Delicate Home Furniture

Assessing the values of delicate home furniture

Sometimes the home owner might make the decision to purchase some modern home furniture such as the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet. This piece of furniture will make meals the occasions that they need to be. That means that if you are entertaining there is no need to worry about the kinds of things that you are going to use. The efforts can be saved for the other items such as cutlery and cooking utensils. The use of the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet is therefore a great achievement for the home owner.

This type of furniture will cost somewhat more than the standard items that you use in the home. It is an investment in the kind of lifestyle that you wish to create for your family. It is reasonable to expect that you will get the best quality when you decide to go for the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet. In the true style of the age, this is a system that tends to work very well with modern settings. You simply configure your home in the way that you want it and then wait for the results. You are almost guaranteed satisfaction when you purchase the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet.

The homes that decide to buy the item will be please by their purchase of the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet. It is a delicate balance that includes looking at the item and then trying to fit it within the home settings. If it appears that the furniture is not going to make the grade then the clients can try to find alternative solutions. The end result is that the furniture is merely one of the choices that they can make. Using this sort of set will ensure that you are well served by the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet.

Some people might be concerned about using the item because they believe that purchasing the item will cost them too much. For it is not worth it to buy the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet. They would rather spend the money on alternative projects from which they can expect some sort of compensation in the long run. This might be the wrong way to go about things because the purchase of the item is not about money. Cost are not too important when buying the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet.

Benefits of Collaboration in the Luxury Travel World

The luxury travel industry has been the core of my business world for many years. In my role as marketing consultant have seen travel companies grow and fall as the trends for vacations and short breaks changed in line with needs for the industry’s most important component – the customer.

From just one holiday or vacation a year, the trend has grown to a pattern of two maybe even three vacations. For those with more disposable income, a sprinkling of short breaks throughout the year has become a typical indulgence… until now.

With the onset of the financial recession from 2008 onwards large families and travelers in their 40-50s were hardest hit in terms of the number and quality of holidays taken. Excited at the opportunities afforded by budget flights and exciting destinations many families looked forward to a few weeks in the sun with cheap food and drink plus the opportunity to pick up some duty free luxuries and a tan.

But the fall out from flight route closures on the cheaper airlines, the rising costs of hold baggage and the affects of currency fluctuations have made larger numbers of potential holiday makers taking the cheaper option and staying at home.

The younger singles market still managed the short luxury breaks to European cities such as Prague and Barcelona and the island retreats of Ibiza and Mallorca. But even this market is being eroded as salaries dip in line with recession. Currency fluctuation and exchange rates have hit the cost of bed and board rises dramatically in the once celebrated destinations. Add in the effect of ‘global warming’ on the conscience of the younger travelers and its easy to see why so many of the budget holiday companies are falling on difficult times.

And what about the luxury end of the market? Believe it or now but some of the top end companies are having a very profitable time. How? They have talked to each other, joined forces and shared resources to help bring their marketing costs down and in many cases their market coverage up.

I have seen groups of top Scottish Hotels who might have been fighting for a customers attention, become a collaborative marketing group whose aim is to sell the destination first and then divide up the spoils among their spa resorts, golf complexes, boutique hotel partners and city centre apartments.

I have also seen small specialist travel agents collaborate by forming a collaborative venture specializing in high end luxury travel destinations – each member having a unique destination or service. With one innovative marketing message they have a louder voice than they might have as individual travel operators.

On the customer side collaboration is also proving very beneficial. Instead of taking lots of individual holidays there is a growing trend for groups who might have booked separate hotels and a similar destination to team up and book a large villa or apartment. Combining their entrepreneurial skills, purchasing skills and cooking skills they are able to eat well, organize great activities while staying at some of the most exclusive holiday destinations.

Kitchen Furniture Manufacturers – Enriching Your Kitchens

Ever wondered what kind of intense pressure Christiano Ronaldo must be going through every time he walks on to the field while playing for the hugely popular Manchester United? I know it’s the wrong kind of comparison, but kitchen furniture manufactures are almost always put in similar kinds of unenviable situations. After all, they have been entrusted with the onerous task of resurrecting our stolid kitchens. Wherever they go, their impeccable reputation precedes them. A reputation, which has been painstakingly built on years of selfless service to homeowners across the globe.

Excellence that speaks for itself

One look at furniture created by leading kitchen furniture manufacturers, and you know that you’re looking at something special. The obsession with excellence, emphasis on cutting edge design, unmatched craftsmanship and complete attention to every possible detail, is unmistakable. Then there are those numerous innovations in terms of style and color that make the furniture look almost like an esoteric yet priceless work of art. Be it kitchen dining furniture, kitchen island furniture, kitchen storage furniture or an array of functional cabinets, nothing comes close to the tireless service rendered by kitchen furniture manufacturers. Giving a fresh lease of life to every kitchen is their credo, and it’s clearly espoused in their work.

Wood and more

If you are on a singular mission of adding oodles of aesthetic value to your kitchen, then there’s nothing to beat wood kitchen furniture. That’s a secret every kitchen furniture manufacturer will tell you. Wood kitchen furniture, be it chairs, tables or even stools has the power to add immense value to any space. Unique and distinct in every possible way, each piece of furniture is sure to fill you with not contained enthusiasm and glee. But what if the thought of being Eco-friendly provokes you? Then there are other options that can be explored. Several manufacturers make fabulous looking furniture from medium density fiber board, particle board and laminates. This kind of furniture is enduring, practical and very affordable. Considering that the radioactive stocks of this furniture rarely last, you must consider it rather providential to get something for your kitchen. It’s all that you need to make cooking an absolute delight.

E-commerce and furniture

The emergence of the Internet and the consequent information explosion has revitalized and energized the kitchen furniture industry all over the world. These manufacturers make use of the Internet extensively to offer tailor-made solutions to their clientele. Its just not kitchen furniture that is selling like hot cakes but integrated kitchens, custom-made kitchens, kitchen cabinets and many more food storage alternatives. These manufactures are sure poised for a great leap forward in the near future.

Kitchen furniture manufacturers with their innovative ideas, refreshingly different design and impeccable execution have managed to carve a niche for themselves in the hearts and minds of customers. They have developed an uncanny ability to understand the client’s requirements perfectly and find flawless solutions for them. Only they can ensure the perfect balance between fashion and function, always.

Find Your Ideal Holiday – Villas and Cottages

Thinking about the right holiday accommodation for you ? We will discuss ideal holiday villas, good reasons to choose a villa and some of the drawbacks. When choosing a villa what are some of the important but less obvious considerations.

Choosing the right accommodation is the first key to a great holiday.This is not as straightforward as you might think and is worth putting in some thought. At the moment choosing a villa appears to be a very popular choice, there are some pros and cons that you should consider before going this route.

Fundamentally a villa is self catering accommodation. Yes, self evident you might think. Why do you want self catering accommodation?

  • Choice: I can cook what I want, when I want and still eat out too. Useful for say breakfast, especially perhaps with a large or young family (it gives you extra flexibility).
  • The kids can have separate rooms from the adults.
  • There are more living areas – the adults can spend evenings here – while keeping an ear open for the children. Often there will be T.V.s and DVD machines to help keep the kids amused.
  • Private pool? You can have a pool but without lots of other families (hell is other people or hell is other people’s kids – quite likely).
  • More flexibility and cost effective for large groups.
  • Villa can be more picturesque: you can choose locations that are less heavily populated or touristy.
  • Personal privacy.

Some good reasons to choose a villa. Now here are some reason to think again.

  • Self-catering also means all the effort that goes with it: buying the food, preparing the food, cooking the food and cleaning up afterwards. The Last time we did this one of the things we really noticed was the number of times we had to go shopping, we were always running out of something or needing stores for the next meal.
  • There are no chambermaids so you have to tidy up after yourselves.
  • Private pool: will it be up to scratch; how big is it ? What about keeping an eye on the children – there are no lifeguards. A surprising number of people drown every year in private swimming pools.
  • The kitchen is unlikely to be as well equipped as your kitchen at home.

With this in mind we have put together some points to think about if you are choosing a villa.

  • If one of the main reasons to go on holidays is to get away from the daily chores in life -then a hotel does this more effectively.
  • Location – if you are going to be self catering check the location of nearby shops
  • Check information on nearby resorts and beaches. this will give you a feel for the area. The last villa we stayed in was excellent but good local restaurants were thin on the ground as it was next to the German version of Magaluf.
  • Pool – try and check on size and quality. This gives rise to more complaints about villas than any other factor.
  • Be aware if you make a private booking through the internet: you will probably have pay by cash. Therefore you will have very little recourse in the event of complaints.
  • If you are planning to eat out a lot it could be more cost effective to go half or full board at a hotel even with 2 or 3 rooms.
  • Inspections of all villas and cottages is only as reliable as the local laws and the strength of any inspections provided by the company you book through. There could be unforeseen hazards and dangers in the property you book (ranging from faulty boilers, dangerous electrics to cracked and broken paving).

For further discussion about the ideal holiday accommodation for you visit Findholidays4u.com.

If we haven’t put you off booking a villa, then to ensure that you have maximum comeback and the best chance of getting the quality of villa or cottage you require then book through operators with a reputation to lose. In my next article I will discuss the pros and cons of staying in hotels and some of the main considerations when searching for your ideal holiday hotel.

What Is The Difference Between A Private Villa And A Holiday Apartment?

There are so many things that one has to take care of when planning a holiday; choosing the destination, finding the best airfares, making a list of to-do things, finding suitable accommodation, packing your bags, etc. Of all these, finding the right accommodation is crucial as it can make or break your holiday experience. Depending on one’s needs and budget, there are several options to choose from – like hotels, holiday apartments, luxurious private villas, or, if the budget is tight, some people opt for hostels. Many people who have a decent holiday budget are often in a dilemma about whether they should go for a private villa or a holiday apartment. Both are great options and by the look of it it may seem that there is not much difference, but in reality the subtle differences between these two accommodation types can make a great difference to your holiday experience.

To start with, let us first understand exactly what villas and holiday apartments are comprised of.

Holiday apartments basically range from studios to, at most, three bedroom units and are generally within small complexes. Like hotels, they offer a shared pool facility. Such an accommodation option comes with a functional kitchen or kitchenette that can come in handy if you would like to do some of your own cooking. Cleaning services by maids are offered by most while some apartments also offer an additional cook service. All in all, a holiday apartment is much like a hotel except they have a kitchen for guests to use.

On the other hand, a villa is usually a free-standing private residence which is often rented to holiday makers for certain periods of time. The sizes of villas and their features and amenities may vary considerably depending on the location. For example, villas can range from one to eight bedrooms, and they often come equipped with a private pool, fully equipped kitchen, large terraces, spacious living rooms, dining areas, patios and lawns. Some also have a kids’ playing area or recreational rooms. Most villas often provide full staff for housekeeping, cooking, etc.

A villa holiday makes for the ultimate luxurious and opulent holiday experience. It offers you the comfort and amenities that only few accommodations can match. Imagine not having to put up with the constant noise from other guests staying in the same holiday apartment complex. Imagine having a swimming pool all to yourself, and not having to follow any pool timings. A villa is essentially a home away from home. The best part is that a villa need not cost you significantly more than a holiday apartment. Whatever little extra you might have to pay is justified by the amenities and facilities you can take advantage of in a villa. In fact, if you are holidaying with a large group, the difference in cost can be nullified easily by splitting the cost.

There are times when the holiday experience matters most and if you can get it by paying a little extra, it makes total sense. For a memorable holiday experience choose a villa holiday over a holiday apartment any day.

A Vacation Guide to St Barts Islands and Hotels

Location

Being a part of the French West Indies, St. Barts is located in the north of the Lesser Antilles near St. Kitts/Nevis and St. Martin/Maarten. Being located at 17.55 North and 62.50 West, this island is basking along the water on the way from Paris to New York.

It is a small island with a size of only 8 square miles. The name of its capital city is Gustavia. The main language is French along with some English spoken people.

Being a volcanic island, its rocky surface is inappropriate for agriculture. However, its craggy coastline fringed with radiant sand makes it one of the hottest tourist destinations. It has a parched tropical maritime weather with hurricane threats from July to November.

Culture and History

St. Barts has a history of being ruled by Carib Indians and then by European colonial powers. The history has a touch of Swedish heritage too, as this island was a Swedish outpost during the 18th century. However, apart from the name of the capital city Gustavia, only a few Swedish remainders can be found today. In reality, the island is heavily influenced by French style. Here, the humble locals and the monied tourists are amalgamated in a chic but discreet setting.

Attractions

St. Barts does not offer superficially attractive visual images. In fact, you have to taste it in order to explore the true attractions of this place. However, it is not totally devoid of sightseeing. You can visit historic sites in Gustavia including the Fort Gustav and the Wall House Museum. In order to have a glimpse of the traditional Norman culture, you can take a visit to the fishing village of Corossol. The Inter Oceans Museum, which has a huge collection of seashell, is also worth seeing. Apart from that, St. Barts offers a number of water activities that you can enjoy at any time of the year.

Beaches

It will not be an exaggeration if you call St. Barts an island of beaches. More than 20 beaches are lying in this small area. Each beach has its own attractions. So, you can choose to visit one or a few according to your mood and purpose. Here, you will have bustling beaches like Grand Cul de Sac and St. Jean; private beaches like Gouvernier, Grand Saline, and Flamands; truly secluded beaches like Anse Colombier; nudity-allowed beaches like Grand Saline and Anse du Gouverneur; and family friendly beaches like Marechal and Shell Beach.

Nudity-allowed, topless, and clothing-optional beaches are favorite tourist spots. Topless sunbathing is allowed even in family friendly beaches. However, public nudity is not allowed on the island.

Events and Festivals

In St. Barts, a few Swedish holidays along with a number of French ones are observed locally. The locals have an inclination for music, films, and sports. The annual music festivals are held in January and August and the Caribbean Film Festival is celebrated in April. The St. Barts Volleyball Cup Tournament in July also draws huge crowds. Apart from these events, Mardi Gras or costume parade in February, Book Festival in March, Voiles de St. Barts or yacht racing in April, West Indies Regatta or the Caribbean sailing festival in May, Feast of the Community in July, Sainte Barbe or grand parade in December, etc. are a few among other important festivals and events.

Sports

St. Barts offers a range of sports activities for both the tourists and the locals. You can enjoy hiking, tennis, volleyball, etc. along with participating in training of archery and martial arts. It is also a fertile ground for enjoying water activities. In fact, a St. Barts trip cannot be imagined without enjoying a range of water sports like snorkeling, jet ski, diving, sailing, bottom boat, kite surfing, and surfing. It is also a good place for big game fishing lovers.

Hotels and Resorts

The hotels in St Barts are mainly independently owned that are built on small properties with dozen rooms or more. In fact, the largest hotel of this island has not more than 76 rooms. However, St. Barts offers a special opportunity that none other Caribbean Island does. You can rent a private villa here apart from booking a hotel room. However, keep in mind that there is no bargain on the rates, which can be ranged from modest to stratospheric.

Some resorts offer a range of finest spa services of the world. Professional beauticians lead these spa parlors. So, you can expect nothing but exclusive spas from them.

Restaurants

As a true bridgehead of French cuisine in the tropic, St. Barts offers an array of upscale French and Creole restaurants to its residents and visitors. Apart from seductive French style and casual Caribbean, simple culinary traditions are also prevalent here. St. Barts is actually a destination for good food lovers where they can go anywhere from small family restaurants to great gourmet ones. You can taste a number of different foods ranging from traditional cuisine made of vegetables and fish to fusion cuisine prepared by blend of different cooking styles around the world. The regular dish of local people is roasted or fried pancake that is taken with fruits, vegetables, and fish found on the island.

It has some reservations-only restaurants too mainly for the celebrities who want to avoid cameras. Local markets and shops are also popular, as a number of people prefer living in rented villas and either cook themselves or employ cooking staff.

Nightlife

St. Barts is not popular for holding party events. However, some hotspots are there where young and rich people can spend fun time. The capital Gustavia has the famous Le Select bar in which Jimmy Buffet got the inspiration of his song ‘Cheeseburger in Paradise’. Gustavia has a number of discos too including Le Petit Club, Le Feeling, Yacht Club, and Casa Nicky. However, to most people, a St. Barts nightlife means taking a late night dinner before returning to their private villa.

St. Barts is ideal for an excursion, an island trip, or a cruise at sunset. It has its own charm and personality with pure arcs of white sand fringed by turquoise warm water and rich marine life sheltered by coral beaches and seagrass beds.

Choosing the Best Furniture From Kitchen Furniture Stores

One of the most important rooms in your home is the kitchen. Furnishing your kitchen appropriately will give it a social environment. You can always create some quality time in your kitchen with your friends and relative. The kitchen has many uses ranging from entertaining guests around the kitchen table to cooking. The furniture you put in your kitchen will have great impact on the appearance of the room. Thus, when you venture into kitchen furniture stores, ensure you select the right furniture.

You could visit different kitchen furniture stores and compare the items on offer. You could buy the furniture online. As you evaluate the various options, consider the available space in your kitchen. Also have your budget in mind and search for furniture options that fall within your budget. What are the main types of kitchen furniture you are likely to need? You will probably need some kitchen chairs, kitchen carts, tables, bar stools and racks. Having the right furniture will make it easy for you to carry out kitchen chores comfortably.

Ensure that the kitchen furniture is made from the right materials. You could be in need of a kitchen cabinet from the kitchen furniture stores. Start by examining the face of the cabinet. These are the parts that are visible from the front of the cabinet. The wood that has been used should be of high quality. Examine it to ensure that the wood does not have some knots, sanding scars or some grain irregularities.

When you are investing in kitchen tables, ensure that the table is large enough. It should accommodate your family members as some people eat breakfast and other meals on the kitchen tables. The surface of the table also matters. Tables with an impermeable surface are preferable. Spillages are very common in the kitchen. Permeable tables could get stained when drinks pour on them. Tables that are resistant to stains will give you more freedom and help you work at ease.

What technique should you use to choose the best furniture in the kitchen furniture stores? How about testing furniture before you finally buy it? If you are buying some kitchen chairs, sit on them and assess their comfort. Most furniture dealers will allow you to test the furniture to enable you make an informed purchase. You could go for ready made or custom made furniture. The ready made furniture is readily available in the online and onsite stores. The custom made furniture is developed to meet the specifications of the buyer.

Renting A Chicago Apartment

Illinois’ capital city and the largest city in the state, Chicago is a very well known city in the US and the world. A prominent economical hub of the Midwestern region in US, it houses the world’s second busiest airport, Chicago O’Hare. It also is home to some of the biggest corporations like Baxter International, Abbot Laboratories, etc. Financial institutions flourish in this part of the world with the presence of the very famous ones like Federal Reserve Back of Chicago, Chicago Stock Exchange, etc. With such a strong economy, it attracts a lot of relocations from various parts of the world giving rise to a flourishing real estate market.

People coming into the city typically look for a good place to leave and most likely will chose apartments that have all the basic amenities to lead a comfortable life. Most of the Chicago apartments offer all kinds of latest amenities that one can possible ask for at reasonable monthly rents.

If you are looking for Chicago apartments, then it is ideal for you to search on the Internet because you will come across numerous options that perfectly fit your budget. Chicago apartments offer all the latest amenities that you can expect from modern state of the art condos and villas. However, it is better to choose a studio apartment in some of the best areas across the city because of transportation and easy accessibility.

Chicago, Illinois apartments are quite reasonable in terms of rent, if you compare with the tons of features they offer. You can choose N. Wolcott Southeast studio apartment for which you will only have to pay around $815.00 per month. This studio apartment provides free cooking gas and you will have to pay security deposit for half month. It has 2-1/2 large studio rooms along with hardwood flooring, high ceilings, bay windows and big closets. It is close to Winnemac Park and has close by train stations. This apartment has all the latest amenities such as intercom security, digital cable, storage lockers, playground, full time janitor, ownership and management facilities, excellent public transportation, close to restaurants and shopping malls, parking zone, etc. This apartment is one of the best among the Chicago, Illinois apartments.

Three bedroom large apartments in Chicago will cost you little more than the previous one. The rent of these apartments can be anywhere around $895.00 per month. You can check out 4623 N. Lincoln apartment with square-one bedroom having hardwood floors and tall windows. This apartment is situated close to restaurants, train stops, Welles Park. This apartment is located right in the heart of Lincoln Square having spacious 3 room one bedroom along with kitchen, dining room and excellent storage facility. These 3 room one bedroom apartments in Chicago has all the latest amenities like the studio apartments except these are more spacious.

If you are willing to spend more than the studio apartments and 3 room one bedroom apartments, then extra-large one bedroom apartments in 4239 N. Hermitage can be ideal for you. These types of Chicago apartments for rent will cost you around $1295.00 per month. This apartment is more like a gorgeous castle having huge one bedroom, formal dining room, huge walk-in closet and brand new kitchen counter top. It is situated near to Cubs Park.

You can also opt for a studio apartment in W. Winnemac, which is a ready to move in apartment. It will cost you around $785.00 per month, which is very close to Winnemac Park. One bedroom apartments like the one in W. Belle Plaine is one of the most desirable apartments to live, which is situated nearby Kedzie Avenue Brown Line train station. It is can cost you anywhere around $835.00 per month. These Chicago apartments for rent have all the modern facilities that one can possibly ask for.

Kitchen Wall Design – Tips And Notes

The kitchen wall design could always be decorated in such a way that it exudes a feeling of coziness, warmth, homey, and inviting mood. The space offered by the kitchen area is also a big deal that you have to take note of. For you to carry on with the spacing scheme of your kitchen, try looking at these tips and notes.

Try hanging the pans and pots there on the kitchen wall. This is most appreciatively done if your pots and pans come in pairs or sets. You need to simply place hooks there on the walls and then hang those handles with the bottoms of the utensils facing downwards. This is also one good way of organizing and saving some space there on the kitchen area. The best place to hang them is above the cooking stoves.

Put the hotpads and the potholders on the wall too. If you prefer not to put on display your pots and pans, then just have your hotpads and potholders hanging. They may act as good ornaments for the kitchen too provided that they are clean.

Place the trivets on the kitchen wall. Antique trivets would look good on the kitchen walls. Match the colors and patterns of those so that they create a good sight.

Other utensils that you may hang on the kitchen walls are the can openers, coffee mugs, measuring spoons, measuring cups, and a lot others. Not only do you save space but you keep them within reach as you work your way in the kitchen.

Another way of working on with the kitchen wall design is by having the kitchen wall tiles. There are plenty of kitchen wall tile designs too. You could choose from the vertical or horizontal arrangement of the kitchen wall tiles and have the colors clearly blending onto with the backsplash.

One interesting kitchen backsplash to use is the ceramic kitchen tile placed in between the plain field of tiles with unique styles and colorful patterns. You could employ different colors that would match with each other so that your kitchen wall would look as creative as possible.

Kitchen wall designs are of your own choice. If you wish to be creative, you could always do so. Experiment and enjoy the mood exuded by your kitchen at all times.

Get Paid to Travel – Five Careers in Travel That Pay

Want to get paid to travel? There are dozens of careers in travel that are not only rewarding, but also pay well.

Some of these opportunities involve finding a salaried or hourly wage-paying job, like becoming a traveling nurse, an airline hostess or pilot, a traveling chef, a cruise ship worker, yacht crew member, a massage therapist or hospitality worker at a resort.

There are several other travel careers that are easy to enter, let you go wherever you please, make money as you go, and even earn royalties for years from the work you do today.

Not only that, but you have the choice whether you want to make this your full-time occupation, or only a part-time travel job, when you have the time and desire to see the world, and make money doing it.

Get Paid to Travel Career #1: Lead Tours for Fun and Profit

Do you have an interest like yoga, wine tasting, cooking (or simply eating), writing poetry, painting, coffee, art history, or snorkeling? If you have a hobby, an academic interest, or particular expertise, you can find people with similar interests to pay you to take them on vacations with you.

Know something about wine? Lead a tour of wine country in Argentina, Italy, South Africa, even Morocco or China.

Get paid to lead tours to your favorite places in the world, or to the places you have always wanted to go.

Though you do not need to become a travel agent to lead tours for profit, you can make more money if you do have the ability to book the airfares, cruises, and accommodations of your clients yourself.

Get Paid to Travel Career #2: Make Travel Videos

Video sharing sites like YouTube are very popular, and resorts will pay you to create videos for them in the hopes of getting more business.

There is very little barrier to entry in this field, and not much competition. In fact, you can get started with a Flip recorder, or even the video camera on your phone. If you have $400 or $500 to invest in a quality digital video camera, you can make even more profit by creating travel videos to sell on Amazon.

You will need a laptop and some video editing software – and the desire to have complimentary stays at some of the world’s best resorts while they pay you to work!

Get Paid to Travel Career #3: Write Travel Articles

If you can write a postcard, then travel writing may be the career for you. Many publications look for short reviews of restaurants and hotels from new writers. Then, as you become more established, you can get paid more for longer articles.

Better yet, often resorts, hotels, restaurants, and other travel-related businesses will offer you their services at no charge in return for a review.

In most cases, you can republish the same article a number of times, drawing a check each time the article is printed in a different publication.

You might at some point want to write a travel guidebook, for which you could earn royalties. You can also publish your articles on web travel directories that share advertising revenues with writers.

Get Paid to Travel Career #4: Sell Your Travel Photos

There are several ways to make money with a career in travel photography.

You can combine travel writing and photography to earn more by submitting photos with your articles.

Also, you can upload your photos to online stock photography sites, and every time someone buys your photo from the agency, you earn a commission.

Even if you don’t have your own website, you can sell your travel photos online in a number of ways. You can sell prints of all sizes, posters, postcards, calendars, screen savers, even t-shirts and coffee mugs with your images on them.

You can also sell your work as fine art from the walls of coffee shops, restaurants, and galleries.

Get Paid to Travel Career #5: Start a Travel Publication

With your own website and newsletter, you can combine as many of the above methods as you want. You can publish only the content you create – articles, photos, and videos – or you can invite others to submit their work to your site, too.

Having a quality website gives you instant credibility and immediately establishes you as an expert in your field, whether it’s luxury travel, cruises, coffee, yoga, wine, or any other interest.

You can make money through advertising, promoting your tour business, selling your photos, and by referrals to hotels and other travel businesses.

These five careers in travel can not only help you get complimentary stays in resorts all over the world, but they also allow you to actually get paid to travel.

Nursing And Allied Travel Jobs – The Real Story

THERE’S ALWAYS TWO SIDES TO THE STORY!

I’ve been a medical traveler for many years now and have had numerous occasions to review a large number of Travel Company web sites. Most of them contain some type of Q & A section that explains how they work and what they offer. I’ve found that the information given, while accurate, is very incomplete.

Most of what I’ve learned about the medical travel industry has been learned through the proverbial School of Hard Knocks. It occurred to me recently to write an article that expanded on the usual information given on medical travel websites, an article that presented (as Paul Harvey used to say) the “Rest of the Story.”

And so…here we go!

SALARY

Travel Company: On their web sites Travel Companies usually state a salary range that they offer depending on the type of position, your area of expertise and your experience.

Rest of the Story: What you are initially offered for a travel assignment is usually not the top dollar that is available for that assignment. Most travelers merely accept what they are offered believing the “deal is the deal” for that particular assignment. I used to do that too… but not any more!

You especially limit your chances of getting the best salary for your assignments if you choose to register with only one travel agency. When you do that, you give away all leverage to negotiate for better pay. I am always registered with multiple travel companies so I can compare several potential assignments at once and negotiate for the best over all packages.

There are numerous other “pitfalls” when it comes to getting the most compensation for your travel job. For example, it behooves you to clarify the stipulations for receiving certain types of bonuses and whether you must work solely for one company to earn those bonuses. Again, if you work for only one company, you may unknowingly forfeit higher compensation in other areas of your benefit package in order for the company to offer you those bonuses, in which case they can hardly be called a bonus.

Remember, you can always, “work your best deal,” (negotiate) with several companies while still remaining highly professional. In addition, knowing how to ask for more will telegraph to a recruiter that you know your business and will position you to receive the best offers.

HOUSING

Travel Company: Travel companies always state they will provide you with fully furnished housing while you are on your assignment.

Rest of the Story: You may be asked to share a two bedroom apartment with another traveler, even a stranger, who is working at your same location unless you know you can request a one bedroom separate apartment.

Some travelers have been “required” (because they merely accepted this arrangement) to live in an extended stay facility for the entire 13 weeks of an assignment. This is very cramped quarters and becomes extremely wearying after just a couple of weeks.

I have seen travelers deal with other conditions that were very undesirable such as having their housing located too far from the hospital. I had this experience on one assignment (before I learned to clear all that up in advance!). Each morning I had to make my way through 10 miles of early morning rush hour traffic to reach the hospital.

In addition, fully furnished means different things to different people. If you don’t know what to ask for in advance you can be stuck with things like a poorly furnished kitchen (only a few sad looking pots and pans for cooking) as well as sparse and unattractive furniture (an ugly green sofa and purple chair spring to mind).

Knowing what your options really are and how to ask for them is paramount to having a comfortable, safe, convenient and enjoyable living arrangement. Multiple considerations are there for the asking, but you definitely have to ask. By clarifying in advance what I need and expect, and by applying simple to learn negotiating techniques I’ve perfected over time, I now receive the very best housing accommodations on all my assignments.

GENERAL BENEFIT PACKAGES

Travel Company: All travel companies offer a variety of benefits besides housing and salary which can include per diem pay, travel expenses, bonuses, clothing and equipment reimbursement, insurance, continuing education, 401 K’s, etc.

Rest of the Story: Travel benefit packages are definitely not all equal! For instance, one travel company’s insurance coverage may not start until 30 days after you have begun your assignment versus a policy offered by another company that becomes effective the first day on the job. These and numerous other “small print” concerns can come back to bite you if you’re unprepared!

I’ve also talked to nurses who were never offered per diem pay (the average is $30.00 a day or $210.00 a week) but others were receiving it simply because they asked for it! Some were told they could elect to have per diem pay but would receive fewer benefits in other areas if they chose that option. However, that was not the case for other travelers who refused that trade off. I know I continually receive per diem pay on ALL my assignments without sacrificing any reduction in other areas of compensation.

To make your travel experience the most lucrative and enjoyable, it pays (literally!) to know what is available as well as how to access those top of the line benefit packages.

TRAVEL PROVISIONS

Travel Company: Travel companies offer a variety of ways to cover your travel expenses. If you are required to fly to your assignment, your flight costs will be paid in advance and your travel itinerary arranged for you plus a rental car will be provided once you arrive at your destination. If you are desirous of driving your own car to your job site, you will receive mileage compensation and/or a flat fee amount for travel expenses.

Rest of the Story: Travel companies can save a lot of money by booking you on flights that leave or arrive at undesirable times of the day or night or that re-route you all over the place, necessitating you change planes frequently.

I had that experience early on in my travel career (oh what a novice I was then!), when after 3 stops, and long layovers, I finally landed at an airport at 1 am in the morning that was a full two hour drive away from my job site! Just to add to the misery, after that two hour drive in the middle of the night I arrived to find the hotel booked for me was the ultimate rat’s nest with a stuck heater system that turned my room into an unbearable steam bath.

I also have some rather interesting stories about the type of cars that were rented on my behalf (tin can anyone?). Fortunately I’ve learned how to avoid all those nightmares and now travel comfortably and at reasonable hours.

The point is that if you don’t know your way around the available travel options, plus know how to negotiate for the best travel considerations, you can have some pretty nasty travel experiences.

JOB LOCATIONS

Travel Company: Travel companies paint a somewhat glamorous picture of the places you can travel and the wonderful experiences you can have.

Rest of the Story: If you’re a traveling novice there is a very good chance you will end up in some out of the way place or hospital that is anything but glamorous. Travel companies are anxious to fill whatever positions that present (after all, that’s how they make their money!) and so they can offer less than desirable job locations to those who don’t know how to navigate the system. That certainly happened to me the first time I took a travel position. I landed in a miserable little town with a very boring job assignment. It made for a very long 13 weeks!

Just knowing you might get dealt the “low end of the deck” if you’re new to the game can help you avoid something really dower. However, even seasoned travelers are often not getting the best assignments that are available. Thankfully, over time I’ve learned what to ask for and what to avoid, and more importantly, how to spot a bad job location no matter how many bows are on the package.

THE BEST JOBS

Travel Company: Travel companies accurately state that a recruiter will contact you about a job opportunity and will give you a general overview of the job, its requirements, and what salary and other benefits are being offered. You will also have an opportunity to ask whatever questions you wish concerning the position.

Rest of the Story: Recruiters are going to provide the basics of the potential job assignment to you but they are not going to go into any great detail unless it is in direct response to your questions. You should also be prepared to ask pertinent questions of the hospital representative if you should decide to interview for a position presented to you by the recruiter.

I remain astounded at the number of even experienced travelers that either do not ask many questions concerning a potential job assignment or don’t know what to ask to find out the “nitty gritty” of what the job really entails. As a result, there are many travelers who are quite “surprised” (and not in a good way!) about the real facts once they reach their job destination. And of course, like it or not, they are bound by a legal contract to fulfill their assignment.

Just by asking the number of staff that will be working on your floor or in your department, the number of patients or tests you will be expected to oversee or perform, and the ratio of permanent and travel staff, you can begin to get a definite feel for what you will encounter. Recently while considering a position, I was able to ask those questions plus several others that revealed there had been a recent “uproar” in the department with people leaving in mass, leading me to decide not to jump into the fray.

I am always being treated to the latest horror story concerning jobs that were anything but what they were thought to be. That doesn’t have to be your story if you learn the right questions to ask in order to get the real picture.

IN CONCLUSION

As you can see, knowledge is power! Without it, you’re in for a very bumpy ride in the medical travel world. I’ve explained just a few Q & A areas where travel companies are only giving you the basics of the process. Unfortunately, relying on “just the basics” will have you collecting a few horror stories of your own!

Tips for Buying Kitchen Furniture and Accessories

A perfect kitchen furniture is not bought because it just looks beautiful in the furniture shop just to find out that when you brought it in your house it looks ugly in your kitchen, and what’s worse is that your family members are not happy about it.

What does it take to find a perfect kitchen furniture? All we need is just 5 easy steps.

1. Ask what are your family’s preference.

The kitchen, like all other parts of the home, has to be decided as a family, not an individual because all the members of the family use and benefit all that there is inside the home. Ask your family members what furniture should be bought. If two or more declines on your choice ask why, then change your preference if they are correct. This is to make sure that no changes will happen after you bought the kitchen furniture and also helps you with your budget.

2. Measure the size of your kitchen.

Measure the area of your kitchen then bring it with you when you are buying your kitchen furniture. For a hassle free buying, draw a layout of your kitchen to visualize the actual location of your chosen furniture.
If you are to replace your old kitchen furniture, measure the size of the furniture to match the replacement furniture that you will buy.

3. Prioritize essential items first.

Kitchen counter, kitchen rack, and dinnerware are just some of the kitchen essentials. In order to gain idea about the essential kitchen furniture and accessories, ask yourself these questions:

Is it possible if the kitchen doesn’t have it?
Can it be used for cooking?
Can it be used for preparing the food? If it does what are the usual foods that your family want?

4. Choose furniture with a fireproof finishing

A fireproof kitchen furniture does not keep make our kitchen be immune in fire but it helps keep the fire from starting by preventing smaller flames to spread out. Fireproof kitchen furniture are expensive but it pays to be prepared.

5. The furniture should match the kitchen theme.

Creating a new kitchen or doing some kitchen improvements? It pays to keep the whole kitchen setup clean. Do not just buy a furniture or accessory because it looks beautiful when you see it in the store. Match the theme of your current kitchen so that the furniture or accessory will not look out-of-place. A furniture or accessory, no matter how beautiful it is, will look ugly if it is not a match to an organized theme.

Learn English Easily at Home

It is the hope of many people, whether for personal or professional reasons, that they will be able to learn English easily. The very idea of learning a new language can often make even the most capable learners nervous. Fortunately, there are people who learn English well every single day, and with the right planning and work, you can be one of those people

Make a Plan
Although no one can guarantee that you will be able to learn English easily with any one particular method, it can definitely be guaranteed that without planning in advance, you will not learn English very easily at all. Whether you plan to learn English by natural methods such as watching English television, listening to English radio, and conversing with people in English as much as possible, or you prefer a more study oriented approach such as taking an English course, or perhaps a combination of the two methods, if you don’t have a clear plan and goals, learning English will not come easily.

Organic Language Acquisition
Organic language acquisition is a natural method of learning a language the way a child might learn to speak his or her native tongue. This is a very natural language learning method, and if you are able to totally immerse yourself in the English world, you will certainly be able to learn English easily. Immersion in the language requires that you do not speak any language other than English. To practice this method, watching television, listening to the radio, reading magazines and newspapers, cooking from recipes, and following various verbal and written instructions, should all be in English. This is particularly effective for non-English speakers who have recently moved to an English country.

Curriculum Based Language Acquisition
For those who prefer a more structured environment when learning English, curriculum based language acquisition might be a good choice. Many people are able to learn English easily by enrolling in an English class, using at-home English learning computer software, or listening to an English language instructional course on CD while driving in their cars. There are also many workbooks, flashcards, and self-tests that can be used to support this method of learning English

Combination Approach
For most people a combination of the above two approaches is the fastest and best way to learn English easily. If a person only goes to classes but never engages in real-life conversations, they will have a very difficult time becoming totally fluent, and a person who is immersed in a language verbally but never learns the specific grammatical rules will not be able to use his or her English in a professional setting very effectively. Therefore, if possible, the English learner should engage in a curriculum based approach to learning English, but should also be sure to engage in conversation with and listen to native English speakers as much as he or she can manage in order to facilitate the quickest learning possible.

Quick Tips
If a person is determined to learn English easily, he or she should also be sure to adhere to certain guidelines that will help them in their mission. First, be certain that your family, friends, and colleagues all know that you are trying to learn English, and that whenever possible, they should speak to you in English rather than your native tongue. Secondly, do not focus on just a single element of language acquisition at the expense of others. For example, it is not advisable to only attempt to speak the language but neglect to read it, write it, or listen to it being spoken. In order to be successful at obtaining fluency, a person should be attentive to all the different language elements.

Because English is one of the most widely spoken languages in the entire world and can be instrumental to a person’s personal and professional success, it is no wonder that there are so many people intent on learning to speak it with fluency. With the right planning and a lot of determination, anyone can learn to speak English quickly and easily. Combining an immersion approach with a curriculum based program will afford almost anyone the right foundation for a lifetime of speaking English. As long as the English makes a concrete plan with a set goal and adheres to it, he or she will be speaking English in a very short amount of time.

Eldercare Solutions For the Sandwich Generation

Ava has flute lessons at 4:00. Dad has a doctor’s appointment at 5:00. And you have no clue what you’re going to whip up for dinner. As a member of the sandwich generation-those who care for both their children as well as their aging parents-you’re in a unique situation. You’ll feel stress in your mind, your body, and even your pocketbook. This guide will help you assemble an eldercare solutions team that can make you feel a little less sandwiched.

Non-medical in-home care
In-home care providers are a favorite solution for many children caring for aging parents. These companies offer a wide variety of services designed to enhance to help your parent in the tasks of everyday living. Professional in-home care can provide assistance with bathing or toileting. They can also perform light housekeeping, such as changing linens or unloading groceries. What’s more, these companies offer companion eldercare solutions services. That means Dad has someone to play checkers with while you’re at a day-long conference.

Adult day care and other senior activities
From day trips to the local tourist trap to water aerobics, you can find a number of local services to keep Mom or Dad active. Church groups and social service agencies are two good sources for activity-related eldercare solutions. Your local agency on aging can also provide a list of resources for you to contact.

Family and Friends
Many of us have a circle of family and friends-and when it comes to caring for aging parents, it’s important to tap into that resource. Have a family meeting to decide how each person can help. Maybe your retired Aunt can become Mom’s taxi service. Perhaps your spouse can take over cooking one night a week. Teens can take on responsibility, too, by picking up prescriptions or taking over one of your typical household chores.

Even if your family consists simply of you and your aging parent, you can still find solutions to make your life less stressful. For instance, ask a neighbor to watch a movie with Dad while you slip away for dinner. If help with household stuff will help make caring for aging parents easier, ask a church youth group if they’d be willing to trim the fire bushes. Have a neighbor with a ladder? Exchange a home-cooked meal for clean gutters.

Professional Services
Caring for aging parents comes with a price tag, especially if you’re part of the sandwich generation. Experts estimate it costs more than $16,000 a year to pay for child care and elder care. That’s why it’s important to enlist the help of professionals who can help guide you through the numbers. Consult a financial advisor who has experience in eldercare solutions.

Remember to ask your parents about getting legal advice regarding living wills and medical powers of attorney. Putting these documents into place now, when your parent is still relatively health, can save the family future heartache and conflict when a serious illness strikes.

Don’t let the stress of raising children and caring for aging parents take its toll on your life. By planning and finding the right kind of help, you can find an eldercare solution you and your aging parent can live with.

The Five Minute Guide to Kitchen Furniture

There are some rooms in the home that are more important than others. The kitchen stands out as just such an essential space, where a lot of time is spent and where the room itself is put to fairly rigorous use on a daily basis. With such constant use, everything from cleaning to cooking anything that can be done to improve the experience should be done.

It stands to reason a kitchen should be a nice space in which to work. The kitchen is one of those rooms that makes a big difference to how you feel about your home, if only because it is used so much. A nice kitchen, especially one that you can sit and relax in while eating breakfast or talking to your partner while he or she cooks dinner makes all the difference, not just in your home, but in your mood and even your energy levels.

Having kitchen furniture fully fitted, so that all the cabinets fit in like jigsaw pieces and are flush with the walls, is standard practice. It is the usual route taken when decorating a kitchen, though not the only possibility. Major benefits include the fact that the kitchen has more space opened up, more storage space, and of course has a tighter overall appearance.

Asides from the tightly packed fitted kitchen, there are also free standing kitchens. These use individual items of furniture and have the plus that they can be moved around. The downside to freestanding kitchens is that they waste a lot of space. In the olden days, all kitchens followed the freestanding furniture model, but as time progressed fitted kitchens became the standard. Certainly it can detract greatly from the value of your home if the kitchen isn’t fitted due to the way it’s seen by home buyers and agents as being a modern essential.

Being easy to assemble, factory produced kitchen furniture has become very common and can be installed very quickly by trained professionals. It is made from very ordinary materials, which reflects in the reasonable pricing. Usually MDF, dowels and furniture glue are the main components. These come together to form the necessary layout around which the fitted kitchen is based. Mass produced kitchen furniture is not only cheap, but due to being packed flat is easy to ship to location.

More pricey than regular fitted kitchen furniture are bespoke kitchens where a designer will tailor every aspect of the kitchen to the customer’s preference. The only down side to this service is the price.

No fitted kitchen is complete these days without a kitchen cart as a supplement to the more rigid design of the fitted units. Such a cart adds a great moveable feature to what is of course a very static thing.

Not every kitchen is able to accommodate one, but a kitchen island is a tremendously good way to enhance the kitchen, add extra worktop space, and add an ad-hoc dining area to boot. Many of these come with a bar area for people to sit at one side and cabinets on the other. Not to mention the benefits that extra worktop space create.

Kitchens are of course an important part of modern life. We have not yet transitioned beyond them in the imaginative ways envisioned in technology of the future shows circa the nineteen fifties, but instead of becoming obsolete, kitchens have become a more important part of our lives.

Fashion Styles That Make You Look Taller – Knowing How to Dress to Make You Look Taller

You are one of many people who really want to look taller. You have tried almost everything to make you look taller, but they’re all failed. Well, if you are described by these sentences, just don’t give up your hope. Many people just don’t know that there are some fashion styles that can make you look shorter. So, this article will show you the way to look taller, and trust me, it’s easier than you think.

Before talking about the fashion styles as mentioned, there is something that you should learn about your bone health. Do you ever know that your bone health has a big effect to your height? Well, it has. So, frequently exercise is important, along with having a good food. Avoid doing this can make you shorter than before, really.

Well, you have the right to think that this is impossible. Since when we are first born, we have only gristle, not solid bone. But, as we are growing, this gristle fortify to form solid bones. And when we are teenager, the end of our long bones are plated by the growth of gristle. This helps our growth spurts.

However, if you don’t have any good foods during these important years, you actually can suppress your growth. So, which is the food that I am talking about? It’s easy. Just try to eat foods rich in calcium, amino acids, calories, and protein. This is to make sure that you can grow as much as you can. Especially, when you are teenager because this period has a lot of changes that is important.

When you get older, your bones get weaker because of the lack of exercise and having poor foods. Besides, your bones start to shrink because of the low level of calcium. So, having a good food will keep your bones strong and healthy. Don’t forget to regularly exercise also. This can be helpful too.

Now, it comes to the fashion as previously stated. If you want to look taller, try to wear darker or solid colors clothing, since it covers your waistline. Do not wear white shirt with black pants because this will emphasize your middle. In addition, wearing vertically striped clothing can help looking taller. For women, if you want your legs to look longer, try wearing vertical striped stockings.

Why You May NOT Want to Use Your Health Insurance for Counseling

Why not use your health insurance for counseling? Isn’t that what it is for?

Perhaps.

But using health insurance for mental health services is a little different than other medical issues. Sometimes mental health issues are not covered by your health insurance. Once you use your health insurance for mental health, you will have a mental health diagnosis on file – a mental health disorder/mental health illness must be on the insurance claim in order for insurance to pay for treatment. This will be in your permanent medical record.

Of course you want to consider using your health insurance for counseling, but there are some good reasons for you to consider why you may not want to use your insurance for counseling services.

Why doesn’t my counselor accept my health insurance?

Many counselors choose not to accept health insurance for very good reasons. They want to focus 100% of their time in treating you. If they accept health insurance, there is a lot of extra work involved in accepting insurance, in addition to agreeing to work for a discounted fee. The counselor may spend hours on the phone getting benefit information, authorizations, or following up on claims payments. The counselor has to wait a month for payment from the insurance company. The counselor has to file progress reports with the insurance company. The counselor is required to submit treatment reports and other details about your medical history with the insurance company.

It’s not that counselors don’t like insurance companies, or don’t want you to use your insurance (we have health insurance too!), but many counselors prefer to focus 100% of their time and energy in helping clients, rather than doing paperwork for insurance companies.

But this isn’t the only reason counselors may not be in network with your health insurance company.

The other reasons are more compelling, and you need to consider them BEFORE you decide to use your health insurance.

Many counselors prefer not to work in network with health insurance companies so that they can better protect your confidentiality. Any information (claims, reports, or treatment plans) filed with health insurance leaves the protection of their office and their locked files and your personal, private, emotional information is outside of your counselor’s office. In order for any insurance company to reimburse or pay for counseling (both in network and out of network), you must be considered “ill”. You must be diagnosed with a mental health illness or disorder. If you are not ill enough to warrant a diagnosis, then insurance will not pay for counseling services. If you do qualify for a mental health diagnosis, your illness will be listed in your permanent medical record. Many counselors don’t like this “medical model” of declaring someone ill, so they choose not to accept insurance because they want to focus on their client’s strengths, and not label them as mentally ill.

Do you want to be considered mentally ill? If you have a mental health diagnosis already, because you have been to counseling or psychiatric appointments in the past, find out what your diagnosis on file is. If you already have a mental health diagnosis, this may not be a concern to you, but if not, you may not want this in your medical record.

Counselors also do not like releasing information to others to protect your confidentiality. Once a claim is submitted to the insurance company, who knows how many people take a look at it and rubber stamp it while it travels through the system? If insurance pays for any counseling sessions (in network or out of network), then the insurance company has the right to audit your complete file. They can request copies of counseling notes, assessments, and other personal emotional information to determine if you really are “sick enough” to warrant their payment. They can deny services to you if they think you aren’t sick enough or if they think your counseling is not “medically necessary”.

Additionally, there are many counseling issues that are not even covered by insurance at all. Stress management and anger management are usually not covered. Marriage counseling is usually not covered. Certain medical conditions/mental health conditions may be excluded (such as attention deficit disorder or adjustment disorder). Even if your illness or disorder is covered by your insurance plan, they may limit the number of visits they will cover (sometimes only 20 per year), and they will set a maximum amount they will pay per calendar year or in your lifetime.

Additionally, counselors prefer not to have someone in the insurance company telling them how to treat their clients. Insurance companies can decide what type of counseling is covered, what diagnoses are allowed, and how many times the client needs to come before they are cured. Many counselors prefer to work directly with clients to serve their needs, without interference from an insurance company.

Using your health insurance for counseling services can also affect your security clearance, life insurance rate, employment, or future health insurance coverage.

For the above reasons, I recommend that you be informed about using health insurance for counseling. You may choose to file anyway, but be an informed consumer.

  • Be an informed consumer.
  • Know your mental health diagnosis.
  • Talk to your counselor about the diagnosis.
  • Ask your counselor about your treatment reports.
  • Decide if you have, or want to have, a psychiatric illness.

If you have clinical, severe depression, anxiety, or other issues, then you probably already have a diagnosis.

But if you are stressed, having relationship problems, or trying to figure out your purpose in life, your symptoms may be minor, and you may not want to have a mental health diagnosis in your records.

Once an insurance claim is submitted to your health insurance company, your diagnosis becomes part of your permanent medical record, and can affect future life insurance, preexisting conditions, or the cost of private health insurance.

Classic Home Furniture Styles

Classic home furniture styles endure the test of time. While trends come and go, the materials, construction, lines and proportion of classic furniture ensures that the styles will retain their popularity. Decorating a home in classic designs gives homes a look of permanency, history, and tradition. Here are several house furniture styles that have become classics in interior design.

English Style

The English style is a collector’s dream-come-true. The look features armoires, curio, and china cabinets to showcase collections, frequently those of glass or china. Wood is the prominent material in homes decorated in the English style, from paneled walls and wood flooring, to wood living room furniture and wood-framed bed canopies. The English style also features upholstered furniture in fine fabrics, often with plaid, paisley, striped or floral patterns.

The color palette for the English style includes strong, saturated colors like crimson, forest green and navy blue, as well as a heavy use of gold and golden yellow. Dark wood is favored over lighter woods like pine and oak, and the strong color palette helps balance the deep, rich tones of mahogany, walnut, and cherry. The scale of a large English manor is reflected in a modern use of the style with an oversized mirror, chandelier or floor-to-ceiling window treatment.

French Provincial

French Provincial furniture is influenced by the ornate style of the French Court of the 1600s and 1700s, as interpreted by the period’s less affluent merchants and peasants. The scale, lines and proportions of the home furniture echo those of Louis XIV and Louis XV, but with a decidedly country feel. French Provincial furniture has a handcrafted look, with a heavy use of cane and wicker. White painted furniture also suits the French Provincial style. Strong blues and yellows are popular, as are more muted shades like terra cotta and rose. Home furniture stores may refer to this style as French Country.

Romantic Style

While the Romantic style does not encompass a particular historical period, due to its enduring charm and appeal, the look has achieved classic status over time. A predominant use of fabric dominates home furnishings in the Romantic style. Textiles can include rich, textured fabrics like brocade, but most often feature lighter fabrics, such as silk, lace and chintz. Painted furniture with smooth, arcing lines are popular choices for the style, as is furniture upholstered in floral patterned fabrics. Pastels comprise the Romantic style’s color palette, with white used as a unifying element.

Both online home furnishing retailers and home furniture stores offer a variety of classic furniture designs. When shopping for classic home furniture styles, identify the style by its characteristic use of material, textile and line, to ensure that the furniture you buy best reflects the style’s signature look.

About Oxy Fuel Cutting Machines

Just like welding, cutting is also an important process in heavy duty industries. Cutting is an important procedure as the accuracy and the clean finish is important for any process. When a metal piece of solid thinness is cut, the cutter must make sure that the machine used to cut is as efficient to make a clear cut without any chip or cracked finish. Same ways metals sheets of thinner thickness must be handled carefully. Therefore the importance of a proper cutting machine is equally significant just like a welding machine. Among the other cutting machines, Oxy Fuel Cutting Machines are one of the latest, and let’s see about them in brief in this article.

Oxy fuel cutting is one such procedure which makes use of pure oxygen for the purpose of cutting metal sheets like that of steel. The point behind the procedure is the oxygen that reacts with the steel; this is where the reaction happens which gives rise to iron oxide. The combustion process happens with the help of fire, which actually heats the steel to a high temperature, which is calculated to be just about 1800 F. The 1800 F is the temperature at which the pure form of oxygen used in the Oxy Fuel Cutting machine is made to flow in a steady stream and this reaction is the one that creates the perfect cut.

Oxy Fuel Machines are nothing but metal cutting machines that work according to the above procedure by having oxygen as their fuel. The important point to note down in this method is that. These machines take help of the high-velocity, high-temperature that the oxygen gas gives when heated. The cut is actually made because of the ionized oxygen gas which falls out of the nozzle of the welding machine at a very high velocity. The velocity of the ionized gas is the force that is behind the necessary heat that is provided to melt down the metal sheet. The perfection of any cuts made out of this Oxy Fuel Machines is too high and is the main reasons why technicians prefer these machines for cutting steel metal sheets.

It is not that we have just one single model of Oxy Fuel Machines in the market. There are several kinds of Oxy Fuel flame Machines that are available in the market these days and each has their own specialties. Portable cutting equipment or plasma cutters, shape cutting machines and profile cutting machines are some of the Oxy Fuel flame Machine. If you were thinking that the Oxy Fuel flame Machine are fit only for cutting steel, then you are wrong, you can even cute electrically conductive metals such as aluminium and brass with the help of these machines. As the perfection of these oxy fuel machines is higher they are widely available as shape cutting machines. These shape cutter machines are in general used for the purpose of cutting metals into varied shapes as we desire like circular, flanges, squares, rectangles, straight line and much more.

Building Your Own Talent Pool: 8 Challenges and 8 Possible Solutions for the Banking Industry

Banks manage financial assets and the success of that management is dependent on the capabilities of the persons who manage those assets.

Therefore growth in this sector is dependent on effective management and leadership capacity and dominance in retail services is directly related to the expansion of the branch network through which the bank’s retail products and services are distributed.

The central departments or bank headquarters form the nerve center of the bank by providing direction, developing new products and services, handling high value investments, treasury management and credit activities. However, it is through the network of bank branches that the retail services developed by the central marketing function are distributed. The network of branches acts like the five senses as well as the arms and the legs of the body by sending critical information from the field to the central departments and executing the corporate strategy by successfully linking the needs of the public to the products and services developed to meet those needs.

The quality and the quantity of that exchange between the branches and the central departments have a great impact on the ability of the bank to leverage its products and services in the market. Simply put, the branches are the points of sales for all the retail products and services developed by the bank. Even though sophisticated, high-value products and services are facilitated by the central departments concerned, the ‘retail services’ are the ‘Cash Cow’. A bank’s ability to expand its branch network through which its products and services are distributed is therefore critical to its growth and profitability.

The question arises – “What is that growth dependent on? And the answer is – “It is dependent on the human capabilities available in the form of individuals who have the skills, the knowledge, the experience and the personality to successfully manage newly established branches. Herein lies one of the major challenges faced by many banks: Their need and their readiness to open new branches both in the home country and abroad is frustrated by the scarcity of individuals who are genuinely capable of successfully launching a new branch or ‘turning-around’ an existing branch.

The purpose of this article is to explore some of the reasons for the scarcity and to suggest some things that can be done about it the in the short term and in the longer term.

8 Challenges and 8 Possible Solutions

Challenge 1: There is no training and development program designed specifically to prepare individuals to move from ‘competent employee’ to ‘competent branch manager’ with the requisite leadership skills.

Solution: Identify individuals with leadership potential as early as possible in their careers through various activities and through multiple sources and methods. For example, if ‘leadership’ is identified as one of the core competencies of the bank and it is fully integrated into the appraisal system at all levels, there will be regular feedback through the performance appraisal system. This feedback can be further validated through regular Assessment and Development Centers designed to identify talent in various areas. Once identified, a clear career path should be presented to these individuals and a systematic development program applied to ensure that we not only identify capable individuals but that we retain them. A clear career path with well defined requirements for moving from one position to another contributes very strongly towards the retention of ambitions and talented leaders. When linked to ‘Succession Planning’ there will also be a timeline that ensures adequate preparation for successors and minimal disruption of work due to sudden departures.

Challenge 2: The competition for talented individuals who have the potential to lead is very high because the demand far exceeds the supply. This increases cost because salary levels have to be raised in order to attract and hopefully keep the best talent.

Solution: Recognize that intelligent and talented individuals are looking for something more than just the salary. So make your bank one that attracts the kind of people you want. Intelligent individuals with leadership capability are looking for a credible organization where they can grow and where they are given the opportunity to contribute as well as enjoy the fun and challenge of working in that place.

Challenge 3: The type of person who is good at managing the branch operations and attending to all the administrative details may not necessarily be good at leading and managing a bank branch from a commercial perspective. Therefore the assumption that it is possible to promote the operations manager to branch manager and then bring someone up from the ranks to handle operations is simply not valid.

Solution: Recognize that ‘Work Preferences’ are an even more powerful predictor of job satisfaction and productivity than academic qualifications and experience. ‘Work Preferences’ must be measured, understood and built into career management and staff retention programs. A person who is good at one thing may not necessarily be good at another. The ‘Work Preferences’ that make a good operations manager are the exact opposite of those that make a good branch manager. When Operations Manager and Branch Manager positions are filled with individuals whose ‘Work Preferences’ are congruent with their skills and their roles it leads to complementary. This increases to a high degree the potential for a great performance. Therefore ‘Work Preferences’ should be factored into the recruitment, selection, career planning, talent management, and succession planning and retention programs of the bank.

Challenge 4: The ‘Critical Success Factors’ for the position of Branch Managers need to be redefined so they reflect current market realities. The branch manager certainly needs to have a solid foundation in the banking know-how that brings the highest revenues to the bank – Credit and Trade Finance. There are far too many branch managers that are not really able to discuss business affairs with their more sophisticated clients in a satisfactory manner. Moreover, many are also unable to adequately coach their staff on the effective preparation of credit files or trade finance documentation and credit.

Solution: Develop a rigorous testing and evaluation system in these areas and use it as a pre-requisite for promotion to the position of Branch Manager. In other words, if candidates for promotion to the position of Branch Manager are unable to pass a knowledge test and a practical skills assessment, they will have to develop their abilities and pass the tests and assessments in these areas before their promotion can go through.

This will contribute to building a sense of professionalism in the sector.

Challenge 5: There is little or no emphasis on the essential ‘soft skills’ for branch management. This includes the effective management of people – inspiring, motivating, developing and challenging them to get the best results. The soft skills are underrated in comparison with banking techniques, whereas they are equally important. Here there are a wide range of skills that are vital to success; the least of which are customer relationship management that goes beyond dinners and lunches or funerals and weddings. Business Ethics is another critical area that must receive attention in light of the recent global economic crisis.

Solution: Develop a set of corporate values and a clear set of interpersonal and managerial competencies that are ingrained into the psyche of every employee through an ongoing coaching and mentoring program. Train and develop your managers so that coaching and mentoring is part and parcel of their daily routine. As they communicate these values and build the competencies into daily behavior, they will contribute to the creation of a new corporate culture where those who do not fit will move out and those who do will move up. This will increase the supply of better qualified candidates for leadership and managerial positions.

Challenge 6: Many think of the Branch Manager as a Public Relations Officer or a Liaison Officer facilitating the exchange of documents and information between the central departments and the branch. In fact many banks have designed the job of the branch manager so that he or she is no more than an informed ‘button clicker’ authorizing transactions through the bank’s operating system. Certainly the ‘control’ function is a very important one and one that cannot be relinquished. However, it has to be considered in light of the role of the branch manager and the optimal utilization of capacity.

Solution: Answer the question of what exactly is the role of the branch manager and what is the most valuable contribution that such a manager should be making. Unless this question is discussed in depth and in light of the future strategy of the bank the role of the branch manager will remain vague and will by necessity be defined by the personal preferences of the individual occupying that position. Those who like dealing with people will become Public Relations Officers, those who like dealing with things and with numbers will become Controllers, those who like ‘challenges’ will become Demanding Bosses. Each role has its merit but the bank needs to decide which role it wants to emphasize and to select its managers accordingly. The important thing is that the decision must be aligned with the banks corporate strategy for growth and expansion.

Challenge 7: From the branch manager’s perspective the question always arises: “Do I have any real power or authority within this centrally controlled structure?” There is no doubt that there are those who will take charge and confidently communicate with the central departments and get the support they need and there will be those who perceive themselves as waiting for orders and are therefore not really responsible in the final reckoning.

Solution: This relationship needs to be considered and clearly defined including the identification of the inevitable ‘grey areas’. Some individuals will be able to rise to the occasion but are waiting to be invited or to be told that they do have permission of the ‘powers that be’ to interact assertively and openly with the Central Departments. They are on the same side.

Challenge 8: Branch Managers also ask: “Where do I go from here? What is my future? Do I remain a Branch Manager for the rest of my life?”

Solution: The answers to these questions are critical to attracting suitable candidates for the position. This is also linked to the role we want our branch managers to play. Are we looking for ambitious entrepreneurs with a solid ethical grounding who are prepared to go after promising opportunities? Or are we looking for ‘button clickers’ who will scrutinize the details, follow the rules and religiously adhere to procedures? Or are we looking for someone who enjoys being a Public Relations officer and gets along really well with people but lacks the solid banking knowledge that will yield high returns from these customer relationships?

This is an important decision as it will determine who you get to fill the position. If you don’t want to settle for taking the first ‘okay’ candidate, a decision must be taken.

Looking at these Human Capital challenges and solutions leads us to propose two main courses of action. One is to make the most of the current situation and the other is to be better prepared for the future. Below are the details on both approaches.

Short Term Human Capital Investment:Take advantage of the current crisis to recruit the talent you really want and to build a pool from which to choose in the future. In the Harvard Business Review you will find steps of consideration to ensure that when you do hire, you hire the right person, at the right time, with the right skills to ensure that when you need specific outcomes, your people are able to deliver.

Hiring Top Executives: A Comprehensive End-to-End Process

1. Anticipate the Need

  • Conducting ongoing, proactive analysis of future needs.
  • Continually evaluating the pool of potential talent.
  • Developing rigorous periodic forecasts of the company’s talent needs.

 

2. Specify the Job

 

  • Defining the specific demands of the job.
  • Specifying which skills and experience are relevant.
  • Identifying the team the candidate will need to work with or recruit.

3. Develop the Pool

  • Developing a large pool.
  • Including insiders, outsiders, insideĀ­rs, outsiders, and outside-insiders.
  • Considering people on the periphery of the organization (employees in remote offices, consultants, suppliers, customers).
  • Tapping your networks and involving the right external partners.
  • Asking candidates’ peers for nominations.

4. Assess the Candidates

  • Using a small number of high-caliber, well-trained, properly motivated interviewers.
  • Employing rigorous behavioral event interviews.
  • Conducting detailed reference checks.
  • Including top stakeholders in candidate assessment.

5. Close the Deal

  • Demonstrating active support for the candidate’s interests.
  • Describing the job realistically.
  • Involving the hiring manager personally, not just HR, in closing the deal.
  • Ensuring that compensation is fair to other employees.
  • Involving C-level for top positions.

6. Integrate the Newcomer

  • Using veteran top performers as mentors.
  • Making sure the newcomer checks in regularly with boss, mentor, and HR even when no problems have arisen.

7. Audit and Review

  • Removing bad hires within the first year.
  • Regularly reviewing recruiting practices.
  • Identifying and rewarding excellent interviewers.
  • Holding all assessors accountable for the quality of their evaluations.

Source: Fernandez-Araoz, C, Groysberg, B and Nohria, N 2009, ‘The Definitive Guide to Recruiting in Good Times and Bad’, Business Harvard Review, vol. 87, no. 5, pp.79.

Long Term Human Capital Investment:

Identify, develop and retain top talent by using a number of structured and unstructured innovations in ‘Talent Management.’

Build Your Own Talent Pool

Forward-looking Banks today realize that what limits their ability to expand and develop retail operations is the availability of qualified managers to head new branches. The absence of an effective second or third line management layer within a bank means that the bank will face a succession crisis if there isn’t a swift and effective response to this reality.

The challenge is how to make sure that the right persons have been selected and that the path of their development and training will be one that properly prepares them to carry the bank into the 21st century. More importantly, will these individuals be ready to respond to the impact of the political, legal / regulatory, environmental and social changes in the world and in the region? Will they be prepared to handle the reality of borderless financial markets and the ever-increasing pace of technology driven change?

There is no doubt that banks already have or are actively recruiting high potential individuals to lead their banks into the future. The problem, however, is how to accurately identify and accelerate the development of these high potential people so that they can get to where you need them to be in 1 or 2 years instead of five or ten. The second challenge is how to retain them.

These are the challenges that this Bank Branch Manager Accreditation program addresses.

CRITICAL PROGRAM SUCCESS FACTORS

This is an ambitious program and dictates that we proceed with full awareness of the necessary conditions to ensure success.

  1. Full support and or commitment from top management.
  2. Selection on merit and competence so that the investment is made in the right people and the program is perceived as credible.
  3. Selection on merit and competence so that the investment is made in the right people and the program is perceived as credible.
  4. Address the expectations of all stakeholders to prevent misconceptions regarding the outcomes of the program.
  5. Develop a supportive succession and retention plan for those in the program and those directly impacted by them.
  6. Set a realistic budget for this project and demonstrate the high return on investment.
  7. Give the program the optimal time for successful implementation.

OBJECTIVES

The main purpose of this program is to prepare successful individuals to fit smoothly into the role of future Branch Manager of fast-growing banks that have a regional and or international client base. This will involve a number of subordinate objectives:

  1. Train and develop future Bank Branch Managers quickly, effectively and economically.
  2. Use techniques that will bring out the best in your staff and help you decide, without a doubt, where each one will perform best.
  3. Ensure that the development program is totally targeted to your bank’s culture and business strategy.
  4. Identify those who can deal with high change and high stress business environments.
  5. Differentiate the true team players from those who do better alone.
  6. Change your corporate culture to reflect the values and competencies that are vital to the future success and sustainability of your business.
  7. Provide real management experience at low risk to you and your staff.
  8. Involve more than one group in the change process to ensure maximum ‘buy-in’ or ownership of the development process.
  9. Increase the supply of qualified candidates and so reduce the risk of poaching by competitors.

The more we know of human nature and the workings of the human brain, the more we realize that the story of our lives is written in every cell of our body and shaped by every significant relationship. The importance of getting the right people in the right place and the right group of people working together cannot be overestimated. The right outcomes will seem to come as if by magic.