Tuesday, March 9, 2010

Clay Modeling as a Hobby

Clay Modeling as a Hobby

Everyone should have a hobby. They offer a constructive way of spending time after the day’s work is over. If you don’t have a hobby yet, you may be losing out on a lot. Hobbies should be something you have fun doing during your free time and at the same time should not exhaust you.

Clay modeling is a great hobby. It doesn’t matter if you have never tried it before or were never particularly good in your school art class. It is something you can do after returning from your office and finishing your chores. Clay modeling can be very relaxing and the best thing about it is that you can show off your models to friends when they drop by! How is that for your ego?!

Though clay modeling is inexpensive it does require a lot of patience and practice to be perfect. If you want to start, you need to assemble a few things you are sure to find in your own house or at the nearest supermarket. Here are the things you will need:

1) Clay (different varieties available, for e.g. polymer and ceramic)
2) A bucket
3) A mug
4) Needles
5) Forks
6) A thin wire
7) A wooden spatula
8) A good knife
9) Water color
10) Paint brushes

There are different ways you can model clay. You can make clay models with delicate features which is a bit difficult if you are just starting out. These kinds of models are supported by wires. You can also make a small stuffed solid clay model which is the easiest to make. A hollow model is one in which the inside is hollow and there is usually an opening at the bottom. Other than these, there are other different types of clay modeling which you will learn as you proceed.

Don’t get disappointed if your first attempt ends up looking like an indistinguishable lump of clay. Be patient and you will definitely get better with time. It takes a lot of hard work but when you master clay modeling you will find it to be more relaxing than anything. There’s something great in looking at clay taking shape in your own hands and transforming into a colorful work of art. So go ahead and take up clay modeling as your hobby. Rest assured, you will love it.
By Priyanka, Author can be contacted at bookworm249@gmail.com

Age of Cell phones- are land phones on their way out?

Age of Cell phones- are land phones on their way out?

For starters, we live in the age of cell phones. Tell me, how many people do you know who doesn’t have a cell phone that is perennially attached to him? I am sure the answer is zero or perhaps one. The sheer popularity of cell phones testifies for the obvious upper hand it has with land phones. But whether land phones are on their way out or not is debatable.

Land phones are necessary in offices because the very fact that they are not mobile makes them dependable. Offices always list their land phone numbers wherever it’s required because anyone calling them can be sure that their call will be answered by someone or the other. Moreover, people with children usually have a land phone at home so as not to have to give a cell phone to the young ones who may not be ready to handle the responsibility.

Initially it may seem that cell phones are much more expensive than traditional land phones. But no one uses a cell phone for just making calls. They use it for text messaging (the most popular application), taking snaps, listening to music, emailing, browsing the internet and social networking. Whew! That’s a lot of extra work for a device with which you can make calls from just about anywhere, talk with more than one person simultaneously and can carry with you wherever you want. And most people do just that! They carry their lives on their cell phones and are deeply attached to it. Honestly, the price of the cell phone maybe more than a land phone, but the anytime-anywhere device gives back a lot more for anyone to complain.

In an era of increasing competition among cell phone companies, prices are constantly falling. There are many low-end phones available at very cheap prices. So buying a cell phone is no big deal these days.

So use a cell phone all you want, but I don’t think land phones will be going out anytime soon. The land phone is a necessity that cannot be easily replaced. And the funny thing is that both the land phone and cell phone are unique in their own way. I don’t think the world can do without either of them.

By Priyanka, Author can be contacted at bookworm249@gmail.com

Related Resources:
Tech Blog

Greece Travel Guide

Greece Travel Guide

A Greece travel expedition can be one of your most rich, beautiful and colourful vacations ever. Though it is a small country, it offers a diverse experience for the discerning traveller. But only if you know where to go and what to see will you be really be able to appreciate its beauty.

When you think about Greece, the first thing that will come to your mind is the rich history it has. Greece has numerous historical monuments, ancient stadiums, old churches and monasteries. While there are over a 300 museums and almost an equal number of historical sites, here are a few of them you cannot afford to miss.

The Acropolis: This is the global face of Greek tourism and is very popular among tourists. Visit it in the early morning or late afternoon.

The Temple of Poseidon: This famous temple is situated at the cliff top. You can also enjoy the view of the beautiful Aegean Sea from here.


Athens' National Archeological Museum: This famous museum has numerous artifacts from ancient times. Beautiful statues and Egyptian artifacts also find place in an exhibit here.

The Island of Santorini: If you have been enamoured by the legend of Lost Atlantis, you cannot not visit this island. This is believed to be the lost island.


Epidaurus Theatre: This site is located on the Peloponnesus Peninsula. Visit it in summer in time for the Epidauras Festival where orchestras and plays are enjoyed by both locals and tourists.

Mycanae Fortress: The Mycanae Fortress has beautiful architecture with carved walls of stone. The gate has two majestic lion statues and tomb shafts. There’s also a snack bar where you can have a snack.


Mykonos Island: If you have become a little tired of the historical sites by now, its time to relax and enjoy the modern side of Greece. The Mykonos Island is very popular among tourists for its numerous restaurants, discos, bars and even a nude beach for the adventurous lot.
Crete Island: Don’t miss this island if you are fond of partying. While you are there go to the Heraklion Archeological Museum for a historical byte.

Apart from visiting tourist-y places, there are many ways you can have a great time in Greece. The various mountains, rivers, lakes, gorges, waterfalls and forests provide the perfect background for rafting, mountain biking, kayaking, bungee jumping, hand gliding and hiking.

Greece has many spas dotting the hot and cold natural springs and a visit to one of them will surely rejuvenate you. Moreover, if you are visiting Greece in summer, you will witness various fun events. There are open-air movie theatres, carnivals, cultural and sport events held during that time. Musical July and Athens Festival are famous all over Europe. The International Thessaloniki Film Festival attracts film lovers from all over the world.

The Greek people have been lovingly refining their cuisine for the last four thousand years. And the effect is for all to see and enjoy! The mild climate nurtures the vegetation and the result is extremely aromatic, natural and fresh food. Oregano, thyme and rosemary grow in the mountains from where the people collect them and use them to prepare the delicious dishes. And the high quality light olive oil adds flavour to almost every dish in Greece.

So as you can see, Greece can be an exhilarating experience. Visit it and enjoy some unforgettable moments with your friends and family.


By Priyanka, Author can be contacted at bookworm249@gmail.com

Delhi- your next vacation

Delhi- your next vacation

If you are wondering about where you can holiday during your next break, Delhi could be the perfect choice. With its world-class facilities, wonderful history and heritage, mind blowing cuisine, Delhi offers the perfect vacation.

Delhi, the capital of India, has many interesting places for tourists to visit. Here are a few you cannot afford to miss:

The Red Fort- This magnificent colossal citadel bears testimony to India’s glorious past. It is a red structure and the nation’s flag is hoisted here every year by the Prime Minister on Independence Day.

Humayun’s Tomb- This beautiful red sandstone structure is the tomb of the great Mughal emperor Humayun. The Mughal architecture with its double dome and high arches will mesmerize you.

Qutub Minar- This is the tallest brick tower in the world and it dates back to the 12th century. Don’t miss a trip to this heritage site if you want to truly experience Delhi’s historical past.

Jantar Mantar- Visit this historic site if you want a dose of India’s scientific culture in the days of yore. This marble structure built in the year of 1710 has devices for weather forecast, calculation of time, studying planetary behaviour and other scientific contraptions.

India Gate- A visit to Delhi would be incomplete without a trip to this famous spot. This is one of the biggest war memorials of India and is a popular hang-out as well.

Jama Masjid- This is the largest mosque of India and was built in the year 1658 by Mughal emperor Shah Jahan. You will definitely enjoy the beautiful carvings on the walls of the five-storey structure which has the capacity to hold 1000 people at a time.

Lotus Temple- This temple is in the shape of a lotus and that is where it got its name. Visitors to this place of worship are expected to maintain absolute silence. The serene and calm of the place will enthrall you. ]

After so much sight-seeing, you are sure to be famished. Tickle your taste buds and see them dance to the tunes of the amazing food Delhi offers! Ditch the safe continental and have your fill of the mouth-watering range of street food as well as Mughlai, Punjabi and North-Indian food that Delhi offers. The cheap and delicious food at Karim’s, Paranthe wali Gali, Bengali Market, Annapoorna, Ghantewala, Sunder Nagar and Greater Kailash will surely awaken the gastronomic in you. Try the chaats, kebabs, rotis, bhelpuri, biriyani and Tandoori chicken. If you are looking for classy exclusive food, head out to the Ashoka Hotel, Hyatt Regency, Hilton Hotel, The Claridges, Maurya Shearaton or the the Regal Hotel.

Delhi is an eclectic mix of sights and sounds. Head out to this city for a truly memorable vacation which you will cherish all your life.

By Priyanka, Author can be contacted at bookworm249@gmail.com

Tuesday, February 23, 2010

Starbucks: a business thesis

Starbucks: a business thesis

So long as Starbucks is concerned, the company is progressing by leaps and bounds. The company has operations in countries ranging from Australia to England. Moreover a website to keep updated with the times was set up by the company in 2000. The aim of the business model followed by Starbucks, the largest coffee retailer in the world, was to achieve a global presence. Making a difference in the lives of people has been one of Starbuck’s main agenda. Starbucks is the largest international coffee retailer, and is far ahead of its competitors. The reason can be attributed to the fact that the company is committed to maintain the same standard of quality and efficiency that it had been following earlier. The company has also recognized the importance of bringing in new technology to the business. New technology has ushered Starbucks into an era of global domination, so long as the coffee industry is concerned.

The goal is slowly but surely seeing the light, if one looks at the results and the statistics displayed by the international retail outlets and chains of Starbucks. The success of the company has also brought in an unexpected opportunity: many companies are now willing to partner with Starbucks in order to position themselves better.

Vision

Vision, is an important part of any global or local business model as the very foundations of the organization is built on vision. The company wants to market itself as the coffee company which delivers the best aroma, taste, and quality. The aim can easily explain why the company uses only the best coffee beans while brewing the coffee. The company also desires that the consumers leave the Starbucks Café, with a smile on their faces. In short the company desires that the consumers be totally satisfied with the coffee, and should come back for more. It wants the consumers to recognize the fine taste and remember the coffee, even after they have drunk it. However one aspect of the company is quite dismal. Starbucks is unable to state exactly which business it is in. They assume that these details would not really make a difference to a renowned brand like Starbucks.
Mission

The uncompromising attitude of the company says it all. The company has pledged not to compromise on the quality, quantity, taste, and aroma. The mission is to be the premier provider of the best coffee throughout the globe. Without a set of principles and a clear goal, none of the success that Starbuck’s enjoys currently could have been possible.

Identifying the Approaches and the Strategy of Starbucks

Every retailer and every store has been given their due share of importance. The management of Starbucks understands the fact that to grow big one needs to start small. Every billboard, advertisement is considered as important for the progress and image of the company. One of the key strategies of Starbucks is to change along with the time, market conditions as well as internal or external factors. The ambience of each store is carefully looked upon and made as per international standards. The objective is to give an amicable atmosphere to the consumer when he comes in to enjoy his coffee. The management of Starbucks also takes care that every store and retail outlet benefits the neighborhood and the community at large, so as to position itself in the minds of consumers. ‘Mystery Shoppers’ or people employed by Starbucks to evaluate the quality of the stores make sure everything is up to the mark and report immediately if there is any problem. To expand into new geographies and to project itself as a ‘glocal’ brand (global and local) is one of the main objectives of management of Starbucks. The company uses several strategies to achieve these means by introducing new products in their stores, expanding international operations as well as enhancing their distribution channel even deeper and further. The company also wants to project the coffee brand as the ‘Third Place’, first place being home and the second, the office. They want the place where they can be completely at solace with themselves, a place where they can relax without stress. Moreover Wi-Fi facility is now available inside every Starbucks Store in the United States. CD burning facilities are also installed by the company in order to entice consumers.


Swot Analysis
Strengths
The reputation and its services is one of its prime assets. It is a global coffee brand having about than 9000 outlets in almost 40 countries.
The year 2007 saw Starbucks feature in the Fortune Top 100 Companies.
Strong values and ethics are the foundations on which the company is built upon.

Weaknesses

The possibility that the innovative approach followed by Starbucks may not click in the future.
The critics of Starbucks often argue that the company has many café’s in the United States: the company’s home country. This is bad for business as the risks of being in a single market are very high. It is suggested that Starbucks should invest in a host of countries to spread the risk evenly.
The price of the Starbucks is high if compared to its competitors.

By vikram deo
Author can be contacted at : vik_deo@hotmail.com


Opportunities

Many opportunities exist and Starbucks is keen on capturing them. To cite an example a CD burning service is been made available on a trial project, in Santa Monica, where consumers have the option to create the music of their choice.
Fair trade products, examples of new products and services can be retailed in outlets.
The global operations can be enhanced further. New markets like Pacific Rim countries and India are looking optimistic for the coffee major.
Giving the franchisee option is open. Starbucks can also avail the benefits of partnering with local manufacturers of food and drinking products.

Threats

The company faces a lot of competition from local and foreign competitors.
The rise in the price of dairy products and coffee is taking a toll on the company’s balance sheet.
Many copy cats brands have entered the market raising the threat of further competition.

Tourism in the United Kingdom (UK)


One of the biggest industries in the United Kingdom is tourism. The industry by market standards is worth approximately Euro 75.9 billion and provides a substantial amount to the U.K economy. Moreover more than 2.1 million people are employed in tourism alone (Star U.K statistics, 2002). Cultural and heritage tourism are on rise in the U.K. The growth of the tourism industry in the United Kingdom is directly linked with the growth of amusement parks, museums and restaurants. International travelers like to absorb the feel of the place, they are visiting. Traveling aimlessly is not their intention. The strength of the heritage and cultural tourism is to serve the likes of veteran tourists. There are many travelers around Europe and indeed the world who consider traveling for heritage, cultural activities or for ranking art specimens, according to www.nasaaarts.org/artworks/cultour.
More than 76 billion pounds are generated by tourism on a yearly basis in the United Kingdom. The people with the right skills can take advantage of the large number of incoming tourists, by providing them with facilities. The right knowledge, skills and attitude are vital for taking advantage of the situation. In the year 2006 alone, more than 840 million international tourist trips were recorded, and hence the tourism sector has emerged as a very important one. Worth more than 74 billion pounds, the tourism sector is one of the hottest sectors in the U.K economy.
The United Kingdom is an extremely popular destination today and the reason why this is so is because the country is able to provide exactly what the tourists are looking for.
Tourism growth in a country benefits the native people financially, with many restaurants catering to foreign tourists and other allied activities. Moreover the citizens get a glimpse of other cultures which broadens their vision of the world. The changing weather patterns tend to leave an impact on the industry in a particular area. One negative aspect of the growth is that the emphasis and importance given to domestic tourism has reduced. International tourist travel is possible if the season is favorable. To cite an example international vacations are highest from April-July and from December to January. It is possible that the number of visitors may fall, but may stay longer.
One cannot ignore domestic tourism industry as it is vital to the success of the tourism industry. It is beneficial for the people if they see their own land before zooming off abroad. The pressure of the balance of payments may also disappear if domestic travel industry is encouraged. Usually tourists spend quite low on domestic tourism as compared to the large amounts that they spend abroad. People today are recognizing the importance of the domestic tourism industry. After months of facing the chill, the prospects for domestic traveling are once again looking bright. Domestic travel industry is particularly important to boost the economy of the rural areas.
Literature Review Revised
The supply of tourism
“The supply of services and products of the tourism industry is a complicated tangle of industries and business in which certain aspects like consumption pattern, likely places of travel etc. need to be understood”. Sessa (1993:59)
Each country and region must understand that tourists cannot be taken for granted and have to ability to consume at international level. This is in total contradiction with other forms of supply where the locations are usually fixed. The difference here could be the ability of the corporations to relocate capital at a global level in order to meet the shifting demand. Thus it is possible that supply may not be able to keep up geographically, with the demand, above a certain level. This implies that different forms of pricing strategy must be applied at the peak and lows for particular locations.
From the perspective of production, the place where the tourist activities should be developed should be chosen very meticulously. The scale of the activities must be carefully determined. The availability of resources like space, manpower, natural beauty etc. determines the venue of a tourist spot.
U.K tourism is facing some changes
Ranked as the seventh most population destination for international tourists by the World Tourism Organization, an average of Euro 11.7 billion is spent by the tourists. The United States, Spain and France are ranked among the most popular tourist destinations by the World Tourism Organization. The U.K tourism industry has been facing turbulent times in recent years. According to statistics the tourist arrivals in the U.K in 2003 were 2% below their number in 2000. The reason can be partly attributed to the fact that 9/11 and 7/7 took place. Tourism all over the world took a hit due to the attacks on major world cities. The Gulf War can also be a reason why the tourism industry is in bad shape. Previously the U.K ranked the fifth in the world in the popularity index, but today is facing increasing competition from countries in Asia and Western Europe. However domestic industry continues to rise, and is a ray of hope in the midst of gloom.
The day trips contribute to 45% of the total U.K domestic tourism revenue. An average of Euro 75 billion was spent by the residents of the U.K to see their own country. British people are great patrons of their culture and the domestic pattern of tourism indicates that fact.
There has been a change in the pattern, with the U.K now exporting more tourists than importing as Englishmen are not shying from exploring new destination in Africa and Asia. More than 61 million trips were undertaken by Englishman as per the data of 2003, a number thrice as much as in the year 1983.
The role of urban hierarchy, urban regeneration and urban primacy needs to be considered while analyzing urban tourism. London was and remains the most popular tourist destination in the U.K with more than 12 million international tourists in the year 2003. 0.8 Million were received by Edinburgh making it the second largest tourism destination. Tourism and the regeneration of sites in Eastern London will be affected, if London is successful in hosting the Olympics in 2012. There is a lot of information to be found on urban tourism on Travel Trends (Chapter 4) and at www.staruk.org. Moreover you can also refer to Pearson Education, Harlow RGS-IBG, and Tourism for development.
The components of tourism and travel
There are a number of components that make up the tourism and travel industry. These components have to come together in order to supply holidays and to make available other travel products.
Some of the key components for tourism include:
  1. Transportation
  2. Accommodations
  3. Tour operations
  4. Tourist Attractions
  5. Travel agents and middlemen
  6. Trade associations and regulating bodies
  7. Ancillary services
  8. Tourism promotion and development
All thee factors are provided by different people in different segments. However all contribute to the development of the tourism industry in their own small ways. Tourism and travel is a very complicated business and it is very hard but necessary to get it right. The needs of the tourists whether inbound, domestic or outbound need to be satisfied and this is the prime objective of the tourism industry or any region or country.
The strategy to develop tourism in the United Kingdom-
The DCMS or the Department for Culture, Media, and Sport has been given the responsibility of preparing the strategy for development of tourism in the country. Supporting the industry, it offers help in the form of funds, carries cultural shows throughout the world and helps promote Britain as a tourist place across the globe. A national tourism magazine named ‘Tomorrow’s tourism’ was launched in the year 1999. The magazine dealt with four areas
-developing quality standards, achieving quality, sustaining the growth of tourism and carefully monitoring it. In the next year, DCMS launched an action plan in the magazine ‘Tomorrow’s tourism today’ which emphasized the duty of the public and private sector organizations with regards to marketing, skills, data collection and quality.
National tourist boards
Four tourist boards adorn the state of the United Kingdom: VisitScotland, VisitBritain, Wales Tourist Board and the Northern Ireland Tourist Board. The DCMS is constantly updated by the report of the VisitBritain board. The Scottish is responsible for handling the VisitScotland board while the National Assembly bears responsibility to be reported by the Wales Tourist Board.
VisitBritain
Introduction
The UK’s National Tourism organization (NTO) or the VisitBritain is responsible for promoting a positive image of Britain throughout the globe. The mission of the board is to: create world class value destination brands along with marketing campaigns for the development of tourism and to supporting organizations that are beneficial to enhancing UK tourism. West London is the seat of the VisitBritain headquarters. It employs 50 people, among which more than half are based in markets where the incoming tourists to Britain is large.
Goals of VisitBritain
There are five main stakeholders and each one enjoys specific targets
Overseas customers- to promote Britain as the perfect tourism destination, with the aim to generate revenue for the country throughout Britain;
Domestic consumer- To encourage internal visitors to take longer breaks relaxing within the country is the intention.
Providing advice to the government- advice is provided to the government on issues that may affect tourism and ways in which the government can help develop the tourism industry.
Strategic partners in tourism- The aim is to develop an amiable relationship with the various boards to promote development of tourism in Britain.
Staffing- The intention is to make use of the human resources by being open professional and accountable.
The boards of VisitBritain works in collaboration with Northern Ireland Tourist Board, Visit Scotland and the Wales Tourism board to promote tourism in the country of Britain. Gathering market information, especially one which will impact the UK industry is its forte. Providing information to tourist and potential visitors is also among its primary jobs.
Innovative approaches to tourism- The job of coming up with various innovative ways to market the country is the responsibility and goal of the VisitBritain board.
Product Development- The manufacturing of holiday products in order to meet the expectation and needs of the tourist is given importance. ‘Citybreak’ products are a result of shorter breaks and longer work hours, a trend seen commonly today. The more aware consumers are the most the demand for tourism is likely to be. An all inclusive holiday can be the perfect choice for people who want safety and economic trips. Another area for growth is the ‘spa’ holidays which are tailor made with the intention of relaxing your soul. The price of the holiday often includes yoga sessions and professional massaging. Many hotels are now getting popularly known as ‘spa hotels’. The increase in the number of private cars on the street has led to the increase in people driving physically to their tourist destination rather than availing services like plane or coach. This has also stimulated the sale or rent of cars I the holiday season, as most people prefer the convenience of traveling in personal car to traveling on a coach or plane. Tourism and car hire are very much inter-related, and the former has boosted the latter. Tour operators give flexibility to the customers by giving them the ‘drive-fly’ holidays. Developments in the aviation sector have led to the manufacturing of large planes like A380 which can carry many people around different locations in the world. The train has been a very successful model for tourism especially in France where the TGV network enjoys tremendous popularity and success. The TGV now runs from Paris to German destinations via Brussels and the Channel Tunnel.
By vikram deo
Author can be contacted at : vik_deo@hotmail.com

Resources:
www.travelstunt.com 

Tips on Buying Wine

Tips on Buying Wine

Buying wine is always interesting, but very few people are able to do the activity, effectively. An appropriately chosen wine bottle can win thousands of accolades for you, while a wrongly selected one can spoil your image in front of other people. Whenever one enters a liquor shop or a supermarket to purchase a bottle of wine, it is very obvious that the person will get confused on seeing a wide variety of choices. Several factors should be considered before choosing a wine. In order to relieve you from this perplexity, let us discuss a few tips on buying wine.

Always choose wine according to the occasion and party-type. If it is an all-girls party, go for a light wine; while if it is a dinner party for both genders, select a full-bodied wine. Pick a wine harmonizing with your food and desserts. Follow a straightforward rule of combining white with white and red with red, but make sure that you make a perfect blend between food and drinks. But before you visit a liquor store for purchasing wine, take a look at the ambiance of the shop. Wines are best preserved in an environment with regulated temperature and light, so stay away from the store where there is intense heat, bright sunlight and fluctuating temperature.

Now, decide on the wine color and taste. There are many choices available in the market including white wine, red wine, dessert wine, sparkling wine, etc. You can opt for any one of them, according to your liking and taste. Always have an idea about your preference as well as budget in your mind, as it will make the buying process easier as well as convenient. Some assistance can also be asked from the store staff. You can tell about your preferences to the salesperson and ask for the appropriate wine.

Some stores offer samples for tasting wine before making a purchase. Try at least three brands or wine types, but not more than that, because it may confuse your taste buds. Tasting wines before buying them is always a favorable idea. It is advisable that you go for a well-known wine brand, as nobody knows that how a new product would taste. If you have already tasted a variety of wines, you will be easily select one by seeing the details on bottle label. Last but not the least, explore and purchase an assortment of wines and collect two-three varieties, in case you are hosting a party. This would add a zing to your celebration.

By vikram deo
Author can be contacted at : vik_deo@hotmail.com

Hyper-threading

Hyper-threading

It is a new technology used by Intel for its processors like Xeon, Pentium 4, Atom and in Core series. This technology increases computers throughput as workload is divided between two cores of CPU. It enables multi-threaded software applications to execute threads in parallel which again leads to increase in computer performance (Improvement in response and reaction time).

Hyper-threading technology is a form of Simultaneous Multi-threading Technology (SMT) where software can run multiple threads without overloading the processor. In this technology as stated above multiple threads of software application can be run simultaneously on one processor and this is achieved by duplicating the architectural state on each processor while sharing one set of processor execution resources.

It is widely accepted that it is faster than the previous technologies however it is energy-inefficient. It uses 46% more energy than dual CPU design and also increases cache crashing by 42%. Currently Intel has released Core i7 processor (Codename – Nahelam) in late 2008. It contains 4 cores and can process 8 threads. In peoples mind doubts are present whether Multi-threading and Hyper-threading is same or different. No, They both are different.

Hyper-threading is using one processor but logically dividing it into two so that it gives the user the benefit of two processors with only using the resources equivalent to almost one. In Multi-threading processors are time-sliced such that it gives the user illusion that all the programs are being run at same time.

By AVISHKAR PARANJAPE
Author can be contacted at : paranjape_aavishkar@yahoo.co.in

How much is Sergio Aguero to Going to Cost?

How much is Sergio Aguero to Going to Cost?

The fight is still on and still hot for the Atletico Madrid’s star striker Sergio Aguero. Chelsea, the currently top rated club in the EPL, is in the race too. The deal between the related parties is inching towards a conclusion following the suspension of the transfer ban imposed on the English club by FIFA. News is that they all agree that it will be best if the transfer takes place in January rather than in summer.

"There are a few things left to talk about and we are looking forward to it. There are still many complications involved and there are equal chances of the transfer happening or not," a source revealed to the ESPN Soccernet.

More news is that the striker in question, Aguero has secretly agreed to go in for the deal and claim a whooping pay, which is close to nearly £250,000-a-week. The transfer fee will go past the British record of £32.5m offered for Robinho by quite some distance.

Giving a few more details about the money involved in the transfer, £100 million includes Aguero’s salary and the £40 million transfer plus near-£10m add-ons related to Chelsea’s success, meaning a near £50 million transfer fee, with added agents’ fees.

What complicates the deal is that los Colchoneros are demanding more for the player. The Spanish side was asking for up to £60 million during the summer, but has now lowered its demand to nearly £55m.

Among all this ‘deal or no-deal’ situation, only a few must be there who would not have noted the fact that during their encounter in the UEFA Champions League, it was Aguero scored both goals for Atletico Madrid, ending the game with Chelsea to a 2-2 draw. The match was held on November 3. Clearly, the star striker is beginning to find some form again.

Since the ban on Chelsea is suspending but still pending, the January transfer is a very crucial time for the club. It is very clear that they want to sign off some big names during the time when most clubs go for small transfers and wait for the summer bids to arrive. So, it is a known fact Roman Abramovich will not want to take any risk by waiting for the season to end.

Chelsea is looking forward to sign Aguero for a period of six years. Since five years is the period for a normal long-term deal, but considering Aguero’s 21 years, they will definitely think about stretching it to six years or even more, though the final years could be made optional.

Also, though Chelsea might pay the striker a good £6 million-a-year initially, it is assumed that the amount quickly will rise to £10 million. Estimates are that it will climb the ladder furthermore in the final year of the deal.

Manchester City is the only club at present that can compete with Chelsea for the deal, but sources reveal that Aguero might just not be interested in going there. Also, keeping in mind what happened with Kaka, there are doubts about the other club’s seriousness regarding the deal.

Chelsea also wants to sign Bayern Munich’s Franck Ribery. He could also get a similar deal if Chelsea is looking to go forward with it. They would want to make these deals because there is a strong probability that the club might lose both Drogba and Kalou to the African.

By Andrew Taylor
Author can be contacted at : andrewtaylor501@gmail.com

DECORATIVE BOLSTER PILLOWS

DECORATIVE BOLSTER PILLOWS

Pillows are one of the crucial points of any bedroom décor. Beautiful decorative pillows make the bed look warm and inviting. Using the right kind of pillow may help you to achieve that perfect look you have seen in a magazine or television.

There are many types of pillow available in the market. Tasseled pillow, fringed pillow, tufted pillow, decorative bolster pillows etc are few kinds used for decoration. Pillows are one of the easiest and cheapest ways to give any room a quick makeover. If you are bored with your bedroom, just try changing the pillows or add new pillows for a fresh look.

Decorative bolster pillows are cylindrical in shape. The special shape is the reason for their uniqueness. They may be oblong or oval cylinders. They are generally used in the bedroom. They are also known as tube or neck roll pillows. Decorative bolster pillows are used both for practical as well as ornamental reasons.

The bolster pillows used only for decoration may be pretty short. The long ones are used for reclining and are positioned at the top of the bed. Combining bolster pillows with other attractive throw pillows of different shapes and designs may help you to get a complete new look.

To get a fascinating look, it is advised to dress the pillows with covers made of attractive fabrics and patterns. Even a tastefully chosen cotton fabric may do the trick. Only the fabric chosen must go with the overall look of the room and must complement the whole decoration.

The right kind of arrangement with the right kind of pillows may help you to get an interesting decoration. The big decorative bolster pillows must be placed at the back. This layer may have three to five pillows. The number of pillow depends upon the size of the pillows as well as of the bed.

The next layer should be of slight smaller pillows. This time use lesser number of pillows, so that the pillows at the back are visible and a triangular pattern is formed. Subsequently, finish with a very showy single pillow or bolster. This way you may achieve the professional look.

Bolster pillows may also be used to decorate children’s room. Microbeads filled bolster are popular with children. The covers may be brightly printed with cartoon characters or the child’s favorite color. Children may use these bolster for sleeping, resting or watching television.

Invest in good decorative bolster pillow according to your budget and choice. They are found in different shapes and sizes in stores for home décors. They will help you to get that perfect look in your bedroom that will be the talk and envy of your friends and neighbors.

By Sanhita Ghosh
Author can be contacted at : sannusappy@gmail.com

5.39 WORLD CRUISE LINERS

5.39 WORLD CRUISE LINERS

World cruise has become a popular way to spend one’s holiday these days. Touring the world in lavish world cruise liners is a heavenly experience. Those with a passion for seeing the world must go on a world cruise at least once in life.

Travelling around the world is no longer restricted to the rich and famous but has come within the reach of common man as well. The luxurious world cruise liners offer various attractive packages all round the year to entice more and more people for world cruise.

Unlike in the past, today there are many cruise liners going for world cruise. Due to the heavy competition in the market, the rates of the tickets are no longer exorbitant. To attract more and more customers, unique offers are presented. The special deals and discounts offered by the world cruise liners are worth grabbing.

Today the world cruise liners are bigger and better then it used to be in the past. The ships are multi-storied and are nothing less than star hotels. Multi- cuisine restaurants, swimming pools, spa, gym, shopping centers, you name it and you will get it on board. The management makes sure that the customer is pampered thoroughly.

Embarking on a world cruise is usually time-consuming. You have to spend days on the ship. This may become monotonous at times. To save you from boredom, the cruise liners have all the arrangements to keep you entertained. These means of entertainment keeps you engaged and keep tedium at bay.

Nowadays world cruise liners have 3D and 4D movie screens playing the latest flicks. The spas offer various massages and body wraps to indulge you. At nights the disc gets active with dance and music. If you love books, you may spend time in the well stocked library.

The sailing through the boundless blue sea itself is a mesmerizing experience. The effervescent views, immaculate water, amusing sea creatures, far away islands, all this give you memories to be cherished for a lifetime. Added to it are the wonderful service provided by the cruise liners.

With the recession, cruise companies are slashing down their prices to become pocket friendly to the customers. The cruise itineraries are also being rescheduled to plan shorter voyages. These closer to home trips are more economic and within the reach of common man.

Select destinations or a destination of your dreams and set on a journey that you will never forget. Indulge yourself with the various services made accessible by the cruise company and live the life of a king for a few days.

By Sanhita Ghosh
Author can be contacted at : sannusappy@gmail.com

HOW TO ATTRACT WOMEN?

HOW TO ATTRACT WOMEN?

Over the ages women have mastered the art of attracting the opposite sex. Years of practice have made them perfect in attracting men. But the poor men are often lost about how to attract women. They think of all complex ways and miss out the simple tricks. Learning the trick of the trade is quite easy though. Follow the guidelines and become a favorite amongst the other species.

IDENTIFY YOUR DESIRE: Women are often very selective about their partner but men often pick up anything they get. Instead of choosing anybody who comes along your way, be particular about your choice. Make up in your mind what exactly you want in your partner and search for women with those attributes. A hard to please man gives out a very powerful signal which is easily attracted by women. Women like their men to have a unique taste and will vie for YOUR attention instead.

VALUE YOURSELF: Women are always surrounded by men trying to impress them. But with a certain amount of maneuvering you can women trying to make an impact on you. Be confident about your worth.

IMPECCABLE SENSE OF DRESSING: Be accustomed with the latest men’s fashion. Develop your own style of dressing which may become your signature style. Learn what looks best on you and dress accordingly to be noticed by women. Pay attention to your shoes and accessories as well. An appropriately dressed man looks good himself as well as values appearance in others.
SMELL HEAVENLY: Always invest on and use a good perfume or deodorant. Stinking body odor is an instant repellant and a good and fresh smelling man is always a pleasure to be with. You won’t even have the faintest idea how much your fragrance can do to provoke her senses.

BE OUT OF THE ORDINARY: Apart from your outward characteristics pay attention to your inner self too. Good looks attract attention but only a good look is not enough to hold one’s attention in you. Appear interesting to the person you are trying to attract. Talk senses about things the person will be able to relate to. Be acquainted with the latest issues, music, movies etc to be able to converse about and hold her attention.

BE A PATIENT LISTNER: Always pay an extra effort when it comes to listen to the other person’s opinion. It takes a lot to be a good listener. Carefully listen to what the other person feels but don’t argue on her view points. It’s very natural it may not tally with you but trying to squabble will spoil the show. Believe in your opinion but show respect to her’s as well.

BE UNPREDICTABLE: Do things which are normally not expected from you. Be extraordinary and amusing but don’t make a fool out of yourself while doing something different. Be imaginative and give her pleasant surprises which she will love to remember for ever.

FLAUNT YOUR FEELINGS: Use your emotions to stimulate attraction. Display what you are feeling at the moment so that the other person understands you well.

BE SEXY: Show your carnal side to attract the opposite sex. Be sexy but not sleazy. Exploit your sexuality and make her go weak at the knees every time she sees you.

Now wasn’t that simple? Apply these golden rules while playing the next game of attraction and see the result for yourself.

By Sanhita Ghosh
Author can be contacted at : sannusappy@gmail.com

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WINE TASTING PARTIES

WINE TASTING PARTIES

Wine tasting parties are a perfect means to bring friends and families together for an ultimate experience of experimenting with wines. It is fun to mix different types of wines or sampling wine with various food items like cheese or caviar to bring out an absolutely new flavor.

One needs a few wine bottles, right appetizers and foods for a great and successful wine tasting party. There are varieties of wine tasting options available, like Horizontal Wine Tasting, Vertical Wine Tasting, Old World Wine Tasting, and New World Wine Tasting and beyond. A plain assessment of the tastes of various red wine and white wines are the most loved form of wine tasting.

To get started, one needs to purchase few bottle of quality wines. About eight bottles of wine should be sufficient for six to eight people. For the right wine, the advice of the sales person at the wine shop can be taken into consideration or one can purchase one’s favorite brands. It is advised to include Shiraz, Pinot Noir, Cabernet Sauvignon and Merlot among the red wine variety and among the white wines, Sauvignon Blanc, Chardonnay, Pinot Grigio and Riesling are good options.

The host needs to arrange for lots of glasses or goblets. The glasses should be equal to the number of guests. The idea is to allow each guest to sample each wine at least once without taking the pain of rinsing the glasses.

The perfect food for wine tasting parties is finger foods and snacks or munchies. We don’t want our guests to drink wine on an empty stomach neither do we want them to be too full to relish the wines properly. Cheese and chocolates are the conventional accompaniments. There are a wide choice of cheese and chocolates available which go well with the wine. A wide palate of dips and sauces enhances the tastes of the snacks served.

If the get together is a formal one, beautifully designed tasting cards could be distributed amongst the guests. The tasting card would mention the kind of wine served, name of the vineyard, manufacturing details of the wine etc. The tasting card should have proper section for the guests to record the taste, essence, look of a particular wine.

But if the tone of the party is a casual one, a simple pen and paper would be enough to jot down the remarks of the guests. The guest can be asked to rate the wines according to the best and the worst tasting as per their individual choice.

Classically, wine tasting is started by using white wines and slowly progress to red wines. It is best to start with new wines and gradually proceed towards older wines. It is advised to assess each wine according to its distinctive color, smell and flavor. Generally, for each tasting, two ounces per wine glasses is poured for each person. Offering plain bread and water between each serving is helpful as it allows the guests to rinse their palates and make themselves ready for the experience of the next wine.

By Sanhita Ghosh
Author can be contacted at : sannusappy@gmail.com

Long Beach Island NJ

Long Beach Island NJ

Sun-kissed sandy beaches encircled by vast azure of Atlantic Ocean makes Long Beach Island, NJ an exquisite spot for city breaks and pleasure trips. It is one of those splendid shore towns that have a lot to offer to visitors. Surfing, cruising, bird watching or grand dining- you name your predilection and the shore community has it all.

Those who are longing for a break from the drudgery of urban life should drive down to this 18 miles stretched gleaming beach island that inhabits around 6 miles at the sea. This place is a short drive away from Philadelphia and New York City. Hence it is been hosting the summer visitors for about a hundred years.

You can get the charming aerial view of Long Beach Island’s Barnegat Bay from the Barnegat Lighthouse located at the northern end of this island. The hustle bustle of the fishing cove, wide array of fun-filled water sports and sail boats featuring maritime ambience of the township makes a picture perfect view altogether.

Long Beach Island makes an ideal destination for family holidays. The shore parish bears its own small-town charm and simplicity that fills your holiday with profuse delight. Shopping and dining are two activities you must try out here to increase the fun factor several times.

Those who prefer to hop around places while on vacation should visit the local attractions of Long Beach Island. Take a trip to the Fantasy Island Amusement Park that boasts about several engaging rides for kids where you can also accompany them to relive your childhood. Find the Toddler beach at “Taylor Avenue” that is safe and suitable for a family swim.

If golf has always been your passion and you don’t really wish to miss the golf session even on vacation, Long Beach Island has the provision for that. You can play your share of golf at “Ocean County Golf Course” or “Ocean Acres Country Club”. Health freaks should check out those multi-specialty spas and health clubs that offer comforting massages and treatment sessions to soothe your body and mind.

Would you like to know more about the history of Long Beach Island and find out its heritage? The legacy of culture and olden times are preserved at venues like “Barnegat Light Museum”, “Edith Duff Gwinn Gardens”, “Heritage Park”, “Long Beach Island Historical Museum”, “Old Stone Store & Historic Train Station” and many more.

Watch a movie at the small yet sophisticated Long Beach Island movie theatre with your spouse or pamper your romanticism at the picturesque natural parks. It is fun to visit the “Popcorn Park Zoo” and organize a small picnic there. A stopover at the St Francis Community Center hosting recreational and educational programs can satiate the art lover within you.

Being at the magnificent shore town of Long Beach Island, how can you miss cruising excursions? The “Ecological Tours” and “Alliance for a Living Ocean” arranges guided tours for tourists of all age groups. You can also opt for a boat ride or bus trip to the Atlantic City. If you are a large group of visitors, enjoy the private parties at chartered boats as provisions are available in plenty.

This summer no more confusion or discussion while deciding the holiday destination. Pack your bags and set for Long Beach Island, the panoramic township sparkling with multihued shades of life.

Cairo- A City Where History Comes Alive

A bustling city rich in historical legacy by the river Nile- Cairo makes a striking choice for city breaks. It holds a mystical appeal which breaks you free from the drudgery of day-to-day life and allows you to explore the interesting remains of Egyptian civilization. It feels enthralling to view the Pyramids right from your hotel window. A ride from the “Giza Pyramid” to “Sakkara” on horse back is a great experience for adventure lovers.

Love sailing? Watch the sun melting down the west from a “Felucca” floating on Nile. Take a bird’s eye view right from the top of the187 meter high Cairo Tower. The city sparkles at night with some of the most happening amusements. Treat your taste buds with lip smacking delicacies or simply indulge into a sumptuous shopping spree. You will not miss the modern amenities of a lavish city that keeps you going as Cairo features all of them. Add new facets to your trip with the Arabic music, Opera shows, Light and Sound shows at Pyramids which collectively make the facade of Cairo city.

By Prama goswami
Author can be contacted at : prama.goswami@gmail.com

All you need to know about Bronchitis

All you need to know about Bronchitis

Bronchitis is a pulmonary disease which occurs when the air passages inside the lungs suffer from inflammation due to a tracheal infection. The membrane lining the interior of the air ways get swollen and the cells in it start seeping out fluid. The immediate symptom is quite obviously severe coughing.
Causes

Often the prevalence of bronchitis is observed during the cold season. Generally it is associated with a respiratory infection. The Flu viruses are held responsible for this disease. Mycoplasma pneumoniae is the bacteria causing bronchitis. If you have inhaled certain harmful chemical particles through dusts and smoke, it can lead towards severe bronchitis. Smokers and aged people are prone to bronchitis.

Symptoms
Dry cough or cough with phlegm is the first and commonest symptom of bronchitis. The continuous cough attacks can sustain for at least two weeks and gradually the patient develops pain in his abdomen and chest. This can be as serious as breaking the chest if proper curative measures are not taken immediately. Fever, wheezing, sore throat, nasal congestion and paining muscles are other symptoms of bronchitis.

Seeking treatment
Often bronchitis patients recover naturally with general medication. Cough syrups can make the coughing situations manageable. The doctor can prescribe an inhaler to treat wheezing and clear off the congestion in the nasal ways. If the patient has temperature for a long time or coughing blood then it is evident that the bronchitis has become severe and can turn out to be pneumonia. In this case he should be hospitalized immediately.

Tests for bronchitis
Generally doctors diagnose bronchitis by the common symptoms observed in the patient. There is no blood test involved here. But if the condition is serious you might need to get a chest x-ray done. The other two tests performed occasionally are phlegm culture or Oxygen saturation test.

Home remedies for bronchitis

There are numerous home remedies available to treat bronchitis naturally. A mixture of black pepper, honey, ginger paste and clove powder make a great medicine for the bronchitis patients. You can also give honey with spinach juice to the bronchitis patients. Onion juice, orange juice, turmeric, ginger etc are other effective herbs that can cure severe bronchitis without any side effects.

Prevention of bronchitis
Quitting the habit of smoking will definitely prevent bronchitis. Passive smoking is equally injurious and you are advised to stay away from a smoker if you really wish to keep away bronchitis. You should be careful about the exposure to dust particles, smoke and other irritants. Air pollution is another crucial reason behind the prevalence of bronchitis.

2. Know how to get rid of wrinkles with facial exercises

Who won’t love to get rid of those ugly wrinkles on the face making you look elder than your age? Most of us have a tendency to ignore the facial muscles while toning up the body to a desired shape. If you really wish to find out , you must understand the general benefits and procedures of these exercises. Facial exercises effectively protect the targeted muscles from sagging. Your soft and supple facial skin can gradually become loose and slacked over a period of time if you are not allocating any exercise for the muscles underneath. There are different exercises for eyes, forehead and double chin. You can do the simple facial exercises whenever you get time at work or while resting on the bed. Identify the sensitive pressure points around the eyes and on forehead to press them tolerably with your fingers which is a great facial exercise indeed. Soon you will watch those unwanted wrinkles disappear from your face and you will stops aging; as far as looks are concerned.

By Prama goswami
Author can be contacted at : prama.goswami@gmail.com

How to Finish a Basement?

How to Finish a Basement?

Basement! It is one of the most underestimated yet potential areas of a house. If configured and modeled properly, it can provide you with a lot of free living space compared to rest of the house and on top of that you can utilize it as your new game parlor, a bar or recreation room. It can also be a separate room for the servants or pets. Some of them even use it as their office space.

If you think carefully about how to finish a basement, you will realize that it is already a space with four walls, a ceiling and a floor which has probably been wasted till date. Hence remodeling would a cheaper option than building up an additional room at any part of the house. A little finishing touch here and there and the basement will turn into a great extra piece of space to be used for any purpose you wish. In fact many people invest their leisure time in finishing the basement and save substantial money on it.

As it is with any construction job, the first and foremost thing that you would have to do is figuring out a clear and detailed plan of what exactly you want from your basement, what the current situation of the room is and what you would need to accomplish the entire task. A kid’s playroom will probably call for a different setting than that is needed in your new office. Thus setting a goal in mind about how to finish a basement before you start off is always better. Moreover you can also contact the local supplier in order to get an estimate of the things required.

While remodeling the basement you will need to take exact measurements of the dimension of the floor, ceiling height, the walls and so. If you are looking forward to include a bathroom or wet bar, you should consider the plumbing arrangement as well. And one more thing, you definitely don’t want to affect the functioning of the rest of the house while working with the basement. Hence check out the valves, pipes, water storage tanks or septic tanks that might be attached with the basement and need to be replaced or removed before you carry ahead with your mission.

Plumbing is one of the most important features that need to be done carefully to integrate the separate functioning of the basement with rest of the house. When it comes to lighting, natural lighting through the windows is always advised since they not only let light in but also air for ventilation. If artificial lights are installed, the more the number, the better it is for your basement. And lastly, doing the ceiling is a tricky part and if improperly done, it can result into a reduced ceiling height. In this case, dry walled ceilings are what is preferred most of the time but you should also make sure that you are allowing enough room for the pipes, electric circuits, valves and plumbing.

So get ready to finish the basement in a different way so that you can use it for any purpose; for your help get the how to finish a basement manuals from the web.

By Prama Goswami
Author can be contacted at : prama.goswami@gmail.com

Cairo- a City Where History Comes Alive

Cairo- a City Where History Comes Alive
A bustling city rich in historical legacy by the river Nile- Cairo makes a striking choice for city breaks. It holds a mystical appeal which breaks you free from the drudgery of day-to-day life and allows you to explore the interesting remains of Egyptian civilization. It feels enthralling to view the Pyramids right from your hotel window. A ride from the “Giza Pyramid” to “Sakkara” on horse back is a great experience for adventure lovers.
Love sailing? Watch the sun melting down the west from a “Felucca” floating on Nile. Take a bird’s eye view right from the top of 187 meter high Cairo Tower. The city sparkles at night with some of the most happening amusements. Treat your taste buds with lip smacking delicacies or simply indulge into a sumptuous shopping spree. You will not miss the modern amenities of a lavish city that keeps you going as Cairo features all of them. Add new facets to your trip with the Arabic music, Opera shows, Light and Sound shows at Pyramids which collectively make the facade of Cairo city.

By Prama goswami
Author can be contacted at : prama.goswami@gmail.com

Tua trend body


Tua trend body is a pocket size, portable gym. It helps to maintain the body in a good shape. It tones your muscles and helps you in losing unwanted body fats.

Tua trend body works on electro stimulation principle. It comprises of electrodes that generate electric pulses. These pulses directly target the body muscles through the skin. The pulses cause the muscles to vibrate in a rhythmic fashion. Due to constant contraction and expansion of the muscles, they become a lot firmer which in turn gives a look of a well worked out body. When operated on the fleshy parts of the body, tua trend body causes the flesh to vibrate there by burning wanton flesh from the body. It can also be used on face to get rid of wrinkles and bring back that vivacity on your face.

Tua trend body has 2 outputs to which electrodes can be attached. The outputs generate symmetric current which can be applied to body parts via the electrodes. The electric current is rectangular biphasic in nature whose intensity can be controlled by a regulator. The whole set of tua trend body comprises of an electric stimulator with 2 outputs, 2 kits of 4 electrodes each; 2 leads for electrodes, adapter and a user manual. It features 12 inbuilt programs to serve various purposes. Some of the common programs that can really come in handy are:

Program for burning wanton flesh: Obesity is a major cause of concern for a significant percentage of population across the world. The main reason for obesity is incorrect eating habits coupled with sedentary lifestyle. The only solution to obesity is burning the excess of fats from the body which can be achieved by involving in vigorous physical activities like work outs. Tua trend body causes vibrations of your muscles causing energy to be consumed and thereby burning the excess of fats.

Program for toning up body muscles and sculpting your face: With age, muscles become weak. The skin loses sheen and it gives way to wrinkles. Tua trend body can be used to enhance your face by making your cheekbones tight and reducing the wrinkles on your face.

Program for strength building: Tua trend body when targeted on specific muscles can strengthen them. It also helps in building your stamina. There are programs to build muscle mass and give that sturdy look to your body.

Program for relaxation: The program is designed in such a manner that it causes the muscles to contract and relax in a periodic manner. This causes the muscles to loosen up. This program can help in dealing with muscle spasms.

By kushal doshi
Author can be contacted at : kushaljdoshi@gmail.com

How to become medical underwriter ?

How to become medical underwriter ?

Job profile

Medical underwriting job has been the biggest beneficiary of the increase in health awareness amongst the people world wide. Underwriting is the method used by evaluators to evaluate the eligibility of customers to receive a particular financial instrument. A medical underwriter acts as a third party to assess the medical conditions of the customers to check if they are eligible to receive medical cover. A medical underwriter works for medical companies and evaluates potential customers to ensure that the company makes profit by providing medical cover to those customers. Individuals who file for health or life insurance need the approval of the medical underwriters. Medical underwriting is a complex process in which the underwriters examine the health history of the potential clients to see if they have any long term illness. Before being granted medical insurance, the applicant has to undergo several tests. These tests are examined by the medical agent to see if the company he is working for will not be at a loss by providing medical cover to that applicant. This is done because people who have a history of illness are more prone to falling sick again. Hence, application of such people may be rejected. Also, at times, old age people are not granted insurance because they fall ill far too often. All these decisions are taken by a medical underwriter.
Academic qualifications

As an effective medical underwriter, you are supposed to know a few medical subjects. You must have a profound knowledge of human body. Some of the recognized courses in this field are:


LOMA Associate Customer Service

LOMA courses and/or designations

Academy of Life Underwriting (ALU) Industry related courses and/or accreditations.

Skill sets

You must have superior analytical skills. Every now and then, you have to make important decisions that may affect the company so you must have good decision making skills. You also need to have good knowledge of human anatomy so that you can analyze the reports and medical history of the applicants. You can work on your own or work with an agency as a team. Superior verbal and written communication skills are expected. You cannot have cold beguile personality and let your emotions come in way of decision making process as you might come across a situation where you have to reject the plea of an applicant. Also you must be well versed with computers.

Employment outlook

There are various levels of jobs that you can avail of like dental insurance underwriter; corporate insurance underwriter; medical case manager; insurance sales representative; and insurance recruiter. Medical underwriting is an integral part for any insurance company. No insurance company can do away without a medical underwriter. The opportunities are huge globally.

Salary: depends on your work experience and expertise. In general, it is around $45,000 to $50,000 annually. But top level underwriters earn as high as $100,000 annually.

By kushal doshi
Author can be contacted at : kushaljdoshi@gmail.com

A currency trading equation that can help you understand FX better

A currency trading equation that can help you understand FX better

Fx trading is undoubtedly one of the most lucrative business options. You can earn huge bucks in this form of trading. In spite of the fact that people have been in to currency trading for ages, there are a few simple concepts that they are not aware of. They tend to overlook the fundamentals of Fx trading and hence end up being on the losing side more often than not. This article will help you in understanding Fx trading with the help of a simple forex equation.

‘Supply’ union ‘demand’ + ‘human point of view’ => price mover.

This forex equation emphasizes on the factors on which prices of the currency market depend. The important driving force in price movement is the supply demand ratio. This criterion is true universally for every business, leave aside Fx trading. If the demand of a good or a service increases, it is obvious that its rates also increase. Similarly, if a particular currency pair is in more demand, it goes without saying that its prices are going to appreciate. This is because a currency that has good future prospects will tend to attract more traders. So, there will be more number of bidders for a currency pair at a particular rate. When the bidders are more, the prices appreciate to filter out less capable bidders until there are only the best bidders vying for that particular currency pair.

This forex equation also focuses on the supply side of the currency pair. If the suppliers of the currency pair are less than the number of takers, the prices are going to increase.

Currency trading does not only depend on the supply demand ratio. If it were true, you could easily predict the markets with the help of supply demand indicators. The main reason why markets do not move as per this technical is the addition of human perspective. When huge sum is at stake, people tend to get apprehensive and take wrong decisions there by disturbing the market trends. Human emotions do not conform to the established theories and hence currency market moves in a way that not many can predict.
What this forex equation does is that it clears out some of the misconceptions which most traders have while operating in currency trading. Firstly, you cannot predict the market to perfection. With the help of indicators, you can at best predict where the market is heading. Secondly, there is no fixed formula to trade effectively in Fx trading. How you trade depends on a lot of dynamics that keep on changing from time to time.

If you come to terms with this forex equation, it will certainly help you to take better decisions.

By kushal doshi
Author can be contacted at : kushaljdoshi@gmail.com

About Web hosting

Web hosting

It is a service that provide us to host a website on internet accessed by other users on internet.

Need

If you want a web site, you will need web hosting. You need to upload different data and information in your web site which can be accessed by different users on internet. And to upload such data and information, you need space in sever, which are provided by the web host.

Types

There are two types of web hosting. One is pay & use and the other is free. There are more than 100 free web hosting sites. Free web hosting is not recommended for businesses unless you can get domain hosting from an ad-free host that is very selective. In these sites the web hosts provide a limited space where you can upload data and information and other web design. But always remember they are providing free space because they have some benefits of their own. The best example is advertisement of their own website.

On the other hand pay & use web host. Like joinhost.com, hostclear.com, yahoo.com, hostmonster.com and many more. Here you have to pay through credit card or any other type of money transfer. But always be careful of some restricted site.

Making money

Now when your web-site is ready you can earn money through it. For these you have to put banners, popups, or popunders ads on your free webpages. Some free web hosting companies do not put ads on your siteand for these you need pay & use web host, but require you as the webmaster to click on banners in their control panel or signup process, or just display banners in the file manager in hopes you will click them. You can also include forums and others interesting information and add a tag of small amount of money. I hope it will work.

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