Google Redirect Virus Fix – How to Get Rid of Google Virus

Infecting users via internet exposure and nooks and crannies found in unsecured browsers are the main causes of the redirect virus. So where does one inject the use of Google redirect virus fix? In order to properly employ its use first it is essential to understand what this threat is and what it does. The redirect malware lives up to its name, the infection causes a hijacking of any search or website visit a user plans to make. Instead of finding their site of choice the virus redirects them to fake websites containing ads and even corrupted pages.

The following fake errors are displayed by the vius

  • Internet explorer cannot open web page
  • filename.exe is not a valid win32 application
  • Setup files are corrupted Please obtain new copy of program

Being a browser hijacking utility it manages to infect browsers like IE and Firefox and then redirects internet users to the following malicious sites.

  • clearask.com
  • brittaniasearch.com
  • go.Google.com
  • web-analytics.Google.com

The redirect threat is capable of disabling activated firewalls and security software which can then lead to a remotely accessible system. This allows hackers to have access over personal information such as login names, passwords, financial records etc.

What are the symptoms to consider when one wants to implement a Google redirect virus fix?

· An unknown change of desktop background

· Changes homepage

· Browsers such as IE and Firefox slows down noticeably

· Corruption of registry files thus resulting to the dreaded “Blue Screen of Death”

· Contamination of messengers, freeware and email attachments are also sure signs.

How does Google redirect virus fix work?

1. Select Show Hidden Devices under Hardware Device Manager in your Windows Control Panel.

2. Search for “TDSSserv.sys” right click Disable. Do not select Uninstall otherwise the infection will reappear once the computer is restarted.

3. Reboot the pc.

4. Immediately update antivirus software and the Google redirect virus will cease to exist in your workstation.

It pays to be vigilant and alert when using the internet. Avoid malicious sites and constantly scan your system and update your security tool to avoid contaminations. It is also best not to rely on one antivirus software alone having another reliable application can help sift through the threats that the other was incapable of detecting.

A New Way to Invest in Property

The two most frequently asked questions by investors are:

  1. What investment should I buy?
  2. Is now the right time to buy it?

Most people want to know how to spot the right investment at the right time, because they believe that is the key to successful investing. Let me tell you that is far from the truth: even if you could get the answers to those questions right, you would only have a 50% chance to make your investment successful. Let me explain.

There are two key influencers that can lead to the success or failure of any investment:

  1. External factors: these are the markets and investment performance in general. For example:
    • The likely performance of that particular investment over time;
    • Whether that market will go up or down, and when it will change from one direction to another.
  2. Internal factors: these are the investor’s own preference, experience and capacity. For example:
    • Which investment you have more affinity with and have a track record of making good money in;
    • What capacity you have to hold on to an investment during bad times;
    • What tax advantages do you have which can help manage cash flow;
    • What level of risk you can tolerate without tending to make panic decisions.

When we are looking at any particular investment, we can’t simply look at the charts or research reports to decide what to invest and when to invest, we need to look at ourselves and find out what works for us as an individual.

Let’s look at a few examples to demonstrate my viewpoint here. These can show you why investment theories often don’t work in real life because they are an analysis of the external factors, and investors can usually make or break these theories themselves due to their individual differences (i.e. internal factors).

Example 1: Pick the best investment at the time.

Most investment advisors I have seen make an assumption that if the investment performs well, then any investor can definitely make good money out of it. In other words, the external factors alone determine the return.

I beg to differ. Consider these for example:

  • Have you ever heard of an instance where two property investors bought identical properties side by side in the same street at the same time? One makes good money in rent with a good tenant and sells it at a good profit later; the other has much lower rent with a bad tenant and sells it at a loss later. They can be both using the same property management agent, the same selling agent, the same bank for finance, and getting the same advice from the same investment advisor.
  • You may have also seen share investors who bought the same shares at the same time, one is forced to sell theirs at a loss due to personal circumstances and the other sells them for a profit at a better time.
  • I have even seen the same builder building 5 identical houses side by side for 5 investors. One took 6 months longer to build than the other 4, and he ended up having to sell it at the wrong time due to personal cash flow pressures whereas others are doing much better financially.

What is the sole difference in the above cases? The investors themselves (i.e. the internal factors).

Over the years I have reviewed the financial positions of a few thousand investors personally. When people ask me what investment they should get into at any particular moment, they expect me to compare shares, properties, and other asset classes to advise them how to allocate their money.

My answer to them is to always ask them to go back over their track record first. I would ask them to list down all the investments they have ever made: cash, shares, options, futures, properties, property development, property renovation, etc. and ask them to tell me which one made them the most money and which one didn’t. Then I suggest to them to stick to the winners and cut the losers. In other words, I tell them to invest more in what has made them good money in the past and stop investing in what has not made them any money in the past (assuming their money will get a 5% return per year sitting in the bank, they need to at least beat that when doing the comparison).

If you take time to do that exercise for yourself, you will very quickly discover your favourite investment to invest in, so that you can concentrate your resources on getting the best return rather than allocating any of them to the losers.

You may ask for my rationale in choosing investments this way rather than looking at the theories of diversification or portfolio management, like most others do. I simply believe the law of nature governs many things beyond our scientific understanding; and it is not smart to go against the law of nature.

For example, have you ever noticed that sardines swim together in the ocean? And similarly so do the sharks. In a natural forest, similar trees grow together too. This is the idea that similar things attract each other as they have affinity with each other.

You can look around at the people you know. The people you like to spend more time with are probably people who are in some ways similar to you.

It seems that there is a law of affinity at work that says that similar things beget similar things; whether they are animals, trees, rocks or humans. Why do you think there would be any difference between an investor and their investments?

So in my opinion, the question is not necessarily about which investment works. Rather it is about which investment works for you.

If you have affinity with properties, properties are likely to be attracted to you. If you have affinity with shares, shares are likely to be attracted to you. If you have affinity with good cash flow, good cash flow is likely to be attracted to you. If you have affinity with good capital gain, good capital growth is likely to be attracted to you (but not necessary good cash flow ).

You can improve your affinity with anything to a degree by spending more time and effort on it, but there are things that you naturally have affinity with. These are the things you should go with as they are effortless for you. Can you imagine the effort required for a shark to work on himself to become sardine-like or vice versa?

One of the reasons why our company has spent a lot of time lately to work on our client’s cash flow management, is because if our clients have low affinity with their own family cash flow, they are unlikely to have good cash flow with their investment properties. Remember, it is a natural law that similar things beget similar things. Investors who have poor cash flow management at home, usually end up with investments (or businesses) with poor cash flow.

Have you ever wondered why the world’s greatest investors, such as Warren Buffet, tend only to invest in a few very concentrated areas they have great affinity with? While he has more money than most of us and could afford to diversify into many different things, he sticks to only the few things that he has successfully made his money from in the past and cut off the ones which didn’t (such as the airline business).

What if you haven’t done any investing and you have no track record to go by? In this case I would suggest you first look at your parents’ track record in investing. The chances are you are somehow similar to your parents (even when you don’t like to admit it ). If you think your parents never invested in anything successfully, then look at whether they have done well with their family home. Alternatively you will need to do your own testing to find out what works for you.

Obviously there will be exceptions to this rule. Ultimately your results will be the only judge for what investment works for you.

Example 2: Picking the bottom of the market to invest.

When the news in any market is not positive, many investors automatically go into a “waiting mode”. What are they waiting for? The market to bottom out! This is because they believe investing is about buying low and selling high – pretty simple right? But why do most people fail to do even that?

Here are a few reasons:

  • When investors have the money to invest safely in a market, that market may not be at its bottom yet, so they choose to wait. By the time the market hits the bottom; their money has already been taken up by other things, as money rarely sits still. If it is not going to some sort of investment, it will tend to go to expenses or other silly things such as get-rich-quick scheme, repairs and other “life dramas”.
  • Investors who are used to waiting for when the market is not very positive before they act are usually driven either by a fear of losing money or the greed of gaining more. Let’s look at the impact of each of them:
  • If their behaviour was due to the fear of losing money, they are less likely to get into the market when it hits rock bottom as you can imagine how bad the news would be then. If they couldn’t act when the news was less negative, how do you expect them to have the courage to act when it is really negative? So usually they miss out on the bottom anyway.
  • If their behaviour was driven by the greed of hoping to make more money on the way up when it reaches the bottom, they are more likely to find other “get-rich-quick schemes” to put their money in before the market hits the bottom, by the time the market hits the bottom, their money won’t be around to invest. Hence you would notice that the get-rich-quick schemes are usually heavily promoted during a time of negative market sentiment as they can easily capture money from this type of investor.
  • Very often, something negative begets something else negative. People who are fearful to get into the market when their capacity allows them to do so, will spend most of their time looking at all the bad news to confirm their decision. Not only they will miss the bottom, but they are likely to also miss the opportunities on the way up as well, because they see any market upward movement as a preparation for a further and bigger dive the next day.

Hence it is my observation that most people who are too fearful or too greedy to get into the market during a slow market have rarely been able to benefit financially from waiting. They usually end up getting into the market after it has had its bull run for far too long when there is very little negative news left. But that is actually often the time when things are over-valued, so they get into the market then, and get slaughtered on the way down.

So my advice to our clients is to first start from your internal factors, check your own track records and financial viability to invest. Decide whether you are in a position to invest safely, regardless of the external factors (i.e. the market):

  • If the answer is yes, then go to the market and find the best value you can find at that time;
  • If the answer is no, then wait.

Unfortunately, most investors do it the other way around. They tend to let the market (an external factor) decide what they should do, regardless of their own situation, and they end up wasting time and resources within their capacity.

I hope, from the above 2 examples, that you can see that investing is not necessarily about picking the right investment and the right market timing, but it is more about picking the investment that works for you and sticking to your own investment timetable, within your own capacity.

A new way to invest in properties

During a consultation last month with a client who has been with us for 6 years, I suddenly realised they didn’t know anything about our Property Advisory Service which has been around since April 2010. I thought I’d better fix this oversight and explain what it is and why it is unique and unprecedented in Australia.

But before I do, I would like to give you some data you simply don’t get from investment books and seminars, so you can see where I am coming from.

Over the last 10 years of running a mortgage business for property investors:

  • We have executed more than 7,000 individual investment mortgages with around 60 different lenders;
  • Myself and our mortgage team have reviewed the financial positions of approximately 6,000 individual property investors and developers;
  • I have enjoyed privileged access to vital data including the original purchase price, value of property improvements and the current valuation of close to 30,000 individual investment properties all around Australia from our considerable client base.

When you have such a large sample size to do your research on and make observations, you are bound to discover something unknown to most people.

I have discovered many things that may surprise you as much as they surprised me, some of which are against conventional wisdom:

Paying more tax can be financially good for you.

This one took me years to swallow, but I can’t deny the facts. The clients who have managed to get into a positive cashflow position have paid a lot of tax and will continue to pay a lot of tax, whether it is capital gains, income tax or stamp duty. They don’t have an issue with the tax man making some money as long as they continue to make more themselves! They regularly cash in the profits from their properties and reduce their debt, but always continue to invest and park their money where the return is best. In fact, I can almost say that the only people who enjoy positive cashflow from their investment properties are the people who have little concern about paying taxes as they treat them as the cost of doing business.

Just about every property strategy works. It just depends on who does it, how it is done, when it is done and where it is done.

When I first started investing, I went and read many property investment books and attended many investment educational seminars. Just about every one of them was convincing and this confused the hell out of me. Just when I was about to form an opinion against a particular property strategy, someone would show up in one of my client consultations and prove that it worked for them!

After testing many of these strategies myself, I came to realise that it is not about the strategy,(which is only a tool) but rather it is about whether the person is using the tool appropriately at the right time, in the right place and in the right way.

There is no such thing as the best suburb to invest in, forever.

If you randomly pick a particular property in what you think is the best suburb over a 30 year window, you will find that there are periods during which this property will outperform the market average, and there are periods when this property will underperform the market average.

Many property investors find themselves jumping into historically high growth suburbs at the end of the period when it is outperforming the average, and then stay there for 5-7 years during the underperforming period. (Naturally this can taint their view of property investing as a whole!)

There is no such thing as the worst suburb to invest in, forever.

If you pick a property in the worst suburb you can think of from 40 years ago, and pitch that against the best suburb you can think of over the same period of time, you will find they both grew at about 7-9% a year on average over the long-term.

Hence in the 1960s, a median house in Melbourne and Sydney was valued at $10k. The worst property around that time may have been 30% of the median price for then, which was say about $3k. Today, the median house price in these cities is about $600k. The worst suburb you can find is still around 30% of that price which is say $200k a house. If you believe a bad suburb will never grow, then show me where you can find a house today in these cities, that is still worth around $3k.

Median Price growth is very misleading.

Many beginner property investors look at median price growth as the guidance for suburb selection. A few points worth mentioning on median price are:

We understand the way median price is calculated as the middle price point based on the number of sales during a period. We can talk about the median price for a particular suburb on a particular day, week, month, year, or even longer. So an influx of new stocks or low sales volume can severely distort the median price.

In an older suburb, median price growth tends to be higher than it really is. This is because it does not reflect the large sum of money people put into renovating their properties nor does it reflect the subdivision of large blocks of land into multiple dwellings which can be a substantial percentage of the entire suburb.

In a newer suburb, median price growth tend to be lower than it really is. This is because it does not reflect the fact that the land and buildings are both getting smaller. For example, you could buy a block of land of 650 square metres for $120k in 2006 in a newer suburb of Melbourne, but 5 years later, half the size block (i.e.325 square metres) will cost you $260k. That’s a whopping 34% annual growth rate per year for 5 years, but median price growth will never reflect that, as median prices today are calculated on much smaller properties.

Median price growth takes away people’s focus from looking at the cost of carrying the property. When you have a net 2-3% rental yield against interest rates of 7-8%, you are out-of-pocket by 5% a year. This is not including the money you have to put in to fix and maintain your property from time to time.

Buying and holding the same property forever doesn’t give you the best returns on your money.

The longer you hold a property, the more likely you will achieve an average growth of 7-9%. But you will be bound to hit periods where your property outperforms the 7-9% growth and periods where it under performs the 7-9% growth.

The longer you hold a property, if its growth is at or above average, the lower its rental yields will become.

The longer you hold a property, the higher the capital gains tax you will need to pay when you sell, and the less likely you will be able to sell it.

The longer you hold a property, the more likely there will be a need for an expensive upgrade of the property.

The longer you hold a property, the more likely you will forget which part of the equity actually belongs to the tax man, AND the more likely you will be to try to leverage the equity that doesn’t belong to you. This can get you into a negative equity position with a negative cashflow forever, unless you have proper financial guidance.

5 Simple Steps to Having a Healthy Pregnancy

If you’ve decided to have a baby, the most important thing is that you care a lot, so that both you and the baby are healthy in the future. Girls who receive proper care and take the right decisions are highly likely to have healthy babies.

Prenatal Care

If you discover you are pregnant, see a doctor as soon as possible to begin receiving prenatal care (care during pregnancy). The sooner you begin receiving medical care, the better the chances that both you and your baby are healthy in the future.

If you can not afford to visit a doctor or pay for the consultation in a clinic for prenatal care, social service organizations exist that can help. Ask your parents, school counselor or another trusted adult to help you find resources in your community.

During the first consultation, the doctor will make a lot of questions, such as date of your last period. In this way, you can calculate how long have you been pregnant and what date you expect your baby.

Doctors estimate the duration of pregnancy in weeks. The due date is estimated, but the majority of babies born between 38 and 42 weeks after the first day of last menstrual period of women, or between 36 and 38 weeks after conception (when the sperm fertilizes the egg). Only a small percentage of women giving birth at the estimated delivery date.

The pregnancy is divided into three phases, or quarters. The first quarter runs from conception to end of week 13. The second is from week 14 to 26. The third, from week 27 until the end of pregnancy.

The doctor will examine you and perform a pelvic exam. The doctor will also order blood tests, urine tests and tests to check for sexually transmitted diseases (STD by its acronym in English), including an HIV test, an increasingly common condition in adolescents. (Because some STDs can cause serious health problems in newborns, it is important to get appropriate treatment to protect the baby.)

The doctor will explain what are the physical and emotional changes that are likely to experience during pregnancy. We also learn to recognize the symptoms of possible problems (complications) during pregnancy. This is essential, because teenagers are at greater risk of crossing certain complications such as anemia or hypertension, and give birth before the expected date (premature labor).

Your doctor will want to start taking prenatal vitamins containing folic acid, calcium and iron away. Your doctor may prescribe vitamins or can recommend a brand you can buy without a prescription. These minerals and vitamins help to ensure the good health of baby and mother, and avoid certain birth defects.

Ideally, you should visit your doctor once a month during the first 28 weeks of pregnancy. Then you should visit every 2 weeks until week 36 and weekly thereafter until delivery. If you have a disease like diabetes, which requires careful monitoring during pregnancy, it is likely that your doctor wants to see you more often.

During consultations, your doctor will monitor your weight, blood pressure and urine, in addition to measuring your belly to go record the baby’s growth. When the baby’s heartbeat can be heard with a special device, the doctor will listen to every time you visit. It is likely that your doctor will also indicate other tests during pregnancy, such as an ultrasound to make sure the baby is in perfect condition.

Also part of prenatal care to attend classes where women who are expecting a baby learning how to have a healthy pregnancy and delivery, as well as what are the basic care for the newborn. It is likely that these classes are conducted in hospitals, medical centers, schools and universities in your area.

If adults can be difficult to talk to your doctor about your own body, this is even more difficult for adolescents. The role of your doctor is to help you enjoy a healthy pregnancy and have a healthy baby… and it is likely that there is nothing that a pregnant woman has not told. So do not be afraid to ask about everything you need to know.

Always be honest when your doctor will ask questions, even if they are embarrassing. Many of the issues that your doctor wants you to cover could affect the health of your baby. Think of your doctor as someone who is not only a resource but also a friend you can trust to talk about what is happening to you.

What changes can you expect in your body

Pregnancy creates many physical changes. Here are some of the most common:

Growth of breasts

The increase in breast size is one of the first signs of pregnancy and the breasts may continue to grow throughout pregnancy. It is possible to increase several sizes of support during the course of pregnancy.

Skin changes

Do not be surprised if people’s comments that your skin looks “glowing” when you’re pregnant: pregnancy produces an increased blood volume, which can make your cheeks are a little more pink than usual. In addition, hormonal changes increase the secretion of the sebaceous glands, so that your skin may look brighter. For the same reason, acne is also common during pregnancy.

Among other changes that pregnancy hormones generated in the skin are yellowish or brownish spots that appear on the face, which are called melasma, and a dark stripe running from the navel to the pubis, which known as linea nigra.

Also, moles or freckles that you had before pregnancy may increase in size or become darker. Even the areola, the area around the nipple becomes darker. Stretch marks may also occur (thin lines of pink or purple) in the abdomen, breasts or thighs.

Except for the darkening of the areola, which is usually permanent, these skin changes will disappear after delivery.

Mood swings

It is very common to experience mood swings during pregnancy. Some girls may suffer from depression during pregnancy or after childbirth. If you have symptoms of depression such as sadness, changes in sleep patterns, desires to hurt yourself or negative feelings about yourself or your life, ask your doctor for advice about starting your treatment.

Pregnancy Discomforts

Pregnancy can cause some unpleasant side effects. Among such disorders, include the following:

  • nausea and vomiting, especially during the first months of pregnancy;
  • leg swelling;
  • varicose veins in the legs and the area around the vaginal opening;
  • hemorrhoids;
  • heartburn and constipation;
  • back pain;
  • fatigue and
  • sleeping problems.

If you suffer from one or more of these side effects, remember that you are not alone. Ask your doctor for advice on how to handle these common problems.

If you are pregnant and have bleeding or pain, contact your doctor right away, even if you decided to terminate your pregnancy.

What you should avoid

If you smoke, drink alcohol or use drugs during pregnancy, both you and your baby are at risk for serious problems.

Alcohol

At present, doctors believe it is not advisable to drink a drop of alcohol during pregnancy. If you drink alcoholic beverages can damage the developing fetus and the baby is at risk for birth defects and mental problems.

Smoke

Smoking during pregnancy carries some of the following risks: the birth of a dead fetus (when a baby dies inside the womb), low birth weight (which increases the possibility that the baby has health problems), infants infants (babies born before 37 weeks) syndrome and sudden infant death (SIDS for its acronym in English). SIDS is the sudden death for no apparent reason, a baby under one year.

Drugs

Illegal drugs such as cocaine or marijuana during pregnancy may cause abortions, premature births and other health problems. In addition, babies can be born with an addiction to certain drugs.

If you have trouble quitting smoking, drinking alcohol or using drugs, ask your doctor to help you. Consult your doctor before taking any medication during pregnancy. This includes medicines sold over the counter, prepared herbal supplements and vitamins.

Unsafe Sex

Talk to your doctor about sex during pregnancy. If your doctor allows you to have sex during pregnancy, you should use a condom to avoid contracting a sexually transmitted disease (STD in English). Because some STDs can cause blindness, pneumonia or meningitis in the newborn, it is important for you to protect yourself and protect the baby.

How to take care during pregnancy

Feeding

Many young people are concerned by the appearance of your body and fear of weight gain during pregnancy. But this is not the time to cut calories or go on a diet because you are feeding two people. Both you and your baby need certain nutrients for the baby to grow properly. If you eat a variety of healthy foods, drink enough water and you reduce the junk food, high fat, help to both you and the baby are healthy and growing.

Doctors generally recommend adding about 300 calories a day to the diet, so as to provide the baby with adequate nutrition growth. According to the weight you had before becoming pregnant, you should gain between 11 and 15 kilos (25 to 35 pounds) during pregnancy, mostly during the last 6 months. Your doctor will advise you about this depending on your particular situation.

Eat more fiber from -25 to 30 grams daily, and drinking enough water can help prevent common problems such as constipation. Fruits and vegetables and whole grain breads, cereals or whole wheat muffins are good sources of fiber.

It is necessary that you avoid some foods and beverages during pregnancy, such as:

  • some types of fish such as swordfish, canned tuna and other fish that may have a high content of mercury (your doctor can help you decide which fish to eat);
  • foods containing raw eggs, such as mousse or salad type “Caesar”;
  • raw meat, fish or just cooked;
  • processed meats such as sausages or cold cuts;
  • Unpasteurized soft cheeses such as feta, brie, blue or goat, and
  • milk, unpasteurized juice or cider.

It is also desirable to limit the consumption of artificial sweeteners and caffeine and artificial sweeteners.

Exercise

Exercising during pregnancy is good for your health when you have no complications with the pregnancy and choose appropriate activities. Doctors generally recommend low-impact activities such as walking, swimming and yoga. In general, you should avoid contact sports and high impact aerobic activities that pose a higher risk of injury. It is also not recommended to do a job that involves heavy lifting for women during pregnancy. Talk to your doctor if you have questions about what kind of exercises are safe for you and your baby.

Sleep

It is important to get plenty of rest during pregnancy. During the first months of pregnancy, trying to acquire the habit of sleeping on your side. As pregnancy progresses, lying on your side, knees bent, will be the most comfortable position. It will facilitate the functioning of the heart, since the baby’s weight will not exert any pressure on the vein that carries blood from the feet and legs back to the heart.

Some doctors specifically recommend that pregnant girls should sleep on his left side. Because some of the major blood vessels are in the right side of the abdomen, lying on the left side helps keep the uterus puts pressure on them. Ask your doctor what your recommendation. In most cases, the trick is to lie on either side, to reduce pressure on the back.

Throughout the pregnancy, but particularly in the later stages, it is likely that you wake up frequently at night to go to the bathroom. While it is important to drink plenty of water during pregnancy, try to drink more during the day instead of night. Go to the bathroom before bed. As the pregnancy progresses, you might be hard to find a comfortable position in bed. You can try placing pillows around and under the stomach, back or legs to feel more comfortable.

Stress can also affect sleep. Perhaps you’re concerned about the health of the baby, birth, or how it will play this new role of mother. All these feelings are normal, but can produce insomnia. Talk to your doctor if you have trouble sleeping during pregnancy.

Emotional Health

It is common for pregnant adolescents experience a variety of emotions such as fear, anger, guilt, confusion and sadness. Maybe you take some time to adjust to the fact that you are having a baby. It means a huge change and it is natural for pregnant teens wonder if they are ready for the responsibilities involved in becoming mothers.

The feelings of a young often depend on how much support received by the baby’s father, his family (and family of the baby’s father) and his friends. The situation of each youth is different. Depending on your situation, you may need to seek more support for people who are not part of your family. It is important to talk with people who can support you, guide you and help you share and sort out your feelings. Your school counselor or nurse can guide you to find the resources offered to help your community.

In some cases, teenage pregnancies and spontaneous abortions have lost the baby. This can be very sad and difficult to overcome for some, but to others it causes a feeling of relief. It is important to talk about these feelings and receive support from friends and family, if this is not possible, go to counselors or teachers.

The school and the future

Some girls plan to raise her baby by themselves. Sometimes grandparents or other family members help them. Some young people choose to deliver her baby for adoption. These difficult decisions involve a great deal of courage and concern for the baby.

Young women who have completed high school will have greater chances of getting a good job and enjoy a more successful life. As far as possible, you should finish high school now instead of trying to go back to school later. Ask your school counselor or a trusted adult that you provide information about what programs and classes offered in the community for pregnant teens.

Some communities have support groups especially devoted to teen parents. In some schools, no childcare. Perhaps a member of your family or a friend can take the baby while you’re at school.

You can learn more about what happens when you mother if you read books, attend classes or consultations reliable websites on parenting. Your pediatrician, your parents, your family members and other adults can guide you when you’re pregnant and when you become a mother.

Why Online IT Training Is Possible

If you understand the value of a good online courses for IT, you’ll realize there should be some good reasons why it is so very cheap. In fact, there are several.

The Information Technology by its very nature, are a perfect type of courses to take online. Training courses affordable online IT and they are accessible to help you use the technical means that you must learn about topics related to computer science.

Training schools affordable IT online save money in their administration to transmit to students. They can avoid responsibility for expenses associated with transportation to school., they can not charge the fee because these services are provided through technology rather than through a group of paid employees.

Because that schools affordable IT training online usually required to update the software, they have the ability to manage online tests from their own server. No supervisor is needed to control students when they take the tests, in addition, students should not go to the location of the school to take a test. For example, you may test your accounting courses by correspondence from your home, without worry about transport, traffic jams and arrive on time.

Training courses affordable online IT tend to stay away from being useless. There will not be too many courses of basic education in most IT degrees. You learn what to do for work. You can always take classes after school in your free time.

Very little hard materials and learning are required for most courses affordable online IT. Rather than sending several textbooks, a school of IT will focus on the information obtained via the Internet and other media related to technology. If you choose to take a correspondence course, you will not need to buy a large quantity of books, since everything will be sent either by mail or by Internet.

Instructors of online courses should be trained in using technology to teach. While other correspondence schools use instructors who are reluctant with technology instructors Information Technology are a poison in the water in this area. Affordable IT training online is possible because it is easier to find instructors who are better trained to teach courses using the tools of technology. If you opt for distance learning should be better than choosing an instructor expert in online teaching.

Training schools affordable IT Online is not only a possibility, they are a reality. If you want to work in the comfort of your own home, you can save costs and Additional mentions tuition. The nature of the industry makes training affordable IT well suited to offer affordable options. Do not be surprised, then, when you see examples of schools affordable IT training online.

By IRFAN MAN SURI

Gamble Or Abstain!

ABSTINENCE [The sure way]

There has been great awareness campaign about HIV/AIDS for the past decades and It is believed that there is nothing really new about this particular ailment, the general Public is not aware of. Part of this awareness campaign is the preventive aspect of acquiring the Virus. Though this article is centered on abstinence, it is in no way in disagreement with the other ways of protection against   transmission  of the virus.

“Abstinence, being faithful, correct and consistent condom use are the only ways to successfully reach everyone when discussing HIV prevention. I believe that the abstinence message alone does not solve the AIDS epidemic”- a quote from the American actress, Ashley Judd. This true statement of fact is in total agreement to the former first lady to the United states and as well the 2008 Democratic party presidential aspirant, Hilary Clinton who said “there is a great deal of political pressure to only talk about abstinence and to deny support for condoms and education for using them. This policy will lead to the unnecessary deaths of many people”. This is also correct. You cannot live the lives of others or monitor their activities and actions. Preaching abstinence alone and preventing the other means of protection is far from the solution. But in as much as the use of condoms and other safe practices are not condemned, total abstinence is worth the greatest attention because it is a 100% sure way of prevention, therefore preaching it is aimed at encouraging those who are doing their best possible to abstain, and as well put more light on reasons to abstain for those who believe in it, but do not practice it.. Before we hit the nail on the head, let’s go through the ways of  transmission  of the virus from an infected person to one that is not infected.

 Transmission  occurs when secretions of affected persons come in contact with tissues such as those lining the vagina, anal area, mouth or eyes ( the mucus membranes) or with a break in the skin as such for a cut or puncture by a needles. These ways are possible via sexual contact, sharing of needles, and  transmission  from infected mothers to their new born during pregnancy, labor or breastfeeding. It could also be transmitted via blood transfusion. These following ways could be classified into two major classes. The controllable or avoidable ways of  transmission  and the Uncontrollable means of  transmission . The controllable or avoidable means are these methods of contacting the virus which can be controlled or totally avoided by the person involved. Note that this definition is specific to the person who is at risk. The uncontrollable means are the ones which cannot be controlled by the affected persons. Infected new born fall into the uncontrollable means as they cannot do anything about the situation. They fall out to be unfortunate victims and to a large extent, blood transfusion can be in this category. For this category or class of  transmission , abstinence cannot be preached since it was not the fault or carelessness of the affected persons.

In the controllable category, using of new needles each time you want to take drugs and dumping the old ones after using them; is a direct formula to preventing HIV infection via injection of needles. This reduces the risk to about 99.99%. If a person not only shares needles but uses them just once, he stands a great chance to be risk free, giving the control method a good efficacy. Nevertheless, 0.0001% is still a probability and we will see how probability counts in reality. Therefore, in order to really understand what abstinence is, focus would be placed on the two major controllable means (injection and sex), especially on sex.

In sexual means of  transmission , the break in condom cannot be totally avoided in a given formula. No matter the quality of condom, there are still chances it could break during sex. Some arguments stress out that the virus is smaller than the fiber of the condom and it can still get through, especially when the male genital is very huge, stretching the condom extremely well. Therefore, it gives the probability of 85%- 95% of HIV prevention for the males and 95%- 99% for the females if used correctly.

On the contrary, Abstinence is a straight 100% preventive measure; absolutely efficient and no slight chance no matter how negligible it may be. It is safer and easier to adopt. Remember that abstinence does not mean been a virgin forever but avoidance of more than one partner, and more concretely avoidance of pre- marital and extra- marital sex. Probability is the chance of an event to occur and no matter how insignificant the value is; it does not prevent the situation involved from existing. It is believed that the cru de chat syndrome (sterile females with immature sex organs resulting from the loss or deletion of a significant portion of the genetic material) occurs once in 5000 births. This does not mean cru de chat syndrome does not exist and you can understand that, a parent who has a sick child with such a syndrome would not be ready to listen to statistics from any doctor, because the reality still remains; his/her child is suffering from it irrespective of the slim chance of occurrence.

On a general note, abstinence is the sure way to avoid the controllable means of acquiring the virus. And from the following illustration below, we can justify this simple fact. The table below shows the estimated number of cases of AIDS amongst people by  transmission  category in the 50 states of the United States of America as of 2007.

Male- to- male sexual contact — 487,695

Injection drug use — 255,859

Male- to male sexual contact with injection – 71,242

High risk heterosexual contact – 176,157

Others (Hemophilia, blood transfusion, prenatal exposure and risk not reported or Identified) – 18,266.

[taken from http://www.cdc.gov/hiv/topics/surveillance/basic.htm ].

The first four ways are controllable means in which aside drug use, the rest are by sexual contact. These four means account for 990,953 cases out of 1,009,219, which is about 98.2% of all cases. Meanwhile 735,094 out of 1,009,219 cases are due to sexual  transmission  alone; accounting for 72.8% of all cases. Only about 1.8% of the total incidences are due to uncontrollable  transmission .

On normal grounds, occurrence of a situation caused by uncontrollable factors should be more, when compared to the same situation caused by the controllable ones. Another insight we can get from this statistic which is an extension of the first statement is; despite the control measures and protective means available, the controlled means are still far greater in occurrence than the uncontrolled ones. This justifies the fact that the only way this can be drastically reduced is through abstinence.

A teenage girl once said, “I have created an appetite for sex and I do not think I can stop it now”. The Human nature is such that, if you allow it take part in a pleasurable event more than once and continuously, it begins to yearn after that event due to its increased appetite. Charles DIkkens, a popular English Novelist of the Victoria era quotes “subdue your appetite, my dears and you’ve conquered human nature”. Human natured is meant to be conquered and in this way we can control ourselves- hence show great abstaining ability. If we do not conquer our human nature and allow our various tastes or appetite to explode, I think mutualism would not be a reality and a ‘jungle Life” scenario would be the possible resultant situation. If we can control our appetite or taste to any or all of the following; fashion, food, clothes, fame, drinks, sports est. why not sex? Is it normal to randomly have sex with different partners? As long as the Human nature could be stretched, it could also be tamed and the only way to do this is by abstinence.

Mr Anton Zakovich, a Russian economic lecturer said “Pre- marital sex is just like tasting soup while still cooking it. You taste the soup to know how spicy it is before it is finally cooked”. What if peradventure it burnt your tongue or distorts your taste buds? Would you be able to enjoy the soup later. Sex before marriage should not be compared to tasting soup, you taste the soup to know the quality for improvements by adding more ingredients if need be. But what sort of improvement do you need in pre- marital sex that you would not still accomplish when married. Marriage is a Life time commitment and the more the improvement in all factors at stake, the better the intimacy and possibility of becoming one. As for extra marital relationships, they are not only medically wrong, but as well morally and socially bad. If you think this Idea is too conservative, then think and take a look at the exposed extra-marital affairs of some celebrities such as Tiger Woods and John Terry, in relation to the general public and their fans. Then statistics will make you understand the ‘social- contempt’, extramarital affairs can stimulate.

Abstinence is not practiced, it is perfected. As we all have the ability to abstain. Dennis Wolfberg, the late American stand up comedian and actor, once quoted to confirm this statement. “I didn’t practice abstinence, I perfected it”. The major reason why abstinence becomes a difficulty is the fact that we kill this potential ability in us. And in some cases, it goes so bad to the extreme- addiction. The only way to sexual addiction is sexual exposure from an early age leading to continuous sexual activities as the child grows to his or her late teens and even older. This is also applicable to drug addiction.

According to SADD’s MISSION statistics of the year 2005, taken from around the entire states of the United States of America, 46.8% of all high school students report that they have sexual intercourse and 6.2% of high school students have had sexual intercourse for the first time before the age 13. Not only that, 14.3% of high school students nationwide have had sexual intercourse with four or more persons during their lives.

Talking about drugs, 9.9% of youth ages 12- 17 were illicit drug users; 6.8% use marijuana, 3.3% used prescription drugs for non medical uses, 1.2% used inhalants, 0.8% used hallucinogens and 0.6% used cocaine. Also, half of teens (50%) have tried an illicit drug by the time they finished high school. Though these statistics may have been taken years back, but surely it is appalling information and most probably parents and all stake holders involved (especially the school guidance and other parties) should put more careful attention to their children.

The best part of this statistics is the fact that youths ages 12- 17 who believed their parents would strongly disapprove of their using a particular substance were less likely to use that substance than were youths who believed their parents would somewhat disapprove of neither approve nor disapprove. SO, this have to do with home/ parental training which would not be discussed as it is outside the scope of the subject matter.

The point is, children of this present generation are sexually very active even from a very early age. And for this reason, they need adequate sex education with the sermon preached, not from a formal approach but rather done in adequate love, care and full attention. Taking advantage of the relationship to a great deal of understanding between the parent and the child would serve as the tool to achieving it. If this system is practiced there would definitely be an increase in the percentage of children who would adopt abstinence.

Now in general, consider this scenario. You want to go to the shopping mall by foot which is 5km from your home but there are 3 short routes about 2.5km each in which there is the probability of coming across wild dogs in one, been attacked by hoodlums in the other and as for the last- been hit by a car due to its busy nature (though, these incidences occur once in 2 months, but they continuously happen in that rate of occurrence). Would you still take the risk to follow one of the short routes? Some of us, knowing fully well the nature of events still follow one of these short routes and if unfortunate, get bitten by a dog (or some dogs) or been attacked or hit by a car. That is what majority of us do. The shorter time of going to the mall and back home should not be more of a priority to your Life and health. This is exactly the circumstance we face in Abstinence. It is a 100% route of safety but we prefer short- lived pleasure, which we would still enjoy later in Life or are enjoying with a legal partner.

All said and done, other preventive measures are never absolute and still give room or chances for the spread of the Virus to occur. If we can abstain why not give ourselves the 100% chance to be risk free from contracting the virus? There is great gain and full advantage when you abstain be it moral, mental, religious, and of course social. It also adds fun and spice to your marriage Life in the nearest future if you are single. Usually, you enjoy to the fullest, what you have been anticipating for a long time. Some people taste the soup two, three, four times and end up decreasing or even losing their appetite, therefore not enjoying the soup later when it is done. But when the soup is tabled for you to eat- fresh and new, you take it as though you could finish a drum of it and still ask for more.

On a final note, in as much as awareness on all the protective systems of avoiding the virus  transmission  is important; it is very necessary to stress the fact that Abstinence is the best and sure way and hence treat the best as the best. Do not gamble; abstain to sustain your Life.

At This Time What is the Best Treatment For Swine Flu? Disappointing News

At this time the best treatment for swine flu is prevention. Doing everything possible to avoid the flu may be more effective than the drugs and vaccine that we have (or maybe don’t have). The vaccine for H1N1 is scheduled to arrive in mid October but there will only be about 45 million doses and those will have to be doled out according to priorities set by your local health department.

The fact that we don’t have enough vaccine to go around may or may not be a problem. This vaccine was rushed into production and has not undergone the extensive testing that other vaccines have. The first question is will it work. The second question is what are the side effects. We won’t know those answers until late October.

There are two antiviral drugs available for flu, Tamiflu and an older drug Relenza. These drugs can be used to treat the flu or be used to prevent the flu in high risk populations like nursing homes. The good news is that the U.S. has at least enough stockpiled to treat 25% of the population. The bad news is that H1N1 might be immune to Tamiflu. In tests done in New York City last January, 99% of the H1N1 cases were Tamiflu resistant.

The other bad news about the drugs is that they work best when administered within 48 hours of coming down with swine flu. They won’t be prescribed unless the person tests positive for the strain. Now that the World Health Organization has stopped asking for test results, tests may or may not be given as readily as they were.

There are basically three types of tests. One can be completed in your doctor’s office in about 30 minutes. The problem with this test is it misses the flu roughly 30% of the time and also has a reputation of giving false positives. The other two tests require a lab. The actual test takes three hours to complete but add in transportation time and backlog and you’ll be lucky to see results in four days, two days longer than the recommended time to administer antivirals.

So the best answer to what’s the best flu treatment is, don’t catch it. If that doesn’t work; then your back to traditional treatment like fever medicine, rest, plenty of fluids, nutritious diet and Mom’s chicken soup.

This is going to be a big one and something you can’t ignore. It will affect your life either directly or indirectly. You need a plan on how to deal with it much as you would for dealing with an earthquake or hurricane.

Finance, Credit, Investments – Economical Categories

Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled.

The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. For example, in “the general theory of finances” there are two definitions of finances:

1) “…Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage”. This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character;

2) “Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production”. This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification.

First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the depreciation fund which is the part of financial domain, belongs not to the distribution and redistribution of the national income (of newly formed value during a year), but to the distribution of already developed value.

This latest first appears to be a part of value of main industrial funds, later it is moved to the cost price of a ready product (that is to the value too) and after its realization, and it is set the depression fund. Its source is taken into account before hand as a depression kind in the consistence of the ready products cost price.

Second, main goal of finances is much wider then “fulfillment of the state functions and obligations and provision of conditions for the widened further production”. Finances exist on the state level and also on the manufactures and branches’ level too, and in such conditions, when the most part of the manufactures are not state.

V. M. Rodionova has a different position about this subject: “real formation of the financial resources begins on the stage of distribution, when the value is realized and concrete economical forms of the realized value are separated from the consistence of the profit”. V. M. Rodionova makes an accent of finances, as distributing relations, when D. S. Moliakov underlines industrial foundation of finances. Though both of them give quite substantiate discussion of finances, as a system of formation, distribution and usage of the funds of money sources, that comes out of the following definition of the finances: “financial cash relations, which forms in the process of distribution and redistribution of the partial value of the national wealth and total social product, is related with the subjects of the economy and formation and usage of the state cash incomes and savings in the widened further production, in the material stimulation of the workers for satisfaction of the society social and other requests”.

In the manuals of the political economy we meet with the following definitions of finances:
“Finances of the socialistic state represent economical (cash) relations, with the help of which, in the way of planned distribution of the incomes and savings the funds of money sources of the state and socialistic manufactures are formed for guaranteeing the growth of the production, rising the material and cultural level of the people and for satisfying other general society requests”.
“The system of creation and usage of necessary funds of cash resources for guarantying socialistic widened further production represent exactly the finances of the socialistic society. And the totality of economical relations arisen between state, manufactures and organizations, branches, regions and separate citizen according to the movement of cash funds make financial relations”.
As we’ve seen, definitions of finances made by financiers and political economists do not differ greatly.
In every discussed position there are:

1) expression of essence and phenomenon in the definition of finances;

2) the definition of finances, as the system of the creation and usage of funds of cash sources on the level of phenomenon.

3) Distribution of finances as social product and the value of national income, definition of the distributions planned character, main goals of the economy and economical relations, for servicing of which it is used.

If refuse the preposition “socialistic” in the definition of finances, we may say, that it still keeps actuality. We meet with such traditional definitions of finances, without an adjective “socialistic”, in the modern economical literature. We may give such an elucidation: “finances represent cash resources of production and usage, also cash relations appeared in the process of distributing values of formed economical product and national wealth for formation and further production of the cash incomes and savings of the economical subjects and state, rewarding of the workers and satisfaction of the social requests”. in this elucidation of finances like D. S. Moliakov and V. M. Rodionov’s definitions, following the traditional inheritance, we meet with the widening of the financial foundation. They concern “distribution and redistribution of the value of created economical product, also the partial distribution of the value of national wealth”. This latest is very actual, relatively to the process of privatization and the transition to privacy and is periodically used in practice in different countries, for example, Great Britain and France.

“Finances – are cash sources, financial resources, their creation and movement, distribution and redistribution, usage, also economical relations, which are conditioned by intercalculations between the economical subjects, movement of cash sources, money circulation and usage”.
“Finances are the system of economical relations, which are connected with firm creation, distribution and usage of financial resources”.

We meet with absolutely innovational definitions of finances in Z. Body and R. Merton’s basis manuals. “Finance – it is the science about how the people lead spending `the deficit cash resources and incomes in the definite period of time. The financial decisions are characterized by the expenses and incomes which are 1) separated in time, and 2) as a rule, it is impossible to take them into account beforehand neither by those who get decisions nor any other person” . “Financial theory consists of numbers of the conceptions… which learns systematically the subjects of distribution of the cash resources relatively to the time factor; it also considers quantitative models, with the help of which the estimation, putting into practice and realization of the alternative variants of every financial decisions take place” .

These basic conceptions and quantitative models are used at every level of getting financial decisions, but in the latest definition of finances, we meet with the following doctrine of the financial foundation: main function of the finances is in the satisfaction of the people’s requests; the subjects of economical activities of any kind (firms, also state organs of every level) are directed towards fulfilling this basic function.

For the goals of our monograph, it is important to compare well-known definitions about finances, credit and investment, to decide how and how much it is possible to integrate the finances, investments and credit into the one total part.

Some researcher thing that credit is the consisting part of finances, if it is discussed from the position of essence and category. The other, more numerous group proves, that an economical category of credit exists parallel to the economical category of finances, by which it underlines impossibility of the credit’s existence in the consistence of finances.

N. K. Kuchukova underlined the independence of the category of credit and notes that it is only its “characteristic feature the turned movement of the value, which is not related with transmission of the loan opportunities together with the owners’ rights”.

N. D. Barkovski replies that functioning of money created an economical basis for apportioning finances and credit as an independent category and gave rise to the credit and financial relations. He noticed the Gnoseological roots of science in money and credit, as the science about finances has business with the research of such economical relations, which lean upon cash flow and credit.
Let’s discuss the most spread definitions of credit. in the modern publications credit appeared to be “luckier”, then finances. For example, we meet with the following definition of credit in the finance-economical dictionary: “credit is the loan in the form of cash and commodity with the conditions of returning, usually, by paying percent. Credit represents a form of movement of the loan capital and expresses economical relations between the creditor and borrower”.

This is the traditional definition of credit. In the earlier dictionary of the economy we read: “credit is the system of economical relations, which is formed while the transmission of cash and material means into the temporal usage, as a rule under the conditions of returning and paying percent”.
In the manual of the political economy published under reduction of V. A. Medvedev the following definition is given: “credit, as an economical category, expresses the created relations between the society, labour collective and workers during formation and usage of the loan funds, under the terms of paying present and returning, during transmission of sources for the temporal usage and accumulation”.

Credit is discussed in the following way in the earlier education-methodological manuals of political economy: “credit is the system of money relations, which is created in the process of using and mobilization of temporarily free cash means of the state budget, unions, manufactures, organizations and population. Credit has an objective character. It is used for providing widened further production of the state and other needs. Credit differs from finances by the returning character, while financing of manufactures and organizations by the state is fulfilled without this condition”.

We meet with the following definition if “the course of economy”: “credit is an economical category, which represents relations, while the separate industrial organizations or persons transmit money means to each-other for temporal usage under the conditions of returning. Creation of credit is conditioned by a historical process of fulfilling the economical and money relations, the form of which is the money relation”.

Following scientists give slightly different definitions of credit:
“Credit – is a loan in the form of money or commodity, which is given to the borrower by a creditor under the conditions of returning and paying the percentage rate by the borrower”.
Credit is giving the temporally free money sources or commodity as a debt for the defined terms by the price of fixed percentage. Thus, a credit is the loan in the form of money or commodity. In the process of this loan’s movement, a definite relations are formed between a creditor (the loan is given by a juridical of physical person, who gives certain cash as a debt) and the debtor.
Combining every definition named above, we come to an idea, that credit is giving money capital of commodity as a debt, for certain terms and material provision under the price of firm percentage rate. It expresses definite economical relations between the participants of the process of capital formation. Necessity of the credit relations is conditioned, from one side, by gathering solid quantity of temporarily free money sources, and from the second side, existence of requests of them.

Though, at the same time we must distinguish two resembling concepts: loan and credit. Loan is characterized by:

o Here, the discussion may touch upon transmission of money and also things form one side (loaner) to another (borrower): a)under the owning of the borrower and, at the same time, b) under the conditions of returning same amount or same quantity and quality of the things;

o The loaning of money may bear no interest;

o Any person may take part in it.
With the difference with loan, credit, which is somehow a private occasion of the loan, represents:

o One side (loaner) gives to the second one (borrower) only money, and _ for temporal usage;

o It may not bear no interest (if the assignment doesn’t foresee something);

o In it creditor is not any person, but a credit organization (at the first place, banks).
So, a credit is the bank credit. To our mind, it is not correct to use “credit” and “loan” as the synonyms.
Banking crediting is the union of relations between bank (as a creditor) and its borrower. These relations touch upon:

a) Giving a certain amount of money to the borrower for definite purpose (though, we meet with the so-called free credits, aims and objects of crediting are not appointed in the assignment);

b) Its opportune returning;

c) Getting percentage rate from the borrower for using the sources under his/her disposal.
The essential foundation of the credit essence and its important element is existence of trust between the two sides (in Latin “credo”, from which comes the word “credit”, means “trust”).
From the position of circulation of money forms (in the abstraction, historical process of formation economical relations and social budget and banking systems expressed by them) comparing different definitions of finances and credit, the paradox conclusion appears: credit is the private occasion of finances. And truly, from the position of movement of the money forms, finances represent the process of formation and usage of the funds of cash means. Very often such movements are fulfilled without returning, but sometimes, it is possible to give loans from the budget for the investment projects of other needs. Also, when a manufacture or corporations use their cash funds and we mean the finances of industrial subject, such usage may be realized as inside the manufacture or corporation (there is no subject about returning or not returning of the usage), so gratis under conditions of returning. This latest is called commercial form because of transmitting the sources to others, but even in this occasion, it is the element of financial system of the manufacture and corporation.

From the point of cash means movement, main character of credit is the process of formation and usage of the funds of cash means under the conditions of returning and, as a rule, taking the value-percentage. If gating the credit value doesn’t take place (even in the exceptional occasions), according to the movement form, credit becomes a private occasion of finances, as from the net financial funds (consequently from the state budget) the loans which bear no interests may be used. If gating credit value takes place, by the appearance form, credit is discussed to be financial modification.

From the historical point of view, finances (especially in the sort of the state budget) and credit (beginning with usury, later commercial and banking) were developing differently for considering credit to be the part of finances. Though, from the genetic-historical point of view, previous loaners, before giving loan, needed gathering the permanent capital not returning, that is the net financial foundation. The banks analogously needed concentration of the important own capital for influxing the consumers’ means and for getting higher percentage rate under the conditions of returning. Herewith, exactly on the financial basis, in the sort of financial fund (which later partially becomes loan fund) part of the bank capital appears to be the reservation (insurance) part of the fund, which by nature is financial and not loan. So notwithstanding the essential distinctions between finances and credit form the genetic-historical point of view, credit appears to be formed from finances and represent their modification.

From the essential position of expressing economical relations of finances and credit, we meet with cardinal distinctions between these two categories. Which mostly expressed by the distinction of the movement forms notwithstanding they are returnable or not. Finances express relations in the aspects of distribution and redistribution of social product and part of the national wealth. Credit expresses distribution of the appropriate value only in the section of percentage given for loan, while according to the loan itself, a only a temporal distribution of money sources takes place.
Herewith, there is a lot of common between the finances and credit as from the essential point of view, so according to the form of movement. At the same time, there is a significant distinction between finances and credit as in the essence, so in the form too. According to this, there must be a kind of generally economical category, which will consider finances and credit as a total unity, and in the bounds of this category itself, the separation of the specific essence of the finances and credit would take place.

Funding of the cash means is common to the researched economical categories. It takes place in any separate system of finances and credit, which have been touched upon during the analyses of defining finances and credit. Word combination “funding of the cash sources (fund formation)” reflects and defines exactly essence and form of economical category of more general character, those of finances and credit categories. Though in the in economical texts and practice, it is very uncomfortable to use a termini, which consists of three words. Also, “unloading” with an information hardens greatly its influxing into the circulation even in the conditions of its strict substantiation and thoroughness.
In the discussing context we consider:

1) wide and narrow understanding of economical category of the finances;

2) discussing finances in narrow understanding under general traditional meaning;

3) discussing finances, as funding of the cash means, in wide understanding, which concerns finances – in narrow meaning and credit – in complete meaning.
Termini “funding” and its equivalent “fund formation” are used by us as the purposeful structuring of cash means, which is based on two poles – accumulation of money sources (gathering) and its usage for definite purpose in the way of financing and crediting.
We have established a new termini – “finance-investment sphere” (FIS). Analyses about interrelation of finances and credit made by us give us an opportunity of proving, that in the given termini, the word “financial” is used with the meaning of funding cash sources, its purposeful structuring. In this process we consider at the same time financial, credit and investments’ economical categories.

Let’s sum up middle results of discussing new concept – “finance-investment sphere” and discuss its investment consisting parts.

The concept “investments” was brought into the native economical science from the West. In the Soviet economical science they for a long time used in the place “investments” the termini “capital placement”, which expressed the usage of the industrial factors in the sphere of real industrial activities during realization of capital projects. From one glance, this termini in its concept is identical to the “investments”, consequently it is possible to use them as synonyms. Though the termini “investments” and “investing” have the advantage towards the termini “capital placement” from linguistic and philological points of view, because they are expressed with one word. This is not only economical and comfortable in the process of working with the termini “investment” itself, but also it gives an opportunity of termini formation. More concretely: “investment process”, “investment domain”, “finance-investment sphere” – all these termini are much more acceptable.
Changing native economical termini with foreign ones is purposeful, if it really matters (by keeping parallel usage of the native termini for the inheritance). Though we must not change native economical termini into foreign ones all together, when by ordinal traditional language easy to explain private and narrow concrete processes and elements get their own termini. The “movement” of these termini is approved in the narrow professional bounds, but their “spitting out” into the economical science may turn economical language into the tangled slang.

Let’s discuss termini – “investment” and “capital placement’s” usage in the economical literature.
Investments are placement of funds into the main and circulation capital for the purpose of getting profit. “Investments in material assets – are the placements of funds into the mobile and real estate (land, buildings, furniture and so on). Investments in financial assets are the placements of funds into the securities bank accounts and other financial instruments”.

We don’t meet with the termini “investments” in the earlier economical dictionary, but we meet the combined termini “investment policy” – the union of the industrial decisions, which guarantee main directions of the capital investments, the activities of their concentration in the determinant suburbs, on which the reaching of planned rates of development of the society production is depended, balancing and effectiveness, getting more and more production and profit of the national income for every lost Ruble”. For today, in the most actual definitions, the capital investments are bounded only by financial means, when not only financial, but also the investment of natural, material-technical and informational resources takes place. Labour resources take an actual place in the investment process. They themselves fulfill this or that investment process.

A positive side of the discussed definitions is that they connect investment policy and capital placements (investments):

– economical development according to the key directions to the concentration;

– providing high rates of economical growth;

– raising an economical effectiveness, which is expressed:

a) by growing the throw off of the production and national income for every lost Ruble;

b) by fulfilling the branch structure of the investments;

c) by improving their technological structure;

d) by optimization of their further production structure.

Compared with such definition of the investments (capital placement) the definition of investments in the dictionary attaching the “Economics” seems to be unimproved: “investments – the expenses of gathering production and industrial means and increasing material reserve”. In this definition current expenses (production expenses) are mixed with the investment (capital) expense. Also, not the investment expenses but (though the investments are followed by the appropriate expenses) exactly advancing. It differs from the expenses by that the means (means) are put by returning the advanced values, also, under the conditions of growth, to which the concept-advanced capital is corresponding. the advancing may be realized in the money, natural-material and informational forms.

Except the termini “investments”, there are two more termini related with the investment. They are shown below.

“Human capital investment” – any activity provided for rising the workers labour productivity (in the way of growing their qualification and developing their abilities); at the expenses of improving the workers’ education, health and raising the mobility of the working forces”. It is very useful to use the mentioned termini, though it needs one correction: the human capital investments do not concern only workers, but also the servants, representatives of every kind of labour.
“Investment commodity, capital goods – a capital.”

In the official manuals of political economy of the reformation time the capital investments are discussed as “expenses for creating new main funds and widening, reconstruction and renewing the active ones”. In this definition the investments (capital placements) during separation of the forms (types) of further production of the main funds are bounded only by main funds (without increases of the circulation funds and insurance reserves):

a) creating new ones;

b) widening;

c) reconstruction;

d) renewing.

Also, the concept of the industrial gathering appears, at the expenses of widening of basic, circulation funds and also insurance reserves takes place”.

You’ll meet below the definitions of investments from “the course of economy”: the investments are called “placements of fund into the basic capital (basic means of production), reserves, also other economical objects and processes, which request long-termed influxing of material and cash means. “According to the division of capital into physical and money forms, the investments too must be divided into material and cash investments”.

They apportion investment commodity, to which belong industrial and nonindustrial building objects, vehicles purposed for changing or widened technical park and the furniture, increasing reserves and others.

“They call the total investments of production an investment product, which is directed towards keeping and increasing the basic capital (basic means) and reserve. Total investments consist of two parts. One of them is called the depreciation; it represents important investment resources for compensation of renewal till the level of before industrial usage, wearing out and repairing of the basic means. Second consisting part of the total investments is represented by net investments – capital investments for the purpose of increasing basic means”. Depreciation is not a compensation resource of wearing the basic funds out, but it is the purposeful financial source of such resources.
Human capital investment is “a specific kind of investments, mostly in education and health protection”.

“Real investments are the investments in the economical branches and also, they are kinds of economical activities, which provide influxing the increases of real capital, that is increasing material values of the industrial means”. We can agree with such definition with one specification that material and nonmaterial values too belong to the real capital (wealth), consequently science-researching experimental-construction results, various information, education of he workers and others. Such service as organization of the excitable games, also the service of redistribution social wealth from one private person to another (except charity).

“Financial investments represent placement of funds into the shares, obligations, promissory notes, other securities and instruments. Such investments, of course, do not give increases of the real material capital, but they help getting profit, consequently at the expenses of changing the course of the securities in the time of speculation, or distinguishing the course in different places of sell and purchasing”. We share wholly such definition, hence it follows that financial investments (if it is not followed by real investments as a result) do not increase real material wealth and real nonmaterial wealth. According to this context, the expression below is very important: “we must distinguish financial investments, which represent placement of the funds in the ways of selling and purchasing the securities for the purpose of getting profit and financial investments, which become cash and real, moved to real physical capital.”

In the “economical course” quoted before long and short-termed investments are separated. Recognizing the existence of the bounds between them, the authors ascribe short-termed investments to “one month or more” investments. If we get such conditioned criteria, that we can call the investments which overcome the terms of some months, long-termed ones, which is very doubtful and we don’t agree with it. A long-termed character of the fund placement is a significant feature of the investments (short-term doesn’t combine with the concept of investments). Principally, it would be better to point out quick compensative, middle termed compensative and long-termed compensative investments:

– less then 6 months – quick compensative;

– from 6 months up to the year and a half – middle termed compensative;

– more then the year and a half – long termed compensative.

We stopped at the definition of the investments in the capital work “economical course” for the special purpose, as, in it the author tried to discuss the concept of investments systemically and quite completely, herewith the book is published just now.

We’ll return to the discussion the definition economical category of “investments” in different publications in the following chapter. The definitions given here are quite enough for having a notion of the level of lighting up the given category in the economical literature.
What conclusions may be made according the definition of the mentioned economical category in the published works, except the made notions and specifications?

There is quite deeply, concretely and thoroughly defined the concept of “investments”, different definitions in the economical literature; but mostly in every works about the investments discussed by us until now, there is not opened the essence of investments as an economical category. In every monograph , even if it has a title investment, as an economical category , there is given only the definition, concept of investments. But, as the Academician Vasil Chantladze explains, “a concept is a discussion, which proves something about the distinguishing feature of the researched object. A concept out of much essential characteristic features represents only one, and essential in it is only – definition”.

But the categories are much wider; it is “a key, the most fundamental concept of every science”. Economical categories theoretically represent real, objectively existed productive relations. A category is the defining of occasions of existed characters, connections, relations of the objective world. Generally, any educational process is fulfilled by the categories, which give opportunities for dividing the processes and occasions semantically, for expressing the definitions of a subject and realize their specific peculiarities and economical relations of a material world.
Our goal is exactly to substantiate investments – as an economical category and also, as a financial category in the narrow understanding.

Here we apply for another manual thesis made by the academician Vasil Chantladze: “every financial relation is an economical one and every financial category is and economical one, but not every economical relation and economical category is financial relation and financial category”.
In the process of defining the investments, it is important to take in mind the sides of resources, expenses and incomes, because investment, from one side, is the result of the manufacture’s activity, and, from another one, – a part of income, which, in this case, is not used for usage.
Another occasion: it is advisable to discuss investments in two aspects: as a category of reserve and flow, which will reflect exactly the connection between “placement of funds” and “investments”.

As we’ve mentioned above, not long ago, in the well-known Soviet literature the concepts of “the placement of funds” and “investments” were accepted to be the synonyms and concerned to be investment of sources for further production of the main funds and formation of the turnover funds. We meet with such understanding of the concept of “investment” (here, they separate three types of the investment expenses: investments in the basic capital of investments, investments in the house building and investments in the reserves) in the modern economical publications and it is mostly used on the macro level during a statistical analyze of economical processes. In this concrete occasion investment is the category of reserve.

Defining Wind Generated Electrical Power and Discussing Pros and Cons of the Technology

Introduction

Wind generated electrical power exists through harnessing wind-power energy with turbines. To fully understand wind generated electrical power, one must understand how wind powered electricity is made; resources needed to utilize wind power; types and sizes of wind turbines; building a wind turbine; potential positive and negative impacts of the technology; where wind powered electricity can be effectively generated; and, offsetting the costs of wind powered electrical technology.

How Wind Powered Electricity is Made

The technology of wind generated electrical power functions by creating electricity through the use of various styles of wind turbines. Initially, one might ask, “So how do wind turbines make electricity?” Simply said, a wind turbine works the opposite of a fan. Instead of using electricity to make wind, like a fan, wind turbines use wind to make electricity. The wind turns the blades, which spin a shaft, which connects to a generator and makes electricity.

Resources Needed to Utilize Wind Power

The primary resource of Wind powered technology is, of course, wind. Wind is very abundant in many parts of the United States and other parts of the world. Wind resources are branded by wind-power density classes, ranging from class 1 (the lowest) to class 7 (the highest). Good wind resources (e.g., class 3 and above, which have an average annual wind speed of at least 13 miles per hour) are found in many areas. Wind speed is a critical of wind resources, because the energy in wind is proportionate to the cube of the wind speed. In other words, a stronger wind means more power.

Wind resource development requires land and may compete with other uses of that land, and those alternative uses may be more highly valued than electricity generation. However, wind turbines can be positioned on land that is also used for grazing or even farming. Wherever a wind farm is to be built, roads are cut to make way for shipping parts. At each wind turbine location, the land is graded and the pad area is leveled. Wind energy also requires the building of wind turbines.

Types and Sizes of Wind Turbines

Modern wind turbines fall into two basic groups: the horizontal-axis variety and the vertical-axis design, like the eggbeater-style Darrieus model, named after its French inventor. Horizontal-axis wind turbines typically either have two or three blades. These three-bladed wind turbines are operated “upwind,” with the blades facing into the wind. Darrieus models, or vertical-axis wind turbines, have two vertically oriented blades revolving around a vertical shaft.

In addition to different types, there are many different sizes of wind turbines. Utility-scale turbines range in size from 100 kilowatts to as large as several megawatts. Larger turbines are grouped together into wind farms, which provide bulk power to an electrical grid. Single small turbines, below 100 kilowatts, are used for homes, telecommunications, or water pumping.

Small turbines are sometimes used in connection with diesel generators, batteries, and photovoltaic systems. These systems are called hybrid wind systems and are typically used in remote, off-grid locations, where a connection to the utility grid is not available.

Building a Wind Turbine

The first step in building a wind turbine is setting up the tower where the fiberglass nacelle is installed. The nacelle is a strong, hollow casing that contains the inner workings of the wind turbine. Usually made of fiberglass, the nacelle contains the main drive shaft and the gearbox. Its inner workings also contain blade pitch and yaw controls. The nacelle is assembled and attached onto a base frame at a factory.

The most diverse use of materials and the most experimentation with new materials occur with the blades. Although the most dominant material used for the blades in commercial wind turbines is fiberglass with a hollow core, other materials in use include lightweight woods and aluminum. Wooden blades are solid, but most blades consist of a skin surrounding a core that is either hollow or filled with a lightweight substance such as plastic foam or honeycomb, or balsa wood. Wind turbines also include a utility box, which converts the wind energy into electricity and which is located at the base of the tower. The generator and electronic controls are standard equipment whose main components are steel and copper. Various cables connect the utility box to the nacelle, while others connect the whole turbine to nearby turbines and to a transformer.

Potential Positive and Negative Effects of Wind Powered Electricity

There are a variety of potential positive and negative impacts of wind powered technology.

Potential positive impacts include:

• Wind energy is friendly to the surrounding environment, as no fossil fuels are burnt to generate electricity from wind energy.

• Wind turbines take up less space than the average power station. Windmills only have to occupy a few square meters for the base; this allows the land around the turbine to be used for many purposes, for example agriculture.

• Newer technologies are making the extraction of wind energy much more efficient. The wind is free, and we are able to cash in on this free source of energy.

• Wind turbines are a great resource to generate energy in remote locations, such as mountain communities and remote countryside.

• Wind turbines can be a range of different sizes in order to support varying population levels.

• When combined with solar electricity, this energy source is great for developed and developing countries to provide a steady, reliable supply of electricity.

Potential negative impacts include:

• Wind turbines generally produce less electricity than the average fossil fuelled power station, requiring multiple wind turbines to be built.

• Wind turbine construction can be very expensive and costly.

• Wind turbines can have a negative impact to surrounding wildlife during the build process.

• The noise pollution from commercial wind turbines is sometimes similar to a small jet engine.

• Protests and/or petitions usually confront any proposed wind farm development. People feel the countryside should be left intact for everyone to enjoy its beauty.

Where Wind Powered Electricity Can be Effectively Generated

Places in the world where wind blows strong and often, people and businesses can harness the wind as an option to use in the generation of electricity. Globally, these places include much of North America, southern South America, Greenland, most of Europe, Northern Africa, eastern Asia, most of Australia, and anywhere there are mountains or large hills. The top 5 countries producing electrical wind power in 2007 were: Germany, United States, Spain, India and China, respectively.

Considerable wind speeds also occur across oceans and large water bodies. Since most of the world’s population lives near oceans, wind farms with strong offshore and onshore breezes could produce an abundant amount of electricity. On land in the USA, the major wind corridor is the Great Plains which includes the states of North Dakota, South Dakota, Nebraska, Kansas, Oklahoma and Texas. The wind corridor also extends into the states west to the great mountains west, including eastern Montana, Wyoming, Colorado, and New Mexico. There are also considerable wind resources in eastern and southern Minnesota and the entire state of Iowa, diminishing south through Missouri and east through southern Wisconsin and northern Illinois, Indiana and Ohio. Parts of New York and the New England states also have considerable wind.

The Department of Energy (DOE) estimates that wind power could supply the US with 100% of its electricity, just from the Great Plains wind corridor or from offshore wind farms alone. According to the “Pickens Plan,” a $10 billion wind farm with 2500 generators can supply enough energy for 1.3 million homes, and for $1 trillion the Great Plains wind corridor could supply 20% of America’s electricity. That would be about 250,000 generators to supply 130 million homes.

In a report published by the U.S. Department of Energy, “20% Wind Energy by 2030: Increasing Wind Energy’s Contribution to U.S. Electricity Supply,” that report concluded that:

• Reaching 20% wind energy will require enhanced   transmission  infrastructure, streamlined siting and permitting regimes, improved reliability and operability of wind systems, and increased U.S. wind manufacturing capacity.

• Achieving 20% wind energy will require the number of turbine installations to increase from approximately 2000 per year in 2006 to almost 7000 per year in 2017.

• Integrating 20% wind energy into the grid can be done reliably for less than 0.5 cents per kWh.

• Achieving 20% wind energy is not limited by the availability of raw materials.

• Addressing  transmission  challenges such as siting and cost allocation of new  transmission  lines to access the nation’s best wind resources will be required to achieve 20% wind energy.

Offsetting the Costs of Wind Powered Electrical Technology

Although wind generated electrical power seems to be an unlimited resource, and, the best wind sites appear to be competitive with market electricity prices in most U.S. regions, several factors exist that make it a less appealing source of alternative energy in terms of economic cost. First off, wind is not uniformly priced resource. Its costs vary widely depending on project scale, wind speed, region, and other factors. Second, the benchmark for comparison with wind to other fuels varies regionally. Third, extra revenue is required to make a project viable, sunk costs are considerable.

To offset the factors that make wind powered electricity a less appealing source of alternative energy and promote its continued growth, wind energy in many areas receives some financial or other support to encourage development. Wind energy benefits from subsidies either to increase its attractiveness or to compensate for subsidies received by other forms of production, such as coal and nuclear, which have significant negative impacts. In the United States, wind power receives a tax credit for each Kilowatt hour produced; that was 1.9 cents per Kilowatt hour in 2006. The tax the credit has a yearly inflationary adjustment. Many American states also provide incentives, such as exemption from property tax, mandated purchases, and additional markets for “green credits.” The Energy Improvement and Extension Act of 2008 contain extensions of credits for wind, including micro-turbines.

Secondary market forces also provide incentives for businesses to use wind-generated power, even if there is a premium price for the electricity, socially responsible manufacturers pay utility companies a premium that goes to subsidize and build new wind power groundwork. Companies use wind-generated power, and in return they can claim that they are making a “green” effort.

Undoubtedly, further tax credits, subsidies and incentives will also be needed to achieve the goal of 20% Wind Energy by 2030. Today, wind power approximately accounts for about 2% of the electricity generated in the United States.

Summary

The technology of wind generated electrical power functions by creating electricity through the use of various styles of wind turbines is a very viable alternative energy. Although wind generated electrical power does have some negative impacts, this author feels that in terms of long-term cost and benefit compared with other types of energy, such as the burning of fossil fuels, using a renewable resource such as wind generated electrical power economically, environmentally, and socially is making more and more sense.

Cold Sores and Staff Infection

Cold sores are a result of infection with the herpes simplex 1 virus. This is a viral infection that once you have contracted stays in your system for life. The only treatments available are antiviral management, because there is no cure.

A person who suffers from atopic dermatitis should be extremely cautious around anyone with a cold sore. Atopic dermatitis, better known as eczema, is rashes and irritations on the skin caused by any number of environmental allergies. This condition causes very itchy dry patches of skin that can break open and are prone to secondary infection from scratching. Studies have shown that patients with eczema are more likely to carry stash on their skin than those who do not.

The herpes simplex virus can spread rapidly in a person with atomic dermatitis. This can cause an infection known as eczema herpetic. It can spread over the whole body or remain localized in areas of active eczema outbreak. This situation should be monitored very carefully by a medical professional.

Herpes virus is very contagious and the spreading capability increases in the person who has eczema. The virus can spread over the whole body very quickly leaving you open to secondary infections and especially staph. As noted above the eczema carrier is also more apt to have the staph already present on their skin, thus when scratching sores or rashes, the staph can penetrate and make a bad situation even worse.

If you have eczema and been exposed to the herpes simplex virus, it is important that you see your doctor immediately. They may want to start you on an antiviral medication sooner rather than later to ward off a potential outbreak.

Signs that you may be getting a herpiticum outbreak will include blisters, sores within the areas of eczema. These tiny blisters will soon pop and spread the virus at an alarming rate. There is a chance of fatality if not treated properly. You may feel tired or feverish and notice some swelling in the area of the rash.

It is important to note even if you are not overly concerned for yourself, you should be concerned for your family and coworkers. The virus is very contagious and should be treated immediately. Besides early treatment can lessen the severity and duration of your outbreak.

In very severe cases, your doctor may prescribe a bleach bath to kill the bacteria. However, this should never be undertaken without a doctor’s advice as the wrong dilution can cause severe problems. Phototherapy and laser therapy are also alternative therapies that your doctor or dermatologist may consider.

The main thing to remember is prevention is better than cure, use good hand washing practices and keep yourself healthy. When you are run down your immune system becomes compromised and less able to fight off infection and the herpes particles.

Defuse It – How to Not Let Anger Ruin Your Relationships

If you’re tired of feeling alone and not understood after an argument or conversation, then here’s what you need to do to keep your communications with the people want to open.

Empathize

Empathize with the people around you. You might consider that when these people do things that get to you that maybe they did not intend to do it. Now if you know that the attack was intended then you need to ignore it all. Because if a person can make you angry whenever they want to, they can control you.

But if it is not intentional, consider that the other person does what they do because of a weakness that they have. They might need your help to get some things sorted out.

Situations and circumstances that involve anger are sometimes not easy to deal with.

Soft answers

I bet you did not know that you can get someone to stop being angry by speaking soft and kind words to them. It is important that you recognize this for your relationships because when you show anger to someone, you could expect that in the majority of cases they will return that anger back to you in the form of anger of their own.

So the anger will have to stop somewhere and stopping anger will involve the use of soft answers going back and forth between the people involved.

Your hope and effort is that this way of dealing with anger will be picked up by all involved and that the angry situation would become less of an issue because of the goodwill and cooperation that soft answers are able to produce.

Do you want your relationship?

Another thing you will want to do is really consider if the relationship you are dealing with is important to you and what you are trying to do in life.

If you check it out and find that the relationship is right and you want it, then you will find this reason alone one of the biggest motivators for the persistence that is necessary for success.

If you check and find that the relationship is not worth your time then you will not have the strength to overcome the difficulties that are there. You still do not want anger to destroy it, but then maybe this bad relationship may have something to do with your anger in the first place.

Anger management classes

You do not need to wait until something drastically bad happens before you do an anger management class, so do one. Do an online class. 95% of people with anger problems benefit from taking an anger management class in as little as two months. And anger management classes do not cost much; not even half as much as losing the respect of the people you care about, and the classes can be done very conveniently in the comfort of your home or office when they are done online.

But the bottom line is that if in your heart you feel as if your relationship is threatened because of anger an anger management class can help you get your anger under control and give you a real shot at saving your relationships.

You should seriously consider carrying out these anger management techniques, you will begin to see your anger start to come under control. Angry people sometimes don’t get what they need from their anger management techniques. As for you, start applying these tips, and get yourself controlled today.