Accounting : Making a Profit

Accountants are responsible for preparing three primary types of financial statements for a business. The income statement reports the profit-making activities of the business and the bottom-line profit or loss for a specified period. The balance sheets reports the financial position of the business at a specific point in time, ofteh the last day of the period. and the statement of cash flows reports how much cash was generated from profit what the business did with this money.

Everyone knows profit is a good thing. It's what our economy is founded on. It doesn't sound like such a big deal. Make more money than you spend to sell or manufacture products. But of course nothing's ever really simple, is it? A profit report, or net income statement first identifies the business and the time period that is being summarized in the report. 

You read an income statement from the top line to the bottom line. Every step of the income statement reports the deduction of an expense. The income statement also reports changes in assets and liabilities as well, so that if there's a revenue increase, it's either because there's been an increase in assets or a decrease in a company's liabilities. If there's been an increase in the expense line, it's because there's been either a decrease in assets or an increase in liabilities. 

Net worth is also referred to as owners' equity in the business. They're not exactly interchangeable. Net worth expresses the total of assets less the liabilities. Owners' equity refers to who owns the assets after the liabilities are satisfied.

These shifts in assets and liabilities are important to owners and executives of a business because it's their responsibility to manage and control such changes.  Making a profit in a business involves several variable, not just increasing the amount of cash that flows through a company, but management of other assets as well.

Personal Accounting

If you have a checking account, of course you balance it periodically to account for any differences between what's in your statement and what you wrote down for checks and deposits. Many people do it once a month when their statement is mailed to them, but with the advent of online banking, you can do it daily if you're the sort whose banking tends to get away from them. 

You balance your checkbook to note any charges in your checking account that you haven't recorded in your checkbook. Some of these can include ATM fees, overdraft fees, special transaction fees or low balance fees, if you're required to keep a minimum balance in your account. You also balance your checkbook to record any credits that you haven't noted previously. They might include automatic deposits, or refunds or other electronic deposits. Your checking account might be an interest-bearing account and you want to record any interest that it's earned. 

You also need to discover if you've made any errors in your recordkeeping or if the bank has made any errors.  

Another form of accounting that we all dread is the filing of annual federal income tax returns. Many people use a CPA to do their returns; others do it themselves. Most forms include the following items:

Income - any money you've earned from working or owning assets, unless there are specific exemptions from income tax. 

Personal exemptions - this is a certain amount of income that is excused from tax. 

Standard deduction - some personal expenditures or business expenses can be deducted from your income to reduce the taxable amount of income. These expenses include items such as interest paid on your home mortgage, charitable contributions and property taxes. 

Taxable income - This is the balance of income that's subject to taxes after personal exemptions and deductions are factored in. 

Landscaping Your Garden - 3 Tips

Landscaping is usually a fairly big task, consuming much time and energy. But before you hire that professional, here are some tips that could save both time and money.

1. Spend some time thinking about exactly how you want the final design to be. You need to take account of the style and function of your landscape. Do you want to include an area for entertaining? A barbeque? Is there to be an area for children to play, a fishpond or a swimming pool? An idea of the plants you want to be there will also help. Focus on the area where you spend most of your time. That's a good place to start.

2. Think twice before hiring a pro. An independent designer might cost you hundreds of dollars when you may be able to access free plans on the internet or at a nursery. But if you have an awkward block such as very steep ground, a pro might give you the expertise to save costly mistakes.

3. The style of your home must be taken into account. If you have a rural cottage, formal gardens surrounding it will look out of place. Think also about your lifestyle. Do you want to spend hours caring for many beds of annuals or pruning beds of roses? If so, go ahead and plant them, but if you'd rather spend your free time at the beach, then go for an easy-care garden and landscape.

Here are the various landscape styles you can choose for your own garden:

a. Formal. This style uses lots of straight lines and perfect geometrical shapes. Orderly arrangement of plants instead of random positioning is employed. Close arrangement and pruning is seen on many landscaped gardens with this style.

b. Informal. This kind of landscaping workds well with cosy cottages. Beds with curved edges instead of straight lines and random placement of plants suit this landscape style.

c. English Garden. This style emphasizes the harmony between the house’s architecture and the garden.

d. Formal/Informal Garden. This style often comes with a brick walkway that exudes formality. This walkway leads to the rear with a circle of plants. The arrangement of plants resembles the English garden style but it has no formal borders.

e. Oriental. It is often the kind of garden found in small backyards. It uses rocks, evergreens and water. A wide variety of plants create several interesting angles with this style.

f. Woodland. This landscaping suits a house that has a wooded backyard and sloping ground.

Accounting : Bookkeeping Basics

Most people probably think of bookkeeping and accounting as the same thing, but bookkeeping is really one function of accounting, while accounting encompasses many functions involved in managing the financial affairs of a business. Accountants prepare reports based, in part, on the work of bookkeepers.

Bookkeepers perform all manner of record-keeping tasks. Some of them include the following:

» They prepare what are referred to as source documents for all the operations of a business - the buying, selling, transferring, paying and collecting. The documents include papers such as purchase orders, invoices, credit card slips, time cards, time sheets and expense reports. Bookkeepers also determine and enter in the source documents what are called the financial effects of the transactions and other business events. Those include paying the employees, making sales, borrowing money or buying products or raw materials for production. 

» Bookkeepers also make entries of the financial effects into journals and accounts. These are two different things. A journal is the record of transactions in chronological order. An accounts is a separate record, or page for each asset and each liability. One transaction can affect several accounts. 

» Bookkeepers prepare reports at the end of specific period of time, such as daily, weekly, monthly, quarterly or annually. To do this, all the accounts need to be up to date. Inventory records must be updated and the reports checked and double-checked to ensure that they're as error-free as possible. 

» The bookkeepers also compile complete listings of all accounts. This is called the adjusted trial balance. While a small business may have a hundred or so accounts, very large businesses can have more than 10,000 accounts. 

» The final step is for the bookkeeper to close the books, which means bringing all the bookkeeping for a fiscal year to a close and summarized. 

Healthy Hands - Gardener's Best Tools

Here are the major reasons why one should consider getting a pair of trusty gardening gloves:

Gloves protect your hands from blisters, thorns and cuts while doing rough work like digging or pruning in the garden. Investing in one or more pairs of quality gloves is a good decision. 

Here are some tips on how to choose the pair that will suit you best:   

1. Look for quality leather gloves with a cloth back; this will let the gloves breathe and keep your hands dry, cool and comfortable. 

2. If mud bothers you, select rubber gloves with cotton lining. 

3. When spraying pesticides or chemicals choose gloves that are made from neoprene. Gloves made from latex or any type of plastic may not offer the best protection.

4. When pruning roses, use gloves that reach up to the arms. 

5. If you usually operate large garden machinery, buy gloves in brown instead of red as the latter may dye your hands. 

6. Light cotton or even fingerless gloves may be useful for transplanting seedlings. They will allow more dexterity and so help to prevent the tiny roots from being crushed.

7. And of course, make sure that the gloves you buy actually fit your hands. If you have small hands, try the children's gardening section. there's nothing worse than trying to garden is gloves that are too big.

Your gloves must be comfortable as well as give protection to best serve your gardening needs.

Hydroponics Gardening

Hydroponics was derived from the Greek word hydro, which means "water" and ponos, which means "labor or water-working". Hydroponics gardening involves growing plants with their roots in other nutrient solutions and without soil. 

Hydroponics gardening is as simple as ordinary gardening. Both of them necessitate sufficient light, water, temperature, light, and humidity. But with hydroponics, no soil is used. Instead a soil substitute holds the roots while nutrients are carried by the water. Indoor hydroponic gardening is not that hard and plants respond well to this method of growing.

This is one of the major considerations in hydroponics gardening since it sustains the plants. One has to make sure that this nutrient solution maintains a pH level of 5 to 6 after dilution. In hydroponics gardening, the plants should be watered more than three times a day. this is usually done using a pump and timer. 

If your hydroponics garden is located indoors, the most suitable temperature is between 71 to 76 degrees Fahrenheit. Of course, this temperature may change depending on the different types of plant you are working on, e.g. tropical plants. 

Place your plants somewhere they can receive ample amount of light. Otherwise artificial light must be used. High pressure Sodium lights or bulbs are a suitable substitute for natural light. 

Humidity is good. When the room’s temperature rises, the air will be able to hold the sufficient amount of moisture your plants will need. 

A hydroponics system can be fully automated. Since it is water-based, the gardener has no soil to dig or weeds to pull. Also, the water can be re-used to prevent wastage. 

With hydroponics, an excellent yield of quality plants can be easily achieved. Home hydroponics systems and DIY kits are are readily available in most hardware stores.

Job Search - Get Referrals from Warm Contacts

You may find it hard to use networking to find a job if you can't rely on your warm contacts to give you the information you need.  At times, you would have to ask your warm contacts to refer you to at least two people that they know who will be able to give you the information you needed.

However, there are times that your warm contact, particularly those who don't know you well, may not readily provide you with the information.  Some of your warm contacts may feel reluctant about vouching for you to their other contacts.

Because of this, you may find it difficult to use your network.  To make networking and getting referrals an easy task for you, here are a few tips.

* Nurture your warm contacts.

Before you even need your warm contacts or before you even ask for help, keep in touch with your warm contacts.  You may send notes or greetings from time to time, call to "catch up" on them, invite them to lunch, be interested or help in their business or do anything just to cultivate your connection with them.

In this way, by the time you need help, they can remember you and can more readily give information about their other contacts that will be able to help you.

* Be polite.

Since you might not have close personal relationships with some of your valuable warm contacts, it is inappropriate to just give them a call and ask them for information about your field of interest.

Sometimes, sending a note in advance, or asking to meet them for lunch is a better way to ask for their help.

* Listen to them.

Most of the time, even if your warm contact knows little in the field where you are trying to find a job, they might offer you advice.  Be polite and interested in what they are saying.  Who knows, the information that they are giving may be valuable to you in the future.

There are times that your warm contacts may be telling you tips on what manner will work best when you talk to the persons to whom you are being referred.  Your warm contacts may also imply what qualities and qualifications the person is looking for.

* Ask for at least two referrals.

Before you ask for referrals, make sure that your warm contact had said everything that he or she can say about your field of interest.

Even if they know little about that field, it is impolite if you cut them short while they are speaking to ask if they know somebody who will be able to help you.

If they weren't able to refer you to at least one of their contacts, thoughtfully ask them why they couldn't do so.  They may give you answers that may include indirect comments or suggestions.  They may also indicate a lack of confidence in your work strategy.  If this is so, you may have to make follow ups with them to prove that you are indeed credible and match their requirements.

However, there are also times when they can't refer you to their contacts because they just don't know anybody who might have the information or might be interested in the product.  

In this case, ask them to keep their eyes open for opportunities that you might be interested in.  You can also leave with them copies of your resume. 

* Just ask for two referrals.

Two referrals are enough from each warm contact.  This is to have another option in case the first one didn't work out.  Asking for more than two referrals could be impolite as it can take much time from your warm contact.  Also, that will make your warm contact feel that you are relying mostly on him or her for your job search.  So, unless they volunteer the information, don't ask for more than 2 referrals.

* Contact referrals as soon as possible.

When your warm contacts give you referrals, there are times that they also call these people personally to give more information about you.  On the other hand, when you contact the people to whom you were referred, your referrals may call your warm contacts to verify the information or to ask more information about you.

Either way, you have to contact your referrals soon enough that these people can still remember their conversation with your warm contact, or your warm contact can still remember that you have talked.

At times, after your referrals were called by your warm contacts, they anticipate your call and even prepare questionnaires and exams for you to take.  Do not waste this opportunity by delaying follow-up on referrals.

Resume : Effective Way To State Your Responsibilities

If you have never written a resume, the blank page you are facing can be very intimidating. While you can describe your job responsibilities to your friends, listing them out in a resume and showcasing how your experience to date meets your career objectives is a very difficult task.

To get started, you must first consider what type of a job you are seeking. Much like your career objective or summery should reflect your professional goals, your current and past experiences must showcase that you are the best candidate for the job you are applying for. In listing your current and past professional experiences, try to focus on those responsibilities that indicate you are qualified to take the next step in your career. Due to the fact that more and more companies as well as job search sites use scanning software to pick out candidates, it is very important that you use key words, including active verbs, to describe your skills. Instead of beginning your job descriptions with “Responsible for” try to use active verbs such as:

• managed
• developed
• created
• communicated
• interfaced
• achieved, etc. 

These key words get straight to the point of describing your responsibilities, which is exactly what the employers are looking for. Chose these words carefully – don’t say that you “managed a project”, implying you were responsible for the whole task from start to finish if you were only responsibly for communicating the project to other associates. Instead state that you “Developed and executed the communication strategy for associates,” describing your role more accurately and emphasizing your strengths.

Typically, the first job listed on your resume is the one you currently hold. In this case, make sure that your responsibilities are stated in present tense, as you are still responsible for them. For example, say “Manage accounting activities” instead of “Managed accounting activities.” This will indicate to your potential employer what your day-to-day activities are like and how they compliment responsibilities of the job you are submitting your resume for. All previous jobs should be listed using past tense, and should start with active verbs such as managed, developed, accomplished, etc.

Additionally, make sure that responsibilities you are listing are relevant for to your career objective. List only those responsibilities which help you put your best foot forward. For example, if you are looking for a job that requires managing a team of people, focus on your development and participation in group projects instead of focusing on solitary activities such as office organization.

In terms of formatting, make sure that your responsibilities are listed in bullet points. This formatting is preferred to paragraphs on a resume because it is easier to review quickly. Employers simply scan the resumes and look for key words – if the resume looks overwhelming, with a lot of copy and poor formatting, they will likely discard it. Thus, it is very important that your resume is formatted with enough white space and doesn’t contain any errors.

Care of the Flower Garden

Knowing how to care for your flower garden can make a big difference in the look and over-all health of your plants. Here are some simple hints to make your garden bloom with health

1. The essentials must always be given major consideration.

Your flower garden must have an adequate supply of water, sunlight, and fertile soil. Any lack of these basic necessities will greatly affect the health of plants. Water the flower garden more frequently during dry spells. 

When planting bulbs, make sure they go at the correct depth. When planting out shrubs and perennials, make sure that you don't heap soil or mulch up around the stem. If you do, water will drain off instead of sinking in, and the stem could develop rot through overheating.

2. Mix and match perennials with annuals. 

Perennial flower bulbs need not to be replanted since they grow and bloom for several years while annuals grow and bloom for only one season. Mixing a few perennials with annuals ensures that you will always have blooms coming on.

3. Deadhead to encourage more blossoms.

Deadheading is simply snipping off the flower head after it wilts. This will make the plant produce more flowers. Just make sure that you don't discard the deadhead on the garden or mildew and other plant disease will attack your plants.

4. Know the good from the bad bugs. 

Most garden insects do more good than harm. Butterflies, beetles and bees are known pollinators. They fertilize plants through unintentional transfer of pollen from one plant to another. 80% of flowering plants rely on insects for survival. 

Sowbugs and dung beetles together with fungi, bacteria and other microorganisms are necessary to help in the decomposition of dead plant material, thus enriching the soil and making more nutrients available to growing plants.

Other insects like lacewings and dragonflies are natural predators of those insects that do the real damage, like aphis.

An occasional application of liquid fertilizer when plants are flowering will keep them blooming for longer.

Always prune any dead or damaged branches. Fuchsias are particularly prone to snapping when you brush against them. The broken branch can be potted up to give you a new plant, so it won't be wasted

The Interview - Seize the Opportunity and the Job

So, you’ve submitted a killer Curriculum Vitae and supporting documents. You’re ahead of the pack and have just received a call for an interview. What do you do next?

The interview is the most stressful and important part of job hunting. This is where the employers make a decision based on his or her impression of whether to hire you for their job. You will want to do your best in this part because here lays the culmination of all your job hunting efforts. Flub it here and all your efforts from application to examinations will go down the drain.

1. Make a Great Impression
Always dress in your best attire for the interview. Your attire should be appropriate.  No matter what the company may require for their employees, the first impression for applicants should be conservative business attire.

2. Do a Little Research
One of the best ways to make a good impression on your interviewer is to do a little research on the company you are applying for. This will equip you with material to answer many of the questions the interviewer will ask. One of the main points of the questions you will be asked is how your skills can benefit the company. If you know a thing or two about the company, you will find it a lot easier to answer this question. Plus, dropping a few meaty tidbits about how much you know about the company will go a long way in impressing the interviewer.

3. Watch Your Body Language
Many of the interviewers are well versed in body language, and you will find that, throughout the interview, they will be looking for hints about your personality from the way you act, talk, and move. It would be abnormal to assume a different set of body language during the interview. What you should do is to take note of your body language so that at least it communicates openness and honesty.

Avoid telling lies or embellishing your answers. Experienced interviewers will notice this in an instant. Always keep your palms open and avoid crossing your legs or your arms together. Do not be afraid to make eye contact while speaking; just make sure that you do not come across as intimidating.

4. Confidence
Walk in with a purpose. Answer with a purpose. Try not to be too self-conscious. Make sure you are confident in what you say. If you hit a snag and find yourself in a compromising situation, make sure you handle the situation confidently – even when saying that you do not know an answer to a question.
Confidence reflects competence. Employers always look for competent people to fill their ranks.

Accounting : Profit and Loss

It might seem like a no-brainer to define just exactly what profit and loss are. But of course these have definitions like everything else.  Profit can be called different things, for a start. It's sometimes called net income or net earnings.  Businesses that sell products and services generate profit from the sales of those products or services and from controlling the attendant costs of running the business. Profit can also be referred to as Return on Investment, or ROI. While some definitions limit ROI to profit on investments in such securities as stocks or bonds, many companies use this term to refer to short-term and long-term business results. Profit is also sometimes called taxable income.

It's the job of the accounting and finance professionals to assess the profits and losses of a company. They have to know what created both and what the results of both sides of the business equation are. They determine what the net worth of a company is. Net worth is the resulting dollar amount from deducting a company's liabilities from its assets. In a privately held company, this is also called owner's equity, since anything that's left over after all the bills are paid, to put it simply, belongs to the owners. In a publicly held company, this profit is returned to the shareholders in the form of dividends. In other words, all liabilities have the first claim on any money the company makes. Anything that's left over is profit. It's not derived from one element or another. Net worth is determined after all the liabilities are deducted from all the assets, including cash and property. 

Showing a profit, or a positive figure on the balance sheet, is of course the aim of every business. It's what our economy and society are built on. It doesn't always work out that way. Economic trends and consumer behaviors change and it's not always possible to predict these and what income they'll have on a company's performance. 

Accounting : Careers

There are many different careers in the field of accounting ranging from entry-level bookkeeping to the Chief Financial Officer of a company. To achieve positions with more responsibility and higher salaries, it's necessary to have a degree in accounting as well as achieve various professional designations.

One of the primary milestones in any accountant's career is to become a Certified Public Accountant or CPA. To become a CPA you have to go to college with a major in accounting. You also have to pass a national CPA exam. There's also some employment experience required in a CPA firm. This is generally one to two years, although this varies from state to state. Once you satisfy all those requirements, you get a certificate that designates you as a CPA and you're allowed to offer your services to the public.

Many CPAs consider this just one stepping stone to their careers. The chief accountant in many offices is called the controller. The controller is in charge of managing the entire accounting system in a business stays on top of accounting and tax laws to keep the company legal and is responsible for preparing the financial statements.

The controller is also in charge of financial planning and budgeting.  Some companies have only one accounting professional who's essentially the chief cook and bottle washer and does everything. As a business grows in size and complexity, then additional layers of personnel are required to handle the volume of work that comes from growth. Other areas in the company are also impacted by growth, and it's part of the controller's job to determine just how many more salaries the company can pay for additional people without negatively impacting growth and profits. 

The controller also is responsible for preparing tax returns for the business; a much more involved and complex task than completing personal income tax forms! In larger organizations, the controller can report to a vice president of finance who reports to the chief financial officer, who is responsible for the broad objectives for growth and profit and implementing the appropriate strategies to achieve the objectives.

FOREX - Who Is Participating In Market Trades?

The forex market is all about trading between countries, the currencies of those countries and the timing of investing in certain currencies. The FX market is trading between counties, usually completed with a broker or a financial company. Many people are involved in forex trading, which is similar to stock market trading, but FX trading is completed on a much larger overall scale. Much of the trading does take place between banks, governments, brokers and a small amount of trades will take place in retail settings where the average person involved in trading is known as a spectator. Financial market and financial conditions are making the forex market trading go up and down daily. Millions are traded on a daily basis between many of the largest countries and this is going to include some amount of trading in smaller countries as well. 

From the studies over the years, most trades in the forex market are done between banks and this is called interbank. Banks make up about 50 percent of the trading in the forex market. So, if banks are widely using this method to make money for stockholders and for their own bettering of business, you know the money must be there for the smaller investor, the fund mangers to use to increase the amount of interest paid to accounts. Banks trade money daily to increase the amount of money they hold. Overnight a bank will invest millions in forex markets, and then the next day make that money available to the public in their savings, checking accounts and etc. 

Commercial companies are also trading more often in the forex markets. The commercial companies such as Deutsche bank, UBS, Citigroup, and others such as HSBC, Braclays, Merrill Lynch, JP Morgan Chase, and still others such as Goldman Sachs, ABN Amro, Morgan Stanley, and so on are actively trading in the forex markets to increase wealth of stock holders. Many smaller companies may not be involved in the forex markets as extensively as some large companies are but the options are stil there. 

Central banks are the banks that hold international roles in the foreign markets. The supply of money, the availability of money, and the interest rates are controlled by central banks. Central banks play a large role in the forex trading, and are located in Tokyo, New York and in London. These are not the only central locations for forex trading but these are among the very largest involved in this market strategy. Sometimes banks, commercial investors and the central banks will have large losses, and this in turn is passed on to investors. Other times, the investors and banks will have huge gains.

Tips : Executive Job Search

It is normal for every person to strive for career advancement and growth. It makes them feel that all of their hard work has paid off and that a promotion is, indeed, the best reward they can get.

However, for some whose luck seems to be so illusive, they have to find their own growth somewhere else. That is why most of them opted for executive job searches, where they hope that someday they would be lucky enough to find the executive job that they have long been dreaming for.

But is it really just luck? Or are there some factors that need to be considered when searching for that executive job of their dreams?

Landing a good executive job is not dependent on luck.  For people who wish to learn some tips regarding executive job searches, here are some pointers on how to get that dream job:

1. Killer looks

The saying, “Looks could kill” is not an understatement. Though the word kill is only used literally and the word look is sometimes associated with stares. But what is being pointed out here is that looks can definitely kill a person’s chances on landing his or her executive job if the applicant had missed one great factor: appearance.

As the saying goes, first impressions last, so it would be better to make that first impression by looking just right for the job.  After all, if a person wants to have an executive job, then, he should dress appropriately for the position. In this way, the executive job he had been searching for might just become a reality.

2. Show some mastery 

For an executive position, most employers would want to hire those who are already an expert in their own field. This means that the applicants should be adept in the areas concerning their chosen careers. This will show that the applicant has already started a coherent career track and is already knowledgeable in the field.

It will do no good to an applicant who claims to be a “jack of all trades but a master of none.” Six out of 10 applicants are hired because of their expertise on a certain field. This only means that employers are more concerned with people who have already mastered their career and have established continuous career growth.

Finding an available executive job could be one thing but actually getting that dream executive job is another thing.  Looking and acting the part is a must to landing that dream job!

Accounting : Book keeping

So what goes on the accounting and bookkeeping departments? What do these people do on a daily basis? 

Well, one thing they do that's terribly important to everyone working there is Payroll. All the salaries and taxes earned and paid by every employee every pay period have to be recorded. The payroll department has to ensure that the appropriate federal, state and local taxes are being deducted. The pay stub attached to your paycheck records these taxes. They usually include income tax, social security taxes pous employment taxes that have to be paid to federal and state government. Other deductions include personal ones, such as for retirement, vacation, sick pay or medical benefits.  It's a critical function. Some companies have their own payroll departments; others outsource it to specialists.

The accounting department receives and records any payments or cash received from customers or clients of the business or service. The accounting department has to make sure that the money is sourced accurately and deposited in the appropriate accounts. They also manage where the money goes; how much of it is kept on-hand for areas such as payroll, or how much of it goes out to pay what the company owes its banks, vendors and other obligations. Some should also be invested. 

The other side of the receivables business is the payables area, or cash disbursements. A company writes a lot of checks during the course of year to pay for purchases, supplies, salaries, taxes, loans and services. The accounting department prepares all these checks and records to whom they were disbursed, how much and for what. Accounting departments also keep track of purchase orders placed for inventory, such as products that will be sold to customers or clients. They also keep track of assets such as a business's property and equipment. This can include the office building, furniture, computers, even the smallest items such as pencils and pens.

Awareness in Installing Some Types of Software

Generally considered as some kind of potentially unwanted programs (PUP) by the Internet Security Company (McAFee,) adware and spyware could pause as a menace to original computer owners, web developers, and IT of certain corporations.  Advertisements (adware) already included and mainstay of the program could present a threat or traffic nuisance for reason of its vulnerability to information disseminations, causing notorious cases of "identity theft," that'd been threatening risk on the loss of personal properties, finances, bank's credibility, financiers, and other financial institutions over the globe.  

In the United States alone there is a rampant of identity theft to personal properties thru the process of transfer of ownership to a wrong person because of stolen Credit Card numbers, passwords, and other personal identifications robbed thru the internet in forms of spywares that camouflaged use-legalities that are merely ignored by users and computer owners. 

Adware and Spyware software present a totally different usage in program inclusions, and for the user.  While adware is a legal part of the computer's administrative settings, spyware is ironically a deceptive method, that'll not directly pause as illegal for it may be included in some software that fronts acceptance.  By the time it reaches the user's end it reacts like semblance of some kinds of virus or worms; at times just ignored not to be serious and obvious, but with motives, to invade the accessibility and manipulations of some confidential information from the computer, to be transmitted to other end users who may just wait for any advantage taken from this kind of traffic interference.  

When the adware database link discovers the effects of detailed interference on some confidential records, those that need financial consideration of return-payments in nature, and wherein, exclusive website agenda had already been diverted to the other end without having to pay from the mother source, it'd be too late to reconstruct to normal settings.  It is expensive to replenish and change to untarnished software.  At times immune anti-virus is also out there, but anywhere it goes about entails some extra expense on part of the developer. 

Spyware is software that support adware usage by PC espionage on different activities in a computer such as e-mail or chat logging, but could easily cause to detour web traffic that's detrimental to e-commerce if abused or used without consent; therefore, by no means the deceiving technology in adverse adware usability. 

A number of adware companies seem to feel bias about PC surveillance (spyware) for reason that, although, they had already disclosed specific data collections and transmissions on account of privacy security from their database link, it can't totally control the chances of any outgoing data, where, and to whom it might be sent.  Spyware technology has the capability to send not just the banner data from the mother PC, but could channel it to other interested parties that could even install-in to a new program.   

The spyware technology is by far infused into the database without the owner's awareness or consent, however, they come in as "drive-by downloads" or the user goes to click in options in "pop-up" windows, and immediately detoured to some other programs, either pornographic, or anything else without essence. 

The adverse effect of adware is the fact that when it is installed in the computer and the user consents to include tracking features, it automatically becomes a "spyware" when used by another user who interacts with the "adware" outside any database link.

Review : Rafay Hacking Articles Blog - Ethical Hacking

When talk about hacking or hacker at the first place , my first impression will be NO . No because I'm not into it and No because Im not good at it , not at all . 

Until one day when I'm doing a research for an article, I accidently came upon a blog that tells about the ethical hacker and there is one phrase that really got me interested to know more about this topic : 

An ethical hacker is an individual who is usually employed with an organization and who can be trusted to undertake an attempt to penetrate networks/computers using the same methods as an hacker. It is a contract between an organization and individual to understand the loop holes/weakness/vulnerabilities in their network so the same could not be breached by Hackers. It is legal when it a contact between an organization and an individual. 

So, I started searching the internet and came across a website named Rafay Hacking Articles. There, I really began to know what exactly is meant by ethical hackers and explanations given by the Rafay Baloch very detailed and easy to understand.  You can visit his blog to find more about the ethical hacker and you'll be amazed by what you find in there, trust me :). 

At this point, he was generous to provide a free link back to anyone who can make a review on his site. With daily traffic has reached to almost 10000 unique visitors per day plus RHA has became a PR 4 blog, this is an opportunity that should not be missed by you. Simple, write reviews like this and get a backlink from this popular site. Hope you find this site useful to you as it is useful to me. :)

4 Must-Know Tips - Entry-Level Jobs 101

For most people, aiming for a higher position at once is the key to job search success. However, for some people who know that in order to succeed in the job market, they have to, literally, start from scratch. This means that people who want to grow positively in the working world; they have to learn the basics and fundamental principles of working, how it is to love the work most people do, and how to establish a good working relationship with his or her colleagues.

In order to enjoy all of these, one must submit himself or herself to an entry-level type of job. This refers to a job that requires minimal skills and expertise with no experience requirement needed. 

Because of its nature, entry-level jobs are characterized by low salary, require physical work, and sometimes need field work.

Most often than not, people who are into entry-level jobs have very low hourly rates and may or may not entail insurance. This would mean that any hospital expenses caused by accidents that happened while the worker is at work may or may not be compensated by the employer, meaning there is no guarantee or whatsoever.

What’s more, most entry-level jobs are on a part-time basis. Examples of entry-level jobs are receptionist, apprenticeship, those who are working in a fast food restaurant, customer service, cashiers, etc.

Contrary to popular belief, entry-level jobs should not be ignored.  What people do not realize is that entry-level jobs offer more than just low wages. These jobs are the foundation of all other positions available in the job market.

In most cases, people who start to work on higher positions right after they graduate from college are easily bored from their work. What is even worse, there is no room available for personal growth and career advancement.

Entry-level jobs are the stepping-stone to success in careers. So, for people who wish to grow and be promoted to a higher position, here are some tips that they can use:

1. Workers who are in the entry-level position should show enthusiasm, efficiency, caring, and love for his work.

2. They should master their skills and hone their craft.

3. They should be an expert on customer service.

4. They should know how to impress a customer who happens to be seeking an employee who knows optimum customer service.

These are just a few of the qualities that must be employed by an entry-level worker in order to advance to a higher position. And once he reaches the top, he knows that work is definitely something worth valuing for.

Articles Writing : Not A Writer ? Not A Problem

From the moment you begin researching ways to make money online, you hear WRITING, WRITING, and MORE WRITING, over and over again. There’s a reason for that and we’re going to discuss how the written word can make you money, but YOU don’t have to be the one doing all that writing. Save your paper and your wrists! 

One of the hottest ways to make money online is through the power of blogging. But, what does blogging require? What do you think? What ONE thing must you do above all else in order to blog?

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Salmon a la Genovese

Illustration Purpose Only

Ingredients:- 

• 2 slices of salmon, 
• 2 chopped shalots, 
• a little parsley, 
• a small bunch of herbs, 
• 2 bay-leaves, 
• 2 carrots, 
• pounded mace, 
• pepper and salt to taste, 
• 4 tablespoonfuls of Madeira, 
• 1/2 pint of white stock, 
• thickening of butter and flour, 
• 1 teaspoonful of essence of anchovies, 
• the juice of 1 lemon, 
• cayenne and salt to taste. 

Mode:-

• Rub the bottom of a stewpan over with butter, 
• and put in the shalots, herbs, bay-leaves, carrots, mace, and seasoning; 
• stir them for 10 minutes over a clear fire, 
• and add the Madeira or sherry; simmer gently for 1/2 hour, 
• and strain through a sieve over the fish, which stew in this gravy. 
• As soon as the fish is sufficiently cooked, take away all the liquor, except a little to keep the salmon moist, and put it into another stewpan; 
• add the stock, 
• thicken with butter and flour, 
• and put in the anchovies, lemon-juice, cayenne, and salt; 
• lay the salmon on a hot dish, pour over it part of the sauce, 
• and serve the remainder in a tureen. 

Time. 1-1/4 hour.

Salmon Cutlets

Mode :-

• Cut the slices 1 inch thick, and season them with pepper and salt; 
• butter a sheet of white paper, 
• lay each slice on a separate piece, with their ends twisted; 
• broil gently over a clear fire, and serve with anchovy or caper sauce. 
• When higher seasoning is required, add a few chopped herbs and a little spice. 

Time. 5 to 10 minutes.

Accounting Principles

If everyone involved in the process of accounting followed their own system, or no system at all, there's be no way to truly tell whether a company was profitable or not. Most companies follow what are called generally accepted accounting principles, or GAAP, and there are huge tomes in libraries and bookstores devoted to just this one topic. Unless a company states otherwise, anyone reading a financial statement can make the assumption that company has used GAAP.

If GAAP are not the principles used for preparing financial statements, then a business needs to make clear which other form of accounting they're used and are bound to avoid using titles in its financial statements that could mislead the person examining it.  

GAAP are the gold standard for preparing financial statement. Not disclosing that it has used principles other than GAAP makes a company legally liable for any misleading or misunderstood data. These principles have been fine-tuned over decades and have effectively governed accounting methods and the financial reporting systems of businesses. Different principles have been established for different types of business entities, such for-profit and not-for-profit companies, governments and other enterprises. 

GAAP are not cut and dried, however. They're guidelines and as such are often open to interpretation. Estimates have to be made at times, and they require good faith efforts towards accuracy. You've surely heard the phrase "creative accounting" and this is when a company pushes the envelope a little (or a lot) to make their business look more profitable than it might actually be. This is also called massaging the numbers. This can get out of control and quickly turn into accounting fraud, which is also called cooking the books. The results of these practices can be devastating and ruin hundreds and thousands of lives, as in the cases of Enron, Rite Aid and others.

Best Jobs

Employers have said that they are more likely to be 12 percent more graduates this year than last year. It is the first projected increase since the year 2000. 

In another study, a projected 60 percent of US business plan to employ the same number of graduates this year as with last year. That is an increase of fifty-five percent from last year, according to the CERI (Collegiate Employment Research Institute) at MSU.

According to recent studies, US Corporations and businesses will employ more graduates with a bachelor’s degree in business, biological and physical sciences. Those with construction management, engineering degrees, health care and accounting will also experience an increase in hiring. Other fields will have a slight decline. 

On the average, companies are hiring forty three percent of its interns to fulltime and regular status. The expected increase in the hiring of graduates coincides with an expected growth forecast of the economy next year according to a recent survey by the Federal Reserve Bank. 

A lot of companies are coming out of a slump and are now hiring their interns and looking for more. A lot of companies are posting jobs and coming into different campuses. 

Most experts advise that during the holidays, whether you’re looking for permanent employment or internship, it is time to step up your search. 

Take advantage of the holiday events you’re going to, discuss what you’re looking for and your goals. Businesses don’t want to be flooded with calls and faxes of resumes. They will probably rely on word-of-mouth to get a handful of candidates The holidays are a perfect time to network.

What to expect:

Companies will hire more students earning bachelor’s degree in business and management, physical and biological sciences. Engineering, health care and accounting degrees also would experience an increase. Other degrees will experience a decrease in hiring

Businesses expect to employ about the same volume of MBAs this year as last year. Businesses have found employees with bachelor's degrees being able to do some work being done by MBAs.

It will be harder for graduates with computer science degrees to find work.

Companies are more likely to employ students who have undergone internships. The work experience, they say, makes a lot of difference. Federal agencies will employ more graduates but not nearly enough to offset the decrease in hiring by the state and local government agencies.

On average, starting salaries will increase by 1 to 2 percent.

The Need for Adware and Spyware Blocker

There is this one law school student whose thesis is about money laundering so oftentimes she would google the term to come up with a ready list of online references. This proved to be useful to her and the entire process of writing her paper. After several months of doing so, she was confronted with problems like being directed to a weird page totally not related to money laundering every time she types the same words. 

At first she thought it was just a glitch in the internet system and then she rationalized that no it maybe a glitch in the search engine she is using but the persistent occurrence of such a thing made her think that someone bugged her. We all hate bugging people us but people we can fend of. What this law student is confronted with is a computer bug that she cannot fend off. In the first place she is not a technology savvy person and in the second place she never uses her laptop for any other things than academic research and actual writing of her papers.

The situation above is not an isolated case. There are many people who find themselves caught up in technology problems that are mind boggling but actually can be answered with two words and those two words are spyware and adware. The infamous term of spyware was first coined in the year 1995 but it was popularized in the year 2000. Spyware is a computer software innocently infiltrated in a personal computer to be able to access personal information of the user. 

This is done by studying logging keystrokes, web browsing history and even scanning a user’s hard drive. Sounds like something we see only in James Bond movies but apparently we are wrong for anyone can be a victim of spyware. It is safe to use the word victim because no one wants to be monitored of all their online activities. Spyware can understandably be used to spy on criminals because such use is beneficial to society but how about the use of spyware to intercept credit card details and the like. There is simply no excuse for the lax of the use of spyware.

What ordinary people can do to protect themselves is to block spyware and all other software programs similar to it like adware and malware. This can easily be done by availing adware and spyware blocker programs online. The role of these blocking programs include to remove or disable existing spyware programs or to avoid the installation of these malicious software programs. 

Spyware, adware, malware are not like virus or worms that self replicate but they can be just as hassle as their counterparts for whoever wants to be disrupted of their normal personal computer activities. One of the more popular hassles cause by these infectious software programs is the slowness of the computer which can really be annoying because when you are at work you tend to want to finish things quick not just because you are required but also because you want more done or you want to be able to go home early. 

In some infections, spyware is not even evident as the bad guy so it can get away with its crime. It is best then to have a ready blocker to at least do something for preventing any infection to occur in the first place. 

Curried Salmon

Curried Salmon (Illustration Only)

Ingredients:- 

• Any remains of boiled salmon, 
• 3/4 pint of strong or medium stock, 
• 1 onion, 
• 1 tablespoonful of curry-powder, 
• 1 teaspoonful of Harvey's sauce, 
• 1 teaspoonful of anchovy sauce, 
• 1 oz. of butter, 
• the juice of 1/2 lemon, 
• cayenne and salt to taste. 

Mode:- 

• Cut up the onions into small pieces, and fry them of a pale brown in the butter; 
• add all the ingredients but the salmon, and simmer gently till the onion is tender, 
• occasionally stirring the contents; 
• cut the salmon into small square pieces, 
• carefully take away all skin and bone, lay it in the stewpan, and let it gradually heat through; 
• but do not allow it to boil long. 

Time. 3/4 hour.    

eWriter Pro Version 2.0

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Not only can you create your own content but you will have everything organized by grouping your content in niche categories.

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A brief introduction to E-Writer Pro:

Now you can easily create, edit and distribute your own ebooks and articles. Here is what E-Writer Pro will let you do easily and effectively...

	Have everything you need in one software application.
	Generate PDF™s with security options.
	Save security features used to generate PDF™s.
	Create your own beautiful looking books or articles.
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	Open Word, RTF, Text and HTML for editing.
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	Complete Powerful word processor.
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Basic Accounting Principles

Accounting has been defined as, by Professor of Accounting at the University of Michigan William A Paton as having one basic function: "facilitating the administration of economic activity. This function has two closely related phases: 

1) measuring and arraying economic data; 

2) communicating the results of this process to interested parties."

As an example, a company's accountants periodically measure the profit and loss for a month, a quarter or a fiscal year and publish these results in a statement of profit and loss that's called an income statement.  These statements include elements such as accounts receivable (what's owed to the company) and accounts payable (what the company owes). It can also get pretty complicated with subjects like retained earnings and accelerated depreciation. This at the higher levels of accounting and in the organization.

Much of accounting though, is also concerned with basic bookkeeping. This is the process that records every transaction; every bill paid, every dime owed, every dollar and cent spent and accumulated. 

But the owners of the company, which can be individual owners or millions of shareholders are most concerned with the summaries of these transactions, contained in the financial statement. The financial statement summarizes a company's assets. A value of an asset is what it cost when it was first acquired. The financial statement also records what the sources of the assets were. Some assets are in the form of loans that have to be paid back. Profits are also an asset of the business.

In what's called double-entry bookkeeping, the liabilities are also summarized. Obviously, a company wants to show a higher amount of assets to offset the liabilities and show a profit. The management of these two elements is the essence of accounting. 

There is a system for doing this; not every company or individual can devise their own systems for accounting; the result would be chaos!

Self Improvement

If you are searching for self-improvement products, chances are you’ll be able to find myriads of them on the internet, in library, in bookstores, even in your local grocery stores. What then, differentiates one from the other?

I happened to discover Mind Secrets Exposed after a close friend of mine recommended it to me. Being a self-help product junkie, I wasn’t surprised that she had introduced another one of these eBooks to me. So having nothing else to do, I checked out this particular site, and here’s what I found out:

Click To Find More ...

The entire Mind Secrets Exposed course consists of an eBook and a software.

Doesn’t sound like much, right?

That’s what I thought at first. In fact, I was close to clicking that little X in the corner of my browser and closing the page. But as I read on, I found myself intrigued by what the creator of the course, one Greg Frost had to say about the subconscious mind.

(For those of you who have yet to hear of him, he is a professional self-improvement couch and bestselling author. He is so confident of his offering, that he is willing to give a 60 Day Money Back Guarantee of his course.)

Eventually I was suckered in and ended up buying the package.

So what did I think of it?

First, let me explain what the software and eBook is all about.

According to the website, the software, called Mind Motivator Extreme, will “broadcast subliminal messages directly to your subconscious mind by flashing the powerful messages on your computer screen.” Truth be told I found this to be a little disorienting at first, but once I got used to it I did feel the subtle effects the messages had on me.

For example, prior to using the software I’d always had a problem with motivating myself to get things done, always procrastinating and putting things off to the last minute. Yet after using the software for a couple of weeks I realized that I was getting things done on my own, without having to be reminded or prompted by anyone. What’s even more amazing to me is that I’d been doing them in record time!

As for the Mind Secrets Exposed manual itself, in my opinion it’s a great read for both newbies and veterans to the self-help niche. While Mind Secrets Exposed may not contain an incredibly groundbreaking revelation, the techniques explained within the book are simply some of the best techniques I have found in the self-improvement field. Greg’s style of style of writing is also very personal and clear, and easy to understand and follow. He covers a broad range of issues in Mind Secrets, like family and relationships and financial and spiritual aspects of one’s life.

Having been exposed to various mind-development products, what I am most impressed about Mind Secrets Exposed is its low price offering for such an impressive and valuable tool. This really reflects on the genuine care and sincerity that Greg has for his potential customers, which is what I respect about the man.

Overall, I will definitely recommend Mind Secrets Exposed to my friends and loved ones. Being able to unleash the full potential of my subconscious mind has helped me enormously to me to take better control of my life.