Corrineandchriss

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

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

What types of skaters are there?

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

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

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

Are there stereotypes about skaters?

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

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

Today seniors can’t afford not to get moving! With all the hype around nutrition and exercise the aging population is well aware of the benefit of an active lifestyle.

Most seniors of the 55 plus group are keen to reap the rewards of healthy aging through a variety of activities. They are not newcomers to the gym so to speak. Most have kept active with some form of physical activity throughout their lives, whether it is hardcore workouts in the gym or a congenial round of golf on a summer’s afternoon. Women of this age group have also managed years of multi-tasking, most having juggled full time careers, while raising families and still found time to fit in some form of exercise. These women became well acquainted with aerobics, step classes, strength training and power walking. Also, stress relievers such as yoga and pilates were embraced to combat tension and fatigue. In many cases these activities were their salvation of an overly busy lifestyle.

It is only natural then, that these baby boomers are looking to continue their active lifestyle into retirement. Quite possibly, with the time constraints lifted at this stage in life, it leaves them to focus more sharply on their health and wellness.

A huge opportunity exists for gyms and programming facilities to cater to this senior market. The number of seniors is set to skyrocket in the next five to ten years and if gym operators are to jump ahead of this curve, they should set their marketing sights on appealing to and attracting this demographic.

How to go about this? What are seniors looking for when it comes to staying fit? Firstly it is important to see a visual image that they can relate to. Marketing success is all about seeing yourself in the picture, being that person who is strong, fit and beaming with energy. If a beautiful twenty something image is smiling back, then age becomes a handicap in the mind of the senior, derailing their good intentions, making them feel like they can’t compete. The perfect image that will empower the market they are trying to impress is an attractive fit senior pursuing the exercise of his or her choice. An ad such as this will pop with the 55 plus market, creating a role model with whom they can immediately identify and connect. Seniors like everyone else need to be able to put themselves into that ad campaign and honestly believe that it could be them looking out. This puts the wheels in motion for a positive mindset and a “can-do” attitude.

Seniors are only as old as they feel. Once again we come back to the mind-set, which is a very powerful tool. Boomers today are constantly fighting the aging stereotype that has depicted seniors in the past. Seniors in their sixties often look, act and feel ten to fifteen years younger than their actual age. Advertising should play up to this pretense which promotes this healthy reversal known as “turning back the clock”.

Another means of promoting fitness is to educate the senior who wants to get moving and who wants information as to how this will benefit them and enhance their life. They need to know the positives, what they can expect, and can look forward to as a result of embarking on the fitness journey that the marketer proposes. The campaign needs to encompass every aspect of their life, proving that properly presented, seniors will understand that an opportunity to change is being offered which will impact and alter their lifestyle. It’s within their reach, all that remains to be done, is to get out there, set realistic goals with realistic time frames and make it happen.

This brings us to another point. Marketers should focus on the enhancement of senior life overall, as a result of engaging in exercise and activities, rather than the promise that, if you join up you will achieve this enviable body or snag that hot date. The quality of life and the heightened enjoyment of everyday activities which seniors can have as a result of exercise need to be highlighted.

Marketing programs should also contain testimonials and feedback from actual seniors delighted with their progress and accomplishments, similar to that of “before and after stories of weight loss”. Seniors want to hear how it has enhanced and changed other people, who are just like themselves. They want to hear the successes, for example, how exercise lowered blood pressure, how strength training enabled other seniors to do more, how medication was reduced, how endurance was stretched. It all gives the feeling that anything is possible, if they can do it, then I can as well. It sends a message and an incentive to become a joiner.

Seniors often prefer to sample a program on a trial basis to see if it’s going to be the right fit for them. Offering special programs geared to this group is smart when limiting them to one or two classes. Fitness activities can be offered at many different types of senior living facilities. Places such as retirement communities and nursing homes already recognize the need and benefits of fitness and nutritional programs. Approaching these senior residences is an effective strategy of marketing to large groups of seniors. There are also many senior assisted living residences that do not have organized fitness classes or programs in place yet, but they will soon. Visit these places and offer a free class or program, if these programs are successful you will know that this appeals to seniors and if the need is strong enough to continue. This will help to target the senior market, zeroing in on what works and what doesn’t.

Marketers of fitness need to alter their sales approach to seniors. This age group is not impulsive and will appreciate a thorough, softer sell approach. Seniors need and want information and prefer patience. This in turn builds trust, instilling confidence in the senior contemplating buying a membership. It basically reaffirms that they are doing the right thing in taking this first step to join.

Seniors as consumers hold certain expectations that need to be met for fulfillment. As part of the packaging of the programming, seniors also need and crave socialization and to be part of the group. They need leadership, to have an instructor to safely guide them through the program, with an eye to protecting them from injury and awareness of ailments like arthritis and osteoporosis in the participants. They look for convenience, with minimal stairs and easy entry, or even better brought to their home. Lastly they want value and attention, to feel like they are progressing and that their state of well being is something that is noted.

As with any market, the sales approach needs to be geared to their age defined needs and preferences. In the year 2010 and in the coming years the greying of the boomers market will keep growing by leaps and bounds. There will be an even greater emphasis on slowing the effects of aging and possibly the reversal through movement and exercise. This, the marketers realize is what it’s all about at any age. Seniors, like everyone else, want to maintain a high quality of life and that definitely includes exercise to make it happen.

Digital Marketing is much like modern architecture in many ways. It is the way of the world and these guidelines are just a start to get your business off on the right foot. Mastering digital marketing isn’t a cakewalk. According to the Digital Marketing Institute, it is the required result of digital channels to promote or market products and services to consumers and businesses. It believed to be wavering these days as many companies that once used the old style of marketing are now going digital. It is essential in today’s world that a company which exists physically, must exist digitally as well. It is believed that existing digitally enhances advertising process. There exist a different and more approachable digital marketing tools like web designing, pay-per-click marketing, SMS, and email marketing. The following article will educate you in not one but many ways.

Direct marketing and advertising is an advertising in which companies offer physical marketing and advertising materials to consumers to communicate details about a service or product. Inbound marketing can likewise be an essential tool in the continuing retention of present customers, by creating communication with those customers and enabling business to engage with other customers by giving informative, educational result together with product promotions. While outbound marketing could reach a larger audience, additionally, it runs the danger of barring uninterested consumers also. If you prefer to do better marketing without harming your finances, direct marketing will probably be somewhat decent for you. Second, content promotion is a pull, instead of a push, strategy. To the contrary, it is a refreshingly new concept in marketing which provides a unique comprehension of consumer behaviour.

Content can typically be about a service or a product, it might be item, price, service charges or the selling of digital products like books, movies or software. It is something that helps in relaying old customers and thereby helps in pulling traffic from popular search engines. The very first and most crucial issue is quality content, try using attractive words that could connect nicely with readers. Step one on any advertising (or indeed, marketing) campaign needs to be to recognize the aims and goals of the campaign and the way they fit into the aims and goals of the business all around. Digital advertising and marketing campaigns will need to rely on these limits to be prosperous. Together with creating great advertising text (copy), you may want to study the way you can earn a corporation’s marketing campaigns visually appealing, through the usage of banners, images, videos and more.

Although these facts may be true, but sometimes it gets difficult to do all these techniques in the company. Therefore, known and recognized companies and firms may hire a digital marketing agency to do on behalf of them. Most renowned digital marketing agency may not only offer quality and dependable benefits, also they have a digital marketing and advertising strategist which may help plan the most helpful campaigns. To be successful in today’s day, companies need to continuously create new content that doesn’t only get them found but also lets them capture leads. Soon it won’t be enough for businesses to understand what you might want. All businesses wish to strengthen their relationship with clients and prospects. Now everyone is aware of what the business is shooting for. It is essential that businesses optimize their online properties effectively to be able to get to the top of the entire important search engine result page.

Even though many mistake digital for internet, to their surprise online marketing is only a part of the huge digital marketing framework. In a broader sense, the net is the centre of digital marketing. It has made easier for marketing managers to measure the results of a campaign. Since you can see the internet is by far not the only spot for marketers to assemble success, even in past couple of years. The web and the world have brought in an entire new perception of the advertising market. Thus, if you need to effectively advertise your business on the internet then seek the services of a renowned digital advertising company at the earliest.

Nearly everyone enjoys the different types of entertainment, and some people enjoy even more being entertainers. They want to become actors, comedians, dancers, singers. We used to go inside theatres after a hard day’s work to relax and see our favorite plays. But only in the last hundred years have we been able to record sound and pictures and to broadcast them through air. These improvements have brought fun and entertainment to every corner of the world and into most of our homes.

Technology has indeed made it possible for us to see entertainment in a new light. For one, technology has made it also possible for us to store our memories. Actors and singers long dead seem to come to life again every time their films or records are played. We can store a seemingly countless number of these records and films in CDs, hard drives and other storing devices like our computer. This makes it possible for us to entertain ourselves almost anywhere- at home, at the office, at the park, the bus; as long as we bring our devices with us. One can actually live without TV these days as long as one has a computer device and internet connection.

The world of entertainment has grown tremendously, and it can teach us as well as entertain us. Today, broadcasting is the most important form of popular entertainment. But now it is challenged by still newer inventions. Video playback and recording equipments make it possible for home viewers to buy or record their favorite shows. Many classic movies are already available for home viewing. This new equipment may encourage many viewers to spend fewer hours watching network offerings of situation comedies and action dramas. And now, we can record, transfer, and produce our own videos using cellular phones.

At the same time, the internet has revolutionized viewing habits in another way. The internet provides information on a lot of sources for movies, music, and other forms of entertainment. With internet connection, people can bring programs directly into their computer by doing downloads and many of these downloads are offered for free. Not only does it provide entertainment but we can even do some transactions like when you want to buy stun guns online.

The internet offer entertainment on almost all particular interests- music, news, and special information such as stock markets, weather, and social networking. These sources are made available to us faster than ever, as fast as the stun gun effects.  We can update on news even before they get broadcasted on TV through the different websites on the internet.

Never in recorded history have Entertainment and arts been so important in the lives of so many people. Modern inventions such as the internet have put nearly every person within reach of music and drama all day, every day, at home, and away from home. The internet has also made it possible for people not just become viewers but also the performers themselves as they are able to upload their own videos on different sites. The future of entertainment and arts is taking shape through technology and the people themselves.

 

Advertising is a form of mass communication with the public. It is usually one sided i.e. from the company to the buyer/potential user of the product. It is a form of communication that typically attempts to persuade the potential customers to purchase or consume more of a particular brand of product/services. As rightly defined by Bovee, “Advertising is the non-personal communication of information usually paid for and usually persuasive in nature about products, services or ideas by identified sponsors through the various media.”

Advertising an important tool of communication is use to promote commercial goods and services, it can also be used to inform, educate and motivate the public about non-commercial issues such as AIDS, Don’t drink and drive, Polio, Save water, electricity, animals and trees etc. “Advertising justifies its existence when used in the public interest – it is much too powerful tool to use solely for commercial purposes.” – Attributed to Howard Gossage by David Ogilvy.

Advertising is most effective with products that can be differentiated from similar products based on consumer accepted quality difference. Tom Egelhoff has classified advertising in 6 types, i.e. for company image, name brands, advertising service instead of a product, business-to-business advertising, co-op advertising and public service advertising. Television, Radio, Cinema, Magazine, Journal, Newspaper, Video Game, Internet, Billboard, Transit Cards, Sandwich Board, Skywriting are the different mediums used to deliver the message. The companies choose the method according to the cost, budget, target audiences and their response. However, word of mouth advertising/ personal recommendations is an unpaid form of advertising which can provide good exposure at minimum cost.

Various new forms of advertising are growing rapidly. One of them is Social Networking Advertising. It’s an online advertising with a focus on social networking sites and use of the internet/ World Wide Web in order to deliver marketing messages and attract customers. The other is E-Mail advertising; E-Mail Marketing is often known as “opt-in-email advertising” to distinguish it from spam. “I believe ‘credibility’ is one of the biggest issues yet to be addressed by Internet advertisers. Everyone has their eye on ‘privacy’ as a critical concern, but credibility will be far more enabling or disabling to website profitability. A company can have a web presence and, unless the brand name is familiar, consumers have no way of knowing whether it’s a big company, a small company, an honest company, or a single scoundrel. I may be worried about my personal data being disclosed in violation of my privacy, but I’m far more concerned about whether or not the person or company with whom I’m dealing is reputable. Can I believe their claims? Will I have a recourse if something is wrong with the merchandise? Credibility no longer is strictly a brick-and-morter issue. I can’t judge someone by their place of business, when I conduct that business on the Internet. I can’t grasp a hand and look into their eyes to judge their veracity. Credibility is a huge issue.” – Jef Richard.

For a message to be effective keep it short, simple, crisp and easy to absorb. It is essential to translate the products/services offer into meaningful customer benefit by advertising and to build awareness and generate response. REMEMBER: – THE AIDA MODEL -ATTENTION, INTEREST, DESIRE AND ACTION.

In the modern scenario, most of the companies outsource their advertising activities to an advertising/ad agency which is a service business dedicated to creating, planning and handling advertising and sometimes also performs other forms of promotion like public relations, publicity and sales promotion for its client. Departments of the advertising agency includes: – The Creative Department (who creates an actual advertisement), Account Service (who is responsible for co-ordinating the creative team, the client, media and the production staff), Creative Service Production (here the employees are the people who have contacts with the suppliers of various creative media), Other department and Personnel. (like public relations). As said by David Ogilvy once that the relationship between a manufacturer and his advertising agency is almost as intimate as the relationship between a patient and his doctor. Make sure that you can life happily with your prospective client before you accept his account.

Thus, I would conclude by the famous words of Bruce Barton (1955), “Advertising is of the very essence of democracy. An election goes on every minute of the business day across the counters of hundreds of thousands of stores and shops where the customers state their preferences and determine which manufacturer and which product shall be the leader today, and which shall lead tomorrow.”

 

In any Listing Agreement there is a point in time when the agency relationship ends.

A Listing Agreement, as it is widely known, is none other than a contract between the rightful titleholder of an interest in land (the ‘Principal’) and a duly licensed real estate firm (the ‘Agent’), whereby the firm stipulates and agrees to find a Buyer within a specified timeframe who is ready, willing and able to purchase the interest in land that is the subject matter of the contract while acting within the realm of the authority that the Principal confers onto the Agent, and wherein furthermore the titleholder stipulates and agrees to pay a commission should the licensee ever be successful in finding such Buyer.

As in all contracts, there is implied in a Listing Agreement an element which is commonly know at law as an ‘implied covenant of good faith and fair dealings’. This covenant is a general assumption of the law that the parties to the contract – in this case the titleholder and the licensed real estate firm – will deal fairly with each other and that they will not cause each other to suffer damages by either breaking their words or otherwise breach their respective and mutual contractual obligations, express and implied. A breach of this implied covenant gives rise to liability both in contract law and, depending on the circumstances, in tort as well.

Due to the particular nature of a Listing Agreement, the Courts have long since ruled that during the term of the agency relationship there is implied in the contract a second element that arises out of the many duties and responsibilities of the Agent towards the Principal: a duty of confidentiality, which obligates an Agent acting exclusively for a Seller or for a Buyer, or a Dual Agent acting for both parties under the provisions of a Limited Dual Agency Agreement, to keep confidential certain information provided by the Principal. Like for the implied covenant of good faith and fair dealings, a breach of this duty of confidentiality gives rise to liability both in contract law and, depending on the circumstances, in tort as well.

Pursuant to a recent decision of the Real Estate Council of British Columbia (http://www.recbc.ca/) , the regulatory body empowered with the mandate to protect the interest of the public in matters involving Real Estate, a question now arises as to whether or not the duty of confidentiality extends beyond the expiration or otherwise termination of the Listing Agreement.

In a recent case the Real Estate Council reprimanded two licensees and a real estate firm for breaching a continuing duty of confidentiality, which the Real Estate Council found was owing to the Seller of a property. In this case the subject property was listed for sale for over two years. During the term of the Listing Agreement the price of the property was reduced on two occasions. This notwithstanding, the property ultimately did not sell and the listing expired.

Following the expiration of the listing the Seller entered into three separate ‘fee agreements’ with the real estate firm. On all three occasions the Seller declined agency representation, and the firm was identified as ‘Buyer’s Agent’ in these fee agreements. A party commenced a lawsuit as against the Seller, which was related to the subject property.

The lawyer acting for the Plaintiff approached the real estate firm and requested that they provide Affidavits containing information about the listing of the property. This lawyer made it very clear that if the firm did not provide the Affidavits voluntarily, he would either subpoena the firm and the licensees as witnesses to give evidence before the Judge, or he would obtain a Court Order pursuant to the Rules Of Court compelling the firm to give such evidence. The real estate firm, believing there was no other choice in the matter, promptly complied by providing the requested Affidavits.

As a direct and proximate result, the Seller filed a complaint with the Real Estate Council maintaining that the information contained in the Affidavits was ‘confidential’ and that the firm had breached a duty of confidentiality owing to the Seller. As it turned out, the Affidavits were never used in the court proceedings.

The real estate brokerage, on the other hand, took the position that any duty of confidentiality arising from the agency relationship ended with the expiration of the Listing Agreement. The firm argued, moreover, that even if there was a duty of continuing confidentiality such duty would not preclude or otherwise limit the evidence that the real estate brokerage would be compelled to give under a subpoena or in a process under the Rules Of Court. And, finally, the realty company pointed out that there is no such thing as a realtor-client privilege, and that in the instant circumstances the Seller could not have prevented the firm from giving evidence in the lawsuit.

The Real Estate Council did not accept the line of defence and maintained that there exists a continuing duty of confidentiality, which extends after the expiration of the Listing Agreement. Council ruled that by providing the Affidavits both the brokerage and the two licensee had breached this duty.

The attorney-client privilege is a legal concept that protects communications between a client and the attorney and keeps those communications confidential. There are limitations to the attorney-client privilege, like for instance the fact that the privilege protects the confidential communication but not the underlying information. For instance, if a client has previously disclosed confidential information to a third party who is not an attorney, and then gives the same information to an attorney, the attorney-client privilege will still protect the communication to the attorney, but will not protect the information provided to the third party.

Because of this, an analogy can be drawn in the case of a realtor-client privilege during the existence of a Listing Agreement, whereby confidential information is disclosed to a third party such as a Real Estate Board for publication under the terms of a Multiple Listings Service agreement, but not before such information is disclosed to the real estate brokerage. In this instance the privilege theoretically would protect the confidential communication as well as the underlying information.

And as to whether or not the duty of confidentiality extends past the termination of a Listing Agreement is still a matter of open debate, again in the case of an attorney-client privilege there is ample legal authority to support the position that such privilege does in fact extend indefinitely, so that arguably an analogy can be inferred as well respecting the duration of the duty of confidentiality that the Agent owes the Seller, to the extent that such duty extends indefinitely.

This, in a synopsis, seems to be the position taken by the Real Estate Council of British Columbia in this matter.

Clearly, whether the duty of confidentiality that stems out of a Listing Agreement survives the termination of the contract is problematic to the Real Estate profession in terms of practical applications. If, for instance, a listing with Brokerage A expires and the Seller re-lists with Brokerage B, if there is a continuing duty of confidentiality on the part of Brokerage A, in the absence of express consent on the part of the Seller a Realtor of Brokerage A could not act as a Buyer’s Agent for the purchase of the Seller’s property, if this was re-listed by Brokerage B. All of which, therefore, would fly right in the face of all the rules of professional cooperation between real estate firms and their representatives. In fact, this process could potentially destabilize the entire foundation of the Multiple Listings Service system.

In the absence of specific guidelines, until this entire matter is clarified perhaps the best course of action for real estate firms and licensees when requested by a lawyer to provide information that is confidential, is to respond that the brokerage will seek to obtain the necessary consent from the client and, if that consent is not forthcoming, that the lawyer will have to take the necessary legal steps to compel the disclosure of such information.

The balance sheet, also called the statement of financial position, contains three items: assets, liabilities, and stockholders’ equity. It is dated at the moment in time when the accounting period ends. The accounting equation that is a big part of the financial statements is: assets equal liabilities plus stockholders’ equity. When working with a balance sheet: the total assets must equal the total liabilities and equity.

The first part of the balance sheet is assets. There are two main categories of assets: currents and long-term assets. Current assets are expected to be converted to cash in the next twelve months or one business operating cycle (if longer than a year). Cash is the most liquidated asset. Short-term investments are stocks and bonds that a company intends to sell within the next year. Accounts receivable are the amounts the company expects to collect from customers. Notes receivable are amounts that the company expects to collect from a customer who signed a promissory note. A company also includes inventory, which is a current asset, into the balance sheet. Prepaid expenses are also a part of the asset side of the balance sheet because the company will benefit from them in the future.

Long-term assets include plant, property, and equipment, intangibles, and investments. Plant, property, and equipment (PPE) include land, buildings, computers, store fixtures, etc. Accumulated depreciation is also included on the balance in the long-term assets area. It is the amount of depreciation from PPE at the end of the year. It is subtracted from the cost of PPE to determine its book value. Intangibles are assets with no physical form such as patents. Investments are long-term assets because the company does not expect to sell them within the next year.

The second part of the balance sheet is liabilities. Liabilities are also split into two categories: current and long-term liabilities. Current liabilities are debts paid within one year or one operating cycle. Accounts payable is the company promises to pay a debt arising from a credit purchase. Income taxes payable are tax debts owed to the government. Short-term borrowings are notes payable that the company has promised to pay back within one year. Salaries and wages payable are amounts owed to employees. Long-Term liabilities are payable after one year.

The last part of the balance sheet is stockholders’ equity. The Stockholders’ equity is assets minus liabilities. There are two parts to stockholders’ equity: paid-in capital and retained earnings. Paid-in capital is the amount the stockholders have invested in that company. The basic part of paid-in capital is common stock where a company issues stock to the stockholders as evidence of their ownership. Retained earnings are the amount earned by income-producing activities.

I hope this helped explain the parts of the balance sheet.

Computer plays an essential role people’s day to day life especially at work place, schools and even in home. Twenty first century has been the age of so many technological advancements aimed for making the lives of people better. Computer helps them become more efficient in their work.

Computer technology in banking:

Technology has made our living easy and comfortable, for instance our banking needs. Previously people need to maintain the important data of their customers manually. But right now, in just one click, they would be able to find all the customers’ data instantly. The customers are able to know about the transactions of their account by logging in to the bank website. Moreover, it is possible to apply for loans through online.

Improvements of computer technology:

Computer technology has improved our life style far better than before. Due to the emergence of internet and technology, the world has shrunk to a global village. Even though the advancement in internet creates new challenges like computer problems and virus threats, the computer technology like antivirus software made easy to overcome these problems.

Computer in food industry:

The automation and computerization in food processing units is facing lots of challenges if they are used nearby water catastrophic effects on any computer system. Most food processing units prefer waterproof computers to protect their computer systems from drenching in the production area.

Computer in medical field:

Hospital is an important organization and computers are used for the management of a hospital. The accounting, payroll and stock system of the hospital have been computerized in recent days. We can maintain the record of different medicines, their distribution and use in different wards etc. using computer. Even the disease can be diagnosed by entering the symptoms of a patient. Moreover, various computerized devices are used in laboratories for different tests of blood etc.

Computer in agriculture:

Nowadays agricultural industry is also making use of the computers. The analysis that was taken some few years before shows that 44% of the farmers in Ohio are using computers for various purposes. In 1991, only 32% of the farmers were making use of it. This shows that there is considerable increase in the farmers who are using computers. As internet becomes the means of communication, most farmers use this technological advancement for transaction processing or for retrieving information. The analysis shows that out of the total farmers who were surveyed, 80% of them are making use of the internet.

Computer in education:

Due to the globalization of education, so many challenges are posed by the new trends. In order to face all these challenges, information technology in the education sector is very important. It is essential that the students become familiar with the concept and use of information technology in order to equip them for future job market. Similarly, the faculty can achieve better quality in teaching methodology. The computer technology has developed in many fields. Its drastic development has created an immense impact in almost all the fields and thus leading to a new era.

 

In case one didn’t know it, the actions taken on a contract are all tied to the “execution” date, also known as the “date of final acceptance” (Texas Association of REALTORS® (TAR) form 1601, pg.7). This means that all addendums or agreements with specified time limits must be met within the time specified on a calendar day basis with day one beginning the day after the executed date.

The most important time frame that the home buyer or home seller should keep in mind is the option period, if one has been negotiated. For simplicity sake, let’s use a hypothetical contract signed by all parties and executed on December 31st with a ten day option period. This means that day one of the option period begins on January 1st and ends at midnight on January 10th. This option period is often used for inspections of a property, insurance quotes, and repair negotiations. Once this hurdle is jumped, appraisal and survey follow to complete the closing process.

When dealing with home owner’s association documents, surveys, and third party financing approvals, the same rule applies. If the addendums specify a certain number of days, one must be sure to comply with the deadlines or be in default – which is never a good thing.

Remember, the clock starts ticking on the date of final acceptance, also known as the execution date or the effective date. Professional REALTORS® should always be aware of time constraints within your contract, and need to remind you of the date as a buyer or seller. If not, be sure to ask your REALTOR® what the time frame is.

 

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

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

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

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

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

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

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

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