Keep the Following in Mind When Dealing With On-line Auctions!

Cyber crime is up again for this year. Hardly news, of course; it is no secret that this plague is spreading farther and deeper by the hour. And same as last year Internet Auction Fraud continues to lead the peak of Cyber crimes with a percentage of 35.7%, according to Internet Crime Complaint Center (IC3).What far too many users fail to realize is that when something is purchased via an Internet auction, it is not bought from the auction house (say eBay or Amazon) but from an individual or company. The auction site – acting as a go-between – merely provides a forum where individuals can trade with one another, for more details visit to www.auction-professional.com and it usually adopts – and prominently displays – a firm policy of washing their hands of legal responsibility for any loss suffered from using their service.Once the bidding has concluded, the payment for and delivery of the goods bought and sold is negotiated between the purchaser and seller. If the item is not delivered after it is paid for or is not what was represented on the auction site, the auction house will not refund any money. It is up to the buyer to approach the seller to negotiate a fair and proper settlement. And if the buyer and seller reside in different countries, then the game of cat and mouse begins where the buyer is running after the seller. In such cases, legal matters also can be interpreted differently as the jurisdiction area might differ.Therefore, keep the following in mind when dealing with on-line auctions, or whenever you buy anything online:1. Understand as much as possible about how the auction works.2. Find out what actions the web site/company takes if a problem occurs.3. Learn as much as possible about the seller apart from an e-mail address. Use Search Engines, ask references, for more details visit to www.auction-words.com clarify from partners of the seller, etc.4. Examine the feedback on the seller. From previous customers or testimonials or from known sources.5. Determine what method of payment the seller is asking from you and where he/she is asking to send the payment.6. Make sure the online payment system is SSL certified.7. Look out for the settlement conditions if a problem occurs with the auction transaction. Carefully read Conditions of Use and Privacy Notice.8. Ask the seller about when delivery can be expected and the warranty conditions.9. Find out if shipping and delivery are included in the auction price.10. Never give out your Social Security Number to the seller.Internet has become the online shopping place for many. No doubt that it offers options in abundance, but one needs to be careful while dealing with online auctions to have a smooth and hassle free shopping experience.

eLearning – An idea whose time has come (BigGyan Cloud eLearning)

The people and the companies who ignore this fundamental business reality have and will lose huge amount of time and money. Today, IBM could have been in a position where they controlled the whole personal computer business (Microsoft plus Apple plus more). They lost the crucial first mover advantage to Apple. By the time they came to their nerves, Steve Jobs had got them labeled as uncreative, near-sighted, bureaucratic company and reduced them to a wannabe in PC business. From being the top company in technology business for about 50 years, IBM came to a near bankruptcy in early 1990s. Luckily, IBM got a second chance in 1990s when internet started to pick up lot of traction. And this time IBM did not screwed up. Under Louis V. Gerstner, IBM refocused its strategy that brought it back from brink of disaster.

Every age has a rage, for this age it is Internet. No matter what business you are in, internet is making everybody change. The bottom line is either you change with it and use it to your benefit or you will be eliminated from the business. As with any major technology, Internet has some issues too. Bernard Howe shows pros and cons of internet beautifully in his poem titled (no surprises here) – “The Internet”.

The internet is, a fountain of information. its available to everyone, in every nation. Pages for children to read and enjoy along with the spam which can really annoy. Poetry and forums for everyone’s pleasure just about anything, even selling your treasure. Its even used everyday in our schools it has lots of help and good learning tools. Ethics are used by those who do care and often free help with things we do share. Friendships has spread all over the earth I even made a friend who lives way down in Perth. I enjoy it so much, I think I’m addicted I think I was warned, as this was predicted.

In India and other countries, various sectors of economy like banking, telecom and large part of services industry as a whole have taken internet very seriously and reaped incredible benefits. We have learnt to do lot of things in our own life online – Communication and relationship (emails, social networks), Internet Banking, Online trading (shares, funds, investments) and so on. Nevertheless, how many of you have taken some form of education that incorporates use of internet. Probably very few. It is because somehow, the education sector as a whole did not took up internet as fast as other services. It is shocking at first because a large percentage of people in this sector are computer literate and use emails, social networks daily. Somehow, they are not using the internet when it comes to their work.

We at BigGyan researched for over 6 months to know the reasons for this. The result was shocking – unlike emails and social networking, there was no complete solution in the market for education sector. So the problem was not at the end of school administrators and teachers but at the end of solution providers! The software providers were providing the software but expected institutes to setup their own server or buy space on some host server to host the software, then install the software on the server, manage the software and then do time-consuming data entry before the solution was ready to be used. In short, eLearning solutions were in Stone Age when scaled on internet timescale. Let me give you an analogy using email to give a feel of the problem – It was like asking someone who wanted a simple email address to first buy space on a server, install and manage the email software before using the email. We all know we do not need to do any of this. Hotmail and then others made email so easy that anyone could use it.

Therefore, the goal we set for us was to make eLearning as simple as email.

We identified 8 reasons (blockers) that act as barriers for an institute from using eLearning in spite of knowing its benefits. We worked on our solution “BigGyan” for over 2 years to solve all the 8 problems. The result is simply unbelievable. We surpassed our own expectations, we have made eLearning so easy that even your mom (with due respect) can use it. Literally.

Here are the 8 blockers we identified and BigGyan solution for each of them.

Why you don’t want an eLearning solution?

BLOCKER 1

eLearning is a costly option. In general, this is true. Setting up an eLearning platform is a cost intensive task. eLearning platforms come at a huge cost, not to mention cost of maintaining software, upgrading software and setting up computer networks. For example – A typical installation of blackboard (an eLearning platform) will cost in the range of $200,000 plus yearly costs for upgrades.

BigGyan solution

BigGyan is the totally free. It is a feature rich eLearning platform with an elegant UI and a robust backend to provide a remarkable experience to the user. It leads to low cost of entry, lower total cost of ownership (TCO), elimination of capital expenditures and dramatic reduction in IT spending.

So now, the big question is how we do it. We have a unique way to provide the platform to institutes that reduces our costs dramatically to enable us to provide it for free. We make money on support services though.

BLOCKER 2

eLearning requires educational institutes to set up and manage computer network and software.

BigGyan solution

Managing software and computer networks is not a core task of educational institutes. Educational staff has more important tasks than to handle complexities of technology. We provide our eLearning platform based on SaaS (Software as a service). Users of the platform just need to log into our website and straight away start using the platform. We host the software on our website for you.

We strongly believe that it is right of a user to be a user. User needs to just use the platform; we manage the security issues, upgrade issues, daily backups. Basically, we are gmail of eLearning.

BLOCKER 3

Requires lot of training for admin staff, teachers and students

BigGyan solution

Our eLearning platform includes visual tools to create your lesson structure and add content, powerful online-test builders, communication tools (chat, forum and personal messages), content scheduling, activity tracking, announcements, content flows, cooperative content building, lesson rules, vertical views of the lesson and many more. No technical knowledge is necessary to create content or use it as a student, all tasks are performed with visual tools and editors. We provide with detailed training modules to use these visual tools.

BLOCKER 4

Is it really going to help students?

BigGyan solution

BigGyan brings in amazing addition to user/student experience.  Some of the advantages are:

• Enhancing student-to-student and faculty-to-student communication – Making students feel safe that they have support whenever required.

• Enabling student-centered teaching approaches.

• Providing 24X7 accessibility to course material.

• Providing just-in-time methods to assess and evaluate student progress.

The integration of web-based learning with classroom teaching adds value to traditional education. Students and faculty benefit from using the communication and assessment tools. Continual access to resources through online delivery and automated management tools minimizes the faculty’s cost and time associated with the experience. The advantages of eLearning make a significant impact in higher education today. As technology evolves, we are planning to deliver even greater benefits in the future. Currently, we working on providing mLearning (making BigGyan accessible on mobile), Facebook app, Orkut app and iPhone app.

Critical Analysis Of Web Crawlers’ Algorithms

 

Critical Analysis of Web Crawlers’ Algorithms

 Minou Parhizkar 0527553

Abstract- A web crawler is a program or automated script which browses the World Wide Web in a methodical, automated manner. The objective of the paper is to make a make a critical analysis of the algorithms used by Web Crawlers. It intends to review and evaluate the different and various approaches to the methods used by the different web search engines to catalog the information.

 

 

Index Terms-

Web Crawler, Search Engines, WWW, SEO

 

•I.     INTRODUCTION

 

The software that searches for information and returns sites which provide that information is referred to as a search engine or web crawler. Everyone uses web crawlers-indirectly, at least! Every time you search the Internet using a service such as Alta Vista, Excite, or Lycos, you’re making use of an index that’s based on the output of a web crawler. Web crawlers-also known as spiders, robots, or wanderers-are software programs that automatically traverse the Web. Search engines use crawlers to find what’s on the Web; then they construct an index of the pages that were found.

 

Search Engines use spiders to index websites. When you submit your website pages to a search engine by completing their required submission page, the search engine spider will index your entire site. A ‘spider’ is an automated program that is run by the search engine system. Spider visits a web site, read the content on the actual site, the site’s Meta tags and also follow the links that the site connects. The spider then returns all that information back to a central depository, where the data is indexed. It will visit each link you have on your website and index those sites as well. Some spiders will only index a certain number of pages on your site.

A spider is almost like a book where it contains the table of contents, the actual content and the links and references for all the websites it finds during its search, and it may index up to a million pages a day.

 

 

Example: Google spider

 

When you ask a search engine to locate information, it is actually searching through the index which it has created and not actually searching the Web. Different search engines produce different rankings because not every search engine uses the same algorithm to search through the indices.

One of the things that a search engine algorithm scans for is the frequency and location of keywords on a web page, but it can also detect artificial keyword stuffing or spamdexing. Then the algorithms analyze the way that pages link to other pages in the Web. By checking how pages link to each other, an engine can both determine what a page is about, if the keywords of the linked pages are similar to the keywords on the original page. Most of the top-ranked search engines are crawler based search engines while some may be based on human compiled directories. The people behind the search engines want the same thing every webmaster wants – traffic to their site. Since their content is mainly links to other sites, the thing for them to do is to make their search engine bring up the most relevant sites to the search query, and to display the best of these results first. In order to accomplish this, they use a complex set of rules called algorithms. When a search query is submitted at a search engine, sites are determined to be relevant or not relevant to the search query according to these algorithms, and then ranked in the order it calculates from these algorithms to be the best matches first.

Search engines keep their algorithms secret and change them often in order to prevent webmasters from manipulating their databases and dominating search results. They also want to provide new sites at the top of the search results on a regular basis rather than always having the same old sites show up month after month. An important difference to realize is that search engines and directories are not the same. Search engines use a spider to “crawl” the web and the web sites they find, as well as submitted sites. As they crawl the web, they gather the information that is used by their algorithms in order to rank your site.

This paper aims at critically analyzing various search engineers, how they work and comparing their algorithms.

•II.     Working of web crawlers – a detailed look up

Let us now look at a more detailed explanation on how Search Engines work. Crawler based search engines are primarily composed of three parts.

A search engine robot’s action is called spidering, as it resembles the multiple legged spiders. The spider’s job is to go to a web page, read the contents, connect to any other pages on that web site through links, and bring back the information. From one page it will travel to several pages and this proliferation follows several parallel and nested paths simultaneously. Spiders frequent the site at some interval, may be a month to a few months, and re-index the pages. This way any changes that may have occurred in your pages could also be reflected in the index. The spiders automatically visit your web pages and create their listings. An important aspect is to study what factors promote “deep crawl” – the depth to which the spider will go into your website from the page it first visited. Listing ’submitting or registering’ with a search engine is a step that could accelerate and increase the chances of that engine “spidering” your pages.

The spider’s movement across web pages stores those pages in its memory, but the key action is in indexing. The index is a huge database containing all the information brought back by the spider. The index is constantly being updated as the spider collects more information. The entire page is not indexed and the searching and page-ranking algorithm is applied only to the index that has been created. Most search engines claim that they index the full visible body text of a page. In a subsequent section, we explain the key considerations to ensure that indexing of your web pages improves relevance during search. The combined understanding of the indexing and the page-ranking process will lead to developing the right strategies. The Meta tags ‘Description’ and ‘Keywords’ have a vital role as they are indexed in a specific way. Some of the top search engines do not index the keywords that they consider spam. They will also not index certain ’stop words’ (commonly used words such as ‘a’ or ‘the’ or ‘of’” so as to save space or speed up the process. Images are obviously not indexed, but image descriptions or Alt text or “text within comments” is included in the index by some search engines.

The search engine software or program is the final part. When a person requests a search on a keyword or phrase, the search engine software searches the index for relevant information. The software then provides a report back to the searcher with the most relevant web pages listed first. The algorithm-based processes used to determine ranking of results are discussed in greater detail later.

These directories compile listings of websites into specific industry and subject categories and they usually carry a short description about the website. Inclusion in directories is a human task and requires submission to the directory producers. Visitors and researchers over the net quite often use these directories to locate relevant sites and information sources. Thus directories assist in structured search. Another important reason is that crawler engines quite often find websites to crawl through their listing and links in directories. Yahoo and The Open Directory are amongst the largest and most well known directories. LookSmart is a directory that provides results to partner sites such as MSN Search, Excite and others. Lycos is an example of a site that pioneered the search engine but shifted to the Directory model depending on AlltheWeb.com for its listings.

Hybrid Search Engines are both crawler based as well as human powered. In plain words, these search engines have two sets of listings based on both the mechanisms mentioned above. The best example of hybrid search engines is Yahoo, which has got a human powered directory as well as a Search toolbar administered by Google. Although, such engines provide both listings they are generally dominated by one of the two mechanisms. Yahoo is known more for its directory rather than crawler based search engine.

Search engines rank web pages according to the software’s understanding of the web page’s relevancy to the term being searched. To determine relevancy, each search engine follows its own group of rules. The most important rules are.

- The location of keywords on your web page; and – How often those keywords appear on the page ‘the frequency’

For example, if the keyword appears in the title of the page, then it would be considered to be far more relevant than the keyword appearing in the text at the bottom of the page. Search engines consider keywords to be more relevant if they appear sooner on the page (like in the headline) rather than later. The idea is that you’ll be putting the most important words – the ones that really have the relevant information – on the page first.

Search engines also consider the frequency with which keywords appear. The frequency is usually determined by how often the keywords are used out of all the words on a page. If the keyword is used 4 times out of 100 words, the frequency would be 4%. Of course, you can now develop the perfect relevant page with one keyword at 100% frequency – just put a single word on the page and make it the title of the page as well. Unfortunately, the search engines don’t make things that simple.

While all search engines do follow the same basic rules of relevancy, location and frequency, each search engine has its own special way of determining rankings. To make things more interesting, the search engines change the rules from time to time so that the rankings change even if the web pages have remained the same. One method of determining relevancy used by some search engines ‘like HotBot and Infoseek’, but not others ‘like Lycos’, is the Meta tags. Meta tags are hidden HTML codes that provide the search engine spiders with potentially important information like the page description and the page keywords.

Meta tags are often labeled as the secret to getting high rankings, but Meta tags alone will not get you a top 10 ranking. On the other hand, they certainly don’t hurt. Detailed information on meta-tags and other ways of improving search engine ranking is given later in this chapter.

In the early days of the web, webmasters would repeat a keyword hundreds of times in the Meta tags and then add it hundreds of times to the text on the web page by making it the same color as the background. However, now, major search engines have algorithms that may exclude a page from ranking if it has resorted to “keyword spamming”; in fact some search engines will downgrade ranking in such cases and penalize the page.

Link analysis and ‘clickthrough’ measurement are certain other factors that are “off the page” and yet crucial in the ranking mechanism adopted by some leading search engines. This is quickly emerging as the most important determinant of ranking, but before we study this, we must first look at the most popular search engines and then look at the various steps you can take to improve your success at each of the stages – spidering, indexing and ranking.

For March 2003, according to a study by Jupiter Media Metrix, there were an estimated 114 million Internet users online in the US at work or at home, 80 percent of whom are estimated to have made some type of search request during the month.

•III.     a summarised comparison OF SEARCH engines

Yahoo!

MSN Search

Google

Ask

•IV.     Detailed Analysis of Search Engines

Now that we have understood the working and basics of web crawlers and reviewed a summarized comparison of a few major search engines out in the market, now we are in a position to have a detailed analysis and comparison between these and get into nitty gritty technical details. The sections below will deal with each of these engines one by one with a detailed analysis.

•V.     Yahoo!

 

Yahoo! was founded in 1994 by David Filo and Jerry Yang as a directory of websites. For many years they outsourced their search service to other providers, but by the end of 2002 they realized the importance and value of search and started aggressively acquiring search companies.

Overture purchased AllTheWeb and AltaVista. Yahoo! purchased Inktomi (in December 2002) and then consumed Overture (in July of 2003), and combined the technologies from the various search companies they bought to make a new search engine.

•a)                   On Page Content

Yahoo! offers a paid inclusion program, so when Yahoo! Search users click on high ranked paid inclusion results in the organic search results Yahoo! profits. In part to make it easy for paid inclusion participants to rank, I believe Yahoo! places greater weight on on-the-page content than a search engine like Google does.

Being the #1 content destination site on the web, Yahoo! has a boatload of their own content which they frequently reference in the search results. Since they have so much of their own content and make money from some commercial organic search results it might make sense for them to bias their search results a bit toward commercial websites.

Using descriptive page titles and page content goes a long way in Yahoo!

In my opinion their results seem to be biased more toward commerce than informational sites, when compared with Google.

•b)                   Crawling

Yahoo! is pretty good at crawling sites deeply so long as they have sufficient link popularity to get all their pages indexed. One note of caution is that Yahoo! may not want to deeply index sites with many variables in the URL string, especially since

You can use Yahoo! Site Explorer to see how well they are indexing your site and which sites link at your site.

•c)                   Query Processing

Certain words in a search query are better at defining the goals of the searcher. If you search Yahoo! for something like “how to SEO ” many of the top ranked results will have “how to” and “SEO” in the page titles, which might indicate that Yahoo! puts quite a bit of weight even on common words that occur in the search query.

Yahoo! seems to be more about text matching when compared to Google, which seems to be more about concept matching.

•d)                   Link Reputation

Yahoo! is still fairly easy to manipulate using low to mid quality links and somewhat to aggressively focused anchor text. Rand Fishken recently posted about many Technorati pages ranking well for their core terms in Yahoo!. Those pages primarily have the exact same anchor text in almost all of the links pointing at them.

Sites with the trust score of Technorati may be able to get away with more unnatural patterns than most webmasters can, but I have seen sites flamethrown with poorly mixed anchor text on low quality links, only to see the sites rank pretty well in Yahoo! quickly.

•e)                   Page vs Site

A few years ago at a Search Engine Strategies conference Jon Glick stated that Yahoo! looked at both links to a page and links to a site when determining the relevancy of a page. Pages on newer sites can still rank well even if their associated domain does not have much trust built up yet so long as they have some descriptive inbound links.

•f)                    Site Age

Yahoo! may place some weight on older sites, but the effect is nowhere near as pronounced as the effect in Google’s SERPs.

It is not unreasonable for new sites to rank in Yahoo! in as little as 2 or 3 months.

•g)                   Paid Search

Yahoo! prices their ads in an open auction, with the highest bidder ranking the highest. By early 2007 they aim to make Yahoo! Search Marketing more of a closed system which factors in clickthrough rate (and other algorithmic factors) into their ad ranking algorithm.

Yahoo! also offers a paid inclusion program which charges a flat rate per click to list your site in Yahoo!’s organic search results.

Yahoo! also offers a contextual ad network. The Yahoo! Publisher program does not have the depth that Google’s ad system has, and they seem to be trying to make up for that by biasing their targeting to more expensive ads, which generally causes their syndicated ads to have a higher click cost but lower average clickthrough rate.

•h)                   Editorial

Yahoo! has many editorial elements to their search product. When a person pays for Yahoo! Search Submit that content is reviewed to ensure it matches Yahoo!’s quality guidelines. Sites submitted to the Yahoo! Directory are reviewed for quality as well.

In addition to those two forms of paid reviews, Yahoo! also frequently reviews their search results in many industries. For competitive search queries some of the top search results may be hand coded. If you search for Viagra, for example, the top 5 listings looked useful, and then I had to scroll down to #82 before I found another result that wasn’t spammy.

Yahoo! also manually reviews some of the spammy categories somewhat frequently and then reviews other samples of their index. Sometimes you will see a referral like http://corp.yahoo-inc.com/project/health-blogs/keepers if they reviewed your site and rated it well.

Sites which have been editorially reviewed and were of decent quality may be given a small boost in relevancy score. Sites which were reviewed and are of poor quality may be demoted in relevancy or removed from the search index.

Yahoo! has published their content quality guidelines. Some sites that are filtered out of search results by automated algorithms may return if the site cleans up the associated problems, but typically if any engine manually reviews your site and removes it for spamming you have to clean it up and then plead your case.

•i)                    Social Aspects

Yahoo! firmly believes in the human aspect of search. They paid many millions of dollars to buy Del.icio.us, a social bookmarking site. They also have a similar product native to Yahoo! called My Yahoo!

Yahoo! has also pushed a question answering service called Yahoo! Answers which they heavily promote in their search results and throughout their network. Yahoo! Answers allows anyone to ask or answer questions. Yahoo! is also trying to mix amateur content from Yahoo! Answers with professionally sourced content in verticals such as Yahoo! Tech.

•j)                    Yahoo! SEO Tools

Yahoo! has a number of useful SEO tools.

•k)                   Yahoo! Business Perspectives

Being the largest content site on the web makes Yahoo! run into some inefficiency issues due to being a large internal customer. For example, Yahoo! Shopping was a large link buyer for a period of time while Yahoo! Search pushed that they didn’t agree with link buying. Offering paid inclusion and having so much internal content makes it make sense for Yahoo! to have a somewhat commercial bias to their search results.

They believe strongly in the human and social aspects of search, pushing products like Yahoo! Answers and My Yahoo!.

I think Yahoo!’s biggest weakness is the diverse set of things that they do. In many fields they not only have internal customers, but in some fields they have product duplication, like with Yahoo! My Web and Del.icio.us. 

•l)                    Search Marketing Perspective

I believe if you do standard textbook SEO practices and actively build quality links it is reasonable to expect to be able to rank well in Yahoo! within 2 or 3 months. If you are trying to rank for highly spammed keyword phrases keep in mind that the top 5 or so results may be editorially selected, but if you use longer tail search queries or look beyond the top 5 for highly profitable terms you can see that many people are indeed still spamming them to bits.

As Yahoo! pushes more of their vertical offerings it may make sense to give your site and brand additional exposure to Yahoo!’s traffic by doing things like providing a few authoritative answers to topically relevant questions on Yahoo! Answers.

•VI.     Msn Search

MSN Search had many incarnations, being powered by the likes of Inktomi and Looksmart for a number of years. After Yahoo! bought Inktomi and Overture it was obvious to Microsoft that they needed to develop their own search product. They launched their technology preview of their search engine around July 1st of 2004. They formally switched from Yahoo! organic search results to their own in house technology on January 31st, 2005.

•a)                   On Page Content

Using descriptive page titles and page content goes a long way to help you rank in MSN. I have seen examples of many domains that ranked for things like

state name+ insurance type + insurance

on sites that were not very authoritative which only had a few instances of state name and insurance as the anchor text. Adding the word health, life, etc. to the page title made the site relevant for those types of insurance, in spite of the site having few authoritative links and no relevant anchor text for those specific niches.

Additionally, internal pages on sites like those can rank well for many relevant queries just by being hyper focused, but MSN currently drives little traffic when compared with the likes of Google.

•b)                   Crawling

MSN has got better at crawling, but I still think Yahoo! and Google are much better at crawling. It is best to avoid session IDs, sending bots cookies, or using many variables in the URL strings. MSN is nowhere near as comprehensive as Yahoo! or Google at crawling deeply through large sites like eBay.com or Amazon.com.

•c)                   Query Processing

I believe MSN might be a bit better than Yahoo! at processing queries for meaning instead of taking them quite so literally, but I do not believe they are as good as Google is at it.

While MSN offers a tool that estimates how commercial a page or query is I think their lack of ability to distinguish quality links from low quality links makes their results exceptionally biased toward commercial results.

•d)                   Link Reputation

By the time Microsoft got in the search game the web graph was polluted with spammy and bought links. Because of this, and Microsoft’s limited crawling history, they are not as good as the other major search engines at telling the difference between real organic citations and low quality links.

MSN search reacts much more quickly than the other engines at ranking new sites due to link bursts. Sites with relatively few quality links that gain enough descriptive links are able to quickly rank in MSN. I have seen sites rank for one of the top few dozen most expensive phrases on the net in about a week.

•e)                   Page vs Site

I think all major search engines consider site authority when evaluating individual pages, but with MSN it seems as though you do not need to build as much site authority as you would to rank well in the other engines.

•f)                    Site Age

Due to MSN’s limited crawling history and the web graph being highly polluted before they got into search they are not as good as the other engines at determining age related trust scores. New sites doing general textbook SEO and acquiring a few descriptive inbound links (perhaps even low quality links) can rank well in MSN within a month.

•g)                   Paid Search

Microsoft’s paid search product, AdCenter, is the most advanced search ad platform on the web. Like Google, MSN ranks ads based on both max bid price and ad clickthrough rate. In addition to those relevancy factors MSN also allows you to place adjustable bids based on demographic details. For example, a mortgage lead from a wealthy older person might be worth more than an equivalent search from a younger and poorer person.

•h)                   Editorial

All major search engines have internal relevancy measurement teams. MSN seems to be highly lacking in this department, or they are trying to use the fact that their search results are spammy as a marketing angle.

MSN is running many promotional campaigns to try to get people to try out MSN Search, and in many cases some of the searches they are sending people to have bogus spam or pornography type results in them. A good example of this is when they used Stacey Kiebler to market their Celebrity Maps product. As of writing this, their top search result for Stacey Kiebler is still pure spam.

Based on MSN’s lack of feedback or concern toward the obvious search spam noted above on a popular search marketing community site I think MSN is trying to automate much of their spam detection, but it is not a topic you see people talk about very often. Here are MSN’s Guidelines for Successful Indexing, but they still have a lot of spam in their search results. ;)

•i)                    Social Aspects

Microsoft continues to lag in understanding what the web is about. Executives there should read The Cluetrain Manifesto. Twice.Or maybe three times.

They don’t get the web. They are a software company posing as a web company.

They launch many products as though they have the market stranglehold monopolies they once enjoyed, and as though they are not rapidly losing them. Many of Microsoft’s most innovative moves get little coverage because when they launch key products they often launch them without supporting other browsers and trying to lock you into logging in to Microsoft.

•j)                    MSN SEO Tools

MSN has a wide array of new and interesting search marketing tools. Their biggest limiting factor with them is that they have limited search market share.

Some of the more interesting tools are

You can view more of their tools under the demo section at Microsoft’s Adlab.

•VII.     Google Search

Google sprang out of a Stanford research project to find authoritative link sources on the web. In January of 1996 Larry Page and Sergey Brin began working on BackRub.

After they tried shopping the Google search technology to no avail they decided to set up their own search company. Within a few years of forming the company they won distribution partnerships with AOL and Yahoo! that helped build their brand as the industry leader in search. Traditionally search was viewed as a loss leader.

Google did not have a profitable business model until the third iteration of their popular AdWords advertising program in February of 2002, and was worth over 100 billion dollars by the end of 2005.

•a)                   On Page Content

If a phrase is obviously targeted (ie: the exact same phrase is in most of the following location: in most of your inbound links, internal links, at the start of your page title, at the beginning of your first page header, etc.) then Google may filter the document out of the search results for that phrase. Other search engines may have similar algorithms, but if they do those algorithms are not as sophisticated or aggressively deployed as those used by Google.

Google is scanning millions of books, which should help them create an algorithm that is pretty good at differentiating real text patterns from spammy manipulative text (although I have seen many garbage content cloaked pages ranking well in Google, especially for 3 and 4 word search queries).

You need to write naturally and make your copy look more like a news article than a heavily SEOed page if you want to rank well in Google. Sometimes using less occurrences of the phrase you want to rank for will be better than using more.

You also want to sprinkle modifiers and semantically related text in your pages that you want to rank well in Google.

Some of Google’s content filters may look at pages on a page by page basis while others may look across a site or a section of a site to see how similar different pages on the same site are. If many pages are exceptionally similar to content on your own site or content on other sites Google may be less willing to crawl those pages and may throw them into their supplemental index. Pages in the supplemental index rarely rank well, since generally they are trusted far less than pages in the regular search index.

Duplicate content detection is not just based on some magical percentage of similar content on a page, but is based on a variety of factors. Both Bill Slawski and Todd Malicoat offer great posts about duplicate content detection. This shingles PDF explains some duplicate content detection techniques.

•b)                   Crawling

While Google is more efficient at crawling than competing engines, it appears as though with Google’s BigDaddy update they are looking at both inbound and outbound link quality to help set crawl priority, crawl depth, and weather or not a site even gets crawled at all. To quote Matt Cutts:

The sites that fit “no pages in Bigdaddy” criteria were sites where our algorithms had very low trust in the inlinks or the outlinks of that site. Examples that might cause that include excessive reciprocal links, linking to spammy neighborhoods on the web, or link buying/selling.

In the past crawl depth was generally a function of PageRank (PageRank is a measure of link equity – and the more of it you had the better you would get indexed), but now adding in this crawl penalty for having an excessive portion of your inbound or outbound links pointing into low quality parts of the web creates an added cost which makes dealing in spammy low quality links far less appealing for those who want to rank in Google.

•c)                   Query Processing

While I mentioned above that Yahoo! seemed to have a bit of a bias toward commercial search results it is also worth noting that Google’s organic search results are heavily biased toward informational websites and web pages.

Google is much better than Yahoo! or MSN at determining the true intent of a query and trying to match that instead of doing direct text matching. Common words like how to may be significantly deweighted compared to other terms in the search query that provide a better discrimination value.

Google and some of the other major search engines may try to answer many common related questions to the concept being searched for. For example, in a given set of search results you may see any of the following:

Some of the top results may answer specific relevant queries or be hard to beat, while others might be easy to compete with. You just have to think of how and why each result was chosen to be in the top 10 to learn which one you will be competing against and which ones may perhaps fall away over time.

•d)                   Link Reputation

PageRank is a weighted measure of link popularity, but Google’s search algorithms have moved far beyond just looking at PageRank.

As mentioned above, gaining an excessive number of low quality links may hurt your ability to get indexed in Google, so stay away from known spammy link exchange hubs and other sources of junk links. I still sometimes get a few junk links, but I make sure that I try to offset any junky link by getting a greater number of good links.

If your site ranks well some garbage automated links will end up linking to you weather you like it or not. Don’t worry about those links, just worry about trying to get a few real high quality editorial links.

Google is much better at being able to determine the difference between real editorial citations and low quality, spammy, bought, or artificial links.

When determining link reputation Google (and other engines) may look at

It is generally believed that .edu and .gov links are trusted highly in Google because they are generally harder to influence than the average .com link, but keep in mind that there are some junky .edu links too (I have seen stuff like .edu casino link exchange directories).

When getting links for Google it is best to look in virgin lands that have not been combed over heavily by other SEOs. Either get real editorial citations or get citations from quality sites that have not yet been abused by others. Google may strip the ability to pass link authority (even from quality sites) if those sites are known obvious link sellers or other types of link manipulators. Make sure you mix up your anchor text and get some links with semantically related text.

Google likely collects usage data via Google search, Google Analytics, Google AdWords, Google AdSense, Google news, Google accounts, Google notebook, Google calendar, Google talk, Google’s feed reader, Google search history annotations, and Gmail. They also created a Firefox browser bookmark synch tool, an anti-phishing tool which is built into Firefox and have relationships with the Opera (another web browser company). Most likely they can lay some of this data over the top of the link graph to record a corroborating source of the legitimacy of the linkage data. Other search engines may also look at usage data.

•e)                   Page vs Site

Sites need to earn a certain amount of trust before they can rank for competitive search queries in Google. If you put up a new page on a new site and expect it to rank right away for competitive terms you are probably going to be disappointed.

If you put that exact same content on an old trusted domain and link to it from another page on that domain it can leverage the domain trust to quickly rank and bypass the concept many people call the Google Sandbox.

Many people have been exploiting this algorithmic hole by throwing up spammy subdomains on free hosting sites or other authoritative sites that allow users to sign up for a cheap or free publishing account. This is polluting Google’s SERPs pretty bad, so they are going to have to make some major changes on this front pretty soon.

•f)                    Site Age

Google filed a patent about information retrieval based on historical data which stated many of the things they may look for when determining how much to trust a site. Many of the things I mentioned in the link section above are relevant to the site age related trust (ie: to be well trusted due to site age you need to have at least some link trust score and some age score).

I have seen some old sites with exclusively low quality links rank well in Google based primarily on their site age, but if a site is old AND has powerful links it can go a long way to helping you rank just about any page you write (so long as you write it fairly naturally).

Older trusted sites may also be given a pass on many things that would cause newer lesser trusted sites to be demoted or de-indexed.

The Google Sandbox is a concept many SEOs mention frequently. The idea of the ‘box is that new sites that should be relevant struggle to rank for some queries they would be expected to rank for. While some people have debunked the existence of the sandbox as garbage, Google’s Matt Cutts said in an interview that they did not intentionally create the sandbox effect, but that it was created as a side effect of their algorithms:

“I think a lot of what’s perceived as the sandbox is artefacts where, in our indexing, some data may take longer to be computed than other data.”

•g)                   Paid Search

Google AdWords factors in max bid price and clickthrough rate into their ad algorithm. In addition they automate reviewing landing page quality to use that as another factor in their ad relevancy algorithm to reduce the amount of arbitrage and other noisy signals in the AdWords program.

The Google AdSense program is an extension of Google AdWords which offers a vast ad network across many content websites that distribute contextually relevant Google ads. These ads are sold on a cost per click or flat rate CPM basis.

•h)                   Editorial

Google is known to be far more aggressive with their filters and algorithms than the other search engines are. They are known to throw the baby out with the bath water quite often. They flat out despise relevancy manipulation, and have shown they are willing to trade some short term relevancy if it guides people along toward making higher quality content.

Short term if your site is filtered out of the results during an update it may be worth looking into common footprints of sites that were hurt in that update, but it is probably not worth changing your site structure and content format over one update if you are creating true value add content that is aimed at your customer base. Sometimes Google goes too far with their filters and then adjusts them back.

Google published their official webmaster guidelines and their thoughts on SEO. Matt Cutts is also known to publish SEO tips on his personal blog. Keep in mind that Matt’s job as Google’s search quality leader may bias his perspective a bit.

Google Sitemaps gives you a bit of useful information from Google about what keywords your site is ranking for and which keywords people are clicking on your listing.

•i)                    Social Aspects

Google allows people to write notes about different websites they visit using Google Notebook. Google also allows you to mark and share your favorite feeds and posts. Google also lets you flavorize search boxes on your site to be biased towards the topics your website covers.

Google is not as entrenched in the social aspects of search as much as Yahoo! is, but Google seems to throw out many more small tests hoping that one will perhaps stick.They are trying to make software more collaborative and trying to get people to share things like spreadsheets and calendars, while also integrating chat into email. If they can create a framework where things mesh well they may be able to gain further marketshare by offering free productivity tools.

•j)                    Google SEO Tools

•k)                   Business Perspectives

Google has the largest search distribution, the largest ad network, and by far the most efficient search ad auction. They have aggressively extended their brand and amazing search distribution network through partnerships with small web publishers, traditional media companies, portals like AOL, computer and other hardware manufacturers such as Dell, and popular web browsers such as Firefox and Opera.

I think Google’s biggest strength is also their biggest weakness. With some aspects of business they are exceptionally idealistic. While that may provide them an amazingly cheap marketing vehicle for spreading their messages and core beliefs it could also be part of what unravels Google.

As they throw out bits of their relevancy in an attempt to keep their algorithm hard to manipulate they create holes where competing search businesses can become more efficient.

In the real world there are celebrity endorsements. Google’s idealism associated with their hatred toward bought links and other things which act similarly to online celebrity endorsements may leave holes in their algorithms, business model, and business philosophy that allows a competitor to sneak in and grab a large segment of the market by factoring the celebrity endorsement factor into being part of the way that businesses are marketed.

•VIII.     Ask Search

Ask was originally created as Ask Jeeves, and was founded by Garrett Gruener and David Warthen in 1996 and launched in April of 1997. It was a natural query processing engine that used editors to match common search queries, and backfilled the search results via a meta search engine that searched other popular engines.

As the web scaled and other search technologies improved Ask Jeeves tried using other technologies, such as Direct Hit (which roughly based popularity on page views until it was spammed to death), and then in 2001 they acquired Teoma, which is the core search technology they still use today. In March of 2005 InterActive Corp. announced they were buying Ask Jeeves, and by March of 2006 they dumped Jeeves, changing the brand to Ask.

•a)                   On Page Content

For topics where there is a large community Ask is good at matching concepts and authoritative sources. Where those communities do not exist Ask relies a bit much on the on page content and is pretty susceptible to repetitive keyword dense search spam.

•b)                   Crawling

Ask is generally slower at crawling new pages and sites than the other major engines are. They also own Bloglines, which gives them incentive to quickly index popular blog content and other rapidly updated content channels.

•c)                   Query Processing

I believe Ask has a heavy bias toward topical authority sites independent of anchor text or on the page content. This has a large effect on the result set the provide for any query in that it creates a result set that is more conceptually and community oriented than keyword oriented.

•d)                   Link Reputation

Ask is focused on topical communities using a concept they call Subject-Specific PopularitySM. This means that if you are entering a saturated or hyper saturated field that Ask will generally be one of the slowest engines to rank your site since they will only trust it after many topical authorities have shown they trusted it by citing it. Due to their heavy bias toward topical communities, for generic search they seem to be far more biased on how many quality related citations you have than looking as much at anchor text. For queries where there is not much of a topical community their relevancy algorithms are nowhere near as sharp.

•e)                   Page vs Site

Pages on a well referenced trusted site tend to rank better than one would expect. For example, I saw some spammy press releases on a popular press release site ranking well for some generic SEO related queries. Presumably many companies link to some of their press release pages and this perhaps helps those types of sites be seen as community hubs.

•f)                    Site Age

Directly I do not believe it is much of a factor. Indirectly I believe it is important in that it usually takes some finite amount of time to become a site that is approved by your topical peers.

•g)                   Paid Search

Ask gets most of their paid search ads from Google AdWords. Some ad buyers in verticals where Ask users convert well may also want to buy ads directly from Ask. Ask will only place their internal ads above the Google AdWords ads if they feel the internal ads will bring in more revenue.

•h)                   Editorial

Ask heavily relies upon the topical communities and industry experts to in essence be the editors of their search results. They give an overview of their ExpertRank technology on their web search FAQ page. While they have such limited distribution that few people talk about their search spam policies they reference a customer feedback form on their editorial guidelines page.

•i)                    Social Aspects

Ask is a true underdog in the search space. While they offer Bloglines and many of the save a search personalization type features that many other search companies offer they do not have the critical mass of users that some of the other major search companies have.

•j)                    Ask SEO Tools

Ask search results show related search phrases in the right hand column. Due to the nature of their algorithms Ask is generally not good at offering link citation searches, but recently their Bloglines service has allowed you to look for blog citations by authority, date, or relevance.

•IX.     Technical Working of a Search Engine – Taking Google as example

•1)     Google Architecture Overview

 

In this section, we will give a high level overview of how the whole system works as pictured in Figure below. Further sections will discuss the applications and data structures not mentioned in this section. Most of Google is implemented in C or C++ for efficiency and can run in either Solaris or Linux.

 

 

In Google, the web crawling (downloading of web pages) is done by several distributed crawlers. There is a URLserver that sends lists of URLs to be fetched to the crawlers. The web pages that are fetched are then sent to the storeserver. The storeserver then compresses and stores the web pages into a repository. Every web page has an associated ID number called a docID which is assigned whenever a new URL is parsed out of a web page. The indexing function is performed by the indexer and the sorter. The indexer performs a number of functions. It reads the repository, uncompresses the documents, and parses them. Each document is converted into a set of word occurrences called hits. The hits record the word, position in document, an approximation of font size, and capitalization. The indexer distributes these hits into a set of “barrels”, creating a partially sorted forward index. The indexer performs another important function. It parses out all the links in every web page and stores important information about them in an anchors file. This file contains enough information to determine where each link points from and to, and the text of the link.

The URLresolver reads the anchors file and converts relative URLs into absolute URLs and in turn into docIDs. It puts the anchor text into the forward index, associated with the docID that the anchor points to. It also generates a database of links which are pairs of docIDs. The links database is used to compute PageRanks for all the documents.

The sorter takes the barrels, which are sorted by docID, and resorts them by wordID to generate the inverted index. This is done in place so that little temporary space is needed for this operation. The sorter also produces a list of wordIDs and offsets into the inverted index. A program called DumpLexicon takes this list together with the lexicon produced by the indexer and generates a new lexicon to be used by the searcher. The searcher is run by a web server and uses the lexicon built by DumpLexicon together with the inverted index and the PageRanks to answer queries.

 

•2)     Major Data Structures

 

Google’s data structures are optimized so that a large document collection can be crawled, indexed, and searched with little cost. Although, CPUs and bulk input output rates have improved dramatically over the years, a disk seek still requires about 10 ms to complete. Google is designed to avoid disk seeks whenever possible, and this has had a considerable influence on the design of the data structures.

•a)                   BigFiles

 

BigFiles are virtual files spanning multiple file systems and are addressable by 64 bit integers. The allocation among multiple file systems is handled automatically. The BigFiles package also handles allocation and deallocation of file descriptors, since the operating systems do not provide enough for our needs. BigFiles also support rudimentary compression options.

•b)                    Repository

  

The repository contains the full HTML of every web page. Each page is compressed using zlib. The choice of compression technique is a tradeoff between speed and compression ratio. We chose zlib’s speed over a significant improvement in compression offered by bzip. The compression rate of bzip was approximately 4 to 1 on the repository as compared to zlib’s 3 to 1 compression. In the repository, the documents are stored one after the other and are prefixed by docID, length, and URL as can be seen in Figure below. The repository requires no other data structures to be

 

 

 

used in order to access it. This helps with data consistency and makes development much easier; we can rebuild all the other data structures from only the repository and a file which lists crawler errors.

•c)                   Document Index

 

The document index keeps information about each document. It is a fixed width ISAM (Index sequential access mode) index, ordered by docID. The information stored in each entry includes the current document status, a pointer into the repository, a document checksum, and various statistics. If the document has been crawled, it also contains a pointer into a variable width file called docinfo which contains its URL and title. Otherwise the pointer points into the URLlist which contains just the URL. This design decision was driven by the desire to have a reasonably compact data structure, and the ability to fetch a record in one disk seek during a search

Additionally, there is a file which is used to convert URLs into docIDs. It is a list of URL checksums with their corresponding docIDs and is sorted by checksum. In order to find the docID of a particular URL, the URL’s checksum is computed and a binary search is performed on the checksums file to find its docID. URLs may be converted into docIDs in batch by doing a merge with this file. This is the technique the URLresolver uses to turn URLs into docIDs. This batch mode of update is crucial because otherwise we must perform one seek for every link which assuming one disk would take more than a month for our 322 million link dataset.

•d)                   Lexicon

 

The lexicon has several different forms. One important change from earlier systems is that the lexicon can fit in memory for a reasonable price. In the current implementation we can keep the lexicon in memory on a machine with 256 MB of main memory. The current lexicon contains 14 million words (though some rare words were not added to the lexicon). It is implemented in two parts — a list of the words (concatenated together but separated by nulls) and a hash table of pointers. For various functions, the list of words has some auxiliary information which is beyond the scope of this paper to explain fully.

•e)                   Hit Lists

A hit list corresponds to a list of occurrences of a particular word in a particular document including position, font, and capitalization information. Hit lists account for most of the space used in both the forward and the inverted indices. Because of this, it is important to represent them as efficiently as possible. We considered several alternatives for encoding position, font, and capitalization — simple encoding (a triple of integers), a compact encoding (a hand optimized allocation of bits), and Huffman coding. In the end we chose a hand optimized compact encoding since it required far less space than the simple encoding and far less bit manipulation than Huffman coding. The details of the hits are shown in Figure below.

 

 

Our compact encoding uses two bytes for every hit. There are two types of hits: fancy hits and plain hits. Fancy hits include hits occurring in a URL, title, anchor text, or meta tag. Plain hits include everything else. A plain hit consists of a capitalization bit, font size, and 12 bits of word position in a document (all positions higher than 4095 are labeled 4096). Font size is represented relative to the rest of the document using three bits (only 7 values are actually used because 111 is the flag that signals a fancy hit). A fancy hit consists of a capitalization bit, the font size set to 7 to indicate it is a fancy hit, 4 bits to encode the type of fancy hit, and 8 bits of position. For anchor hits, the 8 bits of position are split into 4 bits for position in anchor and 4 bits for a hash of the docID the anchor occurs in. This gives us some limited phrase searching as long as there are not that many anchors for a particular word. We expect to update the way that anchor hits are stored to allow for greater resolution in the position and docIDhash fields. We use font size relative to the rest of the document because when searching, you do not want to rank otherwise identical documents differently just because one of the documents is in a larger font.

 

The length of a hit list is stored before the hits themselves. To save space, the length of the hit list is combined with the wordID in the forward index and the docID in the inverted index. This limits it to 8 and 5 bits respectively (there are some tricks which allow 8 bits to be borrowed from the wordID). If the length is longer than would fit in that many bits, an escape code is used in those bits, and the next two bytes contain the actual length.

•f)                    Forward Index

 

The forward index is actually already partially sorted. It is stored in a number of barrels (we used 64). Each barrel holds a range of wordID’s. If a document contains words that fall into a particular barrel, the docID is recorded into the barrel, followed by a list of wordID’s with hitlists which correspond to those words. This scheme requires slightly more storage because of duplicated docIDs but the difference is very small for a reasonable number of buckets and saves considerable time and coding complexity in the final indexing phase done by the sorter. Furthermore, instead of storing actual wordID’s, we store each wordID as a relative difference from the minimum wordID that falls into the barrel the wordID is in. This way, we can use just 24 bits for the wordID’s in the unsorted barrels, leaving 8 bits for the hit list length.

•g)  

Commercial Real Estate in Hong Kong

Spread across an area of 1,092 square kilometers, Hong Kong is the Special Administrative Region of China. Apart from being a hot tourist destination, Hong Kong is also an economic as well as trade center.
Due to its excellent legal and banking systems, many overseas business firms have made Hong Kong as their regional headquarters. This in turn has tremendously increased the demand for Hong Kong’s commercial real estate, including office spaces, shopping malls, and retail stores.
The worldwide demand for commercial spaces also comes from arenas including law firms, financial institutions, and accountants. In addition to overseas investors, a growing number of mainland companies are also taking up office spaces in Hong Kong. In short, commercial real estate in Hong Kong has now turned out to be a demand-driven scenario. As a result, in recent years, the sale price of commercial property has been pushed up. Further, the rents charged on commercial real estate are exceptionally high, ranging from HK$22 to HK$105 per square foot per month.
Investing in commercial real estate in Hong Kong provides great benefits to investors. One of the prime benefits of investing in a Hong Kong commercial property is that it provides you access to one of the world’s established markets. Another great benefit of investing in a commercial property is that not any kind of restrictions have been imposed on international investors to buy a property or asset. Further, purchasing a commercial real estate in Hong Kong is considered one of the best options for long term investment, as it can undoubtedly fetch you huge profits by way of renting and leasing.
Above all, the laws and regulations in connection with the process of buying commercial real estate are quite simple and liberal. Once you have found an appropriate property, an Agreement of Sale and Purchase would be signed between the property owner and investor, and this completes the sale procedure.
The buying processes related to the purchase of commercial property in Hong Kong are administered by the Conveyancing and Ordinance, which is structured in the form of English Law. In other words, the real estate law of Hong Kong is akin to one found in the UK, which in turn has attracted many American and British commercial real estate investors.
One of the unique things regarding the Hong Kong Property Law is that all of the land found here belongs to government, ie, each of the real estate in Hong Kong is held under leasehold title. Hence, those who are interested in property investment buy an agreement or a lease for a period ranging from 50 to 999 years.
A real estate or property in Hong Kong can be either solely owned by one person or through jointly by several investors. However, joint investment may be usually in the form of tenant or a joint tenancy. Further, a property can also be owned through a company structure. But, in case, if a company would like to conduct its business through the purchase of a property on lease, then it should be registered with the Hong Kong Companies Registry. In addition, every type of lease should be listed at the Hong Kong’ Land Registry.
A plethora of real estate firms now operate in Hong Kong in order to help you find your dream commercial property. In other words, commercial real estate is one of core businesses of many real estate companies in Hong Kong. They offer a continuum of services in connection with the commercial real estate, such as, sale of commercial as well as retail property, office leasing, retail leasing, leasing and sales of industrial property, sale and acquisition of development sites, leasing and management of shopping centers, and asset management with regard to commercial, retail, and industrial.
Additionally, majority of them provide the services of professional lawyers to help you in effectively carrying out buying procedures, such as tax matters, Hong Kong Companies Registry, and negotiation of purchase. In addition, there are also real estate firms providing steps to arrange mortgages for the purchase of commercial property. But, prior to approaching a service provider, it is important to undertake an investigation with regard to their reputation and the quality as well as efficiency of service rendered.

Age Pensioners and Bankruptcy in Australia

From time to time I come across age pensioners whose life is now miserable because they’ve found themselves with what is to them, overwhelming credit card and other debt. On a pension, unless they leave themselves short, they often find that can’t make the repayments.

When talking to me, some of them have broken down and cried when they have realized that, with dignity, bankruptcy can cancel this debt and release them from this dreadful position.

They mostly don’t know that their bankruptcy will last for only 3 years.

They all say that they didn’t know that as a bankrupt, by law they can (each) earn a minimum $758.80 a week net, that’s after tax, that’s weekly spending money, before any of it can be taken off them by their bankruptcy trustee.

Mostly, to a man or woman they tell me that they don’t earn that much anyway. But it’s true, it’s the law, and it changes (upward) every March and September.

A single age pensioner receiving a maximum pension of $537.70 per fortnight, which is $268.80 per week, is way below this $758.80 per week figure.

As a couple they can receive $449.10 age pension per fortnight, so that’s 224.55 each per week, still way below the $758.80 each figure, and keep the lot.

What this means is that if an age pensioner (who rents) goes bankrupt, they can stop paying their debts like credit card and most other loans like that forever, and so keep the full amount of their pension to buy food, and to live on.

If you’ve got property like a house or a car I’ll come to that shortly.

Most however feel that that’s not right, that they were brought up in the era where you had to pay your debts. But that era also required the banks and other lenders to act more responsibly in deciding who to lend money to, and how much, than is the case today.

There seems to be a lack of balance in responsibility now.

If you feel that despite everything you don’t want to go bankrupt, well, bankruptcy law has attempted to provide a solution there too. In reality the solution is generally out of the reach of people living off an age pension, and maybe a few extra dollars too.

In bankruptcy law terms, these solutions are either called a Debt Agreement Proposal, or there’s a Personal Insolvency Agreement. For age pensioners, both could be a bit expensive to set up. They also mostly seem to keep you still saddled with your debt, and a repayment regime spreading over a number of years, and coming out of your pension still.

In addition, with the Personal Insolvency Agreement procedures, (but not a bankruptcy) the fact that you’re attempting to come to some arrangement to pay off your debt like this has to be advertised in both a local and national newspaper.

I can’t see many pensioners, or anybody else for that matter, wanting to be shamed in this way, nor do I think that they should be.

Furthermore, with both of these scenarios, if the wheels fall off again and something pops up which makes it difficult or impossible to keep up the repayments, as they’re more likely to do as we get older, then you’re in trouble again.

If you don’t want to go bankrupt, then with these other two options, there’s then a bit of a routine and procedure that the law sets out to happen, to try and get your repayments frozen again for a while, or reduced. More cost for you, and they don’t go away.

I think that a better answer is for you, after you go bankrupt, is to voluntarily just set aside what you can, and when you can, and then just chip away at the debt, if you want to (but by law you don’t have to), at your own pace, and in your own time. Look at as being a bit like the old saying “a dollar down and a dollar a week”.

Nobody can make you do this though, as bankruptcy cancels the sort of debt that I’m talking about.

In an overwhelmingly majority of cases, bankruptcy lasts for 3 years, and in that time, or at the end of it, by law, you don’t have to pay back this debt again, ever. Some shady debt collectors may tell you that you do (and there’s a few around like that), but that’s not right.

Another great relief for age pensioners is that their bankruptcy is not advertised in the media anywhere. It’s very private. If you bankrupt yourself then you don’t have to go to Court either.

Your bankruptcy is recorded with the commercial credit rating agencies for 7 years though, so you will find it hard, if not impossible, to get credit or a loan again from the normal banking sources in that time.

Bankruptcy will cancel your credit cards, but these days some banks offer Visa debit cards, which can only be used if you have money in your bank account to immediately cover the cost of what you buy when using one, but at least you have a Visa card again.

The government also records your bankruptcy status on a database called the National Insolvency Index, and its there for life, and some information is accessible to the public, for a fee. To pensioners, I can’t see that this would be an issue at all.

Most age pensioners are also very relieved to be told that even though they go bankrupt, they should be able to keep their car.

As a bankrupt you can keep a car where your (net) equity in it is no more than $6,300, and that’s its wholesale value, not its card yard price. Age pensioners who are renters rarely have a late model car, so again, this is mostly never an issue.

If you are paying your car off and there’s a Bill of Sale on it, the $6.300 net equity means it’s the bit that you own as distinct from the bit that the bank or the finance company owns.

To get a guide on this, simply compare what you still owe on the Bill of Sale with what you think that a car dealer would offer you, in cash, not as a trade in, for it if you tried to sell it to them today.

The difference that’s theoretically left after you paid the finance company out, would represent the bit that you own. If it’s $6,300 or less, you should be ok.

If you’re paying your car off like this though, you’ve got to be up to date with the repayments when you go bankrupt, and stay up to date if you want to keep the car.

Also, as a bankrupt, nobody is likely to come to the house to take your household furniture and belongings away. There may be a few exceptions here if the bankruptcy trustee was advised that the bankrupt had something really valuable, like a Mona Lisa hanging on the wall. (That’s a bit of an exaggeration of course).

The government says that it can sell or take off you, during the 3 years of your bankruptcy, things like lottery wins or prizes of value (buy tickets in somebody else’s name), assets left to you in a will in that time, your interest in the family home, land, money in your bank accounts (but not your pension income dealt with earlier), shares etc, antiques or other saleable property which are “of value” (the crucial words here are “of value”).

This is rarely is an issue with people of age pension age who are considering bankruptcy. You’re pretty much left alone.

If the age pensioner owns a house then that’s a bit of a worry, as generally the person’s equity in the house means that they could get a loan to pay off the debts being discussed in this article. I’d try not to go bankrupt if I owned a home.

How Fixings are Marketed Through Advertising

When looking for the right sort of fixings company to forge a long-term relationship with, you should be seeking one which provides a clear advantage over their competitors. This could simply be the quality of the fixings they make and supply, or it could be that their customer service is excellent and you feel their attention to you and your company is the type of company you want to deal with long-term. The size of the company is important, because a larger company will more than likely have larger resources and are unlikely to run out of products you need.

A way to determine the size of a company is to look at the amount of advertising it buys in media outlets. Print, on-line and television advertising are all formats in which large multi-national companies seek to advertise to spread the information about their products and services. A good fixings company will put out a large print media campaign to ensure that every trade paper and magazine carries the company details and a selection of the deals which they offer. Advertising will entice new customers into the shop floor and encourage them to spend their money on the best deals of the moment.

Even smaller fixings manufacturers will spend a good portion of money on advertising in the local area to bring in new builders and merchants to support the shops. Small adverts placed in community papers could generate enough word of mouth interest to really make a difference in the company’s profits. Strategic local advertising is a great way of bringing in new customers and when looking to develop a long term supplier relationship, you should really pay attention to how much money they are spending on spreading information about the products and prices that they offer.

With the way the modern fixings market is swamped with competition and different options, it is sometimes easier to break down what a company has to offer in order to make a good choice. Expenditure on advertising is only one area which should be looked into, but it is a good way of seeing how serious a company is. If they are prepared to spend big on securing their future business, then it is an indication of the type of company they are and the service you are likely to receive.

UK Mortgage Insurance Can Work If You Take Advice From A Standalone Provider

Mortgage insurance can be a safety net on which to land if you should suddenly find yourself out of work after suffering from an illness, accident or if your should become unemployed due to no fault of your own. It can give you an income with which to continue meeting your mortgage repayments. However, as with any insurance, UK mortgage insurance has to be bought with understanding.
There are reasons why it might not be suitable for your circumstances and you have to ensure that it is right for yours. You need to ensure that you are eligible to claim, so check out the exclusions in the small print of a policy. Typically they include if you are only in part time work, you suffer from a pre-existing medical condition or you are of retirement age. Of course there can be others so you have to ensure you know the terms and conditions.
If a policy is right for your circumstances then it would provide an income once you have been out of work for a defined period of time which can be between the 31st day and 90th day of being out of work, depending on the provider. The cover would then continue to provide you with the tax free sum for between 12 and 24 months so that you can continue to repay your mortgage each month without worry of where you would get the money; this gives great peace of mind and takes the stress away while you get back on your feet.
UK mortgage insurance has come under the spotlight with the rest of the suite of payment protection policies when it was found in 2005 that there has been wide spread mis-selling of policies. The Financial Services Authority began an investigation into the sector after a super complaint was lodged with the Office of Fair Trading and several fines were handed out to major high street names. The latest firm to receive a fine since the investigation into the sector began is a typical example – a mortgage firm who failed to have the consumer’s best interest at heart at the time of selling policies.
A lack of information was one of the many problems associated with the mis-selling of mortgage payment protection insurance.
Exclusions weren’t mentioned which led to many people being sold a policy they couldn’t possibly hope to claim against. In March 2008 the Financial Services Authority are going to introduce comparison tables with the hope that these will make policies easier to understand and ensure the consumer gets the right product for their needs. The table will ask a series of questions which will lead to the suggestion of the right policy for an individual’s needs including how much in total the cover will cost, the exclusions that exist in the policy and options for buying.
UK mortgage insurance can be a great asset to have in your corner if you should come out of work, but do check out the small print carefully before signing on the dotted line

Smart Investing with Dollar Cost Averaging

Dollar Cost Averaging, or DCA, is a technique where you purchase a fixed dollar amount of your favorite investment at regular intervals, such as once per month.
When prices are down, you will receive more shares. When prices are higher, you will receive fewer shares. The idea is that you will be able to take advantage of dips in the prices but also minimize buying at higher prices. In the long run your average share price will be somewhere between the highs and lows throughout that time period, resulting in less volatility than putting all your money into just one or two large trades.
This technique is very simple and can be set to run automatically on many online brokerages such as ShareBuilder. This is a great option for investors who do not have time to sit at a computer every day watching for the perfect price to come along.
Example
Let’s say two traders have $10,000 to buy Microsoft shares.
Trader A decides to put half of his money in right now at $28 per share, for 187 shares, and half of his money next month at $30 per share, for 166 shares.
Overall, he purchased 353 shares at an average price of $28.94.
Trader B decides to use DCA over a 4-month period, which is $2,500 per month. He receives 89 shares at $28, 83 shares at $30, 96 shares at $26, and 92 shares at $27.
Overall he purchased 360 shares at an average price of $26.67.
In this case, Trader B came out on top, purchasing 2% more shares at nearly 8% less than Trader A. That won’t happen in every case, but you get the idea.
Why it Works
Since the markets have historically gone up over the long run, buying shares at regular intervals over the long run should go up too. DCA should reduce the effect of volatility in the prices throughout the year, but it will probably reduce your chances of large gains. This is the classic tradeoff in investing of risk versus reward.
Further Diversification
Any single stock has the potential to “bomb” on you, causing massive losses. One great way to reduce this risk greatly is to trade mutual funds, which often spread out your money over hundreds of different stocks. Combined with DCA, you should have a relatively safe and easy investment strategy.
Disclaimer
This technique is not guaranteed to make you profits or eliminate the risk of losing money. It is really just a way to average out share prices. For example, if a stock is dropping in price every month, your average price will be lower and lower, resulting in a loss overall.

Five Strategies For Buying Gold Bars and Gold Bullion Coins

1. Shop around for gold bullion sellers. Ideally, you will want to choose a seller asking the lowest premium (shipping, handling, tax, insurance, and margin over spot price) on your bullion coin or bar purchase. Prices vary widely among sellers, so your best bet is to compare ahead of time and choose one before you call in on a spot price.
Some dealers collect considerably less margin than others; during periods of adequate supply gold bullion coins typically sell at a 5 to 20 percent premium while gold bars sell with a 2 and 5 percent premium. Those premiums rise when gold is in short supply. Buying bullion gold coins or bars at higher volumes can also drive the premium price down, so consider buying larger amounts to capitalize on premium discounts.
Be sure the dealer has the gold in inventory and that you do not have to wait for the dealer to acquire the gold.
2. Build up a variety of gold bullion . In today’s volatile economy, it’s difficult to determine what currencies will be worth in a year, even five years from now. Most disaster preparation experts advise to keep three to six months of savings on-hand in case of a prolonged emergency. What about a financial collapse? What if your currency is deemed worthless?
Choosing a variety of gold types may be an effective form of preparation. Gold bullion coins such as Krugerrands and Gold Eagles are easily recognized for their gold value and can be exchanged all over the world. They are transportable and are easy to hide. Fractional Krugerrands and Eagles will be valuable in the daily exchange for goods and services. Although not as easy to exchange, gold bars can be hidden away discretely and saved for generations.
3. Keep away from collector’s coins. Although heralded worldwide for their beauty and value, collector’s coins are not a wise choice for the investment-minded individual. Collector coin prices tend to fluctuate widely based on age, amount of gold, and grade. They are not as tradable as circulated gold bullion coins, nor is their worth easily determined. Some collector’s coins come from privately owned corporations rather than from the government, so the purity may be lower and without a guarantee.
4. Consider storage options. You may be tempted to purchase ETF’s (Exchange Traded Funds) or have an entity hold your gold in escrow. These are options if you wish to deal with an increasing amount of investment risk. (Research what happened to ETF’s in September 2008 when AIG faltered.)
However, you should re-think why you are purchasing gold in the first place; it is likely for asset protection during uncertain economic times. Wouldn’t it make more sense to hold some tangible assets in your own domicile under your direct control? Look into a safe or vault purchase if you are concerned about safety and privacy.
5. Invest regularly and look long-term. Instead of making a large-sum, one-time purchase, consider an investment plan for acquiring more gold bullion coins and bars over time. By using simple cost-averaging techniques, you will spread expenses out evenly over time. Don’t be discouraged if you see a cycle where spot prices drop dramatically. Over time, gold prices have always recovered from their lows.
Latest predictions say that gold may rise to over $2,000 per ounce in the near future as demand from China and India begin to strain supply. The worldwide economic downturn is also delaying gold mining research and development, further complicating the supply chain.

Ways of Knowing Through the Realms of Meaning

Applied Educational Research Journal (AERJ)

22 (3) 2009

 

Ayn Rand’s Atlas Shrugged: An Epistemological, Philosophical and Comparative Treatment Based on the Theoretical Framework of the book Ways of Knowing Through the Realms of Meaning by William Allan Kritsonis, PhD

 

 

________________________________________________________________________________

ABSTRACT

The purpose of this article is to show how the writings of Ayn Rand can be understood and developed through the work of Dr. William A. Kritsonis utilizing the Ways of Knowing Through the Realms of Meaning.  In the literary masterpiece of Atlas Shrugged, Ms. Rand brings her philosophical views alive through the narrative of her story and the lives and dramatic events faced by each of her fictional characters.  Her views on objectivism, capitalism, and man’s inherent sexuality are only a few of the controversial topics discussed in her book and revealed poignantly through the themes and motifs of her stimulating and challenging novel, Atlas Shrugged.

________________________________________________________________________________

The First Realm:  Symbolics

 

            The first realm of meaning is symbolics.  “These meanings are contained in arbitrary symbolic structures, with socially accepted rules of formation and transformation, created as instruments for the expression and communication of any meaning whatsoever.  These symbolic systems in one respect constitute the most fundamental of all the realms of meaning in that they must be employed to express the meanings in each of the other realms” (Kritsonis, 2007, p. 11).

            Atlas Shrugged is rife with symbolic communication.  Themes, symbols, and motifs add intrigue, interest and mystery to the writing style of Ayn Rand and lend credence to her literary expertise and philosophical ideas and beliefs.  The symbolism in Atlas Shrugged adds depth and complexity to her overall meaning constructs and analytical observations.

 

            One of the first and most obvious symbols of her novel is found in the title, Atlas Shrugged.  Atlas, in Greek mythology, held the burden of the heavens on his shoulder.  To John Galt, and the other societal producers, the weight of the world was placed on their shoulders as they bore the responsibilities of producing for a world deplete of reason, strength, and appreciation.

 

            The dollar sign becomes the symbol of a strike of the mind led by John Galt.  By each striker symbolically associating himself with the sign of the dollar, the strikers intuitively illustrate their belief in capitalism and the reward of the capitalists.  In Atlas Shrugged, there is no shame weighted with the possession of money.  Instead, it is seen as just compensation for productivity and creativity.

 

Another symbol inherent to the understanding of Atlas Shrugged  is the bracelet Rearden created using his new metallurgical discovery.  The bracelet is symbolic of Rearden’s entire life work and accomplishments.  The bracelet is beautiful, but unappreciated by his wife, just as the development of the new metal Rearden has created is seen as a threat to those who do not care for or appreciate ingenuity, creativity, and invention.  Despite the resistance that Rearden faced with his new discovery, the metal he conceived and developed is a beautiful representation of the practical beauty that can be found from one’s individual life work and commitment.

 

            Motors were also symbolic throughout the novel Atlas Shrugged.  The motor designed by John Galt had the power to harness energy and provide power to the world.  Without the motor, the world’s production would come to a halt.  It is symbolic of the power of the mind and how producers are needed in the world to power the creative thoughts and abilities of the true thinkers in order for the world to survive and become productively active and successful.

 

 

The Second Realm:  Empirics

 

            “The second realm empirics, includes the sciences of the physical world, of living things, and of man.  These sciences provide factual descriptions, generalizations, and theoretical formulations and explanations that are based upon observation and experimentation in the world of matter, life, mind, and society” (Kritsonis, 2007, p. 12).

 

 

 

John Galt:  The Physicist     

 

In Atlas Shrugged, “one of the producers, John Galt, a titan among physicists, decides it is time for ‘the Atlases,’ the men who have carried the world on their shoulders to stop supporting [their] destroyers – to shrug” ( Moritz, 1982, p. 234).  His science has benefited the looters, those who live off of his own creativity and expertise.  In a decision to proliferate a strike of the mind, “he retreats with other ‘producers’ to a secret mountain citadel in Colorado.  There they remain until, in their absence, industry and trade grind to a halt and the collectivist social system collapses” (Moritz, 1982, p. 234).  With the collapse of the society that once was known, Galt gives a lengthy speech to tell the word that the fight is over.  “The road is cleared. We are going back to the world,” says Galt, as the elite band re-emerges and he, raising “his hand over the desolate earth….trace[s] in space the sign of the dollar” (Moritz, 1982, p. 234).

 

Biology

 

            Biology is the science of life.  For those who believe that man is nothing more than just a physical being without a soul or spirit, their conclusions are in-line with Dr. Pritchett, one of the characters in Atlas Shrugged.  “Man?  What is man?  He’s just a collection of chemicals with delusions of grandeur” (Rand, 1999, p. 131).  Those who espouse that man is nothing more than a metaphysical creation are less likely to believe in the supremacy of the soul and the virtue of spirituality that requires accountability and surrender to a life goal and pattern higher than one’s own self and being. Dr. Pritchett’s comments continue, “once he [man] realizes that he is of no importance whatever in the vast scheme of the universe, he will realize that no possible significance can be attached to his activities” (Rand, 1999, p. 132).

 

In Atlas Shrugged, abortion is mentioned as a right of the state.  The People’s State of Mexico wants to “raise everybody’s standard of living and provide a roast of pork every Sunday for every man, woman, child and abortion in the People’s State of Mexico” (Rand, 1999, p. 123).  At the first publication of Atlas Shrugged, abortion was illegal in the United States.  The debate for a “woman’s right” did not fully ensue in this country until the ruling of Roe vs. Wade in 1973.  This is another example of how controversial social issues were ingrained in the writings of Ayn Rand even before the issues reached a national level forum of discussion and debate.

 

Socialism

 

            Socialism is an “economic system in which government owns some factors of production and has a role in determining what and how goods are produced” (Clayton, 1995, p. 567).  In Atlas Shrugged, socialistic ideas began to emerge that threatened the capitalistic way of life.  Those who bought into the socialist way of life included those who supported a new government initiative entitled the “Equalization of Opportunity Bill.”  This bill’s purpose was to put limits on capitalistic production, therefore limiting creative capitalists and entrepreneurs from becoming too powerful or wealthy.

 

            The “Equalization of Opportunity Bill” also sought to put limits on the output of the creative, literary mind.  Balph Eubank, a literary leader of his time, was in favor of the “Equalization of Opportunity Bill”.  “Certainly, I approve of it.  Our culture has sunk into a bog of materialism.  Men have lost all spiritual values in their pursuit of material production and technological trickery…so we ought to place a limit on their material greed” (Rand, 1999, p. 133).  Eubank was willing to surrender his creative mind to the state.  “It would work very simply,” said Eubank.  “There should be a law limiting the sale of any book to ten thousand copies…If people were forbidden to buy a million copies of the same piece of trash, they would be forced to buy better books” (Rand, 1999, p. 134). 

 

            In the United States, citizens are encouraged to improve upon inventions, create new horizons, and develop new services and products that will benefit mankind.  Without the motive of profit, many of our greatest inventions and accomplishments would likely not have been achieved.  Rand is against socialistic societies that take away the rights of the individual for the watered down benefit of the masses who choose not to produce or create to their highest and fullest potential.

 

Communism

 

Karl Marx authored The Communist Manifesto in 1848.  He divided society into two groups.  The first group was the proletariat.  These were the people with no means of production who owed their livelihood to the second group in society, the bourgeoisie, better known as the capitalists.  His division of society is analogous to the two major groups “at war” in Atlas Shrugged, the looters and the strikers.

 

            The looters were people who did not use their own creativity or power to create wealth.  They were totally dependent upon the creative thinkers in the world, which later became known as the “strikers of the mind.”  The strikers were those who created, built, and engineered the framework for modern society.  In Atlas Shrugged when the “strikers of the mind” left society, society as it was known previously collapsed.

 

            Theoretical communism states that if everyone were equal, “everyone would produce to the best of their abilities, and everyone would consume to the extent of their needs” (Clayton, 1995, p. 476).  However, in today’s society, communism has proven itself to be a dismal failure.  In a pure Communist state, a man or woman’s career is chosen for that particular individual at a young age.  Regardless of their ability or ambition, there is “equality” in pay for all.  Educators, doctors, lawyers, garbage men, and street sweepers are all equal.  When a person is not challenged according to their own individual talents and creative potential, production will decrease.  Without hope of achieving any significance in one’s life work, society itself would be reduced to a mindless, wondering proletariat under a repressive and dictatorial form of government.

 

When the government owns the means of production, there is no incentive for creativity.  Everything is done in the name of progress.  The government leadership, which holds power with an iron hand, prohibits success to anyone who wants to succeed or profit outside of the veil of government interventions and legalities.

 

Capitalism

 

            Capitalism could be considered one of the most fundamental disciplines in the realm of the social sciences.  Capitalism is considered a virtuous pursuit by Rand and many of her primary characters in the novel.  Atlas Shrugged espouses the virtues and benefits of a pure capitalistic society and seeks to enunciate and pronounce these values succinctly throughout the novel, espousing the virtues of capitalism and the power of the mind.

            Paramount to the perfect society John Galt believed would exist when the producers were in charge is the concept of “free trade and free minds” (Rand, 1999, p. 1067).  Rand defines capitalism as “a social system based on the recognition of individual rights, including property rights, in which all property is privately owned” (Uyl and Rasmussen, 1986, p. 173).  

            “One of the unique features of Rand’s defense of capitalism is that she neither considers capitalism a necessary evil (as do many conservatives) nor tries to defend it simply in terms of the benefits it produces, as do many economists” (Uyl and Rasmussen, 1986, p. 173).  Rand sees capitalism from a moral perspective that supersedes capitalism for purely monetary reasons and then becomes a mantra for a philosophical way of life that focuses on intelligence, rationality, and reason. 

            “The moral justification of capitalism does not lie in the altruist claim that it represents the best way to achieve ‘the common good’…The moral justification of capitalism lies in the fact that it is the only system consonant with man’s rational nature, that it protects man’s survival qua man, and that its ruling principle is justice” (Uyl and Rasmussen, 1986, p. 173).           

In Atlas Shrugged, John Galt believes that a collective society will include those who are willing to work and enjoy the fruits of their own labors.  He predicts the demise of a system led by looters.  In its place he sees a society that believes in the individual and the contributions that individuals can make to their world and society.  Not willing to let looters into this new world who are not committed to his goals and philosophical bent,  John Galt opens the door of invitation and hospitality only to those who would choose to espouse the virtues of an individualistic, capitalistic society.

            To those who were willing to commit to a renouncement of their looting mentality, Galt states, “when the looters’ state collapses, deprived of the best of its slaves….We will open the gates of our city to those who deserve to enter, a city of smokestacks, pipe lines, orchards, markets and inviolate homes……With the sign of the dollar as our symbol – the sign of free trade and free minds – we will move to reclaim this country once more from the impotent savages who never discovered its nature, its meaning, its splendor.  Those who choose to join us will join us; those who don’t will not have the power to stop us; hordes of savages have been an obstacle to men who carried the banner of the mind” (Rand, 1999, p. 1067). 

 

            “The conduct of the market may be greatly facilitated by the use of money, that provides a convenient medium of exchange…From the standpoint of understanding and control, the use of money is of far-reaching importance, for it permits economic activity to be measured mathematically.  Because of the money system, qualitative preferences can be quantitatively assessed, and the powerful resources of mathematical computation can be brought to bear on the study and management of economic processes” (Kritsonis, 2007, p. 266).

 

            John Galt’s symbol of the dollar was a rallying cry for the producers to produce and to fall in line with the pseudo-religion of wealth and prosperity based on one’s individualistic ability to produce and his or her enjoyment of such activities.  For Galt and his followers, this was success and the true essence of life.

 

            To reiterate the value of a thinking society, John Galt speaks to the looters in regards to what the retreat of reason, thought, and creativity had brought to the world through the strikers of the mind.  “If you want to know what you lost when I quit and when my strikers deserted your world—stand on any empty stretch of soil in a wilderness unexplored by men and ask yourself what manner of survival you would achieve and how long you would last if you refused to think, with no one around to teach you the motions, or, if you chose to think, how much your mind would be able to discover….ask yourself whether you would be able to discover how to till the soil and grow your food…then decide whether men of ability are exploiters” (Rand, 1999, pp. 1048-1049).

 

Feminism 

 

            To those who were led to believe that a capitalistic society was an evil commodity, Dagny Taggart was a symbol of everything that was wrong with a society based on capitalism and productivity.  She was a woman, who for some, had overstepped the bounds of societal acceptability in the fact that she had not chosen to marry or to establish a traditional home, which was such a prevalent mainstay of most homes during the time of the initial writing of Atlas Shrugged.  Balph Eubank looked upon Dagny as “a symptom of the illness of our century….Machines have destroyed man’s humanity…There’s an example of it—a woman who runs a railroad, instead of practicing the beautiful craft of the handloom and bearing children” (Rand, 1999, p. 138). 

 

            In Rand’s writing, marriage is not a value that is esteemed, as evidenced in the marriage of Hank and Lillian Rearden.  Lillian despises her husband and his work.  Hank merely tolerates his wife.  It is not until he meets Dagny, that he finds someone who will share his love and appreciation for his work and life goals and accomplishments.

 

Affairs are not considered inappropriate in Rand’s writings. Fidelity is not considered a virtue. There is not a long term, committal approach to marriage and sexual activity.  In addition, children were never mentioned in the text of Atlas Shrugged.  In Rand’s world, if literature truly reflects life, children would have been a burden and therefore something that she would not have chosen to have or to commit to.

 

 

The Third Realm:  Esthetics

 

            “The third realm, esthetics, contains the various arts, such as music, the visual arts, the arts of movement, and literature” (Kritsonis, 2007, p. 12).  By seeing the artistic qualities of a literary work, meaning and understanding can be enhanced and deepened for a more intuitive and firmer grasp of the specific meanings and nuances of a particular work of literary genius and artistic quality.

 

 

 

 

 

 

 

 

Art

 

            “Ayn Rand held that art is a “re-creation of reality according to an artist’s metaphysical value judgments.  By its nature, therefore, a novel (like a statue or a symphony) does not require or tolerate an explanatory preface; it is a self-contained universe, aloof from commentary, beckoning the reader to enter, perceive, [and] respond” (Rand, 1999, p. ix).

 

            When Rand talks about a self-created universe, she is mirroring her philosophical view of writing.  Rand was able to create a reality of her own choosing through her penned imaginations and her creative expressive abilities and expertise.  She was able to create images through the written word and convey meanings and philosophical content through her own literary artistic talents and skills.

 

Music

 

            Richard Halley is Dagny Taggart’s favorite composer.  He is a masterful musician with a bent toward writing beautiful concertos and operas.  At the age of 24, Halley’s first opera “Phaethon” was performed.  He met with wide spread humiliation and professional disfranchisement by the critics when his opera was booed and heckled by patrons of his first musical debut.

 

            On his second debut, years later, he met with the success he had longed for since his youth.  However, shortly after receiving a rave review of his musical composition’s performance, Halley disappeared.  It was another example of a producer leaving the “world” to go to the “perfect world” of the intellectual elitists who retreated to a distant place which came to be known as John Galt’s gulch, a place where men could be productive using their own talents and gifts, whatever they may be, for their own personal pleasure, development, and reward.

 

Literature

 

            Atlas Shrugged is a mixture of genres and literary devices that combine a fluid story of romance and love based on Ayn Rand’s most basic philosophical beliefs.  “Atlas Shrugged is more myth than novel.  Miss Rand’s heroes and heroines are godlike creatures who, in their leviathan strength, resist the wickedness of the pernicious weaklings around them and achieve their ends at will” (Riley, 1975, p. 423).

 

            Reason and rationality were together the basis for the novel Atlas Shrugged.  Before ever starting a novel, “Ayn Rand wrote voluminously in her journals about its theme, plot, and characters” (Rand, 1999, ix).  In her journal writing for Atlas Shrugged, Rand demonstrated “her mind in action, confident even when groping, purposeful even when stymied, luminously eloquent even though wholly unedited.  These journals are also a fascinating record of the step-by-step birth of an immortal work of art” (Rand, 1999, p. ix).

 

            “Ayn Rand’s basic purpose as a novelist was to present not villains or even heroes with errors, but the ideal man—the consistent, the fully integrated, the perfect”  (Rand, 1999, p. xii).  The perfect man in Atlas Shrugged is John Galt.  He is heroic in nature and a “towering figure who moves the world and the novel” (Rand, 1999, p. xii).  Galt is truly a man for all seasons and times and is pivotal to the story and philosophical views found in Atlas Shrugged. 

Rand relates to each of the characters in the book in different and distinguishing ways and presupposes characteristics for each figure involved in the novel.  Ideas personified are”for Dagny-the ideal; for Rearden-the friend, and for Francisco d’Anconia-the aristocrat; to James Taggart-the eternal threat; and to the Professor – his conscience” (Rand, 1999, p. xiii). 

 

            Rand’s writings have given impetus to philosophies and objectives that have inspired many to take a new look at different opportunities and options to personal fulfillment and success.  Rand herself concedes that she seems “to be both a theoretical philosopher and a fiction writer” (Rand, 1999, xiv).  Rand wrote for discovery.  “For my purpose, the non-fiction form of abstract knowledge doesn’t interest me; the final, applied form of fiction does.  I wonder to what extent I represent a peculiar phenomenon in this respect” (Rand, 1999, xiv).  Rand also believed that she was much like her character, John Galt.  “He is a combination of an abstract philosopher and a practical inventor; the thinker and the man of action together” (Rand, 1999, xiv).

 

            For Rand, her writing was romantic.  In writing, Rand chose to make characters either “black or white” from the context of their commitment to their own moray of values, ethics, and lifestyles.  Therefore, characters became a mirrored version of her own reality and of society as she perceived it to be.

 

 

The Fourth Realm:  Synnoetics

 

            The fourth realm is synnoetics.  “Meanings in the synnoetics realms are subjective (and inter-subjective), concrete and existential” (Kritsonis, 2007, p. 430).  Synnoetics is relational.  There are two fundamental concepts within this realm that provide a deeper understanding of man and his interaction with his world and those individuals who become a relational part of that world.  The “I-It” relationship is how we respond to inanimate and worldly manifestations and structures.  The “I-Thou” relationship is how we interact and re-act to those around us.  Sexuality can be classified as an “I-Thou” phenomenon in the form of proper relationships and attributes.

 

From a Freudian perspective, “the source of instinctual energy (particularly the sexual energy or libido) is the id.  The id is regarded as part of the unconscious, an aspect of the personality below the level of the conscious mind” (Kritsonis, 2007, p. 413). Relationships between Dagny and those she chose to commit herself to were below the level of the conscious mind.  Where reason stopped, passionate relationships began.

 

In Atlas Shrugged, there are several love interests with the main female character of the novel, Dagny Taggart.  These relationships are each viewed from a different perspective based on Dagny’s work and relationship to each man she committed herself to, even if only for a brief period of time.

 

Lifetime commitments were never a conditional part of Dagny’s intimate relationships.  For the most part, her relationships were based first on common interests and goals, then on romantic passion and desire.  Her love interests included Hank Rearden, John Galt, and Francisco d’Anconia. 

 

 

 

 

The Fifth Realm:  Ethics

 

            Ethics, according to Dr. William A. Kritsonis, is that which “includes moral meanings that express obligation rather than fact, perceptual form, or awareness of relation” (Kritsonis, 2007, p. 13).  Morality, according to Dr. Kritsonis, is simply that “which reflects inter-subjective understanding.  Morality has to do with personal conduct that is based on free, responsible, deliberate decision” (Kritsonis, 2007, p. 13).

 

            Rand’s view of morality is exonerated by her impressive portrayal of John Galt’s impassioned views about morality expressed during his long and elaborate discourse on morality and objectivism.  “A rational process is a moral process.  You may make an error at any step of it, with nothing to protect you but your own severity, or you may try to cheat, to fake the evidence and evade the effort of the quest—but if devotion to truth is the hallmark of morality, then there is no greater, nobler, more heroic form of devotion than the act of a man who assumes the responsibility of thinking” (Rand, 1999, p. 1017).

 

            For John Galt, reason was the moral basis of all life.  “My morality, the morality of reason, is contained in a single axiom:  existence exists-and in a single choice: to live.  To live, man must hold three things as the supreme and ruling value of his life:  Reason-Purpose-Self-esteem.  These three values imply and require all of man’s virtues, and all his virtues pertain to the relation of existence and consciousness:  rationality, independence, integrity, honesty, justice, productiveness, and pride” (Rand, 1999, p. 1018). 

 

            Rand does not believe man has a moral responsibility to his or her neighbor.  This tenet of Rand’s ethical theory appears at first glance to be harsh and uncaring.  John Galt restated Rand’s theory of isolation and moralism and held that such attributes were proper and appropriate in his own world view.  “Do not say that my morality is too hard for you to practice and that you fear it as you fear the unknown.  You kept sacrificing your virtues to your vices, and the best among men to the worst.  This dismal wreckage, which is now your world, is the physical form of the treason you committed to your values, to your friends, to your defenders, to your future, to your country, to yourself”  (Rand, 1999, p. 1060). 

 

            The question might be raised, “When do the needs of others supersede one’s own needs and desires?”  According to Rand in her book, The Virtue of Selfishness, there are times when she believes that it is acceptable to help others.  “Any action that a man undertakes for the benefit of those he loves is not a sacrifice if, in the hierarchy of his values, in the total context of the choices open to him, it achieves that which is of greatest personal (and rational) importance to him” (Rand, 1964, p. 51).

 

             Ethical and moral decisions each have their own consequences.  Rand also believes that in all ethical decisions, the ultimate choice of what is right or wrong lies with the individual.  She believes that “the moral purpose of a man’s life is the achievement of his own happiness” (Rand, 1999, p. 55).  Selfishness, therefore, remains a strong foundational principle of Rand’s ethical and moral philosophical basis for her idyllic view of society and life.

 

 

 

 

The Sixth Realm:  Synoptics

 

            Synoptics refers “to meanings that are comprehensively integrative” (Kritsonis, 2007, p. 13).  Synoptics covers the realms of “history, philosophy, and religion” (Kritsonis, 2007, p. 13).  Understanding the synoptic realm of meaning in these fields allows a continuity of understanding that helps to develop a deeper meaning and understanding of the specific work studied.

 

History

 

            Historical parallelisms can be found in the story of Atlas Shrugged and important events in our own country’s history.  In 1939, Albert Einstein informed President Franklin D. Roosevelt that the Germans had the makings of an atomic bomb.  The first country to develop this method of mass destruction would be at a decisive advantage in the framework of global dominance and power. 

 

Einstein in someway parallels the strikers of the mind when he decides to leave Germany and begin his new work in the United States.  Just as John Galt did not want unthinking men to reap the benefits or responsibilities of his own creative genius, Einstein did not want the Germans, who he considered a danger and threat to the known world, to have the power of the atomic bomb.

 

 Unthinking men with this unpredictable form of new power could cause grave destruction and chaos to the known world.  Einstein knew this and made the decision to join forces with the United States in order to give his power and creative genius to a country that would be responsible and prudent in its dealing with this new form of power and technology.

   

Another historical parallel can be noted when the People’s State of Mexico promises a “roast of pork every Sunday” (Rand, 1999, p. 123).  This is analogous to the campaign promises of Franklin D. Roosevelt when he advocated that lack and poverty would soon be a thing of the past.  He promised a “chicken in every pot” to every American who would believe in and support his bid for the presidency of the United States of America.

 

Philosophy

 

            “Philosophy provides analytic clarification, evaluation, and synthetic coordination of all the other realms through a reflective conceptual interpretation of all possible kinds of meaning in their distinctiveness and in their interrelationships” (Kritsonis, 2007, p. 13).   Ayn Rand believed that righteous self-interest superseded all morality and goodness.  She “challenged the prevalent philosophies of our time with objectivism, a ‘morality of rational self-interest’ repudiating all forms of altruism, including religion, as ‘collectivist’ traps incompatible with a free society” (Moritz, 1982, p. 331). 

 

When writing Atlas Shrugged, “Ayn Rand had to go beyond ethics: she had to originate a new system of philosophy, identifying the nature of man’s means of knowledge and of the universe he seeks to know” (Hull and Peikoff, 1999, p. 290).   Ms. Rand’s philosophical bias lies with her theory of objectivism.    Her philosophy of objectivism is mirrored in the pages of the novel Atlas Shrugged.  Her philosophy is based essentially on the selfishness and individuality of the person who chooses to take responsibility for his or her actions and be responsible for their own view of personal happiness and success.

 

            “My philosophy in essence,”  Miss Rand has said, “is the concept of man as a heroic being with his own happiness as the moral purpose of his life, with productive achievement as his noblest activity, and reason as his only guide” (Moritz, 1999, p. 332).  Ayn Rand’s philosophy of objectivism states that “reality exists as an objective absolute, reason is man’s only means of perceiving reality, man is an end in himself, and the ideal political-economic system is a laissez-faire capitalism” (Ayn Rand Institute, 1996).  John Galt’s speech in Atlas Shrugged reflects Rand’s philosophical bent toward her reasoned stance on objectivism and its value to a coherent and productive society.

 

 

Rand’s Objectivist Philosophies

In the novel, Atlas Shrugged, John Galt’s perception of the world around him conceptualizes Ayn Rand’s objectivist’s views and philosophies.  Therefore, it is important to see how her actual stated philosophical views are reflected in the fictional writings of Atlas Shrugged.  Each axiom can be seen through the eyes of her created, heroic character, John Galt. 

Objectivist Axiom #1:  “Reality exists as an objective absolute—facts are facts, independent of man’s feelings, wishes, hopes or fears” (Ayn Rand Institute, 1996).  In Atlas Shrugged, John Galt states, “Reality is that which exists; the unreal does not exist; the unreal is merely that negation of existence which is the content of a human consciousness when it attempts to abandon reason.  Truth is the recognition of reality; reason, man’s only means of knowledge, is his only standard of truth” (Rand, 1999, p. 1017).

Objectivist Axiom #2:  “Man—every man—is an end in himself, not the means to the ends of others. He must exist for his own sake, neither sacrificing himself to others nor sacrificing others to himself. The pursuit of his own rational self-interest and of his own happiness is the highest moral purpose of his life” Ayn Rand Institute, 1996).  Happiness, therefore, as explained through the words of John Galt “is the successful state of life.  Happiness is that state of consciousness which proceeds from the achievement of one’s values” (Rand, 1999, p. 1014).

Objectivist Axiom #3:  “The ideal political-economic system is laissez-faire capitalism. It is a system where men deal with one another, not as victims and executioners, nor as masters and slaves, but as traders, by free, voluntary exchange to mutual benefit. In a system of full capitalism, there should be (but, historically, has not yet been) a complete separation of state and economics, in the same way and for the same reasons as the separation of state and church” (Ayn Rand Institute, 1996).

      John Galt’s perception of the ideal political-economic system saw the ultimate view of man as one who was totally in control of his life and work.  He believed that “every man is free to rise as far as he’s able or willing, but it’s only the degree to which he thinks that determines the degree to which he’ll rise” (Rand, 1999, p. 1064). However, Galt holds disdain for those who benefit from the contributions of those who have reached their potential and exist at the top of the intellectual and creative pyramid of intellect and creative knowledge and power, and yet do not produce themselves.  

“In proportion to the mental energy he spent, the man who creates a new invention receives but a small percentage of his value in terms of material payment, no matter what fortune he makes, no matter what millions he earns” (Rand, 1999, p. 1066).  Therefore, in Galt’s mind, as well as Rand’s, there is a disproportionate reward for those who create and for those who simply partake of the intellectual creativity of others.

The motto for Galt’s objectivist theory is found at the end of his infamous and revealing speech which epitomized his views on society, life, objectivism, and the reasons for his departure from the world, even if only for a short time.  “You will win when you are ready to pronounce the oath I have taken at the start of my battle—and for those who wish to know the day of my return, I shall now repeat it to the hearing of the world:  “I swear by my life and my love of it, that I will never live for the sake of another man, nor ask another man to live for mine” (Rand, 1999, p. 1069).

Galt’s speech is totally aligned with Rand’s basic philosophy of the nature and purpose of selfishness in one’s personal, as well as corporate life.  “Since selfishness is ‘concern with one’s own interests’, the objectivist ethics uses that concept in its exact and purest sense.  It is not a concept that one can surrender to man’s enemies, nor to the unthinking misconceptions, distortions, prejudices and fears of the ignorant and the irrational.  The attack on selfishness is an attack on man’s self-esteem” (Rand, 1964, p. xi). This attack on one’s self-esteem was not an attack that John Galt chose to let emerge in his own personal life.  Therefore, he retreated in order to gain supremacy over his own life, creative thoughts and abilities.

            Selfishness to Rand and to Galt was not something to be avoided.  Selfishness was to be embraced and celebrated.  Rand’s views were that the attack on selfishness was “an attack on man’s self-esteem; to surrender one, is to surrender the other” (Rand, 1964, p. xi).  As Galt’s final self-interest led him to retreat from a society he believed was comprised of moochers and looters, he demonstrates fully his philosophical and moral agreement with Rand that the idea and practice of selfishness as a virtue should be lauded and held high in the realms of intellectual honor and esteem.  

Galt, although not a philosopher by trade, influenced his generation through his own philosophic thought and commitment to his ideas. His contributions thereby exceeded those that only a scientist could bring forth.    “Perhaps the greatest contribution of the analytic philosophers is their personal witness to the importance of meaning and their faith in the possibility of making meanings clear” (Kritsonis, 2007, p. 73).  Galt contributed, in essence, new meaning and life through his innovative leadership and objective philosophies and intellectual premises and pursuits.

Religion

            Ayn Rand was a self-proclaimed atheist.  Her “god” was the capitalistic society where each man produced from his own individualism and creativity.  Worshiping a god, such as the Christian God, was to Miss Rand a representation of naïveté and a misunderstanding of the essential purpose of life. 

            In the Christian gospel, the value of the individual is paramount.  Whether rich or poor, well-known or hidden from the vastness of society and its existence, Christianity presupposes the value of the individual.  God, as Creator, values the individual and provides a way of redemption for his creation to ensure their eternal happiness, reward, and eternal longevity which are ensured to those who believe in Him and trust in His providence and guidance throughout life with the hope of securing a future and destiny in-line with God’s purposes and design.

            For Rand, the individual who does not conform to her romantic idealized version of life is potentially unworthy of respect or consideration.  This view could have influenced her view of abortion and the rights of the unborn, who at birth are truly “non-producers” and who are totally dependent on someone else’s care, generosity, and commitment   To Rand, “an embryo has no rights.  Rights do not pertain to a potential, only to an actual being.  A child cannot acquire any rights until it is born” (Hull and Peikoff, 1999, p. 337).  Rand’s view of abortion is that it is a “moral right which should be left to the sole discretion of the woman involved” (Hull and Peikoff, 1999, p. 337). 

            It is interesting to note, that in Atlas Shrugged, sexuality is not mentioned as a form of pro-creation, but simply as an act of encounter that does not require continual commitment or a dedication to a relationship that has the ability to transcend time and become an integral party of one’s entire being and ultimate life legacy. 

            Rand’s ideology is in many ways in direct contrast to Christian values and virtues.  Christianity espouses the centrality of a triune God who is benevolent and caring to the population of mankind.  In contrast, Rand’s god was materialistic.  Rand’s heroic characters were those who lived for themselves.  Dagny Taggart’s sexuality was in direct contrast to the Christian teachings of morality and purity.  Where Christians are admonished to “die to one’s self”, Rand encourages the “self-life.”  However, Rand’s writings do give the astute student of philosophy a chance to compare and contrast the values of the world and therefore choose for oneself their own vision of morality and justice.

Concluding Remarks

 

            In conclusion, Atlas Shrugged is a novel based on the importance of rationality and man’s own individuality and freedom of choice.  There are ten major issues which are discussed in the novel and that lend credence to Rand’s philosophical views which include the purpose of life and man’s destiny and responsibilities for individualized happiness and success.  Ten prominent themes outlined in Atlas Shrugged  include, but are not exclusive of: (1)  Rand’s theory of objectivism (2) capitalism (3) socialism (4) communism (as seen through the division of labor (i.e., the looters and the strikers of the mind)  (5) feminism (6) a woman’s right to choose (7) man’s spirituality (8) man’s sexuality (9) art in literature and life and (10) the historical parallels of Atlas Shrugged with actual historical events.  By reading Ayn Rand’s Atlas Shrugged, readers can gain a new appreciation of her philosophical and literary contributions to our society and how their applications to everyday life and academic study can enhance one’s search for knowledge utilizing the comprehensive framework of the Ways of Knowing Through the Realms of Meaning.

 

 

References

Clayton, G. (1995). Economics, principles and practices (pp. 476, 567). New York: McGraw Hill. 

Hull, G., & Peikoff, L. (1999). The ayn rand reader (pp. 290, 337).  New York: Penguin Putnam, Incorporated.

Kritsonis, W.A. (2007).  Ways of knowing through the realms of meaning (pp. 11, 12, 73,266,413,430).  Houston, Texas: National Forum.

Moritz, C. (1982).  Current biography yearbook (pp. 234,331,332).   New York:

The H.W. Wilson Company.

Rand, A. (1964). The virtue of selfishness (pp. 51, 55, xi, xii).   New York: Penguin Putnam, Incorporated.

Rand, A. (1996). Ayn rand institute for the center on objectivism. Retrieved November 17, 2006, from aynrand.org

Rand, A. (1999). Atlas shrugged (pp. ix, xii, xiii, xiv, 55, 123, 131, 132, 133, 134, 138, 1017, 1018, 1048, 1049, 1060, 1064, 1066, 1067, 1069).  New York:  Penguin Putnam, Incorporated.

Riley, C. (1975).  Contemporary literary criticism (p. 423).  Detroit, Michigan: Gale Research Company.

Uyl, D. J. and Rasmussen D. B. (1986). The philosophic thought of Ayn Rand (p. 173).  Chicago, Illinois: Illini Books.