Planning Strength and Speed Training For American Football

October 27, 2016

American Football, like many other sports, has a history of coaches with a poor understanding of the sport’s demands inflicting upon players the necessity to run laps of the pitch, and engage in other forms of training at odds with the sport’s unique demands. With a constant stop start style to the play, with the average play lasting no longer than ten seconds, followed by a much longer rest period, its demands are closer to traditional sprinting and weight training methods, than sports such as Rugby or Boxing, where there is a much greater endurance element required. At the same time, the sport has a big element of lateral mobility and technical considerations to consider, absent from pure speed or strength sports.This article will look at ways to incorporate speed and strength training methods to assist a player looking to improve his speed/strength during the football off-season. Each element will be considered individually. Given the wide range of requirements for the different positions in football, this article will focus on training planning for a typical week for Linebackers, Backs and Strong Safeties, although the advice is applicable to most positions except Kickers and Offensive/Defensive Linemen. Even then, many of the elements would remain broadly similar for these positions.Strength TrainingMost American Football players today will already place a large emphasis on strength training as this has been emphasized for a comparatively longer time in the sport due to the ever increasing demand for larger and stronger athletes. This does not mean that players should automatically follow the training advice handed out in bodybuilding magazines, or follow a generic college training program. Unfortunately, most college programs suffer from being overly simplistic due to the need to try to train 40 or 50 athletes at once in a facility. This type of training leads to the most simple, easy to administer programs being handed out to athletes, rather than the most effective. Similarly, athletes who believe bodybuilding programs can enhance sports performance may potentially gain some muscle size but at the expense often of relative strength and speed going down, as well as a decrease in joint mobility if emphasising single joint exercises. Additionally, bodybuilding programs’ emphasis on training to failure and exhaustive work on individual muscle groups will lead to less energy being available for the high intensity, explosive work which football demands.Split Training vs Whole Body TrainingMost players will often follow a typical bodybuilding protocol where individual muscle groups are trained once per week with very high volume. Unfortunately, while this may work under certain circumstances for bodybuilders, football players cannot afford to adopt this method. Most significantly, this method of training makes it very difficult to integrate training with the demands of improving other elements vital to success in football. For example, many bodybuilders will train back, quadriceps, hamstrings on separate days. This will mean for most of the time players will have insufficient energy to perform their other drills, sprint work etc due to excess muscular fatigue. Furthermore, split training will mean the central nervous system is always under stress from constantly performing high intensity activity leading to impaired recovery and ability to perform other drills outside the gym with the required intensity.

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This leaves two options. The first is to adopt a lower/upper body split and the second is to adopt a full body training program. Both options have their advocates. Splitting the body into lower/upper will mean legs get trained twice a week meaning five days are left for rest. By only training legs on those two days, a greater volume of work can be performed on training days compared to a typical whole body approach consisting of hitting the weights on a Monday, Wednesday, Friday basis, where because of the increased frequency and need to train upper body as well, leg training volume would need to be reduced.Depending on the athlete’s needs an upper/lower split is usually more useful for increasing strength and muscle size as many will struggle to maintain the intensity needed for a long, whole body training workout. A sample lower/upper body split would be as follows:Sample Strength Training SplitMondaySquats 4 x 4-6
Romanian Deadlifts 4 x 4-6
Step Ups 2 x 8
Pullthroughs 2 x 8
Ab Rollouts 2 x 8TuesdayIncline Bench Press 4 x 4
Hang Cleans 3 x 3
Shoulder Press 2 x 6
Pullups 2 x 6
Tricep Extensions 2 x 8
Barbell Curls 2 x 8ThursdayPower Cleans 5 x 3
Snatch Grip Deadlifts 3 x 5
One Legged Squats 2 x 6
Glute Ham Raise 2 x 8
Hanging Leg Raises 2 x 10FridayClose Grip Bench Press 3 x 5
Pullups 3 x 5
Incline Dumbell Press 2 x 8
Seated Row Machine 2 x 8
Tricep Extensions 2 x 12
Dumbell Curls 2 x 12Speed TrainingSpeed training for football players needs to consider the fact that football sprints are usually of much shorter duration than sprinting in track and field events. At the same time the body mechanics of football players will be different to those you see in top class sprinters.Having said that, a speed training program for football players will have a large degree of overlap with that of Olympic athletes but with a limited requirement for the type of speed endurance work performed by sprinters during the summer track season. Instead a football program should primarily emphasise acceleration techniques with a smaller component of top speed work so that for the rare occasions that a full sprint is required, the player is able to maintain his top speed for longer.Although there are many differing views on how to train speed, the approach used by Charlie Francis[i] is one which works well for integrating the other aspects of football training.Speed Training Template for Off-SeasonMondayWarmup – 5 min general warmup
Mobility Exercises – 10 min
Running Drills – 10 min
Start Work – 6 x 10m (Practise a 3 point or 2 point stance and perform a maximal 10m sprint)
Acceleration Work – 6 x 20m (2 or 3 point stance and accelerate through to 20m)
Acceleration Work – 2 x 30m (Run from standing start to 30m)Rest times between sprints should be 2-3 mins for 10m work, 3-5 min for 20m work, and 4-6 min for 30m work to ensure full recovery is attained.The astute reader will notice the sprints are combined on a day where the weights pushed will be heavy. Depending on the athletes needs, they could sprint in the AM and do the weights in the evening or vice versa. Both approaches will work. The main factor behind placing sprints on the same day as weight training the legs is to allow for greater CNS and muscular recovery. Trying to sprint on separate days (e.g. on Tue) would mean the legs still being fatigued from the day before and then having less rest before the next weight session for legs. By contrast, combining weight training with leg work on the same day is something sprint coaches usually recommend.TuesdayWarmup – 5 min general warmup
Mobility Exercises – 10 min
Running Drills – 10 min
Tempo Work 8-10 x 100m @60-70% speedTempo training is running the distance at a sub-maximal speed and walking the next 100m. It is very important both for active recovery (recovering from the previous day’s exertions), learning to run in a relaxed manner (many athletes strain too much when sprinting maximally), and for overall conditioning and fat loss (the intervals being approximately similar when running/walking, as the work/rest time in football and in fat loss protocols such as Tabata).WednesdayWith another high intensity day scheduled for Thursday, Wednesday is a time to rest and recuperate. Some mobility and drill work is okay for those who need it though.ThursdayWarm-up – 5 min general warm-up
Mobility Exercises – 10 min
Running Drills – 10 min
Start Work – 6 x 10m (Practice a 3 point or 2 point stance and perform a maximal 10m sprint)
Acceleration – 3 x 20m
Acceleration – 3 x 30m
Top Speed – 3 x 50mThursday’s sprint training session is partnered with a relatively low load, explosive lifting weight training day. The sprint distances complement the weights by being of a greater distance and speed. This is the day when the football player will work his maximum speed but we keep acceleration work in, albeit at a reduced volume, as acceleration is a very important factor for football as well as helping to warmup the body for the top speed work. Rest times can be up to 10min long for the top speed sprints. The work conducted has to be of a high quality with full muscular and CNS recovery between sprints the aim of the athlete.FridayTempo Work – 8-10 x 100m
This day is a repeat of TuesdaySaturdayWarm-up – 5 min general warm-up
Mobility Exercises – 10 min
Running Drills – 10 min
Start Work – 4 x 10m (Practice a 3 point or 2 point stance and perform a maximal 10m sprint)
Acceleration – 3 x 20m
Acceleration – 2 x 30m
Top Speed – 2 x 50m
Top Speed – 2 x 60mSaturday is the day when we should be at our freshest. There is no weight training prior to training and we are furthest removed from the draining effects of the heavy weight training conducted on Monday and Tuesday. There is a greater emphasis on top speed work this time with an increase in the distance up to 60m. This should be the time the athlete is setting his best times.

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SundayRestGoing Past a WeekAt this point it should be pointed out that the approach given is for a sample training week in the off-season. Strength and speed training should still be periodized as normal. A favored approach of many programs is to gradually increase training volume and intensity before incorporating a week of reduced volume and intensity to allow for supercompensation and CNS recovery to take place. A 3/1 split of hard training followed by an easier “unloading” week will help promote continued improvements rather than trying to constantly add weight/sets/sprints to the program which will only lead to stagnation.At the same time, other exercises and techniques will usually be incorporated to provide the athlete’s body with new challenges but the overall goal should remain the same which is to increase strength and speed over the long haul. Although it will be easy for a beginner to make rapid improvements in both strength and speed following a structure such as that outlined, at some point it is likely that either the weights or the speed work will have to be reduced in volume (although not intensity) and maintained so that the other quality being work can be emphasized.Most 100m sprinters will usually go from a program where strength increases are emphasized in winter to one where weight training is restricted to maintenance only so that full attention can be devoted to maximal speed work during the summer months.Of course, for American Football players, they may have a differing view on which element needs emphasizing but the fact remains that given that neither strength or speed improvements in-season are realistic, the player should look at his off-season training program and consider which variable he needs to work on the most. Then, he can perform a greater or lesser amount of speed or strength work as deemed appropriate by him and his coaching staff. For a strong athlete with limited speed this would mean reducing the volume of his weight work on his training days and training speed first in the training day, when the CNS and muscular system is freshest. On the other hand, a weak, fast athlete may wish to perform a limited amount of speed work and increase his weight training volume so that he can bring up his strength levels quicker.Other FactorsMany other factors beyond how the athlete structures his training are important including mobility drills, nutritional support, supplementation, recovery and regeneration techniques, and technical work. Although these are beyond the scope of this article, each element should be implemented carefully. Please check the other articles at this site for further reading.[i] The Charlie Francis Training System (1992)

Benefitting Health With a PhD in Health Education

October 19, 2016

Imagine this real case scenario: In Africa, many people die daily due to malaria. This can be avoided by the use of mosquito netting, which protects the malaria-carrying mosquitoes from biting them. However, people are still ignorant and uneducated about how these nets can save their lives, and go on living without them.Now, picture this: If the people in Africa were educated from young about the dangers of these deadly insects, they would take precautions to save themselves. If, with that knowledge, they also knew that mosquito netting can reduce the number of incidences, many would be alive today.

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As the examples given, the education of living healthily is extremely important. Even without such an extreme case, health education helps us maintain a healthy life. Health education refers to learning about how health can be promoted, restored, and maintained. ‘Health’ does not only refer to the physiological aspect; it also includes the psychological and spiritual aspects.A profession in this field is where one educates others about health and wellness. Being in this profession demands a big heart and dedication towards helping others live a good life. While many might come in as volunteers, having a PhD equips you with the proper knowledge and credentials to educate others on health and wellness. You will also be able to conduct researches, formulate, implement, and evaluate health interventions, one like the mosquito netting example. Of course, this would mean that you would continuously be monitoring and correcting interventions so that society will be more aware of their health, which on the long-term is beneficial to our future grandchildren as they would have known how to live healthily.

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Lastly, with a PhD in Health Education, you are also able to advance your career in the field of health education. This field is never outdated as our society is constantly seeking methods to improve their lives and well being. At the same time, you are also able to discover ways to improve your own mental, physical and spiritual health.

How to Choose the Right Accounting Audit Software for Your Business

September 29, 2016

Audit professional should take his time and review available software solutions solutions on the market. Comparison, research helps, but I what I would suggest is checking testimonial section of each software provider homepages. Check if there are big companies listed among clients, what sort of services they provide. That helps to understand if solution you are willing to buy is worth it.Another great strategy is before you decide what tools to buy, or should you purchase new version of your current software, go to LinkedIn. Yes it is professional social community, where business representatives communicate with each other, share their thoughts, opinions and ideas. But, have you heard how powerful are GROUPS there. Probably not, people are not usually sharing that. In Linked in groups you can find excellent professionals that may really help you with advice or feedback regarding software you are interested in or searching for. Simply find a group for accountants, auditors or network administrators and Post a question about what tools people are using or ask to give you a feedback on any specific audit software product. I bet, in the next 3 hours, you will receive the most professional recommendations that will help you to save your budget and decide the most functional software tools.

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Another great way to get professional advice and recommendation is CPA forums. You probably heard about these communities, simply Google it and you ll find a lot of them in the first 10 search results. Usually they all have threads regarding audit software. Post a new thread asking for advice or follow the discussion. Usually these communities are small, but you will not find beginners there, it’s highly professional audience that is ready to help.

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By following these simple rules you will not waste money and time on useless audit software that don’t have enough functionality to keep your work efficient.

World’s Top Golf Resorts: Train and Play for Your Vacation!

September 11, 2016

The finest golf resorts in the United States, Europe, Mexico and the Caribbean can be your choice for your next vacation. Make it a train-and-play golf vacation! So many package deals are available to make your trip much more than a break from your routine. A golf vacation will be a practical experience of improving your golf game, enjoying a phenomenally peaceful and luxurious setting, and visiting a different state or a different country! This planning guide will point you to some of the best-rated golf resorts in the world.Whether you ultimately book for yourself or through an experienced golf travel specialist, begin your research online where you can find premium golf courses and travel bargains. Rates, resort amenities and golf course details are available. But look further for the packages that include airfare, hotel accommodations and green fees to get your best value. The typical packaged Golf Resort Vacation will include most of these features:Airfare
Resort Accommodations
Confirmed Tee Times
Prepaid Green Fees
Shared Cart for 18 Holes
Equipment Rental
Golf Lessons
Meals at Exclusive Restaurants
Transfers to the Course
Transfers to the Airport
All Taxes and Service ChargesGolf courses are planned in lovely surroundings where you can take in sea breezes or views of lush vegetation, and you can combine golf with other resort amenities to provide a well-rounded vacation.For instance, try one of the many glamorous Club Med Golf Resorts with beautiful fairways in the most unforgettable, inviting locations around the world. Club Med offers deals including the best equipment and golf lessons for all levels! Its locations include Cancun, Mexico, as well as Punta Cana in the Dominican Republic. Other locations span the world: Turks and Caicos, Mauritius, Portugal, France, Italy, Brazil, Thailand, Morocco, Egypt, Senegal, and in the United States–Sandpiper Bay, Florida.

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Scotland has some of the most beautiful golf courses in the world and there are approximately 100 resorts, called “golf hotels,” among the 500-plus golf courses throughout the country. Best known are Turnberry, Gleneagles and The Old Course Hotel St. Andrews. Each of these has spa, leisure facilities, excellent restaurants and “golf tuition” packages for all levels.Mexico has numerous golf resorts perched in luxurious coastal locations. There are golf resorts at Cancun, Acapulco, Puerto Vallarta and Los Cabos. Also, Mexico has its championship Baja version of California’s famous “Pebble Beach” golf resort, called Bajamar, only a few hours’ drive from San Diego in Ensenada.For the United States, check online for some of the golf resorts suggested by key magazines such as Golflink’s which publishes The Top 100 United States Golf Courses. This issue ranks the best out of more than 21,000 public and private golf courses across the country. However, within that one hundred courses, you want to search for the resorts with package programs and golf lessons. Among the top hundred, you will find that the main vacation-destination states with golf resorts are in Arizona, California, Florida, Nevada, South Carolina and Texas. Let’s review these states for their best locations:In sunny, always temperate Florida, Club Med’s Sandpiper Bay Golf Academy offers 2-day and 3-day golf courses. The Academy includes all aspects of the game, such as Chipping, Putting, Bunker, Pitching and Lob Shot, Full Swing with Irons and Woods. A video analyzing your swing is provided, as well as an optional video comparing your swing to that of a pro player. Also, the area within and around Miami has regional golf resorts for year-round vacationing. Each resort offers on-site amenities and services, both on and off the course, and minutes away from major Miami attractions, like South Beach and Miami MetroZoo. You will have a multitude of options during a golf vacation here.
Arizona has a climate that is suitable for many months of the year and Scottsdale has nearly 200 golf courses, many with the picturesque backdrop of the Sonoran Desert. It is a golf destination with golf schools and pro shops. Here, many resorts offer high-quality accommodations and championship golf courses. Most golf resorts offer packages where hotel guests can have discounted green fees. Also, Sedona, Arizona, offers numerous golf resorts with a mild year-round climate and spectacular red-rock scenic views.
In California, Pebble Beach has been known for being a small coastal golf destination nestled in beautiful Monterey County. It is home of the prominent Pebble Beach Golf Links, the Pebble Beach Lodge and the prestigious Inn at Spanish Bay. Each year, golfers return to rub shoulders with golf professionals and experience nature at its finest on the magnificent golf course laid out by leading golf course designers. The harmony of golf layouts and the majestic coast are awe-inspiring!
Another golfer’s paradise is conveniently located along the south Atlantic coast at Hilton Head Island, South Carolina. It combines natural beauty and world-class golf on a barrier island 12 miles long and five miles wide. Nicklaus, Palmer and other golf legends have frequently played these championship courses. Since the first course opened at Sea Pines in 1961, there are now emerald links at Harbour Town and outstanding courses in Bluffton, as the Hilton Head area has become a major golf center. It is legendary for its spectacular views of the Atlantic Ocean, scenic marshes, and maritime forests with abundant wildlife. The temperate climate and year-round sunshine also makes Hilton Head Island the perfect place to tee off.
Las Vegas, Nevada, is quietly emerging as one of the United States’ fastest growing golf destinations amidst the glitz and glamour of its casinos. The city’s huge convention center and innumerable hotel rooms make it a natural haven for large-scale golf events. With the year-round sunshine and mild temperatures, and plenty to do after a full day of playing golf from gambling to seeing entertaining shows, this golf destination will continue to grow.
CNN ranked Austin, Texas the No. 1 city for golf in its Golf.com of 2010. Framed by the Texas Hill Country, Austin’s golf courses are among the best in the United States. The region is highlighted by the Wolfdancer Golf Club which was named No. 56 in Golfweek’s top 100 resort golf courses in 2009. In addition to being a great contemporary music city, and home of numerous celebrities, Austin offers vacationing golfers great barbeque, an idyllic, year-round climate and luxury accommodations.

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Your best package deal will be at all-inclusive resorts, where air flight, lodging, meals and golf activities are rolled into one price. On the other hand, consider traditional hotels and resorts in the locations suggested. With a little online planning, one of the finest golf resorts in the world can be your affordable choice. Enjoy the location, the exploration of the region while you improve your golf game and provide a joyful, well-rounded vacation for your family and loved ones!(c) 2012 Elizabeth McMillian

The Gift of Giving Is a Gift in Itself

August 28, 2016

The act of giving a gift can elicit a multitude of positive emotions to the giver, that indeed it is quite possible that they experience more pleasure than the recipient of the gift. It has been found that giving gifts is an important interaction that strengthens bonds between family and friends. Giving to others strengthens one’s feelings for these people, and also makes one feel more loving and caring.Pursuing the ideal gift can be a taxing experience. Once upon a time, one would have to literally travel from store to store searching for the perfect gift. Apart from the time and effort consumed by the travelling, it was never quite easy to compare and contrast the possibilities in one’s mind, as one was relying on memory of the entire details of each potential gift. Now, with the advent and advantage of online shopping, this one daunting part of gift giving is no longer necessary. The requirement of physical travelling has been eliminated as one merely sits in front of a computer or other Internet browsing device and searches for the perfect gift. Alas, the choices are endless, and not always as organized as one would wish. However, once one has narrowed down the choices, one can actually revisit each choice and compare the images of the potential gifts, and eventually make a selection.

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Giving comes from within, and no matter who the recipient of the gift is, the actual selection of the gift should be a heartwarming process. Knowing the person’s likes and dislikes, wants and needs, circumstances, and events in their life deepens the emotion behind the gift selection process. Giving a gift however, should not be a process that comes with a hardship to the giver. An aura of competitiveness and the need to impress has overshadowed the gentle and caring act of gift giving. For instance, if one is searching for a gift for their brother in law who is an avid golf player, the normal search would begin in the world of golf in the universe of the Internet. However, remembering that your brother in law was recently promoted, and his peers all carry classic name brand fountain pens encased in handsome leather cases, would certainly have some influence on your gift selection thought process. Between the golf equipment and the fountain pen and it’s accessories, an instant “astronomical price” headache begins to form.A mistake often made by many is that they set a price tag on the gift they are going to purchase before they actually make the purchase. In the name of budgeting that is actually a great idea, but unfortunately, we are in the times of “competitive” gift giving, and some people feel the need to outdo others in the extravagance of the gift purchased. It is absurd that many people actually spend money they cannot afford to spend on gifts simply because they are trying to create an impression. The heartwarming experience of the giving of the gift has not been experienced, and instead has been replaced by a aggressive and competitive approach. After the gift has been given, there will certainly be an uncomfortable feeling for as long as that charge remains on the credit card.Very few people remain unscathed by these recent changes in the economical status worldwide. To increase one’s debt in order to compete with others, or create an extravagant impression is not only ridiculous, but also makes the giving of the gift actually an unpleasant experience from start to finish and beyond. Returning to the example of one’s brother-in law, let it be assumed that a new set of golf clubs and an expensive fountain pen with a leather case is entirely out of one’s budget. A less expensive and more personal gift would surely make the selection process a much more personal and enjoyable one. There is no rule that dictates we must cater to the indulgent tastes or more affluent means of others. The art of gift giving must come with the desire to please the recipient with the gift, to take pleasure in the selection of the gift, to keep the cost within one’s budget and means, and to select a gift that will be admired and used.

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Unique gifts for the home or for personal wear are always a warm and sincere gift. Many handmade gifts are available for purchase at reasonable prices via the Internet. They range from hand crocheted tablecloths, to custom made jewelry, to silk floral arrangements, and many home décor items. All of these items are ones that will actually be used instead of being a “showpiece” such as a fountain pen that never actually makes it out of the beautiful leather case. As much pleasure as the gift recipient will receive from their gift, the giver will also be pleased whenever they see the gift being worn or used. A set of throw cushions that was given as a gift will always please the giver every time he or she visits the home of the recipient and sees the throw cushions in use. Truly, these types of gifts are those that are described as “The Gift That Keeps On Giving”.

India Debt Collection Business

October 31, 2016

Until the emergence of debt collection business, debt collection in India, was never treated as a specialized job and was always treated as one of the jobs that legal departments of the banks and financial institutions were required to undertake. A typical legal department of an organization would approach the collection job strictly as a legal issue rather than as a revenue collection measure. Litigation would be the only tool used for recoveries and no other tool was either known or used by the industry. Litigation as a recovery measure always had its own limitations due to long and winding court procedures the Indian legal system is always criticized for. On the other hand, foreign banking firms introduced the concept of specialized debt collection services. Debt collection services became one of the many services that began to be outsourced to specialized agencies. The collection business had a very humble beginning and it barely qualified as a specialized service.However over a period of time with the emergence of India as a global outsourcing destination the domestic businesses also adopted the outsourcing as an efficient business tool. With the result today, the third-party debt collection industry plays an important role in the Indian economy. The industry employs hundreds of thousands of Indians as collection professionals, who are servicing several industries ranging from banks, to telecom service providers to insurance companies. Typically, only small recoveries arising from periodic billing defaults by the customers are outsourced to the collection agencies. Not only the collection business has become a direct source of employment to thousands but its contribution to the economy is more pronounced because it helps infuse money back in the economy that otherwise would have remained uncollected. The economic benefits of third-party debt collection are significant. Citibank is the pioneer in introducing third party collection techniques in India.The debt collection industry in India also has grown sharply this year as higher borrowing costs; rising inflation and the general slowdown in the economy force more companies and individuals into difficulties. Underlying debt has gone through the roof and lenders and organizations increasingly want to move any bad debt off their books. Whether it is a high street bank, a credit card lender or a mobile phone company, growing numbers are turning to professional debt collectors in a more difficult environment.The debt collection industry in India is growing at a faster pace and is surely poised for growth. The credit card outstanding have shot up by a whopping 87% at USD 6114 Million during this year, from USD 2844 Million in the period year ago. The Reserve Bank of India (RBI) which regulates the banking industry in the country encourages banks to shift bad loans off their books more quickly because they will be required to hold more capital against risky assets that may default.COLLECTION INDUSTRY – UNREGULATED SCENARIOThe collection business has its own inherent shortcomings due to unregulated and primitive nature of this business in this country. The persons employed in the industry are untrained both in soft skills and legal skills. Being unregulated, the procedures are not standardized and there are no industry specific checks and balances. Still litigation is used as the last resort tool for recoveries. However the industry has been accused of manipulating the legal system to their advantage by using courts as their agents of recovery. It is seen that big corporations with large volumes of recoveries have unwritten understanding with the local courts at the lowest level. With the patronage of minuscule minority of pliable judges simple civil defaults are registered as criminal cases thus pressurizing the debtors into paying the dues. Slow and long civil recovery court process has no takers in this age of instant results where revenue targets are the most sacrosanct. Under such strict and cut throat environment, there is pressure on the banks to keep their account books healthy therefore such aggressive and extra-legal methods are employed for quick recoveries.

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GOVERNMENT / RBI INTERVENTIONDebt collectors in the past had a lot of leeway and it wasn’t uncommon for collectors to embarrass, harass or humiliate debtors by adopting extra-legal measures. In the absence of any regulatory regime the courts had to step in by laying down guidelines for the industry to follow. After the intervention of judiciary, the RBI woke up to the need of regulating the unruly collection agencies and laid down its own guidelines for the banking industry to follow.The guidelines prescribed by RBI are enforced against the banks that have contractually employed collection agencies. The banks in turn via their contracts with the collection agencies ensure that the RBI guidelines are followed. Now, under the RBI guidelines it is illegal to threaten violence or cause harm to debtor, use obscene language, or repeatedly use the phone to harass debtors. In addition, collection agents cannot seize or garnish a consumer’s property or wages without recourse to court procedure.The following are few of the core underpinnings of the collection process. These are the norms formalized by the top bank in India – RBI.1. DSAs/DMAs/Recovery agents to get minimum 100 hours of training.2. Recovery agents should call borrowers only from telephone numbers notified to the borrower.3. Each bank should have a mechanism whereby borrowers’ grievances with regard to the recovery process can be addressed.4. Banks are advised to ensure that contracts with recovery agents do not
induce adoption of uncivilized, unlawful and questionable behavior or recovery process.5. Banks are required to strictly abide by the codes pertaining to collection of dues.RBI in the draft guidelines issued for banks engaging recovery agents, has asked banks to inform borrowers the details of recovery agents engaged for the purpose while forwarding default cases to the recovery agents.The Reserve Bank of India has also considered imposing a temporary ban (or even a permanent ban in case of persistent abusive practices) for engaging recovery agents on those banks where penalties have been imposed by a High Court/Supreme Court or against its directors/officers with regard to the abusive practices followed by their recovery agents. An operational circular in this regard has been issued in November 15, 2007.Other LawsStill the non banking debts collection business is outside the purview of any regulator. There are no licenses or registrations to be obtained from any regulator to pursue collection business in India. The extant guidelines applicable to banking industry are found inadequate as they address only the problem of debtors’ harassment and the guidelines do not regulate the industry as such. The Government is well aware of the need of having a specialized legal mechanism for recovery of institutional debts which has become a huge problem for the entire banking industry.Every bank is grappling with the non-paying accounts, known as Non Performing Accounts (NPA) in the Indian banking parlance. The problem has taken enormous proportion and threatened the economy. Creation of Debt Recovery Tribunals in the year 1993 was a step in the direction of facilitating fast recoveries by the banks . The intention behind creation of such Tribunal was to ensure that banking industry was provided with its own recovery mechanism that was part of the legal system but at the same time exclusive to the banking industry. Bank debts above USD 22,727 could be recovered through the Tribunals.However, over a period of time it was realized that this new mechanism did not yield the desired result since the recoveries were still slow and due to shear volume of work, the Tribunal became like any other court. The whole objective of having a fast track and efficient recovery mechanism was therefore defeated. Bank debts still remained a major problem to be solved since it affected the entire economy of the country. The Government felt the need of having a mechanism that was minimally dependent on the courts for effecting recoveries since the legal system could not be reformed overnight. Therefore instead of reforming the court procedure the government did some clever thinking and came up with a legislation that minimized the intervention of court and empowered the banks with special powers using which the recoveries could be affected.The government thus came up with a new law Scrutinization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) where under the banks are allowed to liquidate security given by the borrower for recovery of their dues. This law also paved the way for creation of asset reconstruction companies that take over the security interest of the debtors. These agencies are thus another form of debt collection agencies that have been institutionalized.The need to share credit information among the banking industry was also felt in order for the industry to benefit from each other. Thus Credit Information Companies (Regulation) Act was enacted in the year 2005.INDIAN LEGAL SYSTEM AND COLLECTION PROCESSESThe Indian legal system is absolutely fair and assures justice to the party involved. There are remedies available under the law to collect the debt, if the debtor does not agree to pay under normal circumstances. The creditor may file a suit for his recovery. Debts based on written contracts could be recovered by following fast track procedure. If the debtor is a company, creditor / his lawyers may apply in the ‘Company Court’ for winding up of the company due to non-payment of substantial amount of debt. Summary trial is another way. The process may take time-1 to 2 years. Evidences are recorded appropriately and produced in the court of law, whenever required. There is also the arrangement of appeal to be filed at later stage.
US OUTSOURCING SCENARIOIndia has attracted many technology jobs in recent years from Western nations, particularly the United States. Now, it is on its way to becoming a hub in another offshore outsourcing area – debt collection. According to the industry report, units of General Electric, Citigroup, HSBC Holdings and American Express have used their India-based staff to pursue credit card debt and mortgage payment by calling defaulters.

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US debt collection agencies are the newest to start outsourcing their work to India and are satisfied with the results produced by the polite but persistent Indian experts. After insurance claims and credit card sales, debt collection is a growing business for outsourcing companies at a time of downturn in the US economy when consumers struggle to pay for their purchases.Debt collection is a vital and growing component of US economy. There is more than $2.5 trillion in outstanding consumer debt. As a result, the third-party collection industry makes more than one billion contacts with consumers each year. Recently this year, more than $39.3 billion in debt was returned to creditors.Indians have the advantage of lower salaries and other expenses, which cut drastically costs of collecting debts. Debt collectors in India cost as little as one-quarter the price of their US and European counterparts and are often better at the job. Many such Indian firms run 24-hour services. Indian debt-collection companies comply with strict regulations on operations in the American and / or European markets.
SUMMARYIndia has a long way to go in establishing a mature collection services industry. The collection business needs to be regulated and empowered with legal powers to become an effective tool. Already, there is a realization in the country that court dependent recovery is an inefficient way of way of debt collection. Creation of Assets Reconstruction and Securitization Companies under the SARFARESI Act is a step in the right direction of recognizing debt collection as an independent and specialized business function. While some progress is made for the bank debts but still for a large volume of unrealized non bank debt there are no professionally managed and regulated third party collection service providers. Non bank debts are largely unsecured that makes it even more difficult to realize. No big corporations and business houses are interested in acting as collection agents without there being an attraction of valuable security asset. Lawyers can fill this gap by providing collection services for non bank debts. Indian law does not permit contingency fee that makes the business less lucrative. India is therefore ready to benefit from foreign experience, expertise and ideas to create an efficient debt collection industry of its own at par with global status. This need is more felt now by India due to its global ambitions wherein India must adopt globally recognized practices and models. Transnational businesses need a uniform operating system for seamless transactions. Efficient debt collection industry will only instill confidence in companies doing business with Indian companies. Collection professionals have this challenge facing them of creating an efficient system that reduces people’s dependence on court supported recoveries.

Why Personal Finance Software Is Important

October 4, 2016

Why personal finance software is important These days, technology has really revolutionized people’s way of life, including their financial life. Back in the day, most people used a pen and paper to document their earnings, spending, and finances.What is personal finance software?Home finance software refers to a financial tool that enables you to prepare a budget, track your expenses, and check your overall finances. These days, there is no valid reason why you should be disorganized and mired in debt because there are many good personal finance programs that you can use to keep track of your money, plan your future, and completely control your finances. If you have a PC or laptop, you are lucky because you can easily find good home finance software at little cost. Application programmers have now catered for the high demand for these applications as they now come with all sorts of functions and capabilities that can save your money, time and effort.

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AnalysisYou can now analyze your finances unaided. However, this kind of analysis can be much easier if you have some accounting background. Finance software will analyze your important financial details. Details such as your monthly expenses will stick out. Many personal finance applications also allow personalization. If there is one particular aspect you want to know about your finances, you can simply create a specialized analysis. Many personal finance programs can also give you a monthly analysis-an excellent way to see how you actually spend your money on a monthly basis.Budget creationWe all know the importance of a personal budget. But creating a real budget that you’ll stick to is easier said than done. You can find a personal finance application that creates a realistic budget for you. Simply enter your basic information into the software and quickly create a simple budget.Checkbook balances and bill paymentsSometimes you’ll fail to pay bills on time. When it happens, interest rates are more than likely to shoot up. Fortunately, you can avoid this mistake once and for all. Look for a personal finance application that’ll remind you when to pay your bills. Likewise, you can accomplish balancing your checkbook by just ticking a box. Sum up any amounts withdrawn from your account and check carefully anything that seems suspicious. Once you have everything on record, it becomes much easier to know how your finances are faring.

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Trust yourself and no one elseWhen it comes to finances, it is best to keep track of all you have carefully. You may trust your finances with your financial adviser, but it is still important to know where every cent is at, always. With a personal finance application, your money will never be far away from you. Whether you are paying bills, balancing your checkbook, tracking your paycheck, or creating a personal budget, you should not live without personal finance software.

Numerology’s Life Cycles; defining the patterns of your Life

October 24, 2016

Numerology divides your life into three major stages or cycles. Each of these cycles has a general trend or pattern for that part of your life. Want to know what your life patterns are?Calculating your Life CyclesThe timing of your Life Cycles is tied to your Life Path. Your first Life Cycle runs from birth to your first Turning Point; which is calculated by subtracting your Life Path from 36 (four times nine). Your Second Life Cycle starts at that point and ends 27 years later (3 times 9) when your last Turning point falls. Your third cycle runs from the end of your second life cycle for the rest of your life.Each Life Cycle value is calculated based on your date of Birth. Your first life cycle value is your birth month, reduced by fadic addition; your second cycle value by reducing your day of birth; and your third cycle value by reducing your birth year.For example, actor Johnny Depp was born on June 9th, 1963; so his Life cycles are calculated as follows:Life Path = (06 + 09 + 1963) = (1978) = (1 + 9 + 7 + 8) = (25) = (2 + 5) = (7)Life Cycles:(First Life cycle ends) = (36 – 7) = age 29

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(Second Life Cycle ends) = (29 + 27) = age 56(First Life Cycle – birth to 29) = (Month) = (6)(Second Life Cycle – 29 to 56) = (Day) = (9)(Third Life Cycle – 56 and up) = (Year) = (1963) = (1 + 9 + 6 + 3) = (19) = (10) = (1)The various Life Cycle values and their meanings are shown below:Life Cycle (1)This cycle will call for you to be independent and stand on your own two feet. You will receive many new opportunities during these years. You will have to be decisive, self-reliant, and attend to your own needs. Leadership in some task will fall to you during these years, even if you don’t want it.Life Cycle (2)This cycle will hold many opportunities to work with other people, either in teams, or as part of a large group. You will make many friendships and will be sensitive to other people’s opinions in these years. You will crave companionship and may receive public recognition of some kind.Life Cycle (3)This cycle will be pleasant and will allow your creative work to prosper. It is likely that you’ll waste many opportunities in order to enjoy yourself. Your social life will be the dominate factor in your life. You will often be restless and bored in these years. You also will appear to be very lucky to other people.Life Cycle (4)This cycle will demand a good deal of hard work from you. Mundane matters will need your attention. You will often feel restricted or regimented during these years. You will receive opportunities to lay a strong foundation for success at both your work and home life. You will have to guard against becoming depressed and getting in a rut.Life Cycle (5)This cycle will be full of changes of all kinds. Your interests, your career, your circumstances will all tend to change quickly and drastically. Surprising, often unlooked for, adventures will come upon you, challenging your adaptability. Your communication skills will be very important during these years.Life Cycle (6)This cycle will focus most of your attention upon your domestic life. There will be a constant effort to achieve ‘balance’ in your life during these years. You will often be asked for advice and given many opportunities to be creative. You will be forced to take on many responsibilities.

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Life Cycle (7)There will be a great deal of soul-searching and self-analysis during this cycle. You will crave solitude for your thoughts and will tend to be confused in crowded or noisy environments. You may achieve a great deal of personal growth. Worldly wealth will come to you at its own pace. Opportunities will occur suddenly in these years.Life Cycle (8)This cycle will bring you slow and steady progress in your personal goals, if the needed work is done. You will sow what you reap during these years. Good or bad, you will get your just deserts. You will need to fight against a tendency to be overly ambitions. Goals will be set and tasks will be performed all in good time.Life Cycle (9)This cycle will bring you endless possibilities. These years will be highly emotional for you. You may find it difficult to start new projects. Frequently, sudden or unusual endings of things will occur. The practical side of life will need more of your attention during these years. This cycle will be a good time for creativity, especially in artistic endeavors.

Different Types Of Data Communication Media

August 21, 2016

The process in which data is transferred from one computer to another is known as communication media. Data communication involves transmission of digital of information to different electronic devices through wireless or cabled connections. The two commonly used computer communication media used are bounded and unbounded media.A. Bound MediaData transfer through physical connections is referred to as bounded media in that signals are sent to other external devices from one computer in a network. Computers can be interconnected to share files and devices in a network by means of cabling which facilitates faster communication of information. Bounded media is a faster data communication that provides high speed transfer of signals over long distances and is the most reliable media for message sending.Bounded media is categorized into three types of data communication which enables connection of different types of network. These cables include:

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1. Coaxial cableThis is most common bounded media that is many electronics to transfer data and it is designed with two parallel copper conductors. It has a solid central copper conductor that transmits signal and is coated with a protective cover to reduce electromagnetic interference. Coaxial cable is found in different gauges at affordable prices and is easier to work with. They are easy to install and can support up to 10Mps capacity with medium attenuation. Despite its popularity, the only serious drawback it has is that the entire network is always affected with a single cable failure.2. Twisted pair cableTwisted pair cables are found in two types and these include unshielded and shielded twisted pair cables. It is commonly used because it is lighter and inexpensive. They are made up of twisted solid copper wires which help to reduce vulnerability to EMI and cross talk effects. This type of cables is cheaper and can support up to 100mps speed capacity.3. Fiber opticUnlike other types of cables, fiber optic uses electrical signals for communication and is made up of reflective cladding that prevents loss of light in the glass core. Although it very expensive and hard to install, optic cables can support at least 2gbps and are not vulnerable to EMI interference. It has got also very fast data transmission and very low attenuation compared to other data cables.B. Unbounded mediaThis type of data communication media involves networking of multiple computers through a wireless connection. Creating a wireless connection is much easier since no physical connection is required and can connect multiple computers in a room. Unbounded media uses space or air as the transmission medium for electronic waves. Some of the unbounded media are the satellites, radio, Bluetooth and Wi-Fi among others. Installation of wireless network is much easier and faster compared to the bounded media which require an expert to do the configuration. Through wireless settings, you can also transfer huge files of data to any networked computer since the unbounded media supports very high bandwidths just like the cabled network.

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Generally, in order to transmit data over networked computers, you will have to use either bounded or unbounded types of media. Depending on the type of network you want to create, convenient type of media is required to enable consisted and proper data communication.

How To Make Sure The Toys You Buy Are Safe

September 16, 2016

There are some very strict safety regulations in the United States that attempt to insure the safety of toys that are sold. But even with the strict regulations there are occasions from time to time where unsafe toys make it into the market.As a whole the regulations that are in place to ensure toy safety have been very successful. When compared to the number of toys that are sold on the market each year there have been very few incidents which were caused by unsafe or defective toys. Most accidents are caused by improper usage or common accident such as tripping on them.In the few cases where defective or unsafe toys have actually made it into the market they were recalled fairly quickly. But this is no reason for parents not let their guard down when buying toys.Check The Label: Safety Labels Are A MustThe first thing that should be checked when buying a toy is whether or not is has the appropriate safety labels. The primary label in the United States would be that of the Consumer Product Safety Commission which signifies that the toy meets the minimum safety standards.The next important labels to look for when shopping for toys would be age labels. You should always follow age guidelines, as they are an essential part of toy safety.Most toys have age labels, even if they are not legally required. Any toy that is not suitable for children under 36 months must have a visible label stating so.

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Though, in general most toys give guidance as to what age group they are designed for. These guidelines let you know what age group will benefit the most from the toy, in terms of development, fun, and understanding. Here is a brief guide of different kinds of toys and what age group they are intended for:Under three yearsFor this age group the greatest threat that toys pose is a choking hazard. Most everything a baby or toddler gets their hands on, ends up in their mouth. For this reason, very small toys or toys with small parts are especially unsuitable. Be sure to keep marbles and small balls or buttons out of their reach; be careful with inflatable toys and balloons; and avoid toys with pointy or sharp edges.Three to five yearsChildren of this age are full of discovery and are capable of playing with more sophisticated toys. However, you should still be cautious as certain toys could still pose a risk to them. Avoid toys made with thin plastic that might break and cause injury and still watch for small parts that they may still be tempted to put in their mouth.Six to twelve yearsBy this age children will be able to safely play with almost any toy they are given. However, always read hazard warnings and instruction pamphlets for maintenance guides. For example, if you buy a trampoline you will need to carry out maintenance on it on a regular basis. If you buy a bike or skateboard for your child, you should also buy appropriate protective equipment. Always make sure you get the right size ride on toy for your child, so he/she can handle and enjoy what he/she is given.Things can get a little complicated when you have children of varying ages. When you have lots of different toys that are suitable for varying ages you have to stay vigilant. For starters, you should teach older children to keep their toys out of reach of younger children, especially when they contain small parts and/or are breakable. It is also best if you do not put different age appropriate toys into one toy bin. Have a separate box for each child and make sure they do not swap out toys. To help keep organized, you should follow and separate based on the age labels on the toys.In general it is a good idea to be organized and keep toys in order. Having toys lying around the house is a common cause of accidents. If you have children of varying ages, this can be dangerous and allow smaller children to get to toys not intended for their age group. Keep in mind that children are intended to play with the toys, but all maintenance, such as changing of batteries should be carried out by an adult.

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Toy safety labels offer an important safeguard against dangerous toys reaching our children, but it is just as important to use your own common sense. Before purchasing a toy, examine it thoroughly yourself to make sure that it is sturdy and well constructed. Check for any sharp edges or pointy corners, especially when buying toys for younger children. For example, if you are buying a stuffed animal make sure all stitching is secure and small items like the eyes or nose will not come off easily.If your child has an accident with a toy or you suspect a toy is potentially harmful, you should take immediate action. The first step is to take the toy out of the reach of all children. Once the child is cared for and the immediate danger has passed, you should report the toy to the appropriate authorities. You will need to keep the toy safe for examination and you should also try to provide details of where and when you bought the toy. It is important to regularly check online for toy recalls. This way you can remove a potentially dangerous toy before any incident occurs.