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5 Gadgets That You Should Never Leave Home Without
There are 5 gadgets that any geek should never leave the home without because if you have some spare time you should take every opportunity you get to do what you love and that is have fun!The problem is you cant take every gadget with you and because of this you will have to decide which ones are more important to you. Here are the 5 gadgets you should not leave home without!1. Cell phone.
The cell phone is the most important devise you could ever leave at home. If you leave your mobile phone at home you have no communication with any one and you cant browse the web on the move and check email wile you wait for the bus or train.2. mp3 player.
Whether you go to work on the train or if you have your own transport some times you just want to listen to your own music and when you don’t have your own music on hand you get very frustrated!Always take your mp3 player with you so that if the radio is just not entertaining you or if there is a baby crying you can get away from it all.3. Hand-held devise(PSP, nintendo dci)
Every gamer out there knows that every second you could of been playing a game but weren’t is a wast of time so because of this you should always carry your favourite hand-held gaming console around with the top 5 games you like.4. Netbook/notebook
If you want to browse the web wile you drinking coffee the best thing to do is pull out your netbook and go online vie the wifi hotspot.5. Flash disk
You never know when you will need to get some files from some one or if you will have to backup some data, by carrying around a flash disk all the time you have peace of mind that you wont have to waist time asking people if you can borrow theirs.
Understanding Addiction to Paid Sex
Sex addiction, when it comes in the form of paid sex, can have a greater negative impact on a person’s life than some other sex addiction behaviors. Not only can it form a dependence on faulty relationships, but can cause financial, legal, and health problems.Paid sex comes in many forms, from the most common phone sex to the highest profile, prostitution, but all are forms of sex addiction.Phone sex is one of the easiest to access version of paid sex, but because the calls are charged by the minute, it can quickly become a large financial burden for a person with sex addiction seeking this as an outlet. Phone sex offers a level of intimacy, or false intimacy, if you will, above pornography, but allows for some distancing, making it an attractive option for an addict looking for a minimal degree of intimacy but may be too shy or lack the social skills to obtain sex in another fashion.A number of things can occur during phone sex. Different services offer different options, and paid sex workers, sometimes referred to as “fantasy artists” or “adult phone entertainers,” are usually trained to provide these various services to callers. The conversations can include suggestive language, descriptions of sexual acts, the verbal acting out of sexual acts, or guided sex tours. These things can revolve around taboos or other acts the caller does not have access to in real life. Callers will often masturbate during the conversations or shortly after.Someone who uses phone sex to cope with a problem or fill a need can quickly find him or herself in a large amount of credit card debt, or with a high phone bill. If the person is suffering a true sex addiction, the initial “sticker shock” may not have enough shock value at first to get them to stop, and in fact can escalate the addiction by incurring even more credit card and phone bills. This can cause a downward spiral, with the financial pressure pushing the sex addict deeper into the behavior, or causing them to seek other outlets for it. If they are left unstopped, they may resort to criminal behavior to pay for phone sex, such as stealing cell phones or credit cards.Because of the level of human interaction going on, a person with this addiction can develop an unrealistic sense of what a real relationship entails. If the behavior carries on for a long time and the sex addiction is deep enough, it can prevent a person from forming valid relationships when the opportunity arises, or sabotaging an existing relationship. The sex addict comes to rely on these “relationships” as real. Phone sex is considered cheating by many, and because of the billing situation can be difficult for a sex addict to conceal. This can lead to emotionally charged and unexpected scenarios when the spouse or partner discovers their significant other is not only in debt, but had been paying for phone sex.Aside from paid phone sex, an addict can also use Websites that have a paying component. There is an abundance of free pornography online, however, and while these Websites are able to do business, a sex addict who is relying on them has them as less costly options compared to phone sex or prostitution.Like phone sex, prostitution raises a cost issue which we have covered. Besides financial ramifications, prostitution presents significant health risks to the addict, not the least of which are sexually transmitted diseases. Prostitution is also illegal in most places and is usually surrounded by other illegal activities and violent people supporting and practicing them. A person with a sex addiction who sees prostitutes on a regular basis also exposes him or herself to legal consequences which can damage a reputation or cost a person their marriage, family, relationships or job.A sex addict using prostitution may be seeking a level of intimacy not found with other forms of sexual release available to them. While the interaction may simulate the intimate parts of a real relationship, it only leads the sex addict to develop a poor understanding of meaningful romantic interaction. And like phone sex, it can stunt or block a valid relationship from forming or destroy an existing one.Prostitution, and to a lesser extent, phone sex, also creates a false power dynamic that can add to the distorted idea of what a relationship should be. The prostitute is a paid contractor, and will perform sex acts the client might not otherwise be able to engage in with someone not performing for money. The prostitute is in a subservient position more akin to an employee rather than a caring romantic partner. This may become part of the attraction to the person with this addiction and they may carry some of the mindset into a real relationship by attempting to trade favors, gifts, or affection for sex.
Commercial Loan Borrowers – Is There Such a Thing As a Perfect One?
There are no perfect Borrowers. Why? Because each Borrower has their own set of risks associated with them. They way banks look at risk is unique to each bank. Not only is it unique to each bank but also unique to each lender, underwriter, credit officer, senior credit officer, loan reviewer, regulator, and the list goes on.When dealing with lending out someone else’s money, it is guaranteed that each of the Borrower’s risks is scrutinized differently by each person who has a stake in that credit (or loan/exposure). There are guidelines set by each institution that “guides” each individuals thought process about the loan request (typically called a credit policy), however, each individual underwriter/reviewer will have their own take on what they feel is critical and subject to further analysis.Each Borrower’s loan request is put through a subjective evaluation before money is lent. The key word here is subjective. What is the appropriate debt service coverage, loan to value, debt to tangible net worth, structure, covenant, etc.? All subjective – granted there are best practices, but nonetheless, subjective. The loan request is subject to industry comparison, subject to regulation, subject to individual thought process, etc. Once this is understood, the Borrower can begin to understand a bank’s underwriting process.Once all information related to the loan request is obtained, an analyst will typically crunch the numbers and begin underwriting the deal. Once the analysis is completed it is typically reviewed by at least three additional parties. For a smaller bank, the reviewers may include the Credit Manager and/or Senior Credit Officer. Once reviewed, depending on the size of the credit, it will need to be approved by the Senior Credit Officer, Approval Officers (i.e. Division President and CEO), and/or a Loan Committee. Once the loan is approved, it then needs to make its way through the bank’s Loan Review division. At periodic intervals the loan package will be reviewed by regulators such as the FDIC. Just from this example, the number of individuals looking at and scrutinizing the Borrower’s loan request is almost in the double digits.With so many individuals reviewing a single deal, whose jobs are to be critical of the Borrower’s loan request, it is easy to see why there is no such thing as a perfect Borrower.
Posted in Finance
Tagged Commercial Loans, Credit, Credit Tips, Currency Trading, Finance, Leases Leasing, loans, Personal Finance, Personal Loans, Student Loans
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Looking For Great Furniture for Your Home, Look To The Past
The best values in furniture tend to be older second (or 15th) hand pieces that have given many years of good service to their lucky owners. This is especially true of case goods like chests of drawers, tables, bookcases, china cabinets and other types of wood furniture.These types of older wood furniture are sturdy enough to stand the test of time and use in our homes as every day items. Solid hardwood furniture is becoming more and more rare. It’s the major reason the best furniture tends to be old furniture. Hardwood furniture is very sturdy.If you look into drawers and into the undersides of tables and chairs you will see the differences in construction that make this quality of furniture both obvious and desirable. Dovetail drawers, chair legs that are part of the seat, dust barriers between drawers all denote quality construction.Much of this furniture is older than 60 years…almost but not quite antique…so it’s still reasonably priced. Find it in old homes, at garage sales, in antique and junk stores…anywhere you can.Even furniture with some damage can be refinished with miraculous results into something to enhance your home. The best at antique furniture restoration and antique furniture refinishing know how to take care of the wood and treasure it.This older furniture with hardwood construction is much better quality than modern furniture made of press-board or MDF. Even a little water exposure will destroy any furniture made of this material, including kitchen cabinets. Just ask any insurance adjuster.You can collect old furniture one or two pieces at a time as you have cash to buy.Don’t worry that you will end up with a home that looks like a museum. All kinds of styles of furniture are available including antiques, antique reproductions, modern, primitive and lots of choices in between. You can specialize in a particular style or mix them up for an “eclectic” look.A primitive bench can warm up a hard contemporary room without compromising the minimalist look.A bombe chest can be a centerpiece of a room without overcrowding.A gate-leg, drop leaf table can be a dining table or an end table as you move from place to place, serving multiple purposes and looking good, too.This collected furniture tends to look more sophisticated and has the virtue of making you look good, too. So start hunting for really good furniture. Also, make sure you find a specialist in antique furniture restoration or antique furniture refinishing who knows how to take care of the wood and have fun making your home just what you want.
How To Avoid Becoming A Victim of a Payday Loan Fraud
Have you received a phone call from a so-called law firm threatening to sue you for check fraud? Have they called you at work and told you that if you did not pay them, they will show up at your job and serve you with court papers or worse yet, arrest you? Are your family and friends being harassed and threatened about being sued for conspiracy to your crime?These are the most common tactics used by scheme companies today so that you would provide them with your credit card or bank account information. They tell you that you need to pay off a payday loan debt that you supposedly borrowed from a lender online.Who would not be afraid of these threats? Most people who receive these phone calls are the ones who did obtain a payday loan over the internet at some point or another. Let’s face it; payday loan borrowers are repeat borrowers. It is possible that one may forget which internet companies they actually have borrowed money from. Upon receiving one of these calls, one might think that they forgot to pay off the lender and now is the time to pay them back.It is not so hard to believe these scammers either. Most will tell the victim that they are collecting the money to pay off payday loans that they did owe before, or may currently still owe. 99% of the time, they will convince you that you borrowed the payday loan by stating the same exact information that is typically used to apply for a loan: your social security number, your bank account number, employer information, and personal references.So how did these companies get a hold of your information if they are not your payday lender? How can you be sure that this is a scam?There is no certain answer as to how these scam companies gather your personal and private information. The process is still under investigation and may take years to crack.Majority of the people who receive these calls are those who do have payday loan debt with numerous companies over the internet. In most cases, these people are protected by the payday loan consolidation company they are working with. These companies can easily track which collections calls are legit or not.So what if you are not working with a payday loan consolidation company? How will you know that this is a scam? First of all, think to yourself: “Will a ‘law firm’ actually ask me to make a payment directly to them? Is that really their job?” Obviously, the answer to this questions is NO. Second, most of these scam companies work off-shore and you will be able to tell the difference just by hearing their thick accents. Third, ask the voice on the other line to provide you with your loan agreement and documents. You need to ask them for proof that you did indeed borrow this money, and if they cannot give you the information you requested, let them know that you will not pay them a dime. You can also take their phone number and search for it online to see if it is a legit company or not.While many have fallen victim into this scam, you do not have to be one of them. Stand your ground and do not be afraid to say no to these criminals. Be persistent and let them know that you will not succumb to their threats. Once these scammers realize that you are too smart to fool, the phone calls will stop and the nightmare will be over.
Employment – Your Contract of Employment
A contract of employment is an agreement between an employer and an employee. This contract states your rights and duties as an employee as well as the rights and duties of your employer. These rights are known as ‘terms’ of contract. The contract doesn’t have to be in writing, but you’re entitled to a written statement of the main terms within two months of starting work.Your contract of employment should be made up as soon as you accept a job offer and both you and your employer are then bound by its terms until the contract ends or until the terms of your contract are changed.There are many aspects that have to be covered within your contract of employment so we will start with the basic information which is your job title and job description. Your employer technically doesn’t have to provide you with a job description but it is best that you try and get one as it will give you something to refer back to if you feel you are being forced to do unreasonable tasks, it will also state all of your responsibilities, including any extra ones that you may not have been aware of. Your contract of employment will also state your date of employment. This date of employment is the date that you officially become an employee of this particular employer. As well as showing the date that you officially become and employee, your contract, if not permanent, should state when your employment will end.Two other aspects that will be placed within your contract of employment is your rate of pay and your hours of work. Your rate of pay will state how much you will be paid per year, before tax has been taken off, and when you will be paid, usually either monthly or weekly. When it comes to your hours of work it is important that you check you’re weekly hours and thoroughly read through your contract to see where you stand with overtime. Some contracts limit the amount of hours that you are able to work a week so checking your contracted hours is important to make sure that you are able to work the amount of hours that you agreed to.Other aspects that should be placed within your contract of employment is your holiday entitlement and holiday pay. Most full-time workers have a statutory right to 24 days’ paid annual leave, and from 1 April, 2009 this increases to 28 days. There are merely just a few employees that might not automatically be given these rights. As well as having information about your holiday entitlement you will also need sick pay information. This part of your contract of employment will inform you about the amount of pay you are entitled to if you are enable to work due to illness If there are no terms or conditions related to pay due to injury or sickness, the work contract must say so.Every aspect and detail of your employment should and needs to be stated within your contract of employment. If you feel that any part of your contract of employment is breeched at any time during your employment it is important that you seek professional help to find out where you stand legally.
Posted in Employment
Tagged casual employment, employ employment, employment, employment at will, employment bond, employment contract, employment gap, employment law, employment lawyer, employment news, gaps employment, the employment
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Yoga – An Alternative Exercise
Yoga was first experimented with in the US in the 1960′s and has steadily grown in popularity since. Approximately 30 million Americans practice Hatha yoga. Like many of the other alternative medicines, yoga promotes a whole-body approach to health and exercise. Unlike traditional medical practices yoga is a physical and mental discipline that uses posture-related techniques that involve gentle stretching, breath control and meditation. As patients delve more and more into the alternative medicine fields to cure their health problems the followers of acupuncture, chiropractic, meditation and yoga are growing at a rapid speed.Yoga originated in India around 3300 BC. Much like many other practices in India, yoga is associated with philosophies of Hinduis, Buddhism and Jainism. Yoga has several meanings which are derived from Sanskrit, all of which can be correlated to traditional or modern day yoga, “to control”, “to unite”, “contemplation”, and “absorption”. The major branches of yoga include Raja Yoga, Karma Yoga, Jnana Yoga, Bhakti Yoga, and Hatha Yoga. Traditionally yoga was a ritual discipline of concentration with a goal of improving health to achieve Moksha, which is a release from worldly suffering.Hatha yoga is the most commonly practiced type of yoga in US. Hatha yoga is what typical Americans refer to as yoga is used for mental and physical health. Americans consider yoga an alternative to exercise. Yoga is mental and spiritual well being brought about through physical postures and poses. It involves a connection between the mind and body through breathing. Yoga strengthens the muscles and stretches the body in order to calm the mind. Yoga is a great way to improve flexibility and decrease physical discomfort in the body.Due to high stress levels in people’s lives, many turn to yoga to reduce this stress. Yoga is known for reducing stress and increased relaxation of both mind and body. However it has many other health benefits as well. Yoga has been known to help with people who suffer from lower back pain. Due to specific poses, yoga strengthens and stretches muscles, which can be effected by injuries. In addition people who suffer from high anxiety have seen improved results from yoga based on it’s calming of the mind and spirit.Now a days you can find classes for all different types of yoga and for people of all different ages. Most people who turn to yoga are either looking for a gentler way to exercise or a more holistic and spiritual way to reduce stress and relax. Try a beginners yoga class to see if this alternative exercise is right for you.
Posted in Health
Tagged Acne, Anti Aging, Beauty, Cosmetic Surgery, Diabetes, Drug Abuse, Health and Fitness, Massage, Meditation, Nutrition, Personal Training, Popular Diets, Skin Care, Spa and Wellness, Speech Pathology, Weight Loss, Yoga
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Keep These 5 Rules in Mind for Successful Commercial Designing
Who doesn’t want an excellent commercial design? Excellent commercial design is important to maintain the reputation and brand image of the company. As it is said, the first impression is the last impression, a good impression always attracts potential customers. It’s obvious no one would ever love to walk in a congested environment with bad lighting.
Bad design and interiors deteriorate the productivity of the employees. It can be a confusing task when planning a commercial designing project for the first time, hiring expert Commercial Architects Melbourne can be the best option to know about the latest trends and perfect matching designs.
This blog is about some basic rules to consider for making the commercial project successful.
Keep structures versatile
When it comes to transforming any commercial space, focusing on convertibility and keeping office interior decor versatile can be the best option. It can be done by implementing a versatile structure to spaces such as cafeterias, offices, and many more. Everyone gives preference to comfort hence, focusing on spatial and versatile design will help to complete commercial designing projects in an optimal way.
Consider the latest technology implementations
Technology plays a supportive role to enhance the commercial designing project. Moving forward with the latest technology is important to execute any business smoothly because technologies make the work much easier and comfortable for the employee as well as organizations. Implementing centralized and decentralized digital control is much needed in any commercial design.
Keep office aesthetics updated
Good aesthetics and interiors impact the overall representation of the office and make the place functional and attractive. Hire a reputed designer for modern décor and furniture ideas. Hiring a designer reduces half of the project stress and helps to meet the contemporary fashion and latest trends. They can help to choose the perfect theme that blends well with the office decor, atmosphere, and colour.
Provide personalized space to prevent congestion
Majority of customer prefers personalized space such as different seating to seat comfortably and do the personal work. Personalized space is one of the crucial factors for customer-based service offices such as hotels and cafeterias to provide an ambient and comfortable place.
Always keep safety first
Safety is the central feature of every construction and designing project. Hence, it’s the high-priority factor to keep the aesthetic and functional safety at the working place. It can be compromised for interior decoration and design purposes but it’s not at all affordable to compromise for safety purposes.
Following the above useful ideas can easily help in the successful completion of a commercial designing project in a safe and pleasing way. In today’s, modern construction, reliability, and comfort is also an equally important factor.
Final words,
It’s important to hire the experienced Building designer Melbourne to make the commercial designing project worthy. Hope the above rules helped you to scale up your interior designing projects with a better outcome. Follow the above tips for any renovation or remodelling project and surely you will get award-winning and achieve a better office experience.