Home Design Services

To own a home that you actually designed and created according to your taste is virtually everybody's ambition. Rather than just renting or buying a house was designed by someone else, you of course would want a place that you have planned yourself to fit your likes. But designing a house could be a very difficult endeavor. Chances are you do not have a background in architecture and could probably only draw stick figures. How then can you put into paper what you have in mind about the house of your dreams?

Fortunately, this problem may easily be solved by availing of home design services that could make the job so easy and convenient for you.

Here are among the many reasons you should avail of home design services:

-Home design services could boost your ideas and help you create beautiful house designs that you find difficult to translate into an actual plan.

-Home design serves may also work according to you budget so that you do not overspend nor would you be too stingy about your dream home.

-You can still add your personal touches because the home design service would cater to your needs and preferences.

-Home design services would do the actual sketching and drafting job for you, plus many more services that would help you build a home.

-You would not be wasting your paper and pencil because the plans that home design services make are very efficient and cost effective. They would know how best to fit the cabinets and furniture you would want to have in your house.

-Home design services could go beyond the floor plan of your house, they could also help you plan your landscape and other elements included in your dream home.

-You can get sound advice regarding technical matters such as the plumbing and the electrical wiring system of the house because they know a lot of such details. Home design services may even tell you the kinds of cooling, water, heating, and power systems you might need.

-You can ask home design services different materials to visualize your dream house such as blue prints, computer aided graphics, prospective sketches and even scale models.

-It is also better to be able to talk to someone as you plan your dream home. When you avail of home design services, you would be working other human beings and be able to share with them the joys of planning your home.

What to look for when availing of home design services:

1. Service package inclusions – the home design service provider you choose should go beyond just drawing floor plans and making blue prints. They should be able to give you different perspectives and useful suggestions regarding the house you are dreaming about. They should be able to listen to your wants and follow them as much as possible given the constraints of your resources.

2. Good Communication Channels – you would want the home design service company to be easy to deal with. The main reason you are availing of their service is that you need help to design your house, and thus you should be able to have an effective means of communication to do this.

3. Good Service – the service provider should be able to assist you with all your needs. Designing a house is a complex matter, and they should be very knowledgeable about issues of building a house.

Designing your house can be very fun and exciting and it can definitely be made easier with the help of home design services. So why not look through your local directory or search the web to check for home design services near you.

Posted in Home Design | Comments Off on Home Design Services

Code of Civil Procedure Section 1179 Motion for Relief From Lforfeiture of Lease in California

A Code of Civil Procedure section 1179 motion for relief from forfeiture of lease in California is the topic of this article. This motion is made pursuant to the provisions of Code of Civil Procedure section 1179 on the grounds of hardship and can be used to obtain relief against any forfeiture of a lease or rental agreement, whether written or oral.

Code of Civil Procedure section 1179 states in pertinent part that, “The court may relieve a tenant against a forfeiture of a lease or rental agreement, whether written or oral, and whether or not the tenancy has terminated, and restore him or her to his or her former estate or tenancy, in case of hardship, as provided in Section 1174.”

The party filing a motion for relief from forfeiture of a lease or rental agreement under section 1179 should include a declaration with detailed facts supporting their claims of hardship, and their claims that any breach was not willful or in bad faith. Tenants who failed to pay their rent due to losing their job but who now have the money to pay all of the back rent and all other damages and costs included in any judgment have a good argument for relief from forfeiture, particularly if they can show that they had always paid their rent on time before losing their job and that they are now employed again and plan to pay their rent on time from now on.

A noticed motion for relief from a forfeiture of a lease or rental agreement should be served and filed at least five (5) calendar days before the hearing although in certain situations the motion may be made orally.

A California Court of Appeal has ruled that a court has broad equitable discretion to relieve a tenant from forfeiture and restore them to their former tenancy in cases of hardship. The law absolutely abhors forfeitures. The Court must impose statutory conditions such as full payment of the rent that is due or full performance of all conditions and covenants of the lease or rental agreement.

Relief from forfeiture is more likely to be granted if the lessor can be placed in the same position as if the breach had not occurred. The principal reason for this is that the penalty of forfeiture is essentially designed to secure the payment of a certain sum of money. If that money is paid with interest, the true purpose of the forfeiture is satisfied.

Courts can also exercise their equitable powers and balance the equities allowing them to take into account all of the relevant circumstances such as whether the breach by the tenant was willful or in bad faith, whether the landlord has acted in good or bad faith, etc.

To view the entire text of any code section cited in this article or any other California code sections use the link shown below.

http://leginfo.legislature.ca.gov/faces/codes.xhtml

Posted in Education | Comments Off on Code of Civil Procedure Section 1179 Motion for Relief From Lforfeiture of Lease in California

Social Entrepreneurship – Now is the Time

Social entrepreneurship is a major area of interest in many social and civic organizations and has a significant impact on many areas of society. During the past decade economic resources have become more difficult to acquire and society has continued to exhibit economic and cultural decline. Concurrently, communities are in need of initiatives that will enhance their financial viability and programs that will enhance the overall viability of the population.

Social entrepreneurship initiatives are ventures that can serve as a method of increasing the social value of a community, organization or cause while enhancing the financial viability of a not-for-profit organization. With this being stated, social entrepreneurship has been defined in different ways by many different theorists. Gary McPherson, Executive Administrator of the Canada Centre for Social Entrepreneurship, states that social entrepreneurship involves various individuals working toward meeting social and economic goals simultaneously; while Bill Drayton, CEO of Ashoka, defines social entrepreneurship as a term coined to describe “individuals who combine the pragmatic and results oriented methods of a business entrepreneur with the goals of social reform.”

A more basic definition of social entrepreneurship states that it is “the process of using entrepreneurial and business skills to create innovative approaches to social problems.” Therefore, it is a methodology that is presently being used to resolve community and societal concerns globally. Social entrepreneurship as an area of specialized entrepreneurship is not defined by the same titling in every culture. For example, in Latin America countries social entrepreneurship initiatives are referred to as “Micro Enterprise.” In India the same program would be identified as a “Social Mission.” Though termed differently in various regions, social entrepreneurship initiatives are being implemented to solve specific societal and community concerns by focusing on the needs and resource availability within specific geographic regions.

Social Entrepreneurship in Education Throughout the United States, many top tertiary level academic institutions are enhancing their business programs by including a curriculum that caters to the study of social entrepreneurship. In 2003, the Center for Responsible Business was launched on the University of California Berkley Campus. This subsidiary of the Haas School of Business was implemented with the intent of training students to be more principled and socially responsible members of society through attending “the preeminent educational institution in area of Corporate Social Responsibility.” Stanford University also has established a Center for Social Innovation as a part of its graduate school of business. This center was founded with the mission to “build and strengthen the capacity of individuals and organizations to develop innovative solutions to social problems for a more just, sustainable and healthy world.”

In 1993, Harvard Business School started its social enterprise program with its mission of “generating and sharing knowledge to help individuals and organizations to create social value in the not-for-profit, private and public sectors,” and the University of Miami has refocused its business school curriculum to include coursework in the areas of ethical-decision making, social entrepreneurship and community engagement with the primary focus being to expose students to various areas of civic engagement while concurrently teaching them leadership and team building skills.

Tertiary level institutions, including Duke, which has established a Center for the Advancement of Social Entrepreneurship as part of its Fuqua School of Business, and Columbia University where the research initiative on social entrepreneurship is embedded in its school of business, have also made strides to enhance the study and education of those seeking to venture into areas of social entrepreneurship and social venture implementation. The Association to Advance Collegiate Schools of Business-International (AACSB – International) has identified over twenty-four tertiary level institutions that have included social entrepreneurship as a part of their business college and or business curriculums.

With social entrepreneurship being perceived by many as a new way of stimulating social change, Idee Winfield believes that the implementation of community-focused service learning projects is the first step in exposing youth to the various attributes associated with social entrepreneurship. Through community involvement, youth will begin to visualize and experience the various social issues within their community and envision ways to solve these problems. Winfield states that social entrepreneurship should be promoted in primary and secondary education, and coursework should be adjusted to allow students to “see how abstract socially focused concepts can have real world applicability.” Jeffrey Soderborg, a member of the Kauffman Center for Entrepreneurial Leadership Clearinghouse on Entrepreneurship Education, is also an ardent proponent of social venture education who believes that social entrepreneurship would be more readily accepted if youth were exposed to information expounding the laurels of these initiatives during their primary and secondary academic years.

As youth expand their horizons through the establishment of entrepreneurial efforts, knowledge and exposure to information about the process involved in the establishment of entrepreneurial business effectively plays a major role in the rate at which business entities are established. A study focusing on entrepreneurial interests among black youth ages 14 to 19 identified that 75% of the youth surveyed had interest in becoming entrepreneur. The study also found that these minority youth believed that more information about entrepreneurship should be presented through their schools. They also believed that entrepreneurs have a responsibility to reinvest in their community.

Corporate Social Responsibility

Personal values often serve as the justification for entrepreneurs to focus organizational efforts on socially focused ventures. The organizational decision to forgo pursuing financial gain with the intent of using the corporations’ profit resources to enhance a community is often referred to corporate social entrepreneurship. Corporate Social Entrepreneur (CSE) is a term used to describe corporate initiatives whose primary focus is to enhance a social concern and whose secondary focus is financial gain. The corporate social entrepreneur differs from the financial profit seeking entrepreneur in the area of decisions made that affect the community and environment in which their organization functions. Research identified that in corporate social entrepreneurship business acumen serves as a factor in the success or failure of social venture initiative implementation. Research identifies that success factors associated with the implementation of social responsibility initiatives were linked to whether the entrepreneur exhibits behavior that is moral, amoral or immoral.

The amoral entrepreneur would pursue initiatives only if they were deemed acceptable by the organization as a whole. The immoral entrepreneur implements initiatives based on what can be potentially gained for self as well as for the stakeholders, while the moral entrepreneur would pursue social responsibility initiatives based on what was in the best interest of the organization. Individuals identified as corporate social entrepreneurs are individuals who are more active in community activities and are actively involved in social responsibility efforts. Corporate social entrepreneurs also are more likely to implement social responsibility initiatives based on an organization’s long term objectives.

While many corporations are looking for ways to increase their social responsibility efforts, in some regions corporate responsibility efforts are not progressing. A policy paper, “Corporate Social Responsibility in Latin America and the Caribbean,” documented that corporate social responsibility activity in this region has “stalled.” The reason for stagnation in this region is “minimal government involvement” and the lack of “private sector involvement.” It was also identified that initiatives to implement programs focusing on social responsibility are often initiated outside of the market, and then subsequently not embraced by stakeholders who reside within this geographic region.

Corporations are continually looking for ways to increase corporate advantage through their social responsibility efforts. While proponents of corporate social responsibility believe that corporations are obligated morally to engage in efforts to enhance social, community and environmental concerns, many stakeholders believe that social involvement should only be initiated if the efforts are going to strengthen the organization’s image, brand, moral or stock value. With this in mind, corporations have separated social issues into specific categories.

These categories are social concerns that are general, social concerns that are value chain based and concerns that focus on social dimensions of competitive contrast. Generic social issues are identified as social concerns that do not directly affect the company’s operation and do not have an effect on a company’s competitive advantage. Corporations are least likely to get involved or invest in projects that focus in these areas because they will not receive a high value of return on their involvement. Value Chain Social Impact issues can significantly affect a company’s operation and can have an impact on the way a company conducts business. Corporations are more likely to be involved in value chain concerns, but only after conducting due diligence studies to ensure that a return on investment will be achieved over time.

Social issues that affect a company’s financial profitability or serve to enhance or increase a company’s competitive edge are likely to be areas that a company will invest in because of the direct impact that these initiatives will have on the company’s overall viability and stability. An example of a social dimension projects is General Electric’s investment in under-performing high schools throughout the country. General Electric believes that through investing financial and professional resources in under-performing high schools in areas where they have substantial financial investment, they are investing in enhancing a community, as well as directly increasing their future employment prospects.

Whole Foods Market is an organization that has taken control of its social value position through purchasing products from local farmers. Also, Whole Foods maintains strict controls over all of the products produced and sold in all of its locations. They even have extended their social and ecological efforts through offsetting the use of in-store electricity with the installation of wind conversion generators, converting their trucks to operate on bio-fuel and trucking spoiled produce to regionally located compost sites. Though the investments in these technologies may be costly at the onset, the long term financial, civic and market exposure benefits far exceed any initial costs incurred.

In the area of corporate philanthropy many corporations are at a loss. They continue to be involved in the conflict between philanthropic giving and investor requests for increased profits. For this reason many corporations engage in context-giving programs. Context-giving programs are programs that are defined as allotting resources to specific projects that will enhance the community while simultaneously enhancing the corporation.

Examples of context-giving initiatives include the Cisco System Networking Academy, which trains computer network administrators and provides job opportunities to those who complete the program; the DreamWorks SKG film production program that trains low-income individuals in occupations that are needed in the film and entertainment industry; and American Express Travel and Tourism Academy which trains high school youth for careers in the hospitality and tourism industry. Corporations that invest in corporate-giving social venture programs are concurrently gaining positive return on their social investment, improving the economic climate of the communities where they are located and gaining positive exposure for their organizations.

At times social ventures do not have the intended impact on the community. A study focusing on the impact of community focused business ventures found that businesses started with the intent of enhancing a community often lose focus by becoming focused on profitability and competition. Competition and self-focused motivators were identified to be factors that played an additional role in the impact and economic role that entrepreneurial ventures have in community settings.

While many foundations, trusts and philanthropic organizations, accumulate and distribute resources with the intent of providing services to enhance specific community or social causes, many of these organizations are looking for ways to gain public exposure for their efforts. Organizations also attempt to leverage their gifting efforts through seeking not-for-profit organizations that are willing match the funding received. The success of funded programs is evaluated through performance outcomes and indicators, and through promoting the organization’s work through success stories provided by program clients. These methods are viable ways for funding agencies to acquire value and exposure through their philanthropic efforts and simultaneously continue their efforts to enhance the communities in which they invest.

With the social philanthropic efforts of Warren Buffet and Bill Gates gaining a high degree of attention, and many leaders engaging in activities to promote social advocacy, corporations are seeking ways to also gain exposure with social entrepreneurship. Social entrepreneurship from the corporate perspective can be defined as corporate social initiatives used by a corporate entity as vehicle to show support for social causes. In recent years, many Fortune 500 companies have implemented social ventures with the intent of enhancing their corporate image through providing funding for various social causes.

McDonald’s is one such company that has funded social causes for many years. McDonald’s primary social venture is the Ronald McDonald House Charities. The Ronald McDonald House provides lodging for the families of adolescents, ranging in age from birth to 18, who are receiving critical care for illness in communities that are away from their community of residence. The Ronald McDonald House allows families to reside in these temporary living facilities throughout the child’s period of treatment at no charge.

The Federal Express Corporation also funds programs focused on the implementation of socially responsible programs. FedEx is a supporter of St. Jude’s Children’s Hospital and has been acknowledged by Reader’s Digest as one of “Americas Best Charity Minded Corporation.” Federal Express has also been recognized for providing funding for numerous community and civic organizations, including March of Dimes, Heart to Heart organization, an organization that focuses on delivering food and health resources globally, the United Way and the National Civil Rights Museum. These are just a few of the charitable initiatives that allow Federal Express to present itself as a socially conscious organization.

Virgin Mobile has partnered with Youth Noise, a not-for-profit organization that brings youth together for networking and brainstorming opportunities, and Stand Up for Kids, the largest all volunteer not-for-profit organizations in the United States, to implement an initiative to expand its corporate social responsibility activities. The project involves recording artists donating ring tones to Virgin Mobile and through partnership agreements, 5% of the proceeds received through ring tone sales are donated to various “Virgin Mobile Charity Partners.” This initiative, established in June 2006, is being positioned to raise over $250,000 annually.

For social ventures to gain global acceptance, corporations need to become involved in ventures that allow employees and consumers to see the social, community and external benefit of these ventures. This process is identified in countries south of the United States, where the concept of social responsibility is one that has been embraced by many but implemented by few. Many government organizations expect non-government, or private organizations to take responsibility for ensuring the stability and longevity of the resources throughout this region while the private sector is looking toward government agencies for intervention.

Posted in Marketing | Comments Off on Social Entrepreneurship – Now is the Time

When To Use A Business Loan Packager

Lenders are extremely busy and are often put off by loan requests riddled with errors and/ or do not meet the basic standards of lending.

But small business borrowers with little knowledge of packaging loan requests can enhance their chances of getting funded through use of experienced loan packagers.

This is what Loan packagers do:

• Examine borrowing causes and clearly determine the borrowing need, thus eliminating vagueness and superfluous needs. Lenders are horrified by borrowers who request for loan amounts “out of the blues” based on nothing other than collateral value.

• Gather all the necessary documentation. Most borrowers are not aware of the loan documentation they need to provide to lenders. They spend weeks sending bits and pieces of information to lenders, thus agitating lenders and prolonging approval times.

• Analyze financial statements to ensure that the trends are right and all ratios make lending sense. If for example you revenues are declining, you must drill deep into the causes and mitigate them intelligently. Failure may lead to loan denial.

• Review Business and Finance Plans. Lenders have little or no time reviewing business and/ or financial plans that don’t make sense.

• Benchmark borrower business with industry peers. This helps in giving a lender the insights of the borrower’s industry and how the borrower is performing compared to the industry. If the borrower’s performance is not up to speed, then the borrower may want to undertake a business diagnosis test to identify the causes of poor performance.

• Match borrowing need with banks’ lending criteria. Banks have different lending policies based on loan amount, sector, purpose, collateral, years in business etc. Borrowers spend endless days shopping for lenders only to be denied having had several of their credit reports pulled.

• Provide insights on questions to expect from lenders. Fussy or lazy lenders will deny a loan on a flimsy excuse, such as, ‘the borrower does not maintain a budget’ or ‘the borrower is unaware of his average inventory carry’ etc.

• Advise on loan structure and terms including interest rates. Loan structure is key to getting favorable loan terms. You need to understand when to apply for a line of credit, a seasonal line, a short term loan or a long term loan. Various loans have different interest rates.

The support offered by Loan Packagers justifies the fees charged because borrowers,

• Close their loans faster

• Get very competitive rates

• Get to know their business finances better

• Reduce cost of loan-shopping

• Save on the opportunity cost of delayed or denied loans

• Minimize the number of credit reports that banks pull

The cost of loan packaging varies widely depending on the type of services provided and the complexity of the loan package.

Posted in Finance | Comments Off on When To Use A Business Loan Packager

Grow Your Avon Business – 21 Tips For Fast Success

Are you interested in growing your Avon business? Becoming an Avon representative is super-easy and there are many resources to help you grow your business and meet your personal goals.

  1. Use Avon products yourself. One of the best ways to sell a product is to know everything about it. Your regular discount and demos allow you to save money and try the products yourself first.
  2. Ask your customers for product reviews. When you pass out orders, ask your customer to let you know how the products perform. This is a great way for you to learn about products so that you can offer more information to other customers.
  3. Share your products. If you work in an office, make sure you have hand lotion to share with your co-workers. I have gotten several orders just by letting others try the lotion sitting on my desk. Another Avon rep keeps extra tubes of hand cream for on-the-spot sales.
  4. Educate yourself with training. Make the most of your business by taking Avon’s online training courses. Every new representative should start here first as courses include everything from money management, to launching your business, to entering orders. Most of the classes are 30 minutes and have downloadable text sheets. You get a certificate after completion of each and special recognition for completing certain courses.
  5. Become an eRepresentative. Curious about becoming an eRep? Customers can order online and have product shipped direct to their home. There is usually a free or discounted shipping code on the website. I tell my customers that if they don’t see one, to let me know and I will get them one! Once you become an erep, you also have access to other customer management tools. You can set up an email marketing campaign to let customers know about new products or campaigns. My customers love the “little reminder” because they often include free or discount codes. 
  6. Use your network. Share your excitement about your new business and people will be excited with you. Most of your friends already are familiar with Avon products and so they will be your easiest customers. Everyone is a member of some organization or workplace. You have an extended network of soccer moms, hairdressers, delivery people, doctor’s office workers, etc.
  7. Wear Avon jewelry. I get so many compliments when I wear a new Avon necklace. Most jewelry comes in sets, like a necklace and bracelet. They are designed to compliment fashion or seasonal colors. I have had a few tell me they were not sure if a necklace would match their outfit, but with the no-hassle return guarantee they were not afraid to return it if it did not. Oh, and I haven’t had any jewelry returns, yet!
  8. Invest in great-looking business cards. Make sure your business cards look professional, even if you buy from a discount supplier. Include a customer reward program on the reverse side. I have mine printed with a “buy in five campaigns, get 20% off your sixth campaign order” coupon on the back.
  9. Share your business cards. Leave one with the tip for your waiter, hang them in the community bulletin board area at the grocery store, give to the checkout clerk at the mall, etc.
  10. Personalize your business cards. When I hand out my business cards, I write a free shipping code offer that is good on my website. I also mention the Avon Opportunity: do you want to earn extra money by becoming an Avon Representative?
  11. Order plenty of brochures. Brochures are really your “store.” They are designed well, colorful, and cheap. The photos are very clear and often show how the makeup looks on a real person. In every campaign brochure, Avon includes their famous scratch-and-sniff perfume circles.
  12. Keep brochures handy. I keep the latest campaign brochure in my purse, as well as an outlet sale flyer. I always preview the campaign brochure so I can target market: for example, I may say, have you seen the new Avon line of mineral makeup? There is a buy 1, get 1 half-price deal on page 32 for Smooth Mineral Makeup. Wow!
  13. Buy stickers for the backs of brochures. My stickers match my business cards and large print makes them easy to read. Stickers include my name, phone number, email address, and website address. Brochures, stickers and business cards are powerful sales tools!
  14. Don’t forget special offers. Everyone loves a bargain! Use your imagination to come up with catchy ideas. How about free wrapping for Mother’s Day? Birthday and anniversary reminders? BOGO – buy one get one? Recommend a friend and get 10% off your next order? Print out Avon Bucks and include in their bag when you hand out orders.
  15. Always upsell. This is a key sales tip that really works. Say your customer buys a certain fragrance; draw her attention to the lotion. Got an order for a necklace? Point out the ring on the same page. Did your customer choose a skincare product for aging skin? Make sure she knows about the eyelift cream.
  16. Attend sales meetings. Your district manager or DM will hold sales meetings every few months where you will get an opportunity to meet other representatives, see and try new products, share your successes, and discuss sales techniques. These meetings are encouraging and fun make sure you attend.
  17. Make samples and demos work for you. Attach a sample on the page of the newest brochure where the item is listed with a paper clip. Encourage your customers to try the product. Buy a demo and either use it yourself or give to a faithful customer to try.
  18. Holiday and special days. Remind your customer that holidays and special occasions tend to sneak up on us, and you have great gifts for just about anyone.
  19. Don’t forget the male customer. We tend to forget about the guys – but they have daughters home from college, wives who love to great makeup, and mothers who love to be treated to a thinking-of-you-mom gift. Avon has some great products especially for men. Check out the after-shave conditioners and the foot care line. Don’t forget about Bug Guard for camping, hunting, and working in the yard.
  20. Use the no-hassle Return Policy to close the deal. Avon promises, “If you’re not happy with any purchase, just return it for an exchange or your money back. No questions. No fuss. No problems.” Even if the makeup is opened, if the customer is unhappy Avon will give a no-stress return. You will take back the item and use e-Z Returns for a credit. No-hassle for reps, too!
  21. Grow your team. Be ready to share your success when someone asks about the Avon Opportunity. Some of your customers may tell you they are interested in earning extra money. Avon is so successful because of people like you and me who love the products and work on growing their business.

Focus on what attracted you to Avon and build strategies to communicate that to your customers. Were you already a customer who loved the skincare products? Your testimony can be a great asset to your business. Are you excited about the earning potential? Share how you met a financial target. Avon offers training, great products, customer service, and a support network to help you meet your goals. Becoming an Avon representative is a personal growth opportunity that is also lots of fun!  

Posted in Insurance | Comments Off on Grow Your Avon Business – 21 Tips For Fast Success

Why Investing Is Important

Investing has become increasingly important over the years, as the future of social security benefits becomes unknown.

People want to insure their futures, and they know that if they are depending on Social Security benefits, and in some cases retirement plans, that they may be in for a rude awakening when they no longer have the ability to earn a steady income. Investing is the answer to the unknowns of the future.

You may have been saving money in a low interest savings account over the years. Now, you want to see that money grow at a faster pace. Perhaps you’ve inherited money or realized some other type of windfall, and you need a way to make that money grow. Again, investing is the answer.

Investing is also a way of attaining the things that you want, such as a new home, a college education for your children, or expensive ‘toys.’ Of course, your financial goals will determine what type of investing you do.

If you want or need to make a lot of money fast, you would be more interested in higher risk investing, which will give you a larger return in a shorter amount of time. If you are saving for something in the far off future, such as retirement, you would want to make safer investments that grow over a longer period of time.

The overall purpose in investing is to create wealth and security, over a period of time. It is important to remember that you will not always be able to earn an income… you will eventually want to retire.

You also cannot count on the social security system to do what you expect it to do. As we have seen with Enron, you also cannot necessarily depend on your company’s retirement plan either. So, again, investing is the key to insuring your own financial future, but you must make smart investments!

Many people like to rely on 401K plans and other investments to supplement their retirement savings. This is a good practice because Social Security may not exist after the year 2029. It is never to early to start investing in Stocks and Bonds on your own. It is, however, very important to talk to a qualified Financial Advisor before you spend any money investing.

So contact a Financial Advisor such as a qualified Stock Broker and discuss your financial future with them.

Posted in Bussiness | Comments Off on Why Investing Is Important

What is PP in Digital Photography?

Of course, we would like to say, that this is PP Group – a leading team in the photography branch, because this is our name! Because we are PP Group. But PP in the Digital Photography means something else.

Our research shows, that most of the people use this abbreviation – PP in digital photography conversations to say the word “Photoshop” shortly. It comes out from the first and the last letters in the word – P. Normally the Photoshop software is in use from the Professional Photography, because it offers a lot of abilities for picture optimization and getting higher images quality.

Another use for PP with the photography stuff is when people are trying to say “Post-Processing” shortly. In this case people are talking about the Post-Processing in Digital Photography or for short: “PP in Digital Photography”.

You can see the PP abbreviation, when it says “Photographic process”. It means the processing, developing photographs. As we understand there is even a book, called this way – “Photographic Processes”, which describes the PP – color-negative / color-reversal processing, shooting and developing photographs. Color and B&W (Black and White) film and print processing, as well.

And talking about print processing we remembered that there is another PP meaning, which is used in digital photography conversations. That’s right! This is the Photo Printer’s stuff or the Photo Paper’s stuff. There are even some printers’ models that are called “(something) PP”. One of them is a Canon’s model. Or photo paper, called “high gloss photo paper PP 101D” or something similar.

May be you will hate us, but we feel the need to share with you, that there is another PP abbreviation and it’s for Pocket Pouch. Believe us – we think that this is not normal too, but it is a fact. The pocket pouches for your digital cameras can be offered in some sites or pamphlets like PP for digital cameras.

Believing or not, but you may see PP like “pages” meaning in Photography as well. There are lots of lessons, courses, lectures and articles that are written on different places – mostly in the internet and they are quotations from some photography books. When it is attended by numbers it is too possible PP to be a page number. Mostly it looks like this way: pp 136-278, and means, as you know – pages 136 to 278.

Well, it is not so difficult to understand what is PP in the Digital Photography now, when you know the rest of the text. You can assess which meaning will be helpful for you and to understand the main text idea.

It is too possible to see another PP meaning as well; another not described here, because people like to use abbreviations. But, don’t forget that in general currency PP means “Photoshop”, when the conversation is for the Photography.

Posted in Recreation | Comments Off on What is PP in Digital Photography?

How Popular Is Bodybuilding Today

In today society, a lot less people have started bodybuilding, and more people have started fitness model programs. Not a lot of people want to be huge with massive biceps and big chest anymore. Instead, they would rather want to have a lean, ripped physique of a cover shoot model. How has bodybuilding popularity declined in the last twenty years? I’ll show you how and why people shun bodybuilding and how you can make a difference.

Back in the “Golden Age” of bodybuilding, people were fascinated at how men can develop their muscles in way that makes people want to start bodybuilding themselves. Take a look at Eugen Sandow, the “father” of bodybuilding. He had a lean, muscular, ripped physique with insane ab muscles. Then came along other bodybuilding icons, like Steve Reeves, Reg Park, and many other famous athletes. But the real bodybuilding craze began with Arnold Schwarzenegger, after appearing in the bodybuilding movie “Pumping Iron”. Widely considered to be the greatest bodybuilder ever, he made bodybuilding and himself a household name. From that point on, people opened many gyms everywhere to start bodybuilding, whether it’s to go professional or just to build muscle. Movie directors recruited bodybuilders like Arnold to star in their movies. For a long time, the bodybuilding era was spreading all over the world.

But what went wrong? How did this era slowly dwindle away? Simple. People started getting “too big, too muscular”, which made people think that it looks impulsive, overbearing, and to add it all up, disgusting. Today, bodybuilders want to be bigger and muscular than their opponents. Bodybuilders like Jay Cutler and Ronnie Coleman are perfect examples of people are “overdone” their muscle growth and development. What really put a stop to this era was the movie “Fight Club” with Brad Pitt, where the lean, muscular body was introduced, and people realized that you don’t have to big, you just have to get lean. My opinion is that men have become “feminized”, meaning they want a body that will look more attractive to a woman and people start modeling like women, which is easy to understand why men today wear pink t-shirts or shirts that say “Real men wear pink”. This is absurd!

Let’s talk about Arnold for a moment. Why do you think he was considered the best bodybuilder? Was it because he had the biggest muscles? Or than he had a confident presence when he went on the bodybuilding stage? Maybe it could be that he gave the best advice on building muscle? It was any one of these three reasons. In the movie “Pumping Iron”, Arnold talked about having the perfect physique. He said, “You have to get you proportions right. If you look in the mirror and say “Okay, I need a little bit more deltoids. So you would go to the gym and put those deltoids on. Where as an artist would just slap his brush on a picture there it’s done. We have to do it the hard way because we building the human body. Now some people will look at you funny like you’re doing something strange, but it’s not really something a lot of people know about. And once you find out about it, you understand so much about bodybuilding that you haven’t realized before”.

You see? Arnold had the perfect proportional body, and bodybuilding enthusiasts knew that. He differs a lot compared to today’s bodybuilders, who build their bodies out of proportion. So how can you make a difference in building muscle? Get you proportions right. Let every muscle be just right, not smaller or bigger than it needs to be. Hope you enjoyed this article and will properly make the best in building muscle.

Posted in Health | Comments Off on How Popular Is Bodybuilding Today

Philosophy of Deconstructive Architecture

We often relate the Deconstructive Architecture with the works of world famous architects like Frank Gehry, Zaha Hadid, Coop Himmelb (l) au, Peter Eisenman, Rem Koolhaas, Bernard Tschumi, Daniel Libeskind. But before labeling an Architect as ‘Deconstructive’ let us understand the Philosophy behind –

The term Deconstructivist Architecture was first used in 1988 as the title of an exhibition at the Museum of Modern Art in New York, curated by Philip Johnson and Mark Wigley. Seven architects assembled beneath this ambiguous banner, they were – Peter Eisenman, Daniel Libeskind, Zaha Hadid, Frank Gehry, Koolhaas, Tschumi, and Coop Himmelb(I)au-and were unambiguously seen as “theoretical”. They were criticized by both proponents of various “postmodernisms” and conservative anti-intellectuals. Any idea that “Deconstructivism” was a movement with substance beyond this exhibition was rejected. Yet nearly twenty years later these so called theoretical architects have developed themselves as major practitioners on a global scale. Still theoretical in formal and programmatic stance, they are much more than theoretical in practice, since it is apparent in some of the most significant cultural commissions of the late twentieth century.

As is admitted by its practitioners, deconstruction aims to take form apart – to degrade connections, symmetries, and coherence. This is exactly the opposite of self-organization in complex systems, a process which builds internal networks via connectivity. Extra binding energy is required to hold components together. Natural morphogenesis unites matter, establishing multiple connections on different scales and increasing the system’s overall coherence; whereas deconstruction undoes all of this, mimicking the decay and disintegration of form. For this reason, deconstructivist buildings resemble the severe structural damage such as dislocation, internal tearing and melting suffered after a hurricane, earthquake, internal explosion, fire, or nuclear war!

“This is an architecture of disruption, dislocation, deflection, deviation and distortion, rather than of demolition, dismantling, decay, decomposition, or disintegration. It displays the structure instead of destroying it.”

The deviation from the structural order, threatening the former values of harmony, unity and stability, is therefore isolated from the structure, and can thus be considered as an adornment. The qualities of unity, harmony and balance arise from the geometry of purity and strict composition. The merging of such pure forms adhere compositional rules which do not allow one geometry/form to conflict with another and therefore the overall harmony is maintained. But form is no longer pure with Deconstructivism. It becomes adulterated by some variety of ‘alien’…

“The alien is an outgrowth of the very form that it violates; the form distorts yet does not destroy itself.”

The nature of the word proposes a reversal of construction, thus architecture which seems to take ‘knock down’ a structure, is being called Deconstructive. However Deconstruction is not the dismantling or disassembling of constructions! The imperfections, or ‘contamination’, do not result in the total collapse of structure. Deconstruction, as per Wigley, is a challenging of the values of harmony, coherence and balance. It suggests a new interpretation of structure; that the imperfections are inherent to the structure, and therefore can’t be removed. The flaws are structural!

A Deconstructive architect is therefore not one who dismantles buildings, but one who locates the inherent dilemmas within buildings!

Posted in Home Design | Comments Off on Philosophy of Deconstructive Architecture

Python Programming Language Is Considered Better Than Other Languages

Python is a high-level scripting language. It is easy to learn and powerful than other languages because of its dynamic nature and simple syntax which allow small lines of code. Included indentation and object-oriented functional programming make it simple. Such advantages of Python makes it different from other languages and that’s why Python is preferred for development in companies mostly. In industries, machine learning using python has become popular. This is because it has standard libraries which are used for scientific and numerical calculations. Also, it can be operated on Linux, Windows, Mac OS and UNIX. Students who want to make future in Python are joining online video training courses and python programming tutorial.

Features of Python: A question to arise is why machine learning using python is preferred over other languages? This is because Python has some features over other programming languages. Here are some basic features of Python making it better than other languages:

  • Python is High-level language. It means the context of Python is user-friendly rather than machine language.
  • The interactive nature of Python makes it simple and attractive for users. In interactive mode, users are able to check the output for each statement.
  • As an Object Oriented Programming language, it allows reuse and recycling of programs.
  • The syntax of Python is extensible through many libraries.

Applications of Python: There are a lot of advantages of Python making it different from others. Its applications have made it a demanded language for software development, web development, graphic designing and other use cases. Its standard libraries which support internet protocols such as HTML, JSON, XML, IMAP, FTP and many more. Libraries are able to support many operations like Data Scraping, NLP and other applications of machine learning. Due to such advantages and uses, students are preferring python programming tutorial rather than other languages. Also, there are many online video training courses available, user or any interested candidate can buy them from any place. No need to worry about location, it can be learned from their home.

How to Learn Python: Since Python has shown its enormous applications and use cases. It is mostly used in Machine Learning and Artificial intelligence companies as a basic programming language. Students who want to start their career in AI and machine learning should have a basic understanding of Python. There are many online video training courses and python programming tutorial available to join. Further, it is an easy programming language to learn as a beginner. Online courses or tutorials can help the beginners to learn Python. It can be learned quickly because user can think like a programmer due to its readable and understandable syntax. With Python we can develop anything by computer programs, only need is to spend time to understand Python and its standard libraries. PyCharm is its IDE which makes interface so easy and comfortable while learning. With the help of debugging feature of PyCharm we can easily analyse the output of each line and the error can be detected easily.

Conclusion: Python is used in many big companies such as Google, Instagram, Dropbox, Reddit and many more which means more job scopes in Python. Due to increasing demand of Python programmers, students and beginners in industries are choosing Python as their core programming language. Also the features of Python make it very easy to learn. It can be concluded that Python is best language for beginners to start as well as a powerful language for development. It is good for scientific and numerical operations. Thus many students are opting online video training courses for python programming tutorial. So, they can learn from anywhere and make their career in Python programming.

Posted in Education | Comments Off on Python Programming Language Is Considered Better Than Other Languages