Identify Male Yeast Infection Symptoms

If you were under the impression that only women suffer from candida yeast infection then you would be surprised that men may also suffer from this problem. It is important to identify male yeast infection symptoms because sexual intercourse is one of the ways in which this infection gets transmitted.

Candida is normally known to infect the skin, mouth, colon and the genitals. However most often it is either the vagina in the case of women and penile infection in the case of women that causes a lot of discomfort.

Some of the very common male infection symptoms are itching, irritation and mild pain in the penis head. One may also have pain while urinating. The penis may have redness along with some blisters.

It is always better to visit a doctor to get proper diagnosis and testing done to confirm the presence of this infection rather than self diagnosis. This is important because some of the male yeast infection symptoms are very similar to genital herpes and other sexually transmitted diseases.

Once the problem is confirmed then a natural remedy or one of the home remedies can be tried out. Home remedies used for vaginal candida infection work for the penile infection also. Yogurt and garlic can be used externally as well as consumed orally to get relief from this problem.

If is always recommended to stay away from sex if even one of the partners is infected. Alternately one can use a condom for sexual intercourse to prevent the   transmission  of the infection. In fact both partners should get a diagnosis done and take steps to prevent candida infection.

Preventive steps like wearing cotton undergarments, avoiding soaps with chemicals, changing wet clothes quickly, avoiding perfumes and deodorants in the genitals, avoiding sugar, bread, pickles, preserved mushrooms and other items that have yeast in any form should be avoided. This can help in controlling the problem.

If you are using natural treatment for male yeast infection symptoms along with conventional medicines then it is better to discuss this with your doctor. Sometimes natural herbs can interfere with conventional medicines.

One more important step is to not consume antibiotics for correcting this problem. Repeated use of antibiotics is known to aggravate the problem after a brief period of relief. It has been noted that the candida organism develops resistance to antibiotics after some time. Using time tested and proven natural remedies is the best solution for this problem in the long term.

Things to Do in Athens

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There is an abundance of places to go and things to do in the  city  of  Athens , Greece. You should have no trouble filling your time in  Athens  with wonderful memories and beautiful snapshots. Here are some places to get you started:

Make sure that you see the Acropolis and the Parthenon. This is known as one of the many wonders of the ancient world. Not only is this a great place to spend your time, but also your money. There is a ticket you can purchase that allows you to see the other major archaeological sites as well.

Traveling overseas is an expensive thing to do, even if you budget wisely, but that doesn’t mean that you need to limit the sightseeing that you do to bare minimum.

In an ideal world you will make time to visit the Theater of Herod Atticus, Theater of Dionysious, and the Ancient Agoraare during your vacation in  Athens  since each of these places will have its own merits that you will want to uncover.

Make sure that you set aside ample time to explore these areas so that you do not feel too rushed.

The National Archeological Museum in  Athens  is only a short walk from Syntagma. It will likely take you a half hour to an hour to comfortably complete the walk. It may seem like a long walk, but when you get there you will find that it was more than worth your effort to get there.

There is no better museum on the planet to see a collection of ancient Greek sculpture. Jewelery, pottery, and items found in a shipwreck off the island of Antikithera are also on exhibit at the National Archeological Museum.

Even if you are not a history buff or the slightest bit interested in history, you will have a difficult time not finding just about everything in the National Archeological Museum fascinating.

For those of you that already can’t get enough of history, you will probably want to camp out here and never leave. There is such a vast array of exhibits at the National Archeological Museum that you can’t help but get carried away and want to spend all day there.

Regardless of how you feel about shopping, no trip to  Athens  is complete without a trip to the Angora-Athens Market. Completely regardless of your tastes and preferences of fish, meat, and vegetables you will find that the most likely place around is the Central market on Athinas Street.

Make a stop at the market whenever it fits into your day. Early in the morning trucks unload and you can join most of the Athenian shoppers around midday.

During this time you will get to feel like you are a native to  Athens . Make sure that you ask the locals about their favorite foods at this market. They shop here all the time and can point you in the direction of some foods and finds that you would not have an opportunity to try any other time.

Even if it is something that you are not entirely comfortable with, try to give new foods that you find at this market a try if you want to have a real Greek experience during your
stay in  Athens .

If you are able to, you may seriously wish to consider taking some time to climb Mount Lycabettus. If you choose to put in the effort a breathtaking view and outstanding cafe will await you. If you are not able to make the trek but do want to see the top of the mountain you can take a train close to the top of the mountain. Many visitors say that walking down the mountain is a lot of fun, even if the climb up the mountain was difficult.

You will likely walk through a neighborhood or two on your way down the mountain. Each of these tiny neighborhoods have their own townspeople with aspects of their Greek culture that is unique to their neighborhood.

If you have been fascinated by Greek ways up until this point in your trip you may want to consider trying to spend some extra time on your stroll down the wonderful Mount Lycabettus.

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The Top 5 Key Benefits of Purchasing and Owning Investment Real Estate

So… You may ask yourself, why should you buy or invest in real estate in the First Place? Because it’s the IDEAL investment! Let’s take a moment to address the reasons why people should have investment real estate in the first place. The easiest answer is a well-known acronym that addresses the key benefits for all investment real estate. Put simply, Investment Real Estate is an IDEAL investment. The IDEAL stands for:

• I – Income
• D – Depreciation
• E – Expenses
• A – Appreciation
• L – Leverage

Real estate is the IDEAL investment compared to all others. I’ll explain each benefit in depth.

The “I” in IDEAL stands for Income. (a.k.a. positive cash flow) Does it even generate income? Your investment property should be generating income from rents received each month. Of course, there will be months where you may experience a vacancy, but for the most part your investment will be producing an income. Be careful because many times beginning investors exaggerate their assumptions and don’t take into account all potential costs. The investor should know going into the purchase that the property will COST money each month (otherwise known as negative cash flow). This scenario, although not ideal, may be OK, only in specific instances that we will discuss later. It boils down to the risk tolerance and ability for the owner to fund and pay for a negative producing asset. In the boom years of real estate, prices were sky high and the rents didn’t increase proportionately with many residential real estate investment properties. Many naïve investors purchased properties with the assumption that the appreciation in prices would more than compensate for the fact that the high balance mortgage would be a significant negative impact on the funds each month. Be aware of this and do your best to forecast a positive cash flow scenario, so that you can actually realize the INCOME part of the IDEAL equation.

Often times, it may require a higher down payment (therefore lesser amount being mortgaged) so that your cash flow is acceptable each month. Ideally, you eventually pay off the mortgage so there is no question that cash flow will be coming in each month, and substantially so. This ought to be a vital component to one’s retirement plan. Do this a few times and you won’t have to worry about money later on down the road, which is the main goal as well as the reward for taking the risk in purchasing investment property in the first place.

The “D” in IDEAL Stands for Depreciation. With investment real estate, you are able to utilize its depreciation for your own tax benefit. What is depreciation anyway? It’s a non-cost accounting method to take into account the overall financial burden incurred through real estate investment. Look at this another way, when you buy a brand new car, the minute you drive off the lot, that car has depreciated in value. When it comes to your investment real estate property, the IRS allows you to deduct this amount yearly against your taxes. Please note: I am not a tax professional, so this is not meant to be a lesson in taxation policy or to be construed as tax advice.

With that said, the depreciation of a real estate investment property is determined by the overall value of the structure of the property and the length of time (recovery period based on the property type-either residential or commercial). If you have ever gotten a property tax bill, they usually break your property’s assessed value into two categories: one for the value of the land, and the other for the value of the structure. Both of these values added up equals your total “basis” for property taxation. When it comes to depreciation, you can deduct against your taxes on the original base value of the structure only; the IRS doesn’t allow you to depreciate land value (because land is typically only APPRECIATING). Just like your new car driving off the lot, it’s the structure on the property that is getting less and less valuable every year as its effective age gets older and older. And you can use this to your tax advantage.

The best example of the benefit regarding this concept is through depreciation, you can actually turn a property that creates a positive cash flow into one that shows a loss (on paper) when dealing with taxes and the IRS. And by doing so, that (paper) loss is deductible against your income for tax purposes. Therefore, it’s a great benefit for people that are specifically looking for a “tax-shelter” of sorts for their real estate investments.

For example, and without getting too technical, assume that you are able to depreciate $15,000 a year from a $500,000 residential investment property that you own. Let’s say that you are cash-flowing $1,000 a month (meaning that after all expenses, you are net-positive $1000 each month), so you have $12,000 total annual income for the year from this property’s rental income. Although you took in $12,000, you can show through your accountancy with the depreciation of the investment real estate that you actually lost $3,000 on paper, which is used against any income taxes that you may owe. From the standpoint of IRS, this property realized a loss of $3,000 after the “expense” of the $15,000 depreciation amount was taken into account. Not only are there no taxes due on that rental income, you can utilize the paper loss of $3,000 against your other regular taxable income from your day-job. Investment property at higher price points will have proportionally higher tax-shelter qualities. Investors use this to their benefit in being able to deduct as much against their taxable amount owed each year through the benefit of depreciation with their underlying real estate investment.

Although this is a vastly important benefit to owning investment real estate, the subject is not well understood. Because depreciation is a somewhat complicated tax subject, the above explanation was meant to be cursory in nature. When it comes to issues involving taxes and depreciation, make sure you have a tax professional that can advise you appropriately so you know where you stand.

The “E” in IDEAL is for Expenses – Generally, all expenses incurred relating to the property are deductible when it comes to your investment property. The cost for utilities, the cost for insurance, the mortgage, and the interest and property taxes you pay. If you use a property manager or if you’re repairing or improving the property itself, all of this is deductible. Real estate investment comes with a lot of expenses, duties, and responsibilities to ensure the investment property itself performs to its highest capability. Because of this, contemporary tax law generally allows that all of these related expenses are deductible to the benefit of the investment real estate landowner. If you were to ever take a loss, or purposefully took a loss on a business investment or investment property, that loss (expense) can carry over for multiple years against your income taxes. For some people, this is an aggressive and technical strategy. Yet it’s another potential benefit of investment real estate.

The “A” in IDEAL is for Appreciation – Appreciation means the growth of value of the underlying investment. It’s one of the main reasons that we invest in the first place, and it’s a powerful way to grow your net worth. Many homes in the city of San Francisco are several million dollars in today’s market, but back in the 1960s, the same property was worth about the cost of the car you are currently driving (probably even less!). Throughout the years, the area became more popular and the demand that ensued caused the real estate prices in the city to grow exponentially compared to where they were a few decades ago. People that were lucky enough to recognize this, or who were just in the right place at the right time and continued to live in their home have realized an investment return in the 1000’s of percent. Now that’s what appreciation is all about. What other investment can make you this kind of return without drastically increased risk? The best part about investment real estate is that someone is paying you to live in your property, paying off your mortgage, and creating an income (positive cash flow) to you each month along the way throughout your course of ownership.

The “L” in IDEAL stands for Leverage – A lot of people refer to this as “OPM” (other people’s money). This is when you are using a small amount of your money to control a much more expensive asset. You are essentially leveraging your down payment and gaining control of an asset that you would normally not be able to purchase without the loan itself. Leverage is much more acceptable in the real estate world and inherently less risky than leverage in the stock world (where this is done through means of options or buying “on Margin”). Leverage is common in real estate. Otherwise, people would only buy property when they had 100% of the cash to do so. Over a third of all purchase transactions are all-cash transactions as our recovery continues. Still, about 2/3 of all purchases are done with some level of financing, so the majority of buyers in the market enjoy the power that leverage can offer when it comes to investment real estate.

For example, if a real estate investor was to buy a house that costs $100,000 with 10% down payment, they are leveraging the remaining 90% through the use of the associated mortgage. Let’s say the local market improves by 20% over the next year, and therefore the actual property is now worth $120,000. When it comes to leverage, from the standpoint of this property, its value increased by 20%. But compared to the investor’s actual down payment (the “skin in the game”) of $10,000- this increase in property value of 20% really means the investor doubled their return on the investment actually made-also known as the “cash on cash” return. In this case, that is 200%-because the $10,000 is now responsible and entitled to a $20,000 increase in overall value and the overall potential profit.

Although leverage is considered a benefit, like everything else, there can always be too much of a good thing. In 2007, when the real estate market took a turn for the worst, many investors were over-leveraged and fared the worst. They could not weather the storm of a correcting economy. Exercising caution with every investment made will help to ensure that you can purchase, retain, pay-off debt, and grow your wealth from the investment decisions made as opposed to being at the mercy and whim of the overall market fluctuations. Surely there will be future booms and busts as the past would dictate as we continue to move forward. More planning and preparing while building net worth will help prevent getting bruised and battered by the side effects of whatever market we find ourselves in.

Many people think that investment real estate is only about cash flow and appreciation, but it’s so much more than that. As mentioned above, you can realize several benefits through each real estate investment property you purchase. The challenge is to maximize the benefits through every investment.

Furthermore, the IDEAL acronym is not just a reminder of the benefits of investment real estate; it’s also here to serve as a guide for every investment property you will consider purchasing in the future. Any property you purchase should conform to all of the letters that represent the IDEAL acronym. The underlying property should have a good reason for not fitting all the guidelines. And in almost every case, if there is an investment you are considering that doesn’t hit all the guidelines, by most accounts you should probably PASS on it!

Take for example a story of my own, regarding a property that I purchased early on in my real estate career. To this day, it’s the biggest investment mistake that I’ve made, and it’s precisely because I didn’t follow the IDEAL guidelines that you are reading and learning about now. I was naïve and my experience was not yet fully developed. The property I purchased was a vacant lot in a gated community development. The property already had an HOA (a monthly maintenance fee) because of the nice amenity facilities that were built for it, and in anticipation of would-be-built homes. There were high expectations for the future appreciation potential-but then the market turned for the worse as we headed into the great recession that lasted from 2007-2012. Can you see what parts of the IDEAL guidelines I missed on completely?

Let’s start with “I”. The vacant lot made no income! Sometimes this can be acceptable, if the deal is something that cannot be missed. But for the most part this deal was nothing special. In all honesty, I’ve considered selling the trees that are currently on the vacant lot to the local wood mill for some actual income, or putting up a camping spot ad on the local Craigslist; but unfortunately the lumber isn’t worth enough and there are better spots to camp! My expectations and desire for price appreciation blocked the rational and logical questions that needed to be asked. So, when it came to the income aspect of the IDEAL guidelines for a real estate investment, I paid no attention to it. And I paid the price for my hubris. Furthermore, this investment failed to realize the benefit of depreciation as you cannot depreciate land! So, we are zero for two so far, with the IDEAL guideline to real estate investing. All I can do is hope the land appreciates to a point where it can be sold one day. Let’s call it an expensive learning lesson. You too will have these “learning lessons”; just try to have as few of them as possible and you will be better off.

When it comes to making the most of your real estate investments, ALWAYS keep the IDEAL guideline in mind to make certain you are making a good decision and a solid investment.

Balkan Holidays – 10 City Breaks in the Balkans

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A city break is an ideal way to learn something of a different culture in a few days. A city break gives you a chance to absorb a new experience. The Balkan region has a diverse mix of geography, history and culture.

City breaks in the Balkans offer something for everyone no matter what your age, taste, or whether you are part of a group or travelling alone.

Here are 10 cities that reflect the character of the Balkans.

1. Belgrade – Serbia

Belgrade is known for being a vibrant and trendy city and has a reputation for offering a vibrant nightlife the best features of which are the barges spread along the banks of the Sava and Danube Rivers.

Belgrade boasts two opera houses, a number of museums, including the National Museum, and the Museum of Contemporary Art. There is also some stunning architecture

A former river island, Ada Ciganlija, on the Sava river, is Belgrade’s biggest sports and recreational complex. It is the most popular destination for Belgraders and visitors alike during the city’s hot summers.

2. Bucharest – Romania

Bucharest is known for its wide, tree-lined boulevards, glorious Belle Epoque buildings and a reputation for the high life, which at one time, earned it the nickname of “Little Paris”.

Bucharest has much historical charm – from the streets of the Old City Centre, which are slowly being restored, to the grand architecture of the Royal Palace and the lush green of Cismigiu Park. The city also claims a large number of museums, art galleries, exquisite Orthodox churches and unique architectural sites.

3. Dubrovnik – Croatia

Dubrovnik is one of the world’s finest and best preserved fortified cities and features two kilometres of walls, some 6 metres thick in places lined with turrets and towers, that run around the city. George Bernard Shaw said in 1929: “If you want to see heaven on earth, come to Dubrovnik”.

4. Ljubljana – Slovenia

Ljubljana is a charming city, the numerous parks and a vibrant cultural scene. There are numerous art galleries and museums and a mediaeval castle located at the summit of the hill that dominates the city centre.

Ljubljana Zoo covers has 152 animal species. An antique flea market takes place every Sunday in the old city. Tivoli Park is the largest park in in the city, has 3 main avenues, planted with chestnut-trees.

5. Sarajevo – Bosnia

Sarajevo is surrounded by the Dinaric Alps and situated around the Miljacka river, commonly known as the Sarajevo River. This river is one of the main features of the city. In December 2009, Lonely Planet listed Sarajevo as one of the top ten cities to visit in 2010

A great way to get around this city is on the electric tram system. Sarajevo was the first city in Europe to have a full-time operational electric tram network running through the city.

6. Skopje – Macedonia

Mother Teresa was born in Skopje, and the Memorial House of Mother Teresa commemorates this. There are many old churches and mosques to visit for those who love history and architecture.

Many famous worldwide artists have attended the music festivals over the years. The Skopje Jazz Festival is part of the European Jazz Network. The Blues and Soul Festival in early July is part of the Skopje Cultural Summer Festival and the May Opera Evenings have been one of the most visited events in Skopje.

The City Park is home to the main museum, several monuments, small lakes, cafes and restaurants. The city Zoo and stadium are also here along with several nightclubs.

7. Sofia – Bulgaria

Sofia is nestled in the foothills of Vitosha Mountain, which makes it an ideal location for hiking and skiing. The city of Sofia is a lively, bustling and cosmopolitan city with many nightclubs, live venues and traditional Bulgarian taverns and restaurants. Many famous musicians have played in Sofia.

Sofia houses numerous museums and art galleries, including the National Historical Museum, the Bulgarian Natural History Museum, the Museum of Earth and Men.

The city has many places of special interest, museums and churches, and has a UNESCO World Heritage site, the Boyana Church

8 Split – Croatia

The city is located on the eastern shore of the Adriatic Sea and offers great links to surrounding seaside towns and to the numerous Adriatic Islands.

The city centre is taken up by the Historical Complex of Split with the Palace of Diocletian, which is UNESCO World Heritage Site.

9. Athens – Greece

Athens is home to the world famous Acropolis? The Parthenon and the other main buildings on the Acropolis were built by Pericles in the fifth century BC as a monument to the cultural and political achievements of the inhabitants of Athens. You could spend some days exploring this and it is best to start early on the hot summer days.

The Plaka is the oldest section of Athens. It is now a pedestrian area of restaurants, tourist shops, and cafes and is an enjoyable place to relax.

The National Archaeological Museum ranks among the top ten museums in the world.

10. Istanbul – Turkey

Istanbul, the historic city that stands in Europe and Asia and has the status of 2010 European Capital of Culture is an ideal venue for a city break.

In Istanbul’s steep and bustling streets, and visitors can spend hours buying or viewing the wonderful products on offer in the markets, where bargaining is essential. The Grand Bazaar, has over 4,000 craft shops, selling carpets, pottery, jewels, and antiques in its labyrinths.

There are many monuments and historical sites including the Hagia Sophie and one of the greatest examples of Islamic architecture, the “Blue Mosque”

Be sure to take a ferry along the Bosphorus Strait, and enjoy magnificent panoramic views of the city especially at sunset.

There are many more places in the Balkans that make it ideal for a short city break.

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Danger of Blood Borne Pathogens Contaminations!

Blood borne pathogens are microorganisms such as viruses or bacterias that are carried in blood or body fluid and can cause disease in people, including, Hepatitis B (HBV), AIDS and the Human Immunodeficiency Virus (HIV), Blood borne pathogens can be transmitted through contact with infected human blood and other potentially infectious body fluids.

Occupation Exposure can occur through :

1. Accidental puncture from contaminated needles, broken glass, or other sharps.

2. Contact between broken or damaged skin and infected skin and infected body fluids.

3. Contact between mucous membranes and infected body fluid.

In an emergency situation involving blood or potentially infectious materials, always use Universal Precautions and try to to minimize your exposure by wearing gloves, splash goggles, pocket mouth to mouth resuscitation masks, and other barrier devices.

If you are exposed:

1. Wash the exposed area thoroughly with soap and running water. Use non-abrasive, anti-bacterial soap if possible. If the blood is splashed in the eye or mucous membrane, flush the affected area with running water for at least 15 minutes.

2. Take a blood test and Hepatitis B vaccination.

3. Tell your doctor the source individual. Try to get the individual blood tested as soon as possible for HIV or HBV after consent is obtained.

Anytime there is blood-to-blood contact with infected blood or body fluids, there is slight potential for transmission.

Unbroken skin forms an impervious barrier against blood borne pathogens. However, infected blood can enter your system through:

Open sores, cuts, abrasions, acne, and any sort of damaged skin such as sun burns or blisters, damaged or open wounds.

Always take precaution and treat all human body fluids and items soiled with human body fluids as contaminated. With contaminated, always first thing to do is to disinfect all spills of body fluid and pre-soak all contaminated clothing.

Athens, A Trip To Antiquity

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Anyone who studies the classics or has a unique interest in history of philosophy should venture to the great metropolis of  Athens . The first step in planning such an adventure is obtaining a US passport. After that feat is accomplished then  Athens  is only a plane ride away.

Passports

Passports have been around for quite a while, they originated in France and then the US picked up on them. They became valid travel documents permitting travel to foreign lands. They are required today in order to travel to another country. They used to be somewhat difficult to obtain, now through technology and the internet they are readily available as well as ll the other passport services that may be needed.

 Athens 

 Athens  is named after the warrior Goddess Athena. She is the patron deity of this ancient thriving metropolis. Greek myths of the clash of the titans versus Olympic Gods have permeated literature and other aspects of world culture. There are very few people who are completely unfamiliar with any Greek myth. History books are full of ancient epic battles involving the Athenians and surrounding ancient peoples.

Sites

There are many sites to visit in  Athens , each rich with history and culture. The Parthenon is perhaps the most famous of the Athenian ruins. Its is the temple to Athena that stands on the top of the great hill, or Acropolis. There is also Syntagma Square, The National Archaeological Museum, and Mount Olympus. These are just a few of the many sites that  Athens  has to offer.

Parthenon

The Parthenon is one of the most famous sites of  Athens . It is atop the hill, Acropolis. This structure was built in honor of the great Goddess Athena who was the cities deity. The Parthenon has had many uses since it was temple to Athena. It has been a church, a Muslim mosque, and was even a munitions depot when the Turkish occupied Greece. Through all that it has remained almost in tact.

Syntagma Square

Syntagma Square is the central of the  Athens  business district. Synt
agma translated means constitution. So it is constitution square, where government buildings are and fountains and even Greek guards. Syntagma Square is where all major filming and photo shooting is done in Greece.

National Archaeological Museum

The National Archaeological Museum is the countries largest museum. It was originally constructed to hold the excavated finds from the nineteenth century, but since then it has grown. It now holds over 11,000 exhibits from Ancient  Athens  and beyond. The items featured range from pre-historic collections to the Bronze Age and also feature items from Egypt as well.

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Tips for Success During College

1. Taking a year off before starting college usually does not work; “find yourself” during the Summer after you graduate from high school. The best time to start and complete college is between the ages of 18 and 22. It is more difficult to start and complete college after these ages, because your responsibilities increase as you become older

2. Understand the number of classes and credits that you will need to graduate, and spread them over the number of semesters it will take for you to graduate; typically 8 semesters over 4 years. Note, some colleges refer to “units” and “semester hours”, instead of “classes” and “credits”. If you take classes during the Summer, you can lighten your load during the school year or graduate early. Note also, an increasing number of students are completing college over 5 years, instead of the customary 4 years.

3. Do not wait until the last minute to schedule your classes.

4. When choosing classes, take one tough class, two moderate classes, and one easy class; do not bury yourself by taking all difficult classes in a semester.

5. Spread your classes over at least 4 days per week. This will typically spread out your final exams. You want to avoid having to take multiple final exams on a given day.

6. Ask other students about their experiences with professors, and keep a list of the good and bad professors. Professors are also rated on the internet. Avoid the bad professors.

7. When scheduling classes, be cognizant of the location of such classes. You do not want to have to hurry between classes to avoid being late.

8. Get your books ahead of time whenever possible.

9. At the beginning of each semester, schedule all projects and exams; stay organized throughout each semester; utilize a written or electronic planner.

10. Turn your phone off while attending class, and while studying.

11. Spread your homework over seven days. Do not fall behind with your homework.

12. Review your class notes every evening, and add to them when necessary.

13. Before submitting papers, use the spell check on your computer and fully justify your papers.

14. Professors typically make themselves available during office hours, do not be scared to ask for help.

15. Do not skip classes; the professors usually emphasize the material that will be on the exams.

16. Some professors make available old exams at the library, or online; look at them when available.

17. When studying for an exam, study the material that you do not know, instead of the material that you do know. Do not always review the material from the oldest chapter to the newest chapter. Once in a while, start with the newest chapter and work backwards.

18. Two weeks prior to your final exams, your entire focus should be on completing your final papers and studying for such exams.

19. Prior to starting your first answer on any exam, quickly scan the entire exam so you can allocate your time between questions.

20. If you finish an exam early, take the time to check your answers before turning the exam in.

21. When it comes to choosing a major, pick something that you enjoy, something that interests you, and something that will allow you to make a living after college.

22. After you choose a major, be aware that higher level courses are not offered every semester. As a result, plan your schedule of classes accordingly, so that you do not have to attend an extra semester or two to complete your coursework.

23. Look for Summer internships to gain experience in your chosen field, and to prepare you for a career after graduation.

24. Treat college like a full-time job; you will need to commit a substantial portion of each day to attending classes and studying.

25. Keep a list of those professors who show an interest in your performance, and who you believe will be willing to provide you with a recommendation for graduate school or when applying for a job.

26. Begin your post-graduate work as soon as possible after graduating from college.

27. If you need to borrow money to go away to school, only borrow what you need. Alternatively, consider attending a community college for the first two years to reduce your outstanding student loans when you are finished.

28. Do not use your student loans to pay for Spring Break or other vacations; you will regret it later.

29. Alternatively, attending a four year college that you can commute to is also a viable option, which will also help you save for graduate school or life after college.

30. If you need to work part-time while attending college, accumulate your work hours over a couple of days if possible. This will reduce the downtime that is involved in preparing for, and traveling to and from, work.

31. If your parents are paying for your tuition, room and board, and meals, thank them repeatedly; they are making sacrifices for your benefit.

32. If you are leasing an apartment or house, read the lease closely before signing it. Immediately upon moving in, inspect the apartment or house thoroughly and submit a dated list of damages and repairs needed for the apartment or house. If possible, it would also be beneficial to take date-stamped photos or videos upon moving in, and after moving out, of the apartment or house. College town landlords are notorious for excessive repair costs and refusing to refund security deposits.

33. When moving out of your apartment or house, make sure to transfer the utility bills out of your name. Do not rely on roommates who may be staying in the apartment or house for an additional period of time. If these utility bills remain unpaid and end up in collection, they will damage your credit score for years.

34. If you live off campus, consider purchasing a meal plan so that you can eat at a nearby dorm between classes, so as to avoid the hassle of returning home for lunch.

35. Stay in touch with your parents and siblings. This will keep you grounded and you will feel more secure.

36. Ask your parents to keep your bedroom intact, so you have something to come home to, and feel comfortable in, when times get tough, when you become homesick, when you are home for the Summer and holidays, or when you just want to visit.

37. Get your rest. Treat college like a marathon, and not like a 100 yard dash.

38. Take a shower every day and wash your clothes regularly; it will cause you to be more desirable and efficient.

39. Learn to manage your time.

40. Limit the tattoos, body piercing, and gauging. If you do not limit the same, you will regret it when you get older.

41. Do not party like it is the last day of your life; everything in moderation, which includes Spring Break.

42. When you do party, do not get wasted; nothing good comes out of it.

43. Inevitably, the police will show up at a party that you are attending; show them respect and behave yourself in their presence.

44. Do not drink and drive. Note, being ticketed as a minor in possession can also be detrimental to your career.

45. Walk away from conflict. There is no need to get into a brawl over anything.

46. Avoid being involved in hazing. If you do get involved in hazing, use your common sense; make sure the person being hazed is not physically at risk.

47. If you become sexually active, practice safe sex and birth control. Remember, some sexually transmitted diseases last forever; and “no!” means “no!”.

48. Be a leader, not a follower.

49. There is no substitute for dedication and hard work; your effort should be 100% at all times.

50. To be successful, you need to grab the bull by the horns, stick your foot halfway up its rear, and try to control it.

51. Success during college, and obtaining a college degree, is your ticket to a better life. Do not waste the opportunity.

The Difference Between Being Smart, Educated, and Intelligent

I’ve always been intrigued by the subject of intelligence. As a child my mother would refer to me as “smart,” but I quickly noticed that all parents refer to their children as smart. In time I would discover that all children are not smart, just as all babies are not cute. If that were the case, we’d have a world full of beautiful, smart people – which we don’t.

Some of us are smart; but not as smart as we think, and others are smarter than they seem, which makes me wonder, how do we define smart? What makes one person smarter than another? When do “street smarts” matter more than “book smarts”? Can you be both smart and stupid? Is being smart more of a direct influence of genetics, or one’s environment?

Then there are the issues of education, intelligence and wisdom.

What does it mean to be highly educated? What’s the difference between being highly educated and highly intelligent? Does being highly educated automatically make you highly intelligent? Can one be highly intelligent without being highly educated? Do IQs really mean anything? What makes a person wise? Why is wisdom typically associated with old age?

My desire to seek answers to these questions inspired many hours of intense research which included the reading of 6 books, hundreds of research documents, and countless hours on the Internet; which pales in comparison to the lifetime of studies and research that pioneers in the fields of intelligence and education like Howard Gardner, Richard Sternberg, Linda S. Gottfredson, Thomas Sowell, Alfie Kohn, and Diane F. Halpern whose work is cited in this article.

My goal was simple: Amass, synthesize, and present data on what it means to be smart, educated and intelligent so that it can be understood and used by anyone for their benefit.

PRENATAL CARE

With this in mind, there was not a better (or more appropriate) place to start than at the very beginning of our existence: as a fetus in the womb.

There is mounting evidence that the consumption of food that’s high in iron both before and during pregnancy is critical to building the prenatal brain. Researchers have found a strong association between low iron levels during pregnancy and diminished IQ. Foods rich in iron include lima beans, kidney beans, pinto beans, spinach, asparagus, broccoli, seafoods, nuts, dried fruits, oatmeal, and fortified cereals.

Children with low iron status in utero (in the uterus) scored lower on every test and had significantly lower language ability, fine-motor skills, and tractability than children with higher prenatal iron levels. In essence, proper prenatal care is critical to the development of cognitive skills.

COGNITIVE SKILLS

Cognitive skills are the basic mental abilities we use to think, study, and learn. They include a wide variety of mental processes used to analyze sounds and images, recall information from memory, make associations between different pieces of information, and maintain concentration on particular tasks. They can be individually identified and measured. Cognitive skill strength and efficiency correlates directly with students’ ease of learning.

DRINKING, PREGNANCY, AND ITS INTELLECTUAL IMPACT

Drinking while pregnant is not smart. In fact, it’s downright stupid.

A study in Alcoholism: Clinical & Experimental Research has found that even light to moderate drinking – especially during the second trimester – is associated with lower IQs in offspring at 10 years of age. This result was especially pronounced among African-American rather than Caucasian offspring.

“IQ is a measure of the child’s ability to learn and to survive in his or her environment. It predicts the potential for success in school and in everyday life. Although a small but significant percentage of children are diagnosed with Fetal Alcohol Syndrome (FAS) each year, many more children are exposed to alcohol during pregnancy who do not meet criteria for FAS yet experience deficits in growth and cognitive function,” said Jennifer A. Willford, assistant professor of psychiatry at the University of Pittsburgh School of Medicine.

Paul D. Connor, clinical director of the Fetal Alcohol and Drug Unit and assistant professor in the department of psychiatry and behavioral sciences at the University of Washington has this to say about the subject:

“There are a number of domains of cognitive functioning that can be impaired even in the face of a relatively normal IQ, including academic achievement (especially arithmetic), adaptive functioning, and executive functions (the ability to problem solve and learn from experiences). Deficits in intellectual, achievement, adaptive, and executive functioning could make it difficult to appropriately manage finances, function independently without assistance, and understand the consequences of – or react appropriately to – mistakes.”

This is a key finding which speaks directly to the (psychological) definition of intelligence which is addressed later in this article.

ULTRA SOUNDS

Studies have shown that the frequent exposure of the human fetus to ultrasound waves is associated with a decrease in newborn body weight, an increase in the frequency of left-handedness, and delayed speech.

Because ultrasound energy is a high-frequency mechanical vibration, researchers hypothesized that it might influence the migration of neurons in a developing fetus. Neurons in mammals multiply early in fetal development and then migrate to their final destinations. Any interference or disruption in the process could result in abnormal brain function.

Commercial companies (which do ultrasounds for “keepsake” purposes) are now creating more powerful ultrasound machines capable of providing popular 3D and 4D images. The procedure, however, lasts longer as they try to make 30-minute videos of the fetus in the uterus.

The main stream magazine New Scientist reported the following: Ultrasound scans can stop cells from dividing and make them commit suicide. Routine scans, which have let doctors peek at fetuses and internal organs for the past 40 years, affect the normal cell cycle.

On the FDA website this information is posted about ultrasounds:

While ultrasound has been around for many years, expectant women and their families need to know that the long-term effects of repeated ultrasound exposures on the fetus are not fully known. In light of all that remains unknown, having a prenatal ultrasound for non-medical reasons is not a good idea.

NATURE VERSUS NURTURE…THE DEBATE CONTINUES

Now that you are aware of some of the known factors which determine, improve, and impact the intellectual development of a fetus, it’s time for conception. Once that baby is born, which will be more crucial in the development of its intellect: nature (genetics) or nurture (the environment)?

Apparently for centuries, scientists and psychologists have gone back and forth on this. I read many comprehensive studies and reports on this subject during the research phase of this article, and I believe that it’s time to put this debate to rest. Both nature and nurture are equally as important and must be fully observed in the intellectual development of all children. This shouldn’t be an either/or proposition.

A recent study shows that early intervention in the home and in the classroom can make a big difference for a child born into extreme poverty, according to Eric Turkheimer, a psychologist at the University of Virginia in Charlottesville. The study concludes that while genetic makeup explains most of the differences in IQ for children in wealthier families, environment – and not genes – makes a bigger difference for minority children in low-income homes.

Specifically, what researchers call “heritability”- the degree to which genes influence IQ – was significantly lower for poor families. “Once you’re put into an adequate environment, your genes start to take over,” Mr. Turkheimer said, “but in poor environments genes don’t have that ability.”

But there are reports that contradict these findings…sort of.

Linda S. Gottfredson, a professor of educational studies at the University of Delaware, wrote in her article, The General Intelligence Factor that environments shared by siblings have little to do with IQ. Many people still mistakenly believe that social, psychological and economic differences among families create lasting and marked differences in IQ.

She found that behavioral geneticists refer to such environmental effects as “shared” because they are common to siblings who grow up together. Her reports states that the heritability of IQ rises with age; that is to say, the extent to which genetics accounts for differences in IQ among individuals increases as people get older.

In her article she also refers to studies comparing identical and fraternal twins, published in the past decade by a group led by Thomas J. Bouchard, Jr., of the University of Minnesota and other scholars, show that about 40 percent of IQ differences among preschoolers stems from genetic differences, but that heritability rises to 60 percent by adolescence and to 80 percent by late adulthood.

And this is perhaps the most interesting bit of information, and relevant to this section of my article:

With age, differences among individuals in their developed intelligence come to mirror more closely their genetic differences. It appears that the effects of environment on intelligence fade rather than grow with time.

Bouchard concludes that young children have the circumstances of their lives imposed on them by parents, schools and other agents of society, but as people get older they become more independent and tend to seek out the life niches that are most congenial to their genetic proclivities.

BREAST-FEEDING INCREASES INTELLIGENCE

Researchers from Christchurch School of Medicine in New Zealand studied over 1,000 children born between April and August 1977. During the period from birth to one year, they gathered information on how these children were fed.

The infants were then followed to age 18. Over the years, the researchers collected a range of cognitive and academic information on the children, including IQ, teacher ratings of school performance in reading and math, and results of standardized tests of reading comprehension, mathematics, and scholastic ability. The researchers also looked at the number of passing grades achieved in national School Certificate examinations taken at the end of the third year of high school.

The results indicated that the longer children had been breast-fed, the higher they scored on such tests.

TALKING TO YOUR CHILDREN MAKES A DIFFERENCE

Thomas Sowell, author of Race, IQ, Black Crime, and facts Liberals Ignore uncovered some fascinating information that every parent should take note of. He writes:

There is a strong case that black Americans suffer from a series of disadvantageous environments. Studies show time and again that before they go to school, black children are on average exposed to a smaller vocabulary than white children, in part due to socioeconomic factors.

While children from professional households typically exposed to a total of 2,150 different words each day, children from working class households are exposed to 1,250, and children from households on welfare a mere 620.

Yes, smart sounding children tend to come from educated, professional, two-parent environments where they pick-up valuable language skills and vocabulary from its smart sounding inhabitants.

Mr. Sowell continues: Black children are obviously not to blame for their poor socioeconomic status, but something beyond economic status is at work in black homes. Black people have not signed up for the “great mission” of the white middle class – the constant quest to stimulate intellectual growth and get their child into Harvard or Oxbridge.

Elsie Moore of Arizona State University, Phoenix, studied black children adopted by either black or white parents, all of whom were middle-class professionals. By the age of 7.5 years, those in black homes were 13 IQ points behind those being raised in the white homes.

ACCUMULATED ADVANTAGES

At this juncture in my research it dawned on me, and should be fairly obvious to you, that many children are predisposed to being smart, educated, and intelligent, simply by their exposure to the influential factors which determine them long before they start school.

An informed mother, proper prenatal care, educated, communicative parents, and a nurturing environment in which to live, all add up to accumulated advantages that formulate intellectual abilities. As you can see, some children have unfair advantages from the very beginning.

Malcolm Gladwell, author of top-selling book Outliers, wrote that “accumulated advantages” are made possible by arbitrary rules…and such unfair advantages are everywhere. “It is those who are successful who are most likely to be given the kinds of social opportunities that lead to further success,” he writes. “It’s the rich who get the biggest tax breaks. It’s the best students who get the best teaching and most attention.”

With that in mind, we turn our attention to education and intelligence.

WHAT DOES IT MEAN TO BE WELL EDUCATED?

Alfie Kohn, author of the book What Does It Mean To Be Well Educated? poses the question, does the phrase well educated refer to a quality of schooling you received, or something about you? Does it denote what you were taught? Or what you remember?

I contend that to be well educated is all in the application; the application and use of information. Information has to be used in order to become knowledge, and as we all have heard, knowledge is power.

Most people are aware of the floundering state of education in this country on some level. We tell our children that nothing is more important than getting a “good” education, and every year, due to government budget shortfalls, teachers are laid off, classes are condensed, schools are closed, and many educational programs – especially those which help the underprivileged – are cut.

The reality is, we don’t really value education. We value it as a business, an industry, political ammunition, and as an accepted form of discrimination, but not for what it was intended: a means of enriching one’s character and life through learning.

What we value as a society, are athletes and the entertainment they offer. The fact that a professional athlete makes more money in one season, than most teachers in any region will make in their careers, is abominable. There’s always money to build new sports stadiums, but not enough to give teachers a decent (and well-deserved) raise.

Ironically, the best teachers don’t go into the profession for money. They teach because it’s a calling. Most of them were influenced by a really good teacher as a student. With the mass exodus of teachers, many students are not able to cultivate the mentoring relationships that they once were able to because so many are leaving the profession – voluntarily and involuntarily – within an average of three years.

At the high school level, where I got my start, the emphasis is not on how to educate the students to prepare them for life, or even college (all high schools should be college-prep schools, right?), it was about preparing them to excel on their standardized tests. Then the controversial “exit” exams were implemented and literally, many high schools were transformed into testing centers. Learning has almost become secondary.

This mentality carries over into college, which of course there’s a test one must take in order to enroll (the SAT or ACT). This explains why so many college students are more concerned with completing a course, than learning from it. They are focused on getting “A’s” and degrees, instead of becoming degreed thinkers. The latter of which are in greater demand by employers and comprise the bulk of the self-employed. The “get-the-good-grade” mindset is directly attributable to the relentless and often unnecessary testing that our students are subjected to in schools.

Alfie Kohn advocates the “exhibition” of learning, in which students reveal their understanding by means of in-depth projects, portfolios of assignments, and other demonstrations.

He cites a model pioneered by Ted Sizer and Deborah Meier. Meier has emphasized the importance of students having five “habits of mind,” which are: the value of raising questions about evidence (“How do we know what we know?”), point of view, (“Whose perspective does this represent?”), connections (“How is this related to that?”), supposition (“How might things have been otherwise?”), and relevance (“Why is this important?”).

Kohn writes: It’s only the ability to raise and answer those questions that matters, though, but also the disposition to do so. For that matter, any set of intellectual objectives, any description of what it means to think deeply and critically, should be accompanied by a reference to one’s interest or intrinsic motivation to do such thinking…to be well-educated then, is to have the desire as well as the means to make sure that learning never ends…

HISTORY AND PURPOSE OF IQ

We’ve always wanted to measure intelligence. Ironically, when you look at some the first methods used to evaluate it in the 1800s, they were not, well, very intelligent. Tactics such as subjecting people to various forms of torture to see what their threshold for pain was (the longer you could withstand wincing, the more intelligent you were believed to be), or testing your ability to detect a high pitch sound that others could not hear.

Things have changed…or have they?

No discussion of intelligence or IQ can be complete without mention of Alfred Binet, a French psychologist who was responsible for laying the groundwork for IQ testing in 1904. His original intention was to devise a test that would diagnose learning disabilities of students in France. The test results were then used to prepare special programs to help students overcome their educational difficulties.

It was never intended to be used as an absolute measure of one’s intellectual capabilities.

According to Binet, intelligence could not be described as a single score. He said that the use of the Intelligence Quotient (IQ) as a definite statement of a child’s intellectual capability would be a serious mistake. In addition, Binet feared that IQ measurement would be used to condemn a child to a permanent “condition” of stupidity, thereby negatively affecting his or her education and livelihood.

The original interest was in the assessment of ‘mental age’ — the average level of intelligence for a person of a given age. His creation, the Binet-Simon test (originally called a “scale”), formed the archetype for future tests of intelligence.

H. H. Goddard, director of research at Vineland Training School in New Jersey, translated Binet’s work into English and advocated a more general application of the Simon-Binet test. Unlike Binet, Goddard considered intelligence a solitary, fixed and inborn entity that could be measured. With help of Lewis Terman of Stanford University, his final product, published in 1916 as the Stanford Revision of the Binet-Simon Scale of Intelligence (also known as the Stanford-Binet), became the standard intelligence test in the United States.

It’s important to note that the fallacy about IQ is that it is fixed and can not be changed. The fact is that IQ scores are known to fluctuate – both up and down during the course of one’s lifetime. It does not mean that you become more, or less intelligent, it merely means that you tested better on one day than another.

One more thing to know about IQ tests: They have been used for racist purposes since their importation into the U.S. Many of those who were involved in the importation and refinement of these tests believed that IQ was hereditary and are responsible for feeding the fallacy that it is a “fixed” trait.

Many immigrants were tested in the 1920s and failed these IQ tests miserably. As a result, many of them were denied entry into the U.S., or were forced to undergo sterilization for fear of populating America with “dumb” and “inferior” babies. If you recall, the tests were designed for white, middle class Americans. Who do you think would have the most difficulty passing them?

Lewis Terman developed the original notion of IQ and proposed this scale for classifying IQ scores:

000 – 070: Definite feeble-mindedness

070 – 079: Borderline deficiency

080 – 089: Dullness

090 – 109: Normal or average intelligence

110 – 119: Superior intelligence

115 – 124: Above average (e.g., university students)

125 – 134: Gifted (e.g., post-graduate students)

135 – 144: Highly gifted (e.g., intellectuals)

145 – 154: Genius (e.g., professors)

155 – 164: Genius (e.g., Nobel Prize winners)

165 – 179: High genius

180 – 200: Highest genius

200 – higher ?: Immeasurable genius

*Genius IQ is generally considered to begin around 140 to 145, representing only 25% of the population (1 in 400).

*Einstein was considered to “only” have an IQ of about 160.

DEFINING INTELLIGENCE

Diane F. Halpern, a psychologist and past-president of the American Psychological Association (APA), wrote in her essay contribution to Why Smart People Can Be So Stupid that in general, we recognize people as intelligent if they have some combination of these achievements (1) good grades in school; (2) a high level of education; (3) a responsible, complex job; (4) some other recognition of being intelligent, such as winning prestigious awards or earning a large salary; (5) the ability to read complex text with good comprehension; (6) solve difficult and novel problems.

Throughout my research and in the early phases of this article, I came across many definitions of the word intelligence. Some were long, some were short. Some I couldn’t even understand. The definition that is most prevalent is the one created by the APA which is: the ability to adapt to one’s environment, and learn from one’s mistakes.

How about that? There’s the word environment again. We just can’t seem to escape it. This adds deeper meaning to the saying, “When in Rome, do as the Romans do.” It means recognizing what’s going on in your environment, and having the intelligence adapt to it – and the people who occupy it – in order to survive and succeed within it.

There are also many different forms of intelligence. Most notably those created by Dr. Howard Gardner, professor of education at Harvard University.

Dr. Gardner believes (and I agree) that our schools and culture focus most of their attention on linguistic and logical-mathematical intelligence. We esteem the highly articulate or logical people of our culture. However, Dr. Gardner says that we should also place equal attention on individuals who show gifts in the other intelligences: the artists, architects, musicians, naturalists, designers, dancers, therapists, entrepreneurs, and others who enrich the world in which we live.

He felt that the traditional notion of intelligence, based on IQ testing, was far too limited and created the Theories Of Multiple Intelligences in 1983 to account for a broader range of human potential in children and adults.

These intelligences are:

Linguistic intelligence (“word smart”)

Logical-mathematical intelligence (“number/reasoning smart”)

Spatial intelligence (“picture smart”)

Bodily-Kinesthetic intelligence (“body smart”)

Musical intelligence (“music smart”)

Interpersonal intelligence (“people smart”)

Intrapersonal intelligence (“self smart”)

Naturalist intelligence (“nature smart”)

Not associated with Dr. Gardner, but equally respected are:

FLUID & CRYSTALLIZED INTELLIGENCE

According to About.com, Psychologist Raymond Cattell first proposed the concepts of fluid and crystallized intelligence and further developed the theory with John Horn. The Cattell-Horn theory of fluid and crystallized intelligence suggests that intelligence is composed of a number of different abilities that interact and work together to produce overall individual intelligence.

Cattell defined fluid intelligence as “…the ability to perceive relationships independent of previous specific practice or instruction concerning those relationships.” Fluid intelligence is the ability to think and reason abstractly and solve problems. This ability is considered independent of learning, experience, and education. Examples of the use of fluid intelligence include solving puzzles and coming up with problem solving strategies.

Crystallized intelligence is learning from past experiences and learning. Situations that require crystallized intelligence include reading comprehension and vocabulary exams. This type of intelligence is based upon facts and rooted in experiences. This type of intelligence becomes stronger as we age and accumulate new knowledge and understanding.

Both types of intelligence increase throughout childhood and adolescence. Fluid intelligence peaks in adolescence and begins to decline progressively beginning around age 30 or 40. Crystallized intelligence continues to grow throughout adulthood.

SUCCESSFUL INTELLIGENCE

Then there’s Successful Intelligence, which is authored by intelligence psychologist and Yale professor, Robert J. Sternberg, who believes that the whole concept of relating IQ to life achievement is misguided, because he believes that IQ is a pretty miserable predictor of life achievement.

His Successful Intelligence theory focuses on 3 types of intelligence which are combined to contribute to one’s overall success: Analytical Intelligence; mental steps or components used to solve problems; Creative Intelligence: the use of experience in ways that foster insight (creativity/divergent thinking); and Practical Intelligence: the ability to read and adapt to the contexts of everyday life.

With regard to environment, Mr. Sternberg writes in his book Successful Intelligence: Successfully intelligent people realize that the environment in which they find themselves may or may not be able to make the most of their talents. They actively seek an environment where they can not only do successful work, but make a difference. They create opportunities rather than let opportunities be limited by circumstances in which they happen to find themselves.

As an educator, I subscribe to Mr. Sternberg’s Successful Intelligence approach to teaching. It has proven to be a highly effective tool and mindset for my college students. Using Successful Intelligence as the backbone of my context-driven curriculum really inspires students to see how education makes their life goals more attainable, and motivates them to further develop their expertise. Mr. Sternberg believes that the major factor in achieving expertise is purposeful engagement.

EMOTIONAL INTELLIGENCE

In his best-selling 1995 book, Emotional Intelligence, Daniel Goleman reported that research shows that conventional measures of intelligence – IQ – only account for 20% of a person’s success in life. For example, research on IQ and education shows that high IQ predicts 10 to 25% of grades in college. The percentage will vary depending on how we define success. Nonetheless, Goleman’s assertion begs the question: What accounts for the other 80%?

You guessed it…Emotional Intelligence. What exactly is emotional intelligence? Emotional intelligence (also called EQ or EI) refers to the ability to perceive, control, and evaluate emotions. Many corporations now have mandatory EQ training for their managers in an effort to improve employee

relations and increase productivity.

TACIT KNOWLEDGE aka “STREET SMARTS”

You’ve heard the phrase, “Experience is the greatest teacher…”

In psychology circles knowledge gained from everyday experience is called tacit knowledge. The colloquial term is “street smarts,” which implies that formal, classroom instruction (aka “book smarts”) has nothing to do with it. The individual is not directly instructed as to what he or she should learn, but rather must extract the important lesson from the experience even when learning is not the primary objective.

Tacit knowledge is closely related to common sense, which is sound and prudent judgment based on a simple perception of the situation or facts. As you know, common sense is not all that common.

Tacit knowledge, or the lessons obtained from it, seems to “stick” both faster and better when the lessons have direct relevance to the individual’s goals. Knowledge that is based on one’s own practical experience will likely be more instrumental to achieving one’s goals than will be knowledge that is based on someone else’s experience, or that is overly generic and abstract.

BEING BOTH SMART AND STUPID

Yes, it’s possible to be both smart and stupid. I’m sure someone you know comes to mind at this precise moment. But the goal here is not to ridicule, but to understand how some seemingly highly intelligent, or highly educated individuals can be so smart in one way, and incredibly stupid in others.

The woman who is a respected, well paid, dynamic executive who consistently chooses men who don’t appear to be worthy of her, or the man who appears to be a pillar of the community, with a loving wife and happy kids, ends up being arrested on rape charges.

It happens, but why? I found the answer in Why Smart People Can Be So Stupid. Essentially, intellect is domain specific. In other words, being smart (knowledgeable) in one area of your life, and stupid (ignorant) in another is natural. Turning off one’s brain is quite common especially when it comes to what we desire. A shared characteristic among those who are smart and stupid, is the difficulty in delaying gratification.

Olem Ayduk & Walter Mischel who wrote the chapter summarized: Sometimes stupid behavior in smart people may arise from faulty expectations, erroneous beliefs, or merely a lack of motivation to enact control strategies even when one has them. But sometimes it is an inability to regulate one’s affective states and the behavioral tendencies associated with them that leads to stupid and self-defeating behavior.

The central character in this book who many of these lessons regarding being smart and stupid revolve around is Bill Clinton and his affair with Monica Lewinksky.

WISDOM & CONCLUSION

My great grandmother, Leola Cecil, maybe had an 8th grade education at the most. By no stretch of the imagination was she highly educated, but she had what seemed like infinite wisdom. She was very observant and could “read” people with startling accuracy. Till the very end of her life she shared her “crystallized intelligence” with whomever was receptive to it.

She died at the age of 94. I often use many of her sayings as a public speaker, but most importantly, I use her philosophies to make sure that I’m being guided spiritually and not just intellectually. Many of us who are lucky enough to have a great grandparent can testify that there is something special about their knowledge. They seem to have life figured out, and a knack for helping those of us who are smart, educated and intelligent see things more clearly when we are too busy thinking.

What they have is what we should all aspire to end up with if we are lucky: wisdom.

Wisdom is the ability to look through a person, when others can only look at them. Wisdom slows down the thinking process and makes it more organic; synchronizing it with intuition. Wisdom helps you make better judgments regarding decisions, and makes you less judgmental. Wisdom is understanding without knowing, and accepting without understanding. Wisdom is recognizing what’s important to other people, and knowing that other people are of the utmost importance to you. Wisdom is both a starting point, and a final conclusion.

3 Star Hotels in Barcelona Centre

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Barcelona, as one of Spain’s most important and largest cities, offers the visitor an abundance of cultural things to see and do. Famous sights include the impressive Sagrada Família, the bustling Ramblas, several outstanding Gaudí buildings and a good selection of museums and galleries. Also, a rather unique characteristic of the city is the fact that it also lies on the coast and offers the rarity of sandy beaches and sunbathing; an ideal situation for those looking for culture as well as a bit of sea-side relaxation.

Of course accommodation will play a relatively large part in how much you enjoy your visit. A 3-star hotel will usually provide at least the minimum in the services and amenities expected for a comfortable and relaxing stay. Like many major cities, there is a good choice of 3 star hotels in Barcelona. They can be found all over the city, but for convenience it would probably be best to stay in a hotel in or close to the city centre, so that you can easily discover Barcelona on foot, even though the city’s public transport system is both cheap and efficient.

The centre of Barcelona is quite compact, making it viable to explore on foot. Furthermore, the centre is well connect via the city’s comprehensive metro network. In the centre you will find the Cathedral, Gaudí’s La Pedrera, the main shopping centre, some of the city’s best restaurants and cafes and many of the museums, such as the Barcelona Museum of Contemporary Art, Picasso Museum, the Maritime Museum and much more.

The following Barcelona hotels are well located in the city centre, one near Plaza Catalonia, one close to the Sagrada Família and the other directly on the Ramblas.

3-star Hotel Gran Ducat Barcelona: This hotel is a modern place to stay and run by friendly, professional staff. Located just off Plaza Catalonia, you will be close to where the Ramblas begin and where the city’s main shopping area can be found. There are 64 good-sized guest rooms in total, all en suite, air conditioned and well equipped with today’s mod cons.

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Hands-Only CPR: When and How to Do It

I’m frequently asked if giving breaths has been eliminated from CPR now that the CPR guidelines have been updated. The simple answer is no, the breaths are still instructed in traditional CPR classes. However, there has been a big push, especially by the American Heart Association, to teach a version of CPR without breaths. This approach is often called “hands-only CPR”.

In short, hands-only CPR is fast, deep compressions on a victim’s chest. If someone doesn’t respond to your efforts to wake them, and their breathing is irregular or they aren’t breathing, you push straight down on an adult’s chest at least 2 inches at a rate of at least 100 compressions a minute. This is a skill you need to practice with an instructor on a manikin, so I’m not going to go into further detail on how to perform this skill.

Hands-only CPR has many advantages over traditional CPR: it’s simple to do, it reduces the risk of disease   transmission  while doing CPR, and research shows it’s as effective or more effective when used appropriately.

Hands-only CPR is an acceptable approach when you witness someone suddenly collapse. If this is an adult, it’s probably because of cardiac arrest (a heart attack). The victim still has several minutes of oxygen in their blood because they were breathing moments before they collapsed. The goal of hands-only CPR is to circulate that oxygenated blood throughout their body. By continually compressing their chest, you are literally squeezing blood through their heart so it reaches the brain and organs. Those compressions will buy the victim valuable minutes until emergency medical personnel arrive.

However, hands-only CPR isn’t always the best approach. If the victim has become unconscious and isn’t breathing normally because of an airway emergency, they need CPR with breaths. Asthma, severe allergies, choking, drowning and suffocation are all examples of airway emergencies that can lead to a victim who is unconscious and not breathing normally. Because these victims are lacking oxygen, they need rescue breaths, along with chest compressions.

Children and infants usually have healthy, strong hearts so if they become unconscious, the cause is usually not cardiac related. Most likely they are suffering from an airway emergency. This is why every parent who takes a CPR class should learn to do CPR with breaths. Unless a CPR class says it’s a hand-only class, all American Red Cross and American Heart Association CPR classes will teach you how to give rescue breaths along with compressions.

Athens Concert Hall

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Usually people who visit Athens are more impressed with the antiquities and the famous monuments like the Acropolis and the Parthenon and don’t get me wrong I am impressed too… how couldn’t I be, but there are more things to Athens than people think so, theatres, cinemas, shopping malls and the Concert Hall of Athens which is not too far from the center of town and boats state-of-the-art technology and acoustics.

It was designed by a consortium of foreign and Greek consultants to correspond to the stringent demands of contemporary audiences and performers and can be considered one of the finest in the world.

Apart from the main hall Filon tis Mousikis – Friends of Music- which seats an audience of 2.000 it contains a smaller hall seating 500 people, a music library, recording studios, a restaurant and a foyer in which exhibitions of various kinds are held. It also houses an ultramodern conference centre.

The Megaro schedules concerts of all kinds from classical music of all periods to jazz and folk preformed by world class soloists, groups orchestras, operas and ballet companies throughout the year, except in summer.

It started operating in 1991 and it is an important cultural center of the whole Europe. Its superb acoustics have been acclaimed both by the public and by renowned performers of the music and art world.

The Athens Concert Hall has welcomed top class artists, music ensembles, composers, conductors and performers in an artistic trajectory that has left its mark in the country’s culture scene.

It is very easy to reach the Concert Hall of Athens since there is a metro station named after it which is only a few meters away. It is really easy to find it if you have a Metro Map. Buses and taxis are also available in the area.

As far as accommodation is concerned, there are many Concert Hall Hotels, meaning hotels close to “Megaro Mousikis” to choose from. Athens Hotels are among the best of Greece.

I went there many times for several performances and I even got the chance to see a classical concert dedicated to Antonin Dvorak, a famous musician. The Concert Hall of Athens really impressed me so I thought that I should really share this with you. Don’t miss an excellent opportunity to visit a place like this one!

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Top 10 Motorcycles Songs

1. Meatloaf – Bat out of Hell

Released in 1979, and again in 1993 it was written by Jim Steinman with lead vocals from Meatloaf. Steinman was insistent that the song should contain the sound of a motorbike engine being revved, and complained to producer Todd Rundgren in the final recording session when it was not added. Rather than use a recording of a real motorcycle, Rundgren himself played the section on guitar, leading straight into the solo without a break.

2. The Doors – Riders on the storm

Taken from their 1971 album, LA woman this song reached number 22 spot on the UK singles chart. The song was inspired by Ghost Riders in the Sky: A Cowboy Legend.”

3. The Eagles – Life in the Fast Lane

This is the third single from the Album Hotel California which was written by Joe Walsh, Glenn Frey and Don Henley and reached number 11 in the Billboard Hot 100

4. Steppenwolf – Born to Be Wild

Born to be wild was Initially released in 1968 and was used on the soundtrack for the famous motorcycle movie Easy rider, staring Jack Nicholson and Peter Fonda riding Harley Davidson Hydraglide bikes from 1949, 1950 and 1952

5. Bruce Springsteen – Born to Run

Written in Long Branch, New Jersey in 1974 the song is a love letter to a girl called Wendy. Springsteen himself is a celebrated bike fan. He recently auctioned off his Harley Davidson at the NY Comedy Festival Event ‘Stand Up for Heroes: A Benefit for the Bob Woodruff Family Fund‘ for US$ 85,000.

6. Rush – Ghost Rider

This song is based on the motorcycle story Ghost Rider: Travels on the Healing Road. by Rush’s drummer and lyricist Neil Peart. Peart embarked on a 14 month 55,000 mile motorcycle journey across America after losing two of his family members.

7. Manic Street Preachers – Motorcycle Emptiness

This single by Welsh Rock band Manic Street preachers was inspired by a book by SE Hilton called Rumble Fish and is about biker gang culture. The lyrics have been interpreted by some as an attach consumer/capitalist lifestyle and how young people are expected to conform.

8. Shangri-Las – Leader of the Pack

This song became number one on the Billboard Hot 100 in November 1964 and is about a girl called Betty who is seeking her parent’s disapproval by dating Jimmy, the leader of a motorcycle gang. Her parents claim he is from the “the wrong side of town” and will be a bad influence on her.

9. Bob Seger – Roll Me Away

Roll Me Away was written in 1982 by Bob Seger on the album The Distance by Bob Seger and the Silver Bullet Band. Tit reached number 27 on the Billboard Hot 100 char

10. Prince- Purple Rain

The song Purple Rain, taken from the album of the same name reached number 2 in the America charts. The album was thought by many as among the best rock albums ever it was ranked by Rolling Stone Magazine as the second best album of the 1980s.

It’s Time to Learn More About Defending Our Own United States

If you are just like many individuals, there is a pretty good possibility that you will be incredibly worried about what exactly is taking place with this United States. It seems like as if absolutely nothing is working correct and every person is out to produce problems for everyone else. Due to this, it is very important to devote very close focus on the several things that happen to be happening on a daily basis. Take time to go to this amazing site to learn more about what’s going on inside the White House as well as the reason why the Pentagon will be being prepared for an unexpected situation. It really is unfortunate to believe that there is terrorists that happen to be looking for top reasons to create problems to Americans. Since this is such a concern, you will need to act and then come together with an agenda.

Invest time to view this content and also learn much more about exactly what He Said concerning the future of the United States. If you are in a position to click here now, this can keep you informed using what should be expected within the next couple of months while preparing with the election. You will discover Syrian rebels that happen to be finding ways to ruin Us citizens. It can be sad to think this is going on simply because they are actually asked in to our own nation in an effort to look for a much better life.

Spiritual homes are increasingly being invaded and then churches are increasingly being demolished since people are not aware the reality that it is time to go ahead and take authority once again. Spend some time to think about, why not find out more information? Many individuals can easily admit to the fact that it can be hard to pursue national politics. It seems as though there’s always a little something going on and it is hard to understand what needs to occur to try to make matters perfect.

Something is for sure, when we possess a dependable Leader inside the White House, they will likely make sure that individuals who are living proper and trying to be honest will be cared for. Spend some time when considering your candidate for the next election. That way, there will be no question as to whether this was the best choice in this land. Get more information right now.

Collecting Ancient Athenian Coins

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Coins issued by certain cities or empires took the leading role in dictating which coins were readily acceptable for trade in the Mediterranean lands. One such   city  was  Athens , which established the “Attic standard” that was to be adopted later by Alexander the Great. Silver was used to pay civil servants, soldiers and mercenaries, and it is believed that the latter is the reason that many Greek silver coins were struck in the first place. The non-Greek lands of the Near East issued large quantities of silver coins, most notably the Parthians, Sassanians and Baktrians. These coins vary in style and fabric, the thickness and purity of the planchet on which the coin was struck, and are relatively under valued compared to the more widely collected issues of Greece proper.

In Greek mythology, Athena was the goddess of warfare and wisdom. Later known as Minerva by the Romans, she was the goddess of not only wisdom and battle, but of certain crafts and the protector of all cities and states. At birth, according to one myth, she sprang from the forehead of Zeus, the king of the gods, fully grown and dressed in armor. Athena is usually shown wearing a helmet and a magic shield called the aegis. The goddess Athena was not only wise in war but also in the arts of peace. She supposedly invented the plow and taught men how to yoke oxen. Athena’s chief symbol was the owl and in Greek mythology, the owl is firmly linked with Athena who is usually picture with her owl perched on her shoulder. Some say that is why the owl, in modern times, associated with wisdom.

Athenian coins were used in exchange throughout the Greek world, hoards have been found as far away from  Athens  as Babylon, Afghanistan and Iran. The quantity of Athenian coins minted in last half of the fifth century BC, reflect the changed and powerful position of  Athens  in the eastern Mediterranean, from a small  city-state  defending itself on land against the onslaught of Darius at Marathon,  Athens  grew to be the  center  of an empire whose power was dependent on its control of the sea. From being a partner in and administrative head of the Delian League,  Athens  became its leader and its many  city-state  members paid  Athens  tribute.

Huge sums must have been necessary for the commercial activities of  Athens  port  city , Piraeus, construction atop the Acropolis and in the city, financing of the Athenian fleet, and perennial warfare. The money was derived not only from annual tribute received from the Delian League  city-states , but from rich silver deposits  Athens  owned and mined at Laurium, close to Cape Sunium as well. The mines provide the silver that paid for construction of the fleet that destroyed the Persians at Salamis in 479 BC.

Common to all issues of the coin are the goddess Athena, in profile on the obverse, and the owl, her constant companion, standing on the reverse, a sprig of olive leaves with a berry above its shoulder. Variations in design exist among denominations of the coin.

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Underground Electric Dog Fence

An underground electric dog fence is a great way to keep your dog safe from the street or roaming into uninvited areas like your neighbor’s yard. They come in a variety of sizes to fit all dogs: underground fences for little dogs of under 12 lbs, average sized dogs and even large dogs as well as extra wire for larger acres of land. The electric fence can be buried underground, stapled above ground or attached along an existing fence. These fences give precise and consistent correction and some are specifically made for the stubborn dog with strong retriever tendencies or low sensitivity and in need of beeps and stronger vibration for them to get the message.

These underground wired fences work on slopes or in hilly areas, treed lots, in water and acres of land. Their precision and consistent correction capabilities allow for good reliability near busy streets. The variety of collars that are interchangeable make them great for small dogs, like a Chihuahua or a large dog like a Great Dane.

A small indentation or groove made in the pavement is big enough for the wire to be brought beyond the driveway to the extended yard making the dog fence very practical, just backfill the driveway with outdoor sealant. If you don’t want to buy wire get the staples and run the wire above ground. Zip ties can help you secure the wire along an existing fence.

Correction depends upon the dog receiving the   transmission . Therefore, you need to make sure that the receiver collar is the right size for your dog. It should not be smaller than the space of your two fingers between the collar and his neck (we don’t want to choke poor “Pooch”!), but the prongs need to touch the skin of your dog in order for the shock to be felt. Remember, it’s a harmless shock that is meant to catch your dog’s attention and change his current behavior. Long or medium haired dogs may need a scissor cut around the neck area so the prongs will contact the skin. If necessary, there are long pronged collars available for the long haired dog as well.

We love our dogs but, let’s face it, nothing is certain with them for dogs are naturally impulsive. Therefore, even with the underground electric dog fence training is imperative if you want a great chance of solid obedience. We highly recommend training the dog before actually using any system. Flags are available for training the dog to learn the boundary. Take 2-3 weeks, depending on your dog, to walk around the boundary with the flags so “Pooch” can see where the boundary is. Then place the collar on him and walk around with him guiding him to retreat when the signal on the collar transmits a warning. Before you know it, your dog will readily stay within the boundary of the underground electric dog fence without your presence because he won’t know that he can run through it!

The Real Key to Wealth is Making Your Hard Earned Money Work for You

A lot of people will have a good work ethic and so are more than happy to consistently put in an honest day’s hard work for just a good day’s pay. Whilst being able to work hard is definitely both critical as well as admirable, most individuals’ capacity for toil has limits. It is because of this that you’ll often hear people declare, exactly where making money is involved, “Operate smarter, not harder.” You may also hear these folks say things such as, “Make your money work for you.” How, specifically does a person go about undertaking this? An individual may read in detail about it here, or obtain the highlights under. Preferably, your efforts may produce a certain amount of additional cash which you can use with regard to ventures.

There are a selection of countless ways by which a person can expend their money. Each and every diverse purchase includes a particular level of risk. Generally speaking, the chance of a reward is definitely greater in the event the hazard is significantly higher. Less dangerous purchases seldom generate as fantastic a return. Thus, when someone puts his / her cash in to passbook savings at his traditional bank, he’ll not make a large level of reward, yet he does not have to worry about losing his cash, either. The individual that tends to be normally on-line taking a look at stock price info as well as which invests within completely new technologies or maybe up and coming companies might make an undesirable choice from time to time, but if their investments pay off, he will probably often generate more than the person that plays it as safe as possible.

Many guides about investing were published, plus much of that info is on the net, free of charge. You can find great details from this author available here, for instance. Folks invest in a wide range of things. Many like selecting their own unique shares. Other folks choose to subscribe to index mutual funds, or eschew stock market trading completely, and instead, put their income into a pal’s company, into real estate, or maybe inside their own inventions, instead. The true secret to being successful with someone’s ventures is to possess a keen feeling of exactly where the globe is definitely proceeding as far as business and technological innovation are involved. Getting in on something totally new early is key. All things considered, who won’t love to make use of their modern hindsight and turn back over time to be one of the primary individuals to sink money into computers?

Techniques For Moving Coming From A Lease Holder To A Home Owner

When searching for a residence, it really is well suited for numerous people to choose a local rental instead of commit a huge sum of cash in buying a house. Letting a residence in the great neighbourhood where young kids have plenty of activities is a good idea for the majority of youthful families who are not yet able to invest in a home. It truly is crucial that you complete a significant amount of analysis before selecting a rental property in addition to check these guys out if you need some help. Leasing is not only cheaper than purchasing, it is additionally less complicated. Occupants can get their house to constantly maintain wonderful shape since the proprietor accounts for maintenance. In case the boiler or maybe ac unit breaks down, the roof contains a drip or a windows will get damaged by way of a kid enjoying golf outside the house, renters can expect the owner of your housing rental to repair it immediately. Obviously, this might occur with a expense for some problems nevertheless the owner would want to keep their house in good shape so renters will not have to worry about residing without warmth or warm water or possibly a shattered home window for too long. Most of the time, renting a house will not be the optimal situation. A lot of people desire to own their own personal home and are satisfied with renting because they really don’t have sufficient funds preserved to make a purchase. Individuals in this situation need to view publisher site for ideas that can help them save cash on housing bills whilst they plan for house ownership. When speaking to an estate agency with regards to a rental, they might additionally inquire about the expenses of a number of offered houses and the the latest movements in home price ranges. Despite the fact that pricing is continually altering, this info can help a family make to buy their own personal home in the future. Shifting from the lease holder into a property owner might be scary. Getting a home costs far more compared to the monthly house loan as well as it essential to acquire in a community that is pleasant for the entire family members. People who wish to buy a residence quickly may well elect to rent a property in the region prior to making a proposal to ensure these are satisfied there.

Convert Negative Social Media Comments into Clients for Your Business

There are very few issues that an enterprise values more than a favorable evaluation from a dedicated and also satisfied consumer. Not only do you have a few fantastic warm fuzzies, but the phrase distributes about the wonderful product/service/etc. your enterprise has to offer. As many people purchase online nowadays, even if these people decide to make their particular purchase close at hand, such individuals even now tend to search online and study critiques. Most people often pride themselves in being able to decide the one that “feels” as they generally do, or maybe who has exactly the same priorities, and their own investment selection is frequently greatly weighted with what they read in such critiques. Positive reviews frequently are a true boon to a business.

Sadly, however, unfavorable reviews also impact an enterprise, but not to its benefit. Even so, it must be remembered how the most forward-thinking people in society generally all believe that something negative always has a silver lining, and can be turned into someone’s benefit only if the time and effort is going to be made to see what its undetectable possible potential might be. Therefore, do not fear negative evaluations. It is possible to take just what a negative staff member, customer as well as company rival across town intended to injure you right into an element that makes people more new clients than before. The actual secret is to have a positive attitude and nothing to cover up, and then to disarm your accusers in your willingness to repair the situation such people view.

Before you accomplish that, nevertheless, you need to be conscious of the fact that the review was published. You’ll find way too many varieties of social networking right now to personally keep an eye on all of them – if you ever tried, you’d very likely do nothing at all else!  Using Chatmeter, it is possible to enter search phrases, like your business name, your name, your product titles and stuff like that and you will then be sent a text or email when such keywords seem to show up upon social media. Thanks to Chatmeter, you now can spend your entire day undertaking other things, and only care for a person’s brand’s recognition when you are purposefully developing it, or maybe whenever it becomes necessary on account of social media commentary.

Athens Holiday – The Greek Capital

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This metropolitan capital is also the largest and one of the oldest cities in Greece.  Athens  is rich with ancient history, myths and a contemporary touch of bars, café and restaurants.  Athens  is also the  city  of Olympics, architecture and holiday in  Athens  is nevertheless a complete adventure in itself, with  Athens  offering breathtaking archaeological rich places, beaches and crowded shopping areas.

Following are some of the tourist spots or attractions one must visit when holidaying in  Athens :

Acropolis

Acropolis is one of the major tourist spots as it stands high up on the hills, giving a spectacular view of the Greek capital. The structure is loaded with archaeological values and its origin goes back to 510 BC. The attraction is also worth paying a visit when holidaying in  Athens , due to the amazing temples surrounding it. Every year huge crowd of tourists and visitors come to acropolis when on a holiday in  Athens . Never miss acropolis when in  Athens .

Cape Sounion and the Temple of Poseidon

This tourist spot is a great way to enjoy holiday in  Athens  by viewing sunset, also you get to experience archaeological rich monuments surrounded with striking sea view. The place is a quite a hit among foreign tourist and local visitors.

National Archaeological Museum

This popular tourist spot was structured in year 1889 and is home to some of the most amazing ancient artifacts and proof of really old civilizations. The museum is loved by many who plan a holiday in  Athens  just for its history and archeological richness. The museum has mask of Agamemnon that goes 3,600 years back. Greek sculptures, Cycladic idols, pottery and ancient jewelry, coins as well as a 2000 years old finding of a computer.

The Plaka

Plaka is loved by tourist and visitors and is a major way to wind down when holidaying in  Athens  and experiencing the thick and thin of  Athens’s  archeology. This 19th century narrow streets going down the acropolis is filled with shops, cafes, boutiques and local building. This tourist spot is round the clock surrounded with tourist and local visitors. You can always found good souvenir to take back to your country from souvenir shops on Plaka.

Piraeus

This attraction is found at the suburbs of  Athens  and has tourist and local visitors of  Athens  all dinning at best and sophisticated dine outs, taverns and sea food restaurants. Piraeus is not exactly a part of  Athens , but can be reached by ferries and is worth paying a visit, when relishing an exotic holiday in  Athens .

Kessariani

Maintained and run by a group of monks, the monastery is a regularly visited by tourist holidaying in  Athens , due to its historic and amazing built and background. The building built in 11 century got its mosaics in 16th or 17th century. This orthodox monastery is surrounded with pleasing scenery, flourishing gardens and enjoyable views.

Time to visit or holiday in  Athens 

The best time to holiday in  Athens  would be anytime other than months of summers, which are hot and humid enough to make the holiday a disappointment. Thus, it is better to visit  Athens , for that fun and enjoyment, in the months of March and October. Spring and autumn is always good time to tour  Athens .

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Five Things You Will Want to Know About the Honda CR 500

If there ever was a member of the Honda CR series that was popular, then it has to be the Honda CR 500. This, by the way, is the same machine that Robbie Knievel used for his entire jumping career, which featured an astonishing twenty world records. It is still remains a popular machine, the fact that its production was stopped by Honda, as did the production of the entire Honda-CR series. As such, many people continue to search for information regarding the Honda CR 500. And if you happen to be one of these, then you will find our discussion on ‘five things you will want to know about the Honda-CR 500’ interesting.

1) One of these things you could want to know about the Honda CR 500 is its engine power. This is something that motorcycling enthusiasts are very keen about, a factor on whose strength alone many have been known to make significant purchasing decisions. As it turns out, the engine power of the Honda-CR 500 (at 491 cc) maxes at 69 Horse Power – at 8,500 revolutions per minute, quite remarkable power by any stands.

2) The second thing you may want to know about the Honda CR 500 is about its transmission. As it turns out, the Honda CR 500 comes with a complete five-speed gear box. This is a remarkable feature, for a machine that was first developed in the 80s – and considering that there are ‘modern’ motorcycles that are yet to attain the complete five gear speed transmission up to this date.

3) The third thing you may want to know about the Honda-CR 500 is about its suspension, especially if you are a person who cares about the ‘comfort of your rides,’ as do many people. As it turns out, the Honda CR 500 comes with a complete and refined suspension, a remarkable thing, seeing that many motorcycles come with what can only be described as ‘crude’ suspension: whose effects the users are left to contend with.

4) The fourth thing you may want to know about the Honda-CR 500 is about the colors it comes in, especially if you are a person who cares about aesthetics – as every proper person is supposed to. Now although the Honda CR 500 came only in flash red when it was first released in 1984, it has evolved over time (color-wise), so that today, we have it coming in many literary ‘hot’ colors: flash red, the so-called nuclear red and the so-called fighting red. So, Honda-CR 500 mainly comes in red, but different hues of it for variety.

5) The fifth thing you may want to know about the Honda CR 500 is regarding what led to the discontinuation of its production by Honda. As it turns out, the reasons were mainly environmental, and not mechanical (or to do with popularity), as one would imagine. Yet in spite of the discontinuation of its production, Honda-CR 500 remains a much-loved machine, with strong sales on the specimens of it that are still on the market, and the pieces of it that emerge on the ‘second hand motorcycles’ market every now and then.

Secret Italy – City Breaks On the Road Less Travelled

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You probably already know the top five cities of Italy: Rome, Milan, Florence, Venice and Naples. But if you’re looking for a different side of Italy, city breaks in the less visited areas may be just the ticket.

Ranging in size, these places offer a great glimpse into authentic Italian life, perhaps unlike the hurried pace and bustling crowds you’ll find in Rome, Florence or Milan. Here are five other places to consider visiting in Italy – city breaks on the road less travelled!

Turin

Also known as Torino, the home of the Fiat automobile plant and the Shroud of Turin is an interesting yet often overlooked area in Italy. City breaks in the Piedmont region can be wonderfully relaxing here, nestled between the foothills of the Alps and the Po River. It’s an excellent base to stay in between exploring the nearby hills and vineyards.

With its Baroque architecture (extending to its elegant bars and cafes), arcaded shopping promenades and smaller museums of Italy, Turin offers a relaxed ambience. You can wander around Piazza Castello and Palazzo Reale, which feature lovely fountains and are ringed by grand buildings. Then, take a walk through Il Quadrilatero – a maze of meandering back streets with wonderful markets and charming churches. You’ll also want to visit the Borgo Mediovale, a recreation of a medieval village by the river, complete with a castle.

Perugia

Umbria is one of the country’s more overlooked areas, often overshadowed by its more popular neighbour, Tuscany. But if you’re looking for an interesting place to relax without forgoing sophistication in Italy, city breaks in Perugia – Umbria’s largest city, located almost at the very centre of the country – are ideal.

A lively walled medieval hill city with historic buildings, busy squares, and modern shops, Perugia is home to a university as well as an Italian language centre catering to foreigners. From here you can also explore other Umbrian attractions such as Assisi, Spello, and Gubbio.

Brescia

For many visitors, the Lombardy region usually means Milan, but if you’re looking for something a little quieter, you may want to go east to the small city of Brescia – often overlooked in the excitement over the country’s fashion centre. Located between Lakes Garda and Iseo, Brescia is the gateway to the Valcamonica – a UNESCO site with the largest collection of prehistoric rock art in Europe. This is also the place where the annual Mille Miglia car race begins and ends. Places to see in Brescia include the castle, Roman ruins, Renaissance squares, and a medieval city centre named Piazza della Vittoria – where the famous car race starts.

Padua

Also overshadowed by a more popular neighbour, Padua is a wonderful place to spend a more laidback holiday. This small walled city located between Verona and Venice boasts Europe’s first Botanical Gardens – the Orto Botanico – and is also the home of many frescoes by Giotto.

Lecce

Because of its wealth of Baroque monuments, Lecce is often called the Florence of the south. For those visiting southern Puglia, making Lecce your base offers the advantage of a mild climate, accommodations that is inexpensive compared to other cities, and a -charmingly compact city centre.

There’s definitely more to see than the top four big cities in Italy; the less-visited areas will definitely give you a more complete view of the country in all its beauty.

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The Basic Principles of Preventing Infection

Basic Infection Control refers to measures designed to prevent the spread of infections or potentially infectious microorganisms to health personnel, clients and visitor. Various infection control measures are used to decrease the risk of transmission of microorganisms in hospitals.

Principles of Basic Infection Control

1. Microorganism move through space on air currents. Avoid shaking or tossing linens as these motions create currents on which these microorganisms can be transported. All isolation room doors should be closed to stop air currents.

2. Microorganisms are transferred from one surface to another whenever objects touch. When a clean item touches a less clean item, it becomes “dirty” because microorganisms are transferred to it. Keep your hands away from your hair and face. Keep linens away from your uniform. Always keep clean items separated from dirty ones, any object dropped to the floor is considered dirty.

3. Microorganisms are released into the air on droplet nuclei, whenever a person breathes or speaks. Coughing and sneezing dramatically increases the number of microorganisms released from the mouth and nose. Cover mouth when coughing and sneezing. Wash hands thoroughly.

4. Microorganisms are transferred by gravity when one item is held above another. Avoid passing dirty items over clean items or areas because it is possible for the microorganisms to drop off into a clean item or area. When storing items in a bedside stand, place a clean items on upper shelves and potentially dirty items such as bedpans on lower shelves.

5. Microorganisms move slowly on dry surfaces but very quickly through moisture. Use dry paper towel when you turn off faucets. Dry both basin before placing on bed side for storage.

6. Proper hand washing removes many of the microorganisms that would be transferred by the hands from one item to another.

Universal Precaution

1. Wear clean examination gloves for listed body fluids: Blood, semen, vaginal secretions, CSF, synovial fluid, pleural fluid, pericardial fluid, amniotic fluid, etc.

2. Wash hands:

  • a. Immediately after contact with body substances containing blood
  • b. Between patient care
  • c. Immediately after gloves are removed.

3. Wear masks and protective eyewear when appropriate.

4. Wear moisture-proof apron when appropriate.

5. Wear utility (household rubber) gloves appropriately

6. Dispose of equipment and secretions properly

7. Wear sterile gloves appropriately

8. Handle specimens of blood and listed body fluids appropriately

9. Handle soiled linens correctly:

a. Hold linen away from uniform

b. Do not shake or toss linen

c. Transport linen contaminated with blood or bloody fluids in leakage resistant proof bags.

What Causes Yeast Infections in Women – 3 Things That Will Shock You

What causes yeast infections in women? The answer may surprise you. This is one of the most common health issues that women experience. Tens of thousands of women are treated by doctors for this uncomfortable and embarrassing condition every day.

Yeast infections know no bounds of race, age, or geographic location. Any woman is susceptible to them. While there are a lucky few who are never bothered by this problem, most women will experience at least one yeast infection on their lives.

Once you learn what causes them, you’ll have a better idea of how they can be prevented.

1. Yeast infections can happen anywhere on your body. While the vagina is the most common location for these infections in women, problems can also happen in the blood, on the skin, and in the mouth. Dark, wet, and damp conditions cause yeast infections, so places on or in your body that have these conditions are breeding grounds for yeast.

In the blood, these infections manifest themselves as such things as PMS, depression, arthritis, and ADHD. On the skin, yeast causes rashes, and in the mouth, it causes thrush. Babies who get diaper rash are suffering from yeast infections (after all, a wet diaper is the perfect place for yeast spores to grow).

Eliminate these conditions, and you’ll be putting up a strong barrier against yeast.

2. Sugar feeds yeast. People who eat sugary diets are prime candidates for yeast infections. If you don’t consume a lot of sugar, it’s unlikely yeast will grow into much of a problem, even if you’re exposed to it. However, the more cookies and cake you eat, the worse your infection will become.

3. Yeast can be sexually transmitted. Men can be contaminated with yeast, but not have any symptoms. They can then pass it to their sexual partners without knowing it. The women get yeast, and pass it back to their partners in turn, creating a never-ending cycle of   transmission .

Attacking yeast at its roots is the best way to get rid of it for good. Even if you keep your body clean and dry, avoid sugar, and have protected sex, if you’ve already had an infection in your life, the yeast could still be there, lying dormant.

You’ve got to kill it all to ensure it won’t come back. There is a way to do this, and it’s safe and natural. Learning what causes yeast infections in women is easy, and getting rid of them for good can be easy as well, if you know what to do.

Advantages and Disadvantages of Living in a City Center

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Some people say that city center is the best place to live. One has an easy access to all the amenities of life. Additionally, city centers are the places where all the business, educational, official and trade activity centers are located. The commuting time is nothing as compared to those living in the suburbs. There are, however, some big disadvantages of living in the city center as well. Following lines would give you a great comparison in this regard.

Advantages

The biggest advantage of living in a city-center is the easy access to all the business, trade and educational offices. City-centers are planned in such a manner that they become the hub of everything related to commercial, official or educational fields. Most universities and colleges are located in the city-center and students from suburbs have to commute long distances to reach their alma maters. Similarly, professionals have to take public or private transport to reach the city-center. Monthly fares of public transports, despite all the discounts, are quite expensive these days.

On the contrary, people living in the city-center do not have to incur any transportation costs. In most cases, all the famous buildings, business centers and universities are located within a walking distance. There are no expenditures in transportation costs and time wasted in travelling. Additionally, one can save money on dining costs as one can simply head back to home to eat during lunch breaks. People from the suburbs are unfortunate in this regard. They have to eat lunch from the push carts or restaurants and this entails some big spending, even if the rates are affordable. Monthly expenditures on food bills are enough to cause a big dent in your monthly budget.

Disadvantages

There are also many disadvantages of living in a city-center. First of all, there is no sense of privacy as the city centre remains active till late night. Secondly, the house rents are sky high in the city-center. Everyone wants to live there and homeowners take full advantage of this phenomenon. Another disadvantage of living in a city-center is the lack of suburban activities and neighbourhood attitude that is prevalent in the suburbs. There are hardly any parks and open spaces where one can breathe fresh air. In most cases, the environment is polluted because of thousands of cars that throng the roads and alleys. Similarly, the proportion of trees and shrubs is far less than a typical suburb that is usually green and pollution free.

The sense of community is also lacking in the city-center as people remain busy in their own affairs and do not pay any attention to their neighbours and friends. Another down point of living in the city center is the higher prices of commodities. As compared to suburbs, that are usually located close to farmer markets; city centers are cramped places with high property rents. Shops often pass on that high price to their customers.

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What Is The Difference Between Investment Management and Stockbrokers?

The investment services industry can be daunting and ambiguous for individuals who seek a return on their capital. After working hard earning your wealth, it is important to understand the different services offered by professionals and what solutions fit you personally. One of the main questions we get asked here is:

“What is the difference between investment management and stockbrokers?”

Firstly, let’s discuss what stockbrokers are – we all have a much better, clearer, idea of what they do and who they represent. Stockbrokers are regulated firms that offer financial advice to their clients. A stockbroker buys and sells equities and other securities like bonds, CFDs, Futures and Options on behalf of their clients in return for a fee or commission. A brokerage / stockbroker will receive a fee on each transaction, whether the idea is profitable or not.

A brokerage can specialise in any investment niche they wish for example:

  • FTSE All-Share stocks,
  • AIM stocks,
  • European Stocks,
  • Asian Stocks,
  • US Stocks
  • Combinations of the above
  • Straight equities,
  • Straight derivative trading (CFDs, Futures & Options)

The main reason why investors choose stockbrokers over any other professional investment service is simply down to control. Due to the nature of a brokerage firm, they can only execute a trade after you instruct them to do so. This means it is impossible for a brokerage to keep buying and selling securities without you knowing – known as churning for commission. This doesn’t however prevent stockbrokers providing you with several new ideas a week and switching your positions to a new idea.

However, there are natural flaws with the brokerage industry is that because trading ideas can only be executed after being instructed to list a few flaws;-

  • you may miss out of good opportunities due to moves in the market,
  • you may get in a couple of days later because you were busy and not make any money after fees,
  • you may receive a call to close a position but unable to without your say so.

The above are examples that can happen when investing with brokerage firms, but this is due to the reliance of gaining authorisation from their clients. So if you are ultra busy or travel a lot then you could potentially miss out on opportunities to buy or sell.

What are investment managers?

Now we understand what stockbrokers / brokerage firms are about, let’s discuss what investment management services can do for individuals.

Investment management firms run differently to brokerages. The core aspect to these services is that the professional investment managers use their discretion to make investment decisions. As a client of an investment management firm you will go through a rigorous client on boarding process (just like a brokerage firm) to understand your investment goals, understanding of the services being used, risk profile, angering to the investment mandate and allowing the service to manage your equity portfolio. The sign up with the service may seem long winded but it’s in your best interest to ensure the service is suitable and appropriate for you. In reality, it’s not a long winded process at all. Once you agree to the services offered then you will only be updated on the on-going account data and portfolio reporting in a timely manner. This means no phone calls to disrupt your day-to-day activities and allows the professionals to focus on your portfolio.

Investment management firms usually have specific portfolios with a track record, into which you can invest your capital according to you appetite for risk. These portfolios will focus on specific securities, economies, risk and type of investing (income, capital growth or balanced). All of this would be discussed prior or during the application process.

Another method used by investment management firms is different strategies implemented by their portfolio managers. These strategies are systematic and go through thorough analysis before investment decisions are made.

The fees usually associated with investment management firms can vary from each firm. There are three common types of fees and are usually combined, fees can be;-

  • Assets Under Management Fee – This is where you pay a percentage of the portfolio per year to the firm, usually an annual fee. E.g) 1% AUM Fee on £1,000,000 is £10,000 per year.
  • Transaction Fee – This is a fee associated with each transaction made through your portfolio – similar to the brokerage firm’s commission.
  • Percentage of Profits Fee – This is where any closed profits generated over a set time will be charged to the firm. E.g) 10% PoP Fee – the firm generates you closed profit of £10,000 in one quarter – you will be charged £1,000.

The main benefits provided from investment management firms is that after the service understands your needs and tailors the service around you, it is their job to build a portfolio around you. It is also the job of the investment management firm to adhere to the investment mandate you agreed on, we’ll take about this later, so you understand of the time frame given what you should expect. Another bonus why high-net worth individuals choose investment management services is because they are not hassled by phone calls every other day with a new investment idea.

The difference…

The main difference between investment management and stockbroking firms is:

  • Investment Managers offers discretionary services; no regular phone calls about stock ideas.
  • Stockbrokers give you more control as you can personally filter out ideas you think won’t work.
  • Investment Managers offer an investment mandate; this is where the investment management service provides a document of what they are offering you in return of managing your portfolio. You will understand what exactly they are targeting over the year, based on what risk, and should they achieve it – then they have fulfilled their service. E.g) the mandate could state that the strategies used and based on 8% volatility (risk), they seek to achieve 14% capital return.
  • Stockbrokers do not offer an future agreements but look to deliver growth during the time you are with them. They are not bound by their performances like investment managers.
  • Investment management firms have a track record for all of the strategies and services used, stockbrokers do not.

Which to choose?

Both services provide professional approaches to investing in the stock markets. Stockbrokers are chosen over investment managers by people who like to be in control and receive financial advice. Stockbrokers generally do not have a systematic approach to the markets but use selective top-down approaches to select stocks.

Investment managers are chosen by investors who want an agreement on their performances over the year and understand the risk up-front. Usually more sophisticated investors that wish to take advantage of the track-record and gain an understanding of the systematic approach used by the investment management firm.

Feel free to learn more.

DISCLAIMER: The above is not considered financial advice or any endorsement to use any particular service. If you wish to use any of the services mentioned, please seek independent advice.

RISK WARNING: Spread betting, CFD, futures and options trading carries a high level of risk to your capital and can result in losses that exceed your initial deposit. They may not be suitable for everyone, so please ensure that you fully understand the risks involved. Past performance of a managed service is not a guide to future performance.