A wise entrepreneur once told me, The whole art of starting and maintaining a business lies in the management of people. You can have a good idea, but a bad team can screw it up. If you have not so good an idea, but have a good team, you can make wonders. Its often said that collective decisions of teams are generally more successful than one person making the decision without consulting the rest. Yet, sometimes, a team can make a bad collective decision. From entrepreneurship to venture capital, we now explore the dark side of teams.

We often hear about how successful teams can overcome obstacles in their startup. Here is a reason why you should believe in teams. You might not agree with me, but hear me out. There are four essentials features of an enterprise: team, business model, idea and cash. To most businessmen, cash is king. However, not many of us have the luxury of cash that can allow us to pursue our business. Then we look at the idea and business model. No matter how good they are, they need a good team to execute them. Hence it remains that team should be the most important feature of every startup. Of course, the other problem which is faced by most Singaporean entrepreneurs is that no one wants to work for startups, because of the lack of or diminished pay and employment benefits. The other reason is that when a Singaporean works for a startup, the bosses make their lives harder by squeezing them off. There is no win-win situation for them. Of course, as the wise people always say, The pasture is often greener on the other side.

Even though we speak of the advantages for having a strong team, we should look at the whole thing from the other angle. This allows us to have a good perspective when a good team might slowly corrupt and slip into a bad one. There are no rights and wrongs when it comes to teams, but it is important to have checks and balances. So, we roll out the dark side of the teams:

1. A good team plans well, but they must execute just as well: This is what I call the paper teams. A lot of people like planning because it empowers them to set the strategic directions and give themselves ownership of the enterprise. However, there is the tendency of the members of a good team who end up all as planners rather than people who execute the plan. In a startup, there is no luxury for the team to just plan. It is important that they remember to get their hands dirty. I have seen good planning done by entrepreneurs with their startups, but the moment when they are asked to execute, they start to make mistakes. Most of the time, they erred because they made too many assumptions in their business plan. They forget that assumption is the mother of all screw-ups. Somehow their roles and responsibilities to execute the operation are independent of the original business plan. In such cases, they are not really that good a team after all. A good team can adapt to two good roles: both the planning and executing phases of their enterprise.

2. A good team may make an unanimous decision, but someone has to play the devils advocate: If everyone in the team keeps saying yes for every decision, eventually they will end up in making a bad unanimous decision. Why is it so? There is a concept known as creative tension, where a team is split into two to counter-argue each other until they both come to a consensus to decide on the optimal course of action. Notice that I use optimal instead of correct. When we negotiate a partnership with another organization, it is important to do some due diligence on the other organization. Do not jump to conclusions so early because your organization may not need the partnership. When we raise money from a venture capitalist, we must look at the terms and conditions in the contract carefully. Do not end up signing a contract when your whole team end up becoming employees for the venture capitalist. They may offer you more money, but you must really scrutinize their motives behind those goodies. If the team is strong, they must be able to tolerate the person whos playing the devils advocate and not a destructive influence to the teams cause.

3. A good team may make mistakes, but they must make a comeback: Some good teams collapse upon failure. The members blame each other and not thinking what the next steps are to ensure a comeback. It is human nature to assign blame to others for the failure of a project. A good team has higher tendency of assigning blame because they have a higher expectation of themselves to succeed. However, failure is part and parcel of life and the real failure of most teams failing to bounce back is the inability of re-organizing their efforts to get back into the game.

4. A good team can resist anything but temptation (cash, egos and power): All it takes is money, ego and power to split a good team. We often hear stories of power struggles in companies when there is a clash between two or a few personalities. The clash of egos are often destructive influences to most teams. If you want an example of a good team, look at the early team of Microsoft (Bill Gates, Paul Allen and Steve Balmer) versus the early team of Apple (Jobs, Wozniak, Markkula). The early team of Microsoft has managed to transit to a much stronger team, in comparison to the early Apple team, that led to Jobs being ousted and the company went into limbo for ten years. This is where loyalty and a win-win attitude needs to be bred among the founders to ensure the maximum winning chances of the team making big leaps for the future. Otherwise, they will succumb to the dark side and fall apart.

So, good teams are not really that invulnerable because they are composed of human beings like you and me. So, be cautious and be prepared for the worst and do your best not to let a good team fall apart.

Bernard Leong is currently an adjunct assistant professor at the National University of Singapore (NUS). He sits on the steering committee for the Start-Up@Singapore business plan competition, and he is also the founder of http://www.sgentrepreneurs.com. To learn more about the Start-Up@Singapore business plan competition, please visit http://www.startup.org.sg

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Giving a good PowerPoint presentation is a tough job, but getting the audience involved in it is even harder! It is only through some tactics and methods, can you get the audience to get involved in your PowerPoint presentation. So try them out and see the effects!

The first and foremost thing to remember when making a presentation is to make the audience engaged and listen to you by asking them good questions. Make it a point to ask the audience a challenging question in the middle of the presentation, and wait for the response. If someone calls out an answer, repeat it for others benefits

Try getting more than one response, as this really wakes up an audience, and makes them more focused on your presentation. If at all you come into a speaking situation wherein the audience has been lulled into a passive state by some previous presentation, you can create an immediate impact by starting some interesting question. You could ask them a question like how many people drive more than ten miles to work everyday, if you are starting a presentation on telecommuting.

If you ask a question, always make sure to raise your own hand to encourage a response of a show of hands. Another thing to remember to get the audience involved in the presentation is to make sure you give your presentation in their language. Meaning, it is better to use simple words as if you use words with five or more syllables, you will only end up in making the audience walk away with a completely different message from what you were trying to communicate. If the audience cannot understand what you are presenting, how will they get involved in the presentation?

You could also start your PowerPoint presentation by getting the audience to think right away. Make them think about, or perhaps enact something related to the presentation you are about to make. To keep your audience with you throughout the presentation, organize the presentation in an easy to understand format. Limit the main points to three or four, as most people do not remember more than four points at a time. Most of the times, the PowerPoint presentation you give will be related to selling some product to the audience. As most of us tend to become uncomfortable with the selling process, the presentation tends to dwindle off at the end, when they should instead, close with a clear and bold call to action slide.

A call for action is a term used in advertising wherein it tells the audience what you would like them to do. Therefore, in case you are making a fundraising presentation, the call-to-action slide should ask the audience for financial commitment. If it is a new project you are presenting, then the slide should tell the managers the exact steps they need to take to help you start the wheels rolling. A well-designed and simple PowerPoint slide takes the burden off you as the audience gets involved reading whatever is on the slide.

Thomson Chemmanoor a powerpoint background template designer who runs the following websites. http://www.articlenetworks.com a article submission site and Web design company http://www.digitallabz.com

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Not too long ago, most merchandise you purchase from any first world economy is made in China. And this is a logical occurrence due to the availability of cheap labor China readily provides. This same concept applies in outsourcing services to another country where there is an educated labor pool which is acceptably cheaper than the labor pool available in the source country.

A lot of people are still against the idea of customer care as a service department being outsourced to countries such as India or the Philippines. However, coming from the perspective of business stake-holders, in an attempt to establish an edge over their competition, they are left with no choice but to take advantage of the expense cuts that outsourcing can easily bring. As long as the service provider is able to provide quality service, there is no difference whether the service an end-user is receiving comes from the same country or another continent.

As negative as the reputation of outsourcing is in America or in Europe, this trend is bound to continue along the lines of the global village framework. One of the biggest fears for people is the myth that outsourcing is funneling precious jobs to another country. Current trends see these jobs being sent to third world economies. But a misconception remains. Jobs outsourced are non-vital responsibilities. As tempting as the advantages of cutting costs are to businesses, they cannot afford to risk vital decision making processes to entities outside their corporate umbrella. This means that employees who were previously tasked with non-vital tasks will now be available to do more critical job responsibilities. There will be no void in the job market as the misconception suggests. Rather, cutting costs will equate to a more lucrative business environment with an inevitable increase in buying power and other opportunities (better opportunities) will open up for employees who previously held non-vital responsibilities.

Global Sky is a US owned and operated call center based in the Philippines offering US Quality at Offshore Rates. Find out more about Philippines call centers and call center outsourcing. Also check out our call center services.

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If you have a website, you understand that traffic is a necessity to survive in the world of marketing. There are many ways that you can promote traffic to your website and generate tons of revenue. You should expect to spend a little time developing a successful system to generate traffic. Additionally, it may take a few dollars to assist in your advertising measures. With a little effort, you will be setting your website up for a large amount of traffic that is sure to help your business to succeed.

One of the most important details to the overall success of your website is to purchase a domain name that is unique and useful to your website. The domain name should represent your business in a short and to the point way. It should be created so that it is catchy and relevant to potential customers.

Another important aspect of gaining website traffic is the actual content that is on the website. If possible, it is vital that you try to purchase website space that does not contain many annoying banners and other forms of advertisement. This has proved to frustrate potential visitors and could cause you to lose their business. Customers enjoy visiting a website and experiencing new and edgy material that they cannot find in other locations. The more helpful that you seem to potential customers and the more you offer to the potential customer, the better. These types of details will allow your customers to gain confidence in you and the market that you represent.

It has been proven through much research that search engine submission is a very valuable tool in gaining website traffic. Submitting to search engines in a way that benefits your business is extremely important and very detailed work. It is important that you produce content that is keyword enriched. It is also vital that you submit to the search engines that have the most traffic.

Developing an E-Zine for the products that you represent can help to emit traffic to your website. This online publication can help to communicate any special news and details of your merchandise to your subscribers. Additionally, you may include information that someone may pass on to someone else. This can be a great source of website traffic.

One last step that can help you to increase website traffic is to remember to keep your website on edge. Update the website frequently and try to keep it as fresh as possible. People tend to get bored looking at the same things over and over again and this could lead to the loss of revenue and customers. Remember to stay on top of your game and others will play along.

Stanley Tang is an internet marketer. You can sign up for his free 7 day mini-course on How To Dramatically Increase Your Targeted Traffic at http://www.increasetargetedwebsitetraffic.com

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Most people would like to keep their digestive disorders secret as they find that having these conditions embarrassing. However, what they may not know that having a digestive disorder is in fact a very common problem. With so much secrecy and mystery, there are a lot of myths surrounding digestive disorders. To cope with the condition and improve on the quality of life, it is important that you find out the truth and dispel some of the common myths surrounding digestive disorders.

The first myth about digestive disorders is that having a bowel movement about 3 times a week is sufficient. If you have chronic constipation, you may choose to believe that so long as you appear to be functioning, having that few bowel movements is okay. However, naturopathic experts say otherwise. They propose that healthy people should average about one bowel movement every day. Just think about this. If you eat, you are likely to have waste. The point is that if you have waste every day, would you think it is necessary to clear it on a daily basis? Just like you would with a trash can. Eliminating waste is crucial before the trash can gets choked and starts to attract all kinds of parasites.

The second myth that many people have in relation to digestive disorders is that spicy foods can cause stomach ulcers. Spicy foods do not cause stomach ulcers and ulcers in other parts of your digestive system. Stomach ulcers are normally caused by bacteria in the digestive system or overuse of NSAIDs like aspirin, ibuprofen, or naproxen. Spicy food may irritate existing ulcers, but it will not cause additional ulcers.

Another myth about digestive disorders that needs to be dispelled is that cirrhosis is often caused by alcoholism. Cirrhosis is not caused by alcoholism alone. In fact, alcohol causes only one-half of the cases of cirrhosis that are diagnosed each year. Some of the diseases that can lead to cirrhosis includes Hepatitis B or C, glycogen storage disease, and more.

Lastly, it is not true that regular enemas do not cause health or digestive problems. Some people get so addicted and reliant on using enemas. However, regular enema use can cause problems with the muscle action of the intestines, which can make your intestines to not work normally. This can cause constipation or diarrhea and hence make it counter productive. Relying on the use of enemas as your cure for constipation can impact your health in the long run. Enemas should not be used on a regular basis. Make sure that you check with your physician if you are experiencing chronic constipation before becoming dependent upon the enemas.

Getting to know more about digestive health is key to achieving optional health and well being. It is vital that you dispel the various myths about digestive disorders. You can then focus your attention on taking appropriate actions for treatment, cure, and care.

Got constipation, bad breath and weight that you need to lose? Reap benefits from having good bowel and digestive health. Sign up to free research and special reports by Sandra Kim Leong on colon and liver cleansing, juice fasting and on detox cleansing diets here at http://www.Detox-Cleansing-Diet.com

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There is nothing easier than filing your return, if you have a regular job. Your taxes are subtracted from your wages automatically. You need two hours, the max, for filing. I could see that many times, when our sons were filling their tax forms. But for me it was always extremely boring and time consuming process, a real headache, if not to use more strong expression. Why? Because, that was small home business I had to file. We, with my wife, run a small artistic home business. If you have similar business of your own, you can understand

Our business is really small. Therefore all bookkeeping, banking, making records, gathering receipts, sorting them and all calculations to get ready figures to fill lines in the tax forms, all this work is my responsibility. We cannot afford a bookkeeper to do all this stuff. I do not use accountants many years, because I never could understand why people pay them big bucks. They just put ready, pre-calculated figures in proper lines. Tax programs, e.g. TurboTax, do the same. But this is the easiest, by time and efforts, part of the entire process. When this part of the work is completed, there is nothing easier than putting attained figures in proper lines in the tax forms. I do it myself.

The last step of filing process is looking in the Tax Table to get your tax, when you got ready a figure for your taxable income. This is the point, where I can share something. I have found helpful to write a program returning tax for a given figure of taxable income. I write such a program every year. First I used MS Excel for that, and then I wrote this function in C # to make it available and easy to use for other people. That was not that easy as one might think. I needed to decipher the IRS Tax Table, to reveal how it is built and put it in programmable formula.

Having the work described above done for four categories of taxpayers and corporation as well for comparison, I could not withstand temptation to draw graphics for wide range of taxable income. So I did and I was rewarded seeing the graphics, because that occurred to be really something worthy to see. I made some observations and put all the stuff in an e-book.

After all, that made the filing less boring and more creative process. Therefore I made my taxes for 2007 in time and I am happy now.

Visit: http://www.leocover-online.com

The program and e-book are available for public now http://www.leocover-online.com/taxes2007.htm

ABOUT THE AUTHOR:

Leo Cover is a retired scientist in physics and math and an experienced taxpayer for small artistic business. For more information visit http://www.leocover-online.com/AboutUs.html

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The Point of Sale scheme is the most accurate and often most complex scheme for both charging and submitting VAT. The Point of Sale scheme requires you and your staff to calculate and charge VAT, according to the appropriate tax rate, at the time the sale takes place. Extensive record keeping is essential.

There are two Apportionment schemes, each calling for you to calculate the approximate percentage of your sales and their appropriate tax rate. If approximately 60% of your purchases are for sales taxed at the standard 17.5 per cent rate, then 60% of your takings are taxed at 17.5%. Apportionment scheme 1 is for businesses with sales taxed at the standard and reduced rates, Apportionment scheme 2 is designed for businesses with sales taxed at the standard rate and zero rate.

Two Direct Calculation schemes are available under certain circumstances. Direct Calculation schemes require you to figure the percentage of your goods charged at the various tax rates. You then mark up your majority goods to include the average VAT rate. This is the most complex scheme to calculate, however you must only calculate it once.

Free VAT Advice
Should you require advice regarding charging VAT, you can contact National Advice Service, a UK helpline for VAT, Customs, Excise, Aggregates Levy, Air Passenger Duty, Climate Change Levy, Insurance Premium Tax, Landfill Tax, Money Laundering Regulations and Rebated Oils taxes. Ring 0845 010 9000 (+44 2920 501 261 outside UK, 0845 010 0300 for Welsh or 0845 000 0200 for text phone, for the hearing impaired) Monday to Friday, 8am to 8pm (8am to 6pm for Welsh service.) Translation services are available for languages other than English and Welsh.

National Advice Service can answer general questions about charging VAT, including rates and regulations, they cannot, however, assist you with your VAT registration. For VAT registration and deregistration advice, you will need to contact your local VAT office.

Private VAT Advice
Should you need additional assistance or advice for charging VAT, consider the hire services of a VAT or tax consultant. Choosing the right consultant is an important business step. The consultant you hire should not only help you reduce your tax liability but also take the stress and frustration out of the process. Choose wisely, your tax consultant will be privy to your financial records and documents.

To help you choose the proper consultant for your specific needs, create a list of all the services you believe you need from your advisor. Beyond calculating the best way for your business to charge VAT, would you like the consultant to assist you with assessments and submitting VAT to HMRC?

Some business types are so unique and their needs so peculiar that specialised financial services are needed. If you believe your business may be one of these, consider seeking out an accountant specialising in your business type.

Large accountancies offer the widest range of services and advisors. Small accountancies offer personalised services. Depending on your comfort level, you may prefer one or the other.

Accordance VAT are Tax Consultants who can provide indepth inforamtion about Charging VAT.

Please visit Accordance VAT for professional Tax Advice.

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The Pension Protection Act, signed into law on August 17, 2006, is designed to address the nation-wide problem of under-funded pension plans. The law penalizes noncompliant companies and encourages employee contributions, but many of the changes directly impact taxpayers of all ages, regardless of retirement status.

Taxpayers will benefit from many of the acts provisions, some of which come in the form of tax breaks, but individuals cannot take full advantage of the tax breaks until the new laws are fully understood, said Michael Smith, Managing Authorized Taxpayer Representative at tax services firm FSI Tax Corp. (www.fsitax.com).

The following is a rundown of the most important tax code changes and how they will likely affect taxpayers, as well as retirees.

1. Direct IRA Tax Return Deposits

Taxpayers can now have their tax returns deposited directly into their IRA accounts. The IRS already offers taxpayers the option to automatically deposit returns into checking and saving accounts. By adding IRA accounts, legislators hope taxpayers will contribute more funds toward their retirement accounts.

2. 529 College Savings Plans

Many temporary tax laws enacted by the 2001 tax cuts were made permanent by the Pension Protection Act. This includes the ability to make withdrawals from 529 college savings plans without suffering tax penalties.

Tax-free college savings withdrawals may seem inappropriate in a pension law, but this provision is welcomed by parents who would otherwise resort to tapping their IRAs to fund their childrens education, said Smith.

3. Savers Credit

Another 2001 tax break that was set to expire this year is the Savers Credit, a tax credit matching up to $2,000 for lower-income workers who put money into their retirement accounts. This tax break benefits workers who earn less than $25,000 because pre-tax contributions lower the taxpayers reportable income and the Savers Credit provides additional tax relief with its matching funds.

4. Increased Contribution Levels

In 2001, the IRS temporarily raised employee-sponsored retirement plan contribution levels from $2,000 to $4,000 this year, $5,000 in 2008 and then adjusted by inflation. The higher limits were set to expire in 2010, but the act made them a permanent increase.

This change, also intended to encourage increased contribution amounts, applies to 401(k)s, IRAs, 403(b)s, 457s and catch-up contributions for workers aged 50 and older.

5. Direct Rollovers from a 401(k) to a Roth IRA

Employees who move from one workplace to another were previously permitted to transfer their 401(k)s to traditional IRAs, both of which require taxes to be paid once money is withdrawn. Only then was the individual allowed to transfer the account into a Roth IRA.

The law now permits former employees to transfer their employer-funded retirement accounts directly into a Roth IRA, a popular option due to the fact that contributions are made after taxes are taken from earnings, which means that there are no taxes due upon withdrawing funds.

The tax code changes enacted by the Pension law benefit taxpayers and steer them toward contributing to their own retirements, explained Smith. While companies should be held accountable for funding employee pensions, each taxpayer should take advantage of changes that make it easier to ensure a secure retirement.

Tax Deductions for Charitable Giving

Non-pension-related tax code changes include several provisions that significantly increase charitable giving regulations, some of which are unlikely to please donors.

5. Documenting Items

To discourage taxpayers from inflating the value of non-monetary charitable donations for inflated tax deductions, the IRS now requires taxpayers to fill out a form detailing the gifts. Additionally, any significant household item, valued at more than $500, must be appraised before the taxpayer can take a deduction.

Many charitable organizations, including Goodwill Industries International, say the new provisions will guard against worthless donations more suitable for the trash bins, but critics argue that increased regulation will discourage would-be donors and cause a decrease in charitable giving.

6. Documenting Monetary Gifts

Monetary donations will also require documentation. Regardless of the amount, a taxpayer should retain proof of any donation. Appropriate documentation can be a bank record, canceled check, credit card statement or receipt from the charity.

These records are not required to be included in the tax return but they should be kept on hand should the IRS request proof, advised Smith.

7. Direct Donations from IRAs for Seniors

Another tax law that many charities support affects only seniors. For the next two years, donors 70 or older will be able to donate to charities directly from their IRAs, an accommodation that keeps the donated amount tax-free and avoids tax penalties for early withdrawals.

This provision benefits eligible taxpayers who take the standard deduction, which many older filers do because they receive larger standard deductions. This can also benefit individuals facing donation limits. Generally, people cannot donate more that 50 percent of their incomes, but the money does not count as income when it comes directly from the IRA.

Officials at charities such as United Way claim that despite being temporary, this provision will likely bring in tens of millions of dollars.

Other Pension Provisions

8. Automatic 401(k) Sign Up

Employers are allowed to automatically sign up employees for a 401(k). This change encourages participation from people who may not otherwise bother to sign up for the plan in the first place, though they will have the option to opt out.

9. Investment Advice

Because employees often choose safer investments for their 401(k)s, which generally result in modest returns, the act allows them to receive investment planning advice to encourage riskier investments with the potential for higher returns. The act also provides protection against dishonest advisers who steer employees toward decisions that could increase their own profit.

10. Non-Spousal Benefits

Two provisions that expand allowable withdrawals are pleasing gay rights activists. The non-spousal rollover lets retirement account assets be transferred to a designated beneficiary upon the retirees death and the hardship distribution allows retirement account assets be used for a medical or financial emergency of a beneficiary other than a spouse or a dependent.

The majority of the Pension Protection Act aims to ensure that companies fully fund traditional pension plans over a seven-year period, starting in 2008. But many provisions promote increased individual employee participation in retirement planning.

Smith said that while the new law expands allowances and makes it easier for individuals to increase retirement savings, it may be a step toward employee-funded retirement plans a move that has many critics concerned.

Author: Maggie Beetz is a writer for FSI Financial Literacy based in Columbia, MD. FSI Financial Literacy aims to spread financial awareness to clients of FSI Tax Corp. (http://www.fsitax.com), Debt Shield, Inc. (http://www.debtshield.net) and the general public. For more information call 1-877-437-4669 or email mbeetz@fsiholding.com.

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Honey is discovered my years ago as the most valuable product from bees. This product is a natural sweetener which has been consumed by mankind for many centuries. It is an easily digestible supersaturated solution of sugars, which contains fructose, glucose and maltose-like sugars, with traces of sucrose, glucose oxidase, hydrogen peroxide, phenolics, flavonoids, terpenes, etc. The sugar in honey makes it hydroscopic in nature i.e. moisture absorbing, viscous and the sugar solution concentration including other factors like low ph, hydrogen peroxide. The flavanoids, phenolic and terpenes make honey to be an antimicrobial i.e. preventing microbial growth.

Honey is scientifically proved to possess the power of healing wounds. It is very effective in wound dressing and heal the wound faster than any artificial substance. It is also potent as a therapy for eye infections. It has antibacterial activity as a result of hydrogen peroxide formed in it. It serves as an antioxidant for all smokers and people exposed to smoke from engines, vehicle exhaust, industrial machines and other smoke releasing substances. Honey is also good in the treatment of ulcers, cold, stomach ache, ear infections, skin diseases, hair loss, insomia, arthritis, hypertension, diabetes infertility etc. Honey is a good energy replenishing sweetener for all athletes of the world for better performance and last long fitness.

Honey is the natural wonder of the world which if used regularly as the ability to act as a preventive and curative substance. From the result of many scientists throughout the world, honey as a natural sweetener can improve your health for long life and everlasting fitness. But all caution must be be made to get a natural pure honey from a reliable source like a trusted and reliable bee-keeper.

Muraina Muideen is a researcher and seasoned analyst of all time. He is into infoprenuership, ideaprenuership and other internet related issues. You may read to learn more at http://www.learnersworld.net

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The new phone announced by Nokia in February 2008 is another N series phone called Nokia N78. During this time Samsung also released a 3G model, another F series phone called Samsung F400. But Nokia N78 outsmarts Samsung F400 in many ways. Lets analyze the features of both these phones and see how N78 is a better phone than Samsung F400.

Nokia N78 is a 3G smart quad band phone. This smart phone is pocket friendly and has a dimension of 113 x 49 x 15.1 mm and weighs only 102 g only. The 2.4 inches TFT color screen can support 16M colors and has a resolution of 240X320 pixels. The phone is equipped with stereo speakers and some excellent features.

The phone book has practically unlimited entries and there is option of photocall. The internal memory of the phone is 70MB and you can increase the memory of phone with an external microSD card. The phone is a powerful device with ARM and 11 369 MHz processor. The best feature of the phone is that it has both HSCSD and HSDPA. Besides that N78 has Wi-Fi 802.11 b/g with UPnP technology. USB port and Bluetooth v2.0 with A2DP and WAP 2.0 x/HTML browser are inevitable part of Nokia N series phones.

The Nokia N78 is power packed with multimedia features - it has a 3.15 MP camera with Carl Zeiss optics, flash, auto focus, 2048×1536 pixels, video (VGA 15fps), and a secondary CIF videocall camera. The media player is superb and can play files like MP3/M4A/AAC/eAAC+ as well as WMA . The phone has an inbuilt A-GPS to guide you while you stroll the streets in your favorite vacation spots. A document viewer to access Office Files to balance your work while you are traveling.

The Samsung F400 is also a 3G smart phone but the phone lacks in areas like GPS, Wi-Fi connectivity. The F400 has a dual speaker system to give quality sound effect but the gadget fails to carry the overall charm of Nokia N78. F400 is a dual slider phone with great looks but the screen is smaller than Nokia N78. The internal memory of the phone is also less than N78 and the camera is 3 MP with less pixels than the Nokia model.

Nokia N78, Nokia N82 Silver and Nokia N81 8GB are the popular Nokia Mobile Phones and these Nokia phones are available on Phone Contracts UK.

The Author Matt Damon is Sem Consultant for Buy Mobile Deals UK.

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