Get Affordable Home Insurance in Calgary

There are many reasons to get home insurance in Calgary. First of all, you want to make sure your house, cottage, or tenancy is covered for damage, theft, and flooding. Secondly, you want to know if you are overpaying for home insurance, and if you are, you want to know if you have access to a more affordable insurer. We can help you connect with a live insurance broker who will give you the information you need to insure your house in Calgary. You can also request a quote from at least 10 Canadian home insurers, so you can compare rates.Typical Home Insurance Premiums
Home protection prices are different for rented and owned properties. Tenants insurance for rented homes covers the basic contents of a house and some liability (you may need a separate policy for fine art, wine collections, furs, and other expensive, atypical items). Tenants insurance is often cheaper than homeowners insurance.Homeowners insurance covers the building and its exterior, as well as risks connected to theft, fire, earthquake, etc. Since the value of the building is much higher than the contents of a rented unit, homeowners insurance premiums are significantly higher than are the premiums for tenants insurance.In order to have a broader picture of home insurance rates in Canada, here are statistics of the average home rates in Alberta, Ontario, British Columbia, and Canada. These statistics are provided by InsurEye.In Alberta, monthly house insurance rates are typically $84 for homeowners and $49 for renters.In Ontario, monthly home insurance rates are typically $78 for homeowners and $42 for renters.In British Columbia, monthly home protection rates are typically $85 for homeowners and $47 for renters.Across Canada, monthly home insurance rates are typically $77 for homeowners and $41 for renters.Examples of Calgary Home Insurance Quotes
Home insurance quotes in Calgary depend on the size of a building, its location, and possible risks (like flooding). The following examples of house insurance quotes will help you better understand how much home insurance can potentially cost you:· For a 2,800 square foot, two-storey house in Calgary, in the neighbourhood of Altadore near River Park, expect approximately $98 monthly ($1,176 a year).· For an 850 square foot, two-bedroom condominium on the 12th floor in downtown Calgary, next to Central Memorial Park, the insurance costs are approximately $23 a month ($276 a year).· For a one-storey house in Calgary, in the Mount Pleasant neighbourhood, located close to 4th St NW and the Trans-Canada Highway, the insurance is approximately $62 monthly ($744 a year).Flooding Coverage for Homes in Calgary
Since Calgary often sees flooding, every homeowner should be prepared for the possibility of this risk and should understand the main aspects of home protection and flooding. One thing you should keep in mind is that home protection in the flood-endangered areas of the city is more expensive because of the much higher risk.There are four main types of flooding. It is important to remember that your home insurance policy treats each of them differently:1. Overland flooding occurs as a consequence of water (rain or melting snow) entering your house from the outdoors. Standard insurance in Calgary does not cover expenses from overland flooding. However, some companies do provide coverage for this type of flooding at an additional cost.2. Roof leakage can be covered or not covered, depending on the factors that caused it. If the roof was in poor condition from the beginning, your insurance provider will not cover the damage. Your home insurance will most likely cover damage from a natural cause, like hail.3. Your insurer will cover plumbing issues, only if you comply with the rules in your policy, such as having somebody visit your home while you are not there for extended periods of time (for example, while you are on vacation).4. Sewer backup happens when wastewater is driven back into your house. Traditional home protection does not cover this type of flooding. However, you can always purchase this type of coverage as an addition to your home insurance policy.The Difference Between Condo and Tenants Insurance in Calgary
Owners of condos can purchase homeowners insurance for their condo. The condominium corporation purchases commercial condo insurance. The difference between these two policies is in what part of the condo they cover. The homeowners insurance covers the contents of the condominium. The coverage also includes protection for upgrades, locker contents, third party liability, theft, additional living expenses, and sometimes special insurance assessments.The commercial condominium corporation’s insurance covers the building’s exterior (envelope), together with its infrastructure and common areas.Condo renters in Calgary need tenants insurance to cover the contents of their condos. This type of protection is usually mandatory and is part of the rental contract. In addition to the coverage of contents against theft, fire, and other hazards, the insurance also extends to third party liability and additional living expenses. Living expenses are for the cases when the condo is unlivable (due to earthquake, flood, fire, etc.), so the renter is forced to live in a hotel or rental unit until the condo repairs are complete.10 Ways to Save on Home Insurance in Calgary
Here are a few ways to save on your home coverage. For more savings, get an insurance quote and contact an insurance expert.1. Professional membership. Members of unions or professional organizations can get a discount on their home insurance. Insurance companies, like Meloche Monnex Insurance, also provide their members with insurance policies.2. Hydrant or fire station. If your home is close to one of these things, you can ask for a discount from your insurance provider.3. Discounts for students. Some insurance providers give discounts for students. As for dependent students who live alone, their parent’s home insurance may cover the insurance on their apartment at no additional charge. For example, Desjardins Insurance provides this discount.4. Discounts for graduates. TD Insurance is an example of an insurer that offers discounts for graduates from post-secondary institutions like McGill University or the University of Toronto.5. Quit smoking. Many insurance companies increase home protection premiums for smokers due to the potential fire risk.6. Change your policy. Those with tenant insurance should rethink the size of their coverage – perhaps some things that do not have much value do not need additional coverage.7. Security of your home. Does your home have additional security, like a doorman or security guard? This might get you a discount from your insurance provider.8. Direct insurer. Also called a captive agent, a direct insurer represents one company and can offer their products for a cheaper price when compared to insurance agents or brokers.9. Consumer reviews. Other home insurance consumers often share their experiences of purchasing insurance and making claims. Thanks to these insights, you will be able to avoid unexpected costs and overpayment.10. Compare prices. You can get home insurance quote in Calgary for a cheaper price thanks to the price comparison tools that show you the rates of the same services provided by different insurance companies.

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How to Know the Best Network Marketing Company

Without any doubt if you are an advocate of financial freedom or a person open to new business opportunities, chances are you have heard about multi-level marketing (MLM), direct selling, or network marketing business opportunity and your problem is to know the best network marketing company to join as there’re varieties to choose from.You may probably have an image firmly planted in your mind of what network marketing is, based on the seemingly endless debate over whether these companies and programs are legitimate business opportunities or not. You may have been in the industry for some time, shifting from one company to the other searching for the best company to join.This article will give you the real scoop about network marketing and how to know the best company to join in MLM. I strongly believe that the entire industry is poised for explosive growth and can be one of the most significant solutions to any country’s youth unemployment crisis. The biggest problem in the industry is amateur networkers coming into the industry without proper training about network marketing and the leaders in the industry are not doing much to train the upcoming and aspiring network marketers.Those who are in the industry are not willing to invest in their education to know the right way to do the business, that is why “The beauty of MLM is the low cost of entry and the bad thing in MLM, is also the low cost of entry. People fail to invest in their education once they join any MLM company and expect to be successful in the industry and once they are not getting the result they anticipated thy move to another company because the money they spent in joining the previous company is something they can forget without a fight.If they spend a fortune to start it, they will do everything possible to make it work; they will invest in their education, give their time because the money involves cannot go down without them looking for ways to recover it. But in network marketing they expect more from the little investment and if they don’t see that in few weeks they will start screaming SCAM. One thing network marketing does is to expose you to your weaknesses and require you to address them through education or you quit. Many leave the company once that weaknesses showed up and label that company fake.In every company business presentation the presenter will say they are the best and their distributors will go out to say the same to their prospects. I will not blame them for that as any company that puts money in your pocket is the best company to you. To be successful in any network marketing company require a renewal of your mind, you must have a positive mental attitude towards network marketing.I cannot list a number of Good network marketing companies, below are some of the factors that make up a good network marketing company and it will help you choose wisely.Check The Registration and Ranking Status: In the Network Marketing and Direct Sales industry there is an organization called the Direct Selling Association (DSA) http://www.DSA.org. There are thousands of Network Marketing Companies in the world, only about 200 or a few more of them are registered with DSA. The reason is because every member company must abide by high strict business ethics given by the organization which include on how they deal with their distributors. It does not mean that any other company that is not registered with them is not legit, but you will be on the safe side working with a company registered with them because they belong to a regulatory body that check-mate their excesses. For ranking check mlmrankings.com and businessforhome.org search on the company to know if they have been featured or rank on these sites. Check an honest review of the company through Goggle and YouTube to know what distributors and online network marketing coaches and writers have been saying about the company. I know there are companies out there with good intentions that are not registered with DSA, so explore every other means below to make your choice.How old is the company in business? You may hear terms like “ground floor company” or “start-up opportunity”. This entirely means the company is brand new. Statistics show that high percentage of new companies fail within their first five years because they are still in their formation stage. Every company started new and those that play the gamble of joining at the formation 5 years are the one reaping most of the dividend today therefore If you are OK with joining a new company in hopes that it will still be around after five years and you are one of the few that “got in early” then this should not be a problem for you.Check the Integrity of the Management Team. If the company is relatively new and you want to go ahead with it, check the integrity of the management team, the experience of the CEO and the team in Network Marketing Industry, their backgrounds and reputations. How many years’ experience they have in the industry and have they been successful in other companies in the network marketing industry. Their experience will help them shape the company to last a very long time than a money bag that just want to take advantage of the industry to amass wealth.If you can, talk to people that are currently involved with the company. Ask the person that is presenting the business opportunity to you if they can introduce you to other members, preferably members not in their team and listen to their stories about their real life experience with the company.Check Their Products or Services: This is a business, and just like if you were running a franchise or a storefront you must take a franchise of a product you know you can sell easily. Find out the features and benefits of their products to see if it will meet the need of the people you want to introduce into the business and those that will be your customers, will they use it and need more of the products?Examine the Compensation Plan. Compensation plans come in all shapes and sizes. Some are extremely complex to understand and others are very simple. You must know how fair and generous the overall distribution is. This is really important as the pay plan represents exactly how you’ll get paid–or not get paid. If you don’t understand the pay plan how are you supposed to know how much effort will be required for a certain level of pay?Sincerely Compensation explanation is complex subjects that cannot be explain fully in this article, even when you are explaining a simple compensation plan, but you must know the basis before starting your own network marketing business.There are five types of compensation plans used in Network Marketing industry, with many variations of each. There is probably no one plan that is perfect or right for everyone at every time. What may be the best plan for you today could change due to regulations, your experience in the industry and/or the type of product, even new technology. And, it’s those variations that can make the difference.Let’s take a look at the 5 different types of plans in their most basis forms, they are…

Stair Step Break A Way {Board Breaking etc)

Uni-Level

Matrix

Australian

Binary
Most new aspiring network marketing business owners always ask, which of these network marketing compensation plans is best. There is no one sentence that fits the answer to this question. It depends a lot on your personality and what you want to achieve from your network marketing business. The thing to remember is that, apart from retail profit where applicable, a network marketing compensation plan pays you for a combination of product sales and sales management. So if you are more of a traditional salesperson who can move tons of products, it may be advisable to go with the company that pays more for product sales than for managing sales teams. If you really want to make it big in network marketing, study the compensation plan of any company before signing up.Online Marketing: Make sure the company policy allows you to utilize the internet as a marketing tool and they must have system in place that will help you do that, such as your replicated website, online payment system, online product delivery system etc. People are utilizing the internet as their main marketing tool because of the automation on the internet that has allowed a much more consistent method of following up.The only reason why some companies don’t accept online marketing is due to people who utilize it to spam and that can give a very bad reputation not only to the distributor, but also to the company you’re working with.In conclusion, the best company in network marketing is the one that has a realistic pay plan, which is a compensation plan where the incentives given to members are achievable by the company through their product and services. You must also take notice of some of the points listed above to make your choices.

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What is Internet Marketing? Define Internet Marketing

What is Internet Marketing? In broad terms Internet Marketing refers to promotion of commerce or business through the Internet medium. It is the way in which products or services are promoted and sold over the Internet. Internet marketing, also called web marketing, online-marketing and even “i” or “e” -Marketing uses the Internet to deliver all types of media to a global and even local market. The relatively low cost to disseminate information to a global audience makes it very unique compared to marketing of the past.The interactive nature of the Internet has forced the evolution of its marketing strategies to include specialist skills to deal with the instant response and eliciting responses now present with this unique medium. A device must be included in your Internet marketing system to accommodate this instant response.The term is also inclusive of the post-sale relationship between a business and its customers because it encompasses digital customer data management and electronic customer relations. It is widely used in the business world today and referred to as ECRM – Electronic Customer Relationship Management. This makes the scope larger as it refers to the on-going relationship supported by the Internet, e-mail, and wireless media.Internet marketing ties together the technical and creative aspects of the Internet including design, branding, promotion and advertising, as well as sales. Here are three main objectives to help define Internet Marketing:(1) Deliver a company’s message or presence in a marketplace. Branding its culture, mission and value as well as educating or detailing its products or service via the computer screen.(2) Collect data research not limited by demographics, individual preferences or past requirements of both existing customers and (different groups, classes, stereotypes, etc.) as potential new customers.(3) The actual selling, collection of fees, tracking of distribution and follow up of goods, services, or advertising space over the Internet.The way in which one reaches out via the Internet to its prospective client is through different strategies. The more popular Marketing Strategies utilized by Internet Marketers are Social, Content and Paid marketing approaches. Each has their own attributes as well as limitations or short-comings.There are several Business Model terms associated with Internet Marketing.E-COMMERCE (electronic-commerce) refers to business over the Internet. Web sites such as Amazon.com and eBay are all e-commerce sites. The two major forms of e-commerce are Business-to-Consumer (B2C) and Business-to-Business (B2B). So, while the neighborhood baker doesn’t sell his cupcakes on the Internet, he utilizes the benefits of the Internet to search and find the supplier with the best price for flour.LEAD-BASED WEBSITES are organizations or groups of websites that create value by capturing prospective clients or sales leads from the Internet to be utilized by or sold to a third party.AFFILIATE MARKETING is a process in which a product or service is promoted by many people or entities that receive a percentage of the profits when the product is purchased. The Affiliate did not develop or produce it themselves. The owner or producer of the product has authority over whom and how their product is sold and customarily provides the “affiliate” with marketing materials; i.e. Website links, capture pages, and banner ads that have encoded tracking – the device used to ensure the affiliate gets credit for the sale.LOCAL INTERNET MARKETING is the process used by a company with a “local customer base” that traditionally sells by warm market referrals, signage, location visibility, and utilizing the Internet to find and cultivate relationships with potential customers to later interact with offline.BLACK HAT MARKETING is a form of Internet marketing or search engine optimization (SEO) commonly referring to the practice of using unethical techniques or employing deceptive, abusive, or less than truthful methods to make your search rankings go up to drive more traffic to your website.The birth and growth of Internet marketing has also made a mark on the “personal worlds” of many individuals. With Internet Marketing offering individuals infinite ways to promote and market themselves, products, services and opportunities, the world of home-based-business has exploded.Initially for the person that desires to capitalize on this medium for their own person commerce, Internet Marketing can be confusing or even overwhelming for most. Each method seems to have its own language to decipher and obstacle to overcome. A system or platform to manage all of these strategies can be very useful if it includes support training. It’s best to only choose 1 or 2 initial strategies to focus on at one time. The best strategy for one person may not be the best strategy for you. Most important is that you discover the strategy that you like most and are comfortable performing. If you enjoy the process you will be certain to be better at it. And the better you are at it, the more likely you’ll become consistent with its implementation. You will find that the strategy you choose is much less important than your ability to do it consistently in order to achieve results.I agree it can seem overwhelming at times, but actually the process can be quite simple if you focus on just one strategy at a time. There are unlimited training courses, Internet tools, websites and programs to help you be more effective and efficient in each category or strategy you choose. Having someone to help guide you through the process, pointing out which tools and programs offer the most help, not only will save your sanity, but also can save you hundreds of hours and thousands of dollars in the process.

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Home Business – Don’t Get One Of The 3 Stooges! (Part 1 – “Home Data Entry”)

Making some extra money by working at home sounds great, doesn’t it? Choose your own hours, work as much or as little as you want to, fit it all around your other commitments – it sounds wonderful! And it can be, if you give very careful consideration to what I call “The 3 Stooges of Home Business.” This article is the first in a series of three articles.Please be aware that these articles offer you only my own personal experiences and opinions. This article focuses on the concept of making easy money for typing at home.If you have been investigating the possibility of starting a home computer business for very long, you have probably seen several websites promoting home data entry, filling out forms, etc. These websites often mention that you will be writing simple, short ads for hundreds of companies, your ads are never turned down, they will take only minutes to write, etc.Although I have, by no means, tried every single one of them, my experiences with that type of product have been pretty consistent.Basically, the “forms” you fill out are Google ads. When you go to Google and enter, say “dog training,” you get pages of results. Notice the little listings on the right-hand side of the results page. Those little entries look a lot like regular newspaper classified ads.They are, in fact, the internet equivalent of classified ads. Let’s say that you have some camping equipment that you no longer use, and you put an ad in your local newspaper advertising that camping gear. You would pay for the ad, based on how many lines your ad used and how many days you wanted it to run. You might even pay extra to have it run on the weekend or to appear near the top of the “used camping gear” section. If someone buys your camping gear, you make money. If no one buys your gear, you’re out the cost of the ad.It’s basically the same thing on Google. People who want to advertise a product write ads, pay to place those ads on Google, and wait for someone to buy the product.That’s where you come in with many of the home data entry products. When I bought these products, what I received was, essentially directions to choose internet products that I would like to advertise, write Google ads for those products, pay Google to run the ads, and hope someone bought the product so that I could make some profit on my Google ad costs.(As you might imagine, the products were not nearly so clear in explaining the “big picture” as what I just wrote to you.) But back to the promises of easy, fast, big money from my home computer in only minutes per day.It didn’t happen.Here are the major problems I encountered.It’s true that there are hundreds and thousands of companies that would like you to write ads for them. Of course there are! Those companies would love for you to pay for ads for their products. When someone buys, they make a sale (that costs them nothing to get), and they pay you a commission. When no one buys, they lose nothing. You, however, pay for the Google ads even if not one single person buys the product.It’s also true that your ads are never rejected (unless you write an ad that offends Google’s publication rules – obscenity, etc.). But it’s the same thing as above. No buyers equals no money for you.Remember the part about paying more for your camping gear ad to get it running on the weekend, or placed near the top of the section on camping gear? It’s the same basic situation with Google ads, only the higher costs are related to the most popular products.So if you decided to advertise a product for making money on the internet (a very popular content area), your advertising costs would probably be pretty high.If you decided to advertise a product that teaches people how to train chimpanzees to waltz, you could probably get pretty inexpensive ads on Google. But how many people will be likely to actually buy your waltzing chimpanzee product?It is possible to make money by promoting products through Google, but it’s a sad fact of internet life that most Google advertising beginners lose money and give up quickly.The people who do make a lot of money with Google ads have invested a lot of time, study, comparative ad testing, and money in their success. Unlike those people, I must count myself as someone who tried Google, lost money, and quit before I lost more.So – in summary – if you are considering the home data entry type of products, investigate thoroughly before you commit. Write to the “contact us” or “help” links on the website, and ask for specific information about what the product will deliver to you, and exactly what you will need to do in order to really make money with the product. Be sure you understand exactly what the refund policies are (when I requested a refund from one company, they simply sent me automated emails saying that my email request could not be delivered to them – until the refund period had expired).Whenever you buy any information product on the internet, be sure to save your receipt and keep track of it. You will almost certainly need the information on your receipt if you ever decide to request a refund for the product. In addition, be careful to keep track of time. Once their stated refund period has expired, any company can quite fairly refuse to return your money.Reprint Rights: You are free to copy this article and reprint it as long as you adhere to the following requirements. You must reprint this entire article, exactly as it is now, with no changes. You must include in your reprinting the full Resource box at the end of this article. You must not change the title or the content of the article in any way. You must reprint this article in such a way that all links are active and linkable with no syntax changes. You must follow all requirements regarding spam, disallowed topics, etc. You must include the following article source credit below the article with an active link.

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A Lesson Plan Practically Incorporating Instructional Technology for Reading Skills

If we teach today as we taught yesterday, we rob our children of tomorrow.
-John DeweyLesson plan is believed to be a scheme that sets limits to the extent of teaching in a particular time and place with varying formats depending on any educational institutions’ discretion. This presented lesson plan does not claim to switch any other formats of lesson plans but rather tries to basically introduce how a lesson can be integrated with simple forms of technologies while students engage with activities to efficiently refurbish their macro skills and language awareness for effective interaction. Modern language learning does not only entail macro skills and linguistic skills but achieving the essentials how technologies are used in the classroom among learners is a must in a continuously expanding digital learning environment. This semi-detailed procedural lesson plan that adheres to the fundamental and essential components of a learning blueprint seeks to encourage the creativeness of teachers to incorporate instructional technologies in any method it is possible.Lesson Plan for Level B1′s Reading SkillI. Behavioral ObjectivesAt the end of the reading lessons, the B1 students will be able to:1. scan and predict the content of the passage
2. obtain main ideas of the passage
3. gather details found in the passage
4. create inferences from the text
5. use Microsoft word processing fundamentals
6. immerse and utilize technology-related learning tools
7. Appreciate the use of technology in language learningII. Subject Matter
Reference:
Reading 1: Customs around the world
Unit 2: Customs and Tradition
From Pages 36 & 37
Unlock 3 Reading and Writing Textbook for B1 level
By Carolyn Westbrook
Cambridge Press, Fourth Printing 2016Target Student level: B1 from Common European Frame of Reference (CEFR)
Time Frame: 60 minutesIII. Materials:Soft copies of activities for screen display and downloads
Hard copies and soft copies of activity sheets
Projector for passage displays
Internet to surf pictures and to propel the Blackboard
Students’ Blackboard account to download files
Teacher’s Blackboard account to upload files
Desktop computer for class activitiesIV. Procedurea. PreparationSet all the materials as tools in the teaching and learning process. Create classroom as an atmosphere for conducive learning. It is suggested that the behavioral objectives or intended outcomes may be underscored for students’ prior awareness.b. Motivation• The teacher uses this portion as a springboard that links students’ attention to be engaged with the lesson.
• The teacher presents a globe’s picture from the internet in the absence of a globe. The teacher may further substitute it with a Google map.
• The teacher displays pictures of people around the world with varied customary gestures onscreen in a PowerPoint presentation
• The teacher elicits responses from the students on what do these gestures mean. The teacher indiscriminately collates all possible responses and be able encourage students to write accepted answers through a spider gram and relate their accepted responses to the main word in the graphic organizer.
• The spider gram should have a soft copy enlarged by a projector for the students to complete on the spot. All responses should be transparent for the students’ inquiries.
• Students are requested to fill-in the blanks using the classroom computer.
• The teacher may further ask some customary gestures which they are familiar with and may additionally relate the pictures to that of the globe presented in class.c. Presentation of the lesson• Overview some reading essentials through a PowerPoint presentation
• Provision of a background knowledge regarding passage comprehension
• Delivery of some techniques in answering comprehension questions. These ideas are displayed onscreen.d. Lesson ProperDiscussions are followed by activities displayed onscreen. Answers in every activity will be highlighted, circled, underscored, italicized and painted, respectively by the students. Errors of one students’ may be the errors of others so it is beneficial to display answers done by students individually. This involves teacher roles and students’ roles. The teacher strives to adhere on the principles of facilitation rather than lecturing depending on the students” performance exhibited in the process.• The teacher explains scanning and predicting.
Students will response to activity numbers 1 & 2
• The teacher introduces the meaning of main ideas
Students will perform reading activity number 1.
• The teacher discusses what details are with concrete examples.
The students are going to deal with activity number 4.
• The teacher elucidates inference as a part of reading
The teacher explicates by elaborating what ” reading between the lines” means by providing specific examples and guiding the students on the task related.
The students will perform activity number 5.V. EvaluationThe teacher frames or customizes an example of a passage if there is no available authentic passage as a springboard to test the students’ abilities on scanning and predicting the content, obtaining main ideas, assembling and creating inferences from the customized text.
Answers are deliberated by the teacher for common understandingVI. GeneralizationThe teacher accentuates on the importance of reading and how effective reading comprehension is achieved through learners’ abilities in scanning, predicting, determining main ideas, assembling and creating inferences.VII. HomeworkRead the passage, A British Wedding found on page 40. After reading, open your Blackboard account and download two (2) files related to this text.• The first file contains activity sheets that tasks you to fill-in the gaps regarding the passage.
• The second file entails you to complete the tree diagram for text comprehension.
• You are required to bring these sheets for further discussions about Reading Number 2, tomorrow.Incorporating instructional technology in language teaching doesn’t need to be complex or sophisticated. Through the basic technological materials, the lessons become worth-engaging and worth -exploring. Excerpted film clips, film soundtracks, film opening and closing credits, an excerpted dialogue, digital script, film posters, music video, songs, film biography, film trailers, book reviews from the cyberspace internet graphics, music or sounds, reading passages from the internet, popular speeches, pictures, tables, Blogs, Facebook posts and comments, YouTube clips, live or print varied advertisements, recorded recitals, newscast among others, are materials that trigger practical technology -related instructions. As noticed, these authentic materials are media forms and productions that necessitate the employment of multimedia and technological tools. These phenomena further stress that integration of technology in instructions is always interconnected with the interplay of print and audio-visual media and are absolutely operated by multimedia highlighting the fact that the multiple and prolific growth of multimedia are propelled by rising technology to produce media forms which are now advocated by innovative educators in an authentic learning environment in the design of curricula and instructions. Access to these materials yield the occurrence of students’ technological involvement guided by well-designed lesson plans characterized to be specific, measurable, aligned, realistic or relevant, and time-bound (SMART) just as how their behavioral objectives are keenly observed as students ‘performance indicators. Furthermore, the success of technology integration in lessons is measured through the manipulation of technical tools by both teachers and students to attain a two-way pedagogical process.Finally, the educational world of learners in the contemporary times is digital. It is crucial that students must be brought into authentic learning environment for the creation of a real- world to be explored by by productive learners. “Social tools leave a digital audit trail, documenting our learning journey-often an unfolding story-and leaving a path for others to follow,” as Marcia Conner articulates. Every educator embraces the fact that learners and educators in the contemporary times are called maneuvers of a digital age for a more globally digital world through the academe as the hub of a continuing instructive progression.

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Where to Invest in Good Mutual Funds in 2014, 2015 and Beyond

Finding good mutual funds starts with finding good mutual funds companies (families) and some families are friendlier to average investors than others. They offer good investments to folks who simply aren’t sure where to invest money. People get confused by all the sales rhetoric, so here we simplify where to invest with the companies that are investor friendly.I started following (and selling) this stuff in 1972 as a stock broker, trying to get a handle on where to invest other people’s money… trying to pick only good investments for those who trusted me. Once I learned that funds were the answer to what 90% of people needed, the question became: how do I find good mutual funds? I am writing this in 2014 as a retired financial planner, and would like to share something I’ve learned over the years, so hold your breath.Your idea of what good investments or good mutual funds are might differ from the ideas a sales rep might have, especially if that person makes money from commissions and other fees. Breathe easy. A financial planner who works for commissions can tell you where to invest and can sell you good mutual funds. The problem is that he or she can’t tell you where to invest in the investor friendly companies… and make a living doing it.A $20,000 investment in a stock fund could cost you $1000 upfront, $400 a year for expenses, and another $300 a year for additional fees if you invest through a planner. Or, it could cost you a total of $200 a year or less if you invest directly with a major investor- friendly NO-LOAD company.Truly good mutual funds companies keep investor costs low. They are financially strong; and offer a broad selection of investments with good performance records. Good service is provided at no cost. Enter “no load funds” into a search engine to find them. Names like Vanguard, Fidelity and T Rowe Price will appear. They all offer average investors good investments at low cost. All three of the above meet our qualifications – and the first two are the largest companies in the business.Good mutual funds are not expensive, and you do not get what you pay for when you pay for high charges and fees. In fact, these extra costs drain money from your account and work against you. The net result is a lower return on investment. I don’t call that investor friendly. When there’s a high cost if investing, that’s not where to invest your money.Now, once you’ve opened an account with one of the friendly companies you could be facing a list of more than 100 choices to choose from. Now the question of where to invest gets more specific. How do you find good mutual funds to invest in? The general categories are stock (equity), bond, money market, and balanced funds (the latter being a combination of the other three). What you need to understand is that even good mutual funds in the stock category might lose money in 2014 and/or 2015. If the stock market falls, these funds in general will not be good investments. Also, if interest rates climb, bond funds will not be good investments. More than anything else, the markets determine whether or not investors make or lose money. On the other hand, good mutual funds tend to outperform the rest over the long term.With today’s record low interest rates money market funds don’t look like good investments because they pay almost nothing in interest. But, that’s where to invest money you want to keep safe. If rates go up, money market rates will follow. Balanced funds will be losers if stocks and/or bonds take a big hit. Don’t get depressed. Invest in 2014 and 2015 with your eyes open.Going into the year 2014, stock funds were very good investments for five years straight; and bonds funds were good mutual funds to invest in for over 30 years. In 2014 and beyond things could get rough. Focus on strategy more than picking good investments in each fund category. Have some cash in a money market fund awaiting future opportunities when the dust settles. Spread your money across all four fund categories, because no one really knows where to invest in times of uncertainty.As 2014 and 2015 unfold, remember that both stocks and bonds have their up and downs. Over the long term, funds have been good investments for tens of millions of people through good times and bad. Keep in mind that good mutual funds come from good mutual funds companies… and that’s where to invest your money.

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How is Parkinson’s Disease Treated?

Parkinsons disease is a comparatively common condition of the nervous system which is as a result of problems with the nerve cells in the part of the brain which generates dopamine. This is a chemical substance that is needed for the smooth management of muscles and motion, so the symptoms of the disorder is a result of a reduction of that chemical. Parkinson’s disease mostly impacts individuals aged over 65, but it can and does come on at younger ages with 5-10% developing before the age of forty.

The chief clinical features of Parkinson’s disease are a tremor or shaking, that will commences in one arm or hand; there is often a muscle rigidity or stiffness along with a slowness of motion; the stance gets more stooped; additionally, there are equilibrium concerns. Parkinson’s can also cause greater pain and result in depression symptoms and create problems with memory and sleep. There isn’t any specific test for the diagnosis of Parkinson’s. The identification is usually made primarily based on the history of the symptoms, a physical along with neural evaluation. Other reasons for the signs and symptoms also need to be eliminated. There are imaging assessments, such as a CAT scan or MRI, that can be used to eliminate other issues. From time to time a dopamine transporter diagnostic might also be utilized.

The actual cause of Parkinson’s isn’t known. It does appear to have both genetic and environmental elements with it plus some specialists think that a virus may induce Parkinson’s as well. Decreased amounts of dopamine and also norepinephrine, a substance which in turn is responsible for the dopamine, have already been found in those with Parkinson’s, but it is not yet determined what is causing this. Unusual proteins which are named Lewy bodies have been located in the brains of those who have Parkinson’s; nevertheless, experts don’t know what role they may play in the development of Parkinson’s. While the specific cause just isn’t known, studies have identified risk factors that establish groups of people who are more prone to develop the condition. Men are more than one and a half times more prone to get Parkinson’s as compared to women. Caucasians are much more prone to get the condition as compared to African Americans or Asians. Those who have close members of the family who have Parkinson’s disease are more likely to develop it, implying the inherited contribution. A number of toxins could raise the potential for the problem, implying a role of the environment. People who experience difficulties with brain injuries can be more likely to go on and have Parkinson’s disease.

There is no identified remedy for Parkinson’s disease. That will not imply that the signs and symptoms can’t be handled. The main method is to use medicines to raise or replacement for the dopamine. Balanced and healthy diet together with frequent exercise is crucial. There may be changes made to the surroundings at home and work to keep the individual involved as well as active. There are also some options sometimes for brain surgical treatment which can be used to relieve some of the motor symptoms. A diverse team of different health professionals are often involved.

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Understanding the Impacts of Gout

Gout is among those historical problems because there are numerous mentions of it in historical literature, at least since ancient times. The traditional typecast of it is that it is related to the upper classes that binge in alcohol and certain foods. This image was pictured in early art work illustrating people who had gout. Gout has stopped being viewed as a problem of over consumption, because of the current research demonstrating an important genetic component to it.

Gout is a distressing inflammation related disorder which mostly impacts the joints, most commonly the great toe joint with the feet. It is because of uric acid crystals getting placed in joints in the event the bloodstream uric acid quantities are increased. The uric acid comes from the breakdown of purines which come from the consuming of foods like venison, salmon, tuna, haddock, sardines, anchovies, mussels, herring along with alcohol consumption. It is possible to understand how that old misconception was produced according to the overindulgence of the higher classes in those types of food and alcoholic beverages. The actual problem is not really the quantity of those foods which can be consumed, but the actual genetics of the biochemical pathway which usually breaks the purines in these food items down into the uric acid and how your body deals with it.

While diet is still important in the treating of gout and lowering the quantity of food which have the purines with them continues to be considered essential, however it is becoming apparent recently that this is just not sufficient by itself and just about all those who have gout probably will need pharmaceutical management. It goes without saying that drugs are likely to be needed for relief of pain throughout an acute flare up. The acute phase of gout is extremely painful. Over the long term there are two forms of drugs which you can use for gout. One kind of medicine block chemicals in the pathway which splits the purines into uric acid, which simply implies there will be much less uric acid in the blood stream that could find its way in to the joints to trigger an acute episode of gout or lead to the long-term gout. The other main kind of drug is one that can help the renal system remove much more uric acid. This would also reduce the urates in the bloodstream. Generally, only one of those drugs is all that’s needed, however occasionally both are needed to be utilized at the same time. Since these prescription medication is ordinarily pretty successful, that will not indicate that the life-style and eating habits changes may be pushed aside. Local measures, including wearing good fitting shoes if the big toe joint gets too painful is important. Also ice packs during an acute flare up will also help with the relief of pain.

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How To Approach Removing Asbestos Removal in Sydney

Planning to renovate your home built decades ago? Well, you got to be careful! There is a good chance it may have asbestos. This is a popular building material used throughout Australia before it was completely banned in 2003.

Asbestos is not generally considered hazardous. In fact, homeowners are only allowed to remove up to ten square meters of non-friable asbestos. More than that, people are advised to seek professional help, especially handling friable ones. Because of the health risks involved, DIY removal is considered illegal.

This is particularly prohibited in Sydney. Hence, the expertise of your trusted asbestos removalists is required to handle the dangerous job.

Why Removing Asbestos Can Be Dangerous?

There are many DIY ideas. Some are equally fun. Whilst, others can be hazardous, like removing asbestos by yourself.

Here are some reasons why removing asbestos without proper knowledge can be dangerous:

Exposure to diseases

Small quantities of asbestos are present in the air most of the time and are being breathed in by everyone without ill effects. But, exposure to high levels of asbestos for a long time is pretty serious. It can cause asbestosis, lung cancer, and mesothelioma.

Accidents and Injuries

Asbestos is used in cement sheeting, drainage and pipes, guttering, and even roofing. But, asbestos roofing can become fragile over time. Hence, you might risk breaking it apart, releasing harmful fibres into the air. Also, a single sheet of asbestos can weigh 30-50 kilograms. Such weight can cause injuries.

Wrong removal and ill-fitting equipment

You may not know the proper ways to remove asbestos, exposing you to very harmful fibres. And the recommended removal equipment is quite expensive. You don’t have to deal with it on your own.

How Much Does It Cost To Remove Asbestos?

Asbestos removal can be pretty costly. It is determined by the type and size of the area, as well as the amount of debris to be removed. The safety risks of asbestos also increase the cost, especially when friable asbestos is involved. But health is wealth. It is always worth the price.

Most junk removalists in Sydney are priced from $99.99 per cubic metre, however, given the highly dangerous nature of asbestos, prices may be higher. It’s important to receive a few quotes before proceeding with an asbestos removal service.

How To Find The Right Asbestos Removal Provider?

There are a few key things you can do right now to ensure that your search for a provider is a successful one. They include:

Check Online Reviews

Does the asbestos removal service provider have an abundance of positive Google reviews? Check the history of their reviews to make sure that they are in-fact, legitimate. Businesses with legitimate reviews tend to have a stream of reviews that span across years of their lifetime; not just all within a few months.

Service Locality

Hiring a local asbestos removal business is always best. This ensures that you receive the best pricing as the business is local and nearby to your location. Typically, local businesses tend to take more pride in their workmanship as a positive reputation is key to their ongoing success.

Number of Years in Business

Given the highly dangerous nature of asbestos, it’s important to check how long the business has been in operation. A business who has over 10 years servicing the local community may provide cheaper pricing, given that they likely will have more refined practices.

Conclusion

Take your time while in search of a suitable asbestos removal provider. Due-dilligence is important and always shop around for the best quotes.

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