What Is the Relevance of Technology?

“Technology in the long-run is irrelevant”. That is what a customer of mine told me when I made a presentation to him about a new product. I had been talking about the product’s features and benefits and listed “state-of-the-art technology” or something to that effect, as one of them. That is when he made his statement. I realized later that he was correct, at least within the context of how I used “Technology” in my presentation. But I began thinking about whether he could be right in other contexts as well.What is Technology?Merriam-Webster defines it as:1a: the practical application of knowledge especially in a particular area: engineering 2 b: a capability given by the practical application of knowledge 2: a manner of accomplishing a task especially using technical processes, methods, or knowledge 3: the specialized aspects of a particular field of endeavor Wikipedia defines it as:Technology (from Greek τέχνη, techne, “art, skill, cunning of hand”; and -λογία, -logia[1]) is the making, modification, usage, and knowledge of tools, machines, techniques, crafts, systems, and methods of organization, in order to solve a problem, improve a preexisting solution to a problem, achieve a goal, handle an applied input/output relation or perform a specific function. It can also refer to the collection of such tools, including machinery, modifications, arrangements and procedures. Technologies significantly affect human as well as other animal species’ ability to control and adapt to their natural environments. The term can either be applied generally or to specific areas: examples include construction technology, medical technology, and information technology.Both definitions revolve around the same thing – application and usage.Technology is an enablerMany people mistakenly believe it is technology which drives innovation. Yet from the definitions above, that is clearly not the case. It is opportunity which defines innovation and technology which enables innovation. Think of the classic “Build a better mousetrap” example taught in most business schools. You might have the technology to build a better mousetrap, but if you have no mice or the old mousetrap works well, there is no opportunity and then the technology to build a better one becomes irrelevant. On the other hand, if you are overrun with mice then the opportunity exists to innovate a product using your technology.

Another example, one with which I am intimately familiar, are consumer electronics startup companies. I’ve been associated with both those that succeeded and those that failed. Each possessed unique leading edge technologies. The difference was opportunity. Those that failed could not find the opportunity to develop a meaningful innovation using their technology. In fact to survive, these companies had to morph oftentimes into something totally different and if they were lucky they could take advantage of derivatives of their original technology. More often than not, the original technology wound up in the scrap heap. Technology, thus, is an enabler whose ultimate value proposition is to make improvements to our lives. In order to be relevant, it needs to be used to create innovations that are driven by opportunity.Technology as a competitive advantage?Many companies list a technology as one of their competitive advantages. Is this valid? In some cases yes, but In most cases no.Technology develops along two paths – an evolutionary path and a revolutionary path.A revolutionary technology is one which enables new industries or enables solutions to problems that were previously not possible. Semiconductor technology is a good example. Not only did it spawn new industries and products, but it spawned other revolutionary technologies – transistor technology, integrated circuit technology, microprocessor technology. All which provide many of the products and services we consume today. But is semiconductor technology a competitive advantage? Looking at the number of semiconductor companies that exist today (with new ones forming every day), I’d say not. How about microprocessor technology? Again, no. Lots of microprocessor companies out there. How about quad core microprocessor technology? Not as many companies, but you have Intel, AMD, ARM, and a host of companies building custom quad core processors (Apple, Samsung, Qualcomm, etc). So again, not much of a competitive advantage. Competition from competing technologies and easy access to IP mitigates the perceived competitive advantage of any particular technology. Android vs iOS is a good example of how this works. Both operating systems are derivatives of UNIX. Apple used their technology to introduce iOS and gained an early market advantage. However, Google, utilizing their variant of Unix (a competing technology), caught up relatively quickly. The reasons for this lie not in the underlying technology, but in how the products made possible by those technologies were brought to market (free vs. walled garden, etc.) and the differences in the strategic visions of each company.Evolutionary technology is one which incrementally builds upon the base revolutionary technology. But by it’s very nature, the incremental change is easier for a competitor to match or leapfrog. Take for example wireless cellphone technology. Company V introduced 4G products prior to Company A and while it may have had a short term advantage, as soon as Company A introduced their 4G products, the advantage due to technology disappeared. The consumer went back to choosing Company A or Company V based on price, service, coverage, whatever, but not based on technology. Thus technology might have been relevant in the short term, but in the long term, became irrelevant.In today’s world, technologies tend to quickly become commoditized, and within any particular technology lies the seeds of its own death.Technology’s RelevanceThis article was written from the prospective of an end customer. From a developer/designer standpoint things get murkier. The further one is removed from the technology, the less relevant it becomes. To a developer, the technology can look like a product. An enabling product, but a product nonetheless, and thus it is highly relevant. Bose uses a proprietary signal processing technology to enable products that meet a set of market requirements and thus the technology and what it enables is relevant to them. Their customers are more concerned with how it sounds, what’s the price, what’s the quality, etc., and not so much with how it is achieved, thus the technology used is much less relevant to them.

Recently, I was involved in a discussion on Google+ about the new Motorola X phone. A lot of the people on those posts slammed the phone for various reasons – price, locked boot loader, etc. There were also plenty of knocks on the fact that it didn’t have a quad-core processor like the S4 or HTC One which were priced similarly. What they failed to grasp is that whether the manufacturer used 1, 2, 4, or 8 cores in the end makes no difference as long as the phone can deliver a competitive (or even best of class) feature set, functionality, price, and user experience. The iPhone is one of the most successful phones ever produced, and yet it runs on a dual-core processor. It still delivers one of the best user experiences on the market. The features that are enabled by the technology are what are relevant to the consumer, not the technology itself.The relevance of technology therefore, is as an enabler, not as a product feature or a competitive advantage, or any myriad of other things – an enabler. Looking at the Android operating system, it is an impressive piece of software technology, and yet Google gives it away. Why? Because standalone, it does nothing for Google. Giving it away allows other companies to use their expertise to build products and services which then act as enablers for Google’s products and services. To Google, that’s where the real value is.The possession of or access to a technology is only important for what it enables you to do – create innovations which solve problems. That is the real relevance of technology.

Online Gambling Debts – How to Deal With the Causes and Effects of Online Gambling Debts

One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. The real danger comes when you combine this factor with the fact that it is so easy to feel detached from the reality of money spent online. Gradually racking up a debt online does not feel the same as handing over hard earned cash from our wallet, so it is that much easier to lose track of how your online spending is mounting up.For these reasons, debt problems from internet gambling are on the increase. In this article I hope to clarify some of the legal issues around online gambling, as well as providing some advice on dealing with the underlying problem and the debts that result from it.Legal Issues Around Gambling DebtsWhen we talk about debt from online gambling it is important to be clear about the nature of the debt, because who the money is owed to does make a difference. People are often unsure about the legality of debts from online gambling. In the UK you can gamble legally on credit and incur a debt, but this debt is not then enforceable through the law.

However, there is an important point to make here, which is that this only applies when you are using credit extended by the company offering the gambling (casino, bookie, etc). If you use a credit card company to pay for internet gambling, that is a legally enforceable debt the same as it would be in any other circumstance, because you have borrowed money from the credit card company, not the casino. It is now against the law in the US to use a credit card to pay for online gambling.You will find that many credit cards will regard a payment to an internet gambling website as a cash advance. This is then clearly borrowing money from the card company and the debt you incur can be pursued through legal action. If you do use a credit card to pay for online gambling this way, you should be aware that cash advances on credit cards are almost always charged at a much higher rate of interest than normal credit for purchases.How To Deal With Debts Caused By GamblingIn dealing with gambling debts, there are two separate issues to tackle. One is the debt itself, and the other is the habit of gambling that led to the debt. Even if the debt is dealt with, it is likely to build up again if the root cause is not tackled too. Let us first consider the problem of paying off the debt.The principles for tackling debt are nearly always the same, irrespective of the causes of the debt. To permanently deal with debt you should not be considering borrowing more money or paying anyone to deal with your debt for you. These courses of action are likely to deepen your debt in the long run.With a little advice, you can deal with your debts yourself, by contacting your creditors and agreeing terms for repayment that you can afford. There is clearly more to it than that, but it is beyond the scope of this particular article. The process is straightforward and allows you to take back control of your finances.Factors Leading To Internet Gambling DebtsIt may help to have an understanding of why some people can become addicted to online gambling. The following are often contributory factors:Gambling can be thrilling, leading to an adrenalin rush and feelings that we want to recreate time and again.Many addictive gamblers think that they can win money and that this will solve all their other problems. It actually just leads to more problems by creating debt, which can then make it seem even more important to win the money, creating a vicious circle.Addiction to gambling can actually be a mental disorder, which can lead to a compulsive need to gamble.

Being addicted to online gambling is often associated with other personal difficulties, including depression and stress.Online Gambling Debts – The Warning Signs You may have a problem if you can answer yes to any of the following questions:When you are not gambling, do you think about gambling and how you are going to get back to it?Have you ever missed work because of online gambling?Do you feel the need to gamble again after winning or losing?Is the length of time you spend on gambling getting longer and have you ever spent longer online than you thought you had?Are you secretive about your gambling with family or friends and do you dislike other people bringing it up?Practical Steps To Tackle Online Gambling Addiction If you think you may have a problem with online gambling, here are a few simple steps you can take to begin to reduce or stop the habit:Be open with friends and family and seek help with the problem.Cancel any accounts you have with websites for online gambling.Consider using software that blocks your access to online gambling websites.Keep a proper, ongoing record of everything you spend – take steps to bring home the fact that the money you are using is real.

Purchasing a New Automobile

Should you be considering the purchase of an automobile, there are some common traps that you will be smart to elude. Continue reading to find out how you can obtain the best deal from your bargaining.As you are dealing with a salesperson at an automobile dealership, you want to make certain that you maintain the position of control. Making sure that the salesperson is aware of the fact that you are looking solely for the best price with no regard for loyalty to any dealership should keep him off balance. You must drive the dialogue.As you affirm your place as the one controlling the negotiations, do not forget that the salesperson is not your buddy. Do not establish an amicable relationship with a salesperson until you have signed the forms and the deal is done. Up to that time, he is just representing the dealership in your particular business deal.

The salesperson surely will try to create a friendship with you since such a personal empathy will increase the probability that you will agree to unfavorable prices and terms. It is for this reason that you must maintain the relationship as a serious business transaction.Performing some research before you go to the dealership will help your bargaining position. Check the newspaper for advertisements showing prices for the automobile in which you are interested. You can also obtain good insight by finding the Kelly Bluebook value of the vehicle.Should you be determined to discover just exactly what the vehicle is going to cost, find several previous customers who purchased the automobile you want and examine the terms of their sales contracts. With this data, you can calculate the best cost for your automobile by contrasting baseline price plus the cost of add-ons.

Remember that the dealership needs your business more than you need the dealership! They cannot simply scare up another customer, but you certainly can locate another dealership should you not get satisfactory terms.Lastly, do best to exude confidence via your speech, actions and even your stance. Demonstrate to the salesperson that you have no self-doubt whatsoever, and he will not have the opportunity to use it against you. Do not forget that you are in charge! And never agree to buy the vehicle until such time as you are satisfied with both the vehicle and the terms of the sale.

Internet Marketing Strategy

Bayshore is the Internet Marketing solution, providing a complete Internet marketing strategy, promotion of a nationwide advertising. We can help you create a website, get the results or upgrade your existing site’s functionality. Bayshore Solutions can help you effectively combine network marketing, promotional and advertising strategies, customer conversion visitors web design.Internet marketing is the same as traditional marketing, others are not. Here are seven things you need to know your online marketing is successful. When you write Xu copy, you should take the time to understand what works and what does not. There are two mistakes almost every amateur search engine copywriting.Successful non-profit organizations use the Internet to market charitable program.To help companies improve their digital marketing results, I also had in-depth, widely praised and won the AOP Award for best practice, publisher e-consultancy Guide.Internet marketing is very challenging, and there will be, you need an expert search engine marketing services to beat your competition in the traffic wars. Please consider our search engine optimization company with the help of your project. Free quote service search engine optimization, web design, pay per click advertising, search engine optimization and PPC series, search engine optimization training courses and online brand network analysis.Internet marketing is still essential to any business’s overall marketing strategy. Mentioned before with all the benefits of internet marketing, people still buy magazines, billboards went out to check to see their mail, watch TV, and shopping. No matter how fast-paced and wide internet of communication, people go out together, talking about going to the gym. Thus, while Internet marketing is absolutely valid and important, demising certain value of the cost of traditional marketing any business, many potential customers. Another thing, when we say that internet marketing, it is not only figures we choose to click on ads. The list also includes security, advertising, advertising social networks, groups, discussion boards and many others. Accordingly, the online marketing activities can effect the number of people exposed. However, one disadvantage is that people started to become one of the, and would even read the advertising information advertising or know (even people in the security list), and delete without opening them. When someone on the Internet, they would like to read / write e-mail, chat with friends, read and post / reply comments, play fun games. As a internet marketing goal is to build a top priority for Internet users. Also, try and spam and unsolicited e-mail and advertising, more and more people away from Internet advertising in general, unless they are some specific content. A variety of Internet marketing strategy is free and paid online marketing can make more money. 12-month Internet Millionaire Review – Russell Brunson is a 12-month millionaire fraud?. As the market one of the most controversial books, and now the Internet millionaire’s 12 months still constitute a major buzz everywhere. A great professional internet marketing make money online. Internet marketing can be a lucrative industry, if some big Internet-related skills and knowledge development to do so successfully. Must also identify and develop the necessary strategies to make money online. Pay per click advertising, online advertising and link exchange programs, is marketing, can be used to make the Internet industry to make money online there are some important programs.Internet marketing are not the result of a well-defined, integrated internet strategy; rather, they are a response to competitors activities or customers demand. Through the site has existed for more than a year, marketing staff and senior management will naturally question its effectiveness. This is usually the point in a coherent Internet marketing strategy needs to become apparent. As a result, starting in the sum of electronic marketing strategy, is when a company’s existing website, which is to review the existing site and its purpose is to improve the effectiveness of the future. There is no evidence that the development and implementation of a strategy to be significantly different approach to electronic marketing. Strategic planning for enterprise development or strategic marketing to comply with the established framework should still be. The framework provides a logical order to follow up to ensure that the strategic focus of all development activities included. It can be said, however, with the e-market strategy for a highly sensitive process of rapid response mode, the events in the market need. Soviet-style five-year planning application does not seem to fit, the best approach is a new process of electronic marketing strategy is a continuous improvement. Check fee (2002) pointed out that e-commerce or e-marketing strategy process models tend to agree with the following features:

There are many ways to market your product using a large number of online with Google AdWords or Yahoo’s Overture advertising network, eBay, members network, cost per click marketing. In addition, there are many second tier cost of sales and earnings per share network. You need to have a good network marketing strategy, using the Internet to provide online marketing tool. With Internet marketing company, will help you to get your website in search engine advertising and optimization services provided by many of the results, but eventually you need to determine what kind of network marketing will give you the best of a product line. It used to be you bought CPM (cost per thousand) in large-scale campaign Web site and hope that the good performance of these ads and get traffic to your website. Now, there are many choices, there is usually a for each event better than the other run. It appears that the use of network marketing the best way to get return on investment cost per click online marketing tool, the strategic point. Google AdWords and Yahoos Overture CPC programs have dominated the world of network marketing in the past two years, they only get bigger and stronger. Network marketing companies have sprung up to help beginners learn how to use AdWords and Overture to the best of their ability to rope. If you want to build a brand, then the cost per click will not be online marketing solutions. Instead of the online brand, you will go to a CPM campaign, is a straight line costs. The targeted ads, and now there’s online advertising spending is due to leave the television and radio have been gradually transferred to the Internet. Why do you want, if you are advertising with the radio or TV, you can actually track the individual results of the work online. We believe that many ad networks and affiliate program will gradually fade out in the next several years, while Google and Yahoo Zhudao even with their own, targeted search results and more per click advertising network. Internet changes quickly, any company want to optimize their online marketing presence needs to adapt and adjust to the latest technology.Network marketing is the three capacities: transport infrastructure, marketing, application development, marketing methods and permissions. Practical ability of the network in sports marketing when three similar shift manual gearbox, driving a car, both in mechanics.Internet marketing is the same where you live, because it is a global market.They do not have banner ads, because they are cheaper than print. In Facebook, because their children that they should be. If you start what you want for your site’s business focus and you concentrate all energy on helping to improve the preliminary results of this goal, Name of the Dong Xi you Keyi try, to see if they are how they work. Or you can look at things, said: “I do not see how it can help me achieve my goal. Now, if you ignore something, it is possible that they will actually become extremely important, and you ‘local employees realize that you made a mistake. but only the larger error is ignored, since you are overriding, or try to do everything hafway and accomplish nothing.Network Marketing is not just large budget or the entire company’s IT department. We have developed in Newfoundland and Labrador website, then who can appear in more effective competitors excluded from the market itself. We can do the same for you, to establish an online presence to support your other. This allows you all the seamless integration of marketing activities, you become a better profit growth in your site shooting. With complete Internet marketing strategy and a strong web site design, your company has the potential to become a global player., Kok River, some in Newfoundland and Labrador, or any other parts of the world community, asking them to do, they can help your web site design, as a money-making machines effective. We believe that your answer in Lorne Park and associated companies will seek to get you.Internet marketing is clear, the next question is usually, “Yes, but where I start?.” For new and existing customers a direct entry point. In the days passed, and when people want to find a business, they turned to the yellow pages. Today, your customers will find you on the Internet, if you are not there, they will turn to the next thing, they did find: 1,Network Marketing is your competitor doing? How do your competitors in the domestic major search engine rankings? What kind of traffic from their own site? Use the right tools, this valuable information can be found in your competitors.: What is it your product or service for the customer to resolve or do not provide any good? In what ways you can best illustrate this advantage? Clear and consistent information on the positioning of your products in the market based on a solid understanding is very important to all offline and online marketing efforts.: How much money can you get customers and still make a profit? What is each customer, you get the value of life expectancy? This is the answer you need to determine the effectiveness of any network marketing program running on key issues.Internet marketing is falling over themselves trying to shift dollars from offline to online marketing. I believe the idea is that network marketing will give them better to reduce the U.S. dollar in a tight economic returns. While it is certainly a solid strategy for mobile Internet, it pays to put it a little thought, the first: Verify your infrastructure. Offline dollars in your move to online, to ensure that you can actually use all of the online customer service. Do you have in place of? You can quickly adjust the landing page and website copy? No sense, if you put in to send visitors to a site, sucking money from online advertising. If you are from offline to online money like two weeks to generate a 5:1 return, reducing the Prozac and think twice to come back. The biggest mistake I see their budget, the company’s transformation, is that they think this is a line ‘run and do’ things. Marketers and their bosses think they can create a landing page or start a PPC campaign, and then forget about it for a month. And this cycle works in print or television, it will not work online. Line is highly, highly repetitive, and requires constant attention. So you save a lot of advertising money into the labor force.Characteristics of network marketing is definitely a good start in the Internet market, but if you do not know how to drive traffic to your site, these things will be wasted.Search Engine Optimization Senior Account Manager applicants must have at least the search engine optimization, link building, PPC 3 years of experience, and can hit the ground running. Intelligence and ability to work proactively without supervision is necessary, you should be able to work on project management. You also must be able to communicate with customers the highest level of search engine optimization. Sales useful, but not necessary, because this ability is the main strategy and client management role. We are a small busy Swiss institutions and roll up their sleeves and complete the work is essential. The way we work, we are very flexible, but this is a full-time position at our headquarters in Bristol, England, Bristol in the UK so you must be near or on, such as bathing, Swindon, Chelten Burnham, Gloucester.

Internet online marketing experts found in the blog, webmaster forums and online publications. com, where you can learn about the latest Google updates the new method can make money website. Acetylcholine maravilla is the President and Chief Executive Officer powerhomebiz. One on entrepreneurship, in order to step by step information.Internet marketing is just too numerous to mention in this article. If you access the Internet value-added services, web savvy, you will see how much of this marketing can increase your business type.Network marketing is online marketing, network marketing, network marketing. Internet marketing is very important, but the madness of growth with social media, I strongly recommend listening skills is to know how to do twitter, Facebook and YouTube. Many marketing media, relying on the three to take home the bacon only. The building is a long list of network marketing, a necessary component of success. List building simply means that a user list, you can communicate regularly via e-mail. In order to start building a list, you first need to establish what is called a capture page. Pages, your visitors will be asked to provide some free gifts, to share their names and e-mail. It can be a free report, e-books, video or presentation software. Many merchants also offer free electronic can receive daily early bird tips and notifications.In today’s competitive (and noise) market, we must combine all the right online marketing tools, to create a truly effective and comprehensive marketing program. All, of course, is up and around the central site, but to create opportunities, improve customer response, increased brand awareness, the site of the network through a comprehensive marketing strategy, including search engine optimization, PPC, social media tools to support marketing, and so on.Linked network marketing ideas and technology and business strategy design, development, Internet advertising and marketing. Search engine marketing, email marketing, display advertising, affiliate marketing, display advertising, blog marketing, display advertising, viral marketing. Internet marketing is the media running along the different stages of customer engagement cycle through search engine marketing, search engine optimization in a specific site, e-mail marketing and Web 2, banner ads. Network marketing has become more and more organizations use to promote the network media key and very effective. ‘The establishment of a website’ or ‘promotion site’ is the foundation, but not the basis of network marketing.Somewhere behind that website is a real goal, the real organization. Internet marketing strategy includes all of the online advertising products and services, including market research, email marketing, websites, and direct sales.

When You Tell People How To Make Money Online They Question It

For the longest time the Internet would scare people away when it came to earning money. They felt they could not handle the process. More and more people are trying to earn money online than ever before. Much of this can be attributed to the economy that has been struggling throughout the world. Even if you tell people how to make money online many times that still will not help. You think telling people how the process works is all you would need to do. The truth is many times it never works out for some people. Here is why for some making money online can be a real tough proposition.Getting a check from the Internet is something millions have never enjoyed, but just as many have. The lure of being able to sit in front of your computer and earn money is what keeps people coming back. One thing that many people fail to realize and that is earning money online is a real job and not some game. It is hard work and many times tougher than an offline job you may have.

It is easy to lose focus when you come online for the very first time. People who have never tried to earn money online are star struck by all the opportunities that are available. With the world being your marketplace you have many different options. The key is not to lose your focus which many people do and that stops them from earning money.After a few weeks or months online people tend to go their own way. Advice that is given is not use and they prefer to show people they need no one. This is a big mistake because the learning curve online can be very lengthy. By not taking advice it will just take longer to earn living online.For people who think they need no money to earn online better get that out of their head. No matter what you do online many times you may need to put in some of your own money. Yes there are success stories that started with nothing, but those are rare.

You can be successful online, but it is not going to happen overnight. You must pay your dues and work hard for everything you get. We all would like instant success, but for most it does not happen that way. It is a process that will take time so bear that in mind.Anyone can tell people how to make money online, but the success will depend on many different factors. The key to online success is never give up and take all the advice that is given. You may not use it all, but it never hurts to listen to successful people.

Finding the Right Assistance For Your Technical Translation Service Needs

You are about to embark on your quest of testing the accuracy of personal document translation services and technical translation services that several nearby translation firms brag about. Since you have just received a Russian research journal from your colleague in Russia, and you plan to use it as a direct reference for the study you are making for your masters class, you want to make sure that you will get your money’s worth from the translation job you will be submitting to a translation firm. Of course, you wanted to find the right assistance to address your translation needs. So what do you need to do first, before you submit the research journal for intensive translation? Below are some tips to help you find the right translation firm to satisfy your needs:

Ask for a portfolio or look into what services a translation firm could provide. A company portfolio usually summarizes what a company is capable of doing for its clients. Thus, a translation firm’s portfolio should include the services they provide their clients and customers, what particular field do they specialize in, as well as vital information on what type of documents they usually translate. These are important things to be included in a translation company’s portfolio so that clients could be properly guided on what services they should avail, and help them decide whether or not they should entrust their documents to be translated to this company.

Look out for testimonials and satisfied clients who could attest to the credibility of a translation firm. To further help you in finding the right translation company to assist you in your translation needs, you need to search for testimonials of satisfied clients of these translation service providers. These testimonials will help you analyze which among these translators provide the best services and perks, so that you could decide on which to choose. Also these testimonials will give you insights on what translation jobs are usually provided to these companies and help you evaluate whether you will go to one of these translation firms or not.

Try out their service by providing them a simple job order. If there are no testimonials regarding the capability of these translations firms to provide personal documents translation services and technical translation services, then you might as well test their capabilities by using simple translation job orders. If you have the finances and the time to individually test the capabilities of these institutions through a trial and error method, you will be properly guided in finding the best translation firm able to provide you the level of service you require.

Look at the qualifications of the hired translators. By looking at the qualifications and skills of the translators of a company, you could readily see which field they excel in. This will help you evaluate and compare whether or not your document for translation is in line with the expertise of the company, so as to assure you that you will eventually get the best translation results.

By simply using these four steps, soon you will find the right translation service, either technical or personal documents, that will fit your own requirements and translation specifications, to get only the best results that correspond to your money’s worth.

Insurance Law – An Indian Perspective

INTRODUCTION”Insurance should be bought to protect you against a calamity that would otherwise be financially devastating.”In simple terms, insurance allows someone who suffers a loss or accident to be compensated for the effects of their misfortune. It lets you protect yourself against everyday risks to your health, home and financial situation.Insurance in India started without any regulation in the Nineteenth Century. It was a typical story of a colonial epoch: few British insurance companies dominating the market serving mostly large urban centers. After the independence, it took a theatrical turn. Insurance was nationalized. First, the life insurance companies were nationalized in 1956, and then the general insurance business was nationalized in 1972. It was only in 1999 that the private insurance companies have been allowed back into the business of insurance with a maximum of 26% of foreign holding.”The insurance industry is enormous and can be quite intimidating. Insurance is being sold for almost anything and everything you can imagine. Determining what’s right for you can be a very daunting task.”Concepts of insurance have been extended beyond the coverage of tangible asset. Now the risk of losses due to sudden changes in currency exchange rates, political disturbance, negligence and liability for the damages can also be covered.But if a person thoughtfully invests in insurance for his property prior to any unexpected contingency then he will be suitably compensated for his loss as soon as the extent of damage is ascertained.The entry of the State Bank of India with its proposal of bank assurance brings a new dynamics in the game. The collective experience of the other countries in Asia has already deregulated their markets and has allowed foreign companies to participate. If the experience of the other countries is any guide, the dominance of the Life Insurance Corporation and the General Insurance Corporation is not going to disappear any time soon.
The aim of all insurance is to compensate the owner against loss arising from a variety of risks, which he anticipates, to his life, property and business. Insurance is mainly of two types: life insurance and general insurance. General insurance means Fire, Marine and Miscellaneous insurance which includes insurance against burglary or theft, fidelity guarantee, insurance for employer’s liability, and insurance of motor vehicles, livestock and crops.LIFE INSURANCE IN INDIA”Life insurance is the heartfelt love letter ever written.It calms down the crying of a hungry baby at night. It relieves the heart of a bereaved widow.It is the comforting whisper in the dark silent hours of the night.”Life insurance made its debut in India well over 100 years ago. Its salient features are not as widely understood in our country as they ought to be. There is no statutory definition of life insurance, but it has been defined as a contract of insurance whereby the insured agrees to pay certain sums called premiums, at specified time, and in consideration thereof the insurer agreed to pay certain sums of money on certain condition sand in specified way upon happening of a particular event contingent upon the duration of human life.Life insurance is superior to other forms of savings!”There is no death. Life Insurance exalts life and defeats death.It is the premium we pay for the freedom of living after death.”Savings through life insurance guarantee full protection against risk of death of the saver. In life insurance, on death, the full sum assured is payable (with bonuses wherever applicable) whereas in other savings schemes, only the amount saved (with interest) is payable.The essential features of life insurance are a) it is a contract relating to human life, which b) provides for payment of lump-sum amount, and c) the amount is paid after the expiry of certain period or on the death of the assured. The very purpose and object of the assured in taking policies from life insurance companies is to safeguard the interest of his dependents viz., wife and children as the case may be, in the even of premature death of the assured as a result of the happening in any contingency. A life insurance policy is also generally accepted as security for even a commercial loan.NON-LIFE INSURANCE”Every asset has a value and the business of general insurance is related to the protection of economic value of assets.”Non-life insurance means insurance other than life insurance such as fire, marine, accident, medical, motor vehicle and household insurance. Assets would have been created through the efforts of owner, which can be in the form of building, vehicles, machinery and other tangible properties. Since tangible property has a physical shape and consistency, it is subject to many risks ranging from fire, allied perils to theft and robbery.
Few of the General Insurance policies are:Property Insurance: The home is most valued possession. The policy is designed to cover the various risks under a single policy. It provides protection for property and interest of the insured and family.Health Insurance: It provides cover, which takes care of medical expenses following hospitalization from sudden illness or accident.
Personal Accident Insurance: This insurance policy provides compensation for loss of life or injury (partial or permanent) caused by an accident. This includes reimbursement of cost of treatment and the use of hospital facilities for the treatment.Travel Insurance: The policy covers the insured against various eventualities while traveling abroad. It covers the insured against personal accident, medical expenses and repatriation, loss of checked baggage, passport etc.Liability Insurance: This policy indemnifies the Directors or Officers or other professionals against loss arising from claims made against them by reason of any wrongful Act in their Official capacity.Motor Insurance: Motor Vehicles Act states that every motor vehicle plying on the road has to be insured, with at least Liability only policy. There are two types of policy one covering the act of liability, while other covers insurers all liability and damage caused to one’s vehicles.JOURNEY FROM AN INFANT TO ADOLESCENCE!Historical PerspectiveThe history of life insurance in India dates back to 1818 when it was conceived as a means to provide for English Widows. Interestingly in those days a higher premium was charged for Indian lives than the non-Indian lives as Indian lives were considered more risky for coverage.

The Bombay Mutual Life Insurance Society started its business in 1870. It was the first company to charge same premium for both Indian and non-Indian lives. The Oriental Assurance Company was established in 1880. The General insurance business in India, on the other hand, can trace its roots to the Triton (Tital) Insurance Company Limited, the first general insurance company established in the year 1850 in Calcutta by the British. Till the end of nineteenth century insurance business was almost entirely in the hands of overseas companies.Insurance regulation formally began in India with the passing of the Life Insurance Companies Act of 1912 and the Provident Fund Act of 1912. Several frauds during 20′s and 30′s desecrated insurance business in India. By 1938 there were 176 insurance companies. The first comprehensive legislation was introduced with the Insurance Act of 1938 that provided strict State Control over insurance business. The insurance business grew at a faster pace after independence. Indian companies strengthened their hold on this business but despite the growth that was witnessed, insurance remained an urban phenomenon.The Government of India in 1956, brought together over 240 private life insurers and provident societies under one nationalized monopoly corporation and Life Insurance Corporation (LIC) was born. Nationalization was justified on the grounds that it would create much needed funds for rapid industrialization. This was in conformity with the Government’s chosen path of State lead planning and development.The (non-life) insurance business continued to prosper with the private sector till 1972. Their operations were restricted to organized trade and industry in large cities. The general insurance industry was nationalized in 1972. With this, nearly 107 insurers were amalgamated and grouped into four companies – National Insurance Company, New India Assurance Company, Oriental Insurance Company and United India Insurance Company. These were subsidiaries of the General Insurance Company (GIC).The life insurance industry was nationalized under the Life Insurance Corporation (LIC) Act of India. In some ways, the LIC has become very flourishing. Regardless of being a monopoly, it has some 60-70 million policyholders. Given that the Indian middle-class is around 250-300 million, the LIC has managed to capture some 30 odd percent of it. Around 48% of the customers of the LIC are from rural and semi-urban areas. This probably would not have happened had the charter of the LIC not specifically set out the goal of serving the rural areas. A high saving rate in India is one of the exogenous factors that have helped the LIC to grow rapidly in recent years. Despite the saving rate being high in India (compared with other countries with a similar level of development), Indians display high degree of risk aversion. Thus, nearly half of the investments are in physical assets (like property and gold). Around twenty three percent are in (low yielding but safe) bank deposits. In addition, some 1.3 percent of the GDP are in life insurance related savings vehicles. This figure has doubled between 1985 and 1995.A World viewpoint – Life Insurance in IndiaIn many countries, insurance has been a form of savings. In many developed countries, a significant fraction of domestic saving is in the form of donation insurance plans. This is not surprising. The prominence of some developing countries is more surprising. For example, South Africa features at the number two spot. India is nestled between Chile and Italy. This is even more surprising given the levels of economic development in Chile and Italy. Thus, we can conclude that there is an insurance culture in India despite a low per capita income. This promises well for future growth. Specifically, when the income level improves, insurance (especially life) is likely to grow rapidly.INSURANCE SECTOR REFORM:Committee Reports: One Known, One Anonymous!Although Indian markets were privatized and opened up to foreign companies in a number of sectors in 1991, insurance remained out of bounds on both counts. The government wanted to proceed with caution. With pressure from the opposition, the government (at the time, dominated by the Congress Party) decided to set up a committee headed by Mr. R. N. Malhotra (the then Governor of the Reserve Bank of India).Malhotra CommitteeLiberalization of the Indian insurance market was suggested in a report released in 1994 by the Malhotra Committee, indicating that the market should be opened to private-sector competition, and eventually, foreign private-sector competition. It also investigated the level of satisfaction of the customers of the LIC. Inquisitively, the level of customer satisfaction seemed to be high.In 1993, Malhotra Committee – headed by former Finance Secretary and RBI Governor Mr. R. N. Malhotra – was formed to evaluate the Indian insurance industry and recommend its future course. The Malhotra committee was set up with the aim of complementing the reforms initiated in the financial sector. The reforms were aimed at creating a more efficient and competitive financial system suitable for the needs of the economy keeping in mind the structural changes presently happening and recognizing that insurance is an important part of the overall financial system where it was necessary to address the need for similar reforms. In 1994, the committee submitted the report and some of the key recommendations included:o StructureGovernment bet in the insurance Companies to be brought down to 50%. Government should take over the holdings of GIC and its subsidiaries so that these subsidiaries can act as independent corporations. All the insurance companies should be given greater freedom to operate.
CompetitionPrivate Companies with a minimum paid up capital of Rs.1 billion should be allowed to enter the sector. No Company should deal in both Life and General Insurance through a single entity. Foreign companies may be allowed to enter the industry in collaboration with the domestic companies. Postal Life Insurance should be allowed to operate in the rural market. Only one State Level Life Insurance Company should be allowed to operate in each state.o Regulatory BodyThe Insurance Act should be changed. An Insurance Regulatory body should be set up. Controller of Insurance – a part of the Finance Ministry- should be made Independent.o InvestmentsCompulsory Investments of LIC Life Fund in government securities to be reduced from 75% to 50%. GIC and its subsidiaries are not to hold more than 5% in any company (there current holdings to be brought down to this level over a period of time).o Customer ServiceLIC should pay interest on delays in payments beyond 30 days. Insurance companies must be encouraged to set up unit linked pension plans. Computerization of operations and updating of technology to be carried out in the insurance industry. The committee accentuated that in order to improve the customer services and increase the coverage of insurance policies, industry should be opened up to competition. But at the same time, the committee felt the need to exercise caution as any failure on the part of new competitors could ruin the public confidence in the industry. Hence, it was decided to allow competition in a limited way by stipulating the minimum capital requirement of Rs.100 crores.The committee felt the need to provide greater autonomy to insurance companies in order to improve their performance and enable them to act as independent companies with economic motives. For this purpose, it had proposed setting up an independent regulatory body – The Insurance Regulatory and Development Authority.Reforms in the Insurance sector were initiated with the passage of the IRDA Bill in Parliament in December 1999. The IRDA since its incorporation as a statutory body in April 2000 has meticulously stuck to its schedule of framing regulations and registering the private sector insurance companies.Since being set up as an independent statutory body the IRDA has put in a framework of globally compatible regulations. The other decision taken at the same time to provide the supporting systems to the insurance sector and in particular the life insurance companies was the launch of the IRDA online service for issue and renewal of licenses to agents. The approval of institutions for imparting training to agents has also ensured that the insurance companies would have a trained workforce of insurance agents in place to sell their products.The Government of India liberalized the insurance sector in March 2000 with the passage of the Insurance Regulatory and Development Authority (IRDA) Bill, lifting all entry restrictions for private players and allowing foreign players to enter the market with some limits on direct foreign ownership. Under the current guidelines, there is a 26 percent equity lid for foreign partners in an insurance company. There is a proposal to increase this limit to 49 percent.The opening up of the sector is likely to lead to greater spread and deepening of insurance in India and this may also include restructuring and revitalizing of the public sector companies. In the private sector 12 life insurance and 8 general insurance companies have been registered. A host of private Insurance companies operating in both life and non-life segments have started selling their insurance policies since 2001Mukherjee CommitteeImmediately after the publication of the Malhotra Committee Report, a new committee, Mukherjee Committee was set up to make concrete plans for the requirements of the newly formed insurance companies. Recommendations of the Mukherjee Committee were never disclosed to the public. But, from the information that filtered out it became clear that the committee recommended the inclusion of certain ratios in insurance company balance sheets to ensure transparency in accounting. But the Finance Minister objected to it and it was argued by him, probably on the advice of some of the potential competitors, that it could affect the prospects of a developing insurance company.LAW COMMISSION OF INDIA ON REVISION OF THE INSURANCE ACT 1938 – 190th Law Commission ReportThe Law Commission on 16th June 2003 released a Consultation Paper on the Revision of the Insurance Act, 1938. The previous exercise to amend the Insurance Act, 1938 was undertaken in 1999 at the time of enactment of the Insurance Regulatory Development Authority Act, 1999 (IRDA Act).The Commission undertook the present exercise in the context of the changed policy that has permitted private insurance companies both in the life and non-life sectors. A need has been felt to toughen the regulatory mechanism even while streamlining the existing legislation with a view to removing portions that have become superfluous as a consequence of the recent changes.Among the major areas of changes, the Consultation paper suggested the following:a. merging of the provisions of the IRDA Act with the Insurance Act to avoid multiplicity of legislations;b. deletion of redundant and transitory provisions in the Insurance Act, 1938;c. Amendments reflect the changed policy of permitting private insurance companies and strengthening the regulatory mechanism;d. Providing for stringent norms regarding maintenance of ‘solvency margin’ and investments by both public sector and private sector insurance companies;e. Providing for a full-fledged grievance redressal mechanism that includes:o The constitution of Grievance Redressal Authorities (GRAs) comprising one judicial and two technical members to deal with complaints/claims of policyholders against insurers (the GRAs are expected to replace the present system of insurer appointed Ombudsman);o Appointment of adjudicating officers by the IRDA to determine and levy penalties on defaulting insurers, insurance intermediaries and insurance agents;o Providing for an appeal against the decisions of the IRDA, GRAs and adjudicating officers to an Insurance Appellate Tribunal (IAT) comprising a judge (sitting or retired) of the Supreme Court/Chief Justice of a High Court as presiding officer and two other members having sufficient experience in insurance matters;o Providing for a statutory appeal to the Supreme Court against the decisions of the IAT.LIFE & NON-LIFE INSURANCE – Development and Growth!The year 2006 turned out to be a momentous year for the insurance sector as regulator the Insurance Regulatory Development Authority Act, laid the foundation for free pricing general insurance from 2007, while many companies announced plans to attack into the sector.Both domestic and foreign players robustly pursued their long-pending demand for increasing the FDI limit from 26 per cent to 49 per cent and toward the fag end of the year, the Government sent the Comprehensive Insurance Bill to Group of Ministers for consideration amid strong reservation from Left parties. The Bill is likely to be taken up in the Budget session of Parliament.The infiltration rates of health and other non-life insurances in India are well below the international level. These facts indicate immense growth potential of the insurance sector. The hike in FDI limit to 49 per cent was proposed by the Government last year. This has not been operationalized as legislative changes are required for such hike. Since opening up of the insurance sector in 1999, foreign investments of Rs. 8.7 billion have tipped into the Indian market and 21 private companies have been granted licenses.

The involvement of the private insurers in various industry segments has increased on account of both their capturing a part of the business which was earlier underwritten by the public sector insurers and also creating additional business boulevards. To this effect, the public sector insurers have been unable to draw upon their inherent strengths to capture additional premium. Of the growth in premium in 2004-05, 66.27 per cent has been captured by the private insurers despite having 20 per cent market share.The life insurance industry recorded a premium income of Rs.82854.80 crore during the financial year 2004-05 as against Rs.66653.75 crore in the previous financial year, recording a growth of 24.31 per cent. The contribution of first year premium, single premium and renewal premium to the total premium was Rs.15881.33 crore (19.16 per cent); Rs.10336.30 crore (12.47 per cent); and Rs.56637.16 crore (68.36 per cent), respectively. In the year 2000-01, when the industry was opened up to the private players, the life insurance premium was Rs.34,898.48 crore which constituted of Rs. 6996.95 crore of first year premium, Rs. 25191.07 crore of renewal premium and Rs. 2740.45 crore of single premium. Post opening up, single premium had declined from Rs.9, 194.07 crore in the year 2001-02 to Rs.5674.14 crore in 2002-03 with the withdrawal of the guaranteed return policies. Though it went up marginally in 2003-04 to Rs.5936.50 crore (4.62 per cent growth) 2004-05, however, witnessed a significant shift with the single premium income rising to Rs. 10336.30 crore showing 74.11 per cent growth over 2003-04.The size of life insurance market increased on the strength of growth in the economy and concomitant increase in per capita income. This resulted in a favourable growth in total premium both for LIC (18.25 per cent) and to the new insurers (147.65 per cent) in 2004-05. The higher growth for the new insurers is to be viewed in the context of a low base in 2003- 04. However, the new insurers have improved their market share from 4.68 in 2003-04 to 9.33 in 2004-05.The segment wise break up of fire, marine and miscellaneous segments in case of the public sector insurers was Rs.2411.38 crore, Rs.982.99 crore and Rs.10578.59 crore, i.e., a growth of (-)1.43 per cent, 1.81 per cent and 6.58 per cent. The public sector insurers reported growth in Motor and Health segments (9 and 24 per cent). These segments accounted for 45 and 10 per cent of the business underwritten by the public sector insurers. Fire and “Others” accounted for 17.26 and 11 per cent of the premium underwritten. Aviation, Liability, “Others” and Fire recorded negative growth of 29, 21, 3.58 and 1.43 per cent. In no other country that opened at the same time as India have foreign companies been able to grab a 22 per cent market share in the life segment and about 20 per cent in the general insurance segment. The share of foreign insurers in other competing Asian markets is not more than 5 to 10 per cent.The life insurance sector grew new premium at a rate not seen before while the general insurance sector grew at a faster rate. Two new players entered into life insurance – Shriram Life and Bharti Axa Life – taking the total number of life players to 16. There was one new entrant to the non-life sector in the form of a standalone health insurance company – Star Health and Allied Insurance, taking the non-life players to 14.A large number of companies, mostly nationalized banks (about 14) such as Bank of India and Punjab National Bank, have announced plans to enter the insurance sector and some of them have also formed joint ventures.The proposed change in FDI cap is part of the comprehensive amendments to insurance laws – The Insurance Act of 1999, LIC Act, 1956 and IRDA Act, 1999. After the proposed amendments in the insurance laws LIC would be able to maintain reserves while insurance companies would be able to raise resources other than equity.About 14 banks are in queue to enter insurance sector and the year 2006 saw several joint venture announcements while others scout partners. Bank of India has teamed up with Union Bank and Japanese insurance major Dai-ichi Mutual Life while PNB tied up with Vijaya Bank and Principal for foraying into life insurance. Allahabad Bank, Karnataka Bank, Indian Overseas Bank, Dabur Investment Corporation and Sompo Japan Insurance Inc have tied up for forming a non-life insurance company while Bank of Maharashtra has tied up with Shriram Group and South Africa’s Sanlam group for non-life insurance venture.CONCLUSIONIt seems cynical that the LIC and the GIC will wither and die within the next decade or two. The IRDA has taken “at a snail’s pace” approach. It has been very cautious in granting licenses. It has set up fairly strict standards for all aspects of the insurance business (with the probable exception of the disclosure requirements). The regulators always walk a fine line. Too many regulations kill the motivation of the newcomers; too relaxed regulations may induce failure and fraud that led to nationalization in the first place. India is not unique among the developing countries where the insurance business has been opened up to foreign competitors.The insurance business is at a critical stage in India. Over the next couple of decades we are likely to witness high growth in the insurance sector for two reasons namely; financial deregulation always speeds up the development of the insurance sector and growth in per capita GDP also helps the insurance business to grow.

School Security – Reviewing Your Options

University, College and School SecurityFirst, our heart goes out to the family, friends and my niece at Virginia Tech.Consultant vs. SalespersonWhen you have a security related problem, where do you go for answers? Many people turn to a security salesperson. This salesperson may offer a service like security guards or a product like security alarms. To receive total security protection, it is best to speak with a security consultant and not a security salesperson. A consultant can advise you in all areas, where a salesperson can only advise you on products or services their company offers.ConsultantA security consultant is a person trained in many areas from communications to alarms. They can review, advise and provide solutions to many problems. If you have a security problem, you first need to speak with a security expert. After you receive options, then you can seek out a security salesperson that meets your requirements. Never go to a salesperson first. This is where 99% of the public makes a mistake. If you want to buy a car, would you talk with a tire salesperson?A consultant will visit your location, conduct a detailed inspection and create a full report on their findings. Such a report might include things like employee habits, ease of access, landscaping problems, communication weakness, visual needs, and much more.To get the full picture of your security needs and solutions to correct problems, you need an expert in many areas. A security consultant can provide you with options and sources to meet your requirements.Consultants may also review details like placement of camera’s, types and needs for lighting or security film on glass. They can also review things like emails related to threats, student interaction and area warning systems.A consultant will promote their background and your needs in all areas, where a salesperson will only promote their product or service as related to one or two areas.Salespeople are Not ConsultantsSecurity SalespersonA security salesperson is a person which offers a product or service that their company sells. Many times, this is the extent of their job. Some salespeople are just starting in the business and lack the knowledge. Some salespeople have been in the business and have a limited amount of knowledge. Then you may encounter the expert salesperson. This type of salesperson will make you think that their product or service will be the answer to all your problems.Now, we do not want to put down security salespeople, as they do play a major part in the security industry. You as the customer need to understand that a security salesperson may only be able to talk about their product or service. Many states have different requirements for consultants and security salespeople. Ask to see your salesperson’s state security id. If the id says consultant and sales, then they can consult. If it just says sales, then they can just sell.There is no single solution to security at a location. No salesperson should ever advise a customer that their product or service will cure all. Just because you were sold camera’s does not mean a person can not break in a window. Just because you were sold an alarm system does not mean your student’s cars will not be damaged. For good security, you need to look in all directions, not just one or two.There are more security salespeople than are security consultants. Many salespeople try to act like a consultant, but a consultant will not act like a salesperson. A salesperson will sometimes be given a basic level of training, where a consultant may receive years of training in many subjects. A security consultant is many times former military or a former police officer. A security salesperson could have been a golf pro the day before. I have seen all types.Before you risk lives and property, you need to check out your security advisor. Ask your local police department to review the advice given by your security expert. Most of all, understand that good security will require several solutions.Good Luck!P.S.Yes, there is a former golf pro out there selling electronic security system to business sites in our area. So just because they sell it, does not mean they know it. Check them out and forget the business BS they feed you at times.Human ErrorWho is watching? You may have camera’s or guards protecting your site. One of the biggest problems with security is human error. People tend to sleep on the job, play on the job, look the other way or even think an event is not important enough to report. This is wrong and should be corrected.Lives and property are protected by people that make just above a basic wage. Many of these people have limited education and skills. Many of these people do not care about you, your people or your property. Face the facts, these people are there for the paycheck and that’s it.Do you know what a real security expert makes per year? A real security expert makes on the average over $100,000 a year. A real security expert will use their former training to protect you and your property. A security guard makes on the average about $8 per hour or about $8,000 per year. They will use their one day training to protect you and your property.

Which would you rather have protecting you and your property? Why would you cut cost to protect lives so important to others? Real security will cost. There is an old saying; “You get what you paid for”.ProtectionThe best level of security you can have is to hire off duty police officers to work at or patrol your location. An off duty officer still has full arrest powers and knows how to handle many types of problems. Speak with your local police department for more information.The next option you have is to hire Conservers of the Peace (COP). These are special police officers approved by the court system in your area. The officer has full arrest powers, but is limited to covering a single area. This area can be your site or even a city block.You could use armed security officers. These officers have limited arrest powers. They may be able to arrest if; (a) on your site only, (b) with owners permission, (c) with security company’s permission, (d) approved by the state. This option puts great risk on the property owner for legal damages if things go wrong.Last option is to use an unarmed security officer. This is the worst thing you can do if you are looking for security. An unarmed security officer is acting as a regular person. Many state do not allow them to make an arrest. They are good only for id checks, to open a door or to give someone directions. Many companies will use unarmed security guards because they are cheap. Then the company will complain when they have security related problems. You get what you pay for!Related ProblemsSecurity related problems may include: Lazy people, Sleeping on the job, Looking the other way, Failure to report all events, Tampering with equipment, Stealing from property owners, Giving out secure information, Thinking it’s a joke, Failure to follow SOP, Leaving the site without approval, Unprofessional toward employee’s and guest and much more.GuardsSecurity company’s will enter into a contract with a business or site. The contract may require people to sit at the site and monitor events. The contract does not state how much training a person needs. It does not state how long a person has been in the industry. It does not state how much sleep the person got the night before working. Because many security contracts do not reflect these areas, a security company will put just about anyone on the site.I have seen security guards be interviewed on the spot, be given a reading test, handed a uniform that did not fit and placed on a site to work that night. The security company’s only requirement is to keep the proper number of bodies on a site. They could care less if the person knew anything or not. It’s business and profits to them.If you contract or hire guards, you need to test them. Once a month, you should have someone unknown to them, try to get past the guards and then follow the trail. Did the guard stop the person? Did the guard report the events? Were the proper people notified? Test like this can help imporve your security and force guards to become ready for a real event.Another method you need to use is monitoring. You need to link any camera’s to a private location. This can be your office or the internet. Once every few days, look in on the camera images and then call a guard. Tell them they did a good job checking an id or let them know you were watching and just wanted to say they were doing a good job. This does two things for you. One thing it does is let the guards know you are watching them and the other thing it does is lets them know they are doing things right.Last thing you should do is watch the outside of your building. Many guards think they are out of camera view and will try to do things they should not do. Some will go to their vehicle and sleep, some will meet a friend outside and chat for an hour or so. Other will try to sneak things out or into the building. Watching outside once a week will let you know what is really going on at your location.One company I know had a problem with missing laptops. They advised the guards to check each person with a laptop to see if they had approval to remove it from the building. After a week, the guards relaxed on their duties. The owner then had someone enter the building, pack up all the laptops on one floor and hide them inside the building. When the guards checked the floor, they noticed all the laptops were gone. The owner then advised he was the one whom hid the laptops to prove a point. After that event, there were no more missing laptops. Sometimes you have to scare the guards into doing their job.InstallersYou may be having an alarm or camera system installed. Do you know if the installer is legal? Many company’s fail to check out their installers. They think the security company has done their job and the person is ok. This is the wrong way to think. This is your building, your security or camera system, your protection against crime, why would you not check out everyone.The state and federal agencies check out everyone connected to the installation or service of their security equipment. They look at the company, the salesperson all the way down to the person pulling the wire. You should do the same thing.When it comes to a security equipment installer, many installers must pass a background check conducted by the state. Once a person is approved by the state to install security equipment, the state will issue them a security id. The installer is required to carry the id anytime they are installing.As the property owner, you can check out to see if the installer is legal or not by asking to see their state security id. They are required by law in many states to show the id when requested by the property owner. If they refuse or give you some lame excuse, then call the police. A police officer can check to see if the person is approved by the state to install security equipment.Now, you may say “Why do I need to check their id?”. Some companies will use unlicensed or unregistrated people to install systems when the workload is high. Others will use illegal contractors to cut cost. Giving out secure information or information related to a customer’s security system, to an unapproved person is against the law in many states.This shady person can get your security code, learn placement of devices, learn when you are there and much more. They may return later to clean you out. Always check to see if the installers are legal. Do not trust the security company’s word. I have seen some top security companies use illegal contractors to install security equipment.The ReviewThe first thing you should do is walk off your property about 20 feet. Turn around and look. You need to make notes as to what you see. Are there trees blocking the view from a police car driving by the site? Are there items laying around that can be used as weapon? Is all the lighting working? What else do you see wrong?Doing things like this is called a security check. This should be done once a week. Keep records of any changes made by your staff.You can start with adjusting shrubs and trees. This is one of the biggest problems. People hide behind them, they have done this for 50 years and will continue to do so in years to come. Do not help them out. Never install a high shrub fence near a doorway. Keep all tree branch’s about 10 feet away from the building.Pick up any items laying around. Have all ladders stored away and secured after being used.Wait until dark and check all outside lights. Look for dark areas near the building and any parking areas. If using camera’s, you may want to install IR spotlights.You want to look at the windows and doors. Are there broken windows? Are doors left open? Are people holding doors open for others? Have locks been improved and are they being used? Is there security film on the windows or glass areas?Look at the parking area. How far does one have to walk to get to their vehicle? Do security officers walk people to their car? Do you offer a mobile security patrol unit to tour the outside of the building?Do you need to install barriers to direct vehilce or human traffic in another direction.Hidden CamerasAre there strange people sitting around outside watching your building? Are there people using video cameras?Have you conducted a RF video sweep for hidden cameras. Visitor’s and students can install hidden video cameras inside your school and learn when you enter an area. Some students install or even wear hidden cameras to record illegal images of women undressing. Do the sweep, you may be surprised at what you find.A simple wireless video receiver is connected to a small handheld monitor. Walk to an area and tune the receiver from one end to the other, very slowly. Watch the monitor to see if you get a picture. If you get a picture, then use the image to id the location. Do not remove the camera. Wait to see who goes to check the camera. That should be the person whom installed it. Once you id the installer, then you can contact the police.Monitor internet traffic at your school. Many people know about the internet, but there are only a few of us whom remember the newsgroups on the back of the internet. Some students will post threats and other information on these newsgroups. Have your computer expert install a keyword monitoring system. This will alret you when special keywords are used on your computers.Threats by CellphoneStudents have turned to making threats by cellphones. This can be a threat toward another student or to the school. Place signs up that restrict cellphone use while on school property or during main school hours. Talk with students about getting threats by cellphone, let them know you are there to help.There are so many areas outside of a building, that relate to security. Speak with a security consultant for advice.EquipmentThe list of equipment that can be used is very long. On the outside you can install IR Beams to alert you of people walking near a building or use hidden microphone’s to hear someone walking across the grass. You can use motion activated camera’s to see movement or install thermo sensors to pick up a person’s body heat.

You can look at the option of driveway sensors, air pressure sensors, contact sensors under door mats, grounding sensors on handrails and even use sensors that detect body odor.For the inside, you have camera’s, door contacts, card readers, bio sensors, pressure mats, glass breaks, microphone’s, heat sensors, changing air pressure sensors, motion sensors, IR beams, microwave sensors, RF sensors and many more.Think FirstA security consultant can review your site and provide you with options. We have listed just a few things that may improve security at your school. Each location is different and should be reviewed on it’s own merit. Once you have the list of corrections that are needed, you can then contact a security salesperson in that field.Other areas to consider are computer security, area horns, paging systems, panic button keychains for insturctors, RF taging system for instructors and students location while on the property, cellphone 211 notification system, emergency locking system for inside doors, able to lock classroom doors, security doors or safe rooms, classroom emergency phone system, microphone’s in classroom ceiling, outside emergency video patch for police.You may also want to use an RF remote command control center. This is a wireless unit worn on the arm or held in your hand. You can open doors, view camera’s, lock out card readers, lock doors and more, all from up to 1/4 mile away from the site. It is a system used in some jails to take back control of a command center if taken over by inmates.Always look into and report any person or students that you consider a threat to others. Set up your own security team. Update your SOP to meet today’s students and technology. Spend the money for a consultant. They may save you money in the end. No site, not even a jail is 100% secure. You can only do your best and that is all anyone will ever ask of you. Do not go the cheap route, it may cost someone their life.Read more at http://www.securitytoday.netAbout MeI just wanted to share some of my knowledge with everyone and hope you have learned something. I write a weekly magazine at http://www.securitytoday.net for anyone interested in learning more.Over 15 years in the sales, design, install and service of electronic systems. Background in secure communications, electronic security systems, cctv, matv, card access, fiber optics, Bio systems, fire, professional audio/ video, gate controls, wireless devices, RF uplink/downlink and more.Most recent major position was to repair security systems for 40 locations to include a bridge and 2 tunnels damaged by the attacks of 9/11 in NY/NJ. I was picked out of over 10,000 people for the contract due to high skill level in many areas. This contract was funded by an emergency act of Congress. I then worked to design a new electronic security system to withstand future attacks.I provided supporting design for a $10 million electronic security proposal for British Airways property at JFK airport.I was requested to sit in on the first phase for the restructure of nationwide airport electronic security, under a new TSA contract with Lockheed Martin in Virginia, USA.I have been a major installer on high security jails in Virginia.I have built a broadcast station for the US President at a military post and linked it back to the White House.I installed a broadcast TV station for the US Coast Guard in NC, USA.I was former communications coordinator for World Cup Soccer ’94 in Florida and before that I was a Secure Communications Expert with the US Army, teaching and repairing major communication systems.I have several awards from the US Pentagon and the military for new inventions.I am willing to work under contract with your site to review your need of electronic system improvements.I am CEO of Young Media Group, LLC and produce several publications and video’s related to the electronic security industry and music industry.Visit www.securitytoday.net or www.youngmediagroup.net [http://www.youngmediagroup.net]

Outdoor Activities For the Family

Spending time outdoors enjoying family activities with your children is one of the best ways to pass a day. There are fun family outdoor activities that you can take part in year round. Doing things with your children in this way offers unique opportunities to communicate and reconnect while also having fun.Planning fun family outdoor activities takes a little preparation. It’s best to talk with your family and find out which activities they would enjoy, then plan outings accordingly. Medical conditions have to be a consideration also. A child with allergies probably won’t enjoy a walk in the woods as much as the rest of the family. You have to take everything into account so the whole family enjoys the activity.

There are quite a few outdoor activities to choose from. Here are some you might want to consider:o Boating: If you do have a family member with allergies, you might consider boating as an outdoor family activity. With boating you don’t have tree and flower allergens to deal with.o Hiking: Going for a hike is a great outdoor activity for the whole family. You can take traditional hikes in the woods of your local state parks, go to military parks and use the hike as an educational tool, or even go to botanical gardens and caves for day hikes. Hiking is an activity that you can partake in most any time of the year if your state doesn’t have bad winters. Just make sure you and your children have the appropriate clothing and gear.o Swimming: A day spent swimming at the lake is probably the ultimate fun family outdoor activity. Children love splashing around in the water, and going to the lake is usually a fairly inexpensive activity which is good for your wallet.o Fishing: Get the kids and the fishing gear together and head out to catch the big one. Fishing is a sport that everyone can enjoy. They even have pink fishing poles for little girls these days to make them more interested in the activity. Fishing offers great opportunities for reconnecting for the whole family. Sitting on the creek bank, or in the boat, waiting for the fish to bite, is the perfect time to ask about each other’s day.

o Skiing: During the winter months the family can go skiing together. Everyone can start out on the bunny slopes together while they learn the ropes. Being on top of the mountain and looking out at the vast horizon and beauty surrounding you is one of the best feelings in the world.Those are just a few ideas to get you started. There are numerous outdoor activities that families can enjoy. Being together is the most important thing. Spending time doing fun family outdoor activities will improve relationships, develop bonds that last a lifetime, and keep everyone active. Make outdoor family activities a part of your life.

Sedation Dentistry: It’s Important to Understand Different Types of It

One of the biggest reasons for people to avoid any visit to a dental clinic is the fear of the equipment. Now let me tell you something – The dental professional which you will choose is qualified enough and has years of experience. They will never perform any procedure (surgical or non-surgical) without any precaution. So for the purpose of surgical procedure dentistry has a new development called sedation dentistry. The information present in this article is for you to understand that sedation dentistry is safe and really important.Honestly you must not have heard much about sedation dentistry but it has been in existence since a really long time. There is one sedation dentistry technique which is being since 1840s till date. In this technique your dentist will use Nitrous Oxide popularly known as laughing gas. Furthermore the use of ether in general sedation was introduced in the dentistry vertical by a Welsh Student.

Sedation Dentistry is apt for those patients who have the tendency of feeling anxiety when they have to undergo a dental treatment. Sedative can be used for any sort of dental treatment whether it is surgical or simply tooth whitening and cleaning. So basically sedation dentistry helps a patient to relax and feel nothing while undergoing a dental treatment. At times this procedure is referred to as sleep dentistry however the fact is that even though sedatives are applied patients are still awake.Sedation Dentistry involves four levels:• Minimal: Where-in the patient is awake but is completely relaxed.
• Moderate: You won’t remember every detail and step of the procedure but you might speak in a dizzy tone.
• Deep: Not completely awake and not completely unconscious.
• General: You will be completely unconscious.This form of dentistry is categorized into four types. These types have been mentioned below:• Inhaled minimal: Here you will be breathing in laughing gas or Nitrous oxide. The gas is inhaled in combination with oxygen through a mask. It helps in relaxing your entire body and nerves.• Oral: You will be given a pill an hour before the procedure will start. The sedation can range from minimal to moderate depending upon the total dose. The effect will be that you will feel drowsy but will still be awake. You might even sleep but can be awaken by a little shake.• IV moderate: You will receive this sedation through a vein. The effect is quick.• Deep: This will make your body completely unconscious. You won’t wake up unless the effect of sedative subsides.Apart from all these sedatives that are being used you will also receive a local anesthesia. This will help in numbing the area where your dentist will perform the procedure.

As mentioned before sedation dentistry is best for those who anxiety problem. This problem prevents them patients from visiting the dental clinic. The other reasons why sedation dentistry is best for you are:• You cannot tolerate pain
• You can’t sit at the dentist’s chair
• Tooth Sensitivity
• You gag too soon
• Some major dental problems to be fixed in terms of surgery.You need to tell your dental professional that you suffer from any of the above listed problems. After gauging the dental problem he/she will then decide whether you will undergo sedation dentistry or not. They will also decide the type of sedation which is right for you.There is no harm in looking into sedation dentistry. You must know that a dentist who is performing this procedure is someone who understands your problem and is ready to work with you.