Retire a Young Military Millionaire

August 21, 2016

Being young and in the military has its advantages. One of the biggest rewards is a powerful force that will almost ensure that you can become a young military millionaire. There are simple steps you can take when you’re young that will help you harness the power of this force; making becoming a military millionaire a breeze.Attention young military personnel. You can turn that military paycheck into a million just by following a simple, consistent, investment plan. Just by automatically investing on a regular basis you could be on your way to an early military retirement. For example:-A $174 invested monthly starting at 18 years old could make you a young military millionaire by age 53.-A $701 invested monthly starting at 18 years old could make you a young military millionaire by age 40.Knowing how to handle your military money gives you advantages that the most people miss out on. You can afford an early military retirement just by following a simple investment strategy. Starting an investment plan young may be enough to ensure you become a young military millionaire.Because you have the power of compounding interest on your side it’s easy to become a young military millionaire when you start young. Compounding interest is defined as the interest earned from the initial money you personally invested from your military money plus the interest earned from the amount your investments have already returned. To clarify, the money that you already made from your investments starts to earn you money. That means that every year you are making money off money your investments have already paid you.

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By investing your military paycheck at a young age you are able to fully harness the power of compounding interest. This is due to the fact that your investments are earning you a return on the money already paid to you from the investment. The younger you start the faster and larger your investment account may grow. That’s why investing while you’re young and earning a steady military paycheck gives you a huge advantage.1) Save Money. The first step on the road to becoming a young military millionaire is to set up a simple savings plan. Pay yourself first by setting money aside into an investment before you start spending your military money. The habit of paying yourself first will benefit you throughout your life and will help you retire young.2) Invest Young. You may not of been taught how to invest in high school but don’t let that hold you back. There are simple investments available to the beginner investors that will get allow you to invest your military money young.The stock market offers some investment vehicles that are perfect for the new military investor. There are lower-risk investments that offer the potential for long-term gains that may help you to put your military money to work.One type of investment, known as broad based market index investments, may offer you a simple way to get your military money working for you. ‘Broad market index investments’ are simply investments in the overall market like the NASDQ 100 and S&P 500. To illustrate, one S&P 500 index traded fund will allow you to own a portion of all 500 stocks in that index. The S&P 500 index is one way for the new military investor to profit from the stock market without having to have a lot of experience.3) Consistent Investments. There is a basic military investment technique called ‘dollar cost averaging’. A dollar cost averaging plan is simply buying a fixed dollar amount of your broad market index investment at the same time each month. Your bank and brokerage firm can be set-up so it automatically invests the amount you want at the same time each month. Once this structure is set up you can sit back and just review your monthly statements. With a consistent military investment plan you could reap huge profits over a long-term.The basic investment method discussed will get your military money working for you. If you’re looking to become a military millionaire young there are other ways you can increase your returns. The investment vehicles discussed below take more effort however you will be able to reach your military millionaire status sooner.5. Real estate. Real estate investing can be credited with making the majority of young millionaires. It gives you the power of leverage so you are making money of money the bank loaned you. When done right you could expect to double your investment each year! Just by purchasing real estate while you’re young could easily make you a young military millionaire.

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The military offers many benefits that will allow you to become a homeowner. VA loans allow you to borrow 100% of the purchase price which means you won’t need money for a down payment in most cases. Combine that with BAH (Basic Allowance for Housing) for civilian housing and you can have your mortgage payments paid for.This is a huge benefit because you purchase a $100,000 home your property could be valued at over $570,000 in 30 years. The best part is using BAH you could of not even made a payment with your own money.6. Entrepreneurship. Being in the military you can start a part-time business that earns you an extra few hundred a month or one that surpasses your military paycheck. Either way it can help you to become a young military millionaire or just added another income so you can invest more. There are also tax benefits available to business owners that will keep more of your military paycheck money in your pocket.Becoming an entrepreneur can help you become a young military millionaire and give you the luxury of being able to retire young.The sooner you start investing the sooner you can become a young military millionaire. Start now and the take steps to become a young military millionaire today!

A Brief History of Female Sexuality – Part 1

October 31, 2016

Sexuality is a “condition” that is characterized and distinguished by sex and passion. It is, again, according to American Heritage Dictionary, “the quality of possessing a sexual character or potency.”I really like that one. Potency. That means power.Where “sex” is an act that has a beginning and end, “sexuality” is a quality, a sexual character and power. It has no beginning and end, no more than your personality does or your sense of aesthetics does. Sexuality is essential to your nature. It is you. It is your vitality. It is a wonderful thing.Of course, the two – sex and sexuality – are related, and very often delightfully intertwined. However, I would argue that while it is possible to be sexual without having sex it is pretty close to impossible to truly enjoy sex without being in touch with your own sexuality. Which, in and of itself, is a pretty good reason to want to embrace your sexuality.Too many women in the 21st century are divorced from their sexuality even as they participate in sexual acts. They may be having sexual intercourse with their partner or partners multiple times and reaching multiple orgasms but what they are engaged in is about as meaningful and deeply satisfying as riding an exercise bike. As a result, they come away from sex acts with a sense of “what’s the big deal?” or that felt good for the moment. Or, worse, they feel degraded and/or diminished; reduced to an object. For many of them, a good session at the gym would be more fulfilling – and might even provide a more satisfying release.My dear, let me be very clear – that is not the way it is supposed to be.Sex without sexuality is too often demeaning, it reduces the sexual act to little more than a heaving, grunting, often-sloppy and sweaty physical endeavor. It is not called the “beast with two backs” for nothing. If all you’re focused on is the “beast” part, the physical act, you cannot possibly be truly engaged in your own sexuality. Your sexuality is not engaged. And, when your sexuality is not engaged, you are removed from the power of the act.However, with your genuine sexuality engaged, there is nothing you cannot do alone or with a partner that is not uplifting, satisfying and consistent with the person your are – whether that’s a twenty year old college student or a fifty-two year old church volunteer. With your sexuality engaged, that heaving, humping beast with two backs is an explosion of wonderful passion.In short, it is and can be exotic and mind blowing. And when sex is emotionally deep and erotic, you and your partner are truly bonded together – rather than being the sexual equivalent of opposing and competing wrestlers, with you invariably being the one pinned down for the count, you are in control. You can be more or less dominant and be thrilled by either because no matter how you behave in a sexual encounter, it is true to who you are; it is true to your sense of your sexuality.Unfortunately, history has rarely embraced this uplifting view of female sexuality. It has long viewed male and female sexuality as opposing forces, in opposition and in competition to one another. Not as it should be.In ancient China, men who engaged in masturbation risked a complete loss of vital yang essence. As such, it was strictly forbidden. Women did not risk the same loss of their vital essence. The rules about female masturbation were much more specific and focused on a particular concern; women were free to masturbate as much as they liked, as they possessed an unlimited yin, however, they were warned against masturbating with foreign objects which could injure the womb and internal sexual organs.Because women were understood to have an inexhaustible yin essence, they could keep on having orgasms long after their male partners had been reduced to shrunken, limp lumps of flesh snoring alongside them, while female sexuality was expressed in multiple ways. In addition to masturbation, lesbian relations were encouraged. Male homosexuality was forbidden, however as such behavior was thought to result in a complete loss of yang essence. In this Chinese understanding, sexual relationships between men could only result in the net loss of the yang without any possibility of regaining it, which was possible with heterosexual relationships.Although a bit at odds with our modern sensibility, at least sexuality in ancient China was deeply rooted to a sense of essential essences. Sex was never just a physical act. Sexuality had everything to do with something basic in the nature of what it meant to be a man or a woman. Therefore, any sexual act was understood in the context of their fundamental essences – yin and yang.For this reason, prostitution was very much accepted in ancient China. Men seemed to think that engaging with prostitutes gave them the opportunity to gain additional yin from them, more than from “normal” women. Men could “gain” some of that essence from women. In particular, the belief was that a woman who had sex with many men began to acquire some of the yang essence from her customers, yang essence that could then be “shared.” Consequently, it was possible for a man to gain more yang from a sexual encounter with a prostitute than he lost and more than he could gain from relations with his wife who, presumably, only had sexual relations with him.This somewhat balanced the understanding of what essential male and female sexuality meant and began to change during the Ch’in Dynasty (221 b.c.e to 24 c.e.) when the role and place of women shifted from one of sexual energy to one of more familiar modern gender roles.When the Ch’in Dynasty shifted from the Taoist culture that had predominated China to a Confusianist culture, women’s roles and the understanding of sexuality and sexual behavior then shifted dramatically. No longer was sexuality and behavior determined by essential nature, by the yin and the yang. Instead, there was a more “traditional” – patriarchal cultural dynamic. The dynamic many of us are currently familiar with. Women were not just possessing of a different essence than men but they were considered inferior to men. Physical relations between men and women were found mostly in marriage and were only to take place in the bedroom. At the conclusion of such “contact,” all physical contact was to end – there was to be no contact even between husband and wife.In a way that is only too familiar to those of us in Western Civilization, sex itself came to be considered sinful and tolerated solely for the process of procreation.Even at the conclusion of the Ch’in Dynasty, when the Han Dynasty embraced a return to a Taoist worldview, new perspectives on sexuality and sex had taken hold. Taoism had become a more structured and organized religion, with its own churches and priests. So too, sexuality and sexual behavior had become more rigidly structured. Sexual behavior was formalized, even finding expression in written texts. Two of the most famous of these texts were The Handbook of the Plain Girl and The Art of the Bedchamber.In both, a “Yellow Emperor” sought to live a long, healthy life and to attain some degree or form of immortality through sex. In order to accomplish his lofty goal he needed to become an expert at techniques that would prolong his orgasm and allow his sexual partner to orgasm several times. By doing so, he would maximize the amount of her yin essence that he would gain from their encounter while minimizing his own loss of yang essence.While concerns about yin and yang are foreign to our understanding, one valuable insight we can gain from these perspectives is that sexuality was considered essential to who we are and that sexual mores change. This Eastern view is consistent with our understanding that one is a dynamic, constant sexuality fluidity and the other is defined by the times and circumstances of sexual behavior and roles. During times when the two were balanced, there was a sensible and satisfying cultural norm that blends sex and sexuality.Unfortunately, there have been too many other times when the two were in conflict. This back and forth seems to have defined much of Western culture and history, as well as the role of women and sex in our society. And, as frustrating as it is to find ourselves at the dawn of the 21st century still sorting out the power and need for sexual awareness and the ability to embrace sexuality. Fortunately, we are in a better place than women have been through most of history. We still have a long way to go for women to feel comfortable and confident with their sexuality and know the difference between sex and sexuality.In Medieval times people’s fears focused on three things: the Devil, Jews, and women. The fear of women was completely tied into the perceived threat of female sexuality. In the “dark, moist heat” of women’s sexuality, men became prostrate with fear and trembling, a fear and trembling that have continued to the beginning of the twentieth century and, in far too many places across the globe, to the dawn of the twenty-first century.Ironically, texts from the time display an astonishing detail of female anatomy and function. Men seemed to get the physical component right but when it came to understanding and embracing a woman’s essence, they fell far short. And these were not mere “common” men. As seems to be the case over and over again, the hysteria that punished women for being women came from the very minds and men who were capable of understanding physicality. The condemnation of doctors, “physics” and ministers might seem astonishing to us now – the stuff of witch hunts and fiction – but it continues to inform our sensibilities.The times taught that female sexuality was a serpent that was secretly guided into the heart. Goethe, writing about syphilis, used similar imagery when he demonized the disease as a beast and warning of “a serpent which lurks in the loveliest of gardens and strikes us at our pleasures”.In this poetic turn, Goethe captured the true “horror” of female sexuality and gets at the heart of men’s fear – it ensnares men in that “loveliest” of gardens, striking them at their “pleasures,” when they are most vulnerable.In the last half of the nineteenth century, when more “rational” thinking took over, the female disorders of nymphomania, masturbation, moral insanity, hysteria and neurasthenia were almost universally believed to be a serious threat to health and life and civilization. Most “experts” presumed these dire maladies were the inevitable result of reading inappropriate novels or playing romantic music.Novels and music?!As irrational as this might seem, there are still large, mainstream religious institutions which separate boys and girls, prohibit music and dancing, and discourage any contact with modern culture.Are we so very different than those who lived in the Victorian age?Then, there were instances of mass hysteria much like the Salem witch episodes in which women were taken with something called “menstrual madness” and insanity, diseases which required an immediate response and often a very radical “cure.” Menstrual madness was often “cured” by laparotomy and bilateral “normal ovariotomy.” This is the removal of normal ovaries known as “Battey’s Operation”.One professor of psychology, Charcot, gave public demonstrations of hysteria in women in the 1870′s that emphasized his belief that most mental disease in women resulted from abnormalities or excitation of the female external genitalia. Or, to put it bluntly, he masturbated these women in public!Now, these public demonstrations may strike you a bit pornographic because… well, according to our standards today, they were!You could be sure that these “clinical tutorials” were very well attended by scores of men who were only too pleased to witness – in the most graphic detail – the demonic role of the vulva and clitoris in the causation of hysterical attacks in Charcot’s young and, not incidentally, attractive patients.The Internet does not deliver anything any more graphic or pornographic.In an historical note, one of Charcot’s pupils was none other than Sigmund Freud, who attended these demonstrations at the La Salpêtrière for five months, repeated this fashionable view in his writings and lectures while also stressing the effect of the mind on gynecological and mental disease.There is reasonable evidence that Freud modified his case histories – excluding the realities of deviant sexuality and sexual abuse and replacing them with sexual fantasies which would be much more acceptable to the Viennese upper middle class who were his audience.I trust you are beginning to recognize a pattern here. There is a very clear thematic trend in the history of female sex and sexuality.During Victorian times, when much of our “modern” understanding of women’s sexuality found its voice, women were taught not to enjoy sexual activity. They were taught to actively repress their passions. They were actually taught – in so many words – that their enjoyment of sex existed in direct proportion to the moral decline of society.With that kind of burden, it is not surprising that few women felt any sexual desire and satisfaction. How could a woman embrace her lover in full joy when, in the back – or front – of her mind she held the belief, a belief imposed upon her by her teachers, her clergy and her family, that by doing so she was contributing to the destruction of all that was good in the world.Talk about a surefire way to inhibit pleasure and orgasm!For the Victorian woman, sex had one purpose and one purpose alone – to procreate. Ugh! Makes it sound like an unpleasant chore, doesn’t it? It followed from this that a girl or woman’s worth prior to marriage (the only social structure in which this procreation could take place) had worth only if she remained chaste and pure.Once married, she could expect to be engaged by her husband in conjugal acts only when “necessary.”Let’s pause for a moment just to parse the profoundly disturbing truths in that last observation. The first, of course, is that sex was reduced to an act that was engaged in only when “necessary” – presumably for the relief and release of the husband and to further the goal of procreation. The second, however, is more subtle and even more damaging. “She could expect to be engaged by her husband…” In regards to sex acts, and her sexuality, the woman was to be passive. She was nothing more than the recipient of someone else’s sexual wants, needs and demands – for purposes that she did not demand. She had no control over, no rights to, and indeed, was meant to remain ignorant and disapproving of her own sexuality.It is impossible to examine the nineteenth-century medical attitude to female sexuality and come away with the feeling that it was anything but cruel and heartless. We would be kind to call it ignorant. But it was too malicious to be merely ignorant. It was damaging and malevolent. With professionals, gynecologists and psychiatrists, leading the charge, the medical professions designed treatments designed to “cure” those serious contemporary disorders, masturbation and nymphomania.The gynecologist, Isaac Baker Brown (1811-1873), and the distinguished endocrinologist, Charles Brown-Séquard (1817-1894) advocated clitoridectomy to prevent the progression to masturbatory melancholia, paralysis, blindness and even death! A rational person might think that these professionals would have been tarred and feathered for their cruel views.A rational person would have been wrong.Society as a whole embraced their horrific view of women.Before becoming self-righteous in our judgments, however, we must ask ourselves, Have we changed so much? Compare the perspective and behavior of those Victorians to our modern world where this same operation is still being forced upon women and girls in Asia and Africa and certain religious communities throughout the world!Look at our own communities where young girls and women are made to feel ashamed and “dirty” for having sexual thoughts and desires.Still, things are much better than our Victorian past, when the medical contempt for normal female sexual development was reflected in public and literary attitudes. Consider that there existed virtually no novel or opera in the last half of the 19th century where the heroine with “a past” managed to survive to the end.The Victorian woman was reduced to simply a vessel. Oh, she was a highly-valued and a necessary “vessel”. After all, sex was necessary to further the biological imperative. (Imagine someone using a line like that in a bar! “Hello, my dear, would you consider furthering the biological imperative?” My guess is that someone using that line wouldn’t be getting laid that night!)Any sexual desire that a Victorian woman experienced was, by definition, contradictory to her virtue. According to The Physician and Sexuality in Victorian America (1974) by John S. Haller Jr., and Robin M. Haller, sexual promiscuity was an “ominous indication of national decay,” and not a sign of women’s liberation at that time.This was the dominant perspective during Victorian times. As bad as it was, Victorian times were not Medieval times. Even against this bleak backdrop, there were other points of view being expressed. Many early “love manuals” actually emphasized sex for pleasure also. These manuals took the position that there could be equality in the marriage bed. An early indication that for sexuality to flourish, there has to be an acknowledgement of the equal needs and value of the partners in the sex act. There has to be respect and value on the needs, wants and desires of each partner.These manuals took the revolutionary position that a women’s interest in sex depended upon her ability to seek satisfaction along with her partner. Sex could be an enjoyable act separate from its procreative imperative alone.Joy of joys!Of course, even these enlightened views were tempered by the presumption that indulging in sex too frequently was likely not a healthy thing and indicative of moral shortcomings.So, there were other, “quieter voices” that spoke out in favor of greater sexual expression and enjoyment. Unfortunately, the dominant view took the more powerful grip on the culture’s defining morals. During the 1840′s there was a greater emphasis on the health aspects of “conjugal discourse” and less on the enjoyment aspects. There was a tendency to advocate for even less frequency in sex than earlier years. William Acton wrote in his text, Functions and Disorders of the Reproductive Organs (1888), that women experienced “no need for sex.”No need for sex!? Certainly the idiocy of his position would have been disputed on its face.Of course it wasn’t. Not only was it not disputed but it was actually applauded by others, including women. Acton’s belief that women were apathetic to the notion of sex in marriage had a great ally in Mary Wood Allen, M.D., Superintendent of the Purity Department of the Women’s Christian Temperance Union. She held that “the most genuine love between a husband and a wife existed in the lofty sphere of platonic embrace.”Thanks for nothing, Mary! I guess her idea of a successful marriage was a husband and wife having a “sleepover” together, perhaps going so far as to hold hands and gaze warmly at one another as the night deepened around them.As if to prove that when it comes to silly ideas no degree of extremism is impossible, other manuals of the time embraced the idea of marital continence, which referred to the ” voluntary and entire absence from sexual indulgence in any form.”People who took this position pointed their boney, self-righteous fingers at women who deigned to seek sexual satisfaction and accused them of not leading “God-filled lives.” We have evolved remarkably since then. We tend only to call them names like “slut” or “nymphomaniac.”Thankfully, there were also sensible voices shouting to be heard. Sometimes, the arguments seemed to build on the foundation that women did not desire sexual satisfaction, as the argument of Elizabeth Blackwell, a physician who believed that female’s lack of sexual lust came from a fear of injury in childbirth. Implicit in her belief was that women lacked sexual desire or lust. So too when she noted that women were passive because men would be rushed to perform quickly, leaving them without gratification.At least her observations hold true in one fundamental aspect – women have consistently blunted their sexuality and sexual desires in order to maximize the “gratification” of men.There were enlightened voices crying out. Not everyone was blind to the truth of women’s sexuality. There were physicians who argued that a women’s capacity for sexual gratification was at times more intense and prolonged than the males. These physicians viewed ignorance as the root of the problem women had with sexuality. They argued that women’s lack of sensible sexual education had taught them to believe that any sexual feeling was “indecent and immoral.” As a result, women had become a race of sexless creatures, little more than “married nuns,” who experienced no pleasurable feeling during sex.But no matter how loudly these voices cried out; no matter how reasonable and rational their arguments, they did not carry the day. Acton’s view remained the dominant articulation of women’s sexuality from the late 1800′s through the middle of the 20th century.

Viral Advertising Business Performance

October 15, 2016

Why use viral advertising strategies in your business marketing efforts.
Using shock therapy to implement an online advertising campaign for your business.
Using viral advertising in your social media marketing and Facebook Fanpages will excel your results much faster.
Don’t shove your advertising message down their throats, let it go viral naturally.
Present unique and creative advertising campaigns to increase traffic and expose new prospects.
Creating a viral epidemic of buyers is your main business goal with your advertising strategy.
Learning to leverage your advertising budget for sustainable momentum.
Establish a success formula that can be repeated in your business viral advertising over and over again.
Add the most important ingredient to your advertising campaigns and that is creativity.
Be prepared to embrace new technology, software and APPS in your marketing strategy.1. There is nothing more effective in promoting your message as a good viral advertising campaign. Viral advertising is designed to use the power of many and inspire others to promote your message for you. This is simply “word of mouth” advertising, is amazingly effective. A business owner can start a viral advertising campaign with no money invested, and let the online community spread your message like wildfire. You can now save advertising money that you were spending on newspaper ads, flyers, door hangers, and even TV commercials. Viral advertising is estimated to be 500 and even up to 1000 times more effective that a regular ad campaign.If you can learn how to express an idea with commitment and dedication that has an emotion attached to it, you will get people’s attention. It doesn’t matter if you are a madman or idiot, even bad press gets good press time. You can’t please everyone but you can get an emotional reaction out of most people, when owning a strong opinion and sharing it. Being neutral in your viral advertising will not bring you in the sales. Have something to say that will impact their life, or at least make them react a bit. Don’t worry about whether or not they love you or hate you, just be confident that your product is worth their attention either way and stay committed to gaining their trust.2. Get your business noticed by shock marketing, state something completely unexpected that will make them stop and read more. Being dramatic and doing something out of the ordinary with your product gets attention. Are you just marketing advertisements, or are you marketing an extraordinary exiting story about your product. If you Ad is interesting and highlights your product in a subtle way, you will keep people’s attention longer, and get closer to bringing them to the “I want” it stage. Viral advertising is 100% about emotions, so take them by surprise and do something totally unexpected.3. Set Up Exciting Viral Content in Parts and then sequels, where the viral advertising message continues.Ever hear of Part 1, Part 2 and Part 3 – once you create Part 1 they start looking for where do I find Part 2 as they want to know the end of the story or the end of the feature comparison prompting them to purchase your product. Make sure you keep their attention once you have it by providing a “Call To Action”. Sell them on the value of why they need your widget, gadget or useful product then introduce an offer they can’t refuse to purchase the product.

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The next step is to motivate them to share your awesome and exciting presentation with another associate. This is the meat and potatoes of viral advertising, present information that is so interesting and unique that everyone wants to tell someone else what they read, heard or saw. Set up your “Shock Wave” content so that others can download and then embed it into their own blog or email to others. Upload a short video series on all your advertising “bloopers”, or business bloopers, maybe trying to put together a piece of furniture or equipment and getting it all wrong the first time. Then provide another “Call To Action” using your Facebook Fanpage that they can “Like”, along with the other top social media sharing sites.4. It is not surprising to hear that many consumers feel jaded when it comes to online shopping. Nobody wants products shoved down their throats through mass advertising methods and using hard sell marketing. If you want to get the consumers attention in this fast paced modern world, you need to be unique and most importantly interesting. Smart consumers are quickly distracted from boring content and they will turn a blind eye and a deaf ear to your viral advertising message.A proven and trusted method of advertising and marketing that get results is viral advertising, and fortunately for the marketer new software developments can make all the difference. Your personal recommendation is still stronger than any other form of advertising on the planet period! People trust people, and with smart phones using text messaging by the second, and social media sites getting posted on every event of the day, if you have presented your product offer in a way that makes them remember you, you have one half the battle.5. By fulfilling some unique marketing strategies you remove your business from the mainstream humdrum advertising practices. It’s a known fact that many people feel frustrated with the usual conventional way many businesses sell their products. Don’t let your business fall into this pitiful trap of no return. Step to the plate and be the one who stands out in the crowd, who motivates prospects to burn blisters on their fingers, texting about your great buy of the day.Business owners are becoming much more conscious of profits and losses due to advertising decisions they have made, and it’s impact on their ROI (return of investment). So the questions comes forth “can we affect people from the inside, from their emotional self and not just from the mind”? So is viral advertising becoming not only the new trend but the must have trend to succeed online. It is our ability to influence the mass public at large that creates successful viral advertising campaigns. Ads that influence the behavior of the viewer in such a ways that they are motivated to share their exciting experience is the purest testament of what viral advertising is all about. If enough of their friends and contact embraces their excitement over what they have been exposed to the viral advertising cycle begins to circulate.6. Your ultimate goal of course would be to create an viral advertising campaign that causes a behavioral epidemic of buyers. An infectious viral result where everyone wants to be able to say “Yes I Saw That”, or “Yes I heard about that”, or “Yes I watched that”, so that they appear to be in the loop with the latest and newest hot selling protégé. Some marketers prey on the idea of owning a “Secret”, something so special that only a few get access to it. It then becomes an obsession everyone wants to know the secret and will go to any length to get access to it. If you can only offer medium media exposure of your product, then relying on these viral advertising methods becomes essential.So is your goal to place an advertisement that is seen by 10 who tell one person each, becomes 20 who tell one person becomes 40 and so on. Or do you want real viral advertising success where you place your viral advertisement and get 100 who tell 10, who tell 10 who tell 10. So who is in control here, the business marketing manager of course, the one who decides how the advertising budget is allocated. Is he reserved and old fashioned, or is he brave and uninhibited and adventurous. It is an knows fact that Viral Advertising does in fact work very effectively, and it is the business owners goal to seek out a reliable viral advertising business source.7. Once your viral advertising campaign has become viralized, it is proof that you have found a suitable target market audience for your product. Once this is identified, you can leverage your viral advertising budget maintaining a perpetual cycle and not a static ad campaign. In order to always be able to identify your most effective viral advertising campaign, it is important to use proven methodologies with specific tracking measures built right in.8. So does your business have an “Online Viral Advertising Formula”? Is your business aiming high for thousands of hits, a true testament of a successful viral advertising campaign. Marketing consultants know that the more informative your advertising the more persuasive it will be to the consumer. What really makes the consumer decide to purchase your product is based on the content provided in the advertisement more than it’s layout or and whether or not their is something worth sharing, or texting about.With the ever changing fast moving internet world coming up with a formula for viral advertising is not an easy task. A good rule of thumb is “What motivates you to share a viewed advertisement is different to what motivates you to get out your credit card and finish the purchase.9. Going back to our conversation about emotions, if you can make someone laugh or gasp or look in disbelief to what they are viewing your chances are the best that they will share that experience with their friends, associates, and followers on social media sites.The magic of every successful viral advertising campaign begins with a great unique idea. The one main ingredient in all online successful advertising campaigns is creativity in your graphics, your presentation, your keywords and your identified target market. Training business owners though to give each viral advertising campaign they embark on time to mature, time for the seed to sprout, time for the momentum to build and the rewards to pour in from all their hard work and efforts.

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10. Don’t be shy to take advantage of the ever fast changing technology world to benefit your business advertising efforts. Finding a great viral advertising business can be a real game changer for your online advertising results. Most importantly look for a viral advertising business that is free to join, and that uses state of the art software designed to drive your business into the next galaxy.Viral advertising will always win in the end simply due to the abundant measure of viewing numbers. A strong viral advertising strategy will encourage individuals to share an article, a podcast, a video or simply an online advertisement, resulting in exponential exposure by it’s massive influence.The rippling effects of one single viral advertising message can literally reach hundreds and even thousands of readers in a few short hours. You can quickly enhance your viral advertising success by offering a free give away product. This “FREE” product can be a small physical product that can be mailed out, or it can be a digital product that is delivered instantly online.It is a well known fact that “FREE” if the most powerful word a marketer can use in any viral advertising campaign. Often the business owner experiences what can be called delayed gratification when using the “FREE” power word in their viral advertising campaign. Add the common expression “OTO” or One Time Offer” that almost always follows a free give-a-way, and you have a winning combination. First you got their attention, and then you offer them something of such great value, they can’t afford to say “NO” and purchase it while it is so cheaply priced.Always keep in mind that the whole purpose of engaging in viral advertising methods is to spread an idea, and that idea while it is spreading throughout the internet, actually helps market your niche business or product and is attached to your website.Have you noticed how business owners have become obsessed with Free exposure in any arena? Too many times marketing campaigns have been thrown together much too fast and may get attention but your product or company does not.ClosingPeoples attention are so fragile, try designing your viral advertising campaign with a strong viral element built right into it. Getting your media to go viral is not the hardest part of your marketing strategy, the most challenging part is getting your media to produce tangible results that show up in your bank account.

Sexual Roleplaying – What it is and the Best Way to Do It

September 7, 2016

Roleplaying is simply when participants adopt and act out characters that are not themselves. Sexual roleplaying therefore is when couples act out characters with an erotic motivation as part of a sexual fantasy. It can range from being serious with costumes, accents, props, etc. to just being something that is imagined, like being stuck on a deserted island. Practically any role could be involved in sexual roleplaying as long as both people involved are interested. Pretending to be someone you are not can be fun and exciting when done correctly.Roleplaying can also be good for a marriage as it may be an opportunity for a spouse to ask for something she has always wanted done to her or done for her, but never felt comfortable asking for. For example, in a roleplay where the wife is the dominant person (boss) she might feel more open about telling her husband (employee) that she wants to have her body rubbed in a certain way that she had never asked for before. The reduction of inhibitions can be great for a marriage as inhibitions are a killer of sexual enjoyment.Some roleplaying scenarios are:* Animal-related where one is treated as a non-human animal such as a dog or pony
* Hospital fantasies involving doctors, nurses and patients
* Stranger-related one or both spouse pretend to “meet” for the first time
* School related – Headmistress and Student or Teacher and Naughty Schoolgirl
* Photographer and Model
* Stripper and Client
* Business related – Boss and Employee, Boss and SecretaryIf this is your first time thinking about roleplaying, start with something simple, like Photographer and Model and then move on to ones where the acting requirement is a little higher.Roleplaying is a lot of fun and is easy, but there are a few important requirements:1. It requires open communication
2. It requires a willingness to participate
3. It requires honesty
4. It requires not taking yourself too seriously
5. It requires establishing rulesLet’s examine these requirements in a little more depth.1. Roleplaying requires open communication – Roleplaying can involve actions that when taken too far, might be uncomfortable for one or both partners. Let’s say a couple pretends to be strangers who meet in a bar. They pretend to have different pasts and even different names. As the night continues, the husband begins to feel uncomfortable being called a different name. As soon as he realizes this, he needs to be able to communicate with his wife that he wants to end the fantasy or just be called his real name and continue, or another option he feels comfortable with. Whichever he chooses, being able to discuss that with his wife, even in the middle of the roleplaying, is vitally important.2. Roleplaying requires a willingness to participate – Perhaps a husband wants to be the boss and have his wife pretend to be his secretary with a German accent. His wife should not worry about whether that makes sense, if she knows what a secretary does all day, or if she has any idea what a German accent sounds like. She should give it her best try and of course, have fun!3. Roleplaying requires honesty – The husband finds his new doctor very attractive so he gets his wife to pretend to be a doctor and tries to make the fantasy about his new doctor. This is NOT a situation in which roleplaying should be used, nor is it the purpose of roleplaying. The husband needs to be honest with himself about his motivations for the roleplaying. He may not need to tell his wife he is attracted to his doctor, but he definitely should not start a roleplaying session with the goal of thinking about anyone other than his wife. All sexual fantasy, including roleplaying, is just a tool that helps married couples increase their sexual pleasure with each other.4. Roleplaying requires not taking yourself too seriously – In a roleplaying session, the husband might pretend to be an airline pilot while the wife pretends to be a stewardess. Since neither of them have real airline clothing, they make do with what they have. His outfit leaves him looking more like a butler than an airline pilot which could lead him to cutting short the session out of embarrassment. Instead if he is able to play around and ignore the idea that he looks silly, he will probably end up having a great time.5. Roleplaying requires establishing rules – Similar to open communication, rules are important should something need to change or stop during a roleplaying session. This might be as simple as “no” means “no” or could be something that has been pre-arranged as in a certain stopping time for a specific situation. A couple should always stay where they are both comfortable even if a fantasy heads in an unplanned direction. Also, setting and timing need to be right (as with any sexual encounter). Perhaps a roleplaying scenario was planned for today and a wife comes home from a horrible day at work. A postponing may be in order. Again, the ultimate point of roleplaying is to have fun and enjoy each other.

Using Consumer Information on Wrinkle Creams

September 30, 2016

Consumer information on wrinkle creams can be found in magazine, newspaper, television and internet advertisements. It can also be found on consumer websites. Websites of the manufacturers’ of the products you are interested in should be checked out well. A reputable company will back its products’, be willing to back up the claims with real research. Such a company will offer free samples and trial period.Some of the claims made by wrinkle cream products are that their product(s) are the best and say things such as “1 out of 10 doctors recommend this.” They claim that you can get immediate results, something that has a grain of truth. When applied to your skin products can give you results but when the product is removed there is no improvement. True results happen over time and are much longer lasting.

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Consumer information may provide data about the ingredients including how they work and the effects they have on your skin. There are some ingredients that are very harmful and others that are extremely beneficial. The ingredients of wrinkle creams and other skin care products are listed on the label. The only problem is that this can be deceptive. For example, collagen is used in injections of the lips but this type is made of ground up chicken feet and beaks and ages your skin. You may see a couple of ingredients that are beneficial but they are only in minimal amounts – just enough so companies can legally list them.Petroleum and petroleum based products are linked to the break down of your skin. This includes alcohols and mineral oil. Nitrosamines can from when amines (DEA, MEA, TEA) become mixed with preservatives that release formaldehyde (bronopol or quatemium-15). They are known carcinogenic agents. Paraben, a preservative is used because it’s cheap and may be linked to cancer as well. Talc, found in cosmetics and powders has been linked to ovarian cancer when it’s used on the genital area.There are natural ingredients that are both safe and effective. There are plant based alcohols. They are very soothing to your skin. Aqua is not tap water. It is water that has been purified using reverse osmosis and high heat sterilizing processes. Active Manuka honey from the manuka bush is both antimicrobial and antibacterial.A group of three active ingredients are used as a base of skin care products. Phytessence Wakame heals dry skin and irritations. It helps to strengthen collagen and also strengthens elastin. It might aid tissue repair. Nano-lipobelle H-EQ10 is used because it can penetrate as deep as the seventh layer of skin easily. Anew agent called Cynergy TK lets the body to make its own collagen and elastin again. They all promote the necessary hydration of your skin.

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There are other natural ingredients such as grape seed oil, macadamia oil, and avocado oil. Beeswax is harvested from honeycomb and twice purified to get rid of all toxins and impurities. Witch hazel extract is astringent . It is also an antioxidant.Consumer information on wrinkle creams can be very helpful in choosing skin care products. It can also provide information on product recalls. It is advisable to check it out before purchasing anything.

What a Pharmacy Technician Does

October 13, 2016

What Does a Pharmacy Technician Do?I have been writing articles on why and how to become a pharmacy technician, but some recent feedback has made me realize I left out the obvious. What is it that pharmacy technicians do in a pharmacy? Most people figure they help the pharmacist enter prescriptions and count pills. This is true for an outpatient pharmacy, also called a retail pharmacy, but there are many roles for pharmacy technicians in healthcare. The rest of this article will list different types of pharmacy settings and the roles that pharmacy technicians have in these settings.Community/Retail Pharmacy:I have worked retail, and I prefer other settings; however, it is where a large percentage of pharmacy technician jobs are found. What a pharmacy technician can do is determined by the state they work via state laws and rules. In general, technicians cannot provide clinical information to patients or be the final check for prescriptions. In some states, technicians are allowed to provide information on over-the-counter (OTC) medication (ie, medications that do not require a prescription, such as, acetaminophen and ibuprofen). Pharmacy technician tasks include, but are not limited to:• Collecting patient information (insurance and personal information as needed)
• Entering and processing prescriptions in the computer system
• Filling and selling prescriptions
• Requesting refills from doctor offices for patients
• Compounding medications that are not commercially available
• Ordering medications
• Restocking shelves
• Answering the phone
• Working with insurance companies on approving payment for certain medications
• Maintaining the cash register and conducting accounting functionsHospital Pharmacy:There are many different roles for pharmacy technicians in a hospital pharmacy. I know this type of pharmacy best since this is where most of my work has been. The most common are technicians who work in the central pharmacy. In addition we have decentralized techs, sterile compounding techs, billing techs, OR techs, narcotic techs, database techs, automation techs, team lead techs, and buyer techs. These technicians as a whole perform the following tasks, but not limited to:

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• Filling new orders, this includes a variety of medications from oral medications to specially prepared sterile compound medications (including chemotherapy meds)
• Answering the phone
• Tubing medications (if the pharmacy has a pneumatic tube station)
• Preparing medications for delivery
• Delivering medications
• Assisting floor pharmacists with medication histories
• Assisting floor pharmacists with IV drip checks
• Handling missing dose calls
• Billing medications where nurse charting does not bill
• Maintaining the pharmacy database
• Restocking operating rooms and anesthesia trays with appropriate medication
• Dispensing and tracking all controlled substances throughout the hospital
• Maintaining automation equipment [automated dispensing cabinets that store medication on nursing units, automatic fill systems (typically called Robot-Rx)]
• Purchasing of all medication and supplies needed in the pharmacy
• Leading and managing the technician workforce, including upkeep of schedulesLong-Term Care Pharmacy:I have worked at a couple of long-term care pharmacies, and I think it is a great place to be a technician. They typically employee a lot of techs because the work load lends itself to a lot of technician tasks. These pharmacies provide the medication needs for nursing homes, assisted living facilities, and psychiatric facilities. The typical pharmacy is located in a warehouse. It does not have an open pharmacy for people to come to; they receive orders by fax and deliver all medications via couriers or drivers to facilities. The oral medication is filled in blister packs (cards of 30 tabs that are used to provide a 1 month supply of medication), or some other mechanism that provide the facility with an extended amount of medication doses that can be safely and cleanly kept until doses are due. Pharmacy technician tasks include, but are not limited to:• Filling new and refill orders (different from hospital because of the number of doses provided)
• Processing new order and refills coming through the fax machine
• Order entry of prescriptions and printing of labels for fill techs
• Sterile compounding of medications (although there aren’t as many sterile compounded medications as a hospital, there are still enough that most long-term care pharmacies have a few techs specialize in sterile compounding
• Billing medications to homes
• Controlled substance dispensing and documentation
• Ordering medications and supplies
• Restocking medications that are returned that are still suitable for reuse.Home Infusion Pharmacy:These pharmacies primarily care for patients that require some form of IV or other non oral medication, and want to receive the therapy at home (hence the name home-infusion). I have also worked in a home-infusion pharmacy. As a tech I had a lot of experience in sterile compounding, and found my self in any position that needed a IV room tech. Pharmacy technician tasks include, but are not limited to:• Compounding sterile preparations in the clean room
• Preparing supplies associated with sterile medication administration for delivery
• Billing medications delivered to patients home
• Coordinating deliveries of medications with patients
• Entering orders in the pharmacy order entry systemNuclear Pharmacy:No, I have not worked in a nuclear pharmacy (I am sure you were staring to think I got around quite a bit, but I have been in pharmacy for about 17 years). I have some friends who work in a nuclear pharmacy. The hours are interesting; they usually come in at about 3 AM and work until about noon. These types of pharmacies make radioactive compounds and they need to be made in a way that when they are delivered to the hospital or clinic administering them, that the dose has degraded to a specific amount. Without going into too much detail, these medications have short half-lives. So they have to time the compounding of the product with the time it takes to deliver the medication and the time the patient is to receive the dose. The job pays well, but as you can imagine, there are not a ton of these positions available. Pharmacy technician tasks include, but are not limited to:

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• Preparing radioactive products
• Cleaning and preparing sterile compounding areas
• Entering orders into the pharmacy system
• Coordinating dose due times with deliveries and preparation
• Billing products to hospital or clinicHealth Plans/HMO Pharmacy Group:I saved this one for last because it is a lot different. Most healthcare plans have a pharmacy department. They manage the pharmacy benefit of the health plan. I have worked with my companies health plan and have spent some time with the pharmacy department. Pharmacy technician tasks include, but are not limited to:• Answering phone calls and providing support for patients on the pharmacy benefit
• Reviewing prior authorization requests
• Providing support to physicians and drug companies for information requests
• Supporting the pharmacists in the department with database and projects as neededAs you can see, pharmacy technician roles can be very diverse. The best advice I can give you is to figure out what setting you would most like to work in and obtain some experiential hours in that setting. I have found that the type of pharmacy you train in is typically the type of pharmacy you end up working in.

The Difference Between SEO and SEM

October 4, 2016

SEO is an acronym for Search Engine Optimization. This is how a website purposefully designs it content, including their titles, content and meta tags, for the sole purpose of getting the attention of search engines like Google, Yahoo and the lesser known Bing. What SEO wants to achieve is an organic or natural flow of traffic to their websites that is not bought or paid for like we do when we pay for advertising. A search engine result is free.SEM is an acronym for Search Engine Marketing. It is a concept often associated with SEO, sometimes even confused with SEO. They have some goals in purpose but are very different in technique. SEM has come about because large search engine websites like Google have offered fees to show case ads on the top of their page listing. These are pay per click or PPC ad campaigns. SEM is closer to traditional advertising in that you pay for the direct exposure you are receiving. SEM has made it possible to be a website with high visitor content just because they pay more to be advertised and promoted by Google. Both SEM and SEO are sets of strategies to bring in visitors. Except you pay up front for SEM, it is a direct advertising strategy. While with SEO, you look for indirect ways to get noticed.Optimizing a website for search engines, will mean evaluating particular keywords and keyword phrases the internet users may type into search engines to look for service and products that an ecommerce based business may offer. The grit of SEO is editing website content with keywords. Including keywords and keyword phrases in tags and meta tags. Even links and HTML is edited to suit SEO. HTML and links are worked out in a way to get the website user to move a certain way within your website. Ideally, the website visitor is presented with links around the website, going from page to page to read information they are interested in. This design makes it so the website user does not leave the website immediately.

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SEO works best when the SEO professional does not try to find underhanded ways to cheat the search engine system. Such tricks will get a website flagged by the search engines, since they use practices that are discouraged. Even if the website does rise to prominence for a moment on the Google rankings, reading content over peppered with keywords will get the website pulled down even faster. SEO tricks like link farming, keyword abuse and page cloaking get picked up by the search engine algorithms and they push the website to the top of search results. You can trick the machine. But after people start reading your content, it becomes apparent that the website is a fraud.The best way to climb to the top is by following ethical SEO guidelines. Write good content with proper technical guidelines. You can learn to do this yourself. You can also hire a writing service who will do this for your. But if you want to really get out there the fast way, consider SEM. A Pay Per Click ad campaign means that you only get charged for clicks on the link to your website. You know exactly what you are getting for your money.Search Engine Marketing is guaranteed promotion for any business. Pay per click is one for few guaranteed strategies for success in attract the coveted targeted consumer. But you can and you should use both SEO and SEM at the same time. Both are invaluable resources. Here is a list of benefits that will be available to your website with the help of SEM:1. When somebody types in a query into a search engine, the search engine will present them only ads and banners in the same industry or interest of the query.
2. Pay Per Click is great for corporate awareness, aside from online sales. It increases the value of the brand name.
3. Pay per clicks and sponsored links are transparent. You know what your money is paying for, as presented by the numbers.
4. Keeping well written and informative landing pages will lead readers to explore your website and see what else is available.
5. You only pay for the traffic volume that the pay per click ad has brought in. And this traffic is select, meaning they have interest in your service or product.

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In a way SEO and SEM are the same concepts wrapped in different presentations. SEO will last longer because it is content based. You do not pay for it every time it shows up in search engine results. If the competition is low, your website will be highly ranked for a very long time. SEM operates with the same traffic volume objective buy in a different way using paid Ads, banners, sponsors and Pay per click services. It brings in traffic too over a shorter period of time, unless you can keep payments indefinite. But the websites that gain the most use both SEO and SEM aggressively.1. They get more traffic that increases exponentially if they keep up content.
2. They keep up with rankings over a long period of time.
3. They keep it innovative and fresh, so loyal visitors have something new to see and come back to visit again.
4. Content keeps up with relevance to search engine guidelines.
5. They cultivate repeat visitors who also become repeat customers.Being SEO ready means your website is easy to access, user friendly, and easy to navigate for the average user. There are gimmicks, games, polls, promos to entertain the internet user and keep them coming back. This attracts visitors and other websites to link to your own website.

Say Yes to Design and Multimedia Outsourcing

August 31, 2016

Current trend in multimedia and design outsourcingIn the recent age, web based global technological interaction has become the trend and most of the successful businesses have gained success through a strong web presence. This trend is so strong nowadays that it has become a must for the businesses to possess unique and interesting websites to enhance their business communication with their consumers. All the businesses need are decent websites that offer related information and useful content wanted by the existing and the potential customers. And in order to create a unique web site, you need to get the website designed by some professional web designers in addition; you can also include multimedia content in the website.Multimedia content usually refers to a mix of dynamic audio-visual content like audio, video, still image, animation and so on, along with static text. From web pages to company presentations and business newsletters, the use of design and multimedia is extensive.

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Why should you outsourceFor many companies, the need for having design and multimedia contents is quite seasonal and it is definitely not a good choice to appoint a part of your IT division just for this type of task if you do not have a regular flow of work for them. Therefore, this designing and multimedia content creation is usually outsourced to many companies where multimedia generating and designing are not included in the core Information system (like it is in the printing and media industry). And if you have already tried to get it done by any local design company, you probably have already experienced the expensive quotes from the local design studios.In order to keep focus on the core IT procedures and to get cost effective design solutions for the multimedia contents, many companies nowadays prefer to pick a suitable offshore design studio or a designer to get their work done. In a nutshell, the major benefits of outsourcing your graphic design and multimedia content creation are:• Cost effective solution offering competitive rate structure
• Wide range of skilled and qualified graphic designers and multimedia creators
• Complete consultation for your design and multimedia needs
• Fast and reliable service.
• Easy and continuous communication enabling quick response to feedback.There are many services offered by the offshore designers like creating web pages or any sort of multimedia content. The range of services offered by the offshore design and multimedia teams/individuals are quite wide. In the current market, the most common set of services are as follows:

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Graphic Design
• Company Brochure, Newsletters, Web/Print Media Advertisements, Product Catalogues,
• Logo design,
• Banner design for WebPages,
• Other web graphics and static webpage design,
• Official envelopes, business letterheads, visiting cards etc.
• Design of calendars, posters, diaries or other promotional materials.Multimedia Content
• Flash intro for Websites or Presentations
• Websites Based on Flash
• Flash Animations and Games
• 2D or 3D Multimedia Games
• Official Presentations
• Interactive or electronic catalogue
• Audio and Video Editing
• Web based brochure and business profile

India Debt Collection Business

October 31, 2016

Until the emergence of debt collection business, debt collection in India, was never treated as a specialized job and was always treated as one of the jobs that legal departments of the banks and financial institutions were required to undertake. A typical legal department of an organization would approach the collection job strictly as a legal issue rather than as a revenue collection measure. Litigation would be the only tool used for recoveries and no other tool was either known or used by the industry. Litigation as a recovery measure always had its own limitations due to long and winding court procedures the Indian legal system is always criticized for. On the other hand, foreign banking firms introduced the concept of specialized debt collection services. Debt collection services became one of the many services that began to be outsourced to specialized agencies. The collection business had a very humble beginning and it barely qualified as a specialized service.However over a period of time with the emergence of India as a global outsourcing destination the domestic businesses also adopted the outsourcing as an efficient business tool. With the result today, the third-party debt collection industry plays an important role in the Indian economy. The industry employs hundreds of thousands of Indians as collection professionals, who are servicing several industries ranging from banks, to telecom service providers to insurance companies. Typically, only small recoveries arising from periodic billing defaults by the customers are outsourced to the collection agencies. Not only the collection business has become a direct source of employment to thousands but its contribution to the economy is more pronounced because it helps infuse money back in the economy that otherwise would have remained uncollected. The economic benefits of third-party debt collection are significant. Citibank is the pioneer in introducing third party collection techniques in India.The debt collection industry in India also has grown sharply this year as higher borrowing costs; rising inflation and the general slowdown in the economy force more companies and individuals into difficulties. Underlying debt has gone through the roof and lenders and organizations increasingly want to move any bad debt off their books. Whether it is a high street bank, a credit card lender or a mobile phone company, growing numbers are turning to professional debt collectors in a more difficult environment.The debt collection industry in India is growing at a faster pace and is surely poised for growth. The credit card outstanding have shot up by a whopping 87% at USD 6114 Million during this year, from USD 2844 Million in the period year ago. The Reserve Bank of India (RBI) which regulates the banking industry in the country encourages banks to shift bad loans off their books more quickly because they will be required to hold more capital against risky assets that may default.COLLECTION INDUSTRY – UNREGULATED SCENARIOThe collection business has its own inherent shortcomings due to unregulated and primitive nature of this business in this country. The persons employed in the industry are untrained both in soft skills and legal skills. Being unregulated, the procedures are not standardized and there are no industry specific checks and balances. Still litigation is used as the last resort tool for recoveries. However the industry has been accused of manipulating the legal system to their advantage by using courts as their agents of recovery. It is seen that big corporations with large volumes of recoveries have unwritten understanding with the local courts at the lowest level. With the patronage of minuscule minority of pliable judges simple civil defaults are registered as criminal cases thus pressurizing the debtors into paying the dues. Slow and long civil recovery court process has no takers in this age of instant results where revenue targets are the most sacrosanct. Under such strict and cut throat environment, there is pressure on the banks to keep their account books healthy therefore such aggressive and extra-legal methods are employed for quick recoveries.

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GOVERNMENT / RBI INTERVENTIONDebt collectors in the past had a lot of leeway and it wasn’t uncommon for collectors to embarrass, harass or humiliate debtors by adopting extra-legal measures. In the absence of any regulatory regime the courts had to step in by laying down guidelines for the industry to follow. After the intervention of judiciary, the RBI woke up to the need of regulating the unruly collection agencies and laid down its own guidelines for the banking industry to follow.The guidelines prescribed by RBI are enforced against the banks that have contractually employed collection agencies. The banks in turn via their contracts with the collection agencies ensure that the RBI guidelines are followed. Now, under the RBI guidelines it is illegal to threaten violence or cause harm to debtor, use obscene language, or repeatedly use the phone to harass debtors. In addition, collection agents cannot seize or garnish a consumer’s property or wages without recourse to court procedure.The following are few of the core underpinnings of the collection process. These are the norms formalized by the top bank in India – RBI.1. DSAs/DMAs/Recovery agents to get minimum 100 hours of training.2. Recovery agents should call borrowers only from telephone numbers notified to the borrower.3. Each bank should have a mechanism whereby borrowers’ grievances with regard to the recovery process can be addressed.4. Banks are advised to ensure that contracts with recovery agents do not
induce adoption of uncivilized, unlawful and questionable behavior or recovery process.5. Banks are required to strictly abide by the codes pertaining to collection of dues.RBI in the draft guidelines issued for banks engaging recovery agents, has asked banks to inform borrowers the details of recovery agents engaged for the purpose while forwarding default cases to the recovery agents.The Reserve Bank of India has also considered imposing a temporary ban (or even a permanent ban in case of persistent abusive practices) for engaging recovery agents on those banks where penalties have been imposed by a High Court/Supreme Court or against its directors/officers with regard to the abusive practices followed by their recovery agents. An operational circular in this regard has been issued in November 15, 2007.Other LawsStill the non banking debts collection business is outside the purview of any regulator. There are no licenses or registrations to be obtained from any regulator to pursue collection business in India. The extant guidelines applicable to banking industry are found inadequate as they address only the problem of debtors’ harassment and the guidelines do not regulate the industry as such. The Government is well aware of the need of having a specialized legal mechanism for recovery of institutional debts which has become a huge problem for the entire banking industry.Every bank is grappling with the non-paying accounts, known as Non Performing Accounts (NPA) in the Indian banking parlance. The problem has taken enormous proportion and threatened the economy. Creation of Debt Recovery Tribunals in the year 1993 was a step in the direction of facilitating fast recoveries by the banks . The intention behind creation of such Tribunal was to ensure that banking industry was provided with its own recovery mechanism that was part of the legal system but at the same time exclusive to the banking industry. Bank debts above USD 22,727 could be recovered through the Tribunals.However, over a period of time it was realized that this new mechanism did not yield the desired result since the recoveries were still slow and due to shear volume of work, the Tribunal became like any other court. The whole objective of having a fast track and efficient recovery mechanism was therefore defeated. Bank debts still remained a major problem to be solved since it affected the entire economy of the country. The Government felt the need of having a mechanism that was minimally dependent on the courts for effecting recoveries since the legal system could not be reformed overnight. Therefore instead of reforming the court procedure the government did some clever thinking and came up with a legislation that minimized the intervention of court and empowered the banks with special powers using which the recoveries could be affected.The government thus came up with a new law Scrutinization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) where under the banks are allowed to liquidate security given by the borrower for recovery of their dues. This law also paved the way for creation of asset reconstruction companies that take over the security interest of the debtors. These agencies are thus another form of debt collection agencies that have been institutionalized.The need to share credit information among the banking industry was also felt in order for the industry to benefit from each other. Thus Credit Information Companies (Regulation) Act was enacted in the year 2005.INDIAN LEGAL SYSTEM AND COLLECTION PROCESSESThe Indian legal system is absolutely fair and assures justice to the party involved. There are remedies available under the law to collect the debt, if the debtor does not agree to pay under normal circumstances. The creditor may file a suit for his recovery. Debts based on written contracts could be recovered by following fast track procedure. If the debtor is a company, creditor / his lawyers may apply in the ‘Company Court’ for winding up of the company due to non-payment of substantial amount of debt. Summary trial is another way. The process may take time-1 to 2 years. Evidences are recorded appropriately and produced in the court of law, whenever required. There is also the arrangement of appeal to be filed at later stage.
US OUTSOURCING SCENARIOIndia has attracted many technology jobs in recent years from Western nations, particularly the United States. Now, it is on its way to becoming a hub in another offshore outsourcing area – debt collection. According to the industry report, units of General Electric, Citigroup, HSBC Holdings and American Express have used their India-based staff to pursue credit card debt and mortgage payment by calling defaulters.

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US debt collection agencies are the newest to start outsourcing their work to India and are satisfied with the results produced by the polite but persistent Indian experts. After insurance claims and credit card sales, debt collection is a growing business for outsourcing companies at a time of downturn in the US economy when consumers struggle to pay for their purchases.Debt collection is a vital and growing component of US economy. There is more than $2.5 trillion in outstanding consumer debt. As a result, the third-party collection industry makes more than one billion contacts with consumers each year. Recently this year, more than $39.3 billion in debt was returned to creditors.Indians have the advantage of lower salaries and other expenses, which cut drastically costs of collecting debts. Debt collectors in India cost as little as one-quarter the price of their US and European counterparts and are often better at the job. Many such Indian firms run 24-hour services. Indian debt-collection companies comply with strict regulations on operations in the American and / or European markets.
SUMMARYIndia has a long way to go in establishing a mature collection services industry. The collection business needs to be regulated and empowered with legal powers to become an effective tool. Already, there is a realization in the country that court dependent recovery is an inefficient way of way of debt collection. Creation of Assets Reconstruction and Securitization Companies under the SARFARESI Act is a step in the right direction of recognizing debt collection as an independent and specialized business function. While some progress is made for the bank debts but still for a large volume of unrealized non bank debt there are no professionally managed and regulated third party collection service providers. Non bank debts are largely unsecured that makes it even more difficult to realize. No big corporations and business houses are interested in acting as collection agents without there being an attraction of valuable security asset. Lawyers can fill this gap by providing collection services for non bank debts. Indian law does not permit contingency fee that makes the business less lucrative. India is therefore ready to benefit from foreign experience, expertise and ideas to create an efficient debt collection industry of its own at par with global status. This need is more felt now by India due to its global ambitions wherein India must adopt globally recognized practices and models. Transnational businesses need a uniform operating system for seamless transactions. Efficient debt collection industry will only instill confidence in companies doing business with Indian companies. Collection professionals have this challenge facing them of creating an efficient system that reduces people’s dependence on court supported recoveries.

Skip The Lines – Bring The Amusement Park Right To Your Own Back Yard

September 21, 2016

There’s no shortage of things to do in Atlanta. From professional sports to amusement parks, there’s something for everyone. In fact, Atlanta is proud to house some of the nations largest amusement attractions, including the ever popular Six Flags Over Georgia. Children (and adults) love the thrill and adrenaline rush of the large roller coasters. However, one thing most people don’t like about amusement parks is the long lines. By the time it’s all said and done, you can spend several hundred dollars for your family to have an afternoon of fun, and only get a few rides in. This year, instead of spending the day waiting in long lines for short rides, why not bring the fun right to your back yard? With today’s technology, you can literally do just that! One of the advantages of living in a large city like Atlanta is that we have large rental companies that can make your special event feel just like a trip to Six Flags… complete with a train and an ice cream cart!

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If you’re trying to replicate the amusement park feel, there are definitely specific items that you’ll want to be on the lookout for. As mentioned previously, ice cream carts and trackless trains help make the special event feel more like a day at Six Flags.In order to make your next special event more special, try some of the following tips:

Head online to do some research on the party rental company that has the selection your looking for. If you want an ice cream cart to complete your theme park adventure, look around until you find what you’re looking for.

Don’t settle for the first website you see. There are literally hundreds of inflatable party rental companies in Atlanta. Keep looking for a website that offers a wide variety of rental items that you’re looking for.

It’s better to rent everything from one company. Renting in bulk can help you save money. Larger companies will offer discounts for larger purchases of multiple units and rental items.

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Having a day of amusement park fun is cheaper and easier than ever before. By bringing the amusement park to your front door by using a party rental industry, you can include more people at a lower price. So next time you’re planning a special day, instead of spending tons of money for just a few people and braving the long lines of amusement parks, invite the whole neighborhood and bring the amusement park right to your own back yard!