Private Banking Services Vs Retail Banking

May 19, 2017

Private banking is a much more personalized banking service given to individuals who invest substantial sums, typically over U$S1M. The most noticeable difference between retail and private banking services are that private clients receive customer service on a 1-1 basis via a relationship manager or a private banker. Wealthy individuals with private accounts can expect to meet their bank contact in person, and have direct phone access to a relationship manager. Usually the private banking arm of a bank is separate from the retail banking arm and the service is completely distinct.A private bank is one that is not incorporated. Private banks are favoured by conservative investors because the directors are personally liable, and more likely to be cautious in managing client funds. Financial institutions like these are sometimes family owned and only cater to the very rich. One of the reasons why wealthy people choose them is their confidentiality – a pledge to maintain client records secret. For some it is a case of not wanting to be targeted by criminals, lawsuits or corrupt governments. Others use this secrecy to shield income from authorities like the IRS and evade tax.

Many of the world’s private banks are found in Switzerland because of the strict bank secrecy laws and sophistication of Swiss financial services. Small banks in countries like Switzerland are also more likely to keep their client records secret because they limit their operations to within the country’s bank secrecy laws.Not only private banks offer private banking services – in fact some of the biggest providers of private banking and wealth management services like UBS, Credit Suisse and the Barclays are not privately owned. Private clients of these huge banks can take advantage of their in-house trading and research departments, and sometimes choose to have almost all their assets managed by the bank. This way they expect much higher returns than those given by a simple savings account or certificate of deposit.Types of Private Banking ServicesUsually only very affluent clients demand wealth management – where private bankers manage an investment portfolio for a family or an individual. The fee for this service varies from bank to bank and is charged yearly as a percentage of the total amount invested. The return of a portfolio will also depend on the standard of the private banking service. While some will provide excellent returns, others will continue to charge high fees while investing client funds in the bank’s own investment funds, regardless of whether or not this is beneficial to the client.

A popular alternative to wealth management is Self-Directed private banking, where the client manages his own portfolio, at times calling on advice from the bank. The advantages of this type of account are lower fees and greater personal control.Inheritance and tax planning are extra private banking services provided either directly or by referral for an extra fee.

Questions First Time Investors Should Ask Before Investing

May 8, 2017

It is easy to find people’s opinion on how to invest in the stock market as everyone has a different angle on what to expect in the stock market at every point in time, but most of the time people’s opinion may be very confusing. The most common problem that new investors do have is how to determine good investments from the bad ones, what to invest on, what time to invest among others. Some of the questions that you need to answer so as to make a good decision when you want to invest are highlighted below.Is This a Good Time to Invest in Stocks?On the off chance that you are taking a gander at money markets amid a lofty decrease, you may think it is a terrible time to begin investing. On the off chance that you are taking a gander at it when stocks are reviving, you may think it is a decent time.Neither one of the times is fundamentally great or terrible in the event that you are investing for the long haul (10 years or more). Nobody can anticipate with any level of assurance which way the share trading system will move at any given time; yet over the long haul, stock markets has constantly moved higher. Each bear advertises is trailed by a buyer market (when stock costs rise). Verifiably, positively trending markets have endured any longer than bear markets, and the additions of buyer markets have more than counterbalance the misfortunes in bear marketsHow Much Risk Should I Take?A standout amongst the most essential fundamentals of investing is the cozy relationship amongst risk and returns. Without risk, there can be no profits. You ought to will to accept more risk on the off chance that you are looking for more noteworthy returns. In that regard, risk can be something to be thankful for, yet just in the event that you take into consideration adequate time to let the inescapable market cycles happen. By and large, in the event that you have a more drawn out venture time skyline, you ought to will to expect a more noteworthy measure of risk, on the grounds that there will be more opportunity for the market to work through the here and there cycles. Generally, understanding financial specialists have been compensated with positive long haul returns.

New investors are regularly encouraged to put fundamentally in common money, which can give moment enhancement, offering the most ideal approach to lessen risk. By putting resources into a couple of various shared assets speaking to various resource classes, (for example, expansive development stocks, global stocks or bonds), you can lessen unpredictability significantly promote without yielding long haul returns.On the off chance that you are beginning an investment program by investing incremental measures of cash on a month to month basis, you will profit by dollar cost averaging. When you invest an altered measure of cash on a month to month premise, you get some share costs at a higher cost and some at a lower cost because of market changes. At the point when the market decreases, your settled dollar sum will purchase more shares. After some time, the normal cost of your shares ought to be lower than the present market cost. By utilizing dollar cost averaging, your drawback risk will be alleviated after some time. What Is My Investment Goal?The most vital question to consider before making any invest is, “What Is My Investment Goal?” Your ventures will contrast boundlessly if, for instance, you are attempting to spare cash for retirement as opposed to attempting to spare cash for an up front installment on the house. Things being what they are, ask yourself, “Is this venture prone to help me meet my objective?” What Is My Risk Tolerance?If your investment objective is to profit as would be prudent and you can endure any hazard, then you ought to invest in the National Lottery. Putting resources into lotteries, be that as it may, practically promises you won’t achieve your venture objective. There are speculations for each level of risk resilience. But if you are not a high-risk taker, investing in long-term investment is the key.What Happens if This Investment Goes to Zero?Among the 12 stocks in 1896 stock list, only General Electric is still in operation, the other eleven firms in the first record have either gone bankrupt or have been gobbled up. There is a genuine plausibility that any investment you make could go to zero while you claim it. Ask yourself, “Will I be monetarily crushed if this speculation goes to zero?” If the answer is yes, don’t make that venture.What Is My Investment Time Frame?As a rule, the more extended your investment time allotment, the more risk you can take in your investment portfolio since you have more opportunity to recuperate from a mix-up. Likewise, in case you’re putting something aside for retirement, and you’re decades from resigning, putting resources into something illiquid (like an investment property) may bode well. “Does this venture bode well from a planning perspective?”When and Why Will I Sell This Investment?If you know why you are putting resources into something, you ought to have an entirely smart thought of when to sell it. On the off chance that you purchased a stock since you were expecting 20 percent income development for each year, you ought to anticipate offering the stock if income development doesn’t live up to your desires. On the off chance that you purchased a stock since you enjoyed the dividend yield, offer the stock if the profit yield falls.Who Am I Investing With?It is extremely hard to judge the character and capacity of anybody in light of a two-passage portrayal accessible in an organization’s yearly report or a common store outline. However, you ought to at any rate know with whom you are entrusting your money. What is their past record? Things to hope for are long fruitful track records and good dividend and turnover.Do I Have Special Knowledge?A celebrated investment expert feels that normal individuals have a tremendous favorable position over investment experts in fields where they work in light of the fact that no investment professional will ever know more around an industry than somebody who works in it. Ask yourself, “Am I putting resources into something I know something about, or am I putting resources into something that some specialist know something about?”

I couldn’t care less how great something sounds. In the event that I don’t totally see how it functions, I won’t put resources into it.In the event that an investment can’t be clarified obviously, it implies one of two things:The individual clarifying it doesn’t comprehend it either, or there’s something about the investment that the individual is attempting to stow away.On top of that, one of the greatest keys to investing admirably is adhering to your arrangement through the good and bad times.That is difficult. Indeed, even the best investment methodologies have enormous down periods that make you reconsider. Adhering to your arrangement in those extreme times requires a practically religious-like conviction that things will pivot.Furthermore, the best way to have that sort of conviction is to comprehend why you’re investing the way you are and what every bit of your arrangement is accomplishing for you. Without a solid comprehension, you’ll more likely than not safeguard at the main indication of inconvenience.Why Do I Still Own That Investment?It is a smart thought to intermittently look through your investment portfolio to ensure regardless you need to claim your stock. Offering an investment for a misfortune or offering a major champ is exceptionally troublesome. Be that as it may, the greatest distinction amongst beginner and professional investors is that professional investors don’t have passionate ensnarement with their investment and can strip themselves of their investment without kicking themselves if the investment keeps on picking up esteem.Should I Be Managing My Own Investments?It is extremely difficult for beginner investor to perform well than a professional investment expert. If you don’t have sufficient energy or slant to deal with your investment, you ought to think about paying an expert to do it for you. Every investor wants to make profit, so there is no harm in trusting your investment in good hand.

A to Z Guide to Wedding Planning!

May 12, 2017

A is for Atmosphere
Setting the scene for the perfect wedding can be a daunting task and with wedding trends changing rapidly over time, it can mean decision making is hard. Often the best place to start is by thinking about the formality of the event and how you would like your guests to feel on your wedding day! Whether you choose a relaxed garden wedding with subtle coloring and natural tones or a themed wedding at a wild venue with bold wedding colors and outlandish wedding decorations, whichever way you go it is the wedding atmosphere that you create that will generate the most memories!

B is for Bachelorette Party & Bridal Shower
Second to choosing your bridesmaids, this is often the next stage in the planning of your pre-wedding activities! This is the event, other than the wedding itself, that the girls look forward to most! Renowned as the tamer of the two, a bridal shower is a gift-giving party held for a bride-to-be in anticipation of her wedding, it is a time for the females in your life to get to know each other and to share advice before your big day.The Bachelorette Party also known as a hens night, hens party or hens do on the other hand is deemed “an evening of debauchery,” a girls night out in honor of the bride-to-be in the style that is common to that social circle. This is when the bridesmaids take control, organising silly outfits for the bride, dares and games along with gifts for the girls including name tags, fun drinking straws along with personalised bachelorette koozies for a unique gift idea!

C is for Ceremony
Ultimately your ceremony, the moment where two people are united in marriage, is the reason you are planning this special day. The way that you choose to perform your ceremony and the wedding reception that follows are often linked in formality and theme and the options are endless.For the ceremony you will have to give some thought to the location, a church or temple, beach, garden or formal venue often this is driven by the choice for a civil or religious ceremony. Most ceremonies have a similar structure, with your vows, readings and music making a personal service.

D is for Destination Wedding
More and more couples are escaping the traditional big celebration wedding in favor of a smaller more intimate ceremony in an exotic location. Whether your destination wedding is overseas or interstate it can still take a lot of organization, not only for the couple and the wedding day itself but in making it fabulous for the guests that have gone that extra mile to share in your special day!

E is for Engagement
Congratulations on your Engagement, let the fun begin. Start with your engagement announcements, maybe a notice in the newspaper to inform the community or an item that you can send in the mail to let your friends and family know the good news! If you are moving fast you could even add your wedding save the date to your engagement announcement to help with your planning budget.Some couples will choose to have an engagement party, an opportunity to celebrate with family and friends and for future guests to get to know each other before the big day. Engagement party favors are often handed out to the guests as a thank you for attending, such as candy treats or custom beer koozies to take home as a memento.

F is for Favors
Wedding favors also known as bonbonniere are small gifts given as a gesture of thanks to guests from the bride and groom. Wedding favor ideas have become a major part of wedding planning, with modern gift trends including: CDs with the favorite music of the bride and groom, candy jars, picture frames and wedding koozies. Gifts may also be personalized with the couple’s names, initials or wedding date and even an individual guest name to create a gift and place card.

If you choose wedding Koozies as your wedding favors then it is a great idea to start browsing the designs a few weeks before you need them to be delivered. There is an extensive range of designs available to help you create the perfect match to your wedding color scheme, theme and more. Please read a previous article to help with your design; Personalized Wedding Favors on a Budget – Inspiration for Wedding Koozies to Wow Your Guests!

G is for Gift
A wedding present is a gift taken by a guest to congratulate the couple on their marriage. There is usually some etiquette when it comes to gift giving, some couples may choose to take the hard work out of this for their guests and have a gift registry with a wish list to choose from. Others may have a wishing well, this is where guests can anonymously drop cards and monetary gifts into a box known as a wishing well to help the couple on their way to starting a new life together.

H is for Honeymoon
A honeymoon is the traditional holiday taken by newlyweds to celebrate their marriage in seclusion. Jetting off to somewhere exotic and romantic is not uncommon although the holiday should be something of choice that suits the couple’s outlook and interests. For couples on a budget a destination wedding can be a great way to spread the cost making the addition of a few days for a honeymoon easy.

I is for Invitations
Wedding invitations are a great way to set the scene for your guests. As a follow on from your wedding announcement or save the dates, your wedding invitations can be fun or formal but should be informative and hold an RSVP date so that you can keep to a deadline in your wedding planning.In modern times the way an invitation arrives is becoming more and more imaginative, you might choose a link to an online wedding website where guests can respond electronically or include a link to a video message. Items sent in the mail can also be creative and unique such as origami style folded gifts, printing a message on a balloon that can only be read once blown up or sending custom wedding koozies for your guests to enjoy at home and on bring on the day!

J is for Jewellery
Wedding jewellery can be simple and sophisticated or bold and colorful. This is a very personal choice that that bride will make when choosing her wedding dress and bridal party attire.Sometimes traditional jewellery will be passed down the generations within a family, bridal accessories can include earrings, bracelets, tiaras and hair combs to name a few.

K is for Kiss
“You may now kiss the bride”… the words that the groom has been waiting for all day! Many couples will have a discussion prior to the wedding about the kiss, some even finding this the moment that makes them most nervous! Questions like, how long should it be? Should it be a full-on smooch? Or just a peck? What is the etiquette in wedding kisses? The answer to which is that there is not really an etiquette, just show each other how happy you are to be making this promise to each other and show this off to your guests, just bear in mind that you might be in front of your parents, grandparents and young children.

L is for Love
LOVE. An intense feeling of deep affection and the reason you have been ploughing all of your time into planning the ultimate wedding celebration. Say no more.

M is for is for Music
One big question for your wedding reception, DJ or Band? Often the answer to which is dependent on budget, formality of your event and location. There is also the decision of which music you should be walking down the aisle to, creating an amazing playlist that will get your guests on their feet and of course the first dance! Here are our choices for a first dance song;Top 5 First Dance Wedding Songs

Make You Feel My Love – Adele

You Are The Best Thing – Ray LaMontagne

Kiss Me – Ed Sheeran

The Way You Look Tonight – Michael Bublé

Better Together – Jack Johnson

N is for New
If you are following tradition in the sense of the rhyme “something old, something new, something borrowed and something blue” then this is your something NEW! You can include your wedding dress as your something new if it is made to order, or perhaps one of your bridal accessories or a fancy new pair of shoes. Let’s face it when it comes to your wedding there will be a whole heap of items that you can consider using to tick this box!

O is for Outdoor Wedding Venue
Weddings are often planned for the perfect weather, the most popular seasons for a wedding are spring and summer so that you can have great light for your wedding photographs and that you have the best chance of enjoying sunny spells outdoors with your guests over welcome drinks.Your outdoor wedding venue might be in a national park, flower garden, winery or a beautiful beach, whichever you choose for your outdoor wedding be sure to have a wet weather plan on hand, just in case!

P is for Photographer
Wedding photography for a lot of couples is a big box to tick. It is lovely to be able to capture your big day and all of that hard work into images that you can cherish for years to come. Choosing a photographer can be a daunting task, be sure to ask around for recommendations, view portfolios of previous work and get to know your photographer so that they learn to capture what is important to you. Looking at your photographs together as a family is a beautiful way to connect after the event, each image will tell its own story and each story will be a memory captured for life!

Q is for Quiz
The Mr & Mrs Quiz, the ultimate quiz that any bachelorette should have to complete on their ‘last night of freedom’..! It is a fun way for the maid of honor to connect with and get to know the groom before the event. She will prepare a series of questions that the groom will answer, things can of course get a little cheeky depending on the formality of the bridal shower or bachelorette party, the bride will then need to see how many answers she can match to the groom’s responses, often followed by a forfeit for every wrong answer.

R is for Reception
Wedding reception, this is the fun part, after you have nervously said your vows in front of your family and friends you can relax with food, drinks and dancing at your wedding reception. Wedding reception ideas include a formal sit-down meal, cocktail reception or a casual beach BBQ. You can usually leave this up to your wedding planner or venue to organise, that way you can enjoy the celebration and spending time with your guests.

S is for Save the Dates & Stationery
Your wedding announcement and first item of wedding stationery is your Save the Date! An ideal gift used for long engagements this is designed to be sent out to your guests well in advance of the formal invitation, once you have your date set you can mail these out so that your guests can save the date in their diary. Some popular methods of sending a save the date include; postcards, calendars, tickets, magnets, custom beer koozies and more.

T is for Table Plan
T is also for troublesome, often considered one of the most controversial parts of the wedding planning process, the dreaded table plan! Great aunt Joan cannot be near second cousin John and really you’d like to sit with your pals rather than follow the traditional top table style with your parents… at the end of the day this is your wedding and as a couple you should be able to choose a seating plan to suit your wedding formality and your guests.

U is for Ushers
An usher, also known as a groomsman is normally a friend of the groom that has been recruited to direct guests at the ceremony, and generally be available to the bride and groom for assistance throughout the whole wedding event. The ushers would generally be dressed in the same wedding attire as the groom and best man and would feature in the formal wedding photographs alongside the bridesmaids.

V is for Vows
The exchange of wedding vows is an important part of your wedding ceremony. It can be a very romantic moment and often the perfect place to express your feelings for each other. Vows can be modern or traditional, led by a minister or celebrant, written for you or by you and can be tailored to your individual personalities.

W is for Wedding Dress
Almost every girls wedding dream begins with the dress! There are so many gorgeous styles available and all designed to suit different shapes and sizes… you can find the perfect wedding dress style amongst these… Ball gown, mermaid, A-line, Sheath. Strapless, V-neck, halter-neck, one-shoulder, illusion and more!Once you have found the perfect style, you can start to create a unique look through the color and density of the material, heavier fabrics such as brocade and jacquard or lighter materials like silk and chiffon, traditionally a wedding dress would be predominantly white or ivory in color, but these days anything goes!

X is for X -rated (entertainment at bachelor party)
Although it is not necessarily the way every groom will spend their last night of ‘freedom’, the bachelor party, as portrayed in the movie The Hangover, certainly has a reputation for being a night or indeed a weekend of debauchery! Some will go all out with a weekend in Vegas, but generally the party vibe will include trendy bars, nightclubs and, most importantly, strip clubs!Much like the bachelorette party, this is where the best man and other members of the bridal party will shine with ideas, organising embarrassing outfits for the groom, along with drinking games and dares! Gifts for the guys might include matching t-shirts, shot glasses, beer horns or custom beer koozies personalised for each of the guys!

Y is for Years
The number of years spent together, number of years engaged and then number of years married. Once your wedding day becomes a wonderful memory you have the many years of wedding anniversaries to look forward to and to celebrate. Each anniversary that passes will have a symbolic gift that is presented, there is both a traditional and modern gift here is the traditional list;

1st Paper

2nd Cotton

3rd Leather

4th Fruit/Flowers

5th Wood

10th Tin/Aluminium

15th Crystal

20th China

25th Silver

30th Pearl

35th Coral

40th Ruby

45th Sapphire

50th Gold

60th Diamond

Z is for Zero Regrets
In a perfect world, every bride and groom would have the perfect wedding with absolutely no mishaps. However, this is not the perfect world and every turn makes for a new story! Our only advice is to enjoy every minute of your special day, spend as much time with each guest as you possibly, and have zero regrets!

The Controversy of UK Agricultural Land Conversions to Housing

May 15, 2017

What are seen as the controversies around converting land from agriculture to housing?The value of UK Green Belt and agricultural lands is undisputed. But the environmental costs of modern farming and housing needs are part of the conversation as well.Anybody considering making an alternative investment in strategic land will know that Britain unquestionably needs more homes to accommodate a growing population. According to the Office for National Statistics, more than 4.4 million homes should be built by 2016, largely in response to two factors: A decennial growth rate of 7 percent, as measured in Census 2011, and lagging new home construction that fails to keep up with this population increase, largely attributed to the stringent lending standards of banks following the 2008 economic crisis.At least one group claims the solution is to build on Green Belt land. The Policy Exchange, a centre-right think tank, said in late 2012 that the supply of land near cities that is kept unbuilt is a drag on the housing market. They argue that swaths of English countryside that typically surround towns should be opened up for development. The fourteen Green Belts in England cover about 13 percent of the country, enveloping about 60 percent of Britain’s population (about 30 million people).The Policy Exchange faces plenty of headwind in its positions. Since the “garden city movement” of the early 20th century, the effort to combat urban sprawl led by such groups as the Campaign to Protect Rural England (CPRE) and the London County Council sought to maintain open spaces dedicated to recreation, forests and agriculture as a social good. But the Town and Country Planning Association has proposed since 2002 the adoption of more flexible policies toward Green Belt lands, suggesting that instead of a growth-stifling “belt,” that “wedges” and “strategic gaps” might allow a natural expansion of urban areas.

Famously, the head of Natural England, whose charge is entirely to ensure protection and improvement of flora and fauna, said in 2007 “we need a 21st century solution to England’s housing needs which puts in place a network of green wedges, gaps and corridors, linking the natural environment and people.”Agricultural land outside of Green BeltsOf course, land away from the major cities is green as well, much of it in use for agricultural, forestry and recreational purposes. More than 80 percent of the landmass in England and Wales, 12 million hectares, are used for farming and forestry. Local planning authorities can more easily rezone the lands outside Green Belts when market factors, such as the demand for housing development, call for it. Since 2000, about 1500 hectares of agricultural land has been converted to housing development every year.Of course, similar sentiments understandably still exist relative to the bucolic perceptions of farming in the U.K. But environmentalists take exception to how modern agricultural methods, which include excessive application of fertilisers, can actually burden nature with its by-products:• Toxic build-up. 100 million tonnes of sewage sludge, compost and livestock manures applied annually to agricultural lands is leading to a build-up of potentially toxic elements such as zinc and copper, and more than half of sensitive wildlife habitat experiences harmful acid and nitrogen pollution, according to a paper published by Environment Agency UK.• Loss of soil. About 2.2 million tonnes of topsoil is lost each year due to intensive cultivation, some of which is instigated by compaction from heavy machinery and livestock, which precludes plant growth and leads to runoff in rain. (source: Environment Agency UK). To be fair, some runoff is noted as well from building sites before landscaping is completed.• Water quality compromised. About 70 percent of sediments found in water come from agriculture, and those sediments can carry metals, pathogens, pesticides and phosphates.Such problems due to modern agriculture plague the planet, as similar pollution levels are reported throughout Europe, Asia, North America and Australia. Africa, Brazil and Argentina, the newer frontiers for agriculture, are expanding arable croplands to meet global food demands but also exhibit a host of environmental sins.The food-housing tugThere is no denying that the housing needs in the UK must be met – and soon. A whole generation of families are postponing children or living in cramped quarters, awaiting homes they can afford or at least rent to accommodate their members.But Brits need to eat as much as sleep. So how to balance the use of land for each?A number of approaches are being tested. One is to encourage development of so-called brownfield lands, which include properties that may require remediation from previous industrial uses. These lands are often within towns or immediately adjacent to them, some with excellent access to existing urban infrastructure while others are cost-prohibitive for a variety of reasons (no existing infrastructure, undesirable locations for housing or extensive environmental remediation required).

SustainableBuild.co.uk is a web publisher that considers the balance between development and environmental sustainability from a very pragmatic standpoint. The site offers several points on how land conversions to development can have a negative effect, which include: converted greenfields are quite unlikely to be converted back to nature; there is inevitable loss of habitat for animals and plants; a loss of employment for agricultural workers; and a loss of Green Belt land that provides geographical definitions and separations of cities, towns, villages and hamlets (I.e., American-style urban sprawl).Answering the problem of diminishing agricultural lands is a nascent movement to small-scale, organic agriculture on greenfield lands. SustainableBuild notes, “There are greenfield sites that are not being used for any purpose, for whatever reason. Development must consider all human and environmental factors, not just consume land and space for short-term solutions. A sustainable vision would look at all the options for land use, human population expansion, urban sprawl, economic considerations as well as environmental needs.”Which, in a country with a growing population and a concurrent appreciation for the environment, is perhaps the most realistic and pragmatic approach.

Take Charge at Telecommunications Schools

May 21, 2017

Instead of taking off work to wait for the phantom cable guy, or pleading with your Internet Service Provider to change your fiber-optic cables back to copper so you can get DSL service, why not take your telecommunication experience into your own hands? Telecommunications schools can show you how.Your FieldIn a world where families and businesses are spread across the globe, telecommunication (communication at a distance) is no longer a luxury — it’s a necessity. Where would you be without your cell phone? Or your BlackBerry? Or your TiVo? All of these are facets of a telecommunication career, which encompasses voice, video, and Internet communication services.In your telecommunication career, you’ll be entering an ever-evolving industry that is continually introducing new technologies and services. Fiber-optic networks bring lightning-speed communications to residential customers. Wireless providers are increasing the capacity of their radio networks and introducing improved portable devices that transmit voice, data, e-mail, and video. And, some wireless phones now use VoIP (Voice over Internet Protocol) technology to make phone calls through local wireless Internet networks.

Your TrainingThat’s why, if you want to succeed in this competitive industry, you’ll need postsecondary training from telecommunications schools. There, you can acquire the knowledge and skills you need in computer programming and software design; voice telephone technology (telephony); laser and fiber-optic technology; wireless technology; and data compression.The good news for graduates of telecommunications schools is that steady employment is available in almost every community. According to the U.S. Bureau of Labor Statistics (BLS), the telecommunication industry provided one million wage and salary jobs in 2004.Your CareerWhat exactly will you be doing in your telecommunication career? Fifty-five percent of all telecommunication workers are employed in administrative support occupations or installation, maintenance, and repair occupations.Here’s a telecommunication career overview: Telecommunication craftworkers install, repair, and maintain telephone equipment, cables and access lines, and telecommunications systems. Line installers and repairers connect central offices to customers’ buildings. Telecommunication equipment installers and repairers install, repair, and maintain complex communications equipment and cables. Cable installers travel to customers’ locations to set up pay television service so customers can receive programming. Telephone operators make telephone connections, assist customers with specialized services, provide telephone numbers, and may provide emergency assistance. And customer service representatives help customers understand all the services offered by telecommunication providers.

Graduates of telecommunications schools can expect to be well-compensated for their efforts. According to the BLS, average weekly earnings of nonsupervisory workers in the telecommunication industry were $853 in 2004, significantly higher than average earnings of $529 in private industry.Quit waiting for the elusive cable guy, and boost your career competence at telecommunications schools today.

How To Start Making Money Online As An Affiliate Marketer

May 24, 2017

The field of affiliate marketing is probably the quickest developing way to make money online. After all, billions of ordinary people use internet every day. Affiliate marketing gives you the opportunity to target potential customers regardless of their location in the world.For this reason, it isn’t surprising that a huge number of people make a considerable amount of money through affiliate advertising and marketing. Many skilled affiliate marketers end up making more money in this field than they did in their previous job, and hence some of them even resign their normal 9-5 job and pursue affiliate marketing full-time.A Quick Overview On Affiliate Marketing
Now that we have a little idea about the capacity of affiliate marketing, Let’s dig in and discuss what it truly includes.The easiest way to describe affiliate marketing is when you help another company sell their products online, and then you get paid a commission for each sale you bring to them.If you are promoting a product priced at $200, and the company pays you 10 percentage commission of the sale, you would make $10 for each sale.However how do you refer sales? You can begin promoting your seller’s products on your website, which receives targeted site visitors in the same niche as the product you are advertising. For example, if you have a website that sells makeup you would not advertise health insurance, but instead you could promote makeup related products. Every time one of your website’s visitors clicks on your affiliate link which was supplied to you by the seller, you will be paid a commission.How To Choose A Good Affiliate Network
One of the largest errors new affiliate marketers make is becoming a member of nearly each affiliate network they encounter. This is without a doubt considered to be a totally incorrect technique. That is due to quite some reasons.Firstly, being an affiliate marketer is an undertaking which calls for a lot of awareness. So, if you try and work with many affiliate networks at the same time, chances are that none of your initiatives might go as planned and consequently, none of them might end up being very successful.Secondly, focusing on just one or a few products without a doubt will let you research them thoroughly before you start to promote them. This method also helps you refine your strategies, making the required adjustments, and thus making your marketing a whole lot more powerful. An effective approach will yield better outcomes, and reward you for your efforts and time.

Thirdly, make sure you do some research on the affiliate network as there are some networks that will only pay you once a month which might not work for you or worse they could not pay you at all. I am not telling this to discourage you from being an affiliate marketer, but instead I want you to succeed in finding the correct network and products to market and make your commission.There are affiliate networks that resort to “shaving”, a very common exercise in affiliate marketing where the networks display a discounted number of sales than what you referred, consequently paying you drastically less in commissions.Hence, to avoid been a victim to this action I would suggest that you stick to known and trusted affiliate networks. In any case, they only way you will succeed with a network is if you are comfortable with them and the products you are promoting.How To Start Getting Sales As An Affiliate Marketer
Getting instantly to the point, some affiliate marketers use social media web sites including Facebook, Twitter, YouTube, and more, for doing associate marketing, other decide to build out their own site. Getting your own site is an exceptional approach to affiliate marketing, because it gives you control over everything.So we will focusing on affiliate marketing using your own site moving forward. First matters first, as mentioned earlier, you will want to find an affiliate network you’re comfortable with. This includes being knowledgeable about the products you are promoting, so that you don’t come to be selling products you don’t know anything about.Amazon’s Associate Program
That being said, many marketers look at Amazon’s associate marketing program as one of the best. It’s possibly the most trustworthy network, and has a large inventory of products to promote and get your commissions.This offers you a possibility to promote nearly any product in the market, or pick a niche with low competition and you could be earning commissions in less than a week.Finding A Good Keyword
That is considered to be one of the hardest parts of marketing. You simply cannot blindly choose any keyword and expect to start making sales quickly. One of the reasons why many affiliate marketers fail is due to using a wrong keyword.If you are new to the affiliate marketing, you are going to want keywords that have low competition. Start your keyword research by finding long tail keywords with a low search volume, that means much less money, but not really with the ones that have large competition.You may test the top 10 and 20 results and do a few studies to discover if you may outrank them. Review keywords being used by the competition to determine if they are using identical key phrases you are looking to target. If they are, and they have a high authority website in that niche, I would recommend that you keep away from that niche, and opt for a brand new, less competitive.Quality Content
This is significant. If you think you will make a lot of money creating items that doesn’t help the visitors in anyway, you are very wrong. Although your goal is to earn cash by means of referring visitors to the offer, you will have to offer one thing of importance to them. Merely posting your hyperlinks along with lame sales pitches like “this is a wonderful solution, purchase this product via my personal hyperlink and get a discount”, and so on, you might be only heading to disaster.If you decide to join Amazon’s associate program, you could write an informative article on your homepage and include your primary keywords and some secondary keywords throughout the article. You could have the purchasing guidebook, and write your brief opinion of each product you are marketing. Remember that the greater the cost of the product you market, the greater the commission.Backlinks
We realize it’s probably the trickiest method to accomplish, unless you are an SEO guru. Contacting site with high authority and guest posting on these sites is a really well-known means of getting great backlinks. These great backlinks, along with guest posting in related sites in your niche will get you ranked on the first page of the search engines as long as the keyword you chose has really low competition.

However, even when your site doesn’t reach page one, as long as you have guest posted on a number of sites in your niche, you will be bringing substantial amount of targeted traffic coming from these sites. So that it is a great tactic anyway.Mistakes To Avoid
Now you are aware of the process to becoming a great affiliate marketer with your own website, I want you to also keep in mind some of the most common errors brand new affiliate marketers make.Not Providing Any Good Value
Though we’ve got covered this item, it’s certainly important to remind you if you try to be extreme with your words to pressure the visitors to click on your affiliate link, it’s likely being deemed as junk or spam by many websites.Rather, it’s suggested to help these individuals select the right solution determined by their particular wants. This method makes these individuals feel more, which in return will check out the products you are marketing based on the value in your article.Product Research
Numerous online marketers will not do proper product research to gain knowledge on the product they are promoting, instead they are only worried about the amount of commission they will earn per sale regardless whether it will provide value to their visitors. This is an oversight, and will at some point lead to your readers not relying on anything you tell them.Tracking Your Links
When you begin advertising on Amazon or even some other affiliate network, it will be beneficial to track your affiliate links. It can help you find out which website is doing more sales and then you can make your other websites have the same kind of setup.Final Thoughts
I would like to say that despite the fact that affiliate marketing can be very fulfilling, it has a steep learning curve to it. You might face disappointment on numerous occasions prior to making a nice amount of money online.That said, affiliate marketing it’s suited simply for individuals who are likely to deal with several failures, but will come back with a positive attitude and willing to learn from their mistakes.

The Transformation Of Political Science And The Rise In Crime Rates

May 2, 2017

The current field of political sciences is dominated by a multitude of ideas that have never in its history featured so prominently in this discipline. The general belief that it has lost its focus once and for all is from time to time counteracted by different opinions. One of those is that the world has come full circle, that mankind has experimented out all possibilities in terms of ideological thinking and that the liberal democracy as we know it has come out of the process as the prize winner both politically and economically. Some define this as the end of history. It also goes by the name of ultra modernism. Globalisation fits in perfectly and all reflects the increasing complexity that we are finding our world to involve us in and which, in order to come to terms with the bigger magnitude of the whole, we are describing in essentially vague terms.The idea that history might have died a death was first launched in the 1980s by Francis Fukayama who wrote a now famous essay entitled ‘The End of History’, in The National Interest on the subject. The idea has persisted during the subsequent historic reality-altering events leading to our understanding of the world in terms of security and globalization, even though the liberal ground is under siege from left and right wing ideologies, parts of which are finding their way into the democratic liberal discourse.However inappropriate it essentially is to define the new ‘winning ideology’ — the policical science discourse is rife with arguments in favor of departing from old fashioned foundationalism and swapping this for a-systemic ideas gathered from all other disciplines– we are at this time almost as happy with any theory that offers a firm grip on reality as the third world would be with a cure for poverty. Much though the world is changing and much though this fast change is reflected in the sciences, the a-systemic ideas making up the political sciences might not necessarily reflect what’s going on in society one hundred percent adequately.Issues like crime and other ‘anti social behavior’ are significantly underexposed in areas of political scientific studies, say researchers. Our highly developed society and increased sophistication in all the disciplines that results in political sciences being a highly esteemed area for study, delivering no doubt high caliber students to society, does not necessarily guarantee a tangible decline in crime rates. We are missing out something big time. Is this the whiplash of a-systemic thinking we all intuitively fear?If you may believe studies undertaken by political scientists, in future, we won’t have a lot of room for corruption and evil wrongdoers in our society. Leaf through an average new book on political science and find hardly a line, let alone a chapter, dedicated to the evil side of human nature. What makes us all think that synchronising everything automatically leads to a better world and therefore a less violence prone society? In the same breath, you might ask, what is the new Left, the new Right, the Libertarian and the other political mainstream thinking on issues such as the Third World? For all our great knowledge and speedy technology-supported understanding of what is going on, we are still not much better at remedying the main problems the world is faced with.

Criminology is part of the exercise of deconstructing the past, deconstructing other disciplines and constructing new ideas from a mixture of all of them which keeps social scientists busy these days. Yet it’s not enough apparently to translate into better thinking on the way safety and society can be organised.Whether a certain approach to crime really is to blame for its rise is debatable. What is certain is that modern societies have become safer and more comfortable in many areas but that crime has risen in equal proportion. “When it comes to crime, or more broadly stated ‘antisocial’ behaviour, society has actually become less safe. Crime constitutes an insecurity risk which is difficult to control. Many citizens and organizations will at some stage fall victim – usually completely unexpected -to behaviour which can harm them, physically or financially”, according to a recent research report by the Foresight Institute of the Netherlands, a semi official consultancy. It is one of the few studies in this field.The increasingly Old World definition of the nation state was primarily driven by the desire to resist this sort of danger, the researchers say. They continue that the way we deal with crime has evolved too. It is at this point that state organization is likely to really begin to crumble. A prime, if not the prime raison d’etre for governments is keeping a population relatively safe and free from crime. The more governments are perceived to be failing in providing the desired high level of societal safety, the less justification there is for governments and their imposing taxes on a country’s population.Changes in the way crime is perceived include treatment of the issue in more scientific disciplines than ever. Yet some, including Fukayama, argue that the social sciences lack a distinct central view on human nature, which stems back from the post Kant era. The only reason that I feel you can raise the human nature argument again is that over the last 30 years in the life sciences there has been a lot of empirical work that has made the concept respectable to scientists. Yet social scientists and certainly people in cultural studies have yet to get that message, says Fukayama. They are very resistant to the notion of human nature.The issue is grappled with mostly by people who try to integrate crime studies into a whole range of disciplines. “Crime has lost its exclusiveness, the approach to crime and crime prevention is no longer exclusively the responsibility of the police and the judicial authorities”, say the Foresight institution researchers. This coincided with a tangible change in society too. In the early 1980s, there was a sea change in the approach to crime and crime prevention. Inspired by understandable self-interest, individual citizens, organizations in the community and local authorities started to feel that they bore a responsibility for crime prevention. Nevertheless, the results are not particularly overwhelming and the researchers at Foresight say that for the situation by the year 2010, some areas of research are still vastly underrepresented.One real life example of high profile people sharing this concern is the situation on the Guernsey islands off the coast of the UK. You’d say this small island offers a perfect case to study the governability of a country with a limited population, to try and test the limits of a system to the full. Politicians might well be aware of this. At least, they appear to have a clear idea and are aware of the unique nature of their society and of the effects of the rules they invent. The measurability of crime renders the subject a good target for analysis, sophisticated ideas of governance and societal structures. The self consciousness leads to frequent interesting debates by politicians on this island. Recently, a senior politician attributed the perceived rise in crime and anti-social behavior the effect of “woolly liberal” thinking. He said the increased emphasis on human rights in particular is to blame for the rise in crime.The politician said that his government’s human rights act had led to offenders becoming “untouchable” by the authorities. Warning of the dangers of liberal thinking, he pointed out that there’s no common sense in Guernsey’s human rights laws which others believe ensure rights and responsibilities of citizens are balanced out rather evenly. He said the woolly thinking underlying the human rights ideas on the island led to alcoholism among the younger population for one.This is one of the issues where the argument that improved technology in the hands of police and law enforcers is going to do the trick, won’t do completely. Developments in modern technology and improved understanding of changes in social control are central to ideas about stamping out crime. The foresight researchers recommend that there should be a radical reorganisation of how financial resources are made available to this effect, if crime prevention is to bear any fruit.Research efforts need to be stepped up dramatically if modern society is to develop adequate knowledge in any form or shape. They believe that the demand for scientific knowledge by the institutions, municipalities, government departments and private sector agencies might seem to be a professionalization of the area, but that in fact it does often not mean anything, especially not in the long run.Fundamental scientific research into issues which are already playing a part at this time needs to be stepped up, the institute believes, in order to keep up with the criminal sector. They predict that by 2010, crime will have changed radically as a result of technological and economic developments and changes in social control and cohesion. There is a great need for fundamental research, for interdisciplinary knowledge and knowledge about long-term, ongoing issues such as criminal careers, say the researchers. In the next ten years there will also be a need for more theoretical research focusing on normative and empirical issues.

The wildly diverging ideas about human beings in the social sciences is exacerbated with a dramatically lowered emphasis on any blatant negative aspects of society in postmodern political science due to the death of positivist thinking. You could argue that this is at the heart of the problem of surging crime despite increased wealth of societies.The political sciences appear most promising in their capacity for addressing the anomalies. It is the best discipline to do so, because it does not plan at neutrality. And, what’s more, the political scientist´s loyalties and engagements will not necessarily be predictable and stable over time. If it doesn’t yield immediate tangible results, it at least is a start. And it makes for less dry reading of the articles and books describing what’s perceived as the state of play in these sciences. You’d imagine that anyone coming up with a theory involving the axiom that history has ended, would be prone to fantasy.And that’s somewhat true; academic attention for total fantastic ideas as a means to understand or create is on the rise. It’s much under attack from critics who say this is a foolish activity, especially when keeping in mind the idea that when you walk the streets of your town you can be subjected to a criminal attack at any given moment. Sceptics will imply that much of the storytelling anyway misses out large parts of reality, especially the less attractive features. Which is, however, not to say that blind spots are not being reduced.But somehow, the rationale itself is changing for the criticism of the ways modern science works. The criticism for instance on the way politicians work, who seem keener to know about the cultural trends, popular culture, the media and power than in the labyrinthine workings of party and parliamentary democracy is that they are not sticking to their own field. Yet the new approaches favored in the political sciences leave more leeway for alternative ways that allow for a greater number of methods to assess reality than many predecessors ever dreamt of.In stead of a total abandonment of all serious work, modern political science presents us with a mixture of both regurgitated theories of old time philosophers and original, rather broad based ideas. And in new, often surprising, ways.Sceptical post modernists will contend that as there is no correct method for political research and researching the political, that it might be wise to adopt an anti-rules method, while the affirmatives may adopt something that can be termed ‘anything goes’. But perhaps several methodologies are best blended together to come to a robust approach to researching a problem. Much hinges too on one’s perspective on history.

Insight: Five Reasons the Nonwovens Market Shows No Sign of Slowing Down

May 25, 2017

Today, innovations in nonwovens are growing as quickly as global demand. From housewraps to laundry aids, nonwovens open up a large and ever-increasing number of possibilities for a range of industries.This insight refers to all industrial nonwovens which are sold business to business and are used mostly in commercial operations. Applications are diverse, and include automobile body degreasing, hard surface cleaning and skin preparation. In 2012, the global consumption of industrial non-wovens was 3.30 million tonnes, and this is forecast to reach 4.95 million tonnes by 2017.In this insight, we examine: what are the main drivers behind this impressive growth of industrial nonwovens?1.) Low raw material supply and cost
Industrial nonwovens are less expensive to produce than most alternative products. This low cost is measured not only in currency but in consumption of raw materials. Nonwovens use a significant percentage of European and American wood pulp, which is not petroleum based, and is also renewable and relatively inexpensive. As oil is expected to increase in both demand and price until 2017, use of natural fiber for nonwovens in the place of petroleum based material is favourable.Water is also becoming a scarce resource as industries and populations compete for supplies. Woven cotton textiles require a great deal of freshwater irrigation, as well as chemical fertilizers and pesticides. The replacement of woven cotton textiles with wood pulp and/or rayon-based nonwovens therefore not only saves money, but valuable resources.

2.) Advantageous manufacturing processes
Nonwovens are usually made using relatively new technologies and use less energy, produce minimum effluent and require fewer raw materials than older methods of production. For example, the now common spunbonding process is only around 50-60 years old, whereas textile spinning and paper-making have been around for a few thousand years.There are also fewer resources required during the nonwoven production process. Spunlaid, needlepunch, carded and airlaid nonwovens use little or no water, while spunlace uses almost no chemicals and recycles 99% of the water it uses. Nonwoven processes are typically very flexible. This has meant that many industrial processes can rapidly and inexpensively change to produce multiple different products, allowing a much greater degree of product diversification than is possible with wovens or other materials.3.) Regulation and sustainability concerns
Environmental responsibility influences the manufacturing methods of most industrial products, and nonwovens are no exception. Regulatory pressures and retailer proactivity have meant that movement towards sustainability is now common in this market.Those in the nonwovens industry feel that sustainability is a need driven by both consumers and governments, and the time to act is now rather than later. For example, while packaging has been the main area of emphasis, Walmart has acknowledged that other areas, such as nonwovens, are also important.This impacts both the consumer nonwovens market and the industrial nonwovens sector, and the suggestion that the world’s largest retailer might judge and select nonwovens based on the environmental performance of the suppliers has had an immense effect. A wide variety of products have begun changing for environmental reasons: airlace, with woodpulp replacing rayon in traditional spunlace for wet wipes, airlaid pulp replacing highloft polyester in automotive insulation, and a new ‘repurposed cotton’ fiber for use in spunlace are now marketed.4.) High performance
In some cases, industrial nonwovens materials deliver properties unattainable by other materials, leading to their increased popularity. Exemplary materials include clean-room wipes, which provide a highly entangled web with high strength and abrasion resistance. The large quantity of water used at high pressure tends to remove all loose fibers or particles all at high speed and relatively light basis weights. There are no woven products comparable.

There are dozens of other instances where nonwovens just perform better than equivalent products, from industrial wipes to automotive insulation, from packaging to battery separators. Sometimes the pure performance of a product rather than cost or convenience drives this market.5.) New and competitive materials
The nonwovens market continues to evolve and adapt in order to best serve the needs of various industries, especially in terms of cost and performance. In spunlace, a precursor web containing segmented bicomponent fibers makes it possible to produce both a cost-effective and high performance microfiber substrate, useful in filtration and industrial wipes.Airlaid is already 80-90% wood pulp, one of the most sustainable raw materials in nonwovens. Low-density versions are a suitable replacement for foam plastic packaging, and combined with a dispersible binder, airlaid is perfect for repulpable packaging or flushable wipes. This constant adaptation to keep up with a fast-moving industry has meant that the global market for nonwovens shows no signs of slowing down anytime soon.

The Fine and Performing Arts & Education

May 14, 2017

Education either functions as an instrument which is used to facilitate integration of the younger generation into the logic of the present system and bring about conformity or it becomes the practice of freedom, the means by which men and women deal critically and creatively with reality and discover how to participate in the transformation of their world. (Paulo Freire)I see too many public service commercials-today-exhorting us to support the Performing and Fine Arts in public education. We, as a nation, have evidently become so low-brow, or unsophisticated, that we can no longer see the need for Art education in our schools. So now, we have our children pleading with us, on television commercials, to keep Art education alive. This is a sad state of affairs for us and our children, because art is what truly separates us from the beasts and allows us to rise above the mundane drudgery of life. As many others, I believe art should be at the center of education and not just because it’s good for us. Art stimulates a child’s cognitive and affective domains, as well as their motor skills, which leads to learning, discovery, creativity and motivation.Academics are very important, of course, but too often they only stimulate a very small portion of the student’s mind and heart. There are three, basic domains of learning: the Cognitive (mind), Affective (emotions or feelings) and Motor-Skills (hands-on). These three domains are key to our thinking/reasoning, learning, problem solving and creating. A healthy mind (Cognitive) is capable of taking in, retaining and processing information, which can then be applied, if retained and used, to the individual’s life. Emotions and feelings (Affective) are closely connected to an individual’s learning, because they aid in retaining and applying information, as well as stimulating the desire to learn more. Seeing, hearing, speaking, the ability to write, walk and run are all part of the individual’s Motor-skills. Without these three domains, learning, needless to say, would be impossible. Reading, writing, math and the sciences stimulate the cognitive and motor skills domains quite effectively, but the affective is too often short changed.If we think back to our school days, then we should be able to remember that the memorization of facts and successfully spitting them back out on tests was our main concern as students. This is very much a part of the learning process, and I’m not denying that, but where does the Affective domain play a significant part in this teaching process? In much of this way of learning the affective is absent, and-therefore-much of the educational material, which has just been learned, has no real application in the individual’s life and is forgotten. I remember very little about higher level math, the periodic table and scientific jargon. Why is that? It didn’t relate to my life nor touch me in a deep way. This is not to say that I, or anyone else, shouldn’t have taken math and science classes, but what I am saying is academics are less effective than they can be, because they tend to ignore the Affective domain.

I contend that the Arts use all three domains effectively, and they can-therefore-stimulate the student to apply, as well as retain, what they’ve learned. Creativity is key in this process. The Performing and Fine Arts have a distinct advantage-educationally-in their ability to allow students to create as they learn. In painting, students are in the process of creating at the same time they’re mixing colors and learning brush techniques. The same applies to sculpting and photography students. Many middle and high school music directors are-now-using computer programs to stimulate their students to compose as they learn to play and sing. Dance and theatre programs are examples, as well, of applying skills as their students learn. This artistic, educational process employs the cognitive and motor skills domains, but it also stimulates the affective. The art student experiences the sense of joy and satisfaction that comes from successfully learning, and then being able to immediately apply this knowledge in a very personal way. The Arts can enhance a student’s ability to express their emotions in a very positive way. These students have ownership of what they have learned and are able to express this ownership through creativity. The Performing or Fine Arts student is motivated-educationally-beyond just memorizing facts and passing tests, because they’re using their newly-acquired knowledge to express what lies deep in their heart and mind.Surprisingly, the arts and sports have much in common, educationally. The basketball or football player, as well as the long-distant runner, learn their skills while applying them. The learning of physical techniques and immediate application reinforces the athlete’s desire to learn and perform even more. In team sports, such as football, baseball and basketball, the student athlete learns to work with others to produce a product, or team. The young athlete learns that the whole, or team, is greater than the sum of its parts, or players, as do dancers, actors, singers and instrumentalists. As in performing ensembles, these young athletes experience the joy that comes from accomplishing something special with others. They learn, in a very intimate way, responsibility towards others and that the team is dependent on the very weakest athlete, as well as the strongest and most gifted. There’s really very little difference between a football player and a band member, when it comes to being responsible and understanding that it takes everyone-involved-to be successful. This is such a valuable and wonderful lesson, and it is learned primarily, through the affective domain.Educational collaboration between artistic disciplines is a great way for young artists to learn while they create. The pairing of young instrumentalists with dancers and visual artists, or actors with singers, can open up a whole new world of artistic exploration, discovery and creativity. These collaborations can become a great vehicle for learning and motivation, as any arts teacher who has experienced this process will testify. The educational process becomes more important than the outcome, or testing results, because it is in the process of exploration, discovery and creativity where learning really occurs. The educational outcome is secondary, because it is only used, in this case, to measure curricular goals. The motivation for and enjoying of learning comes through the process of collaboration, exploration, discovery and creating.In academia, the emphasis-today-is placed more on the outcome, or testing and grades, which, in my estimation, is a huge mistake. Academic instructors could learn much from their counterparts in the arts. The government and its politically motivated, educational policies, of course, stands in the way of any successful, corrective change to academic teaching methods. Political agendas, such as, “No child left behind” are meaningless and worthless to students and teachers, because they’re not concerned, as they so hypocritically claim, with the success of the individual learner. Instead, these agendas are merely an attempt to soothe the fevered brows of unsatisfied constituents.I will agree with academic teachers that their process seems to be more set in stone than with the arts, and the only real way they can measure educational outcomes is through testing. There has to be a way-however-to allow a math, science, English or history student to become more involved in the process of learning. English teachers have a distinct advantage, since they could use writing essays and poems to instill a sense of ownership in their students. Their students-then-could use their essays and poems to collaborate with young composers, actors and dancers, as an example. Even though it would be difficult, science, language and math teachers could also seek these same avenues for educational exploration, discovery and creativity, which would-then-hopefully-lead to a student’s retention/application, ownership and motivation. This, of course, will be impossible, as long as we allow our government to force academic teachers to teach-solely-towards the outcome, or “standardized” testing.American students, every year, fall farther behind their counterparts around the world, academically and intellectually, while their parents and teachers continue to buy into the educational propaganda, which is spewed out by the American-political machine in Washington. Every year, Art education becomes less and less important in our schools, because of it’s effectiveness in producing students who can think, reason, question, learn and create. Realistically speaking, Art education may be perceived as a threat to those who run this country and desire a race of middle-class, mindless, unquestioning and unsophisticated robots.

Education is the responsibility of the parents first and foremost, and if parents aren’t capable or willing to fight for their children’s education, then I guess America is doomed. If I were a parent-today-there would be no way I could allow my child to be intellectually molested by our current, public-education system. My child would either be home-schooled, at best, or in a private education system.The Roman Empire was one of the greatest and long lasting nations in the history of the world, and yet, as the Roman government declined, then so did its human values and arts. There is only one piece of music remaining, one mere fragment, after one thousand years of Roman culture. Rome literally disintegrated from within, because of a corrupt government and decaying society. The United States is less than two-hundred and fifty years old, and we’re already starting the lingering slide into governmental corruption, cultural ignorance and decay. Perhaps, it’s too late to save our society, but if it isn’t, then it’s time to start rebuilding what we have allowed to be torn down for the last one-hundred and fifty years. If it isn’t too late, then we must begin to rebuild our values and education system. Our values and education system may not have been perfect, in the past, but they were worthy of being fixed, properly.Most successful, world cultures, throughout history, have been measured by the quality of their philosophers and artists far more than their forms of government and technological advances. If we disappear as a nation, in another century or so, what will we be remembered for? What will be our legacy to the world?Art does not solve problems but makes us aware of their existence. It opens our eyes to see and our brain to imagine. (Magdalena Abakanowicz)In my estimation, art is an integral part of being human and-therefore-is integral to human education. If we die to our affective inclinations, then we cease to be human in any real sense, and the results of this can be seen on MTV and its “Hip-Hop” generation. Money, material objects, self-absorbed egos, low-life affections and brutal power will never make us more human, if anything these extrinsic motivators will simply and affectively dehumanize us. “The one with the most toys in the end,” loses! Art education can help us to see ourselves, the world and-yes-God more clearly. We are more than flesh and blood, and our affective, as well as cognitive, attributes are exhorting us to remember this truth. The arts should be at the center of our children’s education, and our children shouldn’t have to plead with us to give them what they need and desire!

Purchasing a New Automobile

May 7, 2017

Should you be considering the purchase of an automobile, there are some common traps that you will be smart to elude. Continue reading to find out how you can obtain the best deal from your bargaining.As you are dealing with a salesperson at an automobile dealership, you want to make certain that you maintain the position of control. Making sure that the salesperson is aware of the fact that you are looking solely for the best price with no regard for loyalty to any dealership should keep him off balance. You must drive the dialogue.As you affirm your place as the one controlling the negotiations, do not forget that the salesperson is not your buddy. Do not establish an amicable relationship with a salesperson until you have signed the forms and the deal is done. Up to that time, he is just representing the dealership in your particular business deal.

The salesperson surely will try to create a friendship with you since such a personal empathy will increase the probability that you will agree to unfavorable prices and terms. It is for this reason that you must maintain the relationship as a serious business transaction.Performing some research before you go to the dealership will help your bargaining position. Check the newspaper for advertisements showing prices for the automobile in which you are interested. You can also obtain good insight by finding the Kelly Bluebook value of the vehicle.Should you be determined to discover just exactly what the vehicle is going to cost, find several previous customers who purchased the automobile you want and examine the terms of their sales contracts. With this data, you can calculate the best cost for your automobile by contrasting baseline price plus the cost of add-ons.

Remember that the dealership needs your business more than you need the dealership! They cannot simply scare up another customer, but you certainly can locate another dealership should you not get satisfactory terms.Lastly, do best to exude confidence via your speech, actions and even your stance. Demonstrate to the salesperson that you have no self-doubt whatsoever, and he will not have the opportunity to use it against you. Do not forget that you are in charge! And never agree to buy the vehicle until such time as you are satisfied with both the vehicle and the terms of the sale.

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