How To Read an Insurance Policy

If the word insurance makes people's eyes glaze over, the thought of reading an insurance policy puts them into a catatonic state. Just as understanding the basics of insurance is not difficult, neither is reading an insurance policy.

First of all, insurance policies nationwide bid to be complied of standard boilerplate language – this is to keep apples with apples and oranges with oranges through all insurance companies and all types of insurance. This boilerplate language also pretty much steers away from typical "legalese" so all words within the policies is plain and simple. Boilerplate forms does not mean that all policies are the same – they are not – but like coverages, etc., are explained in the same way so if you can read one policy, you can reasonably read another.

The first place you should start is with the Declaration Page , commonly referred to as the " Dec Page ". In fact, if you do not get any further than this, this part of your policy is very important for you to be familiar with for all the reasons. What is the "Dec" page? The Dec Page is a summary of what your policy is providing for you and includes your policy number, the specific named insured, the effective and expiration date of the policy, what is being covered, how much it is being covered for, what it is costing you in total and per individual coverage, your agent's name and contact information and will show any loss payee (lien-holder) if applicable. If this is an automobile policy, the Dec page will also list the vehicles and drivers being covered. In short, the Declarations Page is a wealth of information that you should give some study to until you feel comfortable with it. This accomplishment alone will make you feel more enlightened in regards to what your insurance policy is all about.

The next step is to look at every heading in the policy, one by one. You will see things like Agreement, Definitions, specified Coverages, Insuring Agreement on the specified Coverage, Exclusions, Limit of Liability, Out of State Coverage, Other Insurance, etc. These are not scary words, right? Two very important sections are Definitions and Exclusions – found in various places in the policy and if you do not go over any others, you need to read these. Definitions will tell you who is considered an insured, etc., and the information listed will remove assumptions from your thinking and clarify what is what. Exclusions are assumption busters, as well. It is not written in Greek and you really need to know what exclusions apply to your policy. Ignorance is not bliss when you have a claim!

Too often, too many of us buy insurance for the lowest premium. Let's use an auto policy as an example. People buy what is mandatory by the state (and by the bank, if the vehicle is financed) and look only at the premium. With the cost as the only focus, these people have no clue what their policy does cover. Then they have a loss that is not covered because they did not elect to take the particular coverage that would apply and they are angry.

The solution to this frustration is to READ YOUR POLICY. Know what covers you have elected and what they are for; know the exclusions under your policy; know your responsibilities to the company in the event of a loss. Failure to know these things will most assuredly result in disappointment and unnecessary frustration in the event of a claim.



Source by Finley Jones Keller

Evaluating Managed VPS Hosting

A virtual private server, or VPS, is leasing space and resources from a physical server to suit your web design or web programming needs. Leasing out space on a physical server to others is a cost effective way of opening the online community to those who are not independently wealthy. Owning a physical server is a large investment in both time and resources. These pieces of hardware cost thousands of dollars and require regular maintenance to ensure their proper functioning. Typically, the resources needed to own a private web server are beyond what many people can or will pay for the luxury of operating their own.

A better option is leasing or buying a virtual private server. This entails contacting a host, typically the owner of the physical server. Leasing a virtual space from them allows you to have access to a virtual machine. For all intents and purposes, this virtual machine functions identically to a physical server. You are given a range of tools and options that lets you interact with this digital construct. In this way you have access to the features of a server without having to maintain the hardware.

Furthermore, leasing server space works very much like renting an apartment. If something goes wrong you have the superintendent to call. A managing host for a virtual private server acts as this superintendent. However, this is not always the rule. Because you own this virtual server, you may be responsible for the complete upkeep of it. Nevertheless, should there be a problem with the main hardware server, some sort of onsite power failure of crash, technical support is usually forthcoming.

A further advantage to using a virtual private server is that you are isolated and compartmentalized away from other users. It is common that the space of a physical server is leased out to dozens or more other parties. Some servers offer shared hosting or free hosting. This is where all the other lessees share a common pool of resources. Such sharing can often hamper performance should you have high requirements.

One final caveat for a hosted web service is that although you have full control over your data and can interface with your virtual server you are not in full control. The host typically has control over each virtual private server. This is done to ensure consistent quality and prevent potential problems from arising should a user create configuration issues through unusual preferences or if the user is not technically savvy. Still, renting space via a virtual private server through a hosted web service is still a great way to be digitally active with only a fraction of the cost.



Source by Nova Johanson

The Collapse of Enron: Managerial Aspects

Executive summary

Its revenues made up US $139($184) billion, assets equaled $62($82) billion, and the number of employees reached more than 30,000 people in 20 countries around the world.

While Enron Corporation was so highly praised by the outside observers, internally it had highly decentralized financial control and decision-making structure, which made it practically impossible to get coherent and clear view on corporations’ activities and operations. Of course, the problem was not exclusively due to poor managerial performance, all the departments of the corporation were involved in the ruining corporate ethical values and principles, but executives and managers bear primary responsibility for the absence of corporate culture, clear accountability and transparence of the company. If operations management worked properly, in its full force, and if it was given possibility to work in such a way, there could be a chance of escaping the tragedy.

Enron Corp brief history

Enron Corporation was one of the largest global energy, services and commodities company. Before it filed bankruptcy under chapter 11, it sold natural gas and electricity, delivered energy and other commodities such as bandwidth internet connection, and provided risk management and financial services to the clients around the world.

Enron was based in Houston, Texas, and was founded in July 1985 (though company with Enron name emerged still in 1930 (Swatz, Watkins, 2003)) by the merger of InterNorth of Omaha in Nebraska, and Houston Natural Gas. Enron Company quickly developed from merely delivering energy to brokering energy futures contracts on deregulated energy markets. In 1994, the company started to sell electricity, and in 1995, it entered European energy market. By the middle 2001, Enron employed about 30,000 people globally (McLEan, Elkind,2003).

Questionable accounting methods and techniques provided Enron with possibility to be listed as seventh largest United States company and was expected to dominate the market which the company virtually invented in the communications, weather and power securities (Bryce, 2002). But instead the corporation became the largest corporate failure in the global history and an example of well-planned and institutionalized corporate fraud. Enron became wealthy due to its pioneering marketing and promotion of power and communications bandwidth services and risk management derivatives, including such innovative and exotic items as weather derivatives.

In 1999, Enron launched an initiative of buying and selling access to high-speed Internet bandwidth, and also Enron Online was launched as a Web-based trading site, making Enron e-commerce company. In 2000, the reported revenues of the company made $101 billion. It had stakes in almost 30,000 miles of gas pipelines, either owned or accessed 15,000 miles of fiber-optic network and had stakes in global operations on generating electricity (Thomas, 2002).

In the result, for five years in a row, from 1996 to 2000, Enron was named “America’s most innovative Company” by Fortune magazine, and headed the list of Fortune’s “100 best companies to Work for in America” in 2000. Enron reputation was undermined by rumors on bribery and political pressure with the objective of securing contacts in South and Central America, Philippines and Africa. The Enron was blamed to use its connections with Clinton and Bush administrations to express pressure in their contracts. The events were followed by a series of scandals involving irregular accounting methods bordering on fraud which involved Enron and Arthur Andersen accounting firm and led Enron on the verge of undergoing the largest bankruptcy in economic history in November 2001 (Emshwiller, Smith, 2001).

Since Enron was always considered a blue chip stock, the bankruptcy was a disastrous and unprecedented event in the global financial world. Enron’s downfall was definite when it was found out that a considerable share of its profits resulted from deals with so-called special-purpose entities, limited partnership under control of Enron. It resulted in the possibility of not reporting many of the company’s losses in its financial statements. The final plan of Enron’s bankruptcy included creation of three new businesses which would be spun off the company.

The reorganization process started in 2003 with the creation of three companies – CrossCountry Energy, Prisma Energy International, and Portland General Electric. CrossCountry Energy was sold to CCE Holdings L.L.C., with the money to be used for the repayment of the debts, while Prisma Energy International and Portland General Electric should emerge as independent companies descendant of Enron (Swatz, 2003).

Operations management scope of functions

To understand the reasons of this bankruptcy and the level of managerial implication in the quality performance of the company, particularly that of operations management, it is necessary to outline the main functions of operations management and impact it should have of functioning of the organization.

The principal task of operations management is effective transformation of inputs into “desired outputs” of the company (Shafer, 1997). The outputs are traditionally understood in manufacturing and profit-making context within the organizations. But recently it has been recognized that operations management is a discipline which is not limited with such narrow functions; it can be deployed in practically any area where the organization aims at achieving its objectives (Barnett, 1996). For instance, non-profit or public sectors have to learn to optimize their internal operations and processes in the situation of limited resources; service companies come to conclusion that by reappraising their delivery process they can revolutionize and significantly improve their approach to manufacturing companies and their marketplace. Robin Wood (2001) gives the example of such operations management implication in Daewoo company, which understood that it can specialize and differentiate its product by adding definite bundle of benefits to its product which includes additional supporting services. Operations sector is the heart of these changes that are made by leading companies to improve their performance and increase customer base.

The survival of commercial company depends on ability of the organization to focus and shape its operational resources to meet the expectations of its stakeholders: customers, employees and shareholders, expressed in organizational strategy (Russel, 1995) . Irrespective of economic sectors the company operates in, the ability of operations management of this company to fulfill those above-mentioned tasks depends on their understanding that it is necessary to make trade-offs. They cannot avoid the situation of working under constraints and have to understand their capabilities and constraints to provide significant inputs into strategic decision-making process involving further resources of the organization.

Operations managers in the organizations are not empowered to make strategic decisions, but they play important role in shaping the organization’s strategy and contribute to the strategic thinking ( Pasternack, Viscio, 1998). Operations managers should be able to translate strategic aims and objectives into clear operational objectives and actions and to implement, design and improve the products of the company themselves and the processes of their delivery. They have to know how changes incorporated to external factors influence the operation and how changes in one aspect of the operating system influence other aspects.

Also, operations managers need to know how technological changes impact organization’s capability of delivery, and to incorporate their conclusions into strategic process (Peters, Waterman, 1982). Therefore, the heart of operations thinking includes the ability to think dynamically and systematically across time and space (Miller, 1998). Besides traditional tasks of operation management, new perspectives and objectives emerge connected with the emergence of new trends and developments of operations management, such as total quality management, shop floor control, global supply chain management, manufacturing planning software, and others.

Total quality management has become one of the most important developments of the operations management. The quest for higher level of products and services quality is caused by the globalization of markets, on the one hand, and increasing litigation over service or product failure. The relationship between quality and market share performance is doubtless. Those firms that fail to understand the issue of quality find themselves on the bottom of their industry hierarchy. A significant share of the responsibility for quality standards rests on the operations manager. Global supply chain management is another very important component of operations management. The world economy is becoming more global than ever. Looking for lower production costs, more flexibility and local risk reduction, companies are seeking to outsource and produce services and products on global scale (Heizer, 2004). Operation managers are responsible for fulfilling the task. Project management is yet another task of the operations management department. Operation managers bear responsibility for numerous projects which range from considerable capital projects to specific ones such as installation of new information system.

Effectively managing projects involves fulfillment and delivery them in timely manner and within the budget (Stevens, 2001). In a word, operations management is indispensable component of the organization, since it fulfills numerous important functions of the company. Operations manager handles daily running and functioning of the organization.

The implication of poor managerial performance for the collapse of Enron Corporation

Now it is necessary to find out and analyze whether operations management of Enron Corp performed all the functions mentioned above and what was the quality of their activity.

The Enron did have operations management department, which, according to their official source, fulfilled the following functions: setup accounts and notify utilities, agency agreement from customer, verify the format of invoice, setup invoice data transfer, test algorithms of invoice and file transfer to the customer, determine the reporting requirements of the customer (Enron Energy Services, 2000). As it is seen from the source, the functions of very operations management department are very limited. There are other management departments which perform the functions of operations management stated above: operations facility management, commodity management, energy asset management, financial operations, and capital management. Though, most of functions performed by these departments, according to the source, are purely executive and lack integration, systematic vision, responsibility, control and creative aspect. Besides limited scope of functions assigned to operations management in Enron Corporation, another important point concerns the quality of their performance and overall corporate culture and atmosphere created within corporation. As it was mentioned above, ideally, the functions of operations management include creating ethic values, integrity, competence and clear accountability within the organization. Enron’s management failed to comply with these tasks.

Read the full version of this article here.



Source by Anastasia Kurdina

Naked Yoga for Autofellatio and Autocunnilingus – Joining Ancient Practices With Modern Science

Naked Yoga is a form of erotic Yoga that originally implied that the participants would perform Yoga sans clothing. This type of Yoga was presented in a “class” structure, not unlike other forms of the art, where numerous people would perform their positions in the nude.

This artistic endeavor became most noticeable in the 1960s with the “flower power” movement; at this time, too, an interest in “naturism,” or nudist camps, also became increasing popular in the Western world.

This was the second time that Yogic practices became popular in the West. The first time was in the 1920s and 1930s and was of major interest and exploration to the occultists. Not so much for the exercise/stretching forms of the art, but more for occult-power enhancement and enlightenment through meditation. To this day, one of the best books on the subject is from Aleister Crowley entitled, Eight Lectures on Yoga, from 1939. It is an especially interesting book for the beginner, as it simplifies many of the concepts and procedures. For example, this is the only example I have seen, in book form, that acknowledges that people can use a chair for meditation. This approach is clearly helpful for men and women who have spinal problems which would shy them away from typical Yogic postures due to pain. Many of Crowley’s other manuscripts deal with other forms of this art form, too.

Now the third resurgence of these ancient practices has, once again, crept into the West. Places to practice Yoga seem to be popping up all over the place these days. Everything from Power-Yoga to Naked-Yoga to just about anything that strikes your interest. The “naked” form seems to have become more popular than ever before, with people all over the Western world taking part in these gatherings of self-expressive nudity, exercise, and relaxation.

This leads us to autofellatio and autocunnilingus, as they are inevitable extensions of Yogic practice. It’s doubtful that any Yogi has failed to ponder the possibility of self-sex through oral stimulation of his own penis (auto-fellatio) or oral stimulation of her own vulva (auto-cunnilingus). Nor have people who have witnessed these extensive, seemingly near-impossible, and highly exotic body positions, failed to wonder if these forms of auto-sexuality could, indeed, be performed.

The answer to the curious on-looker, is that these forms of stretches can certainly help men and women perform these intimate sexual acts. Not only that, but other technical applications, using modern-day physical therapeutics and understanding proper stretching techniques and procedures, can help people more than ever before accomplish these wondrous abilities. Thanks to modern science and ancient practices, people now have the opportunity to explore this form of self-gratification much easier than the generations before them.



Source by Kimi Kalfino

Anatomy of Foreclosure Fraud

Here is the simple anatomy of foreclosure fraud.

An individual would take out a loan in order to purchase a home. Unknown to the individual at the time, the bank would have already lined up a purchaser to buy the loan along with a bunch of other loans from the same time period.

The purchaser would enter into a "Pooling and Servicing Agreement" with a couple of other purchasers, which called for the creation of a Trust. One of the other purchasers in the Agreement would become the "trustee." The original lender was supposedly to deposit the mortgages into the trust. Often MERS was designated as the virtual warehouse for the mortgages.

This was where the problems began. At the time that the purchaser bought the mortgages from the original lender, it did not know where that particular loan was going to end up. So, although it paid money for the mortgage, often times the lender did not sign it over to the purchaser right away. Instead, they would wait to find out where the loan was going to go with the intent of signing it over later. This was because the mortgages often changed hands many times before the attempt to deposit it into the trust was made. So at the time the purchaser paid the money, they never actually got any loans. All they got was a spreadsheet with a list of mortgages on it.

This claimed in nothing actually being deposited into the trust. Ideally, they were to go back after the deposit was done and have the lender assign the loans to the Trustee for the benefit of the trust. The problem was, for various reasons, the assignments never got made, so the trusts were empty

If the trusts were empty, it means that the servicer collecting mortgage payments on behalf of the trust, had no right to collect.

It also means that the securities Mortgage Backed Securities backed by these trusts were useless as well, and that the people offering to sell them may face liability to the investors in those securities.

To cover up the failure to properly convey the mortgages, MERS and the Banks got a document mill to forge a backdated assignment or allonge, or produce a false affidavit claiming that a proper chain of title exists and that the foreclosing entity has the right to foreclose , even though they do not. This is where the foreclosure fraud comes in.
Many people feel that they have no options other than to go along with what the bank tells them to do. It is important to realize that in most cases, the bank is NOT on your side. There are far too many instances of people being led to believe the bank was "working with them" only to find that the foreclosure was proceeding anyway.
If you have received a Notice of Trustee's Sale, you must act quickly to protect your rights. You DO have rights, but what good are rights if you are not aware of them or how to protect them?



Source by Bob Jung

Source of Pool Problems – Biofilms

If you think your pool water is clean and sanitary just because it looks clear, think again. Yes, you may have shocked the water and added algaecide and even maintained a good chlorine, bromine biguanide (Soft Swim or Baquacil) level, but you’ve only controlled about 1% of the bacteria in your swimming pool! Yes, just 1%. Where’s the other 99%? On every pool surface that you can or can not see. And most of those places are virtually impossible to reach. What now?

The more we deal with swimming pools and pool problems, the more we realize that we’re dealing with or treating symptoms rather than the root cause of the cloudy water, algae, scale build up, etc. As I’ve noted in other articles, there are a plethora of reasons for cloudy water from poor water chemistry to poor circulation to improper cleaning habits to environmental causes. And typically, these causes combine to create the problem.

As we look for the root cause, we see more and more that there are real “problems” that are often undetected. What do we mean? Have you noticed that there is a regular build up of film on the pool liner, up and down the walls or in the corners? If you are a regular brusher, the problem may not be as noticeable. How about when you take the filter apart for normal maintenance or cleaning and you see a whitish film on the inside of the tank or on the skimmer weir or skimmer body?

All of those films or slimes are what we call biofilms. In biofilms live the other roughly 99% of all pool bacteria. The 1% that is in the water is classified as “planktonic”. Like plankton or algae, planktonic bacteria free-floats in the water. That is the bacteria that your chlorine, bromine or other sanitizer can “easily” kill. The 99% in the biofilm can be quite another story and long-term headache. There is much information about biofilm from institutions around the world to back up my information to you. Montana State University’s Center for Biofilm Engineering is one of our key sources.

Biofilms in swimming pools can and often do lead to cloudy water, algae blooms, scale build-up on the heater (prevents efficient heating), and even corrosion (certain biofilms can have a pH of about 1.0 – very acidic) of any metal surface of the pool system including heaters, filter parts, ladders, rails, etc.

First, what is a biofilm? A biofilm is a film or large quantity of bacteria that is living in and as a vast colony in the microscopic world. In the “big” world, you could call a coral reef a “biofilm.” A biofilm is self-perpetuating and difficult to remove. Worst of all, biofilm love virtually any surface, especially wet or damp. But beware, even after drying out, the biofilm will not necessarily be dead but simply dormant. Did we mention that biofilms are relatively resistant to chlorine, bromine or other sanitizers?

Second, how do biofilms form? As just mentioned, biofilms form on any surface. In your pool that means the liner or the pool walls, bottom, ladder rails, skimmer baskets, ladder treads, filter tank bodies, pump bodies and impellers, directional returns (eyeballs), heater plumbing, and especially the piping. There is a 5 steps process as to the formation of biofilms: Attachment, Colonization, Protection, Growth, and finally what I call Distribution.

Attachment is just that; the bacteria attaches to the surface. It wants a place to call home and grow. Bacteria want to be in relationships, so that find a nice surface to settle down and join up with a few of their closest friends.

After attaching to the pool surface with their friends, colonization takes place as bacteria multiply and divide, growing in number. According to studies, it is at this crucial point that this attachment is “irreversible.” The bacteria colony is there to stay unless purposefully removed. This stage is typically accomplished in a matter of minutes or hours at most.

In the Protection stage, the bacteria colony or biofilm begins protecting itself against invasion. Invasion from environmental factors, “lethal” chemicals (such as chlorine or bromine), predators, anything that want to destroy it. In technical terms, the bacteria begins to excrete a protective coating called an “exopolysaccharide” film. The film is sticky or slimy and very hearty. Now the biofilm is ready to experience explosive growth.

Like a coral reef, the biofilm gets bigger and tougher. Super colonies of biofilm are actually absorbing certain chemicals that were meant to destroy them. The chlorine or bromine may kill the out layers of the colony that are more susceptible to chlorine or bromine, but as the chlorine or bromine is exhausted, the lower, stronger, better protected layers are still living and multiplying. The good news is that as the biofilm colony increases in size, it gets more “unwieldy” and begins to break apart. That’s also the bad news.

Now we come full circle and come to Distribution where these broken parts begin to attach to other surfaces or different parts of the same surface. And the cycle begins anew.

By the way, biofilms are everywhere. Pools, spas, bathrooms, kitchens, the funky look to your patio furniture, on your teeth (plaque is a biofilm), wherever there is a surface that can be damp. You can view a video on swimming pool biofilms at our blog by clicking on the link below.

Keep in mind that all biofilms are not bad. How? Some are being used in industrial situations to plug microfissures. But in pools ans spas, we don’t want them.



Source by Ronald Parrs

Debt Consolidation Can Be Essential to Your Credit Repair

Each on us has a particular financial position, and most of us have some kind of debt to return. It can mean both, the big home loan or a small credit card bills. It actually means that all of us depend on being approved for some kind of credit, without it our lives would be much harder and we would have to give up on lots of things we take for granted.

The real key to our credit status lies in our credit reports which are maintained and updated by credit bureaus. In case that you fall in to a default, or maybe miss on some payments, the credit bureau will be notified of this and it will go on your credit report. If thing like that happens your credit rating will drop and you’ll have much harder time getting a loan of any kind.

Even if you get it, the interest rates will be much higher then for good credit applicants. Successful credit repair includes lots of different steps, and is different for each of us. An excellent answer in terms of credit repair for most of us is debt consolidation.

When you begin your credit repair one thing is essential to your success and that is speed.

You have to move quickly. The first damage to your credit rating will be the first time you miss payments, but it will continue to worsen if you continue to do it. Huge number of people believes that ones credit is either good or bad and there is nothing you can do about it. Because of that most of them don’t even attempt to repair their credit.

However the truth is quite the opposite, no matter how bad your credit is you can begin to repair it by returning some of the debt you owe to your creditors. The more you return and faster, the better your situation is going to improve.

The usual problem with credit repair lies in lack of money which you could return to your creditors, The problem again, is that you probably don’t have the money you need to pay off the debts, after all, lack of money is probably the reason for your financial troubles.

Because of that debt consolidation can be essential in your credit repair efforts. Debt consolidation works by consolidating all of your debts in to just one loan. What this means is that if you have numerous debts with one company or many companies, you apply for just one loan which will cover all the others.

By doing so you’ll have only one loan to payback and that one loan will have significantly lower interest rates then the previous ones. Debt consolidation is going to provide you with financial breathing room, when your debt becomes unmanageable.

You should know that your debt will not be reduced in any way, but it will be stretched over a much longer time period and will result in drop of your monthly payments.

What is also very important is that debt consolidation will place you in much better standing with creditors. Your financial situation will not be perfect right away but immediately the creditors will notice that you have returned all your debts, and will report that to the credit bureaus. With that your credit repair will truly begin.

Debt consolidation can be one of the most important tools in your credit repair efforts. Reason for that is that it allows for a very fast change in your credit rank. You will replace bad relations with many creditors for good relations with just one.

If you act fast it can allow you to control the damage done to your credit status before it gets beyond repair and maybe pushes you in to bankruptcy. Because of that a debt consolidation can be one of the most important tools for your credit repair.



Source by William S Bailey

Benefits Of Computer Antivirus Software

Installing computer antivirus software on your computer is important. It can be the life saver of your PC and the savior of your important files and data. Therefore you must make antivirus a priority when it comes to the things installed in your computer.

The most important reason behind having computer antivirus software is for the protection of your gadget. Viruses are invaders that can breakdown your computer’s operation. It could destroy all vital data and disturb the operating system making your computer worthless. Viruses cannot easily access the central processing unit of your PC when you have protection software against these viruses. CPU is the brain and heart of your computer that is why it is imperative to have a protection gear against unwanted attackers.

Second reason in having computer antivirus software is to protect you from hackers. Hackers are people or group of people who illegally penetrate personal information such as bank accounts, credit cards and other related data. They use this personal info to gain access in someone’s financial activities, lend some money using others account and illicitly transact for someone’s behalf. Hackers are living viruses that you must avoid. Antivirus program prevents these people from making connections through your internet and even blocking unwarranted messages from coming in your emails.

Next benefit that you will gain from having this software is the cost efficiency of your unit. Although some antivirus is relatively costly, there are also wide arrays of free and downloadable software in the internet. Antivirus software can extend the life and usage of your computer by protecting the hardware and the operational software from harmful viruses. Even if you pay a higher rate in purchasing these commercial softwares, the benefit of having to enjoy your computer longer can go beyond the price that you spend. The efficiency is measured not on the price but on the quality of service you will have.

Convenience is the last benefit on this list. Computers that do not have an antivirus welcome hackers and viruses into the system, hence it will start to slow down. Invaded computers also have the difficulty in performing simple arithmetic operation and other logical function. With the help of computer antivirus software, your PC will retain its speed and accuracy. It is also easier to detect the presence of viruses by scanning the files, data or attachments before preceding other operations. User will be notified when the antivirus detects uncertain security on the files.



Source by Tony Pescatore

Traditonal Vs. Neo-Traditional Tattooing

Some say that there’s no difference between traditional tattoos and neo-traditional tattoos; though the differences are slight, they are still there. Traditional tattoos consist of dark heavy line strokes and solid colors. They are intentionally kept simple in design and use a limited color palette that consists of red, green, yellow, brown, and blue with little to no shading.

Tattoo culture at the time was very much fringe and on the outskirts of society, unlike the mainstream appeal and fine art credibility it has today. These sailors would get iconic images stamped on their body as a celebration of their service; only accomplished sailors that have been to far away lands and traveled a certain number of miles were able to get swallows, for example. Traditional tattoos were not customly created, rather they were just flash picked off walls.

“Traditional” adheres to specific imagery: patriotic symbols like eagles, ships, anchors, the American flag, daggers, pin ups, swallows and nautical stars. All of these symbols stemmed from classic sailor and Navy icons that were prevalent in the early 20th century when servicemen would return stateside and get tattooed.

Neo-traditional tattoos pay homage to the classic, timeless art form through the same techniques; bold lines and heavy color saturation with minimal shading and detail. However, the imagery and designs used are generally more diverse and the color palette used is more diverse. A purely “American” tattoo style, neo traditional has included candles, lighthouses, diamonds, coffins and other concepts and rendered them in a “traditional” fashion.

Not to be confused with “New-School”, a more cartoonish, exaggerated and colorful style of tattooing, Neo-traditional is a revival of the “Old-School”, a celebration of roots and origins.

The innate beauty that the traditional tattoo style offers appeals across all generations of enthusiasts; bold lines and solid colors tend to fade less, offering the longevity and long lasting quality that so many desire.

Aside from black and grey, traditional has proven to be the one of the only tattoo styles that stand the test of time, and will always have an audience to wear them. The beauty of traditional tattooing is just that; there will always be artists looking to recreate the classic tattoos and culture that helped pave the way and make the tattoo industry what it is today.

Today, artists like Myke Chambers are paving the new generation of professional traditional tattooers, elevating the art to a new frontier and keep tradition alive.



Source by Leo Gomon

Burial Rituals Among the Luos in Kenya

There are more than thirty tribal ethnics in Kenya. The two major ones are Luos and Kikuyus. The Luos are generally known in Kenya as a people who are seriously concerned with their burial place, far more than any other ethnic group. Growing up, I witnessed many burials including my own father. Details of the rituals differ for all the deceased, depending on the deceased sex and status in the society. A ritual is performed in certain, fixed ways to reflect how a particular death occurred, the good and bad deeds of the deceased, and the way the deceased and the ancestors performed the same rituals. There are some differences that reflect different areas.

For example, a young unmarried woman cannot be buried in her fathers’ homestead. The Luos believe that her unmarried spirit will follow other living girls in the village and make them not to be married also. This is changing with people who believe or practice Christianity. The Luos attitude towards their burial place evidently shows how they fear and respect the deceased ancestors. They perform more than ten kinds of different rituals for the deceased, largely held in their rural homeland in the face of ongoing modernization and urbanization in overall Kenya. People are still buried in the homestead. Graveyard are for people who do not have families or sojourners.

There was a long court struggle in 1986 of a prominent lawyer S.M. Otieno who was married to a Kikuyu lady and resided in the city center. Upon his death, his clan insisted that his body be transported to Nyanza his birth place for burial. His widow fought for several months for the body to be buried in Nairobi where they had lived most of their lives. The clan won and the Judge ruled on their favor after six months. S.M. Otieno was transported to the village for burial. His widow did not attend the burial because of some Luo rituals which she was not prepared to go through. It was largely through this court case that many Kenyans came to recognize and realize how deeply Luo people were preoccupied with their burial place. This is not a myth but a reality among the Luo tribe in Kenya.



Source by Betty Odak