Importance of Protecting Your Investments

By on December 23, 2011

In the face of tough economic times, it is not uncommon to look for savings and seek out ways to make economies of scale on everyday costs. Reducing fuel bills by turning down the thermostat on the central heating even by one degree can make a difference, as can reconsidering whether subscriptions for non-essential items are really necessary.

There is one area where savings are not often considered, and that is insurance, although insurance companies are competing for customers just like other businesses. This does not mean, however, that cancelling or deciding not to renew home insurance should be considered as a saving worth making – far from it. In fact the opposite is true as the risks considerably outweigh any apparent savings. Instead, the smartest option is to look around for the best deals available from reputable insurance companies.

Is Insurance Really Necessary?

Importance of Protecting Your InvestmentsImportance of Protecting Your Investments

Insurance is a vital form of protection and one that no one can afford to be without. In particular, those who own their own home or who are repaying a mortgage must be sure they have sufficient home insurance to cover both the property and the contents; in most cases those living in rented accommodation will find that the landlord has insured the building but, even so, contents insurance is important so that personal items are covered in the event of loss or damage.


Home insurance protects against a number of potential risks and, even though thinking about these is not pleasant, it is nevertheless essential to make sure that the level of cover is adequate for all eventualities. Property is vulnerable to burglary and to accidental damage by fire or water – electrical supplies, wiring and appliances can and do go wrong; pipes are known to burst and cause flooding. Then there are natural disasters that affect homes, where structural damage can result. With inadequate or, worst of all, no protection, householders and flat-dwellers are at the mercy of thieves, the elements and accidents. Not having insurance, or having too little, is undoubtedly a false economy.

What are the Benefits?

Luckily, home insurance at the right level goes a long way to help out in the event of an unfortunate occurrence. This is why, for example, mortgage lenders insist on building insurance – if an uninsured home burns down they will lose their investment in the property. With the right protection, there is some comfort in the fact that carpets and furniture can be replaced, and that the value of other stolen items can be recovered.

Policies vary according to a number of key factors and normally insurers will offer quotes for premiums based on individual circumstances. Some insurance policies will cover people who are visiting a property and suffer an accident – a trip or slip that results in them breaking an arm or a leg, perhaps. With contents insurance, significant items will have to be valued and the basis on which the insurance is arranged can vary according to the fine print. It always pays to ensure policy documents are completely understood and the level of insurance provided will not leave claimants out of pocket in the event of an unfortunate incident.




Unemployment rises

March 1, 2012

Unemployment rises above 2.5m milestone

• Jobless total rises to 2.51m
• Unemployment rate at 7.9%
• Public sector employment falls by 111,000
• Claimant count rises by 20,300 in August
•Youth unemployment increases to 972,000


Public sector job cuts imposed as part of the government’s austerity drive have sent unemployment back through the 2.5m barrier, according to official figures released on Wednesday.

The Office for National Statistics said the number of people out of work rose by 80,000 in the three months to July, reaching 2.51m, mainly due to a sharp rise in youth unemployment.

Despite ministerial hopes that the private sector will be able to compensate for the squeeze on the public sector, the ONS said the May to July period had seen the sharpest rise in unemployment in two years.

The unemployment rate using the internationally agreed yardstick for calculating joblessness rose to 7.9% for May to July, from 7.7% in February to April.

Officials said that employment in the public sector had fallen by 111,000 in the second quarter of 2011, the biggest drop since recent records began in 1999.

The government’s alternative measure for unemployment – the claimant count – indicated that an additional 20,300 people were out of work and claiming benefits in August, a smaller increase than the City had feared following an increase of more than 30,000 in July. The claimant count total now stands at 1,580,900.

Unemployment on both measures has been rising in recent months as the UK’s recovery from the deep recession of 2008-09 has stalled. Economic output has increased by just 0.2% in the nine months to June.

The ONS data showed that employment in the three months to July fell by 69,000, the weakest performance since spring 2010. Employment minister Chris Grayling, said: “Today’s figures underline the scale of the challenge that we face particularly given slower growth across Europe and North America. Unemployment remains lower than it was six months ago but clearly we must continue to focus our efforts on supporting business growth and ensure that people who do lose their jobs have the best possible support to get back into employment.”

Youth bear the brunt

Unemployment among 16-24-year-olds, the age group worst affected by the slowdown in the labour market, rose to 972,000 in the three months to July as school leavers and graduates struggled to find work. Among those aged between 18 and 24, the unemployment rate now stands at just under 19%, more than double the jobless rate for the UK as a whole.

TUC general secretary Brendan Barber said: “These are terrible figures. They are further evidence that the recovery has been choked off by a self-defeating rush to austerity. Government policies are hurting, but they aren’t working.

“Most worrying are the signs of a second wave of rising young unemployment – with the number of 18-24-year-olds out of work now higher than at any point during the recession – making the government’s decision to slash the support to young people through Educational Maintenance Allowances and the Future Jobs Fund look even more short-sighted and cruel,” Barber added.

A breakdown of the ONS data showed that public sector employment was 3.8% lower in the May-July period of 2011 than it was a year earlier, while private sector job growth has slowed – up 0.2% on the quarter and 1.2% on the year.

The number of people working part time because they could not find a full-time job reached a new record level.

Michael Saunders, economist at Citi, said: “Worse news probably lies ahead. The number of redundancies is up 40% quarter on quarter, while vacancies are falling. Private sector employment is likely to weaken further as firms cut back on labour use, and firms may well cut back rather more quickly than in the early stages of the recession because there currently is less offsetting stimulus from new falls in interest rates. The jobless total is likely to rise above the recession peak soon, and probably will reach 2.7-2.8 million people (8.5%-9% of the workforce) during next year.”


Relationship Mistakes

March 1, 2012

No.10 Don’t Expect Her To Change

Don’t expect them to change. People change because they want to, not because you want them to.


No.9 Find Someone Who Shares Your Interests

Here’s the straight scoop. There is a woman who will love playing video games with you. There is a woman who loves sports. Hell, there is a woman who loves polka, if that’s what you’re into. Don’t get stuck in the trap of believing “what girls are like” and accepting someone who doesn’t mesh with you based on this foolish common “knowledge.”

If you don’t want to be forced to watch Sex and the City, find a woman who’s not interested in Sex and the City, or one who is but who respects that you aren’t. Don’t want to go shopping? Tell your woman or find one who doesn’t want to drag you along. Many of the problems I hear guys complaining about could be easily fixed by finding someone who actually shares their interests instead of the first hot body that catches their eye, or by putting their foot down at the beginning of the relationship. Don’t pretend you like things you don’t, don’t go out of your way to pretend you’re someone you’re not; just be you and find someone who enjoys what you do.

I think this is the secret to happiness in relationships.

No.8 Don’t Make Assumptions

The biggest relationship mistake I see young men make is thinking that “women are this way” from all the stupid “forever alone,” “Hey, aren’t girls crazy?” and “Hey, listen to this story about my crazy girlfriend” stories that float around.

No.7 Try To See Things From Her Point Of View

I would have to add empathy to that list. Being able to place yourself in your partner’s shoes and see things from their perspective is very important when diffusing fights or disagreements. The challenge is to get your partner to also do this on a regular basis.

No.6 Make Sure You’re On The Same Page

Furthermore, be careful for “feelings inequity” (she likes you more than you like her, or vice versa). Not sure if this is a problem, but most relationships go badly because of this. I’m not sure if there’s even anything you can do about it, just something to watch out for.

No.5 Learn To Compromise

The biggest breakdown in communication is when both parties expect different things. You can’t expect to have the same feelings on every issue, but you should be able to find an equitable meeting place. If one party keeps having to compromise but the other doesn’t, it can get bitter quickly.

No.4 Tell Her How You Feel

Tell her about it. F*ck being clingy. If you feel something, really feel it. Say it. If she doesn’t feel the same way, you’ll lose this one girl, but if she does and you wait too long, you could regret it forever.

No.3 Always Resolve Issues

Always resolve issues; don’t leave things you care about unresolved. If you care about something don’t say “That’s OK” when she gives you a half-assed excuse. If it actually isn’t OK that she still sees her ex every Friday night, tell her. It will eat at you if you don’t.

No.2 Don’t Get Personal

When you argue, don’t get personal. Respect her. Don’t say things that will hurt her feelings and expect she does the same. Your loved ones can cut you the deepest, but they never should.

No.1 Make Sure To Communicate

Lack of communication. Make sure you talk sensibly about the things that bother you and, in turn, when she does the same, don’t make judgments too fast; think about how you respond.
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There is something eerie in the efficiency with which the Nazis ruled the whole country, including its population and industry, realizing their evil designs. Everyone knows about the big three corporations who collaborated with the Nazis. Hugo Boss designed the uniforms awesome SS (as well as the monotone brown shirts SA and Hitler Youth); Volkswagen punishment for Hitler designed the “Beetle” and pressed it, using forced labor; IBM has developed a punch card that was used to streamline the process of extermination of people by race and class .
However, this was not the only companies that were operating in collusion with the Nazis – the other global entities, which today can still learn, too, sold their souls to the devil in many ways – and you may be surprised at the sight of some of the names listed below.

10. Chase Bank

If you think about conspiracy Chase Bank (now JP Morgan Chase) with the Nazis is not so much and amazing. One of the main holders of its shares, Dzh.D.Rokfeller directly funded pre-war eugenic experiments the Nazis.

Between 1936 and 1941, Chase and other banks the U.S. has helped the Germans to get over 20 million in U.S. dollar terms, while earning more than $ 1.2 million commission – of which Chase pocketed half a round. In those days it was a lot of money. The fact that the German mark, to finance operations, had its origin in Jews fleeing from Nazi Germany, apparently not bothered Chase – in fact, the bank improve its business after Kristallnacht (the night in 1938, during which Jews throughout Nazi Germany and Austria were targeted massacres.) Chase also froze the accounts of French Jews in occupied France before the Nazis even thinking to ask him about it.

9. Ford

Henry Ford was itself a notorious anti-Semite, who published a fascinating collection of articles titled “The International Jew. The original global problem. ” Ford even sponsored their own newspaper, which he used as an element of propaganda, accusing the Jews in World War I, and in 1938 received the Order of the merits of the German Eagle, the highest distinction of Nazi Germany, which was awarded to foreign nationals.

The German administration released a third of Ford trucks for the military needs of the German army during the war, with extensive use of prison labor. What shocks even more – perhaps servile labor was used in the production of Ford in 1940 – when the U.S. subsidiary of the company still retained full control.

8. Random House

You may not have heard of Bertelsmann AG, but you will hear about the books published by many of its subsidiaries, including Random House, Bantam Books and Doubleday. During the Nazis in power, Bertelsmann published Nazi propaganda literature, such as “sterilization and euthanasia – a contribution to applied Christian ethics.” She even published works Willie Vesper, who spoke with an enthusiastic speech by burning books in 1933. In 1997, Random House became the center of another debate about Nazism, when added “personality, fanatically loyal certain activities, practices, etc. or their desire to learn “to the definition of” Nazi “in Webster’s dictionary, the Anti-Defamation League that led to a statement that the publishing house” downplays and denies the bloodthirsty intent and the Nazi regime. ”

7. Kodak

When you think of Kodak, immediately before the eyes stand idyllic family photos and memories caught on film, but you should keep in mind actually – it’s forced labor that was used in the company’s German subsidiary during World War II. Kodak subsidiaries in neutral European countries were brisk business with the Nazis by giving them a market for their goods, and valuable foreign exchange. The Portuguese unit, even listed the profits unit in The Hague, which was then under Nazi occupation. Moreover, this company was not concerned with only one camera manufacturer – it has mastered the manufacture of fuses, detonators and other military goods for the Germans.

6. Coca-Cola

Fanta – flavored drink with orange, which was originally conceived for the Nazis. Quite correctly, the import of ingredients for Coke, which gives the brand its name, was limited and the control unit of Coca-Cola in Germany, Max Kite invented a new drink that could be made from available ingredients.

In 1941, Fanta debuted on the German market. Mack Kite himself was not a Nazi, but his efforts to maintain the smooth functioning unit Coca-Cola throughout the war meant that the company get hold of a fair profit and the end of the war could go back to the spread of Coca-Cola among stationed in Europe, the American soldiers.

5. Allianz

Allianz is the twelfth largest company in the world of financial services. Not surprisingly, being established in 1890 in Germany, she was in her largest insurer, when the Nazis came to power. As such, it was quickly tied things with the Nazi regime. Its director, Kurt Schmitt was also minister of economy, Hitler, and the company provides insurance facilities and staff of Auschwitz. Its CEO is responsible for the practice of paying compensation insurance was destroyed as a result of Kristallnacht, the Nazi state of Jewish property rather than the eligible beneficiaries. In addition, the company has worked closely with the Nazi government in tracking life insurance policies of German Jews sent to death camps, and during the war in favor of the insured property the Nazis seized from the same Jewish people.

4. Novartis

While Bayer and is infamous due to the fact that began as a gas producer unit Zyklon B, used by the Nazis in gas chambers, it is not the only pharmaceutical company with skeletons in the closet. The Swiss chemical company Ciba, and Sandoz merged to form a Novartis, famed for its first drug Ritalin (the infamous psychostimulant that is widely used in the U.S. to treat childhood hyperactivity, approx. Mixednews). In 1933, the Berlin branch of Ciba the powers of all the members of its Board of Directors of the Jewish nationality, and replaced them more “acceptable” Aryan personnel; Meanwhile, Sandoz was engaged in similar activities for its own Chairman. During the war the company produced for the Nazis dyes, pharmaceuticals and chemicals. Novartis frankly his guilt and tried to make amends for its characteristic of other companies accomplices way – sacrificing $ 15 million compensation fund to Swiss victims of Nazism.

3. Nestlé

In 2000, Nestlé in connection with the use of it at the time of slave labor in the fund paid out more than 14.5 million dollars to settle claims by victims of its actions and those of Holocaust survivors and Jewish organizations. The firm made the admission that in 1947 it acquired a company that enjoyed during the war, forced labor, and also stated: “There is no doubt either one can assume that some corporations in the group Nestlé, operating in countries controlled by National Socialist (Nazi) regime, exploited the forced laborers. ” Nestlé in 1939 in Switzerland, provided financial assistance of the Nazi Party, as a result of winning a lucrative contract to supply the chocolate to the needs of the entire German army during World War II.

2. BMW

BMW admitted to use during the war forced 30 000 unskilled workers. These prisoners of war, forced laborers and prisoners of concentration camps produced engines for the Luftwaffe and so were forced to help the regime to protect themselves from those who tried to save their own. In wartime, BMW has focused exclusively on the manufacture of airplanes and motorcycles, not claiming to be anything else but to be a supplier of military vehicles for the Nazis.

1. General Electric (GE)

In 1946, the U.S. government has imposed a fine on General Electric for its misconduct during wartime. Together with Krupp, a German industrial company, General Electric deliberately overstated the price of tungsten carbide, which is a vital material for the machining of metals needed for the war effort. However, being fined a total of some 36,000 dollars, General Electric has made itself only to this fraud about a half million dollars, thus preventing the mobilization and raising the price of victory over Nazism. GE, moreover, before the war broke out, bought a stake in Siemens, has made itself an accomplice than the use of slave labor for the construction of the very gas chambers, where they found their end, many sick workers.


Top Five Direct Mail Formats

Direct mail continues to be a popular and versatile marketing strategy. Even in the age of technology, direct mail still comprises a critical component of any cohesive marketing campaign. With the numerous forms of direct mail available, a company can tailor each direct mail campaign specifically for each purpose and audience.

The key to a successful strategy is choosing the right format for each component of a marketing campaign. Different formats lend themselves to certain functions. Five types of direct mail can be used to address virtually any marketing need.

  • Postcards: Cost-effective and simple, postcards are best for brief, clear messages. They work well for reminders, thank-you’s, and special offers. Postcards are an excellent way to contact current customers, who already know about a company’s products and services.
  • Self-mailers: These are brochures that fold into themselves and stay shut with an adhesive tab. Self-mailers make excellent introductions for prospective customers, because they can be full-color and include thorough details about the company. Although they are more expensive than postcards, they carry much more information, and do not require an outer envelope.
  • Letters: In situations where confidentiality or order forms are required, the traditional letter is often the best option. The letter can be part of a comprehensive mailing package that includes business cards, reply mail, or brochures, for a professional and polished presentation. Since letters require separate postage and envelopes, they are best for current customers or highly targeted prospects.
  • Dimensional Mailers: A step up from letters or brochures, the dimensional mailer looks fresh and upscale. For high-level business-to-business contacts, dimensional mailers are a compelling option. Dimensional mailers can be used to give a unique and concise overview of a company.
  • Catalogs: To showcase a wide range of products, catalogs are the clear choice. The higher cost of producing high-quality catalogs means that it is best to send them to current customers or highly targeted prospects. Catalogs offer a great cross-selling opportunity, since customers can see not only the kinds of products they originally purchased, but also related or new ones.

The design and layout of direct mail offer endless options, and an expert can help tailor mailing materials to meet each company’s needs and maximize the impact on mail recipients. Regardless of which direct mail format is used, it is important always to include two elements: a call to action and contact information. The call to action invites the mail recipients to act on the information they have just read, and the contact information gives them the tools they need to follow through on that call to action.


Top Eight Benefits of Barcodes

Barcodes are often overlooked as a method for cutting costs and saving time. A valuable and viable choice for businesses looking to improve efficiency and reduce overhead, barcodes are both cost-effective and reliable.

  1. Barcodes eliminate the possibility of human error. The occurrence of errors for manually entered data is significantly higher than that of barcodes.  A barcode scan is fast and reliable, and takes infinitely less time than entering data by hand.
  2. Using a barcode system reduces employee training time. It takes only minutes to master the hand-held scanner for reading barcodes. Furthermore, employees do not have to gain familiarity with an entire inventory or pricing procedure. This also makes employee training less expensive, since they do not have to be paid for extra training time, and another employee does not have to be compensated for training them.
  3. Barcodes are inexpensive to design and print. Generally they cost mere pennies, regardless of their purpose, or where they will be affixed.  They can be customized economically, in a variety of finishes and materials.
  4. Barcodes are extremely versatile.  They can be used for any kind of necessary data collection.  This could include pricing or inventory information. Additionally, because barcodes can be attached to just about any surface, they can be used to track not only the products themselves, but also outgoing shipments and even equipment.
  5. Inventory control improves.  Because barcodes make it possible to track inventory so precisely, inventory levels can be reduced.  This translates into a lower overheard.  The location of equipment can also be tracked, reducing the time spent searching for it, and the money spent replacing equipment that is presumed lost.
  6. Barcodes provide better data.  Since one barcode can be used for inventory and pricing information, it is possible to quickly obtain data on both. Furthermore, barcodes can be customized to contain other relevant information as needed.  They provide fast, reliable data for a wide variety of applications.
  7. Data obtained through barcodes is available rapidly.  Since the information is scanned directly into the central computer, it is ready almost instantaneously.  This quick turnaround ensures that time will not be wasted on data entry or retrieval.
  8. Barcodes promote better decision making. Because data is obtained rapidly and accurately, it is possible to make more informed decisions.  Better decision making ultimately saves both time and money.

Both inexpensive and user-friendly, barcodes provide an indispensable tool for tracking a variety of data, from pricing to inventory.  The ultimate result of a comprehensive barcoding system is reduction in overhead.

Eurozone crisis: Greece gripped by general strike

ahead of crucial talks – as it happened

Photograph: Yannis Behrakis/REUTERS

Members of the Greek Communist Party held a rally in Athens yesterday. As this picture of Syntagma Square shows, they weren’t deterred by the rainy weather.

friday night,sunday night

January 2, 2012

Global Recession and Financial Crisis have become so critical and serious
now days that……
majority of the men have started loving their own wives!!!!!!**

I got your email

January 2, 2012