Outsource Your Online Business Creation And Focus On Marketing

May 18, 2017

When marketing online, you will tend to try to do everything by yourself in order to save money. Good if you are expert in everything that you intend to do but you are just wasting a lot of time and effort if you are new and try to learn everything. What you should do is outsource those skills that you do not possess and concentrate on your online marketing efforts.Imagine putting all your hard work into creating your online business and when you are done, the results are nothing but mediocre. If you are not good at something, admit it and get someone who is good at doing it to do for you.

Here are 3 types of business creation steps you can outsource.1. Website DesignIf you know zilch about HTML, PHP, FTP, etc; you shouldn’t really look into learning all of them. While they are good knowledge to possess, sometimes it is better to get a website designer to do them for you.There are many web developers online and the prices of website creation are not that expensive unless of course if you are looking to do a huge website.2. Graphics DesignIf you cannot design graphics, then stop pretending to be an artist. Graphic designers online have now become more sophisticated and with the advent of terms such as Web 2.0, the learning curve has been longer than ever if you want to do the same.What you can do is either but graphics which have been pre-designed and insert them on your websites or simply get a custom graphic designed for you. You will certainly appreciate the more stunning designs that can be created by graphics designers.

3. Writing ServicesWell, not everyone can write well. Thus you can always hire writers to write the content of your website for you. Armed with experience and mastery of the language plus an eye for researching about various topics, writers can make your job easier and you do not even need to reach out for a pen or type away endlessly on your keyboard.While there are many other services which your can outsource like search engine optimization and website submissions, you will do well to pay for such services and focus on your marketing instead.

Energy Explained Simply

May 17, 2017

Energy, it is fair to say, is a very vague concept. So where does one go to learn more? Does one have to take a physics course? I don’t think so, and to test my theory, I have tried to explain energy as briefly as I can, right here.Energy 101Energy is what makes the world go round. Literally. Every neuron that sparks in your brain, every electron that fires down a wire, every molecule burning in a fire, carries with it a sort of momentum that it passes on like a baton in a complex relay race. The batons are flooding in all directions all around us and across the universe – they are energy and we have learned how to harness them.The actual word “Energy” is a much abused term nowadays – because energy is used to represent such a disparate range of phenomena from heat to light to speed to weight, and because it seems to be able to change forms so readily, it is cannon fodder for pseudo-scientific and spiritual interpretation. However, you will be pleased to hear that it actually has a very clear (and consistent) nature.I like to think of energy being a bit like money – it is a sort of currency that can be traded. It takes on various forms (dollars/pounds/Swiss francs) and can be eventually cashed in to achieve something. However, just like money, once spent, it does not vanish. It simply moves on a new chapter in its life and may be reused indefinitely.To illustrate the point, let’s follow a ‘unit of energy’ through a visit to planet Earth to see what I mean. The [number] shows every time it changes currency (see the key below).The energy in our story starts off tied up in hydrogen atoms in the sun [1]. Suddenly, due to the immense pressure and heat, the nuclei of several atoms react to form a brand new helium atom, and a burst of radiation[2] is released. The radiation smashes into other nearby atoms heating them up so hot [4] that they glow, sending light [2] off into space. Several minutes pass in silence before the light bursts through the atmosphere and plunges down to the rainforest hitting a leaf. In the leaf the burst of power smashes a molecule of carbon dioxide and helps free the carbon to make food for the plant [3]. The plant may be eaten (giving food ‘Calories’), or may fall to the ground and settle and age for millions of years turning perhaps to coal. That coal may be dug up and burned to give heat [4] in a power station, boiling water to supply compressed steam [5] that may drive a turbine [6] which may be used to generate electricity [7] which we may then use in our homes to heat/light/move/cook or perhaps to recharge our mobile phone [3]. That energy will then be used to transmit microwaves when you make a call [2] which will mostly dissipate into the environment heating it (very) slightly [4]. Eventually the warmed earth radiates [2] this excess of heat off into the void where perhaps it will have another life…Energy currencies:[1] Matter is energy, according the Einstein, and the quantity relates to mass according to E=mc^2 (c is a constant equal to the speed of light).[2] Radiation (like sunlight) is a flow of energy, and energy content relates the frequency according to E=hf (h is the Planck constant).[3] Chemical energy – the most complex energy, a mixture of different tensions in nuclear and electromagnetic force fields.[4] Thermal (heat) energy- this is really just a sneaky form of kinetic energy [6 below] – small particles moving and vibrating fast are sensed by us as heat.[5] Compression (or tension) energy – while compressed air is again a sneaky form of kinetic energy[6], a compressed spring is different – it’s energy is more like chemical energy and is stored by creating tension in the force fields present in nature (gravity, electromagnetism and nuclear forces).

[6] Kinetic energy – is energy by virtue of movement (like a speeding bullet or unstoppable train)[7] Electrical energy – this energy, like a compressed spring, is stored as stress in force fields, in this case electromagnetic force-fields.This short story is testament to an enormous quantity of learning by our species, but there are some clear exclusions to be read into the story: Energy fields (auras) or the energy lines in the body that conduct the “chi” (or life force) of Asian medical tradition
Energy lines on the Earth (aka Ley lines)
Negative or positive energy (as in positive or negative “vibes”)These energy currencies relate to theories and beliefs that science has been unable to verify and thus they have no known “exchange rate”. Asking how many light bulbs can you power with your Chi is thus a nonsensical question, whereas it would not be for any scientifically supported form of energy. And since energy flows account for all actions in the universe, not being exchangeable would be rather limiting.Where exactly is Energy kept?This may sound like s strange question, we know Energy is kept in batteries, petrol tanks and chocolate chip cookies. But the question is, where exactly is it stored in those things?Energy is stored in several ways:as movement – any mass moving has energy by virtue of the movement, which is called Kinetic Energy
as matter – Einstein figured out that matter is just a form of energy, and the exchange rate is amazing – 1g = 90,000,000,000,000,000 joules (from E=mc^2)
as tension in force fieldsThat last one sounds a bit cryptic, but actually most of the energy we use is in this form – petrol, food, batteries and even a raised hammer all store energy in what are essentially compressed (or stretched springs).What is a force field? Why on earth did I have to bring that up?All of space (even the interstellar vacuum) is permeated by force fields. The one we all know best is gravity – we know that if we lift a weight, we have to exert effort and that effort is then stored in that weight and can be recovered later by dropping it on your foot.Gravity is only one of several force fields known to science. Magnetic fields are very similar – it takes energy to pull a magnet off the fridge, and so it is actually an energy store when kept away from the fridge.The next force field is that created by electric charge (the electric field). For many years this was though to be a field all on its own but a chap called James Clerk Maxwell realised that electric fields and magnetic fields are in some senses two sides of the same coin, so physicists now talk of ‘electromagnetic’ fields. It turns out that electric energy (such as that stored in a capacitor) consists of tensions in this field, much like a raised weight is a tension in a gravity field. Perhaps surprisingly, light (as well as radio waves, microwaves and x-rays) are also energy stored in fluctuations of an energy field.Much chemical energy is also stored in electric fields – for example, most atoms consist of positively charged nuclei and negatively charged electrons, and the further apart they are kept, the more energy they hold, just liked raised weights. As an electron is allowed to get closer to the nucleus, energy is released (generally as radiation, such as light – thus hot things glow).The least well known force field is the strong ‘nuclear’ force. This is the forces that holds the subatomic particles (protons) together in the nucleus of atoms. Since the protons are all positively charged, they should want to repel each other, but something is keeping them at bay, and so physicists have inferred this force field must exist. It turns out their theory holds water, because if you can drag these protons a little bit apart, they will suddenly fly off with gusto. The strong nuclear force turns out to be bloody strong, but only works over a tiny distance. It rarely affects us as we rarely store energy with this energy field.Now we understand force fields we can look at how molecules (petrol, oxygen, chocolate) store energy. All molecules are made of atoms connected to one other via various ‘bonds’ and these bonds are like springs. Different types of molecules have different amount of tension in these bonds – it turns out coal molecules, created millions of years ago with energy from the sun, are crammed full of tense bonds that are dying to re-arrange to more relaxed configurations, which is exactly what happens when we apply oxygen and the little heat to start the reaction.The complexity of the tensions in molecules are perhaps the most amazing in nature, as it is their re-arrangements that fuel life as we know it.What exactly is Heat then?You may have noticed that I did not include heat as a form of energy store above. But surely hot things are an energy store?Yes, they are, but heat is actually just a sort of illusion. We use heat as a catch all term to describe the kinetic energy of the molecules and atoms. If you have a bottle of air, the temperature of the air is a direct consequence of the average speed of the molecules of gas jetting around bashing into one another.As you heat the air, you are actually just increasing the speed of particles. If you compress the air, you may not increase their speed, but you will have more particles in the same volume, which also ‘feels’ hotter.Solids are a little different – the atoms and molecules in solids do not have the freedom to fly around, so instead, they vibrate. It is like each molecule is constrained by elastic bands pulling in all directions. If the molecule is still, it is cold, but if it is bouncing around like a pinball, then it has kinetic energy, and feels hotter.You can see from this viewpoint, that to talk of the temperature of an atom, or of a vacuum, is meaningless, because temperature is a macroscopic property of matter. On the other hand, you could technically argue that a flying bullet is red hot because it has so much kinetic energy…Is Energy Reusable?We as a species, have learned how to tap into flows of energy to get them to do our bidding. So big question: Will we use it all up?Scientists have found that energy is pretty much indestructible – it is never “used-up”, it merely flows from one form into another. The problem is thus not that we will run out, but that we might foolishly convert it all into some unusable form.Electricity is an example of really useful energy – we have machines that convert electricity into almost anything, whereas heat is only useful if you are cold, and light is only useful if you are in the dark.Engineers also talk about the quality (or grade) of energy. An engineer would always prefer 1 litre of water 70 degrees warmer than room temperature, than 70 litres of water 1 degree warmer, even though these contain roughly the same embodied energy. You can use the hot water to boil an egg, or make tea, or you could mix it with 69 litres of room temperature water to heat it all by 1 degree. It is more flexible.Unfortunately, most of the machines we use, turn good energy (electricity, petrol, light) into bad energy (usually “low grade heat”).Why is low grade heat so bad? It turns out we have no decent machine to convert low grade heat into other forms of energy. In fact we cannot technically convert any forms of heat into energy unless we have something cold to hand which we are also willing to warm up; our machines can thus only extract energy by using hot an cold things together. A steam engine relies just as much on the environment that cools and condenses water vapour as it does on the coal its belly. Power stations rely on their cooling towers as much as their furnaces. It turns out that all our heat machines are stuck in this trap.

So, in summary, heat itself is not useful – it is temperature differences that we know how to harness, and the bigger the better.This picture of energy lets us think differently about how we interact with energy. We have learned a few key facts:Energy is not destroyed, and cannot be totally used up – this should give us hope
Energy is harnessed to do our dirty work, but tends to end up stuck in some ‘hard to use’ formSo all we need to do to save ourselves is:Re-use the same energy over and over
by finding some way to extract energy from low grade heatAlas, this is a harder nut to crack than fission power, so I am not holding my breath. It turns out that there is another annoying universal law (the Second Law of Thermodynamics) that says that every time energy flows, it will somehow become less useful, like water running downhill. This is because energy can only flow one way: from something hot to something cold – thus once something hot and something cold meet and the temperature evens out, you have forever lost the useful energy you had.It is as if we had a mountain range and were using avalanches to drive our engines. Not only will our mountains get shorter over time but our valleys will fill up too, and soon we will live on a flat plane and our engines will be silent.The Big PictureSo the useful energy in the universe is being used up. Should we worry?Yes and no.Yes, you should worry because locally we are running out of easy sources of energy and will now have to start using sustainable ones. If we do not ramp up fast enough we will have catastrophic shortages.No, should should no worry that we will run out, because there are sustainable sources – the sun pumps out so much more than we use, it is virtually limitless.Oh, and yes again – because burning everything is messing up the chemistry of the atmosphere, which is also likely to cause catastrophe. Good news is that the solution to this is the same – most renewable energy sources do not have this unhappy side effect.Oh, and in the really long term, yes we should worry again. All the energy in the universe will eventually convert to heat, and the heat will probably spread evenly throughout the universe, and even though all the energy will still be present and accounted for, it would be impossible to use and the universe would basically stop. Pretty dismal, but this is what many physicists believe: we all exist in the eddy currents of heat flows as the universe gradually heads for a luke-warm, and dead, equilibrium.=============If you liked this article, you might like my series on efficient motoring.

Consumer Credit Services

May 19, 2017

It isn’t surprising that consumer credit services are a booming business today. The credit card industry along with a strong economy for a number of years made overuse of unsecured credit all to enticing form most people. With an economic downturn now full-blown, most are reeling under massive financial debt. Consumer credit services are capitalizing on people’s need to get out of debt.Consumer credit services can help to facilitate the process of eliminating debt in a number of ways. For the person, who is still in control of his or her finances, there are services that help in future planning and budgeting, and are just educational in general. Beyond that, and for the people who are beginning to lose control, there is credit counseling along with debt consolidation. These consumer credit services work very well for the consumer who has yet to start missing payments or has fallen somewhat behind. Debt consolidation without the necessity of a loan works very well for those with smaller debt, but who are behind. For those with assets like a home or other property, they may find it necessary to obtain a secured loan using that property as collateral. While it is one way to pay off one set of debts, it certainly doesn’t get rid of debt completely.

Other options in consumer credit services such as debt settlement, debt management, and bankruptcy are more drastic measures, but each does work. Bankruptcy, while claiming to be a fresh start with all bills erased, no longer works that way. The consumer can often end up losing assets and still paying off some creditors. Both debt settlement and debt management work without the necessity of loans or loss of property. By working with a consumer credit service known as a debt resolution company, professional negotiators work with the consumer’s creditors and the principles are reduced. At times, this can be as much as 50% off the original balance. The consumer pays monthly into an insured account. Money from the account is used to pay off creditors. With even the most sensible monthly plan, a consumer can be free of debt in 12 to 48 months at the most.

Consumer credit services are found everywhere these days, and the consumer has to be aware that many of them are not what they seem. Checking credentials, certifications and references is paramount to working with one that will have a good and complete program.

The Difference Between SEO and SEM

April 30, 2017

SEO is an acronym for Search Engine Optimization. This is how a website purposefully designs it content, including their titles, content and meta tags, for the sole purpose of getting the attention of search engines like Google, Yahoo and the lesser known Bing. What SEO wants to achieve is an organic or natural flow of traffic to their websites that is not bought or paid for like we do when we pay for advertising. A search engine result is free.SEM is an acronym for Search Engine Marketing. It is a concept often associated with SEO, sometimes even confused with SEO. They have some goals in purpose but are very different in technique. SEM has come about because large search engine websites like Google have offered fees to show case ads on the top of their page listing. These are pay per click or PPC ad campaigns. SEM is closer to traditional advertising in that you pay for the direct exposure you are receiving. SEM has made it possible to be a website with high visitor content just because they pay more to be advertised and promoted by Google. Both SEM and SEO are sets of strategies to bring in visitors. Except you pay up front for SEM, it is a direct advertising strategy. While with SEO, you look for indirect ways to get noticed.Optimizing a website for search engines, will mean evaluating particular keywords and keyword phrases the internet users may type into search engines to look for service and products that an ecommerce based business may offer. The grit of SEO is editing website content with keywords. Including keywords and keyword phrases in tags and meta tags. Even links and HTML is edited to suit SEO. HTML and links are worked out in a way to get the website user to move a certain way within your website. Ideally, the website visitor is presented with links around the website, going from page to page to read information they are interested in. This design makes it so the website user does not leave the website immediately.

SEO works best when the SEO professional does not try to find underhanded ways to cheat the search engine system. Such tricks will get a website flagged by the search engines, since they use practices that are discouraged. Even if the website does rise to prominence for a moment on the Google rankings, reading content over peppered with keywords will get the website pulled down even faster. SEO tricks like link farming, keyword abuse and page cloaking get picked up by the search engine algorithms and they push the website to the top of search results. You can trick the machine. But after people start reading your content, it becomes apparent that the website is a fraud.The best way to climb to the top is by following ethical SEO guidelines. Write good content with proper technical guidelines. You can learn to do this yourself. You can also hire a writing service who will do this for your. But if you want to really get out there the fast way, consider SEM. A Pay Per Click ad campaign means that you only get charged for clicks on the link to your website. You know exactly what you are getting for your money.Search Engine Marketing is guaranteed promotion for any business. Pay per click is one for few guaranteed strategies for success in attract the coveted targeted consumer. But you can and you should use both SEO and SEM at the same time. Both are invaluable resources. Here is a list of benefits that will be available to your website with the help of SEM:1. When somebody types in a query into a search engine, the search engine will present them only ads and banners in the same industry or interest of the query.
2. Pay Per Click is great for corporate awareness, aside from online sales. It increases the value of the brand name.
3. Pay per clicks and sponsored links are transparent. You know what your money is paying for, as presented by the numbers.
4. Keeping well written and informative landing pages will lead readers to explore your website and see what else is available.
5. You only pay for the traffic volume that the pay per click ad has brought in. And this traffic is select, meaning they have interest in your service or product.

In a way SEO and SEM are the same concepts wrapped in different presentations. SEO will last longer because it is content based. You do not pay for it every time it shows up in search engine results. If the competition is low, your website will be highly ranked for a very long time. SEM operates with the same traffic volume objective buy in a different way using paid Ads, banners, sponsors and Pay per click services. It brings in traffic too over a shorter period of time, unless you can keep payments indefinite. But the websites that gain the most use both SEO and SEM aggressively.1. They get more traffic that increases exponentially if they keep up content.
2. They keep up with rankings over a long period of time.
3. They keep it innovative and fresh, so loyal visitors have something new to see and come back to visit again.
4. Content keeps up with relevance to search engine guidelines.
5. They cultivate repeat visitors who also become repeat customers.Being SEO ready means your website is easy to access, user friendly, and easy to navigate for the average user. There are gimmicks, games, polls, promos to entertain the internet user and keep them coming back. This attracts visitors and other websites to link to your own website.

Equestrian Style in Your Home

April 25, 2017

Your love for horses doesn’t need stop at the barn. Horse people enjoy having decorative horse elements in the home. Whether you are a lifelong equestrian, an admirer of horse sport, or someone who loves the equestrian look, having equestrian style in your home adds character and tradition. How you bring equestrian elements together can make the difference in telling a story or having your items overlooked.Equestrian style was popularized when Ralph Lauren hit the fashion world by storm. He made both nautical and equestrian styles livable for mainstream people. It became possible and affordable to have the sporting lifestyle look. And while many people took up stirrup pants and hacking jackets, decorating with equestrian style has been around for hundreds of years. Look no further than the English countryside. Whether you have acquired equestrian pieces from the barn, or you are just starting out, giving your home or space an equestrian estate feel is not difficult. As with any design, the key is to start with a plan that includes well-thought-out furniture placement and a good color scheme. Traditional furniture works best when designing an equestrian style space. Dark, substantial wood furniture with good quality upholstery or leather gives mind to the English countryside, where most equestrian trends originated. Steeped in custom and tradition, equestrian elements have changed little through the centuries. Garner ideas from books and magazines, or search the internet for ideas.

Once furniture placement has been established, anchor the space with a good rug. Vintage rugs protected fine wood floors from muddy hunting boots, numerous hounds, and country parties. These rugs were handmade and vegetable dyed. Today’s production rugs lack some of the character of the older rugs, but can still lend the style and are always a smart choice to bring a space together.Equestrians love art, and art that includes the horse is always a favorite. Some equestrian artists have stood out through the years, with George Stubbs being immensely popular during England’s sporting days. His works are traditional, beautiful, and have color schemes that are easy with which to work. Reproductions of his paintings are available on the internet.No equestrian space would be complete without horse tack, the equipment leather goods used in riding and training horses. Whether you choose stainless steel stirrups or bits, old horseshoes, or leather strap goods, these pieces strategically placed are key elements to bring your space to life. A favorite of ours is a silver mint julep cup used to hold pens or flowers. Stirrups make good bookends. Harness brasses can be framed or mounted cleverly over light plates. Snaffle bits can serve as window panel tie backs. Equestrian books are another design element that is readily available and brings authenticity to your space. These books are available as novels, training books, or picture books.

To add softness and comfort to your space, yet still maintain style, consider adding needlepoint or horse themed equestrian pillows. Throw pillows come in many styles and colors. Look for traditional fabrics and authentic embellishments like fox hunt buttons, harness brasses, or other pieces of horse equipment.Bringing equestrian style to your home or space adds character. Horses have had a close relationship with man for most of human history. Only since the invention of the automobile have we been so distanced from him. Bring equestrian style to your home by using these design ideas, and bring horses into your decor.

Online Gambling Debts – How to Deal With the Causes and Effects of Online Gambling Debts

April 30, 2017

One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. The real danger comes when you combine this factor with the fact that it is so easy to feel detached from the reality of money spent online. Gradually racking up a debt online does not feel the same as handing over hard earned cash from our wallet, so it is that much easier to lose track of how your online spending is mounting up.For these reasons, debt problems from internet gambling are on the increase. In this article I hope to clarify some of the legal issues around online gambling, as well as providing some advice on dealing with the underlying problem and the debts that result from it.Legal Issues Around Gambling DebtsWhen we talk about debt from online gambling it is important to be clear about the nature of the debt, because who the money is owed to does make a difference. People are often unsure about the legality of debts from online gambling. In the UK you can gamble legally on credit and incur a debt, but this debt is not then enforceable through the law.

However, there is an important point to make here, which is that this only applies when you are using credit extended by the company offering the gambling (casino, bookie, etc). If you use a credit card company to pay for internet gambling, that is a legally enforceable debt the same as it would be in any other circumstance, because you have borrowed money from the credit card company, not the casino. It is now against the law in the US to use a credit card to pay for online gambling.You will find that many credit cards will regard a payment to an internet gambling website as a cash advance. This is then clearly borrowing money from the card company and the debt you incur can be pursued through legal action. If you do use a credit card to pay for online gambling this way, you should be aware that cash advances on credit cards are almost always charged at a much higher rate of interest than normal credit for purchases.How To Deal With Debts Caused By GamblingIn dealing with gambling debts, there are two separate issues to tackle. One is the debt itself, and the other is the habit of gambling that led to the debt. Even if the debt is dealt with, it is likely to build up again if the root cause is not tackled too. Let us first consider the problem of paying off the debt.The principles for tackling debt are nearly always the same, irrespective of the causes of the debt. To permanently deal with debt you should not be considering borrowing more money or paying anyone to deal with your debt for you. These courses of action are likely to deepen your debt in the long run.With a little advice, you can deal with your debts yourself, by contacting your creditors and agreeing terms for repayment that you can afford. There is clearly more to it than that, but it is beyond the scope of this particular article. The process is straightforward and allows you to take back control of your finances.Factors Leading To Internet Gambling DebtsIt may help to have an understanding of why some people can become addicted to online gambling. The following are often contributory factors:Gambling can be thrilling, leading to an adrenalin rush and feelings that we want to recreate time and again.Many addictive gamblers think that they can win money and that this will solve all their other problems. It actually just leads to more problems by creating debt, which can then make it seem even more important to win the money, creating a vicious circle.Addiction to gambling can actually be a mental disorder, which can lead to a compulsive need to gamble.

Being addicted to online gambling is often associated with other personal difficulties, including depression and stress.Online Gambling Debts – The Warning Signs You may have a problem if you can answer yes to any of the following questions:When you are not gambling, do you think about gambling and how you are going to get back to it?Have you ever missed work because of online gambling?Do you feel the need to gamble again after winning or losing?Is the length of time you spend on gambling getting longer and have you ever spent longer online than you thought you had?Are you secretive about your gambling with family or friends and do you dislike other people bringing it up?Practical Steps To Tackle Online Gambling Addiction If you think you may have a problem with online gambling, here are a few simple steps you can take to begin to reduce or stop the habit:Be open with friends and family and seek help with the problem.Cancel any accounts you have with websites for online gambling.Consider using software that blocks your access to online gambling websites.Keep a proper, ongoing record of everything you spend – take steps to bring home the fact that the money you are using is real.

Credit Collection Laws And You

May 21, 2017

The Fair Debt Collection Practices Act and the Fair Credit Act has helped thousands of debtors free themselves from collection agents and junk debt buyers who act like complete Neanderthals when collecting debts. Junk debt buyers, collection agencies and sometimes, even original creditors are known mostly for their unforgiving, intimidating and often illegal collection tactics to extract money from debtors. Since laws have been enforced, consumer rights are protected against mean-spirited credit collectors, which is why it is important to educate yourself with credit collection laws to minimize the chances of being harassed by creditors or collection agencies.

One of the most common ways debt collectors obtain information from debtors is asking for their bank or credit card information. In the past, debtors have no other choice but to divulge such sensitive information from creditors or collection agencies. However, things have changed, laws are enacted and junk debt collectors and collection agencies can no longer make a person give his or her credit card and bank information.Once contacted by a debt collector, debtors are given 30 days to dispute the debt and make the debt collector prove the ownership of the debt in dispute. The bottom line is, you don’t need to pay anything just because someone claims you owe them money. If they can’t produce proof that you owe them money, they can’t collect the money nor can they file a credit card lawsuit.Apart from proving the debt’s ownership, collectors can no longer threaten, use profanity, vulgarities or use demeaning language to scare debtors into paying the debt. They can no longer humiliate you or talk to third parties about your financial problems. They can no longer discuss confidential debt information to other people. They can no longer threaten to garnish your wages, put lien on your properties when they haven’t gained legal authority to do so. They can only obtain a portion of your paycheck if they win the credit card lawsuit they filed otherwise, no such threats are allowed under the FDCPA.

If debt collectors continuously call you at the dead of the night or early in the morning, you can send them a Cease and Desist letter, information them that you do not wish to be contacted via phone calls and will respond only in writing. In response, the debt collector can only notify you about their next step, usually filing a credit card lawsuit, in writing. If they refuse to comply, they are violating the mandates of collection laws and will be brought to justice.

How To Make Sure The Toys You Buy Are Safe

May 15, 2017

There are some very strict safety regulations in the United States that attempt to insure the safety of toys that are sold. But even with the strict regulations there are occasions from time to time where unsafe toys make it into the market.As a whole the regulations that are in place to ensure toy safety have been very successful. When compared to the number of toys that are sold on the market each year there have been very few incidents which were caused by unsafe or defective toys. Most accidents are caused by improper usage or common accident such as tripping on them.In the few cases where defective or unsafe toys have actually made it into the market they were recalled fairly quickly. But this is no reason for parents not let their guard down when buying toys.Check The Label: Safety Labels Are A MustThe first thing that should be checked when buying a toy is whether or not is has the appropriate safety labels. The primary label in the United States would be that of the Consumer Product Safety Commission which signifies that the toy meets the minimum safety standards.The next important labels to look for when shopping for toys would be age labels. You should always follow age guidelines, as they are an essential part of toy safety.Most toys have age labels, even if they are not legally required. Any toy that is not suitable for children under 36 months must have a visible label stating so.

Though, in general most toys give guidance as to what age group they are designed for. These guidelines let you know what age group will benefit the most from the toy, in terms of development, fun, and understanding. Here is a brief guide of different kinds of toys and what age group they are intended for:Under three yearsFor this age group the greatest threat that toys pose is a choking hazard. Most everything a baby or toddler gets their hands on, ends up in their mouth. For this reason, very small toys or toys with small parts are especially unsuitable. Be sure to keep marbles and small balls or buttons out of their reach; be careful with inflatable toys and balloons; and avoid toys with pointy or sharp edges.Three to five yearsChildren of this age are full of discovery and are capable of playing with more sophisticated toys. However, you should still be cautious as certain toys could still pose a risk to them. Avoid toys made with thin plastic that might break and cause injury and still watch for small parts that they may still be tempted to put in their mouth.Six to twelve yearsBy this age children will be able to safely play with almost any toy they are given. However, always read hazard warnings and instruction pamphlets for maintenance guides. For example, if you buy a trampoline you will need to carry out maintenance on it on a regular basis. If you buy a bike or skateboard for your child, you should also buy appropriate protective equipment. Always make sure you get the right size ride on toy for your child, so he/she can handle and enjoy what he/she is given.Things can get a little complicated when you have children of varying ages. When you have lots of different toys that are suitable for varying ages you have to stay vigilant. For starters, you should teach older children to keep their toys out of reach of younger children, especially when they contain small parts and/or are breakable. It is also best if you do not put different age appropriate toys into one toy bin. Have a separate box for each child and make sure they do not swap out toys. To help keep organized, you should follow and separate based on the age labels on the toys.In general it is a good idea to be organized and keep toys in order. Having toys lying around the house is a common cause of accidents. If you have children of varying ages, this can be dangerous and allow smaller children to get to toys not intended for their age group. Keep in mind that children are intended to play with the toys, but all maintenance, such as changing of batteries should be carried out by an adult.

Toy safety labels offer an important safeguard against dangerous toys reaching our children, but it is just as important to use your own common sense. Before purchasing a toy, examine it thoroughly yourself to make sure that it is sturdy and well constructed. Check for any sharp edges or pointy corners, especially when buying toys for younger children. For example, if you are buying a stuffed animal make sure all stitching is secure and small items like the eyes or nose will not come off easily.If your child has an accident with a toy or you suspect a toy is potentially harmful, you should take immediate action. The first step is to take the toy out of the reach of all children. Once the child is cared for and the immediate danger has passed, you should report the toy to the appropriate authorities. You will need to keep the toy safe for examination and you should also try to provide details of where and when you bought the toy. It is important to regularly check online for toy recalls. This way you can remove a potentially dangerous toy before any incident occurs.

Evolving Healthcare Trends

May 12, 2017

The model trends in the healthcare system have been changing over the period of time. The old trend gave importance to the individual patients and the emphasis was on treating illness. The goal of the hospitals was to do inpatient admissions, fill up the beds and more emphasis was given to acute inpatient care. The role of managers in the old paradigm was to run the organization and coordinate services. In the old system, all providers were essentially the same. The hospitals, physicians and health plans were separate and not integrated.The newer trends that evolved gave importance to the population as a whole. It not only treated illness, but emphasized on promoting the wellness of the people. The goals of the healthcare system after being transformed over the years is to provide care at all levels which is continued. The role of managers in the new paradigm is more broad. They see the market and help in quality and continued improvement. They not only run the organization, but also go beyond the organizational boundaries. In the evolving system, the providers are differentiated according to their ability. The hospitals, physicians and health plans have formed an integrated delivery system.One of the current trend in the healthcare delivery model is that continued care is emphasized. The key professionals are not only treating patients for their illness, but they are promoting and managing quality of health. For example, a patient with high cholesterol visits a doctor. He is not only given one-on-one medical treatment, but he is also offered to attend a group session where information is provided on how lifestyle and behavioral change can help. The patients learn from the clinicians and also from each other. Another current trend is to take care of the health of the defined population and not only individual patients. All the health needs of the population as a whole are identified and served. It is emphasized that the community uses the health and social services provided. Healthcare has become more population-based. Another trend that has evolved is that the hospitals, physicians and health plans have got connected and have formed an integrated delivery system. More investments are being made with a goal of providing services to the customers and retaining them.There is a beneficial impact in the transformation of healthcare towards emphasizing continued health. The way healthcare has been viewed in the past has been changing. The shifting of care from treating acute illnesses to providing continued care is resulting in enhancement of the health of the people. The only appropriate and feasible model is to provide a continuum of care with the emphasis firmly on the family and community. The health of the population and community is considered as a whole. This is advantageous as it creates value in the healthcare delivery system. The healthcare providers work with the community as a whole and consider to improve the health of the general population. Even though this requires new kinds of ways of organizing and managing healthcare services, it helps in understanding the health needs of the target population. By studying their needs, the right health and social services could be provided to them. Examples of promoting wellness of the whole community are organizing health campaigns and providing preventive education to the people in general. Another example is providing awareness about flu vaccines and encouraging people to get the vaccination.

Integrating the healthcare delivery system has led to certain advantages to the patients. For example, they can be offered alternative sites of care depending on their convenience. It helps in meeting the needs of the customers and their preferences which is taken into account. The number of providers are expanded and the patients get to have a choice. The relationship between providers and health plans are organized in the current trend and this ensures that the right care is provided in a convenient way to the customers.There are defined budgets and expenditure targets for the populations which implies that there is a need to be efficient and productive. The formation of strategic alliances, networks, systems and physician groups can also add value. There are capitated payments and budgets allotted to the healthcare organizations. These are used to provide care to the defined population. The organization might like to improve on the payments and budgets as the expenditures of the companies increase. This results in the management to make decisions like forming strategic alliances with other organizations and increase the total resources. The growth of such networks will help in providing better care to the customers. Financial resources greatly influence the efficiency and productivity of the organization.The aging population is influencing the healthcare delivery. There is increased demand for primary care of people over 65 years and for chronic care of people over 75. The ethnic and cultural diversity is also influencing the healthcare delivery. This provides a challenge in meeting patient expectations on one hand and diverse workforce on the other. Biological and clinical sciences have met with technological advances and have led to new treatment modalities. This has led to open new treatment sites and manage across the organization. External forces change the supply of certain areas of health professionals like physical therapy and some areas of nursing. The management needs to compensate for such shortages and they need to develop different teams of caregivers at different work sites. Changes in education of health professionals implies that the management be more creative in offering healthcare services. With an increase in diseases like AIDS and morbidity from drugs and violence, there is more and more need to work with community agencies, form social support systems and there is a need for more chronic care management. Advances in information technology is another area where there is a need to train the healthcare employees in new advances. They also need to manage issues of confidentiality and rapid information transfer. Increasing expansion of world economy has led to more competitive management of strategic alliances, care of patients across the nations and of different cultures.Current environmental trends impact the healthcare delivery model. Organization’s success depends on its external and internal environment. The complex environments made up of uncertainties and heterogeneity of components leads to different organizational designs. The current environmental trends influence managerial and organizational decision making. The unique challenges facing the healthcare delivery organizations should be analyzed in order to develop and implement new and effective operational processes and strategies. As an impact of current environmental trends, the healthcare delivery system needs to improve individual, team, and organizational accountability and performance. The impact of advances in medical knowledge and information technology on the process of healthcare delivery should also be examined, and it should be leveraged to improve quality of care, process and cost controls, and revenue. New strategies would need to be identified and implemented for learning and performance improvement to create a culture that supports accountability, safety, and high-quality care. Innovative models in healthcare delivery would also be required in order to develop and implement strategies that promote organizational success and competitiveness.Due to the current environmental trends, more emphasis is given to the customers and there is more of a patient-focused care. The healthcare delivery model has been shifting to the community based care. There has been an increased modification in care processes. The traditional ways are being challenged and more experiments are being performed to fulfill the demands to improve the quality of care. Due to the shift in the environmental trends in the healthcare delivery model, more emphasis is given to quality improvement. This will help improve the performance levels of key processes in the organization. The performance levels are being measured, the defects are eliminated and new features are being added to meet the customer’s need efficiently.There is a new emerging contemporary trend in the U.S. healthcare system. Presently, the management research and assessment have been offered increased recognition. The emerging trend seen is that this is slowly forming an integral part of managerial and organizational effectiveness. With the emerging efforts in information management, it is leading towards clinical and financial networking. The trend seen among the physicians and nurses is that they are being increasingly involved in managerial activities. The managerial trends are also changing with respect to role performance and changing values. The managers role is getting more and more recognized in managing finance and human resources. Management training, lifelong and distance learning is being offered in preparing future managers.The healthcare executives and managers will be faced with the major responsibility and challenge in the years ahead. They will be working with other healthcare providers and will be creating a competitive future for their organizations. They will not only be managing organizations but also a network of markets, services and joint ventures. Formation of more and more strategic alliances and partnerships will lead the management to manage across boundaries. The management will change from managing a department to managing the continuum of care. The management will be following a community-based approach. Trend in management is also shifting from just coordinating services to providing improvements in quality.As the demands in healthcare are increasing, the management is responsible for forming performance standards. The management is also challenged to maximize the productivity and quality to serve the health needs of the community. The management is looking after the demands of the external environment as well as attending to the performance of the internal environment. The management is responsible for the performance of the organization.Healthcare organization leadership will be responding to new trends and competitive forces. It will respond to continuum of care, overall health status of the population and more complex organizational structures. These emerging trends in the healthcare system will effect the organization’s leadership. The future managers would need leadership skills and vision to integrate the organizations and help in providing the best care. The managers will have to be committed to leadership and work on giving their organizations the best place and help their organizations adapt to the changing circumstances. More value will be given to leaders who will be able to lead the change process. As changes are inevitable for the betterment of the organization, the leaders should be able to identify how the change is to be received and how it is to be communicated at all levels of the organization without damaging the implementation process. The leaders might have to deal with increased pressures due to organizational complexity.

The leader in the organization provides strategic direction to the organization, manages diverse stakeholders, becomes mentors for management, is willing to take risks, helps the organization interact with the external environment and attends to the internal needs as well. Where required the leader will involve physicians in governance process and align physician and organizational interests. There will be a need for formation of learning organizations. Transformational leadership will create the required vision for the organization. Leaders will have a greater role complexity and they themselves will have to adjust rapidly to new situations. The healthcare organization leadership will have to live up to the values of the organization and will help in fulfilling the mission of the organization.Individuals and groups within the healthcare organizations require more and more competencies. An enhanced lifelong learning is required due to the fast, changing environment. The individuals and groups within the healthcare organizations will be benefitted as there will be rapidly developing medical technologies which will result in increased services. More sophisticated health services will be provided to the consumers. The range and quality of services provided will be regulated for the benefit of people requiring home care, long term care and ambulatory care. The anticipated future development will also result in the increased competition among the health services organization. The individuals and groups will be involved more and more with the community for issues like drug abuse, teenage pregnancy and violence.Individuals and groups will be faced with increased strategic planning and management in the healthcare organizations as there will be ever increasing involvement by the trustees and physicians. As the future environment in the organizations will be more complex, the individuals and groups in the healthcare organizations might feel more pressurized. They will need to serve the changing demands of the community as the population of elderly patients will increase. These individuals will require more professional training, increased levels of education and should be taking part in continuing education programs.Due to the anticipated future development in the healthcare organizations, those individuals and groups will be valued, who are adaptable, committed, are able to add value and embrace change. These individuals will be required to experiment more and help in redefining the mission and goals of the healthcare organizations.

Healthy Competition In Team Sports Teaches Life Skills

May 1, 2017

The word “competition” brings to mind images of athletes or sports teams striving to do their best and working hard to accomplish significant goals. For most of us, achieving goals and enjoying life is at least partially dependent on working together and getting along with others. Many of these essential relational skills are learned in the developing years as children move from childhood through adolescence and into adulthood. Given the importance of these key life skills, our society would benefit greatly by ensuring that kids are provided with ample opportunities for working together and getting along with people. Such relational skills can be effectively taught (and caught) in the context of an organized sports program.It seems that kids are born with an innate sense of competition and a desire to win. Our society, schools, and sports programs all cater to this inclination to compete with various games and challenges. Such challenges have been a part of human society from the beginning, and this competition develops a number of important skills for use throughout life.As an example, the desire to be the champion and top dog often pushes people further than they would choose to go on their own. This dogged determination to win is what drives Olympic athletes, CEOs, and many leaders to attain to lofty positions. However, the downside of unchecked competition is that negative traits including roughness, a domineering attitude, and unsportsmanlike conduct can develop and can take over a person. Such negative traits can be very harmful, and if not kept in check, can lead to damaged and broken relationships.

This danger for unguided winners to develop poor attitudes is precisely the reason we should encourage children to get involved in team sports programs and other organizations where healthy competition is encouraged and promoted. It is often within these organizations that essential life skills are taught and where the development of proper attitudes can be nurtured.By participating in organized team sports, kids can begin to truly experience the thrill of winning and the pain and discouragement of defeat. By experiencing these emotions in the context of their sports community, children can begin to understand the roots of their emotions and how their emotions can affect others. In addition, parents and coaches can observe how kids react and can provide encouragement and guidance as needed when and if inappropriate behavior and reactions are observed.Within the context of an organized sports program, a skilled coach can help and encourage the winners to revel in the victory, and yet do so in a way that does not put down the losers. In fact, if the kids on the winning team can learn how to reach out and encourage kids on the losing team, they have learned an extremely valuable lesson that will serve them well throughout their lives. In the same way, the losers must learn the essential skill of losing well and not withdrawing in self-pity or lashing out at the winners, their teammates, or their coach. Winning and losing are a continual part of life, and developing key skills to cope with victory and loss will go a long way in helping young people cope effectively with the ups and downs of life.In developing life skills, there is a significant difference between team sports such as basketball, baseball, and soccer and individual sports such as tennis and racquetball. Individual sports typically focus on developing the competitive side of an individual, but organized sports programs can teach so much more. On a team, the children learn to work together to accomplish things that they could never do on their own. In addition, the coach can provide encouragement and direction, and the kids themselves can encourage each other when they are down. On a team, kids can also develop the confidence to try new things that they might otherwise not try. Such an encouraging and supportive environment is rarely found in an individual sport, but can be commonly found on sports teams. Out of necessity, teams learn to work together to accomplish mutual goals and such skills will help carry them through life and work.

In summary, the competition and cooperation that occurs in organized sports programs can be very healthy and helpful for developing essential life skills. In a well-run program, team sports encourage children to work together, encourage one another, and get along with others. A quality and gifted coach can develop these skills in children, and our children would be well-served into adulthood and our society would benefit by having these skills engrained into our children’s character.

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