An annuity is an insurance policy in which the money you pay is invested by the insurance company, and after certain period of time, the income made from the investment is paid to you. Some benefits of an annuity are it provides you with lifetime income, offers some inflation protection, it combines insurance and savings, it guarantees returns, and it offers better tax savings. However, investors should always bear in mind that it does not maximize your investment, it requires a large sum of money to invest, and it proves to be inflexible.
Therefore, the comparison between the three background information on annuities below are essential to help you make a better decisions:
1. Annuity explained
There are two basic types of annuities:
1.1 Immediate annuities
Type of payment: a lump sum payment
Period of start receiving time: One year
Advantage: Suitable for who have a large sum of money and want to quickly start getting money they may need.
Drawback: more expensive than Deferred annuities.
1.2 Deferred annuities
Type of payment: either paid in a lump sum or in installments with your returns given out after a stipulated period of time, such as ten years.
Period of start receiving time: over a certain period of time
Advantage: The principal money you have invested here grows tax-free until you decide to withdraw it.
Drawback: inflexible
2. Benefits of annuity
Annuities are becoming increasingly attractive to many investors because of annuity leads generation.
The benefits that annuities provide its holders are as follows:
2.1 Provides you with lifetime income – You will annually receive returns upon retiring
2.2 Combines insurance and savings
2.3 Guarantees returns
2.4 Offers better tax savings.
2.5 Offers inflation protection
3. Drawbacks of annuities
The drawbacks of investing in annuities are as follows:
3.1 Does not maximize your investment
3.2 Proves to be inflexible–The principal amount you paid is held for investment and cannot be get back anytime you want for another investment or purpose.
3.3 Requires large sums of money to invest
4. Investment styles
4.1 Fixed annuities
Characteristics: a guaranteed and fixed rate of return on investments
Type of annuities: either be immediate or deferred
4.2 Variable annuities
Characteristics: whose returns vary depending on the performance of the mutual funds selected at the beginning of the contract that invests money
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Konsep Terbaru Yang Akan Di Pasang Di Windows 8
Sekarang ini yang menjadi perbincangannya yaitu sistem operasi yang sangat dominan sekali yaitu menurut rumornya bahwa pihak microsoft akan meluncurkan sistem operasi lagi yang dari perkembangan sistem operasi Windows 7 yaitu Windows 8. kini microsoft tampaknya ingin cepat - cepat rilis Windows 8 agak kita terkesiap dengan konsep - konsep baru yang akan dipaketkan bersama Windows 8 nantinya.
Bahkan kini sudah bocor beberapa gambar dari Win7China, yang mengulas mengenai konsep-konsep awal dari sistem operasi penerus Windows 7 itu. Kini pihak Microsoft sendiri baru memasuki riset tahap ketiga. Dari gambar yang ada bisa dilihat bahwa adanya perubahan besar pada Taskbar, instalasi driver dan juga integrasi komputasi awan.
Secara keseluruhan memang konsep awal Windows 8 ini masih mengadopsi konsep dari pendahulunya. Beberapa perbedaan yang bisa dilihat antara Windows 7 dan Windows 8 yaitu salah satunya pada kemunculan notifikasi ketika menginstalasi driver. Pada Windows 7, pengguna hanya menerima notifikasi bahwa driver sedang diinstal secara otomatis. Sedangkan nantinya di Windows 8, pengguna akan tau mengenai seberapa jauh proses yang sedang dijalankan sampai proses itu selesai, Anda akan dapat mengetahuinya dengan mudah.
Ford Figo Best “Indian Car Of The Year 2011” critics and user reviews,specifications, specs, mileage, on road price ,cost of Diesel and Petrol Model in India with interior and exterior pictures and photos
The Ford Figo has won the title of "Indian Car of the Year 2011". The finalists for the ICOTY category this year were Chevrolet Beat, Ford Figo, Maruti Suzuki Wagon R, Nissan Micra, Skoda Yeti, Tata Aria, Volkswagen Polo and Volkswagen Vento, along with this Figo was awarded the following Awards at the Bloomberg UTV Autocar Awards:
- ‘Value for Money Car 2011′
- ‘Premium Compact Car’
- ‘Viewers Choice – Car of the Year 2011′.
The Figo has been in the limelight this year and this is clearly visible in the kind of sales figures the company has seen. Ford India has already sold 60,000 units of the Figo since its launch in March 2010. In addition to recognizing the Figo’s virtues, Ford India has been named “Manufacturer of the Year 2011″ for its innovative practices in manufacturing and engineering excellence.
Ford Figo Critics rating:
- "Figo has the potential to be a success for Ford with competitive
pricing," commented Adil Jal Darukhanwala of the Economic
Times-ZigWheels, following a stint behind the wheel. - Shapur Kotwal, Indian editor for Auto Car, was extremely pleased with
the driving dynamics offered in both diesel and petrol versions
commenting "…Ford has done a superb job on front end design and in the
choice of tyres for Figo. With competitive pricing, the 1.4 diesel
engine can work very well for Ford in India."
FORD FIGO FEATURE HIGHLIGHT
.
Ford Figo Review by team-bhp
The Ford Figo was launched in India at a price of 3.49 - 5.29 Lakh (ex-Delhi).
What you'll like about the Figo:
• Robust build and construction
• Interiors more comfortable than chief competitors i10 & Swift
• 1.4 Diesel's proven driveability and fuel efficiency. No turbolag
• The Ford Figo's mature big-car-like ride quality
• Ford's DNA in the on-road behaviour and quick steering
• Class-topping 284 liter boot space
What you won't:
• Lacks the modernity of recently launched hatchbacks
• Both of the engines in the Figo are lacking in outright performance. Neither engine can exploit the car's dynamics
• No true top-end variant (tilt adjustable steering, rear power windows, MID etc.)
• Average backseat legroom. Not in the league of, say, an Indica Vista
• Ford's sub-par dealership experience
Reported Fuel efficiency (Mileage):
• 1.2 Petrol : 11.2 (City) / 15.8 (Highway)
• 1.4 Diesel : 14.4 (City) / 18.5 (Highway)
Ford Figo User Review:
- Look and Style : Very nice, good looking
Comfort : Very good,hight not compert,back seat is not comforteble,and suddenbraeke applyed seat come forword in front side.
Pickup : is very good, its suddenpicup
Mileage : on city roads not elgble,highways is the best in class
Best Features : Verry good, nice
Needs to improve : Its very needs figo is ground claerence upgrade must,injon noise.
A clear winner among hatch backs
Earlier last 4 months i was surfing and test driving on what car to choose my budget is max 7 Lakhs and according to my usage patten and raising fuel price decided to settle with a diesel.
I 20 is above my budget and it has more buzz than what i expected
Swift long wait period and same old design seems the new 2011 model is also not much different
FIGO sounds good and i like the classy look and waste interior space
PUNTO got impressed with the test drive on the 90 HP wow but the price is much higher than my budget moreover the service of TATA you know better
I didnt own a FIGO But decided to bring home the FIGO Diesel Titanium ony Feb 2011
Comparision between EXI and ZXI versions of FORD FIGO DIESEL..CAR : ZXI has additional bluetooth facility on Stereo, Wiper on back,motorised mirror and defoger.- Think Twice Before Buying:
Pros : Cheap price for the features, good pick-up till 80 KMPH
Cons : Very weak skin, lots of engine trouble, electronic trouble, very poor mileage, low power
Description :
The car
has acceptable pick-up in city limits. AC is good. Engine is also
performing decently. And upto 100KMPH it feels good. Once you are in
clear highway and you want open up this is not the ride for you.
The real problem is car's electronics. I had trouble with starting and VSS(vehicle speed sensor). The skin sheathing is of very poor quality thus low safety. Mileage is very poor. My car has done 5K only and we hear lots of noises through out the body. The road clearance is very low and I doubt the claimed 160MM very much. I get rubbing sound on small rumble strips only with me driving. In my personal opinion it is not value for money.
I must say some thing here that the help desk personnel are extremly
good and I personally think they must be the best available in India.
- Good Value for Money :
Pros : new looks ,ford engine,better milage wt power
Cons : gear shift not smooth
Description :
Look and Style :good style,front and back great design with muscular curves side view not much ok,back side looks like BMW x6
Comfort : rear sittng very spaceous
Pickup : very good in 1 st 3 rd gear
Mileage : 17 average
Best Features : acce;eration in 3 rd a 4 th gear and manurability
Needs to improve : stoping and full sterring of wheel gives a noise at the end,which u fill at t steering
Overall Experience : good value for money
Ford Figo Interiors and Exteriors:
Ford Figo on road Pricing /Cost in India:
Ford has priced the Figo on par with its
rivals with the base petrol 1.2 LXI retailing at Rs 4.12lakh (on-road
Mumbai), rising up to Rs 5.20lakh for the top-end Titanium variant. The
diesel Figo prices start at Rs 5.23lakh for the base 1.4 LXI, with the
top-of-the-line Titanium variant going up to Rs 6.20lakh. The hot hatch
also comes with a two year warranty. So there’s lots of promise here.
| |
| Price | Rs 4.12-6.20 lakh On-road price Mumbai |
| Length | 3795mm |
| Width | 1680mm |
| Height | 1427mm |
| Wheel Base | 2489mm |
| |
| Fuel | Petrol / Diesel |
| Installation | Front, Transverse |
| Type | 4-cylinder in-line |
| Bore/stroke | 70.6/76.5mm, 73/82mm |
| Compression ratio | 9.75 / 18:1 |
| Power | 70bhp @ 6250rpm / 68bhp @ 4000rpm |
| Torque | 10.4kgm @ 4000rpm / 16.3kgm @ 2000rpm |
| Gearbox | 5-speed manual |
| Tyres | 175/65/R14 |
| Brakes (f/r) | Ventilated discs/drums |
Ford Figo Comparison with other Hatchback Cars launched in India:
Some Other points relevant to Ford Figo :
• Standard warranty = 2 years / 100,000 kms.
• Interestingly, Ford will give Figo customers the option of a 5 year
extended service plan. It will cover all consumables & labour for 60
months / 100,000 kms. Branded as the “Ford Scheduled Service Plan”.
Note that this plan does not cover wear & tear items (clutch, brake
pads), tyres or mechanical / electrical failures.
• Ford’s absence from the Auto Expo (Mid-January 2010) is inexplicable. I
mean, what better opportunity to showcase your new small car to the
masses in person?
• Service interval = 10,000 kms.
• Fuel tank capacity = 45 liters. Low fuel indicator goes on when distance to empty is less than 80 kms.
• Kerb weights : 1040 (Petrol) and 1090 (Diesel).
• Light controls, chuckable nature and good low end response (either
engine) makes the Figo well suited to the city. Turning radius = 4.9
meters.
• Ford claims that the petrol fuel filter has a life of 60,000 kms (same
for diesel is 30,000 kms). Timing belt change at 1,20,000 kms. Engine
coolant life is 1,00,000 kms. Factory fill transmission oil will last
the lifetime of the vehicle.
• Doors lock automatically once the speedo crosses 7 kph.
• Under an emergency braking condition (at 60 mph / 96 kph and above),
the parking lights will automatically start blinking to warn traffic at
the back.
• Lane change indicators are useful, especially on the expressway /
highway. Simply tap the indicator stalk and the turn indicator blinks 3 -
4 times only. No need to push the indicator back into place after
completing your lane change manoeuvre.
• Ford has
111 dealers spanning India at the moment. This number has increased by
about a third in the recent past. 7 more expected soon.
• Pricing strategy has become even more important after Chevy set the
cat amongst the pigeons with the Beat’s VFM price tag! Note to Ford :
Price it right from day one. Don’t go the Escort / Fiesta way where you
start high, then massively discount, bring in special editions one after
another and dilute the brand.
• Reason for the chiller air-conditioner = A 154 cc compressor (some
hatches use 80 – 90 cc compressors). I did feel that the diesel’s
air-conditioner is punchier than the petrols.
• Low stance may make ingress / egress inconvenient to the elderly (relative to tallboy hatchbacks).
• Like most other European cars, the front seats have a long travel range. Useful.
• 1.4 TDCi = completely take your foot off the accelerator in 3rd gear,
and the car will chug along happily at 22 kph. Slot the car in 4th gear
at 40 kph and it still doesn’t labour. No vibrations at all.
• Even though the interiors are all black, it’s certainly not as gloomy
as the Beat. Reason? The generous glass area. Even at the back, you have
the large windows as well as the quarter glasses bringing light in.
• If it matters, you can wheel spin away to glory in the 1.2. We tried
• Ford equips the Figo with starter crank protection. When the engine is running, the key will not move further.
• Official ARAI fuel efficiency numbers are 15.6 kpl (petrol) and 20.0 kpl (diesel).
• The same team that worked on the Fiesta 1.6S and Ikon Diesel has been in charge of the Figo.
• Control stalks (wiper, turn indicator) don’t have a satisfactory feel. Their operation is more rubbery than positive.
• Ford’s pumped $500 million into the Chennai plant and has expanded
capacity to 200,000 units per year. It’s all about the numbers really.
The upgraded Chennai plant will also serve as an export hub to serve the
needs of Asia-Pacific & Africa.
• The Figo starts with a 75% (approximate) level of localisation.
• If you shut both the center air-con vents, irrespective of whether the
side vents are open or not, they make a whistling sound.
• It’s been a long time coming, and no better opportunity Ford. With
your hatch now running a 1.4 liter diesel, time to upgrade the Fiesta
diesel to a 1.6? Or will it happen only when the all new Fiesta arrives
in India (expected toward the end of 2010).
• The 1.4 TDCi engine weighs only 98 kilos.
• All gauges are backlight in red colour.
• Bluetooth pairing with your cell phone. Can redial, read your phone book and recent calls.
• Where’s the Automatic transmission, Ford? Explore that USP. There is a ready market for automatic hatchbacks, especially those powered by a diesel engine.
• When I saw the dash colour, I went “What was Ford thinking”? You’d
actually have to try to choose a worse colour. The negative impact is 3X
when matched to the green exterior shade. Absolute Gujju (Note, I am a
Gujarati myself). A single positive of the clay red dash is that there
is no dashboard reflection.
• The 1.4 TDCi Figo does everything that you would expect of a B segment
diesel hatch. The steering & mature road behaviour are a bonus.
Importantly, the Figo diesel does not have any single major flaw. The
1.2L is less impressive, for obvious reasons.
at Last What is Figo???????
Figo means “cool” in Italian.............
3 Easy Methods to Use in Teaching Your Child Effective Time Management
1. Managing time means fun
Always shows your child how to balance responsibility and relaxation, which will not only allow sufficient time to be allotted for playing, entertainment, and doing the things your child enjoys, but also ultimately make him the well-rounded individual that you want him to be.
2. How to tell time
Teach your child early on to tell time which would nurture your child to be more responsible and disciplined when he knows how to tell time and why it’s important. As a rule of thumb, use a large and attractive designs mechanical clock instead of a digital clock because your child might be bored with the latter.
3. How to set priorities
This is very important for child to know how to divide his time among his different activities such as where to spend more time on and where to spend little. A reward principle can be used to teach your child about prioritization. For example, he will have the remaining time before bedtime entirely for television if he finishes his home work first. However, he would have to watch only until a certain time only if he wants television first. Next, always make your child see the advantages of wise choices. When you find your child having a dilemma between doing two school projects, for instance. Do ask him which one he finds more difficult and advise him to do that one first. This technique will make he won’t dread doing the second project because he’ll know it’ll be easier.
As a parent, consulting a time management e-book might be a good idea to further honing the time management skills of child.
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2 Helpful Time Management Hints for Graduate Students
1. Employ a to-do-list
A to-do-list will remind you about daily tasks that you need to accomplish to attain your goals. It would be even better for you to have a template of to-do-list.
- schedule a time for research daily – make a time for your research daily even for just 20 minutes.
- practice flexibility – to cope with any unexpected thins, it is recommended that your daily tasks should comprise only 50% of your time.
- prioritize your list – rank each item by its importance. Work from the most important down to the least important items to save time from unnecessary things.
2. Employ a calendar system
In grad school, you need to have a wider perspective when it comes to the use of your calendar. You need to have a yearly, a monthly and a weekly calendar.
- yearly range - long term deadlines for the next two years should be incorporated into this yearly calendar. The calendar should still be divided into months for easy tracking. Conference submission, financial aid, and grant proposals are some examples of long term goals.
- monthly range – this calendar will usually include test schedules, paper deadlines, and important appointments. It is advisable that you use an academic calendar which contains the academic year from middle of August to July.
- weekly range - work schedules, course meeting times, due dates, study time and social schedules should be included in your weekly planner . An academic planner is highly recommended since it utilizes a weekly range of measurement. It can be reached at any book store or internet.
Time management skills is necessary to become a successful graduate school student.
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4 Feng Shui Tips for Home Remodeling and Beneficial Renovation
1. Location of the kitchen
Kitchen, as the heart of the house, plays a vital part of feng shui since it is usually where people establish a positive qi. Prohibitions of kitchen location include never place the kitchen at a location where you can see it right after you enter the front door and it cannot also be seen from your bedroom.
2. Figure out the lighting
Another essential area in feng shui is lighting. Areas inside the house that is not brightened with natural light are places to be considered. Owners' preferences about lighting should always be conveyed to architect or contractor so that they will cover and follow them correctly.
3. Balanced space for each family member
It is recommended to establish balance in space of house, such as in the case of kids' bedrooms, by making 2 or more bedrooms in the same size. This will avoid unnecessary fights over bigger room, while also establish equal love among the children and the rest of the family.
4. Know the basics of feng shui
The basics and other aspects of Feng Shui should be familiarized. This includes the concept of Ba-Gua (a tool that analyzes the energy of a certain space in feng shui), the interaction of the five elements (wood, fire, earth, metal and water), the feng shui way wherein a certain direction such as South, which is connected to the element Fire, has its incorporated colors (red, orange and pink). Mix-ups of colors and elements will result in weakening of energy in certain area of the house and so should be avoided.
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6 Important Things to Look for in an Auto Insurance Company
Six important things your should consider in order to find the best auto insurance company are shown bellow:
1. Search for a company whose coverage fits your needs
Always look for a company that offers you the most important auto insurance coverage which suits your needs and budget. The example of a insurance coverage is responsible for paying for loss or damages incurred from theft, the responsible for vehicular damages caused by collision (Collision insurance), or a limited medical insurance that pays for the medical expenses incurred by the insured driver and passenger/s who are hurt during the accident. Moreover, depending on your needs and budget, you may decide to drop certain coverage or add. For example, you may consider dropping collision insurance if your car is quite outdated due to very expensive payment.
2. Find one that offers discounts
In this heavy competitive industry, many auto insurance companies offer discounts along with less risky driving conditions such as vehicles with anti-theft devices,drivers who have not been involved in an accident for many years of driving, and drivers who never had a ticket.
3. Look for an auto insurance company that has the best price for your desired coverage
Do ask for price quotations from as many auto insurance companies as possible and contact your state insurance department for auto insurance rates in your area in order to find the most affordable auto insurance rates.
4. Find one that is licensed to operate in your area
Next, you need to make sure whether the insurance company is allowed to operate in your area or a certain state or a few neighboring states only. Therefore, do your research via Internet to find the company that will serve your needs best without leaving a big hole in your pocket.
5. Look for one that has good customer service
Do find an auto insurance company which has not only an impressive insurance coverage, but also has a fair and consistent service. In other words, the insurance company is readily available and responsible when you need them. Besides doing a searching in Internet for customer feedback and reviews, you can also inquire from your state’s Department of Insurance and the National Association of Insurance Commissioners
6. Seek out an auto insurance company that is financially stable
It is a very important part of your search to look for an auto insurance company that is always in a good financial condition. One of the ways to do it is checking their credit ratings before entering into a policy with a certain company.
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1. Search for a company whose coverage fits your needs
Always look for a company that offers you the most important auto insurance coverage which suits your needs and budget. The example of a insurance coverage is responsible for paying for loss or damages incurred from theft, the responsible for vehicular damages caused by collision (Collision insurance), or a limited medical insurance that pays for the medical expenses incurred by the insured driver and passenger/s who are hurt during the accident. Moreover, depending on your needs and budget, you may decide to drop certain coverage or add. For example, you may consider dropping collision insurance if your car is quite outdated due to very expensive payment.2. Find one that offers discounts
In this heavy competitive industry, many auto insurance companies offer discounts along with less risky driving conditions such as vehicles with anti-theft devices,drivers who have not been involved in an accident for many years of driving, and drivers who never had a ticket.
3. Look for an auto insurance company that has the best price for your desired coverage
Do ask for price quotations from as many auto insurance companies as possible and contact your state insurance department for auto insurance rates in your area in order to find the most affordable auto insurance rates.
4. Find one that is licensed to operate in your area
Next, you need to make sure whether the insurance company is allowed to operate in your area or a certain state or a few neighboring states only. Therefore, do your research via Internet to find the company that will serve your needs best without leaving a big hole in your pocket.
5. Look for one that has good customer service
Do find an auto insurance company which has not only an impressive insurance coverage, but also has a fair and consistent service. In other words, the insurance company is readily available and responsible when you need them. Besides doing a searching in Internet for customer feedback and reviews, you can also inquire from your state’s Department of Insurance and the National Association of Insurance Commissioners
6. Seek out an auto insurance company that is financially stable
It is a very important part of your search to look for an auto insurance company that is always in a good financial condition. One of the ways to do it is checking their credit ratings before entering into a policy with a certain company.
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3 Major Differences between HID Lights and Halogen Lights
HID (high intensity discharge) light comprise of two electrodes. The sealed gas, which comes in the form of paste in small amounts located on the inside of the glass, is ignited with the use of sparks that are jumping over electrodes. As the paste is ignited by sparks, the HID bulbs are then filled with gas, either metal halide or xenon gas to direct the color of the light it produces.
On the other hand, Halogen lights, used Edison’s concept (positive to negative electricity flows across a filament, which is a thin, small wire and is a poor conductor of electricity). This is why as halogen bulbs produce light, much heat is also produced.
To differentiate between these two kinds of lights, let’s proceed to their difference:
1. Efficiency
HID lights are very efficient for commercial use since they produce brighter and better projected lights than halogen bulbs and thus provide accuracy in the workplace. Besides, HID bulbs are not easily affected by extreme vibration and jolting brought about by heavy equipment and other work machines thus require less bulb replacements and provide for more productivity in commercial use.
2. Cost
HID lights are more costly as compared to halogen lights because HID bulbs are complicated to manufacture and construct, while it also use a ballast (an expensive component), to control the amount of electrodes current. In contrast, Halogens don’t use ballasts at all, making it less expensive. In the long run, using HID lights is more practical and cost-saving.
3. Durability
HID lights are more durable, which makes it more popular especially in most of European cars, even though it has higher price. In fact, HID lights are used to upgrade existing driving lights, specifically the headlights since they are durable and have a longer battery life. Moreover, HID bulbs are resistant to excessive vibration even when driving at higher speeds on various road conditions.
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On the other hand, Halogen lights, used Edison’s concept (positive to negative electricity flows across a filament, which is a thin, small wire and is a poor conductor of electricity). This is why as halogen bulbs produce light, much heat is also produced. To differentiate between these two kinds of lights, let’s proceed to their difference:
1. Efficiency
HID lights are very efficient for commercial use since they produce brighter and better projected lights than halogen bulbs and thus provide accuracy in the workplace. Besides, HID bulbs are not easily affected by extreme vibration and jolting brought about by heavy equipment and other work machines thus require less bulb replacements and provide for more productivity in commercial use.
2. Cost
HID lights are more costly as compared to halogen lights because HID bulbs are complicated to manufacture and construct, while it also use a ballast (an expensive component), to control the amount of electrodes current. In contrast, Halogens don’t use ballasts at all, making it less expensive. In the long run, using HID lights is more practical and cost-saving.
3. Durability
HID lights are more durable, which makes it more popular especially in most of European cars, even though it has higher price. In fact, HID lights are used to upgrade existing driving lights, specifically the headlights since they are durable and have a longer battery life. Moreover, HID bulbs are resistant to excessive vibration even when driving at higher speeds on various road conditions.
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3 Basic Guidelines for Making a Personal Development Plan
A personal development plan serves as a blueprint to an individual as he makes his journey through self-enhancement and development. Here is a list of things you should do to make a personal development plan specifically for you:
1. Recognize your present state
First, KNOW yourself. It means that you have to know your present condition in life, which include knowing where you are and what you are like. This is vital during the process of making any self-improvement. Identify your strengths and weaknesses, then classifying your capabilities and shortcomings. Besides, you should also recognize what skills you have and skills you lack.
2. Identify your goal
Second, IDENTIFY your goal. Goal setting is a must for success.In personal development, your goal is to know where you want to be in the short and long term. To achieve your final goal, you must figure out the things you need to develop, improvement needed and the way to reach the next stage in your personal maturity. Be concrete and realistic.
3. Work your way to success
ACTION. List out steps needed to achieve your goal. Always keep track of your improvement. A clear and practical list of resources should be prepared to help you in meeting your target. Identify kind of support you need. If you want to have a better computer skill, buy a computer first. Never be easily contented with the first few improvements. Rather, keep challenging yourself to move forward. If not, you might stop improving altogether and end up with nothing.
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First, KNOW yourself. It means that you have to know your present condition in life, which include knowing where you are and what you are like. This is vital during the process of making any self-improvement. Identify your strengths and weaknesses, then classifying your capabilities and shortcomings. Besides, you should also recognize what skills you have and skills you lack.
2. Identify your goal
Second, IDENTIFY your goal. Goal setting is a must for success.In personal development, your goal is to know where you want to be in the short and long term. To achieve your final goal, you must figure out the things you need to develop, improvement needed and the way to reach the next stage in your personal maturity. Be concrete and realistic.
3. Work your way to success
ACTION. List out steps needed to achieve your goal. Always keep track of your improvement. A clear and practical list of resources should be prepared to help you in meeting your target. Identify kind of support you need. If you want to have a better computer skill, buy a computer first. Never be easily contented with the first few improvements. Rather, keep challenging yourself to move forward. If not, you might stop improving altogether and end up with nothing.
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7 Different Types of Business Insurance for Your Business Needs
To reduce the financial risks brought about by unpredictable events like accidents, natural disasters, lawsuits, and so on, business insurance will be a great help. There are many types of business insurance. The cost in obtaining one will be different from one insurance provider to another. It is ideal that you ask for an insurance sales leads agent to guide you in choosing the best business insurance for you. Below are the different types of business insurance:
1. Worker’s compensation insurance
Worker’s compensation insurance is necessary for businesses with certain number of employees. It will cover the damages and medical expenses of your employees for on-the-job injuries.
2. Business interruption insurance
In cases when the business may have to be closed temporarily, this types of insurance helps support the business until it reopens again. It covers the damages and loss of the business’ calculated earnings during those periods.
3. Casualty or liability insurance
Casualty or liability insurance covers the loss and damages caused by acts of negligence or omissions. Meanwhile, it also covers lawsuit costs and settlement bonds if ever the problem goes to court. This type of insurance is best paired with property insurance, and is not particularly connected with life or health insurance.
4. Property insurance
On the other hand, property insurance insures an owned, leased or rented property, including its contents, against damage or loss from fire, theft, vandalism, and other disasters. It is important for you to recognize the details of your property insurance coverage needs because this type of insurance can be specific and applied to only one type of risk. It is recommended to choose the exact coverage you required since purchasing a few components of property insurance is more costly.
5. Auto insurance
Auto insurance is meant for vehicle used for business purposes. The cost of repairing any damage to the vehicle and to the other vehicles if an accident occurs is covered by this insurance.
6. Crime insurance
Basically, the damages and loss of the business against robberies and even employee theft is covered by crime insurance.
7. Business life insurance
This type of life insurance is particularly for businesses run by partnerships or corporations with some stockholders. The business life insurance insures the partners and stockholders of the business by dispensing money to purchase the portion or business interest from the family of a deceased partner or stockholder.
It is better to be prepared than to risk your business to any financial crisis. Business insurance is a sure back-up plan when business trouble arrives.
Feel free to give me a comment about this topic. It will be a great support to Xaivier Blog.
Review by: Xaivier Chia
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1. Worker’s compensation insurance
Worker’s compensation insurance is necessary for businesses with certain number of employees. It will cover the damages and medical expenses of your employees for on-the-job injuries.
2. Business interruption insurance
In cases when the business may have to be closed temporarily, this types of insurance helps support the business until it reopens again. It covers the damages and loss of the business’ calculated earnings during those periods.
3. Casualty or liability insurance
Casualty or liability insurance covers the loss and damages caused by acts of negligence or omissions. Meanwhile, it also covers lawsuit costs and settlement bonds if ever the problem goes to court. This type of insurance is best paired with property insurance, and is not particularly connected with life or health insurance.
4. Property insurance
On the other hand, property insurance insures an owned, leased or rented property, including its contents, against damage or loss from fire, theft, vandalism, and other disasters. It is important for you to recognize the details of your property insurance coverage needs because this type of insurance can be specific and applied to only one type of risk. It is recommended to choose the exact coverage you required since purchasing a few components of property insurance is more costly.
5. Auto insurance
Auto insurance is meant for vehicle used for business purposes. The cost of repairing any damage to the vehicle and to the other vehicles if an accident occurs is covered by this insurance.
6. Crime insurance
Basically, the damages and loss of the business against robberies and even employee theft is covered by crime insurance.
7. Business life insurance
This type of life insurance is particularly for businesses run by partnerships or corporations with some stockholders. The business life insurance insures the partners and stockholders of the business by dispensing money to purchase the portion or business interest from the family of a deceased partner or stockholder.
It is better to be prepared than to risk your business to any financial crisis. Business insurance is a sure back-up plan when business trouble arrives.
Feel free to give me a comment about this topic. It will be a great support to Xaivier Blog.
Review by: Xaivier Chia
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6 Essential Matters to Consider when Buying Prefabricated Garage Kits
Prefabricated garage kits are very economical ready-to-install garage sets and are very practical compared with custom-made garages. However, in order to get the best one for all your garage needs, the following factors should be considered:
1. Choose the right manufacturer and shop
Always look for trusted and reputable prefabricated garage kit manufacturers. Try inquiring for packages that include the garage set and installation services. In addition, make sure you have warranty for your garage kit.
2. Size of garage you need and its location
Prefabricated garage kits are available in many different sizes. Therefore, you should always consider the size you need for the vehicle or items you will store, and the location where you will install your garage,
3. Find one that is easy to install
Always find less sophisticated garage kits that are easier do yourself, if possible. Even if you are planning to hire a contractor, do look for one which has clear installation instructions. This is because it would make work easier and faster.
4. Consider the materials and details you want
Choose one that suits the weather conditions in your area. Those made of steel are more durable but they are more expensive than other material types. Besides, you can also choose different materials that make up the roofs, the doors, and the windows which will subsequently affect the price of the garage sets. Moreover, think about other details that come with the sets. You might want to get a prefabricated garage set with bigger or more windows fro better ventilation, if you are planning to make the garage as your workshop, for example.
5. How you will use your garage?
By answer this question, it will help you to identify the dimensions you need for your prefabricated garage.
6. Mind your budget
Never go for cheap and poor quality sets since choosing prefabricated garage kits has already save you a lot of money and time. In order words, you can always consider your budget without sacrificing your needs.
Last but not least, make sure you are an expert to this or better yet, seek the advice of experts. Hiring a contractor to do the installation for you will also a good idea to save you lots of time. To sum up, buying a prefabricated garage kit will not only savings in money and time, but also proving the convenience of a functional home garage.
Feel free to give me a comment about this topic. It will be a great support to Xaivier Blog.
Review by: Xaivier Chia
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1. Choose the right manufacturer and shop
Always look for trusted and reputable prefabricated garage kit manufacturers. Try inquiring for packages that include the garage set and installation services. In addition, make sure you have warranty for your garage kit.2. Size of garage you need and its location
Prefabricated garage kits are available in many different sizes. Therefore, you should always consider the size you need for the vehicle or items you will store, and the location where you will install your garage,
3. Find one that is easy to install
Always find less sophisticated garage kits that are easier do yourself, if possible. Even if you are planning to hire a contractor, do look for one which has clear installation instructions. This is because it would make work easier and faster.
4. Consider the materials and details you want
Choose one that suits the weather conditions in your area. Those made of steel are more durable but they are more expensive than other material types. Besides, you can also choose different materials that make up the roofs, the doors, and the windows which will subsequently affect the price of the garage sets. Moreover, think about other details that come with the sets. You might want to get a prefabricated garage set with bigger or more windows fro better ventilation, if you are planning to make the garage as your workshop, for example.
5. How you will use your garage?
By answer this question, it will help you to identify the dimensions you need for your prefabricated garage.
6. Mind your budget
Never go for cheap and poor quality sets since choosing prefabricated garage kits has already save you a lot of money and time. In order words, you can always consider your budget without sacrificing your needs.
Last but not least, make sure you are an expert to this or better yet, seek the advice of experts. Hiring a contractor to do the installation for you will also a good idea to save you lots of time. To sum up, buying a prefabricated garage kit will not only savings in money and time, but also proving the convenience of a functional home garage.
Feel free to give me a comment about this topic. It will be a great support to Xaivier Blog.
Review by: Xaivier Chia
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8 Important Features in Office Chair To Maximize Comfort and Productivity
The eight important features in the office chair which you need to care about are:
1. Easy mobility
Last but not least, easy mobility should be considered because it will allow you to efficiently move to different areas of your office.
2. Movable backrest
It is essential that the backrest of your chair can be positioned in a manner that fits your job tasks. However, one should always make sure that the locking device is good enough to grip the backrest in place so that it will not suddenly tilt towards the back.
3. Lumbar support
Good lumbar support is very important to you because it will minimize possible compression or strain on your spine, specifically on the lumbar discs in your lower back. Therefore, it is recommended to choose one that has a contour that perfectly fit your innate spine shape.
4.Adjustable seat height
An office chair should have an adjustment provision for the height of the seat in such a way that your thighs are on a horizontal position with the floor.
5. Comfortable padding and material
A chair that is made of fabric and padding allows your body to breathe.
6. Armrest
An armrests are helpful to reduce strain off of your neck and shoulders. Therefore, an armrests with an adjustable feature will enable you to position them and allow you to sit with ease and keep you from slouching.
7. Control for adjustments
The adjustment control of your chair should be reachable even when you are in a seated position. For instance, it should allow you to tilt and move your chair lower or higher. Most of all, you should be able to turn the chair around while in a seated position.
8. Adequate width and depth of seat
In order to enable you to sit comfortably on your chair for longer periods of time, adequate width and depth of the seat plays a crucial part. For example, choose a chair that has a deep seat if you are tall and vice versa.
To conclude, having the best quality office chairs in the workplace is very important for many people who want the best in comfort and ease when completing various tasks in the workplace. Feel free to give me a comment about this topic. It will be a great support to Xaivier Blog.
Review by: Xaivier Chia
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1. Easy mobility
Last but not least, easy mobility should be considered because it will allow you to efficiently move to different areas of your office.2. Movable backrest
It is essential that the backrest of your chair can be positioned in a manner that fits your job tasks. However, one should always make sure that the locking device is good enough to grip the backrest in place so that it will not suddenly tilt towards the back.
3. Lumbar support
Good lumbar support is very important to you because it will minimize possible compression or strain on your spine, specifically on the lumbar discs in your lower back. Therefore, it is recommended to choose one that has a contour that perfectly fit your innate spine shape.
4.Adjustable seat height
An office chair should have an adjustment provision for the height of the seat in such a way that your thighs are on a horizontal position with the floor.
5. Comfortable padding and material
A chair that is made of fabric and padding allows your body to breathe.
6. Armrest
An armrests are helpful to reduce strain off of your neck and shoulders. Therefore, an armrests with an adjustable feature will enable you to position them and allow you to sit with ease and keep you from slouching.
7. Control for adjustments
The adjustment control of your chair should be reachable even when you are in a seated position. For instance, it should allow you to tilt and move your chair lower or higher. Most of all, you should be able to turn the chair around while in a seated position.
8. Adequate width and depth of seat
In order to enable you to sit comfortably on your chair for longer periods of time, adequate width and depth of the seat plays a crucial part. For example, choose a chair that has a deep seat if you are tall and vice versa.
To conclude, having the best quality office chairs in the workplace is very important for many people who want the best in comfort and ease when completing various tasks in the workplace. Feel free to give me a comment about this topic. It will be a great support to Xaivier Blog.
Review by: Xaivier Chia
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3 Must-Know Facts about Tooth Whitening
1. Process involved
There are several whitening methods available, including:
* professional in-office bleaching–This method is offers the most favorable whitening benefits in a shorter time period. Although, this is the most expensive option available, this method is done under the direct supervision of your professionally trained dentist. It is best to look for a dentist near you. If you live in New York City, then a Manhattan teeth whitening professional is what you need.
* professional take-home whitening-Tthese are whitening kits prescribed by dentists and are also available in dental clinics. These kits contain highly concentrated peroxide solutions and provide exceptional whitening results in 1 to 2 weeks of use.
* over-the-counter bleaching–the most affordable option. This is the choice of many because apart from the cost, there are many selections of over-the-counter whitening products such as toothpastes, trays, gum strips, floss, and mouth rinse.
2. Options for people not qualified for this procedure
There are people unable to undergo a tooth whitening procedure. Under certain conditions, the use of any type of whitening product is prohibited when:
* your teeth have restorations such as crowns, fillings, inlay, onlay and veneers.
* your teeth have internal staining, discoloration due to developmental conditions, and teeth that underwent a root canal procedure.
* your teeth are naturally gray or brown because they may not have the desired whitening effect. However, those with yellow teeth typically show best results.
* you are a nursing or pregnant mother because there is not enough research to support whether or not the chemicals used in the procedure are safe for you or you baby.
* there is hypersensitivity of the teeth.
3. Possible side effects
Tooth whitening products are considerably safe to use. In fact, most users have been satisfied with these procedures and products. However, some individuals may have experienced any of these side effects:
* hypersensitivity during or after the procedure.
* chemical burn, which is also called soft tissue irritation.
* teeth that do not whiten after the procedure.
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HOW WAS THE LOOK OF THE MOVIE CHANCE PE DANCE -- WITH A low emotional quotient input ,less music but a struggler glamor model ,lets have a brief review of the movie - CHANCE PE DANCE
Film: Chance Pe Dance
Cast: Shahid Kapoor, Genelia D'Souza
Direction: Ken Ghosh
Genre: Drama
Duration: 2 hours 1 minute
Story: Sameer is the archetypal struggler who leaves his dad inDelhi
Movie Review: Begin the count....How many times have you seen and heard the story of the bechara struggler who leaves his home town with a tooth brush in his backpack and a bag full of dreams that can only be fulfilled in maximum city, Mumbai. And then, how many times have you seen him eventually rise like thePhoenix
Umpteen times. And that's where Ken Ghosh's film slips. For, it offers you nothing new in terms of the script which ends up as the weakest link in this entire show. Sadly, it follow all the predictable twists and turns that comprise the star-is-born story. Yes, super-talented Sam (Shahid Kapoor) does leave his dad (Parikshat Sahni) to sell saris in saddi Dilli, in order to become an actor in big, bad Bollywood, minus a godfather and a grand daddy. Yes, he bides his time making low brow lungi ads and pitching in as a courier boy, hoping the empty promises of stardom might just come true. And yes, they do come true, but only after a prolonged period of struggle which goes through the usual grind of hunger, a homeless and penniless state.
Yet, what makes this film watchable is the passion that Shahid Kapoor injects in his delineation of Sam, the struggler with stars in his eyes. May be, it's the autobiographical strains of the film -- the advertisements, the dance school, the chorus boy act, the no-godfather syndrome -- that stoke the fire in him. But there is a ring of sincerity and authenticity in his `Hi, I'm Sameer Behl and this is my number, Sir,' stuff during the sundry auditions that seem to be going nowhere. Also, the interactions with the school kids, when he tries to make a living as a dance teacher, has a spontaneity about it. Again, perchance spilling over from his days with Shiamak Davar. The initial I-hate-kids attitude is absolutely delightful -- and refreshing -- too. Add to this the effervescence of Genelia as Tina, the scooty-riding choreographer who thinks from her heart and you have an adequate medley of some moments of fun, fuzz and fantastic moves on the dance floor. Although, we do confess the audio track (Pritam Singh, Adnan Sami, Ken Ghosh, Sandeep Shirodkar) isn't much to boast about, considering the film is actually conceptualised as a musical.
The film may not have the emotional quotient of Ishq Vishq, Shahid and Ken's first film that set the box office on fire, yet it does have its moments. A better scripted, less cliched second half would have surely given the film a better chance to dazzle and shake.
A word about:
Performances: Shahid has a ring of sincerity as Sam, the struggler, while Genelia is her usual ebullient self.
Story: The plot is so predictable, it could put you to sleep. Now that's ironical at a time when Bollywood has so many new stories to tell.
Music: Four music directors and not a single song to boast about. Sad, really sad
Cast: Shahid Kapoor, Genelia D'Souza
Direction: Ken Ghosh
Genre: Drama
Duration: 2 hours 1 minute
Story: Sameer is the archetypal struggler who leaves his dad in
Movie Review: Begin the count....How many times have you seen and heard the story of the bechara struggler who leaves his home town with a tooth brush in his backpack and a bag full of dreams that can only be fulfilled in maximum city, Mumbai. And then, how many times have you seen him eventually rise like the
Umpteen times. And that's where Ken Ghosh's film slips. For, it offers you nothing new in terms of the script which ends up as the weakest link in this entire show. Sadly, it follow all the predictable twists and turns that comprise the star-is-born story. Yes, super-talented Sam (Shahid Kapoor) does leave his dad (Parikshat Sahni) to sell saris in saddi Dilli, in order to become an actor in big, bad Bollywood, minus a godfather and a grand daddy. Yes, he bides his time making low brow lungi ads and pitching in as a courier boy, hoping the empty promises of stardom might just come true. And yes, they do come true, but only after a prolonged period of struggle which goes through the usual grind of hunger, a homeless and penniless state.
Yet, what makes this film watchable is the passion that Shahid Kapoor injects in his delineation of Sam, the struggler with stars in his eyes. May be, it's the autobiographical strains of the film -- the advertisements, the dance school, the chorus boy act, the no-godfather syndrome -- that stoke the fire in him. But there is a ring of sincerity and authenticity in his `Hi, I'm Sameer Behl and this is my number, Sir,' stuff during the sundry auditions that seem to be going nowhere. Also, the interactions with the school kids, when he tries to make a living as a dance teacher, has a spontaneity about it. Again, perchance spilling over from his days with Shiamak Davar. The initial I-hate-kids attitude is absolutely delightful -- and refreshing -- too. Add to this the effervescence of Genelia as Tina, the scooty-riding choreographer who thinks from her heart and you have an adequate medley of some moments of fun, fuzz and fantastic moves on the dance floor. Although, we do confess the audio track (Pritam Singh, Adnan Sami, Ken Ghosh, Sandeep Shirodkar) isn't much to boast about, considering the film is actually conceptualised as a musical.
The film may not have the emotional quotient of Ishq Vishq, Shahid and Ken's first film that set the box office on fire, yet it does have its moments. A better scripted, less cliched second half would have surely given the film a better chance to dazzle and shake.
A word about:
Performances: Shahid has a ring of sincerity as Sam, the struggler, while Genelia is her usual ebullient self.
Story: The plot is so predictable, it could put you to sleep. Now that's ironical at a time when Bollywood has so many new stories to tell.
Music: Four music directors and not a single song to boast about. Sad, really sad
Download [Chance Pe Dance] Songs for free
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Sign up for a free account. After that, you can submit your blog and activate it. Yeah, in order to bid the offers or jobs from LinkFromBlog.com, you have to activate your blog by writing a post about them on your blog. There are some requirements to get activated. You have to include the banner and counter code. What is that? Want to know more? Please go to LinkFromBlog.com and sign up to get a free account and activate [?] your Blog
"mobilefun.co.uk- Everything Mobile" the best UK online retailer for mobile phone accessories and mobile downloads.
We always need a good online retailer were we can buy our desired goods without any hassles and any worry about the quality of the good delivered to us. But here is the ultimate solution for our all worries because there is this site "http://www.mobilefun.co.uk/"
This is a portal for mobiles and mobile accessories. You can get anything that you want for your mobile phone accessories and mobile downloads, new parts, sim, ringtones, games & more. All the kind of accessories and add-ons under one site. Varieties of different products to choose from over 5,000 mobile accessories and with world class quality and over 100,000 mobile downloads like ringtones, mobile games for your java as well as for symbian phones.
This is a portal for mobiles and mobile accessories. You can get anything that you want for your mobile phone accessories and mobile downloads, new parts, sim, ringtones, games & more. All the kind of accessories and add-ons under one site. Varieties of different products to choose from over 5,000 mobile accessories and with world class quality and over 100,000 mobile downloads like ringtones, mobile games for your java as well as for symbian phones.
Some of the hottest deals available on the site are:
iphone dock
blackberry case
Bluetooth Headset
- iphone dock: One step solution to all the Apple iphones available
- blackberry case: Contains the best collection of leather and vinyl pocket case for your blackberry
- bluetooth headset: Provides you with all the available bluetooth headset for all brand mobiles with some sexy and slick style for your ears.
Direct links:
iphone dock
blackberry case
Bluetooth Headset
and most important you will get best bargain at this portal even with some recommendations, which is worthy to note.
Some important points to make you feel, its safe to buy your desired stuff from Mobile Fun:
- Mobile Fun is the UK’s leading online retailer for mobile phone accessories and mobile downloads.
- Has a product range of over 5,000 globally-sourced mobile accessories.
- More than 100,000 mobile downloads (ringtones, truetones, videotones and games and applications )
- The Mobile Fun website is owned and operated by Mobile Fun Limited, incorporated under the laws of England and Wales (Registered No. 3914470). So its completely legal.
- Awards won: MobileFun also have won the following awards. which shows they are the best mobile seller out there on net. For further details, please visit our Awards Page.
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I hope second opinion always provide some more strength to your decision (same as the case with me), just get some more confidence with the following user reviews:
Very good service___
Robert McLaren, U.K.
September 2009
My 3gs dock alarm arrived today :-)
Excellent service emailed me when in stock and recieved 24hrs after order!!
They were the cheapest I could find but the service was second to none!! Thanks...___
Joe, manchester
September 2009
I would like to thank you at MobileFun for your prompt service. I have placed two seperate orders from your web site, the first was a new memory card for my MP3 player and second was a new and larger memory card for my new mobile phone and the very good Bluetooth PARROT MINIKIT SLim/Chic. Both orders arrived the next day as promised.___
Graham.P, Notts
September 2009
Brilliant service, device arrived in 48 hrs as described and that was with a hiccup on my behalf filling in the payment details. Customer service took care of this very promptly, a great service all round___
Cathy
September 2009
Value for money and service the two most important criteria for any business Will recommend this company on both counts___
Dave Pope, Dorset
August 2009
i ordered two new blue tooth sets and they arrived by first post Tuesday,great simple ordering service,many thanks.___
Hamish keenan, scotland
August 2009
There are lots of categories to browse your brand and accessories,the leading manufacturer are nokia, sony ericsson,samsung,LG,Motorola, Blackberry, HTC & Apple. The accessories available are mobile cases, bluetooth headsets, Screen Protectors, Chargers, Memory Cards, Bateries, car kits and spare parts. So you can get all what you want on a single site with lots of choices and secured payment gateway. Even your order can be dispatched the same day for fast delivery.
Just enjoy the ultimate site for mobile phones and accessories: http://www.mobilefun.co.uk/
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