Examples of Some Health Conditions and Physical Symptoms Related to Alcoholism

May 18, 2017

Alcoholism is not prejudice at all, nobody is completely safe from becoming an alcoholic. It is just important that you educate yourself more about it, so that you will know what to do in order to remain healthy and live a longer, healthier life.Alcoholism can damage many of the organs in your body and if you use and abuse alcohol for a prolonged period of time then you are putting yourself at a higher risk of getting serious conditions and diseases that could take your life. It is important that you take the time out to read about these different health conditions and physical symptoms that are sometimes related to alcoholism. Some of these that I am talking about include things such as, cirrhosis of the liver, inflammation of the liver, a higher blood pressure, malnutrition, erectile dysfunction, pancreaitis, insomnia, bleeding of the esophagus, nerve damage and brain damage could also occur with prolonged abuse of alcohol. These sound serious don’t they, because they are serious and they could be life threatening. Why would anyone want to hurt themselves in such ways? The fact is, most people do not take the time out to think about all of the negative consequences of drinking too much alcohol, they just live in the moment or the addiction has become so strong that they just can not do anything to stop it, or so they think.

There are tons of treatment programs available for anyone that seriously wants to stop drinking or doing any other type of illicit drugs. It is up to you to get help or in some instances there needs to be an intervention from family and friends, getting you help whether you like it or not, although they do have to have your permission to put you into a program such as a rehabilitation and therapy center. It would be the best thing you could do for your life and your friends and family members would be so very proud of you and thankful, thankful in knowing that their dear friend or loved one is going to be around longer because they got the proper help and treatment that they needed to help in recovering from alcoholism or drug abuse. It will be so much hard work and it will take so much determination on your part, but it can be done, you can heal yourself and your body, mind and soul will benefit from it as well.

7 Reasons Why People Buy Darjeeling Tea Online

May 2, 2017

Darjeeling tea is loved around the world, and is grown in the aromatic tea region of the beautiful Himalayan mountain range in the city of Darjeeling. There are various types of blend of this tea, such as Green, Black, White and Oolong. The Darjeeling blends happen to be the favorite of everyone, due to their freshness, attractive aroma and light color. Makers of Darjeeling tea take a lot of care to preserve the amazing features of the blends of the area. Find out about the 7 main reasons why people love to buy Darjeeling tea online.1) Wow-worthy tasteThe fine taste of Darjeeling tea is the first thing that attracts so many tea drinkers to it. It tastes much like Muscat wine, and this is the reason why it is called the “Champagne of teas”. The blend has a fruity flavor and its musky, sweet notes make it one of a kind. These teas are available in different varieties, with floral sweet taste as well as a little astringent taste.

2) Weight control benefitsTea from Darjeeling tea estates is a rich source of caffeine, which can prevent additional weight gain. The substance accelerates the metabolic rate and further increases the effectiveness of exercises. Any individual who wants to control his or her weight can benefit from the consumption of this type of beverage.3) Stress relieving propertiesThis kind of tea happens to be packed with catechins, a type of antioxidant and natural phenol that can improve blood pressure and offer relief from stress as well. These complex organic molecules can help reduce pain sensations. Regular consumption of the tea is important for people who would like to de-stress themselves amid the hectic activities of daily life.4) Preventing gastric disorderDarjeeling tea also helps improve gastric health. It can help heal gastric cancer as well as prevent the development of stomach ulcers. The brew reduces the proliferation of the bacteria known as Helicobacter Pylori, which can cause severe ulcers in the stomach. This kind of brew has plenty of health benefits, and tea traders in Darjeeling attempt to maintain the quality of various varieties.5) Making the immune system strongerDarjeeling tea is also extremely effective in improving the natural immunity. People who tend to catch cold or flu easily should consume at least 1 cup of Darjeeling brew on a daily basis. The tea contains a type of enzyme known as Theanine, which can improve the ability of the body to combat infections.

6) Enhancing tooth healthOrganic Darjeeling tea, particularly of the black variety, can prevent the decay of tooth and reduce the formation of cavity. Daily intake of this tea blends can prevent the decay of tooth. Some studies indicate that the intake can help destroy cancer-causing organisms and help prevent oral cancer and other cancerous conditions.7) Preventing viral infectionsRecent research indicates that the consumption of black tea can eliminate germs, such as those that cause skin infections, cystitis, pneumonia, herpes and diarrhea. Some studies show that drinking black tea can neutralize viruses in the mouth.

Free Internet Marketing Software Keyword Generator

May 11, 2017

As you begin your search for new free internet marketing software and free keyword generator programs there are certain things that you must do to maximize your efforts. Remember that time is your most valuable commodity as an internet marketer and simply put we as marketers do not have time to waste looking at, reading about and testing new software programs that offer the following;1.) Trial Use2.) Limited Use3.) Timed Use4.) Demo Only5.) Light VersionI’m sure that from time to time you will find a truly wonderful program that defies all of the odds, but let’s look at this from a practical point of view here. How much time was spent getting to the point where you found that software program? Was it really worth all the hassles? More often than not I’m sure that you’ll agree that it would be better if you could simply find a website that reviewed these so called “free internet marketing software programs” and “free keyword generators”. And of course finding such a site that also offered a blog or forum for viewer comments would be even better.To prove this let’s do a brief study on free internet marketing software and high quality free keyword generators. For the sake of argument let’s run a search on Google for a “free keyword generator”.Case Study #1:Free Keyword List Generator by Stomper Net – My first thoughts were WOW another GREAT free or low cost promotional tool being offered by Stomper Net! Then I realized that I had to sign up for their email list AGAIN and register to use the tool. Once I’d jumped through these initial proverbial hoops I was shocked to find that I’d overlooked the fact that this software uses Word Tracker Keywords.

This means that my software would need to be upgraded to unlock it’s full potential, which of course would cost money. Worse than that I might need to sign up for the Word Tracker Keywords program and that means I could possibly end up paying for a monthly or annual subscription to their service.* Before I offend anyone I do realize that Stomper Net and the Word Tracker Keyword program are both well respected staples in the internet marketing niche. However, in this case it is my goal to help people find completely FREE full version internet marketing software and keyword generator software that they can use to promote their products, services and affiliate programs with.Case Study #2:Good Keywords – At first site their website looks very well organized and professional. They offer free full version keyword research tools and keyword generator software that looks like it will do exactly what we’ve all be looking for. At one time this may have been a state of the art program back when Yahoo’s Overture worked reliably on a consistent basis.The problem with this free internet marketing software group is that it is completely reliant on a program that is so over used that the mere traffic to the Yahoo Overture website alone bogs down their system so badly that you’re lucky if you can even get their website pages to load from one visit to the next.* Also sadly in this internet marketer’s humble opinion the results that are pulled with the free Yahoo Overture tool has proven to be unreliable and unstable at best. Again, I don’t mean to offend anyone and I’m sure that at one time this was a GREAT program, but there are newer and better things.Case Study #3:Global Promoter – The first thing I noticed on their website was this;”Please be patient. This may take up to 2 minutes because it compiles the results of 6 major search engines. Sometimes no results are returned even though there are queries performed on the keywords you typed in during the given month. If this occurs, just hit submit again until the correct results are returned.”In theory this looks GREAT if they’re really using this free internet marketing software program, or in this case, free keyword generator software, to search on SIX major search engines! However, what I found next really bothered me.
“No Searches Done in March 2008 on the Overture network of search engines for your keyword.”This only left me thinking that there I was again using a program that was completely reliant on Yahoo’s Overture, which again in my humble opinion was outdated, unreliable and inconsistent.Case Study #4:Google AdWords Free Keyword Generator Tool – With this free internet marketing software program I thought that I’d finally struck oil. After all no website is more revered, searched and used online for things of this nature than the mighty Google themselves! With that in mind I typed in my favorite set of keyword search terms;”free internet marketing software”Unfortunately the results that were returned consisted of 3 targeted keyword phrases and 11 other keyword phrases that had NOTHING to do with any form of internet marketing software.Case Study #5:Traffic Zap’s Free Keyword Generator – Let me cut this one short by telling you that when I tried to use it the first thing I got was a POP UP with something that looked mildly semi-pornographic. It then appeared to be processing for some time only to return an error message that once again leads back to problems that we’ve already discussed regarding the long list of free internet marketing software programs that rely on Yahoo’s Overture.

At this point we’ve researched ALL of the top 5 unique listings on Google for “free keyword generator” and we have yet to find a truly reliable free internet marketing software program that we can use to promote our products, services or affiliate marketing programs…..other than ones that we would most likely have to PAY to upgrade, such as the program by Stomper Net mentioned above.Final Case Study:Free Keyword Generator by IM Software 4 Free – This program checks for a list of popular keywords by searching on Google, Yahoo and MSN combined to come up with a more complete starting point for internet marketers to use. It also runs a search on these 3 major search engines to find out how many competitor posts show up for each of the chosen keywords.While no free internet marketing software or free keyword generator is going to be perfect this tool is truly a GREAT program to use and best of all it’s completely FREE to download and use. There is no trial use, limited use, timed use, demo or light version that leads to a paid upgrade or leaves you out hanging in the wind to PAY if you want to use the software after a specific time frame.

Put Power Behind Your Nutritional Information

May 9, 2017

Nutrition information and natural remedies are now being used by a large population in the United States and throughout the world. People are looking for alternative ways to create health or recover from long standing illnesses. Drugs have been applied for around a hundred years and we all know that they are good for emergencies and for short term use to get past health dangers.If you are sick or have certain body conditions that are creating pain, then consider learning enough nutrition information that will help you eliminate that sickness or pain. Learning the basic principles of nutrition is not hard, but it does take a little effort in finding the right nutritional course that teaches practical ways of applying nutrition.Nutrition is actually a science, which can get quite complex in theory. Nutrition information is concerned with the chemical make up of food, how this food is digested, how it is absorbed and used by your body. It is all about how it is used to promote health, and how it is used to prevent and eliminated illness.

Applying practical nutrition stops the beginning of inflammation. This prevents the formation of disease. If disease is developing or well established, nutrition can reverse these conditions. But it can only do this if not to much tissue or cells in that area have not been destroyed.Inflammation comes from excess acid in your body. This acid is created from the foods you eat. Eating certain foods leave an acid residue in your cells that then travels into the liquid surrounding your cells – lymph liquid. In the lymph liquid, this acid can damage the surrounding cells and tissue and in doing so starts the inflammation process.Many scientists and medical researchers have uncovered the basic principles of the acid-alkaline body. Maintaining an acid body, which many people have, is what creates and maintains various deadly diseases. Most pathogens like an acid body. Cancer thrives in an acid body.Nutrition gives you the information you need to know on how to maintain an alkaline body. It gives you the information on what foods are acid and alkaline. Eating the right foods is how you maintain your health. But, nutrition information goes further in explaining how your body uses the foods you eat and how your entire body functions with this good food.Nutrition says your body is bioelectrical. Your body is run by electrical and chemical reactions. You need to discover what foods support these electrical and chemical activities. Without the right electrical activities in your body, your cells will not get the right nutrition, which is necessary for your survival. Nutrition is also about discovering what food, nutrients and minerals your body needs and what illness you develop if you don’t get them.

Learning natural nutrition information is now possible online. In the past it was difficult to learn nutrition without going to school. Finding courses in practical nutrition can be difficult but what you and most people need is to learn is nutrition that you can put into practice. Find the time, find the course, and find the health that you need with the right nutrition course.

What Is the Relevance of Technology?

May 16, 2017

“Technology in the long-run is irrelevant”. That is what a customer of mine told me when I made a presentation to him about a new product. I had been talking about the product’s features and benefits and listed “state-of-the-art technology” or something to that effect, as one of them. That is when he made his statement. I realized later that he was correct, at least within the context of how I used “Technology” in my presentation. But I began thinking about whether he could be right in other contexts as well.What is Technology?Merriam-Webster defines it as:1a: the practical application of knowledge especially in a particular area: engineering 2 b: a capability given by the practical application of knowledge 2: a manner of accomplishing a task especially using technical processes, methods, or knowledge 3: the specialized aspects of a particular field of endeavor Wikipedia defines it as:Technology (from Greek τέχνη, techne, “art, skill, cunning of hand”; and -λογία, -logia[1]) is the making, modification, usage, and knowledge of tools, machines, techniques, crafts, systems, and methods of organization, in order to solve a problem, improve a preexisting solution to a problem, achieve a goal, handle an applied input/output relation or perform a specific function. It can also refer to the collection of such tools, including machinery, modifications, arrangements and procedures. Technologies significantly affect human as well as other animal species’ ability to control and adapt to their natural environments. The term can either be applied generally or to specific areas: examples include construction technology, medical technology, and information technology.Both definitions revolve around the same thing – application and usage.Technology is an enablerMany people mistakenly believe it is technology which drives innovation. Yet from the definitions above, that is clearly not the case. It is opportunity which defines innovation and technology which enables innovation. Think of the classic “Build a better mousetrap” example taught in most business schools. You might have the technology to build a better mousetrap, but if you have no mice or the old mousetrap works well, there is no opportunity and then the technology to build a better one becomes irrelevant. On the other hand, if you are overrun with mice then the opportunity exists to innovate a product using your technology.

Another example, one with which I am intimately familiar, are consumer electronics startup companies. I’ve been associated with both those that succeeded and those that failed. Each possessed unique leading edge technologies. The difference was opportunity. Those that failed could not find the opportunity to develop a meaningful innovation using their technology. In fact to survive, these companies had to morph oftentimes into something totally different and if they were lucky they could take advantage of derivatives of their original technology. More often than not, the original technology wound up in the scrap heap. Technology, thus, is an enabler whose ultimate value proposition is to make improvements to our lives. In order to be relevant, it needs to be used to create innovations that are driven by opportunity.Technology as a competitive advantage?Many companies list a technology as one of their competitive advantages. Is this valid? In some cases yes, but In most cases no.Technology develops along two paths – an evolutionary path and a revolutionary path.A revolutionary technology is one which enables new industries or enables solutions to problems that were previously not possible. Semiconductor technology is a good example. Not only did it spawn new industries and products, but it spawned other revolutionary technologies – transistor technology, integrated circuit technology, microprocessor technology. All which provide many of the products and services we consume today. But is semiconductor technology a competitive advantage? Looking at the number of semiconductor companies that exist today (with new ones forming every day), I’d say not. How about microprocessor technology? Again, no. Lots of microprocessor companies out there. How about quad core microprocessor technology? Not as many companies, but you have Intel, AMD, ARM, and a host of companies building custom quad core processors (Apple, Samsung, Qualcomm, etc). So again, not much of a competitive advantage. Competition from competing technologies and easy access to IP mitigates the perceived competitive advantage of any particular technology. Android vs iOS is a good example of how this works. Both operating systems are derivatives of UNIX. Apple used their technology to introduce iOS and gained an early market advantage. However, Google, utilizing their variant of Unix (a competing technology), caught up relatively quickly. The reasons for this lie not in the underlying technology, but in how the products made possible by those technologies were brought to market (free vs. walled garden, etc.) and the differences in the strategic visions of each company.Evolutionary technology is one which incrementally builds upon the base revolutionary technology. But by it’s very nature, the incremental change is easier for a competitor to match or leapfrog. Take for example wireless cellphone technology. Company V introduced 4G products prior to Company A and while it may have had a short term advantage, as soon as Company A introduced their 4G products, the advantage due to technology disappeared. The consumer went back to choosing Company A or Company V based on price, service, coverage, whatever, but not based on technology. Thus technology might have been relevant in the short term, but in the long term, became irrelevant.In today’s world, technologies tend to quickly become commoditized, and within any particular technology lies the seeds of its own death.Technology’s RelevanceThis article was written from the prospective of an end customer. From a developer/designer standpoint things get murkier. The further one is removed from the technology, the less relevant it becomes. To a developer, the technology can look like a product. An enabling product, but a product nonetheless, and thus it is highly relevant. Bose uses a proprietary signal processing technology to enable products that meet a set of market requirements and thus the technology and what it enables is relevant to them. Their customers are more concerned with how it sounds, what’s the price, what’s the quality, etc., and not so much with how it is achieved, thus the technology used is much less relevant to them.

Recently, I was involved in a discussion on Google+ about the new Motorola X phone. A lot of the people on those posts slammed the phone for various reasons – price, locked boot loader, etc. There were also plenty of knocks on the fact that it didn’t have a quad-core processor like the S4 or HTC One which were priced similarly. What they failed to grasp is that whether the manufacturer used 1, 2, 4, or 8 cores in the end makes no difference as long as the phone can deliver a competitive (or even best of class) feature set, functionality, price, and user experience. The iPhone is one of the most successful phones ever produced, and yet it runs on a dual-core processor. It still delivers one of the best user experiences on the market. The features that are enabled by the technology are what are relevant to the consumer, not the technology itself.The relevance of technology therefore, is as an enabler, not as a product feature or a competitive advantage, or any myriad of other things – an enabler. Looking at the Android operating system, it is an impressive piece of software technology, and yet Google gives it away. Why? Because standalone, it does nothing for Google. Giving it away allows other companies to use their expertise to build products and services which then act as enablers for Google’s products and services. To Google, that’s where the real value is.The possession of or access to a technology is only important for what it enables you to do – create innovations which solve problems. That is the real relevance of technology.

Womens Reproductive Health – Where to Turn for Womens Reproductive Health Answers

May 4, 2017

When it comes to womens reproductive health, there are a lot of questions that can be asked. If you have a question it’s always best to see a doctor and ask him or her in person. After all, they went to school for years to specialize in the subject, it’d be a shame if they never got to utilize their skills. Besides going to a womens health specialist, your best bet is to get online, head to a library or even ask your friends. Usually, a poll of ten or so female friends can tell you if something is normal or an issue you should be concerned about.

If you get online, you can go to different web doctor sites that can give you lists of symptoms and pair you up with the health issue that is most likely what you’re currently dealing with. If there’s no specific problem that you’re worried about, and you just want to know more about womens reproductive health, you can try using a forum. Forums are great because they are completely anonymous. You can post whatever you’d like or just sit and read what everyone else has written without having to wonder whether somebody you’re talking to knows you. On the other hand, since you don’t know who is posting, you can never be sure if you’re really getting a doctor’s advice or just the ramblings of an unemployed loser.

There are a lot of fantastic books pertaining to womens reproductive health that you can use as resources. All you need to do is go to the library or book store and you’ll find hundreds of books by about as many authors on the subject matter. They can walk you through everything you need to know about womens reproductive health, and can serve as excellent guides.

7 Easy Steps to Conducting Your Marketing Research Plan!

May 9, 2017

Marketing research is a process used by businesses to collect, analyze, and interpret information used to make sound business decisions and successfully manage the business. In other words, it links the consumer to the marketer by providing information that can be used in making marketing decisions (i.e. B2C or B2B). This can not be implemented without the use of a MIS (Marketing Research System) to gather, sort, analyze, evaluate, and distribute needed, timely, and accurate information to marketing decision makers.Here are the steps to implementing a marketing research process.1. Ask yourself if there is a real need for marketing research. It’s not only the first step to take but a very critical one as well! Research takes a lot of time due to the overload of secondary information available on the Internet. It’s ideal to think that it takes months or even a year to completely finalize a marketing research agenda. The other factor you will need to consider is the cost of doing it, especially if you hire an agency to do it for you. What you want to compare is the value of the information vs the cost of the information. If the value of the information is worth the cost and time of doing it, then by all means, go for it buddy!If you’re still unsure, here’s a few quick guides to go by to determine that marketing research is not needed:a) The information is already available

b) The timing is wrong to conduct marketing researchc) Funds are not available for marketing researchd) Costs outweigh the value of marketing research2. Define the problem. This is the most important step (assuming you’ve decided to do marketing research). If the problem is incorrectly defined, all else will become wasted effort! Keep in mind that the need to make a decision requires decision alternatives. If there are no alternatives, no decision is necessary. For example, let’s say your sales are down by 30%, therefore becoming a problem with your revenues. Your alternatives may be to see how well ads #2 does compared to ads #1 in terms of sales. Use secondary data sources to develop ideas further into the research.Here’s a powerful technique to use in order to pinpoint important problems and receive information all in one: create a focus group! Here’s why:a) it generates fresh ideasb) allow clients to observe their participantsc) understand a wide variety of issuesd) allow easy access to special respondent groups3. Establish objectives. Research objectives, when stated effectively, can provide the information needed to solve the problem you have from step 2. All of your objectives should be what you want to study in your market research and specific as possible.Here’s a quick checklist of what to include in each and every objective:a) specify from whom information is to be gatheredb) specify what information is neededc) specify the unit of measurement used to gather informationd) use the respondents’ reference to re-word the question4. Determine research design. There are 5 different designs you can choose from to get the information you need, such as descriptive, exploratory, causal, and diagnostic research. Descriptive research describe market variables. Exploratory research allows you to get information in an unstructured way. Causal studies is to try to reveal what factor(s) cause some event to happen. Diagnostic research focuses on the sources of satisfaction and dissatisfaction.5. Choose method of assessing data. Secondary data is more easy to access than primary data, such as online surveys. However, if you are into the traditional way of doing data collection (i.e. telephone, mail, F-2-F), they all still have a place in marketing research. The questionnaire that you present to the respondents must be worded clearly and unbias.Here’s a few pointers you want to remember when creating the forms for your questionnaire:a) use nominal, ordinal, interval-Likert, interval-S-D, interval-Stapel, and ratio measurementsb) questions pertaining to each research objective (step 3)c) questions pertaining to attribute, attitude, or behavior

d) have 1 open-ended question (I would definitely keep this at a minimum, if I were you)6. Determine sample plan and size. Your sample plan should describe how each sample element is to be drawn from the total population. The sample size tells how many elements of the population should be included in the sample. In other words, the purpose of the sample plan is to give you representativeness, while the sample size gives you accuracy!Here’s a small but important task to take to prevent or minimize nonsampling errors from occurring: validate your participants by re-contacting!7. Analyze and report the data. It’s always good to go back and run tests on the information you have to screen out errors that may occur. Once you have all that you need for the research (pie charts, bar graphs, statistics, survey, etc), you want to be sure to create a report of it. Carefully present the research report in a way that communicates the results clearly, yet accurately to the client.Remember marketing research is all about connecting the dots. The more information you know about your consumers, the more you bridge together with your consumers. The more closer you bridge together with your consumers, the more miles you create for long-term customer relationships. Go for it!

India Debt Collection Business

May 7, 2017

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

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

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

The Transformation Of Political Science And The Rise In Crime Rates

May 2, 2017

The current field of political sciences is dominated by a multitude of ideas that have never in its history featured so prominently in this discipline. The general belief that it has lost its focus once and for all is from time to time counteracted by different opinions. One of those is that the world has come full circle, that mankind has experimented out all possibilities in terms of ideological thinking and that the liberal democracy as we know it has come out of the process as the prize winner both politically and economically. Some define this as the end of history. It also goes by the name of ultra modernism. Globalisation fits in perfectly and all reflects the increasing complexity that we are finding our world to involve us in and which, in order to come to terms with the bigger magnitude of the whole, we are describing in essentially vague terms.The idea that history might have died a death was first launched in the 1980s by Francis Fukayama who wrote a now famous essay entitled ‘The End of History’, in The National Interest on the subject. The idea has persisted during the subsequent historic reality-altering events leading to our understanding of the world in terms of security and globalization, even though the liberal ground is under siege from left and right wing ideologies, parts of which are finding their way into the democratic liberal discourse.However inappropriate it essentially is to define the new ‘winning ideology’ — the policical science discourse is rife with arguments in favor of departing from old fashioned foundationalism and swapping this for a-systemic ideas gathered from all other disciplines– we are at this time almost as happy with any theory that offers a firm grip on reality as the third world would be with a cure for poverty. Much though the world is changing and much though this fast change is reflected in the sciences, the a-systemic ideas making up the political sciences might not necessarily reflect what’s going on in society one hundred percent adequately.Issues like crime and other ‘anti social behavior’ are significantly underexposed in areas of political scientific studies, say researchers. Our highly developed society and increased sophistication in all the disciplines that results in political sciences being a highly esteemed area for study, delivering no doubt high caliber students to society, does not necessarily guarantee a tangible decline in crime rates. We are missing out something big time. Is this the whiplash of a-systemic thinking we all intuitively fear?If you may believe studies undertaken by political scientists, in future, we won’t have a lot of room for corruption and evil wrongdoers in our society. Leaf through an average new book on political science and find hardly a line, let alone a chapter, dedicated to the evil side of human nature. What makes us all think that synchronising everything automatically leads to a better world and therefore a less violence prone society? In the same breath, you might ask, what is the new Left, the new Right, the Libertarian and the other political mainstream thinking on issues such as the Third World? For all our great knowledge and speedy technology-supported understanding of what is going on, we are still not much better at remedying the main problems the world is faced with.

Criminology is part of the exercise of deconstructing the past, deconstructing other disciplines and constructing new ideas from a mixture of all of them which keeps social scientists busy these days. Yet it’s not enough apparently to translate into better thinking on the way safety and society can be organised.Whether a certain approach to crime really is to blame for its rise is debatable. What is certain is that modern societies have become safer and more comfortable in many areas but that crime has risen in equal proportion. “When it comes to crime, or more broadly stated ‘antisocial’ behaviour, society has actually become less safe. Crime constitutes an insecurity risk which is difficult to control. Many citizens and organizations will at some stage fall victim – usually completely unexpected -to behaviour which can harm them, physically or financially”, according to a recent research report by the Foresight Institute of the Netherlands, a semi official consultancy. It is one of the few studies in this field.The increasingly Old World definition of the nation state was primarily driven by the desire to resist this sort of danger, the researchers say. They continue that the way we deal with crime has evolved too. It is at this point that state organization is likely to really begin to crumble. A prime, if not the prime raison d’etre for governments is keeping a population relatively safe and free from crime. The more governments are perceived to be failing in providing the desired high level of societal safety, the less justification there is for governments and their imposing taxes on a country’s population.Changes in the way crime is perceived include treatment of the issue in more scientific disciplines than ever. Yet some, including Fukayama, argue that the social sciences lack a distinct central view on human nature, which stems back from the post Kant era. The only reason that I feel you can raise the human nature argument again is that over the last 30 years in the life sciences there has been a lot of empirical work that has made the concept respectable to scientists. Yet social scientists and certainly people in cultural studies have yet to get that message, says Fukayama. They are very resistant to the notion of human nature.The issue is grappled with mostly by people who try to integrate crime studies into a whole range of disciplines. “Crime has lost its exclusiveness, the approach to crime and crime prevention is no longer exclusively the responsibility of the police and the judicial authorities”, say the Foresight institution researchers. This coincided with a tangible change in society too. In the early 1980s, there was a sea change in the approach to crime and crime prevention. Inspired by understandable self-interest, individual citizens, organizations in the community and local authorities started to feel that they bore a responsibility for crime prevention. Nevertheless, the results are not particularly overwhelming and the researchers at Foresight say that for the situation by the year 2010, some areas of research are still vastly underrepresented.One real life example of high profile people sharing this concern is the situation on the Guernsey islands off the coast of the UK. You’d say this small island offers a perfect case to study the governability of a country with a limited population, to try and test the limits of a system to the full. Politicians might well be aware of this. At least, they appear to have a clear idea and are aware of the unique nature of their society and of the effects of the rules they invent. The measurability of crime renders the subject a good target for analysis, sophisticated ideas of governance and societal structures. The self consciousness leads to frequent interesting debates by politicians on this island. Recently, a senior politician attributed the perceived rise in crime and anti-social behavior the effect of “woolly liberal” thinking. He said the increased emphasis on human rights in particular is to blame for the rise in crime.The politician said that his government’s human rights act had led to offenders becoming “untouchable” by the authorities. Warning of the dangers of liberal thinking, he pointed out that there’s no common sense in Guernsey’s human rights laws which others believe ensure rights and responsibilities of citizens are balanced out rather evenly. He said the woolly thinking underlying the human rights ideas on the island led to alcoholism among the younger population for one.This is one of the issues where the argument that improved technology in the hands of police and law enforcers is going to do the trick, won’t do completely. Developments in modern technology and improved understanding of changes in social control are central to ideas about stamping out crime. The foresight researchers recommend that there should be a radical reorganisation of how financial resources are made available to this effect, if crime prevention is to bear any fruit.Research efforts need to be stepped up dramatically if modern society is to develop adequate knowledge in any form or shape. They believe that the demand for scientific knowledge by the institutions, municipalities, government departments and private sector agencies might seem to be a professionalization of the area, but that in fact it does often not mean anything, especially not in the long run.Fundamental scientific research into issues which are already playing a part at this time needs to be stepped up, the institute believes, in order to keep up with the criminal sector. They predict that by 2010, crime will have changed radically as a result of technological and economic developments and changes in social control and cohesion. There is a great need for fundamental research, for interdisciplinary knowledge and knowledge about long-term, ongoing issues such as criminal careers, say the researchers. In the next ten years there will also be a need for more theoretical research focusing on normative and empirical issues.

The wildly diverging ideas about human beings in the social sciences is exacerbated with a dramatically lowered emphasis on any blatant negative aspects of society in postmodern political science due to the death of positivist thinking. You could argue that this is at the heart of the problem of surging crime despite increased wealth of societies.The political sciences appear most promising in their capacity for addressing the anomalies. It is the best discipline to do so, because it does not plan at neutrality. And, what’s more, the political scientist´s loyalties and engagements will not necessarily be predictable and stable over time. If it doesn’t yield immediate tangible results, it at least is a start. And it makes for less dry reading of the articles and books describing what’s perceived as the state of play in these sciences. You’d imagine that anyone coming up with a theory involving the axiom that history has ended, would be prone to fantasy.And that’s somewhat true; academic attention for total fantastic ideas as a means to understand or create is on the rise. It’s much under attack from critics who say this is a foolish activity, especially when keeping in mind the idea that when you walk the streets of your town you can be subjected to a criminal attack at any given moment. Sceptics will imply that much of the storytelling anyway misses out large parts of reality, especially the less attractive features. Which is, however, not to say that blind spots are not being reduced.But somehow, the rationale itself is changing for the criticism of the ways modern science works. The criticism for instance on the way politicians work, who seem keener to know about the cultural trends, popular culture, the media and power than in the labyrinthine workings of party and parliamentary democracy is that they are not sticking to their own field. Yet the new approaches favored in the political sciences leave more leeway for alternative ways that allow for a greater number of methods to assess reality than many predecessors ever dreamt of.In stead of a total abandonment of all serious work, modern political science presents us with a mixture of both regurgitated theories of old time philosophers and original, rather broad based ideas. And in new, often surprising, ways.Sceptical post modernists will contend that as there is no correct method for political research and researching the political, that it might be wise to adopt an anti-rules method, while the affirmatives may adopt something that can be termed ‘anything goes’. But perhaps several methodologies are best blended together to come to a robust approach to researching a problem. Much hinges too on one’s perspective on history.

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.

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