When You Tell People How To Make Money Online They Question It

August 11, 2016

For the longest time the Internet would scare people away when it came to earning money. They felt they could not handle the process. More and more people are trying to earn money online than ever before. Much of this can be attributed to the economy that has been struggling throughout the world. Even if you tell people how to make money online many times that still will not help. You think telling people how the process works is all you would need to do. The truth is many times it never works out for some people. Here is why for some making money online can be a real tough proposition.Getting a check from the Internet is something millions have never enjoyed, but just as many have. The lure of being able to sit in front of your computer and earn money is what keeps people coming back. One thing that many people fail to realize and that is earning money online is a real job and not some game. It is hard work and many times tougher than an offline job you may have.

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It is easy to lose focus when you come online for the very first time. People who have never tried to earn money online are star struck by all the opportunities that are available. With the world being your marketplace you have many different options. The key is not to lose your focus which many people do and that stops them from earning money.After a few weeks or months online people tend to go their own way. Advice that is given is not use and they prefer to show people they need no one. This is a big mistake because the learning curve online can be very lengthy. By not taking advice it will just take longer to earn living online.For people who think they need no money to earn online better get that out of their head. No matter what you do online many times you may need to put in some of your own money. Yes there are success stories that started with nothing, but those are rare.

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You can be successful online, but it is not going to happen overnight. You must pay your dues and work hard for everything you get. We all would like instant success, but for most it does not happen that way. It is a process that will take time so bear that in mind.Anyone can tell people how to make money online, but the success will depend on many different factors. The key to online success is never give up and take all the advice that is given. You may not use it all, but it never hurts to listen to successful people.

India Debt Collection Business

October 31, 2016

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

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

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

The Transformation Of Political Science And The Rise In Crime Rates

October 20, 2016

The current field of political sciences is dominated by a multitude of ideas that have never in its history featured so prominently in this discipline. The general belief that it has lost its focus once and for all is from time to time counteracted by different opinions. One of those is that the world has come full circle, that mankind has experimented out all possibilities in terms of ideological thinking and that the liberal democracy as we know it has come out of the process as the prize winner both politically and economically. Some define this as the end of history. It also goes by the name of ultra modernism. Globalisation fits in perfectly and all reflects the increasing complexity that we are finding our world to involve us in and which, in order to come to terms with the bigger magnitude of the whole, we are describing in essentially vague terms.The idea that history might have died a death was first launched in the 1980s by Francis Fukayama who wrote a now famous essay entitled ‘The End of History’, in The National Interest on the subject. The idea has persisted during the subsequent historic reality-altering events leading to our understanding of the world in terms of security and globalization, even though the liberal ground is under siege from left and right wing ideologies, parts of which are finding their way into the democratic liberal discourse.However inappropriate it essentially is to define the new ‘winning ideology’ — the policical science discourse is rife with arguments in favor of departing from old fashioned foundationalism and swapping this for a-systemic ideas gathered from all other disciplines– we are at this time almost as happy with any theory that offers a firm grip on reality as the third world would be with a cure for poverty. Much though the world is changing and much though this fast change is reflected in the sciences, the a-systemic ideas making up the political sciences might not necessarily reflect what’s going on in society one hundred percent adequately.Issues like crime and other ‘anti social behavior’ are significantly underexposed in areas of political scientific studies, say researchers. Our highly developed society and increased sophistication in all the disciplines that results in political sciences being a highly esteemed area for study, delivering no doubt high caliber students to society, does not necessarily guarantee a tangible decline in crime rates. We are missing out something big time. Is this the whiplash of a-systemic thinking we all intuitively fear?If you may believe studies undertaken by political scientists, in future, we won’t have a lot of room for corruption and evil wrongdoers in our society. Leaf through an average new book on political science and find hardly a line, let alone a chapter, dedicated to the evil side of human nature. What makes us all think that synchronising everything automatically leads to a better world and therefore a less violence prone society? In the same breath, you might ask, what is the new Left, the new Right, the Libertarian and the other political mainstream thinking on issues such as the Third World? For all our great knowledge and speedy technology-supported understanding of what is going on, we are still not much better at remedying the main problems the world is faced with.

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Criminology is part of the exercise of deconstructing the past, deconstructing other disciplines and constructing new ideas from a mixture of all of them which keeps social scientists busy these days. Yet it’s not enough apparently to translate into better thinking on the way safety and society can be organised.Whether a certain approach to crime really is to blame for its rise is debatable. What is certain is that modern societies have become safer and more comfortable in many areas but that crime has risen in equal proportion. “When it comes to crime, or more broadly stated ‘antisocial’ behaviour, society has actually become less safe. Crime constitutes an insecurity risk which is difficult to control. Many citizens and organizations will at some stage fall victim – usually completely unexpected -to behaviour which can harm them, physically or financially”, according to a recent research report by the Foresight Institute of the Netherlands, a semi official consultancy. It is one of the few studies in this field.The increasingly Old World definition of the nation state was primarily driven by the desire to resist this sort of danger, the researchers say. They continue that the way we deal with crime has evolved too. It is at this point that state organization is likely to really begin to crumble. A prime, if not the prime raison d’etre for governments is keeping a population relatively safe and free from crime. The more governments are perceived to be failing in providing the desired high level of societal safety, the less justification there is for governments and their imposing taxes on a country’s population.Changes in the way crime is perceived include treatment of the issue in more scientific disciplines than ever. Yet some, including Fukayama, argue that the social sciences lack a distinct central view on human nature, which stems back from the post Kant era. The only reason that I feel you can raise the human nature argument again is that over the last 30 years in the life sciences there has been a lot of empirical work that has made the concept respectable to scientists. Yet social scientists and certainly people in cultural studies have yet to get that message, says Fukayama. They are very resistant to the notion of human nature.The issue is grappled with mostly by people who try to integrate crime studies into a whole range of disciplines. “Crime has lost its exclusiveness, the approach to crime and crime prevention is no longer exclusively the responsibility of the police and the judicial authorities”, say the Foresight institution researchers. This coincided with a tangible change in society too. In the early 1980s, there was a sea change in the approach to crime and crime prevention. Inspired by understandable self-interest, individual citizens, organizations in the community and local authorities started to feel that they bore a responsibility for crime prevention. Nevertheless, the results are not particularly overwhelming and the researchers at Foresight say that for the situation by the year 2010, some areas of research are still vastly underrepresented.One real life example of high profile people sharing this concern is the situation on the Guernsey islands off the coast of the UK. You’d say this small island offers a perfect case to study the governability of a country with a limited population, to try and test the limits of a system to the full. Politicians might well be aware of this. At least, they appear to have a clear idea and are aware of the unique nature of their society and of the effects of the rules they invent. The measurability of crime renders the subject a good target for analysis, sophisticated ideas of governance and societal structures. The self consciousness leads to frequent interesting debates by politicians on this island. Recently, a senior politician attributed the perceived rise in crime and anti-social behavior the effect of “woolly liberal” thinking. He said the increased emphasis on human rights in particular is to blame for the rise in crime.The politician said that his government’s human rights act had led to offenders becoming “untouchable” by the authorities. Warning of the dangers of liberal thinking, he pointed out that there’s no common sense in Guernsey’s human rights laws which others believe ensure rights and responsibilities of citizens are balanced out rather evenly. He said the woolly thinking underlying the human rights ideas on the island led to alcoholism among the younger population for one.This is one of the issues where the argument that improved technology in the hands of police and law enforcers is going to do the trick, won’t do completely. Developments in modern technology and improved understanding of changes in social control are central to ideas about stamping out crime. The foresight researchers recommend that there should be a radical reorganisation of how financial resources are made available to this effect, if crime prevention is to bear any fruit.Research efforts need to be stepped up dramatically if modern society is to develop adequate knowledge in any form or shape. They believe that the demand for scientific knowledge by the institutions, municipalities, government departments and private sector agencies might seem to be a professionalization of the area, but that in fact it does often not mean anything, especially not in the long run.Fundamental scientific research into issues which are already playing a part at this time needs to be stepped up, the institute believes, in order to keep up with the criminal sector. They predict that by 2010, crime will have changed radically as a result of technological and economic developments and changes in social control and cohesion. There is a great need for fundamental research, for interdisciplinary knowledge and knowledge about long-term, ongoing issues such as criminal careers, say the researchers. In the next ten years there will also be a need for more theoretical research focusing on normative and empirical issues.

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The wildly diverging ideas about human beings in the social sciences is exacerbated with a dramatically lowered emphasis on any blatant negative aspects of society in postmodern political science due to the death of positivist thinking. You could argue that this is at the heart of the problem of surging crime despite increased wealth of societies.The political sciences appear most promising in their capacity for addressing the anomalies. It is the best discipline to do so, because it does not plan at neutrality. And, what’s more, the political scientist´s loyalties and engagements will not necessarily be predictable and stable over time. If it doesn’t yield immediate tangible results, it at least is a start. And it makes for less dry reading of the articles and books describing what’s perceived as the state of play in these sciences. You’d imagine that anyone coming up with a theory involving the axiom that history has ended, would be prone to fantasy.And that’s somewhat true; academic attention for total fantastic ideas as a means to understand or create is on the rise. It’s much under attack from critics who say this is a foolish activity, especially when keeping in mind the idea that when you walk the streets of your town you can be subjected to a criminal attack at any given moment. Sceptics will imply that much of the storytelling anyway misses out large parts of reality, especially the less attractive features. Which is, however, not to say that blind spots are not being reduced.But somehow, the rationale itself is changing for the criticism of the ways modern science works. The criticism for instance on the way politicians work, who seem keener to know about the cultural trends, popular culture, the media and power than in the labyrinthine workings of party and parliamentary democracy is that they are not sticking to their own field. Yet the new approaches favored in the political sciences leave more leeway for alternative ways that allow for a greater number of methods to assess reality than many predecessors ever dreamt of.In stead of a total abandonment of all serious work, modern political science presents us with a mixture of both regurgitated theories of old time philosophers and original, rather broad based ideas. And in new, often surprising, ways.Sceptical post modernists will contend that as there is no correct method for political research and researching the political, that it might be wise to adopt an anti-rules method, while the affirmatives may adopt something that can be termed ‘anything goes’. But perhaps several methodologies are best blended together to come to a robust approach to researching a problem. Much hinges too on one’s perspective on history.

Benefits of Holidays and Vacations

November 2, 2016

As a frontline medical practitioner for over 20 years, I have been actively encouraging and motivating my patients, relatives, friends and other people to take holidays and vacations on a regular basis. Except for those people who have serious medical conditions, there are no restrictions to travel and enjoy holidays. Even the elderly, disabled or pregnant women (within 28 weeks of pregnancy) can travel as much as anybody else. The benefits of holidays and vacations are numerous, both short-term and long-term, but most people fail to appreciate the benefits. As a result, only a small percentage of people worldwide travel and harvest the benefits of holidays and vacations. Research has shown that even workers who are offered paid vacations by their organizations do not take advantage of such offers to take some weeks off their work.In this article, I will briefly highlight some benefits of holidays and vacations.Longer and healthier lifeA recent survey conducted by the State University of New York has shown that people who take holidays regularly every year reduce their risk of early death by about 20 percent. The survey also revealed that those who did not take any holiday in 5 years faced the highest death rate risk, along with higher incidence of heart diseases. This can be explained by the fact that during holidays people are happier, relaxed, carefree, spending more time with family and loved ones, and away from the regular stressing environment. A happy relaxed life increases longevity.

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Improvement in mental healthOne study conducted by the Marshfield Clinic, Marshfield and published in Wisconsin Medical Journal showed that women who went on frequent vacations had lower susceptibility to depression, tiredness, or tensions and they were more satisfied with their marriages. Women who took rare vacations displayed higher stress levels in their homes, felt more exhausted and tired and slept lesser. It is without doubt that regular holidays will not just unwind people from the stress accumulated during the day to day hectic life in the short-term but also will improve the overall mental and psychological well-being of an individual in the long-term. Many researchers have shown that depression increases the chances of heart disease. Since holidays provide a break from the normal boring routine, they also help in relieving the symptoms of depression.Revamping of relationshipsThe always busy, work-obsessed and chronically duty-minded culture of people of modern life has indeed taken a heavy toll not only on our physical and mental health but also on our relationships. People do not have much time to spend with their partners, children or families. As a result, there is disharmony in the family, children are not looked after well and there is increased tension between partners, which has resulted in increased number of separations, divorce and other marital conflicts. Taking regular breaks from work and enjoying holidays and vacations not only revamps the strained and estranged relationships but also renews, revitalizes and strengthens family relationships and bonds.Improvement in self-confidenceWhen we travel, we encounter various types of situations and meet different kinds of people. Such encounters improve our self-confidence. It also helps improve our social skills and prepare us for unexpected or unknown.Creative inspiration through holidayingWhen we do the same thing again and again, it becomes monotonous and stereotyped. This is what has happened to us in today’s world. We have become victims of monotony that has gradually crept into our system and destroyed our creative abilities, new thinking processes, and inspirational opportunities. When we travel, we come across new situations and different environments. Such situations can induce and help develop the creativity within us.Increase in productivity Many studies have shown that holidays not only motivate people to work better but the relief from the monotony also rejuvenates people, resulting in higher productivity.Seeking adventureHolidaying is a time to pump adrenalin for many adventure lovers. This is a chance to make their dream come true and try many daring sports and adventures, such as, bungee jumping, water rafting, surfing, mountaineering and many others. Such adventures give people a sense of achievement and happiness.

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Mental and psychological escapeMany people these days view holidaying as a form of mental or psychological escape. The change in atmosphere, climate, scenery, quiet surroundings, slow pace of life, and clean air is regarded by many travelers as pathway to happiness and spirituality.Improve physical fitness, and lose weight tooObesity has become a global epidemic. Holidays and vacations can at least induce people to do some form of exercise. They have more time and any form of physical activity (and away from TV and video games!) can help lose weight. If they can continue the same sort of exercises once they are back home, it can at least help people change their habit and lose some weight at the same time. Losing weight not only improves the physical fitness and appearance of a person but also reduces the chances of getting depression, some cancers, heart diseases and other conditions.In conclusion, holidays and vacations not only bring joy, excitements, fun and break in the usual monotony of life, but they also have far reaching effects in the long-term including improvement in physical and mental wellbeing, longer and happier life, revamping relationships, improving self confidence and productivity, and instilling creative inspiration within us.

Use of Drones in Aerospace/Defense

October 9, 2016

The development of unmanned aerial systems, or drones was initially for military purposes. As these aerial systems did not require an onboard pilot, they were seen as a useful weapon on the battlefield. Not only does a drone decrease the mortality rate of the soldiers, it also provides the military a chance to spy on the enemy in a discrete manner.Drones have become an important component of national defense for the following reasons.· A drone is an unmanned vehicle, that is, it does not require any one to be on it to be controlled. This is possible because it can be controlled using a remote control. Though it is mandatory that it is still controlled by a trained pilot, it does not require the pilot to go with it.

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· The US military has been using drones to search for terrorists in Afghanistan and have proved how useful they are for conducting covert military operations.· Drones can be used for various purposes such as searching for hidden terrorists, gunning the terrorists down in their own areas and searching for the hidden landmines using hyperspectral imaging sensors.· Keeping an eye on the air space of the country.· Keeping a check on the borders of the country without threatening the lives of the most precious soldiers.The use of the US Army’s Global Hawk in the combat field of Afghanistan has already made news. This has triggered a race between countries to own and develop this technology as soon as possible. Countries like UK and China and India are already way ahead in the research and development of drones for their respective defense forces.The use of drones even by the army is not only for combat and espionage purposes. This technology is largely being developed for the times when a crisis hits the nation. The military is trying to use drones in areas that have suffered fire or earthquake where the military and air force is called in to rescue people. This is the humanitarian aspect of the use of drones. Drones are sent in difficult to reach places to search for survivors. When the images from a drone shows the presence of any survivor, special teams are sent in to carry out rescue operation. This has saved many lives and is sure to save a number of lives in future too.

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The countries that are trying to be the controlling factors in the world need to have this technology soon. UK has started by bringing together all of its top engineers to develop homemade UAVs and there were news about the flight of their first UAV named Taranis.The use of UAVs cannot replace the fighter jets or the satellites, however, they can be used for surveillance missions that can’t be performed by fighter jets as they are too big and therefore can be spotted quite easily by radar. Drones are definitely one of the “must haves” for any good army in the future.

Effective Business Management Unites Education and Training with Corporate Coaching

August 30, 2016

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

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

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

How To Start A Photography Business – Knowing When You’re Really Ready And Knowing Other Differences

October 6, 2016

Here’s a question: How do you know when you’re ready to start a photography business? Answer: When you ‘know’ that you ‘know’ (the doublespeak is for emphasis) the difference between your artistic photography skills and your understanding of business. Knowing the difference makes the difference between success and failure when you start any type of business, for that matter.Tip #1Think about it, the art of taking pictures is getting easier and easier – especially with the advancement of technology. Digital technology has made photography so easy that it appears that everybody and their brothers and their sisters are photographers! Such ease makes photography a very popular attraction and very compelling to start a photo biz.But, what many budding photographers fail to realize and take seriously is that: Business is Business. Whether selling teddy bears, cell phones or photography, the business principles are the same. And they are basic and simple (not easy – simple). Successful photographers aren’t necessarily the most skilled. They understand and practice the basic and simple principles of running a photography business. They also don’t confuse the quality of their photography with the need to plan, market and operate their photography business.Don’t be confused! You must consistently produce top-notch quality products and photographic services. Constantly improving your skills is critical. So is the learning and consistent practice of business principles. If you don’t consistently practice the necessary business principles, budding photographers that do know the difference and practice the principles will get the customers and the business that should be yours. If you fail to practice the principles you will fail at your photography business attempts. Period. You will be another charter member of the ‘starving artist’ club! There’s a reason why they’re ‘starving!’

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Once you do start a picture-taking business, every day that you’re in business there’s opportunity to grow and prosper, and the chance to stagnate and fail. Your being clear on the difference between photography practices and business practices determine the success of your photography business more than your photographic skills and talents. Be sure to spend as much time developing your photography skills as you do your business (marketing, self-promotion activities, for example) skills and you will find success.Compliment vs Reality – Tip #2Most budding photographers have this experience: a good friend, family member or neighbor sees a photograph and ‘raves’ how good it looks and how ‘valuable’ it ‘should’ be! Somewhere in their raving they proclaim, “you should sell that, you’ll probably make a lot of money!” Red flag warning! What is given as a compliment of your photograph is instantly translated to your having a “diamond” that you can sell and that will change your ‘status’ in life. Here’s a test: the next time you receive such a ‘compliment,’ do this: thank them and then ask them how much are they willing to pay you for the photo? I promise you that the same ‘expert’ that just raved about your valuable artwork will pass on the ‘opportunity’ to grab up your ‘valuable’ artistic photo. In the photography business value is determined by other criteria than a compliment or two. Knowing the difference contributes to your success in business.Develop your knowledge and skill and your confidence as a photographer will dramatically increase. Likewise with business: develop and practice basic business principles and your confidence as a successful professional photographer will dramatically increase. I promise.Research Builds Confidence – Tip #3Do your research. Go online and read the available research on the business of photography. Read before you buy. Online research is just a click away. Take your time. Take advantage of free and easily available information online. If you choose to buy something offered, determine what goals you want to accomplish and ask yourself will what you’re buying help you to really meet your goals. Avoid the resources that promise and guarantee you that you can make $200 – $300 a day overnight – for obvious reasons. Also, there are no “secrets that the pros don’t want you to know!” There is information that you do not know now. But, isn’t information that is unknowable or impossible to find out – they’re just unknown to you at this time. Do your research. Besides, if they’re for sale, how “secret” can they be? Do your researchIn the business of photography, it is more profitable to specialize. Specialization (also referred to as your “photography niche”) is how your customers will find you. Another development of technology is how customers – those who can afford and are willing to spend money for photography – find the photography that they buy. They look for something specific (in photographer speak that means “photography niche”). Go online and do a search on “photography niche” and take advantage of the information available. Remember, read before you buy; there are no “secrets that the pros don’t want you to know;” and great photography does not sell itself. In the world of business, nothing does.For business purposes, go online and do a search on different business topics that you want more information about. For example, do a search for “photography marketing” or “marketing for photographers” or “amateur photography tips” or “how to sell photos online” or “how to start a photography business” etc. etc. Read before you buy.Know And Start Where You Are And Be ‘Sincere’ – Tip #4

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Start where you are with the equipment that you have. If you don’t have a photography studio don’t take on photography jobs that require a studio. Don’t be all things to all people – remember, specialize (research “photography niche” – you’ll be head and shoulders above the majority of your competition). If you feel that you have to purchase equipment to take on a job – that’s a red flag that you’re not ready, yet. In successful photography, the profit is in the “photography niche” and your understanding of that simple difference.Doing your research will prepare you for one of the biggest challenges most photographers have – pricing. The challenge of knowing exactly what to charge stops most of us in our tracks. It shouldn’t! Do your research. Search “photography pricing,” for example. The information is available and most of it is free. Remember, read before you buy.In my opinion, there really is no one criteria needed to start a profitable photo business. However, my experience has convinced me that self-confidence is the most significant asset a photographer in business can possess. You develop that self-confidence by knowing what you know and knowing what you don’t know – and being crystal clear on the difference. Confidence is gained by knowing the necessary criteria needed and knowing that you possess the knowledge and skills to consistently accomplish tasks in a satisfactory manner.Research, develop and practice both your photography knowledge and skills as well as your photography business knowledge and skills.Finally, when vaudevillian, George Burns, was asked what was the secret to his successful career, he responded – “sincerity, be sincere – even if you have to fake it!”

Mental Health Stigma

October 3, 2016

Despite the increase in publicity surrounding mental health and mental health issues, there is still a lack of understanding about mental health in general. For example, a research survey published by the government “Attitudes to Mental Illness 2007″ reported that 63% of those surveyed described someone who is mentally ill as suffering from schizophrenia, and more than half believed that people with mental illness should be kept in a psychiatric ward or hospital. Overall the results showed that positive attitudes to people with mental health had actually decreased since 1994 which is worrying indeed.Amazingly, many people still don’t understand that mental health problems affect most of us in one way or another, whether we are suffering from a mental illness ourselves or not. If we bear in mind that a quarter of the population are suffering from some kind of mental health problem at any one time, then the chances are, even if we personally don’t have a mental illness, we will know someone close to us who does, so it is our responsibility to understand what mental illness is and what can be done about it.Many people with mental health problems will often feel isolated and rejected and too afraid to share their problems with others purely because of the way they might be perceived. This lack of understanding means they are less likely to get the kind of help and support they need and are in danger of slipping even further into depression and mental illness. People need to understand that mental illness need not be a barrier to a better quality of life and that help is available and that most people with a mental health problem can regain full control over their lives if they get the support they need.

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A new guide to mental healthThe Royal College of Psychiatrists has produced a new guide to mental health which was published in November 2007 and is aimed at informing the general public about what mental illness is and is a big step towards tackling the stigma that is still attached to mental illness.The guide is written in an easy to understand format and over 60 mental health experts have contributed to it. The Mind: A User’s Guide contains chapters that cover a whole range of mental illnesses and includes a section on how the brain works, how mental illness is diagnosed, and how to cope with it.A Scottish surveyIn Scotland, a national survey of public attitudes to mental health Well? What Do You Think? (2006) was published in September 2007 and highlighted that although people living in socially deprived areas have a higher incidence of mental health, the level of stigmatisation is still no lower than in other areas. This suggests that being confronted with mental illness is not enough to change the attitudes towards it.There are also gender differences too. According to the Scottish survey, men with a mental health problem were more likely to be treated with suspicion than women and were also more inclined to avoid social contact with someone else with a mental health problem. Even out of those who displayed a positive attitude towards people with mental health problems, many said they would be reluctant to tell anyone if they had a mental health problem themselves which just goes to show that there is still fear surrounding other peoples’ perceptions of mental health.A CIPD SurveyA recent study conducted by the Chartered Institute of Personnel and Development and KPMG consultants surveyed over 600 employers and reported that doctors are not doing enough to help people with mental health problems return to work and that this is costing the business world billions of pounds. For example, only 3% of the participants rated doctor support as “very good”.It may be that doctors really don’t know what else to offer someone suffering from depression and anxiety other than drugs and time off work. Even more worrying was the fact that 52% of employers maintained that they never hired anyone with a history of mental illness which serves to perpetuate the stigma. On a more positive note, of those that did hire someone with a mental health problem, more than half said the experience had been “positive”.

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Changing attitudesA lot is being done by governments and organisations to try to change public attitudes towards mental health but is it enough? Until we all recognise that mental illness doesn’t discriminate, it can affect any one of us at any time regardless of our age, gender or social background, the stigma attached to mental illness is likely to persist.Mental illness doesn’t discriminate, it can affect any one of us at any time regardless of our age, gender or social background, and yet the stigma attached to mental illness still persists. Although a number of government initiatives, awareness campaigns and organisations have been set up specifically to tackle mental health stigma and change our attitudes towards mental health in general, there is still a long way to go.It is therefore up to each and every one of us as individuals to make sure we are well informed and understand the issues involved because only when the public are fully aware of the facts will mental health stigma become a thing of the past.

Beauty and Botox – Face Forward Tips for 2006!

August 5, 2016

Did you know that BOTOX injections are one of the most popular procedures in cosmetic surgery today? In fact, Botox injections far out number breast augmentation and rhinoplasty (cosmetic surgery on the nose), as the most preferred aesthetic surgical procedure?As you may agree, in western culture attractiveness is closely wedded to youthfulness. The appearance of wrinkles on the face is a source of anxiety for millions of women and men.The search for a miracle drug to help us appear younger presently fuels a multi-billion dollar beauty and cosmetic industry.The related industries of weight loss and health are just as robust. There is stiff competition between beauty companies constantly trying to sell youth and beauty in a jar.If you have the money you can opt for the more invasive (and ostensibly more effective) procedures to help you look younger. This where BOTOX followed by its more permanent cousin, plastic surgery may fit the bill.A nutritious and balanced diet, accompanied by a rigorous exercise regimen can make your body look years younger. Unfortunately there’s no such workout to tighten your face.Your face starts reflecting the passage of time the soonest, and most visibly. Studies indicate wrinkles appear on our skin as early as the age of 27.

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If it is our face, which betrays our age the first, no wonder it the focus of so much anxiety. This is why we want age-defying intervention.BOTOX, as of now, appears to be the answer to some people’s prayers. Younger and firmer looks seem to be just a few small injections away.BOTOX is actually short for Botulinum Toxin Type A. It is a highly toxic substance and one of its milder side effects is food poisoning.It is actually a protein complex, which is produced by the bacteria Clostridium botulinum. What is used in cosmetic surgery is an injectible form of this toxin.This form of the toxin is purportedly sterilized and purified.Some consider BOTOX a poison. They feel this way because it is injected in small doses under the skin. It is reported to work by deadening the underlying muscle, preventing any further movement and thus smoothening out the skin.BOTOX is said to interfere between muscle and nerve interaction. Some feel small doses of this chemical effectively prevent the release of acetylcholine by the nerve cells.This neuro-chemical transfers signals to muscles, determining their contraction and relaxation. When injected into selected muscles, BOTOX stops them from contracting.Therefore, any present frown lines are ironed away. In fact, within a week they become almost invisible.In the April of the year 2002, the FDA approved the use of BOTOX injections as a treatment for the reduction of frown lines. Since then, it has come to be regarded as the fastest growing anti-aging cure in the country.Keep in mind that the FDA cautions against using Botox more than once in 3 months. Also it recommends that the lowest possible effective dose to be used in a session.There are other, more permanent, options available – if you are inclined towards cosmetic surgery. Procedures like an eyelid tuck (blepharoplasty) and a bow lift (also called a forehead lift) last about 30 to 90 minutes.They are outpatient operations, so you can leave for home the same day. Another option is the face lift (or rhytidectomy) – a slightly longer operation which can go on for 2 to 4 hours.Patients are advised to stay overnight at the clinic. Although none of these procedures can reduce wrinkles, they very distinctly tighten up a sagging face by literally cutting away any extra bits of facial skin. The recovery period can last from 7 days to a month depending upon the extent of the operation.

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However, at the end of it you may be rewarded with a much younger and firmer facial appearance.Given the risks associated with Botox facial treatments like Rejuvinol(TM) deserve a serious look. We have heard that Rejuvinol(TM) available from Amazon and www.BODeStore.com is a product that uses helps give a younger appearance by appearing to smoothing out wrinkles. It’s makers say that it contains the universally recognized Argireline® from Lipotec S.A. The active ingredient in Argireline® is acetyl hexapeptide 3 (AH3), a deep penetrating, powerful amino peptide that helps to relax the intensity and frequency of facial muscle contractions. It just may be a less expensive and invasive way to put your best face forward.Kamau Austin is a health and fitness enthusiast and advocate.He writes on a regular basis on timeless health and fitness tips at the Fit After Forty Blog. See more useful health and fitness news and tips at… http://www.healthandfitnessvitality.com/blogs/fitnessblog.htm

Take Charge at Telecommunications Schools

October 8, 2016

Instead of taking off work to wait for the phantom cable guy, or pleading with your Internet Service Provider to change your fiber-optic cables back to copper so you can get DSL service, why not take your telecommunication experience into your own hands? Telecommunications schools can show you how.Your FieldIn a world where families and businesses are spread across the globe, telecommunication (communication at a distance) is no longer a luxury — it’s a necessity. Where would you be without your cell phone? Or your BlackBerry? Or your TiVo? All of these are facets of a telecommunication career, which encompasses voice, video, and Internet communication services.In your telecommunication career, you’ll be entering an ever-evolving industry that is continually introducing new technologies and services. Fiber-optic networks bring lightning-speed communications to residential customers. Wireless providers are increasing the capacity of their radio networks and introducing improved portable devices that transmit voice, data, e-mail, and video. And, some wireless phones now use VoIP (Voice over Internet Protocol) technology to make phone calls through local wireless Internet networks.

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Your TrainingThat’s why, if you want to succeed in this competitive industry, you’ll need postsecondary training from telecommunications schools. There, you can acquire the knowledge and skills you need in computer programming and software design; voice telephone technology (telephony); laser and fiber-optic technology; wireless technology; and data compression.The good news for graduates of telecommunications schools is that steady employment is available in almost every community. According to the U.S. Bureau of Labor Statistics (BLS), the telecommunication industry provided one million wage and salary jobs in 2004.Your CareerWhat exactly will you be doing in your telecommunication career? Fifty-five percent of all telecommunication workers are employed in administrative support occupations or installation, maintenance, and repair occupations.Here’s a telecommunication career overview: Telecommunication craftworkers install, repair, and maintain telephone equipment, cables and access lines, and telecommunications systems. Line installers and repairers connect central offices to customers’ buildings. Telecommunication equipment installers and repairers install, repair, and maintain complex communications equipment and cables. Cable installers travel to customers’ locations to set up pay television service so customers can receive programming. Telephone operators make telephone connections, assist customers with specialized services, provide telephone numbers, and may provide emergency assistance. And customer service representatives help customers understand all the services offered by telecommunication providers.

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Graduates of telecommunications schools can expect to be well-compensated for their efforts. According to the BLS, average weekly earnings of nonsupervisory workers in the telecommunication industry were $853 in 2004, significantly higher than average earnings of $529 in private industry.Quit waiting for the elusive cable guy, and boost your career competence at telecommunications schools today.