Still More Anomalies: Another Top Baker’s Dozen

August 27, 2016

You may not be happy with the world as it is, but at least it’s orderly and makes logical sense. Walk, don’t walk, green yellow red; money trickles in, money flows out; friends and politicians come and go, enemies and stuff accumulate; the sun rises and sets, the moon waxes and wanes; people are born, people die; the days, weeks, months, seasons. and years come and go with regularity. But dig a bit deeper beneath the surface and the world and the cosmos it inhabits, is one anomalous place.THE BIG BANG EVENT: This is no doubt a concept that nearly everyone has heard about, and swallowed hook, line and cosmological sinker because scientists present this creation of the Universe scenario as fact. It’s not fact; just the most viable theory of many theories and it has serious flaws. The accepted theoretical account of the creation or event that kick-started our Universe off not only has that event a something that created all of matter and energy, but all of time and space as well, and this creation event, to boot, all took place in a volume less than that of a pinhead (something in the realm of the quantum) and for no apparent reason at all. First there was nothing; then there was something. Wow!At best observations that support this are indirect being made some 13.7 billion years after-the-fact. Those indirect observations that provide evidence for the Big Bang event are the fact that the Universe is expanding; the Universe has a temperature – the remnants from the hot Big Bang called the cosmic microwave background radiation (CMBR) and the amounts and ratio of hydrogen to helium. In reality there are no direct observations as nobody was present at Ground Zero all those billions of years ago.There are really a couple of anomalies present in the standard Big Bang account. 1) You have a violation of causality – something (space, time, matter and energy) created from nothing which is a violation of several conservation laws or relationships. 2) You have a violation of pure common sense that tells you that you can not stuff the contents of the entire Universe into the realm of the quantum, something actually way less in volume in fact than a pinhead. If that’s not anomalous, I don’t know what is!SPEED OF LIGHT: The anomaly here is that in any other scenario, velocities can be added and subtracted, except the velocity that’s known as the speed of light. Within Relativity Theory, if there is anything unintuitive it is the fact that in the entire Universe, it is the speed of light alone that is absolute or fixed, not something like space or time. It’s unintuitive in that all other bits and pieces that are in motion can be added or subtracted. So, if you are in a train that is moving at say 100 km/hour and you throw a ball at 10 km/hour in the direction at which the train is moving, to an observer outside the train, your ball is traveling at 110 km/hour. If you throw the ball towards the rear of the train, an outside observer will measure the ball as moving at 90 km/hour. If on the other hand, you shine a flashlight in the train, an outside observer will see the velocity of the resulting light beam moving at the speed of light – not the speed of light PLUS the velocity of the train, or the speed of light MINUS the velocity of the train, but at the speed of light! That’s nuts, but it’s scientifically nuts and been proven again and again in any experiment you care to devise.QUANTUM GRAVITY AND THE THEORY OF EVERYTHING: We have the Theory of General Relativity (gravity) and Quantum Physics. Both are bedrocks of modern physics. Both are accurate to a high degree of experimental precision. Both aren’t compatible – with each other. Apparently, one (or both) of these theories must be wrong, or at best incomplete. That’s why the unification of the two (a theory of quantum gravity) is physics’ Holy Grail. However, that Holy Grail is proving as difficult to find as the Biblical Grail itself! But for the moment, it’s like the universe has two independent sets of laws – one governing the very large (gravity); one the very small (the quantum). This makes no natural or scientific sense.We have observations of four physical forces yet no theory which unites the three quantum forces (electromagnetism, the strong nuclear force and the weak nuclear force) with the one classical force – gravity. Theory needs to be satisfied. All of the four fundamental forces should be interconnected; some sort of unification principle must be in operation that relates all four, one to the other. However, these four fundamental forces that govern the Universe show no signs of any obvious unification – well actually the three quantum ones do (known as the GUT – Grand Unified Theory), but that’s where the unification ends. Gravity remains the wallflower. If the Big Bang theory is to be proven correct as stated, scientists must of necessity come up with a viable theory of quantum gravity that is an acceptable unification of the trio of quantum forces with gravity. There is, to date, no viable theory of quantum gravity despite thousands of physicists searching for one over many generations now. Mother Nature is an anomalous bitch!

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QUASARS: Quasars are ‘quasi-stellar objects’. They are ‘stellar’ because they aren’t all that large (like a galaxy). They are ‘quasi’ because they give off energy way, way, way more times greater than any star known in any astronomical catalogue. They seem to be primordial objects – they formed long ago and are now far away. Quasars, like stars or galaxies, are their own entities and if two or more show a very close and special causality relationships then they should show identical recessional velocities (since the Universe is expanding and they are part of the Universe and that expansion). Recessional velocities are measured by an object’s red-shift. Theory identifies red-shift with velocity. However, you apparently have some observations of causality connected quasar pairs with vastly differing red-shifts (measurements of their recessional velocities). The anomaly, in an analogy, is that you can not have a runner running at 15 miles per hour holding hands with another runner running at 3 miles per hour!MASS: There are three fundamental properties of particles (like the electron, neutrinos, the numerous quarks, etc.) and their anti-particles (like the positron). They are charge, spin and mass. As the song goes, two out of three ain’t bad, but that still leaves one out of three out of joint. In this case, it’s mass. Nobody can predict from first principles what the masses of the fundamental particles should be. That’s fairly disturbing for something as fundamental as mass. Despite the relatively large number of particles (including their equal and opposite anti-particles), there are only a few allowed values for charge and spin, values pretty much confined to the physics infield. But, for some reason, the mass (usually expressed in equivalent energy units – Einstein’s famous equation) of the various particles are not only scattered throughout the physics ballpark but are all over the city map and beyond. They take on values (albeit one value per type of particle) over many orders of magnitude without any apparent pattern or regularity or relationship between them – and nobody has the foggiest idea why, not a validly theoretical idea, or even a ‘far out’ idea. Why should mass differ so greatly from the other fundamental properties part and parcel of those elementary particles? It’s like someone just drew a few dozens of numbers out of a hat containing multi hundreds of thousands of values and assigned them to the few dozens of particles willy-nilly. Something is screwy somewhere because something so fundamental shouldn’t be so anomalous.PHYSICAL CONSTANTS: There are constant reports of physical constants that aren’t – constant that is. Physical constants are just that – a constant. They have just one value, everywhere, every-when, and no exceptions. But apparently some ‘constants’ have more than one value depending of where and/or when. Theory and observations (if correct) are yet again not in harmony and that’s totally nuts!TIME TRAVEL: Time travel to the past is a staple of science fiction, but surprisingly has actual viability in modern general relativity physics. In general relativity physics, time travel to the past is theoretically possible – though damned difficult in practice. However, that means that those time travel paradoxes are possible, even likely.The anomaly are those lovable paradoxes like going back in time, say ten years, and killing yourself (which is a novel way of committing suicide), which means you couldn’t have existed to go back in time in the first place in order to kill yourself, which means you’re not dead so you can go back in time and murder yourself, etc. What kind of physics is that?The second anomaly however is that no time travelers have been observed from our future. You would think various significant historical events would be swarming with historians and tourists from the future where time travel is possible. Nobody from our present or past has time traveled back in time and left a proof-positive calling card that we’ve ever found in the fossil record or recorded in the history books.If something is possible, especially something as interesting as time travel, we would expect to see either people from our future in the here and now, or evidence that we’ve traveled to the past, like finding a human skeleton buried inside a T-Rex skeleton, as in inside the area where the T-Rex’s abdominal cavity would be! We don’t.CATTLE MUTILATIONS: There’s no disputing the bona-fides of this gruesome reality. It has been observed – after-the-fact – photographed, documented, and investigated by all manner of officialdom, as well as unofficial private investigators. And though oft referred to as ‘cattle’ mutilations, all manner of wildlife and other domestic livestock have been targeted too, the first reported case being a horse. Like the crop circle phenomena, there are three possible explanations: natural, human or alien.If natural, why has this phenomenon only become an issue since the 1960′s? Predator-prey relationships, scavengers, etc. have existed and been observed ever since humans have inhabited the continents. There should be no anomaly here if animal mutilations are just the normal continuation of Mother Nature in tooth and claw. But there is an anomaly. If predators or scavengers, why are there no footprints, and especially if predators, why no signs of a struggle? How can predators account for precision removal of just certain body parts with razor sharp incisions? Since there’s no blood associated with the mutilated carcasses, did predators drink up their entire victim’s blood like an animal version of Dracula?If humans or cultists are responsible, why hasn’t anyone claimed responsibility? Why hasn’t anyone been caught, tried, convicted, fined and/or imprisoned for trespass, animal cruelty, destruction of private property, etc.? Why no signs of human activity like tire tracks and footprints and litter (say a cigarette butt or beer can or two). Again, why no signs of a struggle?Some have suggested this is the work of government, or government departments, taking samples to monitor for various bovine nasties, like diseases, or other types of contamination that could endanger human health if these livestock were consumed. Really! There are vastly easier ways of legally gathering up tissue samples than sneaking around in the dead of night and killing/mutilating animals for a few body parts.So of course it has to be extraterrestrials! How can aliens mutilate cattle (and other livestock and wildlife), decade after decade, without ever being seen? Why would aliens be interested in wildlife and livestock in the first damned place, or at least some of their highly selected body parts?HUMAN CULTURE & CIVILIZATION: There are two relatively unexplained turning points in the evolution of modern man when contrasted with our more primate-like ancestors. One is the acquisition of what we call culture. Culture (like art appreciation and abstract ideas like an afterlife) happened within a fairly narrow timeframe, roughly 50,000 years ago, wherever nomadic bands of hunter-gatherers gathered. Why the sudden transition? The second great leap forward, again, within a narrow timeframe, some 9000 years ago, was the transition from nomadic lifestyles to settlements – farming crops and herding now domesticated wildlife. Settlements rapidly became villages became towns became cities. While some nomadic hunter-gatherers still roamed the plains, like the Australian aboriginal, what was once that nomadic rule now became that exception to that rule. In both cases, culture and civilization, the observational evidence is rock-solid; theory can’t really explain the transition, or at least the relatively rapid transition, around the world, from the tried-and-true before-the-fact pre-cultural nomadic lifestyle to the unknown leap of an untested experiment with culture and settlements.ANCIENT EGYPT: LIGHTING THE PYRAMIDS, etc. We all are aware that many of the ancient Egyptian structures, like pyramids and the tombs in the Valley of the Kings, contain vast numbers of deep and twisting passageways inside. Many of those interiors have been elaborately decorated with all manner of paintings and carvings of hieroglyphs, etc. Whether or not the interiors were decorated, there must have been a requirement for lighting. There were no glass windows. There were no battery-operated torches or flashlights. There was no electric lighting back then, though of course that’s how these structures are illuminated today for tourists and/or archaeologists. Neither source of available luminescent technology back then really holds a candle as it were to how they could have been actually employed. The obvious sources were burning torches, oil lamps, candles, etc. Now you don’t really want to undertake construction, detailed painting or carving stone by candlelight. In any event there are no traces of soot residue on the walls and ceilings. The alternative method was to position bronze or copper mirrors that reflect sunlight onto another mirror which in turn reflected that light onto another mirror further inside the structure which in turn reflected the light it received onto the next mirror down the line, etc. The physics problem is that the original sunlight gets so diluted so quickly after just a couple of mirrors in, that it becomes an impractical ways and means. If you have to penetrate very far inside the structure, and some passageways are indeed, very, very far inside, lighting with mirrors fail. The anomaly is you need adequate lighting yet there’s no really adequate source.

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EXODUS, BOOK OF: There are multi-dozens of anomalies, things that just can’t be, reported in the Bible. Of all of these, the most anomalous is the Book of Exodus, because some of the events recorded there can be checked against another independent historical source. If the history in the Book of Exodus is found wanting, and it is, then if one holy book goes down the gurgler, then all the rest of the books are suspect too.The anomaly here is that the Book of Exodus features the land and peoples of ancient Egypt fairly prominently. A couple of key Biblical characters play leading roles there – Moses and Joseph – not to mention thousands of alleged Hebrew slaves. Nasty things happen to that land and those peoples like the ten plagues and the drowning of pharaoh’s army. The anomaly here is that you’d expect ancient Egyptian records to verify and collaborate and substantiate the Book of Exodus, but you don’t find anything of the sort. It’s as if the Biblical version took place in a parallel universe – or in the imagination of the all too human author.BIBLICAL MIRACLES: Then there’s this Biblical bit about Joshua commanding the sun to stand still (at least that’s the way I recall it). That’s a tall tale or myth but whatever, it can’t be a physical reality. But wait, there’s more! There’s Jonah and the whale; Eve’s creation from a rib; walking on the waters; the walls of Jericho tumbling down at the sound of no doubt out of tune trumpets or rams horns. In the Bible we have this tale of the multiplying of loaves and fishes out of virtually nothing.Miracles are part and parcel of any and all supernaturally based religions. Miracles of the supernatural kind (and that’s the only kind of miracle that counts here) violate one or more laws, principles or relationships established by science. There can be no such thing as a supernatural miracle in theory. However, there have been numerous reports of supernatural miracles.Reported events cannot violate the natural state of things. If they do violate that natural state of things, then they must be supernatural. There’s no known theory that can accommodate supernatural events. That’s part of the conflict between science and religion. The conflict is an anomaly.THE AFTERLIFE: A concept that closest to the hearts and minds of nearly all humans and human cultures past and present is what happens to us after we kick the bucket. The answer is we transcend into another life – an afterlife. Every culture, past and present, has an afterlife concept, a life after death concept, or some sort of an eternity or immortality worldview. Not all of the versions of the theoretical afterlife can be correct however. Idealistic theoretical expectations that when you die you won’t stay dead, versus practical reality that observations show that dead things stay dead, are indeed conflicting, therefore anomalous. However, nobody has ever come back from the dead to prove the reality of an afterlife to the satisfaction of any unbiased referee.From the examples above, I conclude that it almost seems as if someone (something) is ultimately responsible for our Universe, but he / she/ it / they didn’t quite think things through sufficiently. Methinks an all knowing, all powerful supernatural God type being wouldn’t have stuffed things up. So either the Universe is naturally stuffed up, or it was created stuffed up!

Questions First Time Investors Should Ask Before Investing

October 21, 2016

It is easy to find people’s opinion on how to invest in the stock market as everyone has a different angle on what to expect in the stock market at every point in time, but most of the time people’s opinion may be very confusing. The most common problem that new investors do have is how to determine good investments from the bad ones, what to invest on, what time to invest among others. Some of the questions that you need to answer so as to make a good decision when you want to invest are highlighted below.Is This a Good Time to Invest in Stocks?On the off chance that you are taking a gander at money markets amid a lofty decrease, you may think it is a terrible time to begin investing. On the off chance that you are taking a gander at it when stocks are reviving, you may think it is a decent time.Neither one of the times is fundamentally great or terrible in the event that you are investing for the long haul (10 years or more). Nobody can anticipate with any level of assurance which way the share trading system will move at any given time; yet over the long haul, stock markets has constantly moved higher. Each bear advertises is trailed by a buyer market (when stock costs rise). Verifiably, positively trending markets have endured any longer than bear markets, and the additions of buyer markets have more than counterbalance the misfortunes in bear marketsHow Much Risk Should I Take?A standout amongst the most essential fundamentals of investing is the cozy relationship amongst risk and returns. Without risk, there can be no profits. You ought to will to accept more risk on the off chance that you are looking for more noteworthy returns. In that regard, risk can be something to be thankful for, yet just in the event that you take into consideration adequate time to let the inescapable market cycles happen. By and large, in the event that you have a more drawn out venture time skyline, you ought to will to expect a more noteworthy measure of risk, on the grounds that there will be more opportunity for the market to work through the here and there cycles. Generally, understanding financial specialists have been compensated with positive long haul returns.

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New investors are regularly encouraged to put fundamentally in common money, which can give moment enhancement, offering the most ideal approach to lessen risk. By putting resources into a couple of various shared assets speaking to various resource classes, (for example, expansive development stocks, global stocks or bonds), you can lessen unpredictability significantly promote without yielding long haul returns.On the off chance that you are beginning an investment program by investing incremental measures of cash on a month to month basis, you will profit by dollar cost averaging. When you invest an altered measure of cash on a month to month premise, you get some share costs at a higher cost and some at a lower cost because of market changes. At the point when the market decreases, your settled dollar sum will purchase more shares. After some time, the normal cost of your shares ought to be lower than the present market cost. By utilizing dollar cost averaging, your drawback risk will be alleviated after some time. What Is My Investment Goal?The most vital question to consider before making any invest is, “What Is My Investment Goal?” Your ventures will contrast boundlessly if, for instance, you are attempting to spare cash for retirement as opposed to attempting to spare cash for an up front installment on the house. Things being what they are, ask yourself, “Is this venture prone to help me meet my objective?” What Is My Risk Tolerance?If your investment objective is to profit as would be prudent and you can endure any hazard, then you ought to invest in the National Lottery. Putting resources into lotteries, be that as it may, practically promises you won’t achieve your venture objective. There are speculations for each level of risk resilience. But if you are not a high-risk taker, investing in long-term investment is the key.What Happens if This Investment Goes to Zero?Among the 12 stocks in 1896 stock list, only General Electric is still in operation, the other eleven firms in the first record have either gone bankrupt or have been gobbled up. There is a genuine plausibility that any investment you make could go to zero while you claim it. Ask yourself, “Will I be monetarily crushed if this speculation goes to zero?” If the answer is yes, don’t make that venture.What Is My Investment Time Frame?As a rule, the more extended your investment time allotment, the more risk you can take in your investment portfolio since you have more opportunity to recuperate from a mix-up. Likewise, in case you’re putting something aside for retirement, and you’re decades from resigning, putting resources into something illiquid (like an investment property) may bode well. “Does this venture bode well from a planning perspective?”When and Why Will I Sell This Investment?If you know why you are putting resources into something, you ought to have an entirely smart thought of when to sell it. On the off chance that you purchased a stock since you were expecting 20 percent income development for each year, you ought to anticipate offering the stock if income development doesn’t live up to your desires. On the off chance that you purchased a stock since you enjoyed the dividend yield, offer the stock if the profit yield falls.Who Am I Investing With?It is extremely hard to judge the character and capacity of anybody in light of a two-passage portrayal accessible in an organization’s yearly report or a common store outline. However, you ought to at any rate know with whom you are entrusting your money. What is their past record? Things to hope for are long fruitful track records and good dividend and turnover.Do I Have Special Knowledge?A celebrated investment expert feels that normal individuals have a tremendous favorable position over investment experts in fields where they work in light of the fact that no investment professional will ever know more around an industry than somebody who works in it. Ask yourself, “Am I putting resources into something I know something about, or am I putting resources into something that some specialist know something about?”

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I couldn’t care less how great something sounds. In the event that I don’t totally see how it functions, I won’t put resources into it.In the event that an investment can’t be clarified obviously, it implies one of two things:The individual clarifying it doesn’t comprehend it either, or there’s something about the investment that the individual is attempting to stow away.On top of that, one of the greatest keys to investing admirably is adhering to your arrangement through the good and bad times.That is difficult. Indeed, even the best investment methodologies have enormous down periods that make you reconsider. Adhering to your arrangement in those extreme times requires a practically religious-like conviction that things will pivot.Furthermore, the best way to have that sort of conviction is to comprehend why you’re investing the way you are and what every bit of your arrangement is accomplishing for you. Without a solid comprehension, you’ll more likely than not safeguard at the main indication of inconvenience.Why Do I Still Own That Investment?It is a smart thought to intermittently look through your investment portfolio to ensure regardless you need to claim your stock. Offering an investment for a misfortune or offering a major champ is exceptionally troublesome. Be that as it may, the greatest distinction amongst beginner and professional investors is that professional investors don’t have passionate ensnarement with their investment and can strip themselves of their investment without kicking themselves if the investment keeps on picking up esteem.Should I Be Managing My Own Investments?It is extremely difficult for beginner investor to perform well than a professional investment expert. If you don’t have sufficient energy or slant to deal with your investment, you ought to think about paying an expert to do it for you. Every investor wants to make profit, so there is no harm in trusting your investment in good hand.

Insurance Law – An Indian Perspective

October 25, 2016

INTRODUCTION”Insurance should be bought to protect you against a calamity that would otherwise be financially devastating.”In simple terms, insurance allows someone who suffers a loss or accident to be compensated for the effects of their misfortune. It lets you protect yourself against everyday risks to your health, home and financial situation.Insurance in India started without any regulation in the Nineteenth Century. It was a typical story of a colonial epoch: few British insurance companies dominating the market serving mostly large urban centers. After the independence, it took a theatrical turn. Insurance was nationalized. First, the life insurance companies were nationalized in 1956, and then the general insurance business was nationalized in 1972. It was only in 1999 that the private insurance companies have been allowed back into the business of insurance with a maximum of 26% of foreign holding.”The insurance industry is enormous and can be quite intimidating. Insurance is being sold for almost anything and everything you can imagine. Determining what’s right for you can be a very daunting task.”Concepts of insurance have been extended beyond the coverage of tangible asset. Now the risk of losses due to sudden changes in currency exchange rates, political disturbance, negligence and liability for the damages can also be covered.But if a person thoughtfully invests in insurance for his property prior to any unexpected contingency then he will be suitably compensated for his loss as soon as the extent of damage is ascertained.The entry of the State Bank of India with its proposal of bank assurance brings a new dynamics in the game. The collective experience of the other countries in Asia has already deregulated their markets and has allowed foreign companies to participate. If the experience of the other countries is any guide, the dominance of the Life Insurance Corporation and the General Insurance Corporation is not going to disappear any time soon.
The aim of all insurance is to compensate the owner against loss arising from a variety of risks, which he anticipates, to his life, property and business. Insurance is mainly of two types: life insurance and general insurance. General insurance means Fire, Marine and Miscellaneous insurance which includes insurance against burglary or theft, fidelity guarantee, insurance for employer’s liability, and insurance of motor vehicles, livestock and crops.LIFE INSURANCE IN INDIA”Life insurance is the heartfelt love letter ever written.It calms down the crying of a hungry baby at night. It relieves the heart of a bereaved widow.It is the comforting whisper in the dark silent hours of the night.”Life insurance made its debut in India well over 100 years ago. Its salient features are not as widely understood in our country as they ought to be. There is no statutory definition of life insurance, but it has been defined as a contract of insurance whereby the insured agrees to pay certain sums called premiums, at specified time, and in consideration thereof the insurer agreed to pay certain sums of money on certain condition sand in specified way upon happening of a particular event contingent upon the duration of human life.Life insurance is superior to other forms of savings!”There is no death. Life Insurance exalts life and defeats death.It is the premium we pay for the freedom of living after death.”Savings through life insurance guarantee full protection against risk of death of the saver. In life insurance, on death, the full sum assured is payable (with bonuses wherever applicable) whereas in other savings schemes, only the amount saved (with interest) is payable.The essential features of life insurance are a) it is a contract relating to human life, which b) provides for payment of lump-sum amount, and c) the amount is paid after the expiry of certain period or on the death of the assured. The very purpose and object of the assured in taking policies from life insurance companies is to safeguard the interest of his dependents viz., wife and children as the case may be, in the even of premature death of the assured as a result of the happening in any contingency. A life insurance policy is also generally accepted as security for even a commercial loan.NON-LIFE INSURANCE”Every asset has a value and the business of general insurance is related to the protection of economic value of assets.”Non-life insurance means insurance other than life insurance such as fire, marine, accident, medical, motor vehicle and household insurance. Assets would have been created through the efforts of owner, which can be in the form of building, vehicles, machinery and other tangible properties. Since tangible property has a physical shape and consistency, it is subject to many risks ranging from fire, allied perils to theft and robbery.
Few of the General Insurance policies are:Property Insurance: The home is most valued possession. The policy is designed to cover the various risks under a single policy. It provides protection for property and interest of the insured and family.Health Insurance: It provides cover, which takes care of medical expenses following hospitalization from sudden illness or accident.
Personal Accident Insurance: This insurance policy provides compensation for loss of life or injury (partial or permanent) caused by an accident. This includes reimbursement of cost of treatment and the use of hospital facilities for the treatment.Travel Insurance: The policy covers the insured against various eventualities while traveling abroad. It covers the insured against personal accident, medical expenses and repatriation, loss of checked baggage, passport etc.Liability Insurance: This policy indemnifies the Directors or Officers or other professionals against loss arising from claims made against them by reason of any wrongful Act in their Official capacity.Motor Insurance: Motor Vehicles Act states that every motor vehicle plying on the road has to be insured, with at least Liability only policy. There are two types of policy one covering the act of liability, while other covers insurers all liability and damage caused to one’s vehicles.JOURNEY FROM AN INFANT TO ADOLESCENCE!Historical PerspectiveThe history of life insurance in India dates back to 1818 when it was conceived as a means to provide for English Widows. Interestingly in those days a higher premium was charged for Indian lives than the non-Indian lives as Indian lives were considered more risky for coverage.

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The Bombay Mutual Life Insurance Society started its business in 1870. It was the first company to charge same premium for both Indian and non-Indian lives. The Oriental Assurance Company was established in 1880. The General insurance business in India, on the other hand, can trace its roots to the Triton (Tital) Insurance Company Limited, the first general insurance company established in the year 1850 in Calcutta by the British. Till the end of nineteenth century insurance business was almost entirely in the hands of overseas companies.Insurance regulation formally began in India with the passing of the Life Insurance Companies Act of 1912 and the Provident Fund Act of 1912. Several frauds during 20′s and 30′s desecrated insurance business in India. By 1938 there were 176 insurance companies. The first comprehensive legislation was introduced with the Insurance Act of 1938 that provided strict State Control over insurance business. The insurance business grew at a faster pace after independence. Indian companies strengthened their hold on this business but despite the growth that was witnessed, insurance remained an urban phenomenon.The Government of India in 1956, brought together over 240 private life insurers and provident societies under one nationalized monopoly corporation and Life Insurance Corporation (LIC) was born. Nationalization was justified on the grounds that it would create much needed funds for rapid industrialization. This was in conformity with the Government’s chosen path of State lead planning and development.The (non-life) insurance business continued to prosper with the private sector till 1972. Their operations were restricted to organized trade and industry in large cities. The general insurance industry was nationalized in 1972. With this, nearly 107 insurers were amalgamated and grouped into four companies – National Insurance Company, New India Assurance Company, Oriental Insurance Company and United India Insurance Company. These were subsidiaries of the General Insurance Company (GIC).The life insurance industry was nationalized under the Life Insurance Corporation (LIC) Act of India. In some ways, the LIC has become very flourishing. Regardless of being a monopoly, it has some 60-70 million policyholders. Given that the Indian middle-class is around 250-300 million, the LIC has managed to capture some 30 odd percent of it. Around 48% of the customers of the LIC are from rural and semi-urban areas. This probably would not have happened had the charter of the LIC not specifically set out the goal of serving the rural areas. A high saving rate in India is one of the exogenous factors that have helped the LIC to grow rapidly in recent years. Despite the saving rate being high in India (compared with other countries with a similar level of development), Indians display high degree of risk aversion. Thus, nearly half of the investments are in physical assets (like property and gold). Around twenty three percent are in (low yielding but safe) bank deposits. In addition, some 1.3 percent of the GDP are in life insurance related savings vehicles. This figure has doubled between 1985 and 1995.A World viewpoint – Life Insurance in IndiaIn many countries, insurance has been a form of savings. In many developed countries, a significant fraction of domestic saving is in the form of donation insurance plans. This is not surprising. The prominence of some developing countries is more surprising. For example, South Africa features at the number two spot. India is nestled between Chile and Italy. This is even more surprising given the levels of economic development in Chile and Italy. Thus, we can conclude that there is an insurance culture in India despite a low per capita income. This promises well for future growth. Specifically, when the income level improves, insurance (especially life) is likely to grow rapidly.INSURANCE SECTOR REFORM:Committee Reports: One Known, One Anonymous!Although Indian markets were privatized and opened up to foreign companies in a number of sectors in 1991, insurance remained out of bounds on both counts. The government wanted to proceed with caution. With pressure from the opposition, the government (at the time, dominated by the Congress Party) decided to set up a committee headed by Mr. R. N. Malhotra (the then Governor of the Reserve Bank of India).Malhotra CommitteeLiberalization of the Indian insurance market was suggested in a report released in 1994 by the Malhotra Committee, indicating that the market should be opened to private-sector competition, and eventually, foreign private-sector competition. It also investigated the level of satisfaction of the customers of the LIC. Inquisitively, the level of customer satisfaction seemed to be high.In 1993, Malhotra Committee – headed by former Finance Secretary and RBI Governor Mr. R. N. Malhotra – was formed to evaluate the Indian insurance industry and recommend its future course. The Malhotra committee was set up with the aim of complementing the reforms initiated in the financial sector. The reforms were aimed at creating a more efficient and competitive financial system suitable for the needs of the economy keeping in mind the structural changes presently happening and recognizing that insurance is an important part of the overall financial system where it was necessary to address the need for similar reforms. In 1994, the committee submitted the report and some of the key recommendations included:o StructureGovernment bet in the insurance Companies to be brought down to 50%. Government should take over the holdings of GIC and its subsidiaries so that these subsidiaries can act as independent corporations. All the insurance companies should be given greater freedom to operate.
CompetitionPrivate Companies with a minimum paid up capital of Rs.1 billion should be allowed to enter the sector. No Company should deal in both Life and General Insurance through a single entity. Foreign companies may be allowed to enter the industry in collaboration with the domestic companies. Postal Life Insurance should be allowed to operate in the rural market. Only one State Level Life Insurance Company should be allowed to operate in each state.o Regulatory BodyThe Insurance Act should be changed. An Insurance Regulatory body should be set up. Controller of Insurance – a part of the Finance Ministry- should be made Independent.o InvestmentsCompulsory Investments of LIC Life Fund in government securities to be reduced from 75% to 50%. GIC and its subsidiaries are not to hold more than 5% in any company (there current holdings to be brought down to this level over a period of time).o Customer ServiceLIC should pay interest on delays in payments beyond 30 days. Insurance companies must be encouraged to set up unit linked pension plans. Computerization of operations and updating of technology to be carried out in the insurance industry. The committee accentuated that in order to improve the customer services and increase the coverage of insurance policies, industry should be opened up to competition. But at the same time, the committee felt the need to exercise caution as any failure on the part of new competitors could ruin the public confidence in the industry. Hence, it was decided to allow competition in a limited way by stipulating the minimum capital requirement of Rs.100 crores.The committee felt the need to provide greater autonomy to insurance companies in order to improve their performance and enable them to act as independent companies with economic motives. For this purpose, it had proposed setting up an independent regulatory body – The Insurance Regulatory and Development Authority.Reforms in the Insurance sector were initiated with the passage of the IRDA Bill in Parliament in December 1999. The IRDA since its incorporation as a statutory body in April 2000 has meticulously stuck to its schedule of framing regulations and registering the private sector insurance companies.Since being set up as an independent statutory body the IRDA has put in a framework of globally compatible regulations. The other decision taken at the same time to provide the supporting systems to the insurance sector and in particular the life insurance companies was the launch of the IRDA online service for issue and renewal of licenses to agents. The approval of institutions for imparting training to agents has also ensured that the insurance companies would have a trained workforce of insurance agents in place to sell their products.The Government of India liberalized the insurance sector in March 2000 with the passage of the Insurance Regulatory and Development Authority (IRDA) Bill, lifting all entry restrictions for private players and allowing foreign players to enter the market with some limits on direct foreign ownership. Under the current guidelines, there is a 26 percent equity lid for foreign partners in an insurance company. There is a proposal to increase this limit to 49 percent.The opening up of the sector is likely to lead to greater spread and deepening of insurance in India and this may also include restructuring and revitalizing of the public sector companies. In the private sector 12 life insurance and 8 general insurance companies have been registered. A host of private Insurance companies operating in both life and non-life segments have started selling their insurance policies since 2001Mukherjee CommitteeImmediately after the publication of the Malhotra Committee Report, a new committee, Mukherjee Committee was set up to make concrete plans for the requirements of the newly formed insurance companies. Recommendations of the Mukherjee Committee were never disclosed to the public. But, from the information that filtered out it became clear that the committee recommended the inclusion of certain ratios in insurance company balance sheets to ensure transparency in accounting. But the Finance Minister objected to it and it was argued by him, probably on the advice of some of the potential competitors, that it could affect the prospects of a developing insurance company.LAW COMMISSION OF INDIA ON REVISION OF THE INSURANCE ACT 1938 – 190th Law Commission ReportThe Law Commission on 16th June 2003 released a Consultation Paper on the Revision of the Insurance Act, 1938. The previous exercise to amend the Insurance Act, 1938 was undertaken in 1999 at the time of enactment of the Insurance Regulatory Development Authority Act, 1999 (IRDA Act).The Commission undertook the present exercise in the context of the changed policy that has permitted private insurance companies both in the life and non-life sectors. A need has been felt to toughen the regulatory mechanism even while streamlining the existing legislation with a view to removing portions that have become superfluous as a consequence of the recent changes.Among the major areas of changes, the Consultation paper suggested the following:a. merging of the provisions of the IRDA Act with the Insurance Act to avoid multiplicity of legislations;b. deletion of redundant and transitory provisions in the Insurance Act, 1938;c. Amendments reflect the changed policy of permitting private insurance companies and strengthening the regulatory mechanism;d. Providing for stringent norms regarding maintenance of ‘solvency margin’ and investments by both public sector and private sector insurance companies;e. Providing for a full-fledged grievance redressal mechanism that includes:o The constitution of Grievance Redressal Authorities (GRAs) comprising one judicial and two technical members to deal with complaints/claims of policyholders against insurers (the GRAs are expected to replace the present system of insurer appointed Ombudsman);o Appointment of adjudicating officers by the IRDA to determine and levy penalties on defaulting insurers, insurance intermediaries and insurance agents;o Providing for an appeal against the decisions of the IRDA, GRAs and adjudicating officers to an Insurance Appellate Tribunal (IAT) comprising a judge (sitting or retired) of the Supreme Court/Chief Justice of a High Court as presiding officer and two other members having sufficient experience in insurance matters;o Providing for a statutory appeal to the Supreme Court against the decisions of the IAT.LIFE & NON-LIFE INSURANCE – Development and Growth!The year 2006 turned out to be a momentous year for the insurance sector as regulator the Insurance Regulatory Development Authority Act, laid the foundation for free pricing general insurance from 2007, while many companies announced plans to attack into the sector.Both domestic and foreign players robustly pursued their long-pending demand for increasing the FDI limit from 26 per cent to 49 per cent and toward the fag end of the year, the Government sent the Comprehensive Insurance Bill to Group of Ministers for consideration amid strong reservation from Left parties. The Bill is likely to be taken up in the Budget session of Parliament.The infiltration rates of health and other non-life insurances in India are well below the international level. These facts indicate immense growth potential of the insurance sector. The hike in FDI limit to 49 per cent was proposed by the Government last year. This has not been operationalized as legislative changes are required for such hike. Since opening up of the insurance sector in 1999, foreign investments of Rs. 8.7 billion have tipped into the Indian market and 21 private companies have been granted licenses.

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The involvement of the private insurers in various industry segments has increased on account of both their capturing a part of the business which was earlier underwritten by the public sector insurers and also creating additional business boulevards. To this effect, the public sector insurers have been unable to draw upon their inherent strengths to capture additional premium. Of the growth in premium in 2004-05, 66.27 per cent has been captured by the private insurers despite having 20 per cent market share.The life insurance industry recorded a premium income of Rs.82854.80 crore during the financial year 2004-05 as against Rs.66653.75 crore in the previous financial year, recording a growth of 24.31 per cent. The contribution of first year premium, single premium and renewal premium to the total premium was Rs.15881.33 crore (19.16 per cent); Rs.10336.30 crore (12.47 per cent); and Rs.56637.16 crore (68.36 per cent), respectively. In the year 2000-01, when the industry was opened up to the private players, the life insurance premium was Rs.34,898.48 crore which constituted of Rs. 6996.95 crore of first year premium, Rs. 25191.07 crore of renewal premium and Rs. 2740.45 crore of single premium. Post opening up, single premium had declined from Rs.9, 194.07 crore in the year 2001-02 to Rs.5674.14 crore in 2002-03 with the withdrawal of the guaranteed return policies. Though it went up marginally in 2003-04 to Rs.5936.50 crore (4.62 per cent growth) 2004-05, however, witnessed a significant shift with the single premium income rising to Rs. 10336.30 crore showing 74.11 per cent growth over 2003-04.The size of life insurance market increased on the strength of growth in the economy and concomitant increase in per capita income. This resulted in a favourable growth in total premium both for LIC (18.25 per cent) and to the new insurers (147.65 per cent) in 2004-05. The higher growth for the new insurers is to be viewed in the context of a low base in 2003- 04. However, the new insurers have improved their market share from 4.68 in 2003-04 to 9.33 in 2004-05.The segment wise break up of fire, marine and miscellaneous segments in case of the public sector insurers was Rs.2411.38 crore, Rs.982.99 crore and Rs.10578.59 crore, i.e., a growth of (-)1.43 per cent, 1.81 per cent and 6.58 per cent. The public sector insurers reported growth in Motor and Health segments (9 and 24 per cent). These segments accounted for 45 and 10 per cent of the business underwritten by the public sector insurers. Fire and “Others” accounted for 17.26 and 11 per cent of the premium underwritten. Aviation, Liability, “Others” and Fire recorded negative growth of 29, 21, 3.58 and 1.43 per cent. In no other country that opened at the same time as India have foreign companies been able to grab a 22 per cent market share in the life segment and about 20 per cent in the general insurance segment. The share of foreign insurers in other competing Asian markets is not more than 5 to 10 per cent.The life insurance sector grew new premium at a rate not seen before while the general insurance sector grew at a faster rate. Two new players entered into life insurance – Shriram Life and Bharti Axa Life – taking the total number of life players to 16. There was one new entrant to the non-life sector in the form of a standalone health insurance company – Star Health and Allied Insurance, taking the non-life players to 14.A large number of companies, mostly nationalized banks (about 14) such as Bank of India and Punjab National Bank, have announced plans to enter the insurance sector and some of them have also formed joint ventures.The proposed change in FDI cap is part of the comprehensive amendments to insurance laws – The Insurance Act of 1999, LIC Act, 1956 and IRDA Act, 1999. After the proposed amendments in the insurance laws LIC would be able to maintain reserves while insurance companies would be able to raise resources other than equity.About 14 banks are in queue to enter insurance sector and the year 2006 saw several joint venture announcements while others scout partners. Bank of India has teamed up with Union Bank and Japanese insurance major Dai-ichi Mutual Life while PNB tied up with Vijaya Bank and Principal for foraying into life insurance. Allahabad Bank, Karnataka Bank, Indian Overseas Bank, Dabur Investment Corporation and Sompo Japan Insurance Inc have tied up for forming a non-life insurance company while Bank of Maharashtra has tied up with Shriram Group and South Africa’s Sanlam group for non-life insurance venture.CONCLUSIONIt seems cynical that the LIC and the GIC will wither and die within the next decade or two. The IRDA has taken “at a snail’s pace” approach. It has been very cautious in granting licenses. It has set up fairly strict standards for all aspects of the insurance business (with the probable exception of the disclosure requirements). The regulators always walk a fine line. Too many regulations kill the motivation of the newcomers; too relaxed regulations may induce failure and fraud that led to nationalization in the first place. India is not unique among the developing countries where the insurance business has been opened up to foreign competitors.The insurance business is at a critical stage in India. Over the next couple of decades we are likely to witness high growth in the insurance sector for two reasons namely; financial deregulation always speeds up the development of the insurance sector and growth in per capita GDP also helps the insurance business to grow.

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!

Black History Month And The First Black Republic: A Link Long Forgotten

August 27, 2016

In February each year, Americans of African descent join all other Americans to celebrate Black History Month. In many quarters of the United States and other parts of the world, celebrations of this historic event take place. Accordingly, the significance of observing a black history for a full thirty days should be viewed and manifested in many more ways than merely recalling the Emancipation Proclamation that “freed” black people from the shackles of slavery. Certainly, “a black history” in its entirety transcends the Civil Rights Movement that legally “ended” black-white segregation particularly in the United States.Even more so, the emphasis of honoring a Black History Month must be placed far above President Barrack Obama’s assumption of the presidency of the United States as the first African American to do so. Although a well-orchestrated “million-man” march on Washington in 1963 marked a pivotal point in the black man’s liberation struggles, it does not nearly define the essence of observing a full month of black history as an end in itself.It is common knowledge that the Civil Rights Movement of the 1960s headed by the late Rev. Dr. Martin Luther King, Jr. was at the height of the black liberation struggles. As significant as this historical event may seem, it was but a part of the global picture of the black man’s struggles for freedom.Therefore, it must never be seen as a cut-off point where the battle for ‘equal rights for all’ ended. It goes without saying that to assume so would equal to a presumption that with the passing of the Civil Rights Act, the struggles for equal rights and justice was over for all people of color. The truth is that to this day, there remain many more challenges for descendants of freed slaves. Lest I be misunderstood, this is not to argue that the achievements of Dr. King and the likes of him do not hold very significant place in the annals of black history. They certainly do, to say the least.My concern here, however, is about perception, especially on the part of those who were (and still are) direct beneficiaries of the resulting effects of those great movements and concepts. Take (for example) in contemporary America, how does the average African American relate all of his rights guaranteed under the Constitution of the United States to an opportunity for success? How does the average African American utilize his god-given ability to learn and sharply compete in a world plagued by rivalries and fierce competition? How do the legacy of Dr. King & the Civil Rights Movement on the one hand and the legacy of Dr. Carter D. Woodson & Black History Month on the other, influence the ambitions of black people to attain formal education and other technical skills? What necessary measures are needed by descendants of free slaves that will ultimately gravitate them to better paying jobs and other luxuries of life? Working towards conclusive answers to these inquiries will go a long way in making Black History Month the single most proficient way to immortalize all liberation movements that fought to attain equal rights and justice for all people. Besides accentuating a commitment to perpetually keep alive the legacies of Dr. Carter D. Woodson, Activist Frederick Douglas, Dr. Martin Luther King, Jr. and many others, this will ultimately keep their heavenly spirits in absolute balance and unending joy and happiness!Black HistoryIt is in this respect that I strongly believe that in paraphrasing the history of black liberation during programs marking the observance of Black History Month, the story must be told as accurately as possible by, at least, highlighting significant details. As the old adage says, “that which is not done legally, is not done at all”. In much the same way, a history not completely retold is, at best, a history not told at all! More often than not, stories after stories of great black heroes in nearly every aspect of American and world history are told each year as we observe Black History Month. Interestingly, mentions are never made of the significant transition from slavery to freedom and the subsequent demonstration by the early freed men to self-govern.A case in point here is the display of magnificent skills and bravery by a handful of the emancipated slaves who, using their god-given talents, institutionalized a nation state and subsequently declared a free and independent state nearly a hundred and sixty-five years ago. In consequence of the repeated failures of keynote speakers at Black History Month celebrations to dwell on the single most important achievement of blacks, the number one success story of those noble men and women are hardly bought into the spotlight. It is appalling that at programs commemorating Black History Month, we repeatedly hear of a few great black inventors, singers and the likes but black political geniuses who founded and declared political independence of a sovereign black state as early as the mid 19th century are never mentioned for once. I am uncertain of what the opinion of my readers might be on this, but I sturdily feel that the quest and subsequent attainment of political independence for an all-black republic nearly two hundred years ago, supersede all other achievements in all black history. I stand corrected!The gravity of this arduous achievement may be better understood when one considers, for example, the establishment of the first Negro Republic of Liberia in the first half of the 19th century (J. Horton & L. Horton, Slavery And The Making of America, 95). Following this remarkable achievement,it took more than a hundred years for the first set of black nations on the continent of Africa to gain political independence from their European white colonial masters. Here in the United States, it took unreasonably longer before the first civil rights act was singed into law. Ultimately, when it came to the pursue of happiness and the right to liberty for the early black man, what more could be more fulfilling than the right to self-governance? Regrettably, emancipation accounts are repeatedly narrated during these great black national events far short of this indisputable account.

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I hesitate not to argue further that this (outright) failure by renowned speakers during Black History festivities to make mention of The Declaration of Independence of a free & sovereign black state on the West Coast of Africa by emancipated slaves is like an attempt by a serpent to move past its head. What this does invariably is making an attempt similar to presenting a specialized profile of a region without reference to the inhabitants of that region. What other achievements could be greater than the attainment of political independence for a people held in bondage for hundreds of years? Just as they remained fully cognizant that generations after generations of their ancestors were held in oppression for nearly three centuries in the Americas, many of these black heroes got first-hand experienced of slavery as well. Pursuant to their personal experiences of the greatest human tragedy in all of history, the freed men never took for granted the right to freedom and the pursuit of happiness.It is out of this concern that as America observes Black History Month each February, I wish to bring into focus an often ignored (but the single most significant) achievement of the black man in the post emancipation era. I have spent a number of years working in public related institutions where the observance of Black History Month is taken seriously each year. Institutions and individuals at all levels in society often attend programs commemorating these events. Many invitees at these functions participate in activities ranging from singing church spirituals to celebrities performing popular stage shows. Often, top academia are called to present “professional” research papers on various topics in black history. It is astonishingly disgusting to note that even at such well organized and intellectual events, the attainment of self-governance by free black slaves are never indicated, much less discussed. Until the meaning of Black History Month fully encompasses the single most significant achievement of freed slaves, the salinity of the observance itself will remain far-fetched.The more I ponder over the inept approaches used by heirs of those great black heroes and the failure to duly memorialize their ancestors, the greater I sense some irresistible urge to bring into the spotlight the forgotten link between Black History Month and the early successes of people of color in their fight for equal rights and self-governance. Overall, the first and foremost agenda item for those black pioneers was a genuine quest for self-governance and the pursuit of happiness that would include the right to freedom and justice. By way of emphasis, I reiterate here again that it is important that the history of the African American is not told until someone forcefully and truly tells the entire story. While the intent of this brief article is not to retell black history, I shall endeavor to speak briefly to the necessity of bridging a significant link (long broken & forgotten) between Black History Month and Liberia, the first black republic.As I do so, some efforts will be made to expound on the extended determination for freedom by an oppressed people and the glaring similarities between the former and the latter. To enhance this review, let us slip back into history for a short while.The oldest recorded history of what is known today as Black History Month dates back to 1915 when one Dr. Carter D. Woodson and Rev. Jesse E. Moorland co-founded the Association for the Study of Negro Life and History, acronym ASNLH (biography.com/blackhistory: 1/20/2011). Primarily, the objective of the Association was to research and bring awareness to the ignored but important and crucial role blacks played not only in American but also in world history. In just one year, Woodson published his findings in the Journal of Negro History. The intent of that publication was to cast out all misconceptions about the Negro. Additionally, it attempted to educate black people about their cultural background and to instill in them some pride in their race.Carter Woodson himself, who was the second black man to receive a degree from Harvard University, was the son of a former slave. He understood the importance of education and advocated the preservation of one’s heritage. A fraternity group called PSI Phil created Negro History & Literature Week at Woodson’s request in 1920. In just six years later (1926), Woodson changed the name to Negro History Week. He then selected the month of February primarily to honor two men whose actions radically (but positively) changed the future of all (black) Americans. The one was President Abraham Lincoln, born on February 12, who issued the Emancipation Proclamation and the other was Frederick Douglas who was born February 14. Douglas, too, was a tireless advocate to end slavery.Woodson and the Association for the Study of Negro Life and History, provided learning materials to teachers, black history clubs, and the larger community. In 1950, Dr. Woodson died but his legacy continued as cities and organizations through out the country adopted the celebration of Negro History Week. During the Civil Rights Movements of the 1950s and the 1960s, the observation of the week gained prominence as the focus turned more and more on the significance of black cultures (biography.com/blackhistory: 1/20/2011).This, in effect, moved the Association for the Study of Negro Life and History (ASNLH) to change Negro History Week to Black History Week. The ASNLH is now called the Association for the Study of African American Life and History (ASAALH). The week was extended in 1976 to a one-month long observance.It is little wonder, therefore, that today Black History Month is celebrated through out the United States by not only school kids, but also by everyone in the USA including teachers & university professors, doctors, lawyers, paraprofessionals, economists, politicians, men, women and everyone in between.When President Abraham Lincoln signed into law the Emancipation Proclamation on January 1, 1863 (J. Horton & E. Horton, 187), major revolutionary changes ensued which brought some level of freedom and sanity to enslaved Africans for the first time in over two hundred years. However in the decades following, the freed men were left with daunting challenges including the need for food, adequate shelter & clothing, and (perhaps more importantly) the natural urgings for self-governance.The Founding of Liberia: “Land of the Free”I was born and raised in Liberia; a small West African country with a population of under four million people. As a child, I attended public school where I learned first to write and then speak English under American English instructors. All through grade and junior high school, my instructors were American volunteered teachers (Peace Corps) who were exceptionally inspirational and who proved to be true fountain of knowledge for kids of my age. We learned to write and (tried) to speak the American version of English as opposed to the British style. We were taught the American way of doing arithmetic. We studied American literature and read great American folktales such as those of Paul Bunyan and Gulliver’s Travel. In grade school, we learned and recited the four seasons and other climatic conditions of the United States. Exclusively, we used American textbooks and learned a great deal of everything American, though we were not American children.Outside of our academic milieu, we again tried to do everything American, from soul music to soul limbo on the dance floor, for instance. When we honored calls from our teachers to perform a chore after school at a teacher’s house or when we were asked simply to complete a special assignment, we were always given something to eat or drink as some form of positive re-enforcement.In a way, this helped us as kids to acknowledge American generosity. At grade school level and with limited English vocabulary, these gestures gravitated us to our American tutors and allowed a bond of relationship that did not exist between some of my peers and their biological parents. Some children my age and some older kids went the extra mile and dressed the American way as they spent their last dollar (allowance) to purchase fancy baggy pants and go-go shoes. With the passage of time and as we became little more fluent at speaking and writing English, the bonds of teacher-student relationships between our American teachers and some socially ambitious students became stronger. Our utopian view of America broadened as we grew older. A substantial number of these kids later married to their former instructors who now live happily as couples in the US today.I have deliberately drawn my childhood experience into this discourse simply to draw attention to the conspicuous similarity between the cultures of Liberia, the first black independent state, and the people of the United States as viewed from the perspective of the African American community. Prior to the overthrow of government in 1980, the official currency of the Republic of Liberia was the United States dollar. This reality is rooted deeply in the fact that Liberia was founded by former slaves who shunned mediocrity and rose above pettiness to establish a sovereign state. Since independence in 1847, nineteen of Liberia’s twenty-two presidents were emigrants who were sons and grand sons of former slaves from the United States. As a nation state, Liberia has played and continues to play pivotal role in international relations. As a founding member of the United Nations and the Organization of African Unity (now the African Union), Liberia helped champion the liberation struggles of many former European colonies in all of Africa.If part or all of the essence of observing Black History Month, therefore, is to be interpreted to mean honoring the achievements of a segment of God’s creation who were held in bondage for centuries, then why has Black History Month been so distinctly unable to link to Liberia as a shining example of black achievements? If Liberia, in the history of humankind, was the torchbearer of black freedom, independence, and self-governance, then why do planners at Black History Month festivities pay death ears and play blind eyes to the crucial relationship between two sisterly establishments that are so culturally interwoven?According to Dr. Carter Woodson, co-founder of Black History Month, the number one goal of observing black history is to bring awareness to the crucial roles blacks played in both American and world history. Incidentally, a major part of such roles was played decades earlier by the establishment of the first Negro republic. Hence, if the organic laws of Liberia have anything to do with proclaiming equal rights and justice for people of color everywhere, as they certainly do, then the ASAALH as parent organization of Black History Month Festivities, must step up to this challenge by calling a spade a spade. Let each annual observance of Black History Month include public proclamation about the founding of Liberia (Land of Liberty) as the first significant step of the Blackman’s march to freedom and equality. It is not enough to argue, as some may be tempted to, that because Liberia is not a part or territory of the United States, due credits for successes of the black liberation struggles should not be extended thereto. Under whatever canopy, such argument would not hold air because, as indicated supra, the first written account of self-governance by a group of blacks was that occasioned by the establishment of Liberia, a nation founded by former slaves from the United States. I am strongly convinced that the resolve of an oppressed people to meander their way out of slavery and established a constitutional democracy is a milestone worth emulating, even so at all commemorations of Black History Month. In essence, when it comes to the political achievements of black ancestors, there must be no boundaries even as to politics, economics or other non-political occurrences.

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Now let us return to the brief review of the establishment of Liberia as the first black independent nation founded solely by African Americans with support from the American Colonization Society, ACS. The ACS was co-founded by Henry Clay, John Randolph and Richard Bland Lee and officially established in Washington D.C. on December 16, 1826. This was nearly fifty years before slavery was outlawed in the United States. According to Wikipedia, the ACS was principally founded as a vehicle to support the return of black people to what was considered “greater freedom” in Africa. With support from prominent activists including Paul Cuffe, a mixed race and a wealthy New England ship owner, the ACS received support from many black leaders and members of congress for an emigration plan. “Under the protection of Captain Paul Cuffe and his crew of seven, eight adults and twenty children crammed aboard the seventy-foot brig headed for their new homesteads” (Paul Cuffe, Black Entrepreneur and Pan-Africanist, Thomas 101). From 1811 to 1816, Cuffe financed and captained successful voyages to Africa. Between 1820 and 1822, the ACS in conjunction with prominent black leaders and activists, founded the nation of Liberia with the sole purpose of repatriating from the United States all freed men of color. Eventually, the dreams of Entrepreneur Cuffe became a reality (Thomas 119).Superficially, the role of the American Colonization Society in the repatriation efforts of Africans appeared genuine with a purported claim of giving black people the opportunity to live “fuller lives” in Africa. However, as it played out, no sooner did it become evident that nearly all of the advocates for the repatriation of blacks who participated in the resettlement arguments did so for motives far unrelated to genuine concerns for the black man’s right to life and liberty. For example, the American Colonization Society and the Quakers or various Christian leaders who supported the abolition of slavery in collaboration with ordinary slaveholders, saw the resettlement of freed slaves to Africa primarily as the safest way to abort perceived threats from free blacks to the (American) society. Although members of the ACS officially denounced slavery in all its form, many were openly racists as they argued that blacks would be unable to fit into the white society of America.As we observe Black History each year, it is important that we soberly reflect on the colossal controversies in history that have attended the denial of the rights of the black man to live freely, independently and happily. Unlike the Civil Rights Movement of the 1950s and the 1960s, the resettlement efforts in the pre-revolutionary civil war era resulted from a variety of motives. As mentioned above, many slaveholders and some abolitionists held strong views that blacks could not achieve equality in the United States, no matter what. In addition, there were those who became progressively more apprehensive that increasing number of free black slaves would eventually encourage slave revolts, while others out-rightly perceived the Black man as a burden to society and a threat to white workers because they (black) were paid much lower wages. As above mentioned, some members of the ACS who denounced slavery in all its form, were openly racists. They, too, argued likewise.In consequence of these pathetic accounts in the archives of black history, it is my fervent opinion that the concluding paragraph of this article calls into focus the broken & forgotten link between the Association for the Study of African American Life and History (ASAALH) and Black History Month on the one hand, and the Republic of Liberia on the other. Besides being a torchbearer of freedom for people of color, the Republic of Liberia was founded for and by African Americans nearly two hundred years ago. When Dr. Carter Woodson and Rev Jesse E. Moorland co-founded the Association for the Study of Negro Life and History back in 1915, they did so to spotlight the many roles black people played in the world that were often ignored or never referenced. In black history, therefore, Liberia was the first symbol of black freedom and independence and if Black History Month annually recollects eminent black achievements in history, then the former and the latter are closely related. They both exemplify the success stories of all black people. The two are directly related. Link them!The End

Budget Travel and Hotel Considerations – Travel Industry Making Changes To Compete For Consumers

October 20, 2016

If you are like most Americans, you having difficulty saving money while prices are rapidly increasing; things like college tuition, food and fuel. So, when it comes to traveling you are looking to shave off costs and find ways to travel on a budget, and well, no one can blame you for that. What you may not be aware of or have not considered is that in the travel business; everything from airlines and rent-a-cars to tourist destinations and hotels are trying to find better ways to accommodate the budget traveler.

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For instance, many airlines have had their fuel prices boosted to record costs and many family budget and business travel hotels are making changes in management and in their operations. Recently, Choice Hotels named a new COO and President; Stephen P. Joyce, 48. Additionally they named a new Executive VP of Global Branding. Why, because they know that they must hold their American clientele and find ways to cut costs, while still attracting their overseas travelers who are paying in high valued currencies.There are many ways to cut costs in traveling and staying on a budget and hotels, rental car agencies and airlines are working very hard to compete for fewer travelers with fewer dollars, while still retaining a profit. Easier said than done, especially when jet fuel has almost tripled in cost since 2000 and recently the number of families traveling on vacation is being cut by a good 35% this summer, all due to cash strapped consumers, credit crisis and outrageous fuel costs. Airline Industry analysts are predicting one or maybe two major airlines filing bankruptcy in 2009 and some hotel chains have pulled back construction of new hotels in many locations.

Developing Original Humor for Your Talk

September 22, 2016

Most humor in the business setting is unplanned. It just happens. Spontaneous events with clients and co-workers create the surprises and uncomfortable situations which call for humor as a coping tool.We all have differing abilities to recognize, appreciate and create humor. How’s your HQ (humor quotient)? Do you work with people who are full of wit?Regardless of where you are now, you can increase your humor skills. When you study humor, it’s obvious there’s more to it than just spontaneous laughs. There are times when you may want to deliberately use humor, maybe even plan it in advance.Perhaps you want to spice up a training session or a planning meeting. Maybe you want to lighten up a sales presentation. You can learn ways to administer a dose of laughter to help you connect and communicate.There are three elements which can help you understand and structure your humor: surprise, tension and relationships.
First, humor is based on the element of surprise. Humor often comes from something as simple as someone saying the unexpected. The surprise twist creates the humor.Because of the element of surprise, when we are deliberately structuring a piece of humor (perhaps for a speech) we don’t want to telegraph the joke. A line like, “a funny thing happened to me on the way over here,” signals your listeners that a joke is coming. This will lessen the element of surprise.To enhance the surprise, it’s best to place the punch line at the end of the joke. And within the punch line, the punch word is usually given last. The punch word is the word that makes the humor work. It’s the trigger that releases the surprise.If your humor falls flat, do what professional humorists do. Pretend you are serious. Since the listeners didn’t realize you were making a joke, you never need to apologize or explain it. Turn your surprise into a secret.

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It’s no surprise to people who work in pressure-packed work environments that humor is also based on this second principle: release of tension. Laughter is a pressure valve which releases muscle tension. Uncomfortable situations, fear and pain are all tension builders that cry out for humor. We find ourselves laughing at risqué humor and embarrassing situations because they make us uncomfortable. We release the tension they create with humor.People who intentionally and frequently use humor know tension can be used deliberately to heighten the impact of the humor. A pause placed just before the punch line or the punch word builds a sense of anticipation, a form of tension, which makes the joke stronger.In most jobs, daily challenges give you the opportunity to purposely use tension in setting up your humor. Simply by sharing a real life humorous situation, you can recreate the spontaneous circumstances which generated the laughter in the first place. Although there’s nothing like “being there,” you can improve on the actual event by embellishing to create a little more tension in the set up. You can structure the punch line for maximum effect by putting the punch word last. And you can pause to add impact.As we plan our humor, we also notice that the third principle of humor is relationships. Most humor is based on how things are related and not related. We can create humorous twists when we play with relationships.Gary Larson’s Far Side cartoons are well known for twisting relationships. One of his frequent tools is giving animals human characteristics. For example, the cartoon shows a car driving down the road. Driving the car is a bull. Sitting next to the bull is a cow. And in the back seat is a calf. They’re driving past a field with humans standing in the pasture. The picture, by itself, creates a funny picture by twisting the normally expected relationships. The calf sticks his head out of the car window and says “Yakity, Yakity, Yak!”Understanding the principle of relationships, you are able to create your own, original humor. You can create “shopping lists” from which you search for humorous connections.Let’s say you had an idea for building some humor. We’ll call this idea a seed from which the humor can grow. Perhaps, on a difficult shift at a hospital, someone made a comment that working in a hospital was like working in a war zone. This is the starting point for developing some humor.You’ll begin by creating two “shopping lists.” On one list you’ll put “hospital things.” And on the other, you’ll list “military things.” It will work better if you choose “military” rather than “war zone” because it’s a broader category which will give you more options when looking for relationships.Your first step is to brainstorm by making the lists as long a possible. The more items you have on each list, the more likely you’ll be able to make some humorous connections.As you make your lists, you’ll look for opportunities to branch out and create sublists to multiply your chances of finding humor. For example, if the idea “basic training” comes to mind, your sublist should contain everything you can think of relating to basic training: drill sergeants, marching, inspections.The next step is to search for connections between your two lists which might lead you to humor. Play with it. Then set it aside and come back to it later. Once you find something with humorous possibilities, you’ll massage it to maximize the humor impact.

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To see what this exercise might produce:”Why a Hospital is Like the Military.”1. In the military, soldiers take orders from people with silver and gold on their shoulders. In a hospital, nurses take orders from people with silver and gold in their wallets.2. When discharged from the hospital after a Lower GI Series, you get the GI bill.3.,Nurses, like soldiers, see a lot of privates.4.mWhen filling out a hospital shift report, you sometimes resort to the policy of “Don’t ask, don’t tell.”5. Nurse training is like boot camp. Never before had you seen so many bald body parts.6. In the military, a fatigue is what you wear. In nursing, it’s what wears on you.7. Soldiers get combat pay. Nurses don’t…but should.Whether you’re creating a list or a slogan to go on a poster, looking for a monologue to open a speech or training session, or just searching for one joke to make a point, you can use these lists to create your humor. It works.These three principles of humor are illustrated by the classic slip on the banana peel. The slapstick spill illustrates surprise because we weren’t expecting someone to fall. We also experience tension. When we see someone get hurt we get startled, and react with tension. It also twists relationships. Seeing a distinguished person sitting on the sidewalk is something our of the ordinary. Surprise, tension, relationships…we laugh!Natural, spontaneous humor is one of your greatest tools for coping with stress as you work. By understanding what makes the humor tick, you can become better at planning and deliberately using this powerful adjunct to your success arsenal.

Opting Efficient Computer Repair Services

August 17, 2016

With the development of internet, world has become a compact place to live in. Computer has become so indispensable for us that the concept of life is now incomplete without it. It is the most sophisticated machine with least reliability as you might never know when it could incur a problem. It has now become necessity almost in fields of life. No matter, you are a teacher, student, business person or an employee, you need to use computer in some respect. Where internet has transformed the world into a global village, on the other hand it has also affected the security of computer systems. The risk of technical faults has drastically increased with the threats of Trojans, worms and spywares. You never know when, with a downloaded file, the Trojan may enter in your computer and destroy the whole system. To cope up with these threats, you need a computer repair service provider that can help you in the hour of need.

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Being the third richest state of America, New Jersey has to invest more on computer repair services. Just the diagnostic charges are from minimum $35 to maximum $140. Apart from prices, the computer repair services offer high technology diagnostic and repairing facilities. New Jersey computer repair services offer solutions for the removal of viruses, server repairing, inhibiting file sharing, windows troubleshooting and data recovery. It also offers installing facilities like software installation, DSL modem and router installation, laptop and server installations etc. Moreover, virus prevention, workstation data transfer, network configuration and desktop installations are also offered.New Jersey computer repair services provide facility of both on-site and off-site repairing. In on-site repairing, the service provider sends its workers on site and repairs the computer at your place. This facility is mostly required for wired PCs and workstations. In off-site repairing, they take your PC with them and after repairing bring it back and affix it at its place. Now, the decision depends upon your trust on the service provider. If the repairing requires 5 to 6 hours and the faulty computer belongs to your office then it would be better to send the computer to company but if it isn’t the case then you should prefer on-site repairing.If you know how to maintain your computer, you may not need any repair soon. Firstly, you need to follow some tips in order to save your computer from damage. You should have registered antivirus, must take frequent backups of your data and if you have accidentally lost your data, consult with some professional so that the data can be restored.

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Now, the question arises how to find a deft technician in New Jersey who would also charge reasonably. For it, you should consult with your friends and family first. You should also consult Better Business Bureau, read online reviews of people about New Jersey computer repair service providers, call them to ask about their fees and then compare overall costs. Select the best option with fine services in fewer expenses.Some companies in New Jersey also offer additional free services along with the required one such as virus and spyware scan and removal, removal of unnecessary files and folders that slow down your system, and back-up of all data.. Keep these details in mind while looking for a computer repair service in New Jersey in order to get the best service at exorbitant rates.

Web Hosting – A Guide for Beginners

August 12, 2016

So you’re looking to learn about web hosting and what it has to offer or you may not know much about web hosting? There is no shame in not knowing this information. Everyone has to start at the beginning at some point. On that note, lets begin learning about web hosting.First off, what is web hosting and how does it work?Web hosting is the business practice of providing space and bandwidth on a high-powered computer server that is connected to the Internet at very high speeds. Hosting companies maintain large networks of high-powered web server computers in a physical location known as a data center. These computer servers are connected to a very fast, and generally redundant, Internet connection. The data centers have primary and backup power, a fast connection to the Internet, and a security monitoring staff.The web hosting companies provide a share of disk space and available bandwidth to a customer for a monthly fee. Once the customer is signed up, they can upload files to their personal space on the web server and the information is then viewable to anyone interested on the Internet. The monthly fee the web hosting company charges is much less than what it would cost to run a server out of your own home or data center. This is the reason these companies exist. They take care of all the hardware, software, and other technical needs for you.Types of web hostingThere are many different types of web hosting offers, but the main three are shared, reseller, and dedicated. Each type of hosting is for a different purpose.Shared Web HostingShared web hosting is the most popular form of hosting. Shared hosting is a portion of disk space and bandwidth provided to you by the web hosting company on a high-powered server. There are many other web sites hosted on this server, and the hosting company is likely to have quite a few of these servers in a large data center. The resources of the server are shared by as many other websites as are allocated to that computer.Shared web hosting is the best form of web hosting if you are looking for a great price and don’t have more than a couple thousand daily visitors to your site.Reseller Web HostingReseller web hosting is a popular, low-cost solution to starting your own web hosting business. There are two types of reseller hosting, private-label and a reseller of services.The private-label is the best type of reseller plan because it allows you to retain full control over your customer’s websites. A private-label plan allows the reseller to keep the full monthly payment of the web-hosting customer, but the reseller must pay a monthly fee to the larger hosting company for the reseller space. The more hosting accounts a private-label reseller can sell, the higher the profit for them. Private-label hosting allows you to host many more websites than if you were using shared hosting for each. This is a great solution for someone who has many sites they need to host in one location to save money.

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The reseller of services plans resell the regular web hosting plans of a larger web hosting company, but you get a discounted price for providing the customer and earn a monthly fee for as long as they remain a customer. This plan does not allow control over customer web sites and you only keep a portion of the potentially monthly revenue.Dedicated Web HostingDedicated web hosting is the most powerful and cost effective solution of hosting a busy web site without resorting to buying your own equipment and paying hundreds of dollars per month for a fast Internet connection. Dedicated hosting consists of single server with no one else hosting on that computer. This allows for the greatest of configuration options. Anyone who has a busy website will find dedicated hosting is the necessary choice.Web Hosting ConsiderationsWondering about all the other information listed in web hosting plans? In this section, I will explain the most important considerations in choosing a good web host.PriceThe price of web hosting services is one of the most important. There are many hosting companies out there with cheap hosting packages, but they may be lacking in other areas. Don’t let the price of a hosting package fool you. There are some hosting companies out there who have great prices and the other features are just as good. Price may be one of the most important decisions of a web hosting plan, but there is much more to consider in choosing a quality web host.Disk Space / Storage SpaceDisk space is the amount of physical storage space a web host gives to you to store your web files. Hosting companies these days have plans with disk space being measured mostly in terms of gigabytes, but some are still offering plans in the megabytes for storage space. Depending on your needs for file storage space, you may need more or less. Generally the more disk space offered, the better.Bandwidth / Data TransferThe amount of bandwidth available can make a big difference in choosing a quality hosting plan. In general, the more bandwidth a hosting company makes available to you, the better. This means you can support more traffic to your web site as your business grows. Be wary of web hosting companies that offer unlimited or unmetered bandwidth. While many of these are legitimate offers, there are some out there who are overselling their bandwidth in hopes the average user won’t use much.Customer SupportIn any business, it is very important to provide exception customer service. Web hosting is no exception to this. Many of the hosting companies are available all day and night in case you have a problem with your web site, but there are some who are just available specific hours of the day. If your web site goes down in the middle of the night when they’re not available, this means lost revenue for a business. You should make sure the web host you select is always available for support.Money Back GuaranteeMost web hosting companies will provide a thirty-day money back guarantee. Some will provide one even long, but be wary of the ones who offer no money back guarantee. I would not purchase web hosting services from a company who does not offer at least a 30 day money back guarantee, unless they have proven themselves to be a leader in the industry and have an excellent reputation.Operating SystemAn operating system is a piece of software that controls the interaction between the computer user and the physical hardware of the machine. A vast majority of all web sites on the Internet run on the Linux operation system. Linux is generally much more stable than Windows. Stability is critical in running a web site. For this reason, I prefer to host my web sites on the Linux operating system. Some sites have specific requirements that only the Windows operating system can satisfy, but there are always alternatives to those requirements.BackupA good web hosting company will have a regular schedule to backup the data on all the web servers. The more often the data is backed up, the better. At the very least, a web hosting company should backup web site files daily.Control PanelThe control panel is the point of contact the web site administrator will have between the host server and their own machine connected via the Internet. It is essential to have a well organized and easy to use control panel interface. My favorite control panel is cPanel, which is one of the leading web hosting control panels out there today. Plesk is another good one, and many companies will create their own control panel for you to use. Most web hosting companies will provide a link to a demo of the control panel they use with their hosting plans. The control panel used is a matter of preference, but it should be user friendly.EmailEmail is essential part of communication on the Internet. Most web hosting companies out there will give you more email addresses and more space to hold email messages than you will ever need. What you need to watch out for is the companies that have decided to be a little strict on their email accounts and only offer a small number or a small amount of message space.UptimeUptime is a term used to describe how often the average web site hosted by a company is available online. No company should be expected to provide an exact 100% uptime. This is impossible due to things such as hardware, software, and power failures. A vast majority of the companies are very good with uptime, and they guarantee it. It is still a good idea to be conscious of the uptimes posted by the company. If it is not at least 99.5%, it is probably not worth hosting with that company.

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StatisticsAs a webmaster, it is nice to know how many visitors you’ve had, where they came from, how long they stay on your site, and how much bandwidth they’ve used. This information is collected by the web server and is placed in a log file. A statistics software package can read this data and provide meaningful information to the webmaster. The information gathered from these logs can be very valuable in improved services to the viewers of the web site.FTPFTP stands for file transfer protocol. It is a way of quickly uploading or downloading many files to and from a web server. Most web hosting companies will allow their customers access to their web hosting accounts via FTP. FTP is very useful and is a great feature to have when paying for a web hosting account.ScriptingSince the World Wide Web began, many scripting languages have been created and have evolved into the dynamic and interactive environment we enjoy today. A scripting language is a way of adding functionality to a web site, whether it be to calculate numbers or to load information from an external database. Scripting languages have made electronic commerce possible. Some of these languages include PHP, ASP, JSP, Coldfusion, VBscript, Javascript, and Perl. I won’t go into the details of these in this article for the sake of complexity. If you know how to use these languages, you should know what to look for in a web server for them.DatabasesA database is a place to store data that can be used in a large variety of ways. Databases are used on the Internet for applications such as shopping carts, message boards, and product catalogues. The more databases the web hosting provider allows you to create, the most applications you can deploy on your web server. Databases are used by the more advanced web master, but information is freely available online should you be interested.ConclusionsWeb hosting can be a very difficult decision with the many thousands of hosting companies out there. It is critical to find a plan that fits your needs and to have a good hosting company. I hope this article was useful in making your decision about which company to host with. Happy Hosting!

Different Types Of Data Communication Media

August 21, 2016

The process in which data is transferred from one computer to another is known as communication media. Data communication involves transmission of digital of information to different electronic devices through wireless or cabled connections. The two commonly used computer communication media used are bounded and unbounded media.A. Bound MediaData transfer through physical connections is referred to as bounded media in that signals are sent to other external devices from one computer in a network. Computers can be interconnected to share files and devices in a network by means of cabling which facilitates faster communication of information. Bounded media is a faster data communication that provides high speed transfer of signals over long distances and is the most reliable media for message sending.Bounded media is categorized into three types of data communication which enables connection of different types of network. These cables include:

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1. Coaxial cableThis is most common bounded media that is many electronics to transfer data and it is designed with two parallel copper conductors. It has a solid central copper conductor that transmits signal and is coated with a protective cover to reduce electromagnetic interference. Coaxial cable is found in different gauges at affordable prices and is easier to work with. They are easy to install and can support up to 10Mps capacity with medium attenuation. Despite its popularity, the only serious drawback it has is that the entire network is always affected with a single cable failure.2. Twisted pair cableTwisted pair cables are found in two types and these include unshielded and shielded twisted pair cables. It is commonly used because it is lighter and inexpensive. They are made up of twisted solid copper wires which help to reduce vulnerability to EMI and cross talk effects. This type of cables is cheaper and can support up to 100mps speed capacity.3. Fiber opticUnlike other types of cables, fiber optic uses electrical signals for communication and is made up of reflective cladding that prevents loss of light in the glass core. Although it very expensive and hard to install, optic cables can support at least 2gbps and are not vulnerable to EMI interference. It has got also very fast data transmission and very low attenuation compared to other data cables.B. Unbounded mediaThis type of data communication media involves networking of multiple computers through a wireless connection. Creating a wireless connection is much easier since no physical connection is required and can connect multiple computers in a room. Unbounded media uses space or air as the transmission medium for electronic waves. Some of the unbounded media are the satellites, radio, Bluetooth and Wi-Fi among others. Installation of wireless network is much easier and faster compared to the bounded media which require an expert to do the configuration. Through wireless settings, you can also transfer huge files of data to any networked computer since the unbounded media supports very high bandwidths just like the cabled network.

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Generally, in order to transmit data over networked computers, you will have to use either bounded or unbounded types of media. Depending on the type of network you want to create, convenient type of media is required to enable consisted and proper data communication.