Quick Debt Relief – Debt Consolidation May Be Your Own Personal Financial “Bailout Package”

As the economic recession continues to worsen, the last thing you want to deal with is the burden of debt. If you are deeply in debt and looking for quick debt relief, then debt consolidation may the answer. It may very well be your own personal "financial bailout package".

As the name implies, a debt consolidation agency consolidates your debt . In other words, the agency rains all of the information about your income, who all of your creditors are, and how much you owe to all of your creditors. They then contact each of your creditors, acting in the capacity of an agent on your behalf. You no longer have to deal directly with your creditors. In fact, soon after you sign up for a debt consolidation plan, you can expect that the harassment phone calls will stop, and the collection notices will stop filling your mailbox. This is quick debt relief at its finest.

The agency will negotiate with your creditors for lower interest rates, lower monthly payments, and even a lower payoff balance. You will then send one monthly payment to the agency for the total amount due, rather than sending a payment to each one of your individual creditors. The agency will then be responsible for disbursing the funds to each creditor, after taking a small percentage of your payment as a fee for providing this service.

Within a few short years, your debt will be paid off in full. One point to be noted, however, is that for the duration of the time that you are on the debt consolidation plan, your credit score is likely to take a hit. However, the upside is that your debts will be paid off sooner, and will show up on your credit report as paid in full, so improving your credit score in the long term.

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Would You Like To Download A TV Series?

The internet has given us the ability to purchase so many things. From books, novelty items, electronic gadgets, music and even to videos, these can be purchased online. You’re not even limited to this country alone; you can go as far as Asia if you want to order in bulk or just something in retail as long as you have the money to pay for it.

One of the easiest things to purchase online are movies. You don’t need to pay for the shipping fee since it will be downloaded directly to your computer. The list of movies is virtually unlimited; you can watch any movies produced in any year. Even the lesser known movies are on the catalog in most of the movie sites that offer pay per download.

But these sites are not only limited to movies alone. These sites also feature TV series. As easy as you can download movies, it’s also easy to download TV series that you always liked. For people on the go, the ability to download these series and watch them at our own convenience is heaven sent.

When we have the ability to download TV series, we’ll be able to watch them anytime and how many times that we want. This advantage has been realized long ago, even before TiVo was introduced to the general public. Instead of letting your TiVo all the work of recording your favorite show or if you don’t have TiVo at your home, you can just go online and watch the show that you like anytime. After you download the series, you can just burn them and watch them with your friends in your very own home theater.

Now, it has even been made more convenient. There are lots of TV fanatics right now that are so busy they can’t just sit down in front of the TV to watch their favorite series. It’s now changed because of the PMPs (portable media players) that we can bring where ever we go. Instead of burning to DVDs after we download TV series, you can transfer the TV series to your iPod or any other media players that you can bring anywhere. While traveling you can catch up on the shows that you missed or even in your break time you can watch an episode or two.

With the ability to download TV series directly from video sites, it’s practically impossible to miss any single episode of your favorite TV series.

The Importance of Information Technology Training from a Management Perspective

Information technology training for IT managers and systems analysts may seem superfluous – these folks are usually well-learned in their areas of expertise. But, do they understand how a company’s technology fits into the bigger picture from a business perspective? That’s where management training becomes important. Every manager who plays a role in researching, selecting or implementing enterprise technology needs to have a firm grasp on the basics of emerging technologies, as well as how they serve a larger business purpose, to ensure that technology is being used to the company’s best strategic advantage.

Stay Current on Revolutionary, Emerging Technology Applications

A program of continual information technology training is crucial to the success of any IT team. Technology is constantly evolving, and it seems that there is a new application released every day that is meant to simplify doing business. This can be overwhelming if you do not stay current on the high-level trends of technology and their corresponding impact on business. With the Web 2.0 revolution in full swing, management training is a useful tool for managers to become familiar with the online trends such as blogs, wikis, podcasts and RSS feeds, as well as how the trends are going to change the ways we view the Internet and communicate with each other. It is estimated that these technologies will have significant business impact in the coming years, and companies everywhere have to consider directly how it affects their business strategies.

Information technology training can help managers determine the impact of new technologies and how to adapt their business processes. Trying to envision how Web 2.0 changes traditional business models is difficult when you have no knowledge of how these new technical applications are being used from a business perspective. First and foremost, managers must take it upon themselves to become proactive by keeping abreast of emerging trends and understanding them not only from a technical standpoint, but evaluating them from a higher-level, strategic standpoint. Management training courses on technology focus specifically on the ways that emerging technologies affect businesses on a high level. This is the type of knowledge needed to make conscious and informed decisions on what aspects of new technologies will affect your organization in the next few years and transition your thoughts into strategic action and implementation.

Collaboration and information sharing, within and outside of enterprises, are two areas that have made huge strides that management training can help your organization harness to improve business strategies. The advent of user-created content sharing has transformed the way that enterprises communicate. Enterprise-class blogs and wikis boost productivity and innovation by enabling ad hoc teams to participate in complex, collaborative problem solving, and then make the results available to the rest of the organization with ease. Information technology training gives managers the high-level information about these technologies that they need to bring them effectively into your organization.

Large companies will often struggle the most with adopting new business strategies based on emerging technologies due to organizational inertia and the lag that comes from changing any integrated system. Not only do the right people need to be convinced of the value of a new application, but the proper infrastructure often needs to be developed or tweaked to implement the technology. This is where the importance of management information technology training to understand the potential impact of technology from a business perspective comes into play.

Management Training for Appropriate Technology Selection and Recommendation

Management training courses typically deal with logistics and personnel management but fail to guide managers when it comes to making decisions about technology. As a manager in today’s world, what really matters isn’t just your ability to lead and maintain technology infrastructure – it’s your ability to deliver positive business outcomes. Cutting IT costs and managing infrastructure are only part of the equation. Technology must also reduce business risk and generate new opportunities and growth. Information technology training can help managers transition their views of technology as an isolated island off the coast of a business and look at it as one working part of the whole machine that is the organization.

Finding a cool application that has all the shiny bells and whistles you dreamed of and recommending implementation based on the technology’s sheer innovation is no longer enough to make a good business case. Before presenting a recommendation, you must understand every step involved with the successful implementation of the technology. A thorough study will need to be conducted to determine what departments, processes and functions will need to be modified in order to benefit from the new technology. Management training courses focusing on information technology gives managers the tools they need to make that determination.

If you are going to make an impact on the decision makers of a business, you have to get on their level. When it comes down to making a decision, for many business people it is all about the numbers. That is why it is essential to participate in information technology training courses that help you perform your due diligence and gather the data you need to compile hard numbers around your recommendation. What is the true return on investment that the company can expect to achieve by implementing the technology? It is much easier to convince an associate of the merits of your idea if you can show a real increase in profit based on proven research instead of attempting to sway them based on opinion only.

Conclusion

Technology is rapidly changing the way that businesses communicate and function every day. It is important for managers to take a proactive role in understanding emerging technology trends and how they may affect a company’s business model by investing in an ongoing program of information technology training for all levels of staff. Management training in particular is essential for ensuring the right technologies are pursued to ensure business success. Viewing technology as a direct influencer on the business as a whole ensures consistent alignment of goals throughout the enterprise.

Top 5 Mental Math Methods in the World

Today you can define mental math in various different ways. Some would say, memorizing times table and remembering the solutions can form the part of mental mathematics. Some would say ability to perform simple calculations in your head can be mental mathematics.

The web dictionary defines mental mathematics as “Computing an exact answer without using pencil and paper or other physical aids.”

Today there are five methods available to learn and practice mental mathematics.

Let’s begin with the first one called ‘Learning by Heart’ or better known as the rote memorizing method where your teachers ask you to mug up boring multiplication tables. It not only kills the interest of the child in mathematics but also makes sure that he develops hatred towards the subject for the rest of the years he studies it. This system gives its ardent devotee some degree of success initially as he is able to answer easy problems but then when the supposedly bigger application problems come the steam is almost over.

The second one gives you a good degree of success and I would highly recommend it to the younger lot out there. It hails from China and is popular by the name of The Abacus (also known as the Soroban in Japan). An abacus is a calculating tool, often constructed as a wooden frame with beads sliding on wires. With the use of this tool one can perform calculations relating to addition, subtraction, multiplication and division with ease. Gradually one practices with the tool in one’s hand and later on when experienced he learns to do it without the tool. This tool is then fitted into the mind mentally and he can then add, subtract multiply and divide in seconds. This tool also enhances a child’s concentration levels.

The main drawback of this system is that it focuses only on the 4 mathematical operations. Concepts beyond these operations such as Algebra, Square Roots, Cubes, Squares, Calculus, and Geometry etc cannot be solved using it at all. Also one needs a longer time to be able to fully get a grasp of the system hence you see courses in the abacus stretching to over 2 years which leads the child to boredom and then quitting from the course.

Another Chinese system mainly collected from the book The Nine Chapters on the Mathematical Art lays out an approach to mathematics that centers on finding the most general methods of solving problems. Entries in the book usually take the form of a statement of a problem, followed by the statement of the solution, and an explanation of the procedure that led to the solution.

The methods explained in this system can hardly be termed mental and they lack speed to top it all. The Chinese were definitely the most advanced of the civilization thanks to the Yangtze and Yellow Rivers but if I were to choose out of the two methods given by this culture It would be the abacus.

If wars have a 99.99% downside, sometimes they can have an upside too for they give birth to stories of hope and creativity. The next mental math system was developed during the Second World War in the Nazi Concentration Camp by a Ukrainian Mathematician Jakow Trachtenberg to keep his mind occupied. What resulted is now known as the Trachtenberg Speed System of Mathematics and consists of Rapid Mental Methods of doing Mathematics.

The system consists of a number of readily memorized patterns that allow one to perform arithmetic computations very quickly. It has wider applications than the Abacus and apart from the four basic operation methods it covers Squares and Square Roots.

The method focuses mostly on Multiplication and it even gives patterns for multiplication by particular number say 5,6,7 and even 11 and 12. It then gives a general method for rapid multiplication and a special two finger method. After practicing the method myself I realized that the multiplication was a very applicable mental method but the other methods covered to solve division and square roots were not very friendly and were impossible to be done mentally. I was in search of a much better wholesome method where I could easily perform other operations also. Another drawback of this system was that it too like the abacus failed to have a wider scope i.e to encompass other fields like Algebra, Calculus, Trignometry, Cube Roots etc

A Recommendation by a friend of mine from America introduced me to what is known as the Kumon Math Method. It was founded by a Japanese educator Toru Kumon in 1950s and as of 2007 over 4 million children were studying under the Kumon Method in over 43 different countries.

Students do not work together as a class but progress through the curriculum at their own pace, moving on to the next level when they have achieved mastery of the previous level. This sometimes involves repeating the same set of worksheets until the student achieves a satisfactory score within a specified time limit. In North American Kumon Centers, the mathematics program starts with very basic skills, such as pattern recognition and counting, and progresses to increasingly challenging subjects, such as calculus, probability and statistics. The Kumon Method does not cover geometry as a separate topic but provides sufficient geometry practice to meet the prerequisites for trigonometry, which is covered within the Kumon math program.

I was much impressed with the glamour around Kumon but a glimpse of its curriculum deeply disappointed me. It is not mental at all. It does not offer any special methods to do mathematics and one does not improve one’s speed by doing Kumon Math. There is a set curriculum of worksheets which one does till one achieves mastery in the subject. So say for example a sheet on Divison- one would continue to do division by the conventional method till he gets a satisfactory score and then he moves on to a higher level. This certainly doesn’t make division any faster and the process is certainly not mental.

A deep thought on the reason of its tremendous popularity in America led me to conclude was the lack of a franchisee business model of the abacus and the Trachtenberg speed system in the 1950s. The franchisee model was essential in taking the course from country to country. This is where Toru Kumon thrived.

Dissapointed with other cultures in the world, my search made me look in my own Indian culture. What I found astonished and amazed me so much that I fell in love with the system and started coaching neighbourhood students in it.

This is easily the World’s Fastest Mental Mathematics System called High Speed Vedic Mathematics. It has its roots in Ancient Indian Scriptures called the Vedas meaning ‘the fountain head of knowledge’. With it not only you can add, subtract, multiply or divide which is the limiting factor of the abacus but you can also solve complex mathematics such as algebra, geometry, Calculus, and Trigonometry. Some of the most advanced, complex and arduous problems can be solved using the Vedic Maths method with extreme ease.

And all this with just 16 word formulas written in Sanskrit.

High Speed Vedic Mathematics was founded by Swami Sri Bharati Krishna Tirthaji Maharaja who was the Sankaracharya (Monk of the Highest Order) of Govardhan Matha in Puri between 1911 and 1918. They are called “Vedic” as because the sutras are contained in the Atharva Veda - a branch of mathematics and engineering in the Ancient Indian Scriptures.

High Speed Vedic Mathematics is far more systematic, simplified and unified than the conventional system. It is a mental tool for calculation that encourages the development and use of intuition and innovation, while giving the student a lot of flexibility, fun and satisfaction . For your child, it means giving them a competitive edge, a way to optimize their performance and gives them an edge in mathematics and logic that will help them to shine in the classroom and beyond.

Therefore it’s direct and easy to implement in schools – a reason behind its enormous popularity among academicians and students. It complements the Mathematics curriculum conventionally taught in schools by acting as a powerful checking tool and goes to save precious time in examinations.

The Trachtenberg Method is often compared to Vedic Mathematics. Infact even some of the multiplication methods are strikingly similar. The Trachtenberg system comes the closest to the Vedic System in comparison and ease of the methods. But the ease and mental solvability of the other method especially division, square roots, cube roots, Algebraic Equations, Trigonometry, Calculus etc clearly gives the Vedic System an edge. Even NASA is said to be using some of this methods applications in the field of artificial intelligence.

There are just 16 Vedic Math sutras or word formulas which one needs to practice in order to be efficient in Vedic Math system. Sutras or Word Math Formulas such as the Vertically and Crosswise, All from Nine and Last from ten helps to solve complex problems with ease and also a single formula can be applied in two or more fields at the same time. The Vertically and Crosswise formula is one such gem by which one can multiply, find squares, solve simultaneous equations and find the determinant of a matrix all at the same time.

If either of these methods is learned at an early age, a student aged 14 can perform lightening fast calculations easily during his examinations and ace through them.

Vedic Mathematics is fast gaining popularity in this millennium. It is being considered as the only mental math system suited for a child as it helps to develop his numerical as well as mental abilities. The methods are new and practical and teach only Mental Rapid Mathematics.

The system does not focus on learning by repetition as in the Kumon Method. The system focuses on improving intelligence by teaching fundamentals and alternate methods. The purpose is not limited to improving performance in the school or tests, but on providing a broader outlook resulting in improved mathematical intelligence and mental sharpness.

To know more about the Vedic Mathematics Sutras – The World’s Fastest Mental Math System you can visit http://www.vedicmathsindia.org

This Article is by Gaurav Tekriwal,, The President of the Vedic Maths Forum India who has been conducting High Speed Vedic Math Workshops for the last five years and has trained over seven thousand students across the world in the field. He is the author of the best selling DVD on the subject which contains over 10 hours on the subject. He is an expert in the field and revolutionizes the way children learn math.