Advantages of Business Insurance

Business insurance is considered as a fundamental part of business. Business insurance has many benefits that include protecting business property against unexpected occurrences like fire, theft, or injury to an employee or customer.

• Commercial insurance helps to protect many of the risks a business can face, involving damage or destruction to business vehicles, certain liability hazards resulting from the working of business vehicles, damage or destruction to office equipment or inventory, loss of income in case the business is closed temporarily.
• Business insurance also helps in protecting owner against certain business related liability hazards like, wrongful entry or search, libel (purposefully lie), slander (damage) and even crimes arising out of business’s advertising, risks to cargo while in transportation or storage, theft or loss of tools and equipment, crime coverage involving robbery, burglary, even employee dishonesty.
• In the event of a loss, insurance helps to recover the costs and keep in business.

So, in order to save property of business, get your business insured.

Actions To Take Against Drug Abused Employees

If employee substance abuse problem becomes extensive, then it disturbs the workplace. So, coworkers and supervisors should take prompt action.

For Coworkers:
Do not allow addictive behaviors by ignoring, excusing, or fixing the coworker who abuses drugs. Based on the situation and relationship with the coworker (drug abuse), they have to take supporting steps to help them. They should try talking to coworker who is drug abuse about their concerns in straightforward, merciful way. Coworkers should also be prepared to hear excuses, apologies, angry remarks, tearful pleas, and claims of innocence from drug abused co-worker. They should just provide non-judgmental support and help them to undertake treatment but should not try to solve their problem.

For Employers:
A company’s staff is its most profitable resource. Every employer should design a plan in place for approaching addiction in the workplace and providing treatment for those who require it. Research reveals that addiction treatment costs less than replacement of an employee and has more significance in terms of customer satisfaction, strengthened morale, and improved job performance.

Tips to Improve Fuel Efficiency of Car

Driving in the highest gear possible without troubling the engine is a fuel-efficient way of driving. Use your gears wisely. A vehicle traveling at 37mph in third gear uses 25 percent more fuel than at the same speed in fifth gear. By applying light choke and avoiding heavy braking, we can reduce both fuel consumption and wear and tear of components. Research suggests driving techniques can influence car fuel efficiency by about 30 percent. Switching your engine off for short periods can actually increase fuel consumption, as it requires more fuel to get the engine started. The lighter the load, the lower the fuel consumption, emissions, and the higher the fuel efficiency. Worn tyres will also decrease fuel efficiency, so check the tread regularly. Driving with your windows open drastically reduces your fuel efficiency, more than running car with air conditioner. The air-conditioning decreases fuel efficiency too, so try not to over use it. Operating air conditioner in city traffic reduces fuel efficiency by about 9%. Choose an economical car, like small cars use as they are more fuel-efficient and produce lower emissions than large cars. Under inflated (filled) tyres can increase fuel consumption greatly.

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Debut of new cars in LA auto show 2009

The LA auto show has given hopes of recovery of the auto market of Los Angeles. The show was a hit and the cars that are shown here are really good. Taking a look at the show stealers of the entire event …

• Audi R8 Roadster: It’s much awaited – cool-looking sports car from Audi.
• P-NUT: Personal-Neo Urban Transport in abbreviation. This is whimsical three-seat subcompact from Honda.
• Boxster Spyder: This is lightweight car from Porsche - I must say the lightest car. This falls into the category of company’s much-loved mid-engined roadster but with enhanced performance.
• Up! Lite: A sinister looking diesel hybrid car from Volkswagen that gets 70 mpg combined. It presages a three-door hatchback version of the upcoming Up! subcompact which is set to release in 2012. It weighs 1,500 pounds. Now you know why it’s called Lite.
• Chevrolet Cruze: Not to introduce it specially – the legendary Sedan from General Motors. It features a downsized turbocharged engine and six-speed transmissihttp://www.blogger.com/img/blank.gifons, advances that earn the Cruze 40 mpg on the EPA’s highway fuel economy cycle.
• A3 TDI: This car was awarded Green car of the year. Not to mention that this is from Audi – this works on clean-diesel giving 42 miles per gallon on the highway.

What to do when you became a victim of Cyber Crime

There is an organization which is responsible for taking Internet related criminal complaints, that is Internet Crime Complaint Center (IC3). It was established after partnership between the Federal Bureau of Investigation (FBI) and The National White Collar Crime Center (NW3C).

Once it accepts your complaint it does the research on the complaint and refer to the federal, state, local, international law enforcement or regulatory agencies for any investigation they deem to be appropriate. It refers to the above agencies depending upon the scope of the crime.

IC3 provides a convenient and easy to use reporting mechanism to the victims of cyber crime. These reporting mechanisms alerts authorities of suspected criminals. IC3 accepts the complaints in online form either from the person who believes that he is deceived by the cyber criminals or from a third party to the complaint. IC3 can help you in a best manner if you provide accurate and complete information to them. IC3 expects these following information regarding your complaint.

• Name and address.
• email id.
• telephone number/mobile number
• Web address, if available, of the individual or organization .
• Specific details on how, why, and when you believe you were deceived.
• You need to provide any other information that necessary to support your complaint.

Content filtering based upon Statistics

Statistical filtering, once set up, does not require any maintenance as such, and relies upon the response of the user to the incoming messages .The user receives the messages and marks them as spam or non spam and the filtering software learns from these judgments. The statistical filter does not reflect the software author's biases or the administrator's biases as such but it reflects the user's biases as to content. A biochemist who researches upon Viagra will not have messages containing the word “Viagra” flagged as spam because “Viagra” may show up in his or her legitimate messages. Spam messages containing the word “Viagra” may be considered as spam by any ordinary filter. Statistical filters should not just filter the messages by content but also by the transport mechanism through which they are sent. Typically statistical filtering techniques take single words in the calculation in deciding whether the message is flagged as spam or not but a more powerful calculation can be made by taking two or more words into consideration.

Software programs that implement statistical filtering include SpamBayes, Bogofilter, DSPAM and the e-mail programs like Mozilla Thunderbird, Mailwasher, and later revisions of SpamAssassin. Another interesting project is CRM114, which hashes phrases and performs Bayesian classification on the phrases. A free mail filter POPFile is also available which sorts email in as many categories as you may want (family, coworker, friends, spam and whatever) with Bayesian filtering.

The Effective Process of Team Building

In a team-directed environment, you contribute to the total success of the organization. You work with members of the organization to produce better results. Though you make belong to a function impression and to you specific to a specific department, you are unified with other members of organization to achieve the total objectives. So every team member in every workplace talk about building the team, working as a team, and my team, but few understand how to create the experience of team work or how to develop an effective team. The term 'team building' can refer generally to the selection and motivation of result oriented teams, or more specifically to group self-assessment in the theory and practice of organizational development.

When a team in an organizational development context embarks upon a process of self-assessment in order to gauge its own effectiveness and thereby improve performance, it can be argued that it is engaging in team building, although this may be considered a narrow definition.

The Process
The process of team building includes,

• Clarifying the goal, and building ownership across the team and
• Identifying the inhibitors to teamwork and removing or overcoming them, or if they cannot be removed, mitigating their negative effect on the team.

To Assess
To assess itself, a team seeks feedback to find out both:

• Its current strengths as a team
• Its current weakness

Improvement
To improve its current performance, a team uses the feedback from the team assessment in order to:

• Identify any gap between the desired state and the actual state
• Design a gap-closure strategy

How Effective is Medicine Marijuana?

Marijuana is an illegal drug. It works by affecting the receptors in the body that are involved with movement, memory, and vomiting. Therefore, it is used by people sometimes as means of reducing pain and nausea. Marijuana is also known as an immune suppressant. So the people who are addicted to marijuana need to undergo the marijuana drug test. Marijuana is an illegal substance because of its high levels of THC. THC is what is found in the plant that can alter the mind. However, this same component is also what takes away nausea and pain that are found in specific health conditions. For instance, marijuana is often used by people who suffer from different forms of cancer and are taking chemotherapy.

Pros and cons alternative medicine has developed involve many different elements of the drug. For instance, because marijuana is often smoked, it can have a negative effect on the person's lungs and breathing. This is especially true for people with allergies or asthma. The mind altering effect the drug has can also be seen as a negative by some people who are not intentionally seeking a high.

All the available information that pros and cons alternative medicine has developed are a help to the person interested in using marijuana as a medicine. As the use of marijuana becomes more popular for people who suffer from different ailments, there are many different pros and cons alternative medicine can use to determine what can be done. Then if the pros outweigh the cons, then new therapies can be developed or may be developed.

This being said, it is not quite so simple. Some medicinal marijuana does not have the same level of THC and therefore does not have the same amount of high with it. However, this again means that it is not necessarily helping the person as much as possible when the THC has been reduced. Another one of the pros and cons alternative medicine has come up with is that chemotherapy leaves people feeling really sick sometimes and the use of medicinal marijuana can help alleviate the nausea from the chemo as well as the pain from the cancer. The drug addicts have to carry out their own drug test kit after the treatment of marijuana drug abuse.

It Is Simple to Use Integrated Marketing

Integrated marketing has positive impact on customer service, sales, marketing, and management departments differently. More effective results are achieved with high level of insight and application results, which helps creating a foundation in making every marketing activity effective.

An end-to-end marketing solution is the combination of techniques from both management and marketing company, from planning, budgeting, and execution of the strategy. Finally measure the broadband connections after implementing the integrated marketing solution.

Company should provide information regarding their customers and prospects, as well as tools followed by firm for enhancing acquisition and retention programs. Business and marketing criteria is appropriately utilized the every customer contacted by maintaining a constant cost-per-acquisition through Integrated marketing solution.

These solutions has helped their client’s growth and in expanding their activities both in home country and neighboring countries. Guaranteed results are achieved by using integrated marketing solution in solving their challenges. With this success they can build a plan with marketing firm, for lending support in executing their plans. Services of the company are coordinated by the support of a marketing firm.

Manage Your Data Anywhere, Any Time With Microsoft's SQL Server 2008

SQL Server 2008 delivers on Microsoft’s Data Platform vision by helping your organization manage any kind of data, any place, any time. Store data from structured, unstructured documents, and semi-structured documents including images and rich media, directly within the database. SQL Server 2008 distribute a rich set of integrated services that allow you to derive more mileage from your data such as query, search, synchronize, report, and analyze.

It get data from across your enterprise and give control no matter where it’s stored—it could be housed in the largest servers within the data center to desktops to mobile devices. SQL Server 2008 gives a complete platform, which delivers intelligence wherever and whenever users want it. Information workers can access data directly using the commonplace tools they use each day, such as the 2007 Microsoft Office system.

SQL Server 2008 information from custom applications is accessible that are developed using Microsoft’s new technologies such as Microsoft .NET and Visual Studio, from business processes through Microsoft BizTalk Server and also from within service-oriented architectures (SOA). It also provides scalable solutions to Business Intelligence, Server Consolidation, Data Warehousing, Virtualization and Server Consolidation, and Application Development.

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US Prosecutors Getting Tough Over Drink and Drive Cases

The increasing DUI and DWI cases are increasing at an alarming rate year after year. We have so tougher laws, and still we see offenses been taking place.

Whose fault it is? Government is struggling a lot to create awareness among people on not to drive when under influence. And there are many non-profitable organizations working voluntarily to stop people from drink and drive.

But still there are accidents taking place and in more bigger numbers. Such people don’t have proper social behavior. And it is for these people that there are laws. The reason behind what we see that laws aren’t working is that those people are not much scared of laws.

This is where laws have to focus on now. Approaching the problem with more tougher strategies is the only way left now to stop people from doing this. Now it is high time to treat the problem as a severe crime equivalent to murder; and this is how you can deal with the problem.

Start Your Freezed Car with Ease

Winter is really a very nuisance season though it seems great in some situations. And the worst thing I hate in winter is starting my car in winter. There is always one or the other problem with my car in this season. So I started to use some tricks to tackle this problem.

Firstly, it is always better to prepare for any thing well ahead. So I fix up my car with winter-weight oil and anti-freeze gadgets. It is recommended to update our anti-freeze for every two years. Make sure it hasn’t struck with any rust or dust.

The issue with battery is also a common problem during winter. Winter often leaves a battery dead. Make sure that you have everything set to keep your battery warm; use a ‘battery blanket’ to help your battery for this.

It is good to use clean clothes or paper towels to wipe the inside of your wind shields. Make sure that all your hoses and belts of your car are free from any cracks.

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Why Some Business Plans Fail

The future of the business depends on the plans that are made. Most business plans fail, as their basic foundation is not correct and they try to publicize instead of focusing on the business.

There are some common varieties of plans that do not work out.

1. The plan with no identification of a customer problem to resolve, but has a detailed description of the technology / product / service.
2. The plan that is set with Stupid Assumptions based on the secondary data of the technology / product / service in the market.
3. Most of the businesses look at profits rather than the customer feedback. Good business professionals not only look for profits but also ask fundamental questions to the customers.
4. Important factors to do business are - when addressed effectively, are likely to bring success even if less-important challenges aren’t handled well. Location, for instance, is a critical success factor in much of retailing. A business plan that identifies its critical success factors and shows how the team’s expertise and experience are suited to addressing them is much more likely to succeed
5. The common mistake where the businessperson can find anything but good things to say about the opportunity and plans to pursue it.

Experienced entrepreneurs understand that there are potential pitfalls in their market or industry. The facts are that most opportunities are highly uncertain. Most of them will fail.

Backyard toxic plants can harm pets

Many plants in and around houses grow by themselves. Most of the people don’t care about these plants as they are concerned about harming the greenery around them. Showing much compassionate on these weird plants can simply affect the health of your pets.

Pets don’t have much sense to identify between eatables and non-eatables. You cannot teach them even. And there are a big set of toxic plants in your backyard. You cannot monitor your pet from going towards those plants all the time. I am sure they are going to eat them sometime and fall sick.

My neighbor’s bulldog recently fell sick the same way and he had to pay a pretty big vet bill. Spending so much on your pet during recession - isn’t feasible for many.

I found a list of ten such toxic plants that grow in backyards of people, from MSNBC. Those include lilies, sago palm, autumn crocus, rhododendron, oleander, tulips, castor bean, yew, mushrooms.

And the tenth one is marijuana! I know it is toxic, but I didn’t know it grows in backyards.

10 Effective Ways Of Using A Blog

Blogs became an everyday activity for many people around the world where they can share their feelings, experiences, and many more. Business blogging became a powerful tool to target customers, and to increase sales for businesses. According to comScore 2008, 77.7 million unique visitors in U.S. out of total 188.9 millions Internet audiences are bloggers. And 77% of total active Internet users read blogs.

Effective ways of using a blog
Personal bloggers use blogs for various purposes. Businesses use blogs in building good customer relation as well as in increasing customer base. Blogs helps in enhancing website traffic, and can be a self-improvement tool.

• Personal: Many people maintain personal blogs to share their feelings, experiences, and to share their expertise. Bloggers exchange their ideas, ask or give suggestions various topics.
  
• Professional: Blogger can also share information on the interested areas. Based on the interest, blogger creates a blog, and share everything about the interest. Blogger can also share the expertise in that particular area with others.
• Used as a website for company: Blog can be used as a website for the company placing the information about the goods, and services of the company. Blogger shares the experiences of the clients after using the products.
• To earn money: Many people who blog are making money using them. Blogger can earn few dollars through the blog by placing few ads, and many more. Blogger can earn dollars using many ways to generate income. 37% of personal bloggers are making household income through blogs. Any one who writes the personal blogs can earn few dollars using different options like sponsorships, RSS advertising, etc.
• Team Communication: Within organizations, senior team creates a blog and uses it as a communication medium. Employee in the organization can share their opinions on the aspects of business. They can give suggestions to overcome any problem in any department. With out wasting time, smooth flow of information is possible among all the levels of employees.
• Get to know the customers: Using blogs, companies can know the opinions of the customers. Companies can also get any suggestion for improving the customer satisfaction, and many more.
• Business events: To inform about the business events to the public, and to their customers, businesses use blogs. This blog helps in sharing the information about the events happening in a business.
• Blogs for public opinion: Effective way of collecting information or opinions about different topics from different people is through blogs. If blogger try to collect the opinions of different people from different place on topic, then creating a blog for that purpose is a good option. Blogger and reader can agree or disagree on a topic based on the content of the blog.

This information gives a snapshot about the effective ways of using a blog both in personal and professional context. Blogging is widely used phenomenon, which is applicable for all prospects like sharing information, businesses, and many more.

What are the Myths and Facts on Marijuana?

Marijuana is also known by other names: cannabis, weed, grass, pot etc. This is the drug which is very commonly used for intoxication, in many countries especially, in the United States. There are so many people supplying marijuana illegally to teenagers which makes them easy to get the drug.

There are so many myths about marijuana on which people believe. But the facts are surprisingly different.

Myth # 1. Marijuana is safe compared to any other drugs.
Fact: Most of the people especially teenagers believe that marijuana is safe to use. But the effects are adverse on brain and the body.

Myth # 2. Marijuana makes driving safer than usual driving.
Fact: Most of the teenagers think that it is safe to drive after using marijuana because they can decrease the speed of the vehicle by concentrating more. But the fact is that they can't react quickly in the emergency situations and can't control the vehicle due to the lack of concentration and hand eye coordination.

Myth # 3. Marijuana is not an addictive drug.
Fact: It is not that everyone who use marijuana will become addicted to it. Daily and almost daily users, people who start abusing at their early or young age and long term users will have greater chance for addiction.

Myth # 4. Marijuana doesn't cause cancer.
Fact: It is not everyone who smokes marijuana becomes a cancer patient, but the risk of increasing chances of cancer is more than that for non abusers because it is has more than 400 chemicals related to cancer.

Myth # 5. No medication is available to treat marijuana abusers.
Fact: It is true that presently there is no medication available to treat marijuana abuse, but the treatment programs focus on counseling and group discussions and meeting to quit consuming marijuana.

Organize Your First Holiday with Friends

One of the best ways to travel is going on holiday with friends. The experience of visiting new places or travel to new places with friends is amazing. Planning the holiday based on the different opinions of friends is tedious process. The following are few steps to make your travel trip organized and to enjoy it thoroughly.

First thing is decide the place where you want to go. Based on all the tastes and requirements of the people, choose one destination.

Once you decide where you want to go, then decide whether you all are interested in traveling to that particular place. How long you want to travel means up to how many days you want to stay in the place. This decision makes it simple to arrange the requirements to travel.

Also, plan the things that you should carry and pack the required stuff. For example, if you plan to visit a much cooler place; better to carry some warm clothes to beat the chill. Check everything before you start your trip to avoid unnecessary quandary. Enjoy your trip with few tips and make it a wonderful experience.

Flooring Your Kitchen? Follow the New Trends

The older trends of constructing a house have left with the past year. The New Year here brings new trends and new ideas with new looks. And guess what? The new trends are also eco-friendly as well as cost effective.

Kitchens are no longer seen as gloomy and smeary places in the house. The new generation kitchens come with all the advanced features that make it look no inferior than a living room. In addition, with these new strategies of building kitchens, the flooring remains the major thing to be considered here.

Say good-bye to the classic kitchens, which used to be made of bamboo, cork or rubber. Welcome the eco friendly flooring which http://www.blogger.com/img/blank.gifalso helps you save your money amid crisis.

While many of them are turning back to hard wood flooring there are some who are using recycled linoleum flooring, and other types of flooring like stone, granite, rustic woods, etc.

Decreasing House Prices Increase Home Sales

This year will be great for real estate industry as it sees rise in home sales, with recession. The bad thing here for the industry is that it may not get good profits compared to the profits of boom times, just two years ago. Because, the main reason behind the increase in house sales is the decrease in prices.

Las Vegas is one of those cities where home sales have gone up with the decrease in home sale prices since one year. It is estimated that people can buy a home here for 28 percent lower price, compared to that of the price before one year. And this helped to increase the home sales by 15 percent.

I didn’t know why people are desperate about buying homes during these times. Unemployment rate in US is now 7.2 percent a higher number I have ever seen.

And people are not afraid of it!

This Is What I Call As ‘Entertaining News’

News Media has become more extensive in spreading news. This has become a big successful business rather than just a means to communicate news.

There are many big names struggling 25 hours a day to cover all the latest news and increase their profits or be in the top position.

And in all this process, some of them post News that really stinks. But they are OK (for those brands) because they make good profits. And we do have little entertainment from such news. They serve as a good source. We can laugh, we can gossip, we can chat and that is what I call a real entertainer.

An old woman will be struggling to get her cat come down a tree. We have some people come down from nowhere and shooting the process. They will not try to get that cat down the tree but will keep on shooting at the poor old woman wailing all the time and asking for help.

And that’s what I call a piece of Entertaining News, good for nothing, but make up News.

FBI Is Hiring: Record Level Openings Are Announced

While companies are on a lay off spree, FBI is rowing in opposite direction for the new President’s reign.

FBI has announced record level openings in their agency. People who are suffering from a lay-off have a chance to revitalize their career as a G-Man. But I think FBI has not announced any special reservations for lay-off people.

You can still try as there are as many as 850 special agent posts and 2100 support staff posts. What is exciting is that this time people can choose from different fields like Accounting, Finance, Nursing and Counseling, electrical engineering, auto mechanics and even physical and social sciences.

Though FBI recruits throughout the year, the number of job openings is very big compared to its job opening bulletins since 100 years.

But they gave a very short expiry date for the openings, i.e. 16^th January.

So hurry to avail the offer before it expires.

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Why Avoid 'Too Much' Of Anything and Everything?

The word “too much” in life is never appreciable, whether it is the case of a good thing or a bad one. Not on one topic, consider anything and you will find too much is hazardous. “Too much” has the power to turn a good thing to bad one.

• Too much food gets you obesity and many more diseases associated with it.
• Too much sleep makes you lazy and weakens your sleep system.
• Too much liking gets you addicted to it and is never recommended.
• Too much TV or video games dumps your life from many great things out there.
• Too much Coffee gets much caffeine induced into your system and pose health problems.
• Too much talking gives a person a loose-tongue image.
• Too much silence gives a person a timid-fellow image.
• Too much freedom leads to less control in life.
• Too much control leads to freedom less life and therefore a revolution.

The list above is just a sample of things which would be great if existed in a limit. There is nothing on earth which will be great if existed or done too much. If there is any such thing please let me know.