HOW TO BUY INSURANCE PRODUCT.

Target of our finance in fact are , defraying school, pension fund, vacation, expense, and making investment. Referring to that target, in this time insurance product more and more, and conscious people for have insurance. How Do You choose product matching with requirement? Possible in this time You have bought insurance product, but don’t know insurance product which You buy.

Tips hereunder possible very good for You.

1. See the Condition of Your finance. Evaluate beforehand the condition of financial. how is the condition of Your financial, have good, enough, or less or is bad.

2. Compile requirement priority scale. You can list requirement of You and goals what you Will reach later on day.

3. Making solution by judging available choice. Result of this phase can be referred by monetary planning. For example, if You wish to buy insurance product for the requirement of future, You can have recourse agent to recommend product what as according to requirement and ability of You. A reliable agent will assist consumer know the condition of its finance and give solution to them regarding insurance product what required for the future.

4. Repeat Evaluation what have been done.

This is important done to anticipate if You wish to revise again your monetary planning because of Your production or requirement increase. For example You wish to add education insurance for the second child. By doing diagnosed of your finance, You are expected to have strong foundation to develop and build your monetary future

HALO OPTIC PHENOMENON

Hi Readers, yesterday, Monday, september 22, 2008, there’s a natural phenomenon very clearest and capturing in my town. When I exit from my office at 12.00 to buy something, don't know how me see to great space. Wow… sun wraped by circle light with beautiful colours like a rainbow. In external coat there is a beautiful rainbow ring wrapping.

Quickly I take this moment with my Handphone camera. This phenomenon is called halo optic phenomenon.
The phenomenon happened by effect of refleksi and refraksi sun light / moon by ices crystals which there are in cloud of cirrus, cloud which located in atmosphere level is called troposfer, about 5-10km from surface of earth.
Natural phenomenon of this habit emerge at any times sun moment closed cloud of cyrus. accepted light in this part of gloomy earth area because blocked by cloud. phenomenon like this ring also enable the happening of rainbow because sunshine biased by cloud.

One of the result of my picture see below, if you wanna see other photos, click here.

Search Engine Submission Software

Hii readers, you can try all these software to increase your website. These are applications for the successful submission of web pages to search engines.
I get this from http://directory.webpronews.com/ct-145-search-engine-submission-software.html

1. Seoelite.com Index2 Page
SEO Elite Search Engine Optimization Software (SEO) is the internet's #1 SEO Link Popularity Software to analyze links, build link partners, add reciprocal links to your links pages and get a top search engine ranking! http://www.seoelite.com/index2.htm

2. Dynamicsubmission.com
Search engine dynamic submission software and website optimization tool to submit your urls to 1000's of search engines in few clicks and drive guarantee traffic to your website Free. Dynamic Submission http://www.dynamicsubmission.com

3. Apexpacific.com Seosuite Page
SEO Suite is a high level search engine optimization (SEO) management Software contains 25+ SEO tools for internet marketing consultants to achieve higher search engine ranking.
http://www.apexpacific.com/seosuite.html

4. Topshareware.com 1-ace-search-engine-submission-software-download-2090 Page
#1 ACE Search Engine Submission Software download page. Top Search Engine submission software http://www.topshareware.com/1-ACE-Search-Engine-S~

5. Dynamicwebsubmission.com Submission Index Page
Dynamic Submission an Internet marketing software which drives traffic to your website: url submission, search engine ranking, search engine optimization, seo, web promotion software, search engine promotion, search engine submission, website submission,
http://www.dynamicwebsubmission.com/submission/in~

6. Sharewarist.com
All-in-One Search Engine Submission Software Submits to 880,000 Engines, Directories and TOP 10 & TOP 20 Ranking Guaranteed : web site ranking utility, All-in-One Submission Online Service, seo website optimization, meta tag generator, url SEO Submit http://www.sharewarist.com

7. Webpositiongoldpro.com
WebPosition is the industry's #1 solution for search engine optimization, helping to optimize for relevancy and visibility with search engines to improve your search positions.
http://www.webpositiongoldpro.com

8. Submiturl.com Demodownload Page
Helping Webmasters Promote Their Sites Since 1998 Home | FAQ | Screen Shots | Download Free Demo | Order | Features | Resellers | Support What is it? What does it do? Free Trial Download Who Do We Submit To? Money Back Guarantee 6.xx to 7: How to Upgrade
http://www.submiturl.com/demodownload.htm

9. Engineseeker.com Search_engine_submission_software Page
EngineSeeker is the largest website promotion company on the Internet. Our services include search engine submission, search engine optimization, website traffic, instant traffic, website statistic analysis and search engine rank monitoring.
http://www.engineseeker.com/search_engine_submiss~

10. Searchenginecommando.com Download Page
Website submission and ranking software with domain name whois monitoring
http://www.searchenginecommando.com/download

11. Submission2000.com Ds7 Index Page
All-In-One Search Engine Submission & (SEO) Search Engine Optimization Software, web promotion, search engine submission internet marketing software that submit your web site to 1000+ major search engines and rank TOP 10 positions. Guarantee: Search
http://www.submission2000.com/products/ds7/index.~

12. Webceo.com
SEO Software by Web CEO (website optimization, submission and promotion software). SEO Software 'Web CEO' includes 12 SEO Tools in One Powerful SEO Suite. Optimize, promote, analyze, maintain Your Site with the only complete SEO Software - Web CEO
http://www.webceo.com

13. Webloganalyzer.biz Eng Allsubmitter Page
AllSubmitter - professional directory submission software.
http://www.webloganalyzer.biz/eng/allsubmitter.ht~

14. Ibusinesspromoter.com
Top rated website promotion tools for search engine submission, optimization, ranking and more. Free download. http://www.ibusinesspromoter.com

15. Trellian.com Seotoolkit Page
Employment opportunities are now available. Positions vacant at Trellian Melbourne Australia office. http://www.trellian.com/seotoolkit

HOW FAR DO YOU KNOW RED FRUIT? ( PART I )

Red Fruit = Buah Merah (Merah = Red, Buah = Fruit) plants are found among the density of tropical forest, spread within cool mountain climate on 2000-3000 meters above sea level in Papua (Indonesia). The Latin name of this plants is Pandanus Conoideus Lam. Red fruit is well known to some Papua tribes. It is cooked and consumed as an additional food.

Red fruit which formerly used for pig’s food or grow wildly at Papua forest, now is becoming familiar and expensive. Red fruit is typical plant or endemic which grow at Papua island. Red fruit is included in pandanus family, but it has 16m height with free stand limp 5 until 8 m height supported with rhizome at lower limp. Fruit shape is oval and its bud covered with fruit leaves. Red fruit is 55 cm - 100 cm long, 10-15 cm diameter, and 2-3 kg weight. It has bright maroon red color. Nevertheless a few of them are brown and yellowish brown color.

Traditionally, Papua people had consumed red fruit, either those who live in shore or mountain area. Other than as food source, they had used red fruit as food natural color and craft industry materials. Traditional people also recognized red fruit as medicine, but only to cure intestinal worm, skin disease, and to prevent blindness. In addition, they also recognized red fruit to increase energy

Even though with no single piece of cloth covered up their body, the people were able to survive living at a very cool temperature circumstance -20ºC- even at night. Women who consumed red fruit oil will recover soon after delivered baby. A mother who suckled baby traditionally had to consume red fruit oil to increase quality of mother’s milk.

Even the Papua people have consumed red fruit since long time a go, until year 2000 no single of Papua people realized that red fruit oil is not only to cure intestinal worm, skin disease, and to increase energy. In fact, red fruit oil is able to cure degenerative diseases such as cancer, tumor, hearth, diabetes, cholesterol, hypertension, and stroke diseases. Furthermore, accompanied with consuming animal protein, red fruit oil is proven to slow down and kill HIV/AIDS virus.

The local peoples search the red fruit fruit in the deep rain forest in Papua island and ship the red fruit to other islands with the Kano.

They consumed red fruit mixed with vegetable, sago, sweet potato/cassava and meat. They used red fruit oil to preserve food like sago and meat. Meat that was poured with red fruit oil was still consumable until 1 month and sago which was poured with red fruit oil still consumable up to 1-2 years. Red fruit also used to produce sauce and oil. Food would be more delicious and good smell if the food was poured with red fruit oil.

Examination also found that red fruit could be processed to become good natural color source for food, industrial material and cosmetic.

The people also used red fruit as craft industry material. Leaves, bark, and root of red fruit plants could be used as fastener, seat base, and bed. In addition, the old leaf of red fruit plant was plaited become mat, while the young leaf used as substitute for cigarette pack.

Source: www.redfruitoil.com a new natural alternative cancer treatment

HOW FAR DO YOU KNOW RED FRUIT? ( PART II )

The healing properties of Buah Merah were discovered quite by accident. It was Dr. I Made Budi MSc who made the link between Buah Merah and the fact that the Papuans and the Wamena people had a very negligible incidence of cancer, hepatitis, hypertension, stroke, diabetes and heart diseases. After conducting several tests to ascertain the properties of Buah Merah, it was found that the fruit contained Beta-carotene, Antioxidants, Omega 9 and Omega 3, all of which help to increase the resistance of the body.

How Red Fruit Works As An Alternative Cancer Treatment

The fruit was found to have very high levels of beta-carotene, which was around 12.000 ppm. Beta-carotene was used in the United States for effectively treating patients who suffered from lung cancer. It works by slowing down the blockage of the arteries, thus enhancing the blood flow to the brain and the heart. Beta-carotene also interacts with the protein in the body, increasing the antibody output by at least twice the amount, which enhances the activities of the lymphocytes and T-helpers. Studies have shown that a daily consumption of 30-60mg of Beta-carotene for two months can cause the body to produce natural cells that are disease-free. This increase in the number of natural cells was capable of minimizing production of cancer cells. This was possible because of the neutralization of free radicals which otherwise caused cancer.

After this discovery was made, the oil of the Buah Merah fruit was given to 30 fowls as they were also prone to succumbing to deadly viral attacks. These fowls were kept under observation and it was seen that it increased their resistance to the virus. After further tests and extensive library study, Drs. I Made Budi MSc concluded the fruit would definitely have healing effect on human beings too. Since then, the fruit has become popular as an alternative treatment choice for curing stroke, diabetes and different types of cancer.

Drs. I Made Budi, MSC did further tests on the fruit and found it had several nutrient substances that were also active medicinal compounds including tocopheraol, linoleat acid, dekanoat acid, oleat acid and linolenat acid. The tocopherol that was present in Buah Merah had strong anti-carcinogenic properties, which enhanced the body’s immune system especially against HIV/AIDS. This further endorsed Drs. I Made Budi’s decision to use the fruit for medicinal purposes.

Buah Merah also contains high levels of Omega 9 as well as Omega 3, two non-saturated fatty acids which are easily digested and absorbed into the body. This helps the metabolism to run smoothly, which in turn speeds up the process of recovery. These fatty acids also have antiviral as well as antibiotic properties, which function by slowing down and killing the lipids membrane of viruses. As a result of this, the viruses are unable to develop new structures and cannot regenerate. This helps actively in the prevention of HIV/AIDS by killing the HIV/AIDS viruses including the liver-damaging hepatitis virus. The active tumor cells are also killed.

The Antioxidant Properties Of Buah Merah

Prof Dr. Muhilal, a Biochemical Doctor discovered that the reason the Papuans had such a low incidence of vitamin A shortage was because of their high consumption of Buah Merah, which contained high levels of beta-carotene. Beta-carotene gets converted into vitamin A by glucose.
The high levels of tocopherol helped prevent the onset of degenerative diseases such as cancer, hypertension and diabetes mellitus. Only olive oil has such high tocopherol content. Dr. Chairul, chemical doctor and researcher at LIPI - Indonesian Biology Examination Center stated that the antioxidant properties of the fruit made it helpful in curing degenerative diseases, retarding free radicals and preventing the early onset of old age.

Source: www.redfruitoil.com a new natural alternative cancer treatment

HOW FAR DO YOU KNOW RED FRUIT? ( PART III )

The Treatment Abilities Of Red Fruit = Buah Merah

Cancer
Cancer is caused by abnormal cell growth. The beta-carotene and tocopherol in Buah Merah act as antioxidants and enhance the immune system of the body by working to prevent the growth of cancer cells. This is why Buah Merah is being called the new alternative cancer treatment.

Diabetes Mellitus
The blood-sugar level is increased when the pancreas gland is unable to produce much-needed insulin, giving rise to Diabetes Mellitus. The tocopherol in Buah Merah helps improve the performance of the pancreas, thus helping to prevent this condition.

Hypertension, Stroke, and Heart Disease
Obesity, lack of exercise, smoking and excessive alcohol consumption could lead to hypertension, which is often accompanied by heart disease and stroke. The tocopherol present in Buah Merah helped dilute the blood enabling the smooth circulation of blood to the different parts of the body. The beta-carotene in Buah Merah slowed down the blockage in the arteries, helping smooth flow of blood to the heart and the brain.

HIV AIDS
We know the tocopherol and beta-carotene are two compound chemical in Buah Merah oil. They have function as a antioxidant. It can increase the human immunity that the main problem for HIV/AIDS patient. Both of these compound can avoid free radical in our body. By increasing this human immunity, the person who has HIV/AIDS can against many other diseases which infect their body. Tocopherol and beta-carotene make combination to break amino acid compound that needed by HIV, It means the HIV can’t take the food from amino acid for it lives. High Protein in buah merah is very needed by AIDS patient. Tocopherol and beta-carotene can also combine with Pegagan and sambiloto, because pegagan has function as an antivirus and sambiloto as an antibiotic.
To help the healing of AIDS patient, Buah Merah can consume as a supplement and don’t forget to leave some medicines from docter. Buah merah oil can be given about one tea spoon three times a day.

Hepatitis
Hepatitis B and C could develop into liver cancer or cirrhosis if not cured. The antivirus and antioxidants in Buah Merah help prevent formation of cancer cells and also speed up regeneration of liver cells.

Cholesterol
High cholesterol levels led to narrowing and hardening of the blood vessels. The Buah Merah oil help neutralize blood cholesterol.

Osteoporosis
Buah Merah is calcium rich and contains about 55.000 mg per 100 gram. It supplies the bones with much-needed calcium that can help prevent osteoporosis, which is primarily caused by lack of calcium.

Eye Obstruction
Beta-cartone, which is provitamin A gets converted into vitamin A in the body and helps cure eye obstruction that is caused due to lack of vitamin A.

Improving Sexual Desire and Fertility
People who consume Buah Merah oil notice an increase in sexual desire. Fertility in men as well as women is also increased due to the tocopherol and the vitamin E that is present in the fruit.

Source: www.redfruitoil.com a new natural alternative cancer treatment

FISHES ARE HIGH PROTEIN SOURCE

Fishes are often consumed by human beings. They are delicious, nutritious, and cheap. Commonly, people cook fishes just because they are delicious, but they do not know well about the nutrient value. On this article, I will tell you that fishes are great nutriments.
As double unsaturated fatty acid source, fishes are better than other meal products. In fishes, there are substances which are called Omega 3 fatty acid. The Omega 3 fatty acid is very important to increase the children’s intelligence and maintain the function of cornea. Unfortunately, not all people realize the great function of consuming fishes. Fishes are considered one of vitamin sources, especially vitamins that are soluble in fat.
The main function of protein for the body is as the builder substance which form new fabrics and replace the alones. Beside such function protein also has certain function in the relation with nutrient’s metabolism.
The role of animal protein relates to the metabolism of some kinds of minerals. It has been proved that the animal protein can increase the absorption of iron that comes from vegetables. Actually, minerals that come from vegetables can’t be well absorbed than on minerals that come from animals.
Actually, meals contain 30 – 40 % of animal protein. F A O predicts that the American people consume the animal and vegetables protein are about 73 gram and 34 gram every day and those who live in developed countries consume 12 gram and 44 gram of protein every day.
The newest research shows that protein takes important role in decreasing the cholesterol value in the serum. Some researches predict that the value of amino acid of protein take important
Role to arrange cholesterol metabolism and decrease the value of serum cholesterol. The quality of the fishes protein are higher than the quality protein of meat and eggs. Because fishes have high protein content, so their protein are often used for supplement and complement substances, especially for vegetable protein such as nuts, vegetables and cereals.
The combination between the vegetable and fishes protein will increase the protein value of vegetables substance.
The content of fish’s protein is influenced upon the value of fat and water. Commonly, it can be called that the finned fishes contain protein 14 – 24 %, crustacean 10 – 18 %, and mollusk 5 – 18 %. The nutrient composition of some fishes can be on Table I.
The nutrient value of fishes are higher than beef and milk casein. The amino acid which is in the protein of one meal product, not entirely be used for the body because it is influenced, by digestion and absorption process. Usually, the amino acid of fishes protein can be digested and absorbed more than 90 %. The amino acid of vegetable protein can be digested and absorbed 60 – 70 %. The low quality of protein can be caused (by) many factors, for example, the protein’s conformation, union of metal. Nucleated acid, cellulose, and saccharine which obstruct the digestion process, and the meal working process with high temperature.
The composition of essence amino acid of some fishes are similar to the composition of mammals. Fishes have balanced composition of amino acid as F A O and WHO have recommended. The fishes protein have the same composition with mother breast, eggs, and meat. It means the essential need of amino acid for the human’s body will be fulfilled with fishes protein.
To tell you the truth, the fishes protein have higher value than soy and meat. Reading this article, I’d like to know what’s your comment on consuming fishes?

TAKE CARE OF YOUR BODY

KNOW whether you are healthy, it could be seen from your skin and your eye sight. Don’t only depend on cosmetics and medicines that can beauty your appearance. To tell you the truth, they just camouflage you. Using them make your skin fresh, smooth, and soft. Those whose have weak bodies will look stronger by taking medicines.

I think all people will be glad if they posses the healthy body by applying naturals ways. I mean, they do not take pills or medicines, but they care their body correcting their meals, doing gymnastic and taking enough time to rest.
The right meal design is to consume the meal that contains the balance of fat, protein, carbohydrate, vitamin, and mineral.

A. Fat
Everybody considers the excess of fat causes heartache, but you must remember that your body needs fat in a certain portion. The function of fat is the source of power.
The kinds of fat:
There are there kinds of fat. The classification is based on the satiation of fatty acid.
1. Saturated fatty acid
It comes from animals, besides that it also comes from coconut, cheese, butter, palm-oil, etc.
According to research this fatty acid could increase cholesterol value in the blood.
2. Unsaturated fatty acid
It comes from plants, for example, nut-oil, and olive-oil. This fatty acid does not influence in cholesterol value in blood.
3. Double unsaturated fatty acid
It comes from plants, for example, sun-oil, corn-oil, etc. According to researches, these fatty acids could reduce cholesterol value in the blood. The need of fat is about 20-30% from the total need of fat everyday. (Note: I gram of fat contain 9 calories).

B. Protein

The body needs protein, especially for those who are growing. The function of protein is to from new tissues, and replace broken tissues.
Protein is formed by oxygen, nitrogen, carbon, and hydrogen which are called amino acid.
There are twenty amino acids that are needed by the body to grow. Essential amino acid couldn’t be produced by the body. This could be gotten from daily meal, such as meat, fish, egg, milk, etc. Besides from such sources, it also could be gotten nuts or vegetables protein. To tell you the truth, the value of vegetable protein is different from the value of animal’s protein.
The need of protein is about 13-15% from the total need of protein everyday.
(Note: I gram of protein contains 4 calories).

DRINKING TEA EVERY DAY

In the years to come the price of tea may soar high in the sky, as world producers work to promote the brew. The world price of tea reached its highest level for almost 200 pence per kilo at London auctions at the beginning of the year. Tea from Burundi fetched the highest price.

For the tea pickers of India, Sri Lanka, East Africa, Indonesia and elsewhere, who have the backbreaking task of picking are welcome news. Small farmers, especially, will reap the benefit: it is they who produce most of the tea in exporting countries.

For tea drinkers, it means paying more. But tea will still be cheap, normally costing less in shops and cafes than its big brother, coffee.

World tea production reached a record level of 2,691,000 tons in 1996, some three percent higher than in 1995. in India, the previous year production rose by four percent to a record level, while in Africa, Uganda reported an increase of 26 percent. But earlier that year, severe draught in Kenya – the largest African tea producer – reduced the country’s tea output sharply, from 93.5 million kilos in the first quarter of 1966 to 55 million kilos in the first three months of the year.

The fall in output is one of the immediate reasons for tea’s higher price. A spokesman for the London-based Tea Brokers Association said that tea output in Kenya would probably be around 25 percent lower this year, a big enough drop to cause a shortage of tea for auction.

Kenya is normally the world’s biggest tea exporter, and tea –loving Britain the largest importing country, buying three-quarters of its tea from Kenya. India, the world’s biggest producer, only exports about a quarter of its crop. Extremely dry weather in other east African countries, and Sri Lanka, has also adversely affected tea crops this year.

With most export crops, the price is decided hour by hour in accordance with supply and demand. Tea, by contrast, is auctioned daily or weekly in nine centers around the world. There is no futures market in tea, and thus no opportunity for speculation.

But the price is still determined by supply and demand. While some of the chief producing countries have less tea for export, the worldwide demand for tea is growing, especially in the Middle East, Eastern Europe and parts of Asia and Africa.

Tea-exporting countries are hoping that the current price rise is just the beginning. With the support of Britain, Canada and the USA, and the UN’s Common Fund for Commodities, they have launched a three - year campaign to promote the health-giving’ aspects of the drink.

Tea drinkers have long claimed that the drink is more refreshing than its rival. Once Mr. Lewis, director of the London-based Tea Council, a body which promotes the drink, now points to a massive evidence, that tea drinking can help to prevent certain diseases.

Researches have found that tea drinking might protect people against cardiovascular disease and liver disorders, and reduce the risk of stomach cancer. More research is in progress. Mr. Lewis also claims that tea is environmentally sound. Tea bushes grow mostly on terraces at the high altitudes, he points out, and help to prevent soil erosion. And the smallholders who grow the tea tend not to use fertilizers and pesticides.

If its disease-prevention properties are confirmed, then tea could be on the brink of a boom.

HOW TO RATE ON A FIRST DATE

EVEN if dating isn’t anything new to you, the age-old problem of first date jitters can still take its toll. If you need a First Date brush-up course, read on! We’ve got some tips to help you the grade!

a. For a polished presentation, allow plenty of time to prep for your date. Be sure to choose an outfit that makes you feel confident and comfortable! Use makeup to accentuate your best features, not to provide a false front! For a fragrant finishing touch, sprinkle your perfume.

b. Look who’s talking! Make sure to make eye contact when your date is speaking to you. If your eyes wonder, he may think you’re not interested in him or what he has to say.

c. Steer clear of a stroll down memory lane-especially if the landmarks are all the wonderfull places other dates have taken you.

d. Don’t turn into a walking, talking Complaint Department if the date doesn’t run perfectly smooth. Rather than becoming a negative influence, handle any dating glitches with humour.

e. Five-minute warning! Don’t spend an unnecessary amount of time in the ladies’room. Remember that there’s someone patiently awaiting your return.

f. Don’t spend lot of time talking about other girls especially if it’s gossipy commentary. The girl he’s most interested in knowing about is you!

g. Consider offering to pay for something during your date (the popcorn, peanuts etc at the movies or a drink as you stroll through the mall_. If he picks up the tab, be sure to thank him!

h. An introductory offer; If you should run into someone you know, remember to introduce your date so he doesn’t feel left out.

i. Stick with the present tense. View a first date as an event in and of itself. Don’t speculate too much about where it all may lead.

j. If your date seems especially nervous as your time together draws to a close, he may be suffering from a goodnight-kiss crisis. If you make a point of being relaxed, he’s likely to follow your lead and feel more at ease.

So open up that book of love and memorise these strategies. When the time comes for that first date, you’ll pass the test with flying colors!

CREDIT CARD FOR BUSINESS, WHY NOT?

If you have credit card 2 until 5, with limit 300 usd until 1000 usd , Is it possible that you can make capital for have business? I think it's possible . Its way??

1. Buy various saleable product for many people, buy that saleable product in grocery with your credit card then sell again the product to small shops or to co-operation
2. If You have computer hobby with grafika desain, you can buy 1 unit of computer, printer, scanner with your credit card, then with your ability to design various invitation, visiting card, serifikat, you'd can build a business.

But Don'T forget, You have to be bright and take a care in calculating between your income with instalment and also yours credit card interest, but this non difficult matter. You can discuss with one who more experienced.

In this time I know only 2 ways, whether readers can give the other way?

Success for you,

piter m.s

WHAT'S SMALL BUSINESS??

A small business may be defined as a business with a small number of employees.
The legal definition of "small" often varies by country and industry, but is generally under 100 employees in the United States while under 50 employees in the European Union (In comparison, the American definition of mid-sized business by the number of employees is generally under 500 while 250 is for that of European Union).

These businesses are normally privately owned corporations, partnerships, or sole proprietorships. In Australia, small business is defined as 1-19 employees and medium businesses are made up of 20-200 employees.

However, other methods are also used to classify small companies, such us annual sales (turnover), assets value or net profit (balance sheet), alone or in a mixed definition. These criteria are followed by the European Union, for instance (headcount, turnover and balance sheet totals).

Small businesses are common in many countries, depending on the economic system in operation. Typical examples include: convenience stores, other small shops (such as a bakery or delicatessen), hairdressers, tradesmen, solicitors, lawyers, accountants, restaurants, guest houses, photographers, small-scale manufacturing etc. Small businesses are usually independent.

The smallest businesses, often located in private homes, are called microbusinesses (term used by international organizations such as the World Bank and the International Finance Corporation) or SoHos. The term "mom and pop business" is a common colloquial expression for a single-family operated business with few (or no) employees other than the owners. When judged by the number of employees, the American and the European definitions are the same: under 10 employees.

SOURCE: http://en.wikipedia.org/wiki/Small_business

How To Choose A Laptop

Screen size: This is probably one of the most important factors (apart from processor and memory) which should be kept in mind while choosing a laptop. If you are used to having a large monitor for your desktop PC, choosing a fairly large screen size for your laptop becomes even more necessary. The standard screen size of laptops these days is 15" but there are larger sizes available as well. Companies like Dell even offer 19" and 20" screen sizes for certain models. Then, there are wide-screen monitors available for laptops these days. These are especially beneficial if you like to watch movies on your laptop of if you frequently use many applications side by side.

Processor: The CPU is the most important part of a PC or a laptop. This choice is not easy with so many options available to choose from in the market. The only two companies that make processors are Intel and AMD. Based on your requirements, you can choose a processor that is best for you in terms of both price and performance.

Memory: Now, memory is one thing which is never enough. The more you have, the better it is because it is the one thing (after the system processor) which would determine how fast and efficiently your work gets done. Most systems these days come pre-loaded with 1GB of RAM but make sure you can upgrade it later. Also, it is beneficial to know how much maximum amount of memory the laptop supports so that you don't have to go through trouble when you do plan to upgrade the memory.

Storage: This is yet another critical component in a laptop. All the files, folders, etc. that you have will be stored in the hard disk. Hence, choosing a large hard disk is of utmost importance. Go for 100 GB or more at the minimum if you don't want to run out of hard disk space real soon. There are 200-400 GB hard disk drives that are available these days, so, choose according to your requirement. Another thing to keep an eye out for while choosing storage is the speed of the hard disk. The higher the speed the better its performance will be (and the expensive it will be as well). Generally, hard disks come with 5,200 or 7,200 RPMs which is quite okay for everyday use.

Sturdiness: Pick up the laptop physically in your hand to know that you are comfortable with its weight. Also, make sure that it is sturdy, solid and does not feel too heavy. Also, if possible try out the keyboard. This is quite important since you cannot change the keyboard later (unlike in a desktop), so it helps in trying out the keyboard before you actually buy the laptop.

Pointing Device: Apart from checking the sturdiness of the laptop, don't forget to check out the pointing device in the laptop for its functioning. Make sure it's functioning properly and the way it is intended to. Also, see that the track ball and the track pad are in perfect condition. Although, you will be able to connect an external mouse to the laptop but the built-in device is handier when you are moving around.

Expansion Slots: Choose a laptop which has many expansion options. Make sure the laptop you buy has got atleast 3-4 USB2 connections and atleast one Firewire (IEEE 1394) port. USB2 and Firewire are a couple of very popular ways of connecting various devices to a laptop/desktop like digital cameras, mp3 players, cell phones, etc.

Wireless Connectivity: With the advent of wireless networks, it has become almost a necessity that the laptop that you buy has built-in Wi-Fi facility which will help you to surf the web once you are in a Wi-Fi enabled zone. A wireless network card, also called the 802.11 will free you from having to be wired all the time to connect to the internet. It is also beneficial to check whether the laptop has Bluetooth capability or not.

Optical Drives: Optical drives like a DVD-player, DVD-writer and Bluray player/ writer are quite useful when you want to burn your data onto a disc (DVD or BluRay) and keep it safe and secure. The optical devices make backing up your important documents, music files, pictures, etc. very easy because of the high capacity of the discs as well as the usability of these devices.

Battery Life: This might not seem as important as other points but you will surely want to look for a laptop which gives you decent to good battery life. A battery that lasts in the long run will help you once you are mobile. If you want to use your laptop for a long duration of time away from a power source, make sure that your laptop has a battery which lasts really long.

SOURCE: LIFE STYLE LOUNGE

Top 10 Safety Tips for Traveling With Children

Traveling with children, especially infants and toddlers, puts special demands on the adults responsible for their well being. Based on analyses of dozens of aviation incidents and accidents involving children and on my own experience as a traveling parent, here are ten tips that can make the trip safer for the child.

1. Plan ahead: Ask yourself what supplies you will need to have on hand to take care of any normal or special needs for the child. Remember, it is the airline's responsibility to carry passengers to their destination, but it is the responsibility of the parent or responsible adult to take care of any children.
   
2. Use a child restraint system for children under 40 pounds (18.1 kilos): The U.S. Federal Aviation Administration strongly recommends that children weighing less than 40 pounds be put into a child restraint system appropriate for their weight. Children under the age of two may be carried on the lap of an adult, but the lap child should have some kind of restraint system.
3. For small children, consider the following recommendations:
   • Find a way to conveniently carry an appropriate child restraint system through airports and into and out of aircraft.
   • If the child is over the age of two and less than 40 pounds (18.1 kilos), follow the FAA recommendations for using child restraint systems.
   • If the child is under two, consider buying a separate seat for the child and use an appropriate restraint system for the seat.
   • If the child is under two and will be traveling on the lap of an adult, consider using an appropriate in-flight child restraint. Also, bring along an appropriate child restraint system for a seat just in case you happen to be next to an unoccupied seat.
   
   AirSafe.com has further information about using child restraints on aircraft.
4. Prepare for possible emergencies: Make sure you are aware of emergency equipment or procedures that would apply to your child:
   • Pay attention to the standard preflight emergency briefing
   • Ask a flight attendant if that particular aircraft has emergency equipment like life preservers specifically designed for small children
   • If your child has a medical condition that may become an issue during the flight, make a flight attendant, counter agent, or gate agent aware of that possibility before the flight
5. Take all essential items for the children in carry-on luggage: Take enough food, diapers, medicine, and other items to last through possible flight delays and lost luggage. Carrying all the child's essentials with you is especially important if your child is on a special diet or on medication.
6. Keep your children under control at all times: YOU and not the flight attendant is responsible for supervising your child at all times. An unsupervised or unrestrained child could quickly wander way into dangerous areas such as galleys, especially if the responsible adult falls asleep. During a very long flight from Australia to the U.S., I observed a parent traveling alone with a child fall asleep and then saw their toddler wander down the aisle. You should also be careful when walking about the aircraft with your child so that they don't reach for cups of hot coffee, silverware, and other hazards.
7. Seat your child away from an aisle: Small children enjoy reaching out and exploring, but if they are on the aisle they could get hurt if their little arms get bumped by a person or serving cart passing down the aisle. Ideally, two responsible adults should sit on either side of the child. Also, one can seat the child on a row with a window on one side and a responsible adult on the other.
8. If emergency oxygen masks deploy, put your mask on first: This advice may seem cruel, but there is a very practical reason for it. If the brain is starved of oxygen (hypoxia), one can get confused or pass out and be unable to help themselves or their child. By putting on their mask first, the parent or responsible adult will reduce their chance of falling victim to hypoxia.
9. Keep your child belted or in a child restraint system at all times: This is for the same reasons given in my more general Top 10 Air Traveler Safety Tips page. Turbulence can happen at any time and without warning, so keep your child belted in as much as possible. If the child, wants to get up and move around, let them do so only if the seat belt sign is off. The FAA has related information in this brochure about child seats and turbulence.
10. Bring along safe toys: Try to avoid bringing along toys that are sharp, heavy, or that break easily. If the child has an electronic game, only allow them to use it during the cruise portion of flight. Electronic games may interfere with an aircraft's navigational system during other phases of the flight.
11. Take extra precautions for children traveling alone::
    • Escort the child onto the aircraft and check the area around the seat for hazards such as heavy carry-on items in the overhead storage bins.
    • Inform the chief flight attendant that the child is traveling alone
    • Ensure that the person meeting the child at the destination will have proper identification.
    • Make it clear to the child that they should report any problems to a flight attendant. This could range from feeling sick to having a suspicious character seated next to them.
    • If the child has to change planes, make arrangements for the child to be escorted between gates. This usually costs extra and is required for small children and is recommended for older children, especially those old enough to do it on their own but not mature enough to deal with potential problems or temptations at a busy airport

SOURCE: AIRSAFE

5 INTERVIEW TIPS TO GET YOU THE JOB

Tip #1 - pre-interview research

• use the Internet to get the scoop on the company, and
  model yourself into their ideal candidate!

Tip #2 - Predict their questions in advance - and rehearse your answers

• most interviewers will be focused on seeing how your past responsibilities in other positions relate to the job offered. Since you've studied the company online, you can roll out a prepared answer.
  

Tip #3 - Dress like an actor (read below for clarification)

Mentally, it's important to dress in a way a casting director would have someone dressed the job interview in a film.
Yes, you got it - men, neatly pressed white shirt, suit, and a tie. Leave the body jewelry at home.

Women, be certain to avoid any item that can raise an eyebrow, including

skirts shorter than an inch above the knee;

very high heeled shoes, sandals, an open toe or heel;

neckline much below the collar bone, make-up that "looks" like make-up instead of an enhanced complexion.

Why? An interview is role playing time for you as well as the interviewer. Play it the way the ritual is intended.

Tip #4 - Plan 6 main points you want to get across in the interview, regardless if you are asked.

Most people think they only have to respond to answers. But there is a way of weaving your answers into their questions.

Rehearse this in advance by predicting their questions
and answering them with key points.

What points should you address? Consider this:

Positive, Powerful, Personal anecdote of glowing achievements in past position:

A list of at least 3 key benefits you offer the company that can solve a known issue (you gleaned on their web, remember?)

A direct statement of how you can help the company achieve their goals.

Tip # 5 - A Positive Attitude, and a smile!

A smile Radiates positive energy. It lifts the mood of the person interviewing you and can get you the job!

So remember these job hunting interview tips, rehearse your interview skills, and you will be fine!

Source: Marisa D'Vari