Series following mountaineer, author and producer Tom Weir, in his journey to Scotland to explore the landscape, natural history and the fulfillment of his people. In each program, Tom emerges in social history, physical geography and the life and times of people in the region - past and present, with a charm and courtesy, that Tom has become known for. In this episode Crawton, John Haven and Gourdon to visit.
Tuesday, November 30, 2010
Human Life Value
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Can any one put a price tag on human life? Is it possible to quantify the value of Human life?
Every human in this world is valuable and priceless to himself and his family. An attempt to quantify the value for human life may sound ridiculous.
But it becomes the foremost job of an underwriter to evaluate a human life in terms of money, in order to restrict the amount of insurance that can be provided to a person. Every person on this earth would like to insure himself for a maximum possible limit and it is the job of the insurance company to cut a line for this limit and all the more important is to safeguard from under-insurance problems, which countries like America are facing now.
Concept of Human Life Value:
Let us assume that a person purchases a car insurance of Rs.100000/- ($2500) for a car which is worth Rs.800000/- ($20000). The car meets with an accident and is totally damaged. Even if the insurance company honors his claim fully, he will get only Rs.100000 ($2500). With this amount will he be able to purchase the same car which he was having before the accident? The answer to this question would be 'No', because he has not insured his car for its gross worth. In simple terms, the car was not insured for what it was worth, but under-insured thereby defeating the "Principle of Indemnity".
Under-insurance at times leaves no trace of insurance when it fails to serve the purpose for what it was effected. In the same way insurance on Human Life should be sought keeping in mind, the financial loss that the family would suffer in the absence of this person and that should be the amount of insurance. Instead of buying Life insurance policies as a tool for reducing tax liability, provision for old age, to venture into stock markets on a small scale etc, it would make sense if insurance is sought from the angle of economic replacement of human life value.
Human Life Value concept was founded by Dr. Solomon S. Huebner, the founder of 'The American College of Life Underwriters', in the 1920's. HLV concept is used by various professionals like Underwriters, Courts, etc. for determining the economic value for a Human Life. For the victims of the 'Terrorist attack of September 11, 2001' on the twin towers, courts decided the amount of settlement based on this concept.
Insurance Companies use what is known as HUMAN LIFE VALUE concept for computing the economic value of a person to his family. The amount that the family would require to retain the same standard of living in the absence of a person will be his financial value to the family. On the contrary the financial loss of the family on the death of the person is his value to his family. This would be the maximum amount for which a person can seek insurance protection.
Basically, human life value is based on the individual's earning ability. It is the amount that the family will lose in his absence. By applying what is called as Human Life value concept, the amount of financial support given by the person to his family is determined.
Computation of Human Life value requires a detailed analysis of many factors. Some of them are -
1. Annual Income of the life
2. Balance of active earning period till retirement
3. Personal Expenses
4. Inflation
5. Future increase in salary, etc.
The first step towards computation of Human life value would be to determine the net annual income of the person after deducting the amount spent by him for his personal use like premium for insurance policies, maintenance expense, income tax, etc. This amount will be the amount that he affords to his family annually. The economic value of this life again depends on the length of his active earning period. Let us assume that the person is 25 years of age and his annual income after deducting all his personal and other expenses sums up to Rs.200,000 (around $5000). Assuming that he would continue with the existing job till his retirement up to an age of 55 years, then his income to his family will continue for 30 years, provided he survives till retirement. So, if he survives to his retirement, then the family would get Rs.200,000 for 30 years, ie. 200,000 * 30 = 6,000,000 ($150,000). This will be the amount that the family will lose on his premature death.
The value thus arrived would be the logical amount for which a person needs to insure himself, should he want his family to maintain the same status of living in his absence. But this again depends on his repaying capacity, that is his ability to pay premium for the Insurance policy for an amount of Rs.6,000,000 ($150,000), keeping in mind his present family requirements and circumstances.
Methods of HLV computation
Method - I: Income Replacement Value
This is one of the basic methods of insurance calculation and is based on current annual income.
Insurance needs = annual income * number of years left for retirement.
If the annual income is Rs.100000 ($2500) and the age is say 35 years. Assuming the retirement age as 60 years the balance years of service is 25 years.
Insurance value = 100000 * 25 = 25,00,000 lacs ($62500).
Method II: Fixed Multiplier
Another method of insurance calculation is by applying a fixed multiplier on the annual income. Multiplier based on the age of the individual.
Age range Multiplier
20 - 30 20
31 - 40 18
41 - 50 15
51 - 60 10
In the above example the insurance value would be 100000 * 18 = 1800000 lacs ($45000). If the age is say 52 yrs with an annual income 4 lacs ($10,000) the insurance value would be 400000 * 10 = 4000000 ($100,000).
Human Life Value (HLV)
This method of calculating life insurance is based on contribution that one makes and would have made to her/his family in case of sudden demise.
So HLV is defined as the present value of all future income. It also includes other fringe benefits, less personal expenses, life insurance premium and taxes.
Let's see this example for better understanding-
Age of 'X' : 40 yrs
Retirement age : 60 yrs
Current salary : 300000 per annum (expected to remain same)
Personal expenses : 125000
Net contribution to family : 175000 (300000 - 125000 )
Suppose 'X' dies at the age of 40.
Income lost by the family : 175000 * 20 yrs (60 - 40) * discount rate for 20 yrs
(Present value factor): 1900000
HLV calculation methods adopted by some leading Insurers:
ICICI Prudential Life :
HLV based on :
Age
Retirement Age
Financial Assets (TA)
Liabilities (TL)
Cash Inflows
% of increase in Income Flow (Assuming Fixed Int Rate)
Existing SA (SA)
Addl SA = CPRO + TL - TA - SA
CPRO - Capital Required to protect life style
MetLife - HLV Calculator :
HLV based on :
Current Age
Anticipated age of retirement
Annual Income
Annual Increase
Fringe benefits
Tax Bracket/Rate
Monthly Expenses (Self)
Investment Return Rate
Current Life Insurance
The human life value estimated through either of the above process LESS the current in-force sum insured gives the additional insurance amount that has to be taken by the person to provide for his/her future needs and for his/her family in case of his/her unfortunate demise.
Lessons in life from death
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Life is good at teaching us lessons - they keep you going when things become easy.
As many of you, I called my mother in May to wish her a happy Mother's Day. She said she had a cold that would not just go away. She had finally been to the doctor about it and ran some tests. Four days later we found out he had cancer of the liver. My mother died in two weeks.
I still can not believe it really is gone - it happened so fast. But that's the way life issometimes, and sometimes it takes to drive a big shock for a few hours to get home. Think about your life, as I with some of the lessons I will learn.
Wait no life. My mother was the most challenging I have ever known. He put in at least 50 hours per week and more every Saturday and worked on some Sundays. She was an accountant and a perfectionist. Each of them, work began this month. There was always working out more. His boss was a good guy - he used toencourage them not to work hard, but my mother was type A, which would have done better. Sound familiar?
He was 65 when he died. Remember that retirement in the big sky - it would make all travel, all the free time finally, after years of work have been exhausted at rest. You have to live now - make the trip this year - to stop and enjoy life now - why not always.
Know what brings joy. My mother had to work hard and asThe victims of their own needs for others. He always put himself second. I do not think she has found joy - I thought that was kind of selfish pleasure. It 'been too restrictive as they themselves held. You know what brings you joy?
Perhaps that is doing things for others, but must be without the prospect of a return, just for the sheer joy of giving. If you have expectations, you have links for your gifts. And your happiness depends on the reaction of the recipient.What brings me joy is changing with each new adventure that I have. Firestar me great joy. Nature brings me joy. My wonderful friends bring me joy. Spray on my yogurt fills me with joy! What brings you joy? They bask in it? He throws his head back and laughs, throwing her arms and embrace life - will be over soon too.
Allowing people to approach you. My mother was very independent and autonomous. She did not want any of the charges. At his funeral many of his friends have told ushow they do the things I tried - they go to doctor visits, etc. and would never disappoint them. This was a chance for them to approach her, and they were so sad that they do not do more. Their passing made me realize that I can be very similar to them and the people at a distance. I need to work hard to change that.
There are things that you in your parents do? We tend to their designs without even thinking about it again. It is not too lateChange - but do it now. You will not be grieved for all those people at your funeral the missed opportunity to be close to you.
It is possible that someone you love. My parents divorced when I was in my youth. I remember all the hundreds of ways my mother tried to hang on my father. It 'was an impossible task - we all have at one time or another attempt in our lives. We believe that if we just give more, better, work harder - that special person you love. Unfortunately, it issimply does not. You simply can not make another person love, you are loyal, or staying married. All you can do is your best and if you choose, you must let go. You must choose for yourself and your life so great and wonderful as can be. Twenty years after the divorce, my mother was still bitter. I would like to have them all, the pain may go. It gave her joy.
If you hire someone from your past that you have pain? Ifnot want to be with you - let her go! You deserve someone who wants to be with you who you are - not for pity or guilt, or because it was sacrificed in order to make them happy. The past is the past - take your power and your joy and live in the present. Take care of your health - at the moment. Americans work more hours than any other nation - we have now surpassed the Japanese. Take less vacation and we are constantly checked voice mail and e-mail. We never stop. My motherliterally working himself to death - is never sick a day and pushed to the limit for over 40 years. Nobody can take that in the long term. Professional athletes have an off-season, they know their body needs time to recover. For most of us, is never out of season - the constant stress is a way of life.
You have to change that, even now. Take a vacation and to fully resolve the office. The company will not collapse without you. And you will bemore productive when you return. You must create a regular exercise into your schedule. Too busy? Or too lazy? 20-minute walk every day can make a big difference in the quality of your life -. Your health is the foundation for everything you have and '?
I learned that life, many other lessons from my mom and her death. Sometimes we only learn the knowledge of pain. is some pain in your life when you can not learn? If you findlessons, helping easily your suffering. Thank you for taking the time to write these lessons with me.
Monday, November 29, 2010
Obama SINGS Kick Ass song!
Obama has declared his intention to enter someone's ass if the determination of specific kick your ass in order to request an Executive Task Force. The aggression that the statement is all the more striking for its delivery as a dark, menacing hip-hop single. Sarah Gregory and Matt Lauer interview, voice and contribute know-how. Original Today Show Interview: today.msnbc.msn.com by Gregory Brothers Release date: youtube www.thegregorybrothers.com www.twitter.com www.youtube.com www.facebook.comLyrics: I speak with experts in order to connect the ass, so I know that ass ki-i-ick Me too - so I connect to the ass you know, when it comes to near tears fishermen know not to get frustrated is an idea that we'd be happy evaulated vent - Holler and I'd like to write but my main task is to solve the problem, and this happens, you find that they have no idea what you 're doin We have only Movin On, Keep Movin pushing and we will get throughPeople are excited and have every right to the best possible service will be of my ass kickin If it's the last thing I do, I have to get into a donkey BP This will be very, very difficult task Chorus Mr. T / Expert Chuck Norris / Bruce Lee expert / expert Bruce Willis / Betty White Expert / Expert Al Pacino experts Tinky Winky ............... Expert Jack Bauer / Jackie Chan / Expert Darth Vader / expert Peter Pan Expert / Genghis Khan / Batman Expert / Expert Lollipop GUIIIIIIIIILD/ Ya ...
California Life Insurance
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The typical way that most people buy term life insurance is all that consultants can find a good financial reputation, discuss their specific needs and then the financial advisor "shops of different carriers to find hope the expensive, but comprehensive term life insurance to protect content at least, most of your family should your unexpected death should happen. Normally, when the vehicle is purchased through financial advisers, the position ofInsurance does not have a role in the purchasing decision. What matters is that the insurer has an "A" is evaluated and that their content and long-term care policy to suit your financial needs and lifestyle. However, it is insured by a company in Boston, for example, if you live in California you can not reap the benefits that are specific to your condition. Now there is a specific term life insurance offers California residents.
A complexState
Whether you reside in California or a new life they have lived here all of you, we understand the complexity of the state and lifestyles. Just as California is in itself complex and the complexity of people, different types of term life insurance is just as amazing. The best thing to do to find life on a financial advisor for companies in a position to assess the offer of the word CaliforniaInsurance.
California Term Life Insurance Laws and Regulations
Every state has laws are very specific term life insurance and regulations. Some of California's laws and regulations are those who buy insurance will receive a minimum of ten days to change your mind and receive a full refund of all your life insurance premiums for a period under a. Ten days is minimum, but many companies will give you a month (or 30 days) to change his mind.This right of return, those who have decided to uncertainty about their policies for a free trial period or time to shop, to think the best policy for their needs.
In addition to a free trial period, all benefits in term life insurance death California should be filed within 30 days after the test is given to the company, the insurance company. If carriers take more than 30 days to pay the benefits, the nominal interest rate, which also would be paid byBeneficiaries.
Third, the insured receives a probationary period of 30 days for late payments. This is particularly advantageous for the insured person because of concerns about their California term life insurance should not be erased simply forgot to pay. The grace period gives you peace of mind that your policy will not be terminated without notice.
Finally, even if your insurance company authorized to file for bankruptcy or close down because of claims that under hisLiabilities, California Life and Health Insurance Guarantee Association will compensate for the lost when its policy is. Reimbursement for a single death can the insured person or $ 250,000 for $ 100,000 in net cash. These limits also apply when more than a single policy is required.
A), guaranteed compensation under the California Life and Health Insurance Guarantee Association (CALIFEGA, your insurer must be authorizedCalifornia and the payment of the policy must be current.
California Life Insurance laws also protect the insurance
Since the laws do not only go one way, there are also laws that protect California insurance companies. Those who their California term life insurance policy, these rules.
First, long-term policies of life insurance do not cover suicide California for the first two reporting years. If the insured person to commit suicide,Send support to beneficiaries with a 100% refund of all premiums were paid during the period of two years.
Second, term life insurance companies can deny coverage of California, if the applicant fails to recognize his or makes fraudulent statements on his application. Carriers may or may not return to pay the premiums on a policy, if this is the case. This right is left for each company.
Third, while the projected non-financial (insurance or illustrations) are in other approvedMember is legal in California. The financial projections are regulated by state insurance department.
It is wise to see that living in California if the state of California with a term life insurance is more favorable with a change of policy in a casual way, as written by a company in
10 principles to live life without regrets
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Nobody is perfect. We all do things that we learn that we want to change or the desire to have.
Each of us find ourselves in situations where we want it handled differently, done better, or said that I respect.
If you are in these situations, you must learn to take it to the wisdom and knowledge, this will help you move to the next level in your life positive.
The lessons we can from these situations, it isin various aspects of your being, above all, to grow spiritually, mentally and emotionally.
The main thing to remember when you are in situations that you want to change you wish, or rather, one must learn to live a life without regrets. If you regret what happened to your life, reduction of the person you are.
My friend, Tracy Leland Jones has helped me to realize this important lesson in life. He was killed in June 2006. But two monthsbefore his death, he told me that his life was good, and does not regret anything.
I am glad that I have the opportunity to speak to have had with him. As I put in mourning his loss, his words of comfort to me to know that an actor has enjoyed the life lived (ie, entrepreneurial spirit, dedication, love of his life, fatherhood, to be his daughter, who was the pride of life and successful career as a comedian). Moreover, his words inspired me to learnlive my life without regrets.
But how can this happen? When I thought about this question, I realized that I was not the only one who should apologize to learn to live without life. I'm not the only one who will repent of concrete strategies to ensure that I live my life without it.
regret after the Merriam-Webster Dictionary, is "very sorry". Then in my life I have very "sorry" about the things I've done or things that can happenI only later to appreciate the things I regret, because they have helped to make me regret who I am, I wondered how we could stay without the right path towards life to live.
Looking back at my last conversation with Tracy, I realized that he was sorry, left me with a plan to live without my life.
Based on the life that I noticed that Tracy was life and the insight that he shared with me, you will find an array of strategies thatCreated regret to have to help with the journey of life without life:
1 medium) Apologize and move on;
2) It is estimated that you have your ups and downs;
3) How do you get to know better, do better;
4) Be honest with yourself;
5) Being able to rely on someone else;
6) Dare to Dream and live your dreams;
7) Do not fear from your life;
8) You laugh more than cry and compliment you complain;
9) treat othersWant to be treated, and
10) Walking by faith.
I know you think that the lives of some really terrible things happened to you in - you could go back and change - if you want things. Trust me, I can mention only a few in my life too!
But to regret what has happened to you means that you share in a holding pattern, where you can not enter into the blessings through the thing that stuck with regret were given taste.
The 10 strategies presented inThis item can go in the right direction to live your life without regrets.
I'm going to regret these strategies to live my life without - as did Tracy. I ask you to join me in doing the same.
Sunday, November 28, 2010
Whole Life Insurance - good investment
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Life insurance good investment alternative to low quality or investment? A whole life policy is an investment, to grow and mature. This is just a personal investment that can help with your financial portfolio.
You have two payment options when it comes to life in general to be paid at the age of 100 years, or pay more payments in a short time. If you have a good income at a young age, this is a good option. It is especially useful when you know you have alow income, reaching retirement age and you have to borrow or use.
If we consider for the future, invest your help to you if you compare life. If your assets to build good that you can take a loan.
In the case of a premature death of a person that others see is an investment for life, all others pay more. This is an important but not the only reasonjust a whole life policy. They are not only the money for investment and the other when you pass away, but also the money that you can use if you need to focus it.
Retirement options are generally not covered by any policy of life research, because most people think only of how much money is left for others. If people pay their bills, they tend to forget they will need money if you do not work or may not want to work. ComparisonThe savings accounts to pay for a policy is to save a lot easier because you have to really think before you take money from political life.
If you need the loan matures, because all life is something you invest in this, you can get a loan against the cash value. Using the money is yours, so you do not pay interest to someone else, and this will have to pay again. Because emergencies happen, sometimes it's worth having this option, althoughThis reduces your investment.
the most compelling reasons for its policy of investing in a life Some are:
Your rate remains consistent
If you need a loan you can pay back
Your investment grows in value
Cash value of life in your plan of maturation, all politics 100
Recipients can tax benefits, because the investment
Investments are everywhere. Knowing the answer to the question of life, "allInsurance, good investment may be "the key to a carefree investment. The whole life policy to help behind may be successful and contribute to life. Reviewing all that is available and a conscious decision to be the best your money management.
Funny People, In The Loop & Thirst: Rotten Tomatoes Vista
In this episode of The Rotten Tomatoes Show Host Ellen and Brett Erlich night with Fox to Lead "Funny People", "In The Loop" and "Thirst," by Charlene Yi Paper Heart shares his five favorite movies, and half that you want Secret for government agencies. Rotten Tomatoes The show is now a part of Infomania, Current TV on Thursday at 11/10c
Life Insurance - Basics
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What is life insurance? It is a sort of contract between you and your insurer. Under the agreement, you pay the insurance payments, called premiums each month (or annually, depending on the contract) and if you go, who's in your policy, the speech will be able to claim the money.
Life insurance is the most expensive type of insurance. According to statistics, people buy almost a million lives every insuranceWeek. Those who purchase this product, they know less about him than anything else they buy. Some might think it's a product that everyone needs. In fact, it is not right.
Why do we need life insurance? Here are some examples that answer the question.
Life insurance is for food, whose death would reflect other financial results. You are single and have little or no debt, it is likely that only looks at the cost of the final cost of your funeral.
Well, if you have insurance, a decision that you really need life to be a further step, you choose the policies that you need. There are five basic types of life insurance:
- Life insurance
- Whole Life Insurance
- Universal Life Insurance
- Unit-Linked Life Insurance
- Variable Universal Life Insurance
What is the difference between them? Here are brief definitions of each type.
Deadline> Life insurance is the cheapest form of reporting. You can bye every year or for a special time. If you die during the period, your heirs will receive money, but if you're still alive when your policy expires, you lose money if you renew for the additional period.
Whole Life Insurance is the most traditional. The prize remains the same for the duration of the policy. A savings component, called cash value or the value of mortgage lending declined over time and can be used for the wealthAccumulation.
Universal Life Insurance offers some flexibility. You can change the premium. However, you pay higher taxes for such flexibility.
Unit-linked life insurance may be a larger cash reserve, though not guaranteed to be greater and losses are possible.
Variable Universal Life Insurance is a combination of life insurance and universal. The insurance has a 'tax deferred growth of cash value is variable inTime and allows you to borrow against them. VUL policies allow the policyholder to decide how the premiums are invested. This means that the present value of the policy and death benefit may vary with the performance of the structures that the insured has chosen.
How can you select the right kind of insurance?
The best advice is to trust the agent you hire. A competent staff will take into account your current and any future needs you and help youDecision.
Saturday, November 27, 2010
Write your life story - Tips and Techniques for Success
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Once a luxury of the rich and famous, the technology is the first time in history has made it possible for everyone to capture, retain and share their stories of life more precious. With the advent of computers, internet, digital photography, video and audio, anyone can record the stories of the wealth and quality of their lives. These are personal stories, friends and future generations will be appreciated by the family.
Today, it is easily possible to the art of mixingtraditional biography and memoirs with powerful new technologies in a new form of narrative of individual life. Personal life story of personal life stories are satisfactorily managed a. And as the interactive capabilities of multimedia computers and Internet, craft a personal story of life and can not in all-round and rich biography in a way that memories or impossible to achieve in plain text. But above all, personal lifeImportant to preserve individual stories and family stories. And if done properly, will last for generations.
In this article discover how to use the story of ancient life writing techniques, including the latest technology for a story that is uniquely "you."
The art of life the traditional story format
For those interested in creating their own story in his autobiography, memoirs or personal life, it is importantUnderstanding the differences between these forms of narration of his own life story. In excess generalize for a moment, is an autobiography, more fact-based, while a card is more based on emotions.
Autobiographies written by the subject, sometimes in collaboration with another writer. autobiographical works take many forms, ranging from intimate writings made during this life necessarily intended for publication (not including letters, diaries, journals, memoirs andMemories), the formal autobiography. It is interesting to note that the format is not necessarily true autobiography. It can also be a history of literary fiction.
Memoirs are a form of personal memory that has gained huge popularity in recent times. I remember the memories often more subjective, like memories, feelings and emotions and are usually in terms of first-person writing fire. Memory is often specific to the collection meaningful and targeted HighlightsMoments.
His memoirs, schedule, Gore Vidal writes that "it is a memoir recalls how a life of its own, while an autobiography is history, requiring research, dates, facts double-checked."
Memories usually in a short period of time or series of related events (autobiography covers a longer period of time) to focus. In a statement, the writer is usually retrospective, and considering the past events. Memoirs should also learn the techniques of narrative as the recruitment,Plot, conflict, character development, anticipating, flashback, irony and symbolism. And, finally, writing a memoir often has a therapeutic effect for the writer.
Oral History Recordings
An oral history is a verbatim transcript of an interview, left on the narrator's exact words. These are usually left in a question-answer style and are an economical way to preserve family stories. A recording of a high quality microphone and a quiet place free ofThe breaks are all that is really necessary to capture an oral history. It helps to prepare questions in advance of the interview.
Oral history is usually recorded with analog tape or digital recording, but you can also record directly into a personal computer. oral histories are often transcribed (typed or word processed) in a document format. The style is known for its beautiful relaxed ease.
Precautions: recording formats andThe standards are evolving and may be difficult or even impossible to play when the obsolete equipment. Taped recordings for a period of time.
History Video Recordings
Do-it-yourself: a basic level, it is easy and fun to create a basic story of the video. Cameras are relatively cheap, and many computers now come with basic editing software. Capture video of a good story divides all the same conditions of an audio recording: a quietPlace, with questions prepared in advance. In addition, you want a light background, flattering lighting and casual wear in order to improve the quality of the final product. white shirts, pants and dresses not, for example, show up well on video. It has also allowed to distract the models employed. Images of solid light, neutral or pastel are generally safe.
Professional videographer: A large number of companies specialized in producing professional video productions history of life.Productions can range from 10 to 15 minutes to an hour or more short mini-movie, complete with titles, music and other effects in Hollywood. Of course, there will be more money for a professional production as an effort at home.
When you select a professional all the major consumers smart tips. Ask for references. Ask to see samples of previous work. Get all costs, production times and commitments in writing. It is wonderful films are a single person or family. Ifwell done, they often have entertainment value and are ideal for special occasions.
How can change in the sound recordings over the degradation time formats and media, even with proper storage methods: a preliminary
The integration of art and technology: Web-Based Personal life stories
Especially in recent years, the Web has created stories as a powerful new way to create and share life. On the web is not only possible, it is nice and easyto create a multimedia story with text, photos, audio and video. This is the new format of the history of personal life.
Web-based personal stories of life to enjoy some advantages over paper-based publications, audio, video, CD or life stories. In particular, Web-based publication is updated, new information is possible at any time. E 'can be easily shared with friends or family. The sites offer opportunities for the most advanced privacy and security. L 'Web and multimedia, so you can text, photos, audio and video to add. Photos, go audio, video never lost damaged, destroyed. Finally, many websites offer on-demand printing, so you can instantly create books. Books can be printed on your home printer, or sent to small publishers. If you choose the small-run, be sure to give the paper of archival quality.
One of the biggest advantages of web publishing is the ability to build a community around similar interests,Professions, backgrounds or life events. For example, do a pilot veteran of World War II, its places of history for the Web and available to the public lost friends, other veterans, students, historians, museum staff, or others this crucial chapter in American history have long concerned may be contacted.
Why create your own personal life story?
Mark Twain once said: "There has never been a very interesting life .. then something is impossible Insideall, is a drama, a comedy, a tragedy. "
A history of personal life may be shorter than a few pages, or several volumes long. Whatever the length or medium, requires some thought and, sometimes, make a lot of work. But it's worth the work because it is the ability to influence generations to come. Your personal history can leave an inheritance for your children and grandchildren. As for memories, personal history, you might considerDay and reflect on your life until the present. This allows you to add your story to the larger historical record of your family, town and country. And finally, if not, then who?
It begins with a chronology of the life chapters
How to start a longer life to tell the story of a, 60 may, for 70 or 80 years? E 'life events often useful to create a chronological timeline of the important in yours. It helps to jot down some notes keyStages in your life. In fact, you can already imagine the consequences of living your life like a book with the most important chapters built around very separate.
Of course, everyone's life do not follow a chronological order the same, but here are some ideas for the titles of the chapters of your book or story. GreatLifeStories.com chapter used stories to "organize the following foods:
Its beginnings or
In your neighborhood or
school orDays
or work
O romance and marriage
or War and Peace
O triumphs and tragedies
Words of Wisdom or
O Humor
Or words of thanks
The chapter is very flexible. For example, you do not have on young people, your life story begins with the day of your birth e. Perhaps you've had a fascinating experience during the war. As a movie, you could open that your life story "scene", then tell the story of how you arrived there.
AfterHave an idea for the "flow" of the story, here are some more specific guidelines that will add color, texture and authenticity:
Only the starting point! A mind dump. Get it out of my head and on paper, computer, recorder, you name it. Do not worry about how it sounds. Just write. Resist the temptation to self-edit, it's time to change it.
Be yourself. Do not worry if your grammar or spelling is not perfect. Sendas if you say it.
Honesty is everything. The writing says more about how it happened.
Include humor. 'S jokes, stories, anecdotes
Details, details, details. What kind of floor has a kitchen have? What color was wearing a veil when he first met?
Go to a leisurely pace. Do not try to capture in writing to a life of extravagance in a single session. Write to allow time to reflect and go back to writing.
Consult with others. Relatives and friends can be valuable interpretation of the facts and sources.
Use your images in a push. Tip set of photos in a timeline of your life, based on the last day, and moved by the turbulence. Write or record your visual storyboard
Look for topics in your life. The themes are broad ideas that life is a central role in yours. You wanted to be a racing driver of all time? APreacher? Owner of a restaurant? Be a farmer? It tells the story of how you reached your goal, or how this objective will be changed to something else entirely unexpected.
Here are just a couple of other life history thematic possibilities: a. The spiritual quest b. C. Confession The trip d. The portrait e. The Board of humor fg Family history of The Road to Recovery hij War Romance Story
Another option: hire a professional
Most of this article has focused onCreating-it-yourself personal life story Do. There are of course the possibility of working with a professional. The right professional writer or videographer is a highly skilled interviewer and the right tools and equipment. And, believe it or not, sometimes it's easier to open up someone in front of a stranger, rather than before a family member.
There are many ways to work with writers and cameramen. However, there are a number of similarities intogether. The writer / cameraman often:
1) meets with you to determine the extent and cost of the project.
2) The rule is intended recorded interview sessions. Depending on your goals, these one or two hours, or 10, 20 hours or more.
3) The recording will be transcribed and edited with your input and advice
4) Once a final script / film is in agreement, can be sent for printing or copying.
5) For books, experts advise personal archive historyBonds and acid-free paper for longevity
6) You get the number of books / movies agreed in the contract.
7) Be sure to discuss services, fees and final products in advance, and get all agreements in writing.
Thanks to high technology, collecting art and the preservation of the stories of his life is now before you open to more people and easier than ever. A new kind of personal stories that are created based on the literary tradition ofAutobiography and memoirs, audio, video and web technology to build the addition, personal life stories. On the Web, personal stories, personal stories, these media, in collaboration, shared, and updated immediately.
Enjoy capturing your life story!
References and Further Reading
Web sites:
http://www.greatlifestories.com
Associations:
The Association of PersonalHistorian is a member of the 600 + professional historians, personal life stories to create in all formats: text, audio, video. http://www.personalhistorians.org
As for books:
There are many good books of history full of different approaches and tips for writing a personal life just like this. Here's more:
Daniel, Lios, how to write your own life story
Rainer, Tristin, your life as the history books
Roorbach, Bill,Writing Life Stories
Life insurance after retirement
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Most of us thought that only need to buy a large life insurance for life for adults, we were to enter our. We wanted to protect our children and spouse, if you must go on. We had to cover probable loan of a large, and we also had plans for the education of our children. The policy would expire after a few decades, but that was fine because we made our commitments in the program at this time and we are too big for our need for relationships. However,things do not always pan as we planned, and now, in middle age or old age, we realize that we still have a policy of life insurance.
The good news is that people can expect to live longer, and more than a decade earlier. Since live long enough for our policy term expires, we can expect to live longer! However, we can not survive our need to cover. Top insurers recognize that how people live and work longer, canmeasures still need to buy at a later age. Prices have fallen, and insurance companies are developing strategies that can be issued to more elderly people.
At 65, in a correct medical term can still buy. They may not be able to find a policy term of 30 years, but you can find the policy 10 years at affordable prices. Perhaps the extra 10 years will be enough to pay off a mortgage or extended to children leaving home. Many term policies do not require a medical examination, but the requirements varyAge and health of the applicant, and the amount of credit life insurance. In fact, if you're healthy, you can find lower premiums if you have time for a medical examination to take.
When an elderly person has some serious health problems, or have no expiration date of coverage is that it can be a whole life insurance. Sometimes these are called the final policy, and are designed for almost all elderly persons have been issued, sometimes toto 85 years! Simplified issue policies only to ask some questions about health, and usually accept all applicants who are not terminally ill and not have to live in a nursing home. policy issue: to accept anyone who can pay the premium, although they usually cost a little 'more for the same range of simplified issue policy. Another problem with the issuance policy that is guaranteed is usually a waiting period before the full death benefit is paid. Sometimes theWait 2 or 3 years, and that should be used in place of the signing of health to qualify applicants. So if you consider the high level of political life, trying to qualify for the simplified issue, instead of the issue: if you are. But the politics of the issue: usually refund of all premiums with interest, although the waiting time was not met paid. Thus, for an elderly person can not find other insurance, there is still a good deal.
Numerology - Life Challenge Number
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In numerology, the use numerologists 3 individual numbers to the challenges of life. These numbers represent the interpretations of the barriers, obstacles and difficulties that will face your life at certain stages.
The first number is the Early Challenge number. It represents the difficulties you face in your life, the first 28 years.
The second number is the number of Middle Challenge. It represents the difficulties in the second face 28Years of your life.
The third number is the greatest challenge. He stressed the difficulties that your life might encounter in the second half of des The biggest challenge is the number of chronic obstacles that face all my life.
The biggest challenge number is used as the most dominant of all the numbers challenge. It takes precedence over the other two numbers because there are obstacles that can come from within you. E 'known as "theDevil ", which could fight with all your life. It 's the question that was burning inside you that you hope you die a response before you.
The Early Challenge number is less influential. The data about the issues that are more situational or episodic problems. There are problems that can arise in circumstances or your parents. These problems usually appear as the child matures and enters the middle years of their life cycle.
The MiddleNumber also challenge a number that depends on the situation and usually represents the condition of the people around you. It may also represent behavioral problems and issues that are beyond your control.
Now for the calculation of your numbers Challenge, the first year, you reduce your day, month and the number of life of a train on site. For the correct calculation of your Challenge numbers is necessary to reduce all the numbers on a single digit, even the masters of the number 11 and 22.
For example, myBirthday is 14/04/1973
Month: 4
Day: 1 +5 = 6
Year: 1 7 9 30-20 2 +0 = 2
Calculate Your Numbers Challenge is unlike any other in numerology, this calculation for a total of day, month and year numbers. Eash treat them like their own number.
Challenge children to calculate the number, subtract the number of months and days of each other difference is the number of your initial challenge.
In my case, my 4 monthsand my day is 6
6-4 = 2
My Early Challenge number would be a second
Next go to your Middle Challenge number calculated to do this, find the difference between day and dates.
In my case, my day is 6 and my year is 2
6-2 = 4
My second issue is challenging quarter
Do not think you did something wrong when you get a 0 as a result of this calculation. In particular, this calculation is rare, but possible. It is an interpretationfor this rare number.
And finally, to give you the greatest challenge number to go to subtract the number of your childhood Challenge Middle Life Challenge Number.
So I would like, 4-2 = 2
My main number for Life Challenge is a second
If you end up with the same more than once, as in my case, it could mean that it has twice the impact in your life.
If you are an early challenge number and the same average number Challengethen you could say that your problems can dominate all of your childhood years. It can also mean that there were some problems that made you out of your control.
If the average number Challenge number is the same as your biggest challenge could mean that most of the problems were made by adults. If you read the interpretation of this series and give you instructions on when you are your own worst enemy.
If all three numbers are equal, then it is safe to say that your starsWho hard work that you learn a lesson in life occur because of problems everywhere you go.
Here are the interpretations for Your Life Challenge numbers. The interpretations of the same numbers used for the Early, Middle and Main Life Challenge.
Life Challenge Number 0
People with a challenge number 0 can generally feel
they will be confronted with the difficulties seem
inexorable and from all directions. Usually peoplethat
Zeros are very demanding mentally and thought
have the capacity of all the other numbers. But they
problems to make the final decision and stick with
them. In the spring of this life can manifest as difficult or
childhood abuse. As an adult, you can overcome great
Obstacles to succeed.
Life Challenge Number 1
People with a number of challenges of life each one may feel as if
Dreams and ambitions,she is frustrated by the unfair
Circumstances. Bitterness, defensiveness and blame others
can become a chronic problem.
Usually this is due to be too pushy or aggressive. Although
They are not unreliable or unpredictable, others may perceive
E 'of this. A gentle touch and a well-targeted, methodical plan
can help you achieve your goals. Self-sabotage Diving
first blind.
Number Life Challenge Number 2
The challenges presented by a Number two is unusual
and the tendency to self-centeredness. It can be difficult
You agree that you are not the center of the
Universe. In your first year your lack of ambition, status
need for awareness and approval from others can be
have a poor self-image. In adult life as a couple are very sensitive
to codependency, addiction and relationships difficult, if
can not learn to let go of their resentment and blame.
> Life Challenge # 3
This is a time in your life when you can find
is difficult because of emotional or mental focus
Discomfort or boredom. Your attention may
spread and may even suffer from shyness. You can
have a great imagination or talent, but has problems
Express. Childhood can lead to frustration
and introversion. In your adult life you may come off as too
arrogant orEccentric to be taken seriously by anyone.
Life Challenge Number 4
This number is often indicated a difficulty in finding
Employment or a career to remember. You can simply do not feel
such as work or suffering from illness or disability that
prevents you from working. In your first year your
May be able to learn through physical or cut
Goods. In adulthood, it can become a
irresponsible or impractical individualcan not be trusted.
Life Challenge Number 5
This number usually defines a character that is unreasonable,
indecisive and easily irritated. You have an impulsive nature
and often in trouble because you do not see the situation
Consequences of your actions in advance. In your early years, this may be an incomplete form or do a series of
False starts his career. As an adult, the challenges are seen as
the inability to make decisions in an acting schooltoo
emotional than logical.
Life Challenge Number 6
They can be a perfectionist and standards established for himself and his
others that are impossible to satisfy. You can come out as much
other arrogant, controlling, and challenging. Like a child
You can seriously have thick horns with multiple authorities
Figures. As an adult, you can visit many disturbing
relations because of its refusal to recognize that
others are entitled to their opinionto see. Its rigidity
could lead to an obsessive compulsive like.
Life Challenge Number 7
This issue has to do with big problems
Emotions. During this period of your life you may feel as if
We must suppress your feelings, to survive. As
Child can lead to introversion, obsession and a projection
complete withdrawal from reality. As an adult, you may suffer
chronic negative thoughts and to expressby
Constant complaining or criticism from others. Many Sevens
Hypochondriac or disease occurs as a result of the oppressed
Anger or sadness.
Life Challenge Number 8
A number 8 challenge indicates a kind of superficiality and
Greed. Themselves and others could be defined by their appearance,
The amount of money and possessions they have. As
You child may have been intelligent, manipulative and insistent on
with your way. As an adult, you canTo pursue
Money, power and status, the exclusion of all other
Things. These can be expensive to come in the form of reports,
Family and friends.
Friday, November 26, 2010
10 reasons why a person needs life insurance
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The insurance is designed to protect a person and the family in case of disasters and financial burdens. There are many types of insurance, of which the most important life insurance and the base is to be. He sees the family after your death.
As incomes have certain financial obligations must be met throughout the family life and contribute in any way, you have to provide something to death - to secure the home to help families meet theThe costs for a while, 'protect dependent parents, or secure the children or spouse.
Financial obligations could be funeral expenses, unsettled medical bills, mortgages, business commitments, meeting the college expenses of children, and so on.
How much the insurance needs of a person, depending on lifestyle, financial needs and sources of income, debt and the number of members? An insurance adviser or agent would recommend that you have insurance, which amounts tofifty-five nine times your annual income. And 'better, with our experts and go through the reasons why you think insurance should be and what kind of insurance plan benefits.
As an important part of your financial plan insurance provides security for the uncertainties of life.
Life insurance correctly planned will be the first life assurance funds to deal with mortgage loans, and living expenses. It provides protection for your familyleave behind and serves as a source of cash.
2. It secures your hard earned assets used for the death of tax money to be able to bridge the real estate and inheritance tax and to pay personal and business expenses.
Life insurance can be a third or a component that provides retirement savings for retirement.
4. Some measures have riders like coverage of critical illness or long-term care facilities for children or spouse. There are certain rules of eligibilityfor the drivers, you need to determine clearly.
5. After an insurance policy valid in financial assets that the credit rating if you have health insurance or a mortgage or business loan considered improved.
6. In case of failure, the benefits of cash value and death of an insurance policy is exempt creditors.
Seventh costs of life insurance can be planned to cover that is also your funeral.
Eighth term life insurance is doubleBenefits, it protects and you can get your money in strategic areas of your life.
9. Insurance protects your business against losses or liabilities if one partner dies.
10. You can contribute to the maintenance of a family died when suddenly contribute lifestyle partners.
Insurance is essential for good financial planning and security, but you would need to assess the personal risks and long-term commitments. Insurance is aPerson for life and are eligible for loans or used, emergencies during a life cycle of a withdrawal request from.
Life Insurance and the implications
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Every life insurance, although there is no uniform national formulation contains provisions which in one way or another, the Guidelines in all areas of life insurance that "content" of the policy to which they are able. Al There are two main types of options available to purchasers of most insurance policies: dividend options and settlement. This may be called "options". Finally, there are some terms which may or may not be appropriateLife Insurance.
The first page of the policy is usually a declaration of real security agreement between the company and the insured. payee name often given on the front page and explain the policy, that the provisions are all part of the contract. The premium payable for every quarter or every year, can be given on the first page as well. The page concludes with the signatures of company officials,have the right to sign contracts and insurance documents. These officers are usually the President, the Secretary and the Chancellor. After this summary of the contract, the general provisions of the Directive. Some terms that follow are the circumstances, including suicide, non-repudiation, proof of age, the delay clause, net of debt, tasks, and so on. There is much to read and remember a lot. While many of these terms and conditions seem similar, it is to be decisivefully informed of all policies. Ultimately, you want to choose the best life insurance.
When it comes to life insurance, annuities, this is the true insurance. E 'insurance against living too long, in other words, to survive a person's ability to provide an income for themselves. Basically, an annuity is a periodic payment by the company in exchange for her receiving a sum of money, the prize of the pensioner or another, the payment the award on behalf of pensioners.
There are basically three ways to buy an annuity, the premium method, the method of the annual premium or the use of the proceeds of an insurance policy life situations in which the person has accumulated a large fund to buy an annuity with a single lump sum less common than one person in the first years of life, embarks on a systematic method for the purchase of an annuity through annual payments to a> Life Insurance Company. An important settlement of options contracts offered by life insurance the most part, the income of life. This is often the best solution to the problem of the continued support of beneficiaries. In relation to the start date of benefits beginning, annuities can be immediate or deferred.
All in all, considering the amount of time you put into reading all the fine print and how many different policies you may haveto go through to find the right one, it tends to get overwhelming. Sometimes it's better to try an easier way, as in-line Zoloft without a doctor. Some insurance companies today can still qualify and register in just minutes, provided you have enough credit. Whatever your choice, make sure you are satisfied with it, as the issue is not joking, it's about your life and protect your loved ones.
Careers and Numerology-finding the right job for your life path
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Do you love your career, what you feel like you're born to do, or feel depressed about your job? Most of us really struggle to find the right career choice. We are looking for a couple of things, sometimes at the suggestion of friends and relatives, but nothing seems to really inspire us. Numerology can help.
People with a way of life more certain careers are drawn to certain species. Calculating the life cycle of your number, you can determine what type of jobsis the best fit for you. And how many spiritual paths suggest, the secret of happiness and success in your job is to do what you love.
Life Path Calculation
Your life is your primary number in numerology. It is equivalent to your Sun Sign in astrology. Calculate your life by adding all the digits of your date of birth, and then repeat the process until you get one point. This process is called out fadic.Born For example, actor Orlando Bloom, 1977 and January 13 is his life, then A (2), as shown below.
01-13-1977 = (0 + 1 + 1 + 3 + 1 + 9 + 7 + 7) = (29) = (2 + 9) = (11) = (1 + 1) = (2)
Life Path (1) - Leaders
People with this life have enormous creativity and leadership. They are attracted to careers: technology, design, fashion, journalism, the stage, and the film industry.
Life Path (2) -Cooperators
People with this life and be happy in the service of others. They are attracted to a career in: Government, both local and national, social work, and all areas of medicine.
Life Path (3) - Entertainer
People with this life of love in the spotlight. I am very confident and love to interact with other people. They are attracted to a career in entertainment, modeling, athletics, hoteliers, tourism and any form of workwith assistance from the public related to it. Avoid jobs where they are forced to work in complete isolation from the people.
Life Path (4) - Garden
People with this life, have a strong attention to detail and practical reason. They are attracted to careers in: Computers, accounting, banking, insurance, building and driving. Avoid jobs where a lot of risks involved is incalculable.
Life Path (5) -Sellers
People with this life, born and communicators with the seller. They are attracted to careers: public relations, marketing, photography, television, radio and the Internet.
Life Path (6) - Teachers
People with this life to enjoy as part of a team and support their community. They are attracted to careers as law, medicine, teaching, police work, fire and rescue services.
Life Path (7) -Loner
People with this life have a high degree of intuition and a deep understanding of the needs of others. You are writing as work, therapists, counselors, personal trainers, doctors, nurses, plastic surgeons, dieticians, secretaries and hairdressers. Avoid jobs that require them to close as part of a team.
Life Path (8) - Warriors
People with this life I was born to fight in the battles against companies. They aredesigned to pursue a career, the big companies, stock trading, and financial institutions. Often try to work on his own in the world is his own business. Avoid jobs where personal initiative and competition are frowned upon.
Life Path (9) - Humanitarian
People with this life to take great pleasure in doing good for society and humanity as a whole. They are attracted to careers in: journalism, broadcasting, teaching, interpreting, counseling andChild guidance and protection. Avoid jobs where it is involved no benefit to the community.
Thursday, November 25, 2010
Life Insurance - the need to understand the basic things that you
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Many people thought that the purchase of life insurance may seem unnecessary and discouraging thing. But did you know that buying this type of insurance is very simple and straightforward if you know the appropriate mechanisms? But before you decide to buy a policy, it is essential to require the kind of insurance do we really know.
Remember that there are two types of insurance in this category. One thing is for term life, however temporarily, and another is permanent> Life as whole life or universal insurance. These types of insurance policies offer the policyholder or beneficiary of the financial benefits in the event of death or injury of the first. In addition, the type of insurance to buy depends entirely on your needs and your intention to purchase.
Here are two types of insurance in that category and what we in Serbian:
1. Term Life Insurance. This is the easiest way and, asTo buy the cheapest type of insurance. This is also great, but now your most productive years, it is very convenient and can be renewed annually.
How does it work?
In addition to being cost-friendly, runs for a certain period of time. The Contractor shall not worry about equity and has paid no cash value and the cash prize. In case the insured dies, the insurance will pay the beneficiary the money used for debt, mortgages, loans coveredfuneral expenses and tuition for the university against the same insurer said.
The term of this insurance is determined by the choice of the insured person. Often is set for a year and has the potential to increase after having reached its maturity, but the cost of purchasing this insurance usually be renewed. In addition, the insured must prove his insurability in the renewal of the policy.
2. Whole life or permanent life insurance. This type of insurance isprimary investment less than the cost of term life. And unlike term life, politics, the nature of the place in a long time and the time payments are paid to die if given policy.
The top and bottom of Whole Life Insurance:
The disadvantage is that the total cost against the benefits of purchasing this insurance. The question is the amount paid in the value of paid services if you need it? Ask for insuranceproviders to be clear on this point.
The Upside: Mette in value and you have the option of the amount in the event of a financial crisis in a loan before it recessed in
The purpose of buying this type of insurance, the costs and disbursement of the most important considerations before choosing a policy. Shop around for the best value and get quotes from several insurance companies on line, compare the benefits they offer, and cost. You can test your opinion InsuranceCompanies from different national evaluation of life insurance policies. Until then, you can choose which company you can protect and value for your money.
The purchase of life insurance is the best thing you can give your loved ones, you and yours. Be informed and aware. It 'more than financial security. It 's the certainty that money can not buy.
Depreciation - life or economic life
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Depreciation is the definition in the accounting department for a reasonable estimate, in financial terms for the depreciation of an asset over a period of time. Since most assets are recognized as assets in the budget, provided that the "cost of depreciation," as an expense in the income statement is available.
Much of the debate about a further depreciation in accounting circles, since it is difficult to determine what would be a "reasonable estimate" is present. E 'was also takenUntil recently, it may devalue the land and buildings, but I appreciate that. Recent developments, however, have been proposed to depreciation on buildings.
Tax depreciation "of property complicated the issue even more, because the rates bill to tax deductions in excess of depreciation rates, making the differences between tax values and accounting activities.
And 'I am convinced that the accounts of investment made at the bottom using a clever accountant.Accountants know-how, is crucial to the investment management, accounting principles and sound knowledge of tax law.
While the tax write-downs on assets are higher, and the trend in the accounts is to devalue the life activity to be useful, and not its economic life. The speed required for a computer in a tax would be three years or 33, 3% . (Depending on the tax legislation of the country). But an agreement could only use it for 6 months and sell it as scrap. This return to 100%depreciation, how life should be priced office furniture could be used for 5 years and then scrapped, but would have taken years and four tax rates, a charge to write for you!
The proposition that the companies would fall in the depreciation of their assets with the useful life of an asset. So accept the economic life of the useful life for your business.
In the non-profit organizations and other community services such as churches, etc., the imageis very confusing. The churches will keep goods such as furniture up to 40 years. Even computer, the company usually 6 to 12 months of updates for 3 or 4 years!
So, if the method is used to life in not-for-profit activities may have a depreciation rate from 2% to accounting policies in the exhibition. The depreciation rates for not-for-profit and other organizations should be used carefully.
No one expected that an entrepreneuror director of a non-profit in order to understand these concepts, just to ensure that at least an adequate fixed asset accounting system in place.
The Guild - Episode 9: Owning Bladezz
The Guild represents Bladezz and Codex holds trump card. The Guild Season 1 DVD is available in iTunes and bit.ly amzn.to BUY GUILD STUFF: Comic Book T-Shirt bit.ly jinx.com Season 3 Poster Spira Dragonor bit.ly English - Dani Figueiredo Portuguese - Dani Figueiredo and Vieira Mauro Polish - Krystian Aparta and Dominik Blek connection with the guild: facebook.com twitter.com watchtheguild.com official podcast created by fans and http with Felicia Day (Buffy The Vampire Slayer,Monk, House, Doll House). Directed by Greg Benson and Produced by Felicia Day, Kim Evey (Producer, Gorgeous Tiny Chicken Machine Show) English Subtitles: Daniela Figueiredo Dutch subtitles: Sebastiaan van Dijk Portuguese Subtitles: Daniela Figueiredo, Rodolfo Cid and SomeLazyDr Italian subtitle: Francesco Spreafico Russian Subtitles : Roman Japanese subtitles Sound: Yoko Rivera Polish Subtitles: Krystian greek subtitles Apart: Chryssa Rapessi
Wednesday, November 24, 2010
The truth about making money in Second Life
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How easy is it to make money in Second Life?
There is a general rumbling in the world of Second Life on the Internet so-called Massively Multiplayer Online Role Playing Game (MMORPG). Let me lean here and now: You can make money by earning a very good life Linden dollars (L $) in Second Life and in real time. However, it is not easy, as will as of this writing, the average ration of L $ in U.S. dollarsabout 270 to 1 (which means that for every L $ 270 earned in Second Life, they earn only $ 1 USD). Assuming that this is not deterred from groped virtual world, you deserve a life living and real in a sub, there are four good ways to earn L $ and real dollars at the end:
Buy them directly on the Lindex,
Finding a job in Second Life
Began its activities in Second Life or ...
Become a Baron Real Estate.
We explore each of these methods toone.
Purchase of Linden dollars on the Lindex
Lindex is an exchange with Linden Dollars from Second Life residents the opportunity to buy or sell, or $ L. This is by far the best way to get your L $, even though technically they "do not deserve it. However, they now how to do it, you have more resources for the life you want to buy things on the second. Moreover, as the old saying goes, "you must spend money to make money," and this is true in Second Lifeas in real life. This is definitely decide if you want to earn up to $ L through working in Second Life.
Getting a job in Second Life
One thing to understand to make money in second life is that you will not earn much money ($ L or less) to work for someone else. Jobs in Second Life are brought back to life as difficult as from the right, and if you do, certainly a position that has rarely earn more than a few hundred L $hour. For some jobs, you must provide your own equipment. DJ's have their own music and software for streaming music online, security guards often have their own protective clothing and weapons to protect the interests of their employers'. On the other hand, the experience can have a job in SL, you should decide that you want to start your own business profits.
Starting a business in Second Life
Online experience is not only the need to start a business inSecond Life. Sometimes, in fact, a lot of time to practice your own experience can help you, L. Earn $ For example, if you write in the real world, why not have the experience and apply it to a publishing house in Second Life It? is also easy to make your dreams come true in Second Life: You say you always wanted to be a private dancer or exotic. In Second Life dreams are much easier to achieve than in real life, but one of the bestDream is to become a real estate magnate.
Real Estate in Second Life
At the time of this writing, the person wealth in Second Life is a virtual real estate mogul. Buying and selling real estate in Second Life is very simple and straightforward, but it is not easy. For example, using Second Life for a program where the first 512 meters square meters of virtual land you bought was only for $ L1. Second Life has decreased fromProgram, making it difficult to buy land at a reasonable price. But after looking through the earth continues, both at a higher price than what you bought to sell or use that land for the establishment of a branch, you can definitely earn a good amount of $ L.
Conclusion
Well, you have life, learned about four of the most popular ways to get L $ per second. But these are only general issues and there are a variety of ways within these four, you can use abit 'of creativity. I hope to make $ did not come for you to experience the disappointment, but it is better to recognize that like any other money, the effort requires skill, luck and patience to be successful in SL or elsewhere. The purpose of this article was for you not divert the money in SL and then taking in the real world, but say that there will be a success.
'N' Arby the Chief S3E08 - "Cheater" (Halo 3 Machinima)
Click above 'n' The Chief Episode 1 Arby www.youtube.com Clock In LA! DIGITALPH33R. Master Chief Resorts to watch video strategy game on Xbox Live Dashboard to enhance his Halo 3 skills and fails miserably in this plan that uses a hacker emotional instability Master Chief, making him an offer he can not refuse. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Machinima Episode Twitter! Machinima _twitter.com _twitter.com Inside GamingMachinima Machinima _twitter.com respawn entertainment, technology and culture _twitter.com machinima For more information, visit: www.youtube.com Gameplay more, GO TO: www.youtube: www.youtube.com FOR MORE 'SPORT gameplay GO TO. Com TAGS: Arby referee Master Chief of Halo machinima episode three sets new digital ph33r lost digitalph33r CJG 882 224 444 477 UPC joncjg Halo Bungie, the Microsoft Software live a wonderful life still lasts Justice yt: = high quality
Inside Gaming: Sony launches Retro & Fun Times: 3/24/10 (Machinima Video Game News) s06e20
Click here to see www.youtube.com IG Plus: Sid Meier's GDC V! keynote presentation Civilization Inside Gaming: Sony launches Retro & Fun Times: 3/24/10 (Machinima Video Game News) s06e20 Sony raises some retro fun times, and our trip to East PAX! This is for Inside Gaming on 24 March 2010. This is for Inside Gaming on 24 March 2010. ----------------------------------- Machinima episodes on Twitter! Inside Gaming twitter.com twitter.com twitter.com respawn Machinima MachinimaMachinima entertainment, technology, culture twitter.com machinima For more information, visit: www.youtube.com gameplay FOR MORE, GO TO: www.youtube.com FOR MORE SPORTS gameplay, go to: www.youtube.com TAGS: Inside Gaming news IG Machinima Dead Pixel video games yt Twitter YouTube: PAX East Boston High quality = Xbox Slim USB optical drive, Sony Playstation Nintendo Wii Move Microsoft Natal Final Fantasy Kingdom Hearts 2 Kane & Lynch GameSpot Destructoid Review Jim Sterling MMO Love Hot Tube TimeRetro car 1980 EA Medal of Honor modern warfare Mapathy Just Cause 2 Red Dead Revolver Rockstar Grand Theft Auto Racer Redemption ModNation Drake Kratos Ratchet & Clank sports Chuck Hern
Term Life Insurance - Compare instant quotes
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If you have insurance are ready to begin life for citations comparative view, we must offer what the company. Most people think the cure is simple. You will receive an 'offer and sign up for insurance. They do the same payment for 20 years. If something happened in those two decades, make your beneficiary is entitled. That would be true a few decades ago. However, today things are a bit 'different. Insurance Companies love to come with new features of this policy.It 'important to understand these differences and their impact on relationships.
One option that few people use the term annual office life. This form of insurance is not the same payment for the life of the policy. You have the option to renew the policy every year, but then the insurance company can renew it with a higher price premium. When would you like this kind of political sense? One of the major reasons, the creation of a society.Many loans require the borrower takes care of a policy for the entire duration of the loan to be managed, if nothing else. If the loan is for a few years, many people use this opportunity to accept delivery. Make sure when you compare offers on term life insurance you have what is known as a level of premium, provided that the annual renewable work of people like you.
Another option is available from some companies, where the company back on premiumsEnd of term, unless it receives. This is not a common choice, but there are companies. Usually if you pay the premiums, they are gone. If you pay the entire length of the contract period, will be remembered that money. However, some companies the opportunity to obtain all or part of the premium is the end of term if you do not want to pay a death benefit. This is a newer option. When comparing quotes for term life insurance, make sure you understand all the conditionsPolicy before signing.
It 'important that when you start comparing rates for term life insurance that you mentioned on the same form of insurance. This allows you to make an informed decision about the insurance that suits your needs at a price you can pay.
Tuesday, November 23, 2010
Important Life Lessons
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An important discovery I made some years ago that life is a school where we have so many lessons. All of our daily events are full of lessons to be strengthened. I realized that many important lessons to be learned from life, unfortunately, but there are very few people are willing to learn these lessons.
Those with these important lessons are those that are easily found in their daily lives. She has so much experience and have passedlearned a lot. The majorities that lessons are not willing to learn this fight are those in every aspect of their lives and seem to view life as unfair.
In my life, there was a point where things are not so simple at all. I was going through so many harrowing experiences, but it was a thing of joy for me because I know there are lessons from these experiences. After going through these experiences, I found many importantLife lessons and I have all in common, where I.
If there is a lesson that I want close to your heart every day of your life is your dream! Life is not worth living without a dream. With a dream, there is no limit to where you get to meet, or what life inside
It 's so sad that so many people their life without dreams. These people do not even realize they are short-changing not to live with something. A life without a dream is a sense that no one should live.
When I discovered this wonderful lesson, my life has changed dramatically. I can say, before I was a dreamer, I must be a miserable person. The person I was pale, an interesting person, I was not even sure what the future holds for me. When I was a dreamer, creative, have become a new person.
I have had dreams on several areas of my> The life and I could not believe how easy things are just happening in my life so far. I stumbled a lot of books I wanted to see yesterday. While going through, I was just beaming smile, because most of all dreams must go through.
This world is full of dreamers, and people who have so much influence in our world today. In every sphere of human activity, there are many people who started with nothing but a dream. TheirDreams led her to where she could never imagine.
Dear readers, I would like to inform you that your life is not complete without a dream. Wake up to the same routine over and over again throughout his life is not something that should be done. A dream that you think it is now possible in places that you can not even imagine taking today.
The biggest favor you can do is to live a dream and a big one for the cause. I learned that there aregood to dream big, because there is really no enthusiasm for small dreams. Others may live their life without a dream, but that should not be the case.
Let me tell you about it if you can dream, make sure it is really, really great!
Life in the universe, we are the proverbial "it"?
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Are we alone in the universe? This is a question that asked for millions in the eons that no solution to date. Of course, the word "only" means only in the sense that it is equivalent to our gross elsewhere, rather than improves. We want to know our neighbors across the street, not your pets or plants. The response of the gut by default to the question usually revolves around how big is the universe, and certainly in view of the billions of starsour galaxy and the existence of billions of galaxies each with billions of stars, etc., and the period of time, we certainly can not be the proverbial "It". Unfortunately, there is only a small error in this statistical approach. There is a fairly long chain of events that have occurred, the obstacles may be jumped to get out of the elements of star-stuff for organic cosmic neighbors. According to the speaker, that the chain can be very long. The point is, if ever a factor in thiscausal chain that has a very low probability to happen, it does not matter a whit whether or not all other factors are likely, the overall result will be low. If a factor closer to zero it does not matter, then the general answer is also to be close to zero, does not lie. Certainty with the assurance of security through confidence multiplied multiplied multiplied multiplied by zero with the assurance of security, ultimately, multiplied by the safetyzero!
Rather than requiring an exhaustive list of all these factors in our cosmic neighborhood, I'm going to focus on six essential.
First, you have the right kinds of matter and energy that nature as we can produce, and solid ground under their feet. This is not a problem. The universe has many types of energy available, star of producing and distributing the desired type of material, such as carbon, nitrogen, oxygen, silicon, etc. There are many solid bodies (planets), thethere. This is a vote for security.
Secondly, you have a solid planetary body in a habitable world, a suitable environment for physics, chemistry, biochemistry and biology to do their evolution. Fortunately, this should be a problem. There are a lot of properties out there and it comes in all sizes and flavors. Although there is always only one planet earth (I will discuss the many worlds interpretation of quantum physics, the term is avoidedparallel worlds, and the multiverse that could be discussed here) has taken place, and will, many, many homes similar to Earth, only letters perfect for life-as-we - we know them, survive to thrive. You throw in the non-life-as-we-know-it is suitable for those worlds are many possibilities. So, this is another vote for security.
Thirdly, physics, chemistry has become, and the chemistry became biology. We need to have had biologySource or a source, a source (s) of life, chemistry is an inevitable result of normal interactions between physics and everyday. Now, many argue that the origin of life is imposed as nearly as predictable as death, and a suitable habitat in the face. Many argue that the origin of life is a gift from heaven! In my opinion, the origin of life only once, and this is clearly guaranteed - there are and that we are living. Are we aa source of life, the rest is distribution. Panspermia is and how to allocate resources (microbial) life throughout the cosmos. So, I would still vote for the safety of new!
Fourth - Well, now we take the proverbial wall. You and your neighbors are not microbes - are a colony of microbes. In short, you're a multi-cellular organisms. We are trying, in the cosmos, other multicellular organisms, the fact that the probability thata microbe or unicellular organisms is not to show much more than a friend or drinking companion is a fact of life in the vicinity. So we need to get a multicellular individual learning, and sees the problem. It is here that we have left to focus on a sample of one - the land. Note: It 's dangerous to extrapolate from a sample of one, but what choice do we have?
There is no ecological niche occupied the field of multicellular organisms, not occupied by single-celled organisms(Germs). The converse is not true. You may think that the world totally dominated by multi-cellular organisms - your partner, your family, your pets, your garden, food, all life you see that your environment is multicellular you. There are millions of species of insects - all multi-cellular. What is the most common mistakes? But if you have a biological census, even in your home and garden that is apparently common in multicellular organisms are common, and considerablyOutnumbered by single-celled organisms with a ratio of trillions to one. What you do not see it does not matter!
Thus, multicellular organisms have a certainty of evolution? Is there anything that can reach a "colony" of cells 2 or 20 or 200 or 2000 or fill an ecological niche not occupied a cell can not? And by the way, that 2 or 20 or 200 or 2000 platform can now be selected for online before you in order to obtain two million and two billion colony stage. Well, clearly the transitionhappened here, although there are some seriously kick-3000000000 it took years to initiate the process, so that there is little some inevitable natural law. I mean, some take years to 3000000000, a colony of cells from a single cell does not have any confidence that the process is simple, necessary or inevitable. However, it happened here, so it is obviously possible. I do not see it as a super-evolutionary development, the immediate survival advantage-of-the-fittest. Of course, a colony of twocells may be more difficult to eat like a cell, but at this level, the "food" tends registered at the molecular level. In any case, the microbes can easily attach to "eat" and multicellular organisms, the disease, death and decay. We are, after all the food for microbes and proof of the pudding is, as we spend a small fortune to keep them under control. But in the end, even if you can win the battle against germs, you lose the last, and then the war.
Another factor supportingfor multicellular organisms, a common feature of the universe is that Universal is also much harder to bring the entire universe in a natural way - the concept of panspermia - multicellular organisms. I always have a microbe from Earth to Mars is one thing. The first is a cockroach is a completely different scenario.
multicellular development, the risk can not be zero, since we are multicellular, but the bottom line is that I can not assign a probability for the transition-E multi-cellular life on other habitable planet, every time. This is almost zero!
Fifth, as mentioned above, not to interact with your neighbors multicellular animals and multicellular plants garden, but your neighbors. What they have in common with your neighbors who do not share them with your neighbors pets or garden plants? Intelligence (although you probably think your neighbors are a few cents less than a dollar!).
L 'question now is whether, developed with a multicellular stage, will develop a higher brain functions? Is there an evolutionary advantage to further increase your intelligence? As we return to our example of one, if the soil is, the answer is "not likely". There are millions of multicellular species that have existed and do not exist on planet earth. There are apparently only very few species that have evolved somewhat over the minimum level of Brain Powernecessary for their daily survival. That does not inspire confidence that the intelligence value inevitably as a means of survival.
By far the majority of multicellular organisms just working on pure instinct and not (can not) stop, find things (and not even stop to smell the roses and enjoy) - but there is a true a few exceptions. Many wild birds would be our daily companion animals to shame in the Department of IQ. I mean, I love my cats, but Little Einsteinsno. idem our close primate cousins, whales and dolphins have been accredited to support higher IQ. In the realm invertebrate, the octopus is quite clever - invertebrate standards (and others, to be honest). But the bottom line is put in multicellular organisms from different evolutionary strategies in their higher brain functions. Take my cats. E 'for their survival advantage to "figure things out," or just a little' faster walking to listen, just a little 'bettersee more clearly? Almost all living things in their life skills in something other than pure brain power. Plain brain-power-survival of the fittest is the Internet. But is not the only game in town and therefore has no idea of what we call evolution "certainty". However, it would be illogical to say that in developing the intelligence, the ability to understand things, not values, and has no survival value, it's just that if you were to list all multicellular animalsSpecies on the planet Earth, had an IQ of only a few have even one (man an average of 100). So, say intelligence is somewhere between security and highly unlikely.
Then you take your neighbors are smart enough away and usually, is to stay in touch by phone (or e-mail). This is a further complication, it is not enough, just be smart. You must have the technology. Then and only then, are we alone? "If the issue is resolved in ourabsolute satisfaction. We need a technology if we are related to extraterrestrial intelligence (s) and / or need Extra-Terrestrial Intelligence (s), the technology to find us. One or both of us invented Engineering at a very sophisticated - perhaps the rocket ships, perhaps radio telescopes, but some technology is required. There is also a hidden assumption here - you really want to seek out new civilizations. It does not matter if all the necessary technology, but did not haveused for the purpose of answering this question - "You are not alone in the universe" I am going to assume that if you have intelligence, and succeeded in building technology, then part of your intelligence is devoted to a strange creature that they know and find that what he wants - this is a certainty of one. But what the level of security is to develop the technology first? Among the worst judge terrestrial species, some rational smarts have in their account.There are, of course, the human species, and although not exactly like us a sample of one, it's pretty close. There are no comments documentary of some animals do (especially primates) is not so much to help, but using the existing "tools" in their survival. Oh, it lacks the most intelligent species on anatomy and / or the right environment to manipulate objects. In the case of dolphins and whales, to hinder their marine environment, all ways and means to build things and use of fireExample. Thus, this technology must be evaluated to judge our soil samples, but rather low.
The technology is also a double edged sword. The use of technology is obvious survival value for humans was. It would be hard to find dozens of technical inventions, which allows us to survive longer and grow to be better. But for the technical genius is out of the bottle, and if you are a hermit, you now have pointed out that the technology can alsoReduce our quality of life, and certainly would not want to be in difficulty to provide examples of dozens. This leads to good account in the final.
Finally there is the question of longevity. If you move your neighbors, but then move again in less than 24 hours, which does not leave much time to meet and talk over afternoon tea - a flash and are gone. But if both of them on the block for 20 years, allowing plenty of time afternoon tea, chat and philosophicalBridge games, etc. So, how long this technological age?
Well, the pessimist will look around and that has given global warming, the germs resistant to antibiotics, probably, pandemics, chemical and radiological and biological warfare or terrorism, species extinction, pollution rampant and usually a general quality of life Gurgler place quickly, so that the human race extinct - by his own hand. But if you're an optimist,then the sky is the limit.
Longevity - It 's hard to imaging what the human civilization, that man himself is like 1000 years from now, but if they are 1000 years could help you find, in fact, a human civilization, would find apparent, in fact,' people 'at all? Once on the stage of being a multicellular creature with the intelligence and technology, then physics and chemistry, evolutionary biology and simple everyday is no longer in your control are developed through evolution. They arenow under control! You have to control not only the future development of other types (artificial selection instead of natural selection), but their development. The age of designer babies is already upon us, although still in its infancy (pun intended). What takes several decades in this field now embryo, but, of course, a high school education and training continues more!
The man probably break within 1000 years, not because of a global nuclear war or pandemic, orAsteroid strike, but because they have their own hand at something else, evolves and the process has already begun. In fact, it is possible that in 1000 years, two species of humanoids were on the ground. It is a fusion of flesh and blood, as well as iron and silicon, the other "iron and silicon," Pure (robot).
The first is not too difficult to swallow. Simply replace or supplement the flesh and blood, pieces of "iron and silicon," bits (bits or pieces of wood or pieces of ceramic or plasticetc..) Verify the most pirated film and see the lady PEG-legs and hook hands. Do not you wear glasses or contact lenses? What is a hearing aid? Maybe you have an artificial joint (s) or a pacemaker. It is certainly a tooth filled (or two), maybe even dentures. Then there are all kinds of artificial skin and other types of internal or external technology that does not have flesh and blood replaced - such as dialysis. There is now a serious discussion of developing abionic eye in a few years (to go with the bionic ear). What other artificial "bio-bits are available in another 20 years, another 50 years or 200 years?" The era of "Robocop" or a real "Six Million Dollar Man" (and "Woman") is almost at the gates .
Within 200 years or so, I can imagine that you are able to use the contents of a human mind in an "iron and silicon, equivalent to download. Why? Well, the "immortality" word (or as close to immortality does not matter)suggest a possible reason? You think nothing of you eventually replace worn parts car for the new parts on the life of your car to be extended. Why not replace worn parts is endless. Your mind (brain) does not last forever. Replace - the move to a more durable technique Do it again and again and again if necessary. In fact, you could create a mega-super-mind-spirit or joining in a "iron and silicon," body a lot of thought. By combining the spirits say cosmologistgeneral relativity, quantum physics and mathematics, could speed the development of the Holy Grail of physics, the Theory of Everything (TOE) - this is a theory of quantum gravity.
Once your mind is in a "head of iron and silicon contained" fix, so that all of an "iron and silicon, '" body "Immortality. Really!
All this leads to a future of the earth by a humanoid robot developed artificial species inhabited by the human species today. This process muststarted. robotic devices, including artificial iron and silicon, 'animals' are on the market. The study of artificial intelligence is not yet complete. Watch that last minute of the last episode of the TV version of "Battlestar Galactica" How about the Sci-? Fi "Transformers" or "Terminator", or data (from "Star Trek: The Next Generation") Then there's "Doctor Who" Daleks or Cybermen (although they are part of the machine, a body part) Think. robot from "Westworld" or "Future World", wherenothing can go wrong go wrong go wrong go wrong go wrong ... Then there's "The Stepford Wives," "Cherry 2000", the original "Battlestar Galactica" Cylon, and many others. It could only science fiction today - could be tomorrow's science fact? It does not seem to be involved in a violation of physics. All you need is not banned! However, it seems that some of these science fiction scenarios that could eventually end up there is a conflict between the (sub) machines that we have become, and(Artificially) intelligent machines we create!
Of course we have control, so a robotic future is not necessarily required. But I suspect that will happen. Why? There are valid reasons for people to voluntarily leave their flesh and blood existence and development, even if not 100% iron and silicon, and mated to at least a portion of flesh and blood with one part "of iron and silicon, "- art (remember this prosthesis and PEG-legs) as we do today.
Apartarguments about immortality, it is beautiful, institutions and agencies more indestructible, which can be easily repaired. Death is not completely go away, of course - accidents still happen. Likely to take your mind can be 10, 100, 1000 times the amount of experience and memories and knowledge, etc., which is currently the case. You may be able to explore areas now closed to you, as a walk on the ocean - miles - depending on your robot's birthday. All. Which opens up the whole "boldly go experience what is the most difficult part of the journey to Mars - The fragility of flesh and blood of the human body - the need for gravity and oxygen and organic food and water, and clothing space and how they can not flesh and blood replacement components long and so extrapolating explore our solar system, then our stellar neighborhood, including the galaxy. even if you do not want to go, well, there's artificial intelligence housedperhaps in the body nanotechnology, such as the distribution of the whole cosmos as much cancer.
The ultimate aim of all this is that if in the end we (humans), because they (the aliens) now? Translated, after a relatively short period of biological development, a civilization to obtain longevity, evolutionary development of "iron and silicon, coupled with determined much more easily expand in the region of space.
This state of the art may also be partially reversedBottleneck created by the unlikelihood of its multicellular development. There may be relatively few multicellular infested planet, but once the technology of "iron and silicon," Art is to him, go ahead with courage, with fruitful and multiply and colonize the cosmos mechanically quickly fill this gap.
All this does not mean that we are in the here and now, the proverbial "it". However, there is "a probability or certainty that these factors suggest moreunlikely. The litmus test will be to find them, or look for them to us.
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