7 Reasons Why People Buy Darjeeling Tea Online

October 11, 2016

Darjeeling tea is loved around the world, and is grown in the aromatic tea region of the beautiful Himalayan mountain range in the city of Darjeeling. There are various types of blend of this tea, such as Green, Black, White and Oolong. The Darjeeling blends happen to be the favorite of everyone, due to their freshness, attractive aroma and light color. Makers of Darjeeling tea take a lot of care to preserve the amazing features of the blends of the area. Find out about the 7 main reasons why people love to buy Darjeeling tea online.1) Wow-worthy tasteThe fine taste of Darjeeling tea is the first thing that attracts so many tea drinkers to it. It tastes much like Muscat wine, and this is the reason why it is called the “Champagne of teas”. The blend has a fruity flavor and its musky, sweet notes make it one of a kind. These teas are available in different varieties, with floral sweet taste as well as a little astringent taste.

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2) Weight control benefitsTea from Darjeeling tea estates is a rich source of caffeine, which can prevent additional weight gain. The substance accelerates the metabolic rate and further increases the effectiveness of exercises. Any individual who wants to control his or her weight can benefit from the consumption of this type of beverage.3) Stress relieving propertiesThis kind of tea happens to be packed with catechins, a type of antioxidant and natural phenol that can improve blood pressure and offer relief from stress as well. These complex organic molecules can help reduce pain sensations. Regular consumption of the tea is important for people who would like to de-stress themselves amid the hectic activities of daily life.4) Preventing gastric disorderDarjeeling tea also helps improve gastric health. It can help heal gastric cancer as well as prevent the development of stomach ulcers. The brew reduces the proliferation of the bacteria known as Helicobacter Pylori, which can cause severe ulcers in the stomach. This kind of brew has plenty of health benefits, and tea traders in Darjeeling attempt to maintain the quality of various varieties.5) Making the immune system strongerDarjeeling tea is also extremely effective in improving the natural immunity. People who tend to catch cold or flu easily should consume at least 1 cup of Darjeeling brew on a daily basis. The tea contains a type of enzyme known as Theanine, which can improve the ability of the body to combat infections.

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6) Enhancing tooth healthOrganic Darjeeling tea, particularly of the black variety, can prevent the decay of tooth and reduce the formation of cavity. Daily intake of this tea blends can prevent the decay of tooth. Some studies indicate that the intake can help destroy cancer-causing organisms and help prevent oral cancer and other cancerous conditions.7) Preventing viral infectionsRecent research indicates that the consumption of black tea can eliminate germs, such as those that cause skin infections, cystitis, pneumonia, herpes and diarrhea. Some studies show that drinking black tea can neutralize viruses in the mouth.

Skip The Lines – Bring The Amusement Park Right To Your Own Back Yard

September 21, 2016

There’s no shortage of things to do in Atlanta. From professional sports to amusement parks, there’s something for everyone. In fact, Atlanta is proud to house some of the nations largest amusement attractions, including the ever popular Six Flags Over Georgia. Children (and adults) love the thrill and adrenaline rush of the large roller coasters. However, one thing most people don’t like about amusement parks is the long lines. By the time it’s all said and done, you can spend several hundred dollars for your family to have an afternoon of fun, and only get a few rides in. This year, instead of spending the day waiting in long lines for short rides, why not bring the fun right to your back yard? With today’s technology, you can literally do just that! One of the advantages of living in a large city like Atlanta is that we have large rental companies that can make your special event feel just like a trip to Six Flags… complete with a train and an ice cream cart!

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If you’re trying to replicate the amusement park feel, there are definitely specific items that you’ll want to be on the lookout for. As mentioned previously, ice cream carts and trackless trains help make the special event feel more like a day at Six Flags.In order to make your next special event more special, try some of the following tips:

Head online to do some research on the party rental company that has the selection your looking for. If you want an ice cream cart to complete your theme park adventure, look around until you find what you’re looking for.

Don’t settle for the first website you see. There are literally hundreds of inflatable party rental companies in Atlanta. Keep looking for a website that offers a wide variety of rental items that you’re looking for.

It’s better to rent everything from one company. Renting in bulk can help you save money. Larger companies will offer discounts for larger purchases of multiple units and rental items.

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Having a day of amusement park fun is cheaper and easier than ever before. By bringing the amusement park to your front door by using a party rental industry, you can include more people at a lower price. So next time you’re planning a special day, instead of spending tons of money for just a few people and braving the long lines of amusement parks, invite the whole neighborhood and bring the amusement park right to your own back yard!

Financial Planning – A Road Map to a Secure Financial Future

August 31, 2016

Would you leave on a trip to a new destination without a map? What if your destination is a successful financial future? Without a map, would you know how to get there?Financial planning provides a road map for your financial life. It can make the journey less stressful, more fun, and more successful. And, you can start right now – even if only a few steps at a time.In today’s uncertain economy, financial planning has become increasingly important. With an overwhelming number of options for saving and investing, managing your finances can be difficult. Creating a financial plan helps you see the big picture and set long and short-term life goals, a crucial step in mapping out your financial future. When you have a strategy and a financial plan, it’s easier to make financial decisions and stay on track to meet your goals. Working with a CFP CM professional can secure your financial wellbeing and give you peace of mind and help you reach financial planning success.Some people decide to do their own financial planning, but you may want to seek help from a Certified Financial Planner CM professional if you:Want to better manage your finances, but aren’t sure where to start.
Don’t have time to do your own financial planning.
Want a professional opinion about the plan you’ve developed.
Don’t have sufficient expertise in certain areas such as investments, insurance, taxes or retirement planning.
Have an immediate need or unexpected life event.

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Destination: Setting Goals
Financial planning starts with setting goals. After all, you need to know where you want to go before you can decide how to get there. Your goals can be short-term – for example, paying a credit card debt in six months; medium-term – such as saving for a down payment on a house in two years; or long-term – such as sending your kids to college in 15 years or your retirement. Write your goals on paper, including rupee terms and dates. Keep the list in sight so you can refer to it for motivation as you keep working toward your goals.Starting Point: Where Are You Now?
Next, get a realistic picture of where you are financially. List everything you owe (liabilities) and the value of everything you own (assets). Also, track your monthly income and expenses in a notebook or on a budget form. Even if it’s not a pretty picture now, that’s OK. You’ve faced your financial situation, and financial planning will help you improve the picture.Avoiding Potholes: Insurance, Debt, Job Loss, Taxes and Estate Planning
Financial potholes will inevitably come your way – stock market downturns, recessions, losing a job, wrecking the car, paying for an illness. You may not be able to avoid these potholes, but you can minimize their financial impact. Here are a few suggestions:• Have adequate insurance. Insurance prevents financial catastrophes, so don’t put off getting it. Insure what you cannot comfortably afford to replace. For most people, that means having the following insurance: auto, renters or homeowners, liability, health, disability and life insurance (if someone depends on you financially). Take advantage of insurance offered to you at your job and supplements it with insurance you buy on your own. Shop for the best price, but make sure you buy from a reputable, financially sound insurance company.• Control debt. Having a lot of debt puts you at financial risk. If you’re spending more than you earn, start using a budget to plug spending leaks, and make paying off your credit cards a top priority.

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• Job loss. You can’t control the economy or a company layoff, but you can control how much time you invest in keeping your skills sharp and in meeting people who may help you find a job in the future.• Taxes. Computer software can help you find deductions on your tax return. However, if your financial situation is complex, you may benefit from working with a tax or financial professional who can suggest tax strategies and make sure you are getting all of the credits and deductions due to you.• Estate planning. Every adult should have these four basic documents: will, general durable power of attorney, medical power of attorney and a living will (also called a medical directive). A financial planner can guide you and refer you to an estate planning attorney to draft these documents.There are many benefits of financial planning. If any of the above questions apply to you, it may be time to call a Certified Financial Planner CM professional to help you reach your financial goals and achieve financial success.

Traveling With Electronic and Electrical Appliances

September 21, 2016

Whether they’re traveling for business or for leisure, every international guest that stays at a hotel or a bed-and-breakfast inn brings along an electronic or electrical appliance to use during the trip. Almost always there’s a mobile phone or smartphone, a tablet, or a laptop in their luggage. Most laptops or phones have dual-voltage capability and only need corresponding travel adapter plugs that fit into the sockets of the country they’re visiting. The following information should help travelers choose the right adaptor plugs to bring along in their trip.About Electronic and Electrical AppliancesThough both categories of appliances run on electricity, electronic appliances often need transformers with specific outputs, such as a power converter that accepts an input of 110 to 120 volts and only outputs 220 volts. Appliances with electronic circuits or chips, such as clock radios, battery chargers, and computers, should be used for short periods of time, preferably less than three hours. Plugging in these electronic appliances for long might cause overheating and lead to fires.

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Meanwhile, electrical appliances that provide simple heating functions, such as a flat-iron, water heater, or hair dryer, must be used with a converter or transformer with the corresponding wattage for no more than an hour at a time. The sockets available in bathrooms of hotels and inns in European countries maybe labeled as 220 to 240 volts AC, but these were designed for use with low-wattage appliances such as shavers and electric toothbrushes that need around five to ten watts. They’re not fit for use with a hair dryer, a travel iron, or a phone charger for long hours.Identifying Dual-Voltage Appliances and WattageIf you want to know whether your appliance is dual-voltage, simply check its package for a 120/240 label or look at its plug for any embossed electrical information. These appliances won’t need a converter or power transformer. However, you may still need to find their wattage. When only the voltage and amperage are given, the formula to find the wattage of an appliance simply multiplies the volts with the amps. For instance, 120V multiplied by 0.5A equals 60W, which means an appliance that needs 120 volts at 0.5 amps should run at 60 watts of electricity.Travel Adapter Plugs and Power Output StandardsMost homes and businesses in the United States, Canada and Mexico use 100 to 120 volts of power with around 60 Gigahertz of alternating currents. The rest of the world outputs 200 to 250 volts at around 50 Gigahertz of alternating currents per cycle. Most travel adapter plugs used in North and South America have two parallel flat prongs for the non-earthed types while the earthed type has a grounding pin below.

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In some countries in Europe, the plugs must have two rounded pins parallel to each other. Grounded types have a third pin or flat prong below the pair. Great Britain, in particular, uses a double-rounded pin plug with a flat prong for grounding. In France and Belgium, their plugs have grounding clips instead along with the two-pronged structure. In Australia, the prongs were arranged in a V-shape set at an angle to each other.

India Debt Collection Business

October 31, 2016

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

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

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

First Things for Small Business Event Marketing

August 31, 2016

In the beginning, we have an idea. The idea is an event where people can come together and trade, grow their network, and live outside of normal routines for just a few hours. The event is birthed and excitement builds quickly. Visions of a crowd smiling are everywhere.The beginning is a critical time. We are motivated and moved to make something happen. Without question, this is the time to put together a few major pieces that will make the event process move smoothly. If done quickly, it can make the event better or more realistic for the hosts. These items are 1) defining the objective of the event, 2) who is going to make it happen, the decision maker/lead of the event, 3) what is it going to take to be a great event?The objective of the event is often a large contributor to a few key ingredients. Objective defines what the event is supposed to do. It sets the foundation for the type of event it is to be, and lastly is the main guide towards the theme. Without an objective, the event may not get off the ground, rolling aimlessly towards a date without any real enthusiastic motivation behind it. Objective defines purpose. Purpose creates drive. The theme of the event puts a face to it, an image that will be memorable to prospects.Who is going to make the event happen? In a small business, it is either a hired event planner/marketer, an internal manager, or the owner. Each one has positives and negatives to lead the event to success. A person who can lead, is organized, creative, people oriented, resilient, and patient is the best person to lead the show. These qualities might not be all in one person, but can be had in a small team. Possibly everyone mentioned before is involved.

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The leader of the event will often use a committee or team to get all the work done. A small event can be done with one to three people. A large event could take a platoon of people who like to throw parties.The person who makes it all happen is a very important part of the event. Without someone to herd cats, be Keeper of the Event Plan, and be Event Therapist, the event might be lackluster. The event may fizzle or explode before the day of the show.An event planner/manager/marketer is a keystone for a great event. I have seen many small events do well with someone with basic skills. Being able to put details together by using a guide found online is very helpful. It keeps things on track. Time frames and tasks are often laid out together, making things much easier.The larger the event, the larger the skill set of the decision maker of the event. Experienced event planners and marketers can provide valuable consulting, if not be the main coordinator of the event.Defining what it is going to take to be a great event is an important answer to get. Three common factors of any event are time, money, and energy. Being able to balance the three and be able to achieve the objective is what makes a great event. (Obviously ‘great’ can be defined in many ways. If the objective is met, no money problems at hand, and no one was hurt, it was a good event.)There is only so much of any of time, money, and energy. The objective of the event, and the anticipated results of the event, will decide how much of each will occur. In relation to time, asking how long will it take to get everything done and promotions at their maximum appeal is what time is all about. Is this a big event that happens every year? Is this a test run for other events down the road? And other questions help plan when things occur, which is also a function of energy.The energy required to have a great event is defined by the objective, quantity of staffing for execution, and anticipated size of the event. How much one person can put into any event is limited. Larger events take more people. Simply put, the amount of energy that can be expended is directly related to the budget, or how much money is reasonable to make the event a success.Small businesses do not have bottomless accounts to throw large parties. An event being funded by small businesses has to see a payoff and be done within a reasonable budget. Spending too much money on staff, not enough on marketing, and more are weighted decisions that guide finding balance in the area of money.

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Looking at the objective, the amount of payoff can be calculated. Whether the event is a concert in the park or customer appreciation day at the store, cash flow can be discussed. If the event has a history, budgeting is easier. For a first time event, budgeting is difficult because cash flow can be estimated within ten percent at best. More often the margin error is larger. Expenses are the most determinable line items.Revenues from the event can be the day of the show only, like a concert. A one time event that generates money from merchandise, concessions, ticket sales and more. One day, and it is time for recovering.Revenues can be a long term objective related to brand awareness, like customer appreciation days every first Friday of the month. An ongoing event that is proven to attract a percentage of customers over a regular day is a good thing. If I know I can go to Smith Farm Supply and get a burger, I’ll likely stop by, eat, and get the things I need.When you hatch your idea, take the time to make immediate notes on how the event will occur. These notes will guide you. They will help you understand what you were thinking at the time. Too often have I lost those thoughts because they were not written down.Taking the time to pay attention to the initial parts of an event being planned will alleviate problems later.

Natural Health Sciences

August 14, 2016

Natural health sciences have taken on a whole new dimension with the creation and expansion of the large assortment of healing arts schools and colleges available today. For example, students can invest time and tuition to achieve a Bachelor’s or Master’s Degree in Science in Nutrition. Natural health studies that are provided in these degree programs involve anatomy, physiology, whole foods, organic chemistry and biochemistry, food science, nutritional supplements and herbal medicine, physical fitness, and related natural health sciences. However, be prepared — most degree programs in these and other natural health sciences require prerequisite education from an accredited school or university; and may take up to four years to complete.If you choose to pursue an education in herbology, there are a number of degree programs in natural health sciences that cover this field of study as well. Currently, candidates can apply to a Bachelor of Science Degree program with a major in herbal sciences, and earn a solid educational foundation to become an herbal instructor, herbalist, wellness practitioner, herbal medicine researcher, or holistic health practitioner, among others. Common natural health sciences that are offered in this course of study include herbal sciences, anatomy, pathology, pharmacology, physiology, biochemistry and organic chemistry, microbiology, Materia Medica, herbal preparation and formulas, and more.

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Home herbal gardeners, don’t dismay — there are a number of holistic workshops and seminars that offer natural health sciences and studies in home herbal remedies, organic gardening, iridology, and introductory classes in supplements, vitamins, and flower essences, among others.Some certificate and/or diploma programs in natural health sciences are also accessible. If you like working with people and enjoy the healing art of massage, there are numerous natural health programs that emphasis bodywork modalities like deep tissue massage, Swedish massage, sports massage, aromatherapy, hydrotherapy, and associated studies.Because natural health sciences reflect the growing demand for natural health care and complementary medicine in lieu of often invasive and risky conventional health treatments, now is the perfect time to enlist your energy and talents in the ever-expanding fields of the healing arts.

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If you (or someone you know) are interested in learning more about these or other programs in natural health sciences, let professional training within fast-growing industries like massage therapy, naturopathy, acupuncture, oriental medicine, Reiki, and others get you started! Explore natural health sciences [http://school.holisticjunction.com/clickcount.php?id=6634739&goto=http://www.holisticjunction.com/search.cfm] and similar studies near you.Natural Health Sciences© Copyright 2008The CollegeBound NetworkAll Rights ReservedNOTICE: Article(s) may be republished free of charge to relevant websites, as long as Copyright and Author Resource Box are included; and ALL Hyperlinks REMAIN intact and active.

Effective Business Management Unites Education and Training with Corporate Coaching

August 30, 2016

Business management spends billions of dollars in corporate training and education. According to a report released in early 2006, the U.S. corporate education and training market exceeded $46 billion. Additionally, business management and leadership training captured the largest percentage of program dollars with developing new and existing management along with succession planning. (Source: Bersin & Associates)With training budgets increasing and the additional focus on leadership and management development because people do not leave organizations they leave managers, achieving higher levels of positive return on investment (ROI) makes sense. Research supports that to increase training ROI begins by including coaching as an effective tactic.In a 2001 study completed by Dr. Merrill Anderson, of MetrixGlobal, for a Fortune 500 company coaching can produce a 529 per cent ROI. Additional studies since that time confirm the positive affect of coaching. Business management executives are now employing a new learning strategy that combines education and training with coaching. This is initiative is corporate coaching. So what is corporate coaching?

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Simply speaking, corporate coaching extends existing learning or what some call training by infusing one on one executive coaching within the education, training and development sessions to achieve performance improvement that generates a positive ROI. Corporate coaching is always aligned with the strategic plan and the organization’s current goals and provides a vehicle to reinforce current learning as well as a way to make necessary course corrections through both individual and team perspectives. Corporate objectives are achieved much quicker allowing for a better competitive advantage.NOTE:What corporate coaching is not – any program that cannot be aligned to the strategic plan and lacks a structured process that does not focus on pre-determined measurable results.How does corporate coaching work? The answer to that question is “that depends.” Corporate coaching is flexible and may be included within the training schedules or upon completion of the training. The real issue is to find a corporate coaching process that is results focused and uses proven tools that build the What’s in it for me (WIIFM) leading to the What’s in it for us (WIIFU). Effective corporate coaching works to further internalize the identified learning objectives and quantifies those efforts on a regular basis through consistent goal achievement.

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How do I find a corporate coach? That is a very good question since many coaches whether a certified coach or not are now offering corporate coaching services. Possibly, the best way is to find a coach who:
Is results focused
Has a demonstrated record of success that is quantifiably measurable
Has both proven developmental processes and tools that work with the strengths of your organization.
Remember, companies win because of their strengths not their weaknesses. Corporate coaching allows you to further capitalize on those very strengths that made your company what it is.

Black History Month And The First Black Republic: A Link Long Forgotten

August 27, 2016

In February each year, Americans of African descent join all other Americans to celebrate Black History Month. In many quarters of the United States and other parts of the world, celebrations of this historic event take place. Accordingly, the significance of observing a black history for a full thirty days should be viewed and manifested in many more ways than merely recalling the Emancipation Proclamation that “freed” black people from the shackles of slavery. Certainly, “a black history” in its entirety transcends the Civil Rights Movement that legally “ended” black-white segregation particularly in the United States.Even more so, the emphasis of honoring a Black History Month must be placed far above President Barrack Obama’s assumption of the presidency of the United States as the first African American to do so. Although a well-orchestrated “million-man” march on Washington in 1963 marked a pivotal point in the black man’s liberation struggles, it does not nearly define the essence of observing a full month of black history as an end in itself.It is common knowledge that the Civil Rights Movement of the 1960s headed by the late Rev. Dr. Martin Luther King, Jr. was at the height of the black liberation struggles. As significant as this historical event may seem, it was but a part of the global picture of the black man’s struggles for freedom.Therefore, it must never be seen as a cut-off point where the battle for ‘equal rights for all’ ended. It goes without saying that to assume so would equal to a presumption that with the passing of the Civil Rights Act, the struggles for equal rights and justice was over for all people of color. The truth is that to this day, there remain many more challenges for descendants of freed slaves. Lest I be misunderstood, this is not to argue that the achievements of Dr. King and the likes of him do not hold very significant place in the annals of black history. They certainly do, to say the least.My concern here, however, is about perception, especially on the part of those who were (and still are) direct beneficiaries of the resulting effects of those great movements and concepts. Take (for example) in contemporary America, how does the average African American relate all of his rights guaranteed under the Constitution of the United States to an opportunity for success? How does the average African American utilize his god-given ability to learn and sharply compete in a world plagued by rivalries and fierce competition? How do the legacy of Dr. King & the Civil Rights Movement on the one hand and the legacy of Dr. Carter D. Woodson & Black History Month on the other, influence the ambitions of black people to attain formal education and other technical skills? What necessary measures are needed by descendants of free slaves that will ultimately gravitate them to better paying jobs and other luxuries of life? Working towards conclusive answers to these inquiries will go a long way in making Black History Month the single most proficient way to immortalize all liberation movements that fought to attain equal rights and justice for all people. Besides accentuating a commitment to perpetually keep alive the legacies of Dr. Carter D. Woodson, Activist Frederick Douglas, Dr. Martin Luther King, Jr. and many others, this will ultimately keep their heavenly spirits in absolute balance and unending joy and happiness!Black HistoryIt is in this respect that I strongly believe that in paraphrasing the history of black liberation during programs marking the observance of Black History Month, the story must be told as accurately as possible by, at least, highlighting significant details. As the old adage says, “that which is not done legally, is not done at all”. In much the same way, a history not completely retold is, at best, a history not told at all! More often than not, stories after stories of great black heroes in nearly every aspect of American and world history are told each year as we observe Black History Month. Interestingly, mentions are never made of the significant transition from slavery to freedom and the subsequent demonstration by the early freed men to self-govern.A case in point here is the display of magnificent skills and bravery by a handful of the emancipated slaves who, using their god-given talents, institutionalized a nation state and subsequently declared a free and independent state nearly a hundred and sixty-five years ago. In consequence of the repeated failures of keynote speakers at Black History Month celebrations to dwell on the single most important achievement of blacks, the number one success story of those noble men and women are hardly bought into the spotlight. It is appalling that at programs commemorating Black History Month, we repeatedly hear of a few great black inventors, singers and the likes but black political geniuses who founded and declared political independence of a sovereign black state as early as the mid 19th century are never mentioned for once. I am uncertain of what the opinion of my readers might be on this, but I sturdily feel that the quest and subsequent attainment of political independence for an all-black republic nearly two hundred years ago, supersede all other achievements in all black history. I stand corrected!The gravity of this arduous achievement may be better understood when one considers, for example, the establishment of the first Negro Republic of Liberia in the first half of the 19th century (J. Horton & L. Horton, Slavery And The Making of America, 95). Following this remarkable achievement,it took more than a hundred years for the first set of black nations on the continent of Africa to gain political independence from their European white colonial masters. Here in the United States, it took unreasonably longer before the first civil rights act was singed into law. Ultimately, when it came to the pursue of happiness and the right to liberty for the early black man, what more could be more fulfilling than the right to self-governance? Regrettably, emancipation accounts are repeatedly narrated during these great black national events far short of this indisputable account.

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I hesitate not to argue further that this (outright) failure by renowned speakers during Black History festivities to make mention of The Declaration of Independence of a free & sovereign black state on the West Coast of Africa by emancipated slaves is like an attempt by a serpent to move past its head. What this does invariably is making an attempt similar to presenting a specialized profile of a region without reference to the inhabitants of that region. What other achievements could be greater than the attainment of political independence for a people held in bondage for hundreds of years? Just as they remained fully cognizant that generations after generations of their ancestors were held in oppression for nearly three centuries in the Americas, many of these black heroes got first-hand experienced of slavery as well. Pursuant to their personal experiences of the greatest human tragedy in all of history, the freed men never took for granted the right to freedom and the pursuit of happiness.It is out of this concern that as America observes Black History Month each February, I wish to bring into focus an often ignored (but the single most significant) achievement of the black man in the post emancipation era. I have spent a number of years working in public related institutions where the observance of Black History Month is taken seriously each year. Institutions and individuals at all levels in society often attend programs commemorating these events. Many invitees at these functions participate in activities ranging from singing church spirituals to celebrities performing popular stage shows. Often, top academia are called to present “professional” research papers on various topics in black history. It is astonishingly disgusting to note that even at such well organized and intellectual events, the attainment of self-governance by free black slaves are never indicated, much less discussed. Until the meaning of Black History Month fully encompasses the single most significant achievement of freed slaves, the salinity of the observance itself will remain far-fetched.The more I ponder over the inept approaches used by heirs of those great black heroes and the failure to duly memorialize their ancestors, the greater I sense some irresistible urge to bring into the spotlight the forgotten link between Black History Month and the early successes of people of color in their fight for equal rights and self-governance. Overall, the first and foremost agenda item for those black pioneers was a genuine quest for self-governance and the pursuit of happiness that would include the right to freedom and justice. By way of emphasis, I reiterate here again that it is important that the history of the African American is not told until someone forcefully and truly tells the entire story. While the intent of this brief article is not to retell black history, I shall endeavor to speak briefly to the necessity of bridging a significant link (long broken & forgotten) between Black History Month and Liberia, the first black republic.As I do so, some efforts will be made to expound on the extended determination for freedom by an oppressed people and the glaring similarities between the former and the latter. To enhance this review, let us slip back into history for a short while.The oldest recorded history of what is known today as Black History Month dates back to 1915 when one Dr. Carter D. Woodson and Rev. Jesse E. Moorland co-founded the Association for the Study of Negro Life and History, acronym ASNLH (biography.com/blackhistory: 1/20/2011). Primarily, the objective of the Association was to research and bring awareness to the ignored but important and crucial role blacks played not only in American but also in world history. In just one year, Woodson published his findings in the Journal of Negro History. The intent of that publication was to cast out all misconceptions about the Negro. Additionally, it attempted to educate black people about their cultural background and to instill in them some pride in their race.Carter Woodson himself, who was the second black man to receive a degree from Harvard University, was the son of a former slave. He understood the importance of education and advocated the preservation of one’s heritage. A fraternity group called PSI Phil created Negro History & Literature Week at Woodson’s request in 1920. In just six years later (1926), Woodson changed the name to Negro History Week. He then selected the month of February primarily to honor two men whose actions radically (but positively) changed the future of all (black) Americans. The one was President Abraham Lincoln, born on February 12, who issued the Emancipation Proclamation and the other was Frederick Douglas who was born February 14. Douglas, too, was a tireless advocate to end slavery.Woodson and the Association for the Study of Negro Life and History, provided learning materials to teachers, black history clubs, and the larger community. In 1950, Dr. Woodson died but his legacy continued as cities and organizations through out the country adopted the celebration of Negro History Week. During the Civil Rights Movements of the 1950s and the 1960s, the observation of the week gained prominence as the focus turned more and more on the significance of black cultures (biography.com/blackhistory: 1/20/2011).This, in effect, moved the Association for the Study of Negro Life and History (ASNLH) to change Negro History Week to Black History Week. The ASNLH is now called the Association for the Study of African American Life and History (ASAALH). The week was extended in 1976 to a one-month long observance.It is little wonder, therefore, that today Black History Month is celebrated through out the United States by not only school kids, but also by everyone in the USA including teachers & university professors, doctors, lawyers, paraprofessionals, economists, politicians, men, women and everyone in between.When President Abraham Lincoln signed into law the Emancipation Proclamation on January 1, 1863 (J. Horton & E. Horton, 187), major revolutionary changes ensued which brought some level of freedom and sanity to enslaved Africans for the first time in over two hundred years. However in the decades following, the freed men were left with daunting challenges including the need for food, adequate shelter & clothing, and (perhaps more importantly) the natural urgings for self-governance.The Founding of Liberia: “Land of the Free”I was born and raised in Liberia; a small West African country with a population of under four million people. As a child, I attended public school where I learned first to write and then speak English under American English instructors. All through grade and junior high school, my instructors were American volunteered teachers (Peace Corps) who were exceptionally inspirational and who proved to be true fountain of knowledge for kids of my age. We learned to write and (tried) to speak the American version of English as opposed to the British style. We were taught the American way of doing arithmetic. We studied American literature and read great American folktales such as those of Paul Bunyan and Gulliver’s Travel. In grade school, we learned and recited the four seasons and other climatic conditions of the United States. Exclusively, we used American textbooks and learned a great deal of everything American, though we were not American children.Outside of our academic milieu, we again tried to do everything American, from soul music to soul limbo on the dance floor, for instance. When we honored calls from our teachers to perform a chore after school at a teacher’s house or when we were asked simply to complete a special assignment, we were always given something to eat or drink as some form of positive re-enforcement.In a way, this helped us as kids to acknowledge American generosity. At grade school level and with limited English vocabulary, these gestures gravitated us to our American tutors and allowed a bond of relationship that did not exist between some of my peers and their biological parents. Some children my age and some older kids went the extra mile and dressed the American way as they spent their last dollar (allowance) to purchase fancy baggy pants and go-go shoes. With the passage of time and as we became little more fluent at speaking and writing English, the bonds of teacher-student relationships between our American teachers and some socially ambitious students became stronger. Our utopian view of America broadened as we grew older. A substantial number of these kids later married to their former instructors who now live happily as couples in the US today.I have deliberately drawn my childhood experience into this discourse simply to draw attention to the conspicuous similarity between the cultures of Liberia, the first black independent state, and the people of the United States as viewed from the perspective of the African American community. Prior to the overthrow of government in 1980, the official currency of the Republic of Liberia was the United States dollar. This reality is rooted deeply in the fact that Liberia was founded by former slaves who shunned mediocrity and rose above pettiness to establish a sovereign state. Since independence in 1847, nineteen of Liberia’s twenty-two presidents were emigrants who were sons and grand sons of former slaves from the United States. As a nation state, Liberia has played and continues to play pivotal role in international relations. As a founding member of the United Nations and the Organization of African Unity (now the African Union), Liberia helped champion the liberation struggles of many former European colonies in all of Africa.If part or all of the essence of observing Black History Month, therefore, is to be interpreted to mean honoring the achievements of a segment of God’s creation who were held in bondage for centuries, then why has Black History Month been so distinctly unable to link to Liberia as a shining example of black achievements? If Liberia, in the history of humankind, was the torchbearer of black freedom, independence, and self-governance, then why do planners at Black History Month festivities pay death ears and play blind eyes to the crucial relationship between two sisterly establishments that are so culturally interwoven?According to Dr. Carter Woodson, co-founder of Black History Month, the number one goal of observing black history is to bring awareness to the crucial roles blacks played in both American and world history. Incidentally, a major part of such roles was played decades earlier by the establishment of the first Negro republic. Hence, if the organic laws of Liberia have anything to do with proclaiming equal rights and justice for people of color everywhere, as they certainly do, then the ASAALH as parent organization of Black History Month Festivities, must step up to this challenge by calling a spade a spade. Let each annual observance of Black History Month include public proclamation about the founding of Liberia (Land of Liberty) as the first significant step of the Blackman’s march to freedom and equality. It is not enough to argue, as some may be tempted to, that because Liberia is not a part or territory of the United States, due credits for successes of the black liberation struggles should not be extended thereto. Under whatever canopy, such argument would not hold air because, as indicated supra, the first written account of self-governance by a group of blacks was that occasioned by the establishment of Liberia, a nation founded by former slaves from the United States. I am strongly convinced that the resolve of an oppressed people to meander their way out of slavery and established a constitutional democracy is a milestone worth emulating, even so at all commemorations of Black History Month. In essence, when it comes to the political achievements of black ancestors, there must be no boundaries even as to politics, economics or other non-political occurrences.

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Now let us return to the brief review of the establishment of Liberia as the first black independent nation founded solely by African Americans with support from the American Colonization Society, ACS. The ACS was co-founded by Henry Clay, John Randolph and Richard Bland Lee and officially established in Washington D.C. on December 16, 1826. This was nearly fifty years before slavery was outlawed in the United States. According to Wikipedia, the ACS was principally founded as a vehicle to support the return of black people to what was considered “greater freedom” in Africa. With support from prominent activists including Paul Cuffe, a mixed race and a wealthy New England ship owner, the ACS received support from many black leaders and members of congress for an emigration plan. “Under the protection of Captain Paul Cuffe and his crew of seven, eight adults and twenty children crammed aboard the seventy-foot brig headed for their new homesteads” (Paul Cuffe, Black Entrepreneur and Pan-Africanist, Thomas 101). From 1811 to 1816, Cuffe financed and captained successful voyages to Africa. Between 1820 and 1822, the ACS in conjunction with prominent black leaders and activists, founded the nation of Liberia with the sole purpose of repatriating from the United States all freed men of color. Eventually, the dreams of Entrepreneur Cuffe became a reality (Thomas 119).Superficially, the role of the American Colonization Society in the repatriation efforts of Africans appeared genuine with a purported claim of giving black people the opportunity to live “fuller lives” in Africa. However, as it played out, no sooner did it become evident that nearly all of the advocates for the repatriation of blacks who participated in the resettlement arguments did so for motives far unrelated to genuine concerns for the black man’s right to life and liberty. For example, the American Colonization Society and the Quakers or various Christian leaders who supported the abolition of slavery in collaboration with ordinary slaveholders, saw the resettlement of freed slaves to Africa primarily as the safest way to abort perceived threats from free blacks to the (American) society. Although members of the ACS officially denounced slavery in all its form, many were openly racists as they argued that blacks would be unable to fit into the white society of America.As we observe Black History each year, it is important that we soberly reflect on the colossal controversies in history that have attended the denial of the rights of the black man to live freely, independently and happily. Unlike the Civil Rights Movement of the 1950s and the 1960s, the resettlement efforts in the pre-revolutionary civil war era resulted from a variety of motives. As mentioned above, many slaveholders and some abolitionists held strong views that blacks could not achieve equality in the United States, no matter what. In addition, there were those who became progressively more apprehensive that increasing number of free black slaves would eventually encourage slave revolts, while others out-rightly perceived the Black man as a burden to society and a threat to white workers because they (black) were paid much lower wages. As above mentioned, some members of the ACS who denounced slavery in all its form, were openly racists. They, too, argued likewise.In consequence of these pathetic accounts in the archives of black history, it is my fervent opinion that the concluding paragraph of this article calls into focus the broken & forgotten link between the Association for the Study of African American Life and History (ASAALH) and Black History Month on the one hand, and the Republic of Liberia on the other. Besides being a torchbearer of freedom for people of color, the Republic of Liberia was founded for and by African Americans nearly two hundred years ago. When Dr. Carter Woodson and Rev Jesse E. Moorland co-founded the Association for the Study of Negro Life and History back in 1915, they did so to spotlight the many roles black people played in the world that were often ignored or never referenced. In black history, therefore, Liberia was the first symbol of black freedom and independence and if Black History Month annually recollects eminent black achievements in history, then the former and the latter are closely related. They both exemplify the success stories of all black people. The two are directly related. Link them!The End

The Difference Between SEO and SEM

October 4, 2016

SEO is an acronym for Search Engine Optimization. This is how a website purposefully designs it content, including their titles, content and meta tags, for the sole purpose of getting the attention of search engines like Google, Yahoo and the lesser known Bing. What SEO wants to achieve is an organic or natural flow of traffic to their websites that is not bought or paid for like we do when we pay for advertising. A search engine result is free.SEM is an acronym for Search Engine Marketing. It is a concept often associated with SEO, sometimes even confused with SEO. They have some goals in purpose but are very different in technique. SEM has come about because large search engine websites like Google have offered fees to show case ads on the top of their page listing. These are pay per click or PPC ad campaigns. SEM is closer to traditional advertising in that you pay for the direct exposure you are receiving. SEM has made it possible to be a website with high visitor content just because they pay more to be advertised and promoted by Google. Both SEM and SEO are sets of strategies to bring in visitors. Except you pay up front for SEM, it is a direct advertising strategy. While with SEO, you look for indirect ways to get noticed.Optimizing a website for search engines, will mean evaluating particular keywords and keyword phrases the internet users may type into search engines to look for service and products that an ecommerce based business may offer. The grit of SEO is editing website content with keywords. Including keywords and keyword phrases in tags and meta tags. Even links and HTML is edited to suit SEO. HTML and links are worked out in a way to get the website user to move a certain way within your website. Ideally, the website visitor is presented with links around the website, going from page to page to read information they are interested in. This design makes it so the website user does not leave the website immediately.

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SEO works best when the SEO professional does not try to find underhanded ways to cheat the search engine system. Such tricks will get a website flagged by the search engines, since they use practices that are discouraged. Even if the website does rise to prominence for a moment on the Google rankings, reading content over peppered with keywords will get the website pulled down even faster. SEO tricks like link farming, keyword abuse and page cloaking get picked up by the search engine algorithms and they push the website to the top of search results. You can trick the machine. But after people start reading your content, it becomes apparent that the website is a fraud.The best way to climb to the top is by following ethical SEO guidelines. Write good content with proper technical guidelines. You can learn to do this yourself. You can also hire a writing service who will do this for your. But if you want to really get out there the fast way, consider SEM. A Pay Per Click ad campaign means that you only get charged for clicks on the link to your website. You know exactly what you are getting for your money.Search Engine Marketing is guaranteed promotion for any business. Pay per click is one for few guaranteed strategies for success in attract the coveted targeted consumer. But you can and you should use both SEO and SEM at the same time. Both are invaluable resources. Here is a list of benefits that will be available to your website with the help of SEM:1. When somebody types in a query into a search engine, the search engine will present them only ads and banners in the same industry or interest of the query.
2. Pay Per Click is great for corporate awareness, aside from online sales. It increases the value of the brand name.
3. Pay per clicks and sponsored links are transparent. You know what your money is paying for, as presented by the numbers.
4. Keeping well written and informative landing pages will lead readers to explore your website and see what else is available.
5. You only pay for the traffic volume that the pay per click ad has brought in. And this traffic is select, meaning they have interest in your service or product.

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In a way SEO and SEM are the same concepts wrapped in different presentations. SEO will last longer because it is content based. You do not pay for it every time it shows up in search engine results. If the competition is low, your website will be highly ranked for a very long time. SEM operates with the same traffic volume objective buy in a different way using paid Ads, banners, sponsors and Pay per click services. It brings in traffic too over a shorter period of time, unless you can keep payments indefinite. But the websites that gain the most use both SEO and SEM aggressively.1. They get more traffic that increases exponentially if they keep up content.
2. They keep up with rankings over a long period of time.
3. They keep it innovative and fresh, so loyal visitors have something new to see and come back to visit again.
4. Content keeps up with relevance to search engine guidelines.
5. They cultivate repeat visitors who also become repeat customers.Being SEO ready means your website is easy to access, user friendly, and easy to navigate for the average user. There are gimmicks, games, polls, promos to entertain the internet user and keep them coming back. This attracts visitors and other websites to link to your own website.