Beware the Seductive Power of Technology

I Like Technology. I’m conceding all the good and fun things that computer-based technology has brought into our lives; I’ll not fight that battle. Not only would I lose any argument against the wonderful additions technology has made to our lives, I would be fighting against myself. I love it that I can flip open a Star Trek “communicator” and talk to almost anyone, anytime. I love the very idea of having a communication device out in my back yard, near the bird feeder, that is communicating with a satellite in low earth orbit. Wow! And do I ever love my computer-oops, computers. As in many computers. In fact, my job is strongly tied to technology and I love to get paid. However, this article is a warning, a plea to open our eyes wider than our big screen TVs, to step back out of cell phone range, to put down our PDAs for a minute and look at what has gotten a hold on us.Technology is SeductiveTechnology has the power to draw us in and cause us to lose perspective about what is happening. Just try talking to your child (or maybe your spouse or best friend) the next time some slick TV program or commercial is shimmering across the screen and you’ll see what has all of their attention. Technology draws us in. But if we’re drawn in, we’re also leaving something behind. We could be abandoning loving or developing relationships or the quiet time necessary to think purposefully about our lives, where we are going and how we want to live five years from now. To continue this idea, that technology is seductive, let’s look at the natural progression of how we respond to new technology.Technology as a ToyAll new technology comes to us in the guise of a toy, thus its initial seductive pull on us. No matter the age, the new technology feels like a toy. It is smooth, pretty and flashes little lights. It makes cute sounds and we respond to it from the childlike (or childish) center of our being. It is not the sophisticated 35 year old business executive that is responding to the new all-purpose, highly-evolved technology thing, it is instead the seven year old child inside that is gushing and filled with Christmas morning lust. We might not even have any way to use it yet, but we play with it. We turn channels, set the volume on the 96 surround sound speakers (yours doesn’t have 96?), take pictures of our toes with it, and enthusiastically pursue carpel tunnel problems as quickly as our thumbs and fingers can fly over fun little colored buttons. It is a toy. But it does move evolve into our next category and that makes us feel a little better about it and helps us avoid the fact that we just spent a year of future retirement on a toy.Technology as a ToolThe toy usually becomes a tool. In our strong desires to justify the purchase of the toy, we look for things it can do. Ah, it keeps my calendar. Cool! Now I won’t have to keep track of my $29.00 day planner and worry about losing it. I just need to worry about losing my $495 PDA. But it can also take pictures. That’s important. It’s also good that it can erase them because I find I take a lot of pictures that are really crap and now I not only spent time taking the pictures, I also get to spend time erasing them. But the toys often turn into very serious tools. I may continue to use my cell phone toy as I unconsciously blow through red lights and make turns without signaling (need that spare arm for the cell), but I also realize this toy is a serious safety tool. I don’t want to be broken down on the highway and not have this link to help. The same 50″ flat screen wall hanging that is a toy is also a tool to be aware of threatening weather and important current events. And the notebook computer that empowers me to look at pictures of potential Russian brides helps me write this article and project investment returns. Toys have the potential of becoming tools. From puppies to working dogs. But there is a third and more dangerous level.Technology as a TyrantDictionary.com offers one definition of a tyrant as, “a tyrannical or compulsory influence.” Wow! Think cellphone, e-mail, Skype, compulsive checking of forums, chat rooms, YouTube, Facebook, Twitter, and all the other current flavors of Turkish delight known as technology. These things can be toys (relatively harmless except for what they might be replacing), they can be tools, or they can become tyrants. When deeply engrained into our work or social structure, they change from being puppies or work dogs and become pit bulls that can bite and clamp down so that it is very difficult to dislodge them. I used to be able to keep up with the demands of my job. Once upon a time I actually had a little time that I could budget weekly that was “walk around and get to know everyone better” time. No more. Now I am constantly juggling attention among appointments, drop-in unannounced visitors, snail mail, phone calls with the pink reminders, cell phone calls, and e-mail. I can never get one caught up without intrusions from all of the others. The first four were barely manageable, with cell and e-mail added, I’m no longer in control, the pit bull is. So, what happened?How Did We Get Like This?Okay. Here is the crux of this article. Technology is on a different evolutionary rate than us humans. It reproduces faster than mice and changes species with each generation. We were enticed, and continue to be enticed, by technology due to its seductive dark side. It beckons to the seven year old inside and draws us in. As a tool, technology is embraced and embedded into our lives, seemingly as a partner, one called alongside of us to help us. But, without an understanding of the evolutionary path of technology, we do not control its place in our lives. It becomes a tyrant that bullies us and pulls us around on its lease instead of the other way around. Because of the initial seductive nature of technology, we don’t easily see that it will tend to take us to where we don’t want to go and make us pay more than we first thought we were willing to pay. So, what shall we then do?What We Must DoI’m not offering a plan but an approach. The approach depends upon fully understanding what has gotten a grip on us. I suggest the following critical pieces for beginning to manage technology and protect our humanity:
Clearly see that technology is seductive and separate out and control the childish reactions to the initial toy aspects of new technology. Gratification can be delayed (an adult response) and toys can be both played with and put away.
Think through both intended and unintended consequences of bringing a shiny, new technology toy into your life. What is it replacing? How will you control it so it doesn’t put you on a leash?
Do not assume that a new technology tool is better than an older one that worked well for you in the past. I have a colleague who keeps in a pocket a little list of things to do, thoughts, and insights. His pen and paper list worked a lot better than my PDA when when my technology tool lost both primary and backup batteries and I lost passwords to multiple accounts and forums. Which is better?
Many new technology tools cannot be avoided. However, they can be managed. Think of ways to limit their use and how to communicate your policies for your use to your colleagues, family, and friends. For example, I check my email once a day and make it clear to my colleagues that I am not sitting at my computer all day waiting for the chime (evidently, they are).
Finally, pay attention to the things that technology tends to replace and redouble your effort to work on relationships so you have no regrets.
To rewrite a common adage, no one’s last words are likely to be, “I wish I had purchased the 60″ HD instead of the 54″.

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Advantages of SEO Training Courses

As an online business it is extremely important to understand search engine optimization as ultimately this is what will drive traffic to your website. Like footfall in a traditional bricks and mortar store if you don’t get them in the door they will never buy anything. Likewise, if you cannot get traffic to your website you will not have anyone to convert into a sale. SEO is essentially the way of building your company’s ranking in search engines and therefore getting footfall into your store, albeit online. There are many SEO companies out there which offer a variety of SEO services. However, it is also important for a company itself to understand the importance of SEO. One way to increase your understanding of SEO is to attend one of the many SEO training courses which are available. They have a number of advantages such as:1. Understanding the BasicsSEO training courses will help you to understand the basics of good SEO such as choosing the right keywords for your industry, how to measure SEO results, understanding the importance of link-building within your website and also the importance of well written, SEO optimized and unique content on your website.2. Learn SEO techniquesThese courses also assist with familiarization with the variety of optimization techniques and online marketing tools. SEO is an industry with a large number of acronyms and industry specific jargon. Training courses will help you to understand the jargon and therefore develop your own company’s SEO campaign. Even if you choose to outsource your SEO needs to an SEO service provider it is still beneficial to understand the jargon so that you can choose the best SEO provider for your needs and not be blindsided by unnecessary jargon.3. Cost-EffectiveCompanies offering SEO services can be expensive and this can be a struggle for smaller companies who are yet to have made their mark on online sales. Also in the current economic times companies are often looking for ways to reduce unnecessary costs. By developing a company’s internal understanding of SEO it can reduce the costs associated with outsourcing for your SEO needs. SEO is simply not an area that a company can ignore and therefore finding a more cost-effective way to deal with your SEO needs is important.Types of Training CoursesThere are two main types of SEO training courses. Static training courses teach the basics and tend to be more online. Dynamic courses on the other hand tend to be more hands-on and are a good idea if you intend to carry out all of your company’s SEO internally. SEO itself is a dynamic field and it is important to move with any changing trends in order to be successful.The online sales industry is growing and there is money to be made for your company; however, having a website alone will never optimize your business. Taking advantage of the availability of SEO training courses will assist you in making your website stand out and ultimately become more profitable.

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Are You New to Buying a RIB or Buying RIB Insurance?

Thinking of buying a Rigid Inflatable Boat (RIB)? Well assuming it’s for private and pleasure (P&P) use (commercial use will be dealt with in a separate article) here’s a guide to some of the insurance issues you may encounter as well as some of the benefits you might get as part of your cover.Use an Insurance Broker!I’m going to say specialist insurance broker rather than a quotation sourced direct from an insurer. I will declare an interest here in that I actually am a specialist broker. There are advantages:A specialist broker can do your shopping for you because they will have access to multiple markets and therefore make a recommendation as to which one best fits your needs.A specialist broker should also be able to help you if a claim happens. Understanding and liaising with your insurers regarding liability and/or settlement value. They may also have access to a wide range of approved boat builders, dealers and repairers that will help you get your RIB back in use with minimum disruption to your pleasure in using your RIB.This is in contrast to going direct to an insurance company which means you will just receive information based on their product. It also means you will have to make time consuming multiple telephone calls find out what is available so to decide what is best for you. That’s OK if you have time, but time is money!What Value is the RIB insured for – Purchase Price or Agreed Value?You need to understand the basis on which your RIB is covered. It is common for insurers to cover the RIB and its equipment for the purchase price. However, cover can also be on “agreed value”. If you are unsure which yours is check your insurer’s policy wording. Some may state that they will pay the value stated in in the Schedule of Cover (this will be “agreed value”) and others will state they will only pay up to that value (i.e. the purchase price less any depreciation). If your RIB is a total loss the difference in the policy wording could have a significant effect on the amount of your claim is settled for.As you will expect, the more you pay for your RIB, the more your insurance cover is likely to cost. Insurers rate your policy on the value of your hull, machinery, trailer and any special equipment you might have. The rate applied will usually decrease as the insured value slides up, so the cost to cover a RIB at £50,000 would usually be proportionately cheaper to cover than one valued at under £10,000.
Here are some of the other factors that will affect your overall annual premium for your RIB insurance:Where are you keeping your RIB?Location can matter. Certain parts of the UK that are considered prone to extreme weather and it will cost more to insure there. Additionally, your choice of mooring can have an effect too – chances are you could be relatively free from a moorings loading if you are on a pontoon in a marina but a swing mooring will often result in your cover costing you more. Also it is worth mentioning that, if your RIB is permanently moored in Continental Europe it will be rated differently than if UK based.How Fast Can Your RIB Go?There’s no doubt that the last few years have seen an increase in performance of RIBs being used for P&P and the maximum speed of your craft will be a factor on your premium and the availability of cover.Generally, up to 35 Knots is within the appetite of insurers. Above 35 Knots things start to change, with premium increased but most RIB insurers are comfortable offering cover up to 55 Knots. Above 55 Knots many insurers are uncomfortable meaning that they won’t provide cover or there is a sharp rise in premium rates for these RIB’s.What is your experience on RIB’s?Some insurers will allow a small premium discount if you are an experienced skipper. By experienced this is usually taken to mean more than 5 years with RIB’s. If you have less than 5 years’ experience then be prepared to have your premium loaded – over 2 years’ experience but under 5 would typically attract a load of 5% to the basic premium. Under 2 years and it could start to get painful; under 1 and you start to find insurers who will not even offer a quotation and others who will – but with a significant premium increase.You’re Qualifications?The Royal Yachting Association (RYA) has recognised training centres worldwide. If you invest in getting appropriate RYA qualifications – such as Powerboat Levels 1&2 – there may be a premium discount.No Claims have occurred?Typically, insurers will allow a 5% discount per year up to a maximum of 5 if you have held boat insurance and made no claims but it is possible to find insurers offering larger discounts in certain circumstances.Covering Personal Possessions & AccessoriesTrailers, inflatables and other accessories used with your RIB can be added to your schedule of cover – there will usually be an additional premium charged. Check your policy documentation for terms and conditions relating to use, security and storage of these items.In return for a further additional premium your insurers may allow you to add cover for personal possessions against loss of damage whilst on board your RIB. Before opting for this extension, however, it is worth checking exactly what is and isn’t covered as some policy wordings will detail a lengthy list of excluded property, including (but not limited to) passports, money, credit cards, travel tickets, jewellery, watches keys, mobile phones and laptops. You might also be able to obtain a better premium rate and scope of cover for this type of property as an “All Risks” extension to your home contents insurance policy.European Vacation?Many providers will include up to 30-days European use (including road transit) as a free extension so you can hook up your trailer and have fun – don’t forget to check your certificate and/or schedule to make sure this cover is in place before you go.Here’s a tip: If you are going overseas ask your insurer to provide you with a certificate in the language of the country where you will be using your RIB – it may save you a lot of hassle with the local authorities if you can present a certificate of cover that the local authorities don’t have to get translated.Transiting Your RIBCover for road transit of your RIB can be included on your policy – sometimes this is a freebie but some insurers will levy an additional premium for transit cover – don’t forget to ask your broker if your transit cover is free or if they are charging for the extension.Marine Third Party LiabilityYour RIB’s Marine Third Party Liability Insurance covers your legal liabilities arising from the use of your RIB as agreed by your insurers. It will cover injury to passengers and other third parties as well as damage to third party property.This cover often comes as a free extension to your RIB’s Hull & Machinery Insurance but some providers will levy a separate premium for your Liability Insurance. At time of publication the indemnity limit commonly provided by insurers is £3,000,000, though some will provide a higher limit if required (eg. a particular marina insists on a higher limit) in return for an additional premium.Depending on where your RIB is berthed, it may be a requirement for you to have Marine Third Party Liability Insurance. For example, the Environment Agency (EA) requires all vessels on their waterways to be registered and part of the registration process is to provide details of your insurance. Although you are not required to submit your documentation the EA carries out spot checks and will fine boat owners who do not have the correct level of insurance.Will You Be Water-skiing or Towing Toys?Obviously you’ll want to have fun with your RIB and if that includes water skiing or towing toys such as bananas, ringos and other inflatables you will need to have your liability insurance extended to include this activity.Policies are commonly endorsed with the permitted number of toys or skiers that can be towed at any one time and may have additional conditions applied such as having somebody on board to act as a look-out or observer in addition to the helmsman.Some Small Print to Look For:High Speed ClausesIf the maximum speed of your RIB is in excess of 17 Knots then your insurers are likely to apply some additional terms and conditions to your cover.Commonly defined as a “High Speed Clause” you are likely to find an endorsement on your schedule or certificate of cover that excludes cover that your policy usually provides to vessels with a design speed up to 17 Knots.Each insurer will have a slightly different wording so it is worth studying this exclusion if it is likely to apply to you. If in doubt, speak to a specialist broker who is familiar with the nuances of different policies and is able to make a suitable recommendation to meet your specific requirements.Outboard LocksTheft of outboard engines is prevalent. Professional gangs seem to be able to operate without fear of being caught and some cases, such as where they have succeeded in removing even the largest engines from vessels in marinas, their success in escaping with tens of thousands of pounds worth of outboard has been extraordinary.Insurers will almost certainly require your outboard engines to be secured to your RIB with an anti-theft device in addition to its normal method of attachment.Wheel ClampsTheft of your vessel while left unattended at any time on a trailer will more than likely be excluded unless it is secured by a wheel clamp. Some insurers will relax this if the trailer is in a locked building or compound. Check your documentation to be absolutely sure what your insurer’s requirements are.ExcessesExcesses often vary – usually the higher the value of your RIB and outboard, the higher the excess is likely to be. In addition to the standard excess, insurers may apply higher excesses for particular types of claim. For example, claims resulting from damage to semi-submerged objects (SSOs) can be subject to higher excesses than the policy’s standard.Kill CordsAt time of writing it is not a legal requirement in the UK for P&P craft to have kill cords in use whilst the craft is underway. However, some insurers are now making the attaching of kill cords a requirement of their cover for fast craft. Again, check your wording or speak to your provider if you are not sure what your insurance obliges you to do.Nb. These examples represent only a small part of your policy’s terms and conditions. You should carefully read the whole of your policy document to ensure you are aware and fully understand all policy requirements and the scope of cover provided. If in doubt, speak to your insurance provider and obtain clarification from them.Additional Cover & Free BenefitsLegal ExpensesThis cover is usually an “add on” which attracts a charge. A Legal Expenses policy will cover your uninsured losses in the event of a non-fault claim such as your standard policy excess. It might also cover you with regard to contractual disputes and legal defence.Data TagOne insurer I work with offers a free data tag to all policy holders. This is particularly useful for RIB owners as, if your outboard should disappear overnight, it is possible for it to be located by the police and the perpetrators apprehended.Marina BenefitsWe have already discussed (in Part 1) the premium benefits you are likely to enjoy if your vessel is kept in a marina. This is due to greater security against theft as well as the marina generally being a safer haven from adverse weather conditions than other types of mooring.In addition to premium savings you can often benefit from not having your excess applied in the event of a claim arising whilst your RIB is marina berthed. Some insurers will also provide the benefit of not penalising your no-claims bonus in the event of theft or damage occurring whilst your vessel is moored in a marina.Personal Accident InsuranceThis is a useful feature and, in most cases, it usually does come as a genuine free benefit. The sums insured are relatively low (typically £5,000 or £10,000) and do not compare favourably with stand-alone personal accident policies but, nevertheless, would provide some support if an insured event were to occur.You should always seek professional advice from a properly authorised and registered insurance provider before buying insurance.

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Google Adwords Guide I

You probably have already heard about the new marketing tool from Google.com on the Internet. Their advertising service is called “Adwords” and allows you use Google.com for marketing. Your ads will be displayed on Google’s website when people initiate a search. Your ads can also be displayed very targeted among many thousand websites that partner with Google in a program called “Google AdSense”. AdWords is the Google.com version of a pay-per-click advertising model. That means users click on your ad and will be redirected to your website or a specific URL that you have selected when creating your ad campaign.What do you need to know about Adwords? AdWords is a way to spend a lot of money on advertising very very fast. BUT – AdWords is also a way to spend marketing money very selective to a targeted audience. AdWords can be very expensive for the advertiser if not properly planned and tested.When you setup a Google AdWords ad campaign, you choose certain keywords for which your ad will appear on search results on Google.com. You also specify the maximum amount of money that you are willing to pay for each click. Remember – the Google AdWords program is a PPC (Pay per Click) model and you only pay when someone actually clicks on your ad and hence visits your website.It is very important to select the right keywords for your business ad. Going with too generic keywords that everyone will not be very effective and very expensive. Play a little bit with the AdWords keyword and campaign settings just to get a feeling how expensive the generic keywords for your business and industry are. You will realize soon that you need to be creative and careful with the usage of keywords.Google recommends using different spelling variations and plural versions of your keywords to reach the best target audience. This is a good approach, as not every one of your potential new customers will search for a keyword in the same way as everyone else. Some people will use plural versions and others will use singular versions.Exact matching of keywords in Google user queries requires you to place square brackets around your selected keywords. Example: [web hosting]. Your ad will now only show when users search exactly the phrase ‘web hosting’. Your ad will not show if other words are included in the search string or the words are entered in a different order.Another keyword matching option is the phrase option. This is very similar to the exact matching of keywords in a search in the sense that the keywords must all be present and in the right order. However your ad will still show up in search results even if other words are present in the search. To make use of phrase matching you must include your keywords in quotes. Example: “web hosting”.Negative matching is the final option available for your AdWords advertisement. This option allows you to block your ad being shown if a certain word is present in the search query of the Google user. This allows you to reduce the number of possible clicks on your ad in non-relevant searches and therefore to keep your cost low. It also helps you to make sure that your ad is not shown to users who will not be interested in your products. If your keyword is ‘web hosting’ but your web hosting is based on the Linux operating system and not based on a Windows Operating System then by using negative matching you can choose to have your ad not shown for search queries with ‘windows web hosting’. In this case ‘windows’ would be your negative keyword. You simply place a dash in front of your negative keyword to use this option. Example: -windowsUsing the here described ways of selecting keywords will help you to be more successful with Google Adwords. Google also allows you be very specific for which geographic area your ads will be displayed. You go from global to country and even state or city specific settings. Especially local businesses now will have it much easier to use Google AdWords for their specific local markets.Well, you got the idea how to be very specific how you select your keywords and combinations of keywords. But how do you actually select the right keywords? In order to get the most out of Adwords, you must have a list of great keyword and phrases. If your keyword list is not good enough, you will be punished with paying too much for your advertising. Write down the top search terms that you can think of. Ask friends and family how they would use Google to find your product (without searching for the business name itself).A competitor of Google actually offers a free tool, which will allow you to find out how popular the keywords are that you selected. Find this free tool here and use it for your advantage:http://inventory.overture.com/d/searchinventory/suggestion/Create a list of the most popular keywords. Now add words to the actual keywords. Use words that would describe your specific product or service. Now use these phrases or word combinations when setting up a Google AdWords campaign to find out how much you would have to pay per click to get your ad onto the first page on a Google search.If the keywords selected by you are very expensive to use you should consider rewording or using different combinations. Maybe concentrate on a certain niche to find lower priced keyword options.When testing new campaigns make sure that you limit your exposure by amount of money you want to spend per day as well as you should set a date / time limit. It’s easier to activate a campaign again if it works just fine for you. If you fail to set limits you might spend lots of money in a very short time – money you can’t get back. It is gone ….Another way to save money on your AdWords advertising campaign is to wait for the end of the month. It’s funny, but many folks follow a plain rule to start their advertising in the beginning of the month. By the time the 25th of a month is there they have spend most of their money on their campaigns already. For you this means that the prices for many popular keywords might be more affordable for you.If you are advertising specific products with your ads, link to the specific product page and not to your homepage. 95% of the people who click through to your website will not really be willing to start another search on your website to find the product mentioned in your ad.ConclusionFrequently revisit your campaigns and compare prices and results. The Internet is a fast changing environment. What works one day, might not necessarily work the next day. Keep track of everything – maybe create a spreadsheet.This article can be published by anyone as long as a live back link to http://www.webhostingresourcekit.com is provided. (this note can be removed as long as a link from the author’s resource box is provided)

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Beware the Seductive Power of Technology

I Like Technology. I’m conceding all the good and fun things that computer-based technology has brought into our lives; I’ll not fight that battle. Not only would I lose any argument against the wonderful additions technology has made to our lives, I would be fighting against myself. I love it that I can flip open a Star Trek “communicator” and talk to almost anyone, anytime. I love the very idea of having a communication device out in my back yard, near the bird feeder, that is communicating with a satellite in low earth orbit. Wow! And do I ever love my computer-oops, computers. As in many computers. In fact, my job is strongly tied to technology and I love to get paid. However, this article is a warning, a plea to open our eyes wider than our big screen TVs, to step back out of cell phone range, to put down our PDAs for a minute and look at what has gotten a hold on us.Technology is SeductiveTechnology has the power to draw us in and cause us to lose perspective about what is happening. Just try talking to your child (or maybe your spouse or best friend) the next time some slick TV program or commercial is shimmering across the screen and you’ll see what has all of their attention. Technology draws us in. But if we’re drawn in, we’re also leaving something behind. We could be abandoning loving or developing relationships or the quiet time necessary to think purposefully about our lives, where we are going and how we want to live five years from now. To continue this idea, that technology is seductive, let’s look at the natural progression of how we respond to new technology.Technology as a ToyAll new technology comes to us in the guise of a toy, thus its initial seductive pull on us. No matter the age, the new technology feels like a toy. It is smooth, pretty and flashes little lights. It makes cute sounds and we respond to it from the childlike (or childish) center of our being. It is not the sophisticated 35 year old business executive that is responding to the new all-purpose, highly-evolved technology thing, it is instead the seven year old child inside that is gushing and filled with Christmas morning lust. We might not even have any way to use it yet, but we play with it. We turn channels, set the volume on the 96 surround sound speakers (yours doesn’t have 96?), take pictures of our toes with it, and enthusiastically pursue carpel tunnel problems as quickly as our thumbs and fingers can fly over fun little colored buttons. It is a toy. But it does move evolve into our next category and that makes us feel a little better about it and helps us avoid the fact that we just spent a year of future retirement on a toy.Technology as a ToolThe toy usually becomes a tool. In our strong desires to justify the purchase of the toy, we look for things it can do. Ah, it keeps my calendar. Cool! Now I won’t have to keep track of my $29.00 day planner and worry about losing it. I just need to worry about losing my $495 PDA. But it can also take pictures. That’s important. It’s also good that it can erase them because I find I take a lot of pictures that are really crap and now I not only spent time taking the pictures, I also get to spend time erasing them. But the toys often turn into very serious tools. I may continue to use my cell phone toy as I unconsciously blow through red lights and make turns without signaling (need that spare arm for the cell), but I also realize this toy is a serious safety tool. I don’t want to be broken down on the highway and not have this link to help. The same 50″ flat screen wall hanging that is a toy is also a tool to be aware of threatening weather and important current events. And the notebook computer that empowers me to look at pictures of potential Russian brides helps me write this article and project investment returns. Toys have the potential of becoming tools. From puppies to working dogs. But there is a third and more dangerous level.Technology as a TyrantDictionary.com offers one definition of a tyrant as, “a tyrannical or compulsory influence.” Wow! Think cellphone, e-mail, Skype, compulsive checking of forums, chat rooms, YouTube, Facebook, Twitter, and all the other current flavors of Turkish delight known as technology. These things can be toys (relatively harmless except for what they might be replacing), they can be tools, or they can become tyrants. When deeply engrained into our work or social structure, they change from being puppies or work dogs and become pit bulls that can bite and clamp down so that it is very difficult to dislodge them. I used to be able to keep up with the demands of my job. Once upon a time I actually had a little time that I could budget weekly that was “walk around and get to know everyone better” time. No more. Now I am constantly juggling attention among appointments, drop-in unannounced visitors, snail mail, phone calls with the pink reminders, cell phone calls, and e-mail. I can never get one caught up without intrusions from all of the others. The first four were barely manageable, with cell and e-mail added, I’m no longer in control, the pit bull is. So, what happened?How Did We Get Like This?Okay. Here is the crux of this article. Technology is on a different evolutionary rate than us humans. It reproduces faster than mice and changes species with each generation. We were enticed, and continue to be enticed, by technology due to its seductive dark side. It beckons to the seven year old inside and draws us in. As a tool, technology is embraced and embedded into our lives, seemingly as a partner, one called alongside of us to help us. But, without an understanding of the evolutionary path of technology, we do not control its place in our lives. It becomes a tyrant that bullies us and pulls us around on its lease instead of the other way around. Because of the initial seductive nature of technology, we don’t easily see that it will tend to take us to where we don’t want to go and make us pay more than we first thought we were willing to pay. So, what shall we then do?What We Must DoI’m not offering a plan but an approach. The approach depends upon fully understanding what has gotten a grip on us. I suggest the following critical pieces for beginning to manage technology and protect our humanity:
Clearly see that technology is seductive and separate out and control the childish reactions to the initial toy aspects of new technology. Gratification can be delayed (an adult response) and toys can be both played with and put away.
Think through both intended and unintended consequences of bringing a shiny, new technology toy into your life. What is it replacing? How will you control it so it doesn’t put you on a leash?
Do not assume that a new technology tool is better than an older one that worked well for you in the past. I have a colleague who keeps in a pocket a little list of things to do, thoughts, and insights. His pen and paper list worked a lot better than my PDA when when my technology tool lost both primary and backup batteries and I lost passwords to multiple accounts and forums. Which is better?
Many new technology tools cannot be avoided. However, they can be managed. Think of ways to limit their use and how to communicate your policies for your use to your colleagues, family, and friends. For example, I check my email once a day and make it clear to my colleagues that I am not sitting at my computer all day waiting for the chime (evidently, they are).
Finally, pay attention to the things that technology tends to replace and redouble your effort to work on relationships so you have no regrets.
To rewrite a common adage, no one’s last words are likely to be, “I wish I had purchased the 60″ HD instead of the 54″.

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How To Raise Finance For Your Property Investment

Raising FinanceThere are many ways of investing in property, even if you don’t have any money. Lease options and Rent to Rent are two very popular strategies. You can create a lot of cash flow by packaging and sourcing deals for other investors for a fee. However, it doesn’t mean that if you don’t have money, you can’t invest in multi-million pound projects such as developments, commercial conversions or normal BTL properties worth a lot of money.There are people out there who are waiting with their cash to invest in your deals instead of having their money in their bank where they’re unlikely to get much return. Money loses value every single day and after paying taxes, they may just break even or make a loss. That is why they look for new opportunities. Some of those people are cash rich and time poor, meaning they don’t have the time to find deals. These investors are looking for people like you to find and negotiate deals so they can finance it and share a profit with you. You need to start hanging around with these sorts of people; tell them what you do and build a relationship with them at the networking events, exchange business cards and after the event follow up with everyone the next day via email. You can say things like: “Hi Mr Smith, it was a pleasure to meet you at the property networking event yesterday. It would be great to meet up with you to discuss further business opportunities. Please let me know when you’d be free to meet up.” Or you can say things like “There is no free lunch, but there is when I am in town.” It all depends on who you deal with. This is just a simple example. If you are good at writing emails you can develop it, but try to keep it short and to the point. Remember: dress to impress; you can never get a second chance at a first impression. Who you hang around with is who you become and your network is your net worth. If you told us how much five of your friends made annually we could predict your salary.We will name a few places and products where you can raise money for your property investments. Even if you have a lot of money and you start investing, you will eventually run out of money one day. That is why it’s very important to raise finances and use other people’s money instead of your own. All successful people do the same – they don’t use their own money.Joint Venture (JV) This is a very good way of building your property portfolio quickly with minimal risk and no capital required. JV partners could be people who you meet at networking events. Some have a lot of time and will bring you good deals, whereas others are very busy but have a lot of cash to invest. If you are working with private investors they will have business experience that can help you. This will be very beneficial when analysing deals, legal issues, profit and loss etc. It is much easier and quicker to build a property business with partners than by yourself. Before entering in any JV agreement, make sure you do your due diligence on the person you are dealing with and consult with your solicitor. JVing with other people has positives and negatives so you need to analyse it before you enter such an agreement.For a joint venture to work, you need to choose the right partners; each partner needs to bring something different to the partnership. It’s important to have clear documents that outline how the partnership will work so you know who is responsible for what. You need to be honest and open with each other.I (Damian) experienced bad partnerships many times and lost a lot of money in business but it wasn’t their fault – it was mine. You need to take responsibility for yourself. If I had done enough due diligence on the people I was partnering with I would never have gone ahead with the deal. But I am happy that it happened as it was a good lesson and I will never make the same mistake again. It takes time to find good partners and you might be lucky and find a good one in the first place. Remember there is a golden rule in business: trust but verify! I have done many good deals with my current business partners and it would never have happened if I didn’t go to networking events. Shane and I travelled all the way from London to Florida just to network and meet new people who we can do business with. That is called sacrifice; we do whatever it takes. Do today what others don’t, to have a tomorrow that others won’t.You can also JV with your friends and family; you provide the deal and knowledge whilst they bring the money required. Once the work is done, you share the profit 50/50. There are many different ways of structuring JV deals. For example, there might be people who are not interested in monthly income but investing money for capital appreciation. So instead of sharing the profit 50/50, you take the cash flow every month and they take the equity. The amount the house appreciates in value will benefit your JV partner, but make sure you have an exit strategy in place so you don’t have situations where they want to sell the property but you want to keep it.Remember that 50% of the deal financed by a JV partner is better than 100% of nothing.Crowd FundingCrowd funding is getting more and more popular. There are a lot people with a good business plan and models but with limited finances. Raising money from banks is difficult and bridging is expensive. Many investors look for opportunities where they invest their money for a share in a company or project in return. It is very common in this day and age to start big developing projects where there are few investors that fund the project together to build apartments, and once it is sold they share a profit equivalent to the proportion of the money invested. In some crowd funding projects, anyone can invest money and get, for example, a 10% return on their investment. Quite often there are hundreds of people investing in one project. This is an extremely powerful strategy and it’s now even used to raise money for start-up businesses and movies.Credit Cards, Loans and OverdraftsWhen we started our property journey we had no money and a lot of debt. Our favourite source of investment at the time was credit cards and overdrafts as we didn’t know many people who we could raise the money from. Most of our credit cards were maxed out, so we had to increase our credit limits. Our first property investments came from none of our own money! When you have no money you must start thinking outside the box as you have little choice. These tips came from our mentors, they showed us how to do it and what to say when talking to the banks as this is very important. If you tell your bank that you need money to invest in property then you can forget about them agreeing.From being broke, we both achieved financial freedom in just one year of investing in property. It all came from knowledge that we acquired from our mentors, books and creativity, so we managed to crush the myth that you need money in order to make money! If you want to master the property game, you need to have the knowledge to be creative. That is how winning is done. Most of the multi-millionaires and billionaires are self-made; they started from zero or debt, so anything is possible. You just have to believe it, set up a plan on what you want to achieve and how you are going to get there; for your dreams to come true you first have to wake up! You can have anything you want in life, you just have to be hungry and believe that you can have it.Sylvester Stallone (Rocky Balboa) is a great example of a self-made millionaire. He started from humble beginnings – he was evicted from his apartment and was homeless for a while. In March 1975 Stallone saw Muhammad Ali fighting against Chuck Wepner. After that fight, he went home and started writing a script, taking inspiration from both the fight and the autobiography of Rocky Graziano to start writing Rocky Balboa. Stallone attempted to sell his script to multiple studios with the intention of playing the main role in the movie. Although receiving enormous amounts of rejections, which went on for several months, he never gave up. He was finally offered $350,000 just for the rights to the script without him playing in the movie. He refused to sell it unless he could play the main character, so after a substantial budget cut to compromise the producers agreed to have him as a star, and the rest is history. He could have just taken the $350,000 which for him at that time was a lot of money, but if he did he wouldn’t be where he is today. That shows determination. There was a time in his life where he had to sell his dog for $50 because he didn’t have any money to feed him; after his success with the Rocky Balboa script, he bought his dog back for $15,000.Angel InvestorsThere are a lot of places to go where angel investors spend their time. All you need to do is search on the internet for the closest one to your area. Millionaires and billionaires come to these places and look for people with great ideas for a new business where they can invest their money for a share in the company in return. More importantly, not only will they invest, but they will also give you all the support you need, which is priceless. They usually have their own power team that has expert knowledge in marketing, branding and selling. Of course, you must know everything about the business and have a great pitch that will attract the investors to persuade them to invest in your company or project.You need to make sure you know your numbers; know everything about your competition, if there is any, and have a great unique selling proposition (USP). Having a mentor that has already achieved what you want to achieve is precious! I (Damian) have invested and started many companies before property investing. I invested all the money I saved from my part-time jobs and I lost it as well as getting myself into debt. The main reason I failed in both businesses was because I didn’t know what I was doing. I had no guidance or a mentor to tell me how it needs to be done, what needs to be changed and what it is I was doing wrong.When I started property investing, I had a mentor from the beginning and that is why I succeeded and I have done it in a very short space of time. I knew exactly where I was going and I knew that I had the support if I needed it. Every successful person has a mentor; imagine a footballer in the English Premier League or an athlete without a coach. Do you think Usain Bolt, the fastest runner on the earth, would be where he is today without a coach? We have paid a lot of money for mentoring and coaching, but with angel investors you can receive investments and free mentoring for a share in your business.Family and FriendsThere are a lot of people such as friends and family that have money sitting in their bank accounts without getting much return on their savings. Believe it or not, but money goes down in value all the time; inflation kicks in and prices go up. What you could buy for £10 ten years ago you can’t buy anymore. That is why it’s very important to invest in assets that appreciate in value. If you get a good deal, you can ask your friends if they would like to get 10 % return on investment on their money. I am sure they will like the idea as in the bank it’s unlikely they’ll get more than 1%. How you give it back is flexible; once the property is refinanced or pay them interest each month. It all depends on the individual and your agreement. Once they get their money back after the first deal, this will prove you can be trusted and they are likely to lend you money again.Sell LiabilitiesWhat do we really mean by selling liabilities? A liability is something that takes money out of your pocket, e.g. if you have a car that is worth £10,000, it will go down in value every single year plus it will cost you money every single month. Car insurance needs to be paid, road tax, petrol, MOT test, car maintenance and repairs. If you sell the car for £10,000 and buy a property below market value, you can refinance the property after 6 months and buy a new car or you can get a new car on finance as you will have a passive income from the house you bought. Every single month the rental income will pay for your car without you physically working to pay for it, so instead of having just a car, now you have a property plus a car that is paid by the asset you have acquired. What would you prefer?Bridging LoanA bridging loan is a very good method if you need to borrow money for a property that you want to buy very quickly. It only takes a few days for the bridgers to accept your application and lend you the money; in some cases 24-48 hours. If you borrow for the first time and pay back successfully the next one will be much easier and quicker because they know that you are reliable.Bridging loans are mainly used by investors buying houses at auctions where you have to complete the purchase almost immediately. You cannot do the same with a standard mortgage company. Bridging loans have very high interest, from 1-3% per month or more in some cases. You need to know your numbers and have an exit strategy in place as it’s a very risky loan. If you have never taken out a bridging loan, make sure you consult with a financial advisor beforehand or somebody that has experience in bridging so they can make you aware of the potential problems that can arise.Social Media GroupsThere are a lot of property investing groups on social media that you can join for free. You can ask questions, gain free advice and find potential business partners. You can even sell and buy property deals, subject to how active you are in the forums.Before buying anything, make sure you do your due diligence on the person that is offering the deal and on the property they are offering. We had many deals that came our way but when we did our due diligence we found out that many of these properties were on Rightmove and Gumtree, revealing that we were not being offered a discount or, in some cases, they were trying to charge us above market value!Seminars and Networking EventsThis is our favourite way of raising finance, as most of the deals we have done and money we’ve raised came from people we met at seminars and networking events. Some people we know say that we are lucky because we manage to sell a deal or get a deal financed that made us a lot of money. But guess what? If we were sitting at home watching TV, playing PlayStation or going to the pub with friends, we would never have met the sources and our business partners. It’s all down to our hard work and the time we spent building relationships and our network. Your network is your net worth and it’s not who you know but who knows you.You first need to invest some money into the relationship before you start to do business with anyone. We invite potential business partners for dinner, for example. Is food free? No, it isn’t! Is transport free? No, it isn’t! You need to pay for eating quality food, for petrol or a train ticket. People who say you are lucky forget about all the sacrifices, costs and hard work. Business relationships are similar to dating. You shouldn’t ask for sex on the first date; it’s the same in business. You need to meet multiple times and build a relationship with a potential business partner before you do any business together.Private Members ClubThere are many different types of private members’ clubs. If you are a fan of cars, you could look into a Ferrari or Lamborghini private members’ club. You don’t necessarily need to own one to be a member. People who can afford these kinds of cars are definitely the ones with money so it could be a huge benefit to hang around with them and build relationships that could add value to your business in the future.There are also yacht clubs, gentleman’s clubs, luxurious concierge services where you pay a monthly fee of anything between £50-£200. You get access to the best clubs in your city for free where you don’t need to wait in a queue. Impressive restaurants and sold out VIP events from the world of music to theatre, film, sport and art. There are many different private members’ clubs to choose from – it all depends on what you are looking for and what interests you. You can find more information about private members’ clubs online.High End GymsThe gym is a perfect place to network with people. There are reasons for that. First of all, you will see the same people every single day or at least 3-4 times a week because if you want to keep healthy and fit you need to work out on a regular basis. When you meet someone every single day and you make eye contact with them they will remember your face, and eventually you will start talking to each other. You will share weights, benches and equipment together and if they like you, you might even come to the gym with them at the same time and work out together.The main reason that we mentioned high end gyms and not just any gym is because this is where wealthy people go to exercise. Wealthy people won’t go to any local gym as they like luxury and great customer service – everything they need is in one place from nutritional guidance, private medical care, spa treatments to DNA testing to determine what exercise suits them best. They also want to hang around with other people who are successful because who you hang around is who you become.High end gyms have very expensive joining fees, which could be anything from £400-600 and a monthly fee of around £185-240. The most expensive one in London is in Knightsbridge, which costs as much as £2000 to join and £500 per month. There are a lot of gyms to choose from that are also very good and attract successful people and cost much less. David Lloyds or Virgin Active gym will cost you around £70-90 per month. High End gyms cost a lot but sometimes it is money well spent. If you can find someone that could finance your project of £500,000 to £1,000,000 or JV with you, isn’t the £200 per month worth it? Some people spend £3 on a coffee every single day, £3 x 5 days= £15 per week! In one month, that’s a cost of £60. What if you could save this money instead and put it towards the gym membership that will be much more beneficial and healthier than your daily coffee?There are many more places where rich people spend their time. A charity ball is a good place to go as people spend a lot of money there bidding and raising funds to help the less fortunate.There are very cheap and also very expensive ways of raising money. Everyone’s situation is different. You might be able to pay the £200 for the gym membership or you might prefer to go to free seminars or networking events. If you keep working hard and you are out often meeting new people, you will build your network and you will find the people who you are looking for. It might take you slightly longer than the more costly route as it may attract wealthier people, but you will still make it as you might meet someone who knows somebody who has the money and would like to invest it or get a better return than the bank is giving. We had to choose the cheap route as we were in debt so didn’t have the money to join expensive clubs. We are a living example that you can build a big network without spending £200 per month on gym membership. We met most of our business partners and investors at networking events and seminars, but we worked really hard to build those relationships.

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How is Parkinson’s Disease Treated?

Parkinsons disease is a comparatively common condition of the nervous system which is as a result of problems with the nerve cells in the part of the brain which generates dopamine. This is a chemical substance that is needed for the smooth management of muscles and motion, so the symptoms of the disorder is a result of a reduction of that chemical. Parkinson’s disease mostly impacts individuals aged over 65, but it can and does come on at younger ages with 5-10% developing before the age of forty.

The chief clinical features of Parkinson’s disease are a tremor or shaking, that will commences in one arm or hand; there is often a muscle rigidity or stiffness along with a slowness of motion; the stance gets more stooped; additionally, there are equilibrium concerns. Parkinson’s can also cause greater pain and result in depression symptoms and create problems with memory and sleep. There isn’t any specific test for the diagnosis of Parkinson’s. The identification is usually made primarily based on the history of the symptoms, a physical along with neural evaluation. Other reasons for the signs and symptoms also need to be eliminated. There are imaging assessments, such as a CAT scan or MRI, that can be used to eliminate other issues. From time to time a dopamine transporter diagnostic might also be utilized.

The actual cause of Parkinson’s isn’t known. It does appear to have both genetic and environmental elements with it plus some specialists think that a virus may induce Parkinson’s as well. Decreased amounts of dopamine and also norepinephrine, a substance which in turn is responsible for the dopamine, have already been found in those with Parkinson’s, but it is not yet determined what is causing this. Unusual proteins which are named Lewy bodies have been located in the brains of those who have Parkinson’s; nevertheless, experts don’t know what role they may play in the development of Parkinson’s. While the specific cause just isn’t known, studies have identified risk factors that establish groups of people who are more prone to develop the condition. Men are more than one and a half times more prone to get Parkinson’s as compared to women. Caucasians are much more prone to get the condition as compared to African Americans or Asians. Those who have close members of the family who have Parkinson’s disease are more likely to develop it, implying the inherited contribution. A number of toxins could raise the potential for the problem, implying a role of the environment. People who experience difficulties with brain injuries can be more likely to go on and have Parkinson’s disease.

There is no identified remedy for Parkinson’s disease. That will not imply that the signs and symptoms can’t be handled. The main method is to use medicines to raise or replacement for the dopamine. Balanced and healthy diet together with frequent exercise is crucial. There may be changes made to the surroundings at home and work to keep the individual involved as well as active. There are also some options sometimes for brain surgical treatment which can be used to relieve some of the motor symptoms. A diverse team of different health professionals are often involved.

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Understanding the Impacts of Gout

Gout is among those historical problems because there are numerous mentions of it in historical literature, at least since ancient times. The traditional typecast of it is that it is related to the upper classes that binge in alcohol and certain foods. This image was pictured in early art work illustrating people who had gout. Gout has stopped being viewed as a problem of over consumption, because of the current research demonstrating an important genetic component to it.

Gout is a distressing inflammation related disorder which mostly impacts the joints, most commonly the great toe joint with the feet. It is because of uric acid crystals getting placed in joints in the event the bloodstream uric acid quantities are increased. The uric acid comes from the breakdown of purines which come from the consuming of foods like venison, salmon, tuna, haddock, sardines, anchovies, mussels, herring along with alcohol consumption. It is possible to understand how that old misconception was produced according to the overindulgence of the higher classes in those types of food and alcoholic beverages. The actual problem is not really the quantity of those foods which can be consumed, but the actual genetics of the biochemical pathway which usually breaks the purines in these food items down into the uric acid and how your body deals with it.

While diet is still important in the treating of gout and lowering the quantity of food which have the purines with them continues to be considered essential, however it is becoming apparent recently that this is just not sufficient by itself and just about all those who have gout probably will need pharmaceutical management. It goes without saying that drugs are likely to be needed for relief of pain throughout an acute flare up. The acute phase of gout is extremely painful. Over the long term there are two forms of drugs which you can use for gout. One kind of medicine block chemicals in the pathway which splits the purines into uric acid, which simply implies there will be much less uric acid in the blood stream that could find its way in to the joints to trigger an acute episode of gout or lead to the long-term gout. The other main kind of drug is one that can help the renal system remove much more uric acid. This would also reduce the urates in the bloodstream. Generally, only one of those drugs is all that’s needed, however occasionally both are needed to be utilized at the same time. Since these prescription medication is ordinarily pretty successful, that will not indicate that the life-style and eating habits changes may be pushed aside. Local measures, including wearing good fitting shoes if the big toe joint gets too painful is important. Also ice packs during an acute flare up will also help with the relief of pain.

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How To Approach Removing Asbestos Removal in Sydney

Planning to renovate your home built decades ago? Well, you got to be careful! There is a good chance it may have asbestos. This is a popular building material used throughout Australia before it was completely banned in 2003.

Asbestos is not generally considered hazardous. In fact, homeowners are only allowed to remove up to ten square meters of non-friable asbestos. More than that, people are advised to seek professional help, especially handling friable ones. Because of the health risks involved, DIY removal is considered illegal.

This is particularly prohibited in Sydney. Hence, the expertise of your trusted asbestos removalists is required to handle the dangerous job.

Why Removing Asbestos Can Be Dangerous?

There are many DIY ideas. Some are equally fun. Whilst, others can be hazardous, like removing asbestos by yourself.

Here are some reasons why removing asbestos without proper knowledge can be dangerous:

Exposure to diseases

Small quantities of asbestos are present in the air most of the time and are being breathed in by everyone without ill effects. But, exposure to high levels of asbestos for a long time is pretty serious. It can cause asbestosis, lung cancer, and mesothelioma.

Accidents and Injuries

Asbestos is used in cement sheeting, drainage and pipes, guttering, and even roofing. But, asbestos roofing can become fragile over time. Hence, you might risk breaking it apart, releasing harmful fibres into the air. Also, a single sheet of asbestos can weigh 30-50 kilograms. Such weight can cause injuries.

Wrong removal and ill-fitting equipment

You may not know the proper ways to remove asbestos, exposing you to very harmful fibres. And the recommended removal equipment is quite expensive. You don’t have to deal with it on your own.

How Much Does It Cost To Remove Asbestos?

Asbestos removal can be pretty costly. It is determined by the type and size of the area, as well as the amount of debris to be removed. The safety risks of asbestos also increase the cost, especially when friable asbestos is involved. But health is wealth. It is always worth the price.

Most junk removalists in Sydney are priced from $99.99 per cubic metre, however, given the highly dangerous nature of asbestos, prices may be higher. It’s important to receive a few quotes before proceeding with an asbestos removal service.

How To Find The Right Asbestos Removal Provider?

There are a few key things you can do right now to ensure that your search for a provider is a successful one. They include:

Check Online Reviews

Does the asbestos removal service provider have an abundance of positive Google reviews? Check the history of their reviews to make sure that they are in-fact, legitimate. Businesses with legitimate reviews tend to have a stream of reviews that span across years of their lifetime; not just all within a few months.

Service Locality

Hiring a local asbestos removal business is always best. This ensures that you receive the best pricing as the business is local and nearby to your location. Typically, local businesses tend to take more pride in their workmanship as a positive reputation is key to their ongoing success.

Number of Years in Business

Given the highly dangerous nature of asbestos, it’s important to check how long the business has been in operation. A business who has over 10 years servicing the local community may provide cheaper pricing, given that they likely will have more refined practices.

Conclusion

Take your time while in search of a suitable asbestos removal provider. Due-dilligence is important and always shop around for the best quotes.

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