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Tag: Finance

Under Whose Control?

Who has power over you? Who controls you? Who are you are afraid of? The one that says jump and you ask immediately how high?

I suspect a few men would softly say that one person is their wife.

No, that’s just a joke!

Without realizing it, many of us are in the power of something. For example: Without realizing it, our lifestyle often controls us. We’ve chosen to live according to a certain lifestyle and to maintain that lifestyle take a lot of hard work on my part.

Some have to put in extra hours, some even have to work weekends just to get enough money to maintain that lifestyle. Now we can no longer do what we want to. I can’t simply decide to go away for the weekend, because then there will be too little money at the end of the month to pay all the bills.

Our chosen lifestyle with its high expenses controls us. We’re no longer under our own control. Something else determines on what our time is spent.

Lifestyle can be replaced by many other things: reputation, work, money, luxury, dreams, desires and even happiness (do you have more to add?). In a way, any of these things can get such a hold of you that you are no longer free to make your own choices.

Some of my friends have taken a year-long sabbatical, leaving their jobs and touring with their families that whole year long. They’ve realized that other things are more important.

Immediately I can hear you agreeing with me: That’s if you can afford to do it! The sabbatical that is. But doesn’t such a reaction show that we’re under control of one or other power, in this case money?

Maybe it’s time again to sit down and reflect on your life a little. Look at what controls you. Find those things that have power over you, where you don’t have much of a choice. Ask yourself whether it is worth it to go on like this.

13… He’s set us up in the kingdom of the Son he loves so much…

Only Jesus should have power over us. He must be able to tell us what to do and those things are the only things we should do. And this is not power like bossing you around. No, Jesus wants to control us in love. Jesus is love through and through. In love He died for us on the cross. In love He only wants what is best for us. In love He wants to lead us to live right here on earth, for our own good.

Jesus must be head of all of our lives. When I make decisions, I must first go to Jesus to be led by Him in love. I wish I could get this right more often, because then the pain and hurt I cause will disappear like mist before the sun.

Scripture

Colossians 1:12-14

Reflection

Who controls you?

Is Jesus somewhere in …

Remove Personal Security – Personal Security Removal Instructions

Personal security is a fake anti-spyware application which displays false pop-ups and security alerts. It reports false infections and security threats on your computer in order to make you think that your computer has been infected. It is in fact a clone of Total security and cyber security malwares. It stimulates system scan and asks you to pay for a version of personal security for removing the infections from your computer.

The fact is that the security threats which are reported either do not exist or are harmless files. It will also block your real security software in order to protect itself from getting deleted. The most important thing to keep in mind is that you should not purchase this application and must immediately take necessary actions to get rid of this threat from your computer as soon as you can.

How Personal Security Spreads to my computer?

The distribution channel of this malware includes peer-to-peer networks, hacked website pages and emails. They also use social engineering in order to distribute the infection. You should also know that it is very important to remove personal security since it usually presents itself as a flash update or video codec or in the form of any other useful software. You must ensure that you do not install anything downloaded from suspicious websites otherwise your computer might get infected if you do not remove personal security.

To make matters worse, most of the time you would not even think about personal security removal since it impersonates windows security. It will show you messages that you will have to activate personal security since your computer is not protected. In fact, legitimate programs do not promote any anti-virus software at all. You might see several different types of pop-ups and alert messages if your computer has been infected. If that is the case, you will have to remove personal security manually as soon as possible.

How to remove personal security?

Given below is the complete guide on personal security removal:

1. Start the Windows Task Manager by pressing CTRL+SHIFT+ESC.

2. Next, click on “Processes” and then press “Ctrl”. Next press on winglon. Exe, unins000.exe, services.exe and PerAvir.exe in order to select them all together. Click on End Process and then close Task Manager.

3. The next thing to do is to click on the Run icon and then on start in Windows 7 and Vista.

4. Type in regedit and then click OK in order to launch the registry editor. Browse and delete the following:

HKEY_CURRENT_USERSoftwareMicrosoftWindowsCurrentVersionRun “Personal Antivirus

Once done close the registry editor.

5. Go to the start option and click on search. Search the hard drive which you want. Type in pav.exe and enter to begin the search. Delete all of the items which you find there. Do the same for iv.exe, services.exe, pguard.ini, log.txt, personal antivirus and uninstall personal antivirus. Once you finish deleting all of these files, restart the computer and personal security removal would have been successfully completed.

These were …

How To Find Money In Your Budget For Charity

"I would love to give, but there are so many worthy charities out there that I can not decide." "The rich are able to afford to give to charity." I'm not rich. " "We should take care of those in need in our own country before we give to other countries." All are common excuses (or even reasons) for not giving up a little bit of what we have to help others who need. Most of us feel bad for those with less than us, and want to help, but can not see their way to finding funds within their budgets to reach out. Yet, each of us in North America, regardless of our incoming, have the capacity to "discover" methods by which we can assist those people who are less fortunate than we may be. Yes, even the poorest of us can do so, and definitely the wealthy can redirect money to others, if we choose.

Recently, I visited Ocho Rios, Jamaica. My wife and I took none of the guided tours, ate at none of the tourist attractions, bought nothing from cruise ship-sponsored kiosks. Instead, we walked two miles back through the town center, beyond the acceptable tourist spots, through the local farmers market, behind the preparation areas hidden behind the pallets of local foods, among the local garden and "plantation" areas, and into the residences Bordering the market. From there, we were able to see the contrast between the tarpaulin-roofed homes to the mansions of Mick Jagger and other "rich and famous" homeowners. It was overwhelming. But how could we, with only a hundred dollars or so, make any difference? And what right did I have to act so voyeuristically, peering into the desperate lives of these people as if they were zoo animals on display?

This private dissection served a purpose: it made me think, "how can I help?" I came up with several solutions.

First, I write for a living. That day, I began a new manuscript, calling on the images and experiences that day in Jamaica. I will be publishing it within the year, and every penny of revenues will be directed to Ocho Rios. If I were to simply hand over the cash to a relief agency, much of it might not make it into the hands of those in need. I expect to earn only a modest amount from this book. I know a couple from Jamaica who will take the money I earn each year, proceed to the farmers market, and discretely distribute money to several of the vendors. Every penny. What difference will it make? For a brief period, those families will benefit. And there is one solution, for each of us who cruise or take vacations in countries like Honduras, Belize, Jamaica, etc. Take half of the money that you had intended to spend on souvenirs, tours and local trips for yourself, and give it away discretely. Not willing to part with fifty percent? How about 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}? Any amount …

The 10 P’s Of Personal Packaging

There are 10 basic P’s we can all incorporate into our business personas. Remember minding your P’s and Q’s your mother always told you.

Well, now we can all achieve that goal. Keep in mind this is a continuingly evolving process. No one can be perfect on every point. However, it is important to recognize that these attributes are a part of the well prepared competent professional and with a little practice it could be you.

10 P’s of Packaging Yourself

o Perceptive – You really listen to what people are saying and what message they are intending to convey.

o Performer – You get the job done. Not just occasionally but on time and with credible results.

o Persistent – You never give up. Did you know that very rarely is a sale made on the first contact. Research shows it may take as many as 12 contact before closure is made.

o Poised – No matter what happens you keep your cool. If a disaster strikes interject little humor into the situation.

o Prepare – The more you can anticipate and be prepared the better the outcome. You know what you plan to accomplish when you walk out that door or pick up a phone.

o Proactive – Don’t wait for opportunities to come to you. Seek, them out. Take time weekly to find ways to be proactive about your own persona.

o Productive – We are all time crunched so be productive in the time you assign to any task. Minimize interruptions and keep on track with your assignments. Results count more than the “show” about getting the job done.

o Purposeful – You have a game plan in mind not blindly running around from task to task. You have short and long ranges plans though out and actively work to pursue those goals and objectives.

o Professional – Look and act the part. Be well groomed and well dressed for any situation. You have the necessary business skills and tools to keep ahead of the curve.

o Punctual – Be on time for most anything. If you are going to be late be sure that someone is apprised of the fact you will be tardy.

So if you have your P’s in order get busy “Packaging Yourself” for success.…

Home Insurance – Little Oversights That Raise Your Rate

Insure the house excluding the land it's built on. There is not any need to insure the land on which your home is built. No matter what happens, the land on which your house is built will still be where it was. Remember to give the value of the house minus the land when applying. This is because doing otherwise will mean you'll be buying much more than is useful. You'll just be paying far more than you should.

Check your coverage limits each time there are changes in your home, its contents or, generally two times annually. This is not really to make savings but to help you evaluate if your coverage is adequate. Howbeit, you might be getting too much coverage.

You need to confirm that that valuable Persian rug is still worth the amount you insured, more or less. Although you may find that you have inadequate coverage and as a result have to extend your coverage limits, you may also notice that you are over-insured and therefore save when you bring down your coverage to the correct amount.

Regardless of the fact this does not touch your home insurance policy directly I'll include it because it affects what you've got to pay for before you'll be deemed to have adequate coverage for your home. Houses in flood-place places are not properly protected without a flood insurance policy and this means around $ 500 every year. Every mortgagor will demand that you get it if your home is in a flood-prone locality. Unless you are sure the additional expense is worth it, you'll spend less if you buy a home in areas that will not call for flood insurance.

Home Insurance – A Step You Must Not Miss

The most important key to reasonable savings in home insurance is comparison shopping – That's if you do it well. You can get quotes that will have a range in excess of $ 1,000. You could conveniently save that much by just going with the lowest quote. This should apply if you're just after the lowest price. Neverheless, if you're looking for the best price / value then you would have to check the details of the cheapest quotes. Different insurance companies may have slight differences for similar policies. It's a good idea to ask the agent what's part of the deal and what's not. …

Features of Custom Boxes Instead of Labeling

A standout amongst the most well-known misinterpretations among clients and producers is that custom box packaging is beneficial for branding but this is one of the goals of the production process however it offers upgraded insurance and in addition presentation for the required products. Everything relies on upon the way the container is conceptualized and designed. There are countless features of custom boxes. The custom boxes are basically used for business purposes. It might be advertising and promotion however, they have many other advantages besides their professional production.

Guarantee of Permanent Safeguard:

A custom covering illustration guarantees that the measurements, shapes, and work is generated to provide entire security to the substance. The producer remain save from harm. Every client want his commodity to be preserved. Everyone like to buy save safe product on which his consumer trust is attached from brand.

Re-Using Features:

The leading advantage of them are their re-utilization. These can be exploited again and again. Cardboard is a very sturdy substance used in the manufacture of this purpose. It is very effective medium of packaging. The labels are also permanent in nature. This feature produces them as exceptional products. The containers constructed from the cardboard is everlasting like. The durability of them are in zenith in nature.

Imaginative Design:

The best attribute about innovative design is the exploitation of inventive plans. Development does not generally show out-of-the-world favor plans. The design is produced by vector graphics. Additionally, professional web designers are given task to execute it out. They perform this process very efficiently.

This creative design can be employed for different purpose like in responsive web designing, printing process and also in other advertising mediums. With these templates, artistic representations can be made for many products. More featured design will manufacture more ingenious items for various industries. It could be a wholesale and retail business.

Perfect Packaging Materials:

Placing everything in a cardboard box simply does not legitimize the bundling needs of an item. The best results are acquired from the utilization of materials that provide most extreme insurance to the item for which its “freshness” is guaranteed. There are items which require particular stockpiling conditions. In the event that these materials were to be chosen precisely, then the odds of saving the item in mint condition would be enhanced fundamentally.

Compelling Communication

A custom design outline permits makers to adequately convey data identified with the item and additionally the brand keeping in mind the end goal to advance to the clients. Customary packing simply doesn’t mold it like a custom bundle. At the point box manufacturing producer thinks packing outline, then he gets a considerable measure of chances to impart data by utilizing the surface to its most extreme potential.

A Personal Touch

Custom boxes are quite often joined by an individual note or any component that adds an individual touch to them. It may not require any noteworthy speculation, but rather it adds a great deal of significant worth to your items. It is …

Personal Life Destiny Analysis

Every journey has it beginning and so is yours life journey to begin with.

The very moment you came into this Earth, your journey of your life destiny begins. And together with you, you brought along a very personal Heaven luck; a luck that belongs solely to you and nobody else.

And hidden within this luck is the very key to your life destiny.

Take it or leave it. Whatever you are born into the riches with the best of the environment or the poor, your life begins here.

But now that you are actually reading this, you should be happy and feeling glad. Why do I say so? Just think about it. Are not things great that you are actually here as a human, reading this? I do not think you would actually prefer to start off your life as any other animals or creatures in this world?

Now that you are given this luck of having the intelligence of a human, you have the power and the choice to make a difference to things.

And to embark on this journey of life, Personal Life Destiny Analysis is a tool that can help you discover your destiny; a tool that can provide you with wise guidance.

Calculated based on your personal heaven luck (year, month, day and hour of your birth), it accurately reveals your personal element of life; personality, individual strengths and weaknesses that can be applied to career choices and other major life decision.

You will get to understand also the different period of luck you will meet in your life; when is bad and when is good. Understand this. You are certainly not going to be bond to ill luck all your life. Just recall. Have not you experienced times when everything seems just so smooth, succeeding in everything with even the least of effort? But then again times when things just does not go the way you want to finish the fullest of your effort?

And likewise, you will get to understand who can be there to help you and who to be better avoiding. You must understand this. You can never rule this world alone.

Now, to be trying hard in life is definitely not a bad thing but to be trying hard in the wrong way, it is. To succeed in life, we have to always work things around the smart ways?

Remember this. You are just who you are, why make things difficult for yourself. Learn to love yourself and be true to yourself. You are given your strength for a reason. And you are given the intelligence to recognize your weaknesses, not to put down yourself.

Understand yourself, your very own life destiny and you can better prepare yourself for your journey in life; reasonably knowing what to proceed with and what to avoid, when to go for it and when to better be on your guard. Surely with a better understanding of your life destiny, you can make better plans …

Best Tips on Group Health Insurance

Perhaps many of you are wondering what a group health insurance policy really means. Well, the answer is not complicated at all! It is just an insurance coverage made by an employer or other authority that is meant to cover all individuals in a particular group!

A group health insurance gives an employer the advantage of not paying the whole premium for the insurance policy in order to cover his employees. In the past, an employer was expected to pay for all the benefits of the employees, but fortunately, now the times have changed and an employer only has to donate just a part of the health insurance premium of the employees.

The general attitude of the insurance companies is to offer lower rates for a group health insurance than on an individual one. This is the main reason why people who are self employed to be aiming for a small business health insurance too. These persons can not be blamed, even if they incorporated to give the insurance company the impression of a larger corporation, as they are only trying to get a good deal on their small business health insurance rates. The result is that each and every person struggles to get an insurance plan, as a small business health insurance is very cheap when compared to individual health insurance.

It is a commonly known fact that group health insurance plans are very much appreciated by all the employees. This is the main reason why most employees value it very much too. A group health insurance policy or a small business health insurance has contributed to the success of many organizations. They have that enabled them to continue employ new people and, at the same time, keep the best people in their business!

No matter what group health insurance plans, service suppliers or a health maintenance plans that a company may offer, there are so many places where you can get informed about these things. You must carefully analyze the group health insurance quotes that a number of insurance companies offer, before deciding if there is something to suit your expectations.

In order to make the best decision regarding a group health insurance, a recruiter must study all the websites and brochures of the health insurance companies that the employee has selected and intends to engage. After comparing their service plans, costs and methods of payment, you must also keep an eye on the starting and ending dates of the insurance policies. The interesting, but disturbing thing is that some health insurance companies only cover you from your third payment, therefore you must be very well informed before making such an important decision.

Last, but not least, there is one more thing you'll have to consider before choosing a group health insurance plan or a small business health insurance: there should be any services or illnesses that are excluded from the policy, it is best to know it from the start. This is the main reason why it …

International Travel Medical Insurance – Do I Need One?

First, let's define what an International Travel Medical Insurance is. International Travel Medical Insurance is a short-term medical insurance plan that provides among other things medical coverage associated with international traveling. It is sometimes known as Travel Medical Insurance for short.

Do not confuse Travel Medical Insurance with International Health Insurance which typically is an annual plan that provides more comprehensive medical coverage for people living abroad. This is sometimes known as the Expatriate Health Insurance or Global Health Insurance.

The following are some of the typical benefits found in International Travel Medical Insurance:

  • Reimbursement of eligible medical expenses,
  • Trip Interruption,
  • Lost checked luggage,
  • Emergency medical evacuation,
  • Emergency reunion,
  • Emergency dental,
  • Accidental death and dismemberment,
  • Return of remains.

More and more International Travel Medical Insurance plans are also providing the following additional benefits as their standards:

  • Terrorism coverage,
  • Hospital indemnity (or hospital daily cash)
  • Complications of pregnancy,
  • Acute sunset of a pre-existing condition,
  • Natural disaster,
  • Travel assistance such as pre-trip health and safety advisories, emergency cash transfers, lost passport or travel document assistance, bail bond assistance, etc.

Some may even provide:

  • Incidental home country coverage for a short return to home country during coverage period,
  • End of trip home country coverage of say, an additional 30 days at an extra premium.

Just like all medical insurance plans, there are deductibles, coinsurance percentages and overall maximum limits associated with International Travel Medical Insurance. Different levels and combinations of these benefit features will give rise to different premium rates.

The detailed explanations of these benefit items are beyond the scope of this paper. For more information, readers are encouraged to refer to the link provided in the resource box.

Now back to the question of "Do I need an International Travel Medical Insurance?" Before we answer this rhetorical question, let's examine some of the real risks associated with international traveling . We are talking about risks of:

  • Not knowing where to go or who to turn to when you have a medical situation in a foreign country;
  • Exposing yourself and your loved ones to sub-standard medical care that may further exacerbate your pain and suffering and putting your life at risk;
  • Emergency medical situations that may require you to be evacuated to save your life;
  • Emergency situations that develop due to act of war, terrorism or natural disaster.

Unfortunately, the above calamities are real in the world that we all live in today. From the financial point of view, it is not wise and illogical for an individual to assume all these risks. Furthermore, some of these risks are far beyond financial and in the case of an emergency it could mean live or death.

In short, whether you travel for business or pleasure, international travel involves risk. You may arrive at your destination to find that your luggage with personal items has disappeared. A personal emergency may necessitate your early return to your Home Country. A medical emergency may require hospitalization or even air evacuation. In most cases, your existing insurance

When Should You Make a Holiday Claim?

Choosing when to make a compensation claim for a problem that has occurred on holiday depends largely as to what the problem is and how long the holiday is expected to last. Holiday claims for damage or loss of property are typically handled by the tour operator or, in most cases, the traveler's holiday insurance provider.

It is usually sensible to report any instances of damage or loss of property immediately, so these types of claim can be initiated on foreign soil. Personal injury cases, on the other hand, must be deal with in a certain way and within a specific time-frame. Accordingly, while it is essential that a number of steps must be taken abroad, it is usually necessary to initiate proceedings at home.

Claiming for holiday accidents that result in personal injury can be tricky affairs. In terms of initiating a personal injury claim in the country in which the accident occurred, this is usually only possible or worthwhile if the claimant can be easily traced and the law firm chosen to represent the claimant has a professional professional standing and is, ideally, based in the UK. However, the accepted – and often the onlyiable – approach is for the injured party to bring a claim for compensation after he or she has returned to the UK. In this respect, it is only possible to make a claim for compensation against the tour operator (assuming the claimant had suffered the injury while on a package holiday) or travel agent based in the UK.

Furthermore, the same basic principles of negligence law must be established before a claim can be brought successfully; these principles will be discussed in more depth below but, in short, the claimant must be able to establish that the negligence of the tour operator or travel agent caused the personal injury. It is not enough to simply suffer an injury while on a package holiday. In fact, for liability to be established under the Package Tour Regulations 1992, the claimant must prove that a specific aspect of the package holiday was to blame for the injury; for example, liability could be established if an overhead fan in the hotel fell upon the victim, whereas liability would almost certainly not be established if the victim sustained an injury while engaging in a sport or other activity that was not part of the package holiday.

As mentioned above, negligence claims require certain fundamental principles to be established before compensation can be awarded to the claimant. Firstly, it must be shown that the defendant owed a duty of care to the claimant at the time of the accident or injury; secondly, the defensive must have breached his duty of care; and, finally, the breach must have caused the harm. These basic ingredients of negligence law apply to claiming compensation for accidents abroad. A victim of a holiday accident must also bring the claim within a certain time frame – three years is the time limit afforded to adults …