Mobile Phone Insurance – A Sound Investment!

The first mobile phone I ever saw looked more like something that had been used in the First World War! This chap was at a car auction and had this massive black box that was about a foot square. It had the old style 1950s telephone handset on top of it. He was frantically trying to relay the events at the auction to some third party. I never found out who that was, or what it was that was so important that such an expensive thing would be required.

A few years later and I successfully got a job in charge of some teams of door canvassers, yes I know, the ones that used to badger you to let them arrange for a representative to give you a double glazing quote! When I went in for my first day on the job, I was presented with this stall statuesque plastic looking tower with a rubber aerial sticking out of the top. It was the first truly mobile phone. You could stand it up and it could be carried about, albeit in very large pockets, or even a holster by some brave souls. One of my favourite party tricks was to order some drinks form the bar when it was too busy to get near the front of the queue. A ploy that got me barred from a number of establishments!

Those handsets were temperamental and had a tendency to fall over because they were top heavy. They also broke into pieces very easily. I just accepted it then and was careful, especially as at the time I did not know anything about mobile phone insurance.

Just recently, I had a call from my mobile phone provider asking whether I wanted to upgrade my phone. Evidently I had reached the end of the stipulated contract period and therefore I could upgrade my phone, albeit at the expense of committing to another contract. They asked which phone I wanted. However, at that time, I was not really that interested in phones, so I asked what was available. They suggested a few types of handset, but frankly, they meant nothing to me, so they suggested that I could maybe go down to their local shop and check out the available handsets there.

Off I went, then, with my eldest daughter in tow. She always likes to advise me on these types of thing. We arrived at the shop and we were presented with a few options, however, my daughter gasped when she saw that I was being offered the latest iPhone. It looked very complicated to me, but there again, all new phone always did! After much brow beating by my daughter I decided to take the plunge and have the iPhone.

When I was told the value of it, I nearly fainted. The thought of walking around with £500 worth of handset worried me. Anyway, the salesman, who looked about 18, tried selling me some mobile phone insurance as an add-on to the contract. Fortunately, one thing I did remember from the past was to check out stand alone policies before committing.

I am glad I did, as I saved almost £4.00 per month on the deal.

So all in all a sound investment proving that an old tune can be played on a new handset, so to speak!

Posted in Insurance | Comments Off on Mobile Phone Insurance – A Sound Investment!

The Early History Of Bumper Stickers

In 1927, Henry Ford changed the way we got from point A to point B. We replaced the horse and carriage with the Model A and then we quickly found a way to turn these metal contraptions into a new way to express our opinions. Henry Ford also did something else for us with the automobile. He put them out for thousands of people to purchase and as people began to have accidents, he added the bumper to provide some protection to the front and back of the car. Combine this bumper with America’s desire for free speech and people found a new way to advertise their products and ideas.

The first bumper “stickers” were made of cardboard and metal. These were then connected by wire and string. In fact, they looked more like a license plate than a sticker. Nevertheless, these were the forerunners of bumper stickers, as we know them today.

A change to the way bumper stickers were made would come later. In the 1930’s, Forest P. Gill worked for the Crawford Manufacturing Company in Kansas City, Missouri. The company had been making canvas items such as seat and tire covers. The canvas was a sturdy material that was also very versatile, as it could be printed on with ink through silkscreening. These inks were different from the dyes that had been used in the past, as the dyes would fade or run in the sunlight or rain. As a result, the canvas turned out to be an excellent option for printed advertisements for the outdoors. Soon, canvas was used for outdoor advertisements on the canvas awnings that went over store windows and later they were used for covering spare tires and turning those into advertisements as well.

After the Crawford Manufacturing Company went out of business, Gill chose to go into business for himself. Gill received some printing equipment from his ex-employer and began a printing business in the basement of his home in 1934.

Gill struggled to make ends meet and printed everything from bumper signs to can labels. The prints were treated with chemicals to keep them from running and to withstand the weather. As Gill’s operation grew, he had to hire employees. Gill moved out of the basement to 906 Central in Kansas City. The shop was right down the block from the Hotel Savoy, where Harry Truman would lunch at the Savoy Grill.

Later in 1946, a new trend in inks and dyes came about. The Switzer Brother’s Inc. located in Cleveland, Ohio created these. They introduced new colors that were called DayGlo because of their bright, glowing appearance during the day. Gill soon began experimenting with these new inks and creating signs with them. These inks were very eye catching and advertisers wanted to use them to draw more attention.

At the same time, another revelation was being created. This revelation was a new sticky-backed paper that became available to commercial printers. On the back of these papers, a backing could be pulled off and the paper could then be stuck to a smooth surface. Up to that point, silk screen stickers had only be used with water-activated gum papers, but these couldn’t hold up in weather and fell apart over time.

Elsewhere in Kansas City, a printer told Gill about a company that used independent salesmen to advertise products that were sold in regional territories by traveling salesman door to door. Gill contacted the Nationwide Advertising Specialty Company located in Arlington, Texas. The company helped Gill to create an ad that would advertise bumper stickers to the sales reps who could then sell them to various places, such as tourist destinations. The bumper sticker quickly became the perfect souvenir as people purchased cars after the war.

The first bumper stickers were printed on blue and black backgrounds. The ink was fluorescent and they brightly announced where the family had been vacationing. They soon helped to spread the word about tourist destinations located across the country. To advertise himself, Gill placed the name of his company on the very bottom of the bumper stickers he printed. This launched a product that would soon become part of our democracy and the become an symbol of the first amendment.

Posted in Bussiness | Comments Off on The Early History Of Bumper Stickers

Student Friendly Apartments in Charlotte

The city of Charlotte has a number of well-known universities that make the city its home, which is why there are so many college students who are always looking for Charlotte apartments for rent in the city. But finding an apartment when you’re a college student can be rough, especially if you’ve never rented an apartment before and are on a budget. Let’s take a look at a few highly recommended apartments for students in Charlotte.

It’s actually much easier to find Charlotte apartments that are student-friendly than you may think. Many of the colleges have listings of apartments on or attached to their websites, or they can furnish you with a list of areas that cater to college students. The Art Institute of Charlotte, for instance, has a whole page dedicated to helping students who attend the institute to find college-friendly apartments near the school itself. It is through there that you can learn about apartment complexes such as 901 Place, an off-campus apartment complex that actually has leases that are especially made for students. Or Halton Park, which has 9 different floor plans, a multi-media theater, a coffee bar, and even an internet café, which is ideal for any college student.

If you attend or are looking to attend the University of North Carolina Charlotte, Central Piedmont Community College, or Rowan-Cabarrus Community College, there are many student apartments available around these three colleges. Two highly recommended apartments for students are The Edge and University Walk. The Edge offers four bedroom floor plans starting at $424 per person per month. They offer many amenities which include a basketball court, volleyball courts, swimming pool, fitness center, free tanning and more. University walk also offers four bedroom floor plans starting at $479 per month per person. They offer the same amenities as The Edge along with a recreation center, DVD library, computer center and more.

University Terrace located at 9509 University terrace drive is another apartment community popular with students attending UNCC. They offer four bedroom apartments starting at $230 per month per person. This apartment is conveniently located across from the UNCC campus. Units include all appliances with washers and dryers. The complex is gated with 24 hour video surveillance which gives the students a sense of security.

For the UNCC students who do not wish to live with many roommates, there is an apartment community called Colville Gardens located across from the UNCC campus. This community has two bedrooms units that start at $650 per month for the whole unit. Units that includes power, water, sewer, cable and high-speed internet, start at $830 per month.

There are many Charlotte apartments available near the many universities in the city, but look outside of this district if you want a great deal, especially if you have your own transportation or don’t mind utilizing the city’s transportation. This might help give you more value for your dollar, and it may allow you to afford an apartment without needing a roommate, depending on what you want from your college and apartment experience.

Posted in Recreation | Comments Off on Student Friendly Apartments in Charlotte

Healthy Eating At Fast Food Places – Are You Kidding Me?

Is it possible to eat healthfully at a fast food restaurant? The big name chains, such as McDonald’s, Wendy’s, Burger King, and Taco Bell want you to think so. All of these restaurants offer some type of “healthy” alternative on the menu to entice those who are watching their weight or simply wanting better options. But how healthy are these options? It depends on what you order, of course.

Aside from some options that can be quite healthy, such as salads, other options that may seem like wise choices may not be as great as they seem. Also avoid ordering anything in a large size, as this quickly adds extra calories and fat. Many foods also include extra sugars that quickly add calories.

McDonalds

Salads and salad dressings at McDonalds are quite low in calories and fat. A salad with dressing can go as high as 500 or more calories, but this is much lower than other choices. Salads do not necessarily mean that the nutritional value is high, however. Many salads are made with iceberg lettuce, which is primarily water. However, if you’re trying to watch your weight, and find yourself with no other options, a salad can be a good choice. It won’t likely make you feel full, so snacking ahead of time may be a good option to avoid other temptations while there.

Other options that seem like healthy alternatives can be deceiving. Whether a food is fried or grilled will also have a huge effect. But simply choosing between beef and chicken, for example, may not be enough. The Premium Crispy Chicken Club Sandwich has 680 calories compared to the Big Mac’s 560. The key is to look for grilled alternatives and avoid the tempting sides, such as fries or desserts.

Wendy’s

If you’re opting for a salad, choose wisely. Just because a menu item includes the word “salad” does not mean it’s healthy. Wendy’s Taco Salad, for example, comes with almost 400 calories if you only look at the basic salad ingredients; add in the extras that come with it, and the total is nearly 700 calories. This is about a third of a day’s totals on a 2,000 calorie per day diet. Even a seemingly healthy broccoli and cheese baked potato comes with 340 calories.

If you’re hungry, it can be very difficult to avoid the temptations of the fast food restaurant. This can be dangerous from the sense of added fat and calories. Should you give into temptation at Wendy’s and order a “biggie” fries, you’ll be taking in an extra 590 calories and 28 grams of fat.

What about alternatives such as the low fat strawberry flavored yogurt? The yogurt itself is 200 calories, and the granola topping that comes with it is an extra 110 calories. In comparison, an average cup of low fat yogurt from the grocery store will have around 100 calories.

Burger King

Burger King provides an array of eating options through its website for those who are watching carbs, fats, or calories. Many salads listed have from between 10 and 13 grams of fat, or 90 to 117 calories from fat. Salads fall in the 400 total calorie range. The dressings will add another 70 to 270 calories, for a total of up to almost 700 calories. Again, this is almost a third of a day’s total caloric intake. The original Whopper sandwich with everything on it has about the same amount of calories. Depending on the salad and dressing chosen, the salad option can actually have more total fat than the Whopper. In other words, eating a “healthy” salad instead of a sandwich may not provide you with the benefits you’re looking for.

Taco Bell

Taco Bell offers “Fresco Style” options that have fewer than ten grams of fat per serving. This translates into the cheeses and sauces being removed from the item. This style can reduce total fat and caloric intake. Many items on the Fresco Style menu are under 400 calories. The key to ordering through this method is to know which items are available Fresco Style and which are not. Most items offer this option, but many do not. Ask prior to ordering.

One final word of caution when it comes to fast food: even when the options are low fat and low calorie, many are still very high in sodium content and low in fiber content. The total nutritional value is an issue. Cooking methods, such as deep-frying or leaving foods under hot lamps for extended periods can dramatically reduce a food’s nutritional value. So what’s the bottom line? While the occasional visit to a fast food restaurant can be enjoyable and will not create too many negative side affects, the idea that ‘healthy’ alternatives at fast food chains are in fact ‘healthy’ is questionable.

Posted in Health | Comments Off on Healthy Eating At Fast Food Places – Are You Kidding Me?

Organic Architecture

What is Organic Architecture?

The term “Organic Architecture” was invented by the great architect, Frank Lloyd Wright (1867-1959). An architecture idea which promotes harmony between man-made structure and the nature around, through design approach so well integrated that the buildings and surroundings become part of a unified & interrelated composition

Objectives

Organic architecture not only addresses environmental concerns but also expresses individuality. As each building is related to the variables like man, site & time so every resulting structure is unique & unrepeatable.

Origin & Inspiration

Primitive vernacular architecture was innately organic, based on natural forms, structures and simple, local materials. The rectilinear, perpendicular form of architecture that came to dominate the 20th century was the reflection of an industrially driven age. However In the new millennium the designers are awakening to a new world inspired by the creative forces of nature and biological organisms.

It was in the USA that organic architecture began its great modern journey when Architect Louis Sullivan described his famous proverb that form follows function–a key concept for organic design. Frank Lloyd Wright would often choose sites close to woods, rock formations, or even waterfalls and his buildings would become part of nature. For Antoni Gaudí, Spanish architect the straight line belonged to men and the curved line to God.

Characteristics

– The design approach is inspired by nature & the built form grows out of the site, emerging like an organism from the seed of the nature.

– It is visually poetic, radical in design, multifaceted & surprising, distinctive but flexible & environmentally conscious.

– Organic architecture is said to be the mother of all architecture- sustainable or bio architecture, alternative architecture or any other.

Some examples of this movement are: Kaufman Residence ‘Falling Water’ (Pennsylvania), Sydney Opera House (Sydney), Casa Mila (Barcelona), Lotus Temple (New Delhi).

Approach

– A respect for natural materials (wood should look like wood)

– Blend into the surroundings (a house should look part of the hill, not perched on it)

– An honest expression of the function of the building (don’t make a bank look like a Greek temple).

Exploring Organic Architecture

New age, architects have taken the concept of organic design to new heights by employing newer materials & technology in the application of natural shapes, rhythm & composition to their buildings. The re-emergence of organic design represents a new freedom of thought. This is affecting most fields of design- products, furniture, lighting, textile design, architecture, landscape and interior design. More liberated and imaginative forms, unacceptable to major corporate clients a few years ago, are now being encouraged & accepted.

Inference

Rectilinear buildings are not ideal “green” buildings if they work against the dynamics of fluids, heat, light, sound, and force. The buildings need to work with nature and allow optimum shapes and forms to be developed that are more efficient, economic, and appropriate to local climate and environmental conditions. With continuous expansion of cities, there is a growing lack of interaction between, man & nature. Organic structures with free flowing & curvilinear organic forms inspired by nature can fill in this void enhancing the city spaces aesthetically, spiritually & with the spirit of pursuit & marvel.

Concerns

Organic or sustainable architecture is evolving fast, but there is a risk of it becoming a superficial statement engrossed in high-tech science and technology & organic forms being superimposed from the outside rather than evolving like life from within. We need to learn to use natural forms & materials from observing living forms & creatures which are the very forms of life and growth that inspires organic architecture.

Posted in Home Design | Comments Off on Organic Architecture

Types of Computer Degrees

Computers have continued to evolve since their inception decades ago and today we can definitely proclaim that we are living in a computer age. There are few facets of our lives that remain untouched by computers today and the technology continues to develop all the time. What is needed as a result are skilled professionals who are trained in designing, adapting, maintaining and implementing these new technologies and making our lives more productive as a result.

Computer training can be divided into a number of sub-specialties that include computer hardware, computer networking, computer software, and Web development. For those students who have an interest in math and science and show an aptitude for problem solving and analytical skills, a career in computers might be the right one for you. Working towards a career in computers can be done in several ways. You can opt for Associate, Bachelor's, or Master's degree programs and / or complete various certifications and certificate programs. Some employers require specific certifications in addition to your degree while others may need only a certification or two. It is therefore sensible to research the jobs that you are interested in and find out what exactly is demanded from a potential job applicant. In general, there are three main fields of study that you can choose from – a computer science degree, a computer networking and technology degree, and a computer programming degree.

Computer Science Degrees – Students interested in computer science degrees might be surprised to discover that the curriculum is barely about computers. Computer science degrees aim to prepare students to understand the technology behind computers and to analyze and solve problems and develop new technologies. There is a strong focus on mathematical computing and data analysis making computer sciences an extremely math-oriented program. As a graduate with a computer science degree, you can expect to spend a large part of your education and career in research. Colleges offer a wide range of computer science degrees from Associate's to Masters but the minimum requirement for most employers is normally a four-year Bachelor's degree. Many schools also offer a computer science degree program in tandem with another specialization such as engineering or information sciences for those students who want to diversify into more specific fields after they graduate. Employment opportunities are assured to computer science students as companies are always in need of professionals to develop and maintain their software and hardware. If you want the upper hand in the competitive IT market, a computer science degree would be very useful.

Computer Programming Degrees – Computer programming as a career looks to be stable over the next few years. As long as students are prepared to be up-to-date with the current advancements and technological certifications, there should be no dearth of job opportunities for graduates with a computer programming degree. Computer programmers are those professionals who develop, test and maintain the programs that determine a computer's functions. Programmers create new computer languages ​​and tools to make computers do specific tasks. Top employers of computer programmers include software development companies who create packaged and specialized software. These could range from general use software, games, educational packages and the like. Programmers with a strong technical base and skills to understand a client's requirements are always in demand. Web-based organizations, multimedia companies, wireless applications, cyber security are all up and coming new arenas that programming graduates can look forward to as challenging job prospects.

Computer Technology and Networking Degree – A degree in networking and technology will introduce you to the latest theories and practices in computer networking and technology. Students will learn about operating systems of computer networks and will be trained in installing and maintaining the various structures and components of these networks. Job possibilities include becoming a network administrator, computer support specialist or a network systems analyst. Statistics indicate that as industries and businesses rely more and more heavily on the Internet and computer technology, the demand for such jobs will only increase.

Posted in Education | Comments Off on Types of Computer Degrees

Three Ways to Improve Poor Motivation

As malleable as the human brain is, not everyone adapts favorably to ubiquitous circumstances, be it work, school or family life. Poor motivation to engage and thrive in various activities is an issue that plaques a significant number of people. People who struggle with poor motivation are usually labeled as lazy by those who know them. However based on recent research studies showing a connection between mental issues such as depression and physical illnesses such as heart disease, a new theory has developed that suggests poor motivation is the minds’ way of preventing the body from going into complete exhaustion. This occurs when a person finds himself engaged in an activity or chore he or she has no passion or desire to engage in. Engaging in an activity that a person has no passion for can prove to be energy consuming for the mind and body.

Energy is drained on two fronts, the first being the natural exhaustion that occurs from engaging in time consuming tasks, and the second occurs from the mind preparing itself to learn and engage in the activity. When a person has a passion for an activity, the brain produces pleasure chemicals such as dopamine and serotonin, which enables the brain to become more efficient in using less energy to stay mentally engaged on the task at hand.

So what does a person with no passion and faced with an essential task do to avoid poor motivation? Here are three effective cognitive behavioral techniques that can help.

One: Develop a primary goal.

Ideals aside, the truth is we all have to engage in numerous tasks we prefer not to, in order to find our passion. A good example most people can relate to would be high school (pick your worst subject), but what keeps most people in this predicament going? Simply put, setting a goal. It could be a student putting up with difficult classes in order to go to college, a recruit pushing her way through basic training in order to become a full time soldier, or a college student waiting tables in order to pay for text books. Setting goals provides a light at the end of the tunnel, which provides a sense of hope, which turn allows the person engaged in a task they prefer not to, motivation to see it through.

Two: Meditation

Research studies have shown that the practice of thinking about not thinking provides a marked improvement in cognitive functions. An improvement in memory, logic, planing and organizing provides significant improvement to symptoms of poor motivation. Another advantage from meditating is that the process of thinking about not thinking enables a person to develop a calmer sense of thinking and feeling. A consistency in calm thoughts and feelings is a good antidote to feelings of chaos and being overwhelmed. Most people who experience poor motivation report feelings of being overwhelmed, which they find easier to cope with by simply giving up.

Three: Cardiovascular Exercises

Depression, amongst other illnesses tends to be a frequent cause for poor motivation. A recent longitudinal study carried out over a period of two decades showed a correlation between increased physical activity and decreased symptoms of depression, while other participants in the study with increased symptoms of depression, reported engaging in little or no physical activity over the past two decades. Further more, studies have shown that cardiovascular exercise strengthens the heart muscles and it’s functions, this by extension increases the transportation of oxygen to the brain. A well accepted theory about cognition and physical exercises, is that increased transportation of oxygenated blood to the brain improves overall cognitive functioning, which also improves symptoms of poor motivation.

If after practicing these three measures consistently for ninety days, and no significant improvement is experienced then it would be advisable to seek the services of a Professional Counselor.

Ugochukwu Uche MS., LPC

Posted in Marketing | Comments Off on Three Ways to Improve Poor Motivation

CFA or FRM: Solving the Dilemma for Students

CFA and FRM are two of the leading financial certifications in India. Many MBA students pursue these financial certifications to enhance their financial knowledge. GyanCentral catches up with Aditya Ahluwalia, expert CFA coach to seek answers to the CFA or FRM quandary and also career options after CFA and FRM.

The advantage that a MBA student with a CFA degree have over a MBA specializing in finance?

I have personally done both the degrees. I did my masters in business administration (MBA) from FMS Delhi. The MBA finance degree in my opinion covers about 20% of what gets covered in the entire CFA curriculum (in terms of financial knowledge). A MBA degree is more holistic to management as it will also cover non finance subjects like HRM, systems, marketing and general management. CFA is a certification dedicated to the field of finance. In my opinion no examination is as exhaustive and comprehensive in finance as CFA is.

What are the job opportunities for MBA students after CFA?

The opportunities in the finance world in India though growing are becoming extremely competitive. A lot of MBA students are competing for the same job. During campus placements companies do not have the time to go through each and every resume or interview every candidate. The students who get shortlisted for campus placements are students who have an extra push on their resume. A CFA degree also gives the recruiter a perception that the student has more financial knowledge than just a MBA finance student. Hence CFA does support a lot to get shortlisted for the interview stage of MBA placements. Even after placements the knowledge that a candidate gains is useful in his future job pursuits.

What are the profiles that a MBA in Finance with a CFA degree will be offered?

CFA is a comprehensive exam in finance. So whether it be investment banking or portfolio management or equity research or strategy consulting in the financial domain or corporate finance in a manufacturing company, CFA concepts are going to be directly applicable to your job. For anyone who is interested in a career in the financial domain the CFA designation gives an edge and imparts value to your knowledge and resume. A CFA qualification today is more of a requirement than an advantage for a career in investment banking of private equity. Doing a CFA today is not a guarantee of finding a job in investment banking or private equity, it is depends on your financial understanding and communication skills.

What is the difference between CFA and FRM?

That is a very common question that many students have.. I believe that degrees of MBA, CFA and FRM have to be looked at compliments rather than as competing with each other. CFA teaches you the inside-out of finance, MBA finance teaches you how to link the financial aspect with the overall business management perspective.FRM is a designation which is dedicated to risk management. It gives the candidate a very good perspective about credit, operational and market risk aspect of a business. A lot of students today (including me as a student) have taken all 3 designations. I believe all 3 degrees added to my knowledge and enhanced my employability. I would advise students not do an either or for the courses. CFA and FRM are not standalone designations and are supposed to be complimented with either a MBA degree or work experience.

How should a student decide between opting for a CFA or a FRM?

Firstly students have a misconception that CFA takes 3 years while FRM just takes 2 exams. So they should not base their judgment on the duration of the course. CFA curriculum is much more exhaustive than FRM. In one level of CFA it can be argued that you learn more than two levels of FRM combined.

Coming to choosing between CFA and FRM, if someone wants a more holistic designation in finance then he or she should opt for CFA. The CFA certification does not restrict the domain to any niche in finance and for students who are not sure of their preference in finance should opt for CFA. CFA will teach you risk management, corporate finance, risk management and portfolio management hence the scope is broader. If a candidate is sure that he wants to pursue risk management i.e. any profile in a bank or credit rating agency. The profiles can range from credit risk, relationship management, treasury or any profile related to risk management then one should opt for FRM as it is more direct and relevant to the niche of risk management in finance.

If equity research, investment banking, portfolio management is your preferred field then CFA is the designation to pursue.

Does having cleared Level 1 or Level 2 in CFA have any relevance?

Definitely, mentioning that you are a level 1 to level 3 candidate of the CFA exam holds a lot of weightage. Having cleared level 2 would be equivalent to having a FRM degree. Clearing one level of CFA also has value hence students should not be deterred from mentioning the same in their resume. Even if the candidate decides not to finish the CFA course he or she can still mention level 1 or level 2 in their resume. Students from a non-finance background typically can use the CFA degree to come at par with students from a finance background during their MBA course. The perception issue that majority engineers have about lack of financial knowledge can also be altered after pursuing a CFA course.

Apart from CFA degree other things a student can do enhance his resume?

I have experience in working at a senior level at a fund management company. I did my MBA, FRM, CFA and CIA (an alternative investment certification) which has helped me gain a lot of knowledge. During my MBA degree i also did a large number of NCFM modules which overlap with CFA curriculum and hence is not necessary for every candidate to pursue. Instead of running after random certifications, I would advise students to concentrate on basics. If you have done your MBA from a top tier institute that is good enough. Also doing live financial projects adds a lot of practical knowledge and helps in establishing industrial contacts which can be useful during placements. Apart from the above mentioned financial certifications, I do not believe any other course will add significant value to a student’s resume. Also the CFA society networking events are quite useful. They open up good networking opportunities.

What questions should MBA students who have successfully cleared CFA or are pursuing CFA expect in interviews?

Equities is very big in the Indian market and given that many back-end and front-end equity research firms hire from top management schools hence being thorough with your valuation concepts, relative P/E multiple, DCF valuation. Understand corporate finance concepts like cost of capital and WAC should be revised well. NPV, IRR are questions which every candidate must expect in the interviews. Concentrate on basics and then go to advanced terms. Majority of the students will be fresher’s in financial domain hence interviewers expect clarity of basic concepts which a student must be well-versed with. Value a company on your own using P/E or DCF model and be deep with it. Do the simple things well.

Posted in Finance | Comments Off on CFA or FRM: Solving the Dilemma for Students

Introduction To Jet Ski Insurance

If you own a jet ski or planning to buy a jet ski then I am sure you do not need an elaborate instruction on how to have fun with your very own jet ski. However you will need an elaborate explanation about the less fun part of owning a ski. If you are still wondering what it might actually be then allow me to introduce you into the whole new world of Jet Ski insurance.

Jet Ski insurance is a far more important matter compared to the time you will actually be spending riding your water craft. If you do not get this right then it might suck all the joyful times you are about have with your vehicle. The reason for this very simple, if you have observed the coast where the boats and skis are anchored, you will realize one thing immediately, the number of water craft has increased. This means increased amount of traffic near the coast and increased chances of accidents. Ski is perhaps the most frequent water craft that has been involved in a large number of accidents in the last few years. This is mainly because the Ski is a fast vehicle and for beginners it is very difficult to control it if they come across any obstacle leading to inevitable collision with a boat or other ski. In order to protect yourself and also your investment you need to buy a good insurance policy.

Jet Ski insurance is slightly different from any other water craft insurance. Basically there are two insurance policies for this water craft. The first one is the comprehensive Jet Ski insurance policy, it provides financial coverage against accidents, damage due to vandalism, damage due to fire and also covers your water craft against theft. This is the basic form of insurance policy that you need to purchase before taking it to the water. The second type of insurance policy is known as the third party liability policy. This basically protects you by covering the financial expenses if you were to cause injury or damage to other's property. This is very much needed if you intend to rent your ski.

Unlike other water craft insurance policies the Jet Ski insurance policy comes with a higher premium rate. In order to decrease your quote you need to follow some basic rules, such as keeping your vehicle in a protected environment like in a garage when not in use. This will allow you to get your policy at a very low quote especially when you apply for theft insurance policy.

Posted in Insurance | Comments Off on Introduction To Jet Ski Insurance

Do Wholesale Flag Banners Have Warranty?

A flag banner wholesaler, with the inclusion of mounting systems, such as hanging hardware, pole banner hardware, and poles that display feather banners, teardrop banners, and flag banners, to name a few, is a company that can sell to a protected dealer market, or sell at wholesale pricing to any category of client – typically businesses – that they choose to sell to or through.

What is a flag banner wholesaler?

Traditionally, in the US, a wholesaler was a company that might specialize in a few products within a narrow category, say, banners or outdoor flags and the like, who would sell to resellers in specific markets, e.g. California, New York or Georgia, in “protected territories.” In other words, if you had the contract to sell banners from XYZ Banner Manufacturing in the state of Georgia, you could not sell to clients in California or any other state/territory, as assigned by XYZ Banner Manufacturing (a fictitious entity, by the way, as far as we know).

Other company’s, such as the fictitious ABC Banner Company, might sell wholesale to anyone who could prove to them that they had a resellers permit or license, such as a website that might sell nationwide or worldwide. This type of client would not have any territorial restrictions, and much of what is sold in the US today, especially if sources offshore, would be examples of this type of wholesale seller.

The last category, which has become very common in the last couple of decades, are companies who sell “wholesale to business,” to the exclusion of most private buyers (consumers). These companies have developed this type of “wholesaling” in response to ever increasing price pressure in their markets, and often source offshore to augment shrinking profit margins or simply as opportunistic and allegedly forward thinking resellers.

All wholesaler’s sell below consumer price levels, which is what the base definition of a wholesaler is, but as you can see, there are many variations on that business model, and it is up to the individual businesses to decide how to implement themselves in this type of market.

What is a warranty?

Wholesale Flag Banners rarely carry a warranty, which is a promise, in essence, to replace the banner if anything goes wrong with it.

What is the reason for the lack of warranty on such items?

Namely, because the seller has no control of how it is hung or displayed. If the banner is displayed indoors, they will never need a warranty if the product is made from quality polyester or polyvinylchloride (also known as PVC or just plain “vinyl”), and printed with top quality inks from Japan, the US, Germany, Italy, or Korea.

If the banners are displayed/installed out-of-doors, all bets are off due to the sun, wind, and other inclement weather conditions that the manufacturer/wholesaler has no control over.

Your best bet as a client is to make sure that the manufacturer of wholesale flags and banners uses the best polyester materials and nylon webbing reinforcing in the hems/seams in order to resist inclement weather conditions, although sunlight cannot be stopped and is the leading cause of deterioration in banner longevity, along with high winds.

Wholesaler License

How do you obtain a wholesaler license? It depends.

Our company, for instance, distributes for various manufacturers that do not issue wholesale contracts for protected territories, so there is no need for any type of licensing.

If a company issues “licensing” to protected territories, it is not a government stamp of approval saying that your company is a licensed wholesaler, per se, but as a company policy, you would be approved as a wholesale vendor for that company’s products and/or services.

Flag Banner Printing – Printing Method(s)

Some of our clients, at least those who like to know how things work, have asked about the processes used to print flags and banners, so here goes…

Unlike DTF (direct-to-fabric) printing, our printers use the “dye sublimation” printing method, which uses a CMYO dye set (that stands for Cyan-Magenta-Yellow-Clear) rather that the traditional CMYK (that stands for the same thing except the K is black whereas the O is clear, but they ultimately both end up black).

With direct printing, the banner flag is printed with a series of tiny ink dots which vary with color saturation. Using ink is a one step process, and can be done on both vinyl and fabric banners.

However, there is a difference with dye sublimation printing.

Dye sublimation works like this – using the aforementioned CMYO dye set, the digital printer is used to print a transfer paper with the desired image. The paper is matched up to the appropriately sized polyester fabric – which may be one of many weights and finishes from knits to poly silks to light box fabrics to outdoor “canvas” – then fed through heated rollers at about 400F at about 400 lbs. of pressure.

As the paper and fabric enter the heated and pressurized rollers, the dye on the paper (due to the heat) is converted to a gaseous dye, whilst the cells within the poly-fabric, simultaneously, open like a flower in the sun, and the dye infuses the cell with color, which then closes up with the color in the cells as the fabric cools.

This process is more akin to film developing than digital printing, as the heat and pressure combination create a continuous tone like a photograph rather than dots simulating continuous tones that is the process digital printing uses. The dye also has become integral to the fabric, and does not sit on top of the fabric as ink does (the appropriate inks do adhere to fabrics very well, but not the same method and in our opinion, slightly lower quality printing).

Do wholesalers send samples?

I can’t speak for other flag banner wholesalers, but I would think most will. We do.

It would be difficult to visualize the various materials available if you’re not familiar with them, so it would be unwise on our part not to send samples if requested.

We send out our most popular materials, twelve to be exact, to most clients. Slight variations in weight and finish of the fabrics are available as well, but most of our clients find what they need from the dozen samples we send out on request.

Posted in Bussiness | Comments Off on Do Wholesale Flag Banners Have Warranty?