Customer Service

A great deal of energy is expended by many of the largest business corporations persuading us that they are truly committed to providing excellent customer service.

            If my experience is shared by other consumers looking for reasonable service from businesses, then these claims are hokum.

            I am writing this from an Australian perspective, so mentioning specific names is pointless, but I will give some examples of what I have experienced.

            A large department store chain is struggling to keep pace with its main competitor. The retailing group owning the department store chain is considering selling off the business, since they cannot see the solution to the poor performance. I have shopped at this department store.  One time, I found entering the store to be an eerie, almost surreal experience. There were no people. Eventually, a few staff members and customers ambled into view. I asked for directions to find a product, and was told ‘to the left’ with the wave of an arm, and no eye contact. A little later, I had to wait for the privilege of paying for the item. Staff morale was obviously at rock bottom, and it was no fun to shop there, so people did not bother. Any senior executive could surely have seen and sensed what I did. Too obvious, I guess.

            The telephone company had a promotion which involved telemarketers calling and offering a deal that included a free cell phone. When I received the call, the telemarketer was based offshore, and had a heavy accent. To make matters worse, the telephone line was appallingly bad – I could barely hear what was being said. When I said I did not want a free cell phone the telemarketer demanded to know why not. I ended the call as politely as I could. For a telephone company to market its services over poor phone lines with a telemarketer who wants to argue with potential customers simply defies belief.

            I was in one of our major banks, and overheard some conversation from the staff behind service desk. One of the staff, obviously experienced, was dealing with what appeared to be a young customer. She seemed flustered. When the ‘customer’ left, her colleague leaned over and said ‘that was a shopper’, to which she replied ‘I thought so’. The shopper was a phantom customer, used by the bank to check if the staff members followed the prescribed formula to deal with a customer. This branch of the bank dealt with customers who were both wealthy and of advanced age, some a little eccentric. To use the formulaic approach would risk driving them away.

            We humans are a gregarious species. We enjoy communicating with our fellows - we need to be            needed. We are hard wired to cooperate, so helping one another should come naturally. But no, decision makers, out of touch with day to day life, seem to come up with formulas to better what we do naturally. As I said at the start – hokum.

CREDIT IDEAS

Most of the people nowadays opt for credit from different credit lending institutions, lenders etc. to fund their credit needs and requirements. People usually from the middle-class income group opt for credit loans to fund their requirements and as well as present needs, the reason being that the people of the middle income group usually can’t afford to spend a lot of money together. Thus, they opt for credit loans and thereby satisfy their present needs. However, with the advent of time the availability of credit in the market too has a seen a recent rise along with the demand of credit in the market.

There are a lot of ways available in the market, as to how an individual can raise credit for his individual purpose. People can raise credit from the market to meet up their present demands; they can raise credit to meet the demand of their collectors; they can raise credit for any reason that they want from the market, depending upon the situation and demand of funds by the borrower. The main problem however, arises when the borrowers are refused credit in the market by the lenders. The reason can be anything. Maybe because the person has never taken any credit at all, or because he or she has a bad credit history, so he or she will be refused to be given any credit. That’s why it is said that if any person does not have any credit history and wants to build credit, then he or she should have all the priorities in order, or he may not be able to build any credit.

In case the borrower has no credit and needs money to make out or sort out any payments then he can do it so from his credit cards, if it has the facility of bad credit. In this if any person has to make out any payment and has no cash available with him, and then he can make the payment from his credit card. This avails him with time. The person can then makes the payment in monthly installments, to the credit service providers. However, if the person does not clear his due in due time, then it avails him the luxury of bad credit, which can lead to refusal of credit in time to come.

Most of the people prepare or repair their own credit. They usually go to libraries and exchange documents and articles to find out the required information’s, that the individual will have to part with, while trying to build his credit. People can otherwise obtain printed formats and systematic tools with the help of which, he or she can frame a letter to send to the lender asking for credit. Letters are usually considered more legal as they can be used for further reference and can also make use in the legal workings.

People should clear of their dues, and thereby give no reason to the lenders to refuse them credit.

Credit Cards

Using a credit card to work up a huge debt is probably the easiest thing a young adult can do. Reasons unknown, all of us feel more comfortable handling a credit card than handling cash.

High credit card debt results in heavy and perpetual losses until the debt is nullified, because the interest rates on credit card debt are unusually higher than normal loans. One ends up losing more money paying interests than that has been spent, not to mention the repercussions on credit rating when one fails to meet up with the payments. These debt traps can actually be used for your benefit if you follow a little prudence and the following tips:

Keeping in mind the interest rates transfer you balances to the lowest rate card where you might get a 0% or lowest possible rate or some period of time. During this period you can attack your other debts that are attracting heavy interest. Be prepared and keep track of other balance transfer offers and get ready to repeat the process towards the end of the period on the first offer. If you don’t find one, pay off as much as you can to reduce burden. Due to intense competitiveness of the credit card industry, you will always find 0% offers on the market. Always remember, the debt still exists.

Another useful and efficient tool to reduce your credit card burden is a debt consolidation loan. These loans carry far lower rates of interest compared to credit cards. You can take a debt consolidation loan at a lower rate and do away with all the debt, only make sure your repayments are on time so that you credit rating does not take any more beating.

Another way of reducing credit card debt is to exercise self restraint. This is easier to preach than to do, but the only practical way out of this is to slice up your cards, so that there is no induction to spend unless you have extra money.

CORAL CALCIUM

Shigechiyo Izumi is world’s oldest living person according to the Guinness book of World Records. He is 115 years old and retired from work at the age of 105, despite which he enjoys a remarkable health and is very active physically. He is Japanese residing on the Sango Coral islands in and around Okinawa. His secret has been revealed by medical tests as consumption of coral calcium.

The Sango islands were formed from Sango Coral reefs which have a chemical composition similar to human bones. During rain, the rain water naturally percolates through these reefs and accumulates various minerals and elements. The water becomes rich in essential vitamins and has a pH value between 7 and 8.5, indicating high alkalinity. This water contains a high level of coral calcium.

Sango coral is the only one of its kind to have these unique qualities (health benefits to human beings) out of about 2500 species of corals. It occurs in abundance only around Okinawa, Japan. Today, over 4 million Japanese are in the habit of consuming coral calcium capsules daily, as a result of the efforts of the Japanese government. The Japanese government authorized mining of Sango Coral sand for coral calcium about 10 years ago. This operation is very carefully monitored so that no living coral is damaged, and extracts, pulverizes and treats the Sango Coral sand rich in calcium, magnesium and trace minerals to produce coral calcium. The result is packed into capsules, which when consumed raise the pH level of the body to a healthy alkalinity.

The other cultures around the world who enjoy longevity are Titicacas of Peru, Azerbaijans, Armenians, Hunzas of Pakistan and Tibetans. They attribute this to drinking “Milk of the Mountains” – the molten glacier water which contains crushed rocks in the glacial ice, is turbid and white like milk. The scientific inference from these is that consumption of Calcium whether coral calcium or in other forms is beneficial in prolonging human life.

    

Coral calcium is full of trace minerals, the major ones being calcium and magnesium. Humankind has been depleted of micronutrient elements essential for proper functioning of body cells. The soil polluted by industrialization does not have enough minerals to keep the human body going. These have to be present in the soil first to be absorbed into fruits, vegetables and other edible natural food. In contrast coral Calcium consists of 74 trace minerals that are naturally ionized which results in better absorption by the human body. Strangely, but truly there have never been doctors in Okinawa, Japan, owing to coral calcium, proving the effectiveness of coral calcium in keeping the human body healthy and fit, apart from longevity. Over 200 diseases are linked to mineral deficiency including diabetes, cancer, heart disease, gall bladder and kidney stones and arthritis. Coral calcium, by providing essential minerals helps in keeping the pH balance in human body.

   

pH in normal terms means potential hydrogen. It is a measure of hydrogen ion concentration in a fluid. pH is measured on a scale of 14, 7 being the midway or neutral. A pH value below 7 indicates acidic and above 7 indicates alkaline. When a fluid is acidic, it is oxygen deprived. A human body is said to be non diseased only when the pH value of bodily fluid is alkaline measuring between 7 and 8 on the pH scale. The normal pH value of blood is between 7.35 and 7.45. If it drops below 6.8 or rises above 7.8, life becomes non existent.

Coral calcium increases the oxygen level in the body enabling to dump the toxic waste that keeps accumulating. Drinking oxygen rich spring or mineral water having high pH level combined with coral calcium and other minerals arms the human body with disease fighting ability, naturally.

CONTACT LENSES

Far back in the history of mankind, in 1508, Leonardo da Vinci described and drew the sketch to express his idea of a contact lens. But it was in 1827 that Sir John Hershel, an English astronomer astounded the world with his idea of making a mold of a human eye so that a lens could be made to fit perfectly. Sixty years later in 1887. F.A. Muller, a German glassblower used these ideas to create the world’s first known contact lens.

Contact lenses are full contact optical accessories which rest directly on the cornea to facilitate a better and natural vision than contemporary spectacles. Distortion due to side vision and eye-lens distance is nullified in using contact lenses. With spectacles the eye-lens distance makes the size of the objects appear bigger or smaller than actual depending upon whether you are far sighted or near sighted.

Spectacles or eye glasses block the peripheral vision due to the frame. When you look sideways, upwards or downwards, you are looking outside the perimeter of the lens which makes you look at object without the eye glasses resulting in distorted or blurred vision because you are not looking through the optic zone. This is more so because of the smaller frames in vogue today. When you wear contact lenses, irrespective of which way you look, you are always looking through the optic zone resulting in perfect vision. Contact lenses are immune to scratches and easy breakage. They are also immune to fogging and will give clear vision even on a rainy day.

Contact lenses are basically of two kinds; Soft contact lenses and RGP (rigid gas permeable) contact lenses. Both these kinds of contact lenses can be used to correct all kinds of vision i.e. myopia, hyperopia, astigmatism and presbyopia. Soft lenses are easier to wear and more comfortable while using initially, the reason why they are chosen by more than 80% users. RGP lenses are used only when you need to wear them continuously over a long period of time.

Choosing a contact lens depends upon the outcome of your optical examination by your ophthalmologist. It is always wise to inform him that you wish to use contact lenses and not spectacles, so that the ophthalmologist can test your eyes accordingly and make time to fit your contact lenses. This might be against your ophthalmologist’s preferences, as some of them do not recommend contact lenses unless you ask them especially for a set.

Wearing contact lenses is best suited to some people like sports persons, riders, acrobats etc. because they do not interfere in their professional life. Contact lenses can correct all kinds of vision as referred above. If you are in any of the above professions and prefer to wear glasses, you can wear contact lenses on the job and swap them for spectacles in your leisure time activities.

Colored Diamonds

Color Treated Diamonds

Many people are starting to favor the fancy, vivid colored diamond gem stones over the traditional transparent, or white, diamond. Some diamonds are found in their natural colors when they are mined, others become colored by gemologists and jewelers during a treatment process.  In order to make them more affordable to the average consumer, companies have begun color treating diamonds of lower grades in order to take a less desirable yellow or brownish tinted diamond and make it into a beautiful, brightly colored diamond.

Colored diamonds can be treated by a process called irradiation, which uses a high heat system to alter the color of a diamond.  Other diamonds are treated by painting.

Fancy Colored Diamonds

While many diamonds are inspected and valued based on their colorless qualities, there are people who prefer the fancy colored diamonds that come in vivid hues of greens, yellows, reds, pinks and all the different colors in between.

Some colored diamonds are that way naturally.  If a diamond has nitrogen in it, it often has a yellow tint to the stone.  If the gemstone has been effected by radiation, the gem may turn green. 

Other colored diamonds have been treated to obtain their color, and this allows people with lower budgets to purchase the fancy colored diamonds.  Gemologists have found ways to alter the colors of diamonds to get any shade or hue desired.

The grading process for colored diamonds is slightly different than that of the transparent diamond.  First, a colored diamond is graded based on the primary hue, the blue or pink or red color that makes up the majority of the diamonds color.  Second, they are graded based on the intensity of that color.  A very intense, naturally colored diamond is more rare than a less intense diamond, and therefore more expensive.  A treated diamond will cost less than a naturally colored diamond in most instances.

Synthetic Diamonds

Most diamonds are found and mined by miners, but more recently, scientists have come up with ways to create synthetic diamonds.  While a synthetic diamond is still a “real diamond”, they are created within a laboratory instead of by nature in a mine.

Colored Diamond Names

Because fancy colored diamonds come in so many different shades, it can sometimes be difficult to interpret the name of the diamonds color.  Often, you'll find two colors labeling the shade of a diamond, such as greenish blue.  Each name has a primary color description, and some have a secondary color description.  If a diamond is called “blue diamond”, you can tell it will be a blue shaded diamond gemstone.  If the diamond is called “greenish blue”, you may wonder what that means.  Is the diamond blue, or is it green? The color that is described with the “ish” at the end is considered the secondary color, and the other color, in this case blue, becomes the primary color.    So a greenish blue diamond is mostly blue, with specks of green seen throughout the stone.  If you come upon a diamond labeled “brown red”, then the diamond will have equal amounts of both colors seen through the stone.

CHOSSING YOUR PC PHERIFERIALS

When buying a computer you must consider not only the quality of the internal components, but also the external ones that make the entire multimedia experience possible.

Computer peripherals, from printers to web cams, are an important part of our lives and activities, if not the most important one, depending on our needs and habits. When you are faced with the situation in which you have to choose peripheries, consider a few aspects before making your move: utility, price/quality combination and purposes they should serve.

Relying on these criteria, when we buy a printer we must think of why we are buying it. For example if it is meant to be an office printer and it will be mostly used to print out contracts and objectives, then the best choice is an all-in-one printer that can print, scan and have the functions of a fax machine at the same time. If however we want a home printer mostly to get copies of our digital photos then considering a color printer is a must and maybe we should think about making it a laser one.

The keyboard and the mouse come first in computer-user relationship and they also add a touch of personality to your personal computer. Browse for complete sets that can include even a mouse pad and try to assort them with the color and shape of your computer case. Nowadays the optical and wireless mice are the best choice, so buying a wireless multimedia keyboard can be of use also.

Communication with loved ones is done through the internet often. Then why not making it perfect by buying a web cam to assure a real time conference between us? Also, we will need a microphone to be able to hear and see at the same time the loved one and then we can talk as if he or she was in the room with us.

There are many types of computer peripherals out there: external hard drives, sound speakers form tiny to extremely large, real 5.1 systems, scanners, card readers for our digital camera and many more. All we have to do is to make of list of the uses we need our PC to have and then go shop for the according peripherals for every purpose. Whenever they can be combined you must diffidently do that to avoid taking up a lot of space.

CHOCOLATE – HEART MEDICINE

An every day ratio of dark bitter chocolate could help prevent heart diseases, according to a study realized by a team of Swiss researchers. The Swiss researchers say that the anti-oxidants from chocolate could prevent the blood veins to become smaller and less wide.

The research team came to this conclusion after testing on a group of 20 volunteers, which were smokers without health problems. The subjects were asked not to eat any types of aliments rich in anti-oxidants such as apples, onion and cabbage and after that they were given 40 grams of different types of chocolate.

Two hours after consuming the chocolate, the echo-graph showed that black chocolate, with a cocoa percent of at least 74%, significantly improved the blood flow. Additionally, ulterior tests showed that the risk of encountering blood accidents and blockages has been decreased to half of the initial risk. However, white chocolate did not achieve similar effects. The researches that performed the study say that dark chocolate contain the biggest quantity of anti-oxidants for one gram than any other products like red vine, green tea or forests fruits.

Chocolate is indeed an aliment that has many anti-oxidant elements in it. But it also contains fats and glucoses in huge quantities. So, it can cause weight problems if excessively consumed.

The best thing to do is to adjust your chocolate portion to your actual weight and to the amount of physical effort you make everyday. Persons that are involved in a great deal of effort can consume chocolate without fearing weight problems. But the ones that don’t, like people working in offices, sitting all day on a chair and not doing any kind of sports are confronted with a big problem if they eat too much chocolate. If the organism doesn’t call for sweets, like it does when we are cold, tired or worn out, then the chocolate use should be reduced to a minimal portion a day.

Traveling > China

The Forbidden City, located at the center of Beijing municipality, was the seat of power for 24 emperors from 1406 to 1911. It took thousands of artisans and 14 years to complete the colossal complex spread over 720.000 square meters with 9.000 bays of halls and rooms which become a symbol of China’s monarchial grandeur built on the blood and sweat of its toiling peasantry. Significantly, however, the main entrance to the imperial city, Tiananmen or the Gate of Heavenly Peace, connects the past with the present in a curiously fatalistic manner.

Indeed, the wealth gap in Chinese society has increased phenomenally with the difference between the wealthiest and the poorest having risen from as much as four times in 1978 to almost 13 times today.

So, what we have in China today is tremendous economic freedom without political empowerment of the citizenry. Corruption and nepotism are logical outcomes of this situation. And the middle class is too tiny to influence the system.  According to one estimate, middle-class groups with income ranging from 2,500 dollars to 10,000 dollars per year constitute less than five percent of the population. By contrast, lower income groups even in wealthier cities such as Beijing, Shanghai, Shenzhen, and Guangzhou do not earn more than 900 dollars a year. About 60 percent of China’s population still lives in the countryside, with per capita income less than 300 dollars per year.

Having said that, one cannot ignore China’s huge population base of 1.3 billion people. Even at five percent, the country’s middle-income segment numbers at 65 million people. These people are the architects of the future China which, many observers predict, will be the major economic powerhouse of the world by the end of the decade. A glimpse of this can be had in Beijing’s scores of multi-storey shopping malls where customers literally trip over each other to move ahead. Its huge and fashionable hotels are crawling with guests, as are its eating houses, bars and discotheques.

And the Forbidden City is not so forbidden anymore. It is one of China’s major tourists’ attractions where hundreds of hawkers accost visitors and shove tourist books in their faces, quoting prices with huge margins for bargain. Finally, China is waking up from decades of slumber.

Online Business Checklist

So the desire for starting a business online business is calling you.  You have some great ideas; have a lot of enthusiasm your ready to start.  You’re going to make a large amount of money and be your own boss.  Well wait a minute regardless of the claims of how easy it is to get rich off the Internet.  You will find starting an online business is no different than starting a business in the non virtual world.  Maybe you need to consider some things first to make this profitable and mistake free.

When contemplating starting an online business you need to take an honest look at yourself.  What are your skills?  What kind of interests do you have?  Many people stared their online business in the fields that they worked.  A graphic artist could start a web design company or produce custom graphics.  You will also want to think of the type of jobs you truly enjoy.

Do your homework to start your online business.  Do not make the mistake of putting all your efforts, money and time into a service you want and try and find a market for it.  You can not make people like your service or product.  Instead find out what the consumer would like and then design a service or product to fit that need.  Also just like a real world business there is a certain amount of risk.  By doing your homework you can lessen that risk by finding something people will buy and for how much.  This allows you adjust your costs to make sure of a profit.

You also need to study your competition.  Find out what they are doing and what works or what doesn’t work.  The more information that you have in regards to the market and your competition the better chance of success you will have.

Starting your online business you need to have a plan and follow it.  What will it cost to start?  Where will you get that money?  If you are going to ask for a loan you will need to have a business plan to present to the loaning institution.  It is a good idea to have a business plan even if you are funding your online business yourself.  It will give you some set goals to look at.

To get your online business going you will need to make a time commitment and keep it.  It will be difficult to keep a full time job and work on your new online business.  You probably will not be able to accomplish that unless you set a specific time to work on it.  Starting an online business and making it profitable enough for you to work full time on it does take some time.

You have done the required research, taken the time and made the commitment for your online business.  You feel that now have a great product that the world wants and priced that they can afford and you make a profit.  You have one more thing to consider marketing.  Your customers need to be able to find your product so they can purchase it.  This can be done online, offline, or a combination of them both.  You will need to continually study what works and what doesn’t until you find what works for you the best.  However, remember what works today, may today may not tomorrow and be able and willing to change your approach to marketing as the consumers dictate.

CHEAP HOME INSURANCE

Home insurance is a type of insurance policy in which the home along with its contents and other possessions of the homeowner is insured against theft or accidents that may occur in that particular home.
Basically, the term home insurance includes he insurance structure for two different criteria’s. The insurance for the home and then the insurance for the contents of the house, that cover the household objects and as well as the other valuables. However, all insurance policies are not created alike, which makes it harder for the homeowners to decide which insurance policy will be better and cheaper for him. Usually the premium paid and the level of protection offered by the insurance policy differs from policy to policy along with the premium and price.
Homeowners should take special care and should make complete research before concluding and deciding on which insurance policy to be undertaken by them.
There are steps available which would make the premium that the homeowner will have to pay, much less than what he would have had to pay , otherwise.

Insurance policies are usually undertaken by homeowners to make sure that they don’t ever run into financial losses and have to bear the grunt of it. Homeowners should try to seek a home policy which carries a low premium with it. The homeowners can come to take the benefit of it, only when they lower the risk associated with it.
Thus the homeowners should try to lower the risk associated with their home, in order to lower the risk for their insurance policy. Homeowners should make sure that they meet the security requirements of the insurance companies. They should fit locks and deadlocks at all the doors and windows, organize neighborhood watch patrol, and make sure that they fix theft alarms by recognized fitters. If the homeowners take these few steps to secure their home, then they can get the premium reduced to their liking and benefits.
However before making the security arrangements and using the security equipments, the homeowners should enquire whether the insurance companies would comply with the steps that the homeowners have taken to secure their home.


Homeowners should also try to lookout for different home insurers for the home and as well as for the contents of the home. Because, sometimes although the insurers charge low for the building insurance, but they charge a high price for the contents of the home. Thus it would be beneficial for the homeowners to look and search for different insurance policies, because their aim should be to avail the cheapest home insurance.
 Furthermore, he homeowners should themselves lookout for cheap insurance policies instead of depending on the money lenders to provide them a scheme. They should themselves directly go and have a talk with the insurers or rather search in the web, which is very cost effective and as well as pretty fast. Moreover, homeowners can avail a discount up to 25% if they register online.

CEREALS – PERFECT START FOR ANY DAY

Because usually in the morning you are in a rush, maybe breakfast is the last on the list of your priorities. Or maybe it isn’t there at all. Breakfast is a very important meal that your body needs. In order to make breakfast give you power and strengths it has to be rich in sugar and low on fats. A proper diet must be firstly equilibrated. This is why you need a tasty and nutritional breakfast but mostly a healthy one. The breakfast aliment that is key for mornings and has all these qualities is cereal.

Why do cereals make the perfect breakfast?

Breakfast cereals are made from corn and rice most times and they are the optimal solution for every morning. Cereals have a rich content of vitamins like vitamin A, C, the whole complex of B vitamins, minerals like iron, magnesium, copper ,phosphor and zinc and anti-oxidants as well. Also cereals are an important source of calcium. They provide an adequate quantity of calcium for any age, and vitamin D that has a very important role in helping the calcium be absorbed by the organism. Cereals have a low quantity of saturated fats, but a high quantity or unsaturated fats, substances good for the organism.

The fibers in cereals have a huge role in everyone’s health.

Heath in a bowl

Because they are an aliment so rich in fibers, minerals and nutritive substances, cereals for breakfast are ideal mornings. You will start your day in a tasty way and they will provide you with the necessary energy and power to get through the day. Their benefic effect is immediate, but there is also one that is seen on a long term. Getting used to eating cereals for breakfast helps you watch over your weigh and helps you maintain your health.

Some dangerous diseases that cereals protect you from are: heart diseases, diabetes, obesity, intestinal affections, even cancer. So, if you make a habit out of eating cereals is as if you were making a long term investment for your health.

For those of you that want to start the day with a smile on their face, cereals are definitely the best option.

CELL PHONES

The amazing technology cell phones have these days is surprisingly growing and developing.

Cell phones started out as an idea for a mobile phone that can be used from a car, within a given range. This was happening back in 1947. Since then, their purpose was achieved and greatly exceeded.

The mane comes from the word cellular combined with the normally used word, phone. Cellular because their whole technology is based on cells of signal. Each cell has as a centre a transmitter that assures the mobility and the great range, almost worldwide, of mobile phones. These transmitters are placed in such a way so that they can form a network with absolutely no uncovered spaces. Not all portions have been covered, but the civilized and populated locations all have mobile phone operators and coverage.

Nowadays, mobile phones try to include as many technological areas as possible. There is no cell phone out there that is only a cell phone. From watching TV to playing games, taking pictures and making movies, from real music to color display, they have it all. Some phones even have Windows from mobile on them, just like PCs. Others can actually compete with game consoles like Nintendo because they are kind of a miniature game console themselves.

The extreme competition out there makes developers want to achieve more and more with their phones. Japan has always been a pioneer in the cell phone industry, they had TV and camera phones long before they appeared in America and Europe. Japanese manufactures and worldwide producers try every day to come up with new things for a cell phone, following a fixed goal: the perfect phone that can stand for all multimedia and communication devices out here, a phone that combines everything from communication to utility and work.

So, in the near future the cell phone might offer us a great surprise. How knows, they may try and develop some kind of holographic graphics. No matter what the next step is, the industry is certainly improving every minute, even as we speak and cell phones have a bright future ahead of them.

CATS ARE SMART!

If the right definition for the term “Intelligence” would be “the ability to acquire and remember information and the capability to use them while solving different problems”, then the cat is definitely the most intelligent animal from all those surrounding us.

Try to put an adult cat in a room in which she has never been before and see how she is inspecting every corner of that room. This detailed search gives her valuable information about the environment, information that can even save her life in some cases. Actually, the curiosity specific to cats never harmed them, on the contrary it gave her the reputation of having nine lives!

We al know that the ability cats have to inspect surroundings is legendary, but, at the same time it has been proven that this ability is superior to that of any other domestic animal.

            The intellectual capacity of the cat is demonstrated by her ability of using information she already has to pass safely through certain situations. Cats are capable of forming “learning methods”, a characteristic that was supposed to belong only to primates.

Cats learn through observation, imitation, trying and of course, mistakes, just like people. The stories with cats being able to open draws or cupboards are many, but there also are cats that can turn on the lights or use the toilet, and this is possible only by carefully observing the ones that know how to do these things, their owners.

            Considering the fact that the cat is the most intelligent domestic animal, it is very important that the owner knows very clearly the limits of her cognitive processes, because conferring the pet human motives can cause damage and behavioral problems.

            For example, a cat cannot reflect upon the past or think in perspective, so punishing her for something she has done only minutes earlier is useless, because the cat is not capable of connection the punishment with her actions. The same way, cants can’t claim revenge for a past punishment.

            In conclusion, don’t underestimate the intelligence of your cat! Try and know better your pet and act in such a manner that living together can be a benefic experience for both of you.

Card counting in blackjack

Where in other casino games such as roulette, craps there is no absolute effect of result of one play on any future deal, the blackjack always remain some risks regarding that. That means in blackjack it is possible that some events of any future play can be affected by its previous performance. Whenever if it is found that the remaining cards of the player have a high proportion than normal, in that case it is quite obvious that it goes to player’s benefits but in adverse the player will dealt a bad hand of cards. But in many cases it has been found that it is very tough for the player to remember exactly which cards have already been dealt in the previous play. Especially it becomes difficult when it comes from a multiple deck shoe. For that reason card counting always denotes some positive, negative or zero point value to the each and every remaining card in the deck.

Generally it is seen that the cards carrying low value such as 2, 3 are of positive value and the cards carrying higher value are at the negative value. But the different card counting method assigns different value of each card to be dealt. The card counter can make a tally of the point values in his mind although it is better to make a count on counter’s own estimation regarding dealt cards and undealt cards as well. That will definitely present an accurate value or proportion or percentage of the cards which have been left in the deck shoe. Keep in mind that a larger range of point values always make the counting process complicated. Counting process of the card valued the smaller value such as 1, -1, 0 is level one count that denote the most easiest task of performance while multilevel count is what assign the higher point values, increase much difficulty.

In the process of card counting in blackjack the main complication remain in the treatment of aces which is much valuable when it comes for having a blackjack. Generally aces are not advantageous for the card players but it is beneficial when it is in the field of blackjack and remains in the deck. It should have a positive count.

The main advantage that a player can get through this card counting formality is that the player can make more betting of larger portion when his deck of card allows him and in adverse the deck itself  give signal to make smaller amount in betting and accordingly can modify its situation by taking other various strategies. The player can also get information relating to value of each and every card to be dealt in or any type of composition that will help to make a better result.

The very main thing about this card counting is that the method of card counting will be performed very genuinely and accurately so that it cannot make any negative effect and with this the counting process must be taken to avoid the casino countermeasures. Otherwise many can make errors in this process and lose huge amount of money as well.

Car Loan

The common thought is that getting a loan for your new car purchase is pretty easy and straightforward. However, it is not so. There are a few ostensibly minor variations which can be actually cost you a lot of money. Therefore, it is worthwhile checking various loan offers that may distinguish the desirability of one loan over another.

Finding a car loan with the right benefits and interest rate can be the difference between you buying the car of your dreams or simply a car that you can afford. So, it is important that you give yourself solid answers to these questions:

• What is your current financial situation?
• How you expect your finances to changeover in the coming years?
• Which car you want?
• Do you think it is likely that you will want to refinance at some time during the life of the car loan?

Before choosing a car loan, there are several things that should be kept in mind:

• Credit History ---- there are several lenders that may lend you money even if you have bad credit, but they may penalize you to pay high interest rates.
• Compare Rates ---- rates vary and there is no sense spending even a dollar more than you have to so get several quotes before you buy your car.
• Transfer Balances ---- be sure to look for hidden fees and transfer balances that my not be apparent at first glance.
• Required Information ---- lenders will require your financial information such as whether you own or rent a home, how much your payment is how much money you own on credit cards, etc.
• Pre-Payment Penalties ---- if such a penalty is built into the loan contract, the lender will penalize you, by charging a fee, if you pay the loan off early, whether through refinancing or by any other means. So, if you think it is likely you will want to refinance at some time during the life of the car loan, this is clearly an important consideration.
• Simple Interest Loan ---- never agree to a car loan that is not a simple interest loan.

Also, don’t forget to ask the following questions while looking for the right car loan:

• What interest rate can you offer?
• What is the allowed time of repayment?
• What down payment will you make?

Remember to go through the car loan contract thoroughly and be sure you understand each and every word. If you don't, take your time and ask any expert. But don't let anyone rush you through the process. In this way, you could get the car loan that is right for you now and in future too.

Car loan with no credit

The present market activity has brought to you an opportunity to apply for a car loan also having no credit history. It is no more difficult to face the deal for you. You can have your dream car so easily and you don’t need to worry for not having any credit report as a proof of your good or in case any bad score. The most important step in this case is to open a checking account. Your regular bill payments can be counted as your credit score with respective checking account. That will work for representing your minimum credit history. If possible before making any deal you can open a credit card account but that is not very necessary.

As you have no credit history as such it is very important to settle your payment procedure with little higher amount of down payment. That will decrease the risk of loan and moreover you will be getting comparatively lower rates. Remember that for the reason of not having any credit history you will not get treated with good credit history rather to some extent it will seem that you have bad credit history. But don’t get confused about that; it will not hamper your purchase procedure rather if you desperately make high down payment you will definitely gain lower rate of interest to be paid for your obtained loan.

There are various lenders in the market. You try to make a shop around through the market and in this way you can have an idea how to deal with and how to meet low cost to buy your car. The lenders offer various types of finance packages and a have close look into that and ask for quote from all the lenders as much as possible. That will make your dealing easier. Your no credit history will affect any more if you are able to meet the best car finance. Fix your goal with no quick approach rather try to make an evaluation of all terms and conditions you are being offered and also the charges and interest rates you have to pay. You should also have a clear idea of your monthly payment. Make a suitable judgment over that and decide whether it is affordable for you or not. Don’t forget that it a golden chance for you to prepare a good credit scores which will help you in any future dealing very actively.

After selecting the suitable and affordable deal you have to perform some paper works. Fill them accordingly and get approved for getting the loan for buying the car. In this way you can find it no more big deal to have car finance even with no credit history. Again if you find it not suitable for your financial capacity go for refinancing which will take few years and use the rest of the period in making regular payments for your purchased car. So don’t get late and be forward; may be you can have your dream car within next few days and this time it will definitely make you to have a positive approach although having no credit history. Be active and don’t miss the chance to build your good credit history with this car loan facilty.

California Home Equity Line Of Credit

Home Equity Lines of Credit, or HELOCs, are open-ended, revolving loans that allow future advances up to the approved credit limit. Much like credit cards, they offer cash when it is needed with flexible payment options during the draw period. The draw period of a Home Equity Line of Credit is the amount of time the line of credit is open for, usually ten years, after which the balance must be paid.

Advances taken out during this draw period may have small monthly payments in which only minimal amounts are paid toward the principle with the rest of the payment going to accrued interest, or interest only payments may be made. At the end of the draw period, many plans have balloon payments in which the monthly payments will drastically increase to cover the rest of the balance due or the entire balance may be due immediately. There are plans that offer repayment of the Home Equity Line of Credit loan over a fixed period of time after the draw period has ended.

Interest of Home Equity Lines of Credit is usually variable and tied to the Prime Lending Rate, the rate in which most major banks charge their largest and most credit worthy customers. These variable rates usually have a cap to limit how high of an interest rate can be charged and some have limits as to how low the interest rate can get. Variable rates are subject to quarterly adjustment though some plans offer a fixed interest rate. The interest paid on Home Equity Lines of Credit is only paid when the funds are used and is usually tax deductible.

Like Home Equity Loans, Home Equity Lines of Credit have fees that may be charged for taking out the loan. Some plans call for one-time; up front fees while others have annual fees. Plans that offer low monthly payments during the draw period may require a balloon payment at the end of the loan period requiring the entire remaining balance to be paid. Other fees can also apply such as appraisal fee, credit check fee, and closing costs. The Federal Truth in Lending Act protects the borrower by requiring the lender to inform the borrower of all costs and terms when the application is given.

California residence taking out a Home Equity Line of Credit have the option of whether or not to allow outside and affiliate companies to have access to their private financial information. Through the California Financial Information Privacy Act, the lender can only disclose financial information about California residences with other companies if it is mandatory in securing the loan. Any other use of the information is at the borrowers’ discretion.

California Home Loan Mortgage Rates

The California Home Loan Mortgage Rates are low at this point of time. The California Home Loan Mortgage Rates are connected to the national interest rate and controlled by national housing market interest index. The national interest rate is controlled by secondary markets which are closely monitored by the Government since the whole economy depends on them. The economy at this time coupled with the housing market situation has brought about this change in California Home Loan Mortgage Rates.

Home Loan Mortgage Rates in California do not rally appeal to a prospective buyer especially if he is from a different state. These rates can inject more frustration than excitement into his life since the cost of living in California is high in comparison to other states. It really takes a lot of intellect and skill to play around with different options to reduce interest rates and payments in order to make California Home Loan Mortgage Rates affordable.

The California Home Loan Mortgage Rates fluctuate daily. In order to get the feel of it, it is advisable to wait and watch and see the trend before making a decision. These mortgage rates come in with a variety of different options. There are interest only rates, standard fixed rates, adjustable rates and variable rates. All these rates have to be taken into account while making a decision in order to get the best rates possible.

Interest only California home loan mortgage rates are the lowest since the buyer or borrower is paying only the interest component. This apparent low level of payment options makes it interesting and attractive to borrowers

A standard fixed mortgage rate gives the maximum security to the home buyer in freezing the interest rates, i.e. the interest rates will neither raise nor fall. They will have a consistent, preplanned repayment schedule throughout the loan term. The term comes in different sizes viz. 15, 20, 25, 30, or 40 years. A fixed California home loan mortgage rate follows the national housing interest index faithfully.

Mortgage rates that variable or adjustable carry a lower interest tag; normally 2%-3% lower than the fixed rates. They begin as fixed for a short period which is predetermined, usually 2, 3, 5, or 7 years, after which they start fluctuating in accordance with the current market California home loan mortgage rates. The borrower has certain options here; he can refinance for a new loan, sell the home, or start repayment of the new variable or adjustable rates. Buyers planning to invest in property for a short period often choose the variable or adjustable mortgage rate because of the lower payments they offer during the starting years of the loan.

Lower California home loan mortgage rates are always attractive to borrowers because they are mostly on the higher side due to higher cost of living. The best way to ensure a low California home loan mortgage rate is to possess a good to excellent credit score. These credit scores directly determine interest rates and the better the score, the lower the California home loan mortgage rate.