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Secure Lockdown Internet Explorer Ed. 2.00.114
Lock down Windows XP/Vista/7/8 and create a virtual embedded environment. Inteset's inexpensive Secure Lockdown version 2.0 - Internet Explorer Edition is ideal for kiosk setups, digital signage systems, trade show terminals, library and schools labs, Internet cafes, hotels, businesses kiosks, etc. Secure Lockdown removes the Windows Desktop functionality and unwanted keyboard strokes and allows Internet Explorer to run exclusively.
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Password Cracker 4.09
A simple software that was created to ensure that you never worry about misplacing or forgetting passwords. Tool for restoring forgotten passwords (also in Internet Explorer). So using this application, you will no longer have to panic when you lose any of your passwords. Using: Just hover the mouse on the password and inhospitable place of asterisks see the desired password.
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Privacy Eraser Portable 3.6
Privacy Eraser is an all-in-one privacy suite that protects your privacy by cleaning up all your Internet history tracks and past computer activities. It supports popular web browsers such as Internet Explorer, Mozilla Firefox, Google Chrome, Safari and Opera, completely implements and exceeds the US Department of Defense and NSA clearing and sanitizing standard, once erased with it, your file data is gone forever and can not be recovered.
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Privacy Eraser Free 3.6
Privacy Eraser is an all-in-one privacy suite that protects your privacy by cleaning up all your Internet history and past computer activities. It supports popular web browsers such as Internet Explorer, Mozilla Firefox, Google Chrome, Safari and Opera, completely implements and exceeds the US Department of Defense and NSA clearing and sanitizing standard, once erased with it, your file data is gone forever and can not be recovered.
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Asterisks Password Viewer 3.16
Asterisks Password Viewer is advanced password recovery tool that allows you to see the actual password behind the asterisks. Asterisks Password Viewer lets you see the actual password behind the asterisk. It recovers passwords to such programs as Microsoft Outlook, The BAT! and other e-mail clients, FTP clients such as CuteFTP, FlashFXP, etc. Asterisks Password Viewer also supports password recovery in Windows Internet Explorer.
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Asterisk Password Decryptor 64 bit 3.16
Asterisk Password Decryptor 64-bit instantly recovers lost passwords from most 64-bit Windows applications that store passwords hidden behind the asterisks (*****). It easily recovers passwords for e-mail accounts in Outlook x64 , Windows Mail and many other e-mail clients, FTP accounts in CuteFTP, FlashFXP, FileZilla and other FTP clients. Asterisk Password Decryptor also allows to see the hidden password on web pages in Internet Explorer x64.
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Asterisk Password Decryptor 3.16
Asterisk Password Decryptor instantly recovers lost passwords from most Windows applications that store passwords hidden behind the asterisks (*****). It easily recovers passwords for e-mail accounts in Microsoft Outlook, Windows Mail and many other e-mail clients, FTP accounts in CuteFTP, FlashFXP, FileZilla and other FTP clients. Asterisk Password Decryptor also allows to see the hidden password on web pages in Internet Explorer.
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Hide My IP 6.0.233
Conceal your online identity with the click of a button. Surf anonymously, encrypt your Internet traffic, hide your IP while surfing the Internet, using forums, sending E-mails, instant messaging, playing games, and more. Compatible with all web browsers and Internet applications. Hiding your IP address is as simple as clicking the "Hide My IP" button, which automatically configures your web browser or other application to use a proxy server from our private proxy network. Change your IP address automatically every few minutes and cloak your browser?s User Agent and Referrer headers. Unblock sites like Netflix, Pandora, BBC, and Hulu based on your IP location. Select from hundreds of our secure private network IPs from all over the world. Hide My IP 6.0 support 256-bit SSL total traffic encryption for the most secure Internet usage. Select from thousand of fast IPs based in the United States, Canada, the United Kingdom, Europe, Australia, and Asia. Supports browsers such as Internet Explorer ...
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Html To Image 2.0.2014.1
Html To Image helps you convert html page from any URL to image or thumbnails easily and quickly. It captures the whole web page's content into JPG, BMP, PNG, TIFF or GIF on the fly. Html To Image can be seamlessly integrated with your Internet Explorer. After installed, you can access html to image functionality from the context menu of IE by clicking the right mouse button. Then you can convert html to jpg instantly while you are surfing.
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Fast Url Opener 3.05
Fast Url Opener opens your frequently used websites easy and fast. It keeps up to 75 websites and opens them in a click triggering as your opening browser Firefox, Chrome, Internet Explorer, Opera, or Safari. Open your websites in a click and save your time in opening, change your opening browser, view the icon of the opening browser, close all browsers in a click, quickly switch to Open or Preload using the context menu, change the looks of the application by selecting from different colors, have all program windows at the top of the screen, and more.
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Spy Emergency 14.0.305
Anti-Spyware, Anti-Virus, Anti-Spam Solution that fast and secure removes spyware, viruses, spam and other malware from your computer. Spy Emergency protects you against spyware, viruses, adware, spam, homepage hijackers, remote administration tools, dialers, keyloggers, and many other types of internet threats. It supports Internet Explorer, Mozilla Firefox and Opera Browser.
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PCMate Free Privacy Cleaner 6.5.7
PCMate Free Privacy Cleaner is a safe & easy-to-use privacy protection tool to protect your privacy by cleaning up all Internet traces and past computer activities. As you work on computer or browse the Internet, you leave behind traces. With a simple click, this free privacy cleaner can find and remove the internet tracks like cache, cookies, temporary internet files, run history and more from browsers like Internet Explorer, Opera, etc.
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Dutch Duck IE History Viewer 2014.2.2
Dutch Duck IE History Viewer is a History, Favorites, Cache and Cookies Manager for Internet Explorer. It shows your History, Favorites, Cache and Cookies, in a very accessible, spreadsheet-like table, with options to sort, group, search, print and export. It allows to selectively erase items from your history--search for the items you want to delete and press the delete button. No need to erase your entire history.
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Clever Privacy Cleaner Free 4.2.6
Clever Privacy Cleaner Free - free internet tracks eraser and privacy cleaner software - is specially designed for online surfers. As you work on your computer and browse the Internet, you leave behind a lot of tracks and evidence of your private life. This free privacy protector software allows selectively removing all privacy-related information from web browsers like Internet Explorer, Chrome, Firefox, Opera and Safari to protect your privacy.
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Index.dat Viewer 4.0
Index.dat are files hidden on your computer that contain all of the Web sites that you have ever visited. Every URL, cookies and browsing history is listed there. The file names and locations depend on what version of Internet Explorer you have. If you are running IE version 4.0 or above, the file name is "index.dat". Microsoft has not supplied an adequate explanation as to what these files are for or why they have been hidden so well.
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WinZip Malware Protector 1.0
WinZip Malware Protector. Protect your PC, your work and your personal information from spyware, malware and other malicious programs. Stop spyware in its tracks with WinZip Malware Protector, the software that safeguards your PC, files, passwords and personal information. WinZip Malware Protector detects and removes spyware, malware, worms and other malicious programs, automatically. Protect yourself and rest easy as WinZip Malware Protector monitors your system for you, detecting and removing malicious software lurking in startup programs, cookies, and other files and folders. Stay current with regular updates mean WinZip Malware Protector can safeguard your system from the latest spyware and threats. Schedule and customize scanning to run at startup or any other time of day. You can also choose a Quick, Deep or Custom scan depending on your needs and preferences. Clean your browser remove unwanted toolbars and add-ons from popular browsers, including Firefox, Internet Explorer, Chrome, Opera and Safari.
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Free Internet Cleaner 7.1.2
Working as an internet eraser, Free Internet Cleaner is able to clean internet traces like cache, cookies, history, typed URLs, etc. from Internet Explorer, Mozilla Firefox, Chrome, Safari and Opera browsers. It allows you to specify how files will be cleaned from the disk with optional cleaning methods and quickly find the unwanted files with different search options.
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History Clean 3.0
History Clean is an award-winning evidence cleaning software that securely removes all recent activities of your PC and browsers' history. It supports all major browsers like Internet Explorer, Firefox, Safari, Google Chrome and Opera, and offers customized cleaning options to let you decide what to keep and what to delete everytime you use the program. Other features include third-party software history cleaning and file and folder shredding.
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IE Tracker Pro 1.0
IE Tracker Pro covertly keeps track of browsing history and automatically takes Internet Explorer screenshots. Keeps a personal history of site pages for watching family or busniess activities that may be erased by Internet Explorer users. Can also be used to check up on others as a internet spy program. Keeps a record of sites in a written report along with screen snapshots. Great for personal browsing to have screenshots of pages you have visited or for watching business associates, the kids, or your mate as a surveillance program. Has built in stealth mode to make the program virtually invisible on your pc or on others. Requires use of Internet Explorer for operation.
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Blazing Downloader 3.1
Blazing fast downloads of your files with easy to use interface. Just copy and paste a web address and click download or auto detect the link.This could be the fastest downloader you have ever seen. New auto detect feature finds the link after you click download in Internet Explorer. Let's you download to the folder you choose while showing you the speed in kilobytes per second as your file is downloaded. Increases speed from 200- 500 per cent depending on your connection with multithreading downloading technology. Hard to find auto detect link feature.
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Web Data Extraction Software DataToolbar 2.3.4
Data ToolBar is a web data extraction software, web scraping tool used for automatic content extraction from the web. Implemented as an Internet Explorer add-on, it transforms structured web data into a table style format that can be loaded into a spreadsheet or a database. Based on powerful pattern recognition logic it automatically extracts thousands of data records and images from free or subscription web sites.
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Public PC Desktop 7.72
Setup an Internet kiosk or a public access PC; disable access to vital files and allow only necessary applications to be run including Internet Explorer. Lock access to the desktop using username and password authentication, time-locked code (allows users to access PC for a given period of time only) or a combination of both. The program is ideal for public libraries, Internet cafes, information terminals or homePCs to limit children activities.
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Advanced Internet Kiosk 7.7524
Advanced Internet Kiosk is intended for building Internet kiosks, public access PCs, or in-store terminals. It lets you disable access to files installed on your PC and prevent users from changing PC settings while gives full access to all necessary applications you specify including Internet Explorer. As a result, many people may have free access to a workstation you create, but none of them can damage (whether accidentally or intentionally) vit
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IE Internet Security 10.0
It customizes different features of the Internet Explorer Web browser, lets you disable changing your web browser settings, restrict access to certain tabs of Internet Options dialog box, as well as specific settings from each tab, disable certain menu items and buttons, and prevent others from editing your Favorites. Multi-user support allows you to apply security restrictions for each user personally. Password protection is also offered.
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1st Security Agent Pro 10.0
Password-protected security utility for all Windows. Restrict access to Control Panel, disable Start Menu items, hide drives, disable DOS, boot keys, Registry editing, taskbar, task manager, and network access, hide desktop icons, apply password protection to Windows, and disable running applications. Secure Internet Explorer, disable individual menu items and individual tabs in the Internet Options dialog, as well as specific settings from each.
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Hello Everyone and welcome! Money affects every aspect of our lives, doesn't matter whether it is in your personal or professional life, finance is there in some capacity. Being able to navigate your way around the financial world is actually quite important even in our daily lives. You need not be an expert but if you know the basics, you can improve your financial situation. If you have any great tips, feel free to share them.
Credit Ratings Explained
Credit rating refers to a report that is compiled with special reference to your past financial behaviour. This report is always considered whenever you apply for a loan, a mortgage or a credit card. It helps the lender to determine whether the application should be approved or not. The information found in your credit report …View full post
Tips To Help You Secure Business Funding
There are times in the life cycle of the business where financing may become necessary. Financing may be secured at the start of this business as a way to obtain capital for start-up purposes. One of the primary tasks and essentially the most important task at this point that needs to be accomplished, is …View full post
Why You Need To Apply For Your Studen Loan Early
For many young people, the prospect of racking up thousands of pounds of debt in order to fund themselves through university is one of the most off-putting parts of what should be the beginning of their futures. This however, should not put anyone off further education. It does not matter what field you wish to …View full post
The Benefits Of Legal Accounts Software
If you are like many people in this day and age, you recognize the benefits of going into business for yourself. Becoming your own boss allows you a measure of freedom that you could not receive otherwise, because there is no cap on your income and you have full control over your work days and …View full post
Outsourcing Business Bookkeeping Makes Financial Sense
There are 2 ways of bookkeeping, either do it yourself or hire a specialist to do it for you. Either way, it really is essential that your books are accurate and kept up to date. Unless you already have experience of accounting or bookkeeping, I would recommend you hire someone who knows what they are …View full post
Feb 23
Tips To Help You Secure Business Funding
There are times in the life cycle of the business where financing may become necessary. Financing may be secured at the start of this business as a way to obtain capital for start-up purposes.
One of the primary tasks and essentially the most important task at this point that needs to be accomplished, is the development of a comprehensive business strategy. Properly done, this will lay out a blueprint in depth of the needs to be accomplished as a way to have all things in place to begin this business with a profitable note.
Each minute element of the company will come under scrutiny and be analyzed so that the processes of costing, organising and implementation can be examined. These are generally real items and real procedures and they should be assembled inside a plan. This could be asked for by lenders or other financial institutions who would be considering the provision of financial assistance to the business. Furthermore, it serves as a guide for the entrepreneur to ensure no procedure is overlooked along the way of starting and running the company.
There are several templates that exist when it comes to implementing your own business plan, and a lot of finance institutions will probably be glad to offer their assistance during this process.
After the financial plan is done, the business owner should seek the council of people who are going to be playing a part in the process of obtaining funding. This could range from your solicitor, financial advisor, insurance advisor and banker. The organization might take the shape of a sole proprietorship, a partnership, or possibly a corporation. A popular form is that of a Limited Company, that provides flexibility and advantages that happen to be conducive to get a new business.
One way of raising capital for a business venture is to sell stock. This could cause ownership to be diluted, but it may be a extremely effective way of raising money for that initial financing. When stock is purchased in a business, the stockholder then gets to be a part owner in the industry, therefore the portion of ownership is a prime consideration in this decision.
If the selling of stock is to be the way of increasing funding, then it is imperative that those purchasing the stock along with the majority shareholder see eye to eye when it comes to the future of the business.
A much more traditional way of financing any company is usually to seek funding from a bank or other lending institution. In order to achieve this, the business owner will be required to undergo a rigorous examination of the company books. In most instances, the personal credit worthiness in the business proprietor will need to be solid because there is a very real likelihood that collateral will be required and this usually means the business owner's home. This is the reason it really is extremely important for the owner to obtain all of his or her financial facts because there can be a high risk that all those personal assets will be lost in the event of business failure.
It is also easy to see why an incredibly detailed business plan is actually fundamental to be sure that the business gets off to a good solid start. Depending upon the type of business, there would also be plans drawn up for marketing projections and a determination whether or otherwise there is definitely a good marketplace for whatever it is that this business will sell.
Another area where business capital can be needed would be when a business which is planning to expand. All the business plans, projections and expectations must be calculated and then looked at carefully so that you can go to the lender with all the information you need.
The lender look at the business's track record because it will be simpler to base their lending decisions on the financial history. If the business is successful, then a lender will be inclined to believe that if similar business practices are applied to the expansion process, then an expansion will be likely to prove successful and so give you the means to repay the borrowed funds and generate the interest for the lender.
Needless to say, there will still be a lot of scrutiny, however, the entire process will likely be easier and less time-consuming. Records of company operations could be investigated going back to around 5 years, also it can be assumed that the new expansion process will be scaled to meet the brand new financial needs along with the debt service required.
Jan 28
Why You Need To Apply For Your Studen Loan Early
For many young people, the prospect of racking up thousands of pounds of debt in order to fund themselves through university is one of the most off-putting parts of what should be the beginning of their futures. This however, should not put anyone off further education. It does not matter what field you wish to study whether it is engineering, medicine, IT, teaching, etc. you should be able to access the same high quality education regardless of background and social standing. There are still some grants and bursaries available to disadvantaged students and student loans are available to virtually everyone.
Student loans are a flexible package that offer funding without huge rates of interest. Further education is an expensive business and for students in England and Wales, tuition fees have to be paid. Scottish students attending universities in Scotland have their tuition fees paid for by the Scottish Executive. However, it is not only tuition fees that need to be paid for, board and lodgings, books and equipment, and all the personal items such as clothing and toiletries also need funding. Student loans are not hugely generous, they are provided to pay for your education and allow basic living expenses, so if you are expecting to live the high life, you are going to be disappointed. You will need to be able to manage your money so that you have enough to pay for all the essential bills. Lots of students get summer jobs so that they can save a bit of money before going to university, this gives them a bit of a buffer so that they can have a higher standing of living.
It is important to apply for student loans early, even before you have your exam results. Providing you have a place at a recognised university, you can apply for a loan to pay for your education. Remember that this is an investment in your future, it is not to be seen as a millstone around your neck, you are investing time, money and a great deal of effort in securing a career for yourself. You will not have to start paying your loan back until you have a full time job which pays above a certain level. So, do not let the fact that you will be starting your working life with a substantial debt put you off learning and getting into the career you have always wanted.
Thinking of going to university this year? Applications for student finance in England are now open and aspiring students should apply as soon as possible to ensure their finances are organised for the 2015/16 academic year.
What's available?
There is a range of finance available to help with university costs, including tuition fee loans and maintenance loans and grants, to help with your living costs while you're studying.
Universities and colleges can charge up to £9,000 a year in fees depending on the course. Tuition fee loans are available to cover the cost of the fees.
These are repayable only after you leave university or college and are earning above a certain amount – at the moment it is £21,000 before tax.
There is also funding available to help you with living costs, such as rent and bills. Depending on your circumstances you may also be eligible to receive a maintenance grant and extra support is available for those with children and dependants.
How do I apply?
The Student Loans Company processes all applications for students in England and Wales and you can apply online here. Applications for students in Wales will be available soon and students should apply here.
Help and guidance is displayed throughout the online application process.
Students in Scotland apply to the Student Awards Agency for Scotland and Northern Ireland students should apply to the Education and Library Board.
What information do I need when I apply?
Make sure you have all the necessary information to hand when applying for finance – passport details (password number and validity start and end dates), your course details, bank account number and sort code numbers and national insurance number.
If you're applying for finance based on household income, your parent or partner will be asked to provide financial information. They should provide exact figures and details from their 2013/14 P60 as the latest complete tax year data is required.
How will my funding be paid?
Once your application has been assessed by the Student Loans Company you will receive an entitlement letter which details how much funding you have been awarded and you can check your online account for payment dates.
You can keep up to date on your application, by checking for updates about your student finance in your online account by logging on here for students in England and students in Wales here.
When accessing your account online you can also update your contact details and bank details.
It is important that you ensure that your bank details are entered correctly and if they need to be updated, this should be at least five working days before payments are made, otherwise you may not receive your funds to the correct account.
When do I repay my loans?
While you don't have to pay back grants and bursaries, you must pay back Tuition Fee Loans and Maintenance Loans and they attract interest.
Repayments are due once you have left university or college. The amount that is paid is dependent on how much you earn, currently you have to earn £21,000 or more before tax.
The repayment of student loans is administered through the UK tax system and currently each month 9 per cent of earnings over £21,000 is taken at source through the PAYE system.
Read more http://www.telegraph.co.uk/education/universityeducation/student-finance/11372047/How-to-apply-for-student-finance.html
Dec 11
The Benefits Of Legal Accounts Software
If you are like many people in this day and age, you recognize the benefits of going into business for yourself. Becoming your own boss allows you a measure of freedom that you could not receive otherwise, because there is no cap on your income and you have full control over your work days and the direction of the company. If you are a legal professional, one way to maximize the benefits of owning your firm is to invest in legal accounts software. This legal software will give you all that you need to manage your case load, while also dotting the i's and crossing the t's with your company on a regular basis. There are a lot of different versions of software to shop between, which is why it makes sense to find one that works best for you. This will allow you to take full advantage of your company as a whole and make sure that you are getting the most bang for your buck. This may be completely foreign to you if you have never used or purchased legal software before, which is why you should use this guide to help you out in that regard.
Small business bookkeeping video
These are some of the benefits that you can enjoy when you invest in a good legal software package:
#1: Backing Up All Of Your Case Data
When you have a busy law firm, details can get lost in the shuffle, due to the vast amount of cases that are tried on a daily basis. Because of this, you need to make sure that you use this software to help you keep track of it all. Legal accounts software will back up all of the case data in digital form, both on your office hard drives and in the cloudy. This is an excellent advantage to have, especially since a lot of software now comes with accompanying mobile apps, which allow you to look up your information on a cell phone or tablet. People who have the best software are able to take full advantage of this, so that they can pull up data in the court room or on the go. When shopping for software, be sure that the company has excellent tech support, so that you can quickly retrieve any kind of information if it happens to go missing or if you are experiencing any sorts of technical difficulties.
#2: Excellent Scheduling Tools
When you have the best legal software on the market, it becomes easier for you to get clients in and out and scheduling meetings on the books. This is valuable, because you will be able to make the most out of every situation, so that your receptionists can quickly set aside time when necessary. This will keep the lawyers in your firm off the phones, since the digital software does all of the work for you. Further, you can sync much of this data between mobile apps and the cloud, so that you always have your appointment book handy whenever you need it. The legal software typically comes with a great graphical interface, which gives you everything that you need and makes it easy for you to log in and access any forms of communication that are necessary. For instance, your receptionist can take a phone call and leave information about a message in the software, so that you can just log in and see the detailed information yourself. Each person in the firm will also have their own username and password, so that they can log in and keep tight schedules without any hesitation or confusion.
#3: Updated Billing Procedures
Let's face it–you've got to get paid and keeping up with the nuts and bolts of billing can be a hassle. This procedure is time consuming, but also a complete necessity, in order to make sure that you get paid when you are supposed to. With legal accounts software, you will be able to get paid on time, while also keeping detailed accounts of each and every client. Billing is a major cornerstone of legal software, and will allow you to keep your mind and focus on your work, so that you are not worried about this portion of the business.
Each client will have a detailed file that includes money that they owe and money that they have paid. The software can send out reminders for patients to pay their bills and can cycle through timetables, so that accounts are sent to collections when they need to be. Each and every account is laid out plainly, so that you do not have to worry about how and when you will get paid. The software is automatically updated when a payment is made and can leave notes when reconciling accounts or when there are billing discrepancies.
With these kinds of tools in your back pocket, there is never a reason for your company to be out of sorts. Legal accounts software gives you the tools needed to keep your company running in tip to shape and keeps the stress and guess work out of it. Regardless of the size of your firm, it would behove you to sign up for this sort of software, so that all of the major tasks are ironed out, allowing you to keep your head in the game and focus on your job.
Get in touch with a company that can supply you with this software today.
Nov 21
Outsourcing Business Bookkeeping Makes Financial Sense
There are 2 ways of bookkeeping, either do it yourself or hire a specialist to do it for you. Either way, it really is essential that your books are accurate and kept up to date. Unless you already have experience of accounting or bookkeeping, I would recommend you hire someone who knows what they are doing.
One of the primary advantages of outsourcing the bookkeeping is that it is very cost effective. The beauty of this system is that you are not paying for a fulltime employee or spending your own valuable time doing it yourself, you only pay for the time spent doing your books. The thing is, most people might think of contracting out work with exploitation of workers from emerging markets, however, this is not the case, if you are using a UK based accounting firm, they will only be employing people who are familiar with British accounting and tax regulations. It is therefore good practice to make use of one of these excellent firms.
If you do not already have information on a British accounting firm, you can find out about them online. There are plenty to choose from and whether you are a single trader or a firm who employs several thousand people, there is a great bookkeeping firm to help you. There are a variety of firms out there to help you, they can offer a variety of services from simple bookkeeping to payroll to taxation and virtually everything else to do with business accounting. How much you will be charged depends very much on the services you decide to choose.
If you can, try to get some recommendations from friends or acquaintances as word of mouth is actually the best way of finding great services. If you can't, spend some time researching firms that you think you might like to use, look at it as an interview and see what their strengths and weaknesses are before you decide. Try to narrow your choices down to about 4 and go from there.
You can find out a great deal online and you can read reviews from current or past customers. Try to keep an open mind and use your own judgement. Remember that any firm worth its salt will be happy to provide you with satisfied customers. If you wish to be really thorough, you can go through the Financial Ombudsman to see whether there have been any complaints and whether they were upheld or not.
Most good bookkeeping firms will be straight with you as to how they hire their staff and whether they will be using foreign outworkers. However, it is always a good idea to ask so that you know how they operate. Some companies will offer a free 20 minute consultation for new customers, this can be a very useful way of finding out for yourself whether this is the right firm for you to trust with your business's books.
The accounting part is just one aspect of business bookkeeping however, it is one of the most important because without having all the right information to keep the accounts, you will not know how much tax will need to be paid, how much tax relief your business is entitled to and also whether you have made a profit or a loss.
Small to medium sized businesses who do not need the services of a large accountancy firm could find the right solution with a specialist bookkeeping firm. These smaller firms are still able to ensure that your business accounts are kept in order, make sure that your tax bill is correct and see to it that staff payslips are done on time. By outsourcing you are saving your business both time and money. Finding the right firm to look after your accounts will give you the time to get on with your own work. It also gives you the confidence to know that you will not be having trouble with HMRC.
Oct 28
The Financial Ombudsman Is There To Help
In the UK the financial ombudsman is there to handle complaints both by individuals and businesses against financial institutions where a solution cannot be found between the parties involved. It is virtually unheard of in other parts of the world so is therefore pretty unique to Great Britain.
It is quite simple to make a complaint to the financial ombudsman, you can do this by calling the helpline, writing a letter or via their website. It is free to contact them and they have a neutral stance on financial matters so you know that if your case is taken on, it will be handled fairly.
Before making a complaint, it is very important to be both responsible and fair. Make sure that you have given the bank a chance to investigate your complaint and offer a resolution before taking it to the ombudsman. It is often noted that complaints occur due to misunderstandings which can be resolved if the bank has a chance to address your concerns.
Many financial complaints are due to minor errors which when pointed out are sorted to both parties satisfactorily however, if you find that this is not the case and you can show that you have offered the financial institution every opportunity to fix the problem, the ombudsman should be able to offer resolution. If you make phone calls to the bank, make a note of the time and who you spoke with. Get a proof of postage if you write and keep emails for future reference. This is all proof that you have afforded the business an opportunity to make right your grievance.
When making a complaint to the business in question, make it as factual and detailed as possible. Put it in writing and keep a copy. If you are not comfortable writing formal letters, get some help from family or friends or an organisation like the Citizens Advice. If you are making your complaint by phone, make a list of the points you want to make and be sure to get the name of the person you speak to, write it down so you have a record. Try not to get annoyed, keep your cool, be polite and remain calm. You will get a lot further than if you lose the rag and start being abusive towards the employee who is not actually responsible for your complaint, do try to remember that point!
However you make your complaint, make sure that you have essential information such as your policy or account number, your customer reference or any other details that are individual to you and will help identify you with the business. Have copies of documents to back up your grievance so that these can be taken into account. Don't expect a miracle solution, it takes time for the business to investigate your particular situation and most will be keen to resolve the matter quickly and without fuss. The business has actually got 8 weeks to resolve your grievance before you can take it to the ombudsman so make sure you use this time wisely and productively.
In some circumstances you can approach the ombudsman directly, if for instance you do not know who to approach in the financial institution. The financial ombudsman will be able to contact the right person on your behalf but this is a rare occurrence and should not be your first port of call.
The financial ombudsman has the power to decide whether or not a financial institution has handled your complaint properly or not and will if necessary, force the business in question to put right what it has done wrong. This is the main reason why it is so important to have as much in the way of facts and data before approaching them so that you have the proof that your complaint has not been taken seriously enough.
Oct 10
How A Business In The UK Can Recover Debt
If you own a business in the UK, eventually you will have to deal with debt recovery. You will have some customers that may have problems paying their bills. Sometimes you have a few customers who just do not pay attention to paying their bills, and they start to avoid you. What can you do about them? There are some options that you can take when you are trying to recover debt from delinquent accounts.
It is always good to keep communications open so that you are aware of what your customer's financial situation is. This does not mean that you just write off small debts because those can add up and eat into your profits. For larger debts, you should be proactive and find out what the customer has not paid. If the debt was due to a dispute over products that you had delivered, the dispute must be resolved first. If the client has a problem with cash flow, you can work with them to develop a payment plan where you can collect partial payment on a set schedule.
You should always be diplomatic when you approach a customer for payment. You want to explain the steps that you will take to collect the money before you take any legal action. See if any agreements can be reached. Keep in mind, however, that you should always protect your bottom line. Customers who are worth keeping are the ones who respect their suppliers enough to pay their bills on time. The customers who do not put first priority in their payment to their suppliers may not be the best customers to keep.
Assess your business' current financial situation. If you can reschedule partial payment of the debt, at least you can recover some money and still preserve the good relationship with your customers. This also depend if the customer's financial problems are temporary. If the problem appears to get bigger and bigger, you may need to take further action.
When negotiating a payment schedule, you are in a better position if the customer still values your goods and services. You will also have a stronger position if each business transaction is backed by a clear set of terms and conditions. For example, if you are the supplier of certain goods, there may be clause that says you are entitled to remain the owner of the merchandise until you receive full payment. If the customer wants to avoid bad publicity from the possibility of your taking legal action against them, they will be more willing to negotiate with you. They know that if you take action and it leads to their filing for bankruptcy, it will impact their ability to get credit in the future.
You are entitled to collect interest on any overdue debt. A credit period and interest rate should be spelled out in your contract. The Late Payment Of Commercial Debts Act of 1998 allows you to charge interest at the base rate set by the Bank of England plus 8% from the end of a 30-day credit period. The base rate is adjusted every six months.
Legislation also allows you to collect on "reasonable debt recovery costs" if you incur them in your attempt to collect on overdue debts. However, this is usually enforced only if the case reaches the courts. If you do plan to charge interest and recovery costs on overdue debts, the best thing for you to do is to clearly have this written in your statement of terms and conditions, on your invoices, customer statements, and any financial document that you send to your customers.
You can use a solicitor to collect the debt for you. A lot of times, customers pay up more promptly if a solicitor comes knocking on their door. Solicitors deal with a high volume of debt collection and know how to go about this efficiently.
You can also use a reputable debt collection agency to help you collect overdue debts. A debt collector will handle the collection only if there is no dispute over the amount owed. They are effective in pursuing late payments.
You can use a factoring company to collect debt. This is where you can get partial payment of the debt from the factoring company when the customer is invoiced, then get the balance when the debt is collected. The factoring company collects payment directly from the customer. This is an option only if the debt is not disputed.
For their services, third party debt collectors will charge you a percentage of the total debt collected. That is the cost of your debt collection.
Before you sign a contract with a third party debt collector, ask about their approach. You would not want to alienate your customers by sending out someone who practices aggressive debt collection techniques. Legitimate agencies should be registered with the Credit Services Association. Make sure that you only use firms with an ethical reputation because you still have to protect the integrity of your brand.
Sep 24
There Are Different Types Of Mortgage
There are lots of kinds of mortgages readily available to our home buyer, and along with various mortgage items, there are various ways in which interest on the home loan is computed and paid back. It can be extremely complexed and tough to choose which mortgage finest matches a home purchaser's certain financial scenarios. The kind of mortgage that will be most suitable will likewise depend upon your home buyer's future plans for the home; whether they mean to sell within a brief period of time, whether they plan to rent out the property (most standard home loans do not permit the home owner to lease the home and so a specific mortgage for property managers is required).
Lots of people choose to obtain a fixed rate home loan so that the interest rate is dealt with at a particular portion of the loan for the entire length of the home loan period. This makes sure that the borrow understands precisely what he or she must pay each month and it is much easier to budget for the home loan repayments. This kind of home loan is therefore the most popular for this reason and about 75 % of all home loans taken out are dealt with rate type mortgages. The mortgage period can be ten years, fifteen years and even thirty years. The advantage of this type of loan is that the borrower knows precisely what she or he have to pay back monthly for the set period. The disadvantage is that these kinds of home loans typically have a higher interest rate than other home loan products and because the interest rate is repaired for a set variety of years, if because time the interest rate goes down, the home owner is stuck making higher payments than might be offered with other home loan items.
An Adjustable Rate Mortgage or ARM normally has a set time period at the start of the loan ( normally a year or two) when the interest rate is repaired and often at a lower rate than the current market rate of interest. Nevertheless after this period the interest rate changes with the market rate therefore repayments after the initial introductory period will certainly be higher. With a one year adjustable rate home loan, the interest rate modifications each year after the initial fixed rate duration. This type of home loan brings a lot more risk as the borrower does not know from one year to other exactly what the interest rate will be and as a result exactly what his/her monthly payments will be. This makes budgeting for the mortgage payments much harder. Since this kind of home loan lugs an extra danger, our home purchaser can usually borrow more money and so pay for a more expensive residence. Frequently caps are put in place so that the rate of interest can not go up or down outdoors particular parameters. There are also 3 and five-year adjustable rate mortgages.
For those considering reselling or refinancing within a brief period of time, a two-step mortgage might be a much better alternative. This type of mortgage has a fixed interest rate for the preliminary stage of the loan and afterwards another rate of interest for the remainder of the loan period. The interest payable will certainly be identified by the present market rates and so the home purchaser runs the risk of the interest rate going up after the initial fixed duration. But if the obtain is planning on selling the home before this change date then this might be a great alternative to secure a home loan at a low rate of interest.
House purchasers can likewise decide to opt for an interest just mortgage where she or he only pays back the interest on the loan monthly. The concept loan amount is not paid back at all throughout the home loan period therefore when the home loan ends, the borrower still owes the full capital quantity of the loan. This has the advantage of lower regular monthly repayments, nevertheless at the end of the mortgage period, the property owner have to discover a way to repay the original loan quantity, normally with the methods of some financial investment item such as life insurance or an endowment policy. Nevertheless, if the investment item has actually not performed well or the marketplace as a whole has actually suffered, the property owner could not get enough funds from the financial investment vehicle to repay the loan. This held true with lots of peep mis-sold endowment policies in the 1980's and 1990's. Generally borrowers are offered the alternative to have an interest just mortgage plan for a set period at the start of the loan however then after this time, the home owner have to begin repaying the concept loan as well as the interest and so repayments will rise steeply. Generally this type of mortgage has a greater interest rate than a conventional payment mortgage because of the interest just period at the start.
Sep 02
Make Sure You Have A Properly Drawn Up Lease
Being able to understand what makes a particular property valuable and having the ability to estimate the approximate value of that property will give you the opportunity to make a profitable investment. Over the last few years, there has been a rise in the approach of purchasing a building that is structurally sound but requires a bit of TLC and a bit of landscaping. This is a great way of buying a relatively cheap property to do up and either sell on or rent out. However, commercial property is not quite so straightforward.
For example, take 2 commercial buildings which were built at the same time, in the same area and have virtually the same features. You would think that they were worth a similar amount of money but you could be mistaken. One key factor will determine a difference in value and that is, the lease or leases. Landlords who have experience in renting properties will know how important it is to attract and keep good tenants and avoid or ditch the bad ones. With commercial premises just having a good tenant is not really enough. Commercial properties will actually have several different types of leases for each tenant and this one feature can have a huge effect on the value of the property.
One of the main reasons an investor will choose commercial premises over residential premises is down to the types of lease that can be offered. Residential properties will have fairly standard leases whereby the tenant has many rights. Commercial properties on the other hand have very different leases which are far more complex and individualised. For instance, if the tenant is renting commercial space to use as a clothing store, they will require a certain amount of floor space which will have been accurately measured for the lease and they will also want a access to a certain amount of car parking space outside the building. The clothing store will be responsible for their own equipment, decoration, cleaning and so on. Often, depending upon the lease, they will also be responsible for repairs and maintenance, unlike a residential property where the landlord is legally responsible for the upkeep of the building.
On the subject of leases, it is very important for an investor to appreciate the importance of having a very good lease agreement drawn up. An investor buys property to make a profit and the more money the property can make, the more it will be worth. That being the case means that a regular steady income has to be in place at all times but this needs to be offset by the amount of direct management that is required so you need to do your sums well beforehand. Be aware that the length of lease can become a major factor particularly if you have a poor quality tenant. Commercial property leases normally include a right to renew with the same terms or terms which have been modified and agreed in advance. This can be a double edged sword, on the plus side, a valuable tenant who does not want to or can't relocate can be able to remain in place following a negotiation in terms and rent. On the down side, a not so good tenant can be difficult to dislodge and a group of poor tenants can reduce the value of your building.
When looking for a new property to purchase or plans to rent out space in an existing commercial property, remember that the most profitable leases are not necessarily those that are paying the most. A tenant who pays a high rate but only has a short time left on their lease and does not intend to renew is not nearly as valuable as a long term tenant who pays less. Another thing worth mentioning here is subleasing, this can be useful but you need to know all the details and be aware of what is going on so that you can retain at least a modicum of control over our own building as the tenant doing the subleasing may not be as experienced in property leasing and management.
Make sure you have the leases drawn up by a specialist lawyer and make sure that you read them properly before using them. Retaining a good solicitor could save you a great deal of time, trouble and money in the long term so choose one carefully. Remember that the lease is a legal document so you need to be aware of everything that is in it and what your responsibilities are. Make sure that it includes the specific amount of security deposit, whether it is returnable when the lease expires and also how much can be deducted for repairs or damage. This is important as it can weed out poor quality tenants as well as giving the tenant the incentive to look after the property or part of the property that they are renting. Take a look at the lease from the worst possible case, if a tenant's business goes bust, is there any protection for you as the landlord to get your rent money? Having your solicitor draw up a lease that suits your needs and that is fair to your tenant will give you the best possible chance of getting a good return on your investment.
Jul 31
At Last, Schools Are Teaching Finance
I have been of the opinion, since my own schooldays, that youngsters need to be taught about money and finances. When I was in school we were not given any lessons in managing money, dealing with bank accounts, taxation or anything even vaguely useful regarding this area with the result that I was very ignorant where finance was concerened. Of course, like everyone else, I knew how to spend it but I earning and keeping hold of it was a whole new experience. With the aftermath of the financial crisis, it is more important than ever that young people are given the information and tools to prepare for life in adulthood and that includes being savvy with money. The students of today will be the decision makers of tomorrow so learning about finances will inevitably help them make good decisions in the future.
"Spend a little, save a little, life will be OK." Manal Chaib, 13, reads out her "money promise" tweet to the rest of the class. "I want to spend so bad," reads out another pupil.
A year-eight class at Heartlands High School in north London get a taste of lessons in the English national curriculum when secondary schools return from the summer break. With the introduction of financial education, 11- to 16-year-olds will solve money related maths problems and learn about public finances, pensions and how to budget.
In the wake of the debt-fuelled financial crisis charities lobbied hard for this change. In the classroom at Heartlands High School, pupils have mixed feelings.
"It's probably as important as English and business studies," says Karim Blake.
Chaib is worried about too much focus on saving. "We are teenagers. We should be able to spend on what we want. You should start worrying when you are 16 … I don't want to get: 'You are going to have a rubbish future.'"
Gabby Urbonaviciute is also unsure. "If it was for the whole time, I think it would get boring. Today is fun. Two lessons but not more than that," she says while filling in a quiz on which celebrity spender she is most like – from "super saver" J K Rowling to "spenderholic" Mike Tyson.
This workshop is being run by MyBnk. Set up in 2007 it has so far helped 80,000 children with lessons on the difference between "needs and wants", how to save, public spending, banking and enterprise.
Founder Lily Lapenna started the charity after working in international development in Africa and Asia. When she returned to London it was the calm before the great financial storm but Lapenna was already nervous about the build-up of personal debt.
"Credit flowed quickly and easily – overdrafts, credit cards and mortgages. Many of my friends were in debt but living fabulously without a clue of what APR meant nor how it impacted them," she says, referring to the annual percentage rate (APR) measure of how much it costs to borrow money. "Something didn't feel right. Sure, we could pay our monthly bills, but what if we lost our job, what would we do if our boiler packed up?"
She started classes for schoolchildren and since the onset of the financial crisis, demand for MyBnk's sessions has soared. "We need to teach students to manage money. That was not the prevailing attitude pre-crash where thoughts were, they will learn from their parents," says Lapenna. Click here to read on
Further information
4 essential finance lessons for your children
Jul 16
A Simple Guide To Personal Finance
When we are attempting to understand Individual Finance, the best thing to do is to understand exactly what Personal Finance is not.
Many people believe that bookkeeping and personal finance are the same, however Personal Finance is NOT Bookkeeping.
On the surface they might seem the very same; they both have something to do with cash. However, the definitions will assist us better comprehend the differences.
Based upon this meaning, we see that accounting is the process of analyzing and tape-recording what you have actually currently done with your money.
This is why having an chartered accountant is generally not enough when it pertains to your individual finances.
Accounting professionals normally don't issue themselves with personal finance (there are some exceptions to this rule). Unless your accountant is also a monetary advisor or coach, he or she will likely simply look at what you have done with your money at the end of the year and supply you with a report of their analysis.
This report is typically your tax return; what you owe the government or exactly what the government owes you.
Very seldom does the accountant offer an individual with a Balance Sheet or Earnings Statement or a Net worth statement; all very helpful devices that are required to successfully manage your individual finances.
Personal Finance is taking a look at your financial resources from a more pro-active and goal oriented viewpoint. This is what supplies the accountants with something to tape, validate and assess.
Consumers, business firms, and governments typically do not have the funds they need to make purchases or conduct their operations, while savers and investors have funds that could make interest or dividends if put to efficient use. Finance is the process of carrying funds from savers to users in the form of credit, loans, or invested capital through firms including banks, developing societies as well as other non-profit companies such as cooperative credit union. Finance can be divided into three broad locations: company, individual and public finance. All 3 include creating budgets and handling funds for the optimal outcomes".
Individual Finance Simplified
By understanding the definition of "finance" we can break our " individual finance" down into 3 easy activities:-.
1. The procedure of raising funds or capital for any kind of expenditure = Generating an Income.
A Business gets money through the sale of their services and products. This is labeled " profits" or " earnings". Some businesses will likewise invest a portion of their income to create even more earnings (interest income).
An individual acquires cash through employment either for their own business or working for someone else. This money is termed income.
A Government gets money with taxes that we pay. This is among the primary means that the government produces an income that is then made use of to construct facilities like roads, bridges, schools, medical facilities etc for our cities.
2. Using our cash to make purchases = Spending Money.
Just how much we spend relative to how much we make is exactly what makes the difference between having maximum lead to our individual financial resources. Making good spending decisions is important to attaining monetary wealth – despite just how much you make.
3. Getting maximum outcomes = Keeping as much of our money as possible.
It's not just how much you earn that matters – its how much you keep that actually matters when it concerns your individual financial resources.
This is the part of personal finance that virtually everyone discovers the most challenging.
Often people who make huge incomes (six figures or more) likewise tend to spend just as much (or even more) meanings they put themselves in debt which debt begins to accrue interest. Eventually that debt can begin to grow exponentially and can damage any hope they would have needed to accomplishing wealth.
Individual Finance made easy.
Personal Finance does not have to be complex if you keep this simple formula in mind:.
INCOME – SPENDING = What you have left over.
For Optimal Outcomes you just have to make more than exactly what you invest and invest less than exactly what you make so you can keep more for you and your household!
If you are not actively working to an optimum result you will by default get less than optimal results.
It truly is that easy!
Now that you understand individual finance and WHAT you have to do, the next step is finding out HOW to do this!
The very best means to start is by following these 3 easy steps:-.
1. Knowing what you want to achieve will help you choose a pathway and give you incentive to do more to get what you want.
2. Have a strategy – that you can follow that will get you to your goals. Knowing how you will accomplish your goals in a step by step plan is invaluable. Sometimes this is much easier with the help of an consultant or a financial coach.
3. Use tools and resources – that will assist you to stick to your strategy and not become sidetracked by the things in life that might limit our incomes and make us spend more than we should. Do not try and work all of it out in your head! You will certainly end up with a large headache and your financial resources will certainly turned into one massive dark fog!


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On Monday, Dec. 31 at approximately 4:30 p.m., a Mono County Deputy Sheriff, with the assistance of a California Highway Patrol Officer, observed a black BMW traveling at a high rate of speed, southbound on U.S. 395 near Tom's Place.
The vehicle was stopped by the deputy. As the deputy approached the vehicle, a strong odor of marijuana came from inside the car. Christopher Breaux, aka Frank Ocean, 25, Beverly Hills, had a small bag of marijuana on his person. Breaux was cited for possession of marijuana and released.
This incident has been forwarded to the Mono County District Attorney's office for review.


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For those of you who received undergrad degrees in Computer Science, do you feel like your school prepared you well for the actual day-to-day work of being a programmer?
I've often felt that my school prepared me really well to go on to a Master's Degree program, but that was at the expense of learning basic working concepts like how software shops are commonly structured and what is typically expected of a professional developer. Also, it would have been nice to learn more about the latest trends in software development so I could have known which skills were most in demand in which industries.
I am not dismissing the value of the more theoretical classes I took, and I do see how they have benefited me. However, I think any CS programs that aren't already doing it should offer a half semester class in this area. It could aim for practical and up-to-date information about what should be expected from the real-world software industry.
If you disagree with me and you feel that your school prepared you for real-world experience, please say so. What kind of classes did you think helped you out?
As I said in the comments below, I'm not suggesting that a university's first responsibility is to prepare you for the working world. I do, however, think there can be a compromise between their goals of getting their students to embrace new ideas and helping to get them ready for life after graduation.


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Piscassic Greenway adds acres of habitat in Newmarket
Monday, January 21, 2013
NEWMARKET — The Great Bay Resource Protection Partnership and Southeast Land Trust of New Hampshire announced today the acquisition of 59 acres of valuable wetland, stream frontage and wildlife habitat as an addition to the popular Piscassic Greenway.
"This is an important investment for water quality protection, but as important is the quality wildlife habitat found on the property," said Duane Hyde, director of conservation programs for The Nature Conservancy. "Because of its value, we and our partners have been working to conserve this parcel for more than a decade. We are extremely proud and excited to be able to stand side by side with Southeast Land Trust and announce its permanent protection for the residents of Newmarket and for the entire region to enjoy."
Conserving land like the Tucker property has an impact on the health of the natural systems that wildlife and people enjoy. The Great Bay region provides a variety of wildlife habitats that support more than 150 rare species and 55 exemplary natural communities and ecosystems. Encompassing the outflow of five rivers to the Atlantic Ocean, the area is known for providing North American waterfowl breeding, migration and wintering habitat for more than 20 species of migratory waterfowl species. It is widely recognized as an ecosystem of local, regional, state, national and international significance.
The public is invited to a field trip to the Tucker tract and the Piscassic Greenway scheduled for Saturday, February 2nd at 9 a.m. To sign up, visit www.seltnh.org or call 603-778-6088.


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Apply a small drop to skin around the eyes morning and night. Suitable also for upper eye lids thanks to its light texture.


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Did you forget your voice mail password? How about problems with the fax machine? Going on a trip and need to manage call forwarding? Whatever your question, we make sure our digital telephone support has the answers.
Connecting a Cable Modem With a USB Connection
Last Updated: Wed, 13 Aug 2014 > Related Articles
Learn how to install a cable modem with a USB connection.
There are two ways to connect a computer to a cable modem for Cox High Speed Internet service: an Ethernet cable modem to an Ethernet port in a computer, and a USB cable modem to a USB port in a computer. Some modems are Ethernet only. The following information is for USB connections only and does not apply to Cable Modem Gateways.
Important: USB 2.0 is required in order to achieve the maximum speed capabilities of a DOCSIS 3.0 modem.
Items needed for a USB installation:
- A USB port (D Connector) on the cable modem
- A USB port in the computer and a USB cable
- A surge protected wall outlet or surge protector strip
- A USB driver CD
Installation Steps
- Connect the cable coax line that is dedicated to the cable modem to the cable connector on the cable modem and then to the wall unit.
- Plug the transformer into a grounded, surge-protected 110VAC household outlet.
Connect the power transformer to the modem's power connector.
Most cable modems are "on" all the time and do not have a switch. If the modem has a power switch, turn on the modem, and wait for the modem to synch with the system. This may take several minutes. A modem will indicate when synchronization occurs.
- Insert the USB driver CD as prompted by the operating system, and follow the on-screen instructions as prompted.
- Plug one end of the USB cable into the USB port on the cable modem. Connect the other end of the USB cable into the computer's USB port, which may be found on either the front or the back of the computer.
Need More Help?
- Technical Support Live Chat
- Send An Email To Cox.com
- Join the Discussion Support Forums
- Find Your Nearest Service Center
- Give Us A Call 24/7 Phone Support
- Additional Contacts Local Information
- New Customer Welcome Center


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The Transmigrating Soul: A Yiddish Folktale
There are many Yiddish stories about transmigrating souls--a gilgul in Hebrew--that occupy bodies to the detriment of the occupied. Perhaps the most common such stories involve dybbuks, souls pursued by demons who--to escape--enter human bodies and need to be exorcized. The following is an abridgement of a tale collected from an anonymous source in Ignaline, Poland. It is reprinted with permission from Yiddish Folktales, edited by Beatrice Silverman Weinreich, translated by Leonard Wolf, and published by Pantheon Books (New York) in cooperation with YIVO Institute for Jewish Research.
My grandfather bought the forest in Paluzh and ordered the peasants to cut down some trees. One day a group of children went to the forest to gather mushrooms. When they finished they ran off, having forgotten about one little girl so that they left her behind.
The girl sat down to rest on the stump of a tree and at that moment she began to cough, because a gilgul had entered into her.
At last she got home, and her family noticed that she coughed with the sound of a dog barking. When she was silent, the gilgul spoke; and when the gilgul spoke, she developed a goiter. The gilgul used to call the girl's mother "Mother," and they had to give him whatever he wanted. One day when he wanted milk, he said, "Mother, unless you give me milk, I'll strangle your daughter. So bring me milk." Another time when the girl's mother was baking challah, the braided Sabbath bread, he said, "Mother, make challah for me, too. I want to eat some. "
One of my uncles told him one day, "You've got an awfully big mouth. You want everything." This made the gilgul cry. Whenever they ordered him to leave the girl, he would say, "If you want me to leave, you'll have to bring ten rabbis. But if you bring the Rabbi of Oshmen, one will be enough."
My grandfather disguised himself and said, "I'm the Oshmen Rabbi, and I order you to leave this girl."
The gilgul replied, "Some rabbi you are! You're the one who bought the forest and sent a couple of huge peasants with axes into it to chop down trees. And they cut down the one I lived in so that I had to enter the girl."
The gilgul told them that he had once transmigrated into a dog, a very quiet yellow dog that my father himself had seen. Then Gentile boys killed the dog, so the gilgul entered into a horse, but the horse died, so he entered into a tree. Then Shmuel-Yoysef of Paluzh bought the forest and had the tree cut down, after which the gilgul entered into the girl.
He tormented the girl so severely that finally they went to the Rabbi of Oshmen. And the rabbi quarreled with the gilgul, because the gilgul wanted to leave by the girl's throat and the rabbi wanted him to leave through one of her little fingers. At last he did leave, and a great shot was heard.
The story is told that before he went, he asked that candles be distributed for the sake of his soul. After that, the rabbi advised the family to sell the house and leave the town.
They followed the rabbi's advice and emigrated to America.
Did you like this article? MyJewishLearning is a not-for-profit organization.


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Song-Fight at the Swan and Cygnet Saloon
1. Song-Fight at the Swan and Cygnet Saloon
Hard by the banks of Long Lake where the river meets the road,
The Welcome Inn cons travelers in to rest their weary loads.
The Mistress keeps a tavern there with drink so stout and strong,
The clientele all yell for ale and bellow drinking songs.
One night the bar was crowded with a more-than-motley crew.
The Mortals, Hobbits, Dwarves, and Elves swilled buckets of the brew.
The Orkish bouncers eyed the drinkers, itching for a fray.
The customers howled louder than the Orkestra could play.
About the gaming table in the smoky candlelight,
A dozen heads bent o'er the dice and marked their rattled flight.
"I rolled a seven," cried a man; Bard Bowman was his name.
"It was an eight!" An Elven archer disputed the claim.
The two strung arrows in a trice; the Elf's arm was the faster.
But Orkish thugs surrounded both and threatened dire disaster.
"I'll have no brawl," the Mistress said. "It tends to kill the spenders.
In song you'll duel, or not at all. Bard, you shall be defender."
As Legolas leapt to the bar, the bets were getting down.
A shaken matron found her tongue and spoke of his renown.
"He has a voice like honey poured on crumbled gold," said she.
"But Bard can charm the boldest thrushes from the tallest tree."
They dowsed the light; the band sat tight; the Elf began to sing
Of turquoise sea and Teleri and harps strung with heart-string;
Where crashing currents fall like fountains to a pearly shore,
And waves evoke a longing for the psalms of Valinor.
Amid the cheers the Bowman took the Elf's place and began.
He sang a simple chantey of a woman and a man.
"We looked into each other's eyes and lost ourselves for aye.
The briefest candle burns below as bright as stars on high."
The dew-eyed Orcs forgot their dorks and let their balls hang low.
The Mistress shook her head and swore the match was touch and go.
Then Legolas knelt 'fore the crowd and lifted his fair face.
And to this day no one can say his song was second place.
He sang of urgent love that comes with burning blood of youth.
He praised the madness of first love; its wildness and its truth.
He sang and looked the maidens in their lovely, love struck eyes.
And of their own accord, I swear, their skirts began to rise.
"Your song had better kick behind," the Mistress said to Bard.
"Or else this Elf will leave you gasping in the stable yard.
But if you win, I have within a prize to make you happy.
An arrow black as Sauron's crack. – It used to be your pappy's."
"It drove Dad daft to lose that shaft," the Bowman said with sorrow.
"His heart's still sore, so I'll restore his joy and his arrow.
If all is fair in singing duels then I shall pass the test.
I've saved a secret weapon-song that betters all the rest."
Then Bard sang soft and held aloft a lantern shining bright.
He sang a song of courage 'gainst the enigmatic night.
"We soon shall go, and do not know what lies beyond the portal.
And still we laugh, and ride to war, and love as if immortal."
The souséd crowd arose and yowled as if they had one voice.
"'Tis clear the winner is the - Elf! In token of the choice,
We give this shaft of ebony, and may it serve you long."
- "I cannot take the prize from Bard. His was the better song."
Now many times I've heard this tale, and every time it's told,
The Swan and Cygnet's crowd that night grows larger and more bold.
But time has proved that Legolas knew what he was about.
Bard used that blackened shaft to shoot a dragon through the snout.
And by the way, that's how they came to call it "Dragon Stout."
Notes –
1. Dragon Stout is an actual malt beverage, brewed in Jamaica by the good folks who make Red Stripe Beer, to which many thanks are due. Dragon Stout tastes, to my untutored tongue, a lot like Guinness, only sweeter.
2. JRRT told the tale of Bard the Bowman and his father's black arrow in The Hobbit, Chapter XIV, "Fire and Water."
3. The pub where JRRT used to hang out was not called the Swan and Cygnet, but I hear it was something close.
This is a work of fan fiction, written because the author has an abiding love for the works of J R R Tolkien. The characters, settings, places, and languages used in this work are the property of the Tolkien Estate, Tolkien Enterprises, and possibly New Line Cinema, except for certain original characters who belong to the author of the said work. The author will not receive any money or other remuneration for presenting the work on this archive site. The work is the intellectual property of the author, is available solely for the enjoyment of Henneth Annûn Story Archive readers, and may not be copied or redistributed by any means without the explicit written consent of the author.


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Gale In Context
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We spend a lot of time around our pets and sometimes we can hardly do without them. Pets such as German shepherd dogs are part of the family and they fill our hearts with joy and admirations. The more we get used to them, the more we become inseparable and occasionally we enjoy taking their pictures which give us company when the dog is not around.
It is not uncommon to find pet pictures framed on our desks or a wall in our home or offices. But unlike human, most dogs do not understand the buzz around them when we want to take their photos and they won't just pose for the camera. However, using the following tips can help you to capture great photographs of your German shepherd dog.
Understand Your Dog's Personality
Whether you want to photography your dog at a local dog run or before the start of a planned German shepherd training program, you need to understand the dog's personality. Every pet at home has a unique personality, a trait that distinguishes it from the other pets at home. Establish such unique personality of your dog and then plan to take shots that capture this personality.
For example, the dog may have a special place where it goes to lazy-sleep after meal or the dog likes teasing another pets at home. You can set up your photo shoot to capture such moments which bring out your dog personality. If the dog is inquisitive, hyperactive and likes racing and playing with a particular toy, you can choose a location such as a local park where the dog can ran around naturally without getting too much concerned about the photo session.
For more information on how to train a dog click here
Use Natural Light
When taking the dog's photographs, it is recommended that you use the natural light and avoid using camera flash. A flash burst can cause red-eye pictures and besides, a dog that is not used to taking photographs can be frightened by flash bursts. Outdoor setting brings out great photos but if you have to take the photos indoors, make sure the room is well lit with natural light, probably through a large window. For great capture, focus your camera on German shepherd eyes to bring out the natural expressiveness of the dog.
Consider the Photograph Context
If you are going to take the photo in outdoor settings, the location and its relation to the dog will be very crucial. For better photographs, it is important for the dog to be comfortable and at ease with the location. Your goal is to take photos of a relaxed and calm dog rather than a nervous and restless dog. Choose a location that is familiar to the dog such as a place that you visit often or a place that evoke special memories for you and the dog. Also, consider the background of your shots, you don't want to end up with distracting backgrounds on the photographs. Plain backgrounds such as a well lit room with white walls, patch of green grass or a plain carpet can make good choices.
Focal and Capture Distance
Generally, German shepherd dogs are larger in size compared to other home pets but you will still need to consider the focal and capture distance between the camera and the dog. Don't shoot the image while you are too far away from the dog. Getting close to the dog should be easy if the dog is familiar with you but if not, try to get a camera that is equipped with a zoom lens. The idea is to get close and personal photo shoots that best captures the size and the personality of the dog. The focal and capture distance should bring out a nice blurry background with fewer distractions so that the dog is center of attention.
Photo Capture Level
The best photos of German shepherd dog are taken when the camera is at dog's level. Avoid shooting the photo at a 'human perspective' level while standing up and looking down. The photograph may appear far away from the subject and out of angle. However, getting down to 'dog level' allows you to get a glimpse of dog's normal perspective which adds up a real element of intimacy on the photograph. Take a series of shots using continuous mode (burst mode) camera from different angles which you can later sample for the best. You can also take advantage of wider angle lens to take creative dog photos.
Contribute To Better Photographs
You can contribute to better dog photos by being playful with your dog during the photo session. A better way to do this is to use the dog's toys and stimulate the dog to look longingly at the camera by holding a special treat. You may let the dog play with the toys and then take shots when the dog is unaware. You are likely to end up with great natural photographs when the dog is unaware of your presence than having the dog pose for shots.
While writing this post I found this website (www.germanshepherdtraininghq.net) very useful.


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GEVALIA Dark Breakfast Blend
A clean and light-bodied selection with a vibrant hint of citrus. Made with premium, 100% Arabica beans sourced from the premier coffee growing areas of Latin America, this extra bold roast is sure to please any time of the day.
- This package contains 12 Gevalia Dark Breakfast Blend T DISCS, so you can wake to extra-bold cups of comfort, day after day
- Each T DISC makes an 8 fl oz cup of coffee
How to Make It
- Place your favorite 11 fl oz mug on the cup stand.
- Insert the Gevalia® Dark Breakfast Blend T DISC into the brewer; when the green Auto light comes on, press it to start.
- Let the mug fill, then relish in this clean, light-bodied flavor.


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Accessibility Tools
The University of Nevada, Reno is committed to maintaining fully accessible web sites for persons with disabilities and the University web pages have been designed in accordance with the W3C's web specifications.
Web Tools (Applications and Applets)
The following applications and applets can be downloaded for use in accessing content on the university website.
- Adobe Acrobat Reader
- Adobe Flash Player
- Microsoft Excel Viewer
- Microsoft PowerPoint Viewer
- Microsoft Word Viewer
Equal Opportunity/Affirmative Action Statement
The University of Nevada, Reno is committed to Equal Employment Opportunity/Affirmative Action in recruitment of its students and employees and does not discriminate on the basis of race, color, religion, sex, age, creed, national origin, veteran status, physical or mental disability, and sexual orientation.


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Summary Report for:
25-2054.00 - Special Education Teachers, Secondary School
Teach secondary school subjects to educationally and physically handicapped students. Includes teachers who specialize and work with audibly and visually handicapped students and those who teach basic academic and life processes skills to the mentally impaired.
Sample of reported job titles: Career and Transition Teacher, Exceptional Student Education Teacher (ESE Teacher), High School Special Education Teacher, Interrelated Special Education Teacher, Learning Disabilities Special Education Teacher (LD Special Education Teacher), Learning Support Teacher, Resource Teacher, Special Education Resource Teacher, Special Education Teacher, Teacher
Tasks | Tools & Technology | Knowledge | Skills | Abilities | Work Activities | Work Context | Job Zone | Education | Credentials | Interests | Work Styles | Work Values | Related Occupations | Wages & Employment | Job Openings | Additional Information
- Establish and enforce rules for behavior and policies and procedures to maintain order among students.
- Teach socially acceptable behavior, employing techniques such as behavior modification and positive reinforcement.
- Modify the general education curriculum for special-needs students, based upon a variety of instructional techniques and technologies.
- Develop and implement strategies to meet the needs of students with a variety of handicapping conditions.
- Maintain accurate and complete student records, and prepare reports on children and activities, as required by laws, district policies, and administrative regulations.
- Prepare, administer, and grade tests and assignments to evaluate students' progress.
- Meet with other professionals to discuss individual students' needs and progress.
- Confer with parents or guardians, other teachers, counselors, and administrators to resolve students' behavioral and academic problems.
- Employ special educational strategies and techniques during instruction to improve the development of sensory- and perceptual-motor skills, language, cognition, and memory.
- Teach personal development skills such as goal setting, independence, and self-advocacy.
Tools & Technology
Tools used in this occupation:
|Adaptive communication switches for the physically challenged — Jellybean switches; Sound switches
|Braille devices for the physically challenged — Braille slates; Braille styluses
|Computer mouse or trackballs — Eye controlled computer mouse equipment; Foot operated mouse equipment; Trackballs
|Game pads or joy sticks — Head operated joysticks; Mouth operated joysticks
|Touch screen monitors — Interactive whiteboards; Wireless touch screen monitors
Technology used in this occupation:
|Computer based training software — Text to speech software
|Device drivers or system software — Screen magnification software; Screen reader software
|Electronic mail software — Email software
|Presentation software — Microsoft PowerPoint
|Spreadsheet software — Microsoft Excel
|English Language — Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
|Education and Training — Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.
|Psychology — Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.
|Mathematics — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
|Computers and Electronics — Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
|Customer and Personal Service — Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
|Clerical — Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.
|Therapy and Counseling — Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.
|Administration and Management — Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
|Sociology and Anthropology — Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures and their history and origins.
|Instructing — Teaching others how to do something.
|Learning Strategies — Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things.
|Active Listening — Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
|Monitoring — Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
|Service Orientation — Actively looking for ways to help people.
|Speaking — Talking to others to convey information effectively.
|Coordination — Adjusting actions in relation to others' actions.
|Critical Thinking — Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
|Reading Comprehension — Understanding written sentences and paragraphs in work related documents.
|Social Perceptiveness — Being aware of others' reactions and understanding why they react as they do.
|Speech Recognition — The ability to identify and understand the speech of another person.
|Oral Expression — The ability to communicate information and ideas in speaking so others will understand.
|Speech Clarity — The ability to speak clearly so others can understand you.
|Written Comprehension — The ability to read and understand information and ideas presented in writing.
|Deductive Reasoning — The ability to apply general rules to specific problems to produce answers that make sense.
|Fluency of Ideas — The ability to come up with a number of ideas about a topic (the number of ideas is important, not their quality, correctness, or creativity).
|Near Vision — The ability to see details at close range (within a few feet of the observer).
|Oral Comprehension — The ability to listen to and understand information and ideas presented through spoken words and sentences.
|Information Ordering — The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
|Written Expression — The ability to communicate information and ideas in writing so others will understand.
Work Activities
|Communicating with Supervisors, Peers, or Subordinates — Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
|Evaluating Information to Determine Compliance with Standards — Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.
|Establishing and Maintaining Interpersonal Relationships — Developing constructive and cooperative working relationships with others, and maintaining them over time.
|Documenting/Recording Information — Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
|Organizing, Planning, and Prioritizing Work — Developing specific goals and plans to prioritize, organize, and accomplish your work.
|Training and Teaching Others — Identifying the educational needs of others, developing formal educational or training programs or classes, and teaching or instructing others.
|Making Decisions and Solving Problems — Analyzing information and evaluating results to choose the best solution and solve problems.
|Developing Objectives and Strategies — Establishing long-range objectives and specifying the strategies and actions to achieve them.
|Interacting With Computers — Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
|Updating and Using Relevant Knowledge — Keeping up-to-date technically and applying new knowledge to your job.
Work Context
|Electronic Mail — 89% responded "Every day."
|Contact With Others — 86% responded "Constant contact with others."
|Indoors, Environmentally Controlled — 89% responded "Every day."
|Face-to-Face Discussions — 69% responded "Every day."
|Duration of Typical Work Week — 75% responded "More than 40 hours."
|Work With Work Group or Team — 48% responded "Extremely important."
|Freedom to Make Decisions — 41% responded "A lot of freedom."
|Physical Proximity — 44% responded "Very close (near touching)."
|Structured versus Unstructured Work — 53% responded "Some freedom."
|Telephone — 62% responded "Once a week or more but not every day."
Job Zone
|Job Zone Four: Considerable Preparation Needed
|Most of these occupations require a four-year bachelor's degree, but some do not.
|Related Experience
|A considerable amount of work-related skill, knowledge, or experience is needed for these occupations. For example, an accountant must complete four years of college and work for several years in accounting to be considered qualified.
|Job Training
|Employees in these occupations usually need several years of work-related experience, on-the-job training, and/or vocational training.
|Job Zone Examples
|Many of these occupations involve coordinating, supervising, managing, or training others. Examples include accountants, sales managers, database administrators, teachers, chemists, art directors, and cost estimators.
|SVP Range
|(7.0 to < 8.0)
Percentage of Respondents
|Education Level Required
|Bachelor's degree
|Post-baccalaureate certificate
|Master's degree
Interest code: SI
|Social — Social occupations frequently involve working with, communicating with, and teaching people. These occupations often involve helping or providing service to others.
|Investigative — Investigative occupations frequently involve working with ideas, and require an extensive amount of thinking. These occupations can involve searching for facts and figuring out problems mentally.
|Artistic — Artistic occupations frequently involve working with forms, designs and patterns. They often require self-expression and the work can be done without following a clear set of rules.
Work Styles
|Self Control — Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.
|Cooperation — Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.
|Dependability — Job requires being reliable, responsible, and dependable, and fulfilling obligations.
|Concern for Others — Job requires being sensitive to others' needs and feelings and being understanding and helpful on the job.
|Integrity — Job requires being honest and ethical.
|Stress Tolerance — Job requires accepting criticism and dealing calmly and effectively with high stress situations.
|Adaptability/Flexibility — Job requires being open to change (positive or negative) and to considerable variety in the workplace.
|Leadership — Job requires a willingness to lead, take charge, and offer opinions and direction.
|Persistence — Job requires persistence in the face of obstacles.
|Initiative — Job requires a willingness to take on responsibilities and challenges.
Work Values
|Relationships — Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service.
|Achievement — Occupations that satisfy this work value are results oriented and allow employees to use their strongest abilities, giving them a feeling of accomplishment. Corresponding needs are Ability Utilization and Achievement.
|Independence — Occupations that satisfy this work value allow employees to work on their own and make decisions. Corresponding needs are Creativity, Responsibility and Autonomy.
Related Occupations
Wages & Employment Trends
|Median wages (2014)
|$57,810 annual
|State wages
|Employment (2012)
|131,000 employees
|Projected growth (2012-2022)
|Slower than average (3% to 7%)
|Projected job openings (2012-2022)
|State trends
|Top industries (2012)
Source: Bureau of Labor Statistics 2014 wage data and 2012-2022 employment projections . "Projected growth" represents the estimated change in total employment over the projections period (2012-2022). "Projected job openings" represent openings due to growth and replacement.
Job Openings on the Web
Sources of Additional Information
Disclaimer: Sources are listed to provide additional information on related jobs, specialties, and/or industries. Links to non-DOL Internet sites are provided for your convenience and do not constitute an endorsement.
- Special Education Teachers . Bureau of Labor Statistics, U.S. Department of Labor. Occupational Outlook Handbook, 2014-15 Edition.