Helpful Online Shopping Tips for Buying Cheap Designer Clothes and Shoes for Women

October 13, 2016

The ability to find cheap designer clothes for women is essential to those who want to look fashionable when they get dressed, not just because prices on authentic, name brand clothing are always expensive, but that buying affordable clothing allows shoppers to easily build a large wardrobe. Smart shoppers can get a lot of nice, authentic, name brand outfits, and the footwear to match simply by knowing where to look. Looking good does not have to be considered a luxury.Know What It Really Means to Buy Discount Designer ClothesIt is not always easy to buy cheap designer clothes online because many shops sell cheap knockoffs instead of designer originals. Sales of low quality clothing should not be considered real discounts at all. This is because those who buy these cheaper items do not get the same benefit or enjoyment as they would from the real thing. Customers need to beware of online shops offering trendy women’s clothes for less. The real savings is when the prices of real brand name items are brought into a price range that is more affordable. That is what designer clothing liquidators are all about. Customers get to find cheap designer clothes for sale that are truly authentic and on the leading edge of fashion trends.

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How to Find Cheap Designer Clothes Online That are AuthenticMany consumers do not have time to get out to a store and shop around for discount brand name clothing, which would make it easier for them to know the quality of the items before purchasing. Moreover, some local outlet stores lack the selection needed for customers to find those trendy, affordable dresses, jeans, shoes, or that perfect top they had in mind. It can be hard to catch sales at department stores, but having a trusted online resource for trendy women’s clothes can make staying in fashion an easy task. Shoppers are able to get clothing from all the best brands, including Coach, Michael Kors, BCBG, Armani, and several others at a steep discount. Best of all, placing an order is easy because of the ability to use PayPal.Why Shop at Those Expensive Trendy Women’s Clothes Shops?It is not always easy to find cheap designer clothes for juniors, or affordable maternity wear that is high quality. Many stores that specialize in selling trendy women’s clothing and shoes do not care about how burdensome their prices are, but there are some that do. Shoppers can learn how to always find low prices on new and like-new authentic brand name women’s clothes and shoes. All they need to do is find the right website. The best sites for buying designer clothing at a low price have a selection is updated on a regular basis, so there is always some great new clothing item to discover. Plus, these reliable stores offer lightning fast shipping and excellent customer service.

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It is possible for those looking for a place where they can get discount shoes online to find a place where there is an enjoyable selection of quality merchandise available. Thanks to online stores that offer cheap designer shoes and clothes, shoppers can easily build a very nice wardrobe. Many of those who love to shop for discount designer clothes find such sites addictive, because getting cheap trendy clothes from real brand names is a thrill.

Flavor Pairings: Why Grow Herbs For Cooking, Cocktails, And Culinary Crafts

September 10, 2016

I remember my first herb class on growing herbs for culinary and creative crafts. I left that annual herb sale with young fragrant plants, with just enough knowledge to be dangerous wielding a trowel, and a perpetual enthusiasm that all contributed to help me form my first edible garden oasis.After a trip to Home Depot, I was armed with shiny silver tools, bags of potting soil to house my foliage friends, fertilizer to make them grow, and the inner drive to begin digging my way to becoming a green thumb farmer girl!Now, 20 years later, it’s hard to imagine my kitchen without a bunch of basil on the counter, herbs drying on racks, and jars of dried oregano and chocolate mint within easy reach at each meal. From summer’s juicy ripe berries, peaches, and tomatoes to fall’s vibrant harvest of squash, pumpkin, and sweet potatoes, onto holiday turkey and ham feasts, and into hearty winter stews and casseroles, herbs enhance every season’s fare!

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I’m still thrilled to witness the miracle of propagation each time with every plant. I shelter them in stormy weather, talk to them while watering, trim their leaves, and weed their beds. In return, I’m rewarded with savory, spicy, and fruity aromas, a relaxing hobby, a healthy method of adding flavor to food and cocktails that lasts all year long, and great natural photography backgrounds!Do you have herbs and are looking for ideas on how to use them? Do you see those little plastic packets of greenery hanging in the grocery store but have no clue what to do with them? Maybe you want to expand your culinary horizons and explore your green thumb capabilities? Many people are lured into using fresh herbs through the culinary route.This is the first in a series of articles on growing herbs for cooking, cocktails, and culinary crafts. Plus tips on pairing all kinds of flavors, from custom infused oils and balsamic vinegars to herbs, spirits, sweet and savory dishes. When you marry the right foods together into a succulent harmonious balance, the results are amazing and herbs contribute such character to your cuisine.This isn’t about becoming a food snob or being tethered to rules, except for this one; seasoning is vital in cooking and herbs go hand in hand with that philosophy. I’ll offer general guidelines along with novel combinations I’ve discovered but there’s no one taste fits all. It’s thrilling to develop original recipes and tweak the traditional dishes we savor. Play with new ingredients. It’s great fun to use homegrown edibles but if you don’t want to grow plants yourself, buy a few freshly packaged herbs from the store and practice cooking with them.Be daring with oil and vinegar selections. There’s a wonderful store called Savor The Olive in Virginia Beach that is a tasting room full of unique fused and infused oils and light and dark balsamic vinegars. If you have one of those in your area as well as wine tastings, take advantage of going for a visit. Experiment, so that your sense of taste gets stronger and more acute and it will tell you how much to use.

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Herbs add to the enjoyment of cooking and help you personalize what you’ve prepared. Being a chef is an art. Each person has a unique touch and flavor palate. The kitchen is your studio, the plate your blank canvas. Let instinct and imagination guide you. Herbs are one of the tools in your aromatic arsenal that enable you to present a mouthwatering masterpiece.Hope you’ll join me on a tasting tour of my fertile little deck farm as we pinch and smell the herbs, swirl and taste the wine, envision what main course will be the star of the plate, and tempt your taste buds with food that’s appealing to the eye and tongue.

A to Z Guide to Wedding Planning!

September 29, 2016

A is for Atmosphere
Setting the scene for the perfect wedding can be a daunting task and with wedding trends changing rapidly over time, it can mean decision making is hard. Often the best place to start is by thinking about the formality of the event and how you would like your guests to feel on your wedding day! Whether you choose a relaxed garden wedding with subtle coloring and natural tones or a themed wedding at a wild venue with bold wedding colors and outlandish wedding decorations, whichever way you go it is the wedding atmosphere that you create that will generate the most memories!

B is for Bachelorette Party & Bridal Shower
Second to choosing your bridesmaids, this is often the next stage in the planning of your pre-wedding activities! This is the event, other than the wedding itself, that the girls look forward to most! Renowned as the tamer of the two, a bridal shower is a gift-giving party held for a bride-to-be in anticipation of her wedding, it is a time for the females in your life to get to know each other and to share advice before your big day.The Bachelorette Party also known as a hens night, hens party or hens do on the other hand is deemed “an evening of debauchery,” a girls night out in honor of the bride-to-be in the style that is common to that social circle. This is when the bridesmaids take control, organising silly outfits for the bride, dares and games along with gifts for the girls including name tags, fun drinking straws along with personalised bachelorette koozies for a unique gift idea!

C is for Ceremony
Ultimately your ceremony, the moment where two people are united in marriage, is the reason you are planning this special day. The way that you choose to perform your ceremony and the wedding reception that follows are often linked in formality and theme and the options are endless.For the ceremony you will have to give some thought to the location, a church or temple, beach, garden or formal venue often this is driven by the choice for a civil or religious ceremony. Most ceremonies have a similar structure, with your vows, readings and music making a personal service.

D is for Destination Wedding
More and more couples are escaping the traditional big celebration wedding in favor of a smaller more intimate ceremony in an exotic location. Whether your destination wedding is overseas or interstate it can still take a lot of organization, not only for the couple and the wedding day itself but in making it fabulous for the guests that have gone that extra mile to share in your special day!

E is for Engagement
Congratulations on your Engagement, let the fun begin. Start with your engagement announcements, maybe a notice in the newspaper to inform the community or an item that you can send in the mail to let your friends and family know the good news! If you are moving fast you could even add your wedding save the date to your engagement announcement to help with your planning budget.Some couples will choose to have an engagement party, an opportunity to celebrate with family and friends and for future guests to get to know each other before the big day. Engagement party favors are often handed out to the guests as a thank you for attending, such as candy treats or custom beer koozies to take home as a memento.

F is for Favors
Wedding favors also known as bonbonniere are small gifts given as a gesture of thanks to guests from the bride and groom. Wedding favor ideas have become a major part of wedding planning, with modern gift trends including: CDs with the favorite music of the bride and groom, candy jars, picture frames and wedding koozies. Gifts may also be personalized with the couple’s names, initials or wedding date and even an individual guest name to create a gift and place card.

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If you choose wedding Koozies as your wedding favors then it is a great idea to start browsing the designs a few weeks before you need them to be delivered. There is an extensive range of designs available to help you create the perfect match to your wedding color scheme, theme and more. Please read a previous article to help with your design; Personalized Wedding Favors on a Budget – Inspiration for Wedding Koozies to Wow Your Guests!

G is for Gift
A wedding present is a gift taken by a guest to congratulate the couple on their marriage. There is usually some etiquette when it comes to gift giving, some couples may choose to take the hard work out of this for their guests and have a gift registry with a wish list to choose from. Others may have a wishing well, this is where guests can anonymously drop cards and monetary gifts into a box known as a wishing well to help the couple on their way to starting a new life together.

H is for Honeymoon
A honeymoon is the traditional holiday taken by newlyweds to celebrate their marriage in seclusion. Jetting off to somewhere exotic and romantic is not uncommon although the holiday should be something of choice that suits the couple’s outlook and interests. For couples on a budget a destination wedding can be a great way to spread the cost making the addition of a few days for a honeymoon easy.

I is for Invitations
Wedding invitations are a great way to set the scene for your guests. As a follow on from your wedding announcement or save the dates, your wedding invitations can be fun or formal but should be informative and hold an RSVP date so that you can keep to a deadline in your wedding planning.In modern times the way an invitation arrives is becoming more and more imaginative, you might choose a link to an online wedding website where guests can respond electronically or include a link to a video message. Items sent in the mail can also be creative and unique such as origami style folded gifts, printing a message on a balloon that can only be read once blown up or sending custom wedding koozies for your guests to enjoy at home and on bring on the day!

J is for Jewellery
Wedding jewellery can be simple and sophisticated or bold and colorful. This is a very personal choice that that bride will make when choosing her wedding dress and bridal party attire.Sometimes traditional jewellery will be passed down the generations within a family, bridal accessories can include earrings, bracelets, tiaras and hair combs to name a few.

K is for Kiss
“You may now kiss the bride”… the words that the groom has been waiting for all day! Many couples will have a discussion prior to the wedding about the kiss, some even finding this the moment that makes them most nervous! Questions like, how long should it be? Should it be a full-on smooch? Or just a peck? What is the etiquette in wedding kisses? The answer to which is that there is not really an etiquette, just show each other how happy you are to be making this promise to each other and show this off to your guests, just bear in mind that you might be in front of your parents, grandparents and young children.

L is for Love
LOVE. An intense feeling of deep affection and the reason you have been ploughing all of your time into planning the ultimate wedding celebration. Say no more.

M is for is for Music
One big question for your wedding reception, DJ or Band? Often the answer to which is dependent on budget, formality of your event and location. There is also the decision of which music you should be walking down the aisle to, creating an amazing playlist that will get your guests on their feet and of course the first dance! Here are our choices for a first dance song;Top 5 First Dance Wedding Songs

Make You Feel My Love – Adele

You Are The Best Thing – Ray LaMontagne

Kiss Me – Ed Sheeran

The Way You Look Tonight – Michael Bublé

Better Together – Jack Johnson

N is for New
If you are following tradition in the sense of the rhyme “something old, something new, something borrowed and something blue” then this is your something NEW! You can include your wedding dress as your something new if it is made to order, or perhaps one of your bridal accessories or a fancy new pair of shoes. Let’s face it when it comes to your wedding there will be a whole heap of items that you can consider using to tick this box!

O is for Outdoor Wedding Venue
Weddings are often planned for the perfect weather, the most popular seasons for a wedding are spring and summer so that you can have great light for your wedding photographs and that you have the best chance of enjoying sunny spells outdoors with your guests over welcome drinks.Your outdoor wedding venue might be in a national park, flower garden, winery or a beautiful beach, whichever you choose for your outdoor wedding be sure to have a wet weather plan on hand, just in case!

P is for Photographer
Wedding photography for a lot of couples is a big box to tick. It is lovely to be able to capture your big day and all of that hard work into images that you can cherish for years to come. Choosing a photographer can be a daunting task, be sure to ask around for recommendations, view portfolios of previous work and get to know your photographer so that they learn to capture what is important to you. Looking at your photographs together as a family is a beautiful way to connect after the event, each image will tell its own story and each story will be a memory captured for life!

Q is for Quiz
The Mr & Mrs Quiz, the ultimate quiz that any bachelorette should have to complete on their ‘last night of freedom’..! It is a fun way for the maid of honor to connect with and get to know the groom before the event. She will prepare a series of questions that the groom will answer, things can of course get a little cheeky depending on the formality of the bridal shower or bachelorette party, the bride will then need to see how many answers she can match to the groom’s responses, often followed by a forfeit for every wrong answer.

R is for Reception
Wedding reception, this is the fun part, after you have nervously said your vows in front of your family and friends you can relax with food, drinks and dancing at your wedding reception. Wedding reception ideas include a formal sit-down meal, cocktail reception or a casual beach BBQ. You can usually leave this up to your wedding planner or venue to organise, that way you can enjoy the celebration and spending time with your guests.

S is for Save the Dates & Stationery
Your wedding announcement and first item of wedding stationery is your Save the Date! An ideal gift used for long engagements this is designed to be sent out to your guests well in advance of the formal invitation, once you have your date set you can mail these out so that your guests can save the date in their diary. Some popular methods of sending a save the date include; postcards, calendars, tickets, magnets, custom beer koozies and more.

T is for Table Plan
T is also for troublesome, often considered one of the most controversial parts of the wedding planning process, the dreaded table plan! Great aunt Joan cannot be near second cousin John and really you’d like to sit with your pals rather than follow the traditional top table style with your parents… at the end of the day this is your wedding and as a couple you should be able to choose a seating plan to suit your wedding formality and your guests.

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U is for Ushers
An usher, also known as a groomsman is normally a friend of the groom that has been recruited to direct guests at the ceremony, and generally be available to the bride and groom for assistance throughout the whole wedding event. The ushers would generally be dressed in the same wedding attire as the groom and best man and would feature in the formal wedding photographs alongside the bridesmaids.

V is for Vows
The exchange of wedding vows is an important part of your wedding ceremony. It can be a very romantic moment and often the perfect place to express your feelings for each other. Vows can be modern or traditional, led by a minister or celebrant, written for you or by you and can be tailored to your individual personalities.

W is for Wedding Dress
Almost every girls wedding dream begins with the dress! There are so many gorgeous styles available and all designed to suit different shapes and sizes… you can find the perfect wedding dress style amongst these… Ball gown, mermaid, A-line, Sheath. Strapless, V-neck, halter-neck, one-shoulder, illusion and more!Once you have found the perfect style, you can start to create a unique look through the color and density of the material, heavier fabrics such as brocade and jacquard or lighter materials like silk and chiffon, traditionally a wedding dress would be predominantly white or ivory in color, but these days anything goes!

X is for X -rated (entertainment at bachelor party)
Although it is not necessarily the way every groom will spend their last night of ‘freedom’, the bachelor party, as portrayed in the movie The Hangover, certainly has a reputation for being a night or indeed a weekend of debauchery! Some will go all out with a weekend in Vegas, but generally the party vibe will include trendy bars, nightclubs and, most importantly, strip clubs!Much like the bachelorette party, this is where the best man and other members of the bridal party will shine with ideas, organising embarrassing outfits for the groom, along with drinking games and dares! Gifts for the guys might include matching t-shirts, shot glasses, beer horns or custom beer koozies personalised for each of the guys!

Y is for Years
The number of years spent together, number of years engaged and then number of years married. Once your wedding day becomes a wonderful memory you have the many years of wedding anniversaries to look forward to and to celebrate. Each anniversary that passes will have a symbolic gift that is presented, there is both a traditional and modern gift here is the traditional list;

1st Paper

2nd Cotton

3rd Leather

4th Fruit/Flowers

5th Wood

10th Tin/Aluminium

15th Crystal

20th China

25th Silver

30th Pearl

35th Coral

40th Ruby

45th Sapphire

50th Gold

60th Diamond

Z is for Zero Regrets
In a perfect world, every bride and groom would have the perfect wedding with absolutely no mishaps. However, this is not the perfect world and every turn makes for a new story! Our only advice is to enjoy every minute of your special day, spend as much time with each guest as you possibly, and have zero regrets!

Could Now Be the Time to Start Up a Domestic Services Franchise

August 22, 2016

Domestic Services franchise businesses make excellent recession tough businesses in the UK. Owing to the reality that numerous domestic services are necessities its possible that any franchise opportunity in this industry will flourish since there is continuous need due to services breaking down or requiring service.Domestic Services franchises cover a variety of services for example:-

Domestic Cleaning Franchise opportunities
Domestic premises always require cleaning whether it be general house cleaning, carpet cleaning, upholstery cleaning and other such services.

Handyman Franchise opportunities
Theres always odd jobs that need doing in the house and finding a handyman is not as easy these days as it was. Specialist handyman franchise opportunities have been formed which provide for this marketplace.

Kitchen Service Franchise businesses
Kitchen services such as oven cleaning cover the sort of jobs people put off forever and having another person do it for them is an desirable offer. Kitchen door replacement franchise opportunities can give a facelift to a kitchen which is in need of a sprucing up.

Utility Franchise opportunities
Gas and Electrical services are more and more regulated and there is a perpetual requirement for people with the training to perform home electrical and gas servicing and maintenance.

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As with any business investment, when looking into taking on a Domestic Services Franchise business its prudent to carry out your research properly:-
What is it you enjoy doing? Study the selections and see what works best for you. You can see our %LINK3% section for a helpful variety of franchise businesses.
Take time to assess your funds and savings… what are the franchise costs and setup charges involved in the franchises for sale that are of interest to you
Make contact with the franchisors which attract you and discover everything you can in relation to their systems.
Organise to go to the franchisors head offices and get some insight into their operation and backup facilities.

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Pick up a list of franchisees that you can chat to regarding each franchise. This will usually provide you a reasonable, on-the-ground view from those people who are operating the franchise system as a lifestyle.
Ensure you are up to date on the legal side of investing in a franchise by talking to a professional franchise lawyer.
A good number of the major banks have franchise departments… get in touch with them to discover what funding and facilities are offered.
In conclusion, make your choice and commit yourself to the necessary training and working the established system.

Sedation Dentistry: It’s Important to Understand Different Types of It

October 9, 2016

One of the biggest reasons for people to avoid any visit to a dental clinic is the fear of the equipment. Now let me tell you something – The dental professional which you will choose is qualified enough and has years of experience. They will never perform any procedure (surgical or non-surgical) without any precaution. So for the purpose of surgical procedure dentistry has a new development called sedation dentistry. The information present in this article is for you to understand that sedation dentistry is safe and really important.Honestly you must not have heard much about sedation dentistry but it has been in existence since a really long time. There is one sedation dentistry technique which is being since 1840s till date. In this technique your dentist will use Nitrous Oxide popularly known as laughing gas. Furthermore the use of ether in general sedation was introduced in the dentistry vertical by a Welsh Student.

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Sedation Dentistry is apt for those patients who have the tendency of feeling anxiety when they have to undergo a dental treatment. Sedative can be used for any sort of dental treatment whether it is surgical or simply tooth whitening and cleaning. So basically sedation dentistry helps a patient to relax and feel nothing while undergoing a dental treatment. At times this procedure is referred to as sleep dentistry however the fact is that even though sedatives are applied patients are still awake.Sedation Dentistry involves four levels:• Minimal: Where-in the patient is awake but is completely relaxed.
• Moderate: You won’t remember every detail and step of the procedure but you might speak in a dizzy tone.
• Deep: Not completely awake and not completely unconscious.
• General: You will be completely unconscious.This form of dentistry is categorized into four types. These types have been mentioned below:• Inhaled minimal: Here you will be breathing in laughing gas or Nitrous oxide. The gas is inhaled in combination with oxygen through a mask. It helps in relaxing your entire body and nerves.• Oral: You will be given a pill an hour before the procedure will start. The sedation can range from minimal to moderate depending upon the total dose. The effect will be that you will feel drowsy but will still be awake. You might even sleep but can be awaken by a little shake.• IV moderate: You will receive this sedation through a vein. The effect is quick.• Deep: This will make your body completely unconscious. You won’t wake up unless the effect of sedative subsides.Apart from all these sedatives that are being used you will also receive a local anesthesia. This will help in numbing the area where your dentist will perform the procedure.

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As mentioned before sedation dentistry is best for those who anxiety problem. This problem prevents them patients from visiting the dental clinic. The other reasons why sedation dentistry is best for you are:• You cannot tolerate pain
• You can’t sit at the dentist’s chair
• Tooth Sensitivity
• You gag too soon
• Some major dental problems to be fixed in terms of surgery.You need to tell your dental professional that you suffer from any of the above listed problems. After gauging the dental problem he/she will then decide whether you will undergo sedation dentistry or not. They will also decide the type of sedation which is right for you.There is no harm in looking into sedation dentistry. You must know that a dentist who is performing this procedure is someone who understands your problem and is ready to work with you.

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.

Sexual Roleplaying – What it is and the Best Way to Do It

September 7, 2016

Roleplaying is simply when participants adopt and act out characters that are not themselves. Sexual roleplaying therefore is when couples act out characters with an erotic motivation as part of a sexual fantasy. It can range from being serious with costumes, accents, props, etc. to just being something that is imagined, like being stuck on a deserted island. Practically any role could be involved in sexual roleplaying as long as both people involved are interested. Pretending to be someone you are not can be fun and exciting when done correctly.Roleplaying can also be good for a marriage as it may be an opportunity for a spouse to ask for something she has always wanted done to her or done for her, but never felt comfortable asking for. For example, in a roleplay where the wife is the dominant person (boss) she might feel more open about telling her husband (employee) that she wants to have her body rubbed in a certain way that she had never asked for before. The reduction of inhibitions can be great for a marriage as inhibitions are a killer of sexual enjoyment.Some roleplaying scenarios are:* Animal-related where one is treated as a non-human animal such as a dog or pony
* Hospital fantasies involving doctors, nurses and patients
* Stranger-related one or both spouse pretend to “meet” for the first time
* School related – Headmistress and Student or Teacher and Naughty Schoolgirl
* Photographer and Model
* Stripper and Client
* Business related – Boss and Employee, Boss and SecretaryIf this is your first time thinking about roleplaying, start with something simple, like Photographer and Model and then move on to ones where the acting requirement is a little higher.Roleplaying is a lot of fun and is easy, but there are a few important requirements:1. It requires open communication
2. It requires a willingness to participate
3. It requires honesty
4. It requires not taking yourself too seriously
5. It requires establishing rulesLet’s examine these requirements in a little more depth.1. Roleplaying requires open communication – Roleplaying can involve actions that when taken too far, might be uncomfortable for one or both partners. Let’s say a couple pretends to be strangers who meet in a bar. They pretend to have different pasts and even different names. As the night continues, the husband begins to feel uncomfortable being called a different name. As soon as he realizes this, he needs to be able to communicate with his wife that he wants to end the fantasy or just be called his real name and continue, or another option he feels comfortable with. Whichever he chooses, being able to discuss that with his wife, even in the middle of the roleplaying, is vitally important.2. Roleplaying requires a willingness to participate – Perhaps a husband wants to be the boss and have his wife pretend to be his secretary with a German accent. His wife should not worry about whether that makes sense, if she knows what a secretary does all day, or if she has any idea what a German accent sounds like. She should give it her best try and of course, have fun!3. Roleplaying requires honesty – The husband finds his new doctor very attractive so he gets his wife to pretend to be a doctor and tries to make the fantasy about his new doctor. This is NOT a situation in which roleplaying should be used, nor is it the purpose of roleplaying. The husband needs to be honest with himself about his motivations for the roleplaying. He may not need to tell his wife he is attracted to his doctor, but he definitely should not start a roleplaying session with the goal of thinking about anyone other than his wife. All sexual fantasy, including roleplaying, is just a tool that helps married couples increase their sexual pleasure with each other.4. Roleplaying requires not taking yourself too seriously – In a roleplaying session, the husband might pretend to be an airline pilot while the wife pretends to be a stewardess. Since neither of them have real airline clothing, they make do with what they have. His outfit leaves him looking more like a butler than an airline pilot which could lead him to cutting short the session out of embarrassment. Instead if he is able to play around and ignore the idea that he looks silly, he will probably end up having a great time.5. Roleplaying requires establishing rules – Similar to open communication, rules are important should something need to change or stop during a roleplaying session. This might be as simple as “no” means “no” or could be something that has been pre-arranged as in a certain stopping time for a specific situation. A couple should always stay where they are both comfortable even if a fantasy heads in an unplanned direction. Also, setting and timing need to be right (as with any sexual encounter). Perhaps a roleplaying scenario was planned for today and a wife comes home from a horrible day at work. A postponing may be in order. Again, the ultimate point of roleplaying is to have fun and enjoy each other.

World’s Top Golf Resorts: Train and Play for Your Vacation!

September 11, 2016

The finest golf resorts in the United States, Europe, Mexico and the Caribbean can be your choice for your next vacation. Make it a train-and-play golf vacation! So many package deals are available to make your trip much more than a break from your routine. A golf vacation will be a practical experience of improving your golf game, enjoying a phenomenally peaceful and luxurious setting, and visiting a different state or a different country! This planning guide will point you to some of the best-rated golf resorts in the world.Whether you ultimately book for yourself or through an experienced golf travel specialist, begin your research online where you can find premium golf courses and travel bargains. Rates, resort amenities and golf course details are available. But look further for the packages that include airfare, hotel accommodations and green fees to get your best value. The typical packaged Golf Resort Vacation will include most of these features:Airfare
Resort Accommodations
Confirmed Tee Times
Prepaid Green Fees
Shared Cart for 18 Holes
Equipment Rental
Golf Lessons
Meals at Exclusive Restaurants
Transfers to the Course
Transfers to the Airport
All Taxes and Service ChargesGolf courses are planned in lovely surroundings where you can take in sea breezes or views of lush vegetation, and you can combine golf with other resort amenities to provide a well-rounded vacation.For instance, try one of the many glamorous Club Med Golf Resorts with beautiful fairways in the most unforgettable, inviting locations around the world. Club Med offers deals including the best equipment and golf lessons for all levels! Its locations include Cancun, Mexico, as well as Punta Cana in the Dominican Republic. Other locations span the world: Turks and Caicos, Mauritius, Portugal, France, Italy, Brazil, Thailand, Morocco, Egypt, Senegal, and in the United States–Sandpiper Bay, Florida.

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Scotland has some of the most beautiful golf courses in the world and there are approximately 100 resorts, called “golf hotels,” among the 500-plus golf courses throughout the country. Best known are Turnberry, Gleneagles and The Old Course Hotel St. Andrews. Each of these has spa, leisure facilities, excellent restaurants and “golf tuition” packages for all levels.Mexico has numerous golf resorts perched in luxurious coastal locations. There are golf resorts at Cancun, Acapulco, Puerto Vallarta and Los Cabos. Also, Mexico has its championship Baja version of California’s famous “Pebble Beach” golf resort, called Bajamar, only a few hours’ drive from San Diego in Ensenada.For the United States, check online for some of the golf resorts suggested by key magazines such as Golflink’s which publishes The Top 100 United States Golf Courses. This issue ranks the best out of more than 21,000 public and private golf courses across the country. However, within that one hundred courses, you want to search for the resorts with package programs and golf lessons. Among the top hundred, you will find that the main vacation-destination states with golf resorts are in Arizona, California, Florida, Nevada, South Carolina and Texas. Let’s review these states for their best locations:In sunny, always temperate Florida, Club Med’s Sandpiper Bay Golf Academy offers 2-day and 3-day golf courses. The Academy includes all aspects of the game, such as Chipping, Putting, Bunker, Pitching and Lob Shot, Full Swing with Irons and Woods. A video analyzing your swing is provided, as well as an optional video comparing your swing to that of a pro player. Also, the area within and around Miami has regional golf resorts for year-round vacationing. Each resort offers on-site amenities and services, both on and off the course, and minutes away from major Miami attractions, like South Beach and Miami MetroZoo. You will have a multitude of options during a golf vacation here.
Arizona has a climate that is suitable for many months of the year and Scottsdale has nearly 200 golf courses, many with the picturesque backdrop of the Sonoran Desert. It is a golf destination with golf schools and pro shops. Here, many resorts offer high-quality accommodations and championship golf courses. Most golf resorts offer packages where hotel guests can have discounted green fees. Also, Sedona, Arizona, offers numerous golf resorts with a mild year-round climate and spectacular red-rock scenic views.
In California, Pebble Beach has been known for being a small coastal golf destination nestled in beautiful Monterey County. It is home of the prominent Pebble Beach Golf Links, the Pebble Beach Lodge and the prestigious Inn at Spanish Bay. Each year, golfers return to rub shoulders with golf professionals and experience nature at its finest on the magnificent golf course laid out by leading golf course designers. The harmony of golf layouts and the majestic coast are awe-inspiring!
Another golfer’s paradise is conveniently located along the south Atlantic coast at Hilton Head Island, South Carolina. It combines natural beauty and world-class golf on a barrier island 12 miles long and five miles wide. Nicklaus, Palmer and other golf legends have frequently played these championship courses. Since the first course opened at Sea Pines in 1961, there are now emerald links at Harbour Town and outstanding courses in Bluffton, as the Hilton Head area has become a major golf center. It is legendary for its spectacular views of the Atlantic Ocean, scenic marshes, and maritime forests with abundant wildlife. The temperate climate and year-round sunshine also makes Hilton Head Island the perfect place to tee off.
Las Vegas, Nevada, is quietly emerging as one of the United States’ fastest growing golf destinations amidst the glitz and glamour of its casinos. The city’s huge convention center and innumerable hotel rooms make it a natural haven for large-scale golf events. With the year-round sunshine and mild temperatures, and plenty to do after a full day of playing golf from gambling to seeing entertaining shows, this golf destination will continue to grow.
CNN ranked Austin, Texas the No. 1 city for golf in its Golf.com of 2010. Framed by the Texas Hill Country, Austin’s golf courses are among the best in the United States. The region is highlighted by the Wolfdancer Golf Club which was named No. 56 in Golfweek’s top 100 resort golf courses in 2009. In addition to being a great contemporary music city, and home of numerous celebrities, Austin offers vacationing golfers great barbeque, an idyllic, year-round climate and luxury accommodations.

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Your best package deal will be at all-inclusive resorts, where air flight, lodging, meals and golf activities are rolled into one price. On the other hand, consider traditional hotels and resorts in the locations suggested. With a little online planning, one of the finest golf resorts in the world can be your affordable choice. Enjoy the location, the exploration of the region while you improve your golf game and provide a joyful, well-rounded vacation for your family and loved ones!(c) 2012 Elizabeth McMillian

How to Choose a Martial Arts School – 10 Steps Guaranteed to Save You Time and Money

October 7, 2016

What are the most important things to look for when comparing martial arts schools?
What are the tell tale signs of a quality school that you can spot immediately?
What are the best questions to ask, and how do you know if they can really deliver?
What part of a contract can you negotiate?These are just some of the important questions you need to know how to answer before shopping around for a martial arts school.A commitment to martial arts is an investment in time and money, so knowing exactly what to look for in a school, and knowing what questions to ask, will give you the clarity and confidence to make a smart choice.A bad choice in a martial arts school can be an expensive lesson, so use this guide to educate yourself.There is a huge variety of martial arts schools out there. Facilities range from expensive health-club-like facilities to open space warehouses. Martial arts schools aren’t regulated to insure quality of instruction or business practice. There is no official governing body and no universal grading standard in martial arts. Almost anyone can open a school and appear to be an expert.What do you look for beyond price, amenities and convenient schedules? While most people first consider price and the facility, there are more important factors that you need to consider first!These 10 steps show you how to make the best decision in choosing a martial arts school:Objective
Instructors
Class Dynamic
Student Results
Curriculum
Style
Facility
Service
Price/Fees
Instinct1. OBJECTIVE:Before you start looking into martial arts schools, determine your true goals for martial arts practice. To get the most out of your training, clearly identify your real goals and the specific benefits you want to have.Ultimately, you just want to feel good about yourself and feel super confident, right?However, this is usually not enough of a specific emotional motivator for consistent practice.The majority of people who start martial arts rarely make it past a few months of consistent practice. It’s not just a lack of motivation. Not having clear goals is usually why people don’t follow through in practice.To determine what you really want from training, start by narrowing down what you wish to focus on.The focus of your practice can be broken down into several areas. There’s no right or wrong – it comes down to personal preference.For starters, you can number these in order of importance.Physical Fitness as the main goal, with martial arts aptitude as a secondary benefit.
Purely Combative Focus, with fitness and personal growth as added benefits
Creative and Artistic Expression, aesthetics, beauty and WOW Factor
Competitive Focus, sports aspects such as one on one competition
Mental and Emotional Growth, catalyst for self-discovery and spiritual growth, cultural and philosophical interestsAsk yourself clarifying “Why” questions, so you can identify what you’re really going for.This is the first step in filtering the selection of schools to choose from. Once you’ve identified your goals for martial arts practice and understand why they are your goals, you’re ready to search for a school.2. INSTRUCTORS:An instructor plays the key role in how you will achieve your goals.Finding a good instructor is more important than choosing a style, and is probably the biggest factor in your decision to join a school. It’s nice to have impressive amenities and expensive equipment, but ultimately a martial arts school is only as good as it’s instructors.Being a black belt doesn’t qualify someone to teach!A competent instructor is knowledgeable, experienced, and has the ability to effectively pass on his craft.
A good instructor possesses leadership and communication skills.
A great instructor will also display sincere empathy, showing a genuine interest in helping you achieve your goals, bringing out your individual strengths.Look for other attributes that increase an instructor’s ability to add value to your training:Proven competitive track record, such as World Champion Titles
A degree in an area such as psychology, sports medicine, kinesiology or related fields
Military, law enforcement, or security experience
Involvement in a credible martial arts organization
Extensive knowledge of a culture or philosophy that you’re interested inAlthough an instructor’s experience and background provides some credibility, don’t be overly impressed with awards and certificates.Their mindset and level of experience will be apparent through subtleties in character and by their actions.Quality instructors are sincerely interested in helping You and won’t feel the need to boast about their own credentials or prove themselves. Instead of boosting their own egos, high-level instructors are very attentive on coaching you to achieve your goals.You can often measure an instructor more accurately by their students’ results and satisfaction than by credentials alone. The students themselves may be the greatest indication of the quality of instruction.Just like a good business is constantly researching and developing, high-level instructors research and develop methodologies in order to continually improve. A lifetime training in martial arts isn’t enough to reach human potential!A high level instructor portrays noble characteristics of a role model and leader.Confident instructors welcome feedback and respond to your questions with patience and insight. They are usually very humble, and rarely speak negatively about any other school or style.Also, find out if the school’s head instructor is actively teaching. Some schools have classes primarily taught by an assistant or senior students, while the head instructor only makes an occasional appearance.While assistant instructors may be totally capable of teaching, watch out for schools that “sell” you on the instructor but have someone else teaching.3. CLASS DYNAMIC:Make sure you know how to evaluate a school in two parts, the content and the context.The context of a martial arts school is made up of the training methods and environment. What kind of setting is the school providing?A supportive learning environment is crucial to maximize the assimilation and retention of material. The context of training can be more important than the content, (or material), intended to be learned.Look for context such as:The collective mood or energy of the instructors and students
The class dynamic – structure and flow
How the amenities and equipment are used
The training methodologies
How the ranking system is structured
The quality of serviceOne of the best ways to evaluate a school is to watch or participate in a class.You can watch videos, visit a website and read all about the credentials and features of a school. However, you can only get a true feel by “test driving” the actual group classes. Many schools offer free consultations or introductory private lessons.If a school allows you to watch, or better yet, participate in a class without obligation it speaks highly of their confidence and transparency.

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The class dynamic is the best demonstration of the instructor’s martial arts aptitude and ability to teach. It reveals how the students interact with each other and the instructor. It’s also the perfect opportunity to see how their curriculum is implemented into training.Consider the size of the classes and how that may effect your training. The make up and flow of the classes will either help your learning experience or hurt it.Look for the following:Is there a significant age difference among students that may restrict your practice?
Is there a significant difference in the students’ experiences or physical abilities?
How formal or informal are the classes? And, how does that effect your practice?
How much supportive individual attention do the students receive?
Is there anything about the facility that’ll hinder your practice? such as cleanliness, stale air, too cold or hot, distracting noises, etc.Many beginners prefer large classes. It can be easier to follow along with the examples of many other students. There’s also less intimidation as the collective group dynamic can conceal individual insecurities and lessons the pressure to keep up.On the flip side, there is a key benefit to smaller classes that’s important to consider. There is more opportunity to receive personal attention from instructors that can greatly accelerate your learning curve.Again, instructors are the backbone of a martial arts school. The instructor consciously, or unconsciously, dictates the energy of the entire class.Here are some other things to look for:Does the instructor facilitate class with control and safety? (Notice if the students are enjoying themselves or seem uncomfortable and hesitant).
Is the instructor passionate and actively teaching or seemingly going through the motions and mechanically calling out commands?
Do the students seem inspired?A martial arts school provides the setting of a controlled environment where you’ll train to overcome future or potential challenges. In order to maximize results, good schools teach in a context that anticipates and matches the actual environment of those future and potential challenges.The classes must simulate the intended environment and must provide the necessary emotional stress in order to engrain instinctual trained responses.For example:If you’re seeking a combative style for self-defense, look for schools that safely facilitate reality based, high-stress scenario exercises.
If you’re training to fight in a ring or cage, look for a school that teaches you how to maneuver in the confines of a ring/cage under the same guidelines of the competition.
If you’re goal is to perform in tournaments, look for a school that can facilitate your training in a loud, distracting environment with large mirrors and an audience.
If your goal is to have fun getting in shape, look for classes that use good training equipment, have high energy, exciting exercises and a social atmospherePay attention to the flow of the class and notice how much of the class time is instructional. Some schools implement a lot of conditioning drills while others teach with a lot of verbal explanations. Notice if they have a lot of unnecessary “filler time”.It’s also a good idea to inquire about the school’s ranking system. Most traditional schools use some modification of a belt system, but what’s required to earn each belt can vary drastically from school to school.Is there a clear standard for aptitude and execution of techniques at each level? Or are the requirements based on time and the amount of classes taken?Many schools test for promotions after a set number of classes. This gives the perception of building capable intermediate and advanced students, which can be an important aspect of a school’s perceived value. Not to mention, belt promotions are a crucial source of income for some schools.Remember that there’s no official governing body in martial arts, so belt levels may not be valid outside of that school or organization.4. STUDENT RESULTS:The students provide tremendous insight as to the quality of instruction. You can often tell more about a school by the students’ results than anything else.The students are the products of the school’s training system and methodologies. If the advanced students don’t model your martial arts goals go find another school!When observing the students, pay attention to the ratio of beginner to advanced students. It’s a good sign if there are a lot of intermediate and advanced students. That means the school is able to retain their students, and usually equates to student satisfaction.Just as you probably don’t want to eat at a restaurant that’s always empty, be cautious of a school with a few students. What’s considered a small student base? Depending on the size of the facility and how long they’ve been in business, classes that have less than 10 students is a pretty strong sign that there’s something lacking in the school.Consider the characteristics and personalities of the students as well. It’s important that you are comfortable with your classmates cause you may be spending a lot of time with them.Are they the types of people you’d like to be around and train with?
Would you feel comfortable and safe training with them?
Are the students supportive of one another or are they highly competitive and trying to outdo each other?The student dynamic may also reveal how the instructor instills leadership and other life skills that you may wish to develop. Watch how the advanced students handle both challenges and successes.Take the initiative to speak to some of the students. Getting insight from existing students can make all the difference in your decision to join.5. CURRICULUM:Remember that a martial arts school can be evaluated in two parts, content and context. The curriculum and style of a school make up the content.Whether they call themselves a martial arts school, studio, academy, gym, or dojo, they are still businesses. They will promote themselves in creative ways to gain an edge over the competition. You can expect them to entice you with price incentives, boast their credentials, amenities and equipment, or make claims to get you results in the shortest amount of time possible.Don’t allow marketing tactics to distract you from determining if the school can actually support your training goals.Whatever a school claims to provide in your martial arts training, their students, classes and curriculum will give you a good indication of the school’s quality and true emphasis.The martial arts curriculum, (content), is made up of the techniques and material you will be learning at a school.The focus of your training must be supported by the curriculum and training methods.There are key points to look for in determining the quality of a curriculum. Begin by identifying the school’s emphasis. Take into consideration that when there is more focus on one aspect of martial arts, other areas are compromised to some degree.Forms and jump spinning kicks in the curriculum? You’ve most likely found a school with an artistic or traditional focus that may participate in tournaments. If this is what you’re after, the curriculum should consist of aesthetic techniques that have dynamic kicks and beautiful forms with and without weapons.
Are the techniques based on kickboxing and wrestling? A lot of sparring and no weapons in the curriculum? This is probably a school that focuses on one-on-one sport competition. Schools that build towards competition usually emphasize physical conditioning to reach peak performance.Although physical fitness may not be the primary goal in many styles, fitness is generally a by-product of training. You get in shape by default in martial arts practice.The majority of schools have a curriculum designed to provide a general overall perspective on fitness, sport competition and self-defense. For most people who are just beginning martial arts, a school’s curriculum and interpretation of martial concepts should be comprehensive enough to support you through many years of practice. If this is the case, start to look into other components of the school like their class dynamic.For those who have martial arts experience, or seeking a specific area of focus, determine if the school’s curriculum actually supports the emphasis you’re looking for.It’s not uncommon for a school’s true emphasis to be different from how they market themselves. Take note of the techniques in their curriculum and their applications.For example, let’s say your primary reason for martial arts training is purely for self-defense on the streets. You visit a school that claims to be proficient in teaching self-defense. Yet, they teach fixed stances and forms and only implement weapons training in advanced levels.This is a big red flag! This doesn’t mean it’s not a good school. It only reveals that their true emphasis is not truly combative.70% of assaults on the street involve some sort of weapon and over 90% of attacks go to the ground. Any school that claims to teach true self-defense while neglecting weapons training and ground fighting is just plain negligent.You should seek elsewhere if this is your focus. Modern combative styles will implement training in weapons and ground fighting right from the beginning.Training methods also implement high stress scenario drills with multiple attackers. You won’t find fancy acrobatics in the curriculum.Remember the old adage, “A jack of all trades is master of none.” Be cautious of a school that claims to deliver health and fitness AND teach you culture and philosophy AND turn you into a professional fighter AND prepare you for the streets AND promise personal or spiritual growth.6. STYLE:Martial arts can be compared to a huge tree with many branches or styles. All “styles” are based on the mechanics of the human body. Every style has strengths and weaknesses as they each focus on different aspects of the arts.The true measure of a martial art lies in the practitioner, not the style.Having a general understanding of the different types of styles and their focus will help you in achieving your goals. In martial arts there are hard styles and soft styles.Hard Styles focus on striking techniques where the body is used as a weapon for attacking and defending – force against force. Much of the training is external, based on physical conditioning for strength and agility.
Soft Styles focus on redirection and physical manipulation through leverage and positioning – using an opponent’s force against him. There is often more focus on internal training, training of the mind as well as developing the body’s sensitivity to energy.
Blended Styles incorporate concepts from both hard and soft styles in a complimentary method, flowing and transitioning from hard to soft and vice versa.Depending on the area of focus, each style differs in philosophy and training methods. Applications obviously differ as well.Among styles the emphasis of training will primarily focus on one of the following areas:Artistic Expression – Schools with an artistic focus emphasize creative physical expression – the “art” aspect of “martial arts”. Artistic styles implement forms or choreographed techniques in training. They typically have more aesthetic beauty, as movements are fluid and graceful like a gymnast or dancer.Tradition – Traditional styles are rooted with Eastern culture and philosophy. Traditional schools implement both external and internal training for the development of the mind-body-spirit relationship. With this emphasis, martial arts practice serves as lessons for life skills. Practice may also encompass elements of spiritualism.Competition – Competitive styles generally focus on the sports aspect of martial arts. Competitions can range by category including weight class, level of experience, geographic region and specific style. The emphasis is on winning recognition such as rankings, awards, and trophies that is based on a fixed set of rules.Combat – Combative styles focus on street defense or military application, including law enforcement. It’s the “martial” part of “martial arts”. The emphasis is on practical application over aesthetic form or physical conditioning. Training includes weapons and reality based scenario exercises.Fitness – Schools that focus on fitness use martial arts as a catalyst for holistic health. Classes usually consist of fun, energetic physical exercises based on martial arts techniques. Classes will typically implement a broad and general combination of styles and areas of focus.There are also Modern Styles, which are evolved blended styles that are the result of further researched and developed methodologies. Their focus can be artistic, competitive, combative, or emphasize physical fitness.While it may be a good idea to blend styles, it can be counter productive to combine your area of focus. Be clear on which area you wish to predominantly focus on.Again, there’s no right or wrong style. It’s a matter of personal goals and preference.7. FACILITY:The first thing to consider is the school’s location in relation to your home or workplace.Creating a new habit can be challenging, so convenience plays a big role in supporting consistency. You may be commuting several times a week for training, so make sure the facility is close enough so it doesn’t become an excuse for you not to go.Martial arts schools come in many forms. They can be part of a franchise, belong to an organization, or be a one man show run by a single instructor. They may resemble a fitness gym, yoga studio, gymnasium or warehouse.Don’t judge a book by it’s cover, and don’t judge a martial arts school by it’s facility.Although you can’t measure the quality of a school by the facility alone, it does reveal a lot about the owners mindset, aptitude, emphasis of the style and curriculum, as well as the school’s level of professionalism.The degree of cleanliness may reflect the standard of service. You can get a good idea of the school’s style and emphasis by the school’s design.A school should have the amenities and equipment that support the context of it’s curriculum, such as a cage or ring for MMA or kickboxing, proper mats for Jiu Jitsu, etc.Consider what the school puts money into and determine if it actually adds value to your training.Also notice the subtle details of the facility that may effect on your training. Does the air stink? Does the lighting or colors of the facility effect your energy and mood? How’s the parking? Is it noisy?Remember, expensive equipment, and other luxuries equals higher tuition fees. Be aware of the costs of extra rooms and large offices that don’t directly add value to your training.With a good instructor and some basic equipment you can practice anywhere!8.SERVICE:Some schools have great sales and marketing techniques to get you to join. But, it’s the quality of ongoing customer service that really counts.

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Choosing a school that’s skilled in customer service will potentially save you from a lot of unnecessary headache. Poor customer service can ruin your martial arts experience at any level.Make sure that there are open lines of communication and that staff members are readily accessible to answer questions to your satisfaction.You may be with a school for many months or even years. Choose a school that cares enough to build a relationship with you.Know how to distinguish sales techniques from service.As mentioned, some schools are great at getting you in the door with attractive features and promotions. The question is, once you have signed up are you just another enrollment?A good comparison is the large franchised fitness gyms. Their amenities, equipment and low monthly fees are hard to pass up. However, once you join there’s virtually no service whatsoever. There are too many people who have gym memberships and don’t use them. They already have your financial commitment – a contract. Rest assured their service will pick up when it’s time for renewal. But is that service or just another sales technique?The level of transparency is the greatest measure of a school’s integrity. It’s a reflection of their standards of service.Does the school fully disclose all the costs involved in your training? Some schools have additional fees, like mandatory programs or association fees, that they don’t mention until you reach a certain point in your training.
When you have questions, do you get a clear answer right away or do you get an evasive response? The response you get is a good sign of what kind of service you can expect.
Many schools require you to sign a contract in order to take classes. Some schools offer a trial period where you can pay for a number of classes before you agree to a contract. A contract is simply a written agreement between you and the school, and it can always be negotiated. They should be willing to explain the details of the contract to your full understanding and agree to make any changes you feel are important, as long as it’s mutually beneficial.9. Price and Fees:How important is price to you? For many people, it’s the only real limiting factor.Since most people don’t know how to compare value to price, martial arts schools generally don’t advertise their prices – unless they’re promotional.Be honest. Before you read this guide, what’s one of the first thing you wanted to know about a martial arts school?Fees are usually priced by:Term period – specified time period with flexibility of the amount of classes taken, usually monthly or yearly
Number of classes – specified amount of classes taken
Combination of term and number of classes – usually a monthly fee based on the number of classes taken per week
Specific Programs – packaged programs such as Black Belt Clubs, Instructor Programs, Certification Programs, Seminars, etc.Tuition can range anywhere from $50 per month to $500 per month, depending on the school. Nowadays, the average tuition is about $150 per month for 2-3 classes per week.Tuition isn’t the only cost to consider. You will eventually be investing in training equipment, to some extent. Keep in mind that some styles require more equipment.While price is important, a common mistake is to compare price without comparing value.Consider the previous steps and the benefits before you focus on price. This way you can place some sort of dollar value on each component of a school and then shop around.Think of the convenience of schedule and location, the suitability of teaching style, class dynamic and level of instruction in relation to your personality and goals – can you put a price on that?With the knowledge you gained by reading this guide, you can make an educated choice in “how to invest” in your training instead of “being sold” a membership.Most schools require annual contracts. The contract should clearly explain the details of your membership. Generally, schools don’t offer any refunds on tuition.In most cases, a school will agree to make reasonable changes to the contract if you ask them.If you’re committed to your practice and have found a school following this guide, signing a contract is usually not an issue. However, knowing potential costs and understanding school policies will help you negotiate any changes, if necessary. What you’re really after is “peace of mind”, isn’t it?A contract should be mutually beneficial, so you want to insure that the contract also benefits you. This can mean discounted rates, as an example. A contract is also an incentive for you to get your money’s worth by coming to class regularly.Ask about:Price incentives for paying in full
Discounts for family members
Training equipment – and if they have to be purchased directly from the school
Belt testing fees
Any federation or association member fees
Cost for programs such as Black Belt Clubs and any other mandatory programs
Membership freezes in case of travel, injury, or maternity
Policy for relocation or moving
Fees for early cancellationIt’s also a good idea to ask whether the billing is managed directly by the school or if they use a billing company. Many schools use a billing company to help manage your tuition payments.If the school out-sources their billing, you will be dealing with the billing company for the payment of your tuition fees. The billing company will generally only contact you if you are late on your payment. If you ever have to deal with the billing company you can expect the type of service you get from a collection agency. They can also make negative reports on your credit.A high-quality school has the confidence to earn your business without requiring a contract. But they are rare. These schools are clear about their role. They focus on their core responsibility of providing quality instruction and guidance in your martial arts practice. Schools of this caliber don’t need to use creative sales and marketing techniques. Their business is built by their reputation, word-of-mouth.10. INSTINCT:Pay attention to your intuition when visiting a school. While going through the 10 steps outlined in this guide, you’ll instinctively know when you’ve found the right school.How long the school has been in business? Are they stable?
Are you confident in the instructor?
Do you like the instructor’s teaching style and personality?
Are the students friendly?
Did you have fun? Did you feel inspired?Ultimately, we make decisions based on our emotions and we justify them with logic. Your decision should be instant and definite. If you find yourself thinking too much or having to convince yourself, something is out of whack. Go back to step 1 or keep looking.

Using Consumer Information on Wrinkle Creams

September 30, 2016

Consumer information on wrinkle creams can be found in magazine, newspaper, television and internet advertisements. It can also be found on consumer websites. Websites of the manufacturers’ of the products you are interested in should be checked out well. A reputable company will back its products’, be willing to back up the claims with real research. Such a company will offer free samples and trial period.Some of the claims made by wrinkle cream products are that their product(s) are the best and say things such as “1 out of 10 doctors recommend this.” They claim that you can get immediate results, something that has a grain of truth. When applied to your skin products can give you results but when the product is removed there is no improvement. True results happen over time and are much longer lasting.

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Consumer information may provide data about the ingredients including how they work and the effects they have on your skin. There are some ingredients that are very harmful and others that are extremely beneficial. The ingredients of wrinkle creams and other skin care products are listed on the label. The only problem is that this can be deceptive. For example, collagen is used in injections of the lips but this type is made of ground up chicken feet and beaks and ages your skin. You may see a couple of ingredients that are beneficial but they are only in minimal amounts – just enough so companies can legally list them.Petroleum and petroleum based products are linked to the break down of your skin. This includes alcohols and mineral oil. Nitrosamines can from when amines (DEA, MEA, TEA) become mixed with preservatives that release formaldehyde (bronopol or quatemium-15). They are known carcinogenic agents. Paraben, a preservative is used because it’s cheap and may be linked to cancer as well. Talc, found in cosmetics and powders has been linked to ovarian cancer when it’s used on the genital area.There are natural ingredients that are both safe and effective. There are plant based alcohols. They are very soothing to your skin. Aqua is not tap water. It is water that has been purified using reverse osmosis and high heat sterilizing processes. Active Manuka honey from the manuka bush is both antimicrobial and antibacterial.A group of three active ingredients are used as a base of skin care products. Phytessence Wakame heals dry skin and irritations. It helps to strengthen collagen and also strengthens elastin. It might aid tissue repair. Nano-lipobelle H-EQ10 is used because it can penetrate as deep as the seventh layer of skin easily. Anew agent called Cynergy TK lets the body to make its own collagen and elastin again. They all promote the necessary hydration of your skin.

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There are other natural ingredients such as grape seed oil, macadamia oil, and avocado oil. Beeswax is harvested from honeycomb and twice purified to get rid of all toxins and impurities. Witch hazel extract is astringent . It is also an antioxidant.Consumer information on wrinkle creams can be very helpful in choosing skin care products. It can also provide information on product recalls. It is advisable to check it out before purchasing anything.