Consolemaps

In the olden days a career in finance did not offer anything more than a back-office recording keeping job. A finance person was understood to be a record-keeping person in an organization.

However, with the evolution of business landscape, the role of finance has evolved and become more challenging. In today’s organization a finance person occupies a much broader role involving decision-making, planning, controlling the financial operation of a business.

Within finance, one can find a variety of job roles that are not limited to just the accounting field. You can explore financial career options in various industries such as financial service, financial planning, fund management, regulatory compliance, trading, financial management, and so on.

These different jobs require you to have completely different skill sets, and you can choose a financial career that suits your personality and skill level.

If you are analytically oriented, you can choose a career in risk management, where your job is to measure and manage the risk faced by a bank or a financial institution. Alternatively you can also join the insurance industry as an actuary where you ass the risk of loss, and design and price new insurance products. These jobs require number crunching skills. You are also expected to be very diligent as a small mistake can turn into big losses.

On the other hand, if you are a very outgoing person and like meeting people, you may be better suited for selling financial instruments. You may want to join a bank or an insurance company, and promote their financial products to prospective customers. In a bank, you are expected to sell their financial products such as deposit accounts, credit cards, personal loans, home loans, etc. For a career in sales, most organizations provide you a thorough training on their products and common techniques for selling. You are expected to be a go-getter with the ability to close deals quickly. In most financial services institutions, you are paid a decent salary and a commission, which is based on your sales targets.

One more lucrative career option is in trading. As a trader you use your employer or client’s funds to trade in financial products such as equity, bonds, currencies and currencies in an attempt to make a profit. Traders study the financial markets and identify opportunities to make profit. This is a high stress job and requires you to have strong analytical skills and a tough attitude. A career in trading also offers good salaries with bonuses and incentives linked to your performance.

While these are a few important career options available in finance, a person interested in this field can choose from a much wider array of job roles. Best of luck with your financial career!

People generally wake up in the morning saying their morning prayer in a rhythmic tone. You teach your child the nursery rhymes in a musical tone. Whether it is the flowing river or the cool breeze or the birds singing, there is music all around. Music is a very essential part of your life. One cannot simply live without music. You can sing on your own, listen to songs or play instruments on your own. Many people have different hobbies among which some people choose to keep music as their hobby. There are latest music players like iPad music players in which you can just plug in your earphones and listen to music. There are a number of instruments which are required for playing music. Playing a musical instrument is also one of the unique hobbies. The only thing you need to play any instrument is patience. You must also practice regularly in order to sharpen your skills.

Developing personality and better skills

• Creativity- When you a play an instrument, it increases your creative factor. There are various types of music. You have got different music for different songs. If you are a song composer, you need to create new music for any kind of new lyrics you write. Then you need to enhance the quality of playing your instrument. Thus it helps in increasing your creativity.

• Personality- Another positive point of music lovers in that it helps in developing a great personality. You gain confidence when you perform in front of a crown in any function.

• Expressing feelings- If you are a songwriter, you can express all your feelings through the lyrics. You can speak your heart out. When you are in a sad mood, you can listen to the sad songs and when you are thinking of romance then you can listen to romantic songs.

• Stress buster- Music is the best medicine if you want to get relief from the tensions of everyday life. When you listen to soft music, it soothes your mind to a great extent and then it removes a lot of stress.

• Pass time- Children can play the instruments and rehearse singing during their pass time. It will make their mood good.

• Profession- You can consider music more than just your hobby. You can consider it as a profession if you excel in this. You can become a playback singer or you can join bands. You have a bright future in the music industry.

 

What is a skater? A skater is anyone that loves the feeling of freedom they get when skating. Skaters come in all ages with all types of personalities. It can be the boy next door or the punk rocker down the street. It can be the nerd that never leaves his computer except for skating or the group of Goth kids that live in town.

Skaters love the feeling they get when they do an incredible jump perfect every time. They love the thrill of pushing themselves beyond their limits and climbing new heights and reaching new goals.

What types of skaters are there?

There are several different types of skaters and each type requires different equipment. The most common type of skater is the roller skater. This group includes kids and adults of all ages. Usually this type of skating is done at a skating rink and they either wear roller skates or inline skates. You can also purchase outdoor skates that you can wear anywhere.

Another popular type of skater is the ice skater. Ice skating is done by many just for fun in ice rinks located all over the world. However, it is also many professional ice skaters that perform in competitions for metals. Some of these have become quite famous. The performance that a figure skater provides is amazing and takes years of practice and patients. These skaters are to be greatly admired.

Skateboarders are another type of skater that has grown in popularity over the years. Skateboarders make up a unique group of people that love to have fun and spend time together. This type of skating requires skill and a desire for excitement.

Are there stereotypes about skaters?

The answer is yes. Unfortunately, there are many people that have the wrong idea about the skater lifestyle. This is especially true when it comes to skateboarders. Due to the fact that many of them roam the city streets and other areas searching for a place to ride others look at them in a negative way. They describe these skaters as dropouts and trouble makers. Many believe they are throwing away their life and that they have no respect for the law. Others look at them as being dirty and don’t want them in their neighborhood.

However, this is not normally the case. Most skateboarders are good, educated honest people that just enjoy having a lot of fun and socializing with others that enjoy the same things. They love the thrill of skating and take pride in what they do. They spend many hours practicing and learning new tricks and many skateboarders become extremely famous for their abilities as well.

Together with the advancement of science and technology, technological innovations grew along with it, resulting to the emergence of new equipment and gadgets. No matter how big or small your company is, technology brings both intangible and tangible benefits to become cost efficient and to meet the growing demands and needs of customers. Technological innovations affect corporate efficiency, culture and relationship among employees, clients, suppliers and customers. The type and quality of technology used affect the security of confidential business information.

Due to the burden brought by administrative tasks, like inventory, bookkeeping and records keeping, both big and small companies rely on computers to do their administrative works. The birth of Internet and online social networking sites tremendously decreased the costs of business operations. It also makes it easier for companies to use the Six Sigma management methodologies. Some firms shifted to outsourcing instead of hiring their own personnel due to the low costs associated with it. Because of the huge impact of technological innovations to companies, it is impossible for them to live with it.

Commonly used high technology equipment:

  • Computers
  • Photocopier
  • Telephone
  • Computer printer
  • Internet
  • Paper shredder
  • Multimedia projector
  • Touch screen monitors
  • Computer mouse
  • Laptop computers

Advantages of Technology to Business:

  • Customer Relations. Technology affects the way companies communicate and establish relations with their clients. In a fast moving and business environment, it is vital for them to interact with clients regularly and quickly to gain their trust and to obtain customer loyalty. With the use of Internet and online social networks, firms interact with consumers and answer all their queries about the product. Establishing effective communication with customers not only creates rapport with them, but it also creates strong public image. It allows business enterprises to reduce and to cut carbon dioxide emissions.
  • Business Operations. With the use of technological innovations, business owners and entrepreneur understand their cash flow better, how to manage their storage costs well and enables you to save time and money.
  • Corporate Culture. Technology lets employees communicate and interact with other employees in other countries. It establishes clique and prevents social tensions from arising.
  • Security. Modern security equipment enables companies to protect their financial data, confidential business information and decisions.
  • Research Opportunities. It provides a venue to conduct studies to keep themselves ahead of competitors. It allows companies to virtually travel into unknown markets.
  • Corporate Reports. With technology, business enterprises communicate effectively with their branch offices to deliver quality financial and operational reports.
  • Industrial Productivity. Through the use of business software programs or software packages, it automated traditional manufacturing process, reduces labor costs and enhances manufacturing productivity. It enables companies to increase efficiency and production output.
  • Business mobility. Technological innovations improved companies’ sales, services, shorted lead time on receiving and delivering goods and services. Enables them to penetrate multiple markets at least costs.
  • Research capacity. It enables them to conduct studies on various companies to gain knowledge on the new trends in the market and way on avoiding them.

 

Being a Health and Fitness Professional, it is my job to understand terms and definitions which are commonplace to this industry, as well to keep abreast of evolving trends. Through my experience, I have found that a number of terms deserve a little more clarification than that which they are granted.

Aside from clarifying the definition of Health Related Fitness, this article intends to shed some light on a few of the associated terms, and to show their respective distinctions.

Is it simply all in a name?

The fitness world seems to use the concept Health Related Fitness like a generic fitness principle – interchangeable with others like “Physical Fitness”, “Health and Fitness” or simply “Fitness.”

While all of these terms can be included under the broad term Health and Physical Fitness, they individually refer to different aspects – both generic and specific. Unfortunately, references to these and other fitness-related terms are often vague, while consistency in their intended use is meager at best; there is a kind of “generally accepted” use for them, but individuals often rely on own interpretation, and this can lead to confusion.

With that said, does Health Related Fitness simply infer fitness by means of good health? Not quite. That is why we need to understand a little more behind these words before digesting the definition.

How did the term Health Related Physical Fitness come about?

That is a good question. One could probably ask what is this concept all about – can we not simply use the terms “Fitness” or “Physical Fitness” instead?” Why Health “Related”?

The main reason stems from the fact that most health and fitness terms are used inconsistently and often refer to different concepts or notions. Subsequent to the 1996 report from the US Surgeon General (Physical Activity and Health; a report of the Surgeon General), there was a move to try and address the alarming rise in obesity levels among the general American public. Studies and initiatives required standardization among clinicians, health practitioners and fitness trainers to grapple with the task at hand. Enter “Health Related Physical Fitness”, a working term to address the general state of health among the public.

The definition of Health Related Fitness

According to the American College of Sports Medicine (ACSM), the main authority in this field, ineffective definitions with unclear and subjective wordings, as well as definitions containing terms which themselves require defining, have contributed to confusing the term “Physical Fitness.”

There exists no reliable guide for Health and Fitness Professionals to measure “Physical Fitness”, because the term has been so loosely and inconsistently defined. It is therefore that one should consider the concept of Health Related Fitness. The definition therefore centers on the 5 Components of Physical Fitness which relate to “good health.” These Components are:

  • Cardiorespiratory Fitness
  • Body Composition
  • Flexibility
  • Muscular Strength
  • Muscular Endurance

On the other hand, Skill Related Fitness Components are:

  • Balance
  • Reaction Time
  • Coordination
  • Agility
  • Speed
  • Power

According to the Centers for Disease Control and Prevention (CDC), the definition of Physical Fitness emphasizes the difference between Health Related Physical Fitness and Athletic Ability Physical Fitness. Its point-of-departure is the “health” of the US nation, which is often referred to as the “public health perspective.” In that respect, the 5 Health Related Fitness Components are more important than those related to Athletic Ability (or Skill Related Components).

Although the concept of Health Related Fitness has an integral association with “good health”, the 5 Components are addressed individually by health professionals to allow for their measurement.

Now that we have a deeper understanding of the term, what purpose does it serve?

Continuing from where the definition left off, the objective of measuring the 5 Components is to advise clients about their own particular Health Related Fitness, and to use data obtained from the tests to design appropriate exercise programs which can then be evaluated.

The 5 Components contribute evenly to make up a holistic Health Related Fitness, which is of direct interest to the health of the ordinary citizen, in that the concept is normative. In other words, it is a standard which allows for consistent application.

It is therefore important for those working in the health and fitness industry not to mistake “overall physical fitness” with “Health Related Physical fitness.”

To conclude, let us consider this distinction between Physical Fitness and Health Related Fitness

One needs to bear in mind that regular physical exercise can improve overall Physical Fitness, as well as Health Related Fitness. However, overall fitness is a generic term and is up to subjective interpretation, while Health Related Fitness can be assessed.

The distinction therefore, between these two terms, exists in that Health Related Physical Fitness can be measured according to a set of established comparative norms.

This is where the “rubber hits the road.” The guidelines set out by the ACSM enable health professionals to work with clients to assess and measure their response to exercise and prescribe appropriate exercise programs. A client’s progress can then be monitored and adjusted where necessary in order to obtain the desired fitness goals.

 

The 21st century has been the age of so many technological breakthroughs and advances, technologies aimed for one purpose and that is to make the lives of people better by helping them become more efficient in their work. One such technological breakthrough is computer technology.

Computer technology has grown in great proportions starting from a computer with a size that of a room to a small well-designed palm top computer. Computers nowadays have become an indispensable part of the lives of people, especially at work, at companies, businesses, schools, offices and even in homes.

It has made the world smaller, but has it made our world better? It would then lead us to ask whether computer technology is good or bad. Now let us try to look at first some of the bad effects. With the advent of computers and with the internet it has become easy to access pornographic sites, children are more exposed to explicit content; some students would lose focus on their studies as they play computer games. The number of obesity cases has increased and it has been attributed to too much computer activity that led to less physical activity among a number of people.

On the other side of the coin, computers have opened a whole new world of possibilities. It is now easier to gain information on world events; you can even find a job in the internet; you can spread advocacies to a vast number of people all over the world; and most importantly it is now easier to be connected with one another even if you are on the other side of the globe.

Computer technology, just like any other material on earth has been created with a common good in mind. Just like a knife, it has been made to cut and slice food to speed up cooking time for people but it can also be used to kill people, and you cannot ban the use of knives in order to stop killing. And so you can’t blame computers for the problems it may have caused for it is the people who use them who caused the problem. It has disadvantages and advantages that must be taken into consideration.

But the problem is not computer technology itself; the problem resides on the people who use it. Computer technology is generally good for it can bring in a lot of good if it is used properly, but can do great harm if used unwisely.

People have choices on how they make use of earth’s resources, and that choice will determine how certain materials will affect people, be it good or bad.

 

In the current age we live in, technology has become an important component. Every day there is some new gadget or software that makes lives easier and improves on the technology and software that already exists. Making lives easier is not, however, the only role technology plays in our lives.

Technology is playing an increasing role in education. As technology advances, it is used to benefit students of all ages in the learning process.

Technology used in the classroom helps students adsorb the material. For example, since some people are visual learners, projection screens linked to computers can allow students to see their notes instead of simply listening to a teacher deliver a lecture.

Software can be used to supplement class curriculum. The programs provide study questions, activities, and even tests and quizzes for a class that can help students continue learning outside the classroom.

Technology has also become part of many curriculums, even outside of computer and technology classes. Students use computers to create presentations and use the Internet to research topics for papers and essays.

Students also learn to use the technology available to them in computer and tech classes. This ensures that after graduation they will be able to use the technology in a work setting, which may put them ahead of someone who didn’t have access to a particular technology or software in their own school setting.

As technology advances, students have better access to educational opportunities like these. When something new and “better” is revealed, the “older” technology becomes more affordable, allowing it to be used in educational settings, even when schools are on a tight budget.

Technology has also advanced to help children even before they’ve started school. Educational video games and systems for young children helps them prepare for school and in some cases get a head start on their education.

There are people who may say children are “spoiled” by technology. Instead of being able to add a long column of numbers in their heads, for example, they turn to a calculator. Regardless of these arguments, technology is an important part of today’s society. By incorporating it into the classroom, students will be better equipped to transition from the classroom to the work place.

Quite a few people have written to me asking how to use Reiki to bring abundance, prosperity and/or

financial success into their lives. This article is a somewhat shortened version of my blog entry on this

matter. Please click on the link below to read the longer version.

I’m going to present a few ideas for using Reiki to achieve abundance, prosperity and/or financial success.

But before I do that, I want to mention that this is one area where Reiki and Feng Shui go together very

nicely. Many books on Feng Shui specifically tell you how to set up your environment to encourage abundance and prosperity.

I do want to acknowledge something before I continue my discussion. To some people, speaking of Reiki and money or Reiki and financial success in the same breath makes them cringe. They view Reiki as pure Love, a spiritual calling, and to introduce the idea of money into the sacred realm of Reiki is abhorrent to them. If that is your viewpoint, I completely understand and respect your position. I have known healers in many fields who have felt the same way.

But I am a bit more of a pragmatist and a realist. I recognize that we need to make a living and we need to support our families. Even more importantly, I realize the negative effects poverty and monetary insecurity can have on us.

When a person feels financially uncertain, even endangered, that person may find it very hard to pay attention to the spiritual aspects of his/her life. If someone has so much financial worry, thoughts of “How will I pay the bills?” and “Will we lose the house?” may occupy so much of that person’s energy and time that they can scarcely think about things like helping others heal.

Does this mean that poor people and people with financial difficulties can’t be spiritual and can’t help others heal? Of course it doesn’t mean that. However, survival issues can become paramount, and for many, many people, these issues interfere with their ability to give any of their energy to spiritual and healing issues. We are all human, with a limited amount of energy and resources available to us at any given time.

But beyond this, I don’t believe there is anything inherently wrong in the desire for abundance, prosperity

and financial security. We live in a world that is run by money; that is the reality we live with, no matter

how much we might wish it were otherwise. Without sufficient money, we are in deep trouble! When we have sufficient money, we can turn our attention more easily to helping others.

Everyone has to define what the term “sufficient money” means to them. For example, I am not fond of the idea of using Reiki to win the lottery, or to win at gambling. Frankly, I don’t like the energy of gambling, because so many people’s lives are ruined by gambling.

Having said that, however, I leave it up to you to decide how much money is “sufficient”. The people who

contact me about using Reiki for prosperity usually want to have enough money to pay their bills on time and provide a good home for their families. Some of them have started Reiki and other healing practices, and want those practices to be financially successful so that they can both help others and support their

families.

The term “abundance” is also open to interpretation. Abundance is not necessarily the same thing as having a lot of money, or being very prosperous. Each person has to decide what “abundance” means to them. Someone who does not have a lot of money but who has a lot of friendship and love might feel that their life is filled with abundance. Having a sense of abundance allows us to feel content with what we have. That assumes, of course, that we don’t struggle to find the money to eat every day, or we don’t live in an unsafe place.

You can use Reiki to attract abundance and prosperity towards you in many ways. Here are a few suggestions:

1. Draw the Reiki Power Symbol and the Long Distance symbol on a piece of paper, and place them in your wallet or purse. Every time you see them there, think of abundance/prosperity being drawn to you across time and distance. You can also place these symbols in a jar of coins and tuck one in the back of your checkbook.

2. Draw the Power Symbol on your Palm Chakras each morning. This will serve as a symbolic reminder of how money changes hands, and it will help draw that money toward your hands.

3. Use Aventurine stones or Malachite stones, both of which are often used to represent money. Place the

stone in one hand while you draw the Power and/or Long Distance Symbol over that hand with your other hand. Concentrate on the idea of wealth flowing toward you. Leave the stones near your checkbook, purse, wallet, etc.

4. Using the Long-Distance Symbol, you can send Reiki into the future for your finances. In other words, you can send positive energy into the future. You can also use the Long-Distance Symbol to go backwards in time to help heal some of the emotional toll that financial difficulties have taken on you.

5. If you have a business, you can draw the Power Symbol and/or Long-Distance Symbol in the air in the

corners of your place of business, over the cash register or credit card machine, etc. Leave small

Aventurine or Malachite stones that you have charged with Reiki near the register or credit card terminal.

There are several Chakras that are important to pay attention to in money matters:

1. The Palm Chakras – since money literally “changes hands”.

2. The Third Eye Chakra – because it’s the seat of your intuition, and it can help you make good decisions

about your future.

3. The Solar Plexus Chakra – because it’s the place of your inner wisdom, your “gut feelings”, and it can

help you determine whether something is a good or bad financial decision for you.

4. Be sure to focus on your Root Chakra, too, if self-confidence (or lack of it) is an issue. Your Root

Chakra is also important if past financial problems have disturbed your sense of stability and security (and

made you less confident as a result).

The subject of Reiki for abundance, prosperity and financial success is complex and multi-faceted. I have

just scratched the surface with this discussion. Please feel free to sign up for my newsletter to learn more

ways that Reiki can help you in your everyday life.

The Ndebele wedding is celebrated in three stages, this can take several years. The first stage is Labola for the bride; this is paid in instalments of both money and livestock. The second stage is a two-week sequestration of the bride during which time other women teach the bride how to be a good wife and the third stage is completed when the bride has her first child.

The groom to be sends a letter to the bride’s family to request a date for the Labola negotiation. He then has to purchase a sheep; some blankets, a broom and a few clothes for the girl’s family. The grooms parents then visit the brides parents and pay the Labola, after this they take the girl to the boys family to get to know him and his family.

Preparation for the wedding day will include writing up a guest list and sending out of the invitations, this happen two weeks before the wedding day. Food is bought and cooked the traditional way this will include ‘mielie pap’ (traditional maize meal) meat and salads, fruit, sweets and cake are served as dessert on the day.

The official ceremony will take place in a church, family members will be present for this so that they can witness the couple saying their wedding vows and the placing of rings on each others fingers. After the church ceremony the couple will change into traditional clothes and go with the guests to the girls home to eat. After they have finished to eat the couple will sit at a table, which has been especially decorated for them. Everyone present will talk to the couple and give them gifts.

The groom will then thank the guests where after they will go to his home. The oldest boy in the family will be there together with all the parents and grand-parents to give the girl an Ndebele name.

 

You don’t have to be a real estate expert to have heard of release agreements. A release is one of the most common types of contracts in the world of law. They are used to allow a company to use someone’s image for commercial use. However, a real estate release agreement isn’t quite the same thing. In most cases, releases are used by prospective buyers to release the seller from the mortgage or liens they have on a property so that the property is debt free. The form is extremely short and is often only one page when presented. Let’s take a look at a typical contract requiring a seller to obtain release of mortgage on a property.

The first part of the contract clearly outlines the date that this agreement is being signed, the names of both parties involved in the transfer of the property as well as any spouses of the members involved in the agreement. The second part of the agreement outlines the terms and conditions that the property in question is under. It goes over how much debt the property has attached to it and whether the property has a mortgage debt or a lien debt associated with it. It also outlines the purchase price of the property and how that purchase price can now be used to pay off any and all debt associated with the property. This type of form is used mostly to ensure that the seller will eliminate all debt from a piece of property when the sale is complete as agreed upon in the original sale agreement. Some people consider this form to be a bit redundant, but you can never be too careful when it comes to legal wrangling and property.

The final part of the agreement only requires the signer to include their names, the amount of the total debt still present on the property and finally, the amount that is being paid off. Much of the contract will simply be pre-typed text, often a template, that outlines the seller’s responsibilities once the sale is finalized.

If the buyer and seller of the property agree beforehand, a real estate release agreement isn’t necessary. It could be part of the original sale agreement that the buyer is responsible for paying off any existing debt on the property and not the responsibility of the seller. Since every legal agreement is different and many of them have their own unique provisions, some real estate release agreements can vary considerably from the one outlined here.

In conclusion, the real estate release agreement is a safeguard instituted by the buyer to ensure that a piece of property that has debt associated with it is paid off in full with the money gained during the sale by the seller so that when the final transfer of the property is finalized, it is debt free. It is vital that this agreement be included if you are buying property that has debt attached to it.