Building a Career Through Online Education Courses

Education is a systematic process of acquiring knowledge and skill necessary for personal growth and development. The practical application of education in a specific field of study can jumpstart a professional career or establish a foundation for possible business ventures. Making an investment in education can be one of your most significant and wisest decisions in life because of its immediate impact to your future. Distance education plays a vital role in connecting educators and learners worldwide, breaking the barriers imposed by time constraints, distance, disabilities and socio-economic status. Distance education courses are being offered by Open Institutions to answer the call for internationally recognised quality education and training. Whether you are a student who just started on the path of learning, a professional in your field of study and want to further your education through advanced and specialized programs, or a person who is restricted by travel or health concerns, online courses definitely have the answers for you.

Many individuals are asking on how effective distance education when delivering the methodologies of teaching. Online education classes are as effective as traditional face-to-face instruction done in colleges and universities. The keys to establishing a successful online study depend on the dedication and focus of the learner, and timely peer-support by the open institution. The people behind the curriculum and online support offered through distance education are professionals and experts in their field, so you can be sure of having the quality education and training that you are looking for. Online instruction is divided into four major classifications, namely: voice, video, data and print. Voice or use of audio as medium of communication includes the telephone, tapes, radio and audio-conferencing.

On the other hand, videos may come in the form of instructional tapes or CDs, or combined with voice and data as file attachments. Print media can be in the form of instructional books, guides, course outlines or assessments which are delivered through courier or mailing system. Data is the widely used form of instruction due to the advances in technology in computers and the internet. Information is transmitted electronically and may be in the form of Computer Assisted Instruction (CAI), Computer Managed Instruction (CMI), Computer Mediated Education (CME), or a combination of any of these. The delivery of education and training became better, faster and economical since all the instructional materials and methods of teaching are coursed through e-mail (electronic email) or e-fax (electronic facsimile), online conferencing and other World-Wide Web applications. This would include advances in communication by utilizing Voice over Internet Protocol (VoIP). By making use of all the available communication media, online learning study is delivered fast and efficient.

Distance learning has many advantages that individuals on different levels of learning can take advantage. It provides the flexibility of choice when you want to finish a course or where you want the training to take place. Assessments and projects are given at the end of a specified topic, submitted to education professionals and experts of their field for evaluation, and then feedback is given to determine if a learner is to advance to the next level or if further reading is required prior to advancement. You can never be too old or too young in order to start a life changing career, or build the basic foundation to start a new business. All you would need is the proper self-motivation and focus so you can look forward and fulfill your dreams in life.

Angina – Causes, Symptoms and Treatment

Angina is a term generally used to refer a kind of tightening sensation. However, there are many sub classes of angina and it all depends on the area, which is suffering from this kind of tightening discomfort. One of the well-known sub classes of angina are like Bowelgina, which is also called abdominal angina. There are also sub classes of angina, which are a threat to life. One such sub class is called Ludwig’s angina, which is caused when the floor of the mouth is exposed to some sort of infection or in other words, dental infections. However, although angina has many sub classes when looked in scientifically, generally, the term angina is commonly used to denote a sub class called angina pectoris. Angina pectoris is a serious pain that is experienced in the torso area or chest.

Symptoms of Angina

The symptoms associated with this disorder are quite difficult to distinguish, as it could range from heartburn or other kind normal chest pain to heavy heart attack. However, the good news here is that there are certain signs, which could be very much helpful in realizing the angina attack. Some people will have to face a big deal of discomfort although they are not subjected to face heavy pain. In common words, angina can be defined as burning or squeezing of torso area, torso tightening, heaviness of chest and choking sensation etc. Usually, these feelings may last not more than five minutes. However, getting an ECG is the best option to identify angina pectoris.

Looking deeper into angina, there are basically two types. The first type is called stable angina, which actually refers to symptoms demonstration after one has worked out his body with some exercises like lifting heavy weight and jogging etc. Of course, the second type is called Unstable Angina. Unstable Angina could be quite dangerous as it occurs without any kind of provocation. It is because of blood clots, which will be released from the blood vessels. In fact, angina itself is a kind of symptom of a heart disorder called myocardial ischemia. It is actually regarding the blocking, narrowing as well as tightening of the blood vessels. To be more specific, it is all about the arteries, which are busy in supplying the oxygenated blood to human heart. When the arteries are narrowed, the blood flow will be quite difficult. In fact, fat is said to be the main culprit usually causing these problems.

Treatment for Angina

The most preferred way of treating angina is aspirin. Aspirin has some blood thinning qualities, which will in turn make the blood flow easy and fast. Hence, the blood will reach all parts of human body. In addition, aspirin will also help to dissolve little blood clots, which are the reason behind angina pains. On the other hand, there are also some other treating methods like magnesium administration, which is usually recommended for mild angina. Magnesium injections are also used to treat severe angina cases. It is strictly advised to consult the family physician before going with any kind of treatment.

Sex Education in Schools Pros and Cons

Sex education is the act of informing younger and adult generations about everything they need to know about sex. Sex education is one of the most controversial issues in education, which has been floating on educational institutions since ages.

Sex education is not just about sex. It includes other sensitive issues like sexual health, sexual reproduction, sexuality and others that parents often feel uncomfortable talking with their children. Therefore, it becomes the responsibility of schools to address this issue, and inform and educate students about it as much as possible.

Often, sexual education in schools is considered as a recreational course rather than a serious issue. There are many pros and cons of sexual education being taught in the public schools.

Pros of sex education in schools:

– Classes are gender-exclusive. This saves embarrassment among students and teach them only what they need to know based on their gender.

– Properly taught, sexual education could become a regular and ongoing Human Anatomy and Biology complete with tests and grading that goes toward graduation credits.

– Students can be taught the correct terms of the reproductive system of sexually transmitted diseases and contraception birth instead of “street slang.”

– Myths surrounding sex can be dispelled (for example, can not get pregnant the first time).

– Studies show that many teenagers become sexually active before the inclusion of educational classes. Principles of inclusion of classes has been shown to help students stay or to abstain or at least be responsible if they are active.

– Proper education can have an impact on the prevention of sexual problems in adulthood.

Cons of sex education in schools:

– Students may still be subject to embarrassment or excitable by subject matter. This can make for out of control classrooms if students take to laugh or make inappropriate comments.

– Most education is taught as a brief interlude in physical education or health class. This is not enough time to relate effectively to serious material.

– Often, sexual education can go against moral or religious beliefs of an individual. Many schools do not teach abstinence-only, but to teach how to have sex safely, while many of the religious and family stress marriage before intercourse.

– Sex education is often seen as a “recreational” course and not a serious issue (this is a direct correlation with the fact that there are no grades or scores to be derived from class).

– Teachers are not always adequately trained to teach sexual education and may violate their own beliefs or morals on the subject rather than continuing with the facts.

– The attitudes of parents, educators and religious leaders in the community can make the stuff that vary from state to state or even school-to-school.

How To Stop a Dachshund Puppy From Biting

Dachshunds are tenacious, independent and smart, originally bred to hunt and kill badgers.  These characteristics have been passed down the generations which can cause problems with barking, biting and aggression if Dachshunds are not well trained from a young age

As soon as you see your Dachshund puppy biting it is time to address the problem.  Dachshund puppies look cute and you wouldn’t think that the small nips they give would be a problem, but not stopping the behavior can result in significant aggression problems later in life.

Start Young

If you were to watch a puppy grow up in a litter you would see that biting is regulated by the puppies themselves.  When one puppy bites another, the outcome is typically that the puppy they bite turns round and bites them back.  This is a very effective deterrent resulting in most puppies knowing not to bite by the time they are ready to go to their new home.

If you have problems with your Dachshund puppy biting, take immediate action!  At this young age your puppy is play biting.  You should never hit your Dachshund, especially not at this age when they will not understand what they have done wrong.  Doing so will frighten them and can lead to problems with anxiety and aggression as they grow up.

To stop your Dachshund puppy biting you need to take a consistent, fair approach, not just to the biting, but to their behavior in general.  Reward good behaviors and discourage bad behaviors, making certain that you are not giving mixed messages.  For example, if you want to stop your Dachshund puppy biting then you shouldn’t play games that involve chasing.  Remember, Dachshunds were bred to chase and catch prey and will likely grab hold of you if you run from them.

Ways to Stop Puppy Biting

When your Dachshund puppy bites your instinct may be to punish them, but this is the wrong thing to do.  Instead tell them “no”, or make a high pitched squeal when they bite, then giving them something acceptable to chew on such as a dog toy as soon as they let go.  Making a yelping noise can be very effective in stopping biting as it is similar to the noise that your puppies litter mates made when they were bitten.  Your Dachshund puppy will soon learn that biting you is not OK, but biting their toys is.

If you get an older Dachshund puppy who has not been taught not to bite your task may be more difficult.  If the technique described above doesn’t work then you should consider taking them to puppy training classes.  In addition to having expert help with the biting problem, your Dachshund puppy will have the opportunity to be well socialized with both people and other dogs their age.

The Motorcycle

A motorcycle is a single-track, engine-powered, two-wheeled motor vehicle. It varies considerably, depending on the purpose for which it is designed, such as sports and racing, long distance travel or off-road conditions. The first motorcycle was invented by Gottlieb Daimler and Wilhelm Maybach in Germany, in 1885. This first petroleum fueled motorcycle was named after Petroleum Reitwagen. It was designed as an expedient test bed for their new engines. This motorcycle was not practical as a safety bicycle, because its steering was zero degrees axis angle with no fork offset.

The construction of a motorcycle should be done in a way that can maximize performance for the lowest cost. Motorcycles now are usually made of telescopic forks, steel, aluminum frames which hold the front wheels and disc brakes. Power engines typically consist of four cylinders and, less commonly, up to eight cylinders, coupled with a manual five or six speed sequential transmission, which drives the swing arm mounted rear wheel by a chain, driveshaft or belt. You can see the speed meter in the middle of the steering and the main headlight in front of motorcycle. The engine is fixed between both wheels and below the seat of the driver. The silencer is usually fixed on right side. There are three types of motorcycles, dual, street and off-road purpose. Dual-purpose bikes are made to go off road and are comfortable on the street as well. Street bikes are sports bikes and scooter. Off-road motorcycles are used in motor-cross and dirt-oriented racing classes.

Motorcycles are one of the most affordable vehicles for transportation all over the world. There are around two-hundred million motorcycles worldwide, and most are used in Asia and the United States. As fuel prices increasing day-by-day, car owners are now moving themselves to use motorcycles instead, because they consume less fuel as compared to heavy vehicles. Motorcycles are usually two-seated vehicles, with one driver and one person sitting behind the driver. Honda, Yamaha, Kawasaki and Bajaj are some of the most famous companies. Motorcycles are available in different powers, 70cc to 250cc. The 125cc to 250cc motorcycles are considered as heavy bikes, which commonly use two silencers, while others have only one.

Motorcycle fuel consumption varies in different models. Which power engine is used on a bike also depends on engine displacement and riding style. In developing countries, 100cc to 200cc motorcycles show a good fuel economy. An Indian company, Bajaj, offers a superior fuel economy model, the XCD125, which consumes one liter of petrol for 100Km. Now, companies have also introduced electric motorcycles, which are nearly silent, zero emission, electric-motor-driven vehicles. However, this technology is under development, because electric motorcycles have less mileage and require a high cost on batteries.

One must use some safety precautions while riding a motorcycle, because it has a high rate of accidents, as compared to automobiles. The Fatality Analysis Reporting System showed that motorcycles are involved in dangerous accidents four times more often than cars and other heavy vehicles. Proper training must be gained before riding any kind of motorcycle. Every country should create a campaign to raise awareness about motorcycle accidents. In South Africa, the Think Bike Campaign has increased motorcycle safety and the awareness of motorcycle handling on the roads.

Multi-Functional PACS Workstations

Digitizing medical imaging has changed the way medical facilities and hospitals function. Gone are the days of having to purchase film and costly developing chemicals for film images. With the advent of the DICOM digital image format, medical imaging was made possible. Today many medical offices utilize the flexibility that comes from PACS workstations and web-based PACS.

Storage of digital medical images is of vital importance, especially in light of medical facilities and hospitals needing to stay within HIPPA compliance. A PACS server helps to make this aspect of medical facility administration easier. A server takes up infinitely less space than hard copy film images do, plus it requires no physical maintenance of records. Everyone authorized to have access to the PACS server can set up their workstations to automatically send digital studies directly to the server, or to an offsite server that can be used for disaster recovery as needed, or copy the digital images to a CD or DVD.

With a web-based PACS, your medical facility and imaging center can save money while offering physicians greater flexibility in its use and overall better patient care. Doctors can log onto your local-area network, wide-area network, or from offsite by utilizing a virtual private network. Your medical offices will reduce operating costs because you will not need software for each workstation, and because it is web-based, physicians can access the digital medical images they need day or night in order to provide patients with excellent care.

Since a PACS system can also serve as a digital viewer, you will want to invest in a quality, high-resolution medical-grade PACS monitor. Monitors are available for medical use in a variety of sizes and digital image resolutions suitable for a variety of medical modalities. Ultrasounds, MRI, CT, as well as CR and DR digital x-rays can be viewed with a PACS monitor.

Medical facilities of all types will also save on consultations and referrals when using PACS workstations. Instead of using costly printed digital x-rays, you can send digital images stored in the DICOM format quickly and easily over the World Wide Web. This instantaneous   transmission  of patient medical digital images helps to offer them improved patient care while saving your hospital or medical office money.

PACS distributors and manufacturers can answer many questions you might have concerning PACS workstations; many offer live chat features on their informative websites for even more convenience.

Defining Wind Generated Electrical Power and Discussing Pros and Cons of the Technology

Introduction

Wind generated electrical power exists through harnessing wind-power energy with turbines. To fully understand wind generated electrical power, one must understand how wind powered electricity is made; resources needed to utilize wind power; types and sizes of wind turbines; building a wind turbine; potential positive and negative impacts of the technology; where wind powered electricity can be effectively generated; and, offsetting the costs of wind powered electrical technology.

How Wind Powered Electricity is Made

The technology of wind generated electrical power functions by creating electricity through the use of various styles of wind turbines. Initially, one might ask, “So how do wind turbines make electricity?” Simply said, a wind turbine works the opposite of a fan. Instead of using electricity to make wind, like a fan, wind turbines use wind to make electricity. The wind turns the blades, which spin a shaft, which connects to a generator and makes electricity.

Resources Needed to Utilize Wind Power

The primary resource of Wind powered technology is, of course, wind. Wind is very abundant in many parts of the United States and other parts of the world. Wind resources are branded by wind-power density classes, ranging from class 1 (the lowest) to class 7 (the highest). Good wind resources (e.g., class 3 and above, which have an average annual wind speed of at least 13 miles per hour) are found in many areas. Wind speed is a critical of wind resources, because the energy in wind is proportionate to the cube of the wind speed. In other words, a stronger wind means more power.

Wind resource development requires land and may compete with other uses of that land, and those alternative uses may be more highly valued than electricity generation. However, wind turbines can be positioned on land that is also used for grazing or even farming. Wherever a wind farm is to be built, roads are cut to make way for shipping parts. At each wind turbine location, the land is graded and the pad area is leveled. Wind energy also requires the building of wind turbines.

Types and Sizes of Wind Turbines

Modern wind turbines fall into two basic groups: the horizontal-axis variety and the vertical-axis design, like the eggbeater-style Darrieus model, named after its French inventor. Horizontal-axis wind turbines typically either have two or three blades. These three-bladed wind turbines are operated “upwind,” with the blades facing into the wind. Darrieus models, or vertical-axis wind turbines, have two vertically oriented blades revolving around a vertical shaft.

In addition to different types, there are many different sizes of wind turbines. Utility-scale turbines range in size from 100 kilowatts to as large as several megawatts. Larger turbines are grouped together into wind farms, which provide bulk power to an electrical grid. Single small turbines, below 100 kilowatts, are used for homes, telecommunications, or water pumping.

Small turbines are sometimes used in connection with diesel generators, batteries, and photovoltaic systems. These systems are called hybrid wind systems and are typically used in remote, off-grid locations, where a connection to the utility grid is not available.

Building a Wind Turbine

The first step in building a wind turbine is setting up the tower where the fiberglass nacelle is installed. The nacelle is a strong, hollow casing that contains the inner workings of the wind turbine. Usually made of fiberglass, the nacelle contains the main drive shaft and the gearbox. Its inner workings also contain blade pitch and yaw controls. The nacelle is assembled and attached onto a base frame at a factory.

The most diverse use of materials and the most experimentation with new materials occur with the blades. Although the most dominant material used for the blades in commercial wind turbines is fiberglass with a hollow core, other materials in use include lightweight woods and aluminum. Wooden blades are solid, but most blades consist of a skin surrounding a core that is either hollow or filled with a lightweight substance such as plastic foam or honeycomb, or balsa wood. Wind turbines also include a utility box, which converts the wind energy into electricity and which is located at the base of the tower. The generator and electronic controls are standard equipment whose main components are steel and copper. Various cables connect the utility box to the nacelle, while others connect the whole turbine to nearby turbines and to a transformer.

Potential Positive and Negative Effects of Wind Powered Electricity

There are a variety of potential positive and negative impacts of wind powered technology.

Potential positive impacts include:

• Wind energy is friendly to the surrounding environment, as no fossil fuels are burnt to generate electricity from wind energy.

• Wind turbines take up less space than the average power station. Windmills only have to occupy a few square meters for the base; this allows the land around the turbine to be used for many purposes, for example agriculture.

• Newer technologies are making the extraction of wind energy much more efficient. The wind is free, and we are able to cash in on this free source of energy.

• Wind turbines are a great resource to generate energy in remote locations, such as mountain communities and remote countryside.

• Wind turbines can be a range of different sizes in order to support varying population levels.

• When combined with solar electricity, this energy source is great for developed and developing countries to provide a steady, reliable supply of electricity.

Potential negative impacts include:

• Wind turbines generally produce less electricity than the average fossil fuelled power station, requiring multiple wind turbines to be built.

• Wind turbine construction can be very expensive and costly.

• Wind turbines can have a negative impact to surrounding wildlife during the build process.

• The noise pollution from commercial wind turbines is sometimes similar to a small jet engine.

• Protests and/or petitions usually confront any proposed wind farm development. People feel the countryside should be left intact for everyone to enjoy its beauty.

Where Wind Powered Electricity Can be Effectively Generated

Places in the world where wind blows strong and often, people and businesses can harness the wind as an option to use in the generation of electricity. Globally, these places include much of North America, southern South America, Greenland, most of Europe, Northern Africa, eastern Asia, most of Australia, and anywhere there are mountains or large hills. The top 5 countries producing electrical wind power in 2007 were: Germany, United States, Spain, India and China, respectively.

Considerable wind speeds also occur across oceans and large water bodies. Since most of the world’s population lives near oceans, wind farms with strong offshore and onshore breezes could produce an abundant amount of electricity. On land in the USA, the major wind corridor is the Great Plains which includes the states of North Dakota, South Dakota, Nebraska, Kansas, Oklahoma and Texas. The wind corridor also extends into the states west to the great mountains west, including eastern Montana, Wyoming, Colorado, and New Mexico. There are also considerable wind resources in eastern and southern Minnesota and the entire state of Iowa, diminishing south through Missouri and east through southern Wisconsin and northern Illinois, Indiana and Ohio. Parts of New York and the New England states also have considerable wind.

The Department of Energy (DOE) estimates that wind power could supply the US with 100% of its electricity, just from the Great Plains wind corridor or from offshore wind farms alone. According to the “Pickens Plan,” a $10 billion wind farm with 2500 generators can supply enough energy for 1.3 million homes, and for $1 trillion the Great Plains wind corridor could supply 20% of America’s electricity. That would be about 250,000 generators to supply 130 million homes.

In a report published by the U.S. Department of Energy, “20% Wind Energy by 2030: Increasing Wind Energy’s Contribution to U.S. Electricity Supply,” that report concluded that:

• Reaching 20% wind energy will require enhanced   transmission  infrastructure, streamlined siting and permitting regimes, improved reliability and operability of wind systems, and increased U.S. wind manufacturing capacity.

• Achieving 20% wind energy will require the number of turbine installations to increase from approximately 2000 per year in 2006 to almost 7000 per year in 2017.

• Integrating 20% wind energy into the grid can be done reliably for less than 0.5 cents per kWh.

• Achieving 20% wind energy is not limited by the availability of raw materials.

• Addressing  transmission  challenges such as siting and cost allocation of new  transmission  lines to access the nation’s best wind resources will be required to achieve 20% wind energy.

Offsetting the Costs of Wind Powered Electrical Technology

Although wind generated electrical power seems to be an unlimited resource, and, the best wind sites appear to be competitive with market electricity prices in most U.S. regions, several factors exist that make it a less appealing source of alternative energy in terms of economic cost. First off, wind is not uniformly priced resource. Its costs vary widely depending on project scale, wind speed, region, and other factors. Second, the benchmark for comparison with wind to other fuels varies regionally. Third, extra revenue is required to make a project viable, sunk costs are considerable.

To offset the factors that make wind powered electricity a less appealing source of alternative energy and promote its continued growth, wind energy in many areas receives some financial or other support to encourage development. Wind energy benefits from subsidies either to increase its attractiveness or to compensate for subsidies received by other forms of production, such as coal and nuclear, which have significant negative impacts. In the United States, wind power receives a tax credit for each Kilowatt hour produced; that was 1.9 cents per Kilowatt hour in 2006. The tax the credit has a yearly inflationary adjustment. Many American states also provide incentives, such as exemption from property tax, mandated purchases, and additional markets for “green credits.” The Energy Improvement and Extension Act of 2008 contain extensions of credits for wind, including micro-turbines.

Secondary market forces also provide incentives for businesses to use wind-generated power, even if there is a premium price for the electricity, socially responsible manufacturers pay utility companies a premium that goes to subsidize and build new wind power groundwork. Companies use wind-generated power, and in return they can claim that they are making a “green” effort.

Undoubtedly, further tax credits, subsidies and incentives will also be needed to achieve the goal of 20% Wind Energy by 2030. Today, wind power approximately accounts for about 2% of the electricity generated in the United States.

Summary

The technology of wind generated electrical power functions by creating electricity through the use of various styles of wind turbines is a very viable alternative energy. Although wind generated electrical power does have some negative impacts, this author feels that in terms of long-term cost and benefit compared with other types of energy, such as the burning of fossil fuels, using a renewable resource such as wind generated electrical power economically, environmentally, and socially is making more and more sense.

The Search for the Best Treatment for Common Cold Symptoms

Opinions vary about the best treatment for common cold symptoms. Zinc common cold remedies are much in the news, but some controversy surrounds their use.

Over the counter products, vitamin supplements and herbal remedies are really the only options a person has for treating a cold. Because colds are caused by viruses, there are no effective prescription medications and a visit to the doctor is usually unnecessary, unless a secondary bacterial infection, such as a sinus or ear infection occurs. Antibiotics are not effective for either preventing or treating a cold. Over-use of antibiotics has led to the development of more resistant strains of bacteria.

According to many experts, the best treatment for common cold symptoms is to get plenty of rest and drink lots of fluids. Probably, because so many people have a busy lifestyle, pharmaceutical companies keep coming up with products like zinc common cold remedies and other multi-symptom cold relievers. Advertising for these products typically suggests that these can help you “get on with your life”. But many of these products have unwanted side effects. Some can be relatively serious, considering that cold symptoms are typically gone in a week or so.

Some people who have used a zinc common cold nasal spray or gel have lost their sense of smell. One company was sued and settled out of court without admitting fault. At least two different clinical studies have confirmed that these zinc common cold remedies effectively reduce the duration of symptoms, but other studies confirm that these preparations can cause a permanent loss of the sense of smell. In fact, one study performed by the George Eby Research Group in Austin, Texas concludes that “it is unethical to introduce any potentially permanent anosmia-inducing agent such as zinc or other heavy metals into the interior of the nose in a manner that could result in contact with the olfactory region to treat a temporary discomfort such as a common cold or allergy.” The term anosmia means loss of sense of smell.

Several other studies confirm that when zinc common cold remedies come into contact with the lining of the nose, permanent loss of the sense of smell can occur. Manufactures of these products claim that they may be the best treatment for common cold available and can reduce the duration of cold symptoms to as little as two days. But, in fact, many people recover from a common cold in a couple of days, anyway. Some viral infections last longer in some people and symptoms may last as long as two weeks, but the study in Texas showed that the zinc common cold remedies did not significantly reduce the duration of common cold symptoms. The majority of volunteers had recovered within a week, whether they were given the zinc common cold remedies or a placebo.

Because some people recover from symptoms so quickly, without treatment, it has been difficult for researchers to determine the best treatment for common cold symptoms. Some people are more susceptible to infection with cold viruses than others. A recent study indicates that asthma sufferers, who typically have more than their fair share of colds, produce less anti-viral proteins than normal. Supporting the belief that efforts to improve immune system function can be the best treatment for common cold symptoms, as well as the best prevention.

Vitamin C supplementation is considered, by some, to be the best treatment for common cold symptoms, but opinions vary. Some studies have shown that it is an effective preventative; others have shown it to be less effective. Again the difference in the results of these studies is probably related to the difference in people. Injecting the rhinovirus directly into the nose causes an infection in 95% of people, but only 75% of them develop any symptoms at all. If you decide to increase your vitamin C intake and you develop diarrhea, then you are getting too much vitamin C and should reduce the daily dosage.

Many herbalists still recommend Echinacea as the best treatment for common cold symptoms. Some still recommend it as a preventative, but clinical studies have shown that taking the herb for extended periods of time can be toxic to the liver. It was used traditionally by Native Americans as a treatment, not a preventative. For occasional use Echinacea appears to be safe, but there are safer herbs.

Andrographis paniculata, an herb used in traditional Asian medicine, may be the best treatment for common cold symptoms and an effective preventative. In one study, a group of volunteers were given the herb or a placebo and results showed that those who were given the herb were less likely to become infected with influenza viruses; these are some of the viruses that can cause common cold symptoms. In those people who took the herb and did develop the flu, symptoms were less severe and complications, such as pneumonia, did not develop. Andrographis paniculata has been shown to have no toxic effects on animals, even when used in large amounts.

The complications that are associated with zinc common cold nasal sprays or gels are not associated with dietary supplements of zinc. And, zinc is important to proper immune system function and overall good health. For more information about natural products that are believed to be the best protection from and the best treatment for common cold symptoms, visit www.immune-system-booster-guide.com.

Offshore Investment – The Ideal Way for Saving Your Wealth

What Is Offshore Investment?

Offshore investment refers to a wide variety of investment strategies that take advantage of tax benefits offered outside of an investor’s home country.

There is no scarcity of money-marketplace, bond and equity assets offered by trustworthy offshore investment companies that are fiscally sound, time-tested and, most importantly, legal.

What Is Offshore?

Offshore explains the repositioning by an entity of a trade process from one countryside to another, typically an operational process, such as manufacturing, or supporting processes. Even state governments make use of offshore investment. More recently, off shoring has been associated primarily with the sourcing of technical and administrative services supporting domestic and global operations from outside the home country, by means of internal (captive) or external (outsourcing) delivery models.

“Offshore ” is usually to portray a country where there are also no taxes or low taxes for foreign persons either individual or commercial.

It is a truth that offshore investment havens have crafted a unique legally recognized and tax free climate for overseas individuals and businesses. They offer specifically to them. More than half the world’s assets exist in such asset havens.

Monetary privacy, a steady legal environment and realistic rulings are the trademark of these jurisdictions.

When we converse about offshore investment financial companies, the term invokes up an image of enormous, shadowy monetary monoliths, investing funds without any transparency.

Advantages

There are many reasons why people like investments in offshore:

1. Tax Reduction

Many nations, recognized as tax havens, offer tax inducements to overseas investors through an offshore investment. The positive tax rates in an offshore investment possible country are intended to encourage a vigorous offshore investment atmosphere that magnetizes outside wealth. For tiny countries like Mauritius and Seychelles, with only a few reserves and a small population, offshore depositors dramatically increased their economic activity.

Offshore investment occurs when offshore depositors outline a company in an overseas country. The corporation acts as a shield for the investors’ financial credits, shielding them from the higher tax load that would be acquired in their home nation.

Because the corporation does not engage in local operations, little or no tax is enforced on the offshore investment company. Many overseas companies also benefit from tax-exempt category when they put in in U.S. markets. As such, making ventures through overseas corporations can clutch a distinct benefit over making investments as an individual.

2. Confidentiality

Numerous offshore investment jurisdictions have confidentiality legislation which creates it is an unlawful offense for any worker of the financial services commerce to disclose possession or other information about their clients or their dealings.

But in the examples where unlawful proceedings can be proved, identities are being disclosed. Thus the Know Your Client due diligence documents are becoming just more complex.

Disadvantages

The main drawbacks are those of costs along with ease.

Many investors like to be capable to meet up and speak to the person setting up their incorporation of offshore investment companies and traveling to the tax haven costs funds.

In a number of nations you are taxed on your universal revenue, so not disclosing offshore investment returns is illegal. In other countries having offshore accounts are unlawful for individuals but authorizations can be obtained from companies.

Several banks in offshore jurisdictions need smallest amount in investments of US$ 100,000 and higher, or to possess assets locally.

The kinds of offshore investment companies usually existing are:

  • Trusts
  • Resident Offshore Company
  • International Business Company
  • Protected Cell Company

These types of companies also exist.

E.g.: Many mutual funds and hedge funds whose investors favor ‘ off shore country’ ventures.

But for average financiers like us too can form offshore companies of relatively small size to fulfill our most everyday needs. Or we can put in, via our off shore investment expert, into offshore companies to own investments in special funds.

There are various uses:

  • Trading Companies
  • Professional Services Companies
  • Shipping Companies
  • Investment Companies
  • Intellectual Property & Royalty Companies
  • Property Owning Companies
  • Asset Protection Companies
  • Holding Companies
  • Dot Com Companies
  • Employment Companies

Trading Companies

Import/Export and general trading company’s activities are also compatible with the structure of offshore investment companies. The offshore investment company acquires orders from the supplier and has the goods distributed directly to the customer.

It does the invoicing to the customer and saves the difference in a tax free country. E.g. Products from China to Kenya could be invoiced by a Seychelles or RAK offshore incorporation and the revenues retained there.

Individuals utilize offshore investment companies to acquire mutual funds, shares, property, bonds, jewelry and precious metals. Sometimes they will also apply these companies to trade in currency, equities and or bonds. The wealthy will also have diversified offshore investment companies for different division of possessions; for different countries or by different categories of investments.

The diversification evades the risk. But also in cases where capital increases taxes are levied, e.g. in property or equity, sometimes it is cheaper to sell the company rather than the individual asset itself.

Professional Services Companies

Individuals, e.g. counselors, IT experts, engineers, designers, writers and performers working outside their local country can gain momentously from using an offshore investment business. The offshore investment business demonstrates the individual as a company worker and gets a fee for the services rendered by the ’employee’ [possessor]. This fee is received and saved tax free. The person can then receive the imbursement as he or she hopes to minimize their taxes.

Shipping Companies

The utilization of offshore investment companies to possess or license commercial ships and pleasure craft is very familiar internationally. Shipping companies mount up earnings in tax liberated offshore jurisdictions and, if every ship is placed in a separate offshore investment company, it can get hold of considerable asset security by isolating liabilities of each individual craft.

Investment Companies

Individuals make use of offshore venture companies to then buy mutual funds, shares, bonds, property, jewelry and expensive metals. Sometimes they will also use these companies to operate in currencies, equities and or bonds either via the internet or through managed funds run by banks and financial institutions. The wealthy will also have diversified offshore investment companies for dissimilar class of assets; for different countries or by different varieties of investments.

The diversification evades the threat. But also in cases where assets gain taxes are levied, e.g. in goods or equity, sometimes it is economical to sell the company rather than the individual asset itself.

Intellectual Property & Royalty Companies

Offshore investment companies are being seen as vehicles to own Intellectual Property and royalties received for software, technology rights, music, literature, patents, trademarks and copyrights, franchising, and brands. These companies are in the type of trusts or foundations.

Property Owning Companies

Owning property in an offshore investment company saves you the funds gains taxes that may be levied at the occasion of the property’s deal, which are avoided by selling the business instead of the property. Other significant benefits are the authorized prevention of inheritance and other transfer taxes.

Mainly, in some countries, e.g. Islamic ones, inheritance is via Shariah regulation and not your determination. So an offshore possession will make sure that the assets owned outside the country need not be distributed according to Shariah Law.

Asset Protection Companies

It is estimated that a professional in the US can be expected to be sued every 3 years! And that more than 90% of the worlds lawsuits are filed in the US.

Amazing statistics!

If you have an income or assets of more than US$ 100,000, you should seriously consider offshore investment companies!

Most offshore jurisdictions require that for a lawsuit, a lawyer must be hired and paid up front before a suit can be filed, thus keeping frivolous lawsuits away. Often a substantial bank bond has to be placed by the government, to even implement a lawsuit. It can also (take years of waiting) to get into court in some offshore investment jurisdictions.

If you have substantial liquid assets you should consider a Trust which would own the offshore company. This will provide a greater degree of protection, at the least expense.

However, we should remember that this structure is for asset protection, not for tax savings and so that the focus should be maintained.

Holding Companies

Offshore investment companies can also be used to own and fund operating companies in different countries. They could also be joint venture partners or the ‘promoter’ of publicly quoted companies. Mauritius is well suited as a country for investing companies because of its favorable double tax treaties.

Dot Com Companies

The internet has made the cost of business entry very low and consequently the legal protection of the company’s assets, both physical and intellectual, that much easier. Dot Com companies now use this flexibility to develop different software projects in different offshore investment companies to invite different investors and to keep the flexibility of raising funds separately for different projects depending on the project’s success. Both Mauritius and Seychelles have Protected Cell Company [PCC] structures available for just this kind of need.

Then there is the possibility of receiving your funds earned on the web into an offshore company’s bank account. Would that be of interest to you?

Employment Companies

Multinational companies use offshore investment companies to employ expatriate staff who are deployed in different tax jurisdictions around the world. To facilitate transfers, reduce the employee’s taxes and administer benefits easily an offshore company employment is preferred. Working on assignments throughout the world.

Investing 101: Before You Start Investing Money

Doesn’t it make sense to learn to invest (some basics) before you start investing money for real? Maybe a course called investing 101 or personal investing would be helpful. Here this retired financial planner relates a story, and then points the new investor in the right direction so he or she does not start investing uninformed.

In the dean’s office of one of the largest universities in America, I recently asked if they offered investing 101, personal investing, or any finance course where the student could learn to invest. “After all, we all need to start investing money someday, and it is much to one’s advantage to be informed vs. uninformed, isn’t it?” That was my response when told, “no, or at least I can’t find one” by the dean. I was informed that they had well over 50,000 current students enrolled and offered THOUSANDS of courses in the various colleges throughout the university. But he could find no course under the heading of personal investing or investing 101, and he was in charge of the curriculum.

We spent about an hour together searching and were both laughing out loud at what WAS offered. How about a course in “the art of falling down”? It’s offered. Investing 101? Which college in the university would offer such a course? “The athletic department is real big here; maybe they could help”, I suggested. After all, professional football players make big money. They need to learn to invest money (in case their career is short) and should start investing early. I knew a few players when I was a financial planner, but like most folks they tend to procrastinate when the money is flowing in. They’re too busy earning it, and don’t have the time to learn to invest.

The truth of the matter is that I don’t find it funny that it’s difficult to find a down-to earth practical course that most people could truly benefit from, because as a new investor you need to learn to invest money before you start investing for retirement or any other financial goal. As a new investor you may not be able to find a financial planner you can work with or afford. Even if you found one, do you really want to start investing money with him or her without first getting your feet wet in the basics of personal investing? Let’s start at the beginning.

Before you get into financial concepts like asset allocation and strategy, you should first learn the very basics: investment characteristics. How can you compare various alternatives to determine which best suit your needs, financial goals and comfort level? In other words, you need to decide what you are really looking for. And you need a list of factors to consider before you start investing money. For example, do you have a long term goal like retirement, and are you willing to accept a moderate level of risk? If so, there are numerous investment alternatives to consider, and you can also get tax breaks.

On the other hand, if you have a shorter term financial goal and might need access to your money at a moment’s notice, that’s a totally different picture. You need to match your financial wants and needs to the various alternatives that have characteristics best suited to your personal investing goals. There is no single best choice for every financial goal. It’s a matter of give and take. I have a list of 5 factors you must consider and a few other things you should consider before making a decision. This is basic investing 101. Whether you are a new investor or you’ve been at it for a while and have never really taken the time to learn to invest – you should learn the basics.

This is the first in a series of investing 101 articles I plan to write. In my next article I plan to put my list of characteristics you need to consider before you start investing money in black and white. Don’t feel bad if you are an uniformed new investor (or a want to-be). Do something and learn to invest starting with the basics.

Once you have a handle on a few basic financial concepts you can start investing with confidence. Once you learn to invest you can reach your financial goals. If you think I’m trying to build your confidence, you are right. Stay tuned to investing 101 as we get back to basics. No offense to anyone at one of THE largest universities in the country, but there’s a void out there and I plan to fill it.

Finance, Credit, Investments – Economical Categories

Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled.

The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. For example, in “the general theory of finances” there are two definitions of finances:

1) “…Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage”. This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character;

2) “Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production”. This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification.

First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the depreciation fund which is the part of financial domain, belongs not to the distribution and redistribution of the national income (of newly formed value during a year), but to the distribution of already developed value.

This latest first appears to be a part of value of main industrial funds, later it is moved to the cost price of a ready product (that is to the value too) and after its realization, and it is set the depression fund. Its source is taken into account before hand as a depression kind in the consistence of the ready products cost price.

Second, main goal of finances is much wider then “fulfillment of the state functions and obligations and provision of conditions for the widened further production”. Finances exist on the state level and also on the manufactures and branches’ level too, and in such conditions, when the most part of the manufactures are not state.

V. M. Rodionova has a different position about this subject: “real formation of the financial resources begins on the stage of distribution, when the value is realized and concrete economical forms of the realized value are separated from the consistence of the profit”. V. M. Rodionova makes an accent of finances, as distributing relations, when D. S. Moliakov underlines industrial foundation of finances. Though both of them give quite substantiate discussion of finances, as a system of formation, distribution and usage of the funds of money sources, that comes out of the following definition of the finances: “financial cash relations, which forms in the process of distribution and redistribution of the partial value of the national wealth and total social product, is related with the subjects of the economy and formation and usage of the state cash incomes and savings in the widened further production, in the material stimulation of the workers for satisfaction of the society social and other requests”.

In the manuals of the political economy we meet with the following definitions of finances:
“Finances of the socialistic state represent economical (cash) relations, with the help of which, in the way of planned distribution of the incomes and savings the funds of money sources of the state and socialistic manufactures are formed for guaranteeing the growth of the production, rising the material and cultural level of the people and for satisfying other general society requests”.
“The system of creation and usage of necessary funds of cash resources for guarantying socialistic widened further production represent exactly the finances of the socialistic society. And the totality of economical relations arisen between state, manufactures and organizations, branches, regions and separate citizen according to the movement of cash funds make financial relations”.
As we’ve seen, definitions of finances made by financiers and political economists do not differ greatly.
In every discussed position there are:

1) expression of essence and phenomenon in the definition of finances;

2) the definition of finances, as the system of the creation and usage of funds of cash sources on the level of phenomenon.

3) Distribution of finances as social product and the value of national income, definition of the distributions planned character, main goals of the economy and economical relations, for servicing of which it is used.

If refuse the preposition “socialistic” in the definition of finances, we may say, that it still keeps actuality. We meet with such traditional definitions of finances, without an adjective “socialistic”, in the modern economical literature. We may give such an elucidation: “finances represent cash resources of production and usage, also cash relations appeared in the process of distributing values of formed economical product and national wealth for formation and further production of the cash incomes and savings of the economical subjects and state, rewarding of the workers and satisfaction of the social requests”. in this elucidation of finances like D. S. Moliakov and V. M. Rodionov’s definitions, following the traditional inheritance, we meet with the widening of the financial foundation. They concern “distribution and redistribution of the value of created economical product, also the partial distribution of the value of national wealth”. This latest is very actual, relatively to the process of privatization and the transition to privacy and is periodically used in practice in different countries, for example, Great Britain and France.

“Finances – are cash sources, financial resources, their creation and movement, distribution and redistribution, usage, also economical relations, which are conditioned by intercalculations between the economical subjects, movement of cash sources, money circulation and usage”.
“Finances are the system of economical relations, which are connected with firm creation, distribution and usage of financial resources”.

We meet with absolutely innovational definitions of finances in Z. Body and R. Merton’s basis manuals. “Finance – it is the science about how the people lead spending `the deficit cash resources and incomes in the definite period of time. The financial decisions are characterized by the expenses and incomes which are 1) separated in time, and 2) as a rule, it is impossible to take them into account beforehand neither by those who get decisions nor any other person” . “Financial theory consists of numbers of the conceptions… which learns systematically the subjects of distribution of the cash resources relatively to the time factor; it also considers quantitative models, with the help of which the estimation, putting into practice and realization of the alternative variants of every financial decisions take place” .

These basic conceptions and quantitative models are used at every level of getting financial decisions, but in the latest definition of finances, we meet with the following doctrine of the financial foundation: main function of the finances is in the satisfaction of the people’s requests; the subjects of economical activities of any kind (firms, also state organs of every level) are directed towards fulfilling this basic function.

For the goals of our monograph, it is important to compare well-known definitions about finances, credit and investment, to decide how and how much it is possible to integrate the finances, investments and credit into the one total part.

Some researcher thing that credit is the consisting part of finances, if it is discussed from the position of essence and category. The other, more numerous group proves, that an economical category of credit exists parallel to the economical category of finances, by which it underlines impossibility of the credit’s existence in the consistence of finances.

N. K. Kuchukova underlined the independence of the category of credit and notes that it is only its “characteristic feature the turned movement of the value, which is not related with transmission of the loan opportunities together with the owners’ rights”.

N. D. Barkovski replies that functioning of money created an economical basis for apportioning finances and credit as an independent category and gave rise to the credit and financial relations. He noticed the Gnoseological roots of science in money and credit, as the science about finances has business with the research of such economical relations, which lean upon cash flow and credit.
Let’s discuss the most spread definitions of credit. in the modern publications credit appeared to be “luckier”, then finances. For example, we meet with the following definition of credit in the finance-economical dictionary: “credit is the loan in the form of cash and commodity with the conditions of returning, usually, by paying percent. Credit represents a form of movement of the loan capital and expresses economical relations between the creditor and borrower”.

This is the traditional definition of credit. In the earlier dictionary of the economy we read: “credit is the system of economical relations, which is formed while the transmission of cash and material means into the temporal usage, as a rule under the conditions of returning and paying percent”.
In the manual of the political economy published under reduction of V. A. Medvedev the following definition is given: “credit, as an economical category, expresses the created relations between the society, labour collective and workers during formation and usage of the loan funds, under the terms of paying present and returning, during transmission of sources for the temporal usage and accumulation”.

Credit is discussed in the following way in the earlier education-methodological manuals of political economy: “credit is the system of money relations, which is created in the process of using and mobilization of temporarily free cash means of the state budget, unions, manufactures, organizations and population. Credit has an objective character. It is used for providing widened further production of the state and other needs. Credit differs from finances by the returning character, while financing of manufactures and organizations by the state is fulfilled without this condition”.

We meet with the following definition if “the course of economy”: “credit is an economical category, which represents relations, while the separate industrial organizations or persons transmit money means to each-other for temporal usage under the conditions of returning. Creation of credit is conditioned by a historical process of fulfilling the economical and money relations, the form of which is the money relation”.

Following scientists give slightly different definitions of credit:
“Credit – is a loan in the form of money or commodity, which is given to the borrower by a creditor under the conditions of returning and paying the percentage rate by the borrower”.
Credit is giving the temporally free money sources or commodity as a debt for the defined terms by the price of fixed percentage. Thus, a credit is the loan in the form of money or commodity. In the process of this loan’s movement, a definite relations are formed between a creditor (the loan is given by a juridical of physical person, who gives certain cash as a debt) and the debtor.
Combining every definition named above, we come to an idea, that credit is giving money capital of commodity as a debt, for certain terms and material provision under the price of firm percentage rate. It expresses definite economical relations between the participants of the process of capital formation. Necessity of the credit relations is conditioned, from one side, by gathering solid quantity of temporarily free money sources, and from the second side, existence of requests of them.

Though, at the same time we must distinguish two resembling concepts: loan and credit. Loan is characterized by:

o Here, the discussion may touch upon transmission of money and also things form one side (loaner) to another (borrower): a)under the owning of the borrower and, at the same time, b) under the conditions of returning same amount or same quantity and quality of the things;

o The loaning of money may bear no interest;

o Any person may take part in it.
With the difference with loan, credit, which is somehow a private occasion of the loan, represents:

o One side (loaner) gives to the second one (borrower) only money, and _ for temporal usage;

o It may not bear no interest (if the assignment doesn’t foresee something);

o In it creditor is not any person, but a credit organization (at the first place, banks).
So, a credit is the bank credit. To our mind, it is not correct to use “credit” and “loan” as the synonyms.
Banking crediting is the union of relations between bank (as a creditor) and its borrower. These relations touch upon:

a) Giving a certain amount of money to the borrower for definite purpose (though, we meet with the so-called free credits, aims and objects of crediting are not appointed in the assignment);

b) Its opportune returning;

c) Getting percentage rate from the borrower for using the sources under his/her disposal.
The essential foundation of the credit essence and its important element is existence of trust between the two sides (in Latin “credo”, from which comes the word “credit”, means “trust”).
From the position of circulation of money forms (in the abstraction, historical process of formation economical relations and social budget and banking systems expressed by them) comparing different definitions of finances and credit, the paradox conclusion appears: credit is the private occasion of finances. And truly, from the position of movement of the money forms, finances represent the process of formation and usage of the funds of cash means. Very often such movements are fulfilled without returning, but sometimes, it is possible to give loans from the budget for the investment projects of other needs. Also, when a manufacture or corporations use their cash funds and we mean the finances of industrial subject, such usage may be realized as inside the manufacture or corporation (there is no subject about returning or not returning of the usage), so gratis under conditions of returning. This latest is called commercial form because of transmitting the sources to others, but even in this occasion, it is the element of financial system of the manufacture and corporation.

From the point of cash means movement, main character of credit is the process of formation and usage of the funds of cash means under the conditions of returning and, as a rule, taking the value-percentage. If gating the credit value doesn’t take place (even in the exceptional occasions), according to the movement form, credit becomes a private occasion of finances, as from the net financial funds (consequently from the state budget) the loans which bear no interests may be used. If gating credit value takes place, by the appearance form, credit is discussed to be financial modification.

From the historical point of view, finances (especially in the sort of the state budget) and credit (beginning with usury, later commercial and banking) were developing differently for considering credit to be the part of finances. Though, from the genetic-historical point of view, previous loaners, before giving loan, needed gathering the permanent capital not returning, that is the net financial foundation. The banks analogously needed concentration of the important own capital for influxing the consumers’ means and for getting higher percentage rate under the conditions of returning. Herewith, exactly on the financial basis, in the sort of financial fund (which later partially becomes loan fund) part of the bank capital appears to be the reservation (insurance) part of the fund, which by nature is financial and not loan. So notwithstanding the essential distinctions between finances and credit form the genetic-historical point of view, credit appears to be formed from finances and represent their modification.

From the essential position of expressing economical relations of finances and credit, we meet with cardinal distinctions between these two categories. Which mostly expressed by the distinction of the movement forms notwithstanding they are returnable or not. Finances express relations in the aspects of distribution and redistribution of social product and part of the national wealth. Credit expresses distribution of the appropriate value only in the section of percentage given for loan, while according to the loan itself, a only a temporal distribution of money sources takes place.
Herewith, there is a lot of common between the finances and credit as from the essential point of view, so according to the form of movement. At the same time, there is a significant distinction between finances and credit as in the essence, so in the form too. According to this, there must be a kind of generally economical category, which will consider finances and credit as a total unity, and in the bounds of this category itself, the separation of the specific essence of the finances and credit would take place.

Funding of the cash means is common to the researched economical categories. It takes place in any separate system of finances and credit, which have been touched upon during the analyses of defining finances and credit. Word combination “funding of the cash sources (fund formation)” reflects and defines exactly essence and form of economical category of more general character, those of finances and credit categories. Though in the in economical texts and practice, it is very uncomfortable to use a termini, which consists of three words. Also, “unloading” with an information hardens greatly its influxing into the circulation even in the conditions of its strict substantiation and thoroughness.
In the discussing context we consider:

1) wide and narrow understanding of economical category of the finances;

2) discussing finances in narrow understanding under general traditional meaning;

3) discussing finances, as funding of the cash means, in wide understanding, which concerns finances – in narrow meaning and credit – in complete meaning.
Termini “funding” and its equivalent “fund formation” are used by us as the purposeful structuring of cash means, which is based on two poles – accumulation of money sources (gathering) and its usage for definite purpose in the way of financing and crediting.
We have established a new termini – “finance-investment sphere” (FIS). Analyses about interrelation of finances and credit made by us give us an opportunity of proving, that in the given termini, the word “financial” is used with the meaning of funding cash sources, its purposeful structuring. In this process we consider at the same time financial, credit and investments’ economical categories.

Let’s sum up middle results of discussing new concept – “finance-investment sphere” and discuss its investment consisting parts.

The concept “investments” was brought into the native economical science from the West. In the Soviet economical science they for a long time used in the place “investments” the termini “capital placement”, which expressed the usage of the industrial factors in the sphere of real industrial activities during realization of capital projects. From one glance, this termini in its concept is identical to the “investments”, consequently it is possible to use them as synonyms. Though the termini “investments” and “investing” have the advantage towards the termini “capital placement” from linguistic and philological points of view, because they are expressed with one word. This is not only economical and comfortable in the process of working with the termini “investment” itself, but also it gives an opportunity of termini formation. More concretely: “investment process”, “investment domain”, “finance-investment sphere” – all these termini are much more acceptable.
Changing native economical termini with foreign ones is purposeful, if it really matters (by keeping parallel usage of the native termini for the inheritance). Though we must not change native economical termini into foreign ones all together, when by ordinal traditional language easy to explain private and narrow concrete processes and elements get their own termini. The “movement” of these termini is approved in the narrow professional bounds, but their “spitting out” into the economical science may turn economical language into the tangled slang.

Let’s discuss termini – “investment” and “capital placement’s” usage in the economical literature.
Investments are placement of funds into the main and circulation capital for the purpose of getting profit. “Investments in material assets – are the placements of funds into the mobile and real estate (land, buildings, furniture and so on). Investments in financial assets are the placements of funds into the securities bank accounts and other financial instruments”.

We don’t meet with the termini “investments” in the earlier economical dictionary, but we meet the combined termini “investment policy” – the union of the industrial decisions, which guarantee main directions of the capital investments, the activities of their concentration in the determinant suburbs, on which the reaching of planned rates of development of the society production is depended, balancing and effectiveness, getting more and more production and profit of the national income for every lost Ruble”. For today, in the most actual definitions, the capital investments are bounded only by financial means, when not only financial, but also the investment of natural, material-technical and informational resources takes place. Labour resources take an actual place in the investment process. They themselves fulfill this or that investment process.

A positive side of the discussed definitions is that they connect investment policy and capital placements (investments):

– economical development according to the key directions to the concentration;

– providing high rates of economical growth;

– raising an economical effectiveness, which is expressed:

a) by growing the throw off of the production and national income for every lost Ruble;

b) by fulfilling the branch structure of the investments;

c) by improving their technological structure;

d) by optimization of their further production structure.

Compared with such definition of the investments (capital placement) the definition of investments in the dictionary attaching the “Economics” seems to be unimproved: “investments – the expenses of gathering production and industrial means and increasing material reserve”. In this definition current expenses (production expenses) are mixed with the investment (capital) expense. Also, not the investment expenses but (though the investments are followed by the appropriate expenses) exactly advancing. It differs from the expenses by that the means (means) are put by returning the advanced values, also, under the conditions of growth, to which the concept-advanced capital is corresponding. the advancing may be realized in the money, natural-material and informational forms.

Except the termini “investments”, there are two more termini related with the investment. They are shown below.

“Human capital investment” – any activity provided for rising the workers labour productivity (in the way of growing their qualification and developing their abilities); at the expenses of improving the workers’ education, health and raising the mobility of the working forces”. It is very useful to use the mentioned termini, though it needs one correction: the human capital investments do not concern only workers, but also the servants, representatives of every kind of labour.
“Investment commodity, capital goods – a capital.”

In the official manuals of political economy of the reformation time the capital investments are discussed as “expenses for creating new main funds and widening, reconstruction and renewing the active ones”. In this definition the investments (capital placements) during separation of the forms (types) of further production of the main funds are bounded only by main funds (without increases of the circulation funds and insurance reserves):

a) creating new ones;

b) widening;

c) reconstruction;

d) renewing.

Also, the concept of the industrial gathering appears, at the expenses of widening of basic, circulation funds and also insurance reserves takes place”.

You’ll meet below the definitions of investments from “the course of economy”: the investments are called “placements of fund into the basic capital (basic means of production), reserves, also other economical objects and processes, which request long-termed influxing of material and cash means. “According to the division of capital into physical and money forms, the investments too must be divided into material and cash investments”.

They apportion investment commodity, to which belong industrial and nonindustrial building objects, vehicles purposed for changing or widened technical park and the furniture, increasing reserves and others.

“They call the total investments of production an investment product, which is directed towards keeping and increasing the basic capital (basic means) and reserve. Total investments consist of two parts. One of them is called the depreciation; it represents important investment resources for compensation of renewal till the level of before industrial usage, wearing out and repairing of the basic means. Second consisting part of the total investments is represented by net investments – capital investments for the purpose of increasing basic means”. Depreciation is not a compensation resource of wearing the basic funds out, but it is the purposeful financial source of such resources.
Human capital investment is “a specific kind of investments, mostly in education and health protection”.

“Real investments are the investments in the economical branches and also, they are kinds of economical activities, which provide influxing the increases of real capital, that is increasing material values of the industrial means”. We can agree with such definition with one specification that material and nonmaterial values too belong to the real capital (wealth), consequently science-researching experimental-construction results, various information, education of he workers and others. Such service as organization of the excitable games, also the service of redistribution social wealth from one private person to another (except charity).

“Financial investments represent placement of funds into the shares, obligations, promissory notes, other securities and instruments. Such investments, of course, do not give increases of the real material capital, but they help getting profit, consequently at the expenses of changing the course of the securities in the time of speculation, or distinguishing the course in different places of sell and purchasing”. We share wholly such definition, hence it follows that financial investments (if it is not followed by real investments as a result) do not increase real material wealth and real nonmaterial wealth. According to this context, the expression below is very important: “we must distinguish financial investments, which represent placement of the funds in the ways of selling and purchasing the securities for the purpose of getting profit and financial investments, which become cash and real, moved to real physical capital.”

In the “economical course” quoted before long and short-termed investments are separated. Recognizing the existence of the bounds between them, the authors ascribe short-termed investments to “one month or more” investments. If we get such conditioned criteria, that we can call the investments which overcome the terms of some months, long-termed ones, which is very doubtful and we don’t agree with it. A long-termed character of the fund placement is a significant feature of the investments (short-term doesn’t combine with the concept of investments). Principally, it would be better to point out quick compensative, middle termed compensative and long-termed compensative investments:

– less then 6 months – quick compensative;

– from 6 months up to the year and a half – middle termed compensative;

– more then the year and a half – long termed compensative.

We stopped at the definition of the investments in the capital work “economical course” for the special purpose, as, in it the author tried to discuss the concept of investments systemically and quite completely, herewith the book is published just now.

We’ll return to the discussion the definition economical category of “investments” in different publications in the following chapter. The definitions given here are quite enough for having a notion of the level of lighting up the given category in the economical literature.
What conclusions may be made according the definition of the mentioned economical category in the published works, except the made notions and specifications?

There is quite deeply, concretely and thoroughly defined the concept of “investments”, different definitions in the economical literature; but mostly in every works about the investments discussed by us until now, there is not opened the essence of investments as an economical category. In every monograph , even if it has a title investment, as an economical category , there is given only the definition, concept of investments. But, as the Academician Vasil Chantladze explains, “a concept is a discussion, which proves something about the distinguishing feature of the researched object. A concept out of much essential characteristic features represents only one, and essential in it is only – definition”.

But the categories are much wider; it is “a key, the most fundamental concept of every science”. Economical categories theoretically represent real, objectively existed productive relations. A category is the defining of occasions of existed characters, connections, relations of the objective world. Generally, any educational process is fulfilled by the categories, which give opportunities for dividing the processes and occasions semantically, for expressing the definitions of a subject and realize their specific peculiarities and economical relations of a material world.
Our goal is exactly to substantiate investments – as an economical category and also, as a financial category in the narrow understanding.

Here we apply for another manual thesis made by the academician Vasil Chantladze: “every financial relation is an economical one and every financial category is and economical one, but not every economical relation and economical category is financial relation and financial category”.
In the process of defining the investments, it is important to take in mind the sides of resources, expenses and incomes, because investment, from one side, is the result of the manufacture’s activity, and, from another one, – a part of income, which, in this case, is not used for usage.
Another occasion: it is advisable to discuss investments in two aspects: as a category of reserve and flow, which will reflect exactly the connection between “placement of funds” and “investments”.

As we’ve mentioned above, not long ago, in the well-known Soviet literature the concepts of “the placement of funds” and “investments” were accepted to be the synonyms and concerned to be investment of sources for further production of the main funds and formation of the turnover funds. We meet with such understanding of the concept of “investment” (here, they separate three types of the investment expenses: investments in the basic capital of investments, investments in the house building and investments in the reserves) in the modern economical publications and it is mostly used on the macro level during a statistical analyze of economical processes. In this concrete occasion investment is the category of reserve.

Fax Machines Reviews

In the field of telecommunications, the word fax (facsimile) refers to the act of transmitting copies over a telephone network. This system enjoys a distinct advantage because the transfer is immediate. This machine consists of a modem and an image scanner. Sometimes, the equipment is equipped with printers and photo-copiers. Although these machines have existed since the last century, they began to gain popularity in the last two decades due to their economic affordability.

Digital fax machines gained popularity in Japan. In recent years, the internet has made inroads into the field of telecommunications but the machines have continued to remain a popular choice, even in the corporate world,for the transfer of documents. Fax servers have replaced the old fax machines. These can receive faxes and transmit the information over the internet to the user. There are two kinds of fax machines.

The analog machines used earlier, are no longer in vogue. Digital machines have replaced them. The digital machines have two groups, Group three and group four. The machines are classified on the basis of the time they take to transmit a document. There are also different classes of this machines and different transmission rates. These machines use a variety of modulation methods to transmit data. It use two different methods of compression to reduce the amount of data that needs to be transmitted between two machines. These methods are Modified Huffmann and Modified Read. In the Modified Huffmann method each word is scanned and compressed independently. The amount of white space is also reduced considerably. This helps in minimising the time taken for transmission. The Modified Read Method uses a slightly different method of compression.

The first line is scanned using the MH method. The second line is scanned and the differences are determined. These differences are transmitted after a process of encoding. This method pre-supposes that these differences are minimal. The Matsushita White Line Skip is another method of compression but it can be used only on Panasonic machines.

Most of the machines that are used currently belong to the Group Three. Documents are scanned in black and white. Thermal printers that were hitherto used have given way to a generation of this machines. Thermal transfer printers,laser printers and ink-jet printers are some of these machines. Thermal fax papers, however, do not possess legal validity as the ink used in these papers is not indelible.

Fax machines come now in compact sizes and are very portable. They are also all-in-one machines that lend themselves to official and personal use, that can print, scan and fax. These machines have become versatile and they are invaluable in any corporate setting or a business house.