Financial Planning

Teaching and learning have taken on a whole new dimension due to the major impact of technology in schools. Teachers now have a medium to communicate effectively with one another and share ideas to better their teaching skills. They now have a pool of endless resources they can utilize to offer students the assistance they need to develop their ability and advance. The computer has improved education in many ways. There is now the reduced use of paper, which plays a role in environmental conservation. This positively supports what teachers are trying to instill in their pupils; it is important to preserve the natural environment and take care of our surroundings. There is no better way to do it than putting a stop to cutting down trees.

Other notable areas of improvements as a result of technology are;

– Information on different subject matter is readily accessible. This is not only beneficial to teachers, but students as well. There is no limit to the knowledge one can attain from the internet. What’s more, the material available is diverse since it’s presented by people from different parts of the world. This opens up a student’s viewpoint and allows for fresh, new ideas to arise.

– There is a lot of software that schools can use to create far more interesting presentations and programs. Students can use the software on projects thus they have a way to express their tasks effectively and in detail.

– Technology has helped do away with distance and time restrictions. Online education has opened numerous possibilities for students and teachers alike. You can now school or teach from anywhere in the world. Many online schools are accredited and registered with the necessary government bodies. This means that every individual interested in acquiring a higher education has the opportunity to do so now. Many people who have jobs also have the chance to pursue further studies without giving up their careers.

– The introduction of schools online has made education more enjoyable and achievable. Because this allows a visual and audio mode of communicating, everyone can share ideas, knowledge, as well as information and make others the better for it.

Through technology, education has been transformed. Learning and teaching has become more interactive. It has also done away with barriers as knowledge can now be shared across borders. Different cultures can now openly appreciate one another as they learn the various ways of life. Technology has undoubtedly improved the scope of education and through this there will be more technological advancements. Thus, technology and education are correlated; they work together to develop each other.

You might be surprised to learn that there are different types of locksmiths around. This is essential especially for those who want a more specialized service. Residential, commercial, automotive and forensics are the types of locksmiths that are accessible although the forensic ones are rare as they usually work with investigative agencies or law enforcement agencies.

Residential

Residential locksmiths are experts when it comes to making the home safe and secure. As most homes have the regular locks installed near window frames, it might compromise the safety of the family. These experts can install a double cylinder lock that needs a key inside for the door to open to give extra security. Aside from this base-knowledge they can also re-key locks as well as have them replaced in such a way that these are not easily tampered. They can also do entry gates, screen doors, sliding as well as emergency services.

Commercial

A commercial locksmith specializes in locks that are manufactured for business purposes. Examples would be installation of panic bars, replacing locks in file cabinets, installation of automatic door closer, safe/vault installation as well as installing a master-key system. Panic bars are especially important as they would provide workers a means to exit the building premises in case of emergencies.

Automotive

Automotive locksmiths are the ones that you go to if you ever need a spare car key or want a replacement when you’ve lost the original car key. These experts can help automotive owners in choosing the right type of car keys that would best suit their needs. Most automotive locksmiths are familiar with transponder car keys and can also do re-programming at a lower price compared to the same service that car dealers offer. Aside from transponders, they can also unlock cars, change or replace ignition locks, provide laser cut keys and even offer lock services for high security vehicles.

Services

In choosing the locksmith that would best suit your need(s), it is important to deal with a company that is licensed and has done background checks on their employees. This is to make sure that the company that you would be transacting with is legal and since some items in the house might be valuable or important documents are inside vaults or safes, one is assured that the person they are dealing with is someone who they can trust. Consider talking with someone who knows a reputable locksmith especially if you’ve just moved in or purchased a new home or office.

What is advertising?

It is hard to find a satisfactory definition of advertising.

A picturesque way of putting it is to call it business imagination, an imagination that sees in a product possibilities which can be realized only by appealing to the public in new ways to create a desire where none existed before. It is a very broad word, an omnibus word conveying different ideas to different people.

No advertising definition is here possible except as this entire article may be accepted as a definition. So rapidly has advertising advanced through its various changes that even the latest dictionaries and encyclopedias are out of date in their attempts to define it. The advertising of yesterday is not the advertising of today. Men not so very old have witnessed its entire development from an untrustworthy instrument of quacks to its place as an engine in the conduct and expansion of business.

Advertising in the dictionary sense has a history as old as that of the human race. Just as soon as there were enough people in the world, some sort of formal announcement had to be made. The early history of such announcements – from proclamations to the beginning of pictorial and lettered inscriptions, from these primitive posters to the discovery of printing, and from the advent of printing to the beginning of real advertising – is of interest only to the archaeologist. It is of no value to the business entrepreneur. It would be of no assistance to understanding modern advertising than ancient Phoenicians coins would be to comprehending the principles of a modern bank.

Every attempt to secure the sale of a product or service is advertising. The wares of the primitive merchant displayed invitingly in front of his booth is advertising. A want ad, to secure a job or an employee, is advertising. An inscription on a wall, the barker in front of a side show, the promises of an internet marketer, the announcement of a new online technology, membership in an affiliate program, wearing a peculiar shirt or distinctive sticker in your car – all these are forms of advertising in that they seek to attract attention to a product or a service that is for sale. For a product or a service of general use, rich and poor, high and low, men, women and even children, must be appealed to.

At least one principle we know of, stays constant, not eroding with the passing of time or the use and or abuse of men, not concerned with the weather outside, nor considering your personal health status, or taking into account your surrounding circumstances, and that is that you have to keep doing it, it has to be fed, no way around it, it keeps asking for every ounce of your commitment if you expect any kind of visible returns.

Whatever the appropriate definition of advertisement is, one thing is to conclude, it is because it has been. And every succeeding year since the beginning of the human entrepreneurship it has left its precious deposit of new ideas, better methods, larger and swifter efficiency, and the promise of an even greater growth.

 

The 1990s witnessed one of the most rapid rates of technological innovation in the 20th Century. A movement which spurred an increase in the availability of mass media and helped usher in an era where music was shaped by emerging technologies, transforming not only the songs of the 90s, but changing the world of music for the decades ahead.

At the epicenter of the new wave of technological innovations in the 90s was the digital revolution. Bulky, single-purpose mobile phones were replaced with smaller devices loaded with lots of embedded functionality. The internet grew exponentially from anonymity to become a digital communication and information super highway adopted by 50% of Western Countries. Helping to increase the dominance of the internet was Intel’s creation of the Pentium chip. For their part, computer hardware manufacturers added staples to their personal computer offerings such as CD burners and CD Rom drives.

With the onslaught of new technology came a transformation of the songs of the 90s. The 1990s heralded the dawn of the boy band, teen pop sensations, commercial and sampled hip-hop music tracks. Even armchair musicians would be given a chance to make more significant musical contributions with the glut in musical technology as it became possible for a wider number of musicians to produce electronic music. What started out sounding like dance music was gradually less targeted towards the dance-floor audience and more towards home listeners. This genre later became known as “Electronica”, or in its slower manifestations, “Chill-out” or “Ambient music”.

In late spring 1998, the first Mp3 player was released, alongside the 32 and 64MB Mp3 players. By the mid 2000’s the Mp3 format would overtake the CD player in popularity. Early adopters of the technology – mostly younger music audiences would be given the opportunity to endorse their preferred music tastes — the pop songs of the 90s, catapulting pop stars into the spot-light. Not surprisingly, between 1997 and 1999, American teen pop stars and groups were all the rage, with some of the more popular acts being the Backstreet Boys, NSYNC, 98 Degrees, Christina Aguilera and Britney Spears. This scene targeted the younger members of Generation Y.

Today, technology continues to play a vital role in deciding which music we allow into our personal space. The internet and new media have built on top of the foundations laid down in the 1990s bringing better access to talent that might have gone undiscovered in the past. Songs of the 90s evoke a sense of nostalgia of perhaps the decade in which the dominant music genres of today were still in their infancy.

If you’ve never heard of Collembola, you’re not alone. Until recent years, it was thought that these soil borne creatures were essentially harmless. Even doctors vehemently denied that springtails were likely to infest human hair and skin. Folks who suffered from chronic itching, biting and crawling sensations were often considered delusional, but that mindset is slowly changing. Mounting evidence suggests that these micro-tiny pests can be surprisingly invasive.

Thanks to the tenacity of folks like Dr. Frans Janssens and his colleague, Dr. Kenneth A. Christiansen, the scientific community is beginning to recognize that springtails can pose a very real threat to human comfort when present in large numbers. The two researchers collected scores of reports from homeowners, doctors, and pest control operators in several countries, including many regions of The United States. Within the gray areas between casual testimony, scientific observation and concrete medical documentation, a startling picture emerged. Collembola are everywhere, and it’s not impossible for them to latch onto humans and animals.

As inhabitants of fertile soil, springtails are likely to be found just about anywhere. The more you water the lawn and apply fertilizer, the happier they’ll be. They are considered the most abundant arthropods on earth. Since prehistoric times, they have survived frigid winters and very hot summers, but their numbers decrease exponentially under dry conditions.

Pet owners are particularly vulnerable to collembola infestation. Dogs and cats who trample through moist soil or wet grass can pick up springtails and transport them into the home; however, it’s not likely that springtails will stay attached to pets like fleas unless an animal’s immune system is compromised (for example, if there’s a fungal infection of the skin.) Springtails are easily transferred between humans and animals. Close contact isn’t necessary. These acrobatic creatures can jump three to four feet. You may not always notice them catapulting through the air. They can be smaller than the head of a pin.

If the thought of a few springtails in the house makes you paranoid, relax. Their ability to divide and conquer will largely depend upon environmental factors. Do you enjoy growing potted plants indoors? Does your basement tend to flood after a good rain? Can you smell mold behind the bathroom wall? Are you still waiting on a plumber to fix that leaky pipe under the kitchen sink? Who was president the last time you cleaned your air ducts? A moist, moldy environment is like Disneyland to a springtail.

Getting rid of an advanced collembola infestation can be difficult because springtails aren’t classified as insects. They are defined as hexapods, primitive ancestors to modern day bugs. According to organic scientist David Glassel, chemical pesticides have no effect on the hexapod. Only natural insecticides will do the trick, and the best remedy is cedar oil.

Step By Step Guide to Eliminate Collembola Infestation:

1.) Treat yourself and your pets with a topical cedar oil insecticide approved for use with humans and animals. Avoid cosmetic or aroma therapy grade cedar oil. It’s not purified, and it usually comes from certain forms of cypress trees. Cedar oil that is formulated for home protection will kill ALL TYPES of parasites on contact, including springtails, lice and all forms of mites. If you’re tempted to use an over the counter kit designed for lice control, don’t bother. It won’t work, it’s not enough to cover large areas, and it’s just plain not good for you. Such products contain Lindane, a chemical banned for use with animals by the Environmental Protection Agency.

2.) Spray couches, beds and carpets with a fine cedar oil mist. A proper household formula will be very light and pure. In other words, it won’t stain fabric.

3.) Use a cedar oil fog machine to penetrate unseen cracks and crevices in the home. Normally, fog machines are considered optional, but advanced springtail infestations require aggressive measures. If you believe your infestation is severe, or if you’ve actually SEEN large groups of springtails moving over floors and walls, don’t mess around.

4.) Use the fog machine to treat air ducts or hire a professional air duct cleaning company. Many people are shocked to discover they have mold in their air ducts. It is not uncommon for mold to develop in your heating and cooling system from the condensation of your air conditioner. Springtails feed upon mold and thrive in moist conditions. Mold can also aggravate asthma and allergies. Air duct treatment addresses all of these difficulties.

5.) Purchase the highest quality furnace filters available at your local store. Filters designed for allergen and dust mite removal are best. Change filters frequently.

6.) Hunt for places where moisture accumulates. Patch leaky roofs and pipes. Seal cracks around basement windows. Pay special attention to bathroom walls and cabinets under sinks.

7.) Remove household plants, especially decorative trees sitting in large potted containers filled with soil. Remember that springtails can be transported directly into your home via bags of potted soil.

8.) Take aggressive measures to control animal populations on your property. Double bag garbage, and don’t leave open trash barrels sitting around. Animal foods that are stored outdoors should be kept in airtight containers. Use traps or repellents to control rodents, raccoons and squirrel populations. Resist the urge to pet stray dogs and cats. Report any sightings of feral cats to your local animal control center.

9.) Beware of ultra rich potting soil and wooden landscaping materials. Based on calls placed to our pest control operation from all over the country, springtail populations are often introduced to the home when truckloads of new mulch or soil have been dumped on properties that previously had minimal landscaping. (Mulch traps moisture and promotes the growth of mold.) Seal any cracks around basement windows before distributing natural landscaping materials around the perimeter of the home. If you’re worried about collembolla populations outdoors, there are super strength cedar oil concentrates designed to repel mosquitoes and kill insect populations in the grass and soil. Pet breeders, horse keepers, and livestock farmers use cedar oil concentrates to control all types of parasites in barns, pens and pastures. A generous treatment early in the spring or summer will do a lot to destroy eggs and control multiple insect populations before they explode. Veterinarian bills are EXPENSIVE. Destroy parasites before they destroy you!

10.) Last but not least, avoid chemical pesticides. In February of 2011, USA Today ran an article titled “Exposure to Pesticides in Womb Linked to Learning Disabilities.” The study focused on peremethrin, a chemical commonly used to battle household pests. As disturbing as this sounds, the topic is nothing new. Scores of scientific studies have linked chemical pesticides to neurological disorders, breast cancer and birth defects in children living near farms where chemicals are sprayed. In a nationally televised ABC World News investigation, spot drop flea and tick medicines were found to cause 44,000 severe reactions in a single year, including multiple deaths.

Are you an animal lover? Do you communicate with your pet? If you have long time experience of keeping pets then you probably understand their language. We do possess the skills that help us to interact with the animals. This is the reason why we human beings are much different from the other animals. To communicate with animals you can take the help of these tips.

• Start with your own pet- Your pet parrot can give you a good start. The best reason is that you already have a good connection with it and will understand better. Observe the pet keenly about how it behaves. This will give you a good idea about their behavior.

• Wait for their response- Let the pet respond when you say them anything. The response is important so wait for their response and do not continue to talk with them. While they reply their behavior can be analyzed in a better way. Give them the time to understand and apprehend. Of course, you do not expect to talk back. They will respond you in their own way. It can be a word, a whistle or even a gesture.

• Give proper responses- Always reply to your pets call like you do when your friends call you. If you do not pay attention to them they will become inattentive to you. If you are ignoring it this will be the biggest mistake you are making. If you feel that the pet is not responding enough then you have to take them to a pet psychic to restore their ability to speak again.

• Communicate with other animals- The moment you are able to connect with your pet you should give them more time. Always treat them well and with care. Whenever you are alone sit with the pet and take to them. You will enjoy very much when they are around you. At this point of time, you are also prepared to communicate with other kinds of animal.

To conclude it can be said that the more you talk with your pet and observe their response the more you will be learning about them. In this way, you can learn to communicate with other animals. To learn more you can take help from the net where you will find a lot of information about pet psychics, animal talk, and animal communication if you are interested in the subject.

 

There are some instances where travel agents can travel for free, but for the most part they do come out of their pocket. Below are three instances where travel agents can rack up extra savings and put money back into their pockets.

I will share my savings experience as a home-based agent, which has caused me to save hundreds of dollars!

Get Paid on Retail or Sale Pricing

When I travel as an insider, I get paid when I book travel for myself (and of course I get paid when I do it for others). The price I pay could be the same as any one that is not part of the industry, the difference would be I get a check and you don’t! Commissions are already built-into the price of what you see online or what your travel agent quote you already has the commissions built-in. (they are never in addition to price quoted, if you are told extra fees need to be added to cover commission… run)

Travel at Net or Wholesale Pricing

Now, if I decide that I want to travel at a lower cost and forgo my commission, I still have to pay the net cost, I just would not get paid for the trip. You can get travel at great bargains if you travel this way!

But, I must add that various agencies may have ‘special’ discounted trips that agents can take for themselves or sell to their clients and STILL get a commission! I love these because your getting paid AND the rates can be even better than net rate PLUS you have a great deal you can offer to your clients. Only downside is that there may be a limit on how many can travel and restricted to specific dates.

Travel on the Industries Dime

What about those really dirt cheap trips? Yes, dirt cheap destinations do exist and are exclusive for travel agents and are typically known as FAM trips or Familiarization trips. These trips are more educational for travel agents and teach agents about the property or destination experience they are visiting.

Vendors invite agents on these ‘FAM’ trips so they can get more in-depth knowledge to share with their clientele. The goal is to promote to get more bookings for those properties or destinations. Prices for these trips are such a steal that they might as well be free!

Just to recap, travel agents pay for their trips in four ways:

1. Travel at retail pricing & get paid the already built-in commission

2. Travel at retail minus already built-in pricing (therefore no commissions are paid)

3. Travel at wholesale plus get a commission (vary per agency and limits dates & quantity)

4. Travel on a FAM trip – steeply discounted trips (exclusive to travel agents

The 5 components of physical fitness are often used in our school systems, health clubs and fitness centers to gauge how good a shape we are truly in. The 5 components that make up total fitness are:

  • Cardiovascular Endurance

 

  • Muscular Strength

 

  • Muscular endurance

 

  • Flexibility

 

  • Body Composition

Total fitness can be defined by how well the body performs in each one of the components of physical fitness as a whole. It is not enough to be able to bench press your body weight. You also need to determine how well you can handle running a mile etc.

A closer look at the individual components:

Cardiovascular endurance is the ability of the heart and lungs to work together to provide the needed oxygen and fuel to the body during sustained workloads. Examples would be jogging, cycling and swimming. The Cooper Run is used most often to test cardiovascular endurance.

Muscular strength is the amount of force a muscle can produce. Examples would be the bench press, leg press or bicep curl. The push up test is most often used to test muscular strength.

Muscular endurance is the ability of the muscles to perform continuous without fatiguing. Examples would be cycling, step machines and elliptical machines. The sit up test is most often used to test muscular endurance.

Flexibility is the ability of each joint to move through the available range of motion for a specific joint. Examples would be stretching individual muscles or the ability to perform certain functional movements such as the lunge. The sit and reach test is most often used to test flexibility.

Body composition is the amount of fat mass compared to lean muscle mass, bone and organs. This can be measured using underwater weighing, Skinfold readings, and bioelectrical impedance. Underwater weighing is considered the “gold standard” for body fat measurement, however because of the size and expense of the equipment needed very few places are set up to do this kind of measurement.

Why the need for physical fitness testing?

As stated earlier the 5 components of physical fitness represent how fit and healthy the body is as a whole. When you have the battery of tests performed you will receive information on the specific areas you made need to work in. A very specific goal oriented fitness program can be developed from the test battery.

If body composition is of (higher fat compared to muscle mass) there are many health related diseases and illnesses you have a higher chance of contracting. It is important to combine healthy eating habits with your exercise program.

If you scored low on the cardiovascular test you would have a higher chance of being at risk for heart related illnesses and would not do well with activities that require longer times to complete. You would participate in things such as long bike rides, swimming and jogging for extended periods of time to correct this component.

The next three tests can have results that are isolated to specific joints and muscles of the body or affect the body as a whole.

If you score low on the flexibility tests, you have a greater chance of decreased performance in daily living activities/sports and a higher risk of injury. You may also experience low back pain. It would be important to included flexibility training into your workout everyday.

If you scored low on the muscular endurance test you fatigue early into the exercise or activities of daily living. Many exercises that require high reps and low weight would be implemented into your training program.

If you scored low on the muscle strength test you do not have enough strength to perform well in sports, resistance training and activities of daily living. Your fitness program would have a progressive strength training component added that would allow you to become stronger with little chance of injury over time.

Fitness testing has its limitations – while it gives you a good idea of where your body is, it does not paint the entire picture. As stated earlier some of the above tests are only testing specific body parts. Other important factors such as balance and agility are not tested. It also requires the ability to perform the tests. It would be dangerous for someone who is in poor condition and does not exercise to participate in fitness testing.

Before deciding to undergo fitness testing, make sure you know why they are being done and determine that it is safe for you to participate.

 

Nowadays online advertising is a popular trend among all business owners. Online advertising has emerged as one of the most powerful tool of advertising. This is because the wide reach of Internet and online advertising websites.

The dependency of people over Internet has increased drastically. They now knock the doors of search engines or various online service providers in any specific domain of their interest. Therefore, having a powerful online presence helps business owners or online traders in getting more and more number of customers for their particular products and services.

 

Having powerful presence does not mean just owning a domain name and a website. You need to be easily noticeable and your potential customers should identify and get you easily. For that, you need to promote your online presence. It does not matter whether you are providing services of products online or not. Even if you are operating an offline business, you need to have your powerful identity over internet, so that the potential customers of your products and services segment can find you easily.

 

Online advertising helps businesses in targeting global customers. You can operate your business from anywhere in the world and serve your customers across globe if you have your powerful presence online. Therefore, online advertising serves your aspirations of getting global exposure within very short span of time.

 

Online promotion of your online identity, your products or services being offered by you is very cost effective. You do not have to spend lot of money for promoting yourself on internet. Your expenditure in online promotion is just a fraction of what you had to spend on traditional modes of advertising in popular print and electronic media. Therefore, cost effectiveness is the most important purpose behind stress on online advertising. Through online advertising people can expect maximum returns of their investments.

 

There are different forms of Internet Advertising. Banner advertising and pop-up ads are now matter of past. They are still present and equally popular as they were before, but now the stress is on search engines based advertising. People now understand that if they are getting top search engine ranks in almost every popular search engines, then no one can stop them from getting success in their business.

Many people get confused about the role of advertising in the marketing mix so here’s a simple view of where it fits in.

In the traditional marketing model, we talk about the 4 P’s

o Product

o Pricing

o Place

o Promotion

The last section – Promotion is what we mean when we say you are “doing your marketing”. It’s your communications or your actual marketing activities.

But first, let’s get clear about the PURPOSE of marketing and why you want to get good at it.

“The PURPOSE of marketing or it’s biggest task is to

persuade prospects to visit you online or offline so you

can present your offer. Done well they come waving their

credit card and ready to buy so there’s no need for hard sell.”

Whenever and wherever you get in front of your potential market is your marketing opportunity – you are communicating or getting your message across.

You could say this started as far back as Babylon when the Town Crier was the only delivery method! They went around town shouting out to people to go to the marketplace and you went to the marketplace with your goods to “present your offer”.

With the invention of print and other technologies you now have a smorgasbord of delivery methods or media to reach people such as

o Print – newspapers, magazines, catalogues, newsletters

o Phone, mail, fax

o Radio & TV,

o Internet – through websites, blogs, social networking sites, email, video & Audio podcasts

o Teleseminars & webinars

o Mobile media – Blackberrys and mobile or cell phones

o And lets not forget in person public speaking and networking

Now that range adds a level of complexity. But choice is good and you don’t have to use all of these but they are available to you.

In any event you’ll either be speaking or writing. Simply narrow down what makes sense for you and your business and use your strengths to work out a plan.

JUST remember the marketing principles remain the same no matter the medium – so the PURPOSE of your marketing is still the same. To persuade prospects to visit you online or offline so you can present your offer.

So where does advertising fit into this?

Advertising is simply a subset of your marketing activities it’s the SALES function when you make the sales pitch or “present your offer”. This could be verbal or written in all the same media you use for your marketing communications. What adds to the confusion is sometimes big companies use image based ads for awareness so the “sales pitch” isn’t obvious.

But the primary purpose of advertising is to SELL.

So you create ads in one form or another and get them in front of your audience.

Small businesses can’t afford to waste money on image advertising that is designed for the masses to promote a well known brand. It simply isn’t designed to sell, NOW.

What I do and recommend is Direct Marketing which is based on one-on-one relationships and uses proven direct response advertising techniques instead of mass advertising.

The purpose of a direct response advertisement is to get a response, NOW! Which means these ads actually ask the prospect to DO something.

Whether you’re building a list, selling a product or service, an appointment or even something you are giving away – you still need to “sell” it to your prospect. And ask them to take the action you want them to take to move them through the sales process.

In a nutshell, advertising is a subset of marketing and direct response marketing and advertising is the champion for small business.