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By Babak Tavakoli

Have you ever wondered how many different types of door hinges exist in the entire world? Well, you’ll be surprised at just how many options you have.

The Basic Rectangular Design

We are all familiar with the basic rectangular-shaped hinge. Sometimes, manufacturers add in some finer touches with curved edges. Another interesting update to this long over-used model is the feature of removable pins. This new feature enables much easier installation or removal processes. If you’ve ever tried to install a bathroom door, you’ll appreciate the complicated process that goes into such an operation – trying to properly align it to fit accurately. To put it simply, the installation company will really appreciate it if you bought this specific design.

Even within this basic version, you still have a wide variety of finishes from which to choose. These include satin nickel finishes and chrome plating. You may not realize how important the finish is to the overall look in your bathing space, but selecting an un-matching finish will definitely create an odd look in that short duration when the door flies wide open.

The Tee Shape

If you want a hinge to show off, then the tee hinge is your best option. In fact, you’re likely to find varieties with interesting decorative designs meant to add an eye-catching focal point within your bathing space. This would serve the best purpose in antique-themed bathing spaces, whereby black decorative hinges are installed on the doors.

Of course, this variety also has some design variations. You’ll always find the traditional design with a tapered edge on one flap and a rectangular shape on the other flap. Alternatively, you can have a tapered edge that doesn’t end completely in a round curve.

Zinc plated versions are also available for that modern look in your bathing space. Moreover, you may have the nifty bearing design innovation that completely eliminates metal to metal contact. For every home owner who has ever experienced the irritating squeaking noise from door hinges, that is truly a god-send. With that simple innovation years of gnashing of teeth has finally been to an end.

Strap Design

Closely related to the tee hinges, strap hinges also enhance the decorative appeal in your bathing space. Instead of a tapered edge on only one flap, you have tapered edges on both flaps. Just like the tee hinges, these interesting variants are also quite easy to install, since they are simply surface-mounted.

The Spring Door Innovation

Of all the hinge types, this is truly an excellent innovation of the hinge family. If you thought that the only option for self-closing doors was a bulky hydraulic arm unit, you were terribly mistaken. With the spring loaded hinges, the force used in opening your door will be conveniently used in closing it. When you open the door, the spring within the hinge mechanism uncoils. It then pulls back and closes the door immediately you let go of it. Just make sure to keep it in good working order and replace it before it outlives its useful life span.

Babak Tavakoli always keeps up-to-date with the current innovations in housing fixtures. You can easily purchase such items from reputable suppliers. ACS is one such supplier that stocks quality bathroom fixtures. For more quality bathroom fixtures that you need for your bathrooms visit http://www.acsbathrooms.com.au/door-hardware/hinge-series.html.

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By Tim Witherspoon

An asphalt shingle roof can not only provide you with ample protection from harsh weather; it can also improve the look of your home. Asphalt shingles – provided they are of high quality and were installed properly – can last for decades. However, this does not mean that you should not take care of your roof. If you overlook this part when you do periodic checks on the state of your house, you are shortening the life of your asphalt shingle roof.

There are a number of things you should not forget to do if you want to maximize the use of your asphalt shingle roof. First, you should always have extra shingles on hand. If you were not able to save a few pieces when your house was built, take time to go to your nearest home improvement store to purchase spares. This way you can immediately replace worn out, broken, or loose shingles when necessary, thus avoiding damage to your roof. On a related note, you should not also forget to check on the asphalt shingles on your regularly to determine if repair or replacement is needed.

Another thing you should not forget to do is to clean your roof every so often. If you live in an area that has many trees and/or often experiences heavy rains and winds, make it a point to clear the roof of debris and leaves as soon as the weather permits it. This is because if you let debris accumulate on the roof, water and moisture build-up can follow , which in turn can lead to the shingles deteriorating or your roof leaking.

Still in line with the point in the preceding paragraph, make sure that you clean your asphalt shingle roof thoroughly at least once every two years. There are two ways to go about this. If you are not physically able, have a fear of heights, or do not have the time to do this, you can hire a roofing expert to do the cleaning for you. However, if you are up to the task, you can clean the roof of your house yourself. Just make sure that you are wearing the proper attire and that you have all the things you need to be able to do so.

If you don’t know how to go about cleaning the roof but are interested in doing the task yourself, here are the materials you will need for the job:
- bleach
- garden hose
- ladder

For the cleaning solution, mix the first three components in the list in the bucket and then pour this in the garden sprayer. Then go up the roof and spray a part with the solution. After letting it stand for a couple of minutes, scrub it using the broom and then rinse the roof with water.

Taking care of your asphalt shingle roof is not easy as you have to invest time, effort, and money to be able to do so properly. However, you need to do this if you want your roof to last for a long time.

Welcome to Pressure Washing Phoenix the premiere,full-service pressure washing, power washing and steam cleaning company servicing the entire Phoenix area.
We are locally owned and operated.(480) 448-9066 http://www.PressureWashingPhoenixaz.com

Pressure Washing Phoenix
2231 W. Twain Dr.
Anthem, AZ 85086
(480) 448-9066

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By Patrick M Williams

So you’ve been contemplating whether it is time to finally change your lifestyle for good in order to lose weight. As you probably already know, you have about a thousand options out there whether you are talking about diet or workout programs. It is important to know that if you follow these tips, you will be successful no matter what specific program(s) you choose. These tips deal with your core motivations and what drives you. Until you figure these things out, you will never PERMANENTLY change.

1. It is so important to maintain what I call a “next month” outlook.

How do you want to look after the next four weeks? How exactly do you want to feel? This approach is so much more effective than thinking about completely transorming your body after the next two years. Sure there is a time and place for that, but it can be a little overwhelming at times.

2. Change the way you view (and value) food.

Examine your motivation for eating. I know this may sound a little strange at first, but just think about it. Do you eat because you are “craving” a certain food? Or do you eat out of sheer habits that you have been practicing for years? Obtain a sense of purpose with your eating habits. Let me give you a very simple example. I eat predominantly lean proteins and green vegetables. My next meal is going to be scrambled egg whites along with some sauteed spinach.

3. Don’t view exercise as a chore!

I know what you are thinking. I don’t like working out or I don’t have time to work out. These excuses can seem so concret and valid in your justification-matrix. Just remember that these views and opinions are simply choices you have made. So choose to derive at least some enjoyment from exercise. You don’t have to be cheesy about it, but make a choice.

4. Stop comparing yourself to other people.

There are a few people that can be the exception to this rule. From the hundreds of people I have helped, I firmly believe that it is not a good idea to compare yourself to the fitness model you saw in the grocery store. You will only be hard on yourself

5. Create a vivid picture of the best you and hold onto it as often as possible.

Here’s where I recommend that you let your imagination run wild. If you have a picture of what you used to look like, this can be helpful too. Picturing the future you is much more productive though.

I genuinely hope that these tips can help you change your outlook for the better. Just remember to work on your mental, emotional, and spiritual outlook before really engaging in changing the physical. Once you have done this, then it is time to take massive action! Trust me, you will be so much more successful for it.

Patrick Williams is the owner of Fuel Rx Fitness in Sherman Oaks, California near Ventura Boulevard. Fuel Rx Fitness is the home of “metabolic burst training” and has helped hundreds of people reach their fat loss goals. Go to http://fuelrxfitness.com to learn more about their programs.

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Your online business can truly make your life better. You can use it to supplement your income, or you can make it a full-time job. This article will teach you not only how to keep your home based business from failing, but also to expand it.

Before you begin marketing and selling products, you should set your price point based off market research. Look at your competitors’ prices so you can offer your product at a slightly cheaper cost. Never talk negatively about your competition, focus on marketing your good qualities.

TIP! Business cards are a wise investment. There are many online companies that will print your cards for little or no cost.

You should set up your home office and stock it appropriately before starting your business. It may seem silly, but if you are not comfortable and have all you need, you may not be very productive.

Be sure to track every business expense you incur. You will want to keep track of expenses, such as office supplies and Internet service. When you’re self employed, there are many business expenses that become tax deductible. There is no reason to give your money away to the government. Keep track of all those little expenses. They could add up to big savings.

TIP! You must make sure you are compliant with all the local zoning laws and ordinances. You might end up with fines and embarrassing situations if you don’t do this.

A P.O. box is a simple way to easily separate your business and personal mail. Don’t put your home address on the Internet if you don’t have to. This way, you protect yourself and your family.

If you’re good at creating graphics on the computer, start a home business by making graphics for businesses who need your service. Small and local businesses often like having the ability to work one-on-one with an independent designer rather than hiring a large, impersonal design company. In this respect, you possess a leg up on large competitors.

TIP! Affiliates can market what you’re selling for you. Trade affiliate links with other home business owners and help each other grow your business traffic.

When working at home, office space is essential. Make sure that you will be comfortable in the space you choose. Your office needs to be an area that inspires calmness, inspiration, efficiency, and productivity. Size doesn’t matter as much as what you do with it.

Find the niche for your business. You need to know how to reach the exact people who want your specific product or service. Once you do this, selling will be very easy. Ask all those you know, whether friends, business peers, or customers, what they think of your niche. Find out if they can refer you to customers, too. Also, go to trade shows and follow up with those who are buying.

TIP! It is important to always look to the future. Celebrating your success in the past is good, but remember that those successes have already occurred.

Get involved with a home based business online community. You can interact and relate to other people in the same situation this way. Other people running a home business enterprise will understand your situation. They will be the best people to share information with and receive good advice from.

If you are starting a new home-based business, then you need an effective website. This is a key opportunity for you to expand your target audience and maximize sales. If you aren’t sure how to organize a website, ask a professional.

TIP! You want to promote your home business as often as possible. If you are talking to someone and the opportunity arises, don’t hesitate to mention your business.

Come up with daily goals. Make sure that your goals are reachable and attainable to reduce the chances of failure. Set boundaries if you are working out of your home so your family will respect your work and time.

Deposit your payments when you receive them. Don’t wait and deposit several payments at the end of the week; always take payments to the bank the same day you receive them. Deposit checks right away, so you do not lose them. Make sure that when you do make a deposit, you do so with a live teller rather than an ATM machine. This way you will know that they money is going to the right place without any problems.

TIP! Good liability insurance is a must if you have a home business. This can save you a lot of money if you ever get into a predicament.

Check with a tax professional to find out which tax deductions you are allowed to take for your home business enterprise and make sure to take them. Claiming all the deductibles you can will save you quite a bit of money.

Are you thinking of selling books that are used from your home? There are quite a few websites that allow you to sell books used. It is a good idea to use several sites. Examine the site’s reliability, how easy it is to use, and how fast they answer seller questions. Just because books are cheap doesn’t mean they will sell. A site with excellent service may have somewhat higher prices.

TIP! Be certain that your home-based enterprise is conducted safely, particularly if young kids will be in the area. In order to do this you may need to enlist a set of rules and boundaries.

One of the best ways to ensure that your home business enterprise makes as much money as possible, is to effectively market your business and products on the internet. By blogging, using email newsletters, and publishing articles online, you can boost your business’s visibility and build your customer base, which will lead to higher profits.

Get a phone line dedicated to your business. You can write off calls from this line at tax time. If a new line is not in the cards, then keep good track of all your business related calls and deduct that in your taxes.

TIP! You will have to justify anything that you write off, so make sure you keep good notes on business-related expenses. Learn exactly what things can be written off as honest deductions, and then make sure to keep all the paperwork for those things organized.

Be sure to stay positive. While it’s fine to celebrate your past successes, you need to realize that they have already occurred. Your focus now needs to be on the upcoming days and weeks. You will then be prepared to tackle any future problems and seize any lucrative opportunities that present themselves. When you are prepared, then you’lll limit your level of unwanted surprises.

Choose a home enterprise that fits what you like. When you enjoy what you do, your enthusiasm will be at a level that your customers can’t help but notice. Your love for your business will show through to your customers.

TIP! Keep track of any mileage used for business reasons. This is a deductible if you keep records of why the mileage was related to business expenses.

Make sure you have a safe workplace. Smoke detectors and fire extinguishers are a must. Also, make sure that your computer configuration suits your style. You can save a lot of money on insurance by having a proper fire safety setup. Having a workspace that is ergonomically sound will help you from developing a repetitive stress injury.

It is important to make a list of everything needed to start your business at home. Once you have a list, do some research to find the best deals for your business needs.

TIP! You need to make sure customers know where to go in order to purchase your products. If you only sell your items in retail outlets, tell them which stores make them available.

Make your website easy for potential customers to remember. Using a cumbersome or difficult domain name can make it tough for customers to recall. Catchy and easy to remember are the things you must work towards when choosing a domain name.

Never stop working to build your business, no matter how well established it is. Businesses constantly keep growing, so you will have to keep on advertising and promoting your business even after it’s running well. This will guarantee an influx of new clients headed in your direction.

TIP! You can take your clients out to eat, and get the bill partially deducted from your taxes. The expense of taking clients out for meals can be used as a tax deduction.

Payment Terms

Make sure that you take some time to relax. You want to further your business every chance you get, but you can’t burn yourself out or make yourself sick. You will need intervals of rest and recuperation to keep you on top of your business game.

TIP! Take advantage of courses or tutorials. Since you’ve got a home business, a ton of money can’t be spent upfront, however, you can go to some local business courses that can help you achieve your goals.

It can be easy to let your clients skate by when it comes to paying on time, especially when you are also trying to build relationships with them. However, you have to keep in mind that this can have a huge effect on your bottom line. Establish clear payment terms on all invoices and documents, including a reasonable penalty (start with eight percent) over the invoice amount, if the total is not paid within the standard payment terms.

Sticky notes are something that businesses can really benefit from. They can be used to remind yourself of key tasks or to find critical parts of documents.

TIP!

When owning a online business, liability insurance is definitely a must. This is good to know if people will visit your business at home. This helps protect you concerning accidents on your property.

TIP!

Online communities that cater to home based business owners are springing up left and right. Visit several message boards or forums, both within and outside of your specific niches. You never know where you will find valuable information on running a home business. The tips and tricks shared by owners from many different types of businesses could help you with your own endeavors.

TIP!

Track all of your business expenses. Keeping track of your finances will make it simple to file your taxes, and will help prevent any problems if you were to get audited.

TIP!

Keep track of any mileage used for business reasons. If you have records that include the mileage and why you needed to travel for your business, you may be able to deduct it from your taxes.

TIP!

Do you drive often for your business? If so, write down your mileage. You can write this cost off on taxes, and over the year your miles will really add up! The deductions come April can be very valuable!

TIP!

You should choose a business that you have a bit of experience in. There is a large number of people who make the mistake of thinking they can just jump in and learn as things come up. It’s easier–and more likely–to be successful if you choose an area that you already have some expertise in to base your business on. Think about the things you know a lot about, and then base the foundation of your company on what you already know how to do and enjoy.

TIP!

Finally, you need to keep your business going because the profit and your sense of accomplishment makes everything worth it. Have a business that grows and prospers through the years by following the advice in the article above.

TIP!

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By Tim Witherspoon

Protecting your cedar shake roofs from the damaging effects of wind, rain, and ultra-violet rays

Cedar shake roofs are attractive. There’s no getting around it. Their texture and color are undeniably appealing and they have some excellent benefits. For instance, they’re extremely wind resistant when properly installed and have twice the insulation value of asphalt. They’re not easily damaged by hail, can be made fire resistant and can last up to 50 years if not longer.

So why do cedar shake roofs account for only 3% of applications? One reason is cost; cedar shake roofs are expensive. The second is maintenance and a matter of protecting that large investment.

Although this article is about cedar shake roofs, keep in mind that all roofs should be maintained, no matter what the material. Moisture in high rain areas can cause buckling and fungus growth, high sun areas can cause fading and almost any roofing material is susceptible to squirrel, raccoon and rat damage. No matter what your roof is made of, take care of it!

The Enemies of Cedar Shake Roofs

Besides gnawing animals, cedar shake roofs have three big enemies: water, sunlight and trees. Sun and moisture changes the surface and look of the wood. Although cedar contains natural preservatives, rain can cause this natural protection to leach away. The sun and its ultraviolet light also break down the cedar shakes in microscopic particles, which are then washed away by rain.

Gradually, your roof will become weathered, turning silver gray. Fungus may grow underneath the shakes, turning the roof dark gray or black. Tree debris may fall on the roof and build up between the shakes, which hold in moisture after rains. The moisture gives room for lichen and moss to grow, as well as the possibility of wood rot. All in all, it’s a nasty process that, if not taken care of on a regular basis, will quickly deteriorate your cedar shake roof.

Caring for Cedar Shake Roofs

Many roofing contractors won’t provide – or even give an opinion on – cedar shake roof care. They don’t deal with cedar shake roofing and, furthermore, don’t wish to. If you want a professional to take care of your roof maintenance, spend time looking for roofing maintenance companies that specifically deals with cedar shake roofs. If you choose to do most of it on your own, here are a few tips to get you started:

- Keep it free of debris – As mentioned earlier, moss, fungus and tree debris can trap moisture and cause wood rot/deterioration. By keeping cedar shake roofs clean of debris, you allow the roof to dry faster after a rain.

- Cut back overhanging branches – Not all branches need to be cut back, but they need to be up high enough that air has room to circulate. Five feet above the roof is a good height.

- Do not use a pressure wash to clean – Pressure washing cedar shake roofs has been a common method until recently. This may not be as big a deal with older, heavier shakes, but new cedar shakes are thinner. Pressure washing actually washes away the outer layer of wood. Although this makes the shakes look “new”, that’s because the pressure wash has exposed raw wood. In turn, the raw wood is then exposed to even more deterioration.

Welcome to Pressure Washing San Diego the premiere,full-service pressure washing, power washing and steam cleaning company servicing the entire San Diego area. We are a locally owned and operated business.
Pressure Washing San Diego
1 Park Blvd,San Diego, CA 92101
(619) 268-1888 http://www.pressurewashingsandiego.org

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By Claude Ames

Real estate is a complex sector of life where dreams, emotions, business ambition and money intersect, creating one of the most volatile situations any person might encounter in their lives. When things go well, lives are built and wealth is accumulated – and when things go wrong, the conflict can become very intense, very quickly. Because mediation moves quickly and allows both parties to participate actively in the eventual solution, it is becoming an increasingly popular strategy in real estate disputes.

Steps for Success

1. Prepare

You need to create a coherent narrative that demonstrates how the dispute has adversely affected you financially and otherwise. You will need to gather relevant data and pull it all together. You will also need to practice presenting your case or side of the story. If it doesn’t make sense to you or close confidants, it won’t make sense to the mediator either.

2. Look Past Mediation

You need to be prepared and plan your next strategy, if ever the mediation fails. The pressure of making it work will be overwhelming and will undermine you if it is your only strategy.

3. Reach Out

In mediation, it is in your best interest to reach out to the other party. It is always recommended to exchange information about the case, your claims and your arguments.

4. Put Yourself in Your Opponent’s Position

See what they are looking to achieve, and then craft arguments against these goals.

5. Consult with Experts

When you are engaged in a discussion in a non-combative atmosphere, it helps to bring in professionals that can provide expert assistance and perspective to the issues at hand. Mediators will also provide the possible legal scenarios if the disputing parties decide to go litigation.

The Right Attitude

Learning to compromise is the fundamental key to successful real estate mediation. Mediation is not the right route for you if you want to destroy the other side or punish them. The goal is a mutually satisfactory solution that gives everyone at least some of what they want. This process does not fit parties who don’t like the idea of their opponent getting anything.

You must put aside those feelings and see mediation for what it is: A guided conversation leading you to a solution that both sides can embrace. If you can see your way to that headspace, this type of alternative dispute resolution has a chance of success.

Do you need any legal assistance regarding labor, real estate, or employment disputes? Instead of going through the courts, why not let a mediator or arbitrator help you resolve the matter. The Claude D. Ames Law Offices strives to make workplaces in Oakland, California fairer work environments. Please call (510) 652-1300 or visit his website: http://www.claudeamesarbmed.com

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By Ravi Namboori

Enterprise Resource Planning (ERP) is a software for managing businesses which facilitates organizations to manage their business by automating several back office tasks using various integrated applications. These tasks include the entire operation modules, such as manufacturing, development, human resources, financial management, and sales and marketing, among others.

The main objective of an ERP is to have one central source of information that would be shared by all the departments in order to streamline the data flow within a company.

SAP draws its name from the German-based manufacturer SAP, which stands for Systeme, Anwendungen und Produkte in der Datenverarbeitung, which is Systems, Applications, and Products in Data Processing in German language. The company, which was founded 1972, launched its first product named R/1, a real time data processing process, that performed financial accounting tasks. R/1 was without a database or presentation layers.

The late 1970s saw R/2 being released with two layers. These layers were presentation layer and distributed as database + application.

In the late 1990s, SAP released R/3, whose design was revamped, paving way for three layers of application, database, and presentation. The new design allowed different operating systems, database, and different platforms to be incorporated.

R/3 was upgraded to different versions, beginning from R/3 3.1l to R/3 4.6D in 2001. They were all based on BASIS. Then came R/3 4.7, which for the first time used a technology platform named Web AS, with the inclusion of Business Server Pages (BSP) Applications. It was also incorporated with Java 2 Platform Enterprise Edition (J2EE) Engine.

This was followed by a product named My SAP ERP 2004. The company then added Netweaver in 2004. My SAP ERP 2004 included enterprise core component (ECC) 5.0.

Now, SAP ERP 6.0., or with ECC 6.0.at is core, is the present version of the ERP. For this ERP, companies gradually introduce various other modules, including quality management, product costing, warehouse management, plant maintenance, etc.

The SAP ERP 6.0. offers the ability to oversee personnel, plants, finance, asset, production operations, etc. Many platforms support the SAP ERP, as the current version makes use of the client/server model. A computing device at the user’s end is the client, which can be a PC/tablet/or a personal digital assistant (PDA), while the computer that provides services is a server.

SAP ERP are the applications included in SAP Business Suite /SAP Business All-In-One software. They comprise three major modules of SAP ERP Human Capital Management, SAP ERP Financials, and SAP ERP Operations. All of these have various sub-modules under them. Financials has FI and CO under it, while OM and PM are included in Human Resources.

The SAP ERP uses the fourth generation programming language of Advanced Business Application Programming (ABAP).

With this ERP, you can witness actual events in the business driving transactions. Events in sales and production automatically trigger accounting to take place. You can calculate almost accurately as to when delivery of products will happen, apart from sales drive schedules for production.

The various stages of SAP implementation, from the initial to the ending stage are project preparation, business blueprint, realization, final preparation, and go-live and support.

Minimum hardware for implementation of a SAP ERP program is one large computing server for the R/3 database, two medium sized application servers, processors to display the R/3 applications on the computing device of each user along with SAP graphical user interface (GUI), and a dedicated local area network (LAN) for the user where all the computing devices are interconnected.

Adequate care should be taken by companies while transitioning to ERP, including proper training and testing. When the SAP ERP is implemented properly, an organization will see its business processes getting streamlined. It will also be able to reduce both inventory and lead time. This will automatically accrue in cost benefits for the organization.

When SAP ERP is implemented properly, it reduces the burden of global integration as boundaries between language, culture, and currency exchange rates are all blurred. It then needs to be updated only once to be deployed across the organization. Once implemented, real-time date is provided, which will vastly decrease redundancy errors.

On the flip side, all of the ERP packages may not be suited to a business model of an organization, resulting in customization costs to shoot up drastically. In certain instances, it might take a long time for the return on investment (RoI) to become profitable.

SAP ERP is a popular offering by one of the topmost vendors in this arena. Covered in this article are the various functionalities that this product offers and how a company can leverage them. Also mentioned towards the end are its benefits and disadvantages.further information : https://www.ravinamboori.in

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By David Hugonin

Ajowan (Trachyspermum ammi) seed is also known as Ajwain seed, Bishop’s Weed, Ethiopian Cumin, Omam, or Carom and is a popular spice in southern Indian style cooking. It has a flavour faintly reminiscent of thyme; a similarity due to the presence of the essential oil thymol in both species.

The plant is mainly cultivated in modern Iran and in Northern India. Rajasthan produced about 55% of India’s total output in 2006 apparently.

Ajowan seeds are used in Asian cooking, breads, biscuits, savoury pastries, and especially in bean dishes. This spice closely resembles the Lovage seed. The greyish-green seeds are striped and curved (similar to cumin or caraway seeds in appearance) and are often to be found with a fine silk stalk attached. The seeds are frequently chewed on their own for their medicinal value, tasting bitingly hot and bitter and leaving the tongue numb for a while. Cooking Ajowan mellows it somewhat,. The fruit seeds are rarely eaten raw except for medicinal purposes so they are most commonly dry roasted to release their fragrance and oil which mellows them or they are fried in ghee ( clarified butter) This allows the spice to develop a more subtle and complex set of aromas. In traditional Indian cuisine Ajowan is often part of a tadka which is a mixture of spices fried in oil or butter, which is then used to add flavour to lentil dishes. In Northern India, Pakistan and Afghanistan the seeds are sprinkled over bread and biscuits. Be prudent if experimenting with them as a small amount goes a long, long way and too much can completely overwhelm your final dish.

Here’s a cough remedy using Ajowan seed that I have tried and found firstly effective and secondly delicious…

Ajowan Milk Cough Remedy

This drink helps soothe a sore throat and lift a chesty cough.

Ingredients

Half a teaspoon of Ajowan seed 2 teaspoons of sugar or honey is better and to taste A very generous pinch ( half a teaspoon of turmeric) I mug of milk

Method

Heat the milk as if you were making a hot milky drink and dissolve the sugar or homey in the warm mixture. Dry roast the Ajowan seed in a separate pan. You will smell the thymol being released as the seeds brown but be careful not to burn them – you are just lightly dry roasting them. Add the turmeric powder and stior together with the dry roasted ajowan seed for a minute or so.

Ajowan seeds contain an essential oil which is about 50% thymol which is a strong germicide, anti-spasmodic and fungicide, the principal medicinal use of the seed. It is an antiflatulent (a polite way of saying that it helps you to pass wind) because it helps reduce the gas produced by our guts when eating legumes (something this editor can testify to!) . Thymol is also used in toothpaste and perfumery. It is used in a steeped liquid form against diarrhoea and flatulence.

In India the seeds are used as a household remedy for indigestion and colic and general upset stomach or intestinal cramps. The seeds are crushed and then used in poultices to relieve asthma and arthritis. It also has a reputation as possessing aphrodisiac properties and the Ananga Ranga prescribes it for increasing a husband’s enjoyment in his middle years!

Ajowan Seed – Is it an Indian Thyme? I am David Hugonin, owner and founder of Luminescents and The Natural Herbalist, one of Europe’s most trusted suppliers of oils and raw herbal material

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What happens if you miss a payment? Default on a loan? Can no longer afford to make the payments required?

Simple – you’re taken to task. The bill can go to collections, debt collectors can come after you and the mishap will be reflected in a negative credit score, forcing you to put debt management and credit repair plans into place to save face. In more dire situations, you might have to declare bankruptcy or seize some of your assets.

Yes, not being able to pay off debt according to the policy you originally agreed on can have dire consequences for your credit score and overall finances. But what happens when debt collectors can’t pay off their own debt? We ask that in lieu of two recent incidents where debt collection agencies have been handed hefty fines that they can’t pay, yet are allowed to remain in business. Here’s a closer look:

RBT Enterprises was handed a $4 million fine from the Federal Trade Commission for a series of deceptive collection practices that are believed to have cost consumers over $1.3 in unethical fees. RBT Enterprises can’t pony up the $4 million, but the FTC is allowing it to stay in business, pending it pays a $100,000 fee to suspend the judgment and the owner turns over his assets. The FTC is also allowing RBT to stay in business pending suspension of its unethical collection practices.

The second example involves ACE Cash Express, a payday advance loan company. The Consumer Financial Protection Bureau (CFPB) alleges that ACE used illegal tactics to force overdue borrowers into taking out more loans. As a result, the CFPB is ordering ACE to pony up $10 million – $5 million in customer refunds and another $5 million in penalties – to make amends, as well as discontinue their illegal tactics.

It seems a little odd and unfair that unethical debt collectors are allowed to stay in business after breaking so many rules and are given leeway when they can’t pay up as a result of their actions, especially when individuals faced with similar financial issues are judged so harshly and may have to spend years following a series of credit tips to repair credit in order to become a “good” borrower again.But the aforementioned examples should highlight how careful you should be if collectors are coming after you. Remember, debt collectors can’t lie to you – that’s illegal. But apparently if they do lie and deceive consumers, they can still stay in business after a smack on the wrist…

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For many people in today’s fast-paced world, getting the training needed for their jobs or to use in their personal lives can be difficult at best. Personal and professional responsibilities are always putting great demands on people’s time, so whatever training they may need must be presented in an easy, convenient format. To help ensure individuals are able to learn the skills they need to get ahead, more schools than ever before are offering IT training online. Not only do these classes teach the same skills as traditional on-campus classes, but they can be completed anytime and from almost any location in the world.

Students interested in obtaining training in Information Technology can do so from a variety of schools. Depending upon their personal or career goals, training can be obtained from community colleges or four-year colleges and universities. For people simply wanting to learn basic computer skills or perhaps update their skills on certain programs, many schools offer free online training. Known as webinars, these courses are very short-term and can be completed in no more than one day. Students can take courses in how to use e-mail, how to use social media sites such as Facebook and Twitter, how to give a PowerPoint presentation and much more. Most of these courses are designed for personal use, but the skills learned can certainly be applied on the job as well.

For those wanting to make Information Technology a career, schools offer training for that as well. Certificates, diplomas and degrees are offered by thousands of colleges across the United States and the world. Degrees can range from Associate to Doctoral, and most can be completed entirely online. For some schools offering Master’s or Doctoral degrees, a minimal amount of on-campus attendance may be required. However, this can often be done on weekends so it does not conflict with any work schedules. Students can obtain training in such areas as computer programming, network security, systems analysis, database management and much more.

Not only do students enjoy the flexibility of online IT training, but they also feel they receive more hands-on training with these courses. Rather than sitting in a classroom taking page after page of notes, students are instead putting new skills to the test almost immediately upon learning them. For example, students learning about PowerPoint may have to immediately put together a presentation for their professor that shows their understanding of the subject matter. Online training such as this gets students better able to think fast and creatively, allowing them to build a skill set that will prove useful both on the job and at home.

Students who are seeking degrees also like the ability to finish their programs of study in a shorter period of time than traditional programs. Most schools offer accelerated degree programs for their students, letting them finish as quickly as possible. Some schools offer combination degree programs, such as Bachelor/Master’s programs that can be completed within four years. In these programs, students take classes from both levels and are able to graduate one to two years ahead of schedule with dual degrees.

Whether for personal or professional gain, online training in Information Technology is a great way to learn the skills needed to compete in today’s ever-changing workplace as well as at home.

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