Developing a Plan: The Basis of Successful Investing

Warren E. Buffett offers the following advice on the qualities of a successful investor. Buffett essentially suggests that a successful investor does not need an extraordinarily high IQ, exceptional business acumen, or inside information. To enjoy a lifetime of successful investing, you need a solid decision-making framework and the ability to maintain your emotions.

A successful investment strategy requires a thoughtful plan. Developing a plan is not difficult, but staying with it during times of uncertainty and events that seem to counter you plan’s strategy is often difficult. This tutorial discusses the necessity of establishing a trading plan, what investment options best suit your needs, and the challenges you could encounter if you don’t have a plan.

The benefits of developing a trading plan

You can establish optimal circumstances for experiencing solid investment growth if you stick to your plan despite opposing popular opinion, current trends, or analysts’ forecasts. Develop your investment plan and focus on your long-term goals and objectives.

Maintain focus on your plan

All financial markets can be erratic. It has experienced significant fluctuations in business cycles, inflation, and interest rates, along with economical recessions throughout the past century. The 1990s experienced a surge of growth due to the bull market pushing the Dow Jones industrial average (DIJA) up 300 percent. This economic growth was accompanied by low interest rates and inflation. During this time, an extraordinary number of Internet-based technology firms were created due to the increased popularity of online commerce and other computer-reliant businesses. This growth was rapid and a downturn occurred just as fast. Between 2000 and 2002, the DIJA dropped 38 percent, triggering a massive sell-off of technology stocks which kept indexes in a depressed state well into the middle of 2001. Large-scale corporate accounting scandals contributed to the downturn. Then in the fall of 2001, the United States suffered a catastrophic terrorist attack that sent the nation into a high level of uncertainty and further weakened the strength of the market.

These are the kinds of events that can tax your emotions in terms of your investment strategies. It’s times like these that it is imperative that you have a plan and stick to it. This is when you establish a long-term focus on your objectives. Toward the end of 2002 through 2005, the DJIA rose 44 percent. Investors who let their emotions govern their trading strategies and sold off all their positions missed out on this upturn.

The three deadly sins and how to avoid them

The three emotions that accompany trading are fear, hope, and greed. When prices plunge, fear compels you to sell low without reviewing your position. Under these circumstances, you should revisit the original reasons for your investments and determine if they have changed. For example, you might focus on the short term and immediately sell when the price drops below its intrinsic value. In this case, you could miss out if the price recovers.

An investment strategy that is based on hope might compel you to buy certain stocks based on the hope that a company’s future performance will reflect on their past performance. This is what occurred during the surge of the Internet-based, dot-com companies during the late 1990s. This is where you need to devote your research into a company’s fundamentals and less on their past performance when determining the worth of their stock. Investing primarily on hope could have you ending up with an overvalued stock with more risk of a loss than a gain.

The greed emotion can distort your rationale for certain investments. It can compel you to hold onto a position for too long. If your plan is to hold out a little longer to gain a few percentage points, your position could backfire and result in a loss. Again, in the late 1990s, investors were enjoying double-digit gains on their Internet-company stocks. Instead of scaling back on their investments, many individuals held onto their positions with the hope that the prices would keep going up. Even when the prices were beginning to drop, investors held out hoping that their stocks would rally. Unfortunately, the rally never happened and investors experienced substantial losses.

An effective investment plan requires that you properly manage the three deadly sins of investing.

The key components of an investment plan

Determine your investment objectives

The first component in your investment plan is to determine your investment objectives. The three main categories involved in your objectives are income, growth, and safety.

If your plan is to establish a steady income stream, your objective focuses on the income category. Investors in this category tend to be low-risk and don’t require capital appreciation. They use their investments as an income source.

If your focus is on increasing your portfolio’s value over the long term, your objective is growth-based. In contrast to the income category, investors strive for capital appreciation. Investors in this category tend to be younger and have a longer investment time frame. If this is your preferred category, consider your age, investment expectations, and tolerance to risk.

The final category is safety. Investors who prefer to prevent loss of their principle investment. They want to maintain the current value of their portfolio and avoid risks that are common with stocks and other less secure investments.

Risk tolerance

While the main reason for growing your portfolio is to increase your wealth, you need to consider how much risk you are willing to take. If you struggle with the market’s volatility, your strategy should focus more on the safety or income categories. If you are more resilient to a fluctuating market and can accept some losses, you might favor the growth category. This category has the potential for higher gains. Nevertheless, you need to be honest with yourself and the level of risk you are willing to take as you set up your investment plan.

Asset Allocation

As discussed in the previous sections, part of your investment plan is to determine your risk tolerance and investment objectives. After you establish these components, you can begin to determine how you will allocate the assets in your portfolio and how they will match your goals and risk tolerance. For example, if you are interested in pursuing a growth-oriented category, you could allocate 60 percent in stocks, 15 percent in cash equivalents, and 25 percent in bonds.

Make sure your asset allocation reinforces your objectives and risk tolerance. If your focus is on safety, your objectives need to include safe, fixed-income assets such as money market securities, high-quality corporate securities (with high debt ratings), and government bonds.

If your strategy focuses on an income category, you should focus on fixed-income strategies. Your investments might include bonds with lower ratings that provide higher yields and dividend-paying stocks.

If your focus is on the growth category, your portfolio should focus on common stock, mutual funds, or exchange-traded funds (ETF). With this category, you need to vigilant in managing your portfolio by regularly reviewing your objectives and adjusting them according to your risk tolerance and objectives.

Effective asset allocation helps you establish a guideline for properly diversification of your portfolio. This enables you to work toward your objectives and manage a comfortable amount of risk.

Investment choices

Your trading strategy includes deciding what types of investments to buy and how you will allocate your assets.

Growth

If your strategy is based on growth, you might consider mutual funds or ETFs that have high market-performance potential.

Wealth protection/income generation

If you choose to pursue a wealth protection method, you might choose government bonds or professionally-managed bond funds.

Choosing your own stocks

If you prefer to select your own stocks, establish some rules for how you will enter and exit your positions. You objectives and investment strategies will determine these rules. Whatever approach you use, one trading rule you should establish is to use stop-loss orders as a form of protection against downward price movements. For example, if your investment drops 60 percent, it will need to increase 110 percent in order to break even. You choose the price that you will set the order, but a good rule to follow is to set a stop-loss order at 10 percent below the purchase price for long-term investments and a stop-loss order at 3-to-5 percent for short term trades.

Your strategy might also include investing in professionally-managed products such as mutual funds. These give you access to professional money managers. If you hope to use mutual funds to increase the value of your portfolio, choose growth funds that focus on capital appreciation. If your intent is to pursue an income-oriented approach, choose income-generating avenues such as dividend-paying stocks or bond funds. Make sure your allocation and risk structure align with your diversification and risk tolerance.

Index funds and ETFs

Index funds and ETFs are passively-managed products that have low fees and tax efficiencies (lower than actively-managed funds). These investments could be a good way to manage your asset allocation plan because they are low-cost and well diversified. Essentially, they are baskets of stocks that represent an index, a sector, or a country.

Summary

The most important component in reaching your investment goals is your plan. It helps you establish investment guidelines and a level of protection against loss. It’s important that you develop a plan based on an honest assessment of your investment style, level of risk tolerance, and objectives. You also must avoid letting your emotions influence your investment decisions even during the more discouraging times.
If you are still uncertain about your ability to effectively develop and follow a plan, consider employing the services of an investment advisor. This person’s expertise can help you adhere to a solid plan to meet your investment objectives.

3 Nutrition Facts All Coaches Need to Know

Coaches are often the first people to provide any nutritional guidance to athletes. Unfortunately, many coaches are ill-prepared to provide such guidance and, under most state laws, are not authorized to provide nutritional direction. However, when it comes to sports nutrition, many coaches and players simply focus on weight and muscle gain. This “plan” lacks research-based information.

Below are 3 key nutritional facts that all athletes and coaches should be aware of.

· Hydration. Coaches and athletes should all understand the proper hydration entails a lot more than water breaks during practice. Maintaining proper hydration can be complicated based on the intensity of the sport, the environment and each individual. A distinct problematic scenario revolves around the classroom setting. While athletes progress throughout their day, a stop at the water fountain between classes can go a long way towards aiding hydration levels. Poor hydration leads to fatigue, weight loss, and, contrary to popular belief, is the primary culprit behind muscle cramps. Athletes should maintain proper hydration levels throughout the day. During practice in warmer areas (in a gym, outside during spring and summer, etc.) they should drink water incrementally.

· Carbohydrates. Glycogen is the primary fuel source for the body. Carbohydrates are easily turned into glycogen and without enough, you’ll see slow, sluggish performance. Eating an ample amount of carbohydrates throughout the day will replace muscle energy lost in workouts and keep the body from robbing the muscles of protein for energy. A goal for athletes should be to intake about 50 grams of carbohydrates 30 to 45 minutes post-workout. This could include a bagel with peanut butter, a banana and a cup of chocolate milk or a cup of Greek yogurt with a handful of granola. Remember chocolate milk – it’s one of the absolute best post workout drinks you can find.

· Protein. The amount and timing of protein are equally important when an athlete wants to increase muscle mass and strength. Protein builds muscle and repairs muscles damaged during exercise. When an athlete conducts a strenuous workout, tough practice and lengthy games, a large amount of stress is placed on muscles. If total protein consumption is too low, muscles will not be able to properly recover, new muscle will not form, and athletes may experience an increase in soreness, as well as delayed recovery time. Timing: After a workout, practice or game 20 to 30 grams of protein within 30 to 45 minutes post-workout should be consumed. Amount: An athlete intent on increasing muscle mass or strength should intake 1.2 to 1.4 grams of protein per pound of bodyweight in a day. This will ensure enough protein is synthesized to illicit repair and growth of the muscles. As a general rule, 20-30 grams of protein should be eaten at each meal. This will leave time for protein supplementation throughout the day. That level of protein can take the form of a piece of meat the size of a deck of cards, a protein shake or three eggs.

Here are four quick and easy post-practice recovery meals:

– 1 cup vanilla low-fat Greek yogurt with ½ cup granola

– Smoothie with 1 cup vanilla Greek yogurt, 1 cup water and 2 cups frozen blueberries

– Protein shake blended with 1 cup strawberries, 1 cup blueberries and 1 banana

– 3 eggs and 1 cup rolled oats

Multi-Functional PACS Workstations

Digitizing medical imaging has changed the way medical facilities and hospitals function. Gone are the days of having to purchase film and costly developing chemicals for film images. With the advent of the DICOM digital image format, medical imaging was made possible. Today many medical offices utilize the flexibility that comes from PACS workstations and web-based PACS.

Storage of digital medical images is of vital importance, especially in light of medical facilities and hospitals needing to stay within HIPPA compliance. A PACS server helps to make this aspect of medical facility administration easier. A server takes up infinitely less space than hard copy film images do, plus it requires no physical maintenance of records. Everyone authorized to have access to the PACS server can set up their workstations to automatically send digital studies directly to the server, or to an offsite server that can be used for disaster recovery as needed, or copy the digital images to a CD or DVD.

With a web-based PACS, your medical facility and imaging center can save money while offering physicians greater flexibility in its use and overall better patient care. Doctors can log onto your local-area network, wide-area network, or from offsite by utilizing a virtual private network. Your medical offices will reduce operating costs because you will not need software for each workstation, and because it is web-based, physicians can access the digital medical images they need day or night in order to provide patients with excellent care.

Since a PACS system can also serve as a digital viewer, you will want to invest in a quality, high-resolution medical-grade PACS monitor. Monitors are available for medical use in a variety of sizes and digital image resolutions suitable for a variety of medical modalities. Ultrasounds, MRI, CT, as well as CR and DR digital x-rays can be viewed with a PACS monitor.

Medical facilities of all types will also save on consultations and referrals when using PACS workstations. Instead of using costly printed digital x-rays, you can send digital images stored in the DICOM format quickly and easily over the World Wide Web. This instantaneous   transmission  of patient medical digital images helps to offer them improved patient care while saving your hospital or medical office money.

PACS distributors and manufacturers can answer many questions you might have concerning PACS workstations; many offer live chat features on their informative websites for even more convenience.

Cold Sores and Staff Infection

Cold sores are a result of infection with the herpes simplex 1 virus. This is a viral infection that once you have contracted stays in your system for life. The only treatments available are antiviral management, because there is no cure.

A person who suffers from atopic dermatitis should be extremely cautious around anyone with a cold sore. Atopic dermatitis, better known as eczema, is rashes and irritations on the skin caused by any number of environmental allergies. This condition causes very itchy dry patches of skin that can break open and are prone to secondary infection from scratching. Studies have shown that patients with eczema are more likely to carry stash on their skin than those who do not.

The herpes simplex virus can spread rapidly in a person with atomic dermatitis. This can cause an infection known as eczema herpetic. It can spread over the whole body or remain localized in areas of active eczema outbreak. This situation should be monitored very carefully by a medical professional.

Herpes virus is very contagious and the spreading capability increases in the person who has eczema. The virus can spread over the whole body very quickly leaving you open to secondary infections and especially staph. As noted above the eczema carrier is also more apt to have the staph already present on their skin, thus when scratching sores or rashes, the staph can penetrate and make a bad situation even worse.

If you have eczema and been exposed to the herpes simplex virus, it is important that you see your doctor immediately. They may want to start you on an antiviral medication sooner rather than later to ward off a potential outbreak.

Signs that you may be getting a herpiticum outbreak will include blisters, sores within the areas of eczema. These tiny blisters will soon pop and spread the virus at an alarming rate. There is a chance of fatality if not treated properly. You may feel tired or feverish and notice some swelling in the area of the rash.

It is important to note even if you are not overly concerned for yourself, you should be concerned for your family and coworkers. The virus is very contagious and should be treated immediately. Besides early treatment can lessen the severity and duration of your outbreak.

In very severe cases, your doctor may prescribe a bleach bath to kill the bacteria. However, this should never be undertaken without a doctor’s advice as the wrong dilution can cause severe problems. Phototherapy and laser therapy are also alternative therapies that your doctor or dermatologist may consider.

The main thing to remember is prevention is better than cure, use good hand washing practices and keep yourself healthy. When you are run down your immune system becomes compromised and less able to fight off infection and the herpes particles.

Defining Wind Generated Electrical Power and Discussing Pros and Cons of the Technology

Introduction

Wind generated electrical power exists through harnessing wind-power energy with turbines. To fully understand wind generated electrical power, one must understand how wind powered electricity is made; resources needed to utilize wind power; types and sizes of wind turbines; building a wind turbine; potential positive and negative impacts of the technology; where wind powered electricity can be effectively generated; and, offsetting the costs of wind powered electrical technology.

How Wind Powered Electricity is Made

The technology of wind generated electrical power functions by creating electricity through the use of various styles of wind turbines. Initially, one might ask, “So how do wind turbines make electricity?” Simply said, a wind turbine works the opposite of a fan. Instead of using electricity to make wind, like a fan, wind turbines use wind to make electricity. The wind turns the blades, which spin a shaft, which connects to a generator and makes electricity.

Resources Needed to Utilize Wind Power

The primary resource of Wind powered technology is, of course, wind. Wind is very abundant in many parts of the United States and other parts of the world. Wind resources are branded by wind-power density classes, ranging from class 1 (the lowest) to class 7 (the highest). Good wind resources (e.g., class 3 and above, which have an average annual wind speed of at least 13 miles per hour) are found in many areas. Wind speed is a critical of wind resources, because the energy in wind is proportionate to the cube of the wind speed. In other words, a stronger wind means more power.

Wind resource development requires land and may compete with other uses of that land, and those alternative uses may be more highly valued than electricity generation. However, wind turbines can be positioned on land that is also used for grazing or even farming. Wherever a wind farm is to be built, roads are cut to make way for shipping parts. At each wind turbine location, the land is graded and the pad area is leveled. Wind energy also requires the building of wind turbines.

Types and Sizes of Wind Turbines

Modern wind turbines fall into two basic groups: the horizontal-axis variety and the vertical-axis design, like the eggbeater-style Darrieus model, named after its French inventor. Horizontal-axis wind turbines typically either have two or three blades. These three-bladed wind turbines are operated “upwind,” with the blades facing into the wind. Darrieus models, or vertical-axis wind turbines, have two vertically oriented blades revolving around a vertical shaft.

In addition to different types, there are many different sizes of wind turbines. Utility-scale turbines range in size from 100 kilowatts to as large as several megawatts. Larger turbines are grouped together into wind farms, which provide bulk power to an electrical grid. Single small turbines, below 100 kilowatts, are used for homes, telecommunications, or water pumping.

Small turbines are sometimes used in connection with diesel generators, batteries, and photovoltaic systems. These systems are called hybrid wind systems and are typically used in remote, off-grid locations, where a connection to the utility grid is not available.

Building a Wind Turbine

The first step in building a wind turbine is setting up the tower where the fiberglass nacelle is installed. The nacelle is a strong, hollow casing that contains the inner workings of the wind turbine. Usually made of fiberglass, the nacelle contains the main drive shaft and the gearbox. Its inner workings also contain blade pitch and yaw controls. The nacelle is assembled and attached onto a base frame at a factory.

The most diverse use of materials and the most experimentation with new materials occur with the blades. Although the most dominant material used for the blades in commercial wind turbines is fiberglass with a hollow core, other materials in use include lightweight woods and aluminum. Wooden blades are solid, but most blades consist of a skin surrounding a core that is either hollow or filled with a lightweight substance such as plastic foam or honeycomb, or balsa wood. Wind turbines also include a utility box, which converts the wind energy into electricity and which is located at the base of the tower. The generator and electronic controls are standard equipment whose main components are steel and copper. Various cables connect the utility box to the nacelle, while others connect the whole turbine to nearby turbines and to a transformer.

Potential Positive and Negative Effects of Wind Powered Electricity

There are a variety of potential positive and negative impacts of wind powered technology.

Potential positive impacts include:

• Wind energy is friendly to the surrounding environment, as no fossil fuels are burnt to generate electricity from wind energy.

• Wind turbines take up less space than the average power station. Windmills only have to occupy a few square meters for the base; this allows the land around the turbine to be used for many purposes, for example agriculture.

• Newer technologies are making the extraction of wind energy much more efficient. The wind is free, and we are able to cash in on this free source of energy.

• Wind turbines are a great resource to generate energy in remote locations, such as mountain communities and remote countryside.

• Wind turbines can be a range of different sizes in order to support varying population levels.

• When combined with solar electricity, this energy source is great for developed and developing countries to provide a steady, reliable supply of electricity.

Potential negative impacts include:

• Wind turbines generally produce less electricity than the average fossil fuelled power station, requiring multiple wind turbines to be built.

• Wind turbine construction can be very expensive and costly.

• Wind turbines can have a negative impact to surrounding wildlife during the build process.

• The noise pollution from commercial wind turbines is sometimes similar to a small jet engine.

• Protests and/or petitions usually confront any proposed wind farm development. People feel the countryside should be left intact for everyone to enjoy its beauty.

Where Wind Powered Electricity Can be Effectively Generated

Places in the world where wind blows strong and often, people and businesses can harness the wind as an option to use in the generation of electricity. Globally, these places include much of North America, southern South America, Greenland, most of Europe, Northern Africa, eastern Asia, most of Australia, and anywhere there are mountains or large hills. The top 5 countries producing electrical wind power in 2007 were: Germany, United States, Spain, India and China, respectively.

Considerable wind speeds also occur across oceans and large water bodies. Since most of the world’s population lives near oceans, wind farms with strong offshore and onshore breezes could produce an abundant amount of electricity. On land in the USA, the major wind corridor is the Great Plains which includes the states of North Dakota, South Dakota, Nebraska, Kansas, Oklahoma and Texas. The wind corridor also extends into the states west to the great mountains west, including eastern Montana, Wyoming, Colorado, and New Mexico. There are also considerable wind resources in eastern and southern Minnesota and the entire state of Iowa, diminishing south through Missouri and east through southern Wisconsin and northern Illinois, Indiana and Ohio. Parts of New York and the New England states also have considerable wind.

The Department of Energy (DOE) estimates that wind power could supply the US with 100% of its electricity, just from the Great Plains wind corridor or from offshore wind farms alone. According to the “Pickens Plan,” a $10 billion wind farm with 2500 generators can supply enough energy for 1.3 million homes, and for $1 trillion the Great Plains wind corridor could supply 20% of America’s electricity. That would be about 250,000 generators to supply 130 million homes.

In a report published by the U.S. Department of Energy, “20% Wind Energy by 2030: Increasing Wind Energy’s Contribution to U.S. Electricity Supply,” that report concluded that:

• Reaching 20% wind energy will require enhanced   transmission  infrastructure, streamlined siting and permitting regimes, improved reliability and operability of wind systems, and increased U.S. wind manufacturing capacity.

• Achieving 20% wind energy will require the number of turbine installations to increase from approximately 2000 per year in 2006 to almost 7000 per year in 2017.

• Integrating 20% wind energy into the grid can be done reliably for less than 0.5 cents per kWh.

• Achieving 20% wind energy is not limited by the availability of raw materials.

• Addressing  transmission  challenges such as siting and cost allocation of new  transmission  lines to access the nation’s best wind resources will be required to achieve 20% wind energy.

Offsetting the Costs of Wind Powered Electrical Technology

Although wind generated electrical power seems to be an unlimited resource, and, the best wind sites appear to be competitive with market electricity prices in most U.S. regions, several factors exist that make it a less appealing source of alternative energy in terms of economic cost. First off, wind is not uniformly priced resource. Its costs vary widely depending on project scale, wind speed, region, and other factors. Second, the benchmark for comparison with wind to other fuels varies regionally. Third, extra revenue is required to make a project viable, sunk costs are considerable.

To offset the factors that make wind powered electricity a less appealing source of alternative energy and promote its continued growth, wind energy in many areas receives some financial or other support to encourage development. Wind energy benefits from subsidies either to increase its attractiveness or to compensate for subsidies received by other forms of production, such as coal and nuclear, which have significant negative impacts. In the United States, wind power receives a tax credit for each Kilowatt hour produced; that was 1.9 cents per Kilowatt hour in 2006. The tax the credit has a yearly inflationary adjustment. Many American states also provide incentives, such as exemption from property tax, mandated purchases, and additional markets for “green credits.” The Energy Improvement and Extension Act of 2008 contain extensions of credits for wind, including micro-turbines.

Secondary market forces also provide incentives for businesses to use wind-generated power, even if there is a premium price for the electricity, socially responsible manufacturers pay utility companies a premium that goes to subsidize and build new wind power groundwork. Companies use wind-generated power, and in return they can claim that they are making a “green” effort.

Undoubtedly, further tax credits, subsidies and incentives will also be needed to achieve the goal of 20% Wind Energy by 2030. Today, wind power approximately accounts for about 2% of the electricity generated in the United States.

Summary

The technology of wind generated electrical power functions by creating electricity through the use of various styles of wind turbines is a very viable alternative energy. Although wind generated electrical power does have some negative impacts, this author feels that in terms of long-term cost and benefit compared with other types of energy, such as the burning of fossil fuels, using a renewable resource such as wind generated electrical power economically, environmentally, and socially is making more and more sense.

Choosing a Medical Transcription School

In addition to the medical transcription courses you can take at community colleges or trade schools, you can also complete a course online or have the course sent to your home to complete.

If you take an online course or are completing your course at home and are working at the time of taking your course, it can be very beneficial as you get to choose your own hours for studying and testing. If you are either not working or only working part time you can probably complete your course in less than 6 months. If you are working full time it will probably take you longer. It is up to you to choose the time frame you are comfortable with. There won’t be someone standing over you telling you to hurry up. You will set your own schedule and the amount of time you will be spending on your course.

When you are researching your school be sure you check out their support staff. This can be very important during your training. You want to be able to contact them and get a response quickly to your questions. A lot of the top schools have chat rooms and forums where you can communicate and interact with other students. This can be very helpful and can sometimes get you a lead to a job when you finish your schooling.

Your course should consist of not only textbook lessons but also in getting to transcribe actual doctor’s dictations. This is something you can really only learn by doing. One of the most important things you will need to learn is how to correctly interpret the doctor’s voice dictations. This will take practice. But the more that you practice the better prepared you will be to become a medical transcriptionist.

There are many medical procedures and fields that you will learn during your course. One of the most important is medical terminology. This is the basis for every medical term you will be typing. You will also be learning disease processes, some training in specialties such as gynecology, GI and GU, dermatology, chiropractic terms and procedures, physiology, and many others.

You need to have a broad knowledge of all different types of fields because you don’t know what your first position will be. Maybe working in a pediatrician’s office or a psychiatrist’s office. Working for a clinic is a good place to start and has a combination of many different diagnoses and treatments from a sore throat to a cut toe. It will be good experience to get you started on the right track.

A lot of the medical transcription schools have started giving some training in different types of medical transcription software and types of transcription equipment. With the internet playing such a large role in medical transcription today, you will need to familiarize yourself with different applications and transmission formats. You will need to have a compatible system with the health care providers you will be working for.

Do a thorough research of the many medical transcription school programs that are out there now. Find the one that suits your needs for convenience and financially. Some programs have a payment system for monthly payments, some require half down and monthly payments, and some require the entire fee up front.

Botox Facts

Botox injections are used for a variety of medical reasons, but can also be used cosmetically. When the drug is injected under the skin, it acts as a muscle relaxer by blocking nerve transmission in the face. This procedure can reduce the sagging, fine lines, and wrinkles that are associated with aging. There are a few things, however, which can interfere with the effectiveness of the procedure. Keeping these facts in mind will help you to achieve the best possible results.

Age is a Factor

Botox injections are most effective for patients under the age of forty. If you’re over 40, the injections will still work, but they will be less effective and it will take longer to achieve your desired results. Once you’ve reached this age, you begin to lose fat in your face. The fine lines and wrinkles that you’re seeing are no longer due to muscle tension, but to actually tissue loss, which cannot be reversed with this drug. A series of injections will still add youth to your appearance, but may not be able to completely eliminate fine lines and wrinkles.

Keep Side Effects in Mind

While many patients experience no side effects from an injection series, others develop headaches or feel nauseous after receiving their shots. Before you have a series of injections, you should be sure that you’re not allergic to the drug. Those who are allergic may experience respiratory difficulties after a shot series. Be sure to inform your cosmetic surgeon of any other medications that you’re taking, so that he can check for drug interactions. A drug interaction or allergic reaction can be life threatening, so it’s important that your doctor is aware of your allergies and medications.

The Procedure is Temporary

When you elect to have Botox injections, you should be aware that the procedure is temporary. A series of shots generally lasts four to five months; after this, you’ll need to make another appointment and repeat the procedure. Regular injections will help to ensure continued results, whether you’re having the procedure for cosmetic or medical reasons.

These injections aren’t only used for cosmetic purposes. If you experience migraines, chronic pain, or cervical dystonia, you may also be eligible for the injections. Depressed patients, those with overactive bladders, and men with prostate issues may also gain relief from their symptoms through these injections. If you struggle with these issues, consult your doctor to see if Botox is right for you.

Wide Area Network (WAN)

Types and Characteristics of WANs

What is a WAN?

There are two prevailing definitions of a Wide Area Network (WAN). The book definition of a WAN is a network that spans large geographical locations, usually to interconnect multiple Local Area Networks (LANs). The practical definition of a WAN is a network that traverses a public network or commercial carrier, using one of several WAN technologies

What are its Main Components?

The main components for a WAN are routers, switches and modems. These components are described below in the hardware section.

CPE – Devices on the subscriber premises are called customer premises equipment (CPE).

The subscriber owns the CPE or leases the CPE from the service provider. A copper or fiber cable connects the CPE to the service provider’s nearest exchange or central office. This cabling is often called the local loop, or “last-mile”.

DTE/DCE – Devices that put data on the local loop are called data circuit-terminating equipment, or data communications equipment (DCE). The customer devices that pass the data to the DCE are called data terminal equipment (DTE). The DCE primarily provides an interface for the DTE into the communication link on the WAN cloud.

Hardware

In a WAN you will need various types of hardware components for it to function. The typical items of hardware that you will need in a WAN are:

Router – An electronic device that connects a local area network (LAN) to a wide area network (WAN) and handles the task of routing messages between the two networks. Operates at layer 3, and makes decisions using IP addresses.

Switch – A switch is a network device that selects a path or circuit for sending a unit of data to its next destination. Operates at layer 2, and uses MAC addresses to send data to correct destination.

Modem – Short for modulator/demodulator, a modem enables a computer to communicate with other computers over telephone lines. Operates at layer 1, where signals are converted from digital to analogue and vice versa for transmission and receiving.

Wan Standards

WANs operate within the OSI model using layer 1 and layer 2 levels. The data link layer and the physical layer. The physical layer protocols describe how to provide electrical, mechanical and functional connections to the services provided by the ISP. The data link layer defines how data is encapsulated for transmission to remote sites.

Encapsulation

Encapsulation is the wrapping of data in a particular protocol header. Remember that WANs operate at the physical layer and the data link layer of the osi model and that higher layer protocols such as IP are encapsulated when sent across the WAN link. Serial interfaces support a wide range of WAN encapsulation types, which must be manually specified. These types include SDLC, PPP, Frame delay etc. Regardless of WAN encapsulation used it must be identical on both sides of the point to point link.

Packet and Circuit Switching

Circuit switching and packet switching are both used in high-capacity networks.

The majority of switched networks today get data across the network

through packet switching.

Circuit-switching is more reliable than packet-switching. Circuit switching is old and expensive, packet switching is more modern.

General Routing Issues

What is a Routing Protocol?

A routing protocol is a protocol that specifies how routers communicate and exchange information on a network. Each router has prior knowledge of its immediate neighbours and knows the structure of the network topology. The routers know this because the routing protocol shares this information.

Protocol

RIP (Routing Information Protocol) was one of the most commonly uses protocols on internal networks. Routers use RIP to dynamically adapt changes to the network connections and communicate information about which networks routers can reach and the distance between them. RIP is sometimes said to stand for Rest in Pieces in reference to the reputation that RIP has for breaking unexpectedly and rendering a network unable to function.

Routing Algorithms

Distance Vector

This type of routing protocol requires that each router simply inform its neighbours of its routing table. The distance vector protocol is also known as the bellman-ford algorithm.

Link State

This type of routing protocol requires that each router maintain a partial map of the network. The link state algorithm is also know as Dijkstra’s algorithm.

IGRP

IGRP is a type of distance vector routing protocol invented by cisco used to exchange routing data in a autonomous system. Distance vector protocols measure distances and compare routes. Routers that use distance vector must send all or a portion of their routing table in a routing update message at regular intervals to each neighbour router.

Addressing and Routing

What does routing mean?

Routing is the process of deciding how to move packets from one network to another.

The directions also known as routes can be learned by a router using a routing protocol then the information is passed from router to router along the route of the destination.

IP Address’s

Every machine connected to the internet is assigned an IP address. An example of an IP address would be 192.168.0.1. IP addresses are displayed in decimal format to make it easier for humans to understand but computers communicate in binary form. The four numbers that separate an IP address are called Octets. Each position consists of eight bits. When added to together you get 32 bit address. The purpose of each octet in an IP address is to create classes of IP addresses that can be assigned within a network. There are three main classes that we deal with Class A, B and C. The octets of an IP address are split into two parts Network and Host. In a class A address the first octet is the network portion, this determines which network the computer belongs to, the last octets of the address are the hosts that belong to the network.

Sub netting

Sub netting allows you to create multiple networks within a class A, B or C address. The subnet address is the address used by your LAN. In a Class C network address you would have a subnet mask of 255.255.255.0. A subnet mask identifies which portion is network and which is host. For example 192.168.6.15 the first octet three octets are the Network address and the last octet being the host(Workstation). It is important to subnet a network because gateways need to forward packets to other LANS. By giving each NIC on the gateway an IP address and a Subnet mask it allows the gateways to route packets from LAN to LAN. Once the packet arrives at its destination, the gateway then uses the bits of the subnet portion of the IP address to decide which LAN to send the packets.

Circuit Switched Leased Lines

A circuit switched network is one that establishes a dedicated circuit (or channel) between nodes and terminals before the users may communicate. Here are some terminologies associated with a Circuit switched network.

Frame relay is a telecommunication service designed for cost-efficient data transmission between local area networks (LANs)

Basic rate interference is a service used by small business for internet connectivity. An ISDN BRI provides two 64 Kbps digital channels to the user.

Primary rate interface (PRI) is a telecommunications standard for carrying voice and data transmissions between two locations

All data and voice channels are ISDN and operate at 64kbit/s

Packet Switching

http://www.raduniversity.com/networks/2004/PacketSwitching/main.htm – _Toc80455261

Packet switching refers to protocols in which messages are broken up into small packets before they are sent. Each packet is then transmitted over the Internet. At the destination the packets are reassembled into the original message. Packet switching main difference from Circuit Switching is that that the communication lines are not dedicated to passing messages from the source to the destination. In Packet Switching, different messages can use the same network resources within the same time period.

http://en.wikipedia.org/wiki/Asynchronous_Transfer_Mode

Asynchronous Transfer Mode (ATM) is a cell relay, packet switching network and protocolwhich encodes data into small fixed-sized cells.

ISDN is used to carry voice, data, video and images across a telephone network. ISDN stands for integrated services Digital Network. Isdn also provides users with a 128kbps bandwidth. This is done through frame relay. Frame relay complements and provides a service between ISDN, which offers bandwidth at 128 Kbps and Asynchronous Transfer Mode which operates in somewhat similar fashion to frame relay but at speeds from 155.520 Mbps or 622.080 Mbps. Frame relay is based on the older X.25 packet switching technology and is used to transmit analogue signals such as telephone conversations.

PSDN stands for packet switched data network and is a data communication network. Packet switched networks do not establish a physical communication signal like the public telephone does (circuit switched network) Packets are sent on a fixed length basis and assigned with a source and a destination address. The packets then rely on the routers to read the address and route the packets through the network.

Mobile and Broadband Services

Digital Subscriber line(DSL) is mainly used to bring high bandwidth connections to homes and small business’s over a copper wire telephone line. This is can only be achieved if you stay within the range of the telephone exchange. DSL offers download rates of up to 6mbps allowing continuous transmission of video, audio and 3D effects. DSL is set to replace ISDN and compete with the cable modem in providing multimedia to homes. DSL works by connecting your telephone line to the telephone office over copper wires that are twisted together.

Asymmetric Digital Subscribers Line is most commonly used for home users. It provides a high download speed but a lower upload speed. Using ADSL, up to 6.1 megabits per second of data can be sent downstream and up to 640 Kbps upstream.

http://en.wikipedia.org/wiki/Symmetric_Digital_Subscriber_Line

Symmetric Digital Subscriber Line is a digital subcriber line which runs over one pair of copper wires. The main difference between ADSL and SDSL is the difference in upload and download speeds. SDSL allows the same upstream data rate and downstream data rate as ADSL upstream can be very slow.

[http://searchnetworking.techtarget.com/sDefinition/0],,sid7_gci558545,00.html

HDSL High bit-rate Digital Subscriber Line, one of the earliest forms of DSL, is used for wideband digital transmission within a corporate site and between the telephone company and a customer. The main characteristic of HDSL is that provides equal bandwidth in both directions.

IDSL is a system in which data is transmitted at 128 Kbps on a regular copper telephone line from a user to a destination using digital transmission.

The Local Loop enables operators to connect directly to the consumer via copper local loops and then add their own equipment to offer broadband and other services. This process involves operators accessing local exchange buildings to connect to a network of copper lines which connect them to homes and businesses. BT is an Example of a Local Exchange. The local loop connecting the telephone exchange to most subscribers is capable of carrying frequencies well beyond the 3.4 kHz upper limit.

Benefits of using DSL

DSL can provide virtually instantaneous transmission of voice, data and video over ordinary copper phone lines. A DSL connection can eliminate delays when waiting to download information and graphics from the Internet. It provides users with a cost effective high speed Internet connection. Another benefit is that a DSL connection is always on-line (like a LAN connection) with no waiting time for dialling or connecting.

There are now more than 10 million broadband connections in the UK. By December 2005 there were 9.792 million broadband connections in the UK and the average broadband take up rate during the three months to December was more than 70,000 per week.

A Few Fantastic Health Benefits of Yoga

There are so many of us who inevitably end up associating yoga with its “physical” attributes. In fact, they shy away from it simply thinking that yoga is strictly meant for the physically fit or the athletic ones. A highly erroneous notion. The concept is far from truth-very far! Yes, it’s a physical exercise. No doubt about it. However, one needs to understand that this ancient practice entails much more than just “body”- yogis aim for that perfect realm of stability where the mind, body and spirit work in cohesion. Today, we will be primarily discussing the health benefits of yoga but not before clearly pointing out that you can practice it even if you are not athletic! Here’s what you need to find out about the health benefits of yoga. They are simply fantastic.

It can bolster the function of lungs

Deep purposeful breathing is a part of the yogic experience. Such exercises, as per studies, can actually improve the functioning of lungs. With a better-functioning pair of lungs you can expect to perform a lot of activities better – like running or walking long distances without getting tired.

Exercises bolster the condition of your heart as well

Patients with high blood pressure and cholesterol can benefit a lot from yogic exercises. Studies, for instance, have shown that individuals practicing yoga on a regular basis have lower blood cholesterol levels and reduced risks of blood cholesterol level. What more? The efficaciousness of the breathing exercises is now even harnessed by doctors to address heart ailments. Medical practitioners duly acknowledge the usefulness of the right breathing techniques and exercises when it comes to reversing symptoms of several stress induced diseases or heart ailments.

These exercises help you master the right postures

The importance of sitting, working and walking in the right posture is mostly undermined by us. We often fail to identify the evils of wrong postures. For instance, we just fail to realize that wrong postures can actually give birth to a number of problems including neck pain, shoulder pain and so much more.

Practicing yoga can help you build stronger muscles so that they can support the right postures. Yogic exercises also add flexibility to your body thereby eliminating muscle tension so that you are able to walk and sit with your shoulders straight. You can sit with your stomach tucked in as well.

Yoga can also help you fight depression

Meditation or relaxation exercises can help you get out of depressive thoughts as well. For many depressed people, when every measure fails, yoga turns out to be the answer.

So, what exactly are you waiting for? It doesn’t matter how old you are or how athletic (or not) you are, you can always trust the therapeutic benefits of yoga in a major way. Find a credentialed instructor and get going! Make sure you are exploring more about these exercises and their benefits by reading up about the same. There is no dearth of resources to help you there. Make sure you’re keeping these points in view.

Investing 101: Before You Start Investing Money

Doesn’t it make sense to learn to invest (some basics) before you start investing money for real? Maybe a course called investing 101 or personal investing would be helpful. Here this retired financial planner relates a story, and then points the new investor in the right direction so he or she does not start investing uninformed.

In the dean’s office of one of the largest universities in America, I recently asked if they offered investing 101, personal investing, or any finance course where the student could learn to invest. “After all, we all need to start investing money someday, and it is much to one’s advantage to be informed vs. uninformed, isn’t it?” That was my response when told, “no, or at least I can’t find one” by the dean. I was informed that they had well over 50,000 current students enrolled and offered THOUSANDS of courses in the various colleges throughout the university. But he could find no course under the heading of personal investing or investing 101, and he was in charge of the curriculum.

We spent about an hour together searching and were both laughing out loud at what WAS offered. How about a course in “the art of falling down”? It’s offered. Investing 101? Which college in the university would offer such a course? “The athletic department is real big here; maybe they could help”, I suggested. After all, professional football players make big money. They need to learn to invest money (in case their career is short) and should start investing early. I knew a few players when I was a financial planner, but like most folks they tend to procrastinate when the money is flowing in. They’re too busy earning it, and don’t have the time to learn to invest.

The truth of the matter is that I don’t find it funny that it’s difficult to find a down-to earth practical course that most people could truly benefit from, because as a new investor you need to learn to invest money before you start investing for retirement or any other financial goal. As a new investor you may not be able to find a financial planner you can work with or afford. Even if you found one, do you really want to start investing money with him or her without first getting your feet wet in the basics of personal investing? Let’s start at the beginning.

Before you get into financial concepts like asset allocation and strategy, you should first learn the very basics: investment characteristics. How can you compare various alternatives to determine which best suit your needs, financial goals and comfort level? In other words, you need to decide what you are really looking for. And you need a list of factors to consider before you start investing money. For example, do you have a long term goal like retirement, and are you willing to accept a moderate level of risk? If so, there are numerous investment alternatives to consider, and you can also get tax breaks.

On the other hand, if you have a shorter term financial goal and might need access to your money at a moment’s notice, that’s a totally different picture. You need to match your financial wants and needs to the various alternatives that have characteristics best suited to your personal investing goals. There is no single best choice for every financial goal. It’s a matter of give and take. I have a list of 5 factors you must consider and a few other things you should consider before making a decision. This is basic investing 101. Whether you are a new investor or you’ve been at it for a while and have never really taken the time to learn to invest – you should learn the basics.

This is the first in a series of investing 101 articles I plan to write. In my next article I plan to put my list of characteristics you need to consider before you start investing money in black and white. Don’t feel bad if you are an uniformed new investor (or a want to-be). Do something and learn to invest starting with the basics.

Once you have a handle on a few basic financial concepts you can start investing with confidence. Once you learn to invest you can reach your financial goals. If you think I’m trying to build your confidence, you are right. Stay tuned to investing 101 as we get back to basics. No offense to anyone at one of THE largest universities in the country, but there’s a void out there and I plan to fill it.