Natural Health Sciences

May 20, 2017

Natural health sciences have taken on a whole new dimension with the creation and expansion of the large assortment of healing arts schools and colleges available today. For example, students can invest time and tuition to achieve a Bachelor’s or Master’s Degree in Science in Nutrition. Natural health studies that are provided in these degree programs involve anatomy, physiology, whole foods, organic chemistry and biochemistry, food science, nutritional supplements and herbal medicine, physical fitness, and related natural health sciences. However, be prepared — most degree programs in these and other natural health sciences require prerequisite education from an accredited school or university; and may take up to four years to complete.If you choose to pursue an education in herbology, there are a number of degree programs in natural health sciences that cover this field of study as well. Currently, candidates can apply to a Bachelor of Science Degree program with a major in herbal sciences, and earn a solid educational foundation to become an herbal instructor, herbalist, wellness practitioner, herbal medicine researcher, or holistic health practitioner, among others. Common natural health sciences that are offered in this course of study include herbal sciences, anatomy, pathology, pharmacology, physiology, biochemistry and organic chemistry, microbiology, Materia Medica, herbal preparation and formulas, and more.

Home herbal gardeners, don’t dismay — there are a number of holistic workshops and seminars that offer natural health sciences and studies in home herbal remedies, organic gardening, iridology, and introductory classes in supplements, vitamins, and flower essences, among others.Some certificate and/or diploma programs in natural health sciences are also accessible. If you like working with people and enjoy the healing art of massage, there are numerous natural health programs that emphasis bodywork modalities like deep tissue massage, Swedish massage, sports massage, aromatherapy, hydrotherapy, and associated studies.Because natural health sciences reflect the growing demand for natural health care and complementary medicine in lieu of often invasive and risky conventional health treatments, now is the perfect time to enlist your energy and talents in the ever-expanding fields of the healing arts.

If you (or someone you know) are interested in learning more about these or other programs in natural health sciences, let professional training within fast-growing industries like massage therapy, naturopathy, acupuncture, oriental medicine, Reiki, and others get you started! Explore natural health sciences [http://school.holisticjunction.com/clickcount.php?id=6634739&goto=http://www.holisticjunction.com/search.cfm] and similar studies near you.Natural Health Sciences© Copyright 2008The CollegeBound NetworkAll Rights ReservedNOTICE: Article(s) may be republished free of charge to relevant websites, as long as Copyright and Author Resource Box are included; and ALL Hyperlinks REMAIN intact and active.

Put Power Behind Your Nutritional Information

May 9, 2017

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

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

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

Examples of Some Health Conditions and Physical Symptoms Related to Alcoholism

May 18, 2017

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

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

Deck Construction Maintenance Tips

May 5, 2017

You can hire a deck construction company to build your dream deck, but how do you take care of it to keep it looking nice? Performing basic maintenance and upkeep on your structure will keep it looking and functioning great for much longer than if you just let it sit there. Here are some tips to get you started.Repairs
Each year, check the supporting posts and joists underneath that hold the deck up, as well as the screws and bolts that connect it to your home. Inspect for wood rot, structural damage, or loose bolts and screws. Also check the railings and flooring for loose nails or screws, as well as damaged wood and splinters. If you find any problems, make sure and correct them before doing any further maintenance. This may be as simple as tightening bolts and hammering nails back in or as complicated as replacing posts. If you find wood rot on your supporting posts, it is best to give your deck construction company a call. These types of problems often require major renovations and are best left to the professionals.

SandingIf your deck is older and looks beaten up, consider sanding rather than washing it. Sanding an older structure can give it new life and add another 10 years to it. Before sanding, make sure all nails and screws are sunk into the wood so they don’t catch on the drum sander. Sand diagonally first with sandpaper that is 40-50 grit, then go back and sand it again horizontally using 70-80 grit sandpaper. This process evens out the surface while opening up the pores of the wood.Homemade Cleaning SolutionHere’s a recipe for an effective deck cleaning solution that you can make at home. Combine one quart of household bleach with 1/3 cup of powdered laundry soap and 3 quarts of warm water. Apply and rinse off.StainingStarting at an inner corner, use a sprayer to apply semi transparent stain. Watch for overspray on siding or any other surfaces nearby. Go over any puddles with a roller to even out the finish. Don’t let the stain completely dry before applying a second coat because it will not soak into the wood. Not all structures will require more than one coat. Use a stain that has a high amount of resin in it so it will last longer. Look for solids at or above the 50 percent level. In the years between staining your deck, a water sealant can be applied to protect the wood.

Ask your deck construction company about installing low-maintenance decking if you prefer to avoid frequent upkeep and repairs. These kinds of decking materials are stain, scratch, mold, mildew, and split resistant.

Employment Working From Home – The Good News and the Bad News

May 8, 2017

Employment working from home can cost you a fortune and incur massive risk, traditional business models have the person working from home become effectively employed by their own business and trading their hours for dollars. Risks include, large start up costs that may never be recouped, huge quantities of certain stock that may never be sold, debt (if you manage to obtain it) keeping your stress and risk levels high.Knowing this I spent a lot of my time reading books and searching for a way to achieve employment working from home. This is when I stumbled upon Rich Dad Poor Dad by Robert Kiyosaki. He explains a very important concept called the cash flow quadrant. It basically categorises people into 4 types: E – for employed, trading hours for dollars and having their big boss earn the real money, S – for self employed, a restaurant owner or even someone achieving employment working from home without a system that detaches themselves from the concept of hours worked equals dollars made, I – the investor who has large amounts of money which in turn makes them more money and finally B – for business, that is people who have a business system that works for them and has them earning residual income – that is income that continues to flow to us after we have stopped working.

So how do we achieve this business system without having any huge risk, cash outlay or even initially having to quit our jobs? It is called network marketing. It allows you to achieve employment working from home with little cost and little time commitment. Let’s take an example. I go to the movies to see Inception or Avatar and I love the film. I then tell 5 of my friends how much I loved the film and they all go and see the film. Am I going to get paid for recommending the film to them? No. Network marketing however cuts out the middle men and allows you to recommend products and services to your friends and family and people you meet every day and get paid for it. Employment working from home can definitely be achieved here.

Network marketing has really come of age and is recommended by Robert Kiyosaki, a world renowned financial expert, as the business of the 21st century. But even still, how do we know which company is the best? How do we know that our products will be loved and that we will be paid well for our efforts? Research! Renowned magazine Network Marketing Today every year gives out awards for the top network marketing companies helping people achieve employment working from home.

India Debt Collection Business

May 7, 2017

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

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

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

Online Computer Science Schools

May 16, 2017

Computer education is a necessity these days as tasks in all professions has become digitized. Computer sciences applications have a far reaching impact on how we live our day-to-day lives and the need for computer trained and IT professionals is greater than for any industry or field in the world today. In this Article we review how online computer sciences courses can help prospective professionals find careers in any industry.OverviewComputer sciences are the study of the foundation of computing logic and the applications to computer architecture, hardware and software design as well as specific applications to program development and the use of industry standard technologies. The education starts with the study of natural sciences as they relate to computing and then diverges into a study of the specific niche area – such as hardware, software, graphics and information technology etc. Most institutions offer students the opportunity to learn about all these areas to some extent before choosing a specialization.

Online computer sciences institutions offer students a variety of fully online – to – blended courses in a variety of subjects; students can complete a choice of degree or certificate at any level (diploma, associates, bachelors, masters, PhD or certifications through shorter courses) in general computing or a specialized area – all from the comfort of their own homes and be able to work around their jobs and schedules – without having to enroll for time consuming classes and without having to relocate or spend and money commuting to and from lectures.Enrolling in an online computer science course means prospective students can now fit their education around their work and personal schedules and save the money and time normally required in order to attend lectures and lab sessions. Most online institutions offer their enrolled students a free online resource center for all the information – e-books, lecture slides and practical experiments – that is need in order to finish their coursework.Areas in computer science educationTheory of computation: This area deals with the logic use by computation systems and the mathematics that relates to computational logic. It defines the limits of computability (solvable problems) and computational complexity (resources required to solve these problems in terms of time and space).Algorithms and Data structures: This side deals with functionality such as searching data storage structures and the formation (of models) of data storage (linked-lists, arrays, trees etc).

Programming Languages and Methodology: This area addresses the methodology used to formulate problem solving software code and the programming languages that are used to write viable code. It also deals with modern software development tools and tricks-of-the-trade which are used in modern compilers to formulate accurate running code. Languages may include c, C++, Java, c-sharp etc. Tools may include Visual C++ etc. This area defines the methodology of writing logical code step-by-step and the use of common best-practices.Computer Architecture and logic design: This area deals with the knowledge of how a computer processor works and how is uses its resources to solve computational problems by breaking complex code down to minor mathematical and logical problems. This area includes digital design, automation, architecture and compilation.

Budget Travel and Hotel Considerations – Travel Industry Making Changes To Compete For Consumers

April 27, 2017

If you are like most Americans, you having difficulty saving money while prices are rapidly increasing; things like college tuition, food and fuel. So, when it comes to traveling you are looking to shave off costs and find ways to travel on a budget, and well, no one can blame you for that. What you may not be aware of or have not considered is that in the travel business; everything from airlines and rent-a-cars to tourist destinations and hotels are trying to find better ways to accommodate the budget traveler.

For instance, many airlines have had their fuel prices boosted to record costs and many family budget and business travel hotels are making changes in management and in their operations. Recently, Choice Hotels named a new COO and President; Stephen P. Joyce, 48. Additionally they named a new Executive VP of Global Branding. Why, because they know that they must hold their American clientele and find ways to cut costs, while still attracting their overseas travelers who are paying in high valued currencies.There are many ways to cut costs in traveling and staying on a budget and hotels, rental car agencies and airlines are working very hard to compete for fewer travelers with fewer dollars, while still retaining a profit. Easier said than done, especially when jet fuel has almost tripled in cost since 2000 and recently the number of families traveling on vacation is being cut by a good 35% this summer, all due to cash strapped consumers, credit crisis and outrageous fuel costs. Airline Industry analysts are predicting one or maybe two major airlines filing bankruptcy in 2009 and some hotel chains have pulled back construction of new hotels in many locations.

A to Z Guide to Wedding Planning!

May 12, 2017

A is for Atmosphere
Setting the scene for the perfect wedding can be a daunting task and with wedding trends changing rapidly over time, it can mean decision making is hard. Often the best place to start is by thinking about the formality of the event and how you would like your guests to feel on your wedding day! Whether you choose a relaxed garden wedding with subtle coloring and natural tones or a themed wedding at a wild venue with bold wedding colors and outlandish wedding decorations, whichever way you go it is the wedding atmosphere that you create that will generate the most memories!

B is for Bachelorette Party & Bridal Shower
Second to choosing your bridesmaids, this is often the next stage in the planning of your pre-wedding activities! This is the event, other than the wedding itself, that the girls look forward to most! Renowned as the tamer of the two, a bridal shower is a gift-giving party held for a bride-to-be in anticipation of her wedding, it is a time for the females in your life to get to know each other and to share advice before your big day.The Bachelorette Party also known as a hens night, hens party or hens do on the other hand is deemed “an evening of debauchery,” a girls night out in honor of the bride-to-be in the style that is common to that social circle. This is when the bridesmaids take control, organising silly outfits for the bride, dares and games along with gifts for the girls including name tags, fun drinking straws along with personalised bachelorette koozies for a unique gift idea!

C is for Ceremony
Ultimately your ceremony, the moment where two people are united in marriage, is the reason you are planning this special day. The way that you choose to perform your ceremony and the wedding reception that follows are often linked in formality and theme and the options are endless.For the ceremony you will have to give some thought to the location, a church or temple, beach, garden or formal venue often this is driven by the choice for a civil or religious ceremony. Most ceremonies have a similar structure, with your vows, readings and music making a personal service.

D is for Destination Wedding
More and more couples are escaping the traditional big celebration wedding in favor of a smaller more intimate ceremony in an exotic location. Whether your destination wedding is overseas or interstate it can still take a lot of organization, not only for the couple and the wedding day itself but in making it fabulous for the guests that have gone that extra mile to share in your special day!

E is for Engagement
Congratulations on your Engagement, let the fun begin. Start with your engagement announcements, maybe a notice in the newspaper to inform the community or an item that you can send in the mail to let your friends and family know the good news! If you are moving fast you could even add your wedding save the date to your engagement announcement to help with your planning budget.Some couples will choose to have an engagement party, an opportunity to celebrate with family and friends and for future guests to get to know each other before the big day. Engagement party favors are often handed out to the guests as a thank you for attending, such as candy treats or custom beer koozies to take home as a memento.

F is for Favors
Wedding favors also known as bonbonniere are small gifts given as a gesture of thanks to guests from the bride and groom. Wedding favor ideas have become a major part of wedding planning, with modern gift trends including: CDs with the favorite music of the bride and groom, candy jars, picture frames and wedding koozies. Gifts may also be personalized with the couple’s names, initials or wedding date and even an individual guest name to create a gift and place card.

If you choose wedding Koozies as your wedding favors then it is a great idea to start browsing the designs a few weeks before you need them to be delivered. There is an extensive range of designs available to help you create the perfect match to your wedding color scheme, theme and more. Please read a previous article to help with your design; Personalized Wedding Favors on a Budget – Inspiration for Wedding Koozies to Wow Your Guests!

G is for Gift
A wedding present is a gift taken by a guest to congratulate the couple on their marriage. There is usually some etiquette when it comes to gift giving, some couples may choose to take the hard work out of this for their guests and have a gift registry with a wish list to choose from. Others may have a wishing well, this is where guests can anonymously drop cards and monetary gifts into a box known as a wishing well to help the couple on their way to starting a new life together.

H is for Honeymoon
A honeymoon is the traditional holiday taken by newlyweds to celebrate their marriage in seclusion. Jetting off to somewhere exotic and romantic is not uncommon although the holiday should be something of choice that suits the couple’s outlook and interests. For couples on a budget a destination wedding can be a great way to spread the cost making the addition of a few days for a honeymoon easy.

I is for Invitations
Wedding invitations are a great way to set the scene for your guests. As a follow on from your wedding announcement or save the dates, your wedding invitations can be fun or formal but should be informative and hold an RSVP date so that you can keep to a deadline in your wedding planning.In modern times the way an invitation arrives is becoming more and more imaginative, you might choose a link to an online wedding website where guests can respond electronically or include a link to a video message. Items sent in the mail can also be creative and unique such as origami style folded gifts, printing a message on a balloon that can only be read once blown up or sending custom wedding koozies for your guests to enjoy at home and on bring on the day!

J is for Jewellery
Wedding jewellery can be simple and sophisticated or bold and colorful. This is a very personal choice that that bride will make when choosing her wedding dress and bridal party attire.Sometimes traditional jewellery will be passed down the generations within a family, bridal accessories can include earrings, bracelets, tiaras and hair combs to name a few.

K is for Kiss
“You may now kiss the bride”… the words that the groom has been waiting for all day! Many couples will have a discussion prior to the wedding about the kiss, some even finding this the moment that makes them most nervous! Questions like, how long should it be? Should it be a full-on smooch? Or just a peck? What is the etiquette in wedding kisses? The answer to which is that there is not really an etiquette, just show each other how happy you are to be making this promise to each other and show this off to your guests, just bear in mind that you might be in front of your parents, grandparents and young children.

L is for Love
LOVE. An intense feeling of deep affection and the reason you have been ploughing all of your time into planning the ultimate wedding celebration. Say no more.

M is for is for Music
One big question for your wedding reception, DJ or Band? Often the answer to which is dependent on budget, formality of your event and location. There is also the decision of which music you should be walking down the aisle to, creating an amazing playlist that will get your guests on their feet and of course the first dance! Here are our choices for a first dance song;Top 5 First Dance Wedding Songs

Make You Feel My Love – Adele

You Are The Best Thing – Ray LaMontagne

Kiss Me – Ed Sheeran

The Way You Look Tonight – Michael BublĂ©

Better Together – Jack Johnson

N is for New
If you are following tradition in the sense of the rhyme “something old, something new, something borrowed and something blue” then this is your something NEW! You can include your wedding dress as your something new if it is made to order, or perhaps one of your bridal accessories or a fancy new pair of shoes. Let’s face it when it comes to your wedding there will be a whole heap of items that you can consider using to tick this box!

O is for Outdoor Wedding Venue
Weddings are often planned for the perfect weather, the most popular seasons for a wedding are spring and summer so that you can have great light for your wedding photographs and that you have the best chance of enjoying sunny spells outdoors with your guests over welcome drinks.Your outdoor wedding venue might be in a national park, flower garden, winery or a beautiful beach, whichever you choose for your outdoor wedding be sure to have a wet weather plan on hand, just in case!

P is for Photographer
Wedding photography for a lot of couples is a big box to tick. It is lovely to be able to capture your big day and all of that hard work into images that you can cherish for years to come. Choosing a photographer can be a daunting task, be sure to ask around for recommendations, view portfolios of previous work and get to know your photographer so that they learn to capture what is important to you. Looking at your photographs together as a family is a beautiful way to connect after the event, each image will tell its own story and each story will be a memory captured for life!

Q is for Quiz
The Mr & Mrs Quiz, the ultimate quiz that any bachelorette should have to complete on their ‘last night of freedom’..! It is a fun way for the maid of honor to connect with and get to know the groom before the event. She will prepare a series of questions that the groom will answer, things can of course get a little cheeky depending on the formality of the bridal shower or bachelorette party, the bride will then need to see how many answers she can match to the groom’s responses, often followed by a forfeit for every wrong answer.

R is for Reception
Wedding reception, this is the fun part, after you have nervously said your vows in front of your family and friends you can relax with food, drinks and dancing at your wedding reception. Wedding reception ideas include a formal sit-down meal, cocktail reception or a casual beach BBQ. You can usually leave this up to your wedding planner or venue to organise, that way you can enjoy the celebration and spending time with your guests.

S is for Save the Dates & Stationery
Your wedding announcement and first item of wedding stationery is your Save the Date! An ideal gift used for long engagements this is designed to be sent out to your guests well in advance of the formal invitation, once you have your date set you can mail these out so that your guests can save the date in their diary. Some popular methods of sending a save the date include; postcards, calendars, tickets, magnets, custom beer koozies and more.

T is for Table Plan
T is also for troublesome, often considered one of the most controversial parts of the wedding planning process, the dreaded table plan! Great aunt Joan cannot be near second cousin John and really you’d like to sit with your pals rather than follow the traditional top table style with your parents… at the end of the day this is your wedding and as a couple you should be able to choose a seating plan to suit your wedding formality and your guests.

U is for Ushers
An usher, also known as a groomsman is normally a friend of the groom that has been recruited to direct guests at the ceremony, and generally be available to the bride and groom for assistance throughout the whole wedding event. The ushers would generally be dressed in the same wedding attire as the groom and best man and would feature in the formal wedding photographs alongside the bridesmaids.

V is for Vows
The exchange of wedding vows is an important part of your wedding ceremony. It can be a very romantic moment and often the perfect place to express your feelings for each other. Vows can be modern or traditional, led by a minister or celebrant, written for you or by you and can be tailored to your individual personalities.

W is for Wedding Dress
Almost every girls wedding dream begins with the dress! There are so many gorgeous styles available and all designed to suit different shapes and sizes… you can find the perfect wedding dress style amongst these… Ball gown, mermaid, A-line, Sheath. Strapless, V-neck, halter-neck, one-shoulder, illusion and more!Once you have found the perfect style, you can start to create a unique look through the color and density of the material, heavier fabrics such as brocade and jacquard or lighter materials like silk and chiffon, traditionally a wedding dress would be predominantly white or ivory in color, but these days anything goes!

X is for X -rated (entertainment at bachelor party)
Although it is not necessarily the way every groom will spend their last night of ‘freedom’, the bachelor party, as portrayed in the movie The Hangover, certainly has a reputation for being a night or indeed a weekend of debauchery! Some will go all out with a weekend in Vegas, but generally the party vibe will include trendy bars, nightclubs and, most importantly, strip clubs!Much like the bachelorette party, this is where the best man and other members of the bridal party will shine with ideas, organising embarrassing outfits for the groom, along with drinking games and dares! Gifts for the guys might include matching t-shirts, shot glasses, beer horns or custom beer koozies personalised for each of the guys!

Y is for Years
The number of years spent together, number of years engaged and then number of years married. Once your wedding day becomes a wonderful memory you have the many years of wedding anniversaries to look forward to and to celebrate. Each anniversary that passes will have a symbolic gift that is presented, there is both a traditional and modern gift here is the traditional list;

1st Paper

2nd Cotton

3rd Leather

4th Fruit/Flowers

5th Wood

10th Tin/Aluminium

15th Crystal

20th China

25th Silver

30th Pearl

35th Coral

40th Ruby

45th Sapphire

50th Gold

60th Diamond

Z is for Zero Regrets
In a perfect world, every bride and groom would have the perfect wedding with absolutely no mishaps. However, this is not the perfect world and every turn makes for a new story! Our only advice is to enjoy every minute of your special day, spend as much time with each guest as you possibly, and have zero regrets!

Rep V. Direct: How to Best Organize a Sales Team

April 29, 2017

Sales executives are constantly searching for the ideal structure of the sales team. Should the team be composed only of direct sales people? Should the team be composed only of manufacturers’ representatives? Experience shows that a hybrid sales organization, composed of a blend of direct and indirect sales employees (manufacturers’ representatives), combines optimal performance, cost effectiveness and flexibility.If one observes several sales organizations over an extended period, she’s able to see that relatively often, sales executives make sweeping changes to those organizations, from all direct to all rep, and from all rep to all direct. Invariably, the observer is able to note that sales management ultimately reverses many of those sweeping changes. Sometimes sales executives benefit from observing changes made by others. Unfortunately, too many sales executives develop the understanding of the benefits of a hybrid organization by making one or more poor decisions and then repairing the organization after problems surface. The most durable of sales organizations are those that use a hybrid technique, employing a mix of both direct sales staff and manufacturers’ representatives. Sales teams composed entirely of all direct people or entirely of manufacturers’ representatives are generally not ideal.Why “Direct Only” Teams Are Not IdealMany CEOs and executive teams believe that the best way to build relationships with customers is with a sales team composed only of direct employees. In this example, sales staff cannot be distracted with unrelated business and other product lines. No one can blame the inexperienced CEO and executive team for thinking this way. A salesperson is able to devote 100 percent of this time to the company. A direct sales team suffers from far fewer distractions than a rep sales team. However, experienced CEOs and executive teams understand that they must thoroughly look at a direct sales team before converting to it. Direct sales teams are quite expensive to train and support. The company must support offices in all major markets. Those offices bring along with them assorted costs: rent, administrative support, office equipment, utilities, etc. A competent manager who can work well and represent the company without direct supervision must manage the office. The company must train and occasionally upgrade each office manager.When sales are growing, the office manager must hire and train new sales staff. The company must train the manager in hiring and training techniques. The company must also train the office manager in firing techniques, in hopes of avoiding legal problems.As sales grow, the office must expand to meet growing demands upon the sales office. Cost of sales rises as sales grow. Sales, however, do not grow forever. Ultimately, sales flatten and roll over. Sales usually roll over earlier and more abruptly than hiring plans. Sales may dip at anytime during the year, but hiring plans are usually set at the beginning of each calendar or fiscal year. As a result, hiring is sometimes still underway when industry and office sales are falling. Such dynamics create an environment whereby cost of sales, (as measured by the total cost of running the sales office, divided by the total revenue that the office generates, expressed as a share of sales) rises rapidly.

When a sales office has healthy sales, the company can manage its cost of sales and support them at a predetermined level. If sales grow for a long period, the company can manage the office to cut cost of sales. The sales office can benefit from economies of scale. A sales office supporting 20 salesmen doesn’t need more copiers, fax machines and conference rooms than an office supporting only 10 salesmen. Unfortunately, sales ultimately roll over. It is difficult to cut costs immediately. The office manager must usually see several months or quarters of declining sales before realizing that he must cut costs, including headcount. During this time, cost of sales rises, sometimes well above tolerated levels. The sales office manager and the company cannot cut costs quickly. Which is a chief reason that totally direct sales teams are undesirable.Why “Rep Only” Teams Don’t Yield Peak PerformanceRep only sales organizations afford a number of benefits to the sales executive. The sales teams are already in place. Hiring and firing of salesmen is not the direct responsibility of the sales executive or his regional sales managers. Manufacturers’ representatives generally hire and fire as sales move up and down. The cost of running a rep only sales organization rise and fall directly with the level of sales. A significant benefit of the rep only sales organization is that cost drops immediately when sales drop. It’s possible to accurately forecast cost of sales as a share of total revenue. Cost can never get out of control by hiring too many salesmen, buying too many computers, or leasing too large an office; not infrequent problems for direct sales organizations.Manufacturers’ representatives are not always the panacea for companies looking to hire or expand a sales organization. Large customers often demand direct sales staff; not indirect staff from a manufacturers’ representative. Large customers view their largest suppliers as strategic partners, and like the ability to communicate directly with those suppliers. Communications is sometimes slower and less clear when a customer must communicate with a manufacturers’ representative, who in turn communicates with the supplier. Customers may set the style with which they deal with suppliers as part of their purchasing strategy. For example, they may decide to deal with no more than two or three suppliers on any commodity and to deal with those suppliers directly. This disallows conducting business through manufacturers’ representatives. A supplier must recognize and honor such a strategy, or be ready to suffer undesirable consequences. A supplier must never turn a tin ear to a request from a customer demanding direct sales representation.Large suppliers view their largest customers as strategic partners, and like the ability to communicate directly with those customers. They view the delay when communicating through a manufacturers’ representative as an unnecessary burden. When large suppliers invest management time with strategic customers, they do not want to dilute that investment by sharing management time with manufacturers’ representatives. The incapacity to offer direct coverage to strategic customers is the primary reason that a sales team composed only of manufacturers’ representatives is unattractive.First and Foremost: Do No HarmRecognizing that something is wrong, many sales executives make bold, sweeping structural changes to their sales teams. Fire all reps and hire a direct sales team. Fire all direct salesmen and hire a network of manufacturers’ representatives. Either approach will certainly repair some problems. More than likely, however, extreme changes are very prone to creating new problems of equal or greater scale.Why do so many companies replace one poor-performing sales organization with another that destined to yield performance that is no better than the original? The two most common reasons are inexperience and weakness of the sales executive compared to the rest of the management team. Perhaps the inexperienced sales executive has risen through a single company with an all-direct or all-rep sales force. Now, managing the global sales organization, he opts for sweeping change from all-direct to all-rep, or from all-rep to all-direct sales without benefit of understanding thoroughly the benefits and problems with either a pure-rep or pure-direct organization. Alternatively, the inexperienced sales executive may have developed his management skill at a company employing an all-direct sales organization. He may not feel comfortable managing if hired into an all-rep company. No one can fault a sales manager if he sees massive problems and concludes that he must make sweeping change to an all-direct sales organization. Only inexperience allows him to make a major, highly disruptive change.Another reason companies make dramatic changes in the structure of a sales organization is that the sales executive is weak. If cost-of-sales, expressed as a share revenue is too high, the CEO, the rest of the executive team, or both can apply pressure on the sales executive to affect change and cut cost. If the sales executive lacks the strength to defend his team or the structure of the sales organization, he merely becomes the messenger, not the manager.

The message to the sales executive feeling pressure to make sweeping change in a sales organization is to adhere to the Hippocratic Oath: First, do no harm. Any sweeping change imposed upon the structure of a sales team will initially be disruptive. Make sure to justify the disruption and be very sure that the change, once implemented, is most likely irreversible. Sweeping change brings disruption, higher cost of sales and lower productivity. All of this might be worthwhile. However, if a sales manager imposes sweeping change and then reverses course within a year or two, disruption from the reversal is much greater and more costly. A reversal of an organization change brings with it disruption, higher cost of sales and lower productivity just like the original change. However, an organizational reversal can erode the sales team’s enthusiasm. A company can handle disruption, higher cost of sales and lower productivity if repaired relatively quickly. Repair of an unmotivated sales team takes much more time.”Hybrid Sales Teams” Work BestA supplier always looks to optimize its sales organization. If a company continuously focuses on cost of the sales organization, use of manufacturers’ representatives is mandatory. The benefits of manufacturers’ representatives are too great to ignore. However, manufacturers’ representatives may not satisfy the requirements for some customers. Strategic customers demand direct interface, excluding the use of reps. The best alternative then, is to merge some of the best features of both a rep and a direct sales organization. Implement a direct sales team to cover the sales to all strategic customers, while simultaneously bringing about a sales team of manufacturers’ representatives to cover all other customers.A hybrid sales team benefits from the cost effectiveness of manufacturers’ representatives. The same team can deal directly with strategic customers. The sales executive may take advantage of the non-disruptive flexibility when adding or deleting customers on strategic customer list. A secondary benefit of a hybrid sales organization is bench strength. Well-seasoned, top-performing direct sales personnel represent a talent pool from which from which to draw regional sales managers.ConclusionExperience shows that a hybrid sales organization, composed of a blend of direct and manufacturers’ representatives combines optimal performance, cost effectiveness and flexibility. The most durable sales organization is one that uses a hybrid technique. Sales teams composed entirely of all direct staff or entirely of manufacturers’ representatives too often underperform.

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