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- Open and honest communication is better communication. All comments in this Blog are of scientists in their own rights. 
- Scientists have freedom of researches and freedom of ideas. Some ideas may be different with your ideas. All is for the purpose of sharing ideas & technology, opening new ideas, improving business efficiency, shifting innovation, making society open & advanced.
- Fostering a culture of shared creativity and innovation.

- People like reading our Blog because it is not sugar coating, open and honest, a lot of data.

- Innovation is contagious. Mindset is contagious. To build something big, you need surrounding people who are big mindset. Mindset influences very much the way people think, do things, build things: Product, Service, Policy, Company, Business, HR, Operation, Sales & Marketing ... When you assemble a big mindset Team, you will come up with something big, big ideas, big things.   

"- We have to do everything we can to encourage the entrepreneurial spirit, wherever we find it. We should be helping companies compete and sell their products all over the world. We should be making it easier and faster to turn new ideas into new jobs and new businesses. - And we should knock down any barriers that stand in the way. - Because if we’re going to create jobs now and in the future, we're going to have to out-build and out-educate and out-innovate every other country on Earth."  - PRESIDENT BARACK OBAMA


 Start-up 's Products got started humbling in the beginning.
Then it keeps improving & evolving & growing into something innovative, something powerful, something big over years.

  - See May, 2017 Blog, click here.


- RESTful Web Services Apps <- Click photo. Design One Works All Devices. -OR- BYOD ( Bring Your Own Device)
Increasingly popular!
New way of Mobile App Development, simple, easy learn & development, easy use, easy update & maintenance, efficiency, scale & solid foundation back-end (where Infrastructure is code and software, app, client front-end deploy, run itself.), flexible & adaptive, nice UI/ UX front-end, large scale, integration, accelerate development. But most important = No difference with other Mobile App + Save 70% Time & Money

- We hear a lot stories about software development take long time, over budget, cost alot of $$$$  
- Big losers are investors, stakeholders, the Businesses. It is like this story made headline: A man builds stairs to access park for
$550 after staff of city’s cost estimate $65.000 - 150.000$. http://globalnews.ca/news/3610696/tom-riley-park-stairs-toronto/ -> Start-ups build software less cost, more efficient. That's why big companies just buy or invest in start-ups, let them build less cost, more efficient than they build. It doesn't mean people exaggerate Project, make simple became complexity, take long time in order to make money. The Management, who are not Computer Scientists, will not understand. But maybe different Developers have different ways to solve problems. There are many ways to solve problems, achieve same result. Some made it complicate, red tape. Some made it simple, easy. -> Even Apps solve same problems, same results. But some Developers want to build, cost more than 70% budget in order to satisfy what they like, their way they used to build rather learn new way of doing to save time & money, more efficient.


=> When design & develop Cloud + Mobile Application, Cloud Apps (Application) always come first across devices & platform. We have been used & hands-on & coding development R&D this new Technology for a while, in few years, so we have a lot of experience. We pioneer in new Data Driven Architecture, which makes & creates & brings next level for new Cloud Mobile App Development easier, faster, efficient, large scale, enterprise, seamless integration. This new Mobile App Technology just begin in less than 5 years, in response to popular on demand for Cloud (Cloud Computing).
=> We know how to design Cloud Mobile App like see photo, slide shows same size of smart phone. What you see is what you get. ->
No difference with other Mobile App, even better, powerful.

=> According to the CIO Job in 2020:- Smartphone and other mobile devices have helped changed the landscape of workplace by introducing BYOD policies (Bring Your Own Device - means Software App runs on whatever devices you have) and have solidified the need for mobile apps that help to drive efficiency and effectiveness via cloud computing and software applications.

NOTE: As scientists, we give advice. In this case, don't get paid for. There are people don't Like it, and people Like it. Like Doctor, we can't sugar coating, our job can't please every one, no good, no ethic, no reality. If work for you, take it.

Software Design: - Design work for Laptop only is Design work only for 30% of users, not effective. Design work for all devices: - Laptop, Tablet ( iPad, Android, Windows ), Smartphone ( iPhone, Android ) is Design work for 100% of users.  Easy Change, Add on, Update Features, easy Manage and maintain. One Change will change a whole Application. No waste Time & Money for Develop & Maintain many different Apps for different Devices. Small App is easy to build for iPhone, for Android, but big App like a whole POS software system is not easy to develop for different App.

-> How much Cost Money & Time for a company to build different Apps work on All different Devices?
- Customers don't know differences, only effect Business
.

- Why
90% of POS ( Point of Sales ) work on iPad only, not work on Android like Samsung Galaxy Tablet, Windows Tablet?
- So company must hire another Team Java Developers to develop App work on Android Tablet, then for Windows Tablet. -> Cost more extra Time & Money. Only big multi billions company can afford Money & Resources to build different Apps, like iPhone App, Android Google App, then put on different App Store.

- Why to run this App, I have to go to different App Store, like Apple Store, Google Play, to download different App?
"- You can run ( this POS App ) on iPad only but not Android Tablets. " -> Also means, this App runs on iPhone only, but not on Android like Samsung Galaxy phone.

- Why to Design
App for iPhone used Objective C, Swift, to Design App for Android Phone, like Samsung Phone, used Java? ( same for Tablet, iPad )
- Different Smartphone App used different Languages like Japanese and English. So waste double Time & Money to hire different Developers to build same application but different Apps for diff Devices.

- A Business like Restaurant, used iPhone App, thus only customers have iPhone can use. But Customers use Android Phone, like Samsung phone, can't use. -> What is your solution for customers used Android Samsung Phone?

-> Why my Application run on Laptop, Tablet, but
not run on Smartphone? -> Why
Office Apps, like Office Digital Menu Multi-Tasks, Office Pay, Office Card ... run on all Devices including Smartphone.

- A Business said:- My App serves only 30% of Customers. Other 70% customers can't use. -> Can't do business this way. So we stop using it. Waste a lot of Time & Money.

- All-in-one Office -> All-in-one Order - Open any devices, place Order.
Pos + E-commerce Order + Online Order + Mobile Order +
Pickup/ Delivery + Laptop Order + iPad Order + iPhone Order + Tablet Order + Android Samsung Order + in-Store Order + out-Store Order + Pay Cash/ Credit card/ Gift card + Cloud Print Receipt + Just Walk Out. =>
See photo.

A Business said: - We are small & medium business, not hi-tech company. We and our customers want simplicity, easy use. We don't have resources, developers to update & manage many Apps: App for Android, App for iPhone, App for Laptop, iPad, Tablets, Windows. So confusion. That's why we need All-in-One Software, one App, All-in-one Integration, so that we update & manage only one software.
For example,
in store, our staff, customers can use Tablet, Smart phone place orders. At Home, customers can use Laptop, iPad, Tablet, Mobile place orders. On the Go, customers can use iPhone, Android phone mobile order.

A true story: Use Office, A small business 500K / year revenue -> Generate 125,000$ extra revenue or 25% -> Create 2 jobs. Hire extra 2 employees. Now it has new Cloud+ Mobile Department -> Open store everywhere -> Reach out larger customers base -> Grow next level.

In any country,
90% are small businesses in millions, while few hundreds large businesses, few thousands mid-sized businesses. Small businesses include Home based Businesses, mom & pop stores create 2/3 of jobs. A mom & pop store employed 2 -5 people, mostly family members, work hard manual long hours day & night. -> However, small business doesn't use Cloud + Mobile Technology, Innovation, reach out customers in large scale, run efficient, leverage their potential in new Digital Economy. A big lost.

This business said:
- We are not big like StarBucks, we don't have resources and talents. We can't afford Mobile + Cloud Technology. But now we have All-in-One Office make it simple. -> If you don't Take Action to improve & innovation your business, how can you see the result? 
You don't believe on this business 's achievement, and Create Jobs
. Your business keeps doing same things year after year. -> No incentive to change. Then you will not change nor improve nor innovate.
- StarBucks 25000 stores worldwide still use Cloud + Mobile Technology to improve & Innovate its business.

StarBucks: Mr. Schultz, CEO, who built StarBucks from 5 stores to 25000 stores, resigned as CEO in April, 2017, still as Chairman of StarBucks. Like Steve Jobs hired Sculley as CEO of Apple, so that he could focus on Product Design. According to CNBC: " ... Then hire Mr. Johnson, who has led efforts to integrate Mobile + Cloud in Starbucks' customer experience and operations."
->  Mr Schultz believes that Mr. Johnson 's background + mindset in Technology, and willing to change things, will do better job to Innovate company next level. Mr. Schultz has huge experience build stores in tradition, however, mindset not in Technology. But Mr. Schultz recognized the important, the need of Technology & Innovation in new Digital Economy. That's why he hired Mr. Johnson, who has background & mindset of Technology & Innovation, to run, modernize the company, and change StarBucks in new direction.

- 25000 stores still needs Innovation

- DEMO.- Office Digital Menu runs on this selfie photo iPhone, Android phone.  => That's why we have Mobile App Order, while other iPad POS companies don't have yet, like Vend Pos.
- Customers in store
don't need extra Tablet, like 39$ / month / tablet licence -> 15 Tablets could cost money 600$/ month for licences. They use Smartphone Place order -> Cloud Print receipt. Done.

- Vend & other POS
- Cost 79$ -> 299$ usd/ mo
- Add-on: A Register = A Tablet License = 39$ usd / month. 15 Tablets = Add 15 Registers  = 600$ usd /m
- Use Office = 39.99$/ mUnlimited Tablet Licences
- Pos company like Vend Pos charge 1 x Tablet licence ( or A Register) 39$ usd / m.
- What if you have more than 100 customers in store. Thus in need Mobile Order in/out Store
That's why Vend, other iPad Pos don't have Mobile Order. Only Office, All-in-One Integration. -> That's why Technology we use better, advance, efficient, less cost. Design One Work All Devices

- This kind of Office App is not easy to build -> Require: Back-end (where infrastructure is code and software, app, client front-end deploy, run itself.) + Data Driven Architecture + Java (Enterprise) + Mobile Web Services (fast, large scale) + Front-end.

- Technology has changed so fast,
always open mind to learn. We want to build product used the latest advance Technology for next 20 years.
We learn lesson
Design -> Re-design, fix it, better than keep building on some thing no good. Even Cost Time & Money. Because same resource, same budget, other Developer Teams build 200,000$ hi-end car, while your Developer Team build 20,000$ car.

If see Office Digital Menu on iPhone screen, much better color, sharp screen pixel than see picture pixel of selfie, of screen shot. - Office Digital Menu no need iPhone close source Licence Agreement. While Android App open source can't run on iPhone, Licence violation, also iOS, Hardware incompability.

-> Data Driven Architecture -> Design One Works All Devices for 100% World -> Easy Update & Maintain Software, App -> Save Time & Money. We spend many years R&D, pioneer using this Technology to build Office Product. => That's why we have Mobile App Order, while other iPad POS companies don't have yet, like Vend Pos.

NOTE: Design One Works All Devices is a new App,  Software Design & Development. Increasingly popular.
Benefits
: For software company, it provides:
- Simplicity, easy Use & Manage App, Integration.
- Faster & accelerate
70% Software Development.
- Save
2/3 or 70% Time & Money for budget.
- Reduce 2/3 or
70% Developers of Software Development.
For Business, Customer use Software App, it provides:
- Simplicity, Ease of Use one software App,
- Update & Integration, Manage all-in-one Software App.
- Reduce
70% cost.


Case Study: - Design the real Business Challenge -> Update: July, 2017
Improve traditional plastic Gift Card + no Paper Statement. + No swipe. => Design new Digital Gift Card that gives customers & businesses best return, best benefits: -
Easy Made card & no cost Plastic card + Gift Card Machine + No subscription fee (POS system charge extra 30$ usd/ month for Gift Card feature). Save Transaction Fee ( Other POS system charge extra swipe Gift Card Transaction Fee like Credit Card swipe ). Easy Use. Easy Buy online & in-store. Easy orders. Easy Sales online & in-store. Work on all Devices. Design UI/ UX ( Screens interface & User Experience step by step ) and Data Analytics. Mobile Check Data History Order. Mobile Order. No in person swipe & no Cashier check-out. Just Walk Out.

Note: The Design must be Simple, easy Navigation, easy UI, show detail Data Analytics, show Mobile UI/ UX ( Interface & User Experience ). Show Design in Laptop & Tablet View as well. - UI interface Dialog pop up on screen, avoid page back & forth. See Popup 3 x Dialogs Communicate each other. UX (User Experience) is simple. Customers just enter Card Code & Buy, see Order History Statement. UI/ UX Design in consistence with Data Analytics, such as, Order Data must include DateTime, Price, Qty, Desc, Photo. The Design also needs deep Understand & Collaborate with Database Architecture & Design & Code & Data Analytics -> Data is Collected & Store & Process in 7 different Database (MySql, Oracle) Tables Relationship of Office Card. Show Database Diagram of Design. Design must work well on all Devices, Laptop, Tablet (Android, Windows), iPad, Mobile (iPhone, Android). Design works on Laptop only for 30% of Users. UI adjust & work in Mobile. => No UI/UX Design App looks the same. What ever UI/ UX Design but KISS rule = Keep It Simple Stupid.


-
A Professor who teaches Web Application Design said:- This kind of Web App Design should teach at Web Application Design & Development Program, Practical Hands-on Experience at Graduate Level in College for students with Univ. Degree in many Disciplines, students already graduated 3 years in Computer Science in College, then continue 1 more year Graduate Program College. Only big Colleges can offer this 1- years Graduate Program for graduated Students from University & College to learn practical hands on experience Program.

See sample Web Application Project is teaching at College @ Graduate Level Course.
Click see: Web Application Design @ Graduate Course Project. Use simple Technology: PHP, MySQL, HTML, CSS, JavaScript. Usually this Project gives students 1 weeks.
=> ** Use Office Database you can finish this Project in 5 minute. Just Create a Product Table, then Add or Insert, Delete, Edit data in table Product, even upload Photo **.
Click see photo:
Office Database Create Table / Add/ Delete/ Edit/ Display Customer. See photo of Create Table Customer, then Add/ Delete/ Edit data in database using Office Database. The difference here is Customer Info database, while the project is Product table database.

NOTE:
95% of College Projects by design work on Laptop only. Just give you see an example of a high level web design & development course of school project. -> Very simple compared to the real business challenge. Students @ graduate level can learn new Technology, new Architecture, and design the real business challenge.

RESTfull WEB SERVICES = New Architecture Web Services = Representational State Transfer =  is a stateless architecture. REST is often used in Mobile Applications, Social Networking Web sites, mashup tools and automated business processes. The REST style emphasizes that interactions between clients and services is enhanced by having a limited number of operations (verbs). Flexibility is provided by assigning resources (nouns) their own unique Universal Resource Indicators (URIs). REST avoids ambiguity. REST helps application performance, scalability, simplicity, modifiability, visibility, portability, and reliability.

For example, This job from Open Table required to build Cloud & Mobile large scalable Application Platform required Java (must be Enterprise Java, not Basic Common Java learn in school ) + RESTfull Web Services:
https://www.opentable.com/careers/technology/?p=job/oCXt4fwQ&__jvst=Employee%20Referral&__jvsd=s0MH1hwg&__jvsc=LinkedIn&bid=n8eWwAwT&nl=1
 
NOTE: This Web Application used Java (Enterprise) Framework + RESTfull Web Services as Back-end Framework. This Web Application also has Front-End Framework as well. See the requirement. Front-end is used HTML, CSS, Dynamic JavaScript ... This is how a Modern large scale Cloud Web Application is design & built. Understand Job Requirement:

1)
When it said "-> 7 years Java experience": Java is common name for all kinds of Java Technology, such as, Basic Common Java Language syntax is Java. - JSP (Java Server Page) a scripting Java Language like PHP also Java. - Java Servlet also Java - Modern Enterprise Java also Java. So what Java is used?
A secret company doesn't want to disclose. -> Can't build RESTfull Web Services just use Basic Common Java school test nor Java Servlet. -> Must use Enterprise Java Framework because it is power, scalability. Experience Java Developers know that Enterprise Java Code is different with Basic Common Java Code.

2) "-> Work with other front end teams to ensure that the solution .." - Which means, Java + REST Web Services is used for Back-end Framework. This Cloud Web Application also has Front-end Framework.

3) "-> Experience leading technical projects integrating with iOS apps .." - Which means this Cloud Web Application need to work with Team of iOS App many developers that develop this software App (Application) on iPhone. Because you use Java, like English, while the iOS App Developers used Objective C, Swift, like Japanese. Your Java App will not work on iPhone iOS.
=
> Which means company cost triple developers + triple Time & Money, a Team of Java Developers for Laptop + Team of iOS Developers build this Web Application for iPhone + Need another Team of Android Java Developer build this App for Android phone.

NOTE
: OpenTable
is from a big corporation 95 billions USD dollars. It is big. It has resources & talents. So it can afford to use advance, powerful Technology &  to build this way. -> Most start-ups under 10 millions dollars can't build up-to-standard like this, because lack of resources & talents.

A Professor who does research Cloud Web Technology used by many start-ups hi-tech companies said: - Most start-ups build Cloud Web Application focus & develop on Front-end, lack of strong, solid, powerful Back-end Framework. See our Application, we used both Front-end Frame work + Back-End Framework. - Their Web Application doesn't have Web Services built-in... => If used Data Driven Architecture, then your Cloud Web Application will integrate working with Laptop, iPhone iOS, Android OS. No need to develop iOS App, Android OS App.
=> Why not just build Application Platform, use whatever Front-end Scripting Languages like PHP, Python, -OR- Front-end Dynamic Java Script. -> Why choose Web Services, Back-end Enterprise Java 3-Tier Complexity Technology?

- You can build Cloud Application ignore Web Services, use old Java Servlet, PHP, taught 20 years ago in school, both still popular for students, and ignore new Enterprise Java.
->
But you need to Build and Use the latest Architecture & Technology for the Quality, Scalability, Performance, Power, Cross Platform Flexibility, advanced Complexity of Application Platform.

 - A student said to Professor:- I would like to say thank alot schools & Professors working hard for students. I would like to learn the latest & advance Technology, so that after graduated, I can use these skills in real business world right away. Because company didn't have people know such skills, that's why they need me.

-
A Professor said: We may suggest new Technology. But we teach what ever school's curriculum design.

=>
I can help design new course name: - Architect, Design, and Implement Large Scale Enterprise Cloud Web Application. In this course, we learn: 
- Technology of Back-end, Technology Front-End
- Learn Data Driven Architecture.- Learn Design One Works All Devices. - Learn Design Mobile App, & Integration.- Learn Web Services, API like RESTfull, SOA.- Learn Enterprise Java as Back-end.- Learn Design UI/ UX for Front-end. - Learn Put all together Implement Large Scale Cloud Web Application use Front-end, Back-end Technology above. Because students lean each course, but don't know How Put All Together. Then will not know to Build A Whole Cloud Web Application and Mobile App and Integration.

-> I will prepare materials, give students a lot of mini Projects to build Application including code, like College Project Design Inventory above.-> Right now, Java Servlet, PHP is teaching, popular. I would like to transfer to students my many years of R&D working & using these Technologies. I believe that College students can be prepared to become the best Software Engineers in a new Digital Economy.

- Cyber Attack: Without a strong, powerful, scalable, solid framework foundation, your Cloud Web Application like cooking spaghetti.  
-
Waste Time & Money. Not efficient.

- Different Frameworks work differently. - Large scale Modern Cloud Web Application used both Back-end & Front-End Frame Work.

-> Design Data Driven Architecture works across devices needs to use the right Technology. Building software is like building car. There is car 20,000$, but also car 200,000$.

-> For small School Project, you can build whatever you want. But need to learn & prepare for real Business World.
1) - A Design wrong from a beginning means no good. Company Cost Time & Money. Design then Re-Design.

2) - Company can't afford training. Take months to train & learn advance Technology. Project delayed.

3) - Company doesn't has people know such skills to Design & Build.

- A Professor teaching high level Web Application course. Enterprise Cloud Web Application has changed so fast recently.
- Using the right up-to-date Technology to build
the Cloud Web Application will have impact next 20 years.

 
 -> Right now, Java Servlet, PHP is teaching, popular. Easy, can self learn. People can say anything, but the reality is this Technology obsolete. Even Java Servlet obsolete, no Back-end Services. Thus Basic Common Syntax Java school Test can't use to build advanced Cloud Web Application. Of course, good to learn in school know basic language Java syntax.

->
There are few Java Technologies. Experience Java Developers know that Enterprise Java is coding differently with Basic Common Java, Java Servlet.

- Click see sample: Web Application Design @ Graduate Course Project. Technology: PHP. See example: Office Database Create Table / Add/ Delete/ Edit/ Display Customer.

-> Mobile first. Design on Laptop only, big screen size, works for 30% of Users, 1/3 of the world. -> Then cost Time & Money re-design software work on Mobile, Tablet, on different Devices. Now, Integration problems.

Software Design like Car,
there is Team of Engineers design car worth 20,000$, Team of pro Engineers design car worth 200,000$. 
- What is difference between 200K car and 20K car?
- See spaghetti photo, what does it mean your software?


- A Professor said: We may suggest new Technology. But we teach what ever school's curriculum design.
-
I can help design new advance course name: - Architect, Design, Implement Large Scale Enterprise Cloud Web Application.
We will learn:
+
Technology of Back-end (where infrastructure is code and software, app, client front-end deploy, run itself.)
+ Technology of Front-End UI/ UX
+ Web Services, Data Driven Architecture

- For example, click see this Senior Software Product Development & Analytics from Hulu required for (Enterprise) Java + Web ServicesData Driven Application Architecture. It said: - In-depth knowledge of Web-Service & Data-Driven Application Architecture.
NOTE: A few knew Data Driven Architecture.

->
There are quite a few Java Technologies. When company said Java means (Enterprise) Java, not Basic Syntax Common Java learn in School, not Java Servlet. Because Hulu knows Pro-Java Developers will know only Enterprise Java can build Web Services API + Data Driven Architecture. Few Java Technologies, Hulu doesn't disclose (Java) secret.
+ Mobile App
+ Database System Design
(MySQL, PosgresSQL, Oracle)
+ Cloud Integration
( = Put All Together, Deployment all Technologies learn above ) -> A Modern large scale Cloud Web Application, include Mobile App & Integration

-> This course must be teaching by people who have been Architect, Design, and Build using this Technology. And teach by 1 person. Students learn each subject, like Mobile, UI/ UX, Web Services, from different Instructors, will not know How To Integrate All Technologies into a Cloud Web Application.


-> Students after learn this course will be able to Architect, Design, and Implement A Large Scale Cloud Web Application, including Mobile App, and Integration, Database System Design, for company. Because:

1) -
Company has no time to train, take months to train & learn. Design then Re-Design, Project delayed, waste Time & Money for company. Design wrong from start means no good.

2) - Company has no people know such skills to Design & Build.


- Today Mobile first on demand, not Laptop first, Design must work on all Devices: Laptop, Tablet, Mobile, all OS: Apple, Android, Windows.

- The Management:- But How. Show me?
-
We said:- Why not try, begin from small school project first? -> Not many schools teach this. Easy said then done. Start research, and learn.

See Slides show, see example Design here: -> Design Real Business Challenge that works for Laptop, Tablet, Mobile. - What Back-end, Front-End Technology Framework are used? - What Architecture? - How UI/ UX design fit in? - How RESTfull web services Response (?), Process Data, Get Data & Display Data in UI? ...


=> Why many Office Apps work all devices? - Like Office Digital Menu, Office Card, Office Pay, Office Order Management, Office Product Design Tool (not seen here - Let you Design & Manage products display in Office Digital Menu). -> See photos, see slides, show Office Apps in Laptop, Tablet, Mobile View.

=> Why iPad Pos works on iPad only, but not work, not fit on iPhone although both same Apple product?
- Because you need to know Architect & Design App fit-in. Not auto fit in small screen size mobile.

- Why the need for Design One Works All Devices?
-
You can't run Android App, like Pos Application, on iPhone and vice versa
. Because:

1) Hardware incompability between iPhone & Android Phone like Samsung Galaxy

2) OS (operating system) in compability iOS difference Android OS. Also Apple's IOS is closed source against the license agreement to use on non-Apple hardware.

3) API (Application Programming Interface) incompability iPhone use Objective C, Swift vs. Android used Java.

Data Driven Architecture: Whole Design is built on on Back-end Frame Work Enterprise Technology + Front-end Frame Work Dynamic Java Script. It is Data Driven Architecture allows Design One Works On All Devices. If Design built on only Front-end Framework Dynamic JavaScript or Scripting Languages is not enterprise, not powerful, not work for all Devices. -> Thus needs design many Apps for different devices. -> Cost a lot of Time & Money, hard to Maintain many Apps.

Introduction:
Gift Card is the most popular use by business to generate revenue, easy sales, customer retention, much better, no credit card Bank Transaction Cost Fee, convenience than Cash. Business also used Office Gift Card like Visa card: Buy first. Pay later. A business self-made Office Gift Card buy on his business's Office website -> Email / Text Office Card code (no plastic card cost $$, no physical in-store swipe card, no gift card machine) to close customers: Buy First. Pay Later. Customers store Code in their phone, use Office Card Code digitally thus can buy online, buy in store, no card swipe. Office Gift Card helps businesses like its own Bank financing their customers FREE interest.

User Experience: A Customer bought online,
or in store, Office Gift Card 80$ from Office Digital Menu. Then Pay by Cash, Credit Card -> Got Office Card code. No plastic card. When in store/ out store, customer used Mobile Order Smartphone ( iPhone, Android Samsung, or Laptop, iPad, Tablet Android, Windows ). They want to Pay by Gift Card. -> Open Office Digital Menu multi-tasks -> Add 2 x order Items into Cart = 5.0$ + Tax -> Select menu [Pay] -> [Check Gift Card History] then
-> Enter Gift Card code. Then see List Order History, DateTime, Desc, Photo, Detail Items, like OID 1124 has 2 x items, Qty, Price of total 4 Orders = 1124, 1123, 1118, 1116 = 4 time + Last time buy order = 1124, on Wed, 7:54 PM + Balance = 10.50$ -> Click button [PlaceOrder]. -OR-  Select from [Pay] -> [Pay By Gift Card]. No check History -> Enter Gift Card code -> Paid successfully, new Order ID = 1229 -> New Card Balance = 4.86$. -> Cloud Print receipt -> Just Walk Out Store. This also works like StarBucks Mobile Order Pickup - On the Go.  => ** Click see detail Office Card Mobile UI Design

Mobile App User Experience:
Customer Check their History Order of Office Cart and Balance -> Then make decision to order. See photo Mobile Design UI fit in.
Customers open Office Digital Menu on mobile smart phone -> Touch [Pay] pull down Menu. See [Pay] menu in slide.-> Touch [Check Gift Card Order History] submenu -> a Dialog popup enter Gift Card Code stored in phone -> Scroll & View List Data of all History Order of Gift Card, including: Last Time Buy = Sat, April, 4:20 PM of Order 1129 - Time = 5 of Orders (= 5 receipts) - Total Spent = 75.14$ - Balance = 4.86$. On Top left Cart, it buys 2 x Items, Total = 14.12$ -> Not enough money in Office Gift Card. - Assume its Balance more than 14.12$. Customers touch on button [PlaceOrder] -> Popup a Dialog to enter Gift Card Code (secure) -> .. Order successfully.
NOTE
: In example, show the Code looks like, include characters case sensitive + numbers hard to crack. But in reality, will see like password field = *****
 

=> The customer said:- I like UI / UX of this Office Card Design. Nice light & smooth UI Dialogs pop up with Buttons. The activity of Customer Experience occurs on 1-screen, no switch back & forth many web pages, many screens. Easy to use. I have many plastic Gift Cards from big businesses, but not seen Design like Office Card. - I can see Gift Card History, Balance, and place order online, any where, anytime use Mobile. So easy order. I trusted, order more. A whole Software integrated all Devices (Laptop, Tablet, Mobile), all OS (Apple, Android, Windows) into one Office App.

=> The Business said:- We are small & medium sized business, not hi-tech. We like simplicity. Don't see Integration of Online Order, In-Store Order, Mobile Order, E-commerce, Pos into All-in-One Office like this. For example, if Customers use Office Digital Menu on Laptop, Tablet, it is like E-commerce, Online Order, Pick-up, Delivery. Customer also used like Pos place order in store. If Customers use on Mobile, it is Mobile Order order in store, out store. If Staff use it, it is Pos System. A whole Software integrated all Devices, all OS into one Office App. So easy to Use, Update, Maintain. No headache maintain many Apps, incompatible Devices.



This photo taken from Laptop View, Tablet View, Mobile view.
This Cloud Web Application Office Card built on Back-end Java + RESTfull Web Services + Data Driven Architecture. It also has Front-end allows to build UI/ UX.


The simplest, fastest POS for Staff, Customer few swipes order. DONE! No many steps.

- Businesses improve Productivity, Efficiency to face challenges. Office can help, can customize any time, add-on more features fit your needs. Big software company can't provide. WHY? - Because each Office software is architect & built to run as its own independent system, has its own Web Server, Database Server, such as, MySQL, or Oracle, like live in your own House, easy renovation. Unlike big Cloud Software company build their software on large Platform, like Vend Pos. Thus hard to customize for different needs, like live in Condos Apartment, as shared membership. -> You can't renovate your condos. Used as it is like it provides to thousands of Member's condos in big platform Building.
-
HOW to Customize? - No need Face-to-Face. Send us what new features you want -> Wherever your Cloud Website, any country, we update code of your own site -> DONE! You have new screens, new features.

For example, Different Architecture & Design. Stand alone Software as a Service VS. Platform Software as a Service.
1) Software as a Platform Service: Like Vend Pos, you create a Membership Account at their Software Platform -> Then you Login in their big Platform to build your Store. Thus, the Internet Company can't customize features fit your needs. Because their software is used not just for you but also for thousands other customers, like Condos in big Platform Building.
2) Stand alone Software as a Service: Like Office, you don't create Membership Account. Anywhere in the world, you let us know By Email or By Submit Form, your Domain Name like, www.mybuz.com -> We then Install Office software on this Domain in 5 minutes. Even customer can do Office Installation by themselves. -> You login your own Domain website, like, www.mybuz.com/login -> Then use Office Software. We can help customize features, add-n features fit your needs, like in your own Home's renovation. To Design this, we have in each Office software a Web Server, and a Database Server in your own Office software site www.mybuz.com  in order to run your Office App.

=> Different business has different needs. Not all businesses have same needs. ->
Few features in need better than hundred features no need, no use.

=> This Innovation & Creativity by Design helps us reduce cost ( why? ), complexity, and provide customer's flexibility in their own Home space website. Save Time & Money. -> That's why Innovation is so important to help solve complex problems in different situations, then come up with talented best solutions. Innovation does not just invent new ideas. There are many ways to solve problems.

=> Why I don't see this kind of Cloud Software Distribution local & global, anywhere before?
-> Now you see it.
Think out of the Box.


Contact Us: Email both: ddanpros@hotmail.com and NetthruOffice@gmail.com - Subject: Office efficiency



Small and Enterprise All-in-One Office 39.95 $ dollar  / month - Most vendor's price US dollars.

What are main differences with other systems don't have? - Update May, 2017

- 1/2 Price / month compared all iPad System at least usd 69$ / month. Unlimited licence, 10 tablets = same price 1 tablet. Thus can use many like 15 - 20 Tablets for customers order. Other sys very expensive, 5 tablets = usd 249$ / month.
- Only System both Staff and Customer place orders -> Print receipt @ counter. Complete automation, efficiency.
- Only System
Order by Mobile, Pickup & Delivery, Skip Line.. like StarBucks. Other systems act as POS only thus can't
- Of course,
Order Online, E-commerce use Laptop, Tablet.
- Only System
Cloud Print. Let customer order anywhere, @ Home, in Office, far distance, then print receipt in store.
- Only System Office Pay advantages.
Business used for all kinds of payment: Pay Invoice, Pay Rent, Loan... See Office Pay.
- Only System Office Card advantages. Business use & replace traditional limited Gift Card. Gift Card is important feature
- Only System Office Database advantages.
Businesses big, small need Back Office database like Ms Access database.
- Only System Simple & Complex Data Analytics.
- Only System Office Digital Menu advantages feature like Sales & Marketing, Cross Selling, Up Selling, Promotion ..
- Only System Design One Work all Devices.
Run on Android, Mobile, Windows. Other sys iPad only. No Mobile (or limited)
For example, can't run iPad Pos on Mobile like Office Digital Menu. Can't run on Samsung Android Tablet, Windows. Not like this, see ==>

All-in-One Office run business, Cloud + Mobile Orders. Sell every where, out of limited small store.

- Continue innovation. For example, from Traditional Car -> Electric Car -> Driverless Car -> Flying Car
 


A Story:
-> Office solution for simple Street Vendor.

Dave, a Street Vendor:
Put a sign Mobile Order & Pickup at: daveshop.com/dm (dm = Office Digital Menu).
=> Customers
type smart phone: daveshop.com/dm. (no download app, no register). Select food order -> Select Pay by Cash, Pay by Office Pay -> Paid. - Pickup must Pay by Office Pay.
-
This Street Vendor Sells every where, Opens every where, Pays every where. Revenue increased 35%. People order & pickup.

-> Office helps this Street Vendor provide Mobile Order, like StarBucks. No cost. No Card Terminal. No Pos. Pay everywhere. No tap-to-pay, no swipe-to pay, no insert-to-pay. Wireless.


Update March, 2017 - Why need Modernize and innovation?


Today so much global competition, we can't afford
no Modernize, no Innovation, no Talents. Modern Time company needs Modern Leadership.

- Either you are a Student, a Developer, an Engineer, or a Business, you see other Students, Developers, Engineers, Businesses they do advanced stuff, know innovative technologies. Build stuff that more advanced than you. They Modernize & Grow business thru Innovation. And you still run business in tradition, use old technologies, lack of Automation, back & forth, inefficient... Then you feel dummy, your business less knowledge, less skills behind them. They can offer Customer New Experience like StarBucks but your business can't.

->
This pushes up-to-date, Modernize better -> Which creates more competition, more innovation -> Which is better for every one.

- In Business is in Competition, whether you like it or not. Can't afford running turtle business far behind.

Grow Business Thru Innovation can increase revenue from 30% - 40%. Just 30% translates extra 200,000$ / year in revenue if small business has rev $600,000 / year. A lot. It can hire extra 3 employee. While Tax Cut not only can't help business much, but also create huge deficit. That's why China launched  A New Revolution Grow Business Thru Innovation. In 2016 G20 meeting, China called for Grow Global Economy Through Innovation. That's why China grows their Economy so fast, so dynamic, GDP grows 6% -> 10%. While the World GDP grows from 1.8% -> 2%.

So Innovation only way can grow Business to next level. All-in-one Office built in many tools help business Grow Thru Innovation. We already explain here many times, show you how. We also show Story of StarBucks, a big business 240,000 employees, still adapt Innovation grow next level. Given already had 25.000 stores, implement New Customer Experience Mobile + Cloud increased its revenue to 25% - 35%. Although in Coffee business, founder CEO hired new CEO's background in Technology to Grow Business Thru Innovation. Click here.

A Business said:
- Their businesses are doing these advanced stuff, use advanced technologies Cloud + Mobile, leverage the power of Internet. Reach out to huge customers base. Sell every where, out of limited a small space store. Run business so efficient, productive. They can provide New Customer Experience.
But we are still back & forth, doing these tradition stuff, waste of Time & Money for Business & Customers. Some one must Take Responsibility, Modernize, Run business like StarBucks. Modernize is good thing.

Design software for benefit = Design one work for all. Easy to maintain & development. Save big Time & Money- Update: April/ 2017

=>
RESTful Web Services Apps - The popular Apps Development.

Anything less than this is not acceptable.
By the time your Team finished Product is already outdated. Waste Time & Money. Why not design for next 25 years. FYI.

If your Development Team could not Architect & Design Software work & integrate seamlessly in multi-devices: Laptop - Tablet - Smartphone, and multi devices: iOS of iPhone & iPad, Android of Android phone like Samsung & Tablet, Windows Phone & Tablet .
A Waste of Time & Money. - Design that works for Laptop only or iPad only or Mobile only is Design for Small World (DSW).

=> So the challenge: How you design software that integrate + work seamlessly across all devices and all Phone, all iPad, Tablet, Windows? =
Design for big World - We have been research on this subject for years - Good Luck -

=> The big loser is the Investors, Business, Customers, who get something not deserve their hard working money.


=> A business said: - How can we afford to spend 1 millions to design software that work on only Laptop -> Then spend another 1 mill extra to design same software work on tablet, Mobile. Even Mobile has different: - Mobile work for iOS Apple only, mobile work for Android only, like Samsung Phone & Table, mobile for Windows Table & Phone -> Then spend extra 1 mill to design same software work on Android. - Extra 1/2 mill design same software work on Windows Tablet ...

As a result,
the same one software, but divided in to many different software project + huge cost of Time & Money. Each software is design in different Environment, different Developers ( Android, iOS, Window...), different Managers
-> Now rather 1 Software Project, 1 cost -> Became at least 5 x different Software Projects with 5 x different cost of Time & Money.
=> A whole thing is not seamlessly integration = Huge Problems, huge multi x Cost, huge Mess.

=> Only big business big money can afford this kind of design.

-
Management ask this:- Can our software design One software works for all Devices? - If yes, can you show run on all devices, iPhone & iPad, Android Phone like Samsung & Tablet, Windows Phone & Tablet, Laptop, Tablet, Mobile?
- Like see Office. When design Office, we start design from small screen Mobile first see if fit -> Then Tablet -> Laptop. See how software Adapt & Change in different environments, different sizes, different devices. And if not fit in mobile, go back to drawing board.

- For example, download a software App, said: 1) Download at Apple Store.- OR - 2) Download at Android Store. Which means this company cost 2 x times of Time & Money develop software for both Devices 1) Hire iOS Developers design software run on iPhone. For 2) Hire Java Developers design software for Android Phone like Samsung. -> Thus for software maintenance & development, needs double developers, double cost, double complexity development & maintain. While, Design one work for all, when update, change -> Will change all.

- For example,
almost schools teach students design work on Laptop only = Design for Small World 1/3. Students can ask Professors if can help them Design One work all Devices.


-> Data Driven Architecture = Design One work all Devices = Businesses save x5 big Time & Money.
Which means a webpage is used just to display data only, do nothing else. -> Flexible adapt to any devices. All devices said:- We don't care how you get data. All we needs is send us data. Easy just Display Data. But, this Architecture not easy design, take many years of experience.
- This Data driven Architecture is different with Scripting Languages, Php, Python, Jsp (Java Server Page - Work like Php, Python. Jsp + Java Servlet even better ).. that web page do every thing, such as, embedded code in webpage -> Open & connect database -> Get data & Display Data. Now we get Data send to Frontend webpage -> We still need some Java Script Languages for Frontend like, Node.js, Angular.js, React, HTML5, CSS .. in order to massage the Data look & feel better.
- More than half of Developers, Software Engineers will choose Scripting Languages -> Because it is easy.

- Today alot competition,
can't afford
no Modernize, no innovation, no talent.
 

- Multi devices. Easy Development & Maintenance. Save Time & Money.

- Why 90% Pos is iPad only? (DSW) -> More $$$ design work on Android, Windows tablets.
- Why my mobile App work for Apple phone only? (DSW) -> More $$$ design Mobile for Android Phone like Samsung.
- Why Design work on Laptop only? (DSW) -> More $$$ design work on Mobile, Tablet

- We spend years to find solutions. We build Office full functionality in all devices, Apple, Android, Mobile, Laptop, Tablet.. Seamless integrated.



Case Study: Design One Work All Devices.
- Vend is not small, a global company, a good software company compared to other companies in this Business Application.

->
Its staff said:- You can run Vend on iPad but not Android tablets = Which means Vend software by design can run only on iPad, like 90% of iPad Pos, but not run on other Tablets like Android, Windows.
->
Its staff said:- Vend is also not built for full functionality on Smartphone = Which means you can't run whole Vend software on mobile like Office.

-> Why don't they
Design Vend software Work on Devices, on Android Tablets & work on Mobile? - Will cost them a lot of Time & Money + Hard to maintenance software not integrated. Better not.
Wrong design from the start.
- Right now Vend Pos work on only iPad, no work on Android, no Mobile.
That's why called iPad Pos like 90% iPad Pos on market.
- While Office work on all Devices & Mobile: iPad, iPhone, Android Tablets & Phone, Windows Tablets & Phone. Not just only on iPad.

->
Small scale Software Application, we can easily build software into each App
(like Android App, Apple App) for each devices. But when Software App is large scale like Vend, it is not easy, not affordable, not efficiency to build large scale software into each App for each devices. We must Plan, Architect, Design software at the beginning Design One Work All Devices - A Computer Scientist said.

-> The Management ask all questions above.


=>
RESTful Web Services Apps on Laptop, Mobile, Tablet - See photo.

 

Start-up is small team easy to adapt new advanced Technology than large Team Environment of a large size software company, where there are many levels of controls, legacy, many managers & bureaucrats.
For example, in large Team Environment had multi Managers. A Manager used Python, Php Language Technology, or old Java like Java Servlet to build software. Another manager like Enterprise Java Technology to build software. Now, you see, the Python, PHP Manager would not give up his Tool used in the last 10 years for new Technology, like Enterprise Java. And he doesn't like Java in first place. This could lost his job as Python Developer, like from speaking English to learning new Japanese. Thus he would not accept nor adapt new Technology but only his own. => The result is no Modernization. The Management trust the Developers do the right thing. But the Developer only care about his own interest first, make ends meets. This also applied in Organization, in Small Businesses.
The loser in this case is the Business, the Investors, the Company, not the Manager, Developer because they can always go to next Job.

NOTE: There are people who want to Modernize. They want to change & improve new stuff. And there are people who don't like Modernize nor change, keep do same stuff years after years, 10 years later still the same. 

=>
The Leadership must encourage & support people who want to Modernize. Which will send a good message:- Regardless who you are, like it or not, we need Modernization in Modern time. If we don't support, don't encourage the people who want to Modernize, then will send bad message. Nobody wants to Modernize, it goes back ward, old business, old organization.=> Look at StarBucks example. The founder CEO resigned ( maybe temporary but he used as an example ), and hired a new CEO in order to Modernize the company to next level. This sent a good message to company from Top to Bottom. A lot businesses, when a manager doesn't want to change, will stop whole process.

Two different Leadership

For example, the Owner of Store
wanted to Update system, Improve business process & operation, Implement Cloud + Mobile Order. Expand business next level. But the store manager, who ran store for 10 years, nothing changed, doesn't want. He got used to his own comfortable style of management. Up-to-date means has to learn new things, new challenging, his skills could be obsolete, not useful. Mindset is not on Innovation. No need Innovation & Technology. This store owner, no choice, but stop the plan Grow Business Thru Innovation.

But another business CEO said
:-  Regardless who you are. Like it or not, people can stay or go, but the business can't. The big loser is the business. We will not stop the plan Grow Business Thru Innovation. We get the people who can help us implement the plan to Modernize business next level. We had seen a lot very big invincible corporations still downfall to zero, because products & services did not Modernize & innovate. We encourage people to contribute ideas that could help business Modernize & improve, rather than quiet, protective, worry revenge, lost job if different ideas with their manager. That's why today, employees engage is only 30%. No ideas is bad ideas. Only bad idea is no ideas. The big loser is the business & the customers, who got products & services not Modern & advanced.

Celebrate differences: different ideas, different background, different social class, different culture. Be respect each other. I can't be like you, you can't be like me. Let's accept we are different. Diversity. Be yourself what you want to be. 
This from Google Career
: - At Google, we don’t just accept difference - we celebrate it, we support it, and we thrive on it for the benefit of our employees, our products and our community.
 

- Celebrate & Embrace differences.

"- A country that works not for a privileged few, but equal opportunity for every one of us."
- UK PM, Theresa May
- Why don't we know new advanced stuff?

- For example, Java Servlet, 2-Tier Architecture, 20 years ago, already out-dated, obsolete, can't use in Mobile + Cloud, right now, still teaching, very popular, in junior & senior College Class. Why not Enterprise Java, 3-Tier MVC Architecture.-> How can company find best developer, talent?

- Even the Professors, who taught only Java Servlet course, can't see the differences, then how can the Boss, Management, HR, Students, Business, the people never write code understand?

-> Coding few school assessments only in one subject Java Servlet can't understand differences. The Professor who write code in both Java Servlet & Enterprise Java can see clearly, because know both languages. He no choice but dismantled a whole 2-years of hard work the software written in 2-Tier Architecture, Java Servlet. A waste of Time & Money investment, Shared for benefits. -> The people who never write code in both languages, or read few programming books, few assignments, or knows only Java Servlet language, will not understand.

- A student said:- We don't learn Cloud Computing, Mobile, Advanced Enterprise Java Cloud Stuff, from Prof, who is expert & experience on this hot subject, new Digital Economy. Design Software on Laptop only is design small world. Like it or not, thanks for positive advice.
-
Another student said:- We can evaluate, file complaint at Dean Office. Most of time, the Administration listen to us. We can get Professors in trouble.
-
A Professor said:- Professors teach based on curriculum, courses. Although Professors may suggest improving & Modernizing curriculum. Good luck for your study.
 

-> That's why rich money & resources company, build product need hundred developers, multi-millions budget. While Start-up can do it better, more efficient.-> People don't understand. Software is not like Manufacture that needs to buy machines, big space cost a lot of money. All you need is few talents developers in a garage.


Summary All-in-one New Enterprise Office Tools in * new Cloud + Mobile*, new Pos, new era of Digital Economy ( update March / 2017)


- We want to Modernize the Pos Industry, maybe the Food & Drink Services, the Restaurant, like AMAZON Modernize the Retail, the new way of doing business in new Cloud + Mobile in new Digital Economy. Modernize will make things more efficient, good service, better, smarter, faster in Modern time.
=> See, take us a while to design the New Pos, because the old tradition Pos had mindset us for a long time, hardly escaped that old mindset when design.  => That's why talent people when design, they first must escape the same thinking, the old tradition, out of the box.. Why Modernize? Click here or see a little bit above.
The first Just Walk Out Coffee, Bar, Food, Restaurant in the world
Name = quality
  ( update March / 2017)
Take quick Office tour from a customer order & pickup using mobile.

- Manage every order, any where, any time.
- Simple & advance Data Analytics

-> The new Cashier Pos.
-> Relax + Do nothing. Office DONE!.
-> Manage whole operation efficiently
-> The 1st
Just Walk Out Restaurant built on the New Pos -> Open a beginning new R&D.
->
Only the beginning, this The New Pos Technology still has next 25 years to change & Modernize.

Mobile Order.
Pickup / Delivery

In Store - Office Digital Menu


 


- Busy Tradition Cashier Pos in 50 years.
-
Staff: Finger lookup price + Input data in system -> Bill calculated -> Receipt Print.
Math: Order Processing.
Tradition
:
- On ave 5 min / customer => 100 cust / day x 5 m = 500m = 8 hr.
New: 5s x 100 = 500s = 8m

- No need. Expensive, complex, not efficient

-This new Cashier Pos relax, checking order with ODM, turn button Unfulfill -> Paid, after customer paid, pick receipt + Tip. Out store. Office already DONE everything.
-> Relax. No train.
- Open a beginning in R&D.
->
Office Processing: Data collected + Input in system. Bill already calculated + Receipt already printed. Save Time & Money.
-
Oh, plus Cloud + Mobile + Data + Other Benefits... More than just a POS.

- No need. Expensive, complex, back & forth, long process. Tradition Pos in 50 years ago.
Office Digital Menu.
-
See pics ODM on Laptop, Tablet, Mobile.



Use as:
- The New Pos
+ Customer Order Online, Store, Mobile, anywhere
+
Mobile Order ( flexible any devices, Tablet..)
+ Staff take Orders inside/ outside store, onsite.
+
Sales & Marketing, Cross Sales, Suggestion, Promotion on Menu, easy update anytime, not like paper menu
+
Cloud Commerce online Take Order 24/7
+ Use as Paper Menu


- Line-up -> Need Office Mobile Order -> When buy coffee just Add Office Card. Done!
-> Next time buy -> No line-up! -
Easy solved.

-
Fast Payment: What ever Wallet, what ever Payment -> Still wait inline, then touch card, touch finger, touch phone ... Only Office Card skip line, already paid in few secs. -> Office Card saved Time & Money & Transaction Fee for business and customer. Every time customers used Credit Card paid -> There is a Transaction fee for business. And Interest Fee for customers by Credit Card company. Only Cash, Gift Card, Office Card no Transaction Fee.

NOTE: That's why recently 2017, Wal-Mart in disputed with VISA over Transaction fee because higher card fee, Wall-Mart can't control their cost. -> See, that big like Walt-Mart still cares much about Transaction Fee. Many POS charge high Transaction Fee from 2.6% - 2.9%, because they still paid VISA transaction fee.



Update: April / 2017
See more info Document Office Tour

- Like a show case of your Business's Product Catalog. It is used in store, online, mobile every where. Staff take orders, Customers place orders used Office Digital Menu.

- Office Digital Menu is used as: The New Cashier Pos. No need tradition Cashier Pos, like 50 years ago. See lot of pics of Office Digital Menu here.

Case Study: Customer comes in store is given an Office Digital Menu Tablet / or Use their smart phone -> Place order. Click [Buy Now] button -> Add Item in Cart. -> Select Pay by Cash/ Credit/ Office Card -> DONE! Next.
-> Office Processing: Collect & Analyze Data & Input Data in system + Bill calculated + Print receipt. -> Staff bring food served -> After finish, Customers go to counter, and Pay Cash/ Credit. Tip + Get receipt. - If Paid by Office Card -> Just Walk Out.
Note: A whole process can be done by Staff.

NOTE
: - See a whole Order Processing is done by Office. Staff do nothing. - Use Office Digital Menu, no need tradition Cashier Pos.

-
The first Just Walk Out Coffee, Food, Restaurant in the world.  Need: Office Digital Menu + Office Pay + Office Card + Office Mobile + Office Database ...to build such restaurant.

=> AMAZON GO is the first Retail Store Just Walk Out. But it seems complicated, hardly for small businesses afford this technology.

=> We have different design and solution to build Just Walk Out Retail Store, less complex, small businesses can afford, like Just Walk Out Restaurant. It is the next level of Office, but too soon to disclose now.

- Tradition Order Processing from Start to End back & forth could take 5 min / order

- Start: Waitress, Server take order use techniques: - Write note, Memorise + Face Association ...
->
Now have tool made job easier, faster.
 

- End: Cashier finally process this Order at counter, finger look-up, Calculate Bill + Print Receipt.
-> Now have tool made job easier, faster.

- See Buy Office Card -> Add Office Card with coffee item. No Register. No Login. No email back & forth.

=> Charge Cash is the most difficult for customer paid. -> Thus Sell less. Business dropped 30%. - Research found that 60% customers don't have cash available must go to bank first, specially in Industrialize countries busy  -> They drop trip to stores. What most convenience for customers is Easy Pay -> Easy Sell.
- A lot Public & Private Organizations, Companies, their employees still line-up at their Food Services Counter, waste a lot of Time & Money. - See Starbucks no line-up -> An effort to improve New Customer Experience.
A big business said: - Cost us millions, a lot developers + consultants back & forth build mobile order. The result = Still no mobile. Still line-up. Waste Time & Money for customers, employees, business.
 


Office Pay -
See picture
"- Not just a Payment, but also Data behind the Payment. The first payment use Text & Pay."

- Payment is very big industry. So many players, the Banks, Financial Institutions, big corporations, like Pay Pal, Google Pay, Apple Pay, Samsung Pay... Each offers different & unique solution of payment. Office Pay offers many different solutions of payment: - Pay Close, Pay far away, Pay in Store, Pay Outside Store, Pay Onsite Service, Pay Online, Pay & Print receipt Anywhere, Pay Rent, Pay Loan, Pay Food, Pay Coffee, Pay fee & Register, Pay Deposit, Pay Tickets, Pay Service Fee, Pay Invoice, Pay by Text, Pay Skip Line, Pay Just Walk Out, Pay fast, Pay & Data Analytics

- We continue improving Office Pay.

Office Pay by Design from All-in-one Office.
© 2015 - 2017 .
Why not Plagiarisms <- Click see.  
A movie True Story, about a big company stole idea, the actual Design not just an idea, from a College Professor.

- To pay, type: mybuz.com/op
- Or -
Click on App icon on smart phone
( no need download app, no register ..)

What is Auto Load Technology? - Office Pay Wallet.
- First @ Home, User can Add more Credit Cards, such as, Visa card, Amex card, Master card, Discovery, Debit card, What ever cards ... in Office Pay, like User can Add more credit cards in Samsung Pay. -> Then select which card Auto Load data -> Pay. Fast. User no need to type Name, Card Number, Expire...No tap, swipe, insert card.
NOTE: New version. Don't see old version.


- The 1st e-payment by Text Phone. Fast get paid. - OR - Email link Office Pay of your Office website.

->
No Register, Login. No email back & forth. Could be virus email, in junk mail.

Mobile: open web browser like Chrome, type above URL. It also work like App -> Click on icon -> Open Office Pay app.
-> It works on Cloud + Mobile + All devices. Not just iPhone, also Android, Windows.

NOTE: New Design of LinkedIn social media work on Cloud + Mobile seamless integrate into one for all devices.
Type: www.linkedin.com - See Integrate on laptop - tablet - mobile smart phone.
-------------------------------------------------------------
Samsung Pay can't pay this:
1) A client own you 500$, and on vacation or at Home. Can Samsung Pay helps you get money, and help your client pay?
2) Can you Text your Client's smart phone with Samsung Pay, and get this client pay 650$? - No because you need wireless Terminal for the Client to tap her phone. Office Pay no need wireless Terminal like see in pic.
3) If you onsite service, can your client used Samsung Pay on her Phone pay you?
4) Payment Data Analytics:
5) In all 8 Case Study Office Pay, none of any case you a Business can't get paid, and Client can't pay if used Samsung Pay.
--------------------------------------------------------------

Can Office Pay design Pay fast like Samsung Pay Tap, but easy use?
-> 
We design Auto load data in field, like auto load Name, Card Number...very fast. So that customer no need to re-type. We call this:- "One Touch -> Paid. Done! "


Many ways use Office Pay
-> Only Office Pay can help pay many ways.
-> The first payment use Text & Pay


Office Pay Rent: Sol for thousands of Landlords.

-> Landlord creates on his phone Group of hundreds of Tenant Contacts, who rented in many different location properties.
-> Then
he Text his address link of Office Pay to hundreds of Tenant's smart phone in his Contact Group -> Tenant touch text msg address link automatic open Office Pay on their phone. ( Tenant no download app, no type address link, no register. Any one no tech can do. ) -> Then Select a credit card. Auto Load Data, Name, Credit Card info of Tenant. No type. Only Enter Amount -> Pay -> Office Pay Print receipt @ Office & Email receipt Tenant.
Get Paid quick.
=> No delay. No direct contact. No cheque bounce. No email. No pickup money. No waste Time back & forth.
- Tenant can choose Pay Pal
-
Payment Data Analytics: Landlord & Tenants check History of Payment on Mobile + Cal Total + Tenant Photo ( Office Pay lets client upload photo, selfie. Option) + Data Analytics + Keep record. * Important *
- Tenants can check Payment History like Office Card. See
Check Office Card History
 

- Office Pay Food, Coffee. Happy.

In restaurant, coffee shop, food services, after finished, server brings bill. Customer opens Office Pay on smart phone -> 1-Touch Auto load Data -> Only Enter Amount -> Paid  -> Print receipt @ Counter -> Just Walk Out. => She doesn't need Go to Counter Tap Phone or Swipe Credit card, or Insert Card, then enter Pin..

- OR - Office Digital Menu + Office Pay ---
- Customer was given ODM Tablet -> Select food items.
Add to Cart -> Select Pay by Office Pay -> Office Digital Menu automatic transfers your Order to Office Pay, and puts Amount in field *Amount of Office Pay -> Customers select a Credit Card on phone. Office Pay 's Auto Load Data of Credit Card, like Card Name, Card Number ... No enter Amount + No enter Card info in Office Pay. No open Office Pay. -> Paid -> Print receipt @ Counter -> Finished -> Just Walk Out.

- OR - Office Digital Menu + Office Card ---
- Customer was given ODM Tablet -> Select food items -> Select Pay by Office Card  -> Paid -> Print receipt @ Counter -> Finished Eat -> Just Walk Out. ( See Office Card )
 
Street Vendor: Simple use.


Dave, a Street Vendor: Put a sign Mobile Order & Pickup at: daveshop.com/dm (dm = Office Digital Menu). => Customers type smart phone: daveshop.com/dm. (no download app, no register). Select food order -> Select Pay by Cash, Pay by Office Pay -> Paid.
- Pickup must Pay by Office Pay.
- No Card Terminal - No POS. Cost $$$$.
-> Even simple Street Vendor can use.
-
Office helps this Street Vendor opens & sells every where. As a result, Revenue increased 35%. People order & pickup.

Office Pay: Register & Pay
Students
receive Text Msg (
or email ) to pay Tuition Fee, or Register, or Deposit. They open Email or Text Message -> Touch on URL link to Office Pay -> Register + Paid. Get Email receipt. No Card Reader.
- Office Pay is used as Register + Get Paid. Payment Data Analytics: Tracks all students + Keep records. * Important - Not just pay *
- Students check their Status + Payment on mobile. -> Is your smart school ready yet?
NOTE:
You can send Email with the link address of Office Pay. But email could lost in junk mail. Or people don't open because afraid of virus. => You can create a Group of hundreds of Contacts on your smart phone. Then Text all people at one time.

Nails & Beauty Salon:
- Staff or Customers use Office Digital Menu to select Services + Employees do the service. Add to Cart.-> Select Pay by Cash -> Print receipt. After done, Pay Cash @ Counter. - No Pos.
-> If choose Pay by Office Pay, Office Digital Menu auto open Office Pay on Tablet -> Customer Select a Card. -> Auto Load Card Info -> Paid. Print receipt. No enter Credit Card. No tap-card, no swipe, no insert card.
- No Pos + no Card Terminal.
- If chose Pay By Credit Card -> Need Card Terminal to swipe / insert card. No Pos.
=> Oh, Business gets all kinds of data. Today Sales Data Summary... from Office Order Management. Data like :- How much staff Jenny made her Total Sales of Services + Her customers & services in any Date. - And many other Data.
=>
Oh, Owner runs business @ Home, Shopping, Take care kids, Do Sales & Marketing. See orders in Office Order Management in mobile. No need in store.

Office Pay Loan:
You Text Client msg :" - Please pay 250$ loan within today. Click mybuz.com/op/250 . Thanks." - 250 will auto put in field *Amount in Office Pay. ( see OP pic )
-> Client touch on msg link Office Pay to open Office Pay on phone. No type address. No download App. No enter amount 250.-> Just click [PayNow]. -> Done!
 
It is like you setup 250$ on Card Terminal -> Client used Samsung Pay phone tap or swipe card paid that amount.
- But in this Office Pay can send that Amount to Client 1/2 meter @ Counter, in store, or hundred miles away. Client pay, no near Card Terminal, no tap, no swipe.

- Business needs setup amount on Card Terminal for Client use Samsung Pay Tap & Paid

- Setup amount for Client Swipe & Paid.
Office Pay sent direct amount on Client phone & Pay

Payment Data
:
Track payments Date & Time + Keep records. Important. Not just pay.
 

Office Pay Skip Line - Pays fast, no tap phone, no swipe card, no insert card, which helps him skip line Go-to-Work fast. He could lost job for a coffee.
Office Pay as a Virtual Terminal
- Customer Phone in
or Self-take order, or Staff take orders by look up Item ID.
For example:
Order 2 x small + 1 x Medium Noodle Soup, and 2 Heineken beer:

-
Japanese Jamen Soup ID# 451 6.0$ (main ID) , Small
$5.0 ItemID# 289 (sub ID for Addition Item), Medium #339 $7.0, Large #344 $10.0. ( see Office Digital Menu Tablet)
- Heineken 2$ ID# 442
(main ItemID)
Enter Scan ID =
289x2  339x1 442x2. DONE!
=>
Much better, faster than Pay Pal Virtual Pos cost 35$ usd / month.

- Click Pay Pal Virtual Pos = 35$ USD /m

https://www.youtube.com/watch?v=eTJkP1ZEeD0
- It is used: Staff take order from Customer phone in, take order by phone. -> Too slow typing order, entering order Item Desc, Price, Qty .. manually is slow. See video. Office Pay used Scan ID code. Very fast.

-> According to PayPal, over 1 million customers use Pay Pal Virtual Pos -> Generate 500 millions USD dollars / year for Pay Pal. Office Pay do it better + Pay many ways

Office Pay offers 2 solutions for this Virtual Terminal, Pos Take Order by Phone.

1- Customer self-Take Order. Faster & Easy than Call in + Hide Credit Card info. Because call-in, staff has to take your card info + Business no waste time & money Staff. -> Customers just open company's Office Pay address on laptop, tablet, smart phone -> Scan ItemID -> Paid. -> Pickup, Delivery. - Pay Pal can't offer this because it doesn't have Tool to Create Product Catalog & Item Code to display available online & mobile like Office Pay more features. So Customers must call-in place orders. And Staff must type order manually. And Business doesn't have showcase of their Products & Services available online & mobile.

2- If Staff take orders by Phone
-> Staff open company's Office Pay address on Laptop, Tablet: mybuz.com/op . No login. -> Type ItemID code on Menu & Scan = 25$ -> Next, Take customer's Credit Card. Fill in form -> Paid.
- Office Pay keeps track all payments. - Boss see payments anywhere in Office Order Management.

- Just Pay Pal Virtual Terminal 35$ usd /m. According to PayPal, over 1 million customers use this Pay Pal Virtual Pos. -> All you need is some easy useful features.

-> Office gives business
many different ways of doing business with best price in Digital Economy. Use creativity.
 


- See Office Pay picture

All-in-one Office has a lot of tools, Cloud & Mobile helps business Modernize & innovation in New Digital Economy. Only 39.95 $ / month

See 8 different Case Study use Office Pay Update: April / 2017

- Usage:- Is used for many differed of e-payment.
- Customer online order at Office Digital Menu -> Select [Pay] by Office Pay.

- The first e-payment that used Phone Text.

Case Study:
Business Text customer's Smartphone -> Customer open phone message -> Click on link and Pay.

- Customer buy online Pick-up/ Delivery -> Select [Pay] -> Paid by Office Pay. Customer use Office Pay -> Pay thru Pay Pal.
-> Office Pay also let you Pay direct fill payment Form, not thru Pay Pal. Just click on [DebitCredit] button

Thus customers feel safe & secure
to know that business don't collect their Credit Card Info, when pay online thru Pay Pal. When pay by Pay Pal, clients no need Pay Pal Account. Just use Credit Card and Pay.
Client got Text msg -> Click on OP Link open Office Pay -> Pay use Pay Pal no Login Act.
- OR- 
Pay direct Form, fill Credit/Debit card.

- Text msg " - Please pay this service." + Link Office Pay of your Office website = mybuz.com/op

   Samsung Pay and  Office Pay.
=> Each Pay has different Benefits & Uses. - Each Design solves different problems.

Samsung Pay: Tap & Pay @ Card Terminal.
- HOW: - Setup: You first download Samsung App on phone -> Register Member at its website -> Add your credit cards in App. 
- When pay: Customer Go @ Counter -> Select a credit card on phone -> Cashier needs enter Amount manually on Terminal every each pay ( no pleasure, no automation, busy - Do it 100 customers / day. Line-up ) + Enter Pin -> Tap phone on store Card Terminal -> Paid.-> Print receipt.

- Pay Close.
Must in store @ Counter.
- Can't skip line. Can you explain?
Hardware Solution.  Need Card Reader Terminal support this Technology + App works only on Samsung Phone, not iPhone + Pos Infrastructure  & Hardware compability issues. Like, need upgrade POS + Buy new Card Terminal system
- Better, faster than card swipe.
- Can't use Pay Online. Customers can't tap on laptop screen and pay.
-
Design used Hardware & Electronics.
- Accept: All major credit cards.
- No Payment Data Analytics.

-> Samsung Pay is good design. Achieve its goal.
Office Pay: - Open Office Pay on smart phone -> 1-Touch Auto Load Credit Card Data i-> Enter Amount -> Touch [Pay Now]. Done!
No enter pin code, no back & forth. No go to counter tap Card Register. Sit -> Office Digital Menu -> Eat -> Office Pay -> Cloud Print receipt -> Go. No need Tap or Swipe @ Counter. No complex. No hardware!
NOTE: Office Pay - 1st time pay, need enter Credit Card Data. 2nd time, next pay, 1-touch Auto Load all Data. No enter again. Very fast.
NOTE: We test Samsung Pay Tap-to-Pay with Office Pay Touch-to-Pay -> Office Pay pay faster + Skip line.

- Google Pay

- Apple Pay
- Phone Tap-and-Pay = Add your Credit Card like Visa, Master, Amex... in your Phone -> Tap phone to pay. Google Pay, Apple Pay, Samsung Pay are Phone Tap-to-Pay.
-
Needs Card Terminal. Big businesses invest big money to develop this technology. Appx less than 15% Card Terminal support Tap & Pay. Have Samsung Pay doesn't mean can pay @ small business store, or even big store like Wal-Mart. If you can't Samsung Pay @ Store, just take credit card swipe. Same solution.

Office Pay
: Text & Pay, Touch & Pay - Touch screen. No Card Terminal
- HOW: No setup, no register, no download. No Go @ Counter. No tap, no swipe, no insert card, no enter PIN. No enter Amount. Cashier does nothing.
- When pay:- Customer Sit @ Table -> Just type address Office Pay of store. i.e. abc.com/op ( No download App. Not easy. ) -OR- Touch App icon.
-> Will open Office Pay on your phone -> Select a credit card Auto Load data. No type Name, Card Number.. -> Pay -> Then Print receipt. Just Walk Out.
- Full automation. Cashier do nothing.
- It also creates an app icon on phone.
- Next time, no type address, just touch on app icon -> Open Office Pay -> Pay.

- Pay Anywhere & Out/ In Store.
Software Solution. Office Pay App works on (iOS) iPhone + Samsung (Android) Phone + No need Hardware expensive & Hardware compability. No upgrade POS. No Buy Card Terminal.
- Skip line
- Can use Pay Online. Pick-up/ Delivery. Pay Invoice ...

-
Design used Software, Enterprise Java
- Accept: All credit cards + Pay Pal.
- Payment Data Analytics.
Such as, -> List all Payments of John Smith from Jan -> April, including Date Time, Amount, Invoice, Last Time Paid, What for (Service Fee, Tuition Fee, Invoice, Rent, Loan, Donation, Food, Coffee...) - Photo Smith. Sum Total. See on Mobile like Office Card.
- 8 Different ways of Pay.
- See Office Pay picture
You see this video Demo from VP of Samsung. He has to tap + enter pin code + amount to pay + must go to counter tap Card Terminal = No convenience. Back & Forth. Take long time. Can't Cloud Print.

https://www.youtube.com/watch?v=AFvglpMSzOI

 

Samsung Pay coming in India in 2017
Click See article Samsung Pay coming in India in 2017

- In Samsung Pay video Demo, a group of young people, after finished drink, the server brings a bill 25$. To pay for 25 $, but no Cash, just use Samsung Pay -> Select a credit card on phone -> Tap & Pay. Done.

- Use Office Pay, after finished drink, server gave bill = 25$. To pay for bill:
- Open Office Pay on smart phone.-> Type 25$ @ Amount field -> Select a Credit Card on phone like Visa, Amex. Office Pay Auto Load credit card info. No Type -> Paid.

When in situation line-up at Coffee,
Office Pay customers skip line -> Paid no Tap. Done! While other customers wait for Tap & Swipe.
NOTE: India now started a new Digital Economy. Businesses used E-Pay, no Cash.


- Not just a Payment, but also Data behind the Payment.

- What is Office Pay Auto Load Technology? - Office Pay Wallet.
- First @ Home, User can Add more Credit Cards, such as,
Visa card, Amex card, Master card, Discovery, Debit card, What ever cards ... in Office Pay,
like User can Add more credit cards in Samsung Pay. -> Then select which card Auto Load data -> Pay. User no need to type data, like Name, Card Number, Expire, CSC... Very fast. No type. No tap, swipe, insert card.

NOTE:
New version. Don't see in old version.


Office Pay the first Text & Pay by Design from All-in-one Office. © 2015 - 2017 



- Pay by Office Card
NOTE: Credit Card Terminal is for Credit Card processing. It is not Pos, not Office Digital Menu, not Mobile Order, not Online Order, Office Order Management ...

- Office Pay automatic create an app icon on smart phone.
- Touch -> Open App

What is Auto Load Technology?
- User can Add more Credit Cards first setup, such as, Visa, Amex, Master, Discovery, Debit card, What ever cards ... in Office Pay, like user can Add more credit cards in Samsung Pay. -> Then select which card Auto Load data -> Pay. No tap, swipe, insert card.
 


- Card Terminal: Swipe, Insert & Pay
Pay by Credit Card, Pay by Cash @ Counter, like see in McDonald, Restaurant, Supermarket
- Data saved in Office Digital Menu. Keep your Credit Card Terminal. It is Credit Card Reader in Samsung Pay.-> Almost Credit Card Terminal are Card Rader can used by Samsung Pay.

Samsung Pay = Many credit cards in a phone.

Tap & Pay = Pay by Phone. Same as Pay by swipe credit card.
- Good use for rich guys had many cards not fit in small wallet. People pay attention because name Samsung.

- It costs millions to build Samsung Pay.

Office Pay: -> Not just a Payment, but also Data behind the Payment.
 


- Pay by Office Pay: smooth & fast

-> Touch app icon on smart phone Open Office Pay App -> Auto Load all Data ->
Only Enter Amount-> [PayNow]. Done!

- No wait to Counter Tap Phone,  Swipe Card, Insert Card.
- Smooth.
-
Faster than Phone Tap, Swipe Card, Insert Card. No in line. No Card Terminal - Cloud Print receipt miles away store for Pick-up, for Order online.

NOTE:
By Design, Office Pay -> Businesses use Office Pay will not have your credit card info submit on form. Safe use short Pay.

- Office Pay powerful than Samsung Pay. Good Use Office Pay:
- Pay anywhere.
- Pay & Print receipt
hundred miles
- Pay Data Analytics
- Text & Pay
- Skip Line
- Pay Invoice, Pay Loan, Donation, Pay Fee, Pay Rent, Pay Food, Coffee. Pay Register, Deposit.
- See
History of Payment, Total Paid, Balance, Last Paid. on mobile.
- Pay online
- No Card Terminal, Reader

The Reality: - There are many solutions (Design) to a problem. The worst Design is cost a lot of Time & Money $$$$. There are some Developers & Consultants worst Design, not intention, made project became smart complexity, and the longer project back & forth, the better, more money in pocket. Too late to change new direction.

=> The big losers
are
the Businesses, Investors, Customers got Products & Services not deserved their hard working money, less comparative, less innovative.



=> Mark Zuckerberg built Start-up Facebook in his small room. 

-> This small start-up built product that big multi billion hi-tech companies like Yahoo, tens of thousands Developers & Employees, couldn't build. And at that time, Yahoo wanted to buy this small start-up
1 Billion.

->
Ask Silicon Valley Investors
-
That's why Silicon Valley constantly in search for new Start-ups in basement, garage..
->
Google, Facebook, Apple,  Yahoo, Oracle, HP, Alibaba, .. are from small start-ups in garage.

- 95% are small businesses, mom & pop stores. -> Create most jobs. -> Small business needs help Modernize.

- New Digital Economy
-> Grow Business Thru Innovation
-> Productive & Efficient
-> Reach out to huge customers.
->Sell any where. Open every where, out of small limited space store.
- In a survey, Cloud + Mobile main technology in Digital Economy will be accountable for 30% -> 40% of Total Revenue, and keep increasing

A Business said: -> Invest in New Enterprise All-in-one Office to accelerate its Development. We need this Office Cloud + Mobile Software, multi-Uses, multi-Benefits, less Cost. Other software too expensive, not multi uses.
 

- Think Small Business like a Start-up.

->
Needs Innovation to compete, better operation, better & advanced products & services. See StarBucks, 25000 stores worldwide still adapts Innovation & Technology in order to Grow business.

- A Restaurant, a Coffee, Food... can provide
New Customer Experience like StarBucks.

- If business ran not innovative, not efficient, not productive, a result is: - Less revenue for business, less tax for Government.
 

Using Office Pay in many ways (continue)

Office Pay Invoice:
You Text Client message :" - Please pay this Invoice 250$ within today. We email invoice paper today. Thanks. Touch this link pay  mybuz.com/op/250 "
- 250 will auto put in field *Amount Office Pay.
-> Client touch on msg link Office Pay to open Office Pay on phone. No type address. No download App. Work all devices. No enter amt 250.-> Click PayNow -> Done!

- NOTE:
Next time, just Copy this text msg by press + hold on msg, see Copy Text. -> Touch on new typing msg, popup Paste. Paste msg. Edit msg 250$. No type msg again.

Payment Data & Analytics: Track all Invoice DateTime Payments + Keep records + Calculation Payment + Analytic Payment ... Not just pay.

-> Download sample: Excel Invoice Template1. (good)
- Excel Invoice Template2.  - Word Invoice Template
- You can Text File Invoice on smart phone.

- No back & forth many steps.
- Send Invoice & Get Paid very fast, 1 step. Simple & easy.
- Can email Office Pay address too. But Text faster + Not in junk mail.
- The 1st payment use Text & Pay

- A Business said:- Just used only Office Pay get paid fast in many ways is worth of money. You don't know what happens tomorrow, a week, a month. Customer can change.
->
Visit, Phone, Email back & forth take long time. No Login.

->
Office Pay FREE + Unlimited invoices.

Other Internet Company
charge fees Send Email Billing Invoice ( not Text )  
- This company charge per Clients:

Sent Invoice by Email to 5 Clients / month = usd 15.0$ / month

- Send Invoice to 50 Clients fee = 25.0$ / m
 -OR- This company charge per Invoice:

Charge Fee
2.9% + .30 cent / Email Invoice.

- For example, you send Invoice 250$ to customer. -> Cost your business 250 x 2.9 % + .30 cent = 7.25 + .30 = usd 7.55 $

- Free monthly fee. -> But Pay 2.9% + 30 cent / Email Invoice
- Many steps Login & Email back & forth.
- Office Pay No Login. Text & Pay so fast.

Office Pay features. The 1st payment use Text & Pay.

- mybuz.com/op = Open Office Pay on a phone, laptop, tablet. No type, no download app, no register. Work all devices. Customer needs enter *Amount fields in Office Pay.

- mybuz.com/op/25 = Will open Office Pay on customer phone, laptop, tablet, and Put 25$ in Office Pay field *Amount. No type, no download app. Customer no need enter *Amount 25$. Click [Pay Now] button & Pay.
It works like Business setup
25$ on Card Terminal. Then Customers swipe credit card or Samsung Pay phone tap Terminal pay 25$. Not Automatic. Cashier must always @ Counter. - Use Office Pay, customers already Paid + Tip @ Table -> Just Walk Out. Cashier free do anything, not tied @ Counter. Business needs smart + creative. Tradition eating your profit. We can't explain all.

NOTE: Setup 25$ on Card Terminal, need Enter PIN + Enter Amount 25$ = Time.
- On smart phone, you can Copy & Paste Text msg & Edit msg. No type again.

- mybuz.com/op/25/service fee = Will open Office Pay on customer phone, laptop, tablet,  Put 25$ in Office Pay field *Amount, and put short Invoice Message @ field Invoice: Service fee, or 2189 invoice number, or pay loan, pay rent april .. Like, this payment for What? - And for Office Pay Data Analytics. There are Payment no paper Invoice.

- Office Pay Wallet = Built in Office Pay. It used Technology Auto Load Credit Card info. It allows a customer add many Credit Card info first. When at store pay, just Select a card. Auto Load Card data -> Pay. No enter Card info again.

- Office Pay Scan = Built in Office Pay. It used to scan product item. For example, put on the menu:

-
Japanese Ramen Noodle Small
$5.0 ItemID# 289, Medium # 339 $7.0, Large # 344 $10.0.

-> Customers enter in Office Pay (op) field Scan = 289x2 339x1 344x1. Office Pay then scan price & other info like ( tax or not) + Desc + Photo + Calculate. Then automatic put amount = 29.21$ in *Amount field. It auto Calculated Total = 5$ x 2 (qty) + 7$ x 1 + 10 x 1= 27$ ( no tax Item ID 344 ) + 13% tax -> Customer only touch Pay Now. Paid-> Print receipt. Like a virtual POS.

- In Hotel Room, Street Vendor few Food Items Sales, put Paper Menu food + item ID on table. Customer open Office Pay -> Scan item id -> Office Pay auto calculated Total Amount & auto Put in *Amount -> Paid. It is convenient, better, faster than Scan QR code.

=> It likes scan QR code picture.

- Office Pay has Tool to create Product Catalog & Generate unique Item ID code.

Q&A: - Store has Office Digital Menu with ItemID, and also Paper Menu with ItemID. -> Can I just use Office Pay Scan and place order from lookup ItemID in ODM, or Paper Menu? - Of course, same. All Office Pay's pays & orders are in Office Order Management. So you constantly update payments of Pay Loan, Pay Invoice, Food & Coffee Orders ... -> Tenants Paid Landlord play golf, see instantly on mobile use OOM. No Home Laptop.

- Scan ID Code is by Design for Office Pay only.

Office Pay Scan ItemID code.
----------------------------------------

- Take photo & Scan QR code of a Product Item to Get Price.
- Can't see price. Must photo
- Hard use + QR quote complex + Hard to create put on Menu. Stick on Product + Need take photo QR code + Multi items take multi photo. Take times.+ Customer must close to Menu or Product take photo. + Multi Quantity take multi photo + QR code contains less Data + Not convenient.

- Office Pay Analytic: "- Not just a Payment, but also Data behind the Payment. "
-
Built in Office Pay that is used to analyze & keep tracking data.
Such as, -  List all Payments of John Smith from Jan -> April, including Date Time, Amount, Invoice, Last Time Paid, What for (Service Fee, Tuition Fee, Invoice, Rent, Loan, Donation, Food, Coffee...) - Photo Smith. Sum Total.
- List all Payments, Date & Time, Amount, Invoice, Name, Photo ... this week, any date. And Sum Total. -
Can View on Mobile.

- Office Pay Strategic Features
-
Can't disclose here. We show you a lot here like, Office Pay Rent, Pay Invoice, Office Pay Wallet, Office Pay Just Walk Out, Skip Line, Office Pay Scan Item Code ...
But these features
WE CAN'T SHOW, only for Investors.

 

- Office Pay Virtual Terminal & Payment

-> Payment is Big Industry played by Big Players.

-> Analyze Office Pay and Samsung Pay is an effort & skill analytics, so that common people can understand. Can't just said it better. Need explain Analytics & Logics + Show differences + Show details.
=>
Each Pay serves its own benefits for consumers.

- A consumer said:
- I used a lot payments. But no payment helps me in many ways useful, not just convenient like Office Pay.
=>
Samsung Pay useful when you had a lot credit cards -> Put in Phone -> Paid. You can still pay use Credit Card Tap or Swipe, no need Samsung Pay.
=>
While Office Pay for Pay Loan, Pay Invoice, Pay Coffee, Pay Restaurant, Pay near, far, Take Orders, Pay Rent, Pay fee & Register, Pay & Text, Pay skip line, Pay & Print receipt anywhere.. Pay all kinds. Easy understand. Some said Office Pay more benefits for Business. Not really, see Pay Skip Line, Pay Walk Out.

NOTE:
Big like Apple, Google, Samsung in 10 years invested a lot of money in millions in hardware solution Phone Tap-to-Pay. But so far less than 15% of Card Terminal support Phone Tap-to-Pay, a lot of Hardware & Device compability problem, Phone compability problem, App compability problem.
 
We believe in
Virtual Payment & Virtual Terminal & Touch-to-Pay could play a big role in future. And Office Pay is the first in frontier. This can not be done alone by us. Still need a lot of R&D.

-> You see,
many big players, big money invested in Phone-tap-to-Pay. We, not that big, try our best. A lot advanced in Virtual Payment we can't disclose. Hopefully one day more Virtual Payments no need Tap & Swipe. -> We need hep accelerate Development.
 


- Consumer continue Tap & Swipe. -> But use whatever Pay convenient for them.

For example,
Office Pay for Pay Skip Line, Pay far, Pay & Text, Pay Invoice, Pay Rent, Pay Just Walk Out.. -> Can't Tap nor Swipe.

-> We do not just Talking No Action, we show in detail: - Office Pay made payments in many ways.

 

Office Card (Office Gift Card)

A business said: - Use Office Card to create Credit for my business. Use this Credit finance customers, stimulus demand, which is the best tool ever use for business. Hi-tech Office Card + Office Pay help me & my customers do this. Easy Pay -> Easy Buy. Grade 5 understands this. Customers pay back Credit either in store, or we send Office Pay. Can't do this use low tech paper.

The 1st Just Walk Out Restaurant
- Benefits for Customers:
-> Customer can Track their Gift Card anytime, anywhere, online. No call in, in store, swipe.
-> + Fast Pick-up, Fast Order + Just Walk Out no Line-up
-> + No go to bank withdraw Cash 
Fast Pay. Fast Buy. Charge Cash is the most difficult for customer paid. -> Thus less sell.
->+ Get Loyalty Point
->+ Don't Give Discount. Give Office Card.

third First Second third
=> Move mouse in photo stop slide -> Out slide again.

How? - First customer buy Office Gift Card at website by click on Gift Card Group Menu. Or buy in Store. -> Get a code. -> When buy a Heineken beer, Add to Cart. Select [Pay] -> [By Office Card] -> Just Walk Out. Done. No Goto @ Counter, Pay Cash, Phone tap card, swipe credit card.

NOTE: After paid, Office Card gives customer Data like, Balance, How must Spent, History of Card, last Time Buy .. Office Card also lets you check History of All Orders.

=> You can't do Gift Card with Mobile like this Office Card with Vend Pos, and 90% of iPad pos on market.
 
=> Click this link Tour Office document see more: Office Card.

- Usage: - Is used like Gift Card, but more easy to use.

- Office Card is Digital Gift Card, Mobile + Cloud used for Digital Economy: - Just a 6 characters like mw218e, 2p4a4t. No plastic card. No swipe order, no swipe check balance.
-
Tip: Self Text code your phone. Never lost. - OR - Take photo of Smartphone screen in Gallery after given Code. Press Home + Power button same time.

- Office Card
is fast payment is used Just Walk Out when in Store, or Pick-up fast. Take long time swipe card. Office Card is easy Pay, easy check History.

-
Customers Buy Office Card: at business Office Digital Menu -> Add Gift Card + other Items -> Pay by Cash / Credit Card. Or at Home, Buy online, pay by Office Pay -> The Get Office card Code like xw31y5.
- Click see Customer Mobile
Buy Office Card. with other Items.

-
Customers Buy & Pay by Office Card: Online, Mobile, In store -> Add item in cart -> Select: Pay by Gift Card (Office Card) -> Enter code -> Pay -> Finish eat, Just Walk Out.

=> Starbucks big Coffee Super Store in the world provides  Cloud + Mobile, New Customer Experience Mobile Order use Starbucks Card and continues efforts to Modernize their 25000 world wide Stores.

- Office Card Benefits for Business:
-> Business can be a Financier, a bank, no Interest, to their customers use Office Card ...
A lot businesses offer: Eat First -> Pay later. Like VISA Card = Use First. Pay Later. This is called Credit. Business just created Credit out of thin air from Office Card. Since Create is low like 20$, 50$ ... So the risk of customers pay back is low as well. -> But able to provide Credit to customer, business needs Hi-Tech Office Card. You can't manage Credit using using paper, low tech manual hand written.
-> Customer Retention: by using Office Card. Then later, send customers Office Pay to pay using their Credit Card or Pay Pal. Customers don't need Pay Pal Account when pay by Pay Pal.
-> Business cut down Transaction Fee from 2.5% - 2.9% charge by some Pos, Credit Card Terminal, when customer paid by Credit Card.
-> Easy made Office Card, Track & Manage.
-> Easy Sell -> Tell client Add OC when buy. Text clients Code. Email code.
-> Charge Cash is the most difficult for customer paid. -> Thus Sell less. Customers go to other stores. Business dropped 30%. - Research found that 60% customers don't have cash available must go to bank first, specially in Industrialize countries busy. That's why to have Gift Card feature in POS, you must pay extra fee for Pro Account.

NOTE: Office Card could increase 8 chars or more easily any time. But 6 chars, case sensitive ( a diff A ) good enough = million of codes. Fast entry. Example, sW2145, sw2145, B7431y ...
-
See: Mobile Buy Office Card. -> Customer just Add Office Card when Buy other Items.
- See: Pay by Office Card: - Customer Add Item -> Enter Office Card code Enter code -> Then Order successful -> Just Walk Out. Card Balance + brief History updated right away. Fast
- See Customer Check Office Card History & Statement - Laptop view (<= just update pic) - See detail in each order too. i.e.. Order 1086 has 3 items + Photo. - A customer used Tablet, View Office Card Balance -> Place Order right away Tablet View - Before, she must call in store or in store check, order. - See more pics in Tour Office document.
- See: - Starbucks Card -> Starbucks Order Mobile -> Add item -> Pay by Starbucks Card -> Pick-up. No line-up. See video: https://www.youtube.com/watch?v=EqnV_byHv24


Office card, Office Pay save Time & Money for Business & Customers
- While others are waiting for *tap & swipe*, cost 10x / coffee -> Only Office Mobile came out first, fast, smart, skip line. Because, while in store, they already paid in sec. Get to work fast. Could lost job for a coffee. Dumb me! - While others still waiting for *tap & swipe*.

=> OH, Office Mobile also saved business
2.7% transaction / tap & swipe
Office Order Management
- See:
Laptop - Tablet - Mobile

- It is used: by Staff Cashier to keep Manage & Track every Orders In, Pickup/ Delivery.
------------------------------------------------------------------------
UPDATE: May, 2017
First Second Second third forth five five
=> Order ID 1074 has 2 x Items
1) Japan Udon Soup = 2 qty x 5$ = 10$
2) Heineken Beer 2 qty x 2$ = 4$

- FU = FullFill Order - Pay By CASH - Total = 6 Orders.

=> See
Sales Summary.
=>
You can get data like this 5, 10 years. Just select Date -> Go -> Get all kinds of Data like shown.
=> Like, Jan,1, 2015 -> Jan,1 2016 -> Get all Data + Sales Summary + Sales Staff + Contact of Customers  + Contact of Staff + Order Details + Top Sellers ...

-> Even Vend Pos can't offer this mobile feature.
- When open this app, Today in From date Calendar. 1-Click get data Listing detail orders of Today.
- Choose any From Date -> To Date Get Data
- It Lists data of Today, any Date, any From -> To Date.
-
This pic lists only one date = Feb, 20, 2017. No type date, click on input -> Popup a Calendar select date.

- Office Order Management: ->
Listing all Orders sold Today, any Date, including Employees sold that Order 1059 = Bun Ng, her Customer bought that Order 1059 = John Smith, and Product & Service Price x Qty + Time buy. -> Scroll down end of the List is Data Summary of Total Sales / Employee.

=> Select any Date -> For example, you want to review, check What has been sold Today, or From Jan 1/ 2017 -> To: April 15, 2017 -> Get Data = Powerful. Not seen by any POS sys. -> Thus don't need see receipt like this business below. Waste Time. Human can't even check 100 receipts ( = 100 orders - A receipt 1059 is a printed order 1059. ) of Today. But Electronic System can check records, even Listing Data of 1 millions Orders in 5 years. -> And then it connected all more data than see on a receipt.

=>
See on Laptop, Tablet. => 90% Businesses can't Get List of Product & Service sold Today, any Date
 

- Use Office Order Management better. =>
Get List of orders ( receipt is order printed on paper) of Today, any Day, from Date -> to Date

- This business owner looking for Data on paper receipt. Waste Time & Money.

- All you need is change from Paper -> Tablet. Because paper can't digitized, can't collect data. Your business is same. DONE!

NOTE: A business told us that Tax Man no time look thru invoice paper like this owner. They will charge labour fee for this. Tax Man needs electronic records Listing of all & each Order. An order= a receipt. But look at receipt is waste Time & Money. Each Order includes, Price, Qty, Total, Date & Time of each Item in each Orders .. like above Listing. => If you have Clear Records + Data Transparency then no worry.


- Use paper, take 7 days audit, track data, verify data all paper accumulated in 3 years.
Mountain paper work.
- Ave =
100 orders or receipts / day -> 30,000 receipts / year -> 150,000 receipts / 5 years. Office used MySQL database server can contain 50 millions of records. You can store 50 years of your business receipts, records in Office.
- Use electronic records, less than 1 day to verify detail orders, and
1-Click in 2s Calculate Summary of Total Sales, Total Tax of 1.5 millions receipts in 5 years.
 

- See Office Order Management Document in details. Click see.

- Usage: It is used: - By Staff Cashier to Manage, Check, Verify, Track all every orders made from Sales Staff, Customers. Know which Order from which Customer.
=>
Staff looks at tradition POS screen see nothing. But look at Office Order Management will see & analyze & manage every orders in.


Case Study: A Customer in Store is given an Office Digital Menu Tablet -> Add order item in Cart  -> Select [Pay] by Cash -> Done! See message Order successfully! on top cart.  
-> Then
Office Processing ... Data collected & input in system + Bill calculated + Receipt print at Counter -> Then Staff see this order appeared on Office Order Management. Customer finished, go to counter Pay Cash/ Credit. Get receipt -> Walk Out.
-> Pay by Office Card ->
Just Walk Out ( encourage people use Office Card )

=> Repeat same Order Processing by Staff.

-
Office Order Management Data Analytics gives Summary of Today Sales & Data Analytics. Such as, Total Sales, Tax, Discount, Total Pay by Cash, Credit, Office Card (Gift Card), Total Orders, Pick-up/ Delivery, Orders not Fullfill, Top 5 sales ... Click see. - Laptop View

- Knows which order: Cash. Office Card (Gift Card), Credit ...
- Boss, Manager work at Home, anywhere. Login. -> Used Mobile know instantly when Order in.
- Keeps track Inventory. - Know Order is Unfulfill, Paid (Fulfill), Pick-up/ Delivery already or Not.

- This Manager on vacation but know more than Manager in office.

He said:
- " - I check a lot system, see a lot Charts. But Office lets me known deep in detail ** Data Analytics **, and Mobile. A Manager doesn't know just 1 data = How Much Total Sales / day = No Good. OOM & Today Summary give so much Data.

-> We just need to use
multi-use Office Digital Menu, multi-use Office Pay for in Store sales & outside Store take sales orders. All orders in store, out store, online, mobile centralized all in Office Order Management.

- This Boss play golf, but know more than bosses sitting in office all day.
He said:- Just 10 min check on OOM and Summary Today, I got so much Data in Detail ( = Data Analytics ), than from my Staff report whole day. Just OOM worth of money. -> It' is about Work Smart.
NOTE: Boss no time take course Data Analytics & Management. OOM good enough.

Boss said:- All you need is change from Paper -> Digital Tablet.  Because paper can't digitized, can't collect data. -> Have staff or customer take order in store, out store by using Office Digital Menu on Tablet/ smart phone. Your business unchanged. DONE!

- This Boss play Golf, This Manager on vacation used Office Order Management knows every each Order in instantly. Manages store efficiently. Order came from in Store sell, out store Staff sell, Online sell, Mobile sell, Pick-up/ Delivery sell ... Get Data instantly.

What did he know?

=>
All needs to do is anytime click on List Employee, Product... -> He knows:
-
When Order sold instantly. - Who is the Employee & Photo, sold or did service of that order. - Who is the customer, their contact info bought that order. - What is Products & Services in details of that order. Example, Order 1059 has 2 x Items, including: Price x Quantity = Total of each Item + Time sold important, like 1059 on 7:33 PM on that Day.

=> 90% of Managers didn't know :- What is sold in detail Today - Basic info.

In business is about
Data Transparency, which means you keep good records & data of your business. It is basic 101 of running a Business. Easy understand. Office, Office Order Management helps you keep track electronic Records, Data & Transparency. So that you just focus on Business, no paper work, no worry, a peace of mind.



- You can get data like this Today, any day, one week, from date -> to date

- For example, you want to know 1 year period: - From Feb/ 20/ 2016 -> Feb 20/ 2017 = 30,000 order receipts = All Details of Orders + Total Sales in this year period + Total Tax + Total Employee's Sales + Total Sales by Cash, by Credit, by Office Pay + Total Pick up / Delivery and Not Pickup / Delivery + Total Orders not Fulfill + Top 10 Products sold this year period ... Just 1-Click Get All Data. DONE.

- If done by human will take weeks look into paper, calculation. See audit woman pic.
 

Office Cloud Database.
      
Data is gold
(-> Non any POS System had Database App like Office Database. It has Reporting Data only)

See: new Office Database pic. Using different JOIN SQL programming Get Data of many Relationship Table. No POS Sys can do this!

- The first Database that display photo in database.
-> A picture is worth a thousands words = thousands of more info.

NOTE: At back end Office is MySql, Oracle Server, where Data stored.

- Office Database App
is used as easy, user friendly Data Analytic Tool, Get Data, run SQL Programming + E-Business App - See Case Study: 100 E-Business Apps Diagram.
- Many Database Apps on market design this way, like
Intuit QuickBase ( non-SQL). See. - Sales Force, like CRM Database, is another example.
 
Usage: It is used:
- To Analyze Data, Get Data, List Data simple & complex.
- To use ** SQL Database Programming ** to get complex Data.
- To Create new Database Table, like Supply, Product Table store data, Create Data Relationship (Supply: 1-to-Many Product ) -> Then Build Enterprise Relation Database with many Relationship Tables.
- To Build Database Apps. See 100 Case Study of E-Business App use Office Database

-
In Business all is about data. Office Database Analyze simple & complex Business Data that non of any Pos System had. - Only in Office.

- It is the tool that company's
Head Office, the Boss, the VPs, the Data Scientist, the strategic Managers, wanted to use, and Analyze Data. Seen many our Blogs talk about DATA.

- Office Database Collect Data, analyze Data goes beyond
Pos Reporting Data. When business needs more data, complex data, whatever data -> Send us email -> We send you SQL Program -> You run it Get Whatever Data.

-> A Oracle Developer said:- "- Never seen like this before. Photos of Products, Customers, Employees... seen in database after Search, Query. Which made so easy analyze data, understand Data, Data looks and feel good, not like raw Data only seen Numbers + Characters."

- For example, when display data in database, customer, employee name = John Smith, without a pic = not clear. Who is it?

 
       All-in-one Price

- $ 39.95 / month  - OR -
-
$ 99 / month for 12 month - No Repeat

- USD 1.05% (1.65% CAD) Transaction Fee, or  Credit Card Swipe fee.


- No extra fee for addition Copy, or Tablet use. No extra feature fee.

- For example, use extra 10 Tablets = usd $ 0.0 All-in-one Office.

- Use extra feature like Office Database, Data Analytics, extra fee = $ 0.0

-
Use extra feature like, Office Mobile Order, extra fee = $ 0.0

- Use extra feature like, Office Card (Gift Card), extra fee = $ 0.0


- A small business said :-
A lot of fees and hidden fees. Should have more companies in this market to drive price down.

- This is huge market
35 millions small businesses, home based businesses, mom & pop stores in just US & Canada. Only 0.5% of this market could translate into multi billions dollars company.
 
                 Price from Other POS companies (All in $ USD )
 
- Monthly Fee: From USD $69.0 -> USD $89.0 / month

+ Additional Copy/ Tablet = + $39 USD.

- For example, see this Pricing extra Copy or extra Tablet use:

- A small business shocking: -> A lot fees + other fees, hardly pay the bill. - Hardly Modernize small business next level, Mobile + Cloud.

- This Pos company charge 5 iPad or Tablets = USD $ 249 / month extra
 

- Vend Pos charge extra use 1 x Tablet (register) = USD $39.
- A store needs 6 tablets cost = 6 x $39 = $ 240.0 usd /m extra.
Tot = 89.0 + 240 = $330.0 USD /m

+ Extra Feature: + $45 USD - must use ( like Gift Card only for Pro Acct = USD 40$ extra + Other Package extra fee..) , after use Basic Acct. So could cost appx $99.0 USD / m can be used for business.

+ Transaction Fee or also called Credit Card Rate Swipe Fee from: 2.5 % - 2.9% USD - Some charge extra 30 cent.

- For example, a customer pay 100$ by credit/ debit card -> fee = 2.7% x 100 = USD $ 2.7 - While Office = $1.05 USD
- A business sells  $10,000/ m Paid Credit Card, Fee= $270.0 USD

A customer said: - At first I sign Basic Account $25.0 USD. Can't use it. Need more battery. Then, I realize that I need to print, other stuff, can't miss. I sign on extra Other Package cost 45$ USD/ month, + Tax = 600 $ USD / year. Then I need Gift Card features .. is Pro Acct  extra cost = USD 50$ / month. Thus a whole package can use & run my business = $120 USD / month. This not include: Transaction Fee, extra Tablet fee ... Small business already a lot of fees, hardly pay bill. -> Small business lost comparative, hardly grow business in new Digital Economy.
 

 ...

Click here see New Office Summary.

( update March / 2017)

- We design All-in-one seamless integrate Cloud + Mobile into one system. There will be No Work on Android Tablet, No Work on Windows Tablet ... Work all devices.

- New Design of LinkedIn social media seamless integrate Cloud + Mobile into one. Type: https://www.linkedin.com See on laptop - tablet - mobile smart phone. - LinkedIn can afford to build Cloud + Mobile integration Technology.

 


Office Franchisee: You gather a group at least 5 clients at your place. We send developer working with you and your clients one-on-one training, make sure everything OK before they pay. You can arrange get extra service fee for one-on-one Training if your customers ok with that.
=>
Click see new update Office Franchisee
Jan, 2017 -> Freedom @ 30s.
=> Investors: We need investors get involved to accelerate Business Development. We want to bring All-in-one Offices in the world. Can't do it ourselves alone. -> You, your children work hard, take 25 - 30 years in middle class. But invest even few thousands in our start-up will get you rich very quick.


Update: January 2017.   continue updating ....
Enterprise Office Digital Menu
= Pos + E-Commerce 
Staff, Customers Take Orders when in Store, out Store, on the GO, no Line-up, offline, at Home, in Office, Order by Phone, by Tablet, Laptop, Order by online web Digital Menu, Order by Mobile Smart phone. No complex Cashier Pos, expensive hardware & software, no complex E-commerce, powerful Sales & Marketing, Promotion, good Price. Cloud Print receipt. Technology became simple & easy & cheaper = All-in-one

The future of millions of Stores is changing, reducing cost, simple and efficiency -> No need traditional Technology, complex and expensive Cashier POS System.
- Cashier: - How long take you input data in system this order from Paper Bill?
- Server:  - How long take you this order from Paper Bill?
- Business:  - Waste Time & Money every day.
- Use Office Digital Menu, Customer or Staff: - Add Items in Cart -> Select Payment -> Done! (see pics above.) ... Then ...
-> Then right away, Office collects a lot data. Everything, Bill calculated and Cloud Print receipt like this receipt, including add Coupon under. Make Receipt = Coupon.
->
Staff: - When customer pay at Counter by Cash / Credit Card, Staff use OOM turn but [Unfulfill] -> [Paid]. That's all Staff does! No need Pos.

 

=> Have You Seen this All-in-One Technology in any Store, even at StarBucks, McDonald yet?
-> Cost -  How much cost you to build? - Can you build it ?
-> Cloud Print - Email is simple. Take a long time type email, specially when store so busy. Not all customers have email. Business needs receipt. Can you Cloud Print receipt of orders any where, customer order at Home use their Laptop, Tablet, Smartphone, then Print, not just in Store?
-> Integration - How do you integrate all data from Pos, E-commerce ... in to one system?
-> How about Data, Sales Data, Data Analytics

- Investors & Customers Contact: - Email both: netthruoffice@gmail.com ,  ddanpros@hotmail.com - Subject: all-in-one. - or - Office Franchisee -  See in LinkedIn.
- Customization: We can customize Office fit your needs.

- Office Franchisee: You gather a group at least 5 clients at your place. We send developer working with you and your clients one-on-one training, make sure everything OK before they pay. You can arrange get extra service fee for one-on-one Training if your customers ok with that.
=> Click see new update Office Franchisee
Jan, 2017 -> Freedom @ 30s.

Our business  model called Sharing Economy - Use power of IoT (Internet of Thing) like Uber But Uber drivers use their own car expensive, pay for gas, don't get paid year after year even no working.

=>
Investors: We need investors get involved to accelerate Business Development. We want to bring
All-in-one Offices in the world. This, can't do it ourselves alone.
->
You, your children keep working hard, take 25 - 30 years in middle class. -> Let us work hard for you. Stock market can be crashed any time. The future is less opportunity. But invest even few thousands in our start-up will get you rich very quick. Keep working. Your choice/ Good luck. The early investors invested 5000$ in Facebook now all became billionaire, millionaires.

 
Update: January, 2017.  

Cloud Tablet App
= Staff, Customers Touch order -> Print receipt. Done!
That's simple. No Cashier Pos. Any business can create powerful Products & Services like this.

- Office Digital Menu


=> See View from Laptop -> picture is worth thousands words.
 
Update: Feb, 2017 --> current update

Take quick Office Tour from a customer order & pickup using mobile. And Office Order Management helps any staff manage every order. No need POS system. Help cashier more productive, multi tasks.
In store, Customers ( or Staff ) place order use Tablet or Smart phone:
- Add items in Cart -> Select Pay by Cash or Credit Card. DONE! -
->
Then Office collects all Order Data, Sales data, Product data, Employee Data, Customer Data, Price .. for Bill Calculation, Analytics, Pick-up, Order Management, Print Receipt  ... in 1s. Tradition back & forth could take 5 min = 300s + less Data.
-
In store = skip Office Pay, Fill Form - Fastest order pos in the world - We show Mobile Order above, Tablet same as Mobile. => See quick Office Tour
The simplest & fastest POS for not only Staff but also Customer take order few swipes. DONE! No back & forth.
All-in-one Price 39.95$ / month- OR- $ 99 / month for 12 month only - No hidden Fee  - Unlimited Copy/ Register - Credit card Transaction = 1.6% CAD  ( apx 1.05 % USD )

- POS companies charge all kinds of Fees in $ USD. Monthly fee from 79$ - 99$ ( more ) usd / month, Credit/ Debit Card Rate, Transaction Fee = 2.6% - 2.9 % USD.
Not include: Extra Tablet Copy fee, extra add on Feature, Package fee, extra one-one-one Phone support fee... Only Reporting Data, no Data Analytics.
 
- High end, heavy duty medium size & big businesses over 500 employees, use All-in-one Office plus powered by Enterprise Java + Oracle

-> Let's talk. Don't waste Time & Money for software development.
- Light, fast, resource efficient, only data embedded Client (thin Client), 3-Tier Architecture, built-in mobile, MVC, enterprise large scale, solid Foundation Framework.
Good for Cloud.

 

Ent. Java + Oracle = Plus


 

Only
each All-in-one Office Cloud Website has its own Web Server and Database Server

- We host Office
website like your own private (House) Website. You don't create an Account at a big Platform (Apartment) like Traditional POS Company.
It's
powerful because each Office website has its own Web server, Database server like MySql, Oracle. Good for Enterprise, larger scale, multi customers, multi stores.

-> While create
A Member Account at a big Host Platform like POS company, you don't have your own Web Server and Database Server. Thus, not powerful, not Enterprise.
 
Update Jan, 2017

-
Leadership Goal 2007:

- Let's increase sales target =
20% and efficiency. How?
=>
only Technology.

- Sell in store
offline, online, mobile. Sell more. Sell every where. Sell & Marketing, reach out customer every where, mobile.

- Past 5, 10 years, never changed ->
First goal: Implement Cloud + Mobile. Get help. Do it.

=>
Business today must innovate to survival. A new store must have Online Cloud + Mobile  -> If it is hard to implement mobile, even for big business. -> Get Office Franchisee.
->
Your business behind others.

Welcome to Digital Economy. Cloud + Mobile helps Small business do like Big business.
Reach out to huge customers. Sell any where, every where, any time, out of small & limited space of store
, even
Big, thousands of stores like StarBucks. => In a survey, Cloud + Mobile main technology in Digital Economy will be accountable for 30% -> 40% of Total Revenue, and keep increasing
 

         Goal 2017

- Learn. Innovate.
- Leadership in action.
- Get Modernized
-
Mobile + Cloud
- Get help. Get Digital
- Sell every where to increase sales 20%
- My responsibility as Manager.

- My business behind innovation, technology.
The past 5 years no thing new. The same old stuff repeat. -> Should I Modernize?

- But my staff can't help
. What should I do? -> Not easy solution.

-
This Manager boring same stuff ? -> Wake up in Digital Economy. Cloud + Mobile more 30% - 40% revenue -> This hard. Get Help. ->  Fast. Sell more. Sell every where out of limited space small store. -> Give customers new experience.
 

- All-in-one Office includes: Office Database, Office Digital Menu, Office E-commerce, Office Pay ...
 



- Office Database, user friendly, photo, interface with Back-end Database Server, used for: - Data Analytics, Reporting - POS Sys only Reporting Data. That's why no Data Analytics, no SQL Programming, no Create Table, no Data Relationship, not like Office Database can do all above.
-> Only
Office Users use Office Database to Get Data, Process Data, Analyze Data, Data Analytics, Inventory, Tracking, E-business Application, Day Care Center, Schools, Customer Database, CRM, HR, Accounting
...  Design all kinds of E-Business Database Application.
-> Office Database is not Back-end Database Server like MySQL, Oracle
...But it is a Database App user friendly for Office Admin, Managers .. used to communicate, interface with Database Server.
- A small business with 20 employees, may be only
10 employees have access, use Office Database at Head Office. A mom & pop store 10 employees, may be 5 staff have access, use Office Database..
So on average,
less than 10 people use Office Database every day. While tens of thousands of customers used Back end Database Server at Cloud Data Center.

- A  big business with
10000 employees, but may be only 100 employees at Head Office have access and use Office Database.

Update: March, 2017

A Story: Starbucks

- Market value: 83 Billions
- 25000 locations worldwide.
- Rev: 19 billions.
- Even that big, adapt technology, Modernize best Customer Experience: Mobile + Cloud.

- Even big corporation adapt Technology in Modern time Digital Economy.
It has new CEO effective in April, 2017. Kevin Johnson, came from Technology background. -> Which (mindset) will likely Modernize & use Technology. - According to CNBC:- Mr. Johnson has led efforts to integrate Mobile + Cloud applications into Starbucks' customer experience and operations.. Out going CEO Schultz, who build Starbucks from few stores -> 25000 stores :" -  Also touted Johnson's technology experience, which Schultz expects will be able to be used to enhance the consumer experience." -> He said in quote.  


- In Modern time, company needs Modern leadership. Mr. Schultz put his company first. Starbucks 25,000 stores,16 billions in revenue, not satisfied, still needs to Modernize & adapt Cloud + Mobile Technology.
=> But why the recognized, lovely, nice, smart, talented, best CEO like Mr. Schultz resigned? - Under his leadership, he bought & built Starbucks from few 6 stores to 25000 stores, and Starbucks doing very well.

-> Why Mr. Schultz resigned? - Still don't know.
1) - Maybe he just wanted to give Mr. Kevin all the authority and power as a CEO to implement the change.
2) - Maybe he knows his limitation in technology, although very talented CEO. The company now needs to Modernize & adapt Mobile + Cloud Technology. So put company first, he step down, hired a new CEO background in Technology to implement the change.
3) Maybe when a company, an organization, a business is changing to new direction, new level -> Need new fresh people -> Regardless who you are.

Small Businesses must be more aggressive use Mobile & Cloud Technology to expand business, like big business. Which doesn't cost a lot of money like open another location. 90% of Small Businesses after 15 years, still one small business one store.
 

How We Deliver OFFICE on Cloud to anywhere?
From anywhere, any country in the world,
any customers, any Office Franchisee, like Tina from Asia, just sent us email or submit Register Form @ our website let us know their Domain Name, such as, tinarestaurant.com. - Jennifer from US sent us 20 domains of her clients.
-> Next, allow 24 hours, we registered all Domains will be ready & active on Internet by Internet Registry Organization. At Head Office, we install their websites. 1 x Office website in 1 minute.
=> Finally,
Tina, Jennifer had all their All-in-one Office website to use in 24 hours. DONE!
 
-> Tina, Jennifer login
their website, access to Help, all Tutorials
step-by-step learn to build & manage & use website. For security, when Tina received email, in email we let her know the address (URL) to login her Office website as Admin. For example, Tina open web browser and types: TinaRestaurant.com/tinalogin + default User + Password. She change User + Password anytime.
-> Their All-in-one Office website includes all: Office Database, Office Digital Menu, Office E-commerce, Office Pay...
For example, Tina Office Pay = tinarestaurant.com/pos/officepay -> Send this address to customers get paid.


Jeff Weiner, CEO LinkedIn
- As CEO of social media LinkedIn had access to hundreds of millions users' background & profile, including CEO of Fortune 500 - The biggest companies in the world, so he knows better than any one.

 



Watch out:- extra Copy or Register Fee, Transaction Fee.
Only
Office Digital Menu can do all-in-one above + cheapest Fee. 
=> Tradition POS companies charge fee for extra Copy, or Registers for a Tablet. Example, 80$ usd / m, extra Register = 39$ usd

- A Store used POS software on 10 Tablets for Staff carry & Customers come to use at Table, cost = 80$ / m + 10 x 39$ for each Copy Register / m  = $ 480 / month (usd)

While other POS companies charge addition Copy / iPad or Tablet

 


- This cost a lot Tablet's Register fee $39 / customer
- Office Digital Menu Unlimited.
=> Understand tradition POS Transaction Fee or Credit Card rate / swipe = 2.8% usd + extra 30 cent / Credit Card Transaction. => Most Fee.

-
A customer bought $ 100 paid by Credit/ Debit Card will cost a Store = $ 100 x 2.8% + 30 cent = $ 3.1 / Card Transaction  (usd)

- A customer bought $ 10 paid by Credit/ Debit Card will cost a Store = $ 10 x 2.8% + 30 cent = .28 cent + 30 cent = 58 cent / Transaction. => Thus Store sold 100 receipts / day extra 30 cent cost = 100 x 30 cent = 30$ / day or 900$ USD / m - Not include cost 2.8% / card transaction.

=> For example,
a store to survival, must have ave Total Sales = $1000 / day, apx $ 300,000 / year revenue (not much)
-> Transaction Fee cost = 1000 $ x 2.8 % = 28$ /day =
840$ usd / month Transaction Fee ( no 30 cent ) + $ 80 usd / monthly Fee => Total Cost Fee = 920$ USD / month ( not sure other hidden fee, like Register fee )

=>
Most customers Don't Analyze Data when Buy. Not the Monthly Fee but the Transaction Fee.

- Card Transaction Fee - OR - Credit Card Rate  is heavy cost for store, every time customer paid by swipe their credit card.


- Small business can't afford.

- Mom & pop store.
-> A lot of fees heavy cost for small business already too much cost.

=>
Most customers Don't Analyze Data when Buy. Not the Monthly Fee but the Transaction Fee

- Office Digital Menu 1.6% CAD / credit card transaction.
- No extra 30c /swipe.
$ 39.95 / monthly fee - Unlimited copy/ register.
- No any hidden fees.

- POS companies charge all kinds of Fees in
$ USD
.

 


Update: January 2017.   continue updating ....

Office Pay - Add on feature built in - Another innovation from All-in-one Office. First e-payment by text on smart phone.

We use Cloud Technology with Mobile Technology, a new kind of software development today, so that it works in both environments. For example, look at Pay Pal App.
Open your smart phone browser, type:
NetthruOffice.com/pos/officepay - We host on a small inexpensive, non commercial server for testing.

Office Pay Case Study: See Click here
- A lot different ways you get paid from your customers.
A business said:- Office Pay helped us get paid quick and fast. Saved us Time & Money. Before no Office Pay, after done service, we send a customer invoice later. Never get paid. Now, we fill data in Office Pay in our smart phone or tablet -> Hand over customer fill credit / debit card. Get paid right away.

We can get paid anywhere convenient, onsite, in house, travel. We text a message and Office Pay link to smart phone of a Customer at home or on vacation. Customer opened  txt message -> Click on
Office Pay link like
mycompany.com/pos/officepay to open Office Pay, and paid. So simple. Txt always sure customers received, while email could lost in junk mail or virus.

You can Sell Tickets, Donation, Get loan paid. Customer Register, Deposit, Track & Calculate Payment. Both we and customers got email receipt if successful paid...

-> You can create a Group in smart phone Contact -> Send Text message for payment to every one in that Group.
-> Just Office Pay is worth it of money.
 
Email Virus pretends like payment email. People curious open email -> get virus, or hacker gets in, take control, spy your computer, you don't know.

Office Pay Text -> Get Paid.
Avoid Web Form, website owner, Staff, collect credit card. Use Office Pay, no one get credit card info. Only PayPal process payment.

1) Office Pay - First Digital Payment using smart phone text to your customer and get them paid by Pay Pal. This way, they will never say not receive your email because in junk mail.

2)
Office Pay - First payment had database for Data Analytics. Other Payments used report only. Thus can't analyze Data. Click see Office Pay Data Analytics
 

- Office Pay Get paid &
Pay
fast anywhere. Easy
-Like a mobile credit/ debit card terminal carry any where. No monthly fee.

- Office Pay ticket no line-up.
Get email receipt if successful
No email, check Name, Phone

- Even Vendor used Office Pay with Tablet, smart phone.

- Office Pay Text & Get Paid. Client anywhere: 1-click & paid. No one-to-one like other payment. Office Pay program PayPal -> Take photo fast credit card, if don't type.- No Credit/ Debit Card Terminal. No need Card Reader.

Card Terminal

Card Reader
Note: Office Pay good for e-payment, remote payment, customers out store.

- Office Pay register, deposit, donation.-> Get email receipt. Secure & safe. Avoid Web Form, Website owner, Staff, collect credit card. Use Office Pay, no one get credit card info. Only PayPal process payment.

When to use Office Pay - Only Office Pay can do:
Click Office Pay Case Study
 

Avoid Web Form, website owner, Staff, collect credit card. Use Office Pay, no one get credit card info.
 


Data, Data Analytics, add-on SQL Queries Get Data when needed whatever simple & complex Data. That's why experience Managers choose All-on-One Office.

- SQL = Structure Query Language used for Database Programming.

- All-in-One Office that can Track Data, Get Data, Analyze Data, Database Programming SQL Queries in real time, flexible, powerful, add-on SQL Queries Get Data when needed Data, simple Data, complex Data like Net.Office, Office Digital Menu ... Because of Office Database built-in. Other Systems don't have like Office Database. -> When business in need whatever Data, simple & complex, we just send you a small code of SQL. Then you can install in Office Database to get such data easily.

For example,
"- Get Listing of Data of all Customers, Name, Email, Phone, Customer Photo, Products bought inc Product Photos, Qty, Unit in Stocks, Unit on Order, Re-Order Level, Desc, Date of Orders, Tax, Sub_Total, Order Number, Shipping info, Details of Suppliers of Products, Detail of Staff associate with orders, Cashiers, Employees, their Name, Employee Photo ... of Today's Sales, last week, or from Date to Date."  - in 1-Click
 

- You need some simple & complex Data -> We send you short SQL program -> You install a short powerful SQL program's code in Office Database, Get whatever simple & complex Data. = Only in Net.Office.

- Built-in Office Database for Data, Data Analytics you can find only in Net.Office system.
- Office Database new first kind of database can store & display Photos.

For example, See the Boss's Listing of Data on Demand.
 


- Office Franchisee at 30s. Freedom @ 30s. - Update Jan, 2017
- You work full time. Use free time working as Office Franchisee.
All you need is 10 customers / year who pay for 39.95 $  / month. => In 3 years, you get 30 customers. Then you Get Paid around 1100 $  / month  year after year, as long as you keep maintained 30 customers.
-> If you get
60 customers pay 39.95$ / month, you will get paid year after year equal to 36,000$ / year gross salary after minus for Income Tax + other Work Expensive, such as, car Gas, car Insurance ...
=> Even minimum wage people work hard for it. No company, no organization pays you
36K / year after year doing nothing, go travel. Sales & Marketing Professionals rather want to get paid like this than on salary a lot of pressure to achieve sales target, and be laid off anytime if not meet the sales target of customers. Good Luck.

Choose Different Payment one customer at a time: Customers will pay $ 99 / month for 12 month only - No repeat year after year. Your commission will be 60% = $ 720 / customer. Customers can pay 1 time = $1050 / All-in-one Office Only 1.6% / Transaction Cost. Business saved huge money for monthly payment ( = $ 1000 / year ) and Transaction Cost ( 2.8 % ) by other POS companies.

Investors: Get involved. All we need is 699 customers / year -> Total Revenue = 699 x 99 x 12 = $ 840,000 / year

-> Our business  model called
Sharing Economy - Use the power of IoT (Internet of Thing) like Uber. But Uber drivers use their own car expensive, pay for gas, don't get paid year after year even no working. We want to bring All-in-one Offices in the world. Can't do it ourselves alone. See more detail.

-
- Make extra Fee:  for Training, Setup, One-on-One Service, Add-on Features.
-
For example, Cloud Vend Pos charge extra 19$ USD / month for just Phone Support, or else Email support only.
- Oracle charge 10000 $ for Oracle Training
. So Office Franchisee can charge extra fee. But negotiate with customers.
=>
$39.95 is a fee for using software only. Unlimited registers.

Your Job Description: Most customers need Training & Support in the beginning. Of course, our developer with you during Training. After they know how, they would not bother, call you any more. You are free do anything you want. Work other full-time job. Customers see you by appointment or by phone. You are the boss. No one is watching. No better customer service than this.
-> Other companies
support by email only, customers wait for email support long time. Support by phone, one-on-one must pay. No such phone, one-one-one support, free training like you. That's why you can charge extra for these services.
 
- An Office Franchisee said :"- I love sales & marketing. But no opportunity, even MBA no better future. Globalization, Technology, Automation make even harder to look for jobs. Understand the reality, better prepare for the future. Most Sales & Marketing Jobs are commission based, must be 9-5, and no way get paid year after year generous, even not working like Office Franchisee. Only experienced pro Sales & Marketing Professionals get paid salary. I work survival job. Now, Office Franchisee gives me this opportunity to do what I love, get extra income, help family, help small business adapt innovation, and have experience. Freedom at 30s. "
 
- An Office Franchisee said :-  Even big IBM laid off its employees in recently, gave them only 1 month get paid severance package. No one pays year after year even no working, and high commission. Car sales executive, only sales commission, 9-5 regular hour, Get paid 150$ commission for car 30,000$. No such thing get paid year after year. They want to create jobs, opportunity for people.
NOTE: We could sell Office online price = 16.95$ / month, much cheaper
50% of current price. Or sell online 499$ / software, no monthly subscription. Or sell online 49.0$ / month for only a year. No repeat pay year after year. Transaction Cost still = 1.6%.
And still make profit. Because we don't have big expensive business operation cost. And we can deliver software on Cloud to any where in the world.
 
How We Deliver OFFICE on Cloud to anywhere?
From anywhere, any country in the world,
any customers, any Office Franchisee, like Tina from Asia, just sent us email or submit Register Form @ our website let us know their Domain Name, such as, tinarestaurant.com. - Jennifer from US sent us 20 domains of her clients.
-> Next, allow 24 hours, all Domains registered ready & active on Internet by Internet Registry Organization. At Head Office, we install their websites. 1 x Office website in 1 minute.
=> Finally,
Tina, Jennifer had all their All-in-one Office website to use in 24 hours. DONE!
 
-> Tina, Jennifer login
their website, access to Help, all Tutorials learn to build & manage & use website. ?For security, when Tina received email, in email we let her know the address (URL) to login her Office website as Admin + default User + Password. Change User + Pword anytime.
-> Their All-in-one Office website includes all: Office Database, Office Digital Menu, Office E-commerce, Office Pay...
For example, Tina Office Pay = tinarestaurant.com/pos/officepay -> Send this address to customers get paid.
-> What ever customer support will contact Jennifer. Jennifer then contacts us. We focus our best on R&D, Product Development.

- Goal 2007: - Let's increase sales target = 20% and efficiency.
->
Sell in store offline, online, mobile.

Tina doesn't have a hosting share account like share Apartment, on a big expensive Platform tradition POS. Cost a lot money to build & maintain big Platform. But Tina has a whole website like her own private House. More powerful because her own Tina Office website will have its own Web server, Database server like MySql, Oracle. Good for Enterprise, larger scale, multi stores.
-> While others build big Platform Apartment to host 10,000 customers, we build a house (website) to host 1 customer at 1 time when in need. => Almost businesses want to host their own separate website with others, live in their own house.

=> Investors: Get involved help us accelerate Business Development.
 

- An Office Franchisee said :-  It is hard to see small businesses, mom & pop stores paid high monthly fee like 80.0$ usd / month = 960$ usd / year after year + Other hidden Fees, extra Register.. +  High Transaction Fee like 2.8 %, at least 840$ / month if sold 1000$ / day. Small business can't afford this. While we have much better Price monthly fee = 39.95$ / month - Transaction Fee = 1.6% will help Small Businesses a lot.

- A potential Office Franchisee:"- I have full time job. I work my free time as Office Franchisee to make extra money. I also want to learn more about real Technology applied in Business that I didn't learned from school. Only Technology helps business grow fast through innovation. I call my job as Office Franchisee is Business Analyst and Industrial Digital Consultant, who help business grow in the next Fourth Industrial Digital Revolution.
- While we kept talking, lack of leadership, India country will become the next leader of Digital Revolution, the Fourth Industry. Their Investors, businesses big & small have used & applied Digital Innovation, invested in Internet Start-ups, created huge on demand Digital Revolution faster than any country in the world. Even small businesses, street vendors used Cloud, Mobile App for their business. Like China invested in Industrial Manufacture Revolution 20 years ago. Huge return today."
- An Office Franchisee said:- How about Mobile Order? - Customers anywhere use smart phone -> 1 Touch Order -> Pay -> Print receipt ->  GO - Skip Line UP/ Pickup/ Delivery/ Reservation. Estimated pickup times are shown in the app before customers confirm their orders, if customers not in store.
This make store mobile -> Increase more sales. Only we can do this technology even big business can't. We helped many stores increase sales 20%. For just a small price, a lot of stores world wide will be on mobile. "


Net.Office Plus to Customize for specific needs

Office Franchisee can charge 1x time fee that customers want to pay for: Consulting, Setup, Add-on Features, Training, other Services from A to z.
For example, if you charge
$ 2950 or $5000 / All-in-One Office system, and customers agree to pay => That's OK.  Thus, 10 customers pay customized $2950 # $ 30,000
 => It cost a lot of money & time & investment to build software. -> Your business pays few thousands for software customization is worth it of investment to Modernize your business .Your business pays few thousands for software customization is worth it of investment to Modernize your business .


Businesses leverage the power of Cloud, the Internet of Things

For example, Uber runs Tax business, having hundred of thousands of tax drivers in thousands of cities around the world working for Uber, and Uber without owing one taxi. While other tradition Taxi companies spend a lot of money for business operation, high labour cost, high taxi maintenance cost, slow, less efficient, less profits, very hard for them to compete with Uber.
-
Airbnb runs Hotel Business, having hundred of thousands like small hotels, rental rooms around the world, and Airbnb without owing a hotel, a rental room. They dominated their own industry. They surprised people never think such Cloud Business Model would exist: run taxi business without a taxi, run hotel, rental room without a hotel, rental room.

=> In order to take advantages, leverage huge resources in large scale, global, around the world, Uber, Airbnb needed funding, and lucky had investors back them.

In the beginning, a lot investors, analysts, people said business model no good:- Nobody wants to share, rent their Room to strangers, invite guests in their own home, in their own property for quick cash. No safety, and risky for their family. - OR, Nobody wants to use their own car, pay insurance, pay gas, drive car as Taxi driver ? ->
But, people do it, drive taxi, rent their home, because they need money, extra income, help their family, even for short time few months.

=> A Professor explained: "- Uber, Airbnb leveraged
the power of the Cloud Technology, the Internet of Things ( IoT ), and the power of Sharing Economy. You have labour + means. We have Technology, the brain => Mutual Benefit = Both make money. Mutual Collaboration = If you don't like it, don't do it. And Self-Managed. Self-Efficient = Work hard, Get more rewards. => Business big and small must know how to use the Internet of Things in order leverage their potential, scale up business bigger. Our limited mind can't understand it. We see the world in our small world. It happened in US, Silicon Valley, large scale Investors meet large scale developers."

- In any country, more than 90% of businesses are small business. Small businesses should use Technology, leverage the power of the Internet, the Cloud, expand business bigger in the Digital Economy. Doing business use Human back & forth is costly every day, not efficient, and will not scale business bigger to next level.

 


Customer Testimony

 - Tina D, small business owner.
"- For my business, we need Good Customer Database, so that we can find data for different business usage, for example, data for CRM ( Customer Relationship Management ), Email Marketing, Customer Buying Behaviour, Customer Order History, such as, -> Have detail DATA ( not summary or chart ) List of all orders from John Smith for Jan 2015 - Jan 2016...
OR ->
List top 10 best sellers, least sellers of Products & Services customers bought Jan, 2016 - April, 2016.
OR ->
Get list of customers not return store in last 6 months, then launch email marketing, promotion ...
OR ->
List all sold Products & Services, and show data of Invoice Orders, Sub_Total, Tax, Product Photo, Qty, Price, detail info of Shipping, Date & Time, even know Customer & detail Info (bought these products & services), Employee & detail Info (sold these products & services), Product Inventory, Supply products with its Contact Info, ... sold today, this week, from date to date...1-Click Get Data. So many data we need for our business so that we can track customers, employees, products & services, revenue... 85% of Businesses don't have GOOD CUSTOMER DATABASE, and don't make use of DATA. A big loss !
"

Good Story: increase revenue, efficient, save Time & Money
- Jenny D, coffee, food, bar, restaurant owner. - Latest Update -

" - We use Tablet Office Digital Menu for our restaurant.
- When customers come, our staff welcome, bring 1, 2 or 3 Tablet Office Digital Menu for customers just come. Customers take time to Look promotion -> Choose food items -> Print -> Eat food, Drink -> After finished, Pay Cash/ Debit/ Credit card at counter. Done! ( Or, Pay first -> Eat later ..)
=>
When staff bring food to table, they get Office Digital Menu Tablet back for other customers, maybe leave 1, because customers don't need tablet menu while eating.
- We plan to buy each table a Tablet Office Digital Menu later.
- Office Digital Menu print 2 receipts, 1 for kitchen, and 1 for billing.
- On the receipt, everything is calculated,
no match price, no error, no back & forth.
- It saved Data in database for calculation, Data Analytics when needed.
- We also use Office Digital Menu for
order online. => Then Print receipt online orders to store Pos Printer.


NOTE: Computer Scientists see business differently. Because not only they know the Technology, its power, but also they know the Architect, Design, and is it possible to  Write code to build that. -> So that they work with business, apply, build Technology to Modernize business.
-
It is true most businesses run some kind of software, made by Computer Scientists, help manage their business efficient.
 
- Office Digital Menu Save $ 5000  / year for 2 x copy Paper Bill


- Tradition take order by paper bill. Take time, match price, no efficient

-
No one can remember thousand of prices S, M, L.. diff sizes, add-ons.
- Need: Go take orders at table + Match price + Time back & forth + Input data in system + Calculate = at least 2m / order = 120s, more times if order many items

- Office Digital Menu everything done electronically in 2s + accuracy 100%
=>
This process = All customer time take orders, 0 staff time VS. tradition all staff time back & forth every day take orders.

-> Can you Take order this bill, when store very busy or not busy, and Calculate + Print receipt. Everything accurate, clear DONE in 10 sec?

Benefits: - As a result:

1)
Staff more productive. Business more efficient. No back & forth. Business operates more efficient. -> Save a lot Time & Money.
2) Good fast customer service
. - Customers complain services about: miss communication, ignorance, rudeness, no welcome, long waiting, back & forth. Servers complain about customers: rudeness, lousy.
3) Save Paper Bill more than 389$ / month 2 x
copy Paper Bill + tax = 5000$ / year paper bill. This money 5000$ saved we can buy at least 15 tablets + Pos printer.
4) Multi Receipts everything calculated, accuracy, clear print. DONE in few seconds electronically by computer. No human error, back & forth.
5) Data & Data Analytics
when needed. -> Get data of Total Sales, Tax, Revenues, Products, Customers, Inventory ... this week, month, from date to date, more advanced Data, Data Analytics than Pos system.
For example,
 => Listing ( = see List of all Orders and Products & Services, not Summary ) all Orders of Products & Services, and Summary: Total Sales Amount ( 5000$ sold today ), Total Cost ( 3500$ ), Total Profit  ( 1500$ ), Total Sales Qty ( 250 items ), Total Orders ( 120 ), Total Customers ( 100 ), Total Tax ( 500$ of 10% tax ) sold today, or this week, month, from Date to Date? 
=> List all Orders that had Product_ID = 3 = Heineken beerand Summary: Total Sales Amount ( 400$ sold today of Heineken beer  ), Total Cost ( 300$ cost of Heineken beer  ), Total Profit  ( 100$ ), Total In-Stock Qty ( 300 items in stock of  Heineken beer, Product_ID = 3 ), Total Sales Qty ( 200 sold of Heineken beer ), Total Tax ( 40$ for 10% Tax ) sold today, or this week, this month, from Date to Date? ". 
6) Order Online,
pick-up / delivery.
7) Order on the Go, Skip line up for busy people. -> Specially busy Office workers use their Smartphone. -> Order fast at Office Menu -> Pay ->
Then Cloud Print 2 x receipts from far away for kitchen prepare food + Bill -> Pickup fast. Good for office employees, busy people no time for line-up, waiting.
8)
Revenue increases 15 % because Office Digital Menu helps Sales & Marketing, helps increase revenue, reach out more customers, sell more, words of mouth to thousands of customers in store every month, and Online Sales.
- Total Revenue = $ 400,000 / y. => 15% increase of Total Revenue = extra $ 60,000 / y.

This By Design by Net.Office, only Office Digital Menu can help.

- Online Sales pickup / delivery

-> Increase more revenue from 15% - 20%. This translate
$40000  -> $80,000 more revenue.

- Order fast on the Go
- Skip Line-up
Smartphone
order Office Menu fast.
-> People still line-up at coffee shop.
=> Good for busy people, office employee on the Go.
Use
: Smartphone -> Order from Office Menu Fast Order -> Pay -> Cloud Print receipt from far distance -> Pickup.

- Receipt everything is calculated. Nice, clear. Give Coupon.
- Receipt should have Item ID
 

-
Millions of stores big, small, street corner, luxury, high class, common class of food services, coffees, nails & salons, restaurants in the world are moving slowly to Tablet Digital Menu.
 
---- The Future of Automation & Efficiency ----
While you run business in tradition, heavy cost, unprofitable, back & forth, not efficient. Hi-tech companies invested huge money in R&D in order to make business automation & efficiency.

- Robotic, AI
- Driverless Car no taxi driver like Uber
- Stores no Cashier like Store Amazon Go. Customers walk in Amazon GO store -> Pick up item -> Go. No Cashier. No Pos. ( Pos = old technology, cost, complexity ).

Amazon Go = 
Quick, no cashier, no long line-up. Save Time & Money. Low cost, convenient.

- Amazon GO store: Buy Pick-up item -> Just Walk Out. No Cashier. No Pos. Save Time & Money
Amazon GO is still in testing in Seattle. Amazon plan to open 2000 Amazon GO stores.
- The Amazon GO technology has benefit for few thousands Amazon GO stores. But the technology All-in-one Office has benefits for million stores around the world.

- Traditional Store: Pos complexity + Cashier + Long line up. Costly. Waste Time & Money

- Amazon GO Store: No cashier + No Pos. Fast. No long line-up. Save Time & Money
- All-in-one Office Digital Menu & Enterprise for store like Nails & Beauty, Salon, Coffee Shop, Restaurants no Waitress, no Server, no Cashier. Customers few swipes -> Food orders at Table. Eat -> Go. No Cashier. No Pos ( Pos = old technology, cost hardware + software, complexity, not important any more. No Cashier )
The future of Store:
No need Pos + no Cashier. - Old Technology. Costly.
-
Unnecessary. Waste of Time & Money.

 All-in-one is Data Automation, Database, Pos, E-commerce, Cloud Print. -> The winner is the first in the game. We will not say more here.

- When are you ready for this Technology? Take the lead or stay behind.
- When can we see happening at your local store ?
 

Grow business through innovation

To compete with foreign companies that produce goods at lower labour costs, and to produce more with less cost, Canadian small and medium-sized enterprises (SMEs) need to improve their productivity. The fastest, most effective approach to competing successfully in this area is to adopt digital technology

What is good for business
-> More revenue ( a lot businesses contributed less tax -> Because less revenue -> Because run business not efficiently, no growth, no innovation.) -> Good for economy -> Good for country.

-> Modernizing business is Modernizing country.

-
Because good businesses will grow, create more jobs, hire a lot of people, produce more goods, more products & services -> More revenues. -> Good for the economy ( all is about economy )  -> Government collects most taxes as its revenue from businesses and their employees ( income tax ) in order to provide all kinds of services & pay benefits to citizens, like, security, social benefits, child benefits, education, health ...

- In any country, 95% of businesses are small & medium sized businesses. Which means few millions of small businesses. They create most jobs, employ most people.

=> Assume, if 1 small business creates just 1 job / year. This translates into million of job created, not in thousands. Huge number. => Easier said than done. But there is solution. => Grow Business through Innovation.

=> A true story a small business grow through Innovation, and hire at least 1 employee:
- A small business restaurant store runs business in tradition for 6 years, nothing new, nothing changed.
Then the business owner changed his mind after listening to advisor. This business used Technology, sell online,
expand business Sales & Marketing online.
The online business helps this small business reach out more customers, different kinds of customers, reach out more communities.
As a result, online business helps increase revenue to 15% - 20% = extra more $75000 - $100000 from previous revenue $500,000 to $575,000 -> $600,000. This small business then created an E-business office department, hired extra 1 employee, who is responsible for growing the new online business to 50%, and he also do delivery. In future, this business will expand and grow the new online business to
50% of total revenue = extra $250,000 ( = can hire at least 3 people ) even more, and hire driver, more people
.
- The business owner :"- We, small business ignored, behind technology & innovation, because we had problems of technical challenge. Thanks to the advisor who helped, supported us through difficult time, positive change in the right direction. Build it, people will come."  -> This is an example, a business use technology, grow through innovation. Different kinds of businesses may use different technology, like Cloud Computing Technology, innovation, and grow.

- So how can we help business grow and innovation? -> Not easy problem solving.

We can educate/ advise/ help/ support, design policy that give businesses incentives, give funding, reward business transparency, give tax return.. if they Modernize their businesses for their own benefits. Thus help/ support businesses grow and innovation -> When business grow, will create jobs.
-> Countries like South Korea, Japan, German, US, Canada, China .. is an example Grow Business through Innovation by using innovation, growing the new economy, and fostering growth.


 


- A luxury high-end store is using Table Digital Menu. Now affordable for any store.

- Office Digital Menu Sales & Marketing thousands customers in-store, online every month.

Customer: See promotion -> 1-Click order -> Print -> Pay.
Benefits: 1) Save business Time & Money. Good service.
2) - Save
5000$ / y  paper bill
3) Receipt calculated by computer. 4) Data
5) Order Online
6) Order on the Go
7) - Increase revenue, extra
$60,000 / year , online sales.

=>
Only Net.Office can help.

- Customer ordered by herself using Office Digital Menu.
-> You don't see this even in big coffee store.
------------------------------------

- This lady is ordering, looks for promo, likes Tablet.
-> Tablet Menu is seen even at a remote area store.
----------------

- Staff can take orders with tablet menu as well.
---------------

- Office Digital Menu @ Nails & Salon store.
---------------

Office Cloud Print is used for all kind of print to Pos Printer
-> Only Office Cloud Print can print far away distance.
----------------------------------

- More than 100 years old Paper Menu.
-> The world is slowly moving away from Paper Menu.
-> Paper Menu = No help, no benefit for business
in new Economy.


The world moves slowly to Tablet Menu. Much better.

- The whole world is moving slowly to Tablet Digital Menu -> Luxury, high class stores are using Table Digital Menu -> Now it is affordable for any store.-> We are ready.
 



- The future of Store will not need Pos + Cashier. A whole thing is expensive and complexity, human mistakes.
- Unnecessary, inefficient when busy.


-> Cashier will do some other task more productive.

-> 90% customers don't check their bill, can't self-calculate when paid
cashier.
For example, can you self-calculate this: 7.50 + 13% =?

-> A lot restaurants don't even give receipt to customers.

- If the cashier made error, enter wrong number, or don't press enter to save into system, both the customers & the boss don't know.
 

Top
 



- INVEST & Modernize for long tern benefits.



Office Order & Management
- Mouse in photo stop - Mouse out slide.
=> Order ID 1074 has 2 x Items
1) Japan Udon Soup = 2 qty x 5$ = 10$
2) Heineken Beer 2 qty x 2$ = 4$

- FU =
FullFill Order - UN = UnFulfill Order
- CASH =
Pay By CASH -  GIFT = Pay by Gift Card.
- CD_C = Pay by Credit Card - OFFI = OfficePay
- Total = 6 Orders. .
.. wait for loading ...
First Second Second third third third third
=> Never forget, lost Contacts your customers even last 5 years.
1-Touch, Get Contact of Customer, Staff.
 - Get all kinds of Data, Sales Data, Staff Data, Product Data, Customer Data, Order Data, Date & Time, Qty, Price, Sub_Total, Tax .. any Date,
quick Data snap shot any period, 5, 10 years... 1-Clicks.


Mobile Order on the GO: Open store every where. Reach out more customers. Generate 30% revenue for StarBucks.
A true story: Use Office, A small store 500K / year revenue -> Generate 150,000$ extra revenue -> Create 2 jobs. Hire extra 2 employees.
  



- Think out of the box. There are many ways to solve problems.

- Sales & Funnel Marketing also called: CRM = Customer Relationship Management. => Using Net.Office, you can build CRM Sales & Marketing Funnel. Track leads -> Prospects -> Customers from beginning to the ends of sales cycle.
 


 
- You have to have a lot of passion for what you are doing because it is so hard. If you don't, any rational person would give up.


 

 
 

 

=> People no web skills can build & maintain Net.Office by themselves.
- Net.Office Demo & Seminar & Training for people who need training. - Training from STEP 1 to STEP 6 in 5  days.

=> After finished Training, people will get Net.Office  Enterprise Business Application & all features they wanted. Also they can update & maintain themselves.

- Organize Net.Office Demo & Training.
- Consultants, Instructors have clients through their local Networks, Community. Most of them also have full-time Job.

- People pay for Training from STEP 1 to STEP 6 in 5 days. They also get Enterprise Business Website with all features in STEP 1 - STEP 6.

- All trainees need is a Laptop.

- Net.Office Seminar is comfortable at Home of Instructor or at Home of Client
=> Have Developer build E-commerce + Enterprise POS System could cost more than thousands. And you still depend on them to maintain.
=>
Then Developer left, Website, E-commerce is inactive & useless. No one takes care.

 Office Cloud Database -> The advantage others don't have.
- Our advantage - The first photo database, a database can contain & display photo.


- Picture: Net.Office Cloud Database stores & displays & sees big unstructured data like photos, maps, videos, play videos in Database Table, as seen in this picture.
=> Because data are storing, loading & moving in cloud, not from network file servers, Net.Office Cloud Database stored pointer & used pointer for photos, videos, maps... for fast loading & moving data in cloud. It does not store big unstructured data in big heavy & slow BLOB files in database. Thus, rather move 1 GB = 1 billion bytes of a video file, from one location to another location in Cloud, Net.Office Database moved 150 bytes pointer of video file.
=> The pointer is only 150 bytes, much much less heavier than carrying & moving video file = 1 billion bytes.
NOTE: A database column NAME stored name = John Smith = 10 bytes.

-
A picture is worth a thousand words for database. => Imagine the Internet can display only Text, but no Photos, no Videos, no Maps?
=> Databases today can display only Text & Number, but can't display photos, videos, maps, as seen in the above picture.


=>
So many applications require or need to have database embedded with Photos & Videos, Maps, and Play Videos in database.
=>
In the beginning, the Internet could display only static Text, no Photos, no Videos, no Maps. And then, the Internet can display photos, videos, maps.. As a result, some many applications were born, such as: Social Media, You Tube, Music, Movies, GPS Map ...
-
Simple Use Cases: - Organization has database of HR Human Recourses. Hospital has a database of Patients. School has Student database. Company has database of Products. => But most of databases can store only string or words, but no video, no photo attached. Thus people can only see the name of employee, name of patient. But people can't see photo of John Smith, can't see photo of his Managers, his Team members... Student database can't see face of students, their class mates, their teacher's photos... Can't see photo of patients & digital photos of patients like X-Rays ... Can't see photos of Products, can't play a video of Product demo in database. A picture is worth a thousand words. A picture adds a thousand words to database .

- Harish K, Data Scientist. - Design and Build NexGen Big Data and Analytics Solutions: "- If you take a look at Enterprise Information Systems that are currently in use, you will notice that they are very restrictive in nature in the sense that it is quite difficult to handle data types other than text or numbers. Moreover, text and numbers are handled using pre-defined (text and numbers) fields only in the database. It is extremely difficult to store/retrieve files of other data type like image or sound (videos). This can be attributed to the fact that although we have seen changes in computing power, storage capacity and network speed/reach, the underlying database technology hasn’t changed much in past two decades."
 
- The problem of Database is hard to use because no GUI/UI/UX (= like windows) interface, no pop-up windows, no menu, not friendly user like software. Click See example GUI Database and other Databases.

Net.Office Database built-in GUI/ UI, popup windows, menu. Net.Office Database made database user friendly like Software Application. Any one can INSERT, DELETE, UPDATE, ADD data in database from pop up windows. User can EMAIL customers, CALENDAR, APPOINTMENT, UPLOAD files, photos, picture, documents.
-
Example, Photos Documents Database: - You have database Employees (- Or Database of Students, Real Estates...) You create another database called: Employees_Doccuments. Then upload files, photos from laptop & store Resumes, CVs, Contracts.. in database. Now you can join, find all documents relating to the Employees. Also see photos of employees, or Students, Home Real Estates... One click see documents
.

=> You can't do this Photo Document Database
use other databases, because other databases didn't not let you to upload files, photos, documents in its database. You can do Email Electronic Invoice to customer in database. Pay use Credit Card, Pay Pal. Other databases don't do this ACTION. =>
See example of GUI database and other databases.
 

Net.Office E-Business System


- Cloud big servers of Cloud Data Center to run Cloud Database & Cloud Software.

- Net.Office Cloud Database runs in Cloud Data Center.
- No need a lot of servers, network, hardware, backup, maintenance ..




- Problems solving is the most important skill,
you don't see often in HR, Jobs application's requirement.

=> For example, Elon Musk who didn't have Aerospace Engineer degree, space experience, nor Car Engineer degree & car experience. As CTO (Chief Technology), he build SPACE - X, does contracts for NASA, and as Chief Product Architect, he built Electronic car Tesla. => Because he knew to hire the best people working for him. And he is good at problems solving. By problems solving with smart people every day, he learned, and helped them solve problems.

=> Every day, at work, in office, people spend their time in order to try to solve problems. Because every problem is different, and there are many ways to solve problem.


- Problem Solving: School Test for kids.


- Problem Solving


- Problem Solving


- Problem Solving.


- Problem Solving
____________


- Start-ups work very hard, Invested a lot of Time & Money, in debt.
=> We should encourage & support & help innovators, their innovation & invention for their hard work, risk-taking
. => Work together, and Help each other, then we can do anything.
_____________________


- Problem Solving.



=> An Engineer tried to help the Workers : - Improve hard work & make life easier !

=> Thus if you have the right Database Developer, who design the right Database Enterprise Architecture, the right Database Table Relationship, and write the right code SQL database programming, then result of data is the same for your Database Application, whether you use Oracle or use Net.Office Cloud Database.

=> However, Net.Office Cloud Database is much much easier  to use, manage, and maintain by design because of GUI/ UI/ UX/ Windows screen interface, and in Cloud, thus no need of back up, maintenance like other Databases. => And also other differences are: Net.Office Cloud E-Business can embed Photos, Pictures, Documents in its database.

=> Or, if you have Oracle database, but you don't have right Database Developer, then your Database Application, the result of data is still wrong. If you are not good driver, even very powerful half million dollars car doesn't help, more dangerous to drive.

NOTE: All the database examples in this website, the Architecture & Design, the Table Relationship, the Database Normalization, the Diagram Schema, the SQL database programming are the same, whether you use Ms SQL Server, or Oracle, or Net.Office Cloud Database.

 

=> We show you HOW TO BUILD ENTERPRISE DATABASE MANAGEMENT SYSTEM here came from our Oracle Database Developer.

-
He is Java / Oracle Database Application Developer, and Java Software Developer, specialized in both Software Architect & Design and Database Architect & Design.
- He is also Database & Software Instructor.

=> He
summarized, made it simple, direct into hands-on & build DBMS = Database Management System, passed un- necessary theory, used practical & easy examples. He used examples of Data Sheet Table for easy to verify data, track dada, and see result of data, easy to see the Relationship of Data, and the Relationship between Tables, so that for people with completed grade 12 level could understand & do it easily.

- Benefits? => You will know how a Database Management System like Oracle is built & implemented.
=> You also understand how
agencies, banks, companies, businesses, retail stores, online E-Commerce, big businesses organize, store, process, and analyze data.
=> This gives you ability
DOCAN = Design data, Organize data, Collect data, Analyze data, Normalize Data.

- He also gave you
100 Database Diagram Schema, practical applications, work case studies. - No where does this. - Students choose a work case study, such as: Track Customer Order System, or, Ticket Master System, or, College Teachers, Students, Classes Management System, or, Medical Center Management System, or, Business Warehouse Management System, or, Invoice Management System. Learning Schema, SQL is not enough. The Instructor will help step by step to implement complete DBMS system.

=> The Database Schema or Diagram in this website are used for
Oracle, Ms SQL Server, Net.Office Cloud Database.


- Any one complete grade 12 can learn and build DBMS Business Application.

- There is huge Home Based Business increased. We had a lot of moms home based small business build Invoice Management System to manage her Invoice, Orders..

- Then
Build & Manage her Website, E-commerce business, online Store, sales & marketing, show Products & Services her home based business.

NOTE: Oracle database and Ms SQL Database are the number 1 & number 2 respectively best seller database in Billions of dollar, more than SAP database, any other databases in the world.

1) - The most important thing when build DBMS is understanding the RELATIONSHIP, because Database is all about RELATIONSHIP, that's why called: RELATIONAL DATABASE. There are only 3 RELATIONSHIP in database: 1-to-One, 1-to-Many, and Many-to-Many.

2) - For the Database Normalization, if you can't do Third Normal Form ( 3 NF = best efficient ) , then Second Normal Form (2 NF) is OK.
- Definition of Database Normalization: Normalization is the process of organizing data in a database. This includes creating tables and establishing relationships between those tables according to rules designed both to protect the data and to make the database more flexible & efficient by eliminating redundancy and inconsistent dependency.
For example, Your company needs a DBMS = Database Management System. You begin to exam, interview staff, ask questions, and process collecting data & extracting data from invoice, data from reports, data from excel spreadsheet, data from Sales & Marketing, data from warehouse... And then Create its Database Relationships, Database Schema, is called: Database Normalization.

Click Left Menu: Case Study: Build Database Begins with Company Invoice.
We show you STEP-by-STEP to design Database System.

IN SUMMARIZE, Build DBMS can summarize in 4 steps: 
Collect Data => Normalization Data => Design Schema => Write SQL Program.

- STEP 1)
At the beginning: Gather data, collect data by looking at company INVOICE paper, INVOICE excel, other reports, company documents, Inventory, working with other staff, other departments to understand data, to analyze data... if you can.

- STEP 2)
Normalize Data. See we normalize the Invoice Excel, go through: - First Normal Form ( 1st NF) -> Second Normal Form ( 2nd NF) -> Third Normal Form ( 3rd NF)
- For example, Click Left Menu
: See Database Normalization: Case Study: Build Database Begins with Company Invoice.

- STEP 3) Design Database Schema: After Normalize and Database Design in STEP 2 is
efficient at Third Normal Form. Now begin design Schema (=Diagram). Can draw on paper.

- STEP 4)
Write SQL Database Programming to get data what you want. => Create Tables, Input Data, using SQL programming ... includes in STEP 4.
=> For example: "- Who are our top 10 VIP customers, and Products (= Items) & Services they bought last year? "

NOTE: Data Warehouse, BI ( Business Intelligence = Smart Business ) on DBMS (= Database Management System) may need to DE-NORMALIZE Database Relationship to Second Normal Form ( = 2nd F).
=> One major difference between the types of system is that Data Warehouses, BI
are not usually in third normal form (3NF), a type of data normalization common in OLTP (=Online Transaction Processing) environments.


=> Big companies still need EDBMS (= Enterprise Database Management System) for daily Business Operation, Business Processing
. => They use Data Warehouse, BI to analyze data on
massive scale data with hundreds of millions of records of data.

- In order to analyze data, Developers do ETL (= Extract Transform Load) data from EDBMS (Enterprise Database Management System) in schema, like: STAR or SNOWFLAKE.

- IMPORTANT NOTE: - For Users, you don't need to know database schema, START or SNOWFLAKE schema. It is like driving the car, you just need to learn driving instructions.

=> WHY DO WE NEED BI ?
Here is the answer from ORACLE in quote: " - Using this warehouse, you can answer questions like: "- Who was our best customer for this item last year?" This ability to define a data warehouse by subject matter, sales in this case, makes the data warehouse subject oriented."
 



 


xxxxxxx

Office Database not just a database .



Picture: Net.Office Database for Social  - Click see bigger.
 
Use Net.Office, in their office, the Boss, the Management, VPs know every thing in just 1-Click.
- They access E-Invoice & Order Management Menu, 1-Click, they know - How many orders online, in store, in each location, Total Sales, Tax, Revenue, Products & Services sold, Quantity, Customers .. today, any date ... so on. 
-> They access E-Customer Management Menu, 1-Click, they know How are new Customers, return Customers - Top 10 VIP Customers - Who Customers not return store in 6 months ... so on. 
-> They access E-Commerce Menu, 1-Click, they know How many online orders today - Total Sales, Revenue, Best sellers online ...today, any date.. so on. 
-> They access to Sales & Marketing Management, 1-Click, they know How many orders Sales Rep John Smith has sold, total sales in today, between date, products & services sold, who are his customers today, any date? - Who are the best sales person, all kinds of Sales Data today, this week, this month, any between date ... so on
-> They access Human Resources, 1-Click, they know everything about their employees, their photos, their department, their resume, their managers, their projects, their Social Media ...
-> They access to Pos Management Menu, 1-Click, they How many in-store orders from their stores in different locations. - Best seller Store, least seller Store, Total Sales, Tax, Revenue each store, total stores. - Who cashier staff on shift in that store.. Today instantly, any date, so on ...
-> They access to Shipping and Delivery, 1-Click, they know What are the orders will delivery today, next 2 days, who customers, address, who drivers .. so on ...
-> They access to Inventory and Product Menu, they know How many products in stock, on order .. so on ...

- With little help from Net.Office -> The Boss, the Management know everything.

- The Boss always requests more small Apps in need from Net.Office


All-in-one Net.Office = Data Analytics + Office Database + Office Pos + Office Pay + Office Cloud Print + Office Digital Menu + Office Cloud E-commerce + Office E-Business Apps.

- Investors & Customers Contact: - Email both: netthruoffice@gmail.com ,  ddanpros@hotmail.com - Subject: all-in-one. - or - Office Franchisee  - See in LinkedIn.
- Customization: We can customize Office fit your needs


Net.Office for Data and Data Analytics
 

=>Taking care of business:
- Are you too busy to keep tracking numbers? -> Waste of Time & Money. No time grow business.

1) - Use Net.Office, by design can be used for all kinds of businesses,
in order to take data from paper invoice, or create data digital invoice fast like taking orders. Then invoice data saved directly in Net.Office Database.

2) - Then use Net.Office Database for Data Analytics. Now you can satisfy, answer your Boss 's the list of data on demand ( see Blog Oct, Nov / 2015 ).

NOTE: Your staff spent few extra seconds to get gold data from your Invoice will save business a lot of Time & Money & headache, back & forth. - Net.Office also helps get data from invoice, and build up Good Customer Database for CRM...
 
=> Your business still uses Invoice paper. Your business still runs the same. Nothing is changed the way you used to do business..

=> Around the world, there are millions of restaurants, businesses run business use only paper receipt, paper invoice, or even have no Pos. There are businesses that don't use Pos.

=> Just use Net.Office as extra tool independently for getting Data and Data Analytics to dig gold mine data from paper invoices that are ignored, and get all kinds of Data and Analytics from Net.Office for 39.95$ / months.
No need to buy extra hardware.
Use your own iPad, tablet, laptop. No Transaction fee, Hidden fee, Add-on fee, User fee, Licence fee. Just use for getting data. - Good return on investment.

=> Every one sees Invoice. Every business has Invoice. Invoice is a cheque that customers write to company. In business, you must know well Customer & Invoice, which are most important data because without Customer & Invoice, without business. Bring Invoice to your Managers.
Ask ->
- What do you understand from this Invoice ? -> Can you get data, and answer few questions from the Boss's Data List in Nov, 2015 Blog above ? -> What methodology? -> What tool? Such as: No Tool, Guessing Tool ( like use Invoice paper - see left photo ), Software, Spread sheet, or Database ( complex & powerful Analytics )  -> Provide solution. 
-> As an example - see left menu this website. Case Study: How to Build Invoice Database. - How we can get data & analyze data from Invoice ).

 

- Invoice is real time Data, most recent Data, most important Data. - For example, SMBs may need to know - What are top 10, 20 Product Items & Services, and its Total Qty, its Total Sales of each top 10, 20 Product Items, sold in last month, 3, 6 months or in a year. - OR - Get data of Products & Services of customer John Smith bought from date to date?
->
Some businesses said just get this data, and Good Customer Database are worth of money.

NOTE: Customer is the most important for business. A lot of businesses don't even have Customer Database, or have a no-good Customer database that contains only contact info: Name, Address, Phone ... You can't find data, good customer insights, can't CRM with no-good Customer Database. - For example, you can't find: - Who are customers do not back in store in last 6 months ? used no-good Customer database.

-
Big businesses, medium & small businesses, all have paper invoices that have a lot of golden data. But nobody knows how to use them for their own benefits.

=>
What a lost for business Can't Get Data from Invoice. - A lost for business no Good Customer Database. - A lost for business manage but no data. Can't Measure.

Use Net.Office in Summary few secs:
- Use Net.Office for Data in simple ABC means: - A = Analytic Data. B = Business Operation efficiently. C = CRM ( Customer Retaliationship Management ), Good Customer Database. How?
When you take Order, or get data Invoice  using Net.Office Pos, that means you use Net.Office for Data in ABC.
-> After ABC for Data, use Net.Office for E-Commerce online business
-> Use Net.Office for Cloud Print. Print anywhere, any location.
-> Use Net.Office for Pos (Point of Sales)
-> Use Net.Office for Digital Menu
->
Use Net.Office for Database, Customer Database, Product Database, Supply database, Contact Database, HR Database, Photo & Document Database, All kinds of Databases, Build Your Own Relationship Database with photos, documents ...
->
Use Net.Office for E-Business Management Apps ...
-> Use Net.Office for Email Marketing, Database Smart Form, Donation, Registration, Feedback, E-Payment Pay Pal / Credit Card, Product Catalog Design, Email Receipt ( invoice) & Print Receipt, Sales & Marketing & Promotion  ...

All-in-one Office is Cloud software (SaaS), by Vision, by Design for Small Business & Enterprise Business. All-in-one Office helps businesses run & manage business from Net.Office Pos, Net.Office Digital Menu used at Front-end office to Net.Office Database, Data Analytics used at Back-end office, from Net.Office E-commerce Online business to Net.Office Digital Menu in store, from Net.Office E-Business App for Supply Chain, Sales & Marketing, Accounting & Finance, to Order & Invoice Management, Product & Inventory Management, Customer Management, CRM, HR Management, from Sales & Marketing Department, Customer Service Department, Accounting Department to get data, to HR Department to get data, from Day Care Center, Medical Center, Dealer ship to Restaurant, Flower shop, Nails & Salon, Retails, Mom & Pop Store, Supper Market, to office Business, from Local to Global. All-in-on Office is simple, easy, affordable. All-in-One Office is  39.95 $ usd dollar  / month
 

Investor Relations

- We all help others, and get help from others. A lot big businesses got helps when their start-ups were small.

-
What do we need ?
We are in need resources.
We open to big and small Investors, all kinds of Investors: VCs, Individuals, Business, Corporations, Organizations.
 
- You have resource. We have product. We can make a difference. We will work very hard for return on your investment.
 

Update:

January, 2017


- Even at bottom, we still survival because less expensive cost.
-
We still will be in business the next 20 years.
-
We sell, deliver software on Cloud to customers anywhere in the world.
Click see how


- What ever investment you can contribute as share holders. -> Contribute on early days more important.
See Contact Email. OR no email. Any time. -> We send you Office Pay address =  Done!
- You can use Laptop, Tablet, smart phone, Debit/ Credit card
- After made investment, we have your info. - If successful, both get email from Pay Pal.

Investors: Get involved to accelerate Business Development. We want to bring All-in-one Offices around the world. This, can't do it ourselves alone.
->
You, your children keep working hard 25 - 30 years in middle class ? -> Let us work hard for you. The future is less opportunity, more debt. Stock market can be crashed any time. -> But invest even few thousands in our start-up will get you rich very quick. And become a part of company if you wish. Or keep working hard 35 years. Your choice. Gook luck. The early investors invested 5000$ in Facebook now all became billionaires, millionaires.

Office Franchisee - Choose different Payment one customer at a time: Customers will pay $ 99 / month for 12 month only - No repeat month after month. Your commission 60% = $ 720 usd / customer.
- OR -
Customers can pay 1 time = $ 1185 / All-in-one Office. No repeat payment monthly a lot customers don't like this repeat payment - 1.6% CAD ( apx 1.05 % USD ) / Card swipe Transaction most fee cost.
=>
Businesses save huge money from other POS companies on repeat monthly payment - All pricing in $USD - At least $89 / month usd - 1080 $ usd / year - repeat year after year -
Not include: extra Tablet fee ( For example, Staff, Customers use extra Tablets take order must pay extra fee.. ), extra Feature, Package fee ( else can't print receipt POS Printer. Email only + Can't have other important Features needed.. ), other add-on hidden fee + Hardware cost. And Transaction Cost, Create Card Rates fee / swipe 2.6 - 2.9 % $ USD  is most fee cost.
-> Customers tired of
all kinds of fees withdraw bank account every month.
=> To get paid, @Home send Office Pay. Done! -> Office Pay tracks who pay not pay, DateTime, Amount ...
See how we deliver software to you anywhere. Click

Investors: Get involved. Jump in. Help us Modernize store of the future. All we need is 699 customers / year -> Total Revenue = 699 x $ $99 x 12 = $ 840,000 usd / year ( 1.12 million CAD ) . Let us know How much % of our company if you invest your money. We need only few Investors. The early Investors will get better deals. You could become CEO, VP of company. We just focus on R&D.

US & Canada is huge rich market with 35 millions small businesses, mom & pop stores, home based businesses. Huge market for Internet Companies have different customers with different choices, to exploit huge market. Just 0.5 % of this US & Canada market translate into billions of dollars market value. But we also want to go global easier with such a best price no one can beat. Some Global Market, we have special low price to help less rich capital small businesses in Non-Industrialize Countries.
 => Having less operating cost and business expensive, efficiency, we can offer best price that other companies can't do because
they have a lot cost to produce Software Product too high after paid for Software Developers, R&D, Employees, Sales & Marketing, Support, Hosting Network Platform, Office Building .. As a result, they lost profit.


- Businesses need our software All-in-one Office for: - Increase sales, one Store not enough, Mobile, Online + Run efficiency + Cut cost + Modernize & Innovate business + Cheapest Price.
=> Only we can offer this.


- Contact: Email both: netthruoffice@gmail.com ,  ddanpros@hotmail.com
 - Subject: all-in-one. - or - Office Franchisee

- Social Media: See you LinkedIn - Hopefully, one day we meet in person.



=> Office Order Management on mobile. Touch order # 1054 see detail of that order.

=> See View from tablet      View from Laptop

- Mobile Management & Tracking every order in Store, Online, Off line, Pick-up/ Delivery, Order-by-Phone, and detail each order 1-touch. Anywhere, at Home, in Office, on Vacation...
-----------------------------------------------------------------------------------------


         Slide - Mouse in cease photo

First Second third third
                         Mouse in cease slide. Mouse out slide again

Office Order Management
on mobile. View Today Summary Sales Data.
=> See View from Laptop

- To get these data, we have to loop through data of at least 3 tables, then sum, then group data, then compare data.
- Give Coupon Print on Receipt bring customers back store, better than Discount.

=> You hired staff Jenny -> You want to know:
- How much she sold Products or served Services today - Like How much she generated revenue for company Today, this Week, Month, any Date? - If she get paid by commission, then How much she made Today, this Week, this Month, any Date?
- What are Products & Services she sold - or - Who are her customers Today, this Week, this Month, any Date - See photos?
 

- More and more ..Then you open Office Database.


Update: January 2017.


- Vend
global company invests a lot money in R&D. Its system runs on iPad, iPhone only. Can't run Vend POS on Tablet Windows & Tablet Android like Samsung, smart phone Android like Samsung -> Thus lost half of mobile customers use Android Tablet + Smart phone Samsung, and Windows platform like Windows Tablet. This problem applied for all tradition POS companies. Not just Vend - That's why called iPad POS -> Almost POS companies are iPad POS. Which means their product work on iPad & iPhone only.

- While Office Digital Menu, as you see that it runs on
all-devices Tablet, and smart phone Android like Samsung, iPad, iPhone -> You see below pic Staff, Customers use smart phone run Office Digital Menu as POS mobile not only Staff take order like POS, but also Customers buy order. -> Print receipt.

-> So think Mobile think All-in-one Office all-devices + Print receipt on Cloud.

=> Vend Pos, Office is Cloud Technology.
But why All-in-one Office runs all devices while Vend runs only on iPad, iPhone? -> What means for customers?

- Why Vend a global company can't develop product working with all devices to gain full market, not just 1/2, so that their customers use their product have access full-market, not just 1/2 ?
->
You sell products on mobile.
- Would you use product tool that offers access to only 1/2 mobile customers like only iPhone, iPad, or only Android like Samsung Tablet, and Phone, or only Windows Laptop, Tablet and Phone?
- OR - You want to use a product Tool that run all-devices Laptop, Tablet & Smartphone of Apple, Android, Windows ?

NOTE: Small businesses think Pos System work all devices. Their customers don't tell them when they can use their product to run with other devices.-> Lost customers.
 


Mobile Smart Phone App

- What you see this picture captured screen on smart phone clear & sharp exactly see on your smart phone.
Scroll
the left Group Menu, swipe content Menu left, right, bottom up.
One touch order -> Print receipt. Done.
- Customers anywhere use smart phone -> 1 Touch Order -> Pay -> Print receipt ->  GO - Skip Line UP/ Pickup/ Delivery/ Reservation. If customers are not in store, estimated pickup times are shown in the app before customers confirm their orders.

Quick: -> Touch on left Icon [Bun and Soup] List all Items this Category -> Touch [Option & Promotion] of Item 451 popup a List = Additional Options of Item ID 451.
Option = Size, Color, Attribute, Gender ..
Promotion
= Up/ Cross Selling, Promotion, Discount, Buy bundle, package with other Items.-> Marketing & Flexible & Create new bundle, package Product.-> More Sales -> Only Office has Tool let you create this Sales & Marketing.
-> Touch select
sub-Item 289 -> Pop in Data of sub-item 289 Automatic Change Price in
[Price Box] = 5.0 to replace previous default  [Price Box] Regular size = 6.0 + And Change [Title Box] under pic = Japanese Ramen Noodle Soup, small size replace previous Title. Now Data of sub-item 289 is ready submit to Shopping Cart. -> Touch [+] inc Qty =2
-> Finally, Touch [Buy Now] Order.
DONE. Cloud Print receipts. All popup [Option & Promotion] closed.
If tracking Employee: Touch pull down list [Select Employees] for Service if applied like Nails & Beauty Salon Stores. Which helps store Tracking Data Employees & Product & Service, week, month. Calculate Total Sales each Employee, Hours, Payroll.. i.e. = List all Products & Services that Tina has sold or done Services Today, this Week, from January to March, include her Total Sales, Date & Time, Qty, Inv #. - Store used to write on paper bill, note book, and hand Calculate = Error + Time. Can zoom screen IN /OUT.

Have You Seen this Technology in any Store, even at StarBucks, McDonald yet?
 
We used Technology Client Architecture Dynamic JS Scripting Database Connection ( Angular.JS, Node.JS, Ajax, React.js, jQuery..). and Server Side MVC Framework Architecture, Fast & Large Scale. Which send embedded data to Client Front-ends. We can have both Front-end Framework and Back-end Server side Framework working together.




- Modern Enterprise Java Architecture MVC 3-Tiers Architecture.
=>
It is not scripting language. It has 2 Controllers - Front End Controller and Back-end Controller.

=> The Bank is updating & using Enterprise Java
Framework MVC 3-Tiers Architecture.
NOTE:
JSP = Java Server Page is database dynamic scripting language like PHP, Python, VB ..., in this Architecture, doesn't go straight, nor embed Java Object heavy lifting connect database to get data - A web page - the VIEW - connect directly to database get data, and back & forth, is of course does more heavy lifting than a webpage just display data. Then multiply X thousands people open this webpage = The VIEW. Although JSP could. JSP is used in this model simple role as VIEW, like a HTML page very light, to display or renderer data only.
- You can see this 3-Tier Architect
is hard because it goes around 5 different roads, not bi-directional direct road.

=> Developers have different way to design their software application. => For this Enterprise Java Framework, you have to architect, design, and write code this Framework to understand. Specially for developers who used to write code in scripting language.

-> Office Digital Menu can open 100 item's popup of [Option & Promotion] at the same time to see before order. Screen stand still when open popup. Not Refresh site. Website not moved.
When you swipe screen left, right, bottom-up, popup still open. All Popup will close when you order [Buy Now] or  [Refresh] website or click [Reset] button. See pic popup of item 451.
- Customers Buy Food, Tickets at Home, in Office, in Store -> Then Office Cloud Print 2 x Receipts ( or more ) at Reception Desk for Customer receipt or Billing, for Kitchen's Store prepare food.

A Story: A store's Innovation.
Big Stand Order Machine Digital Menu inside McDonald Store -> No need through Cashier Pos. No E-commerce. An Innovation at McDonald's
- It is Big.

-> Small business can't afford big Digital Menu Machine 50,000$, but they can use Office Digital Menu for Tablet, Smartphone, and including Online Web Digital Menu, All-in-One, much better, low cost, convenient for customers. No Cashier Pos, no E-Commerce.

We play, we watch customers place orders back & forth. Can't swipe Catalog Food Item Menu left, right. We like Left Icon Navigation scroll similar to our design.

To Buy @ McDonalds:  Scroll & Touch a Left Icon Navigation like icon [McCoffee] buy coffee -> List all coffees in Category -> Touch on coffee item -> Select size... Many screens back & forth. -> Add to Shopping Cart always at bottom. -> Add Quantity  -> Paid -> Print receipt in store.

=> We like McDonalds's Design, looks simple, nothing complicated. But few things:
-You can't swipe screen left, right, bottom-up
. Thus limited space display limited food items. -> Because limited screen space, so jump back & forth many screens. No popup.
-
Its Digital Menu has no Up/ Cross Selling, Promotion, Bungle, Package Items.
-
For example, Office Digital Menu can display hundred different Coffee Items in one-screen smart phone, Tablet. You just swipe screen left, right. bottom-up for more items.
- Office Digital Menu - One Item has Promo, differ Combination, Up/Cross Sell, Bundle, Package other Items. See pic.
 

Digital Menu Order only in store, long line-up, congestion, crowded at big Stand Digital Menu Machine. This Digital Menu Machine helps increase store's productivity 45%.

The challenge for big McDonald and big, small stores
:
You can't order outside store, in parking, remote. Can't use smart phone order inside & outside store, mobile on the GO, and Pickup.
It is hard to design on small screen like smart phone. McDonald has big resources, but can it have talents get it done.

Order -> Print receipt.

=> Our Design everything happened only in one-screen. No back & forth. Popup [Option & Promotion] is open at the Item, not in the middle screen, so that customers can have many pop-ups open, see each Item's [Option & Promotion]. Shopping Cart always at the top, staff, customers can keep track items. => No back & forth many screens like E-commerce website
=> Our Design
helps bundle, package food items, seen a lot at McDonald, into one bundle Product, one Menu, easy 1 touch order.


Few Notes: As scientist, our job is do research, freedom of research, then inform & share knowledge & improve. People make their own smart decision based on Data. Technology keeps changing. Open mind to different Technologies, different Possibilities, different Solutions.

A Story: Professor today reality


-
There are Professors part of their jobs is doing Research, 70% of their time, not just teaching - a small part. -> Matter of fact, there are Professors just do Research, as a Research Scientist. Professors will lost skills, out-dated if just teaching. -> Professors doing Research go beyond conventional and traditional knowledge & wisdom, out of the box. Not surprise if they "- .. put forward controversial and unpopular opinions, whether or not, theses are deemed offensive. "  

=> How you became Professor?
- When you are hired officially by a large registered Higher Academics Institutions, College or University ( not a small institution ) to teach. On the contract paper, the Institution puts your title as: Associate Professor, or Part Time Professor, Full time Professor, Adjunct Professor... That you became Professor. It is not you self-proclaimed as Professor, or on social media.
- Some Professors started teaching at 20s.

- A lot academic scientists although had higher degree, teaching at small school Institutions, or a lot experienced scientists, but not hired to teach at large Academic Institution, College or University, so they are not Professor. -> To become a Professor, the first step is get into the door. - Like you graduated Engineer degree. But you are not an official engineer yet, until a big company hired you working as an engineer.

- There are all kinds of Professors with different backgrounds, who do: - Theoretical Research, Medical Lab Research, Business Applied Research, Computer Science Theory & Algorithm Research, Software As A Service Cloud Collaboration Research, Cloud Computing Research, Data Science & Database Application Research ... A broad range Research across the board, not just pure Theory Research.
-> More Schools likely hired Professors with more Applied Research than Theoretical Research.
-> Not all Professors do
Theoretical Research.
There are Professors good on writing school paper, school test, but no good on writing code, designing business software.

 
- Most Professors, today reality, teach part time few hours, free lancer, seasoned, no benefit income security, not enough to make ends meet. -> Unlike full-time faculty staff regular pay cheque. A full-time Professor usually teaches at least 15 hours / week.. So not-full time Professors have to find work, do consulting extra outside. Professors are free to express their ideas, technology, innovation, opinions outside of class room.

For example, A Professor can express ideas that this technology is out-dated and need up-to-date, Modernize new technology.


 

- Should open for more Minority Professors in school. -> Less than 9% are Minority Professors, while increasingly class room more diversity.
 
- A Professor could be outdated if keep teaching the same stuff repeating years after years, while technology keeps changing so fast. PHP, Python became most popular scripting programming languages for computer science students. Then Java Jsp, Servlet, Model 2 Architecture, was taught at senior year. A Professor who taught these technologies 18 years ago said :- Still popular today. People may not know, even students don't understand Software Architecture they are learning. -> Software Designers design software based on Software Architecture.

For example,
a software engineer Design & Write code for User Login a system, only a small task in thousands of tasks in large software system. He/ she open User database -> Read User data like User Id & Password -> Validation User & Password enter if match User data of User Id & Password in User database -> Then allow that user get in system. Else reject that User.
=> There are 5 different ways to write this User Login task depend on Software Architecture. Such as,
1)
- Design & Write code User Login Direct like in Model 1 Architecture. 2) - Design User Login with Java Object in Model 1. 3) - Design User  Login in Model 2 Architecture 4) - Design User Login in 3-Tier Architecture. 5) - Design User Login uses Web Services.
->
Each write completely different code depend on Software Architecture. The easiest way, most students doing now, is use a scripting language like Php, Python, Jsp directly ( Oldest Model 1 Architecture ) connect to database and validate User Login, like first Model 1 Architecture without Java Object Oriented Programming.

 
-> Free lance, part-time Professors, who are not on regular salary, tend more up-to-date Technology, don't mind to discipline class disruption, bad students, and give no good students low mark, and give good students more extra marks. Students have their right. Professors also have their right.



 

First Second third third
- Take Leadership. Take Action.
- You can Do it. We can Build it.


- Other businesses, companies invested huge huge resources in millions in R&D.
 
- We are new Start-up. It takes a while to build a company. The more resources we have, the more
values added, and more powerful product we build.

- In a Digital Industrial Transformation for smarter, faster, better business, there are huge demands for Pos, E-commerce, Online Business, Virtual Pos, Virtual Payment .. from small businesses around the world to run their business faster, smarter, better. No matter your business, Modernize and adapt online, cloud to survival.

-
Invest in Net.Office is to create job, and create benefit for business.
Every 49 customers, it will create a good pay and steady job. How? Click see.

C
lick here Contact Us


- Example, Office Database, one short 7 lines JOIN SQL Program => Will Get a lot of DATA in 1 screen. - DATA of Customers, Products, Quick Inventory, Shipping, Orders, Suppliers, Employees .... and PHOTO. -> Click on photo see big photo
- SQL = Structure Query Language used for Database Programming. For example, this short 3-words SQL program list all customers, and their Fname, Lname, Company, Title, Phone, Mobile, Email, Address, City, Country ... from Customers database = SELECT * FROM Customers = 3 words. => Built-in SQL Get Data, Data Analytics only in All-in-One Office.





















 

One touch icon [ N ] to Open App Order on Smartphone or Tablet.

 


- Small Businesses are diverse, in any country, there are more than 90% or millions of small businesses, mom & pop stores, such as: retails ( the majority is White ), restaurants ( the majority is Asian ), nails & salon businesses ( the majority is Vietnamese across US & Canada ), miscellaneous small businesses ( a lot South Asia ), self-employ businesses, home based businesses ( a lot Immigrants ), entrepreneurs, mom & pop stores, diverse world wide small businesses. Thus, we need to diversify for our benefits, scale, and grow.

NOTE: E-commerce, Pos, Data, Cloud Payment, Cloud Software as a Service (SaaS) for small & medium sized businesses is big. Some Internet companies, had two hundred of thousands of customers, and valued at multi billions of dollars.

- There is a good Unicorn Internet company provides just e-commerce, pos, more than 500 employees, had
less than 1% of all 35 millions of small businesses in US & CANADA used its product - Not including global, its market valued at 2 billons of dollars.  
 



- Touch order -> Print receipt. Done.
Order less than 1 minute
. Better than line-up waiting for service Cashier Pos.

->
McDonald Digital Menu looks simple not complicated. But easy said than done. This kind of Technology is not easy to build, because we built it we know. Big businesses like McDonald have resources & talents can build. Don't see at small business stores. That's why we build Office Digital Menu.

-> Challenge for McDonald is:
-
Can't order using Mobile Smartphone in store, out side store, remote, on the GO. Then Cloud Print receipt. While Office Digital Menu can.

-> In business Time, Money, and Efficiency.

-> Big Businesses always innovate.
But small businesses always lag far behind,
traditional mindset, small scale, too much cost, unprofitable, slow, inefficient.


- Crowded Amazon GO Store in Seattle. No Cashier-Pos. - Customers like it. Pick-up and Just Walk Out.


 


No software sys. Hard to grow bus. -> Better get Data in order soon. Deal with Tax needs Data.
-> Accountant :- In business is Data Transparency + Clear receipt or invoice. Peace of mind. Known is better. 


=> See View from Laptop
-----------------------------------------------------

- Buy Gift Card online 20$, 30$, 40$, 50$ ... anytime, easy.

- Paid by Gift Card -> Just Walk Out. Fastest. Simple solution.

- When not in store, select Office Pay -> Popup Office Pay right away -> Select pay thru Pay Pal or Pay Direct. DONE! ( see Office Pay demo )

 





Modern Enterprise Java 3-Tier Architecture




Model 1 Architecture: 20 years old Architecture.
JSP scripting language connect to database Get Data,  back & forth, either embedding Database Programming code directly, or embedding Java Bean Object Database Programming. Most Scripting Language like PHP, Python work the same. => This put a lot pressure on JSP the webpage also the VIEW -> That's why you see in Model 2, will change this Architecture by adding Controller -> Create new Java Servlet Programming.
- In 3-Tier MVC ( Model - View - Control ) Architecture, JSP is used as VIEW only. No embedding code connect to Database, no Java Bean Object embedded connect Database as well. Only Data embedded. => For developer PHP, JSP, Python ... this is a total 100% change the way they write their program. Like from speaking English -> Japanese.



Model 2 Architecture: 18 years old Architecture.

But better than Model 1. In this architecture, Servlet is used as Controller to direct traffic, and relieve pressure on JSP webpage = the VIEW in Model 1 Architecture. Which means that JSP - the webpage or the VIEW, now doesn't have to connect to database back & forth to get data like Model 1 Architecture. ->  An improvement of Model 1 Architecture.
-
For example,
whatever users request, like, www.mycomp.com/login will not go direct in JSP page that connects to Database like Model 1. But this user request goes to Servlet Controller direct traffic as Head Commander.
-> Then Servlet instantiate (created) Java Object Bean connect database, pass to JSP response to users VIEW.
->
High Level Modern Enterprise Java 3-Tier Architecture, don't use Servlet (= obsolete) as Controller, but used its own better Controller, and the VIEW JSP only for Display or Render Data. => A huge improvement of Model 2 Architecture used Servlet as Controller.
** IMPORTANT **
Modern Enterprise Java has a whole Framework, not just only JSP, Servlet + No Framework -> Write your own Tool = Waste Time & Money, that includes many platforms for Cloud Cyber Security, for Database Connectivity, Database Connection Pool, MVC, Mobile, Web Services ... that used for Enterprise Application Development. => Save huge Time & Money for Software Development. Servlet by design 20 years ago for small scale Web App only.

- This JSP Java Server Page -
Created 1998 by Sun to compete with Php, Python, Asp - All are scripting languages - Java Servlet not Scripting Language - Jsp, Servlet are 20 years old Java Technologies & Architecture in Model 1, Model 2.
-> Today Java has new
Modern Enterprise Java & Framework by design opt for Cloud.

-
Schools: - Jsp (1998) + Servlet Architecture Model 2, and PHP (1994), Python (1989) are still popular teaching in College for Computer Science students today.
-> Even College Student Graduate Technology Program, 1 year Program, for who already graduated from College, continue 4th year College Graduate still learn Java JSP & Java Servlet Model 2 Architecture as main Tool & Architecture Software Development after almost 20 years.  -> Problem not from school. But from not only Teaching not up-to-date, old Technologies, but also depend on experience of Faculty Staff, who want to teach old stuff or new stuff.
- Model 1, Model 2 technologies used to build Web Application were created long time ago before Cloud born.

=> However, some Colleges begin to update and Modernize curriculums to adapt fast changing in Technologies & Cloud -
A positive direction.

NOTE: we don't bias against any languages. Even we point out some old Java Technologies that are old Technology, not good for Web App, Cloud App.

So what Technologies we should use to build Web Application, Cloud App?

- Choose either
Java Technologies - OR - Non Java technologies, like Php, Python, which is easier than Java ... Your choice.
If choose JAVA
->
Then chose the top end High Level Modern Enterprise Java.
=> You can also build your Applications on different Environments & different Technologies.
- For example, your big Project divided into many App1. App2, App3 .. You build App1 on PHP, App2, App3 built on Enterprise Java.
App1, App2, App3...
share data, collaborate, work the same back-end database.


-  Model 1 Architecture use JSP + Java Bean Object Oriented better. Even JSP stand alone in Model 1 Architecture, is as good as PHP, Python, any scripting languages. People don't use Java because it is hard, and Java has many Java technologies, not just 1 like Php, Python.

- Should we change this Architecture to 3-Tier Architecture. Change is hard after already built.
-> Depend on who you talk? ->
You can't understand this issue by just reading.


-
Model 1 Architecture using scripting languages like JSP is like spaghetti code, not strong. Your App your money, you can build anything you want.
-
3-Tier Architecture has Framework lets Cloud Apps build on strong Foundation.

- The Boss, Management, Customers, Stakeholders, Investors, who are not Computer Scientist, not software designers write code, think software was made the same. It is not the same -  Like saying, all cars made the same, drive me from A -> B the same.
=> So they listen and trust scientists, advisers, who have different ideas, and advices. -> Even Software Developers don't know what they are doing. They write code, but don't know architect. It is like build Office Building without Architect.

The cost to produce software.
-> If we design All-in-one Office this way like Model 1, 2 Architecture, we have to improve performance, boost Network hosting Web Server, add more computing power Hardware, add more Heap (Ram) / website to be able to run A whole Cloud Software App SaaS All-in-one Office, and many its components like Office Database, Office Digital Menu.. -> Thus will costs us extra $5 / Office website ( a lot) -> Our Price will be $ 45 / month/ Cloud Office website / customer, not $ 39.95 / month


-> This doesn't help people from thinking out of the box, innovating, and creativity.








=> Businesses, companies, organizations begin to Modernize and build their Cloud Software on new Modern Enterprise Technology. Schools take the Lead in producing the next good Software Engineers, who have skills in need, so that they can help company, business leverage the power of Cloud Computing in new Digital Economy.


Update: Feb, 2017

- Undercover Boss - Supper Bosses

->
A TV show true story, true bosses about super bosses of big companies, who leave head office, pretend to be an employee, work along side with employees
1) -> So that the Boss can understand their hardship, difficulty, challenges.
2) -> So that the Boss can listen to their employee' s ideas how to improve process more efficiency.
3) -> So that the Boss could help their employees by improving their working environment, help employee's difficulty & challenges, and also improve their company more efficiency.
4) -> And then promote, reward best employees, and nurture talents.

- It is an honour and pleasure to work for super bosses.

- According to recent statistics:
Only 30% of employees engage. 70% of employees just go to work -> Finish the job -> Go home -> Pickup the pay cheque. No ideas.

 


Data, Data Analytics is the New Business in Digital Economy. That's why experience Managers choose All-in-One Office.

=> When comes to Data, Data Analytics, All-in-One Office can Track Data, Get Data, Analyze Data, Database Programming SQL Queries in real time, flexible, powerful, add-on SQL Queries Get Data when needed what ever Data, simple Data, complex Data like Net.Office, Office Digital Menu ... Because of Office Database built-in. Other Systems don't have like Office Database.
When business in need whatever Data, simple & complex, we just send you a small code of SQL. Then you can install in Office Database to get such data easily.
For example,
"- Get all customers, their Name, Email, Phone... who did service Manicure or Pedicure did not come back in store 4 months."  -> For other systems, this kind of Data is hard to get.
For example, See the Boss's Listing of Data on Demand.


Answer GET few DATA?
-What are the worst sellers, best sellers of products & services this week, this month, from Data to Date?
->
How many Total Qty, Total Sales of
Heineken beer, or any beer, or Cappuccino cups of coffee, or how many Chicken Soup Large Size, or Red T-Shirt sold this week, this month ...?
-
List History of all Customer Invoices & Orders, Products & Services? 
-> List all Services ( such as, Manicure, Pedicure ..), Service Hours that employee Jennifer has done this week, this month? Or, in January of last year, so that you
can pay her correctly? 
- The old fashion, Owner write
Staff's Services, Hours on note book. Staff also write their Services, Hours on papers -> Human calculation both Staff, Owner -> And matching data of Staff / Owner for pay -> A lot of hours, a lot of mistakes. Can't check back 3 months later. Not 1-Click Get Data & Calculate for any Date.
We track Employees on Menu.
- For example, Customers, or Owner of Nails & Beauty Salon use Office select employee to do service -> Take order.

->
Get a List of Customers who have appointment tomorrow, next 3 days ...
-> Get the list of customers,
who bought Product A, now there are new, similar, better updated version Product A (= Up Selling), or new Accessories, Extra Items, Add-ons of Product A (= Cross Selling), then Do Product Promotion to the List of targeted customers.
-> Get List of Students take Java course. Now there is new course Enterprise Java may interest them.
=>
For example, if you had 100 students took Java -> This data will generate at least 50% of extra revenue for your businesses, or 50 students will interest in Enterprise Java, from 100 students who already took Java course.

- We can keep on and on.... YOU NEVER GET THESE DATA USING OTHER SYSTEMS. A lot of businesses DON'T HAVE GOOD CUSTOMERS DATABASE, DON'T HAVE DATA, DATA ANALYTICS = A big lost for their business.
=> On average, after 3 years, a small business can have at least
7000 customers in database
=>
Unfortunately, a lot of businesses, either they DON'T HAVE Customer Database, or NO GOOD, JUNK Customer Database. that CAN NOT be used for Data, Data Analytics.

- Office Database new first kind of database can store & display Photos. -> Click at Home top left side navigation.
- Need Data on demand -> We send you short SQL Program -> You Install a short powerful SQL program's code in Office Database to get whatever simple & complex Data = Only in Office.

- Built-in Office Database helps
Get Data, Analyze Data easily, convenient, quick access Data... is the most powerful tool never find in other system.

- Data, Data Analytics is the job of Database using
SQL Database Programming. Other software system did not had this powerful tool Get Data. - See in picture.

=> Office Cloud Commerce: Working with Office Cloud Commerce

Office Database E-Business Apps for Enterprise Management Information System

What is Management Information System ( Database E-Business Apps ) and How To Build It.

- Update August / 2016

- Make it simple. Management Information System is A Database Management System, or easy to understand A Database E-Business (Cloud) Application.

-
We live in the world, businesses that are governed, managed by Data & Information.
-
Information = collection of a lot data ( building block of information ) that is processing to reveal the meaning of data. Data is raw fact, the number, the value.
- For example, Customer Address = 123 Main street, Total Sales = 250 is Data.-> Information = Address + Name + Email + Phone + Other related customer Data -> Processing data lets you know information of customer.
- For example,
What is contact of John Smith? - How much John Smith has bought? -What Products & Services he bought (liked) the most ? - What Products & Services customers like most, including each Product's Total Sales, Tax, Total Qty, this week, this month, from Date to Date ?

=>
Your business has data of Employees, Products, Customers ... You used to write the data like customer address, phone, email, name ...  in a notebook, paper, or in a file, even in a spreadsheet, in software. But store data in a file, a notebook, a paper, not in a database system, is very difficult to get data, analyze data. You lost data. - So you then use a database like Office database to store data. To summarise:
1)
- Create a Database Diagram like blueprint of these tables. Like building office building needs architect drawing.
2) - Then create Table Employee, table Customer, table Product.. saved data for Employees, Customers, Products .
3)
- Then create the Database Relationship of these Table Product, table Customer, table Employees
4)
- Then use SQL
Structure Query Language used for Database Programming to program to get data.
- Data collected from POS, Digital Menu, E-Commerce will fetch into integrated Office E-Business Management System.
- To get data for Inventory
, you build Inventory Management System based on database diagram. You can see photos of products if using Office E-Business Apps.

- You can build Child Care/ Day Care Management System - Medical Center Management System - School Management System - Inventory Management System - Customer Order Management System - Sales & Marketing Management System - HR Management System - Video Rental Store Management System -   Husbands & Wives Management System.. then see photos of students, patients, customers, products ... Only Office Database, Office E-business Apps. -> For medium & small businesses, Office Cloud Database is simple, easy, good enough. No expensive, complex like Oracle, Ms SQL, IBM DB2 database.

Office Database is first database can store & process photos.
So that you can easily recognize Products, Food Items, Customers, Employees, Maps, People ... 1 picture = thousands words.

This process is Management Information System. Management Information System
is not software because it is used for Data, Data Analytics. Management Information System is built by a professional Database Developer, Data Scientist, possibly by a Software Developer, a Business Analyst, different Professional Analyst, if willing to learn. Which give some ideas, some backgrounds, when you build Management Information System for your business, your company, your organization.-> We teach you How To Use Office Database Build simple Husbands & Wives Management Information System (DBMS) in this website. See Get Started left menu.

=>
The need of efficiency for System Integration vs. Software Silos, Stand-alone:
- For example, you use All-in-one Net.Office to build many different
Management Information Systems, like Inventory System, Customer Order Management System, Video Rental Store Management System, Day Care / Child Care Management System, Sales & Marketing Management System ... in one System All-in-One Office. Thus easy to share Data, collaborate between many Systems.
-
For example, a Customer Table stored Customer Data input from POS, Online Business, from Data Entry, from Website Form, from other sources. In Customer Table should have a field of data source like customers from POS, from Online Sales .... It shared Customer data with Inventory System, Invoice Management System, Sales & Marketing Management System, Customer Service & Support Management System, Day Care System, Manufacture System, POS System ... All Systems used same Customer Data -> Easy manage, collaborate one copy of Customer data ( = Data Consistency ).

-
While, software is silos, independent, not integrated. For example, you run Inventory Software, Invoice Software, Child Care Software...each software silos, stand-alone itself, Can't share data each other. Business runs many stand alone software, not integrate, not communicate, share data each others = Big problems. Hard to manage.
=> Thus,
Data, Data Analytics, Build & Integration of many Systems, Share Data are the advantage of All-in-One Office. You can't have do these in software. Need to buy different software for different uses. => That's why big companies, banks used big database like Oracle to manage their Data & Information, not software.

=> For Businesses, Organization, it is impossible to manage Data & Information using software.
-
You need Back Office Management System All-in-One Net.Office, including Office Database, Office Pos, Office E-commerce, Office Pay, Office Digital Menu ...
 
Database Management Information System Software
- Build many Management Systems integrated in All-in-One Office, like, Finance, Child Care, Day Care System, Inventory System, Customer System, Invoice System ... - Buy different software, services from different vendors to do specific task.
- Information centralized. Shared Data. Easy to collaborate. Easy to Manage - Information silos. Each software runs itself.  Can't shared data. Hard to Manage
- Data consistency, Integrity, such as, 1 copy of Customer Data. For example, Pos, E-commerce, Inventory System ... has the same Customer Table. - Data inconsistency and Redundancy, different copy of Customer Data in different software system.
- Integration, share data, read data, communicate each other system. - For example, Data of Customer Table is sharing its data for all Systems in same Database System, like: Inventory System, Order Management System, Pos, E-commerce ... Thus, when update Customer Data in Customer Table, all systems got the latest update of customer data. - No Integration. No share data. No communicate each other software.

- Update Customer Data in different copy in different software system
- Expand, scale database, more data on demand = Add more column ( field )  Data ( like Customer_Note field to store notes about customer ) when in need, more Tables, more Relationships.
-> 1000 SQL small programs ( few lines code) = 1000 features = 1000 ways of Get Data, Whatever Data.
- Use Office Database, when need new Data -> We send you a small SQL Program -> You Install in left side Database Menu -> 1-Click Get Data
- The banks run complex multi billions business using database like Oracle. Can't do this using software.
- Limited scale, less complex business logics. Can't customize software, add extra Data. All you get.
-
Can't use software to run large scale, complex business logics like the banks.

 
- JOIN data see holistic View, like JOIN Customer data with Product data, Order Data ... - Can't JOIN data
- Complex Business Logics ... - Less complex, simple business logics.
- Table + Relationship + SQL.
=> All-in-One Office has Table + Relationship + SQL = Three pillars of Relational Database.

NOTE: Relational Database
= All about Relationship -> That's why called Relational Database.

- Office Database, Intuit Quick Base,
top big 3 databases: Oracle, Ms SQL Database, IBM DB2.. are Relational Database.
- The text book is referral to: (Relational) Database Systems
-
Make it easy & short, people use name: Relational Database = Database.

- Table = where Data stored.

- Relationship = relational model, Diagram

- SQL= Process Data = Get Data, Analyze Data, Query / Search Data ...

- SQL, by design, is used for Relational Database only.
 ( Structured Query Language Database Programming )
- E.F Codd, a Computer Scientist at IBM first used: Math Relational Algebra providing a theoretical foundation -> Relational Model -> Relational Database.
- IBM DB2
is first main frame Relational Database from IBM. - SQL is by design built on Relational Algebra


 

 => No power of SQL Database Programming. No Table. No Relationship
 

NOTE: - Only Relational Database used: SQL, Table, Relationship. - Only 3 Relationship = 1-to-One, 1-to-Many, Many-to-Many.

->
It is ok for a Table stand alone, no Relationship. -> But a stand alone table is no good data, like A stand alone no good Customer Table ( = no Data Analytics, no values, no good data, dumb data ) and A Good Customer Table that has Relationship with other Tables. -> We already explain what Data & Data Analytics you can get from stand-alone Customer Table ( = no value, 1 view ) , and Good Relationship Customer Table ( = a lot of values, data is gold, $$$$  ).

=>
Relationship = Multi dimension ( multi D ) Data, holistic View VS. 1- Dimension (1D ) Data, 1-View
-> Now you understand why We Need Relationship.

-> For business, like drive car, you don't need to know Car Design. You just need to Get Data. Just 1-Click Get Data, what ever data you need.

NOTE: ** Business ran by Managers. The Boss, the Management don't know, depend on Managers to run business. ** -> Technology is changing so fast. We are now living in the world of Digital Industrial, Internet of Things. If Managers don't like Technology, don't want to learn, update their skills, limited knowledge of Technology ... Then their business, their company will not run efficiently, lost data, waste time & money back & forth, lost comparative edge.
=> Manage Without Data is Manage Blind = Not enough knowledge to make right decision, limited knowledge for problems solving.
like => As a result
, company will not leverage all its potential, scale, growth, hard to Modernize, lost competitiveness, lost comparativeness in the Digital Economy, the Internet of Things. => On the other hand, the talent Managers open mind to all possibility. They will improve their company's Products & Services, innovate their company to the next level.

NOTE: The text book show you how to build Database System or Management Information System used in College & University name: Database Systems - Design, Implementation, and Management.
Authors: Coronel, Morris, Rob. -> This text book used by Professors teach Database System Design & Information Management.
=>
It is applied for Office Cloud Database, for big Three databases, billions in sales, like, Build Oracle Management Information System, MS SQL Server Management System, IBM DB2 Management System.

=> The Computer Scientist who built Office Database teaching this course Database System Design, Implementation & Management.
-
It already takes many years of hard work R&D, he wishes having more resources to improve, Modernize Office Database, just like other databases always keep improving, Modernizing better.

- Office Database is new easy & simple way of Design & Implement & Manage Data and Information.

=> For example, a School has 3000 students, a Day Care / Child Care Center has 1000 children. A Company 50 employees, has 10000 Products.
- They use Office Database to create Tables, online E-Business Applications ( Management Information System),
insert Photos of students, customers, products & services...
- They need 1 staff responsible for
Input Data Entry.
- There are 19 staff in Main Office including: CEO, Managers, Admin Staff allow to login & use database, 1-Click Get Data.
=> Not all staff are allowed to login & use Office Database.
=>
Thus in Total = 20 staff users use Office Database. NOT MUCH.
 

- This text book used for teaching in College / University: - Database Systems, Design, Implementation, Management.

-
This principal used to design Database Management System Applications for Oracle, MS SQL, IBM DB2, Office Database
 

- Einstein's success is: - Your work making a change, making a difference had more values than money.
 
=> Read this College/ University text book Information Design & Management -> Understand the theory, principle, but you will not know How To Build It.

-> See Get Started from left menu show How To Build Management System, start from simple system to build Husbands & Wives Management System.
 

=> Simple Test:
- Ask explain the relationship of Customers & Rental Videos (= Many-to-Many? or, 1-to-Many ) - Write Code?
-OR; - What is the Relationship between Customers & Orders? - Write Code? -> Then you know or not.

=> Important Note: Make it easy, Office Database has Manage Database Relationship Tool helps you create Code to setup Relationship, Break Relationship between Tables. See left menu: Relationship Manager Tool.

Good luck.

- Easier said than Done! -> Let's Build It.



 

=> We built Office Database based on this principal of Database System Design & Information Management. It is for large scale Management System, a little bit difference with other Database Applications for small scale User Database Application, like Intuit Quick Base.

=>
Office Database required level of to know SQL Database Programming & Database Design & Diagram to build. But compared to other databases, Office Database is friendly user, GUI / Windows Interface, friendly user Input Data Entry, easy Database Menu, easy Install SQL Program ...
=>
intuit Quick Base required User Level to build, use database Template ( like Diagram of Office Database), no need SQL, Database Diagram.
=>
Therefore, we write a whole manual to explain step-by-step hands-on How To Build Larger Scale Database System. See Left Side Menu in this website -> Get Started
-> For business, like drive car, you don't need to know Car Design. You just 1-Click Get Data.

- We have 100 Office Database E-Business App Templates ( E-Business App is Database Management Information System ( MIS ). We made easy to understand, friendly ).

-
If Business needs Database Application and no Database Developer. -> Where ever you are in the world: 1) We design Database E-Business Application ( or MIS Database Application ) whatever type of your business, like Child Care / Day Care, School, Inventory, Car Dealership ... 2) We send you small SQL program ( few lines of code ) to get whatever data. 50 small SQL Programs are good enough to get all kinds of data.
3)
You just need 1-Click Get Data.

->
Use Ms SQL Server, Oracle even more complex, good for big businesses can afford. Need a lot of in-house Database Developers, DBA ( Database Admin ) run & maintain database. Cost a lot of money.


Use Office Database, E-Business Apps ( MIS)
- A School has 3000 students use Office Database to store students info. -> So can see photos
- A Day Care / Child Care Center
has 1000 children use Office Database to store students info. See photos.
- A Home based Business
with 5 employees. A Moms & Pop Store, A Video Rental Store with 10 employees.
- A small business
Company with  50 employees, has 10000 Products = 10000 rows (record). => Office Database Table can store millions of records. So 10000 records of product is small.
=> Database storage like hard drive, you can put as many data, records as you want.
-> So 3000 or 30000 or 30000 students, 10000 data of products or 100000 products, just data in table. Like you download 1000 or 100000 songs on your computer hard drive. No effect your computer.
=> But the number of users are using database, do a lot of activities on database. Such as, this user Search Data. That user Update / Insert data... will effect database, put a lot of pressure on database.
- Where are Data stored? -> Data like NAME = John Smith, Total Sales = 200 are stored in a column of row (record) of a Table. You can Insert 100 rows, 100000 rows of data in a Table. A Table can store million rows.

For example, this table Employees has 4 columns, 1 .. 10000 rows or 10000 records of data. Office Database lets you Add more columns in table, like, Add EMAIL, ADDRESS... even after Table already created like this table.

=>
Not the amount of Data, number of rows (=record) put in table, but number of users using database will effect the performance of database. Thus Insert 100, 1000 students, products in table same as 10000, 100000 students, products in table.
 
ID NAME TOTAL SALES PHONE
1 ... ( add more rows) John Smith 200 ( is data ) 12345
10000 Peter K 300 416-222-3333

- School, Organization, Business, Company, they use Office Database to create Tables, online E-Business Applications ( Management Information System), insert Photos of students, customers, products & services ..... Like Build Husbands & Wives Management Information System, Build My Company Restaurant Management Information System ( see left menu )
=> They just need 1 staff responsible for
Input Data Entry. Write SQL. Install SQL Program. Take care database..
=>
Input Data, Data Entry: -1) In-house Staff input data.
2)
Use Office Smart Form Builder to create web form at website for students, customers, employees, warehouse staff, onsite staff ... to enter data, upload Photos.
3)
Import Data from spread sheet.
4) Input Data also from
Pos, E-commerce, Office Pay, Digital Menu when customers order, staff take orders.
=> 19 staff in Main Office include: CEO, Managers, Admin Staff allow to login & use database,
1-Click Get Data.
=> Not all staff are allowed to login & use Office Database, access information.
=> Thus in Total = 20 staff users use Office Database. NOT MUCH.

=> Your business is not the Banks, Financial Institutions, Big Companies with ten of thousands of staff, employees, customers use database. => They need Oracle.

Office Database has integrated with: E-Business Apps, Pos, E-commerce, Digital Menu, Office Pay, while other databases had not, only database => This is the advantage.
 


=> You are Inventory Manager, then you should know this below the Architecture Diagram of Inventory Management System. You don't have to design Inventory Management System, leave it for Computer Scientist to design. But give you some ideas: - What Data You Need for your Inventory ? - The Relationship between Data in need in order to Manage Your Inventory. - What Data needed when problems, for Problem Solving. => If you don't understand this Inventory Architecture Diagram, then you don't have enough knowledge for Inventory Manager.
 


- Use E-Business Apps to build advanced & powerful Back Office Inventory Control Management System. -> Click photo see bigger.
We wish business simple like just have Pos, but it is not. Business spent more time & money to build their Back Office Management System.
- Medium & Small Business doesn't need complex & expensive Management System like Oracle Management System. We can build this Back Office Inventory Control Management System into POS system for extra cost.
 

- Use E-Business Apps to build Customers, Orders, Invoice Management System
-
>
Click photo see bigger.
=> We wish business simple like just have Pos, but is is not. We can build this Customers, Orders, Invoice Management System into POS system for extra cost

=> Office E-Business Management System is the fist system you can see photo of products, customers, employees, managers, suppliers .. in its system. You will never see photos like this in any other system, even in Oracle Management System, or Ms SQL Server Management System.

 



About Us:
Net.Office is the leading Cloud software as a service (SaaS). Our product lines All-in-One Office including: Data & Data Analytics, Office Cloud Database, Office E-Business Apps, Office Cloud Commerce, Office Pay, Office Cloud Print, Office Pos, Office Digital Menu will help all sized Businesses, SMEs, Small businesses, Home based business, Entrepreneurs, Mom and Pop shops use Technology, leverage their potentials, run their business efficiently, scale, grow business through innovation, and expand their business in the Digital Economy, in the Internet of Things.

Please send to private email: ddanpros @ hotmail. com - and: netthruoffice @ gmail com
Subject
: Let's talk.
Or: Connect us from social media LinkedIn


 



Enterprise Java & Modern Enterprise, Java Framework is the Technology
we use to build All-in-one Office
The main Technology we build All-in-one Office is called Enterprise Java Modern Enterprise Java Framework.

An Enterprise Java Developer went for an interview at a Bank for senior consultant position: Enterprise Java Modern Enterprise Java Framework Architect & Developer.
He said: "- Enterprise Java with Modern Enterprise Java, Java Framework Technology is used by the banks to build new Banking Systems, and Modernize Banking Systems."

We want to share with Businesses, Investors, and Developers so that you choose right software, right tool, right direction to the next 20 years, and save Time & Money for Web Application, Cloud Computing Software Development.
 


- The Banks used Enterprise Java & Modern Enterprise Java Framework to build its large scale banking applications.

To build a Web Application, Cloud Application, you have 2 choices: Non-Java Technology, and Java Technology. As we described in other Blogs, this Enterprise Java with Modern Enterprise Java Framework Technology is high-end level of Java Technology.
This technology is good for Cloud Computing Software Development, for enterprise, large scale, robust, tens of millions of users, Cloud Web Application.



 




It is very hard to Design same look & feel, fit in smart phone. =>



- Multi Tasks Office Digital Menu view from laptop - Click pic see bigger
 


Net.Office Cloud Commerce Business Online


- Net.Office Cloud Commerce Business Online Homepage. Click photo see bigger
-------------------------------------------

- Net.Office Homepage


- Click on photo see bigger
------------------------------------------
- Net.Office Cloud Commerce Product Catalog View by Title.

=> Use Album Manager tool to create promotion album. Then insert album in selected Product Catalog Jabra Wireless. People click photo to order.


- Click on photo see bigger

--------------------------------------------------


- Net.Office Cloud Commerce Shopping Cart - Click on photo see bigger
- For all kinds of businesses: Restaurant, Flower, Music-Entertainment Sell Tickets, Nails & Salon, Electronics, Hi-Tech, Charity Donation Organization ....


- Net.Office Cloud Commerce Check-out checkout use Pay Pal - Click photo see bigger
- Net.Office Cloud Commerce Look & Feel Tool lets you change website Look & Feel, such as:
Website Background color ( light blue = red or any color, or a wallpaper ), or Site Background color ( dark blue = green), or Text Color ( white = black) ... You can change & select different Top Menu Navigation, Left Menu Navigation ...


- Net.Office Cloud Commerce automatically loads all customer registration data, such as: Name, Address, Phone, Email .. +  Items sold to Pay Pal Shopping Cart. -> Customer just enters credit card and pay.
- Customers don't need PayPal account, or setup Pay Pal account or Login PayPal, forget password.

- Pay Pal takes care all money transactions safe & secure.  No worries. Sell all over the world.
=> If used Pay Pal like above,
website Seller don't keep, don't know customer credit card number. There are customers don't care. But there are customers don't want website Sellers ( of usually Home Business, Small Business, Start-up business ) know & keep their Credit Card number. Thus sell less.
- We program Net.Office Cloud Commerce do that. Made simple & easy for Sellers & Buyers.
 

May, 2017.
- Few notes: - The author wrote this Blog because he received a lot email from people inside country, in Toronto, in other big cities, young people, people around the world, international students, immigrants, refugees, interested him, who lives as middle class in big city for 20 years, from poor to middle class. Tell story. Write about Life in big industrialized City like Toronto, 3rd largest City in US & Canada. How he goes thru and became middle class. So that one day, they may live in big city like him. People want to know stories about Life In Big City, Toronto. Easy said than done. What are barriers, challenges? Ask Q/A, which doesn't have enough in a Blog to tell 20 years of Life Experience from started poor to middle class.

- He came from Middle Class family, who was gold smith store business owner. It was closed decades ago. Self started his life from poor to middle class, so he understood. He is non biases, in neutral as a scientist.

- A lot people, some cultures, immigrants are afraid saying they are middle class, because people hate, jealousy, unconscious bias.

- What are narrow minded, out of touch, and unconscious bias to Middle Class? -> Middle class has Home Rich, so they are rich, don't need any help, opportunity. They are self sufficient.
In new recent statistic, 65% - 70% Middle Class live pay cheque per pay cheque. Why? We already explain in Blog.- Middle Class has a lot (household) debt, a lot of responsibilities, bills, mortgage to pay. Home price up or down -> Not concerned. Need a Home to Live. They need opportunity, job, so that they can continue pay bills, pay mortgage.

-> Why a lot of immigrant family work in manufacture still can afford live in Home in Toronto? - Not all, each situation is different. Need Data Analytics + Understand Life Experience.?

-> Why alot Immigrants work hard -> In Middle Class. But a lot immigrants, refugees work hard but still Working Poor ? -> What do they spend the most all their saving money? - Blame on Life Style.

-> A lot people don't know that get in middle class buy home not just 25 years pay mortgage, but need at least 10 years saving 20% for home deposit. - Today, how long many years of saving get you in Middle Class?

-> Why businesses ignore improving
Productivity, Efficiency, Automation until they face challenges? - People change mindset when facing challenges.

-> Why Toronto has the most stable, efficient immigrants than any industrialized cities in the world ? - Why immigrants wanted to live in Toronto?

-> Why Scientists wanted to design & architect a city like Toronto need to live in people in the city,
understand their living, social activities, in their shoes at least 10 years?

-> Why most immigrants live in industrialized cities like Toronto found
very different experience, harder than they though back their country? - But ask them, the majority immigrants want to live here than in their old country. Why?

-> Why big funding for Scientific Research & Development should be inclusive more Minority Scientists, more Minority Start-ups ?
- Very small Minority Start-ups get funding - Most VC funding, Public funding go to other Groups. In Toronto Minority population more than 50%, but small Minority Scientists' Representation, for example, less than 9% Asian decent College Professors, while increasing more minority non-white students correlation to 55% population of ethnic diversity in Toronto. Scientific Research Funding should open opportunity to
Minority Scientists for doing Research.

-> NOTE: We avoid to answer these questions, be neutral. Let you find out yourselves. - People like reading our Blog because it is not sugar coating, open and honest, a lot of data.

=> For me,
as a Canadian, I proud to identify as self-made middle class Toronto, since I was 20s starting my life with 0.0$ in Toronto. It is not because home rich, but because I was born in Middle Class family. ** When I travelled abroad, people said want to go to Canada, because it is prosperity than US, other G7 Industrialized Countries, because it is country of majority Middle Class. **  Immigrants want to go country that is prosperous - I support Social Programs for people in need. One day, you could lost health, lost job, lost income, lost opportunity. I live in Middle Class in big industrial city like Toronto for near 20 years, on average, a middle class single or couple, contributed appx 1/2 millions taxes to society.

=>
Someone asked me:- You are in Middle Class. You have your career as Scientist, Professor. Why you care about inequality ?
-
In Toronto, 20% people in Middle Class, not just me. Any classes, Upper Class, Middle Class, Working Class, all classes need to make ends meets. The Upper Class supper rich don't pay Mortgage because already own Home. The Working Class doesn't have Home Expensive that takes 2/3 of their Income. Thus only the Middle Class that has Home Expensive, and Responsibilities.
-
Inequality is about Equality, Opportunity, Non-unfair Bias. Inequality can happen to anyone, to any classes, to any gender.
-
For example, Improve Inequality for Minority. Regardless if that person of minority in middle class or not.
-
For example, Improve Inequality in Gender. Regardless if there are women in middle class, own Home or not is irrelevant.
-
For example, As a Scientist of Minority, I see a lot of Inequality, not fair. So I want to address this issue as a citizen if it can improve better.
-
You need to address issues so that people, organization, company don't wear your shoes to understand, and improve better.
 


- Is Data questionable? -
TVO is a public Broadcasting. So Data is very accuracy.

- Is it Toronto the segregated City, Middle Class erosion? - What can be done, improve?


 


- Investors, specially Chinese Investors, buy homes in Toronto
( Canadian of Ethnicity > 50% population. ), Vancouver ( Ethnicity more than 50%. Majority of Ethnicity is Chinese ), where ave Home Price more than 1 million dollars, return big money in Housing not seen in US.

Immigrants want to become Middle Class in Canada, where there are
open Policy to Immigrants, peaceful country, free Health Care, free Hospital, free High School Education, good funding for College & University. Not all immigrants come to Canada are rich. Many of them came no money -> In the beginning, started working in factory. See in the Blog How Vietnamese Immigrants came to Canada in 80s, 90s, and How they live. The majority of immigrants coming Canada from Asia. In Toronto,
 70% Ethnicity are of Asian ancestry. Ethnicity has population more than 100,000, such as, Indian, Indian decent, Chinese, Korean, Japanese, Vietnamese, Philippines. There are more than 100 different countries & languages live in Toronto. 9% Blacks in Toronto.
 
Toronto population made up by approximately 53% - 55% Canadian of Ethnic decent, born outside Canada, and only in Toronto, not seen any City in the world.

Under the Charter of Rights and Freedoms, all citizens are equal to same rights and same equality, either you are Ethnic Minority, or Women, LGBT, rich, poor, white, black, yellow, brown.

Many of Canadian of Ethnicity become Middle Class, Scientists, small Businesses Owners, CEOs ... contribute a lot to society, contribute to Toronto 350 billions dollars GDP, spreading its influence, its impact over Canada. -> It is the people, the citizens, the population, that makes the City, what ever City in the world.

A Middle Class Toronto in 55% Group smile:
- I have contributed approximately
1/2 millions in taxes as Middle Class because of Home Expensive took 1/2 of Income. Other Class don't have Home Expensive.  - My taxes help pay for Student Benefits, Child Benefits, Social Benefits, paid for Services, Community Safety... of Local Municipality, City. Exhaustion.
People said - Home is a heavy load, debt, no fun, a lot of responsibilities, no benefits.
-> But you choose Pay Rent of Pay Mortgage. No other choice. Pay Rent you lost, have nothing. Pay mortgage you have Home.
No Home, after 25, 30 years working hard, you have Nothing. That Home will continue next generation. Which made a whole difference for you, your children. On average in 5 years, Rent cost 150,000$ for 3-bedrooms in big city. A person said:- I listen wrong people said Rent better than Home. So I didn't buy Home when Home was cheap. What a dumb! Thanks scientist for good advice.
NOTE: We give advice. Don't get paid for. There are people hate it, and people love it. If work for you, take it.
-> Read Sept / 2016 Blog about ave Middle Class Contribution just for educating & understanding. Use data, not just saying. Click here.

How can we represent and reflect the population in society?
-> We talk about inclusive. Here are 2 steps.

Step1: Understand the most population in Toronto is the 53% - 55% Canadian born outside Canada. -> And this population keeps increasing every years in Toronto.

- The Majority of this Group is not New Comers, not new Immigrants. They are Canadian, who live here for decades, population accumulated, educated here, became Middle Class, Doctors, Engineers, Teachers, Scientists, Business Owners... Their story reflects Toronto, which is the City of Generations of Immigrants, before and after, Come here -> Build the City.

 

Looking thru TV,
people don't see this Group reflects on TV. Their stories, their faces are exclusive from mainstream society
.

Step 2: - A City that works for every one.  Inclusive more Ethic Minority, the 53% - 55% Canadian of Toronto population. Can't ignore them as the outsiders, not mainstream, while this population is 53% - 55%. -> Living in the Community, people know that this population increasingly goes to vote than before. Make a difference for the winner Party of a majority or a minority.

=>
This Group represents more than 50% of Toronto population. They are the Citizens, the Voters, the Tax Payers, the Workers, the Producers, the Customers, the Consumers of your company Products & Services. Which helps create jobs. Increase GDP of Toronto City, 1st class big Industrialized City in the world. That's why Vancouver, Toronto Home reflects the best value, no jealousy. Their Taxes contribute to all kinds of services. -> We should include this Group 53% - 55% of Population some fairness Contribution, and Presentation in Public Institutions & Private Institutions.

What are biases about this Group?
- This Group has been viewed as: Different culture, not Mainstream, Invisible ... Recently, few incidents:
- A woman at Medical Clinic demanded a "White Doctor" - She asks to see a doctor who, she said: “doesn’t have brown teeth” and “speaks English.” She didn't want to see a South Asian Doctor. ->
She preferred to white Doctor.  (June, 2017)
See video: http://www.msn.com/en-ca/news/canada/womans-rant-for-white-doctor-caught-on-video/ar-BBCXCDg?li=AAggNb9&ocid=mailsignout

People in Toronto condemned and calling her behaviour unacceptable and racist. - The Primer of Province said:- This is racism should not condone.

-> This racism could happen any Professionals, any Where, in Offices, in Schools. It could happen
hidden behind door, not fair, not transparency. You are a Canadian but being treated different. Your application is reviewed by someone like the woman in Medical Clinic?
- The Ontario Human Rights Code states all those who provide services in the province are entitled to do so free from discrimination.
- Toronto is the model of multi culture in the world.
A City that works for every one.

NOTE:
More than 6 millions people different backgrounds in Toronto interact, live, work together every day. These only small incidents should not copy cat -> Should not happen at work. You could be fired.
.


- In 2015, Toronto population is made up approx 53% - 55% Canadian of Ethnic decent, born outside Canada. Data does not include 2016, 2017.

The Majority of this Group is not New Comers, new Immigrants. They are Canadian, who live here for decades, population accumulated, educated here, became Middle Class, Doctors, Engineers, Teachers, Scientists, Business Owners ... They contributes to success of Toronto GDP 350 billions dollars, rank 3rd city in Canada & US.

-
All sources said more than half (50%) Toronto population born outside, happen only in Toronto, Vancouver. Unlike the fall of Property is happening in many big Cities in Asian Countries, erasing a lot of wealth, ripple effect their City. In Toronto, Vancouver, the value of the City reflects in Home. Which has the best value than any Cities in Canada, than alot Industrialized Cities in the world.  Toronto is good peaceful place to live, attract people around the world.
 

- A City that works for every one -> But, this doesn't reflect nor represent in society, in public Institution & private Institutions.

- How? 1) Understand the most population 53% - 55% Canadian in Toronto, fast increasing.

It is Benefits for every one,
because the success of the City depends on its population. To sell Products & Services should be inclusive 100% population. -> Know customers.

- Like Software Design: - Design work for Laptop only is Design for 30% of Users. Design work for all devices: - Laptop, Tablet ( iPad, Android, Windows ) , Smartphone ( iPad, Android ) is Design work for 100% of Users.

2) Reflect and represent the most population in fairness in society.


A Canadian in Toronto:-  I live in Toronto for many decades. - In many offices of Public Institutions & Private Institutions, where I worked or visited. I was surprised that I looked around offices, in office, I didn't see or a few Canadian in the Group make-up 53% - 55% Toronto population. A lot of them live here for decades, educated here. This doesn't make sense.


NOTE: As Scientists, we use data make unconscious became conscious, cognitive processing. It is not reflect their views.
-> As a citizen, a lot of Computer Scientists want to solve Social Problems, not just Business Problems. Data = The reality. We use Data help & educate people.
 

- A middle class Toronto man for 20 years said: .
-
Majority Ethnic Immigrants Working Class work hard, try very hard get in middle class, specially immigrants came after 2000s. Not all immigrants come rich, a lot come with no money (0.0$). Benefits for Canada having Immigrants come in Toronto, where powerhouse, biggest
Manufacture Hub produced near 60% of all Manufacture Products, Goods in Canada, and downtown Toronto is Banks, Financial Center Hub of Canada. Both hubs contribute to Toronto's GDP 350 Billions dollars, spreading over Canada. Toronto population is 6.6 millions. - Recently, a lot immigrants from Indian, South Asian, Philippine, Africa, Middle East, Eastern European work in Manufacture. Immigrants also run more small businesses. - So to maintain BIG, Toronto needs more immigrants as Workers and Consumers. - After 4 - 6 years physically residence as permanent residents, immigrants need to apply to become Canadian, even marry a Canadian.

NOTE:
Kitchener- Waterloo, hi-tech hub, start-ups, Waterloo University, Black Berry, Nortel, GDP = 27.5 Billion Dollars -To grow like Toronto, this region should open to more diversity. Start-ups should move in Toronto, where huge economic activities GDP 350B, big population, a lot of businesses, specially small businesses from ethnic Canadian.- Ottawa capital, GDP = 58 Billions.
-
Not What You Know, But Who You Know. People don't know much but got job, working much longer. Which will not attract Talents. - Only 10% Professors from Minority, while > 45% are ethnic students. Big funding for Scientific Research & Development should be inclusive more Minority Scientists, Minority Start-ups.

- For example, To design policy, Modernize city, Immigration issues, Middle Class... need scientist who live in big Industrialized country, poor into middle class at least 10 years. So that he/ she can give you different ideas. If you are a middle class Scientist, a Professor, don't have Life Experience, your mindset design lack of experience, analyze data without soul, thus no good, out of touch reality.

-> A Professor teaching Data Analytics, Design, Implementation, and Management, and Design & Implement & Manage Oracle Management Information System, and ** Build Software Analyze Data **, which has the ability to Process and Analyze Data, and Use SQL Database Programming to analyze simple & complex Data from back-end Database Server like MySQL, Oracle. See 100 Case Study of Database System Design. He said:- Data is Brain, Soul is Heart. To solve problems, need Brain + Heart. Data is easy, Heart is hard. Change mindset is hard. To Interpret Data, Data can't Stand alone, but each Data has the Relationship, the Cause, the Reason behind of that Data. Scientist can see problems in different Angles, different Relationships, different Views. Data Computer Scientist is not just Analyze Data, but also Architect Data, Build the Relationship of Data in to different Data Set, so that Solve problems properly.

-> Why today in Toronto Middle Class only 20%, a drop from 66% in 70s, 80s?

- Why Toronto 3rd city in US & Canada, Vancouver 3rd in Canada, that have ave Home Price over 1 millions dollars,
only 2 big industrialized Cities in the world have Ethnicity more than 50% Population?
->
Name 3 main factors

-
Why Toronto's GDP = 350 Billions, population only 6.7 millions, but GDP bigger than GDP of Malaysia, Egypt, Ireland, Israel, Philippine, Singapore, Hong Kong, South Africa, Denmark, Finland, Portugal, Bangladesh, New Zealand, Greece.

Among G7 Industrialized Countries,
Canada is still the best place to live, best Health Care & Education, compared to Europe &  US. - Canada Social Programs, Social Benefits, like Child Benefits, are generous.
For example, in other countries, Sickness makes you poor. Education is not free.
- In Canada, free health care, free hospital, free doctor.
- Good Student Benefits -> Students in College, University don't pay back student loan until get job more than 30,000$ / years. Always free tuition fee school from grade1-12.
 

Middle Class Toronto approximately 20% Toronto population.
Dropped from 80% decades ago. Is Toronto Middle Class erosion?

In 70s, 80s, 66%
population in Toronto was Middle Class. In 2005, less than 1/3, appx 29% are Middle Class.
Due to Housing increases, and big recession from Financial Crisis in 2008, today 2017, that number may drop to
20% of Middle Class of Toronto population. But 20% of Middle Class in big City Toronto, where ave Home Price 1 millions dollars is a City of prosperity. After Vancouver, Toronto, few industrialized Cities in the world had Ave Home 1 million dollars.


- What is the contribution of Middle Class in a country?
->
Need help middle class continue middle class. Prevent Middle Class erosion.

- What measures should we do to help & bottom up Middle Class?
 
- Why need support for a strong Middle Class Foundation?

- Why on average, a Middle Class, single or couple, 20 years contributed
1/2 millions in taxes in society?

- Why without Middle Class, City, Local Municipality, Community Safety, Garbage Collection, Bus Transportation, City, Municipality Services ... can't run ?

- What happens a weak Middle Class Foundation? - What happens to society?
-> Mexico GDP appx 1.1 trillions dollars Economy, but a lot people 85% in poverty. More than 10% of Mexico escape to US find better life.

- Why people complain about others buy Home, about house price?

-> It is about Life Style, Culture, and Money.
- One person said:-  Blame on my Life Style. What ever Price, I am still not interested in Home. Like invest in Stock, like travel. Don't like to pay Mortgage. Don't have money for Home. But like complain Home Price. Home is not privileged, but a result of hardwork, hardship of 12 years Saving + 25 years Pay Mortgage. I learned from Middle Class Home owners, who work hard every day for their dream. You need to wear their shoe to understand how much hardwork they work for their Home Dream.
Without Middle Class Home Owners pay Property Tax, we will not have all kinds of services, City, Municipality can't run.

Culture: - For example,
some culture, people in Toronto like to live in Condos, Townhouse, not buy home, while Chinese, Vietnamese like live in Home. - Millenniums are not saving, play stock, mobile, not interested buy Home, but car, travel. Many of them now regret, begin saving to buy Home, better future.

- A middle class man said
:- I live in big city, move in/ out at least 5 different high rise Condos/ Apt. No good, not safe, dirty, rent up, smell, upper apartment made noise, move chair, drop stuff, onto my below apt, children jump, mix with all kind of people. No good to raise children. Same as hearing from people live in Community Housing even worst. I also live by rent Basement, loud music, yell their kids, swear, smoke, their bad kids, husband and wife arguing ... No good life. Live in House is the best.

- Why a Middle Class in Toronto working in factory, in middle class 20 years ago, still get by in Middle Class. But today a mid income
60,000$ hardly to get in, will take 20 years, high income 100K salary work hard in 10 years just to get in Middle Class in Toronto? - WHY? -> Use data.
NOTE: Using Data, scientists are able to show, explain people that they can't see, can't understand in traditional ways.

-> Get in Middle Class. In Blog, we show data from US, Business Insider, that, a Home in San Diego, ave price 589,000$, need 108,000$ income salary. WHY? -> Use data. Thus Home in Toronto, ave Price = 1,000,000$ -> How much salary needed to live in? > Use data.

- Why Toronto, Vancouver that have ave Home Price over 1 millions dollars, and only 2 big Cities in the world that have Ethnicity more than 50% of Population? - What made Home Price in Toronto goes up? - Name 3 main factors. - Foreign Buyers is 1 main factor. - What are other 2 main factors?

- Is it true Middle Class erosion or only happen in big city like Toronto or something else?
-> Ave Home in Vancouver, Toronto is 1 million dollars, while the rest of Canada is 550,000$.

- Why are issues the Middle Class concern, in need the most ?
-> Need Job and Opportunity to continue pay bills, pay mortgage.
 
- Why to solve problems, we need Middle Class Scientists go thru poor
0.0$ -> middle class. - Most of time, people solve problems, policy using their mindset, philosophy, emotion, unconscious biases than using Data Analytics, Cognitive processing.

- Why there is drop of Middle Class? - Home Price is a factor.
What are other factors?
- For example, today in Toronto, ave Family Home 1.2 million dollars. This will take a person salary high income = 100,000$ in 10 years, -OR-, salary 60,000$ in 20 years, no lay off, after pay all Living Expensive, Rent (1 bed room safe & secure Condos / Apt ave = 1500$ - 2000$), Car Expensive, Income Tax, saving = 20% of 1.2 millions = 250,000$ for just a deposit to Get Started in Middle Class, buy 1.2 m Family Home.
-
Even big City country in Asia, 1-bed room apt = 1700 usd $ / m. 1-single Room, ave Rent = 350$ usd/m. In Canada, Toronto a single room, inc utility, ave = 380$ / m. Rent expensive no matter where. This Rental adv from a big city in Asia country.

-
Toronto is tough, but not expensive to live, unless buy home.

- Big gap in inequality - Toronto is best City to live. The problem is big gap inequality. Good job, good opportunity go to the Privileges, good Connection, good Networking, good Relationship.
-> Is there a racial component? And what can be done?

- Canadian Government's Cabinet of Ministers made up by 50% of Women and Minority Ministers. But don't see this in Public sector, Private sector in Toronto. -> US has 2 terms Black President, while Blacks only 13% of population.

-
This is not vision of inclusive society - A City that works for every one - Need improve inequality, equal opportunity, inclusive more Minority. How can be done? - Simple. Be inclusive, reflect and represent population.
 

To solve the problems.
We need people who live
Life Experience ups & downs, through poor  in middle class in industrialized big City, so that understand Poor & Middle Class, and good Data Analytics with Scientist background. Research Scientists do research, analyze data, but grow up in Middle Class, not go through life experience of poor to middle class, ups/ downs, will not understand issues completely, had mindset differently, unconscious biases, out of touch reality, very different with schools.
-
Pres. Trump and Pres. Obama had different policy, because they came from different Life Experience, Environment. Pres. Obama grew up in middle class family, while Pres. Trump grew up in upper class family. -> Which helps shape mindset, believe, philosophy, policy.
- Software Design: - Design work for Laptop only is Design work only for 30% of users. Design work for all devices: - Laptop, Tablet ( iPad, Android, Windows ), Smartphone ( iPhone, Android ) is Design work for 100% of users.  
- CEOs with Technology mindset run business different with CEOs do not. See StarBucks.
 

- It is more complicated world than look thru windows.

- Change mindset. One of solutions is that: - Let's people out of their zone, experience in different Environment, Life Experience. -> Change mindset doesn't mean you become one of them, but your mind opens to differences.

- For example, you live in suburban outside big city, when you move to live in big city, it changes your mindset, a different world with the world you live. The same for organization, company that doesn't open to differences, diversity.

-
Using Data, Computer Scientist can show people see something they can't normally & traditionally see.


How to solve Inequality and inclusive Diversity?

- In recently, we have seen good improvement in inequality for women, and gender equality in leadership high position. See video Inequality Close Gender Gap: http://www.cbc.ca/player/play/982377027888 .
A Toronto man live in City for more 20 years said:- A lot of improvement inequality for women. I saw more than 70% a lot of women working in office, only less represented at the top job, approximately only 20% women in executive position like Board Member, CEO, VP ... However, for minority scientists (STEM) of 53% - 55% in Toronto population don't see improvement. For example, only 5% of Professors came from this group, while approximately 47% students came from minority background. Need improvement.


The Benefits:
- Inequality hurts Business, Organization, and every one. Company lost Talents from different ideas, different backgrounds, because company has same people same ideas, less Comparative, less Competitive, less Innovative.
- Strength lies in differences not in similarities. 
Diverse thinkers with varying perspectives and viewpoints are more likely to find solutions to problems than homogeneous groups of employees
->
Company does business that doesn't reflect 100% of their customers in Communities, in Population. Not effective. Not inclusive.
- Companies that employ workers who identify with a small portion of the market don't have access to the insights, experiences, and worldviews of the entire marketplace.
- More diverse companies win in innovation and outperform their competitors
- Diverse teams are more creative and are better at solving problems
- Companies can spur creativity, insight, and efficiency by creating a mix of thinking styles in the workplace.
- Diverse employees bring their various backgrounds and job experiences to the table and promote effective problem solving and share their knowledge about technology.
- Companies with diverse workforces are openness more attractive to job seekers as a result.
- Cognitive diversity is a critical component of a broader, more productive workplace because organizations hire and promote workers who think differently.
- Companies are in a better position to attract and retain the best talent when they pull from a diverse talent pool.
- Inclusive, diverse workplaces make all employees feel comfortable being themselves because the things that make them different are respected.
- A study completed by Forbes identifies diversity and inclusion in the workplace as a key driver of internal innovation and business growth.
->
Talented people are attractive to work in environments that are diverse, inclusive, freedom of expression, freedom of ideas, and think out of the box
 

1) Use Data.
- Example, we use Data to show and Educate people. Data speaks volume, fact, reality, non-politics, easy understand. Usually, it will take a company few days to compile the report on Diversity.
- Design a Diversity Database Management Information System that can analyze all kinds of Data relating to Diversity. This Diversity Database System will link and collect data from current company's Database Management Information System. This system can tell you how many % of Diversity in 1-click.

2) Improve Inequality % Target.
- Businesses, Corporations, Company receiving Public Funding, Public Sectors, Private Sectors should compile sample of Data of Diversity of Representation in your organization. Such as, my organization made up by 10% Minority ... Then see if it can improve the number better to reflect the Change of Population. This in volunteer for Private Sector, Company does not receiving Public Funding. Company should improve HR to reflect new change of population.
->
Company also needs a Chief Culture Officer, or Chief Diversity Officer like Google.
-> Develop hiring strategies that create a workforce resembling the population in which you operate.

Example from Google Career: -> At Google, we don’t just accept difference - we celebrate it, we support it, and we thrive on it for the benefit of our employees, our products and our community. 
-> Company has its own culture. ->  Google looks for people in differences, not look for people like their culture.

Another example from: - Canadian Government's Cabinet of Ministers made up by 50% of Women and Minority Ministers. It is 2016. It is different with Pres. Trump Cabinet of Ministers made up by Millionaires & Billionaires.
- UK Prime Minister Teresa May :- A country that works for every one.

NOTE: We copy this from UK Prime Minister.

3) Promote Equality and Differences
- Promote people of different backgrounds in Office, in Management. Provide training for HR.
Managers and employees need to recognize that unconscious or implicit bias training does not lead to more inclusivity in the workplace. Leaders who want to promote diversity in the workplace should know percentages relating to the diversity within their company, develop empathy, work to model the whole person when creating policies, practice inclusive meetings, and erase cultural biases within the company

For example, Scientists of Minority should have fair share of opportunity.
-> To prevent situation like the Woman in Medical Clinic insisted to select
other Doctor, not South Asian Doctor, even both is Doctor.
-> Keep in mind that people of different races, ethnicities, and religions communicate differently.

4) Change Mindset.
- This is the hardest challenge. -> Need open mind. One of solutions is that: - Let's people out of their zone, experience in different Environment, Life Experience. Creating a diverse workplace requires being willing to take other perspectives into account and being able to embrace that people are different.


 


May, 2017.


- Home price in Toronto ( not condos, townhouse ), 3rd biggest cities in US & CANADA, as of in April, 2017, is 1.6 millions dollars catching up with Vancouver 1.7 millions dollars. Even suburban outside Toronto, like Markham, Vaughn, Brampton, Mississauga  (see map) now as April, 2017 is 1.24 millions of dollars.

Toronto's Home price ( ave 3-bed rooms home ) became most expensive in big Cities in US & CANADA, even more pricy than US Silicon Valley areas.

A man survival 20 years living in Middle Class in Toronto said: - It is tough living Middle Class in big & expensive city like Toronto, which is more expensive to live than Paris, London, New York, Washington, Tokyo, because of Housing.... Middle Class works hard for a home to live. Stock easy cash out, buy & sell. But home is not. Home price is up / down doesn't matter. People need Job & Opportunity.
- In April 2017, ave Home price is 917,000$. Which include Condos, Townhouse. If take out Condos, Townhouse, Family Home is more Price than ave Home Price = 917,000$.

That's why Family Home 3 -bedroom in Toronto is around 1.6 millions, while Ave Toronto Home is 970,000$

When Housing is more than affordable, it could create many risks for the economy. Since we know that Middle Class who owns Houses. Thus to support a stable Housing is to support a strong Middle Class.

->
One of Solution would be: Universal Basic Income, like Universal Child Benefit, for people regardless social class that lost income because lost job, until they found new Job. Otherwise, there will be erosion in Middle Class. Universal Child Benefits, regardless social class, family small children entitled Child Benefits.

In last few years, a lot people have good income, good opportunity, good job, get in Middle Class. But they don't realize that they could lost Job in next 5 years, and thus can't afford Middle Class Life Style. Most Middle Class People said when it happened, Basic Income will help cover a bit expensive that would help them a lot to live in Home is a place to live, not an investment. - Basic Income will not cover Real-estate Investor & Speculator.

We already know
a fact had happened in Toronto. A small increase on Hydro Bill already had a big impact on mostly Home Owner Middle Class owned over million dollars Home. (This Blog explain why)
Now imagine if Interest goes up, or Stock Market crashed. If you are a middle class, have job now, everything is ok. But you could lost job next few years to live using Credit card, more debt. -> A man survival 20 years middle class in big city Toronto, where living expensive more than in New York, London, Paris... - How long are you in middle class? - You are already 10 years in middle class still not safe, no guarantee.=> We had seen so many people dropped out of middle class after 10 years. It is sad to see their Canada Dream / American Dream gone.

Be honest
, it seems a lot people get some kinds of benefits from Government, either Child Benefits, Student Free Tuition Benefits, Social Assistance Benefits, Senior Benefits .. - Unconsciously bias, people think they are millionaire home rich. So don't need help nor benefits, no opportunity.

For example, Middle Class 2-incomers. When one (either husband or wife) lost income will have impact. So we should help the other Middle Class Incomer could be the husband or wife. This will help support a strong Middle Class Foundation.

- Otherwise, imagine if Interest goes up, or Stock Market crashed ... Could cause Housing Market big problem -> Could cost Economy hundreds of billions dollars. -> Will have a big impact on Middle Class -> Thus on Economy -> Thus on every one. As you know in this Blog, we explain Middle Class is heavy lifting the Economy, contributing, paying benefits, services for us.

-
Do you know that Property Tax (Home Tax) is big main source of revenue for City, Municipal City, Local Government that is used to pay for: Social Benefit Assistance, Policing, Garbage Collection ... all kinds of local & community services.



- It is hard to get in Middle Class if working minimum wage, survival jobs.
Do grade 5 math
,
after you paid living expensive, rent, car insurance, car loan payment, car gas, food, phone, travel, vacation... How much left you save to buy home, get in middle class?
Getting in Middle Class is hard work, responsibility in long road.

- Ask immigrants, Chinese, Korean, Japanese, Italian, Vietnamese, Philippine, European, Jewish, Black, Indian.. came 0.0$, who have been through life experience, overcome barriers, obstacles, inequality, get in middle class. Not easy.

- There is absolutely NO NEED in Middle Class given the reality today.

-> Whoever wants to get in this long hardship road, wish them all the best to achieve their dream. Good luck.

-> In 1970, 66% population in Toronto was Middle Class. In 2005, less than 1/3, appx 29% are Middle Class. Today, due to Housing Expensive, over 1 million dollars, that number may drop to 19% of Toronto population is in Middle Class. Middle Class erosion. That's why a strong middle class, a little bit help for Middle Class is important to keep them in Middle Class.

 


- A long hard road. Every one wants to be rich, millionaire, but wants no hardship, easy way.

-> Middle Class in big Industrialized City like Toronto, is tough, long hardwork, hardship road, much tougher than New York, London, Paris, Toronto Home over 1 millions dollars. ...

->
The rich, majority of the middle class in Toronto are Whites, big gap inequality.- Although over 50% Toronto population are immigrant, minority.
 


-> Can you explain why, Middle Class 20 years still in debt?
- If you take Home away from a Middle Class, they are like Working Class. All life saving investment in home, working hard for many years long road is paid for Home, no saving. In debt, because of Middle Class life style much more expensive than Working Class. A working class after paid Living Expensive, can have 1000$ for fun, beers, smoking, for saving. But a middle class can't. That 1000$ is paid for Home expensive. They use credit card to live, self sufficient, when lost income, in difficulties. -> On average in 20 years, a Middle Class contributes 1/2 millions for all kinds of Taxes, such as, Property Tax, Income Tax, Sales Tax...

 


-> In few sentences, could you describe Middle Class?
- We talk about Middle Class not because they own a million dollars Home, but because they are working people, keep working hard, pay mortgage, pay bills, main working force heavy lifting the economy. They contribute 65% of GDP as Consumer Spending. Create 2/3 Jobs. Why? Because of their spending, like, pay bills, mortgage, pay Property Tax, other Taxes, buy things, businesses big, medium, small can survival, hire people, create jobs. -> Businesses can't run business without Consumers. - And they produce 70% of Goods & Services as workers. -> Businesses can't run business without Workers.
Middle Class
is also main contributors to pay for
Benefits, like Child Benefits, Social Benefits, Senior Benefits, and for Services, like: Policing, Garbage, Child Care, City, Municipals... of a country.

- What are benefits Get in Middle Class?
- Middle Class pay mortgage, after that mortgage reduced gradually less than rent. Then they own Home worth a lot of money + Free Rent + Saving a lot of money, 10 years = 360,000$ from renting, 3-bed rooms apx 2900$ / month, in big city rent very expensive. - While Working Class keep pay rent all their life. Every 10 years lost 360,000$. Rent keeps going ups. Until their Children continue pay Rent, no better life. 1/2 income for rent + No Home to Live.


Why Middle Class work hard? Because of Home, mortgage. How long? - More or less 40 years = 15 years work hard for a deposit to buy Home + 25 years work hard to pay mortgage. Without Home, no one wants to work hard. Home is the reward for Middle Class because they work hard all their life for Home, on the long road. -> Not jealous, not narrow minded, no hate, no bias if they own 1 million dollars Home.

- Hope few sentences help people understand.
Business Leaders, even Middle Class people, still don't understand Middle Class's role & contribution to society, to a country. Middle Class inclusive: White, Black, Yellow, Brown, Factory Workers, Office Workers, Teachers, Scientists, Professionals ... A center in politics.


- Middle Class is different with Real Estate Speculators, who don't live in Home, pay bills, pay mortgage, have some one else work hard for their Home, made profit. This is not Middle Class, not Work Hard -> Reward. Scientist knows this trick, warning: - Very risky, not recommended. US Housing Bubble because of Real Estate Speculators. A Home to Live is the best Return.

- What are benefits Get in Middle Class?
-
Middle Class pay mortgage, after for a while long time, more than 10 years, that mortgage reduced gradually less than rent to free rent. In 10 years, save Rent, reduce rent = 300,000$. Then own Free Home + Free Rent  + Freedom -> While others continue pay Rent keeps go ups in City. In 10 years, lost Rent = 300,000$ / 10 years - or - 30,000$ / year for 3-bed rooms 2500$ / month, cheap. 2500$ / m = Net Income 40K Salary, after Income Tax, waste for Rent.-> For the rest of their life, their children Continue Renting, lost money.

** Live in any country **, you choose either Pay Mortgage. In Middle Class 25 years of Life -> Work hard -> Own Home.
 <-- OR -->
- Pay Rent all your life.
In 60 years of Life. Starting Life from 25 years old Work hard -> Own Nothing

-
Which one better? -> Scientist advised reality, not false sugar coating, so that better prepare. => Today, people live at least 85 years, even in under-develop countries. Middle Class suffers 25 years, enjoys the rest of life: Free Home + Free Rent + Freedom. 1) Free Home = Own a Home worth 1 millions dollars. 2) Free Rent = 40K Income / year + Rental Income. 3) Freedom = Travel any time, any where. So much fun. - While others continue hard life in 60 years of life to 85 years old.

- One person said:- This no sugar coating analytic helps me a lot. Wake up call. I wish learn this long ago. Back then just in early 2000, people advised Rent better than Home. If understand this, I would jump in Middle Class long time ago when 20s, 30s. My life style was travel, fun, not in Home, no saving. Millenniums don't embrace saving. Today, harder In Middle Class. Blame me. But start saving now. Thanks!

- Global Population increases, Globalization, Immigration ->
More people in City make ends meet -> No mater where you live, no matter Home Price ups/ downs, Rent continue go ups.



 


 





NOTE: Suburban (905) phone area code nearby inside Toronto like: Markham, Mississauga, Brampton, Vaughan => See map. North York Toronto (North Toronto), Downtown Toronto inside Toronto, North York is a secondary economic hub Toronto, after Downtown Toronto. As May, 2017, Family Home in North York, and near York University area, 3rd largest University in Canada, where huge International Students study, ave price over 1 millions dollars, a little bit increase from April, 2017, not big increase like in last few months. Only Toronto, its suburban had increased. The rest Housing Market in Canada see a decrease.

- Vancouver, Housing rising from few hundreds -> millions dollars long time ago, started since 2000, home price appx 350,000 $ -> 1.7 million dollars in 2017. People have been saying Housing Bubble in Vancouver long time ago since 2001, many 15 years ago, but never happen. - During this period 2000 -> 2017, stock crashed 2 times, recession 2 times. During huge big crashed Housing Bubble in 2008, it dropped 13% - 15% from 750,000$ -> 650,000$ at 2009 -> Then keep rising strong to 1.7 millions.

- A lot people waiting since 2001 for price drop jump in, but keep rising or stand still.

- Vancouver is not that big city, big economy, big population like Toronto's GDP 360 B.

- To be a middle class home owner in big city Toronto is not that simple.
Home Owner Middle Class is a working class work hard for Home
, a lot stress, a lot ups & downs, hard work, no fun, no help, 9-5 job. It is not like sitting at home, play & trade stock. -> Keep working, pay bills, pay mortgage at least 25 years. -> We need sympathize & understand middle class home owner .

For example, you are working class, after paid every thing living expensive, you got 1000$ / month extra for fun, travel, drink, smoke, entertainment, saving .. But when become a middle class home owner, that 1000$ for fun no more, gone. -> All money in the home like piggy bank, and pay for Utility, Water, Heat, Home Insurance, Home Maintenance, Property Tax, Bank Mortgage ... So that extra 1000$ is small in home. -> Now we understand why Middle Class in Toronto, own over millions dollars home, just a little bit increase on Hydro bill can have impact on them. -> On average, a Home Hydro bill = 300$ / month in Toronto, Home Insurance = 125$ /m -> are smallest bills of many Home bills. Big bills are: Property Tax, Bank Mortgage..

- A middle class man said:-
Since in middle class, I stop having beers, smoking. I take a part-time Professor teaching job outside the city. I Bus traveled 2 hours each, 4 hrs / day back & forth. Each bus one-way ticket cost 12$, or 25$ / day back & forth. There is day I get up early 5am, catch a bus in the morning for class 8am. There is day I traveled 4 hours go to work for only 2 hour from 4pm -> 6pm.
- There are people complain about home price, home ownership, but they spend, have fun too much. Travel, vacation every year. Will you want to keep working for 25 years or more?
- There are people less than 10 years in middle class, think they are millions dollars rich, just want to spend, relax, lavish life style, have fun like big.

-> Middle Class Home Owner is very different with Real estate Investors, Speculations, who bough home and rent out for profit. Buy & Sell home. Never live in home. Most Real-estate Investors, Speculators buy home with very long contract to reduce monthly mortgage, and small deposit down payment.
They don't live in home to pay bills & mortgage like Middle Class Home Owners. Rent cheaper for them. So they renovate their home 3-bed rooms into 7-8 bed rooms, main floor = 5 bed rooms, basement = 3 bed rooms, to rent out. Have others pay rent. A home to live is the best return. A lot of risks, like Interest goes up, double Home Expensive, Pay Tax on Rental Income, Pay double Property Tax, Landlord - Tenants Relationship Problems when bad Tenants in home, smoking, drinking, party ... If Tenants don't pay rent, can't expel them right away. Collect rent is a nightmare, Double leverage Debt to finance 2xhomes (= very risky).

Have 1 x Home or 3 x Homes better?
Few notes: A Scientist does research help people understand. It doesn't reflect his view or anything.
-
Self made Middle Class who work hard, get in Middle Class from 0.0$. While there are others get in Middle Class in different ways.


=> A Computer Scientist asks: - Assume you bought a home long time ago. Now, you sell that home. You can afford to buy not 2, but 3 x family homes, each home = 1 millions dollars. You deposit down payment for 3 x homes. Today, required when buy a home, deposit 20% = 200,000$ for each 1 million dollar home of 3 homes ( not 10% like before Oct, 2016, but 20% ) -> Rent entire 3 x homes -> Sit & wait for next 10 years see very big profit.
=>
Is it very high risks, be careful ? -> If that simple, easy make money, why not Middle Class in Toronto will do that ? - No need in middle class, 9-5 hardwork, pay bills.

- A Scientist did a lot of research, look at History of Housing, analyze data. Then said:- Very dangerous, very risky. Be careful. Focus all resources & Finish pay off 1 x home. -> Have your freedom, free rent, free home. Peace of mind. A Home to Live is the best Return. No need come back in the long road a gain. Why?

- All is about Home Ownership: - When own 3 x homes, huge loan + huge interest + huge triple mortgage + huge triple home bills to pay for so many years
. Before, own 90% of Home, only few years complete the long road, Freedom, Free home, Free rent. Now have 3 x millions dollars homes, but own only 20%, of 3 x homes.
NOTE: Home price can Ups/ Downs. It is all about % of Home Ownership of the Home = How long you pay in (contract) Home - OR - How long you bought the Home. Before Oct, 2016, you can buy a 1-million dollars Home with less 10% = 1000,000$. You can buy 6 x 1 million dollars Home with 10% down payment = 100,000$ each home.

-
Very Dumb! The one has 100,000$ cash + own 10% of 1-million dollars Home is not rich, poorer than the ones own 20% of 1 million dollars Home. Smarter, richer have less $$$ (less spending), but own 20% of 1 millions dollars Home.
-
A lot of people when buying home, have 200,000$, rather buy 1-million dollar Home at 20% down payment, but buy Home at 10%, save cash 100,000$ in bank. Very dumb! -> In 10 years, could cost them hundreds of thousands dollars in Interest Payment for nothing. Many times more than 100,000$ in Bank account. And also, when having 100,000$, they though they are rich (but not), thus spend more, travel, show off, buy brand name.. Thus 100K will quickly gone. - For example, you borrow a big mortgage loan, pay monthly = 4000$. But only 900$ pay in Home, 3100$ / m for Interest Payment. Thus, in 10 years pay = 4000$ x 12 x 10 = 500,000$. But only 100,000$ pay for Home or Principle, 400,000$ pay for Interest. You lost 400,000$. This is big money can live all your life.
NOTE: 1 bedroom apartment now in Toronto is 1950.0$ - 2500$ / month rent.

- For example,
Own 1 millions dollars Home but only 10% -> Thus, less than others own 1-millions Home with 20%. -> A 100,000 $ difference, but will accelerate & save a lot of interest payment, reduce mortgage payment / month in the long road. If you afford 20% buy home, buy 1 x Home with 20%, less debt, less risk, reduce mortgage payment, only 1 home expensive, own home faster, much better than buy 2 x Home each 10%.

- In this example, the one owns 90% of 1 x Home, less debt, more capital than the one owns 3 of millions dollar Homes but only 20% / Home, 2.4 millions in debt payment for Interest + 3 x Home Expensive ( 3x Property Tax, 3 x Hydro bills...). So, do you want to own 1 x Home, near complete the road. Next 10 years profit = 400,000$.  - OR - Own 3 x Homes, start long road ups/downs ahead, 2.4 millions in debt + 3 x Home Expensive.
- Long waiting game, long road again, before, own 90% of Home, complete 90% long hardship road, already took 20 years ups/ dows, obstacles. - But now own only 20% of Home, 20% of long road -> Go back, start 80% of long hard road. No freedom. Could take another 25 years work hard complete. -> Not sure if overcome obstacles of economy, huge mortgage debt, house bubble, interest ups, lost jobs ... could happen in the long hard road. Greedy 3 x homes! When relax? -> And the longer road, the more mortgage payment, the more waste money pay Interest Payment until complete.
-
On ave, mortgage 3-bedroms appx 3500$ / month.

A Free Rent
save, reward: 3500 $ x 12 x 10 years = 420,000$. No more Interest. -> Now enjoy vacation, travel, no worries Rent, Mortgage, Freedom...

NOTE: Data may vary, but give you some ideas, easy to understand than no data.
- Real estate agents just want to sell homes. People want to have home. A lot people buy home, buy multiple homes even less 10%.

- Industrial Middle Class in big expensive City spent at least
1/2 income for Home.

- Middle Class live in home, work hard for home to live, pay bills, pay mortgage, carry debt. A Home to Live not an Investment.

=>
FOR MIDDLE CLASS NOT A QUICK & EASY WAY TO OWN HOME.

A lot middle class man said:- I am from poor, started from 0.0$, facing many barriers, a working class working hard into middle class. I had financial difficulties like any one else. Usually, take 10 years of saving for a deposit buy Home, get in Middle Class. Then from 25 years or more work hard, pay mortgage. Then enjoy Free Home, Free Rent, Freedom. While others work hard all their life, could be 50 years -> Own nothing. Reality.
 

-> On the long road.
- The longer road, the more mortgage payment, more waste money pay Interest Payment. - The shorter road, the less mortgage payment, less interest payment.


- If you manage saving 1000$ / month after pay for all living expensive like Rent, Income Tax, Phone, Loan, Car, Food .

-> It will take you 20 years keep working no laid-off for just deposit 20% buy a home today, and Get Started in Middle Class. By that time, already mid- 40s.
 
- No Home to live, hard sell when in need sell, because rent out 3 x homes maximize rent income. Then Live by Rent somewhere else, in basement of some one else, cheaper. Because basement renting generated more income.
Hard to sell home,
because Home renovated into 8-9 bedrooms (
cost lot $$$ ) like small Hotel, not Home. No living room, no kitchen.

-
Dealing Tenants is not easy. When dealing with tenants, bad tenants in home no good, not pay rent, delayed, property damaged, drinking, smoking, party. Tenants use wasting hydro, water costly. Not easy expel tenants, because Tenants had protection rights. Take few months for a landlord go to court evict a tenant, who didn't pay rent. Thus lost few months thousands of rent income.

-
Very risky when bad time, economy no good, interest up, home price down, housing bubble, will be very risk to lost home, because carry huge loan debt, multiple mortgage payment, multiple interest payment, multiple Home expensive, multiple Home bills.

-
Interest Payment Only. Longer contract. Hardly Pay off Home: - Before own 1 x Home, all money focus on pay off 1 home, thus faster to own home, reduce mortgage, fast reduce rent mortgage payment / month gradually -> Thus faster free rent. - Now own 3 x Homes, all money just barely enough pay for only Interest Payment 3 x Homes for the Banks.

For example, a Home Owner paid 3000 $ / month for mortgage, in 1 year = 36,000$ / years = 360,000$ / 10 years. But, only 60,000$ actually pay for Home, and almost 300,000$ waste nothing, only pay for Bank's Loan Interest Payment. Because low down payment like 10%. - But if increase down payment double to 20%, in 10 years, you pay a lot, and accelerated to 160,000$ for Home ( not 60,000$ ), only 200,000$ waste nothing for Interest ( not 300,000$ like 10% deposit ) -> Thus faster reduce mortgage pay / month -> Faster own home.-> Give some ideas that Interest Payment took almost money pay for Home. => People lost, suffer because Greed & Fear.

=> These are all possibilities may happen must consider before sell Home and become Real Estate Speculators.

=> Looking at data 3 decades from 1987 -> 2017,
whatever economy, few home bubble, few stock crashed, few interest ups, if buy just 1 x Family Home
in 1987-88 = 185,000$, in 1997-98 = 295,000$ -> Today, 2017 worth 1.5 millions dollars + Free rent + Free Home + Freedom.

 

September, 2016 ... December, 2016.

=> To write this Blog, the author tried to make it as simple as possible for an average people to understand, not just for level of college students. He tried to use Data to make it easier to see clearly. He could write few hundreds of pages with in details Data Analytics. But will make users lost interest read such long documents.

=>
The issues are: Grow GDP, grow Economy, the Bottom-ups Economics, the Trickledown Economics, the Policy, Consumer Spending, Home vs. Rent, Understanding the Middle Class in industrialized Countries, its Contribution to Economy & Society, Story of a Middle Class, Immigration, Story of Immigration, Diversity, Home Property ...

=>
The Expectation: After reading this Blog, you will be able to understand: - How to grow GDP & Economy? - How to Reduce Un-Employment? - Understand Middle Class, the main actor in Bottom-up Economics - What is the difference between Bottom-ups Economics vs. Trickledown Economics? - Which Policy is the best policy to improve Economy and Create Jobs? - Who is the main actor in Trickledown Economics? - How to increase GDP for a country, thus stimulate Economic Growth? - Analyze some Data of Middle Class in industrialized countries, give you some ideas about their spending, pay taxes.

- What is the most effective Tax Cut? - For example, send 500$ of Tax Cut or Benefits to 2 person, middle class Dave, and rich John. Dave spent all 500$ for all living expensive, because he has to, in need.
See Let's Define Middle Class's Contribution in this Blog help understand. - While rich John invested 500$ in his Bank Account Portfolio, or Trading Stock. Or do nothing 500$, because he can afford do nothing that 500$. => Who contributes to economy, help create jobs as should be ? - Which Tax Cut used the most effective 500$ ? -> Efficiency saves billions of dollars, stimulate Economy, Create Jobs.

- How Businesses create Jobs? What made them create Jobs? Who creates most Jobs? So that invest right on target more efficient, save Time & Money?
- Understand Middle Class will help architect Bottom-up Economics better, and Design Programs to help Middle Class efficiently thus stimulus Economy, create Jobs.

You be able to explain: - Explain why low GDP, and How to Solve Problems - Explain why Global Economic Slow Growth - Explain what is the difference between Industrialized Middle Class vs. Non Industrialized Middle Class - Explain why Hi-unemployment, and provide solutions for Job Creation fast on right target, save Time & Money. - Explain why the Rich get richer - Explain why a country has high GDP. What conditions, factors ...? How to improve GDP in a country? - Explain why middle class is the most working hard class? What is the reward for middle class?

->
These kinds of issues that Government, Organizations, Businesses paid a lot of money for Consultants, Scientists to solve problems ( Problems Solving ) -> Help save Time & Money.-> Right Policy, efficient Program save billions of dollars.

=>
All is about Problems Solving. To Solve Problems, we need Data Analytics Mindset that came from many years of working, experience, life, training, design. CANDO = Collect Data, Analyze Data, Normalize Data ( = make Data more efficient), Organize Data. Sometimes, to solve problems, to make change, we need to look out-side-the box.

=> Blog Tracking:
We have Technology Tracking Blog. This Blog has been red by over 1.000.000 people around the world, in over 100 countries.

=>
Hope help people understand most common issues of our lives.
 


Update latest Home Price Data to latest in April, 2017 in Toronto for this blog. Since then has changed so much.
 
- In April 2017, ave Home price is 917,000$. Which include Condos, Townhouse. If take out Condos, Townhouse, Family Home is more Price than ave Home Price = 917,000$.
That's why Family Home 3 -bedroom in Toronto is around 1.6 millions, while Ave Toronto Home is 917,000$



.




Suburban (905) phone area code nearby inside Toronto like: Markham, Mississauga, Brampton, Vaughan => See map. North York Toronto (North Toronto), Downtown Toronto inside Toronto, North York is a secondary economic hub Toronto, after Downtown Toronto.


Grow GDP, Grow Economy


- GDP = Gross Domestic Product - GDP measures the monetary value of final goods and services produced in a country. GDP also includes Net (Export - Import) $$$.
- GDP = Size of the Economy. GDP is the only tool to measure the size, the health, the growth of economy.

In Canada, on avg 158,000 jobs/ year ( in 2015 ) created, 36.5 millions people, in approximately GDP 1.7 trillions economy.
In US created on avg 1.75 millions jobs / year, around 322 millions people population, in approximately GDP 17.5 trillions economy.
In South Korea GDP = apx 1.3 trillions, population = 51 millions.
- NOTE:
The data of Jobs created, GDP can change.

Framework: What main factors contribute to increase GDP, grow the Economy?
=> Infrastructure, Technology, Population, Consumer, Business, Government main contribute factors to GDP.

- Infrastructure = Help move, transport Products & Services, Workers faster, efficiently.
-> Thus helps move & produce Products & Services faster to consumers on demand -> Thus helps Businesses produce more goods & services. Inventory efficiency, less goods in warehouse, move faster to Consumers consume. -> Increase GDP -> Grow Economy.
+ Help consumers Consume products & services faster -> Thus produce more products & services -> Increase GDP -> Grow Economy.
+ Help Workers move faster, easier from Home to Work -> Thus helps produce more Products & Services. -> Increase GDP -> Grow Economy.
+ Other helps, like improve Living Standards, Pleasure, Travel, City expansion to Suburban. Such, as, People move, travel from A -> B, City -> Suburban more efficiency, less hours, less congestion ...
=> But Infrastructure's helps three main factors: Products & Services, Consumers, and Workers -> Which will help produce & consume more Products & Services => Thus help increase GDP.
=> That's why Invest in Infrastructure always best Return On Investment.
Specially for Under-Development countries.

-
Technology = Industrialized, Innovation, R&D ( Research & Development ), Modernize, efficiency, max production, max productivity. Thus helps produce more products & services. Maximize production -> Industrialized Countries.

-
Population  = Consumer, Producer, Labour, Human Capital.
=> Because Population -> more Consumers, more Producers, more Labour Workers, more Human Capital.
Population is the main factor contribute to Consumer Spending.
-
Human Capital = people more money in pocket -> spend & consume more products & services -> Help businesses Grow -> Create jobs, Govt more revenue -> People have money to spend = Human Capital.
- Immigration increase Population, specially when population has more seniors -> More consumers spending, more producers products & services.
- Good Labour 's wage -> Good Human Capital  -> Good for GDP. For example, China had triple average wage 3 times in 10 years from 2006 -> 2016. As a result, Business expansion, GDP grow approximately 3 times as well.
=> Thus, invest in Infrastructure, Technology, Population will increase GDP, and help economy.

=>
Government Investment, Spending is another important factor ( Fiscal Policy ).

=>
Interest Rate, Monetary Policy is another important factor. It is used mainly to control Inflation, a important tool for Monetary Policy by Central Bank. It is for the Bank Policy.

=>
Business Investment is another important factor, but for the Business. Gov can't ask business to invest. But Gov can create good condition for Business.

=> As we will learn that
Consumer Spending is the most important factor helps Grow GDP ( 2/3 ) , grow Economy ( 2/3 ), grow Jobs Creation ( 2/3 ). It is accountable for 2/3 of Grow of Jobs, Grow of  GDP, Grow of Economy.
 -> So what are factors to help Consumer Spending? - Read this Blog.
( Hint: Who are are main actors, main force of driving Consumer Spending ? )
-> Can you explain why Consumer Spending is most important factor in Grow GDP, Grow Economy ?


-> Since
2/3 of Economy, 2/3 of Job Creation, 2/3 of GDP created by Consumer Spending. - Can you explain what is the remain 1/3 of Economy created by What: ?
- If you try to answer these questions, you will understand more.

-> Why different Scientists, different Politicians, different Economists had different view of Economy like Politics ?

Why Government Spending is good in bad time? - Because Government Spending will increase GDP, thus help Economy Growth.
-> Government will get back nearly 2/3 of its money spending through tax, capital gain + Focus on grow. Help economy grow + Reduce Unemployment Rate + Increase GDP. Good for economy.

 
- Gov spend & invest in jobs creation, infrastructure... Eventually, not only Gov will get nearly 2/3 of its money spending back, but also it focuses and helps grow economy.
=> After analyze,
cut ( Austerity) in bad time is no good, not help, worsen.

-
For example, Gov spends money to create 1 job. That person will pay 1/5 or 20% of income for income tax. He/she will spend 1/2 of money pay living expensive for other businesses, such as, bills, rent, mortgage for the banks.
-> These businesses, rich banks pay corporate tax, its employees pay income tax. Then 1/3 of his/her money for personal spending, such as, buy products & services, grocery, food, restaurant, leisure. Thus good for local small businesses sell products & services. He/she will pay tax for products & services bought. Thus more revenue for Gov. -> Almost his/her income money circulated in the economy, back in the economy, good for businesses, for the economy, more consumer spending, more products & services created, increase GDP.

->
He/she saved
only a small portion of income for his/her bank account, not bank account of the high rich, the top 10%, which only make the rich richer bank account. However, there are rich people put money in economy, invest, create business, create jobs.

Consumer Spending accounts for 2/3 or 70% all economic growth more than Business Spending & Investment, Government Spending & Investment
- That's why, industrialized countries depend a lot on consumer spending, the average Joe, the little guys, the middle class.
->
The New York Times :" - The U.S. economy is predominantly driven by consumer spending, which accounts for approximately 70%  of all economic growth.
-> The middle class heavy lifting helps drive US economy.
NOTE:
Consumer Spending ( = an exchange of money for goods and services, not exchange money just for fun like most people think ) is not just buy TV, restaurant, travel, but also pay bills, car, food & grocery, phone, internet, living expensive.
=>
Personal Consumption Expenditures (PCE) is used to measure Consumer Spending. -> Thus a person spends more -> Increase Consumer Spending -> Help Economy.
=>
Consumer Debt doesn't mean that person spent money just for fun for TV, movie, travel, laptop, restaurant. Consumers just average citizen not rich don't have such money trillions of dollars spending just for fun, for TV...
=> In US, Consumer Spending contributes
70% or 2/3 to all economic growth. Thus it is a main contributor to GDP growth, and Economic Growth.
=>
Consumer Spending in the United States increased to 11487.40 USD Billion ( apx 11.5 trillions  ) in the second quarter of 2016. In Canada = 1017,7 Billions ( = apx 1.018 trillions ) in the second quarter of 2016. NOTE: The number is various depend on economic situation, but in range 65% - 70% or 2/3. - More than Business Investment, Government Spending.
=> Population, Human Capital is the main factor contribute to Consumer Spending.


Bottom-Up Economics and Trickle-Down Economics.

Bottom-Up Economics:
In theory is that ... focuses on supporting the working middle class that is the majority, and the main driving force of the working class. Consumer Spending accounts for 2/3 or 70% of all Economic Growth. And the middle class heavy lifting helps drive the Economy. The Middle Class is the one who pay the bills, mortgage, utility, the tax, like in any country Income Tax ( = main source of revenue for Federal Government ), Property tax ( = 2nd highest Tax after Income Tax. A main source of revenue for Local Government, City used this revenue to pay for its budget. ), Consumption Tax ( = source of revenue for State, Provincial, Federal ). Thus the wealth, the money, the job creation was bottom-up created from the Middle Class.
=> So Government should create policy to support the Middle Class, thus grow the Economy.

 
Consumer Spending

-
> Think Consumer Spending is the Middle Class, who are also the Customers buy ( consume ) Products & Services from Businesses. Businesses need Customers to run.

-> Thus strong Consumer Spending will boost Business's Investment & Spending.
Businesses will not spend, hire more people, and invest if they don't have strong & grow customers base.

- Today, not the Top 10%, but the Middle Class is the one that is heavy lifting the Economy, spending trillions of dollars in US & CANADA, drive the Economy.

- Middle Class is not only accounts for
60% - 70% of the Economy or all Economic Activities as Consumers (customers ), but also accounts for nearly 65% - 70% of Products & Services produced as Producers (workers ). If the middle class just consume not produce, the result will be less Economic Growth, weak & poor Consumer Spending, because they have home, but make less money, not produce much, thus spending less. Not much Human Capital. Thus Economy will not be strong, leveraged only 1/2 of its capacity. => So, how could you solve these problems ( Problem Solving )? - There are many solutions.

=> What happens if the biggest company in the word Apple has no customers?

=>
Why when you spend money, you help grow the economy, on the other hand, saving money better for you, but not for the economy, for the country. -> You just learn.

=> What is people's most spending that doesn't help the economy? - Travel abroad, live abroad.

=> Do you have any solutions to make Consumer Spending strong, and boost Business's Investment & Spending, thus help grow GDP, grow the Economy?
-> Many solutions.

=> Why Japan and many European countries applied negative Interest?

=> Why Middle Class not just as customer Consumer Spending but also as worker Producing Product & Services? - What if Middle Class just consume? - What happens to Economy? - What happened to a country if having a weak middle class?

=>
Which creates the most jobs? - Is it Consumer Spending or Business Investment? - Prove.

=>
Business Managers, any Manager, with mindset in Data, and Data Analytics will run business much much better, more efficient than the one who don't?
 

- In US, Canada, Consumer Spending in trillions / year accounts 65% - 70% for all economic activities. In Japan apx 60%.

- Business Investment in US accounts for
11.5% - 12.5% for all Economic Activities.  
NOTE: Data may vary, but give you some ideas. So Consumer Spending creates 8-10 times more jobs, more wealth, and more prosperity. -> There are tens of millions of consumers spend money ( pay bills, buy things, grocery, restaurant, not just shopping..) every day.

-
Consumer Spending is the Middle Class, who are also the Customers buy ( = consume ) Products & Services from Businesses that in need customers to run. The Banks made huge money from Mortgage Loan paid by middle class's home.

=>  The Middle Class is just Working Class that is working very hard to have a home to live.  Middle Class Inclusive: Factory Worker, Office Worker, Teacher, Scientist & Engineer, Other Professionals, White, Black, Yellow ...

NOTE: We should not divide middle class into many different categories, such as, middle class Blue Worker, middle class College Professor, Teacher, Scientist, Engineer, middle class Women, middle class College Graduate, black, white, yellow ... Middle Class is middle class, inclusively.

Why should understand? One consultant said: - In recently, Middle Class people are likely in center, but swing ( Left, Center, Right ), most registered voters + most go to vote. Because they care about politics than others.

-> You have to live through from: poor, and in middle class at least 5 years, in order to understand the issues of the poor and the middle class..
-
For example, in order to represent, to understand a culture, a country, a community, a group of people, you have to live in their own shoes.

Let's define Middle Class its contribution to Economy, to Society, and its role in Bottom-ups Economics

- A middle class person works for a business. Every month, he/ she works hard to earn & produce 4000$ / month or 50 K/ year worth of Goods & Services as Producers. -> Thus they help business to run business as worker producers. He/she then used the work hard money to pay for:

- Income Tax: Then he/she contributes approx
800$ for Tax. -> Government used this Tax as Revenue to pay for all kinds of services, like, Health Care, Education, Security ... Government then used this revenue to Create Jobs for a lot of people to run Government Services
- Property Tax: Then he/she pays approximately = 299$ for Property Tax. -> Local Government like City, Municipals used this revenue for City's Services like Social Assistance, local Security & Safety, all kinds of City Services, like Garbage Collection..

-
Home Payment: he/she spent at least 2200$ = more than 1/2 salary just for Home like Mortgage, Utility like Heat, Electricity, Water, Property Tax, Home Insurance, Home repair & Maintenance ... -> Thus helps the Banks create Jobs, run business ....That's why middle class is about Home. Contribute more than any classes because of Home. Spend more than any classes.
- Sales Tax: at least 299$. Then he/she spends appx 400$ for Grocery, in Sales Tax -> Sales Tax helps Sate / Provincial Government.
- Living Standard
: Phone, smart Phone + sales Tax, Internet + sales Tax, TV Cable + sales Tax, Car Insurance + sales Tax, Car Loan + sales Tax, Gas + sales Tax ... just necessity for work, for living. -> Thus helps big businesses, Car companies a main Industry in a country creates a lot of Jobs after Bank Industry, Internet companies, create jobs ... And Sales Tax generated from Living Standard.
- Local Small Businesses, Mom & Pop Stores: Then he/she spent appx 300$ for local business like Mom & Pop Stores, Restaurant, Nails & Salons, Hair Cutter... -> Thus helps local small businesses survival, create/maintain Jobs -> Small Businesses create most jobs 2/3.
- Entertainment: very small money left for fun, pleasure.

Middle Class Contribution:
-
On average in 20 years, a middle class person contributed approximately 1/2 millions in Taxes, and 1 millions in Total Spending.

 
The Bottom-ups

=> In the end, this middle class works hard in order to pay bills, pay his/ her duties, their parts to society, helps small businesses create jobs, help contribute to Revenue for all kinds of Governments, pay 1/2 salary for Home to live ... He/she has nothing left to save in Bank Account. -> Thus this middle class works hard to make money ->
Then filter his/her money by spending, paying bills from bottom-up middle class into Economy, Society help medium & big Businesses that depends on 65% - 70% Consumer Spending.
-
Help small & medium & big businesses as Worker Producer of appx 70% of Products & Services. Help small Businesses, help Creates Jobs.
- Help all level Governments, help big businesses like Banks & Financial Institutions, big Insurance Companies, help big Car Industry, help big Internet, Telecom companies, help pay for Social Assistance, Child Benefits, Health Care, Education. - Contribute to 65%-70% growth GDP. - Contribute to more than 65% of Job Creation.
-
Help Small Businesses, Mom & Pop Stores
depend on Middle Class spending money at their local businesses, and Create Jobs, about 2/3 of Job Creation from Small Businesses. Without them, local Small Businesses can't survival, close business, lay off people.

=>
This is Bottom-ups Economics, and middle class is the one to play a main part, heavy lifting the Economy, create Jobs as Consumer and Producer.
Thus the wealth, money, job creation was created
bottom-up from Middle Class works hard, pays bills

- A lot people, analysts, scientists, politicians don't understand much hard working middle class.
- We are Research Scientist. We just want to explain middle class in neutral, no bias, its role & contribution to society
 

.
- In Presidential Debate 2016, Republican President Candidate Republican Donald Trump said:- Will cut taxes for the Rich, big Corporations, Trickle Down ... approximately 5 trillions dollars tax cut spending to creates jobs, stimulate Economy.
-
While Democratic President Candidate Hillary Clinton said:- Will cut taxes, invest in middle class, in working class, in family bottom-up every one. Thus create jobs, stimulate Economy. Small Businesses creates most jobs 2/3.

 
- What is the most effective Tax Cut?

- Send 500$ Tax Cut or Benefits to 2 person, middle class Dave, and rich John. Dave spent all 500$ for all living expensive, because he has to, in need.
See Let's Define Middle Class's Contribution help understand.
- While rich John invested 500$ in his Bank Account Portfolio, or Trading Stock. Or do nothing 500$, because he can afford do nothing that 500$.
=> Who contributes to economy, help create jobs as should be ? - Which Tax Cut used the most effective 500$ ?

->
Efficiency saves billions of dollars, stimulate Economy, Create Jobs.


 

Use Data Analytics Mindset, Cognitive Thinking for making choices

 Without Data, and Data Analytics, most people made decisions, choices whether for business or for personal life, mostly bias in their favour, Like it or Not, emotional and volitional unconsciously. Thus bad decisions, choices. Without Data = Blind. - While people background in Data Analytics making decisions, choices by Data & Analytics, cognitive (= information processing) consciously, no bias.
Data Analytic Science helped see & explain problems clear, good problems solving, not blind, not bias, even change behaviour.

For example, by looking at Data often, daily, Business has more conscious, up-to-date their business, in control, tax, employees, products & services sold, money in/out, better than unconscious, not up-to-date, blind. Most Business don't up-to-date Data, Number, at least few months.

- How can I train Data Analytics Mindset?
- You don't have to take Data Analytics & Data Processing & Management Course. You just need to train your mind cognitive thinking.

- Cognitive Thinking = They will be able to understand data, or analyze, adapt, reason, and suggest solutions based on data.

"- The Digital Revolution is heralding the third significant era in the history of computer technology: the Cognitive Era.
" CEO - OpenText.

 

For example,
All-in-one Office is the software help businesses manage using Data, and Data Analytics. 1-Click Get Data, it will help run business, make business decision better -> All-in-one Office helps business understand data, or analyze, adapt, reason, and suggest solutions based on data.

For example, a family spent 10,000 $ for few weeks vacation, no regret. Back home, they began cut 50$ for food, save 20$ for child entertainment, save this 50$, save that 10$... This is example of making choices without Data Analytics mindset. They spent 10000 $ feel good. Then cut small money for basic living necessity, They make decision based on feeling good,
emotional and volitional. Not smart.

For example, An house wife with data analytics mindset could save a lot of money efficiently for budget from over shopping for feeling good.

For example, An employee made 50,000$ / year. He though that 50K is 50K, no deductable, no cover expensive. So he bought a House, an expensive car, spend a lot. He didn't use Data Analytics his salary, such as, Minus - Income Tax - Misc Deductable  - Car Payment - Car Insurance - Gas - Misc Spending  = Nothing left for mortgage. -> 80% people don't know how much Income Tax deductible from their pay cheque, mortgage cost 1/2 their income.

For example, many families break down because of Home. Jump in middle class without data. They listen to Mortgage Broker, Real-estate Agent, who wants to make money. After bought a home with minimum down payment, small salary .. Then lost job, lost income, interest up, raise children, money problems, argument ... -> Family problems.

For example, A small business owner with data analytics mindset will run business good and efficiently. Save a lot of Time & Money. Without Data = Blind business. See nothing.

For example, Use Data Analytics, we are able to prove that an industrialized middle class citizen, on average, will spend 1/2 millions in Taxes, and 1 millions in Total Spending. Middle Class helps heavy lifting the economy. Without data, analysts don't understand clearly.

Data helps people see & explain thing clearly. Open mind a lot people.
 
For example, Amy Ho, Hiring Innovation Manager at Google, who Lead team of Program Managers and Industrial/ Organizational Psychologists that used " ... apply science and data to innovate our hiring practices, specifically in the areas of interviews and surveys." - in her quote.

How to do this? -> There are many solutions, and techniques. You need Data Analytics to develop a whole program to train HR people How to apply Data Science in hiring.
 

- Amy Ho, Google used Data Science in hiring practice, in HR, surveys, Interviews.

Keep on circle of middle class life?


->
Middle Class Life Cycle: Jump in Middle Class -> Work hard. Pay bills. Pay mortgage in 25 years - 30 years. -> Then own a Home in 25 - 30 years. -> Continue up & down long road in middle class until -> Freedom @ 65 years old -> Whole working Life = Home.

-> Why not take risk start-up company, become millionaire ?

-> That's why we need surrounding with people big mindset. Think big. ( see Donald Trump in 70, Hillary Clinton in 68 years old still Think Big ). Otherwise, work hard for 30 years -> If lucky, you in middle class. Then retire. Done your life.
 

=> Stop middle class circle is Think Big not Think Home. -> If you don't have patient, ambitious, skill, time to Work Hard, Think Big, Do Big. -> Then invest your money, let start-up work hard for you & your family. It is win-win situation.


=> We build All-in-one Office not only helps small businesses in new Digital Economy, but also helps create jobs.

=> All-in-one Office is the software help businesses manage using Data, and Data Analytics, 1-Click Get Data. It will help run business, make business decision better -> All-in-one Office helps business understand data, analyze, adapt, forecast, predict, and suggest solutions based on data.

=> We try our best, invested a lot of Time & private Money. We need investors what ever funding. We have many plans that we can't disclose ideas here.

Send to private email
: ddanpros @ hotmail. com - and: netthruoffice @ gmail com. Subject: Let's talk.
( know your email, not junk )

Connect us in social media LinkedIn - See you there.
 


- Facebook Start up early day in a small room by Mark Zuckerberg, a drop out college CS student. Take risk -> Become millionaire.

When Facebook a small start-up with 1-5 developers, Yahoo at that time was big multi-billions software company, 30,000 employees & smart Developers, 100B company. It needed a social media website, but can't build itself, thus wanted to buy Facebook 1 Billions.

- CEO Mark, 22 years old, living in a small apartment, didn't want to sell out for Yahoo 1 Billions. He said " Money is not important, but a dream ". The first investor invested in Facebook 500,000$.

Ask: - Why Yahoo didn't use its huge resources 1 billions -> Invest 1 Billion & Create a new Start-up, hire ten of thousands smart developers to build a new Social Media website? -> In software business is about talents. Big Name, rich money & resources doesn't mean can build product like small Start-up.

- Today, Facebook has created many billionaires, appx 1000 millionaires, appx 10,000 middle class.

-
In July, 2016, Yahoo had been sold, out-of-business, because lack of talents. -> In past 10 years, we see many very big 100B icon companies, like Yahoo. -> Take more than 20 years to build billion dollars company. But, take few years down to zero.

-
When Facebook, a small start-up Social Media Facebook, few developers. - At that time, Yahoo was big multi-billions, more 30,000 employees, 100 Billions hi tech company, wanted very much a social media website.-> So it wanted to buy Facebook, small start-up 1 Billions. -> Because it can't build product like small Start-up can.

 
NOTE: With 1 Billion, Yahoo could hire thousands of developers to build new social media website. But, Yahoo could not build. Lack of talents. Yahoo employees always asked for :- Flexible hours, Work at home, high Salary, good Benefits ... Too much comfortable made people less challenging, unlike Start-up.
- Today, Yahoo sold in July, 2016.

=> Mark Zuckerberg built Start-up Facebook in his small room.
-> This small start-up built product that big multi billion hi-tech companies, tens of thousands employees, can't build.

- In China has so called " Start-up Coffee", where Entrepreneurs are meeting, discussing business. They already have full, part time jobs.

 - You are in Middle Class, work hard, pay Mortgage, pay Bills 25 years in order to complete Middle Class Life Cycle.  -> Why not, take risks. Start-up a company -> Become millionaire, faster."
-> This sounds easy & simple, but a lot people don't have such mindset, thinking small. Their life is limited by their mindset.

People want millionaire in easy way. How?

=>
That's why doing some thing big, you need big mindset, and surrounding with people big mindset.
That's why when building start-up, we look for people big mindset in a long run. Look at Donald Trump 70 years old, Hillary Clinton 68 years old. They already achieved big dream their life, but still think bigger.

 

- Start-up Coffee. - Work full time, part time job to pay rent, but spend sometime work on start-up -> Become millionaire. -> But a lot people don't have such mind set.

=> Some people work hard 25 years not in middle class.
Nothing left for them, for their family, their children after 25 years working hard.
 


-
A CTO of Software Company spent 15 years to build software product from scratch said :-" Technology is about Hard Skill, not Soft Skill. Hiring pawns has nothing to do with skill, write code, innovation, problems solving of developers, who can Architect, Build Products, Problems Solving, Innovation, and Write code. Save Time & Money. We see software companies spent millions for 50 developers build Products. While, a small start-up few 5 smart developers, small budget, build much better, powerful Product, 10x times more efficient. -> Be nice. Be yourself. "

=> Software is about skills, talents. CEO Microsoft worried about small start-ups in garage than big companies.

Last year 2015, Silicon Valley has invested 58.8 Billions in Start-up Companies. People said could be another bubble like Dot.Com companies. Stock market crashed happening very fast & furious like tsunami in 2000, 2008. Smart ones, even smartest big Financial Institutions could not predict. Investors, smart & big & small, lost 6 trillions dollars, ran for exist, only Seller unload position, no Buyer even so cheap.

-> After crashed, Investors lost huge money, bailed out, not wanted to invest in Dot.Com, Internet Companies, even good big tech companies like untouchable USD 340B Nortel, USD 150B Sun...at peak Jan, 2000, then went down slowly to zero.

-> Greed & Fear are biggest losers.

->
It takes stock 16 years back same high 2000 -> 2015. Thus, if Investors don't cash-out before high in Jan, 2000, will wait 15 years get back your money, if luck not zero. At first, you win. In the end, you are loser, lost all.
- After 8 years, another big crash in 2008.


-------------------

-> Today a lot start-up companies have no or little revenues, even
lost millions,
not profitable, but high over valued at hundreds of millions, billions of dollars.
->
For example, a small start-up company has no revenue. An investor said : - We invest 5 millions ( on paper ) in this start-up -> Now, this start-up is valued at multi-millions company.



Big Name, rich money & huge resources doesn't mean can build product like small Start-up. That's why Silicon Valley spent big money in search for next Start-up.




 




=> The Middle Class is just Working Class that is working very hard to have a home to live. The working middle class is the majority, and the main driving force of the working class.
- Middle Class Inclusive: Factory Worker, Office Worker, Teacher, Scientist & Engineer, Other Professionals, White, Black, Yellow ...


Middle Class life style.
=
> Try yourself to maintain a middle class life style as home owner, pay Mortgage, Utility, such as, heat, hydro, water, Property tax. Home is first challenging, but maintain a middle class life style is not simple as you think. Do the math.

=>
Middle Class can't get Social Assistance if lost jobs. Unfortunately, jobs lost can happen in any class, any time.
-
For example, if you are single working adult, not middle class, could receive 700 $ / month. Family gets more than a thousand.

-> But if you are middle class, use your debit card/ credit card.
- Why not give same amount, fairness, regardless any class, home or no home, less or more living expensive, until find new job?
- Let's open and honest. Middle class family, like any family, even try to balance 100$, balance a small amount electricity saving of 100$ every month because of many responsibilities.

=> The Middle Class is the one that is heavy lifting the Economy. - Can you explain why?
- In industrialized countries, Middle Class people are both Producers and Consumers. They have a lot of responsibilities, so they have to work hard for it. - In industrialized countries, Consumer Spending accounts for 65% - 70% all economic growth.
->
Can't do heavy lifting the Economy by not to Produce, and just Consume.

- We need to get more people back to work, contribute to society, become produce, and consume, and pay taxes. Thus grow Economy.

=> You have to live through by yourself from: poor, and middle class in order to have mindset, have feeling & experience, thus understand the issues of the poor and the working class..
For example, you live in a middle class family, you still don't know how hard your parents went through, thus understand the issues of the poor & the working middle class.

=> Can you explain why middle class has more responsibilities than any class, keep working longer, and harder to meet. Pay 3 taxes.

- What is Working Class work hard whole life to have a dream?

- What happens if no property tax?

- What happens if no or weak Consumer Spending? -
> Think Consumer Spending is the Middle Class, who is also the Customers buy ( consume ) Products & Services from Businesses. Businesses need Customers to survival. Thus strong Consumer Spending will boost Business's Investment & Spending.

- What role they contribute to society, to economy?

- What happens if middle class just Consume and not Produce?

- Why we should encourage, not discourage, people in middle class?

- What do we do to support for strong middle class, and why?


 

=> Home price high or low doesn't make any difference, until you sell the home as investment. Middle Class needs Home to Live, not an Investment.

=> Middle Class doesn't have safety net if losing job, and ran out of EI. Use their credit card/ debit card to live.

-> In Ontario, Canada, there is a pilot testing program called
Basic Income. Which means :" - Basic income, or guaranteed annual income, is a payment to eligible families or individuals that ensures a minimum level of income to live when lost jobs, or no income until they find new job..." - Regardless who you are, middle class or not, home or no home. -> It is like in Canada's Child Benefits Program, every one can get regardless who you are, rich, poor, 3 x houses middle class, millionaires are qualified to receive Child Benefit few hundreds / month.
-> There are people complaining that
Child Poverty happened only in poor families. Rich people, Middle Class children well fed. They have house. No need Child Benefits.
-> But there are people said:- Child Benefits helps every one regardless where came from. It is example Bottom-ups helps middle class, working class. Middle Class is just Working Class except they have home to live. They work hard for their home.

->
Basic Income just pilot, testing, not sure it happens. - Finland, Netherlands are all looking at developing pilot projects that test the idea of a basic or annual guaranteed income. - Money spend on Basic Income will come back in the Economy because people will use for basic needs, food, shelter -> Basic Income stimulates Economy, eliminate Poverty, help all kinds of people when in need ( no one will quit 25,000$ job for Basic Income. Only when in need like lost job, when no income. ) , help stop eroding Middle Class like Child Benefit Program.
 
- Basic Income will help a lot middle class, working class when in need. Such as, families, with 2 incomes, then one lost job, only 1 income. An impact for middle class family. We can list so many Case Studies that middle class, working class "When in Need" Basic Income. -> A win-win for every one.
NOTE:
Upper Class less debt because they are rich. Non Middle Class less debt because they have no Home, and social safety net.
-
Basic Income cover Basic Living Expensive, but no cover Rent Mortgage.

- Middle Class 2 Incomes pay bills.

.=> Child Benefits helps all families: Rich, Poor, Middle Class, Working Class Families with children. There are families may not in need Child Benefit few hundreds / month. - While Basic Income helps all people, regardless any classes their Families when in need, are good example of helping middle class, working class ... Bottom-ups -> All people do your part, equal share as citizens. Middle Class contributed a lot to society but not equal share.

=>
Basic Income helps reduce Eroding Middle Class, Family Problems, Social Problems, Health Problems ... Will save billions for Government. This Program, by design, helps people, regardless where came from, "when in need". If you may not in need. Which doesn't mean others may not in need. -
All people do your part, equal share as citizens.

-> People live through poor to middle class will understand these issues better. No bias. To do research this kind of policy, you need scientists who share same background, and experiences of poor and middle class.
-> Many Organizations, Businesses have Economic, Policy Analyst, Scientist have a lot of  School Theories but lack of Life Experiences in order to have mindset to understand these issues, such as, Bottom-ups, Trickledown, Poor, Middle Class  .... The same as, if you let the Middle Class Scientist design Policy for the Rich, the Upper Class -> He can't, and bias. Because he doesn't live through life style of the Rich.

A lot middle class people still don't understand Middle Class. That's why we need some middle class people, with some backgrounds, and Data Analytics, live through poor to middle class, Research middle class, Analyze data, Explain middle class, and their roles, their contribution to Economy, Politic, Society. -> After reading this Blog, he hopes people understand middle class more, because Middle Class is the main force, frontier class do heavy lifting the Economy. He can write 500 pages booklet, do all kinds of Data Analytics, but people will loose interest, no time to read that long papers.

 

-> What happened to GDP, to Economy, to country, if its middle class play stock, invest to make money than use labour, work hard producer, consumer?  -> See we explain: - Give a middle class 100$ he/she will spend all ...


In any country, people work hard 25 years not in middle class. Nothing left for their family, children, after 25 years. Create no new value, no home to live in 25 years. -> Next 10 years cost 250,000$ for Rent.
->
In industrialized middle class, after 25 years working hard, you have something leave for your family. A home to live in 25 years, and Create values =  Own a Home more than 1/2 millions. Next 20 years cost 0$ for Rent. " (Positive message. Use Data Analytic Mindset)



 


A Story: A person from poor, no money, no help, no degree to middle class.

- Dan left his family at 20 years old to live alone by himself. He had no money, no any help, no degree, only high school diploma.

At the beginning, he worked all kinds of survival jobs to live in a biggest city. At that young 20s something without parent, a lot freedom to live alone in a big city, he found his way the right path away from all kinds of seduction, girls, party, smoking, drinking ... Surrounding with bad friends will have bad influence on your future, because they want you just like them. One mistake, your life could be in troubles.

After 2 years, he saved some money go back school. Then he became Canadian. Then graduated from a University, and working as scientist. Finally, he became middle class shortly after graduated.
Then he started middle class life style
of hard working, very hardship, saving, no drinking, no smoking, no traveling ( = most expensive ) for first 10 years starting middle class, because a lot of responsibilities, a lot bills, and mortgage to pay. Small things add up. For example, a couple spent 10,000$ for traveling in few weeks. No regret. Then back home, they cut back glossary, save 30$ no restaurant, save this 50$, cut that small thing 20$... This is Manage Budget poorly with no Data Mindset. Not smart.

-> Hard to become middle class if working survival jobs. Do the math. After tax, pay bills, rent, food, car, insurance, living expensive...how much money left to buy home, become a middle class, unless you inherited some thing, or given gift, something.

=>
Hope this story will help people some ideas to move from poor to middle class.

-
Do-it-yourself middle class is a long road, hardship, up and down. But if you try your best, and have plan you will go there.
=> Use Data. And Do the math first.
Home is first challenging to become middle class. Maintain a middle class life, pay bills, mortgage, utility, property tax is not that simple.  - Today, some people are working in few years, then want to jump in middle class. Not that simple -> Do grade 5 math. ** What if you lost job few times, up & down, in your middle class life. ** - What happens if you already had job, working, and then go for new job for better, and then let go in few months no job?
 
Some people said : - When I am young, enjoy, have fun. When getting old, get in middle class, not too late. This is very wrong.

-> Usually, people get into middle class when in 30s something, house, car, big dream... It is harder to get in middle class when getting older.

-> It is hard to get in middle class if working for survival job. Do grade 5 math, after you paid taxes, rent, living expensive ->
How much money left saving Buy Home, Get in middle class?

-> Any one wants Get in Middle Class must ask this question:
1) Do you stop travel for 10 years? 2) Do you start saving money? 3) Do you want to cut beer, cut smoke ...

 

Think back
the long road he went through, he said :- " It is just a journey of adventure. Sometimes you gain. Sometimes you lose. Don't bet on stock. Short term gain on stock paper, in / out, up/ down, is not real gain ( or lost ) until cash out. Not easy. A Computer Scientist plays himself, like every one, moms at home, students, factory workers, hair dresser, office workers, teachers, scientists, engineers. He Collect data, Analyze data, Do math, Do research ... So he knows. He wish to find some pattern, in/ out, back & forth in order to make money easy, and teach people play stock, go to middle class fast & easy. But he found that like Game Theory & Strategy Algorithm that computer scientist learn. Know when to win, when to lose, when back & forth. Human's greed & fear is the biggest loser.

-
For example, if you play in casino's Game Machine ran by software designed by computer scientist.-> At first, look like you win, addictive in the game. But in the end, will lose all.

- Middle class in some culture surprised why industrialized middle class work so hard.

- Dan continues to dream something bigger. US Presidential Candidate Clinton
68 years old, and Trump 70 years old, still dream big to be US President, more headache, a lot pressure. Although they already achieved big dream in their life -> So what is your dream? -> Building some thing big, need surrounding with people big mindset, regardless young or old.

He advises: Life is hard work, hardship, up & down along the road to middle class. Begin setup plan to middle class when 20s after graduated from College. Nothing comes easy. No privileges. Equal opportunity. Every one got help from someone, somewhere. Steve Jobs said: - You can't carry all money to the cemetery.=> Advise people good things. Do good things, good things go around.

He moved to middle class, after graduated from university in short few years, and still in middle class today, after long road near
20 years working hard paid duties of a middle class citizen. Keep out of trouble. Keep going until Freedom 65.

Some people work hard 25 years not in middle class. Nothing left for their family, their children, after 25 years working hard. -> Positive message. Encourage people get in middle class when possible. ->  Hard work & Reward.


Work on your dream first, get in middle class later. Without dream, life is hopeless. Have a dream.

Looking back nearly 20 years of the middle class long road going through, a middle class man smiling, said: - Not finish yet. Not relax yet. He still keeps going. All middle class person must do your duties for your family and for society, and heavy lifting the economy, like he has done. We don't punish nor bias people for working hard what they had. Otherwise, no one wants to get in Middle Class, work hard, take responsibilities, a big lost for the economy, for the country.

- He hope Story of a Middle Class, from Poor, no any help, to University Educated Middle Class, will help all kinds of people, wherever came from, that try your best, you will get in Middle Class one day... Good luck.
 

  Journey of life is an adventure.

- This story does not recommend for young people in 20s, parent. Today young people have more freedom, more help & support than his generation, better environment, good family support + good financial support + student grant in school. Work hard in school -> Easy life success.

-> Dan left family at 20 years old. He had no money. No any help. No degree, only high school diploma -> First 2 years working survival jobs, kept dream alive. -> He saved money, back to school in University -> Then graduated and working as Scientist -> He became middle class shortly after graduated. -> Today, he is still in middle class after nearly 20 years middle class life up & down. Keeps going.

-
He advised :- The quick way in middle class is education. Work hard. Be discipline. Take responsibility = Main factors for success

- Do grade 5 Math. Hard in Middle Class work at survival jobs.
After paid Income Tax, Car, Rent, Living Expensive, Restaurant, Vacation, how much left / month buy Home, Pay Mortgage

->
Giving average Home 600,000$ in big city, 15% down payment, today, get in middle class in big city needs 90,000$, and 50K salary. How long can you save 90,000$, after paid all living expenses?
 
 


Today in big city,
get in Middle Class required 50K salary

 - Middle Class in today, needs 200K down payment and 50K salary to Get In.

NOTE: Middle Class works hard heavy lifting Economy, pay bills, pay tax, pay mortgage for their home to live, not an investment. Home price up or down means nothing until sell their home.

Quick Data: Today, average home in big city is at least 600,000$ -> Deposit down payment = 200,000$. You borrow mortgage loan = 400,000$ -> With cheap interest rate around 2.5%, mortgage amortization ( years pay off y our house) in appx 25 years.  -> Your monthly mortgage payment approximately = 1,800$ - 2000$ / month in first 5 years. But will gradually decreased. Not including: Property Tax, Utility ...

=> Even if deposit 20% = 120,000$ -> Your monthly payment will up significantly. Thus salary at least 60K. + More interest payment + Longer pay off home. No such gradually reduced, because all money paid for Bank Interest, like borrow 20K loan never pay off, only for interest payment. When Interest UP -> Big problem. => Mortgage Lender + Real Estate Agent just wants you sign even low down payment. Whatever, they get paid. Like Loan Lender 20,000$ loan. -> Keep paid, never paid off 20K loan. Better, Rent saved money for down payment -> Buy home later.

First 10 years, need put more down payment at least 25% + Accelerate Bi-weekly payment in order to reduce Interest Loan. -> Thus reduce monthly payment for Home. - Otherwise, deposit less than 10% down payment is the Bank Home, not your Home. -> Mortgage Lender hook you sign on paper different with reality, like in 20,000 $ loan never paid off.
-
First 10 years, 50K salary just enough paid for Home Expensive. But the reward is that, every time you pay for Home, you invest long tern in Home. You don't lost your money like Rent. -> Home is the Reward for Middle Class.


NOTE: Rent 3-bed rooms Apartment approx 1700$ - 1900$ / month. In 20 years cost = 440,000$. Next 20 years inflation cost more = 500,000$
- Buy a home cost mortgage / month = 300,000$ in 20 years. -> Next 20 years = Own home more than 1/2 millions ( Home price always increased over long time ) + Pay no rent. While Rent People continues paying 400,00$ + No Home to live, raise children.

->
Invest 60,000$ in Buy a Home 20 years ago ( 60K lot 20 years ago. Ask :- Today, after paid all Living Expensive + Car Payment + Student Loan, how long can you save 60K?  ) . Today that investment worth approximately 600,000$ + A Home to Live most important + Pay no Rent in next 20 years could cost 500,000$ in Rent. -> Middle class, invest in a home to live, not an investment. -> Home price up/ down not concern, no worries. -> Focus your time on work hard, make money. -> Let's Home self-growth money for you.
->
In any investment, Home or Stock, good return when invest in long run like 20 years.

-> Why not buy 2 x homes make more money. Rather down payment 30%, buy 1 home, why not buy 2 homes, each down payment 15% ?
- Because more down payment, will reduce a lot interest payment for Banks + Less risky leverage of too much loan. Like borrow 20,000$ loan, but hardly paid off loan, only pay for interest + Faster pay off home because more down payment + Reduce monthly mortgage payment + It is a Home to Live, not risky investment, high risk for family + Cost more money to maintain 2 x homes, and Headache Deal with Tenants + 1 x Home is a lot of headache. Have 2 homes more worries, 2 x Home Loan Debt, 2 x home cost, 2 x Property Tax, Tax on Home Income Investment ( not A Home to Live ) ... + If Home Price goes down, Interest goes Up, big problems for 2x homes -> People paid big price because Greed & Fear.

-> In recently, new Government policy required down payment to buy a Home at least 20% -> Thus more safety for home owner and housing market.


It is risky in middle class - Yes, risky, but Middle Class = Rewards for hard work, hardship

Being middle class is home owner. But in order to maintain middle class life style. -> Middle class work hard, pay bills, invest work hard money in home. Nothing comes easy. Different with invest money to play stock.

-> A person
smiling said :- Better not in Middle Class. When lost job, lost income, no income, people not in middle class can rely on Social Safety Net that paid every thing including Rent, better. - While middle class use credit card/ debit card to live. More debt -> Middle Class erosion.
Fair for middle class, when in need, just give them some
Basic Income to cover Basic Living Expensive, but no cover their rent mortgage. Basic Income will help so many people, jump in Middle Class with little bit safety net only when in need. -> Thus reduce cost, help people on Social Assistance Safety Net into Middle Class.

NOTE: Some people said not easy for people to get on Social Assistance Safety Net.

 
People want, rush in middle class dream.

Recently
, there are a lot people jump in middle class by moving into suburban.-> Hope this blog positively helps people see middle class is their future.
( over 1.000.000 people around the word, in 100 countries, see this blog )

-> As a result house price goes up in big city, living expensive up. But it doesn't stop people to be in middle class by buying home in suburban area nearby big city. So a lot of investment in infrastructure move people faster, drive to work faster between Suburban and City.



- Suburban Middle Class outside big city.
People move out of big city into suburban, town, where house price + living standard less expensive. This is pushing Home Price in suburban heat up.
 



Let's do some Data Analytics.
An average Middle Class person in big city, without children, contributes to society in 20 years.

Some numbers an *average* industrialized middle class citizen in a big city, no children, has contributed to Economy, grow GDP working hard in 20 years.

1)
Income Tax: A typical middle class made 50,000$ salary / year ( some years more, some years less), more or less, appx ( 22% - 25% ) Income Tax = 12,500$ / y -> In 20 years = 250,000$ in Income Tax.
2)
Property Tax: Typical ( 299$ - 399$ / month ), Use 399$ -> appx 5000$ / year -> In 20 years = 5000$ x 20 = 100,000$ in Property Tax.
3)
Sales Tax: Typical 299$ / month -> 3600$ / year -> In 20 years = 3600$ x 20 = 72000$
4) Home Utility  = ( 299$ - 399$ ), Use 399$ appr 100,000$ in 20 years

=>
Mortgage House paid for banks = approx 1800$ / month = 21,600 $ / year -> In 20 years = appx 300,000$
NOTE: It gradually reduced from beginning
1800$ / month ...to ... less and less in few hundreds / month in 20 years.
- Data may vary on Property Tax, Income Tax, Sales Tax depends on different types of Home, Income.. But give you some ideas.

 

- Data Analytics: On average Industrialized Middle Class Total Spending, Total Taxes contribution

Only after analyze data, we can understand, see clear, no bias. No Drinking, no Smoking, no Travelling ... Spending

Total in 20 years,
1 x average middle class person without children with a Home has contributed in taxes = 250,000$ income tax + 100,000$ property tax + 72,000$ sales tax = 420,000$ all 3 taxes + 300,000$ of Mortgage + 100,000 $ utility = 820,000$ paid duties of 1 x middle class for Taxes + Mortgage + Utility in 20 years.

Not Including other Items like cars in 20 years = 2 x new Cars = appx 60,000$ of 2 cars tax included, Car Insurance 199$ / month, 20 years = appx 50,000$, Home Insurance, Grocery 399$ /month x 20 years  = 100,000$ , Raise Children Time consuming + Cost money, Phone packages, Internet, TV cable, Misc Spending like Restaurant, Clothes, Computer, Entertainment that could over 1 millions in 20 years ( see Not Including ). => These Spending Items + Tax => Add Tax in Total Tax = 1/2 millions contributed.

Use Data Analytics Mindset ( = Use Data. Think Data. Talk Data ) That's why GDP of Industrialized Countries are High, in Trillions, because of middle class working hard, contribution. *** The non-middle class don't spend that much, may be 1/2 of Middle Class's spending, because they don't have home expensive that takes away 1/2 income ***

NOTE
: After 10 years, if down payment at least 20%, Home Mortgage gradually reduced less than Rent. Less than 10% down payment, pay only interest for Bank's Home + High Cost Mortgage Payment just for Interest / month, like borrow 20K never pay off, only pay interest. -> It will take your children continue to carry mortgage, pay off Home.

 
- People no Home, all money made just spend, enjoy all. While people had Home, work hard for Home. All money made, spend (= invest) for Home.
-
Work hard => Reward = Capitalism = Every one wants to be rich. And Equal Opportunity for every one.

=> The majority Middle Class works hard, heavy lifting the Economy. It produces 70% of GDP as Worker Producer Producing Products & Services. It consumes 65% of GDP as Customers Consumer Spending to buy Product & Services from small, medium, big businesses.


House in big City Toronto, Vancouver, and big City in US
 


Vancouver, Canada's city of Tourism. 55% Vancouver Residents are Ethnics speaking languages other than English, ave 3-bed room Home = 1,500,000$ ( 1.5 millions ). Vancouver is city of Tourism and large 55% Ethnic Population. Where Home even more expensive than big US City, Hi-tech Silicon Valley, and any City in Industrialized Countries.

Toronto (including GTA), 1st City of Canada ave 3-bedroom Home ( not villa, not big house, not multi level house ) = from appx  800,000$ for all types of Home, even ave 3-bedroom Home 80 years old mostly in down town Toronto, a bit home renovation, sold for more than 1.2 millions.
Toronto is Center of Banks and Financial of Canada, High rise Buildings, Tourism, the largest Multi- Culturalism City in the world.

=> In Vancouver, Toronto, Economic Prosperity driven by Ethnics & Immigrants population in the City that had approximately 50% of Residents are Visible Minority. That is not including their children born here. -> More Demand for Housing & Renting -> House Price high at the Top of City in Industrialized Countries in the world.

As Scientist, we talk data, no bias. Use Data, we don't need to argue nor explain. Data helps people see something they can't see. -> Without Data is blind.

51% of Toronto population are Visible Minorities, 1st City in Canada, 3rd largest City in US & Canada. Changing new faces in Toronto.

->
Changing new faces in Toronto, which don't see on main stream TV, under-representation on main stream TV.

According to the 2011 National Household Survey (NHS) indicates that 49.1% of Toronto's population is composed of visible minorities; non-Whites. Approximately 70% are of Asian ancestry.

In
2016, approximately 51% of Toronto Population 6.5 millions is visible Minorities. This is not including the Visible Minority 's Children were born in the City.

NOTE:- The NHS data showed most of the 1.2 million immigrants who arrived in Canada between 2006 and 2011 settled in a metropolitan area, like Toronto - Vancouver - Montreal.
-> On average 250,000 Immigrants coming in Canada each year. 91% of Immigrants live in a metropolitan area, like Montreal, Toronto, Vancouver.
- Half of Toronto's population 52% was born outside Canada, statistic 2011. Toronto is city of Immigrant.
- 95% of Immigrants became Canadian after few years.
-> Most Immigrants come legally by Family Sponsorship Program.
For example, They already had their Canadian family in Toronto. -> Immigrants come, work hard, open small business, get in middle class. But not all immigrants come with 0.0$ money. Recently, there are rich immigrants, economic immigrants a lot of money come, buy house, invest in real estate.

Do the math:
-> According to Statistic Canada, every year, 250,0000 - 260,000 immigrants coming in Canada.  Mostly 40% of 250,000 Immigrants choose Toronto = 100,000 Immigrants going to Toronto / year = appx 1.5% of 6.5 millions Toronto & GTA Population / year. -> In 5 years, Immigrants coming in Toronto appx 7% of Toronto Population.

-> Visible Minorities in Toronto could reach from 49.1% in 2011 to Modernately around 55% in 2016. => But 51% is Modernate data after Data Normalization is in 3rd normalized.

=> Is it also true that more Immigration, large Minority Population will have more Economic Prosperity, Economic Growth like Toronto, Vancouver, where has largest Population of Immigrants & Ethnics in the world. It is very different with European Countries.
 
Under-representation of Visible Minority in Government, Public Sector, Organizations, Education, Private Sector .. While 51% of Visible Minority Population in Toronto has played big role & contribution to Economic Growth, Economic Prosperity of Toronto, and Canada.

NOTE: It starts changing in 2015.
 
- Canadian Government's Cabinet has the most Diversity Cabinet in the word, with 50% of Women & Minority Ministers.

->
US has 2 terms Black President. Even more diversity than Canada.



- Billions of funding from Government, Organization, Corporations in R&D, Technology ... should be inclusive more Visible Minority Scientists. It is good for every one.

- A minority scientist said :
- It is hard to make and meets, and make contribution more important than salary & benefit.
 
=> What kind of policy should have for inclusive & diverse society?
- Such as: - Government, businesses, companies, organizations should have a diversity policy that is inclusive more Scientists of Visible Minorities, and their contribution.


- Different ideas are always better than same one ideas.



- Diversity is good for growth and innovation.

=> For example in US.

 


- Housing In GTA Toronto ( Greater Toronto Area - Districts of Toronto).

->
Markham's 70% of its population 302,000 is Visible Minority, majority is Chinese, ave Home price = 900,00$.

-> North York is Greater Toronto Area, not Downtown Toronto - Population = 800,000 - 57% of North York's residents were not born in Canada according to Statistic in 2006. Today probably 65% of population is Visible Minority . Ave Home price = 800,00$.
- York University, 3rd largest University in Canada, located here. Almost 85% students in high schools are Minority. North York is one of the biggest district & population in Toronto GTA.

- Areas around, nearby Toronto, had Minority Population more than Toronto. Like:

-> 67%
of 530,000 population of town Brampton of Visible Minority, ave 3-bed room Home Price = 600,000$,

- Most Middle Class are Whites live in down town Toronto own 3-bed room Homes ave = 1.2 millions.

-> Tell Housing Demand & Renting driven by Ethnic Immigrants.

-> Toronto and the Greater Toronto Area has  49% of all Ontarians

- Mississauga Region
-> 57% of 750,000 population of town Mississauga is Visible Minority, ave 3-bed room Home Price = 630,000$
- 1 hours drive from Toronto


Toronto, GTA and its suburban areas.

-
North York is bigger than Durham, Mississauga inside Toronto
- Brampton, Vaughn, Markham in GTA, Toronto
- Far away from Toronto, house less expensive.



Few Notes:
As Research Scientists (not Sales & Marketing), when doing research is open and present data as much as possible, neutral, no prejudice, no politic, and no bias. We let people open their own view. Data speaks the truth, the reality that people may like or not like. It does not reflect the life, the view of the Researcher.


Few questions about Middle Class
( just update  Dec  / 2016 )

=> Can you explain why today, even having
200,000$, good deposit for a home, still could not afford Industrialized Middle Class? - Because no job, part-time job, no good paid salary full-time job, or afraid lost job after few 5 years in Middle Class -> Thus can't finance big loan 400,000$ for a Home 600,000$$ + Pay Property Tax + Utility like Heat, Water ..
- So what is best solution?
Go from no risk -> High risk
1) - Put safety
200,000$ in cash (saving account) for raining days like no job, no income, specially family with children. Live by Rent better, save money.
2) - Open small business like restaurant.
3) - Invest
200,000$ in Stock Market.

=> Would you put
200,000 $ in Stock or in Home? - Which one made you sleep well, safety, best return, a peace of mind, no worries looking at Up/ Down every day, time consuming to manage 200,000$ of many stocks up/ down, buy/ sell, research stocks, like a full-time job ?

=> Why when buying house you should put deposit at least 20% price of the property ? - What bad things about deposit less than 10%?

=> Can you explain why the majority of people still want to get in Middle Class even expensive.
What are the benefits ?
1- A home to live is the best Return. No where better than live in your own Home.
2- When pay Rent, you lost money. When pay Mortgage you put money in piggy bank of Home. -> After 10 years or more, mortgage will gradually be reduced less than Rent.
3- If you can buy Home -> In Middle Class, a better class. You will more responsibilities, not careless like when not in Middle Class.
4- Some men said: - Their girl friend wants Home, lives in Home, in middle class. Which puts a lot pressure on the man buy Home.
-> According to female, a man can buy a home for their girl friend, he is successful. (Not necessary always true )

-
Today, for men not fair. For female, a lot better than nothing -> She said :-  In middle class is better.
 

- The girl big smile with a key. If something went wrong, the middle class female has at least few hundreds of thousands dollars. -> A lot better than nothing.

6- Home always the best investment, return in the long run 25 - 30 years, you don't have to pay Rent + Own a Home.

7- Most important: People work all their life just for a home. Some people work hard for 25 - 30 years have nothing. Some people work hard 25 - 30 years have some thing big.


Middle Class Home Owners still work hard make ends meet, pay bills. A majority did not have 6 figures income.

-> House price up or down is
not an issue, no difference, until sell the house.

- A lot people see home price up, though they are rich, then borrow, go spend, travel.
Not Analytic Mindset

It is bias when saying :- Middle Class is rich, has home.

NOTE:
 A lot of them hardly pay bill. That's why a small increase in Utility, Hydro bill could impact their budget. If you work hard, take responsibility, you in middle class too. They heavy lift the economy, work hard for a home to live, pay many taxes, contribute more to society.
 

- Middle Class Home Owners pay bills. Self-sufficient

->
Even after 10 years of Middle Class contribution, still borrow money, or take on debt, use credit card, when in difficulty like lost job.

->
A Middle Class man said:
I have contributed 20 years
as a middle class, but when in difficulty -> I used my credit card, take more debt. Middle Class needs Job
not Home Price.


 


-
The Greater Toronto Area ( GTA or District of Toronto ), produces more than half or approximately 55% of Canada's Manufactured Goods. Toronto is also a financial center, big banks of Canada.
-> Ottawa Canada capital, GDP =58 Billions, Pop = 885,000 - Canada Silicon Valley Waterloo - Kitchener Region ( home of Nortel, Black Berry, Hi-tech Start-ups, Waterloo University ..)  GDP = 27.5 Billion, Pop=560,000.

->
Toronto & its GTA's GDP = 350 Billions, bigger than GDP of Malaysia, Egypt, Ireland, Israel, Philippine, Singapore, Hong Kong, South Africa, Denmark, Finland, Portugal, Bangladesh, New Zealand, Greece.
->Toronto is the 3rd biggest city in US & Canada. Population 6.5 millions. Toronto's Economic growth & expansion pushes housing price more expensive than Los Angeles, New York, Washington DC, Boston, Seattle
->
It is most important economic hub in the world.
-> Toronto has the most, large numbers of small businesses, mom & pop stores in Canada, which
created your own business by immigrants, Ethnic population, you see every where on the street, in community.
-> Toronto is big GDP, like a development country, high population, economic expansion. It is good environment to invest & start-up businesses.

NOTE: Data help change the way we see Toronto.
 


Historically, Canada is a country of Immigrants.
The native people, aboriginals were here first hundreds of years ago. - Then came the English, the Irish, the French immigrants, settlers. Then came the Chinese immigrants build rail road, the Black immigrants from US, the Indian immigrants, the Sikh immigrants, the Italian immigrants, the Japanese immigrants, the Jew after second war,  the Vietnamese immigrants. Recently the Korean immigrants, Philippines immigrants, Middle East immigrants.

-> Canada wants to increase population from only 36 millions to 40 millions, still small population compared to industrialized countries like Japan 130 millions, US 320 millions, German 82 millions, UK 65 millions. So it needs to bring a lot immigrants, help aging population, contribute to economic prosperity & growth that had seen in Toronto, Vancouver. - Even Modernate 250,000 immigrants / year, in 4 years = 1 millions, will take 16 years to reach 4 millions is still slow to meet target 40 millions