2014年6月30日 星期一

The Second Industrial Revolution - The Technological Revolution - Other

Our forefathers must have never fathomed that their children would live up to see a time of iPhones and iPads! What to say of them? Some two decades ago, even we didn't know that we would live up to see such a technological advancement as this! Virtually speaking, all of us are surrounded by gadgets and gizmos. Technology has in fact taken a BIG leap and for techno freaks it is very important to stay abreast with latest technology news. A new technological genius is showing up every single day from God knows where and for that mankind deserves kudos indeed!The technological scenario seems to remain abuzz with activity all throughout no matter what. Technological advancements are developing at a breakthrough speed and as such technology news remains entangled in unbounded bustle always. Techno buffs sit glued to their PCs (or should we say iPads) for any new application or up-gradation or technical advancement. They love to hunt for online technology news so that they may w ork on it accordingly. The number of such heavy-duty techno loyalists extends to many a countless millions!Beginning with mobile phone news, whether it is the new Android 3.0 (titled Gingerbread) or the latest Motorola DROID 2, the mobile platform also keeps buzzing with activity. Mobile developers are working their sweat off to develop breakthrough mobile applications to enhance the device's functionality. There are innumerable websites that help a person to track technology related news and there are over a million people across the globe who follow these sites religiously. With the range of iPhone accessories and iPod accessories available out there, it is somewhat irresistible to not upgrade one's phone. After all there are so many options that people may use to play around with their phones. It seems smartphones are getting smarter by the day! These multitasking gadgets are adding a new feather to their cap almost every day, the reader would agree to this one.Computers and cameras are also not unaffected by the giant technological leap. These two highly functional gadgets have evolved to a great extent down the line. The World Wide Web is chock-a-bloc with such intuitive websites that provide Latest Camera News and Computer Hardware News. With latest PC tablets, pocket PCs and mini net-books, one wonders where technology would ultimately take a halt! These ultra fast high performance laptops are a big office in themselves! The story is no different for cameras. Once assumed to be sheer 'Moment Capturing' device, cameras have developed themselves into super effective gizmos. From long zoom cameras to tough digital ones, cameras have indeed come a long way!Talking about home theatre, these high definition plasma screens have changed the entire movie watching experience. The idea of getting a home theatre set up may sound to be a costly endeavor initially but subsequently it proves to be worth installing. Internet is replete with such sources wherefrom the people may grab some latest home theater news. So, there are unlimited sources to catch hold of some juicy technological news.Log on for more information on latest technology news and online technology news!!





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2014年6月29日 星期日

The Best Directory Ever: Technology Directory - Advertising - Online Advertising

In this age of information technology, people of all age group have to rely on information technology and internet in some way or the other. In fact, our life and work have been made so easy and comfortable. In every home, school or work places, things are run with the help of internet and the world as a whole has been all of a sudden become so connected and alive. Time and again, there has been new innovations and inventions going on, that too, on a very fast pace. And, we the users as well as the makers of technology like to get news and information about them. In other words, we often go to the directories which are available online to search and seek the related information.

Information technology directory, as all know, is an online information technology info and service which includes many things such as internet, networking, data format, software, programming and development, training etc. So it becomes so easy for a person to seek any kind of information he/she wants at the click of the mouse. Here, all the latest information and materials are updated and well organized that the user may be able to find out the relevant data in the easiest possible manner. Since it is available online, so people all across the globe can access to the data. For those who are directly working in the IT sector, it is a boon. Not only have they, in fact, we all needed all these information on IT from time to time and also according to our profession.

These days schools are conducting audio-visual classes with the help of internet; many institutes and colleges are providing online classes; and, last but not the least, the various organizations and departments have developed their own websites. All these comprise a great bulk of the internet and their names and information are listed on these online directories. The so called technology directory deals with all kinds of things related with technology and make them available online. Whereas, the computers directory also serves similar kind of function as we normally see on computer and all the data and information after being collected from every nook and corner of the world and are compiled together to make them into online IT directory.

Thus we could see a sea change in the way we humans retrieve information. Gone are the days when we used to spend hours and days from unreliable sources to get any sort of information. But now, everything is there at the click of the mouse with the coming of information technology directory.





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2014年6月28日 星期六

Live Coverage of World News - Society - Causes

This is the era of mass communication and journalism. Wherever we glance through we just find the bulk of news around us. Thousands of newspapers as well as online news agencies are launching their own news about the contemporary happenings of the world every day. When it comes to news, it is a liner which is comprised of any important event, activity or happening of the global world. Generally news can be consisted of any types such as social, economic, political, art, cultural, terrorism, suicides, religious, health, technology, science, business, marketing, and disaster news. More importantly, a live coverage is given to the world news frequently.

In essence, there are plenty of renowned world news agencies and sites out there which are uniquely known as Sky news, BBC world news, Canadian news, ABC news, Reuter's news, CNN world news, GEO news, India news, Austrian news, African news, Fox news, Yahoo news, CNN headline news, and many more. The most wonderful aspect about them is that they have been truly merged into the categories of world news. That is why there are plenty of world news categories out there which are undoubtedly known as health news, business news, technology news, science news, sports news, economics news, traveling news, marketing news, internet marketing news, mobile phone news, and many more.

Truly speaking, world news is given a live coverage both at live TV channels as well as online. Several news reports, writers, and analysts play a vital role in the creation of global news undoubtedly. They collect unique information and data on the world news by doing their days and nights researches both in the field works as well as online. More importantly, news writers as well as reports regularly make use of the quantitative and qualitative research tools in order to produce detailed and realistic news for the global audiences. That is why news writers are absolutely pivotal for the world news agencies always.

Currently thousands news are being launched by the most popular news agencies online. One of the main focuses of these global news agencies is on the reality of terrorism and suicidal bombing through which the whole world is coping with it today. That is why terrorism news has become the most mandatory requirement for any world news agency these days. Finally we have to say that global news reports are full of thrills, excitements, triggers, facts, knowledge, information, funs, and entertainment always. Therefore if you need any assistance regarding the world news, please feel free to contact us online. We shall provide you the best world news services worldwide cost effectively.





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2014年6月27日 星期五

On The Emergency Incident, The Guidance And Response To The News Media - News - Business News

: At present, various types of emerging media, citizens access to information has greatly changed, the work of emergency management to the government brings opportunities, and challenges. The Government only in emergency cases actively guide the media, to improve ability to respond to the news media, press releases control of the initiative to effectively resolve the crisis and to improve the government's credibility. Recent years, with political and economic management system reform and further deepening of industrialization and urbanization is accelerating, economic development, ecological environment, under increasing pressure, due to interest in the social transition needs of the social contradictions caused increased, leading to natural or man-made public emergency continue to emerge. Emergency Management in the news media coverage positive or negative publicity to a great extent affect the quality of administrative decision-making level, affect the mainstream of publ ic awareness, or even directly affect the smooth be disposed of unexpected events. The provision of public services for citizens as the government, in the event of emergency treatment should be pro-active changes in journalism and propaganda "mouthpiece" of the traditional concept of information to appease the public by public sentiment to achieve the purpose of integrating resources to overcome the crisis. 1, through the medical with a brief analysis of the new situation characterized by mediaEarlier this year, Dali, Yunnan Province with the incidents occurred. February 13, Renmin University of China in international politics student Ma Guangxing with several students in Dali play, eat a lot of snacks. That night, boarding at home Ma Guangxing students appeared sharp abdominal pain symptoms of inflation. February 14, Ma Guangxing people of the state hospital to Dali, and died the next day, the hospital made the "acute gastric dilatation and respiratory and cardiac arrest," the death of the diagnosis, the family insisted that was a medical. 17 noon, Ma Guangxing body was parked in the families of the gate of Dali Prefecture People's Hospital, leaflets, horizontal lines marked, to say the hospital to discuss the traffic order, the hospital's office order are greatly affected. Because there is no timely medical and health sector news release, a time several versions circulating in society saying, "Spring City Evening News" and other newspapers were unbiased follow-up reports, Sina blog, Baidu Post Bar and a number of network media Zeyi "Dali Hospital disregard for human life, the tragic death of Ward students" as the title coverage, reprint, threads are numerous, are mostly reported to sympathize with the dead, attacks on hospitals, the Hospital of Dali's image in many minds the image of the slump users. Through this occurred in the case of frontier regions and ethnic media on the SARS outbreak in the past, Shaanxi tiger incident, the South blizz ard weather and events such as earthquake coverage, we can easily find the current news media, some brief characteristics: 1, media type undergoing profound changes. Over the years, newspapers, Broadcasting, TV and other traditional media as the mouthpiece of the party responsible for publicity of the party and government policies, and leads all aspects of national political and economic life, is contact the party and the people of the bridge link. Especially in crisis communication in the strict implementation of the central and state regulations, the content step by step in accordance with established emergency release of information. Meanwhile, the media, but also loyal to the interests of the people, the party and the government is responsible, accountable to the people, in a way that the media's voice is the voice of the party, reflecting the overwhelming majority of the collective will of the people. With the social development needs of the diverse people, media types from a single change to the variety. On the one hand, along with the Internet speed development, proliferation of Internet users (China Internet Network Information Center, according to the statistics: As of December 2007, the number of Internet users has increased to 210 million people, ranking second in the world), network media play increasing role, has been called the "fourth media", as public access to information, the government an important window to understand public opinion. Meanwhile, with the popularity of mobile phones, SMS play can not be ignored, "radioactive" media as a force is gradually recognized by people. On the other hand, the traditional categories of news media in order to meet the reader market, the demand for different levels of audiences, have also been reformed revision, evening classes, entertainment newspapers and magazines came into being, and continue to thrive. 2, News relies on rapid dissemination of advanced information technologies.





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2014年6月26日 星期四

Reasons To Read Monthly Tech News Articles - Technology - Advancements

Our lives have become enriched with innovations in technology in most spheres. Whether it is communication, entertainment, arriving at the to information as well as going about our daily tasks of shopping or banking, commuting and so forth, the role used by technology can't be over emphasized.

This really is an area that is constantly undergoing changes and it is reflected in the many utility items which are rendered obsolete using the creation of newer and much more powerful entrants. Take pcs, cell phones, music players and other such daily use items. Due to the constant improvements in technology, the older models are being continuously substituted for newer ones.

If you are a technology addict or are very interested in following the developments with this space, what exactly are your choices?

In earlier days, you might read about advances in technology only through the print medium in addition to tech specific magazines. Now because of the Internet, any update on anything on the planet is only a look away. You can access a variety of technology related blogs, sites and articles to understand about the technological advances made in all fields. The best aspect of this really is that many details are relevant, authentic and you can rely on them. In order to, you can even compare information given across different sites and come for your own conclusions about a particular news item.

The latest technology news on the Internet isn't subject to any type of pressure - political, economical or geographical. All news get equal attention irrespective of their source and since there is something or the other happening at all times, this really is one area that is self fueling.

The various technological websites and blogs have regular visitors and lots of healthy discussion also happens with the community forums on such sites. This fosters swapping of communication between individuals sitting in different parts of the globe and results in moment spent proficiently.

Discussed previously, if you're a gadget crazy individual, you only have to visit some of these sites to understand about the most recent software, gadget being developed or being tested. You can even give honest feedback to the manufacturer and therefore help within the creation of another wonderful utility product.





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2014年6月25日 星期三

The first state-owned enterprise information General Assembly opened in Beijing to promote-IT indust - News - Business News

2008 9 24, by the State-owned Assets Supervision and Administration Commission of the guidance center, "state-owned enterprises" magazine, "A Chinese petroleum and petrochemical" magazine, International Business and Economics International Business School, the competitiveness of SMEs in China Project Office Room, China's financial computer magazines, financial portals? And telecommunications networks and other support units, the first state-owned enterprise information to promote the General Assembly in Beijing University of International Business and Economics grand opening. This session key combination SASAC issued "on the strengthening of the central to the Information Work guidance", "Central Enterprise Informatization Evaluation Interim Measures for the" spirit of the document. On how to make full use of enterprise information management solutions to enhance business operation efficiency, enhance the core competitiveness of enterprises, enterprise information manageme nt will bring refinement, transparency and efficient management style, is bound to adopt the future management of managers models and methods in such areas. Despite rainy day, elegant and quiet, the integrity of the floor conference room, experts and scholars, some of the central and local state-owned enterprises related to information technology executives, IT executives and the media more than 170 people attended the event. In the morning at the state of Enterprise Information Management Innovation Forum, the "state-owned enterprises," Journal deputy managing editor GUO Da-peng, the SASAC research center of enterprise development and reform, Minister Wang Chih-kang delivered speeches to the conference they want to build a state-owned enterprises and IT companies, information technology solutions provider, interactive communication platform for experts to discuss how companies set up through the information platform to improve the competitiveness of state-owned enterprises and soft power. Chinese Academy of Engineering, Institute of Computing Ni Guangnan a research fellow of China's information construction in a number of practical problems, he said, "Government Procurement Genuine Software Into government procurement of foreign software, "he urged state-owned enterprises, especially the central enterprises to support the process of building information-made software to enterprise information to drive China's software industry. China Hewlett-Packard Co., computer professional services company Group Chief Technical Adviser Zhu Weixiong published "HP's Green Business Technology boost sustainable development of state-owned enterprise" keynote speech, he analyzes the impact of energy efficiency on the business, he said, good energy efficiency is equal to good business results. "China Information," Journal of the implementation of President Zhao pointed out that the state-owned enterprises into the overall low level of information, especially in ma nufacturing enterprises. Domestic and foreign software industry software does exist a certain gap. He suggested that the information construction of state-owned enterprises to "plan ahead, distributed implementation of the" use of limited resources, scientific development. Speech in the morning were, AMT Consulting Manager of inexpensive high aspirations in North China, Beijing Grand View Software Ltd chairman fen real. Afternoon business Information Security Forum and the depth of application software, forum, Beijing Information Industry Association, the Secretary-General Xu Zuzhe, Rita Gross, Chief Engineer Information Security Industry Co., Ltd. Yong Han Bridge, TOPSEC technical director Du Xuhui, North aspect partner relations Xuefeng, vice president of software, Dai Ke gold , Kingsoft WPS Zhao Fang, director of product training were conducted on the topic. Chinese New Group Corporation, China in the materials group, the storage of cotton Corporation, State Grid Corporat ion of information and communication company, Sinopharm medicine Co., Ltd., Beijing, 31 Heavy Machinery Co., Ltd., China Development Bank, Agricultural Development Bank many state-owned enterprises, banks and enterprises to participate in the meeting. The conference also attracted, including Xinhua News Agency, "Economic Information Daily", Hubei TV, "Oriental Morning Post", "China's financial computer" and HC IT, China's machine via network, and many other mainstream and industry media attention.





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2014年6月24日 星期二

Benefits of online news - News - World News

The world is turning from being conventional to contemporary. People are becoming techno-savvy and with everything available just with a click of a mouse, people have become extremely addicted to the world wide web lifestyle. Every person wants everything as quick as possible and with this thought in mind, the online news came into existence. Today the concept of online news has striven to become a big hit among internet users who find a number of advantages and benefits of online news on contrary to television, newspaper or radio news. A business would not carry a newspaper, television or radio everywhere, but would be accessible to internet for sure. It is this easy accessibility of internet that proves to be the first and foremost benefit of online news. People are informed about the breaking news every minute through online news, and donot think that online news are not as rapid and swift as a television, newspaper or radio! Breaking news comes as swiftly on the intern et as on other sources. Online news provides much more interactive tools to its users. Features such as online voting, polling, suggestions and solutions, tweeting, bookmarking or sharing with friends on social networking are seen as great benefits of online news. Online news have also come up with the features like mobile subscription, which enables the users to get hold of any information or news around the world through text messages from online news websites. By subscribing to the newsletters, users can also get important news around the week, through an e-mail, which saves time. Another benefit of online news is that it is a reflection of fast moving technological world. With the help of online news, users can stay connected to every-minute update about their country, region, and world and on any topic of their choice. Online news allows you the freedom of choice of the kind of news. It allows you variety, quality and information all- in- one. Online news have gone ahea d to become so popular that infact, many news channels and newspapers have their online news website too. The Washington Post, The Wallstreet Journal, The Times of India, The Hindustan Times, The New York Times, and BBC news- is all among the source of online news. Among the online news, there is no rat race of high TRPs. It focuses more on providing quality to its users, which is also a reason of its growing influence. In sort, online news provides easy accessibility, quality and more information to its users.





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2014年6月23日 星期一

New Technology Articles - Technology

If you are a tech fanatic you probably already check out many different sources for great information on the newest tech gadgets, computers and smart phones. There are so many different places to get up to date news it can become confusing to some. Even if you have a preferred source for information this does not mean that they are going to give you the full scoop on what's new and what's cool in the tech world. This is why some tech geeks constantly scan different web sites to find a wide range of tech news topics and updates. If you are following many different technology sites you can make used of really simple syndication or RSS as it is better known as, to keep up with many different technology news sites in one place. This allows reader to skim over many different new technology articles titles in one place and pick out the ones that interest them the most. Then you can start reading the content that is the most important to you and leave the rest behind. This can al l be done without the need to visit each site and can turn out to save a lot of time for most tech addicts.

One problem with some of the biggest names in tech, is that they make many updates, so many updates that you may see 4-5 posts on the same topic in the same day. This is not only confusing, but wasteful. Many of these short blurbs that are published on a hot technology trend really dont offer any content besides a quick one liner and a picture if you are lucky. This again is one reason that some of the smaller technology blogs that offer in depth new technology articles are much more useful to the average reader and gadget lover. Finding blogs that offer relevant information in a format that brings you the information you need and has updated content is really what most readers are hunting for and there are hundreds of great tech blogs on the internet. Some of the most successful technology blogs are created around great online communities. This in a way lets them crowd source the content and also allows for many geeks to share with each other on their own experiences with tech.





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2014年6月22日 星期日

Hustle season 7 news - Entertainment - Television

Heart covers what we can not remedy. But eyes acknowledge what we attempt to hide. Human is the most intelligent and creative creature in this world which makes our signal more confusing and fascinating. Sometimes, I are in agreement that it is good if I absorb a well-balanced enemy as my life will be more remarkable and vivid since I will need to withstand his approaches always and try to combat him in turn. There is competition, there is progress, this is the maxim. Reality, in fact life, although some there is no rival for us to guard against always, but those surprising jokes and tiny tricks are also incorporating much more flavoring in our life, like the guys in hustle dvd box set.After looked at the first paragraph, you may am going to know those exceptional hints prepared by those prodigies. hustle on dvd tells about the tale of a agency of exclusive con computer animators, who each week take care of a difficult fraud with a number of creativities. Mickey is the gro up's leader, who effects the hobbies. Albert is a veteran con man who in his later years is a "roper, " aiming out exact sufferers and placing them to his cohorts. Ash plagues all the address and extras demanded for the cons. Stacie activities in anytime she requirements to neglect her feminine wiles. The arranged is rounded off by Danny, a youthful newbie grifter who Mickey usually takes below his wing. hustle dvd series 1-6 ensues a variety of con musicians and artists who specialise in "long cons" - extended deceptions which require greater contract, but which come along a higher compensation than simple confide. The lead actors were afforded improved instruction in sleight-of-hand and pickpocketing; "all the tips of the alternative from card-shuffling to collecting watches", reported by Lester.The hired located the knowledge instructive in hustle dvd series 1-6; Murray identified, "I realised that most cons are all about diversion - while you're wanting to con somebody y ou're obtaining something to distract them in the switch perspective thus they don't discover and that's particularly how pickpockets work". There is no extreme tasks that team couldn't accomplish! hustle on dvd follows a group of con artists who specialise in "long cons", extended deceptions which require greater commitment, but which return a higher reward than simple confidence tricks. For these geniuses, as taking fraud as their career, it would be better to say that they take this as a game, a competition game, they willing to challenge and exceed as they specially taking those tough tasks which seem hard to accomplish. As hustle dvd series 1-6 depicting, those intelligence swindlers become right characters as they always take the role as knights, like Robin Hood, punish those bad guys who always scourge normal citizens. In fact, the chivalrous spirit in Robin Hood never vanished in dramas, this team is the posterities of Robin Hood take the role as bad guys, but deeply appreciated by citizens, admired by their strong rivals, awed those so-called righteous people. You can never experience the chivalrous spirit until you watch Robin Hood and Hustle, recalling the nature of heroism back, go ahead!





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2014年6月21日 星期六

Being Updated on Long Term Care News - Insurance - Long Term Care

For current policy holders or interested buyers, being updated of long term care news is important. While there are a lot of existing resources on LTC, current information should also be considered. This is to know latest additions in policies or changes in legislations and how it can affect owned policies.

Where to Find LTC News?

Newspapers have money and finance, and health sections. These are where articles on LTCI are often found. Other than newspapers, there are also health and finance magazines that feature researches, current changed, and personal stories with regards to this type of insurance.

In relation to newspapers, most of them also have an online version wherein printed articles are uploaded. This is to allow consumers to access information in an easier and convenient way. With this uploaded data, people can go back even to past issues to track amendments or adjustments and improvements in the LTC industry.

Also, people must also know that the country's health institute and most state's health departments have monthly newsletters wherein white papers and researches are published. These often contain market researches including demographics of consumers, cost of care in particular areas, and also recent developments in the industry.

Similarly, companies also have newsletters and websites that give updated long term care news. This is to provide interested buyers and policy holders with relevant resources. Most of the time, searching for new information can usually be made easier when done using company resources. This is because they provide all the needed data immediately. Other than give current news, they discuss LTC insurance, defines terminologies, describe important elements within the policies, provide free quotes, and gives link to other useful resources.

What LTC News Contains?

Long term care news is often about current events, breaking information, and top stories in health and finance. While a lot of people would like to expect good news, it cannot be avoided that bad news fill up printed or web pages. Changes in legislations specially those that promise ways of improving LTC services and lowering their costs would be pleasing info for readers. However, stories that talk about increasing price of LTCI and monthly premiums are just samples of what readers would not like to see. Still, good or bad, these news are all informative. It is up to the reader on how he will use these latest facts to his advantage.

For those who are searching for costs of LTC services in various settings, LTC news can also provide the answers. Researchers and writers often take time to explore and inquire on nursing homes, assisted living facilities, and insurance companies and carriers to be able to report on the latest prices of services.Reading long term care news and relevant information can also help interested buyers be convinced of getting this insurance. By reading the uses, benefits, and prices of LTCI, it would be easier to plan and ensure health care. Choose the best resources and be sure to be updated of recent changes and breaking information.





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2014年6月20日 星期五

10 Symptoms You Have Chicken Little Syndrome, 3 Steps for Curing It - Finance

We talk with folks everyday who are deeply worried about the future. As we listen, we hear fear on everyone's lips. As each question repeats, the level of fear rises, until the pitch drowns out all reasonable thought and historic memory.

What about America? What about the dollar? What about my freedoms and privacy? What about Social Security? What about my retirement?Is the sky really going to fall?

My neighbor says, "Grow your own food and stock up on ammunition."My barber says, "Gold is the ONLY standard, always has been - invest in Gold."I hear on the news, "The American dollar is on the verge of collapse."The political pundits say, "Your standard of living will soon be reduced to that of a third world country. There will be rioting in the streets."Everyone that seems to care about this country is standing around wringing their hands with worry... No one seems to know what to do.Is the sky going to fall soon?

I don't have the nest egg for retirement I thought I would because of stock market declines.I am upside down in my home mortgage.I have investments that I don't understand.I have fears that everything I've worked for will collapse.I worry that I will suffer additional financial ruin if things worsen.Is the sky already falling?

I can't tell what I don't know.I don't really know what I fear; I just know that I'm afraid.I can't tell the fiction from the facts.I don't know who to trust.I'm afraid the sky is falling, and I don't know what to do!

If you find your mind circulating these kinds of questions and concerns, you are likely experiencing what we call the Chicken Little Syndrome. Remember that childhood story about Henny Penny, a chicken that was hit in the head by a falling acorn? Because Henny Penny did not understand what happened, she was convinced that the sky was falling and the world was coming to an end. Henny Penny's fear was so real that she convinced others that disaster was imminent. In the end, Foxy Loxy eats Henny Penny because she is too distracted by her fears to recognize the real danger at hand.

FEAR causes smart individuals to make emotional and hasty financial decisions that most often result in permanent damage to their finances.

How do you know you're suffering the Chicken Little Syndrome and making fear-based decisions? Here are some of the KEY symptoms:

Cure Chicken Little Syndrome with education, preparation, and agility.

EDUCATIONEducation is really about developing discernment: knowing enough to know the difference between fact and fiction, knowing enough to know where the real dangers lie. Fear-based education filters broad information to emphasize only what reinforces the myths, fears, and scare tactics. Remember that these resources, while providing SOME information, are created to manipulate you, not educate you:

Genuine education puts all the information and sound bites into context in a balanced, historical, and comprehensive way. This is not something that you will be able to construct all on your own. What you need instead, is an advisor you can trust that brings these competencies to the table:

PREPARATIONChange is always frightening. Our world is poised on the edge of change. The cure for fear of change is to get actively involved in the process of change. You can do this by preparing your world for change. Proper preparation will help you:

AGILITYMost people fail to take their education and preparation to this final stage. In fact, many financial advisors fail to define with their clients, these fundamental aspects of their financial decisions. Understanding how and when your financial plan needs to change will provide you with the confidence to face the future.

Remember, fear-based decisions made on incomplete (or unbalanced) information produce unexpected results, injecting unnecessary change into an already uncertain world. Hasty decisions made before assessing the consequences, often produce irreversible tax disasters more destructive than your fears about the future. Emotional, knee-jerk decisions may lock you into financial situations over which you have even LESS control than you do now.

Today, take your first step to cure Chicken Little Syndrome, find an objective, knowledgeable tax and financial professional that will work WITH you to discern the facts, prepare a plan, and keep you on track, as you adjust your financial plans in the face of change.





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2014年6月19日 星期四

NBA 4 PLAYERS - WIKI NEWS - Sports - Basketball

Tyrone Bogues was a player that believed and put into practice "pass the ball". The more passes that result in baskets rather than turnovers. Tyrone Bogues led the NBA in assist-to-turnover ratio for the third straight season in 1990-1991, indicating that he was both a skillful and careful passer. The Charlotte point guard finished 11th in the NBA with 8.3 assists per game despite starting only 46 games. Bogues committed only 1.5 turnovers per game. John Paxson committed the fewest turnovers of all starting point guards, averaging less than on turnover per contest.

Derrick Rose player of the Chicago Bulls early in his second season had an injury in one of his ankles dogged his performance during the first stage of the race, but once fully recovered, the level of Rose improved exponentially. He was named MVP (Most Valuable Player) of the 2010-2011 season. This result makes Derrick Rose the youngest player to receive the maximum individual Recognition in the NBA, beating Wes Unseld, who did it in 1968-69 season. Rose is known by the nickname of Pooh. This term was made by his grandmother because he was chubby and yellow as Winnie the Pooh.

The only thing he cares about is basketball, flee from the parties, the glitz of the money and fame misunderstood. His biggest hobby is watching movies, eating sweets and being with his family. It seems that it is a normal boy with a talent for basketball. Some experts consider him as one of the best players in Bulls history. Michael Jordan himself has acknowledged that Derrick Rose is an exceptional player, the best of the year and sees him as his successor. It is the first time the most spectacular player of all time has chosen his heir, and his name is Derrick Rose.

The Puerto Rican Jose Juan Barea received a contract offer from the team of China Xinjiang Flying Tigers. Also China negotiated with the star of the Lakers, Kobe Bryant. However, China does not allow players with active contracts in the NBA. Barea, who is a free agent, has already expressed his desire to play in the Spain league if the NBA lockout continues.

Barea was last seen in Mexico in the Pan American Games playing with the Puerto Rico team, where it won the Gold Medal. He is expecting his first child with former Miss Universe Zuleyka Rivera in early 2012.

Dwyane Wade was born in South Side Chicago, Illinois and has 29 years. He is the older member of the Big Three (Bosh is 27, James 26). Wade becomes the first player in NBA 6-4 (1.93) or less to reach the 100 blocks in one season. Dwyane Wade on July 2006 signed a 5-year contract extension with the Heats of Miami. Dwyane Wade can't take a year without basketball. He recently told to NBA managers that he can't be a year without playing basketball. If managers do so, Wade said he would seek where to play. Despite the super stars that the Miami Heats has as Lebron James among others, is very unlikely that Miami Heats switch to another player. Dwyane got an expensive style of life and obviously he needs to produce money. On the other hand, the Miami team is one of the best and that's because players like Dwyane Wade make it possible. For sure while the Miami Heats continue paying good money to Wade he will be on their side and possibly the team will have a ring this year.

Kobe Bryan (Black Mamba), is son of former Philadelphia 76ers player and former Los Angeles Sparks head coach Joe "Jellybean" Bryant. In 1999 when he was just starting at the NBA people began to say that he could be the successor of Michael Jordan. Time later Kobe had a lot of complicated scandals which change that fans opinions.

Anyway, Kobe is summarized in two words, Super Start. Kobe Bryant jumps approx. 1.20m, if you see her jump when the ball back his shoulders reach the height of the rim. Also he got good moves and is very faster, but a leader who wins championships and is a leader in points never puts his personal glory before the glory of the team, Kobe is not a leader. Maybe that is the reason for what he is not good as Michael Jordan, not for the opinion of anybody. Anyway, is one of the best and is consider a veteran with a lot of good experience and talent.

Caramelo donates his time and money to various charitable causes both in Denver and Baltimore. In Denver is working with a family center, organizing Christmas parties for the benefit of disabled children.

In Baltimore holds an annual 3 on 3 tournament. Moreover, in this city opened a community center for youth. He donated $ 1.5 million to a nonprofit organization that provides education, vocational training and community service programs for 35,000 children and youth in the community of East Baltimore.

After the tsunami in Southeast Asia in 2004, Anthony donated $ 35,000 to help repair the damage. Carmelo donated 3 million to Syracuse University for the construction of new facilities for basketball that will take his name.





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2014年6月18日 星期三

Facebook developing its own smartphone - Technology - Gadgets and Gizmos

The Web is afloat with fresh rumors that Facebook is developing a new phone optimized for the social networking site.

A technology website AllThingsD has reported that Facebook is closely working with HTC to make the phone, which in all likelihood is going to be a savvy smartphone.

Not the first time:- This is not the first time that Facebook is rumored to be working on its own phone. About a year back, CNET had reported that Facebook was in talks with major hardware manufacturers to come out with a smartphone. But as smartphones began hitting the market sporting Facebook-specific buttons, the rumors subsided.

If the latest rumor is to be believed, Facebook is reconsidering the option to build its own phone. Facebook is an important component of new Windows Phones as well, as they come with Facebook and Twitter integrated into the operating system, letting you sync your contacts with those on your social networking sites.

It remains to be seen how a Facebook phone is going to fare in the marketplace, when there already are strong players like iPhone and Android.

Smartphone specifications:- Reportedly, the smartphone will be powered by a customized version of Google's Android operating system, and will be optimized to let you access Facebook the way you do on PCs.

The phone has an interesting codename 'Buffy,' after the name of a popular TV show about vampires. AllThingsD declined to unveil any details about the sources from where it got the news. The new Facebook phone will not simply sport a few Facebook buttons, but will offer a unique Facebook experience, with social networking built into the heart of the device.

It also reported that Facebook had earlier been in talks with Samsung to manufacture the device, before finally zeroing in on HTC.

The choice certainly makes sense. The latest smartphones from the HTC stable, Salsa and Chacha, have dedicated Facebook buttons and are apparently more Facebook-friendly than other phones.

Motorola and INQ Mobile are the other mobile makers that have also included Facebook buttons on their phones. About a year back, CNET had reported that Facebook was in talks with major hardware manufacturers to come out with a smartphone. But as smartphones began hitting the market sporting Facebook-specific buttons, the rumors subsided.

A unique Facebook experience:- According to AllThingsD, the new Facebook phone will not simply sport a few Facebook buttons, but will offer a unique Facebook experience, with social networking built into the heart of the device.

Facebook is an important component of new Windows Phones as well, as they come with Facebook and Twitter integrated into the operating system, letting you sync your contacts with those on your social networking sites. AllThingsD has reported that Facebook is closely working with HTC to make the phone, which in all likelihood is going to be a savvy smartphone.

It remains to be seen how a Facebook phone is going to fare in the marketplace, when there already are strong players like iPhone and Android. Both of these existing platforms have good support for Facebook.

Facebook and HTC declined to say anything on the rumor.





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2014年6月17日 星期二

NBA WIKI NEWS - Sports - Basketball

Tyrone Bogues was a player that believed and put into practice "pass the ball". The more passes that result in baskets rather than turnovers. Tyrone Bogues led the NBA in assist-to-turnover ratio for the third straight season in 1990-1991, indicating that he was both a skillful and careful passer. The Charlotte point guard finished 11th in the NBA with 8.3 assists per game despite starting only 46 games. Bogues committed only 1.5 turnovers per game. John Paxson committed the fewest turnovers of all starting point guards, averaging less than on turnover per contest.

Derrick Rose player of the Chicago Bulls early in his second season had an injury in one of his ankles dogged his performance during the first stage of the race, but once fully recovered, the level of Rose improved exponentially. He was named MVP (Most Valuable Player) of the 2010-2011 season. This result makes Derrick Rose the youngest player to receive the maximum individual Recognition in the NBA, beating Wes Unseld, who did it in 1968-69 season. Rose is known by the nickname of Pooh. This term was made by his grandmother because he was chubby and yellow as Winnie the Pooh.

The only thing he cares about is basketball, flee from the parties, the glitz of the money and fame misunderstood. His biggest hobby is watching movies, eating sweets and being with his family. It seems that it is a normal boy with a talent for basketball. Some experts consider him as one of the best players in Bulls history. Michael Jordan himself has acknowledged that Derrick Rose is an exceptional player, the best of the year and sees him as his successor. It is the first time the most spectacular player of all time has chosen his heir, and his name is Derrick Rose.

The Puerto Rican Jose Juan Barea received a contract offer from the team of China Xinjiang Flying Tigers. Also China negotiated with the star of the Lakers, Kobe Bryant. However, China does not allow players with active contracts in the NBA. Barea, who is a free agent, has already expressed his desire to play in the Spain league if the NBA lockout continues.

Barea was last seen in Mexico in the Pan American Games playing with the Puerto Rico team, where it won the Gold Medal. He is expecting his first child with former Miss Universe Zuleyka Rivera in early 2012.

Dwyane Wade was born in South Side Chicago, Illinois and has 29 years. He is the older member of the Big Three (Bosh is 27, James 26). Wade becomes the first player in NBA 6-4 (1.93) or less to reach the 100 blocks in one season. Dwyane Wade on July 2006 signed a 5-year contract extension with the Heats of Miami. Dwyane Wade can't take a year without basketball. He recently told to NBA managers that he can't be a year without playing basketball. If managers do so, Wade said he would seek where to play. Despite the super stars that the Miami Heats has as Lebron James among others, is very unlikely that Miami Heats switch to another player. Dwyane got an expensive style of life and obviously he needs to produce money. On the other hand, the Miami team is one of the best and that's because players like Dwyane Wade make it possible. For sure while the Miami Heats continue paying good money to Wade he will be on their side and possibly the team will have a ring this year.

/





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2014年6月16日 星期一

Are You Looking For Cheap College Books - Education - College and University

If you are getting ready to continue your education as someone who just graduated from high school, returning student or as an adult; then you may want to take the time to read this entire article. We are going to providing you with some tips and information that you can use to help you find cheap college books.

As a college student you need to realize that you are considered an adult; this is when you gain that freedom that you have been longing for since you were in high school. However most college students still look to their parents to help them pay for their college expenses; especially since the cost of college is continuing to rise.

Even if you got a college scholarship or some type of grant you realize that it is not enough to pay for the college books that you will be needing. It seems that the books are the most expensive part of attending college; if you have done any searches for the college course textbooks; you know that they can easily run up into the hundreds of dollars.

Well the great news is that you have several options of being able to find cheap college books that you will need for your classes. So before you decide to visit the campus bookstore you need to realize that there are several ways to find cheap textbooks for college.

One of the first things that you need to do is begin doing your research online. You will quickly realize that as a college student you have the option of renting books, buying books or even getting the course book in an Ebook style textbook. It is up to you to decide which type of textbook you want to get.

The great news is that you can stop paying those ridiculously high prices that the campus bookstore is asking you to pay. If you are ready to go back to school and want to find the best cheap textbooks for college; be sure to stop by and visit the site below. We will provide you with some of the most popular methods that college students are using to get their textbooks for school. You will be amazed at how exciting college life can be when you learn how to shop smart and stretch your budget further without having to pay for those extremely high book prices that several colleges are asking you to pay.





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2014年6月15日 星期日

Making Use Of Recent Events To Enhance Your Wholesale Tools Blog - Business

Changes in technology continue to impact bloggers.Bloggers can hardly remain competitive in efficiency with Twitter.The way that any news item influences your niche market is the point of view you're looking for.Popular trends are perfect topics to blog about if you want to increase your site visits greatly.There are a variety of terrific tools that will help you accomplish this, and you may presently be aware of a number of them. As for instance, when you're running a home business of discount tools, you would wish to launch your advertising campaigns persistently for at least ninety days and be sure to track the final results to be able to examine it.Don't forget the value of this strategy is to capture a spot on the very first page of Google for the news editorial.If you are thinking you cannot compete with the large news sites, you are basically accurate.Adding 'update" or a similar prefix to your title search phrases can sometimes give you an advantage.I have personal ly seen ordinary blogs listed in a different window, down the middle of the first page, under the heading of updates.You will get better, over time, identifying the best techniques for taking advantage of news stories to obtain more readers to your blog.It's not hard to catch popular news stories as they break by using a variety of online resources.Sometimes television news still presents "breaking stories" which you can post about.Speed is essential to making this work successfully.Yesterday's information will not work for this method.Probably one of the most valuable places for checking breaking news and general trends is Twitter.Around the world, users "tweet" about important events that are taking place in their countries. For example, if you're running a business of wholesale tool, you may wish to launch your marketing campaigns persistently for at least 90 days and be sure to trace the final results so that they can examine it.Once you find out about something on Googl e Alerts the news has by now broken.You shouldn't be getting "alerts" about various other people's blog posts because that implies they have beat you to it.Whether your blog can make the most of breaking news stories is actually something you will need to research on your own.If time is not really highly critical, then you can keep track of alerts and even Google trends.Blogging about news strongly related to your market can regularly aid you in getting higher rankings.One supplemental approach is to open your own private Twitter account so that you can Tweet about your story immediately after it is on your blog.Do you know that Google now provides Tweets in page 1 results?There is nothing certain with Google however it is sure really worth a shot.Combining the power of Twitter and current blog entries will increase the popularity of your blog. For example, if you're running a business of wholesale tools, you may need to run your advertising campaigns frequently for a minimu m of ninety days and be sure to trace the results to be able to examine it.





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2014年6月14日 星期六

Are You Looking For Cheap College Books - Education - College and University

If you are getting ready to continue your education as someone who just graduated from high school, returning student or as an adult; then you may want to take the time to read this entire article. We are going to providing you with some tips and information that you can use to help you find cheap college books.

As a college student you need to realize that you are considered an adult; this is when you gain that freedom that you have been longing for since you were in high school. However most college students still look to their parents to help them pay for their college expenses; especially since the cost of college is continuing to rise.

Even if you got a college scholarship or some type of grant you realize that it is not enough to pay for the college books that you will be needing. It seems that the books are the most expensive part of attending college; if you have done any searches for the college course textbooks; you know that they can easily run up into the hundreds of dollars.

Well the great news is that you have several options of being able to find cheap college books that you will need for your classes. So before you decide to visit the campus bookstore you need to realize that there are several ways to find cheap textbooks for college.

One of the first things that you need to do is begin doing your research online. You will quickly realize that as a college student you have the option of renting books, buying books or even getting the course book in an Ebook style textbook. It is up to you to decide which type of textbook you want to get.

The great news is that you can stop paying those ridiculously high prices that the campus bookstore is asking you to pay. If you are ready to go back to school and want to find the best cheap textbooks for college; be sure to stop by and visit the site below. We will provide you with some of the most popular methods that college students are using to get their textbooks for school. You will be amazed at how exciting college life can be when you learn how to shop smart and stretch your budget further without having to pay for those extremely high book prices that several colleges are asking you to pay.





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2014年6月13日 星期五

Your Best Job Search Tool May Be Your Computer

Haveyoueverbeenfrustratedatthelackofjobpossibilitiesadvertisedintheclassifiedsectionofyourlocalnewspaper?Largepapersmayoffermorechoices,butyouwillstillbelimitedbythenumberofopeningslistedatanyonetime,nottomentiongeographicallimitations.Evenatitsbest,thisapproachjustwon'tcutitanymore.Searchingthroughtheclassifiedsmayhavebeengoodenoughatonetime,buttodaythat'saboutasprogressiveaspoundingoutaresumeonamanualtypewriter.WithanimpressivearrayofInternetresourcesjustafewmouseclicksaway,yourcomputeristhetickettothatnextgreatjob.

Asanyhumanresourcesofficercantellyou,theuseofthePCasajobsearchtoolhasbecomethenorminthelastfewyears.Thisincludescreativeuseofe-mailandtheInternet,aswellasthetakingadvantageofthecapabilityofanycomputerforuseinproducingresumes,lettersandotherjob-relatedmaterials.

TheCyberJobSolution

Formanyemployersandjobhunters,theInternethasbecomethecommondenominator.Itconnectspeoplefrombothendsofthehiringequationwithease.Employerscanpostjobopeningswiththeknowledgethattheywillbeavailabletolargenumbersofjobapplicants.Atthesametime,jobseekerscaneasilyexplorepossibilitiesforallkindsofjobsofferedbycompanies,governmentagencies,non-profitsandotheremployers.Theycanalsosubmitresumesandapplicationselectronically.

Amajoradvantageofthisapproachisthatitbreaksdowngeographicalbarriers.Insteadofbeingrestrictedtojobopeningslistedinyourcommunityortheregioncoveredbylocalmedia,yoursearchcanincludeanynumberofcitesorstates,ortheentirecountry,forthatmatter.Youcanalsopursuecareerinterestsinothercountries,ifthatsoundsappealing.

Anotherplusisthattheuseofonlinecommunicationislessintrusivethantraditionalmethods.Ifyou'realreadyemployed,youcanspendtimeduringnightsandweekendsperusingsitesmaintainedbyemployersorjobsearchcompanies,postingresumesandmore,allwithoutconflictingwithyourcurrentjob.Ifyoudon'thaveaposition,youcanworktomaintainanelectronicpresencethatfarsurpassesthescopeofotherjobhuntingtechniques.

Evenifyou'retiedtoaspecificlocationandareonlyinterestedinlocalemployment,you'dfindplentyofinformationavailableonline.ManynewspapersnowincludeWeb-basedversions,asdostateandlocalemploymentoffices.YoucanalsovisitWebsitesofareaemployersforjob-relatedinformation.Infact,regardlessoflocation,oneofsimplestapproachesissimplytoperusewebsitesofpossibleemployerstolookforpostingsandrelatedinformation.Inlookingsuchasite,youwillprobablyseeaheading"jobs"or"positionopenings."Clickhere.youwillseealistofcurrentjobsopeningsalongwiththequalificationsforeachone,theapplicationdeadlineandotherrelevantdetails.

Forafirst-classexample,alookatthehomecageforStateFarmInsurance().Itshowsaheadingof"AboutStateFarm."Clickingherewillbringchoicesthatinclude"careers,"andthen"careershomepage."Thissectionprovidesawealthofinformationoncurrentjobopenings,StateFarmrecruitingeventsacrosstheUnitedStatesandCanada,benefits,andmore.Inadditiontosearchingcurrentopenings(whicharelistedatHotJobs.com),youcangotoan"opportunities"pagethatdescribesthevariousjobsforwhichapplicantsmightbesought,includingpositiondescriptionsandageographicalbreakdownofjobsavailablearoundNorthAmericaaswellasthoselocatedatthecompany'sheadquartersinBloomington,Illinois.Youcanevenfindinfoonhowtopreparetheidealresumeforscanningandsubmittingtothecompany'sdatabase.

Notallcompaniesoffersuchwell-developedWebsites,butmostlargeorganizationsprovideupdatedinformationaboutjobopenings.Thepracticehasbecomesocommon,infact,thatmanysmallbusinessesandnon-profitsalsooffersometypeofjobinformation.

Inadditiontofindinginformationdirectlyrelatedtojobs,youcanconductInternet-basedresearchaboutpotentialemployers.Obviouslythemoreyouknowaboutaprospectiveemployerthebetter,fromdeterminingthekindsofjobopeningstoboningupontheorganization'sbackgroundsoyoucanindividualizecoverlettersorresumes.Theemployer'sWebsitecanoftenbeagreatsourceofsuchinformation.Ifyoubrowsethemainpageforanybutthesmallestbusinessornon-profitorganizationyouwillfindlinkstoitemssuchasnewsreleases,annualreports,earningsreports,executivebiosandcontactinfoforcompanypersonnel.

YoucanalsoobtaincorporateprofilesfromthirdpartybusinessinformationservicessuchasHoover's().Anddon'toverlooksitesthatprovidesalaryinformationsuchasnextSource'sPeopleTicker(com),thosemaintainedbyprofessionalassociationsandtheBureauofLaborStatisticssiteat

CareerSiteSolutions

PerhapstheultimateinWeb-basedcareerinformationisavailableatanumberofcomprehensivesitesdesignedspecificallytoservejobseekers,employersorboth.Forexample,Monster.com()connectsuserstohundredsofthousandsofjobopenings.Youcancreateafreeaccountandthentakeadvantagesofanumberofhelpfuloptions.Onceyouprovideinformationaboutyourparticularjobinterests,e-mailmessagesaboutjobopeningsmatchingyourinterestswillbeautomaticallymailedtoyou.Youcanalsosearchonlineforjobsofinterest,andalsocreateresumesforuseinapplyingonlineforjobopenings.

Inadditiontoallthis,thesiteoffersextrassuchastheabilitytoresearchcompanies,networkwithothers,andobtainfreeadviceonwritingresumes,preparingforinterviews,negotiatingsalariesandmore.Youcanalsosignupforfee-basedservicesintheseandotherareasofcareerdevelopment.CareerJournal,offeredbytheWallStreetJournalat,providesdailyupdatesaswellasthousandsofarchivedarticlesonnews,trendsandtopicsrelatedtocareeradvancement.Italsofeaturesasearchabledatabaseofjobpostingsfromtopcompaniesinareassuchasseniorandgeneralmanagement,sales,marketing,financeandtechnology.Basicaccessisfree,butusersalsohaveanopportunitytosubscribetoWSJ.com,whichoffersadditionalresourcesincludinganextensivelistof"briefingbooks"providingcompletedetailedbackgroundonagivencompany'sbusinessandrecentnews.

TheCareerJournalsitealsofeaturesaconfidentialresume"database.Hereyoumaycreateabriefprofileoruseonlineinstructionstocreateafull-fledgedresume',choosingfromanumberofformats.

EmployersOnline()servesemployers,recruitersandjobseekersbypostingbothjobsandresumes.Itfocusesonsales/marketing,computer/IT,medical/professional,engineering/technicalandmanagement/executivepositions.Thoseseekingjobsmaysubmitresumeswhichareenteredintoadatabaseforviewingbyemployersandrecruitersacrossthecountry.Servicesincludeaccesstojobspostedonthesite,tipsonwritingresumesandhandlinginterviewquestions,andmoreyoucansearchthedatabaseatnocost.Registrationisrequiredtopostaresume,butthatprocessisalsofree.

OtherusefulsitesincludeHotJobs(hotjobs.com),CareerBuilder.com(),America'sJobBank()andCareer.com(com).Somesites,suchasthatofferedbyQuintessentialCareers(),serveasportalstoothers,inthiscaseofferinglinksto"thetop10jobWebsitesforjob-seekers."AnotherisAllJobSearch(),whichactsasacomprehensive,easilyusedjobsearchengine.Allyoudoiskeyinawordorphrase(suchasadministrativeassistantorsalesmanager)andthenindicatewhetheryouwanttosearchWebsites,newspapersornewsgroups.Nextyouspecifygeographicpreferences,jobtype(suchasfulltime,contract,parttimeorinternship),postingdatesrangingfromonedaytothirtydays,andjobcategory.Herethechoicesrangefrom"allcategories"tospecificareassuchasaccounting,architecture,biotechandrealestate.Onceyouclickonthesearchkey,theenginetakesyoutoalistingofalljobopeningsmatchingthatprofile.

Theservicesofferedbyjobsitesvaryconsiderably.Somearefree,whileothersarefee-based.Typicallythemorebasicserviceswillcostnothing,butyouwillhavetheoptiontopurchaseadditionalservicessuchasjobcounseling,resumedevelopmentandcareerinterestprofiles.

Onestrategyistouseservicesthatbroadcastyourresumetomultiplesources.At,youcaninstantlye-mailyourresumetothousandsofrecruiters,headhuntersandemployers.Whilethejuryisstilloutonjusthoweffectivethisapproachwillprovetobe,itdoesoffertheadvantageofputtingyourresumeintoplayonamorediversebasisthanwouldbepossiblebyusingregularmail.Afeeischarged,butit'smuchlessthancomparablepostagecostsformailinghardcopies.

TheResumeDevelopmentSolution

Ofcourse,yourcomputercandomuchmorethansimplyhelpyoufindjobs.It'salsoagreattoolforpreparingresumes,coverletters,portfoliosorotherdocuments.

Conventionalwisdommakesclearthataresume,won'tgetyouajob-justthechancetosellyourselfthroughaninterview.Fortunately,theresourcesavailablethroughyourPCcanhelphere,too.WithMicrosoftWordoranyotherwordprocessingsoftware,youcancreateprofessionallookingresumesandcoverlettersthatoncewouldhaverequiredtheskillsofahighlyskilledtypist.Onceabasicresumehasbeendeveloped,youcanreviseitasoftenasneeded,printanynumberofcopies,ortransmititelectronicallytopotentialemployers.Youcanalsocreateindividualizedversionsadaptedtoappealtospecificemployers,oremphasizedifferentqualificationsfordifferenttypesofpositionsinwhichyoumightbeinterested.

AnalternativeistoobtainsoftwaresuchasWinWayResumeDeluxe,offeredbyWinWayCorporation().Thispackageincludesaresumewritingprogram,thousandsofsampleresumes,keyphrasesthatcanbeaddedtotheresume,aletter-writingprogramandsamplecoverletters.

Youcanalsotakeadvantageoftheresume-buildingservicesofferedatbroad-basedcareersitesorthosespecializinginonlineresumedevelopment.AnexampleofthelatterisTotalResume.com(),afee-basedservicethatallowsyoutocreatearesumebyusingtemplatesaccessedonline.Inthisprocess,youcompleteformsbyfillinginyourownuniquepersonalandprofessionalinformationwhiletakingadvantageofusefulactionwordsandphrases,spellchecking,previewsofyourresume,andthechancetoviewsampleresumes.

Oncetheresumeiscompleted,youcandownloaditasaWorddocument,emailittopotentialemployersandaddacoverletter.Youcanalsomaintainitonsite,updateitasneeded,andmakeitavailableasaWebpage.

Soyoucanseethatyourcomputercanbeaverypowerfultoolinaidingyouinyourjobsearch.Useyourcomputereffectivelyandyouwillfindyourjobsearcheffortsrewardedtoyoursatisfaction.





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2014年6月12日 星期四

Surviving As An Expatriate - In Rome Do As The Romans Do

As a result of technological advancement and globalization, more and more people are relocating and finding jobs overseas. In fact, there are niche agencies that exist to help plan the whole process, ensuring a smooth transition. Still, even with expert help, expatriates are often faced with many difficult issues when trying to find a job in a new country. The primary opposition simply comes from the fact that you are an expatriate.

In order to overcome the cultural divide and achieve your goal of finding a great job in your new home, be a quick learner. Learn how to interpret cultural gestures and facial expressions, and learn the lingo. Failure to do so can make your job market activity experience a frustrating venture, creating invisible employment barriers that you may not even be aware of. The good news is that simply being cognizant about how to overcome employment barriers will put you on the course to successfully achieving your job goal. So, as a start, be quick to embrace and emulate your new country





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2014年6月11日 星期三

Legal Assistants Paralegals And Lawyers - What s The Difference

If you've ever dreamed of one day becoming a lawyer but you've been hesitant to take the plunge, a viable alternative would be a legal assistant or paralegal. Both are two peas in a pod and thus either one is probably as close as you can get to becoming a lawyer, without actually being a lawyer.

In addition, employment in this field is projected to grow much faster than average. The current trend of employers trying to reduce costs by hiring paralegals to perform duties formerly carried out by lawyers is expected to continue into the foreseeable future. As a result, employment opportunities are projected to grow much faster than average for the next 10 years or so.

From doing extensive research on various cases to helping create legal drafts and filing every important legal document, interested individuals can actually learn all that even in the comfort of their own homes through online paralegal training.

Online Training

From doing extensive research on various cases to helping create legal drafts and filing every important legal document, interested individuals can actually learn all that even in the comfort of their own homes through online paralegal training.

This is where you'll actually get the basic knowledge that you'll need in order to become a full-pledged legal assistant. However, be advised that law firms as well as other legal institutions are looking for highly skilled legal assistants who can outwit others with their keen sense of critical thinking.

Many online legal assistant and paralegal training programs will condense 27 subject units into 10 with 6 and 12-month certificate programs being offered. How you want to approach the training is really up to you and how the different options being offered best fit in your budget, schedule and how quickly you can master the subject matter.

Online paralegal training clearly has its' perks with the obvious one being convenience.

One must always keep in mind that even though the paralegals or legal assistants' primary function, whether working for a private law firm or government agency, is to assist the lawyers with their case loads. Duties include extensive case research and organizing all types of files, drafting contracts for clients, mortgages, drafting of separation agreements, tax returns, planning estates as well as other important legal duties.

However, there are actually some paralegals that do more than that. At times, they are also asked to organize and coordinate the schedules and activities of other employees in the law office, perhaps even to track law office financial records. Of course, this is clearly employer dependent and on the skill set each legal assistant brings to the table. On the other hand, it's always best to be prepared for such tasks, which is why you never place limits on yourself and why you should always be looking for ways to obtain additional training. In other words, even after you earn a 6 or 12-month certificate online keep going.

A few simple ways to enhance your knowledge is by reading various law books as well as absorbing the legal environment by watching the news and keeping abreast of current events. One should always strive to keep themselves up to snuff with whatever is happening in the news and try to challenge yourself even further by coming up with arguments and other legal discussions concerning whichever cases you've been assigned to handle.

Online training boasts of some of the best minds in the legal profession. They can offer their expertise in creating drafts for whichever situation that they may have a use for it and basically just give legal assistant hopefuls the basic knowledge behind law.

Due to the current and projected abundance of work opportunities is one of the primary reasons why there's been a literal mushrooming of online paralegal training sites popping up. Many of the traditional brick and mortar training schools and facilities are now offering online training.

Browse through all sorts of online paralegal training sites, compare training fees as well as how extensive their online paralegal training programs are. You'll make a wise chose if you put the same effort into finding the right source to train you and as plan on putting into the learning process once you choose who to receive your training from.

A great place to research and find answers to everything "paralegal" is Total Paralegal. Simply click the Online Paralegal Training link in the resource box below.

This article may be reproduced only in its entirety.





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2014年6月10日 星期二

The Blessings of the Black Economy

Some call it the "unofficial" or "informal" economy, others call it the "grey economy" but the old name fits it best: the "black economy". In the USA "black" means "profitable, healthy" and this is what the black economy is. Macedonia should count its blessings for having had a black economy so strong and thriving to see it through the transition. If Macedonia had to rely only on its official economy it would have gone bankrupt long ago.

The black economy is made up of two constituent activities:

Legal activities that are not reported to the tax authorities and the income from which goes untaxed and unreported. For instance: it is not illegal to clean someone's house, to feed people or to drive them. It is, however, illegal to hide the income generated by these activities and not to pay tax on it. In most countries of the world, this is a criminal offence, punishable by years in prison.

Illegal activities which, needless to say, are also not reported to the state (and, therefore, not taxed).

These two types of activities together are thought to comprise between 15% (USA, Germany) to 60% (Russia) of the economic activity (as measured by the GDP), depending on the country. It would probably be an underestimate to say that 40% of the GDP in Macedonia is "black". This equals 1.2 billion USD per annum. The money generated by these activities is largely held in foreign exchange outside the banking system or smuggled abroad (even through the local banking system). Experience in other countries shows that circa 15% of the money "floats" in the recipient country and is used to finance consumption. This should translate to 1 billion free floating dollars in the hands of the 2 million citizens of Macedonia. Billions are transferred to the outside world (mostly to finance additional transactions, some of it to be saved in foreign banks away from the long hand of the state). A trickle of money comes back and is "laundered" through the opening of small legal businesses.

These are excellent news for Macedonia. It means that when the macro-economic, geopolitical and (especially) the micro-economic climates will change – billions of USD will flow back to Macedonia. People will bring their money back to open businesses, to support family members and just to consume it. It all depends on the mood and on the atmosphere and on how much these people feel that they can rely on the political stability and rational management. Such enormous flows of capital happened before: in Argentina after the Generals and their corrupt regime were ousted by civilians, in Israel when the peace process started and in Mexico following the signature of NAFTA, to mention but three cases. These reserves can be lured back and transform the economy.

But the black economy has many more important functions.

The black economy is a cash economy. It is liquid and fast. It increases the velocity of money. It injects much needed foreign exchange to the economy and inadvertently increases the effective money supply and the resulting money aggregates. In this sense, it defies the dictates of "we know better" institutions such as the IMF. It fosters economic activity and employs people. It encourages labour mobility and international trade. Black economy, in short, is very positive. With the exception of illegal activities, it does everything that the official economy does – and, usually, more efficiently.

So, what is morally wrong with the black economy? The answer, in brief: it is exploitative. Other parts of the economy, which are not hidden (though would have liked to be), are penalized for their visibility. They pay taxes. Workers in a factory owned by the state or in the government service cannot avoid paying taxes. The money that the state collects from them is invested, for instance, in infrastructure (roads, phones, electricity) or used to pay for public services (education, defence, policing). The operators of the black economy enjoy these services without paying for them, without bearing the costs and worse: while others bear the costs. These encourages them, in theory to use these resources less efficiently.

And all this might be true in a highly efficient, almost ideal market economy. The emphasis is on the word "market". Unfortunately, we all live in societies which are regulated by bureaucracies which are controlled (in theory, rarely in practice) by politicians. These elites have a tendency to misuse and to abuse resources and to allocate them in an inefficient manner. Even economic theory admits that any dollar left in the hands of the private sector is much more efficiently used than the same dollar in the hands of the most honest and well meaning and well planning civil servant. Governments all over the world distort economic decisions and misallocate scarce economic resources.

Thus, if the goals are to encourage employment and economic growth – the black economy should be welcomed. This is precisely what it does and, by definition, it does so more efficiently than the government. The less tax dollars a government has – the less damage it does. This is an opinion shares by most economists in the world today. Lower tax rates are an admission of this fact and a legalization of parts of the black economy.

The black economy is especially important in times of economic hardships. Countries in transition are a private case of emerging economies which are a private case of developing countries which used to be called (in less politically correct times) "Third World Countries". They suffer from all manner of acute economic illnesses. They lost their export markets, they are technologically backward, their unemployment skyrockets, their plant and machinery are dilapidated, their infrastructure decrepit and dysfunctional, they are lethally illiquid, they become immoral societies (obligations not honoured, crime flourishes), their trade deficits and budget deficits balloon and they are conditioned to be dependent on handouts and dictates from various international financial institutions and donor countries.

Read this list again: isn't the black economy a perfect solution until the dust settles?

It enhances exports (and competitiveness through imports), it encourages technology transfers, it employs people, it invests in legitimate businesses (or is practised by them), it adds to the wealth of the nation (black marketeers are big spenders, good consumers and build real estate), it injects liquidity to an otherwise dehydrated market. Mercifully, the black economy is out of the reach of zealous missionaries such as the IMF. It goes its own way, unnoticed, unreported, unbeknownst, untamed. It doesn't pay attention to money supply targets (it is much bigger than the official money supply figure), or to macroeconomic stability goals. It plods on: doing business and helping the country to survive the double scourges of transition and Western piousness and patronizing. As long as it is there, Macedonia has a real safety net. The government is advised to turn a blind eye to it for it is a blessing in disguise.

There is one sure medicine: eliminate the population and both unemployment and inflation will be eliminated. Without the black economy, the population of Macedonia would not have survived. This lesson must be remembered as the government prepares to crack down on the only sector of the economy which is still alive and kicking.

Operational Recommendations

The implementation of these recommendations and reforms should be obliged to be GRADUAL. The informal economy is an important pressure valve for the release of social pressures, it ameliorates the social costs inherent to the period of transition and it constitutes an important part of the private sector.

As we said in the body of our report, these are the reasons for the existence of an informal economy and they should be obliged to all be tackled:

High taxation level (in Macedonia, high payroll taxes)

Onerous labour market regulations

Red tape and bureaucracy (which often leads to corruption)

Complexity and unpredictability of the tax system

Reporting Requirements and Transparency

All banks should be obliged to report foreign exchange transactions of more than 10,000 DM (whether in one transaction or cumulatively by the same legal entity). The daily report should be submitted to the Central Bank. In extreme cases, the transactions should be investigated.

All the ZPP account numbers of all the firms in Macedonia should be publicly available through the Internet and in printed form.

Firms should be obliged by law to make a list of all their bank accounts available to the ZPP, to the courts and to plaintiffs in lawsuits.

All citizens should be obliged to file annual, personal tax returns (universal tax returns, like in the USA). This way, discrepancies between personal tax returns and other information can lead to investigations and discoveries of tax evasion and criminal activities.

All citizens should be obliged to file bi-annual declarations of personal wealth and assets (including real estate, vehicles, movables, inventory of business owned or controlled by the individual, financial assets, income from all sources, shares in companies, etc.)

All retail outlets and places of business should be required to install – over a period of 3 years – cash registers with "fiscal brains". These are cash registers with an embedded chip. The chips are built to save a trail (detailed list) of all the transactions in the place of business. Tax inspectors can pick the chip at random, download its contents to the tax computers and use it to issue tax assessments. The information thus gathered can also be crossed with and compared to information from other sources (see: "Databases and Information Gathering"). This can be done only after the full implementation of the recommendations in the section titled "Databases and Information Gathering". I do not regard it as an effective measure. While it increases business costs – it is not likely to prevent cash or otherwise unreported transactions.

All taxis should be equipped with taximeters, which include a printer. This should be a licencing condition.

Industrial norms (for instance, the amount of sugar needed to manufacture a weight unit of chocolate, or juice) should be revamped. Norms should NOT be determined according to statements provided by the factory - but by a panel of experts. Each norm should be signed by three people, of which at least one is an expert engineer or another expert in the relevant field. Thought should be dedicated to the possibility of employing independent laboratories to determine norms and supervise them.

Payments in wholesale markets should be done through a ZPP counter or branch in the wholesale market itself. Release of the goods and exiting the physical location of the wholesale market should be allowed only against presentation of a ZPP payment slip.

Reduction of Cash Transactions

Cash transactions are the lifeblood of the informal economy. Their reduction and minimization is absolutely essential in the effort to contain it. One way of doing it is by issuing ZPP payment (debit) cards to businesses, firm and professionals. Use of the payment cards should be mandatory in certain business-to-business transactions.

All exchange offices should be obliged to issue receipt for every cash transaction above 100 DM and to report to the Central Bank all transactions above 1000 DM. Suspicious transactions (for instance, transactions which exceed the financial wherewithal of the client involved) should be duly investigated.

The government can reduce payroll taxes if the salary is not paid in cash (for instance, by a transfer to the bank account of the employee). The difference between payroll taxes collected on cash salaries and lower payroll taxes collected on noncash salaries – should be recovered by imposing a levy on all cash withdrawals from banks. The banks can withhold the tax and transfer it to the state monthly.

Currently, checks issued to account-holders by banks are virtually guaranteed by the issuing banks. This transforms checks into a kind of cash and checks are used as cash in the economy. To prevent this situation, it is recommended that all checks will be payable to the beneficiary only. The account-holder will be obliged to furnish the bank with a monthly list of checks he or she issued and their details (to whom, date, etc.). Checks should be valid for 5 working days only.

An obligation can be imposed to oblige businesses to effect payments only through their accounts (from account to account) or using their debit cards. Cash withdrawals should be subject to a withholding tax deducted by the bank. The same withholding tax should be applied to credits given against cash balances or to savings houses (stedilnicas). Alternatively, stedilnicas should also be obliged to deduct, collect and transfer the cash withdrawal withholding tax.

In the extreme and if all other measures fail after a reasonable period of time, all foreign trade related payments should be conducted through the Central Bank. But this is really a highly irregular, emergency measure, which I do not recommend at this stage.

The interest paid on cash balances and savings accounts in the banks should be increased (starting with bank reserves and deposits in the central bank).

The issuance of checkbook should be made easy and convenient. Every branch should issue checkbooks. All the banks and the post office should respect and accept each other's checks.

A Real Time Gross Settlement System should be established to minimize float and facilitate interbank transfers.

Government Tenders

Firms competing for government tenders should be obliged to acquire a certificate from the tax authorities that they owe no back-taxes. Otherwise, they should be barred from bidding in government tenders and RFPs (Requests for Proposals).

Databases and Information Gathering

Estimating the informal economy should be a priority objective of the Bureau of Statistics, which should devote considerable resources to this effort. In doing so, the Bureau of Statistics should coordinate closely with a wide variety of relevant ministries and committees that oversee various sectors of the economy.

All registrars should be computerized: land, real estate, motor vehicles, share ownership, companies registration, tax filings, import and export related documentation (customs), VAT, permits and licences, records of flights abroad, ownership of mobile phones and so on. The tax authorities and the Public Revenue Office (PRO) should have unrestricted access to ALL the registers of all the registrars. Thus, they should be able to find tax evasion easily (ask for sources of wealth- how did you build this house and buy a new car if you are earning 500 DM monthly according to your tax return?)

The PRO should have complete access to the computers of the ZPP and to all its computerized and non-computerized records.

The computer system should constantly compare VAT records and records and statements related to other taxes in order to find discrepancies between them.

Gradually, submissions of financial statements, tax returns and wealth declarations should be computerized and done even on a monthly basis (for instance, VAT statements).

A system of informants and informant rewards should be established, including anonymous phone calls. Up to 10% of the intake or seizure value related to the information provided by the informant should go to the informant.

Law Enforcement

Tax inspectors and customs officials should receive police powers and much higher salaries (including a percentage of tax revenues). The salaries of all tax inspectors – regardless of their original place of employment – should be equalized (of course, taking into consideration tenure, education, rank, etc.).

Judges should be trained and educated in matters pertaining to the informal economy. Special courts for taxes, for instance, are a good idea (see recommendation below). Judges have to be trained in tax laws and the state tax authorities should provide BINDING opinions to entrepreneurs, businessmen and investors regarding the tax implications of their decisions and actions.

It is recommended to assign tax inspectors to the public prosecutors' office to work as teams on complex or big cases.

To establish an independent Financial and Tax Police with representatives from all relevant ministries but under the exclusive jurisdiction of the PRO. The remit of this Police should include all matters financial (including foreign exchange transactions, property and real estate transactions, payroll issues, etc.)

Hiring and firing procedures in all the branches of the tax administration should be simplified. The number of administrative posts should be reduced and the number of tax inspectors and field agents increased.

Tax arrears and especially the interest accruing thereof should be the first priority of the ZPP, before all other payments.

All manufacturers and sellers of food products (including soft drinks, sweetmeats and candy, meat products, snacks) should purchase a licence from the state and be subjected to periodic and rigorous inspections.

All contracts between firms should be registered in the courts and stamped to become valid. Contracts thus evidenced should be accompanied by the registration documents (registrar extract) of the contracting parties. Many "firms" doing business in Macedonia are not even legally registered.

Reforms and Amnesty

A special inter-ministerial committee with MINISTER-MEMBERS and headed by the PM should be established. Its roles: to reduce bureaucracy, to suggest appropriate new legislation and to investigate corruption.

Bureaucracy should be pared down drastically. The more permits, licences, tolls, fees and documents needed – the more corruption. Less power to state officials means less corruption. The One Stop Shop concept should be implemented everywhere.

A general amnesty should be declared. Citizens declaring their illegal wealth should be pardoned BY LAW and either not taxed or taxed at a low rate once and forever on the hitherto undeclared wealth.

The Tax Code

To impose a VAT system. VAT is one the best instruments against the informal economy because it tracks the production process throughout a chain of value added suppliers and manufacturers.

The Tax code needs to be simplified. Emphasis should be placed on VAT, consumption taxes, customs and excise taxes, fees and duties. To restore progressivity, the government should directly compensate the poor for the excess relative burden.

After revising the tax code in a major way, the government should declare a moratorium on any further changes for at least four years.

The self-employed and people whose main employment is directorship in companies should be given the choice between paying a fixed % of the market value of their assets (including financial assets) or income tax.

All property rental contracts should be registered with the courts. Lack of registration in the courts and payment of a stamp tax should render the contract invalid. The courts should be allowed to evidence and stamp a contract only after it carries the stamp of the Public Revenue Office (PRO). The PRO should register the contract and issue an immediate tax assessment. Contracts, which are for less than 75% of the market prices, should be subject to tax assessment at market prices. Market prices should be determined as the moving average of the last 100 rental contracts from the same region registered by the PRO.

Filing of tax returns – including for the self-employed – should be only with the PRO and not with any other body (such as the ZPP).

Legal Issues

The burden of proof in tax court cases should shift from the tax authorities to the person or firm assessed.

Special tax courts should be established within the existing courts. They should be staffed by specifically trained judges. Their decisions should be appealed to the Supreme Court. They should render their decisions within 180 days. All other juridical and appeal instances should be cancelled – except for an appeal instance within the PRO. Thus, the process of tax collection should be greatly simplified. A tax assessment should be issued by the tax authorities, appealed internally (within the PRO), taken to a tax court session (by a plaintiff) and, finally, appealed to the Supreme Court (in very rare cases).

The law should allow for greater fines, prison terms and for the speedier and longer closure of delinquent businesses.

Seizure and sale procedures should be specified in all the tax laws and not merely by way of reference to the Income Tax Law. Enforcement provisions should be incorporated in all the tax laws.

To amend the Law on Tax Administration, the Law on Personal Income Tax and the Law on Profits Tax as per the recommendations of the IRS experts (1997-9).

Customs and Duties

Ideally, the customs service should be put under foreign contract managers. If this is politically too sensitive, the customs personnel should be entitled to receive a percentage of customs and duties revenues, on a departmental incentive basis. In any case, the customs should be subjected to outside inspection by expert inspectors who should be rewarded with a percentage of the corruption and lost revenues that they expose.

In the case of imports or payments abroad, invoices, which include a price of more than 5% above the list price of a product, should be rejected and assessment for the purposes of paying customs duties and other taxes should be issued at the list price.

In the case of exports or payments from abroad, invoices which include a discount of more than 25% on the list price of a product should be rejected and assessment for the purposes of paying customs duties and other taxes should be issued at the list price.

The numbers of tax inspectors should be substantially increased and their pay considerably enhanced. A departmental incentive system should be instituted involving a percentage of the intake (monetary fines levied, goods confiscated, etc.)

The computerized database system (see "Databases and Information Gathering") should be used to compare imports of raw materials for the purposes of re-export and actual exports (using invoices and customs declarations). Where there are disparities and discrepancies, severe and immediate penal actions should be taken. Anti-dumping levies and measures, fines and criminal charges should be adopted against exporters colluding with importers in hiding imported goods or reducing their value.

Often final products are imported and declared to the customs as raw materials (to minimize customs duties paid). Later these raw materials are either sold outright in the domestic or international markets or bartered for finished products (for example: paints and lacquers against furniture or sugar against chocolate). This should be a major focus of the fight against the informal economy. I follow with an analysis of two products, which are often abused in this manner.

I study two examples (white sugar and cooking oil) though virtually all raw materials and foods are subject to the aforementioned abuse.

White Sugar is often imported as brown sugar. One way to prevent this is to place sugar on the list of LB (import licence required) list, to limit the effective period of each licence issued, to connect each transaction of imported brown sugar to a transaction of export, to apply the world price of sugar to customs duties, to demand payment of customs duties in the first customs terminal, to demand a forwarder's as well as an importer's guarantee and to require a certificate of origin. The same goes for Cooking Oil (which – when it is imported packaged – is often declared as some other goods).

All payments to the customs should be made only through the ZPP. Customs and tax inspectors should inspect these receipts periodically.

All goods should be kept in the customs terminal until full payment of the customs duties, as evidenced by a ZPP receipt, is effected.

Public Campaign

The government should embark on a massive Public Relations and Information campaign. The citizens should be made to understand what is a budget, how the taxes are collected, how they are used. They should begin to view tax evaders as criminals. "He who does not pay his taxes – is stealing from you and from your children", "Why should YOU pay for HIM?" "If we all did not pay taxes- there would be no roads, bridges, schools, or hospitals" (using video to show disappearing roads, bridges, suffering patients and students without classes), "Our country is a partnership – and the tax-evader is stealing from the till (kasa)" and so on.

The phrase "Gray Economy" should be replaced by the more accurate phrases "Black Economy" or "Criminal Economy".





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2014年6月9日 星期一

Managerial Malpractice Claims on the Rise

Protect Your Assets and Executives with D&O Insurance

(ARA) - When disgruntled shareholders, employees, customers or competitors allege financial mismanagement, discrimination or other wrongful acts, blame often lands at the feet of corporate directors and officers. Claims of managerial malpractice are on the rise, along with the costs -- legal fees, settlements and judgments -- associated with them.

Just how expensive can a claim against your company and its officers be? The average shareholder claim rose $1.51 million to $8.67 million in 1999, the highest ever recorded. During the same period, the average employee claim climbed to $306,000, up from $287,000 in 1998.

"That fact is, the threat of lawsuits and litigation costs is a basic risk of corporate directorship," says international risk management expert Thomas W. Harvey. "Because directors' and officers' services are considered fiduciary, requiring decision-makers to exercise their powers in good faith and with prudent judgment, directors and officers risk what essentially are managerial malpractice claims."

According to Harvey, president and CEO of Assurex International, the world's largest privately held commercial insurance brokerage group, directors and officers (D&O) claims typically result from disputes over financial or accounting irregularities or company decisions alleged to adversely affect shareholders' return on investment.

For public companies, shareholder complaints are the most frequent sources of D&O claims. Common shareholder complaints involve financial disclosure, breach of fiduciary duty, fraud, mergers and acquisitions, stock offerings and spin-off-related issues.

Discrimination is the primary employee complaint, followed by wrongful termination, harassment and breach of contract. Clients cite discrimination more often than any other type of complaint. Business interference tops the list of competitors' claims. For both clients and competitors, contract disputes come in second on the list of typical grievances.

"Directors and officers insurance can help mitigate losses when an organization and its directors or officers are slapped with a legal claim," said Harvey. "For responsible organizations operating in the age of workplace lawsuits, D&O insurance is a must."

The Purpose of D&O Insurance

Available for public and private companies, non-profit and for-profit organizations, D&O insurance:

Protects directors and officers with insurance covering matters for which they might not be indemnified under corporate by-laws.

Reimburses the organization after it has indemnified directors and officers in accordance with corporate by-laws.

Motivates the organization to attract quality outside persons to serve as directors or executive managers.

Reassures inside directors and officers.

What Type of D&O Insurance is Right for You?

Your organization's structure will determine the type of D&O coverage application form used by the underwriter. Insurance companies that underwrite D&O policies distinguish between for-profit and non-profit organizations, as well as publicly held and private companies when preparing D&O quotes and policies.

The good news for non-profits: D&O coverage is both broad and reasonably priced for non-profit organizations. Minimum premiums begin well under $1,000. Directors and officers of non-profit organizations can obtain coverage aspects and extensions not available to the directors and officers of for-profit organizations. Non-profit organizations' coverage provisions might include full coverage for the organization, employment practices liability, an affirmative coverage grant for punitive damages (unless prohibited by law), defense expenses payable beyond policy limits and in some cases no per-claim deductible.

When it comes to private versus public company D&O insurance, a major distinction is the scope of coverage available for the organization as an entity. Most publicly held organizations are able to purchase coverage for the organization's liability only for shareholder claims in connection with Securities and Exchange Commission (SEC) liability. Since this exposure is not faced by private organizations (even those with shareholders), underwriters generally exclude the SEC exposure from private companies' D&O policies. But, it is still important that a private organization's D&O coverage not exclude claims brought by shareholders, as many private organizations do indeed have shareholders.

Underwriters of private company D&O insurance offer several coverage forms to cover the organization's liability to the same extent as the liability coverage provided to directors and officers. However, since for-profit D&O policy limits are provided on an aggregate limit basis, payment of covered claims made against the organization erodes the coverage limit available for directors and officers.

Don't Forget Employment Practices Liability Coverage

A benefit of covering private organizations as an entity on a D&O policy, in addition to protecting the directors and officers, is the ready availability of Employment Practices Liability (EPL) coverage. EPL insurance protects employers from workers' claims of discrimination or wrongful termination based on race, sex, age or disability. EPL insurance also protects organizations from third-party liability claims filed by customers and outsiders.

How to Maximize Your D&O Coverage: 15 Buying Tips

D&O insurance coverages are highly negotiable. Your insurance agent should make every effort to customize D&O coverage to meet the unique needs of your organization and its management structure. Market conditions should be taken into account as well.

Assurex International offers 15 tips to maximize your organization's D&O insurance coverage.

Make sure the policy is non-cancelable, except for non-payment of the premium. Require the insurer to give a minimum of 90 days written notice of non-renewal.

Strive for an affirmative coverage statement regarding punitive damages.

Be clear on the extent of entity coverage afforded, for settlements, judgments and defense expenses. As an alternative, pre-set an allocation percentage (ideally 100 percent) for the entity. Generally, for publicly held entities, the only entity coverage available is for SEC-related claims. While broader entity coverage is available, D&O entity coverage is still evolving.

Is the policy endorsed to extend to EPL claims? This extension is valuable only if the entity is specifically covered for EPL claims.

If your organization is publicly held, have your agent investigate a coverage carve out in the exclusionary language for pollution-related claims, covering shareholder suits against directors and officers.

Generally, exclusionary language for Professional Services or for Errors or Omissions is too broad. Request coverage carve out for failure to supervise, if the exclusion cannot be removed entirely.

Secure a written commitment from the insurer for multiple-year pricing, or language that restricts possible premium increases to significant financial changes, a major acquisition or significant claims activity.

Seek automatic coverage for newly acquired or created organizations, with no additional premium payable with policy renewal or anniversary.

Make sure there is a specific provision for the insurer to advance defense costs to the insured.

Arrange for pre-approval of the insurer's choice of defense counsel.

Secure coverage for non-officer employees named in a covered suit with officers and/or directors.

Be sure a minimum of 12 months is allowed for the Extended Reporting period (discovery clause).

Have legal counsel review the D&O policy application forms before submitting them.

Extend coverage to include outside directorships.

Have your insurance broker obtain a carve out from the usual insured versus insured exclusion to cover claims brought by bankruptcy trustees, federal or statutory receivers, and debtors-in-possession. This is valuable in situations involving bankruptcy of the insured organization.

D&O insurance will not necessarily protect your organization against intentional wrongdoing such as fraud, theft or blatant disregard for employees' rights. However, whether your organization is private, public or non-profit, D&O insurance should be a component of your overall insurance and risk management program.

Assurex is the world's largest grouping of privately held risk management and commercial insurance brokerages. Visit Assurex online at





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