Understanding Science – Its Application in Daily Life

August 29, 2016

Science is derived from the Latin term ‘scientia’, which means ‘knowledge.’ It is a systematic explanation of every element present in the universe. To understand the subject, you simply have to look around you. Everything you see, whether it is your computer screen, a pen, papers, your pet, the sun, or other things are all elements of science. Science covers everything from the smallest particle in an atom present in the circuits of your computer, to the complicated electrical fluctuations and chemical interactions within our bodies that enable us to read and perform other normal activities.The Characteristics of ScienceScience helps in answering questions in a simple and logical manner. It can also lead to advancements in technology, and help us improve our knowledge on enormously useful and important topics, like the environment, natural hazards, our health, and others. Science is the reason for the developments in the modern world, and scientists across the world continue to work, to unravel the mysteries of the universe. A multi-faceted and complex subject, science has fairly straightforward basic characteristics.

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Science limits its focus to the natural world, avoiding supernatural explanation about any given matter. It educates us about the natural world, what it is made of, what it contains, and how it works. It is more than a collection of factual data, and science is a long road to understanding the universe. It identifies answers by carrying out tests rather than speculating results. Observations and ideas form an integral part of science. Scientific ideas are accepted because they go through rigorous testing processes, but the emergence of new perspectives and evidences make these ideas subject to revisions.Fields and Branches of ScienceScience is commonly classified under two major categories: Social sciences (study of societies and human behavior), and natural sciences (study of natural phenomena such as biological life). Other disciplines in the subject include applied and interdisciplinary sciences, such as medicine and engineering. Although these scientific disciplines have their own expertise and nomenclature, they often include other inter-related disciplines.

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Formal science is another branch of the subject, which includes mathematics, logic, and statistics. Formal sciences are crucial in the formulation of laws, hypotheses, and theories related to social sciences (the manner in which humans or animals think or act), and natural sciences (the explanation about how everything works). Each discipline of science has sub-divisions that focus on particular sections of the subject.Why Study It?Science offers wide scope for people who are interested in exploring the mysteries of the universe. Getting science help will ensure that you better understand the natural world and how it works. A good science tutor is greatly beneficial for students who find the study of science difficult.

Web Hosting – A Guide for Beginners

August 12, 2016

So you’re looking to learn about web hosting and what it has to offer or you may not know much about web hosting? There is no shame in not knowing this information. Everyone has to start at the beginning at some point. On that note, lets begin learning about web hosting.First off, what is web hosting and how does it work?Web hosting is the business practice of providing space and bandwidth on a high-powered computer server that is connected to the Internet at very high speeds. Hosting companies maintain large networks of high-powered web server computers in a physical location known as a data center. These computer servers are connected to a very fast, and generally redundant, Internet connection. The data centers have primary and backup power, a fast connection to the Internet, and a security monitoring staff.The web hosting companies provide a share of disk space and available bandwidth to a customer for a monthly fee. Once the customer is signed up, they can upload files to their personal space on the web server and the information is then viewable to anyone interested on the Internet. The monthly fee the web hosting company charges is much less than what it would cost to run a server out of your own home or data center. This is the reason these companies exist. They take care of all the hardware, software, and other technical needs for you.Types of web hostingThere are many different types of web hosting offers, but the main three are shared, reseller, and dedicated. Each type of hosting is for a different purpose.Shared Web HostingShared web hosting is the most popular form of hosting. Shared hosting is a portion of disk space and bandwidth provided to you by the web hosting company on a high-powered server. There are many other web sites hosted on this server, and the hosting company is likely to have quite a few of these servers in a large data center. The resources of the server are shared by as many other websites as are allocated to that computer.Shared web hosting is the best form of web hosting if you are looking for a great price and don’t have more than a couple thousand daily visitors to your site.Reseller Web HostingReseller web hosting is a popular, low-cost solution to starting your own web hosting business. There are two types of reseller hosting, private-label and a reseller of services.The private-label is the best type of reseller plan because it allows you to retain full control over your customer’s websites. A private-label plan allows the reseller to keep the full monthly payment of the web-hosting customer, but the reseller must pay a monthly fee to the larger hosting company for the reseller space. The more hosting accounts a private-label reseller can sell, the higher the profit for them. Private-label hosting allows you to host many more websites than if you were using shared hosting for each. This is a great solution for someone who has many sites they need to host in one location to save money.

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The reseller of services plans resell the regular web hosting plans of a larger web hosting company, but you get a discounted price for providing the customer and earn a monthly fee for as long as they remain a customer. This plan does not allow control over customer web sites and you only keep a portion of the potentially monthly revenue.Dedicated Web HostingDedicated web hosting is the most powerful and cost effective solution of hosting a busy web site without resorting to buying your own equipment and paying hundreds of dollars per month for a fast Internet connection. Dedicated hosting consists of single server with no one else hosting on that computer. This allows for the greatest of configuration options. Anyone who has a busy website will find dedicated hosting is the necessary choice.Web Hosting ConsiderationsWondering about all the other information listed in web hosting plans? In this section, I will explain the most important considerations in choosing a good web host.PriceThe price of web hosting services is one of the most important. There are many hosting companies out there with cheap hosting packages, but they may be lacking in other areas. Don’t let the price of a hosting package fool you. There are some hosting companies out there who have great prices and the other features are just as good. Price may be one of the most important decisions of a web hosting plan, but there is much more to consider in choosing a quality web host.Disk Space / Storage SpaceDisk space is the amount of physical storage space a web host gives to you to store your web files. Hosting companies these days have plans with disk space being measured mostly in terms of gigabytes, but some are still offering plans in the megabytes for storage space. Depending on your needs for file storage space, you may need more or less. Generally the more disk space offered, the better.Bandwidth / Data TransferThe amount of bandwidth available can make a big difference in choosing a quality hosting plan. In general, the more bandwidth a hosting company makes available to you, the better. This means you can support more traffic to your web site as your business grows. Be wary of web hosting companies that offer unlimited or unmetered bandwidth. While many of these are legitimate offers, there are some out there who are overselling their bandwidth in hopes the average user won’t use much.Customer SupportIn any business, it is very important to provide exception customer service. Web hosting is no exception to this. Many of the hosting companies are available all day and night in case you have a problem with your web site, but there are some who are just available specific hours of the day. If your web site goes down in the middle of the night when they’re not available, this means lost revenue for a business. You should make sure the web host you select is always available for support.Money Back GuaranteeMost web hosting companies will provide a thirty-day money back guarantee. Some will provide one even long, but be wary of the ones who offer no money back guarantee. I would not purchase web hosting services from a company who does not offer at least a 30 day money back guarantee, unless they have proven themselves to be a leader in the industry and have an excellent reputation.Operating SystemAn operating system is a piece of software that controls the interaction between the computer user and the physical hardware of the machine. A vast majority of all web sites on the Internet run on the Linux operation system. Linux is generally much more stable than Windows. Stability is critical in running a web site. For this reason, I prefer to host my web sites on the Linux operating system. Some sites have specific requirements that only the Windows operating system can satisfy, but there are always alternatives to those requirements.BackupA good web hosting company will have a regular schedule to backup the data on all the web servers. The more often the data is backed up, the better. At the very least, a web hosting company should backup web site files daily.Control PanelThe control panel is the point of contact the web site administrator will have between the host server and their own machine connected via the Internet. It is essential to have a well organized and easy to use control panel interface. My favorite control panel is cPanel, which is one of the leading web hosting control panels out there today. Plesk is another good one, and many companies will create their own control panel for you to use. Most web hosting companies will provide a link to a demo of the control panel they use with their hosting plans. The control panel used is a matter of preference, but it should be user friendly.EmailEmail is essential part of communication on the Internet. Most web hosting companies out there will give you more email addresses and more space to hold email messages than you will ever need. What you need to watch out for is the companies that have decided to be a little strict on their email accounts and only offer a small number or a small amount of message space.UptimeUptime is a term used to describe how often the average web site hosted by a company is available online. No company should be expected to provide an exact 100% uptime. This is impossible due to things such as hardware, software, and power failures. A vast majority of the companies are very good with uptime, and they guarantee it. It is still a good idea to be conscious of the uptimes posted by the company. If it is not at least 99.5%, it is probably not worth hosting with that company.

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StatisticsAs a webmaster, it is nice to know how many visitors you’ve had, where they came from, how long they stay on your site, and how much bandwidth they’ve used. This information is collected by the web server and is placed in a log file. A statistics software package can read this data and provide meaningful information to the webmaster. The information gathered from these logs can be very valuable in improved services to the viewers of the web site.FTPFTP stands for file transfer protocol. It is a way of quickly uploading or downloading many files to and from a web server. Most web hosting companies will allow their customers access to their web hosting accounts via FTP. FTP is very useful and is a great feature to have when paying for a web hosting account.ScriptingSince the World Wide Web began, many scripting languages have been created and have evolved into the dynamic and interactive environment we enjoy today. A scripting language is a way of adding functionality to a web site, whether it be to calculate numbers or to load information from an external database. Scripting languages have made electronic commerce possible. Some of these languages include PHP, ASP, JSP, Coldfusion, VBscript, Javascript, and Perl. I won’t go into the details of these in this article for the sake of complexity. If you know how to use these languages, you should know what to look for in a web server for them.DatabasesA database is a place to store data that can be used in a large variety of ways. Databases are used on the Internet for applications such as shopping carts, message boards, and product catalogues. The more databases the web hosting provider allows you to create, the most applications you can deploy on your web server. Databases are used by the more advanced web master, but information is freely available online should you be interested.ConclusionsWeb hosting can be a very difficult decision with the many thousands of hosting companies out there. It is critical to find a plan that fits your needs and to have a good hosting company. I hope this article was useful in making your decision about which company to host with. Happy Hosting!

Franchise Agreements, Governing Law and Jurisdiction Issues

September 5, 2016

In franchising franchisors can end up spending huge monies on attorney fees and worse off find them selves simultaneously fighting legal battles in multiple jurisdictions over often frivolous lawsuits brought on by non-performing franchisees and their professional parasites.After watching other franchisors become legally embattled it became apparent to me that our company needed a hedge in this issue. Although we never had this problem I witnessed other franchise get off their game and lose focus on the market and their companies. So, I decided to add this clause to our franchise agreements;

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7. MISCELLANEOUS7.1 Governing LawThis Agreement has been accepted and made in the State of ________, United States and all rights hereunder will be governed by and interpreted under the internal laws (and not the law of conflict of laws) of the State of Arizona.7.3 WaiverA waiver of any default or breach of any provision, term, covenant, or condition of this
Franchise Agreement will not be a waiver of any subsequent breach of the same or any
other provision, term, covenant, or condition.Any waiver of any provision of this Agreement must be set forth in writing and signed by the party granting the waiver. Any waiver Franchisor grants will not prejudice any other rights Franchisor may have, and will be subject to Franchisor’s continuing review. Franchisor may revoke any waiver, in its sole discretion, at any time and for any reason, effective upon delivery to Franchisee of ten (10) days prior written notice of revocation.By written notice, Franchisor unilaterally may waive any obligation of Franchisee, their principals, or the guarantors.

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Our consent, whenever required, may be arbitrarily withheld if Franchisee are in default under this Franchise Agreement.——— ———— ———–If you are a franchisor perhaps you should run this by your attorney [professional over billing parasite-opinion] to see if such a concept would be right for you. Often these clauses are not allowed in many jurisdictions, but if you’re a dealing with International Interests or regions in country where such clauses are allowed it might be something to ask your lawyer about, who knows? Consider all this in 2006.

Affordable California State Child Health Insurance Plans – I Can’t Pay Much

September 9, 2016

Finding Affordable or No Cost Insurance For Your ChildEvery child needs dependable health insurance. However, not all parents can afford the full cost of private medical insurance. As a result, there are a variety of programs offered by the state of California and private organizations that can provide health care to financially strapped families. Through these programs, there should be no child in California that doesn’t have health insurance.In the sections below we will give an overview of the child health insurance programs that are available in California. Some of these plans provide complete coverage for children at no cost, and others provide just the basic services. Then we’ll outline the steps parents should take to find the best program for their children.Medi-CalThis is the name for California’s Medicaid program. The program is administered by California, and is financed equally by the Federal and State government. Medi-Cal provides no cost health insurance to low-income families, seniors, and people with disabilities. People that qualify for Medi-Cal can receive free preventive care, treatment for injuries and illnesses, dental care, vision screening, and mental health treatment.This program is one of the cornerstones of the Affordable Care Act, and will expand considerably to take in new people in 2014.Healthy FamiliesThe healthy families program provides low cost health insurance to the children of low income families. This program provides a variety of services such as medical, dental, visions, and preventive care. The program requires families to meet certain income requirements which may viewed at the following link: http://www.healthyfamilies.ca.gov/HFProgram/Income_Guidelines.aspx

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The Healthy Families program is being rolled into the Medi-Cal program during 2013. The transition plan will ensure that families do not see a disruption in services, and will increase the benefits that children receive once inside of Medi-Cal. Healthy Families is still accepting applications for new children.Child Health and Disability Prevention Program (CHDP)This is not an insurance program. However, the program does assist low income families in obtaining preventive care and health assessments for their children. CHDP provides checkups, nutrition evaluations and guidance, immunizations, hearing, and vision screenings. This program is administered by the state Department of Health Care Services (DHCS). The program helps families determine their eligibility for assistance programs, and enroll in the appropriate care program, such as Healthy Families and Medi-Cal.Children’s Health Initiative (CHI)Children’s Health initiative is run by an independent non-profit known as The Institute For Health Policy Solutions (IHPS). CHI works with many counties to reach the low-income families with children that don’t have health insurance. CHI works with families whose income is less than 300% of the Federal Povery Level. By providing technical support and guidance, programs are created in each county to create “Healthy Kids” insurance plans in a partnership with the local communities and businesses.CHI helps families determine which state programs they qualify for, and can assist in the enrollment process.For information about CHI in your county, see the following map of California: http://www.ihps-ca.org/localcovsol/cov_initiatives.htmlCalifornia Children’s Services (CCS)CCS is a state program that provides health care assistance to children up to age 21 with special health problems. The program works with Medi-Cal and Healthy Families to provide case management and ensure that children receive the right care and see the right physicians for their special health needs. Examples of special health problems are cystic fibrosis, hemophilia, cerebral palsy, heart disease, cancer, and traumatic injuries.Steps You Should Take To Find Affordable Child Health InsuranceIf the mother of a baby is enrolled in Medi-Cal or the Aid for Infants and Mothers (AIM) program, then the steps below will not apply for getting baby health insurance after birth. In this situation, the baby will be transferred into Medi-Cal with the mother, or into Healthy Families or Medi-Cal if the mother is in the AIM program. For all other situations, use the steps outlined below.

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The first step is to look at the coverage map for the Children’s Health Initiative above. If CHI has an active program in your area, then this program can act as your partner in helping you get into the correct health program.

If CHI is not active in your county, then contact the Child Health and Disability Prevention Program. This office can help you through the process of finding the correct program and assist you in filling out the necessary forms, or they will put you in contact with a local office for assistance.

If neither of the steps above works, then you should contact your local Medi-Cal office. Medi-Cal will be your lowest cost solution, so start with this program

If you do not qualify for Medi-Cal, then contact the Healthy Families program.
No child in California should be left without health insurance. By providing the proper care and nurturing, we ensure a better future for our state. The programs we have outlined above can provide families with financial difficulties, the health care their children need. The first move is to follow the outlined path, taking one step at a time, and enrolling your child or children.

Short Introduction of Canteen Related Products

August 5, 2016

These days one can find a lot of new, modern, technologically advanced appliances made for the kitchen. Earlier Refrigerator, Gas stove, Toaster, etc. were considered to be very Hi-Fi appliances. But these days one can find them in every house, yes, even the poorest of slums. One cannot live without them and their prices have fallen so much that almost everyone can afford them.Today all these appliances are considered as basic/fundamental kitchen appliances. New advanced appliances include the latest of Microwaves, Dish washers, Electric Ovens, and many other kitchen Gizmos. They are offered by almost all the leading electrical companies of the world like Sony, Samsung, GE etc.

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Kitchen Appliances are broadly of two types, Basic or Fundamental appliances and Luxury kitchen Appliances. Basic appliances are the ones without which one can not survive in the kitchen today. Like we can not cook without a stove, or store food without a refrigerator.Coffee maker, Tea maker, etc. are treated as luxury appliances. Luxury kitchen appliances are those appliances which one purchases for luxury, that is, to reduce ones workload in the kitchen, and to make some tasks easier. For example, you don’t really need a coffee maker everyday, but they make your job a hell of a lot easier when you have guests over. Similarly, you can make tea on the stove, but it’s much easier to use a Tea Maker for it.The luxury appliances are generally more expensive than other basic ones. But one can purchase them at a discounted price during seasonal sales or by purchasing a lot of such appliances together at a whole sale price from a wholesale canteen/kitchen products shop. There are many such offers running these days which take place every season, say at the end of the summer and winter for example. You can also buy luxury items in second hand shops though you need to make sure they items you purchase are fairly new and in good working condition. Second hands luxury goods come very cheap, though there is no guarantee on their usable life.

Dysfunctional Environments: What Is A Dysfunctional Environment?

November 3, 2016

When it comes to describing a dysfunctional environment, it might help us to also look at what a functional environment might look like.Functional EnvironmentA functional environment then; would be an area that is conducive to growth. Somewhere that not only supports and encourages an individual to be themselves, but also allows them to.Here, one can express who they are and feel safe doing so. Positive feelings and thoughts are also more likely to occur in this environment.Dysfunctional EnvironmentThe dysfunctional environment on the other hand would be somewhere that doesn’t allow for the above to happen. Where the individual doesn’t feel supported or acknowledged in anyway, let alone in a way that honours who they are. This might be an environment that forces one to constantly compromise their values and themselves.The word door mat comes to mind here; with boundaries being nonexistent in this environment. Feeling and thinking negatively is also something that might seem to just happen; coming on like a parasite, without reason or warning. Despair is also another common consequence from being in this type of environment.Conscious And Unconscious EnvironmentsWith both of these examples we can see that one is an environment that could be classed as conscious and the other is an environment that is the complete opposite.By this I mean that the dysfunctional environment is an environment where behaviour and the effects of that behaviour go unnoticed. The people in the environment have little, to, no awareness of their actions or to the damage, which is being carried out physically, emotionally or mentally.

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Standing UpPerhaps if one were to comment or mention how they felt to the person or persons in the environment, they might be dismissed or ignored. This of course all depends on how dysfunctional the environment is.The Frog MetaphorThis is a story that is helpful in explaining the insidious nature of the dysfunctional environment.It is about a frog that is put in a pan and is cooked so gradually that it doesn’t know or notice the difference in temperature. And after this slow rise, the frog dies. It was oblivious to what was happening and its imminent death. It became comfortable and numb to what it was experiencing.So How Does This Relate To Dysfunctional Environments?Within this environment one will notice at first that it is draining to them. However unless one takes the steps to break away or steps out of the environment so that it can be seen from another perspective, they might start to feel comfortable within this environment. With their original state of mind and aliveness; fast becoming a distant memory.Now this could be because of a gradual drip feed approach or the slow cooking approach mentioned above. It might also be because it is an environment that feels comfortable and safe to them; as absurd as this sounds. It is reminding them of their history and what hasn’t been looked at.Is This How It Is?One might have never been in a functional environment. This makes it difficult in seeing contrast and in being able to compare it to other environments in their life. One might believe that this is how life is and that there is no such thing as a ‘functional environment’ or that it’s not possible for them.HistoryWe all have our own history, some parts that are likely to bring us feelings of happiness and other parts that might cause feelings of anger or resentment. This is history that won’t just disappear; it has to be faced in some way. That could be by directly facing something or by the assistance of a therapist for example.Pulled To Our PastWe will naturally be drawn into environments that are mind unconsciously associates as being what is safe to us. These environments won’t always be places that empower or honour who we are. They will be environments that mirror the behaviours, feelings and thoughts of our childhood.AssociationsThis is because of the nature of the mind and how it gets attached and creates attachments. What was experienced as a child becomes what is familiar and safe to the ego mind; regardless of if it is functional or not. If these associations are functional and beneficial, then what will subsequently happen is one will usually end up in environments that are at least moderately healthy and functional.Unhealthy AssociationsHowever if these are associations that are not so healthy or functional; one is likely to find that they are ending up in the same environments. Environments that are disempowering and don’t reflect what they consciously want or what their heart calls for. Where their energy is being taken and no energy is being returned.The Childhood EnvironmentAbove I have mentioned about our later environments mirroring the behaviours feelings and thoughts of our childhood environment if they have not been processed.

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Common themes of those years will continue to appear and play out in our present day environments. These might be themes that our unique to us; challenges that just seem to appear over and over again.A Recent StudyI recently read about a group of rat pups that were genetically predisposed to be more fearful than other strains of rats. If these rats were left with their biological mothers, they were likely to be fearful and stressed. However after placing these rat pups with other rat mothers that were not fearful; they grew up without fear.The Power Of The EnvironmentNow these might be rats that were talking about here, but what this shows is the power of the environment in shaping how we see ourselves and in who we become.There is always talk of nature vs. nurture and on the effect genetics have on life, however through the study of epigenetic’s genes have been found to require a trigger to be activated and that trigger is the environment. It is the environment that is making the difference.Choosing Our EnvironmentsChoosing our environments and therefore the people we have in our life and spend our time with is incredibly important to our own wellbeing and in achieving our dreams.The natural tendency of our mind will be to return to what feels comfortable and to what is familiar.Who We AreWhat happened in or childhood or what has happened in our past doesn’t have to define our life or who we are. That is something we can do in each moment of our life.

Energy Explained Simply

October 7, 2016

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).

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[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.

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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.

How to Choose the Right Accounting Audit Software for Your Business

September 29, 2016

Audit professional should take his time and review available software solutions solutions on the market. Comparison, research helps, but I what I would suggest is checking testimonial section of each software provider homepages. Check if there are big companies listed among clients, what sort of services they provide. That helps to understand if solution you are willing to buy is worth it.Another great strategy is before you decide what tools to buy, or should you purchase new version of your current software, go to LinkedIn. Yes it is professional social community, where business representatives communicate with each other, share their thoughts, opinions and ideas. But, have you heard how powerful are GROUPS there. Probably not, people are not usually sharing that. In Linked in groups you can find excellent professionals that may really help you with advice or feedback regarding software you are interested in or searching for. Simply find a group for accountants, auditors or network administrators and Post a question about what tools people are using or ask to give you a feedback on any specific audit software product. I bet, in the next 3 hours, you will receive the most professional recommendations that will help you to save your budget and decide the most functional software tools.

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Another great way to get professional advice and recommendation is CPA forums. You probably heard about these communities, simply Google it and you ll find a lot of them in the first 10 search results. Usually they all have threads regarding audit software. Post a new thread asking for advice or follow the discussion. Usually these communities are small, but you will not find beginners there, it’s highly professional audience that is ready to help.

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By following these simple rules you will not waste money and time on useless audit software that don’t have enough functionality to keep your work efficient.

India Debt Collection Business

October 31, 2016

Until the emergence of debt collection business, debt collection in India, was never treated as a specialized job and was always treated as one of the jobs that legal departments of the banks and financial institutions were required to undertake. A typical legal department of an organization would approach the collection job strictly as a legal issue rather than as a revenue collection measure. Litigation would be the only tool used for recoveries and no other tool was either known or used by the industry. Litigation as a recovery measure always had its own limitations due to long and winding court procedures the Indian legal system is always criticized for. On the other hand, foreign banking firms introduced the concept of specialized debt collection services. Debt collection services became one of the many services that began to be outsourced to specialized agencies. The collection business had a very humble beginning and it barely qualified as a specialized service.However over a period of time with the emergence of India as a global outsourcing destination the domestic businesses also adopted the outsourcing as an efficient business tool. With the result today, the third-party debt collection industry plays an important role in the Indian economy. The industry employs hundreds of thousands of Indians as collection professionals, who are servicing several industries ranging from banks, to telecom service providers to insurance companies. Typically, only small recoveries arising from periodic billing defaults by the customers are outsourced to the collection agencies. Not only the collection business has become a direct source of employment to thousands but its contribution to the economy is more pronounced because it helps infuse money back in the economy that otherwise would have remained uncollected. The economic benefits of third-party debt collection are significant. Citibank is the pioneer in introducing third party collection techniques in India.The debt collection industry in India also has grown sharply this year as higher borrowing costs; rising inflation and the general slowdown in the economy force more companies and individuals into difficulties. Underlying debt has gone through the roof and lenders and organizations increasingly want to move any bad debt off their books. Whether it is a high street bank, a credit card lender or a mobile phone company, growing numbers are turning to professional debt collectors in a more difficult environment.The debt collection industry in India is growing at a faster pace and is surely poised for growth. The credit card outstanding have shot up by a whopping 87% at USD 6114 Million during this year, from USD 2844 Million in the period year ago. The Reserve Bank of India (RBI) which regulates the banking industry in the country encourages banks to shift bad loans off their books more quickly because they will be required to hold more capital against risky assets that may default.COLLECTION INDUSTRY – UNREGULATED SCENARIOThe collection business has its own inherent shortcomings due to unregulated and primitive nature of this business in this country. The persons employed in the industry are untrained both in soft skills and legal skills. Being unregulated, the procedures are not standardized and there are no industry specific checks and balances. Still litigation is used as the last resort tool for recoveries. However the industry has been accused of manipulating the legal system to their advantage by using courts as their agents of recovery. It is seen that big corporations with large volumes of recoveries have unwritten understanding with the local courts at the lowest level. With the patronage of minuscule minority of pliable judges simple civil defaults are registered as criminal cases thus pressurizing the debtors into paying the dues. Slow and long civil recovery court process has no takers in this age of instant results where revenue targets are the most sacrosanct. Under such strict and cut throat environment, there is pressure on the banks to keep their account books healthy therefore such aggressive and extra-legal methods are employed for quick recoveries.

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GOVERNMENT / RBI INTERVENTIONDebt collectors in the past had a lot of leeway and it wasn’t uncommon for collectors to embarrass, harass or humiliate debtors by adopting extra-legal measures. In the absence of any regulatory regime the courts had to step in by laying down guidelines for the industry to follow. After the intervention of judiciary, the RBI woke up to the need of regulating the unruly collection agencies and laid down its own guidelines for the banking industry to follow.The guidelines prescribed by RBI are enforced against the banks that have contractually employed collection agencies. The banks in turn via their contracts with the collection agencies ensure that the RBI guidelines are followed. Now, under the RBI guidelines it is illegal to threaten violence or cause harm to debtor, use obscene language, or repeatedly use the phone to harass debtors. In addition, collection agents cannot seize or garnish a consumer’s property or wages without recourse to court procedure.The following are few of the core underpinnings of the collection process. These are the norms formalized by the top bank in India – RBI.1. DSAs/DMAs/Recovery agents to get minimum 100 hours of training.2. Recovery agents should call borrowers only from telephone numbers notified to the borrower.3. Each bank should have a mechanism whereby borrowers’ grievances with regard to the recovery process can be addressed.4. Banks are advised to ensure that contracts with recovery agents do not
induce adoption of uncivilized, unlawful and questionable behavior or recovery process.5. Banks are required to strictly abide by the codes pertaining to collection of dues.RBI in the draft guidelines issued for banks engaging recovery agents, has asked banks to inform borrowers the details of recovery agents engaged for the purpose while forwarding default cases to the recovery agents.The Reserve Bank of India has also considered imposing a temporary ban (or even a permanent ban in case of persistent abusive practices) for engaging recovery agents on those banks where penalties have been imposed by a High Court/Supreme Court or against its directors/officers with regard to the abusive practices followed by their recovery agents. An operational circular in this regard has been issued in November 15, 2007.Other LawsStill the non banking debts collection business is outside the purview of any regulator. There are no licenses or registrations to be obtained from any regulator to pursue collection business in India. The extant guidelines applicable to banking industry are found inadequate as they address only the problem of debtors’ harassment and the guidelines do not regulate the industry as such. The Government is well aware of the need of having a specialized legal mechanism for recovery of institutional debts which has become a huge problem for the entire banking industry.Every bank is grappling with the non-paying accounts, known as Non Performing Accounts (NPA) in the Indian banking parlance. The problem has taken enormous proportion and threatened the economy. Creation of Debt Recovery Tribunals in the year 1993 was a step in the direction of facilitating fast recoveries by the banks . The intention behind creation of such Tribunal was to ensure that banking industry was provided with its own recovery mechanism that was part of the legal system but at the same time exclusive to the banking industry. Bank debts above USD 22,727 could be recovered through the Tribunals.However, over a period of time it was realized that this new mechanism did not yield the desired result since the recoveries were still slow and due to shear volume of work, the Tribunal became like any other court. The whole objective of having a fast track and efficient recovery mechanism was therefore defeated. Bank debts still remained a major problem to be solved since it affected the entire economy of the country. The Government felt the need of having a mechanism that was minimally dependent on the courts for effecting recoveries since the legal system could not be reformed overnight. Therefore instead of reforming the court procedure the government did some clever thinking and came up with a legislation that minimized the intervention of court and empowered the banks with special powers using which the recoveries could be affected.The government thus came up with a new law Scrutinization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) where under the banks are allowed to liquidate security given by the borrower for recovery of their dues. This law also paved the way for creation of asset reconstruction companies that take over the security interest of the debtors. These agencies are thus another form of debt collection agencies that have been institutionalized.The need to share credit information among the banking industry was also felt in order for the industry to benefit from each other. Thus Credit Information Companies (Regulation) Act was enacted in the year 2005.INDIAN LEGAL SYSTEM AND COLLECTION PROCESSESThe Indian legal system is absolutely fair and assures justice to the party involved. There are remedies available under the law to collect the debt, if the debtor does not agree to pay under normal circumstances. The creditor may file a suit for his recovery. Debts based on written contracts could be recovered by following fast track procedure. If the debtor is a company, creditor / his lawyers may apply in the ‘Company Court’ for winding up of the company due to non-payment of substantial amount of debt. Summary trial is another way. The process may take time-1 to 2 years. Evidences are recorded appropriately and produced in the court of law, whenever required. There is also the arrangement of appeal to be filed at later stage.
US OUTSOURCING SCENARIOIndia has attracted many technology jobs in recent years from Western nations, particularly the United States. Now, it is on its way to becoming a hub in another offshore outsourcing area – debt collection. According to the industry report, units of General Electric, Citigroup, HSBC Holdings and American Express have used their India-based staff to pursue credit card debt and mortgage payment by calling defaulters.

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US debt collection agencies are the newest to start outsourcing their work to India and are satisfied with the results produced by the polite but persistent Indian experts. After insurance claims and credit card sales, debt collection is a growing business for outsourcing companies at a time of downturn in the US economy when consumers struggle to pay for their purchases.Debt collection is a vital and growing component of US economy. There is more than $2.5 trillion in outstanding consumer debt. As a result, the third-party collection industry makes more than one billion contacts with consumers each year. Recently this year, more than $39.3 billion in debt was returned to creditors.Indians have the advantage of lower salaries and other expenses, which cut drastically costs of collecting debts. Debt collectors in India cost as little as one-quarter the price of their US and European counterparts and are often better at the job. Many such Indian firms run 24-hour services. Indian debt-collection companies comply with strict regulations on operations in the American and / or European markets.
SUMMARYIndia has a long way to go in establishing a mature collection services industry. The collection business needs to be regulated and empowered with legal powers to become an effective tool. Already, there is a realization in the country that court dependent recovery is an inefficient way of way of debt collection. Creation of Assets Reconstruction and Securitization Companies under the SARFARESI Act is a step in the right direction of recognizing debt collection as an independent and specialized business function. While some progress is made for the bank debts but still for a large volume of unrealized non bank debt there are no professionally managed and regulated third party collection service providers. Non bank debts are largely unsecured that makes it even more difficult to realize. No big corporations and business houses are interested in acting as collection agents without there being an attraction of valuable security asset. Lawyers can fill this gap by providing collection services for non bank debts. Indian law does not permit contingency fee that makes the business less lucrative. India is therefore ready to benefit from foreign experience, expertise and ideas to create an efficient debt collection industry of its own at par with global status. This need is more felt now by India due to its global ambitions wherein India must adopt globally recognized practices and models. Transnational businesses need a uniform operating system for seamless transactions. Efficient debt collection industry will only instill confidence in companies doing business with Indian companies. Collection professionals have this challenge facing them of creating an efficient system that reduces people’s dependence on court supported recoveries.

Pros and Cons of Wild Animals As Pets

October 6, 2016

Many people find the idea of having wildlife as pet as exotic and exciting. However, if you want a wild animal as a pet, you should have thorough understanding of the animal and its behavior and needs. The people who have these animals as pets are invariably trained to handle them, but even they will tell how unpredictable these animals can be. You may have read stories in the newspaper of zoo keepers being mauled by their wards.So, having wild animals as pets has become quite a sensitive and controversial issue. Some people like to highlight the pros, while others just point out the cons. However, both should be weighed equally and only then a decision should be taken to keep a wild animal as a pet.Here are some pros and cons of wildlife as pets.Sometimes, conventional pets like dogs and cats cannot be kept due to lack of space. In such circumstances, one can keep a wildlife like a hedgehog or gecko as a pet as they do not require that much space. Some wild animals have their own benefits. Like a hedgehog can be used to keep insects and others pests at bay in a house.

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Often it has been seen purchasing a wild animal can be cheaper than purchasing a pet that is popular and has a pedigree.Also, many proponents of wild animals feel that some species have a better chance of survival if they are adopted. It has been seen that the dart frog is facing a problem in the wild as its natural habitat is diminishing. Hence, if this animal is adopted, it will have a better chance of survival.However, there are sufficient cons and disadvantages of owning wild animals as pets. First of all, one has to take into consideration the welfare of the animal. Having a wildlife means giving due consideration to its diet, exercise and social interactions. Often, the animal will not have any interaction with other animals of its own species and will be left to leading a lonely and solitary life. Also, the owners will not be equipped to provide proper care to the animals as they may not be well-versed in these things. Many wild animals look cute and cuddly when they are small. However, as they reach adulthood or sexual maturity, their wild side takes over and the animal becomes aggressive. This is the time many owners abandon their pets or give them away to zoos.Wild animals are carriers of many diseases that are lethal to humans. For instance, reptiles and amphibians are carriers of salmonella infection and each year thousand of people in the US contract this disease due to their pets. Also, rats imported from Africa are known to carriers of monkey pox. An outbreak of this disease occurred in the US in 2003 when Gambian rats brought in the monkey pox into the country.

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Above all, the demand for wildlife as pet is increasing. So, many illegal traders are taking advantage of this demand. Most of the wild animals are captured and then transported in cruel and inhuman manner to reach their owners. In addition, majority of the owners do not know to take care of the animals and this causes them to fall sick or even die.So, weigh the pros and cons of having wild animals as pets before jumping to adopt one. Make sure that you are properly equipped to handle the care of the animal. Do not adopt one if you have any doubts.