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Simple Tricks to Make Your Site More Social Media Ready

Once thought to be a passing fad, and although still relatively new, social media is now taking a firm hold and warrants attention in many retailers’ online marketing efforts.

You can’t avoid it. No matter where you turn it seems you hear terms like “fan page”, “followers”, “tweet”, “re-tweet”, “blog” and more being used. With all the social media hype, many are questioning what social media actually is and how they can use it to move their business forward.

In this article I am going to explain what social media is, provide some strategies for making your site more social media friendly, touch upon differences between options presented by major social media outlets, and answer the question of whether you should do it yourself, or hire a consultant to do it for you.

Social Media can be time consuming, but when implemented correctly can add a level to your business that helps build brand loyalty, and awareness which in turn can boost your bottom line.

What is Social Media?

Wikipedia defines social media as: media designed to be disseminated through social interaction, created using highly accessible and scalable publishing techniques. Social media uses Internet and web-based technologies to transform broadcast media monologues (one to many) into social media dialogues (many to many). It supports the democratization of knowledge and information, transforming people from content consumers into content producers.

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How to Shop Online For Life Insurance

How to Shop Online for Life Insurance

Shopping online for life insurance doesn’t have to be a time-consuming ordeal, but the final decision shouldn’t be made lightly. Choosing your life insurance is a little more complex than choosing auto insurance. Because you’ll have this plan long-term, even small monthly savings can add up to significant savings over the course of your lifetime. Take the time to compare plan costs and find the best value before making a choice.

What Kind of Insurance Do You Want?

Before you get online to shop for life insurance, analyze your needs. How much insurance and what type of insurance do you want? There is a big difference between term insurance, which is temporary, and whole life insurance, which lasts until your death. While term insurance is much cheaper, it doesn’t offer additional benefits. Whole life is more expensive, but it includes an interest-earning account and other perks. Different variations on these two offer varying pros and cons. Decide what kind of insurance suits your needs.

Compare Life Insurance Plans Online

Now that you have an idea of what kind of insurance you’re shopping for, it’s time to get online. You can save bundles of time by using an insurance comparison website.

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Drug Addiction Explained – The Top 6 Drug Addiction Treatments

Throughout the years, doctors and experts have been able to create all sorts of treatment for drug addiction. Doctors have created so many options, that choosing one drug addiction treatment approach can likely take awhile. Being addicted to anything should never be seen as a minor problem. Those who are addicted to drugs most importantly need a lot of attention and care, as it is a very fragile situation to be in. Fortunately, doctors have been able to create all sorts of treatments that make the process less daunting and scary for patients.

What Is Drug Addiction?

Drug addiction seriously is a complex illness that is characterized by very intense and sometimes uncontrollable drug cravings. Some compulsive drug addicts tend to find the withdrawals and symptoms of quitting drug use can be so unbearable for them to handle. The path of addictions begin with the moderate acts of taking drugs, and over time the person’s ability of becoming addicted are highly likely. In time, the addict will constantly seek and consume the drugs compulsively. This sad behavior then results to the effects of a long line of drug exposure to the brain function. Addiction is a serious brain disease that has shown to affect multiple brain circuits such as memory, learning, and inhibitory control on your behavior.

Since drug abuse has so many dimensions, it disrupts so many aspects in the addicts life. Treatment isn’t simple, because in order for it to work, the addict must be willing to change. Effective treatment programs usually incorporate different components, each which are directed to particular aspects of this illness. Addiction treatments will help people to stop using drugs, maintain their drug-free lifestyle, and even achieve a more productive routine. Since addiction usually is a chronic disease, most people can’t stop using drugs unless they have proper treatment. Most patients unfortunately require long-term and repeated episodes of treatment in order to achieve and sustain abstinence drugs.

Different Types Of Drug Addiction Treatments

– Behavioral Treatments

A behavioral treatment basically helps patients to engage in the entire treatment process. It modifies the patient’s behaviors and attitudes related to their drug abuse to increase their chances of a healthier lifestyle. These treatments may even enhance the accuracy of medications that help people to stay on their treatment. Treatments for addiction can only be delivered through different settings with different behavioral approaches.

The outpatient behavioral treatments encompasses an array of programs for the patients who visit clinics in regular intervals. Most programs involve individual and even group drug counseling sessions. Some programs also offer other types of behavioral treatments including:

– Cognitive Behavioral Therapy

This therapy seeks to help different patients recognize, cope, and avoid the situations where they are more likely to not abuse drugs.

– Multidimensional Family Therapy

This therapy was developed for the adolescents whom are suffering from drug abuse problems, and where their families address a wide range of influences with the drug abuse patterns. It is also designed to improve your overall family functioning as well.

– Motivational Interviewing

This therapy capitalizes the readiness of each patient to change their unique behavior to finally enter treatment.

– Motivational Incentives

This therapy uses positive reinforcements to help encourage abstinence from consuming drugs.

– Residential Treatment

Residential treatment programs is also a highly effective treatment, especially for patients with severe issues. For instance, therapeutic communities are more highly structured programs where patients stay at their home. The patient usually stays at this at home therapy for 6 months to a year. Therapeutic communities differ from the treatment approaches principally through the community, staff, and recovery. This is the key agent to change and influence the attitudes, behaviors, and perceptions, of patients associated with drug abuse. Patients that go through TC therapy may even include those with long histories of drug abuse, seriously impaired social functions, and involvement with serious criminal activities. This therapy is now being designed to be accommodated by women who may be pregnant or have kids. The focus of this therapy is the resocialization of patients to a drug free and crime free lifestyle.

If you want to gain a normal life and overcome this addiction, find the right treatment that best suits your current situation. Allowing the treatment to help you is the only way to live a healthy drug free life.

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Overview of Medical Tourism

Medical tourism encompasses the terms medical travel, global healthcare, and health tourism, and describes the practice of people traveling to receive medical treatment, whether necessary or elective. Alternatively, it also refers to the travel of health care providers to deliver healthcare to people in other countries. Medical tourism is becoming an increasingly popular practice among those who wish to have options when it comes to their healthcare. The services offered in a medical tourism setting are almost limitless and could include heart surgery, join replacement surgery, cosmetic surgery, dental surgery, and even in vitro fertilization. Furthermore, medical tourism can involve alternative treatments, psychiatry, and convalescent care. Those concerned about the quality of care in regard to medical tourism can look to the U.S.-based Joint Commission International, among other companies, which inspects and accredits healthcare facilities outside of U.S. Borders. Savvy patients will look for a facility or hospital that is accredited by a respected source when considering treatment abroad.

Interestingly, medical tourism is not as nouveau as many believe. While it has certainly experienced an increase in popularity in recent years, the concept of traveling for healthcare dates back many centuries. The ancient Greeks were known to travel to a territory called Epidauria, in the Saronic Gulf of the Mediterranean, to seek healing from the god Asklepios. Even early spas can, in retrospect, be called medical tourism. In the 1700s, people from all around England traveled to the small village of Bath to partake in the supposed healing waters of the natural mineral springs. Americans, as well as citizens of other First World countries such as Europe, Japan, Canada, and the Middle East are opting to seek medical treatment outside of their own borders. In 2007, it is estimated that approximately 750,000 Americans sought medical treatment abroad, and that number was projected to double in 2008.

Medical tourism continues to increase in popularity because of the many benefits that are associated with receiving medical treatment abroad. The primary benefits of medical tourism include cost, convenience, and the ability to combine travel to exotic locals with high-quality medical treatment. Those who reside in countries with lower health standards participate in medical tourism as a means to receive medical treatment that is superior to what is available at home. However, those from First World countries are more likely to travel for medical reasons. It is generally cited that people from countries such as the U.S., Great Britain, and Canada generally possess more wealth; that coupled with their high expectations of healthcare in general, leads First World citizens to seek out alternative options, whether on the surgery table or the psychiatrist’s couch.

The primary reason that people elect to receive medical treatment abroad is cost. Even those with insurance may opt to travel for medical care, especially when the entire cost of the trip, including treatment, can be accomplished for far less than the cost of an insurance deductible. Those savings, coupled with the promise of a vacation to a far-off land, make medical tourism an attractive incentive to many. While it is normal to save as much as 50% on overall costs, in some cases the savings can be substantially more. Those traveling to India and Costa Rica can expect to save as much as 80-90% overall on some treatments when compared to the costs in North America or the British Isles. Medical tourists traveling to Thailand for heart surgery can expect to pay only 20% of what they would pay in the United States. Knee and hip replacement surgeries can cost anywhere between $25,000 and $50, 000 in the United States, but can cost as little as $5000 in countries like Columbia and India.

While the cost alone is certainly enough to get the attention of many people disillusioned with healthcare, there are other reasons that prompt people to grab their passports and head out on a dual-purpose journey. For many, convenience and speed are among the most-cited reasons for health travel. While there are many benefits to public healthcare, such as the system that is operated in Canada, a severe downside is the wait time that is often required for non-emergency care. To many, waiting six months for a hip replacement surgery is not only ludicrous, it’s not an option. This is especially true considering that it is possible to travel to a medical tourism destination and receive a new hip in the matter of days or weeks. For those who cannot, or are not willing to, wait for health care, medical tourism is an increasingly attractive option.

It would be remiss to discuss medical tourism without addressing the risks involved. Those who reside in countries with high standards of living, the conditions in some countries that provide treatment to tourists is less than ideal. This is why it is important to seek out hospitals and treatment facilities that are accredited. In countries were political and other domestic issues can make travel dangerous, many companies that organize medical treatment abroad often provide case managers to assist with medical and non-medical issues both before and after travel. Because lower standards of living often carry the risk of infectious disease such as tuberculosis, typhoid, HIV, and amoebic dysentery, to name a few, it is important for medical tourists to consider all related health risks before embarking on a journey. Additionally, medical tourists that are generally ill should consider the risks associated with long flights, climate changes, and fatigue in general. Finally, medical tourists should consider cultur al and language barriers that might make the situation difficult.

Those considering medical tourism should also be aware of legal and ethical issues that may be present. Because laws and opportunities for litigation are different in other countries, people need to be aware of their rights when it comes to receiving medical care in another country. As far as ethics are concerned, medical tourists should be aware of issues surrounding organs and tissues that could be purchased illegally. Many naysayers cite that citizens of countries where medical tourism is growing in popularity often have trouble receiving healthcare because most doctors are focused on the foreigners who are coming into the country to receive medical treatment.

Overall, many proponents of medical tourism, or health travel, believe that the risks outweigh the benefits, especially when a person is diligent in doing their research and seeking out an accredited source for healthcare treatment. Of primary consideration is the cost savings that is associated with medical tourism, especially in countries where the cost of domestic healthcare is increasing at an ever-growing rate. Due to the technological advancements and global standards of care in the healthcare industry, medical tourists can enjoy treatments that are as good as, if not better than, the treatments they would receive on their home turf. When time is of the essence, many people come to find that the only way to get fast medical treatment is to travel. Add to that the enjoyment of having a vacation abroad in conjunction with a necessary or elective surgery or treatment, and many people decide that medical tourism is the answer. Thanks to increasing ease and relative low cost of international travel, getting to the destination isn’t nearly as hard as it may have once been. In short, many people today are finding that the Greeks were pretty smart when they first introduced the idea of medical tourism thousands of years ago.

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Advantages and Disadvantages on Group Health Insurance VS Individual Health Insurance

In this article we will explore the reasons that motivate employers to get group health insurance for employees and we will look at the advantages and disadvantages from both points of view.

Group Health Insurance VS Individual Private Health Insurance

Probably the most significant distinguishing characteristic of group insurance is the substitution of group underwriting for individual underwriting. In group cases, no individual evidence of insurability is usually required, and benefit levels can be substantial, with few, if any, important limitations.

Group underwriting normally is not concerned with the health or other insurability aspects of any particular individual. Instead, it aims to obtain a group of individual lives or, what is even more important, an aggregation of such groups of lives that will yield a predictable rate of mortality or morbidity. If a sufficient number of groups of lives is obtained, and if these groups are reasonably homogeneous in nature, then the mortality or morbidity rate will be predictable. The point is that the group becomes the unit of underwriting, and insurance principles may be applied to it just as in the case of the individual. To assure that the groups obtained will be reasonably homogeneous, the underwriting process in group insurance aims to control adverse selection by individuals within a group.

In underwriting group insurance, then, certain important features should be present that either are inherent in the nature of the group itself or may be applied in a positive way to avoid serious adverse selection such as:

Insurance Incidental to the Group: The insurance should be incidental to the group; that is, the members of the group should have come together for some purpose other than to obtain insurance. For example, the group insurance furnished to the employees of a given employer must not be the feature that motivates the formation and existence of the group.

Flow of Persons through the Group: There should be a steady flow of persons through the group; that is, there must be an influx of new young lives into the group and an out flow from the group of the older and impaired lives. With groups of actively working employees, it may be assumed that they are in average health.

Automatic Determination of Benefits: Group insurance underwriting commonly requires an automatic basis for determining the amount of benefits on individual lives, which is beyond the control of the employer or employees. If the amount of benefits taken were completely optional, it would be possible to select against the insurer because those in poor health would tend to insure heavily and the healthy ones might tend to elect minimum coverage.

As the group mechanism has evolved, however, insurers have responded to demands from the marketplace, particularly large employers, for more flexibility in the selection of benefits. This flexibility typically is expressed in optional amounts of life and health insurance in excess of basic coverage provided by the employer and in more health care financing choices. Also, increasingly popular cafeteria plans allow participating employees to select among an array of benefits using a predetermined allowance of employer funds. Individuals select, subject to certain basic coverage’s being required, a combination of benefits that best meet his or her individual needs.

Minimum Participation by the Group: Another underwriting control is the requirement that substantially all eligible persons in a given group be covered by insurance. In plans in which the employee pays a portion of the premium (contributory), generally at least 75 percent of the eligible employees must join the plan if coverage is to be effective. In the case of noncontributory plans, 100 percent participation is required. By covering a large proportion of a given group, the insurance company gains a safeguard against an undue proportion of substandard lives. In cases in which employees refuse the insurance for religious or other reasons that do not involve any elements of selection, this rule is relaxed.

Third Party Sharing of Cost: A portion of the cost of a group plan ideally should be borne by the employer or some third party, such as a labor union or trade association. The noncontributory employer-pay-all plan is simple, and it gives the employer full control over the plan. It provides for insurance of all eligible employees and thus, eliminates any difficulties involved in connection with obtaining the consent of a sufficient number of employees to meet participation requirements. Also, there is no problem of distributing the cost among various employees, as in the contributory plan.

Contributory plans usually are less costly to the employer. Hence, with employee contributions, the employer is likely to arrange for more adequate protection for the employees. It can also be argued that, if the employee contributes toward his or her insurance, he or she will be more impressed with its value and will appreciate it more. On the other hand, the contributory plan has a number of disadvantages. Its operation is more complicated, and this at times, increases administrative cost considerably.

Each employee must consent to contribute toward his or her insurance, and as stated before, a minimum percentage of the eligible group must consent to enter the arrangement. New employees entering the business must be informed of their insurance privilege. If the plan is contributory, employees may not be entitled to the insurance until they have been with the company for a period of time. If they do not agree to be covered by the plan within a period of 31 days, they may be required to provide satisfactory evidence of insurability to become eligible. Some noncontributory plans also have these probationary periods.

Efficient Administrative Organization: A single administrative organization should be able and willing to act on behalf of the insured group. In the usual case, this is the employer. In the case of a contributory plan, there must be a reasonably simple method, such as payroll deduction, by which the master policy owner can collect premiums. An automatic method is desirable for both an administrative and underwriting perspective. A number of miscellaneous controls of underwriting significance are typically used in group insurance plans, but the preceding discussion permits an appreciation of the group underwriting underwriting theory. The discussion applies to groups with a large number of employees.

A majority of the groups, however, are not large. The group size is a significant factor in the underwriting process. In smaller plans, more restrictive underwriting practices relating to adverse section are used. These may include less liberal contract provisions, simple health status questions, and in some cases, detailed individual underwriting of group members.

Group Policy: A second characteristic of group insurance is the use of a group policy (contract) held by the owner as group policyholder and booklet-certificates or other summary evidence of insurance held by plan participants. Certificates provide information on the plan provisions and the steps required to file claims. The use of certificates and a master contract constitutes one of the sources of economy under the group approach. The master contract is a detailed document setting forth the contractual relationship between the group contract owner and the insurance company. The insured persons under the contract, usually employees and their beneficiaries, are not actually parties to the contract, although they may enforce their rights as third party beneficiaries. The four party relationship between the employer, insurer, employee, and dependents in a group insurance plan can create a number of interesting and unusual problems that are common only to group insurance.

Lower Cost: A third feature of group insurance is that it is usually lower-cost protection than that which is available in individual insurance. The nature of the group approach permits the use of mass distribution and mass administration methods that afford economies of operation not available in individual insurance. Also, because group insurance is not usually underwritten on an individual basis, the premiums are based upon an actuarial assessment of the group as a whole, so a given healthy individual can perhaps buy insurance at a lower cost. Employer subsidization of the cost is a critical factor in group insurance plan design. Probably the most significant savings in the cost of marketing group insurance lies in the fact that group commissions absorb a much smaller proportion of total premiums than commission for individual contracts.

The marketing system relieves the agent or broker of many duties, responsibilities, and expenses normally associated with selling or servicing of individual insurance. Because of the large premiums involved in many group insurance cases, the commission rates are considerably lower than for individual contracts and are usually graded downward as the premium increases. Some large group insurance buyer’s deal directly with insurance companies and commissions are eliminated. In these cases, however, fees frequently are paid to the consultants involved. The nature of the administrative procedures permits simplified accounting techniques. The mechanics of premium collection are less involved, and experience refund procedures much simplified because there id only one party with whom to deal with such as the group policy owner.

Of course, the issuance of a large number of individual contracts is avoided and, because of the nature of group selection, the cost of medical examinations and inspection reports is minimized. Also, regulatory filings and other requirements are minimized. In the early days of group insurance, administration was simple. That is no longer true. Even with group term life insurance, for which there is no cash value, the push for accelerated death benefits, assignment to viatical companies, and estate or business planning record keeping means that the administration of coverage may be as complex as with an individual policy.

Flexibility: in contrast to individual contracts that must be taken as written, the larger employer usually has options in the design and preparation of the group insurance contract. Although the contracts follow a pattern and include certain standard provisions, there is considerably more flexibility here than in the case of individual contracts. The degree of flexibility permitted is, of course, a function of the size of the group involved. The group insurance program usually is an integral part of an employee benefit program and, in most cases, the contract can be molded to meet the objectives of the contract owner, as long as the request do not entail complicated administrative procedures, open the way to possibly serious adverse selection, or violate legal requirements.

Experience Rating: Another special feature of group insurance is that premiums often are subject to experience rating. The experience of the individual group may have an important bearing on dividends or premium-rate adjustments. The larger and, hence, the more reliable the experience of the particular group, the greater is the weight attached to its own experience in any single year. The knowledge that premiums net of dividends or premium rate adjustments will be based on the employers own experience gives the employer a vested interest in maintaining a favorable loss and expense record. For the largest employers, insurers may agree to complicated procedures to satisfy the employer’s objectives because most such cases are experience rated and reflect the increased cost.

Some insurers experience rate based on the class or type of industry, or even based on the type of contract. For small groups, most insurance companies’ use pooled rates under which a uniform rate is applied to all such groups, although it is becoming more common to apply separate pooled rates for groups with significantly better or worse experience than that of the total class. The point at which a group is large enough to be eligible for experience rating varies from company to company, based on that insurer’s book of business and experience. The size and frequency of medical claims vary considerably across countries and among geographic regions within a country and must be considered in determining a group insurance rate. The composition (age, sex, and income level) of a group will also affect the experience of the group and, similarly, will be an important underwriting consideration.
Advantages and Limitations of the Group Mechanism.

Advantages: The group insurance mechanism has proved to be a remarkably effective solution to the need for employee benefits for a number of reasons. The utilization of mass-distribution techniques has extended protection to large numbers of person s with little or no life or health insurance. The increasing complexity of industrial service economies has brought large numbers of persons together, and the group mechanism has enabled insurance companies to reach vast numbers of individuals within a relatively short period and at low cost. Group insurance also has extended protection to a large number of uninsurable persons. Equally important has been the fact that the employer usually pays a large share of the cost. Moreover, in most countries, including the United States, the deductibility of employer contributions and the favorable tax treatment of the benefits to employees make it a tax effective vehicle with which to provide benefits.

Another significant factor, and one of the more cogent motivations for the rapid development of group insurance, has been the continuing governmental role in the security benefits area. Within the United States, Old-Age. Survivors, Disability, and Health Insurance programs has expanded rapidly, but many observers believe that, had not group insurance provided substantial sums of life insurance, health insurance, and retirement protection, social insurance would have developed even more rapidly. As economies worldwide continue to reduce the size and scope of social insurance programs, we can expect the demand for group based security to grow even more.

Disadvantages: From the viewpoint of the employee, group insurance has one great limitation- the temporary nature of the coverage. Unless an employee converts his or her coverage to an individual policy which is usually ore expensive and provides less liberal coverage, the employee loses his or her insurance protection if the group plan is terminated and often also at retirement because employment is terminated. Group life and health protection is continued after retirement in a significant proportion of cases today in the United States, but often at reduced levels. Recently, with the introduction of a new U.S. accounting standard (FAS 106) requiring that the cost of such benefits be accrued and reflected in financial statements, an increasing number of employers have discontinued post retirement life and health benefits entirely. When such continued protection is not available, the temporary nature of the coverage is a serious limitation.

Retiree group health insurance often is provided as a supplement to Medicare. Another problem of potential significance involves individuals who may be lulled into complacency by having large amounts of group insurance during their working years. Many of these persons fail to recognize the need for, or are unwilling to face the cost of, individual insurance. Perhaps of even greater significance is the fact that the flexibility of the group approach is limited to the design of the master policy and does not extend to the individual covered employees. Furthermore, group plans typically fail to provide the mechanism for any analysis of the financial needs of the individual which is a service that is normally furnished by the agent or other advisor. Many agents, however, discuss group insurance coverage with individuals as a foundation for discussing the need for additional amounts of individual life and health insurance.

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Is Your Domain Name Safe From Theft?

our domain name is registered somewhere out in cyberspace through an authorized domain name registrar. Do you know which one? Do you know who is listed as the registrant/owner of your domain names?

A domain name registrar is the organization or company responsible for providing domain name registration services to the public. A domain name registrar is either authorized by ICANN (the Internet Corporation for Assigned Names and Numbers, an organization dedicated to Internet governance) to provide registration services or is authorized by its respective government to register domain names within a specific ccTLD (country code Top Level Domain name extension). A registrar must also be authorized by the registry of a Top Level Domain to act as an agent of the registry to process domain name registrations, where the agent is not a reseller. The registrar is also responsible for creating and maintaining a WHOIS database for its customers. The number of registrars has exploded in recent years, with some being more reputable than others. Examples of domain registrars include GoDaddy, Network Solutions, Register.com.

God Helps Those Who Protect Their Domain Names: You know the sayings – an ounce of prevention – God helps those – a stitch in time. Nowhere are these sayings truer than in cyberspace. The internet is still akin to the Wild West. Lawlessness and chaos still abound. You would be shocked by the number of calls and emails everyday from established well-run companies who have lost control or ownership of their domain names. The cause of domain name problems is, more often than not, a failure of the company to protect its domain name from its own employees, third parties, vandals and scam artists.

Here are some tips that will help keep your domain secure from third parties, hackers, cybersquatters, pornosquatters, add-site squatters and other domain name leaches.

1. Control your domain registration information: You must be listed as the domain registrant with correct contact information in order to control your domain. Many companies hire web developers or internet service providers (ISPs) to secure its domain names and develop its websites. I can not state this more strongly. Never let third parties register your domain name without oversight and instruction. You must control information at the registrar level in order to control your domain name.

2. Control your domain account number, login name and password: The domain account password with the registrar is set by the domain owner at the time the account is created with the registrar. Keep your domain account number, login name and password secret at all times. If you forget your password, every registrar has a system to send your password to the listed email account. In fact, all changes to your domain registration account occur through the registrant email address. Hackers sometimes use their tools on registrar login screens to hack into your account and change your registrant information. Make sure your password contains both letters and numbers and both upper and lowercase characters. The registrar will not treat you as the domain name owner/registrant unless you are the email address who controls your username and password.

3. Control your employees: What happens when the IT person you hired leaves for another company? If that IT person’s email was provided at registration and you don’t control that email address, you may be in serious trouble. The same is true of business partners. When company founders have a falling out, domain disputes often occur. Also, be careful about using free email services such as email at msn.com or email at hotmail.com, which you do not use regularly. Many of these services will discontinue your account if you do not log in on a regular basis.

4. Lock your domain name: Every authorized domain registrar is required to allow you to “Lock” your domain name. Domain locking is critical because registrars who receive a transfer request from any third party will send you an email. If your domain is not locked, the failure to respond to the registrars email request for change is an automatic “approval” of the transfer. Locking your domain prevents this from occurring. You will know if your domain name is locked if you see the words “Registrar-locked” when you view your domain name at the registrar or Whois database level.

5. Regularly check your domain registrant information: Check the Whois database on a regular basis to ensure you are listed as the registrant with all the appropriate contact and email information. Whois information is listed through your registrar or through 

6. Beware of spam emails, which pretend to be your registrar: You will receive spam from companies pretending to be your registrar, or mail asking you to sign papers again purporting to be your registrar. You must be extremely careful when responding to any request for information or authority about your domain by mail or email. Ninety percent of what will likely come into your inbox is essentially fraud. If you are not absolutely certain that the email is from your registrar, you should not respond. Many people sign or respond to emails, which provide authority to give your domain name up to someone else.

7. Don’t forget to renew your domain registration: Some companies simply fail to renew their domain name registration when it expires. If the email for the contact person is bad, the company never gets notice that its domain name is expiring. Many cybersquatters, or worse yet pornosquatters, have already paid money for rights to the domain name if it expires. They want your domain because it already has built-in traffic that they can turn into money by replacing your web site with an advertisement or link site, or a pornography site.

8. Establish your domain name as a trademark: Most of the domain name laws are designed to ensure that the proper company has the right to its domain name. These domain laws are tied directly to your trademark rights in the words used for your domain name. Registering your company or domain name with the appropriate trademark office gives you tremendous leverage in protecting your domain name in cyberspace.

9. Call an attorney: If you do lose your domain name, contact an attorney who specializes in this area. There are laws and remedies available which might help you get your domain name back. Domain names are valuable property and should be protected no different than a company’s customer list or its trade secrets. Many companies rely on their domain names and web traffic for substantial revenue. While domain name law firms can help your company get its domain names back once lost, it is rarely without serious business interruption and the investment of significant resources. The best course is to protect your domain name on the front end. An ounce of prevention is truly worth a pound of cure.

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Relationships: Are There Four People In Every Relationship?

There are individuals out there that are in an open relationship and afterward there are individuals out there that aren’t. With regards to a relationship that is monogamous, it very well may be said that there might be two individuals included.

In contrast to the next kind of relationship, every individual will just have to consider one other individual. On the off chance that they were not in this kind of relationship, the two of them would have unmistakably more individuals to consider.

A Very Different Dynamic

Every individual would have a connection to the next and the two of them would have a connection to others. Because of what is happening, a ton of their time could be spent on this aspect of their life.

Then again, the two of them probably won’t have a forceful passionate association with one another or to the others in their life. In this way, while the two of them will impart their bodies to one another and others, very little else will be shared.

On The Surface

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Notwithstanding, albeit every one of their connections won’t have a lot of profundity, they are as yet going to require a great deal of their time and energy. Thus, the two of them could arrive at where they are not, at this point keen on encountering life along these lines and need more profundity.

What got going as fun toward the start could now be viewed as something that is tedious. Subsequent to arriving at this resolution, they may accept that it is smarter to simply be with one another or one other individual.

A Different Experience

With regards to this sort of relationship, somebody is simply must be there for one other individual. In this sort of relationship, a greater amount of them may need to appear and there could be unquestionably more development required than there would be something else.

Without a doubt, having an open relationship will bring difficulties yet a great deal of these difficulties are probably going to be distinctive to the ones that emerge in a monogamous relationship. One explanation behind this is that through shaping a more profound association with one individual rather than a more surface-level association with various individuals, distinctive internal injuries are probably going to rise to the top.

An Analogy

One perspective on contrast is contrast short distance running and significant distance running. Having the option to run for a short distance will take a particular kind of wellness, while having the option to run for a significant distance will take another.

In the two cases, there will be difficulties, yet the last will take more strength and energy than the previous. Therefore, to go further will expect one to burrow further and to confront torment that they wouldn’t have needed to confront.

A Half-Truth

Presently, while they might be with one individual, it doesn’t imply that there may be two of them in the relationship. The purpose behind this is that they are both going to have an internal identity.

One’s internal identity, alongside the other individual’s internal identity, is frequently going to affect how they act. Having this agreement will permit one to be all the more arrangement and for their accomplice to be the equivalent.

For Example

As the relationship develops constantly, internal injuries will be set off and this can make the two of them carry on in manners that are abnormal. During this time, their internal identity will dominate and their grown-up self will go disconnected.

On the off chance that one has this arrangement, it will be much simpler for them to comprehend what is happening when this does occur and to not think about it literally. A similar will apply to one’s accomplice when ones internal identity dominates.

The Alternative

On the off chance that one doesn’t have this agreement, they can become involved with what happens when their accomplice’s internal identity dominates and this will make it hard for them separate their injured kid self from their grown-up self. Further, it will be more hard for them to sympathize with their accomplice and to be merciful.

Eventually, this part themselves can basically dominate, so it won’t be like their accomplice is intentionally deciding to act in a manner that is ruinous or hurtful, for example. It will be significant for them to remember that they, when all is said and done, will likewise have minutes like this and they are probably going to value having accomplice who can see past what is happening.

The Other Element

Staying alert that they have an internal identity that will here and there take over is one section; the other part will be for them to assume liability for what occurs. Monitoring what is happening and finding a way to recuperate what has been set off will permit them to determine what is happening and for their relationship to advance.

On the off chance that one, or their accomplice, doesn’t have the mindfulness or find a way to determine what has been set off, it will be much harder for the relationship to advance. After some time, it could cause their accomplice, or them, to sincerely or genuinely leave the relationship.

Mindfulness

In the event that one can identify with this and they need extra help, they may have to connect for outer help. This is something that can be given by the help of an advisor or healer.

Writer, groundbreaking author, educator and expert, Oliver JR Cooper, hails from England. His adroit critique and examination covers all parts of human change, including love, organization, confidence, and inward mindfulness. With more than 2,000, 500 top to bottom articles featuring human brain research and conduct, Oliver offers trust alongside his sound guidance.

Article Source: http://EzineArticles.com/10330117

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WordPress WordCamp 2008

Matt Mullenweg, one of the founding developers of WordPress was the keynote speaker at Saturday’s WordCamp event in Provo, Utah. His speech included a summary of WordPress developments this year and included a large list of what’s next for the fast-growing, free blogging service.

The WordPress blogging service started with only 5 developers and 2 blogs. In the beginning the developers focused on building a system for friends who were not technical in order to help them join the web community. The goal was to develop something that was both simple and user friendly. Currently WordPress.com has about 4 million new posts and 6.5 billion page views per month. WordPress has had a strong development schedule which has continued to accelerate.

WordPress 2008 Year-in-Review

In 2007 there were 1090 commits made and so far in 2008 there are already 2840. WordPress has made 11 releases in the last year alone which is much higher than normal. The WordPress team also just added 3 new core developers increasing the development team back to five full time members. The upcoming WordPress 2.7 release is currently scheduled for November 2008.

In the year 2007 there were 2,849,349 downloads of WordPress tracked and in 2008 they have already surpassed 11 million downloads. This number does not include the number of downloads and installs from hosting companies which would significantly increase that number.

Combating Blog Spam

Over 5 billion spams were caught in the last year with 99.925% accuracy using the WordPress Akismet plugin. This shows that Akismet is staying very high on accuracy. There is a new type of spam that is now getting through due to spammers being very clever. They are starting to copy comments on other posts and change the URL referenced to gain a free link. Spammers are also paying people to go in and leave relevant comments and spam you with their links in them. The most common is spammers leaving kind remarks and compliments and having the webmaster approve the messages due to them feeling flattered by the positive remarks.

WordPress Mobility

Due to the website friendly nature of the iPhone and the success of the iPhone application (over 100k installs) WP is considering the creation of some new apps for other platforms as well including the blackberry and other mobile handsets.

WordPress Plugins

WordPress plans on improving their observance of plugin stats. Mullenweg mentioned there is a plan to watch the bottom 1000 plugins to find the new and upcoming trends. It is easier to see what is gaining fast popularity when monitoring the tail end of the plugins. He also mentioned the use of intelligent tails or the monitoring of the use of plugins and packages in order to gain valuable intelligence from the free market. Currently there are a huge number of features brought in via plugins. He mentions a few examples such as one that does real estate management and another that is an independent record label system.

Thoughts on PHP5

Matt Mullenweg predicted that PHP5 would fail early on due to its lack of major changes. He was wrong and fully admits it. PHP5 is now being used to host WordPress in 79% of WordPress installs. This means that when PHP4 usage falls below 10% or so they will pull the trigger and move ongoing development and support to PHP5 only. This will allow them to speed up and optimize the WP system.

The Future of WordPress – WordPress 2.7 Live Demo

Included during his speech was a live demo of WordPress 2.7. Version 2.7 is expected to be released sometime during November of 2008 and currently has 13,000 blogs testing it.

One of the key features of 2.7 will include a dashboard redesign. Mullenweg began by apologizing for a lack of tests regarding usability with a previous dashboard redesign. This time there is much more focus on ensuring that there won’t be issues such as the large number of user complaints which came with the removal of the edit feature in comments.

Version 2.7 also introduces a number of major changes with one of the largest being the dashboard navigation being moved to the left hand side. This new navigation has expandable categories that can be viewed in real time when you click them (i.e. no waiting for the page to reload etc.) The right side of the default dashboard setup has a quick blog post and the center features an inbox. The dashboard still has stats and other dashboard features WordPress blog owners will be familiar with. The whole dashboard has been built in ajax which allows changes to be made on the fly. Users will therefore be able to, for example, drag a section in between columns to move stuff over and around as well as the ability to hide or show specific sections.

Other key changes include:

A new sticky posts feature which will allow bloggers to keep important or interesting posts at the top of their blog’s homepage.

An insert media button has been added which allows for one click uploading of pictures, video, audio, etc. WordPress will automatically know what to do with the media uploads and will set them up appropriately.

Inline editing – you can see your actual blog and quickly edit tags, categories etc, or mass edit an entire batch of posts at once to add new tags etc.

Comments API – most commonly people edit comments and check stats, now you can moderate, approve, delete etc. and reply to comments via your mobile phone as well as the dashboard. Comments can now be threaded (you can enable it and have limits set etc.) which allows you to have conversations without the current hacks that people do to keep a conversation linear.

Keyboard Shortcuts introduced for moderating comments

Automatic plugin installation and upgrades via the browser. This includes the ability to search, upload, upgrade, install, and manage plugins from within the dashboard. It will also allow for one click installs for plugins that are in the WordPress.org library. Mullenweg also mentioned a goal of including this same feature for themes in the future (i.e. search, install, upgrade etc. all with a simple, intuitive interface).

Upgrades – one click installers built into the WordPress.org website.

Security is an increasingly important aspect of WordPress development. Currently there are over 20 US government entities using WP including: Air Force, Army CIA, Coast Guard, Department of Energy, Homeland Security, State Treasury, DEA, Marine Corps, FBI, National Security Agency, Navy, National Reconnaissance Agency, Geospatial Intelligence Agency, and the Defense Intelligence Agency.

Mullenweg also discussed what he considers to be upcoming blogging trends. The use of media, namely photo galleries and videos are going to become more main-stream in blogs. Additionally this includes bloggers making posts that can just be a comment, a video or some small item on its own, and the ability to include the media content inline with your post. This will allow WordPress become a more complete hub of information.

He continued to discuss WordPress as a hub noting that people’s blogs will become their best possible social profile and they intend to make it so when you post something on another social site such as Twitter or YouTube it will work on WordPress. Of important note there he mentioned that your data will live on your blog and in your database so you don’t have to worry if the other site goes down, you will still have all the data and stay in control. This hub system is a long term goal of their team.

BackPress is another system he discussed which will help show the underlying framework for WP and Theme Press, their user systems, internationalization, security systems, etc. making it easier for developers to make use of the WordPress base.

Another exciting development in the works is BuddyPress. This will allow users to have take a group such as a Boy Scout, church, or team and build a small “Facebook in a box” type of system in which you can have a full set of plugins and extensions that build a small social network with activities, profiles, interests, photos, groups etc. – all in a small private group. BuddyPress will allow small groups the ability to develop their own public or private social-networking site.

Mullenweg also discussed an improved feedback loop – trying to incorporate user feedback and testing earlier in the process of making updates. A core goal with this is the desire to incorporate more “normal” people in the process of development.

Mullenweg also mentioned how he feels that this is the year of themes. While everything used to be plugin driven, themes are really taking off with new automatic plugins built into them. They are being used for things such as a monotone theme which can make your site change the backgrounds to be complimentary to the photos you are updating.

What Else if Coming Up for WordPress?

Launching sometime in the near future will be WordPress.tv which will be a video site with screencasts that will show WordCamp videos including key speakers. This service will be searchable, include tags, and will also include HD video content.

Some Interesting WordPress Statistics

WordPress Usage Statistics:
5,671,649 WordPress.org Blogs – also includes WordPress.mu (multi-user version that hosts multiple blogs)
4,831,429 blogs on the system have run updates are now using the most up to date version.

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How to Setup Hong Kong Bank Accounts

Opening a bank account in Hong Kong is relatively easy if you have all the correct documentation. You do not need to be resident or have a work visa to open a bank account. You may choose to open a corporate account for personal privacy or business reasons, however that will require more documentation and time than opening a personal account. Overall though, setting up a bank account in Hong Kong for personal or business use is a simple process.

Personal Accounts

To open a personal account you will need to provide proof of your address. If you reside in Hong Kong you need proof of your local address, such as a utility bill and an Identity Card or other official ID. Non residents need to provide a passport or other official form of ID and proof of their address in their home country. Often the bank will then mail a letter to the address you provide which you then show to the bank when you open the account.

If you choose an international bank you can open a personal account with an international bank that has offices locally and in your country of residence. If you choose a local Hong Kong bank you will typically be required to be physically present to open an account.

Corporate Accounts

To open a corporate bank account most banks will require private limited companies and offshore companies to submit the following documents and information:

  • A board resolution authorizing and approving the opening of a bank account and an account application completed and signed as authorized in the resolution.
  • Certified copies of the business’ Certificate of Incorporation, issued by the Hong Kong Companies Registry, Business Registration Certificate, issued by the Hong Kong Inland Revenue Department, and the business’ Articles of Association (MAA)
  • A declaration including the personal information for the company directors and principal shareholders owning 10% or more of the company, including beneficial owners, and for each director and principal shareholder and authorized signatory
  • An H.K. identity card or passport
  • Proof of residence
  • Sample signatures of the authorized signatories and a bank reference letter
  • A certified organization chart showing the percentage of shares held by each shareholder and beneficial owner of the company
  • If ultimate beneficiaries are trusts a certified copy of the trust deed with identification information for the trustees, settlers and beneficiaries
  • Audited financial statements if an ongoing business or a business plan if a new business
  • Offshore companies will need a Certificate of Incumbency and Certificate of Good Standing.

Hong Kong banks typically require the account signatories, principal directors and shareholders to be present at the time the corporate bank account is opened. However, banks with overseas offices may open a corporate bank account at one the bank’s overseas branches.

Specific documentation requirements vary depending on the bank. Once you select the bank with which you want to do business check with that bank for their specific documentation requirements.

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The Ultimate Guide to Buying New and Used Anime Movies

Anime is a term that has found integration into the American vernacular in the 1990s. Even before then the Japanese animation films known as anime movies were known in smaller circles – one only has to think of the legendary Gundam series – but it would take until just before the change of the millennium for these popular DVDs and also video games to achieve popularity with each and every segment of the population.

The biggest breakthrough came in 2001 when anime movies were shown, uncut, on the Adult Swim network. Suddenly the fan base had a dedicated home and before long anime would continue to grow not only the enthusiasm for these animated movies, but also sow a crop of diehard fans that would go to great lengths to obtain anime movies. Purists would go so far as to order hard to find movies from Japan and other outlets, while the average anime fan would forever browse through DVD stores in search of gems commonly overlooked by others.

Before long, the sale of used anime DVDs made these movies affordable for the younger generation of anime fans and with prices that rendered these used movies easy on the pockets of those who still get pocket money from their parents, the push to buy anime used from dedicated stores was great. This movement has now evolved to a vibrant Internet business that allows aficionados and resellers to sell and buy used anime DVDs and games with the help of the online marketplace.

Novices who are just now finding out about anime are sometimes surprised to learn about the large selection that awaits them at stores. This is especially true when shopping for gifts for teens or tweens hooked on certain anime movies. To this end, the ultimate guide to buying used anime movies is designed to give advice and offer some tips on how to choose the perfect anime movies for the children, teens, women and also men on your gift giving list.

Children

o Pokemon is the ultimate in children’s anime entertainment. Specifically “Pokemon 3: The Movie.” Rated G, it was released in 2001 and features the epic battle between Ash and Entei. The characters are well known and you cannot go wrong with this film.
o Parents wishing to buy one of the more recent anime movies should look for “Pokemon Ranger and the Temple of the Sea.” Released on DVD in 2007, it is popular for kids in the 7-9 age groups.

Teens

o Rated PG-13 because of its animated violence, “Escaflowne: The Movie” was released in the United States in 2002. It features strong emotions and has been an anime favorite with both teen guys and gals.
o For the older teen boy who is a hardcore fan of the genre and does not mind Japanese language, “InuYasha the Movie: Swords of an Honorable Ruler” is the surefire anime hit released in 2005. There is a bit of confusion when it comes to ratings, and even though the movie is generally not rated, Adult Swim attached a TV-14 rating because of the graphic battle scenes.

Women

o Perhaps it is the figure of seven year young Mariemaia, but women simply adore “Gundam Wing: Endless Waltz.” This anime came out in the United States in 2000.
o It has been called somewhat melodramatic, but “Sailor Moon R: The Movie” is a favorite with the ladies. The scourge of the Xenian Flower must be seen to be believed and you will do well to look for it when you are out to buy used anime movies.

Men

o Still little boys at heart, you cannot wrong but buy the men on your shopping list “Yu-Gi-Oh! The Movie: Pyramid of Light.” Rated PG, this movie features the famous anime battle between Yugi and Kaiba. Released in 2004, it is still one of the all time favorites of the genre.
o “Ninja Resurrection” is an enigma to the anime lover. It has sex, blood, gods and demons, but because of a deceptive marketing tactic – those out and about to buy anime movies were led to believe that the movie was related in some way to “Ninja Scroll” – it did not get the reception it deserved. For the mature viewer who enjoys anime movies and cares little about the marketing hype, this is a must have.

As you can see, buying used anime movies is a bit of an art in itself and for the true novice the pictures on the boxes may be deceiving. If you are buying for children, it is wise to stick with the known titles and to keep a very close eye on the ratings. Anime movies that are not rated are best purchased for teens rather than preteens and younger age groups.

Although the majority of adult anime movies appeal to both men and women, scan the story lines for the dramatic flair of the movie. If interpersonal relationships are highlighted, you might have found a certain winner for a woman. Conversely, if the battle scenes feature front and center, it is a fair assumption that this movie is geared more toward the male audience.