Credit Collection Laws And You

May 21, 2017

The Fair Debt Collection Practices Act and the Fair Credit Act has helped thousands of debtors free themselves from collection agents and junk debt buyers who act like complete Neanderthals when collecting debts. Junk debt buyers, collection agencies and sometimes, even original creditors are known mostly for their unforgiving, intimidating and often illegal collection tactics to extract money from debtors. Since laws have been enforced, consumer rights are protected against mean-spirited credit collectors, which is why it is important to educate yourself with credit collection laws to minimize the chances of being harassed by creditors or collection agencies.

One of the most common ways debt collectors obtain information from debtors is asking for their bank or credit card information. In the past, debtors have no other choice but to divulge such sensitive information from creditors or collection agencies. However, things have changed, laws are enacted and junk debt collectors and collection agencies can no longer make a person give his or her credit card and bank information.Once contacted by a debt collector, debtors are given 30 days to dispute the debt and make the debt collector prove the ownership of the debt in dispute. The bottom line is, you don’t need to pay anything just because someone claims you owe them money. If they can’t produce proof that you owe them money, they can’t collect the money nor can they file a credit card lawsuit.Apart from proving the debt’s ownership, collectors can no longer threaten, use profanity, vulgarities or use demeaning language to scare debtors into paying the debt. They can no longer humiliate you or talk to third parties about your financial problems. They can no longer discuss confidential debt information to other people. They can no longer threaten to garnish your wages, put lien on your properties when they haven’t gained legal authority to do so. They can only obtain a portion of your paycheck if they win the credit card lawsuit they filed otherwise, no such threats are allowed under the FDCPA.

If debt collectors continuously call you at the dead of the night or early in the morning, you can send them a Cease and Desist letter, information them that you do not wish to be contacted via phone calls and will respond only in writing. In response, the debt collector can only notify you about their next step, usually filing a credit card lawsuit, in writing. If they refuse to comply, they are violating the mandates of collection laws and will be brought to justice.

Find Scrapbooking Titles in Music, Movies and Television

May 3, 2017

Are you ever stuck for a perfect phrase for your scrapbooking title? Maybe you just stick with the date or the seasons like summer or fall. Some scrapbookers title every page with the name of the subject in the photograph. It might be a place, like Disney World or the beach, or it could be a person’s name like Susan or Grandpa. Being creative with scrapbooking titles adds interest to a page layout just like embellishments and borders. Music, movies and television can offer inspiration and ideas for your scrapbooking titles that will capture the mood and theme of your next page layout.Scrapbooking Titles in MusicMusic inspires us all. How often have you heard a song on the radio and it immediately brings back a memory from years ago. It might be a song that was playing when you first dated your husband, or maybe it’s a song from your high school days that reminds you of your senior year. Songs have the ability to spark memories in all of us.

For your next page layout, look to music for your inspiration. Song titles are great sources for scrapbooking page titles. Quoting a single song title may be all you need to say to start singing that song in your head. Some examples of song titles that could be used as scrapbooking page titles are “Simply Irresistible,” “Brown-eyed Girl,” and “You Are My sunshine.” Keep a list of possible song titles that would work well on your scrapbooking projects.Sometimes it’s the lyrics themselves that inspire us. You might want to use more than just the title. A lyric like, “These are the moments, and I could not ask for more,” will add just the right mood to a treasured photograph.Scrapbooking Titles in Television and MoviesConsider adapting television show titles like, “The Brady Bunch” and “Days of Our Lives” to a scrapbook page. Maybe something simple like “Survivor” or “Lost” says it all. Movie titles, such as, “Mission Impossible,” “Little Miss Sunshine” or “Back to the Future,” might be perfect for one of your layouts.Many TV and movie characters are known for a certain phrase or saying. These quotes often work well as scrapbooking titles. Does your favorite TV or movie character have a particular line that just fits with one of your photographs or scrapbooking pages? Think of phrases like, “How Sweet It Is,” “May the Force Be With You” or “Here’s Looking At You, Kid.”Scrapbooking Titles in Commercials and AdvertisingSlogans, sayings and jingles can all be a source of inspiration for scrapbooking titles. Those catchy phrases we never seem to forget also make fun headlines for our scrapbook pages. Scrapbooking titles can be found in the lyrics of commercial jingles, as well as, in the slogans on print advertising. The next time you are considering fast forwarding through the commercials of a taping of your favorite television show, you might consider listening to the advertisements for scrapbooking title ideas. There are many slogans that could easily be adapted to a page layout title. Consider using “I’m Lovin’ It,” or “Zoom, Zoom, Zoom,” or perhaps, “It’s the Real Thing” or “A Diamond Is Forever.”

Movies, music and television can inspire a huge list of potential scrapbooking titles for just about any page layout. The next time you need ideas for a scrapbook page title just turn on your radio or television for inspiration.

The Difference Between SEO and SEM

April 30, 2017

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

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

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

Sedation Dentistry: It’s Important to Understand Different Types of It

May 4, 2017

One of the biggest reasons for people to avoid any visit to a dental clinic is the fear of the equipment. Now let me tell you something – The dental professional which you will choose is qualified enough and has years of experience. They will never perform any procedure (surgical or non-surgical) without any precaution. So for the purpose of surgical procedure dentistry has a new development called sedation dentistry. The information present in this article is for you to understand that sedation dentistry is safe and really important.Honestly you must not have heard much about sedation dentistry but it has been in existence since a really long time. There is one sedation dentistry technique which is being since 1840s till date. In this technique your dentist will use Nitrous Oxide popularly known as laughing gas. Furthermore the use of ether in general sedation was introduced in the dentistry vertical by a Welsh Student.

Sedation Dentistry is apt for those patients who have the tendency of feeling anxiety when they have to undergo a dental treatment. Sedative can be used for any sort of dental treatment whether it is surgical or simply tooth whitening and cleaning. So basically sedation dentistry helps a patient to relax and feel nothing while undergoing a dental treatment. At times this procedure is referred to as sleep dentistry however the fact is that even though sedatives are applied patients are still awake.Sedation Dentistry involves four levels:• Minimal: Where-in the patient is awake but is completely relaxed.
• Moderate: You won’t remember every detail and step of the procedure but you might speak in a dizzy tone.
• Deep: Not completely awake and not completely unconscious.
• General: You will be completely unconscious.This form of dentistry is categorized into four types. These types have been mentioned below:• Inhaled minimal: Here you will be breathing in laughing gas or Nitrous oxide. The gas is inhaled in combination with oxygen through a mask. It helps in relaxing your entire body and nerves.• Oral: You will be given a pill an hour before the procedure will start. The sedation can range from minimal to moderate depending upon the total dose. The effect will be that you will feel drowsy but will still be awake. You might even sleep but can be awaken by a little shake.• IV moderate: You will receive this sedation through a vein. The effect is quick.• Deep: This will make your body completely unconscious. You won’t wake up unless the effect of sedative subsides.Apart from all these sedatives that are being used you will also receive a local anesthesia. This will help in numbing the area where your dentist will perform the procedure.

As mentioned before sedation dentistry is best for those who anxiety problem. This problem prevents them patients from visiting the dental clinic. The other reasons why sedation dentistry is best for you are:• You cannot tolerate pain
• You can’t sit at the dentist’s chair
• Tooth Sensitivity
• You gag too soon
• Some major dental problems to be fixed in terms of surgery.You need to tell your dental professional that you suffer from any of the above listed problems. After gauging the dental problem he/she will then decide whether you will undergo sedation dentistry or not. They will also decide the type of sedation which is right for you.There is no harm in looking into sedation dentistry. You must know that a dentist who is performing this procedure is someone who understands your problem and is ready to work with you.

Web Directories – Performance, Purpose, Problems – A General Guide to Web Directories

May 23, 2017

The path to building a successful web directory is far from a simple task. It requires a certain amount of devotion to take a web directory script and transform it into a heavily used directory. Web directories contain more complexities than meets the eye, and I have learned first hand that the development of a quality web directory is no walk in the park. But a good web directory is worth its weight in gold, for both webmasters & internet surfers alike. Let us enter the world of web directories.A web directory acts much like a search engine, but on a much smaller scale. Web directories are essentially a categorized index of websites that have been submitted by website owners. Directories normally have search features, allowing users to search through the entire index, just like a search engine. The main differences between a directory and a search engine is that very few directories contain the amount of links that a search engine does. Search engines also collect data from websites, which is used to categorize and rank them. Directories lack the ability to “crawl”, or exam websites as search engines due, therefore the only information a directory contains on a particular website is the information that was submitted by the website owner. Most directories use meta tags and keywords to search for websites, where as search engines use complex algorithms that take into consideration much more than meta tags (the value of meta tags in search engines has actually declined). Web directories are not the most popular internet search tools because huge search engines like Google and Yahoo are much more convenient to use and contain a vast amount of resources available to be searched. The largest and most popular web directory is the Open Directory Project (DMOZ), whose links are indexed by Google, Yahoo, and the majority of other search engines. Google and Yahoo both have their own web directories as well. Though independently owned web directories may not be so popular for internet searchers, they do have their benefits for webmasters & surfers alike.Web directories can have several purposes, it all depends on what the administration’s intended goals are. Some web directories are purely advertising hot spots, while others focus on driving targeted traffic to the directory. Some directories are free, some paid, others both. Directories can have broad topics, or specific topics. Lets start with the different types of web directories.First, we have what is commonly referred to as a “niche” directory. Niche directories have a specific topic, or niche, and the links found within the directory reflect that. Examples of a niche would be automotive directories, sports directories, shopping directories, web promotion directories, etc. Niche directories are most beneficial to internet *searchers; they have a specific topic and therefore *surfers and *searchers have a better chance of finding what they want. In a human edited niche directory, you are very unlikely to find spam sites as well.We will label the next kind of web directory as a “Free for All” directory. Free for all directories have no specific topic. They are very broad in their category selection and links are usually hidden behind several sub-categories. Free for all websites can benefit webmasters so long as the “no follow” tag is not applied (page rank increase), however it is in your best interest to avoid free for all directories for several reasons. Using a free for all directory to search for a website is more likely than not going to require you to sort through heaps of spam. A lot of free for all directories are not human edited due to the massive amount of link requests they receive, and websites are not carefully examined before being approved into the directory. The link quality of some free for all directories is extremely poor. Also, a lot of free for all directories extract data from other directories; how original. No sense in supporting the lack of creativity or devotion in such web directories. Despite a flood of low quality free for all directories, there are some very good ones available. A well organized, human edited (human edited = higher quality links) free for all directory is a great place to search for websites. It also serves webmasters with increased website exposure and if they are lucky, the directory is indexed by Google and other search engines, therefore improving its ranking on search engine result pages.

The final type of web directories that will be examined are the poorest quality ones. Often referred to as “link farms” these directories are not human edited, due to contain high quality links, lack organization and unique features, and more often than not they become blacklisted from the major search engines. Searching these type of web directories is useless, and it’s highly recommended that you do not support such sites. Furthermore, if you are a webmaster, submitting your website to link farms will substantially decrease your popularity amongst search engines. These directories due more harm then good, and consequently give other directories a bad name.Whether you are submitting a website or searching for one, you will achieve the best results with a high quality niche directory. Webmasters, here are the common submission options for most web directories: Free submission: Submit your website to the directory for free. Simply fill out the form and wait for approval. A “no follow” tag is often placed on free submissions. Regular Submission: A small fee is usually necessary for regular submissions. Regular submissions can sometimes use the “no follow” tag. The main benefit is that submission approval times are significantly faster for regular submissions. Reciprocal Submissions: Free submissions that require a reciprocal link of the web directory to be placed onto the website you are submitting. Reciprocal submissions sometimes use “no follow’ tags, but often do not. Cost is free with reciprocal submissions. Featured Submissions: Paid submissions that grant you premium listing (websites listed in special section of category, generally above regular links), fast submission approval, and paid submissions do not place “no follow” tags on your links, meaning you gain a back link for search engine ranking benefits. Featured and regular submission fees are generally charged per year, and prices vary depending on the directory and the traffic it receives.Web directories have benefits for both webmasters and internet users. For webmasters, web directories main benefit is website exposure. Webmasters submit their websites to directories to increase their exposure. Not only can they receive traffic from people using the directory, but they can also benefit from a back link; a link to their website indexed by Google. Google ranks pages in several ways, but back links is one of the most important. A quality back link to your website increases your Google page rank. Enough quality directory back links, and your on your way to the top spot in Google search results. Bottom line: Web directories can increase your websites exposure by sending targeted traffic your way. For people using web directories as a search tool, web directories can offer you a big advantage over search engines. Search engine indexing is a big contest between website owners and therefore a lot of high quality content gets left out of the search engine result pages. Top results often go to corporations, big business, or highly devoted marketers. What about the little enthusiast and personal websites that contain valuable knowledge otherwise unavailable on the web?Well, a lot of these quality content websites can be found in web directories. If you are having trouble finding what your looking for in search engines, try searching for a niche directory and I bet you will find what your looking for. Furthermore, using web directories supports smaller businesses and helps the little guy out. Not everyone has the time or money to spend on internet marketing or website promotion, and web directories are a great way for these small websites to gain some exposure. Big search engines have monopolized the internet search market, and it makes the relationship between big search engines and website owners way to critical. Google doesn’t like you, and your sales drop 75 %. Now that does not seem right, does it? If more people frequented web directories, directory owners would gain a larger slice of the search engine market.There is a large number of web directories on the internet today that have been blacklisted by Google. It is best to avoid these directories at all costs; having your link listed there will most likely negatively affect your search engine rankings. But how do you know which directories to submit your URL to and which ones to avoid? These guidelines in rating web directories may help:1. Organization- Web Directories should be well organized and categorized.- Categories should be, neither, too broad nor too narrow. Category organization is important, but a directories search feature holds more value for finding links.- Links should be easily accessible.- Links should be posted into the correct category. If they are not, this is a sign of automated link approval, which should never be used in a directory. (Even the largest, most powerful of web directories are human edited).

- Poor quality and spam links should not be accepted into any decent web directory.2. Advertisements- A quality directory should contain a free submission option, so it is necessary for directories to offer sponsored listings and sale advertisement space. However, the page should not be cluttered with ads. This is a sign that the directory administration is too focused on making a quick buck than enhancing the internet experience.- If the directory has a specific topic, or niche, than the advertisements should pertain to that topic. Off topic and irrelevant ads do not belong on niche directories.3. Page Rank (PR)- Rumor has it that it’s possible to fake some page rank indicators. Make sure your page rank comes from a reliable source when examining the PR of a web directory.- Page rank is important factor in website popularity. However, directories that boast high page ranks, or have their page rank in the directory name or slogan typically use the page rank factor to compensate for their downfalls. It’s like bragging…and you want a modest web directory. Find a directory that shares and uses their page rank to the benefit of directory users, not a directory that clearly lacks in features but boasts a high PR.- Directories that display website links within a category in descending order of PR are less desirable than those that display links based on popularity (unique hits). Most desirable first, not highest PR; very beneficial to new websites attempting to build initial PR.4. No Follow Tag- A web directory that uses “no follow” tags on all links is useless.- “no follow” tags are acceptable on free submissions. Reciprocal & featured submissions should not be tagged as “no follow” links. This gives value and meaning to featured (sponsored) & reciprocal links, while controlling the amount of links indexed by search engines to a reasonable number.- In a quality directory, do not fear a “no follow” on your free submission. A good directory brings in targeted traffic, and though you may be missing out on that back link, there is still a lot of potential for increasing traffic.5. Reviews, Marketing, & Promotion- Search around for reviews and recommendations on web directories. There are some really good resources when it comes to choosing quality directories.- A web directory should be marketed to both webmasters & internet surfers. If a directory only attracts webmasters, what kind of web traffic is it likely to bring? Look into how the web directory is promoted and marketed.
These 5 guidelines can help you distinguish between low quality link farms and high quality, effective web directories. I hope this information helps you in your website’s marketing and promotion campaign, in terms of website directory submission.Teal Reid, SYC Automotive Directory Administrator

How To Make Sure The Toys You Buy Are Safe

May 15, 2017

There are some very strict safety regulations in the United States that attempt to insure the safety of toys that are sold. But even with the strict regulations there are occasions from time to time where unsafe toys make it into the market.As a whole the regulations that are in place to ensure toy safety have been very successful. When compared to the number of toys that are sold on the market each year there have been very few incidents which were caused by unsafe or defective toys. Most accidents are caused by improper usage or common accident such as tripping on them.In the few cases where defective or unsafe toys have actually made it into the market they were recalled fairly quickly. But this is no reason for parents not let their guard down when buying toys.Check The Label: Safety Labels Are A MustThe first thing that should be checked when buying a toy is whether or not is has the appropriate safety labels. The primary label in the United States would be that of the Consumer Product Safety Commission which signifies that the toy meets the minimum safety standards.The next important labels to look for when shopping for toys would be age labels. You should always follow age guidelines, as they are an essential part of toy safety.Most toys have age labels, even if they are not legally required. Any toy that is not suitable for children under 36 months must have a visible label stating so.

Though, in general most toys give guidance as to what age group they are designed for. These guidelines let you know what age group will benefit the most from the toy, in terms of development, fun, and understanding. Here is a brief guide of different kinds of toys and what age group they are intended for:Under three yearsFor this age group the greatest threat that toys pose is a choking hazard. Most everything a baby or toddler gets their hands on, ends up in their mouth. For this reason, very small toys or toys with small parts are especially unsuitable. Be sure to keep marbles and small balls or buttons out of their reach; be careful with inflatable toys and balloons; and avoid toys with pointy or sharp edges.Three to five yearsChildren of this age are full of discovery and are capable of playing with more sophisticated toys. However, you should still be cautious as certain toys could still pose a risk to them. Avoid toys made with thin plastic that might break and cause injury and still watch for small parts that they may still be tempted to put in their mouth.Six to twelve yearsBy this age children will be able to safely play with almost any toy they are given. However, always read hazard warnings and instruction pamphlets for maintenance guides. For example, if you buy a trampoline you will need to carry out maintenance on it on a regular basis. If you buy a bike or skateboard for your child, you should also buy appropriate protective equipment. Always make sure you get the right size ride on toy for your child, so he/she can handle and enjoy what he/she is given.Things can get a little complicated when you have children of varying ages. When you have lots of different toys that are suitable for varying ages you have to stay vigilant. For starters, you should teach older children to keep their toys out of reach of younger children, especially when they contain small parts and/or are breakable. It is also best if you do not put different age appropriate toys into one toy bin. Have a separate box for each child and make sure they do not swap out toys. To help keep organized, you should follow and separate based on the age labels on the toys.In general it is a good idea to be organized and keep toys in order. Having toys lying around the house is a common cause of accidents. If you have children of varying ages, this can be dangerous and allow smaller children to get to toys not intended for their age group. Keep in mind that children are intended to play with the toys, but all maintenance, such as changing of batteries should be carried out by an adult.

Toy safety labels offer an important safeguard against dangerous toys reaching our children, but it is just as important to use your own common sense. Before purchasing a toy, examine it thoroughly yourself to make sure that it is sturdy and well constructed. Check for any sharp edges or pointy corners, especially when buying toys for younger children. For example, if you are buying a stuffed animal make sure all stitching is secure and small items like the eyes or nose will not come off easily.If your child has an accident with a toy or you suspect a toy is potentially harmful, you should take immediate action. The first step is to take the toy out of the reach of all children. Once the child is cared for and the immediate danger has passed, you should report the toy to the appropriate authorities. You will need to keep the toy safe for examination and you should also try to provide details of where and when you bought the toy. It is important to regularly check online for toy recalls. This way you can remove a potentially dangerous toy before any incident occurs.

Hoodia and Alli – Product Reviews

May 2, 2017

Obesity is a growing concern in our generation. Millions of Americans who buy diet products are diagnosed as obese or overweight, with a lot more in other countries. This phenomenon was caused by a mixture of a sedentary lifestyle and an improper, fat-filled diet. As we grow increasingly interconnected, many people can now work in the comfort of their own homes. While this has proven to be an advantage, these same people can become obese if they’re not careful.Because of the prevalence of obesity worldwide, several companies have produced diet products that claim to help in weight loss. Some of these products are chemical in nature, while others are simply herbal supplements. One difference that isn’t readily apparent is the fact that herbal supplements like hoodia don’t have to get approval from the Food and Drug Administration. Because of its nature as a supplement (as opposed to a drug), the FDA simply has to make sure that the substance is safe for regular use. It doesn’t have to be approved in terms of effectiveness.

Patients who buy Alli, on the other hand, can be sure that it has FDA approval for diet products. It wouldn’t be released otherwise. It is marketed as safe and effective, and the official Alli website partners the medication with a comprehensive weight loss program that encourages a change in lifestyle and eating habits.How these two substances work are vastly different. Hoodia was discovered during the mid-30s when anthropologists noted that African tribesmen ate the plant to prevent hunger. Pretty soon, the plant was being studied for its applications to diet products. This particular diet supplement works on the body by suppressing appetite. Specifically, it tells the brain that the body has already eaten enough, and thus a person who ingests it doesn’t feel hunger for a longer period of time.When you buy Alli, you’ll notice several key differences. One of the most major differences is that it doesn’t do what hoodia does to the brain. In contrast to sending signals to the brain, this weight loss drug instead disables the primary enzyme that helps the body digest fat. This allows the unabsorbed fat molecules to be discharged through the bowels. In other words, they aren’t stored in the body like they normally would be.Like all oral medications, both of these substances have side effects. Those who buy Alli may experience diarrhea and frequent bowel movements. This can be attributed to the drug’s work with the fat in the body, and a low-fat diet will help minimize this side effect. Hoodia has been reported to have negative effects on the liver. Because studies haven’t been adequately done on this supplement, there are no official reports about its side effects. As a safety precaution, diabetics, pregnant or breastfeeding women, and hypertensive patients should avoid taking it.

With the availability of diet products on the market, we’re making headway in the battle against obesity. Whether it’s a chemical drug like Alli or an herbal supplement like hoodia, modern medicine has given us some of the tools to fight this condition. However, a complete victory really can’t be declared without the appropriate changes in lifestyle and diet. Supplements alone aren’t going to keep us healthy.

The 7 Pillars of Branding

April 30, 2017

Although the question of branding has always been essential part of marketing and has been approached with multi-dimension models, sometimes these studies have been made without systematic approach or with full of redundancy or ad-hoc views. Unlike marketing which has the widely-known and usable, practical 7P-model, branding still misses such a sort of basic structure which makes the skeleton of all branding story.Here I am making an outline of such a simplified model to help people in successfully designing brands and also to better understanding the already existing ones. I collected 7 layers of the branding with 7 different tasks to be completed in everyday actions. I hope this can be useful for the readers, too.Right before entering this syllabus, we need to define what brand and branding is: in our view brand is a vision that is related to a specific company, product or any specific entity which lives in people and materializes to them. Branding is the art of deliberate control over the whole process.First pillar: Publicly knownA brand always defines a smaller or bigger group of people who are somehow aware of the product or the service in question. This is the prerequisite or trivial condition of all brands: if you are the only one who knows a specific service or uses a specific product and no information is publicized, the service or product is unable to evolve into a brand. This is the primary task of all marketing efforts, making our specific product or service (along with its whole branding costume) widely known on the addressed market: the majority of the marketing budget is used for this purpose. At this point we normally pay attention to the details of the publicity of all brands: target segment(s), its content, geographic, demography, media, communication methods, timing etc.Task 1: design and make your publicityHowever, the fame of a product or service is not exclusively based on the publicity gained (mostly depending on the money available for promoting the brand) via frontal, push-type of promotion. Money spent on communications is a very important factor to reach the second stage of publicity: the people involved in the communications flow will probably share the information with each other and start a – sometimes very simple and few words – discussion about the product or service heard. The act of sharing the information with each other happens or has happened with all known brands. Suggestions, opinions made in public are very important in articulating brand and thus creating or strengthening/weakening brands. This is why the importance of Facebook in contemporary marketing cannot be overestimated enough, or, with similar effect, the customer service/problem handling has always been focal point of customer satisfaction and branding, too.The publicity of branding therefore incorporates all means of sharing the information related to a specific brand or service. There are two basic type of publicities: there is of course the strictly controlled information sharing method (typically: marketing communications) and we also have to face a second publicity, the huge uncontrolled means of communication. When we are thinking on designing a new brand or just examining an existing one, we have to enlist all the ways how the specific brand gains publicity and sort them by relevance with regards to the public coverage and effect, making special attention to the uncontrolled ways of publicity.The success of controlling publicity is a key to profit from branding, however, public control will never mean information monopoly over the media and over the outcome: even situations when a company has theoretically 100% control over the situation (e.g. customer care desk at the office or shop), it is always a challenge to control what is exactly happening there, what is going to be told or heard. Thus, from micro to macro level the publicity always carries a huge uncertainty factor with regards to reach, direct effect and future implications.Second pillar: Associative and narrative – stories aroundThe discussions initiated and information shared publicly about a brand (or a branded product or service) would show up the next major characteristic of brands, that is, the power of the coupling or association related to the branded products or services. In other words, branding means that we create stories around a brand. Brand identity or personality, brand vision, brand promise are the official stories reflecting the narrative of a generic brand on different levels. Marketing creative planning is exactly doing the same around a specific product of a brand (e.g. ‘The environment friendly Toyota Prius’ as a story), while general brand stories (I mean the Toyota brand in the example) or associations are on higher level only. We therefore have to consider several layers of brand stories or narratives when examining them. It is very useful when these stories are consistent and formed professionally and are not contradicting to each other.

Brands are incorporating many stories and ideas not just from individual products and services determined by the company but stories and ideas also coming from the public. Unfortunately – as we mentioned above – we cannot control the majority of the perceptions of our brand. Individual opinions, perceived qualities, good or bad experiences are building the narrative universe, or more simply, the stories of a brand.Task 2: define and drive brand storiesNotwithstanding the above, we can drive these brand stories and narrow them to the desired ones on at least two-three different areas. The mission statement of a company/organization is the very source of official brand stories and determines the branding direction via its written values and operational reasons. Secondly, the slogan or the tagline of a brand (like LG’s Life’s Good) is meant to embody the driving narrative story and works like a magnet: collects all the associations around a brand. The third layer of story comes along with specific products or services: repeating the slogans, taglines while inserting the logo of the brand on individual products/services makes the specific product or service painted with the general brand’s associations and qualities. The individual story of a product or service is like a topping on the branding cake. Pure brand campaigns on the other hand are always aiming outlining and fixing the desired main stories and narratives of qualities in the customers.Controlling publicity cannot be done without controlling the stories attached to a specific brand and seems the major task of all branding and communications managers. Here, we have to highlight a related issue which behaves like the blind spot of the branding: rebranding. Rebranding campaigns are to change the very basic story of a brand. This is the reason why these campaigns fail many times and real rebranding is a very seldom event.Third pillar: Concrete and multiplicative formIn real life we always give tangible forms to brands because we want to make profit from our money spent. Brand without concrete product/service to buy (or without a related person when we talk about personal brands) is useless or just a promise (like the newly planned Jolla mobile OS with only a demo video). The embodiment of a Brand is an essential part of its very nature.Normally we use the power of a general Brand Name for many individual products. An already existing brand hands over its potentials (its stories of qualities, usage, value etc.) to specific, individual products and even when we see a new product of an already known brand we are already having a presupposition or sense of certain expectations towards the brand new product. A VW car is perceived for many as a reliable one; however, it may happen that a much lower quality is introduced in a new model than what the brand had fulfilled at its predecessors.Task 3: make several appearances to utilize brand powerMost times we may say that a brand is transferred into several products and therefore it is multiplicative. It is very seldom that an earned reputation of a brand represented in only one product or service. For example the perfume 4711 seems to be transferred only into one product for a long time, but the brand’s product portfolio today consists of more than one item: after shave or even shower gel is also produced. Start-ups typically own only one product and normally the first product is the one that determines and forms the brand later on. Initially, the brand is typically built upon on only one product or service and this is why it is very sensitive when entering a market with a new company and a new product: it also determines the future brand and products the company assessed with.Personal brands, seen superficially, are not multiplicative: a person who has double face (see politicians) and therefore not able to form a consistent and concrete personal brand, are subject to lose their reputation and their face rapidly. This is because brands can have only one concrete (credible) story, without major contradictions. The multiplicative nature of personal brands should be investigated from another perspective. In case we regard a person’s appearances in public as concretizations and multiplications of his/her brand, we are closer to the truth and we understand better why celebrities and politicians are so keen on public appearances.Fourth pillar: Unique propositionThe history of branding is stemming from the wish of making a producer’s goods identifiable. This is not just to ensure the identity of goods but also to prevent from copying and forgery. The brands around us are still carrying these old attributes: the logo of the company/brand is expressing the uniqueness of a brand (supported by law as trade marks) and helps us to identify a specific brand in the universe of brands and signs.Sometimes it is very hard to make distinction based on the products/services alone: Pepsi and its rivals put in a neutral glass next to each other are unidentifiable, so the use of branding techniques is crucial for gaining profit for both companies. Just like in the cola case, the technological industry also heavily relies on the branding when selling its products or services: PCs, laptops, smart phones or internet accesses are very similar to each other. Or, a tax advisory service consultant firm is facing real challenges to provide specific brand vision.Task 4: find and use the means of brand differentiationsThe unique proposition of the brands has to be built up and shown for the public: the individual logos of brands on devices for example help the company to make distinction from their competitors and help the customers to identify different market players in order to make a personal choice of preference. Most times companies heavily rely on the unique brand distinguishers, like stories about their unique market segment, tailor-made products, additional services they provide etc. Sometimes, when stories among a group of competitors are very similar or compatible (like the Big Four Auditors) and even their service is similar, a common story may evolve around them focusing on more the similarity and indirectly expressing the exclusivity of the group members.Fifth pillar: ValueWhen we identify a brand on its telltale signs (e.g. design) or logo we do not think on what we see first (the product itself) but rather we focus on the brand value represented by the specific product or service. We may say (even without seeing the product) that if you are having Martin Logan stereo speakers that is very cool, but if you are having Philips that is not so awesome. Different brands represent different values: there are low-end and high-end brands with many in between. Start-up companies have to position their brand value on the axis predetermined by the existing market players. Making decision on positioning the companies’ services or products on the lower or higher end of this axis has nothing to do with ethical values: a low-end, cheap car helps many disabled or poor people without doubt. Rather, making the choice of brand values determine the market we are about to target. And this target market decision affects our business outlooks directly. When Toyota launched it Lexus series and decided to focus on the higher end cars they probably considered the higher profit option.The value of a brand is also expressed in a more measurable way. In general ledgers brands are valued as a part of the company’s goodwill and are very sensitive for new product introductions and for amortization, too. From financial point of view brands regarded as assets that have been created due to investment and are also subject to lose or increase their values.Task 5: define and carry brand valuesThe value of a brand emanates into individual products of a company and the value of the sold products affects the value of the brands. More surprisingly, the value of a brand may transfer over the buyer persona influencing the perceived value of a person in a certain group of people (see Apple fan-effect) while the network-effect of the public also modifies the brand value (exclusivity, limited models are also able to increase brand value).The relative price of a product or the whole branded portfolio both has very special connection with the brand value: the higher the price positioned the harder to imagine low brand value. This is because the narrative of the price (see Second pillar) influences the brand value. Other narratives of a brand (how durable it is, for instance, or which celebrities are using this brand) heavily effect the brand value, too. Similarly, the extent of public spread (see First pillar – how much the brand is known, how much spent on advertising) also effects the brand value.Brand value is determined by several other factors even not listed here. It is partly the result of deliberate actions of the company (market positioning of the brand and its products) but also exposed to external factors (like time) and public opinion.( LG’s rebranding from the low-end Goldstar brand to the higher positioned LG showed that value propositions of a brand require efforts in both areas. Grundig made the opposite U-turn when sold to Chinese company.)

Sixth pillar: personal relationAll the pillars encountered previously are summoning on personal level because the nature and the definition of branding 100% relates to human feelings and perceptions. Most cases we can translate this personal effect and feelings to perceived brand values and the position of a brand in the customers’ head. People know or do not know, like or dislike brands, become haters or fans of brands, recommend or just accept certain brands.Task 6: turn personal relation to actionAs a result, this personal disposition of a brand clearly ends up in the relation to the act of buying. We, marketing professionals should not deny the aboriginal intention of our branding efforts to influence buying decisions on personal level. We are not just simply influencing people in business for the sake of general human aims: we do not want world peace; we do want to have our specific products and services sold. We want to convince John or Clair Smith as individual customers to select our service or product. This is the action we – or more generally: the investors – expect from any investments (including brand campaigns) made.Fortunately we not all live in the business sector, not all follow business aims (i.e. sales) in our lives. Surprisingly, non-profit organizations are not so much different from business ventures from this point of view. Non-profits also want to have a specific action to be reached: an action that is maybe appearing directly (like giving donation for starving people) but can be mental action or change to be targeted (for instance diversity campaigns).The personal relation to a branded entity can be outlined in a matrix where on the first axis we can define the readiness or probability of buying action (or in a non-profit: readiness for action) and on the second axis we may highlight the level of brand’s emotional acceptance.The personal relation to a specific brand with regards to the ultimate sales reason can be mapped as shown, but we should not forget that personal emotions and relations to brands are much wider than presented above: some people feel that their beloved brand is expressing also their way of life, involving several other actions well beyond a simple shopping; or just feeling neutral about a brand while the person is not going to be represented in any commercial situation (like myself with any hunting brands, although I know some of them).We should therefore identify very precisely the personal relations to our brand of our existing and potential customers and we should make focused actions to harvest the branding efforts we have previously made.Seventh pillar: Exposure to timeWe have already mentioned before the amortization as an important factor in brand values. The simple reason of amortization is that the brands (via materialized products/services) and the customers live in time.The general life exposure to time factor represented in concrete shapes with regards to brand itself and to its specific products/services. (Amortization is only the result of that process.) Brand perception very much effected by the products/services in timeline (e.g. how much up-to-date the product is reflects the brand’s state-of-the-art nature) and on the other hand the brand itself (without looking at individual products) also has an individual character which has its own life-cycle (how old a brand is, what type of products they represent).Task 7: Consider time: plan and replan over timeBrands do not last for ever and are changing over time, even without deliberate actions. Amortization expresses the time-factor in economic terms but all the pillars mentioned before has a time layer. The repeated actions of marketing campaigns, the product developments or changes in market environments change the face of the brand even if it is not perceived by the company. The sad story of Nokia is a perfect example of how this specific brand was effected by the time factor in all possible way, from the publicity of its phones (a complete new generation has skipped Nokia phones), through the changes in the narratives attached to the brand, with the refreshed need to be unique again to the sharp decline of the brand value.

Mobile Computing

May 14, 2017

Mobile computing refers to the use of any kind of computer in a moving environment. The motion may be of the device itself, as in laptops, palmtops, wearable computers, and mobile phones; or it may refer to the dynamics of the computing process, as in digital cameras, podcasters and MP3 players. Mobile computing devices generally use wireless technologies such as LAN, Wi-Fi, GPRS and the more recently introduced MAN.Mobile computing can be broadly classified into two categories – portable computing and mobility computing. Portable computing actually refers to wired communication. Portable devices themselves are movable, but in order to access them one needs to connect them to a network port. That means, portable computing devices can be carried to wherever there is a network port available. Mobility computing is also called simply mobile computing nowadays. This is true wireless communication. Not only are the devices movable, but they can also be accessed from almost anywhere. Today, portable computing is almost on the verge of extinction; mobile computing has made its foray into almost every aspect of human life.

The first usage of mobile computing devices was perhaps in vehicles. Speedometers were among the first devices to get computerized. Almost every modern vehicle has several mobile computing devices under its dashboard. Cell phones are another rampant proliferation of mobile computing today. Every single cell phone is a computer in its own right. With the advent of wireless technologies, it is also possible to access the Internet through cell phones. Blue tooth has brought cell phone users closer than ever before and has facilitated data transfer within a stipulated area. Another brilliant advancement in the field of wireless technologies is the Metropolitan Area Network, or MAN, which will allow vehicles and cell phones to remain in communication with each other forming a network probably much vaster than the internet.Today, mobile computing is a boon to people on the move. It can be used for checking mails while in transit and even carry out transactions and businesses. Services like SMS (Short Messaging Service) and MMS (Multimedia Messaging Service) are targeted towards the younger generation to remain in contact with their colleagues and friends. During sports events, mobile networks keep users informed of the goings-on.

However, critics are concerned with the intrusion of privacy that mobile computing creates. Several members of the younger generation are turning into ‘gizmo freaks’ and becoming almost addicted to their mobile computing devices like watches and cell phones. Some of these devices which work on infrared technologies can also pose potential health risks.Yet, mobile computing has become an indispensable extension of technology today. It is definitely here to stay.

Equestrian Style in Your Home

April 25, 2017

Your love for horses doesn’t need stop at the barn. Horse people enjoy having decorative horse elements in the home. Whether you are a lifelong equestrian, an admirer of horse sport, or someone who loves the equestrian look, having equestrian style in your home adds character and tradition. How you bring equestrian elements together can make the difference in telling a story or having your items overlooked.Equestrian style was popularized when Ralph Lauren hit the fashion world by storm. He made both nautical and equestrian styles livable for mainstream people. It became possible and affordable to have the sporting lifestyle look. And while many people took up stirrup pants and hacking jackets, decorating with equestrian style has been around for hundreds of years. Look no further than the English countryside. Whether you have acquired equestrian pieces from the barn, or you are just starting out, giving your home or space an equestrian estate feel is not difficult. As with any design, the key is to start with a plan that includes well-thought-out furniture placement and a good color scheme. Traditional furniture works best when designing an equestrian style space. Dark, substantial wood furniture with good quality upholstery or leather gives mind to the English countryside, where most equestrian trends originated. Steeped in custom and tradition, equestrian elements have changed little through the centuries. Garner ideas from books and magazines, or search the internet for ideas.

Once furniture placement has been established, anchor the space with a good rug. Vintage rugs protected fine wood floors from muddy hunting boots, numerous hounds, and country parties. These rugs were handmade and vegetable dyed. Today’s production rugs lack some of the character of the older rugs, but can still lend the style and are always a smart choice to bring a space together.Equestrians love art, and art that includes the horse is always a favorite. Some equestrian artists have stood out through the years, with George Stubbs being immensely popular during England’s sporting days. His works are traditional, beautiful, and have color schemes that are easy with which to work. Reproductions of his paintings are available on the internet.No equestrian space would be complete without horse tack, the equipment leather goods used in riding and training horses. Whether you choose stainless steel stirrups or bits, old horseshoes, or leather strap goods, these pieces strategically placed are key elements to bring your space to life. A favorite of ours is a silver mint julep cup used to hold pens or flowers. Stirrups make good bookends. Harness brasses can be framed or mounted cleverly over light plates. Snaffle bits can serve as window panel tie backs. Equestrian books are another design element that is readily available and brings authenticity to your space. These books are available as novels, training books, or picture books.

To add softness and comfort to your space, yet still maintain style, consider adding needlepoint or horse themed equestrian pillows. Throw pillows come in many styles and colors. Look for traditional fabrics and authentic embellishments like fox hunt buttons, harness brasses, or other pieces of horse equipment.Bringing equestrian style to your home or space adds character. Horses have had a close relationship with man for most of human history. Only since the invention of the automobile have we been so distanced from him. Bring equestrian style to your home by using these design ideas, and bring horses into your decor.

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