Getting the Best Drain Unclogging Nearby Essex County NJ

If you have a backed up sink full of hair or food, you will need drain unclogging nearby Essex County NJ. Of course, you can try drain unclogging materials bought over the counter at your local grocery store or hardware store like Home Depot. However, for bigger clogs, you will need a professional such as a plumber or someone who specializes in drains. If it gets to the point that you need a professional, there are several things that you should make sure to get in order to have the best possible experience for both you and your family.

First, you should make sure to know what the hours of operation are for any professional. If their schedule doesn’t align with yours, that will be a problem. If there is a drain emergency on Saturday night at 1 AM, then you might have to find someone else to help you with the drains. Nights and weekend availability might be something that you should think about when selecting a professional.

Second, you should make sure you get an estimate of the work to perform. This way, you will have a good idea of the effect it will have on your household budget. Also, there is much less likely to be any huge surprises after the work agreed upon is completed. This is good for everyone involved to ensure that nobody is unhappy.

Finally, you should understand the payment options. Is financing available? If so, what is the interest rate and terms? Do they accept electronic payments such as VENMO or CashApp? Or can you PayPal it? Another possibility is a cash or check option but if you get that, make sure you get a receipt and/or ask for a discount. These are just a few of the things you should think about when dealing with your home plumbing system. Best of luck!

Bloodborne Pathogens – Preventing Disease Transmission

Imagine receiving a call that an employee has been injured from a fall down a flight of steps at your facility. The caller tells you that 911 has been called and some of your fellow employees are tending to the victim. As a supervisor, you decide to respond to the scene.

You arrive just as firefighters and paramedics take over caring for the victim. These rescuers do their job well – the victim is stabilized, wrapped up for transport to the hospital and gently placed on the stretcher.

As you watch, you can’t help but notice that the firefighters and paramedics are wearing medical gloves and goggles. As EMS (emergency medical services) personnel leave the area, you approach the employees who helped to thank them for their efforts. Almost immediately you become aware of a very frightening sight – both of the rescuers have fairly large spots of blood on their clothing and, even more upsetting, both are using paper towels to wipe the blood off of their hands. It is obvious that these employees did nothing to protect themselves from disease transmission and both have been contaminated with the victim’s blood.

Wearing PPE (personal protective equipment) is an important part of professional rescuers’ equipment. They know that protecting themselves from bloodborne pathogens is, in some ways, just as important as caring for the victim. But what about your people – do they know the risks associated with not wearing protective equipment?

If your company provides first aid kits for employee use or if your employees are required to respond to a medical emergency, they should have access to protective equipment and receive training on bloodborne pathogens.

ASSESS YOUR OPERATION’S RISK FOR EXPOSURE – I was recently asked to evaluate exposure risks for an association of tow truck operators, body shop technicians and auto mechanics. These people lacked training on bloodborne pathogens.

Tow truck operators wear thick, leather work gloves and routinely pick up bloodstained windshields or wrap contaminated airbags around steering columns. Body shop technicians pull contaminated seats from wrecked vehicles and then sit on them during their breaks or at lunchtime. Mechanics have a tendency to cut their knuckles or foreheads while repairing vehicles. They also share tools with fellow employees – tools that are contaminated with blood from their last injury.

I know you’re not in the automobile repair business. The examples above are intended to get you thinking about your own operation’s risks of exposure to potentially dangerous body fluids. Do you have a first responder team or people assigned to respond to an emergency? Are first aid kits available to employees? Do employees share equipment or tools that could become contaminated? Who is responsible for cleaning up body fluids after an accident or injury?

Without proper communication policies and training in preventing disease transmission, your employees could find themselves exposed to the same dangers paramedics and firefighters face while coming to their aid.

So what can you do to reduce the risk of exposure? Let’s start with defining bloodborne pathogens and the impact that exposure to them can have on employees and employers.

CONTAMINATION PREVENTION GUIDELINES – Bloodborne pathogens are pathogenic microorganisms that are transmitted via human blood and cause disease in humans. They include – but are not limited to – hepatitis B and human immunodeficiency virus (HIV).

I know for many people (myself included) words like microorganisms, immunodeficiency and pathogens bring back thoughts of high school and health classes – the last places in the world most of us want to revisit. So before we go any further, let me put it in my terms: There’s a lot of junk out there that can make us very sick, or even kill us if we become contaminated.

We need to constantly be on guard and be very careful so that we don’t become contaminated. I’ve been teaching CPR and first aid training for over 25 years, and I’m often asked if I would do rescue breathing without a barrier on someone I do not know. I respond without hesitation: If I found someone unresponsive and not breathing, I would immediately call for help and begin chest compressions on the victim, but there is no way I would do mouth-to-mouth on the individual without a breathing barrier.

Emergency responders know the risks associated with coming in contact with bloodborne pathogens, and they know how to protect themselves. Unfortunately, far too many people in the workplace or good Samaritans on the street do little, if anything, to take the necessary precautions. Too often they realize they’ve been exposed to body fluids after the emergency, when it’s too late to do anything about it.

EMPLOYEES – Here are a few simple rules to follow when faced with the possibility of exposure to bloodborne pathogens, or any body fluids for that matter. This information is presented as guidelines for both employees and employers. The American Heart Association calls it “Making a PACT, Know How to Act.”

PROTECT – Protect yourself from blood or blood-containing materials. This includes wearing protective equipment such as gloves and goggles and using a breathing barrier if you are performing CPR. Consider your options if you find yourself with no protective equipment.

ACT – If you find you have come into contact with another person’s blood or other body fluids, act quickly and safely. Wash the area immediately with hot, soapy water for up to a minute before rinsing. If your eyes have been contaminated, flush them with clean water for up to five minutes. If a flushing agent is not available at the scene, have someone get water for you. Firefighters or paramedics can assist you if they are still at the scene.

CLEAN – After an emergency, especially in the shop area or office, clean any areas contaminated with blood or body fluids. Wear protective equipment. Clean the area with a solution of one part Clorox and eight parts water. Completely flush the area and let the solution stand for at least three minutes. Be careful when wiping up the area, especially if you are dealing with broken glass or wood or metal splinters. Put all soiled items, including soiled cleaning materials, in a plastic bag and take it to the dumpster as soon as you are finished. If there is an injection device (such as a needle) involved, try to give it to the medics or firefighters before they leave; otherwise, get it in the dumpster and use extreme caution while doing so.

TELL – Report the incident immediately to your supervisor or human resources department. Ask for a dated copy of the report (even if it is only handwritten).

EMPLOYERS’ RESPONSIBILITIES – Employers have a responsibility to protect their employees from exposure to bloodborne pathogens. Here are the specifics of this responsibility.

PERSONAL PROTECTIVE EQUIPMENT – Any employee at risk of being exposed to bloodborne pathogens must be provided with the protective equipment necessary to keep them safe from exposure. This equipment includes gloves, goggles and, if required, breathing masks or barriers for CPR.

EDUCATION – Not all professions require bloodborne pathogen education and prevention training.

A call to OSHA (Occupational Safety & Health Administration) may or may not give you the answer you are looking for. It appears as though OSHA looks at a number of factors when determining whether an employer does or does not have to comply. For example, if you offer voluntary CPR/first aid training to your employees, they may not be required to take bloodborne pathogen training. If you have designated first aid responders within your organization, you probably fall under the training requirements.

Many of you know your employees’ occupational exposure risk. If you have personnel who are routinely or even occasionally exposed to blood or body fluids in the execution of their duties, you may want to consider offering protective equipment and training to these employees.

ENGINEERING CONTROLS – Engineering controls help to protect employees from bloodborne pathogen contamination and prevent the spread of pathogens in the workplace. Here’s an example of engineering controls: An employee using his leather work gloves realizes he has come in contact with body fluids and the gloves are contaminated. Two controls should be in place to protect the employee. First, knowing his exposure risk, the employer should have a spare set of gloves on hand so that the operator can complete his job. Second, the company should have a procedure for disposing of or cleaning the soiled gloves.

WORK PRACTICES – Setting standard practices for preventing disease transmission is a very important part of an employer’s responsibility in protecting employees.

In the case of the body shop previously mentioned, good work practices would include establishing a policy requiring workers to wrap plastic around seats pulled from a wrecked vehicle and prohibiting them from sitting on the seats, even with the plastic cover in place.

Providing employees with their own toolboxes is another good practice. If they share tools, have a policy in place for cleaning and decontaminating tools, especially after an accident or injury. Moreover, make sure employees know the importance of disposing of or cleaning contaminated personal protective equipment.

Finally, offer a course in bloodborne pathogen training. It is an excellent way to communicate the importance of preventing disease transmission and protecting your company from a huge liability/workers compensation claim.

HAVE A WRITTEN POLICY AND REPORTING PROCEDURES IN PLACE – As I previously mentioned, implement policies related to bloodborne pathogens at your operation. Start small, then expand on the policies as new issues surface. Communicate with your people. Make sure they know the reporting procedures and the importance of reporting any possible contamination.

OSHA has templates for creating your own company bloodborne pathogens policy and/or procedure. Simply download the forms, fill in the blanks with your company name, etc., print them out and you’re good to go. Additional information can be obtained by calling your regional OSHA office.

TRAINING, POLICIES ARE WORTHWHILE INVESTMENTS – I am a business of one, but if I did have employees, I can assure you – they would be trained on bloodborne pathogen risks and contamination prevention, and my company would have a policy in place. It’s the right thing to do for a business, its employees and the employer. And just imagine how good it would feel to know that your operation is in compliance should OSHA officials decide to visit.

Invest an hour for setting up your program, distribute the information to your employees and arrange for a 30-minute bloodborne pathogen education and prevention class. The investment is small, but the dividends to you and your employees will be huge.

Deadly Staph – Tips for the Prevention of Staph Infections

Over the past few years some dangerous Staph bacteria have become resistant to antibiotics. Only recently has the news media focused on this serious new health problem, which is of urgent concern to our schools. These killer bacteria, called methicillin resistant Staphylococcus aureus or “MRSA”, have recently caused panic in schools in the USA. Some infected students have become seriously ill and some have died after these antibiotic resistant bacteria invaded their blood stream. Most Staph bacteria only causes minor skin infections and are treated with antibiotics. Serious and deadly infections however, develop when antibiotic resistant bacteria (MRSA) is involved. The best methods for prevention of all types of Staph infections involve general cleaning strategies which can be incorporated into the routine cleaning practices at all schools. Here are some tips for limiting the possibility of Staph bacteria infecting your students:

1.) Establish a daily and routine environmental cleaning schedule for your school restrooms and dining areas. The cleaning staff should be trained and monitored to be sure they understand and practice thorough and effective cleaning procedures. Your local health department can provide advice on procedures.

2.) Use germicidal products or a solution of 1 part chlorine bleach and 9 part water to clean any surface that is subject to frequent touching by students, including light switches, doorknobs, faucet handles, hand rails and all restroom fixtures. Use soap and water at a minimum, preferably an all-purpose cleaner, for a daily cleaning of all other floors and surfaces.

3.) Install automatic soap dispensers, automatic hand dryers and automatic paper towel dispensers. These touch-free automatic dispensers will reduce student’s exposure to appliances that are frequently the source of hand transmitted bacteria. like Staph. If your school still utilizes the old manual hands-on dispensers it will be nearly impossible to clean them frequently enough to eliminate the spread of bacteria.

4.) Immediately clean up any surface that has a visible body fluid contamination such as blood, urine or other body fluid.

5.) Make sure automatic soap dispensers and automatic paper towel dispensers are filled with product at all times. This should be part of the cleaning personnel daily routine. Refill the dispensers daily.

6.) Encourage good hygiene. Students should be cautioned against sharing water bottles and personal items, encourages to shower after gym classes and other physical activities.

7.) Require that students cover cuts, abrasions and lesions with a proper dressing (bandage) until healed. Athletics staff should monitor this closely among their athletes.

8.) Clean all items used in athletic activities with an all-purpose cleaner and wash uniforms after each use.

9.) Publish, articulate and post reminders to staff and employees the importance of frequent hand washing with soap and water or the use of germicidal hand gels. Your schools restrooms and cafeteria should have warning signs posted in highly visible areas reminding everyone that hand washing is a requirement of your facility and is everyone’s responsibility.

Following these simple cleaning routines will greatly reduce you schools risk of bacterial infections of all types, including Staph and viruses, such as the flu, and the common cold.

Passive Investment Income

What are some ways a person can generate passive investment income? There are a number of ideas about it. Everyone has his own ideas about which one can be a passive investment income. We should have our own choice of investment. The wealthy, the marginalized, and the middle class people differ in their own preferences about investing their money. Now, let’s compare ways and opportunities according to some considerations such as safety, profitability, and also liquidity.

Safety means that your investment and the income are stable. The money that you invest could be prone to the changing market condition, economic slowdown, and social unrest. The point is that your passive investment income should always be there. In that case, it is safe to invest.

On the other hand, profitability is what we usually consider when we invest. We are supposed to believe that what is profitable is ideal. That’s right. But is it risky? Is my money stuck? Obviously, everyone would go for whatever gives them profit. Whenever we consider gains, the highest amount is always the best passive investment income. What we should consider here should not have been about the top gainers only. It’s should also be the safer ones.

Another significant factor that must be considered is liquidity. Let us suppose that we earn very attractively from our safe investment. What does that mean to us anyway? When you are ready to use your fund because you really need it and that’s the reason why you invested, is it possible to convert it to cash now? If there is no liquidity, our passive investment income is only an imagination. You would become wealthy only in your dreams. Liquidity is not only about the comfort of making a withdrawal. It is also about how smooth it is to invest.

Now, here are three kinds of investment we may consider whether which passive investment income is better for us. So, let’s talk about three kinds of portfolios such as business, stocks, and real estate.

Business is a personal activity that deals with economic factors that determines future gains. It is the chemistry of work and investment. This means that a businessman does not only wait for passive income, he should also work for it. Therefore, it is an active income and at the same time passive.

In the aspect of safety, business is not that safe. It is exposed to economic cycle. Businesses are under the supply and demand law. If the demand for their goods has been increasing, the price will also increase, and so will the supply. As time goes by, the demand will influence the supply to increase more. So if the supply is much greater, it will then influence the price to decrease. Consequently, businesses are getting more unstable and their future is turning gray. But, businesses may also get more resilient. As this type of investment is a little active, the active control of a businessman can manage a worse situation. Therefore, these two characters of investment regulate the cycle. Because of this, business becomes good. It is definitely a good example of passive investment income when it comes to safety.

In stock market, it’s the other way around. Safety is a very controversial issue here. Obviously, the risk involved here is very high. But the potential return is high, too. Passive investment income is more common in stock trading. Therefore, your income here is not the product of your active participation in the company. It is the product of your decision.

In the area of real estate, the lesser amount you invest, the safer it is. The bigger the investment you have, the riskier it becomes. But land alone is considerably not risky. The reason why real estate becomes a little risky is because the cost of structural materials is getting higher. Structural materials are also subject to the law of supply and demand. So, if we only rely on land for passive investment income by renting it out, our passive income will not be affected by any price fluctuation. Aside from that, structures depreciate over a period of time. Therefore, investing in real estate can be risky or safe depending on the kind.

In terms of profit, it is more attractive in business. In some businesses, you have to spend time before you earn regularly. Usually, the profit is negative especially if they are just beginning to operate. They should promote their brands and strengthen themselves in the market. When the consumers buy their goods, passive investment income begins. On the other hand, other businesses are doing well in the beginning of the operation. During the first stage, their sales shoot up. Subsequently, they grow very early. As time goes by, consumers get sick and tired of their goods. Consequently, these businesses reduce their passive income. Nevertheless, what is nice about business is the resilience to catch up with the competition. In business, the consistency of income is stable. One more advantage in business regarding this is the petty cash. Passive investment income in business need not come after a fixed cycle like that in stocks. There is always readily available petty cash.

On one hand, profit potential in stock investing is definitely high. As the character of stocks is risky, risk appetite causes the value of stocks to go up quickly. On the other hand, risk aversion and profit taking in the intraday trading can cause the value of stocks to go down quickly, too. Risk management in the stock market depends on the traders. Speculators enjoy their passive investment income from the price volatility while non-aggressive traders and investors get their passive investment income from dividends. Therefore, we can’t rule out the risk nature of stocks. When we gauge the balance between the energy we exert and the profit we earn, investing in stocks could be the most attractive one. We must not forget that passive investment income is an income that we could get without extra effort. If stock market really offers this potential, it must be a better option for passive investment income.

In real estate, how can we have a passive investment income? There is no doubt that one may enjoy his passive investment income in real estate without extra effort. The point is whether or not the ratio of profit is balanced with the investment. Surely, we can gain in real estate primarily because the usual investment is big as well. But always remember that you should pay the capital gains tax annually. This might explain why landlords do not solely rely on renting out their lots. Hence, land is usually developed to optimize the gains. Regarding the actual amount of gains, real estate could guarantee a better passive investment income. Therefore, we should really consider the ROI.

In terms of liquidity, it is somewhat less in business. Of course, liquidity still exists. However, much time is spent to put up a business, to start gaining, and even the time it takes to stop operating. Although the period of time executing all these can be determined according to a business plan, the process is still slower depending on the kind of business. Retail businesses are quite liquid whereas manufacturing industries are not.

Among the common types of investments known to many, investment in stocks is the most liquid one. You can open and close an investment account at your convenience. Moreover, you may select any available stock you wish to invest in. If you wish to have exposure in stock market, to take profit, or to pull out your investment, it won’t take that long. You may do so at any given time wherever you may be.

On the contrary, liquidity is a big problem in real estate. In business, there are still ways to determine it, but hardly in real estate. Usually, it is like a game of chance to sell even a small house and lot. Thus, investing in real estate, earning passive income, and even pulling out your investment will never occur overnight. It won’t matter if it doesn’t affect productivity. For instance, you have found a better opportunity that needs quick decision. Then, you think it best to change your existing investment into such a new one. Perhaps, before you are able to pull out your investment from real estate, your commitment to others will have already been canceled. In similar case, you might get stuck.

These are some ways a person can generate passive investment income. Whether you wish to invest in stocks, real estate, or business, you can always find an opportunity to generate passive investment income.

Myths About MRSA Infections

MRSA Myth #1: Methicillin Resistant Staph Aureus is a new Problem

This is simply not true. MRSA has been it a problem in the hospital environment for years. Microbial resistance first showed up shortly after the introduction of penicillin into mass use. The medical community has had a problem with resistant bacteria for a long time and it has known about it. Every hospital in the US has an Infection Control Coordinator whose job it is to monitor infection rates in these institutions. The MRSA antibiotic susceptibility rates (along with those of other known super bugs) are monitored with incredible accuracy because the hospital must know when an antibiotic isn’t working. It is important for an hospital to know when their antibiotic formulary choices are no longer effective.

MRSA Myth #2: MRSA Infections are not Deadly

If not identified quickly and treated appropriately, death from MRSA infection is a real possibility. It is important to have culture and susceptibility testing on the wound to be sure the antibiotic regimen is appropriate. This test procedure takes about 48-72 hours. This testing will identify what type of organism is causing the infection and determine the appropriate course of antibiotic treatment. The worst treatment is the antibiotic treatment that will not work. It is a terrible costly waste of precious time and money.

MRSA Myth #3: MRSA is Transmitted by person-to-person contact.

Yes, this is one mechanism of   transmission  from patient to patient, and as it may be the primary means acquiring a MRSA infection, this fact underscores the need for diligent hand washing by anyone in contact with hospital patients. What is not often addressed is that MRSA can also be contracted from equipment used in the hospital and also from the environment.

MRSA Myth #4: MRSA is the only Resistant organism

Not true! Methicillin resistant staph aureus is the organism that has gotten the recent press coverage, but there are a number of other multiply-resistant microorganisms out there. For instance, the organism that causes TB has developed resistance which is well documented. Beyond these, there are a number of other super bugs we should all be concerned about.

MRSA Myth #5: MRSA Infections are limited to Humans

Believe it or not, MRSA can infect animals, too. In addition to person-to-person  transmission , MRSA infections can also be transmitted from person-to-animal. MRSA infections have been found in dogs and cats and other animals. The presence of MRSA in animals is manifested in the same way as human infection. We should be concerned about the health and safety of our pets, too.

Your Life GPS

Lately I’ve been hearing from many people that their spirit guides have left them. This is not true. They haven’t left. They’re just getting out of the way so you can learn how to move forward under your own power.

After 12/21/2012 your spirit guides began stepping back in order to allow you to fulfill your destiny – that of taking your power back. This process involves learning how to utilize your own innate wisdom instead of relying on your spirit guides, angels, and other people and beings to whom you have given your authority in the past.

It’s much like watching a small child learn how to walk. Initially the child is supported and guided by an adult. At some point the adult lets go of the child’s hands in order to allow them to learn how to walk on their own and travel in the direction of their choice.

So it is with your spirit guides. They’re letting you know that it’s time for you to walk your life path using your own knowledge and wisdom, and choosing your own direction.

Oh, they’re still around in case you really need them for guidance. But remember, they’re spirit guides, not directors. They now serve in a different capacity. Rather than being your commanders and issuing orders to you, they’re now serving as your advisors.

Much like the GPS system you use in your car, your spirit guides are now acting as your Life GPS, ready to give you directions to a destination should you ask. However you have the power to choose if you want to follow their suggested route, take another route, or even if you want to use your Life GPS or not.

Just as the highest and best purpose of a GPS is to advise you as to the best route to take to your desired destination, it’s still only advice. You have the power of choice as to whether you want to follow that advise. You are now empowered to choose how you want to get to your destination. You have the power to choose a new and different destination at any time. YOU are now in command of your life.

Although a GPS is handy, it’s not infallible. Often it can lead you to an incorrect address. Likewise, spirit guides can give you advice that isn’t correct or accurate.

With a GPS your location is sent to a satellite and then bounced back to the GPS in your car, where it’s displayed on maps stored within the GPS. There may be distortions in the   transmission  of the data. Additionally, the data within the GPS may be outdated or incorrect.

Similarly, your Life GPS  transmissions  may be corrupted. After all, your spirit guides are transmitting through other dimensions and realities. Most of them have never been human, so they can only advise you from their perspective, which may be lacking in current and correct data.

Only you know the correct directions for you to make as you travel on your life path. Use your spirit guides as your Life GPS and remember… it’s advice, not orders.

Even Beginners Can Make Money Investing in Mutual Funds

Even if you don’t really understand stocks and bonds and the markets they trade in, you and other beginners can make money investing in mutual funds once you get a handle on the mutual funds universe. Here we take the mystery out of investing for beginners.

News flash: Tens of millions of Americans make money investing in mutual funds without knowing what they are doing. Caution: They also lose money unnecessarily and they are not investing as beginners, because they have been doing it for years. Let’s look at what you really need to know to make money investing on a more consistent basis while avoiding serious losses.

Mutual funds were created and promoted as the average investor’s vehicle for investing money in stocks and bonds. That’s just what they are – packages of investments managed for investors by professional money managers. They make investing for beginners simple. You simply open an account, and put your money down with instructions as to how much to invest in which funds. Example: You send in $10,000 to buy shares of ABC Stock Fund. Soon you will own shares in that fund and will own a very small part of a very large portfolio of stocks. The number of shares you will own will depend on the share price at the time your purchase order is processed.

Whether or not you make money investing in mutual funds without taking much risk depends on which funds you invest money in and how you go about it. There are basically three traditional fund alternatives: stock (diversified), bond, and money market funds. You should invest in ALL THREE TYPES if your goal is to consistently make money investing in mutual funds. You also need to understand asset allocation, so you can tailor your total mutual fund portfolio to fit your risk profile. And remember, investing for beginners need not be difficult.

Diversified stock funds are the riskiest of the three and they are your growth engine for earning higher returns. They invest your money in a broad spectrum of stocks representing a number of different industries. This makes investing for beginners simple compared to picking your own stocks. You make money investing here primarily through price appreciation (the fund share price going up) and through dividends. The major risk: share prices fluctuate and can fall significantly when the stock market falls. One year you can make 20%, 30% or more; and you can also lose that much. Over the long term, investors have averaged about 10% a year. Notice I said LONG TERM.

Bond funds invest your money in bonds, which are debt securities that pay interest. Their primary objective is not growth, but rather to earn higher interest for investors than they could earn from safe investments like bank CDs. Traditionally, you make money investing in these mutual funds primarily through the dividends they pay you from the interest they earn. Normally they pay considerably higher dividends than stock funds do, but similar to stock funds their share price fluctuates (usually much less). You can profit from higher share prices, but you can also lose money here. They are considered to be safer investments than stock funds, but bond funds are not necessarily safe investments.

Money market funds invest your money in high-quality short-term debt instruments (IOUs) and pay current interest rates in the form of dividends. Unlike the other two mutual funds, their share price is pegged at $1 and does not fluctuate by design. As interest rates go up the dividend increases, and as rates fall so does the dividend. You make money investing in these mutual funds only through the dividends paid. These mutual funds are considered to be safe investments, and can be used as a cash reserve awaiting bigger opportunities.

To make money investing in mutual funds without worrying your head off you should invest in all three to have a balanced investment portfolio. Here’s what I mean by balance and why it is so important to investing for beginners. Holding either stock or bond funds involves the risk of losing money. If you invest in both this will lower your overall risk. Reason: oftentimes losses in one are offset by gains in the other. Money market funds add flexibility and a cushion of risk to your overall portfolio of mutual funds. The more safety you want the more you allocate to money market funds.

An example of investing for beginners follows. You invest $10,000 equally allocated to the three basic fund types. A couple of years later you see that the stock fund is worth quite a bit more than the other two. The good news is that stocks performed very well. The bad news is that a major decline in stock prices could wipe out your profits and more. To keep things in balance, rebalance once a year so that you are back to equal amounts in each fund. This is very important if you want to make money investing in mutual funds on a consistent basis without unpleasant surprises every few years.

Investing for beginners is not about getting rich quick and neither are mutual funds. If you want to grow your money for a long term goal (like retirement) this article was written for you. You can make money investing in mutual funds without much effort or worry once you get a handle on the basics.

The Importance of Food in Our Life

Food is the basic necessity for all of us and we all earn money to get this basic necessity. We need to eat 3 meals a day to keep our body running so that we can manage our daily functions. Many of us ” Eat food to live” while there are others who “Live to eat food”. In fact, nutrition assumes a special importance in each and everyone’s life.

Types of Foodstuff

The food is normally divided into two main categories given below:-

1- Vegetarian food- These include stuffs like milk, fruits and vegetables. These are those stuff that are obtained from plants and trees.

2- Non- Vegetarian food- These include stuffs like meat and meat products, chicken, turkey, fish, squid etc. Non vegetarian food are generally obtained by killing animals.

Nutrition from Foodstuff

Nutrition from food is necessary and without this daily dose of nutrition animals may not survive for long. It is important to support life as nourishment obtained helps the cells present in our body to carry out its routine functions. Different stuffs provide different levels of nutrition. The nutrients are divided into six classes which are given below:-

1- Carbohydrates- These provide energy to the body and are found in items like rice, bread and other grain products.

2- Fats- It consists of a group of compounds that are generally insoluble in water. These are found in items like butter, ghee, fish oil, lard etc. Fats are stored in the human body for use at a later use for energy.

3- Minerals- These are needed for the maintenance of proper functions in the body like the transport of oxygen throughout the body, stimulating growth, normalizing the nervous system etc. Minerals can be found from a variety of food items such as meat, cereals including cereal products such as bread, fish, milk and dairy foods.

4- Protein- These are important components of muscles, skin and hair. Proteins are helpful in creation of various enzymes in the body that control various important functions. Major sources of protein include milk, meat, fish, egg, and vegetables.

5- Vitamins- They are an essential component of animal body required for good health. It is organic compound required as a nutrient. Good sources of vitamins are fruits, vegetables, cereals, milk and eggs.

6- Water- It is popularly known as the”elixir of life”. The human body comprises of 55-78 % of water. It is required for the essential functioning of the various important parts of the human body.

Thus, these points given above reflect the importance of food and nutrients in our diet. As long as a human is alive, he needs water and foods in the required quantity.

Transmission Repair Shop – Sneaky Tactics

I hate to say this but transmission repair shops employ some of the most dishonest practices in the automotive industry. They are able to get away with this for two reasons.

The first reason is for every 50 general automotive mechanic shops there are may be five transmission shops. So supply and demand naturally hires the prices these companies can charge. This is nothing new but some of these transmission companies get outrageous.

Second, unless you are a a specialist in this field you most likely know nothing about transmissions. Any technician can tell you anything and you have no verifiable way of double checking.

Here are some common scams in the transmission repair industry and some common mistakes that customers make:

We need a new transmission a shop will give usually give you two options. They can either install a brand-new transmission, which will cost a lot, or they can install a rebuilt transmission, which will still cost a lot but possibly be half the cost.

You have to understand the dangers in getting a rebuilt transmission. There is a good possibility that these will not be as good as a brand-new transmission or may not last as long. If you’re dealing with a reputable shop who has capable employees they can rebuild a long-lasting transmission.

They should also factor work up with some type of warranty. Do not get a rebuilt transmission without a decent warranty of some type. Make sure you get it in writing. There have been many shops who have sold customers rebuild transmissions and they failed within a matter of days or weeks.

Those same customers, of course being irate, came back to the shop only to find that that particular shop would not honor its “verbal” or “implied” guarantee. If you do however agree to a rebuilt transmission please do not come crying to the transmission repair shop when after the warranty you have problems again. He did go the cheapest route and you must understand that it comes with inherent risks.

Beware of transmission shops that have all sorts of low cost transmission maintenance services and specials to get in. Many of the automotive companies or what I like to call “commission fee based shops.” The shops pay their employees a small hourly wage but make it so they receive a percentage of their total gross sales.

Avoid these companies at all costs! These transmission repair shops have a system where they trick volumes of people every single day into their place of business with the lower at cheap rates and then convince them into buying services and parts they do not need.

This practice has become standard among many of the big box national chains and quite recently has been adopted by many of the small local ones. If you feel like you’re being pressured into buying something you feel you may not need, please, get a second opinion.

I have already touched a little upon the subject but I need to bring up the matter of warranties again. Every warranty and every guarantee needs to be in writing. Do not any transmission repair facility just tell you they back up all their work.

Do not just let them tell you you can bring your car back, and they will fix it for free, if within a couple weeks or months you experience the same problems they were supposed to fix. Every agreement should be in writing including all the terms and conditions.

And speaking of terms and conditions this brings us to the most common scam that most transmission repair facilities do. It is sad that many of these companies resort to what I’m about to say but all you have to do is look online and you will hear hundreds of horror stories.

You’re having transmission problems. You go to a local transmission repair shop and get an estimate. The parts and labor cost $1200. It seems fair see make arrangements to leave your vehicle with them for several days.

Within one day you get a call from the transmission shop. They proceed to tell you that the price is going to be more than what was on the estimate. The excuses are more numerous than the sands found on the beach. It could be any excuse from the parts costing more than expected to them not being aware of the certain problem when they first gave you the estimate.

So the result is that the price that was “$1200” is now “$3500.”

Now your typical person in this position has two options at this point. He can bite the bullet and pay the $3500, in effect paying $1800 more than what was agreed upon, or he can pick his car up.

Keep in mind that the cars is most likely already torn apart at this point. Here is where shops get even worse. In order for you to pick your car up the transmission shop is still going to charge you a fee for putting your car back together, storage, towing, and trust me they will find other miscellaneous charges to add upon that.

So you end up getting the work done, but in the process getting ripped off, or you’re left with the same broken car but you paid 500 bucks just to be able to pick it back up from a shop then attempted to screw you (and they did). It’s a no-win.

This is why you should only do business with reputable transmission repair shops. How do you know if the shop is reputable? In this day and age where honesty and honor are as common as black-and-white televisions you must do your homework.

Ask family, friends, coworkers, and acquaintances for recommendations. The good transmission repair shops are out there. You just have to find them among the many bad ones.

Once you get a recommendation from someone you know look the shop up on the Better Business Bureau, local websites where people post reviews, and forums. Ask a transmission shop for customer references.

If they are in fact reputable they should be able to produce one or two happy customers you can talk to. A little due diligence goes a long way because once they have your car you are at their mercy.

Hopefully this article will have giving you insight about the tricks transmission repair shops employ to make a quick buck and hopefully you will be able to take this information and benefit from it.

Fax Machines Reviews

In the field of telecommunications, the word fax (facsimile) refers to the act of transmitting copies over a telephone network. This system enjoys a distinct advantage because the transfer is immediate. This machine consists of a modem and an image scanner. Sometimes, the equipment is equipped with printers and photo-copiers. Although these machines have existed since the last century, they began to gain popularity in the last two decades due to their economic affordability.

Digital fax machines gained popularity in Japan. In recent years, the internet has made inroads into the field of telecommunications but the machines have continued to remain a popular choice, even in the corporate world,for the transfer of documents. Fax servers have replaced the old fax machines. These can receive faxes and transmit the information over the internet to the user. There are two kinds of fax machines.

The analog machines used earlier, are no longer in vogue. Digital machines have replaced them. The digital machines have two groups, Group three and group four. The machines are classified on the basis of the time they take to transmit a document. There are also different classes of this machines and different transmission rates. These machines use a variety of modulation methods to transmit data. It use two different methods of compression to reduce the amount of data that needs to be transmitted between two machines. These methods are Modified Huffmann and Modified Read. In the Modified Huffmann method each word is scanned and compressed independently. The amount of white space is also reduced considerably. This helps in minimising the time taken for transmission. The Modified Read Method uses a slightly different method of compression.

The first line is scanned using the MH method. The second line is scanned and the differences are determined. These differences are transmitted after a process of encoding. This method pre-supposes that these differences are minimal. The Matsushita White Line Skip is another method of compression but it can be used only on Panasonic machines.

Most of the machines that are used currently belong to the Group Three. Documents are scanned in black and white. Thermal printers that were hitherto used have given way to a generation of this machines. Thermal transfer printers,laser printers and ink-jet printers are some of these machines. Thermal fax papers, however, do not possess legal validity as the ink used in these papers is not indelible.

Fax machines come now in compact sizes and are very portable. They are also all-in-one machines that lend themselves to official and personal use, that can print, scan and fax. These machines have become versatile and they are invaluable in any corporate setting or a business house.

What Is an Investment?

One of the reasons many people fail, even very woefully, in the game of investing is that they play it without understanding the rules that regulate it. It is an obvious truth that you cannot win a game if you violate its rules. However, you must know the rules before you will be able to avoid violating them. Another reason people fail in investing is that they play the game without understanding what it is all about. This is why it is important to unmask the meaning of the term, ‘investment’. What is an investment? An investment is an income-generating valuable. It is very important that you take note of every word in the definition because they are important in understanding the real meaning of investment.

From the definition above, there are two key features of an investment. Every possession, belonging or property (of yours) must satisfy both conditions before it can qualify to become (or be called) an investment. Otherwise, it will be something other than an investment. The first feature of an investment is that it is a valuable – something that is very useful or important. Hence, any possession, belonging or property (of yours) that has no value is not, and cannot be, an investment. By the standard of this definition, a worthless, useless or insignificant possession, belonging or property is not an investment. Every investment has value that can be quantified monetarily. In other words, every investment has a monetary worth.

The second feature of an investment is that, in addition to being a valuable, it must be income-generating. This means that it must be able to make money for the owner, or at least, help the owner in the money-making process. Every investment has wealth-creating capacity, obligation, responsibility and function. This is an inalienable feature of an investment. Any possession, belonging or property that cannot generate income for the owner, or at least help the owner in generating income, is not, and cannot be, an investment, irrespective of how valuable or precious it may be. In addition, any belonging that cannot play any of these financial roles is not an investment, irrespective of how expensive or costly it may be.

There is another feature of an investment that is very closely related to the second feature described above which you should be very mindful of. This will also help you realise if a valuable is an investment or not. An investment that does not generate money in the strict sense, or help in generating income, saves money. Such an investment saves the owner from some expenses he would have been making in its absence, though it may lack the capacity to attract some money to the pocket of the investor. By so doing, the investment generates money for the owner, though not in the strict sense. In other words, the investment still performs a wealth-creating function for the owner/investor.

As a rule, every valuable, in addition to being something that is very useful and important, must have the capacity to generate income for the owner, or save money for him, before it can qualify to be called an investment. It is very important to emphasize the second feature of an investment (i.e. an investment as being income-generating). The reason for this claim is that most people consider only the first feature in their judgments on what constitutes an investment. They understand an investment simply as a valuable, even if the valuable is income-devouring. Such a misconception usually has serious long-term financial consequences. Such people often make costly financial mistakes that cost them fortunes in life.

Perhaps, one of the causes of this misconception is that it is acceptable in the academic world. In financial studies in conventional educational institutions and academic publications, investments – otherwise called assets – refer to valuables or properties. This is why business organisations regard all their valuables and properties as their assets, even if they do not generate any income for them. This notion of investment is unacceptable among financially literate people because it is not only incorrect, but also misleading and deceptive. This is why some organisations ignorantly consider their liabilities as their assets. This is also why some people also consider their liabilities as their assets/investments.

It is a pity that many people, especially financially ignorant people, consider valuables that consume their incomes, but do not generate any income for them, as investments. Such people record their income-consuming valuables on the list of their investments. People who do so are financial illiterates. This is why they have no future in their finances. What financially literate people describe as income-consuming valuables are considered as investments by financial illiterates. This shows a difference in perception, reasoning and mindset between financially literate people and financially illiterate and ignorant people. This is why financially literate people have future in their finances while financial illiterates do not.

From the definition above, the first thing you should consider in investing is, “How valuable is what you want to acquire with your money as an investment?” The higher the value, all things being equal, the better the investment (though the higher the cost of the acquisition will likely be). The second factor is, “How much can it generate for you?” If it is a valuable but non income-generating, then it is not (and cannot be) an investment, needless to say that it cannot be income-generating if it is not a valuable. Hence, if you cannot answer both questions in the affirmative, then what you are doing cannot be investing and what you are acquiring cannot be an investment. At best, you may be acquiring a liability.