Transmission Repair or Replacement

In order to be a responsible and reliable vehicle owner, it is necessary to have occasional maintenance done. To keep things running their best and lasting as long as possible, you must get occasional inspections and improvements from someone who knows what they are doing. This means more than opening the hood and checking fluids with a dipstick or just simply looking at it.

A tune-up means that a licensed and qualified mechanic gets under the hood and under the car and looks to see what is happening with all of the systems and components of the automobile. Sometimes, the solution can be something simple like  transmission  repair, but sometimes, it will mean replacement of the whole shifting system. If that is the case, there are a few things you need to understand in order to make sure you that do not get taken for a ride with unnecessary work being done.

If the vehicle has a clutch and a stick shift, it is referred to as a manual system because to go from one gear to another, the driver must physically shift the gears. An automatic system is just that, it requires no human input and transitions on its own.  Transmission  repair and replacement on a manual system is much more straightforward than with an automatic system, but that does not mean it is any less important.

Now that computers can do so much, it is not surprising to learn that even  transmission  repair is not left to the opportunity for human error. Instead, diagnostics are performed with computerized gauges. These take electrical signals from the car to communicate codes that relate to specific issues. This allows the problem to be assessed without having to open everything up and physically examine what is happening.

If the problem that is discovered is too extensive or the cost or  transmission  repair is higher than the cost of replacement, it may be necessary to purchase a whole new system. This can be either brand-new or what they call rebuilt. In most instances, unless you must really save money, go with something new to ensure that you are not simply purchasing someone else’s problems and installing them in your car.

 Transmission  repair is the preferred choice over replacement. It is far less expensive and takes very little time. The fact of that matter is that sometimes the issues that a car has can exceed the skills of a mechanic. That is when it is important to bite the bullet and fork over the cash for something new that will continue to work for years to come.

Promoting Literacy in School Libraries in Sierra Leone

INTRODUCTION

The heart of information literacy is contained within definitions used to describe it. Traditionally librarians have given ‘library induction’ or ‘library skills training’ in a limited role. Library users need to know where the catalogue is, what the services are, and most importantly where the enquiry desk is. This is not to reduce the value of traditional library induction, but libraries and information are also changing. The provision of information through a library in a traditional form has gone through radical alterations. Already in most library and information organisations staffs are adjusting their services with the provision of new media and access to information provision within these organisations. Thus librarians are talking about social inclusion, opportunity, life-long learning, information society and self development.

A plethora of definitions for information literacy abound in books, journal papers and the web. Some of these definitions centre on the activities of information literacy i.e. identifying the skills needed for successful literate functioning. Other definitions are based on the perspective of an information literate person i.e. trying to outline the concept of information literacy. Deriving therefore a single definition is a complex process of collecting together a set of ideas as to what might be, should be, or may be considered a part of information literacy. For example Weber and Johnson (2002) defined information literacy as the adoption of appropriate information behaviour to obtain, through whatever channel or medium, information well fitted to information needs, together with critical awareness of the importance of wise and ethical use of information in society. The American Library Association (2003) defined information literacy as a set of skills needed to find, retrieve, analyze, and use information. While CLIP (2004) defined information literacy as knowing when and why one needs information, where to find it, and how to evaluate, use and communicate it in an ethical manner. Succinctly these definitions imply that information literacy requires not only knowledge but also skills in:

• recognising when information is needed;

• resources available

• locating information;

• evaluating information;

• using information;

• ethics and responsibility of use of information;

• how to communicate or share information;

• how to manage information

Given therefore the variety of definitions and implied explanation information literacy is a cluster of abilities that an individual can employ to cope with, and to take advantage of the unprecedented amount of information which surrounds us in our daily life and work.

STRUCTURE OF THE EDUCATION SYSTEM

Sierra Leone’s current educational system is composed of six years of formal primary education, three years of Junior Secondary School (JSS), three years Senior Secondary School (SSS) and four years of tertiary education-6-3-3-4. (The Professor Gbamanja Commission’s Report of 2010 recommended an additional year for SSS to become 6-3-4-4). The official age for primary school pupils is between six and eleven years. All pupils at the end of class six are required to take and pass the National Primary School Examinations designed by the West African Examinations Council (WAEC) to enable them proceed to the secondary school divided into Junior Secondary School(JSS) and Senior Secondary School (SSS). Each part has a final examination: the Basic Education Certificate Examinations (BECE) for the JSS, and the West African Senior Secondary School Certificate Examinations (WASSCE) for SSS, both conducted by WAEC. Successful candidates of WASSCE are admitted to tertiary institutions based on a number of subjects passed (GoSL,1995)

The curriculum of primary schools emphasizes communication competence and the ability to understand and manipulate numbers. At the JSS level, the curriculum is general and comprehensive, encompassing the whole range of knowledge, attitudes and skills in cognitive, affective, and psychomotor domains. The core subjects of English, Mathematics, Science and Social studies are compulsory for all pupils. At the SSS level, the curriculum is determined by its nature (general or specialist), or its particular objectives. Pupils are offered a set of core (compulsory) subjects with optional subjects based on their specialization. Teaching is guided by the teaching syllabuses and influenced by the external examinations that pupils are required to take at the 3/ 4-year course. English is the language of instruction (GoSL,1995).

The countries two universities, three polytechnics, and two teacher training colleges are responsible for the training of teachers in Sierra Leone. The Universities Act of 2004 provides for private universities so that these institutions too could help in the training of teachers. Programs range from the Teacher Certificate offered by the teacher training colleges to the Masters in Education offered by universities. Pre-service certification of teachers is the responsibility of the National Council for Technical, Vocational and Other Academic Awards (NCTVA). There is also an In-service Teacher Training program (Distance Education Program) conducted for teachers in part to reduce the number of untrained and unqualified teachers especially in the rural areas.

LITERACY IN SIERRA LEONE

In Sierra Leone as it is in most parts of the developing world literacy involves one’s ability to read, write and numeracy. It is the ability to function effectively in life contexts. A literate person is associated with the possession of skills and knowledge and how these could be applied within his local environment. For instance a literate person is believed to be able to apply chemical fertilizer to his crops, fill in a loans form, determine proper dosage of medicine, calculate cash cropping cost and profits, glean information from a newspaper, make out a bank deposit slip and understanding instructions and basic human rights.

Literacy is at the heart of the country’s development goals and human rights (World Bank, 2007). Wherever practised literacy activities are part of national and international strategies for improved education, human development and well-being. According to the 2013 United Nations Human Development Index Sierra Leone has a literacy rate of 34 %.Implicitly Sierra Leone is an oral society. And oral societies rely heavily on memory to transmit their values, laws, history, music, and culture whereas the written word allows infinite possibilities for transmission and therefore of active participation in communication. These possibilities are what make the goal of literacy crucial in society.

In academic parlance literacy hinges on the printed word. Most pupils are formally introduced to print when they encounter schoolbook. School teachers in Sierra Leone continue to use textbooks in their teaching activities to convey content area information to pupils. It is no gainsaying that pupils neither maximise their learning potential nor read at levels necessary for understanding the type of materials teachers would like them to use. Thus the performance of pupils at internal and public examinations is disappointing. Further pupils’ continued queries in the library demonstrate that they do not only lack basic awareness of resources available in their different school libraries but also do not understand basic rudiments of how to source information and materials from these institutions. What is more worrisome is that pupils do not use appropriate reading skills and study strategies in learning. There is a dearth of reading culture in schools and this situation cuts across the fabric of society. In view of the current support the Ministry of Education, Science and Technology (MEST) to establish literacy standards in school this situation has proved frustrating as teachers do not know how to better help pupils to achieve this goal. Thus they look up to the school librarians to play a more proactive role.

LITERACY DEMANDS ON SECONDARY SCHOOL PUPILS

In everyday situations school pupils are expected to be able to identify and seek information they need. Providing a variety of reading and writing experiences using varied materials in the school library can help develop pupils’ literacy ability (Roe, Stoodt-Hill and Burns, 2004). The mode of assessment in schools in Sierra Leone includes class exercises, tests, written and practical assignments, as well as written examinations to see pupils through to their next levels. These pupils, for example, need to read content books and supplementary materials in school for homework. Pupils have even more literacy needs in their activities outside school. They need to read signs found in their communities, job applications, road maps and signs, labels on food and medicine, newspapers, public notices, bank statements, bills and many other functional materials. Failure to read and understand these materials can result in their committing traffic violations, having unpleasant reactions to food or medicine, becoming lost, losing employment opportunities and missing desirable programs. Equally so pupils need to write to their relatives and loved ones, instructions to people who are doing things for them, notes to themselves about tasks to be completed, phone messages for colleagues and many other items. Mistakes in these activities can have negative effects on them. Good literacy skills are especially important to pupils who plan to pursue higher education studies. The job market in the country calls for pupils to be literate. For instance most jobs advertised these days require people who have completed their JSS. The fact is that workers need to be able to understand graphic aids, categorized information and skim and scan to locate information. Also the nature of reading in the workplace generally involves locating information for immediate use and inferring information for problem solving. The reading and writing of a variety of documents like memos, manuals, letters, reports and instructions are necessary literacy skills in the workplace.

SCHOOL LIBRARIES IN SIERRA LEONE

School libraries in Sierra Leone are perceived as integral aspect of the county’s educational system. These institutions bring together four major components of the school community: the materials, pupils, teacher and library staff. The main purpose for the establishment of these institutions in schools is to complement the teaching/learning process, if not to support the curriculum. This purpose is achieved in two ways: by providing pupils with the means of finding whatever information they need; and by developing in pupils the habit of using books both for information and for pleasure. Pupils need information to help them with the subjects they learn in school. The textbooks they use and the notes they take in class can be an excellent foundation. They may also be sufficient for revision purposes. But these could not be enough to enable pupils to write good essays of their own or to carry out group projects. School libraries then are expected to complement this effort and therefore are perceived as learning centres.

Pupils need information on subjects not taught in school. School libraries are looked upon as places pupils find information to help them in their school studies and personal development. Through these institutions pupils’ habit of using libraries for life-long education is not only developed but also school libraries could be used to improve pupils’ reading skills. In the school community both pupils and teachers use school libraries for leisure and recreational purpose and for career advancement. The culture of society is also transmitted through use of school libraries. Because of the important role school libraries play in the country’s educational system they are organised in such way that pupils as well as teachers can rely upon them for support in the teaching/learning process. Most of these institutions are managed by either a full-time staff often supervised by a senior teacher. Staffs use varied methods to promote their use including user education.

JUSTIFYING THE LIBRARIAN’S INVOLVEMENT IN PROMOTING LITERACY IN SCHOOL

A pre-requisite for the development of autonomous pupils through flexible resource-based learning approaches is that pupils master a set of skills which gradually enable them to take control of their own learning. Current emphasis in teaching in schools in Sierra Leone has shifted from “teacher-centred” to “pupil-centred” approach thereby making pupils to “learn how to learn” for themselves so that the integration of process skills into the design of the school curriculum becomes crucial (GoSL,1995). It is in this area of “learning” or “information literacy” skills that one can most clearly see the inter-relationship between the school curriculum and the school library. For pupils to become independent users of information and for this to occur it is vital that they are given the skills to learn how to find information, how to select what is relevant, and how to use it in the best way possible for their own particular needs and take responsibility for their own learning. As information literate, pupils will be able to manage information skilfully and efficiently in a variety of contexts. They will be capable of weighing information carefully and wisely to determine its quality (Marcum2002). Pupils do recognise that having good information is central to meeting the opportunity and challenges of day-to-day living. They are also aware of the importance of how researching across a variety of sources and formats to locate the best information to meet particular needs.

Literacy activities in schools in Sierra Leone are the responsibility of content area teachers, reading consultants and school librarians. Of these the role of the school librarian is paramount. As specialist the school librarian is expected to provide assistance to pupils and teachers alike by locating materials in different subjects, and at different reading levels by making available materials that can be used for motivation and background reading. The school librarian is also expected to provide pupils with instructions in locating strategies related to the library such as doing online searches and skimming through printed reference materials. The librarian is expected to display printed materials within his purview, write specialised bibliographies and lists of addresses on specific subjects at the request of teachers. He should be able to provide pupils with direct assistance in finding and using appropriate materials; recreational reading can be fostered by the librarian’s book talks or attractive book displays on high-interest topics like HIV/AIDS, child abuse, child rights, human rights and poverty alleviation. In view of this the fundamental qualities expected of the good school librarian include knowledge of his collection and how to access it; ability to understand the needs of his users more so those of pupils; ability to communicate with pupils and adult users; and knowledge of information skills and how to use information.

ROLE OF THE SCHOOL LIBRARIAN

Pupils’ success in school depends to a large extent upon their ability to access, evaluate and use information. Providing access to information and resources is a long-standing responsibility of the school librarian. The school librarian should provide the leadership and expertise necessary to ensure that the library becomes integral in the instructional program of the school. In school the librarian is the information specialist, teacher and instructional consultant. He is the interface responsible for guiding pupils and teachers through the complex information resources housed in his library (Lenox and Walker, 1993). He is looked up to assist and guide numerous users in seeking to use and understand the resources and services of the library. In this respect the school librarian should inculcate in these users such skills as manual and online searching of information; use of equipment; developing critical skills for the organization, evaluation and use of information and ideas as integral part of the curriculum (Lonsdale, 2003). The school librarian should be aware of the range of available information retrieval systems, identify that most suitable to the needs of pupils and provide expertise in helping them become knowledgeable, if not comfortable, in their use. Since no library is self-sufficient the school librarian can network with information agencies, lending/renting materials and/or using electronic devises to transmit information (Tilke, 1998; 2002).

As information specialist the school librarian should be able to share his expertise with those who may wish to know what information sources and/or learning materials are available to support a program of work. Such consultation should be offered to the whole school through the curriculum development committee or to individual subject teachers. The school librarian should take the lead in developing pupils’ information literacy skills by being involved with the school curriculum planning and providing a base of resources to meet its needs. He should be aware of key educational initiatives and their impact in teaching and learning; he should be familiar with teaching methods and learning styles in school; over all he should maintain an overview of information literacy programmes within the school (Herring, 1996; Kuhlthau, 2004).

Kuhlthau (2004) opined that information seeking is a primary activity of life and that pupils seek information to deepen and broaden their understanding of the world around them. When therefore, information in school libraries is placed in a larger context of learning, pupils’ perspective becomes an essential component in information provision. The school librarian should ensure that skills, knowledge and attitude concerning information access, use and communication, are integral part of the school curriculum. Information skills are crucial in the life-long learning process of pupils. As short term objective the school librarian should provide a means of achieving learning objectives within the curriculum; as long term information skills have a direct impact on individual pupils’ ability to deal effectively with a changing environment. Therefore the school librarian should work in concert with teachers and administrators to define the scope and sequence of the information relevant to the school curriculum and ensure its integration throughout the instructional programs (Tilke, 2002; Birks and Hunt, 2003). Pupils should be encouraged to realise their potential as informed citizens who critically think and solve problems. In view of the relationship between the curriculum and school library, the librarian should serve on the curriculum committee ensuring that information access skills are incorporated into subject areas. The school librarian’s involvement in the curriculum development will permit him to provide advice on the use of a variety of instructional strategies such as learning centres and problem-solving software, effective in communicating content to pupils (Herring, 1996; Birks and Hunt, 2003).

Literacy could be actively developed as pupils need access to specific resources, demonstrate understanding of their functionality and effective searching skills. In this regard pupils should be given basic instruction to the library, its facilities and services and subsequent use. Interactive teaching methods aimed at information literacy education should be conducted for the benefit of pupils. Teaching methods could include an outline of a variety of aides like quizzes and worksheets of differing complexity level to actively engage pupils in learning library skills and improving their information literacy. Classes should be divided into small groups so that pupils could have hands-on-experience using library resources. Where Internet services are available in the library online tutorials should be provided. Post session follow-up action will ensure that pupils receive hands-on-experience using library resources. Teaching methods should be constantly evaluated to identify flaws and improve on them.

Further the school librarian should demonstrate willingness to support and value pupils in their use of the library through: provision of readers’ guides; brochures; book marks; library handbooks/guides; computerization of collection; helpful guiding throughout the library; and regular holding of book exhibitions and book fairs. Since there are community radio stations in the country the school librarian could buy air time to report library activities, resources and services. He can also communicate to pupils through update newspapers. Pupils could be encouraged to contribute articles on library development, book reviews and information about opening times and services. The school librarian could help pupils to form book and reading clubs, organize book weeks and book talks using visiting speakers and renowned writers to address pupils. Classes could also be allowed to visit the library to facilitate use. More importantly the school librarian should provide assistance to pupils in the use of technology to access information outside the library. He should offer pupils opportunities related to new technology, use and production of varied media formats, and laws and polices regarding information. In order to build a relevant resource base for the school community the librarian should constantly carry out needs assessment, comparing changing demands to available resources.

The Internet is a vital source for promoting literacy in the school library. The school librarian should ensure that the library has a website that will serve as guide to relevant and authoritative sources and as a tool for learning whereby pupils and teachers are given opportunity to share ideas and solutions (Herring, 2003). Through the Internet pupils can browse the library website to learn how to search and develop information literacy skills. In order for pupils to tap up-to-date sources from the Net the school librarian should constantly update the home page, say on a daily basis, if necessary. Simultaneously the school librarian should avail to pupils and teachers sheets/guides to assist them in carrying out their own independent researches. He should give hands-on-experience training to users to share ideas with others through the formation of “lunch time” or “after school support groups”. Such activities could help pupils to develop ideas and searching information for a class topic and assignment.

Even the location of the library has an impact in promoting literacy in school. The library should be centrally located, close to the maximum number of teaching areas. It should be able to seat at least ten per cent of school pupils at any given time, having a wide range of resources vital for teaching and learning programs offered in school. The library should be characterised by good signage for the benefit of pupil and teacher users with up-to-date displays to enhance the literacy skills of pupils and stimulating their intellectual curiosity.

CONCLUSION

Indeed the promotion of literacy should be integral in the school curriculum and that the librarian should be able to play a leading role to ensure that the skills, knowledge and attitudes related to information access are inculcated in pupils and teachers alike as paramount users of the school library. But the attainment of this goal is dependent on a supportive school administration, always willing and ready to assist the library and its programs financially. To make the librarian more effective he should be given capacity building to meeting the challenges of changing times.

REFERENCES

American Library Association (2003). ‘Introduction to information literacy.’

Birks, J. & Hunt, F. (2003). Hands-on information literacy activities. London: Neal-Schumann.

CLIP (2004).’Information Literacy: definition.’

GoSL (2010). Report of the Professor Gbamanja Commission of Inquiry into the Poor Performance of Pupils in the 2008 BECE and WASSCE Examinations (Unpublished).

___________(1995). New Education policy for Sierra Leone. Freetown: Department of Education.

Herring, James E. (1996). Teaching information skills in schools. London: Library Association Publishing.

__________________ (2003).The Internet and information skills: a guide for teachers and librarians. London: Facet Publishing.

Kahlthau, C. C. (2004). Seeking meaning: a process approach to library and information services. 2nd. ed. London: Libraries Unlimited.

Lenox, M. F. & Walker, M. L.(1993). ‘Information Literacy in the education process.’ The Educational Forum, 52 (2): 312-324.

Lonsdale, Michael (2003). Impact of school libraries on student achievement: a review of research. Camberwell: Australian Council of Educational Research.

Marcum, J. W. (2002). ‘ Rethinking Information Literacy,’ Library Quarterly, 72:1-26.

Roe, Betty D., Stoodt-Hill & Burns, Paul C. (2004).Secondary School Literacy instruction: the content areas. Boston: Houghton Mifflin Company.

Tilke, A. (1998). On-the-job sourcebook for school librarians. London: Library Association.

_________ (2002). Managing your school library and information service: a practical handbook. London: Facet Publishing.

Weber, S. & Johnston, B. ( 2002). ‘Assessment in the Information Literate University.’ Conference: Workshop 1st International Conference on IT and Information Literacy, 20th- 22nd. March 2002, Glasgow, Scotland. Parallel Session 3, Thursday 21st March,2002.

World Bank (2007). Education in Sierra Leone; present challenges, future opportunities. Washington,DC: World Bank.

Ease Into the World of Investing

The United Nations does it. Governments do it. Companies do it. Fund managers do it. Millions of ordinary working people – from business owners to factory workers – do it. Housewives do it. Even farmers and children do it.

‘It’ here is investing: the science and art of creating, protecting and enhancing your wealth in the financial markets. This article introduces some of the most important concerns in the world of investment.

Let’s start with your objectives. While clearly the goal is to make more money, there are 3 specific reasons institutions, professionals and retail investors (people like you and me) invest:

  • For Security, ie for protection against inflation or market crashes
  • For Income, ie to receive regular income from their investments
  • For Growth, ie for long-term growth in the value of their investments

Investments are generally structured to focus on one or other of these objectives, and investment professionals (such as fund managers) spend a lot of time balancing these competing objectives. With a little bit of education and time, you can do almost the same thing yourself.

One of the first questions to ask yourself is how much risk you’re comfortable with. To put it more plainly: how much money are you prepared to lose? Your risk tolerance level depends on your personality, experiences, number of dependents, age, level of financial knowledge and several other factors. Investment advisors measure your risk tolerance level so they can classify you by risk profile (eg, ‘Conservative’, ‘Moderate’, ‘Aggressive’) and recommend the appropriate investment portfolio (explained below).

However, understanding your personal risk tolerance level is necessary for you too, especially with something as important as your own money. Your investments should be a source of comfort, not pain. Nobody can guarantee you’ll make a profit; even the most sensible investment decisions can turn against you; there are always ‘good years’ and ‘bad years’. You may lose part or all of your investment so always invest only what you are prepared to lose.

At some point you’ll want to withdraw some or all of your investment funds. When is that point likely to be: in 1 year, 5 years, 10 years or 25 years? Clearly, you’ll want an investment that allows you to withdraw at least part of your funds at this point. Your investment timeframe – short-term, medium-term or long-term – will often determine what kinds of investments you can go for and what kinds of returns to expect.

All investments involve a degree of risk. One of the ‘golden rules’ of investing is that reward is related to risk: the higher the reward you want, the higher the risk you have to take. Different investments can come with very different levels of risk (and associated reward); it’s important that you appreciate the risks associated with any investment you’re planning to make. There’s no such thing as a risk-free investment, and your bank deposits are no exception. Firstly, while Singapore bank deposits are rightly considered very safe, banks in other countries have failed before and continue to fail. More importantly, in 2010 the highest interest rate on Singapore dollar deposits up to $10,000 was 0.375%, while the average inflation rate from Jan-Nov 2010 was 2.66%. You were losing money just by leaving your savings in the bank.

Today, there are many, many types of investments (‘asset classes’) available. Some – such as bank deposits, stocks (shares) and unit trusts – you’re already familiar with, but there are several others you should be aware of. Some of the most common ones:

  • Bank Deposits
  • Shares
  • Investment-Linked Product1
  • Unit Trusts2
  • ETFs3
  • Gold4

1 An Investment-Linked Product (ILP) is an insurance plan that combines protection and investment. ILPs main advantage is that they offer life insurance.

2 A Unit Trust is a pool of money professionally managed according to a specific, long-term management objective (eg, a unit trust may invest in well-known companies all over the world to try to provide a balance of high returns and diversification). The main advantage of unit trusts is that you don’t have to pay brokers’ commissions.

3 An ETF or Exchange-Traded Fund comes in many different forms: for example, there are equity ETFs that hold, or track the performance of, a basket of stocks (eg Singapore, emerging economies); commodity ETFs that hold, or track the price of, a single commodity or basket of commodities (eg Silver, metals); and currency ETFs that track a major currency or basket of currencies (eg Euro). ETFs offer two main advantages: they trade like shares (on stock exchanges such as the SGX) and typically come with very low management fees.

The main difference between ETFs and Unit Trusts is that ETFs are publicly-traded assets while Unit Trusts are privately-traded assets, meaning that you can buy and sell them yourself anytime during market hours.

4 ‘Gold’ here refers to gold bullion, certificates of ownership or gold savings accounts. However, note that you can invest in gold in many other ways, including gold ETFs, gold Unit Trusts; and shares in gold mining companies.

With the advent of the Internet and online brokers, there are so many investment alternatives available today that even a beginner investor with $5,000 to invest can find several investment options suited to her objectives, risk profile and timeframe.

Diversification basically means trying to reduce risk by making a variety of investments, ie investing your money in multiple companies, industries and countries (and as your financial knowledge and wealth grows, in different ‘asset classes’ – cash, stocks, ETFs, commodities such as gold and silver, etc). This collection of investments is termed your Investment Portfolio.

Some level of diversification is important because in times of crisis, similar investments tend to behave similarly. Two of the best examples in recent history are the Singapore stock market crashes of late-2008/early-2009, during the US ‘Subprime’ crisis, and 1997, during the ‘Asian Financial Crisis’, when the price of large numbers of stocks plunged. ‘Diversifying’ by investing in different stocks wouldn’t have helped you very much on these occasions.

The concept and power of compounding are best explained by example. Assume we have 3 investments: the first returns 0.25% a year; the second returns 5% a year; and the third returns 10% a year. For each investment, we compare 2 scenarios:

  • Without compounding, ie the annual interest is taken out of the account.
  • With compounding, ie the annual interest is left (re-invested) in the account.

Let’s look at the returns over 25 years for all 3 investments, assuming we start off with $10,000 in Year 0:

  • With 0.25% return a year, your investment will grow to $10,625 after 25 years without compounding; your investment becomes $10,644 after 25 years with compounding.
  • With 5% return a year, your investment will grow to $22,500 after 25 years without compounding; your investment becomes $33,864 after 25 years with compounding.
  • With 10% return a year, your investment will grow to $35,000 after 25 years without compounding; your investment becomes $108,347 after 25 years with compounding.

This shows the dramatic effects of both higher returns and compounding: 10% annual returns coupled with 25 years of compounding will return you more than 10 times your initial investment. And 10% returns are by no means unrealistic: educated investors who actively manage their portfolio themselves and practise diversification can achieve even higher returns, even with some losing years.

People of all ages and backgrounds need practical and customised guidance in developing their financial knowledge and skills in order to reach their financial goals. In this article we’ve tried to describe in simple terms some of the most important concepts and principles you need to understand on this journey.

Easy Songs To Play On Guitar With 4 Simple Open Chords

Learning Chords

For most beginners at guitar playing, the first goal is to learn some easy songs to play on the guitar. And one of the main challenges here is learning all the guitar chords needed in order to be able to play those songs.

And that’s not always an easy thing to accomplish. Many songs uses chords that seem to have been invented for no other reason than to make it impossible to play. No wonder you give up on those songs. They have to wait until you get better at guitar playing.

G-Em-C-D

The Chord progression G-Em-C-D is a common (big understatement!) sequence all over the world, in all sorts of music styles. You can of course transpose to other chords, like C-Am-F-G or D-Bm-G-A and so on. Another way to “transpose” a song that not fits your voice is to use a capo at any fret you like.

I have compiled a little list of songs that I found that uses these chords. Many of them uses the progression all the way through the entire song, others are played with variations. And a few of them uses other chords as well.

The List

So here it is, my small gift to those of you who can’t find easy songs to play on guitar.

Here are the chords again, with two additional variations.

(C-Am-F-G), (G-Em-C-D), (D-Bm-G-A)

Stand by Me – Ben E. King

Heart and Soul – Hoagy Carmichael

The Thin Ice – Pink Floyd

Earth Angel – The Penguins (in family guy, back to the future etc.)

Donna – Ritchie Valens

Duke of Earl – Gene Chandler

Every Breath You Take – The Police

The Living Daylights – a-Ha

Last Kiss

Those Magic Changes and Beauty School Dropout – from Grease

Leader of the Pack

You Send Me

Blue Moon – Chris Isaak

Breaking Up Is Hard To Do – The Carpenters

Bubble Goose – Wyclef Jean

Teenager in Love – Dion & The Belmonts(?)

Fly On The Wings Of Love – The Olsen Brothers

Bus Station – Tom Russell

Heart Of Gold – Neil young

Stand By Me – Ben E King

Beautiful Girls – Sean Kingston

I’ve just seen a face – The Beatles

Last Kiss – Pearl Jam

Bleeding Love – Leona Lewis (I think?)

Single Ladies – Beyonce

Baby – Justin Bieber

Mary’s Song- Taylor Swift

Jump then Fall- Taylor Swift

Wrapped in your Arms- Fireflight

This magic moment

Up on the roof- The Drifters

Wonderful world – Herman Hermits

Lovers moon – Glenn Frye – My new favorite.

She will be loved – Maroon 5

His Latest Flame – Elvis.

I Only Want To Be With You – Dusty Springfield.

End Of The Line – Traveling Wilburys.

Puff The Magic Dragon – Peter, Paul and Mary

Kumbayah

Where Have All The Flowers Gone? – Pete Seeger

Look at the first song in this list. In all its simplicity “Stand By Me” is a fantastic song, and it has travelled with me through all these years. And it’s a very easy song to play on guitar.

If you like that song I’ll show you a very special version of it, at my website.

Cold Sores and Staff Infection

Cold sores are a result of infection with the herpes simplex 1 virus. This is a viral infection that once you have contracted stays in your system for life. The only treatments available are antiviral management, because there is no cure.

A person who suffers from atopic dermatitis should be extremely cautious around anyone with a cold sore. Atopic dermatitis, better known as eczema, is rashes and irritations on the skin caused by any number of environmental allergies. This condition causes very itchy dry patches of skin that can break open and are prone to secondary infection from scratching. Studies have shown that patients with eczema are more likely to carry stash on their skin than those who do not.

The herpes simplex virus can spread rapidly in a person with atomic dermatitis. This can cause an infection known as eczema herpetic. It can spread over the whole body or remain localized in areas of active eczema outbreak. This situation should be monitored very carefully by a medical professional.

Herpes virus is very contagious and the spreading capability increases in the person who has eczema. The virus can spread over the whole body very quickly leaving you open to secondary infections and especially staph. As noted above the eczema carrier is also more apt to have the staph already present on their skin, thus when scratching sores or rashes, the staph can penetrate and make a bad situation even worse.

If you have eczema and been exposed to the herpes simplex virus, it is important that you see your doctor immediately. They may want to start you on an antiviral medication sooner rather than later to ward off a potential outbreak.

Signs that you may be getting a herpiticum outbreak will include blisters, sores within the areas of eczema. These tiny blisters will soon pop and spread the virus at an alarming rate. There is a chance of fatality if not treated properly. You may feel tired or feverish and notice some swelling in the area of the rash.

It is important to note even if you are not overly concerned for yourself, you should be concerned for your family and coworkers. The virus is very contagious and should be treated immediately. Besides early treatment can lessen the severity and duration of your outbreak.

In very severe cases, your doctor may prescribe a bleach bath to kill the bacteria. However, this should never be undertaken without a doctor’s advice as the wrong dilution can cause severe problems. Phototherapy and laser therapy are also alternative therapies that your doctor or dermatologist may consider.

The main thing to remember is prevention is better than cure, use good hand washing practices and keep yourself healthy. When you are run down your immune system becomes compromised and less able to fight off infection and the herpes particles.

Peeling Penis Skin – 7 Potential Causes

Dry, peeling penis skin can send any man into a state of panic, especially when there is no obvious cause. Flakes of skin falling away from the Johnson are not only unattractive, they can appear as a sign of poor health, not to mention causing serious discomfort.

Fortunately, in most cases, the underlying issue can be easily addressed. With the right treatment and a good understanding of proper penis care, the problem can be banished in a matter of days, leaving the skin soft, smooth and attractive.

Common causes of flaking, peeling penis skin

  • Friction. Dry masturbation or sex is a leading cause of peeling, stressed skin. Using a personal lubricant (one designed for the purpose) can reduce the occurrence of dryness and irritation of the penis.
  • Yeast infection. Candida yeast infections, also known as thrush, are one of the most common causes of peeling, itchy penis skin. Other symptoms of yeast infection include red bumps or sores, a burning sensation during urination, severe itching, and a whitish, lumpy discharge. Most yeast infections can be treated with topical anti-fungal creams. Although not considered a sexually transmitted infection, Candida is highly contagious and can easily be passed from one partner to another, so men who develop a yeast infection should encourage their partners to be treated, as well.
  • Balanitis. This condition refers to any inflammation of the glans – or head – of the penis. The inflammation may be related to yeast infection or poor hygiene. Keeping the area clean is essential, especially for men who are uncircumcised, and topical creams may be used to treat the pain, itching and flaking caused by the infection.
  • Phimosis. Men or boys who are unable to retract the foreskin may be diagnosed with phimosis. The tight foreskin may develop a dry appearance, especially if it is stretched during an erection or as a result of masturbation or sex. Phimosis can often be treated by gently pulling the foreskin back a little at a time; applying a high-quality moisturizer can be of assistance in this process. In some cases, doctors may recommend circumcision as the best solution.
  • Sexually transmitted infections. Certain communicable diseases can cause dry penis skin that flakes and peels. Men who are sexually active should be tested for STIs on a regular basis and follow through with any recommended treatment.
  • Dermatitis. A skin sensitivity to something in a man’s environment – from laundry detergent to fragrances to latex condoms or spermicides – can cause the skin to become irritated, itchy, and dry. Avoiding potential skin irritants can eliminate this problem, and using a soothing vitamin cream when irritation does occur can help to clear up any issues.
  • Psoriasis or eczema. Men who have psoriasis or eczema elsewhere on their bodies may also develop dry, scaly or red patches of skin on the penis. Vitamins A and E are often used as natural solutions for these issues; hydrocortisone creams are also frequently prescribed, but caution is advised in this case, as steroid creams can cause thinning of the delicate penile skin.

Any unusual penis symptoms are best tended to by a doctor who has experience in men’s issues, especially if the owner of the package is not sure what is causing the problem. In some cases, such as communicable diseases, prescription medications may be required to clear up the problem.

Dry penis skin should be allowed time to heal; abstaining from sex until the cause of the issue has been identified can prevent further damage and discomfort. In addition, applying a penis health creme (most health professionals recommend Man 1 Man Oil) containing penis-specific nutrients such as vitamins A and E can help to nourish the skin and speed the healing process. A good penis cream containing natural moisturizers such as Shea butter is ideal for even the most sensitive skin; applying the cream after a shower is best, as this allows for rapid absorption for maximum benefit.

Hansens Lepresy

Since the beginning of time, Hansen’s disease has been recognized as a problem. Reported in Egypt in as early as 1350 BC, Lepresy is the oldest disease known to man; this is according to the Guinness World Records. Frequently, Lepers have lived outside of society. This is partly due to the fact that for a long time the disease was believed to have been caused by a divine, often times associated with demons, curse or punishment. This idea changed in the middle ages, when people started to believe that lepers are loved by God, and that it is humans that have cursed them

Another reason for secluding the Lepers what that in the past it was believed that leprosy was highly contagious. If was even taken to the extent that leprosy could be spread by the glance of a leper or an unseen leper standing upwind of healthy people. Today we know that the disease is much less contagious than we once believed in the past. Lepresy is caused by a mycobacterium that will multiply at a very slow rate. The disease mainly affects the skin, nerves, and mucous membranes. The organism has never been grown in cell culture, because of the difficulty that is involved with doing so. This difficulty is as a result of the fact that the organism is an obligate intra-cellular parasite. This means that it lacks many necessary genes for independent survival. This is also evident and provides proof for it having such a slow rate of replication.

Uncertain today, is the method of   transmission  of Hansen’s disease. Many people believe that it is spread person to person in respiratory droplets. What we do know though, is that most of the population is naturally immune to the disease. The disease is chronic, and often times patients are classified as having paucibacillary, which is a form of multibacillary Hansen’s disease.

The Opposition of Emotionally Colored and Emotionally Neutral Vocabulary

A tendency to judge that speech is only an instrument for making statements is rather primitive. Some people forget that there are a lot of different possibilities. The way we speak also expresses our emotions, attitude to people interrelations between the audience and the speaker.

Sometimes it is necessary to guide people, to warn them or to show somebody’s disapproval or approval or to make your speech sound more enthusiastic or encouraging. We should take all these into consideration while investigating the lexical meaning of words. Using such terms as “emotive” or “expressive”; “affective” or “evaluative”, some people think they are synonyms, for example, that an emotive word is of necessity also a stylistically colored word, or considering all stylistically colored words as emotional. But that is not the case.

So, let us agree that so-called emotive speech is any utterance expressing different human emotions. It is easy to find in speech a great number of syntactical, lexical and intonational peculiarities. Thus, by lexical peculiarities I mean special, emotionally colored words. The emotional coloring of the word may be occasional or permanent. Let us focus on the second. Lexical units acquire their emotional coloring, in other words, their affective connotation, in emotional contexts of particular situations.

The most common type of emotional words, as it seems to me, are interjections. The fact is that they express a lot of emotions without naming them: Ouch! My! Boy! Heaven! Wow! Ah! etc. The interjections may be derived from other parts of speech or be primary interjections. For example, if you describe something as a “drag”, what do you mean? It is boring, too difficult or physically exhausting? Certainly, something that is annoying or boring. We can find a lot of emotional words in everyday small talks or in the literature: ” I love Sibyl Vane. I want to place her on a pedestal of gold, and to see the world worship the woman who is mine. What is marriage? An irrevocable vow. You mock at it for that. Ah! don’t mock.” ( Oscar Wild “The Picture of Dorian Gray” Moscow Progress Publishers 1979 Volume One, page 170)

To express irritation, mockery or any other emotions the speech should possess some special traits, that would show the audience that the speaker’s emotions are very strong. The traditional word order is not used in such cases, but one can obviously find the inversion. More to that, very interesting and vivid examples of echo-conversations can be found in everyday spoken speech. Sometimes it sounds really amusing: “Why should I… ?” – “Stop why-should-I-ing!” or “Oh, come on!”- “Don’t come-on-me!” These are examples of mockery back-chat. It is funny to find brand new words like “why-should-I-ing” invented by the speaker in the moment of utter irritation. This type of emotional speech is definitely increasing in the speech of young people today, as the native speakers assume.

The emotionally colored words are opposed to the emotionally neutral ones. These words actually express notions (It is the so-called nominating function) but they fail to express the speaker’s emotions or his attitude towards people or the speaker’s mood. However, sometimes it is very difficult to tell the sets as they are not very distinguishing, there are a lot of mixed cases. Some of them may possess traits that belong to both. Many words are definitely neutral in their primary, direct meaning but absolutely emotional in the certain conversation under the conditions of the context.

Another group of words may be called “evaluator-words” which contrasts in speech to the neutral words. These words, while we use them in the sentences, can not only show the presence of emotions but identify or specify them.

Just to sum up what have been mentioned I would like to underline that emphatic and emotional words do not show emotions by themselves but impact these to the whole utterance in the combination with syntactic and intonational means.

Pyramidal Work Out

Day 2

Shoulder press (machine)

Lateral raises (machine)

Posterior deltoid (machine)

Bicep flat head curl (machine)

Preacher bicep curl (machine)

Day 3

Leg extension (machine)

Seated leg curl (machine)

Incline leg press,

Calf extension (standing-body weight)

Seated calf raises (machine).

Serious exercise” starts with a warm-up and ends with a cool-down. The first step in helping students and clients to include warm-ups and cool-downs in their workouts is educating them about the benefits:

Warming up raises the temperature of the body. For each degree of temperature elevation, the metabolic rate of the cells increases by about 13 percent.

The blood supply to the muscles increases, permitting a greater release of oxygen to feed them.

The speed and force of muscle contractions improve, along with a faster nerve impulse transmission.

Warming up helps prevent injuries. Muscle elasticity and the flexibility of the tendons and ligaments are increased. Synovial fluid, which lubricates the joints, is released during easy activity.

Heart function is improved and ready for the increased demand of intense exercise.

The starting point in achieving good physical fitness is nutrition because better eating habits can be conveniently established at any time. It is also important because, if you want to exercise, what you eat affects your energy level during your workout. Maintaining a healthy diet can be easy as long as you remember one key word: balance. It’s okay to drink your daily mug of coffee as long as you limit yourself to one or two cups a day and allow your body to rehydrate with plenty of water. Caffeine is a diuretic, which means substances in caffeine draw water out of your body. The same is true for alcohol. If you consume either alcohol or caffeine, moderation should be a consistent way of life.

Alfredo Zapata

Fitness Expert

www.cuttingedgefit.com

310-701-2957

Beekeeping 101

Beekeeping is being enjoyed by a number of people who want a systematic way to study and improve the beekeeping industry. Beekeeping guide books are becoming very useful to the neophytes of this field.

Others may wonder why more and more people are beginning to get inclined to beekeeping. Aside from the fact that beekeepers are trying to learn more about the way of life of bees in order to improve their crops; some are merely interested to know the natural history of honeybees. People find satisfaction in gaining more and more knowledge on the field they are involved in. Thus a beekeeping guide is important to those who want to keep themselves busy as a bee in discovering more facts about this insect.

Brief History of Beekeeping

It is important to know a little background on how beekeeping started. Beekeeping can be traced back as far as the Bible times. There are even some verses in the Bible mentioning about honey. Honey is the produce of bees; it means that as early as that, people were already into beekeeping. Even the famous Aristotle did some study on the behavior of bees. His important learning says that bees do not hop from one flower to another to get honey; in fact bees remain constant in one flower until the honey is drained.

Bee Colony

It is a known fact that bee colonies have their Queen which lay the eggs; then drones are there to help in fertilizing the eggs of the Queen bee; and the rest are workers. The workers’ purpose is to ensure that they have sufficient supply of food. The bees know which category they belong so there is a division of labor among them.

Busy as a Worker Bee

Beekeeping guide information show that bee workers are the busiest among the categories of the bee colony. The focus of the bee workers are also subdivided into different categories. This will make their work easier and more systematized.

1. The builders are the ones assigned to build the comb of their colony. The comb builders use beeswax in creating their comb; beeswax comes from the body of the bee. The workers would secrete the beeswax from their body to make their comb.

2. The nurses, some workers would act as nurses to the eggs laid by the Queen bee. What they do is visit the cell where the eggs are laid. The nursing bees are the young bees for they cannot do other functions yet.

3. Food gatherers are the ones in-charge of looking for food. Bees pass the food from one worker to another to make work more precise. As the bees age, their ability to help in the transmission of food becomes better as well.

4. Guards and robbers are also the functions of bee workers. The guard bees would ensure the safety of the honeybee. They are usually stationed in the entrance of the beehive. The robbers on the other hand can be recognized by the guard bees through their behavior while flying and through their scent as well.

Bees are very interesting creatures; that is why more people are becoming bee-enthusiasts. Beekeeping guide is very important – to know and understand the behavior of this very hardworking insect.

Why the London Riots Created a Greater Business Travel Threat Than a Terrorist Attack

Introduction to the London riots threat

If you have business travel to London, you need to read this article. In this article you will discover why the London riots created a greater travel threat than a terrorist attack. We will examine the threat posed by the London riots and demonstrations, terrorist attacks and resulting travel delays, disruptions and changes. At the end of this article, you will have a specific understanding of the required business travel management response and awareness as to why this will happen again.

The London riots and demonstrations has resulted in one of the largest business travel disruptions of 2011.

London Riots and Demonstrations

The London riots and demonstrations have come as a complete surprise to many. It is not a unique event and certainly not unique to the UK. The scale, violence, fire and failure of the authorities is often something expected in other countries but the lack of preparedness for destinations like the UK is common and widespread. Therefore, the lack of preparedness and last-minute scramble to respond and the inability to avoid major business travel disruptions are widespread as a result.

Due to the footprint of disruption, many routes and modes of transport have been negatively affected. Simple commute from the airport, trains and ports to planned accommodation options have been altered and continuous review of hazard or threat assessment are required. Furthermore, travel support providers such as taxis, hotels, restaurants, emergency services an other basic amenities have also been affected, to varying degrees.

Travel and risk managers need to immediately identify:

  • Affected areas,
  • Degree of threat,
  • Affected and exposed (inbound and outbound) business travellers,
  • Arrival/departure points,
  • Safe and non-affected areas,
  • Mitigation or eradication options,
  • Cost of implementation,
  • Funds available,
  • Emergency support,
  • Accommodation options,
  • On-going or developing events,
  • Social or non-business activity,
  • Insurance claims and compliance requirements,
  • Cancellation criteria,
  • Resumption of travel criteria,
  • Extended event plans,
  • Travel alternatives (domestic and international)

The London riots have affected multiple support systems related to business and leisure travel. Any leisure travel disruptions will further compound business travel threats such as decreased accommodation options, airport congestion and increased public transport demand. Even simple actions like withdrawing money from an ATM will prove a challenge and compound the hazard/s.

The London riots have had a prolonged affect on UK business travel sector, far greater than the majority of terrorist attacks. Further affects such as planning and preparation for the 2012 Olympics will also contribute to the lingering affects.

A lack of planning and subsequent response capability by businesses could constitute a failure of duty of care, due diligence, corporate social responsibility, workplace health and safety or other related legislation.

Terrorist attacks less of a threat than London riots

With the exception of the Mumbai terrorist attacks, most have limited travel disruption and only affect a narrow band of travellers. Inclusive of the Mumbai terror attack, terrorist attacks typically have clearly defined threat elements (terrorist, bombings, gunfire, etc) whereas the London riots is a constantly changing and unclear threat. Most business travellers will be unprepared for such decision-making demands and lack sufficient experience to make consistent and safe decisions.

Most contemporary business risk management systems focus on location and plausible event threats, then seek to inform or prepare travellers for the best results to mitigate or eliminate the hazards and threats. Therefore, the bulk of business travellers will not be prepared or educated on how to respond in London, with such wide spread disruption and threats. Few will have residual knowledge from information and preparation for such events in other locations, considered more likely to be medium to high risk. Many of the supporting business travel management departments and managers will be equally unprepared and resourced.

A terrorist attack and other similar violent crimes would have a much smaller footprint of disruption, not affected such a wide business travel demographic, not affect business travel support providers so comprehensively or have such a prolonged impact on all exposed.

Routine travel delays, disruptions and changes represent one of the most persistent and probable travel risk management issues.

Travel delay, disruption and changes

Change management and the decision-making involved is one of the most commonly accepted workplace hazard concerns. This is equally relevant to business travel and business travel threats.

The instinctive and guided response of travellers to any delay, disruption or change can significantly affect the outcome of any spontaneous or new hazard as it presents. Particularly when this is the first level of response, before support options and resources can be activated or come into affect.

Travel delays have been triggered due to airport and airline workers unable to get to work, taxi drivers not able to refuel vehicles, hotels and staff overwhelmed, business travellers unprepared and convergence of business and leisure travellers upon all available exit travel nodes.

Access to information, at all levels, the ability to consume and process all the options and explore alternatives is imperative in this and similar travel disruption events. Crisis leadership will succeed more frequently than simple crisis management, to which are dependent upon timely and accurate information from all available resources.

Unfortunately, many will fail to fully understand the gravity of the events, the threats posed and respond or prepare accordingly. While many others exposed will chalk it up to another force majeure or random act that is just part of the rich experience of international travel. Courts, business travellers and peer review increasingly do not share this flippant view.

This scenario and lack of preparedness has been played out numerous times in recent history. Volcanos, volcanic ash affects, Japan’s tsunami, airport closures, airline failure and many others have caught business travellers and managers alike unprepared. This disturbing trend will continue.

Conclusion: London riots threat

You should now see why the London riots have a far greater impact and threat to travellers than you may have originally thought. We have examined the business travel threat posed by the London riots, terrorist attacks and resulting travel delays. You now have a specific plan for this and similar events and the required business travel management and response. This will happen again. Perhaps not in London, perhaps not a city wide demonstration but this kind and scale of business travel disruption event will happen more than once before the end of 2011. Review your plan and make the necessary enhancements now.

Degree Training Available Online

With the continual advancement of technology everything has become easier from reading the news to communicating with friends. One of the more recent advancements is the ability to earn an education online. Interested individuals can enter degree training online to make their desire of earning an education possible. Numerous accredited online colleges and universities offer degree distinctions in almost every job and career across the country.

Let’s talk first about the beneficial factors of earning a degree online. Prospective students will be able to earn their degree solely online. This removes the hassle of commuting to a campus, finding parking, etc. The ability to train online is a benefit to individuals who can’t stop working to earn a degree at a traditional college. With people having numerous avenues of responsibilities gaining an education will make it possible for them to raise their knowledge and career options from home. Most online degree programs let students choose their schedule and study pace, meaning if one course is particularly hard for an individual they are allotted more time to complete the course before moving on to another course.

Training methods will differ depending on the subject and course. Typically students complete work online and communicate with their professor and other classmates via e-mail and classroom databases. Students may have phone meeting times or video   transmission  courses. In a phone meeting students will check in with their professor and other classmates to go over course material and findings. A video  transmission  course will have the professor teaching while students watch him through a video  transmission . These type of courses are not usually integrated into a normal degree program. Most students will not have to communicate with people in this manner.

Online colleges offer training programs from certificates to PhD’s to qualified students. Let’s look briefly at what each level of education is offered to students, to gain a better understanding of what a degree program online looks like. Certificate programs are offered online in a variety of fields. Length will vary depending on the subject. In general certificate programs will take around three to six months to complete. Students who enroll in these programs are usually industry professionals brushing up on new techniques or technology.

As associate’s degree program will have students working through a one to two year program, depending on the field. An associate’s degree program provides students with coursework that establishes a foundation in their field. This foundation can be used to enter a profession as an assistant or use it as a base to gain higher education later after a few years of work experience. Gaining a bachelor’s degree is the most popular form of degree because almost every profession lists this degree level as a requirement prior to being hired. A bachelor’s degree program typically takes a student four years to complete. Knowledge gained at this level of schooling provides numerous career options and a foundation to enter graduate programs. Online programs allow students to continue education and earn a master’s degree and/or a PhD in their chosen field. These programs can last from two to four years and typically are pursued by individuals who want to enter managerial or supervisory positions within their respected field.

Don’t let the opportunity to earn a degree pass you by. Use the available technology to gain an accredited online education in a field of your choice. Enter a fulfilling career by enrolling in an online degree program today.

DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.

Copyright 2010 – All rights reserved by PETAP.org.

What Are Forklift Trucks?

Forklift Trucks are used in industrial settings to lift and move heavy objects. Since its development in 1920 by   transmission  company: Clark, and by hoist company: Yale and Towne Manufacturing, they have become a vital piece of machinery in warehouses across the world.

Forklift Trucks are classified into different  classes  and lift codes:

  • Class 1 include Electric Motor Riders. Their lift codes include: Number 4, which is a three-wheeled, sit-down, counterbalanced truck. Number 5, which is a cushioned, solid tire, sit-down, counterbalanced truck. And, Number 6, which is a pneumatic tire, sit-down, counterbalanced truck.
  • Class 3 include Electric Motor Walkies. Their lift codes include: Number 2, which is a low-lift pallet truck. Number 5, which is a high reach lift type. And, Number 7, which is a high lift, counterbalanced truck.
  • Class 4 include: Internal Combustion Engine Riders. Their lift codes include: Number 3, which is a cushioned, solid tire, sit-down, counterbalanced truck.
  • Class 5 include: Internal Combustion Engine Riders. Their lift codes include: Number 4, which is a pneumatic tire, sit-down, counterbalanced truck.
  • Class 6, which is Rough Terrain. Their lift codes include: Number 1 which is classified as all types.

Besides counterbalanced, there are speciality trucks which include:

  • Articulated Counterbalance Trucks. These are Forklift Trucks which have front wheel steering and a very narrow aisle truck. These are able to offload trailers, as well as place and move loads into narrow aisle racks.
  • Guided Very Narrow Aisle Trucks. These Forklifts are rail guided. Their lift heights are 40 feet to 98 feet, non-top tied or top tied respectively. These Forklift Trucks are only able to be used on floors with a high standard of flatness.
  • Explosion Proof Trucks. These are for use in the operation of the movement of potentially explosive materials.

In the interest of saving man-power and the wages associated with it, some companies now employ the use of these. These trucks are often computer operated and are becoming more and more available by manufacturers around the world. While they save on man-power in terms of having someone to operate the machine by standing behind or sitting in it, there is still the wages of the computer operator to consider when deciding if Forklifts actually save a company man-power or wages at all.

Business Travel Tips – How to Pack For A Business Trip

Use these business travel tips pointers to create and plan a stress-free business packing travel plan.

Ladies:

 

  • When you are putting together your clothes for business, experiment with one color instead of all your favorites. This makes it simple for you to combine and present an ideal business persona for your meetings. With a one color-scheme, you will not need to pack multiple pieces of clothing.
  • If you’d like to add a bit of color, you can include a colored shirt or scarf you like (maybe it is your favorite, or it gives you that ‘extra OOMPH’ that you need for self-confidence – or to compliment your look).

 

Tips on packing shoes: As much as shoes are something that some women say they can’t ‘live without,’ pack no more than two or three sets. Make certain you have a set of flats and only one set of high heels in your luggage. If you wear high heels all day and evening long, then during your company trip, when what you want (need) most is to shine, you may be experiencing painful leg and back discomfort.

In addition to sensible shoes, women who travel may want to pack makeup. On a business trip and with makeup – Less is better. Makeup during a business trip really should be minimal so that you present an experienced, knowledgeable and professional look. Foundation, powder, mascara, lip gloss, eye liner, and eye shadow, are a few of the things that you need to consider in packing. Less is more – mascara and lip gloss can go a long way in making a professional looking presentation.

All Travelers:

 

  • Frequent business travelers should make it a habit of packing their bags as soon as they return from a business trip. This way, when they have to travel on short notice, the stress and worry of packing is diminished.
  • Frequent travelers on business really should try to use regional airports instead of major air-ports. Local and small airports are less congested, and then there are fewer security hurdles.
  • When you are on company business, choose the most direct routes instead of the least expensive routes. The least expensive travel arrangements usually make for the longest distance, and this also means you will likely have to use your precious time for traveling and staying in hotels.
  • So, instead of saving money, your cost may actually go up, with the less expensive, less traveled route, Because you’ll make up for the cost with longer flights and maybe even an extra day stay at a hotel – which means more money all the way around (food, cab or car rental,.. ). Consequently, it’s always best to go on a direct flight route to save time and expense, even if you have to fly first class.
  • If you’re able to fly mid-week, you will be happier because you may be able to save money on trip expenses. Traveling on a Monday or Tuesday normally costs more. Take these travel tips into account when you are paying your own personal air flight to help you cut your costs.
  • Also think about the distance from your hotel room to where you are meeting. Have a look on the internet on a map so you see exactly where you’ll be meeting, compared to where you are going to be staying. In case you do not know the local or surrounding area, you might want to stay near a company or civic facility in which your company is holding their business.
  • Business travelers understand how to make the most of the resources offered to travelers specifically on business. Find hotels that focus on the travelling business person. These hotels won’t have amenities for families and neither are they attempting to attract buses of adolescents in route to a camp. When you need to pay attention to business details and not the kids running in the hallway, this will help you find appropriate (and professional) lodging.
  • Packing vital electronic things is likewise one of several business travel tips. In case you are traveling overseas, make certain you are aware of the telecommunications requirements of the country. Make certain you pack a couple of USB memory sticks. You will never know if they may require them.
  • Never pack your laptop inside your luggage. Your laptop may be a pivotal element of your trip. Inside a flight terminal in an unexpected emergency situation, your wireless laptop may be used to adjust reservations so that you can prevent all those long lines for getting your next flight out. You’ll be able to arrange accommodations by automobile or snag just one of the few remaining rooms in hotels in the city straight from the convenience of the seats in the airport terminal.
  • If you plan well, then you can normally just walk to your meeting or hotel, while the people around you are stressed – simply because you knew the way to balance technology plus the need to help yourself out of a situation that could have been a problem.
  • But one way to use your laptop computer to help yourself if there is a situation where the airport terminal is shut all the way down would be the limited electric power of laptop computers. To see your electric battery go lifeless just when you wanted it by far the most is a lot like watching your tire go flat on the freeway because you drove over glass on your way to the meeting.
  • What few people know is that you have open electric-powered outlets in air terminals which are there for cleanup crews. Once you are at the airport – discover exactly where those outlets are. Normally you can find these outlets just underneath the windows that look over the landing strips. If you can secure a seat close to these outlets, it is possible to replenish your laptop computer and maintain your lifeline to everyone you need to.

Deadly Staph – Tips for the Prevention of Staph Infections

Over the past few years some dangerous Staph bacteria have become resistant to antibiotics. Only recently has the news media focused on this serious new health problem, which is of urgent concern to our schools. These killer bacteria, called methicillin resistant Staphylococcus aureus or “MRSA”, have recently caused panic in schools in the USA. Some infected students have become seriously ill and some have died after these antibiotic resistant bacteria invaded their blood stream. Most Staph bacteria only causes minor skin infections and are treated with antibiotics. Serious and deadly infections however, develop when antibiotic resistant bacteria (MRSA) is involved. The best methods for prevention of all types of Staph infections involve general cleaning strategies which can be incorporated into the routine cleaning practices at all schools. Here are some tips for limiting the possibility of Staph bacteria infecting your students:

1.) Establish a daily and routine environmental cleaning schedule for your school restrooms and dining areas. The cleaning staff should be trained and monitored to be sure they understand and practice thorough and effective cleaning procedures. Your local health department can provide advice on procedures.

2.) Use germicidal products or a solution of 1 part chlorine bleach and 9 part water to clean any surface that is subject to frequent touching by students, including light switches, doorknobs, faucet handles, hand rails and all restroom fixtures. Use soap and water at a minimum, preferably an all-purpose cleaner, for a daily cleaning of all other floors and surfaces.

3.) Install automatic soap dispensers, automatic hand dryers and automatic paper towel dispensers. These touch-free automatic dispensers will reduce student’s exposure to appliances that are frequently the source of hand transmitted bacteria. like Staph. If your school still utilizes the old manual hands-on dispensers it will be nearly impossible to clean them frequently enough to eliminate the spread of bacteria.

4.) Immediately clean up any surface that has a visible body fluid contamination such as blood, urine or other body fluid.

5.) Make sure automatic soap dispensers and automatic paper towel dispensers are filled with product at all times. This should be part of the cleaning personnel daily routine. Refill the dispensers daily.

6.) Encourage good hygiene. Students should be cautioned against sharing water bottles and personal items, encourages to shower after gym classes and other physical activities.

7.) Require that students cover cuts, abrasions and lesions with a proper dressing (bandage) until healed. Athletics staff should monitor this closely among their athletes.

8.) Clean all items used in athletic activities with an all-purpose cleaner and wash uniforms after each use.

9.) Publish, articulate and post reminders to staff and employees the importance of frequent hand washing with soap and water or the use of germicidal hand gels. Your schools restrooms and cafeteria should have warning signs posted in highly visible areas reminding everyone that hand washing is a requirement of your facility and is everyone’s responsibility.

Following these simple cleaning routines will greatly reduce you schools risk of bacterial infections of all types, including Staph and viruses, such as the flu, and the common cold.

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Improve Your Excel Techniques and Expertise

Business and commercial use is not the only aim for the Excel program, as it has spread its function towards a much wider consumer base. Individuals have a wide variety of usage with this program as they could input some valuable collective data in it that may be essential to the everyday proceedings of both their respective personal and professional life.

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Understanding this program in the first place would help you attain the much needed functions that come with its highlighted features. This is especially true in terms of business and academic arrangements. People have not really anticipated such modern innovations to have made a great impact on the advancement of Microsoft Excel. Yes, you may be given a ton of options to work with but Microsoft has pretty much assured its spot as the best when it comes to having a user friendly interface.

Of course, you are provided with a number of advantages with this program and you ought to know what these things are. Learn more here!

If you are not eager to have a Microsoft Excel program with you, then you may face some challenges when it comes to comparing and organizing data. Having a list would not be so difficult to maintain as you could make a table that would very much have all the needed data in there. Organizing especially should not be a challenge that you would be facing some hardships on. You are also given some comfort in your endeavor of having to separate data through the designation of those intended rows and columns.

Having this application could be quite ideal for you if you are aiming to keep up with all your financial records and personal financial accounts and checkbook. That is why individuals love this program so much as it is not that hard for you to understand and comprehend. The features as well are not that difficult to manage which could offer your some versatility in the workspace or even at school. If you want to complete an assignment or project on time, then you could very much do so with this application. Organizing of music and books could come in quite an ease to complete which allows you to see the usefulness of this program.

This site still offers a number of techniques that you could immerse yourself into. Click here to learn more Excel magic!

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