Reasons Of Low Self Esteem Review – What Are The Reasons For Low Self Esteem?

Self-esteem plays a role in almost everything you do. People with high self-esteem do better in school and find it easier to make friends. Self-esteem is certainly not a static characteristic. Rather, it is extremely dynamic, even changing from day to day during adolescence. Self Esteem can best be compared to a powerful battery. When the battery is fully charged, the individual feels confident and raring to go; when the battery is run down the individual feels lack of confidence in self.

Feelings of inadequacy, self doubt and a reduced confidence in your abilities. In other words failure makes you feel bad, and as you already know, things that make you feel bad can lower your self esteem.

Low self-esteem may be triggered by being treated poorly by someone else recently or in the past, or by a person’s own judgments of him or herself. However, low self-esteem is a constant companion for too many people, especially those who experience depression, anxiety, phobias, psychosis, delusional thinking, or who have an illness or a disability. Feeling good about yourself will enable you to be relaxed, positive and creative and more able to take control of all aspects of your life.

Failures and disappointments can result to low self-esteem. When your goals and objectives are not met, chances are you get frustrated and you become negative about your capabilities. Failure just means you are not successful YET. Everybody fails before succeeding; do not look on it as failure but as a means to learning.

Negative self-esteem can create anxiety, stress, loneliness, depression and problems with relationships seriously impair academic and job performance and also can generate an increased vulnerability to drug and alcohol abuse and dependency. On the other hand, a person with positive self-esteem tends to be more motivated in taking on and creating a life that he loves, living it powerfully and in this process be authentically related to others in his community. Negative beliefs do not stop us from wanting or desiring something. Overcome your negative beliefs by making a list of those items you „actively“ desire and that you still have not been able to create. Negative belief: I am a bad person. You search your past and you find an instance were you helped somebody successfully.

Negative thoughts can permeate your confidence and disintegrate your self esteem. Try to best remedy the problem, if you find yourself surrounded by negative people or in a negative situation.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Sudath Priyantha

Car DVD Player GPS navigation Map : IGO GPS MAP

iGO is a GPS navigation software, familiar to those who use mobile GPS function or Car DVD gps function,it is packaged for PDA/PNA devices, Car DVD player and mobile devices, such as mobile phones, Bluetooth® headsets, smartphones/PDAs and so on. Designed by Hungary-based Nav N Go Kft. Nav N Go iGO is a popular choice for a number of PNA OEM manufacturers. Products based on the company’s navigation software are available worldwide in several leading brands like Clarion, Blaupunkt, Sony, Hewlett-Packard, Nextar, Asus, etc.

iGO My way 2006 is a GPS navigation software package for PDA/PNA devices, introduced in year 2005 at CEBIT, Hannover.

Nav N Go iGO 8 is a newer version of the software, released in April 2008. It offers high-definition 3D navigation maps of terrain,  road elevation, landmarks and 3D buildings, using its unique visualization engine.

iGO amigo was launched at CeBIT 2009, Hanover. It is currently available as built-in navigation software of several PND brands, such as Nextar (in the US) and Navon (in Europe)., Nav N Go’s map and content update portal, provides updates for iGO My way 8 and iGO amigo based navigation software and releases map updates typically four times a year. Currently maps and updates are available for over 80 countries and regions, including European, North and South American, African, Middle East, Asian and Oceanian countries.

Go!Explore is the PlayStation Portable version of Navigation N Go iGO 8.

iGO My Way 2009 is the latest version of the software; North America, Western Europe and full Europe versions are currently available. It was first released for iPhone 3G, working under iPhone OS The purchase from Apple App Store includes free map updates until the end of 2010. The iPhone software version 1.0.0 is proven to suffer from several bugs, and the company has promised a bug fix and several new features in their first update. The version for Android OS has been released in December 2009, and version for Windows Mobile is currently in also avaiable.

The version for Windows Mobile has great function such as stunning 3D visualization, Lane guidance and realistic signposts, supports precise voice guidance in numerous languages, Optimized in-car use

We have Nav N Go iGO 8 version map, and we provide IGO map to our customers for free, on condition that you buy a car DVD play with GPS navigation. The map is stored in SD card,2 GB, and you can buy the SD card at about 10 USD, and get the map for free.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by joyceli

Get Free Government Money and Do not Pay it Back

There is currently an abundance of free government money available to a majority of the American population. This is primarily due to lack of general public awareness about free government grant programs that are made available each year to taxpaying citizens.

There is also a concern that many average citizens are not completely aware of the fact that grants are not loans and never require any type of repayment. Far too many people are under the false impression that government grants are loans that are only attainable by those who fall into the lower income brackets and still require payment, just at a reduced interest rate. This is in fact a myth.

While government loans are repayable with extended loan payment terms, and greatly reduced interest rates, government grants are no such thing. They, in fact, are actually cash gifts awarded by United States government to assist American taxpayers in a various number of financial dilemmas and opportunities.

By following the links below you can begin searching the national grant database to find the hundreds of free government grant programs that you may be eligible to qualify for, but in the meantime here are a few of the most commonly known and applied for free government money programs ….

Women's business grants – Women of all ages, professions, cultures, and heritages are quite often awarded large sums of free start up funding to establish new independently and female owned businesses.

Single Parents Grants – These grants can help the single parent in a number of beneficial ways to help ease the burdens of single parenting. There are grants that cover day care and after school programs, tuition and school supply costs, uniforms, sports activities, and much, much more that can benefit a single parented home.

Grants for Real Estate – There are several free grant programs that can greatly help in financing newly purchased properties. Renters can get first time home buyers grants, there are real estate grants for career investors, and different home grants for different home owner's needs. You can often custom design them to suit your specific needs.

Personal Debt Grants – For those who are facing extreme and exorbitant personal debt, debt grants may be obtained to pay of all past due balances on outstanding personal accounts (even credit cards) to achieve a new and improved credit history report.

No matter what your personal financial needs are, it is likely that there is some free unclaimed government money that can be yours in a very short time. Find out today.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Sarah Beckham

Global Strategy Framework- an Illustration of Tata Steels

Global Strategy Framework- An illustration of Tata Steel.

Introduction: Most managers have to face the increasing globalisation of markets and competition.  That fact requires each company to decide whether it must become a worldwide competitor to survive. While deciding to go for globalization, the managers face two challenges. .  First, they need to figure out what a global strategy is. Then, when they know what to do, they have to get their organisations to make it happen. Developing a global strategy is complicated by the fact that there are at least five major dimensions of globalisation such as playing big in major markets, standardizing the core product, concentrating value- adding activities in a few countries, adopting uniform market positioning and marketing mix and integrating competitive strategy across countries.

Global strategy framework given by George.S. Yip, Pierre .M. Loewe and Michael .Y. Yoshino helps the manager to decide whether it should globalise a particular business and what sort of global strategy should it pursue.  The global strategy framework/audit involves seven steps as shown in chart-1.(shown at the end)

1.      Identify Strategic business unit to audit: This step involves identifying the particular business unit for which the company is planning for globalisation.

2.      Evaluate industry potential for globalisation: Managers should look first to the business’s industry. An industry’s potential for globalisation is driven by market, economic, environmental and competitive factors (see Chart 2 at the end of the paper) Market forces determine the customers‘ receptivity to a global product; economic factors determine whether pursuing a global strategy can provide a cost advantage; environmental factors show whether the necessary supporting infrastructure is there; and competitive factors pro­vide a spur to action.

                                  Market factors like homogeneous market needs, global customers, shortening product life cycle, transferable brands and advertising and internationalising distribution channel determine the potential for global strategy. Factors like economies of scale in manufacturing and distribution, steep learning curve, significant differences in country costs determine the potential for global strategy from economic point of view. Environmental factors like falling transportation costs, govt policies and technology changes push for global strategy in some industries. Competitive interdependence among countries and global moves of competitors also affect the potential of an industry for global strategy.

3.  Evaluate current extent of globalization: The current extent of globalization of SBU under study is evaluated from five dimensions such as market participation, product standardization, activity concentration, marketing uniformity and integration of competitive moves.

                              Playing big in major markets – ­countries that account for a sizeable share of worldwide volume or where changes in technology or consumer tastes are most likely to start – brings benefits such as, larger volume over which to amortise development efforts and investments in fixed assets, ability to manage countries as one portfolio, including being able to exploit differences in position along the product life cycle, learning from each country, and being at the cutting edge of the product category by participating in the one or two major countries that lead development.

                                The core product can be standardized while customizing more superficial aspects of the offering. This will help the firm to enjoy the economies of scale relating to production.

                               Instead of repeating every activity in each country, a pure global strat­egy provides for concentration of activities in just a few countries. For example. fundamental research is conducted in just one country, com­mercial development in two or three countries, manufacturing in a few countries, and core marketing pro­grams developed at regional centres, while selling and customer service take place in every country in the network. The benefits include gaining economies of scale and lever­aging the special skills or strengths of particular countries.

                               The more uniform the market positioning and marketing mix, the more the company can save in the cost of developing marketing strat­egies and programs. Again it is easy to manage one or two brand than having several brand names.

                                 Instead of making competitive de­cisions in a country without regard to what is happening in other coun­tries, a global competitor can take an integrated approach. Another benefit of integrating competitive strategy is the ability of a company to cross-subsidise. This in­volves utilising cash generated in a profitable, high-market-share country to invest aggressively in a strategically important but low-market-share coun­try.

4. Identify strategic need for change in the extent of globalisation:  From the previous analysis, a firm’s extent of globalisation is compared with the industry potential. In case the firm’s extent of globalisation is less than industry potential, there is a need for global strategy for that firm. Then the next issue would be to check whether the firm has the internal ability to implement such global strategy.

5. Evaluate organisational factors:  Organisational factors can support or undercut a business’s attempt to globalise. Therefore, taking a close look at how the organisation will affect the relative difficulty of globalisation is essential. Four factors affect the ability of an organisation to develop and implement global strategy: organisation structure, man­agement processes, people and cul­ture (see chart 3 at the end of this paper)


 a) Organisational structure:

·          Centralisation of global authority: One of the most effective ways to develop and implement a global strategy is to centralise authority, so all units of the business around the world report to a common sector head. In a company pursuing a global strategy, the business focus should dominate the coun­try focus.

·         Domestic/ International split: A common structural barrier to global strategy is an organisational split between domestic and international divisions. The international division oversees a group of highly autonomous country subsidiaries, each of which manages several distinct businesses. A global strategy for any one of these businesses can then be coordinated only at the CEO level.

         b) Management processes: The appro­priate processes can even substitute to some        extent for the appropriate structure..

·         Cross Country coordination: Pro­viding cross-country co-ordination is a       common way to make up for the lack of a direct report­ing structure.

·         Global Planning: Too often stra­tegic plans are developed sep­arately for each country and are not aggregated globally for each business across all coun­tries. This makes it difficult to understand the business’s com­petitive position worldwide and to develop an integrated strategy against competitors who plan on a global basis.

·         Global budgeting:  Similarly, coun­try budgets need to be consol­idated into a global total for each product line to aid the allocation of resources across product lines.

·         Global performance review and compensation: Rewards, especially bonuses, need to be set in a way that reinforces the com­pany’s global objectives.

·         International groups and forums: Holding international forums al­lows exchange of information and building of relationships across countries. This in turn makes it easier for country na­tionals to gain an understanding of whether the differences they perceive between their home country and others are real or imagined. It also facilitates the development of common products and the co-ordination of marketing approaches.

  c) People: Being truly global also involves using people in a different way from that of a multinational firm.

·         Use foreign nationals: High-po­tential foreign nationals need to gain experience not only in their home country, but also at head­quarters and in other countries. This practice has three benefits: broadening the pool of talent available for executive positions; demonstrating the commitment of top management to internationalisation; and giving talented individuals an irreplaceable de­velopment opportunity.

·         State global intentions: The se­nior management of a company that wants to go global needs to constantly restate that inten­tion and to act accordingly.

     d) Culture: Culture is the most visible aspect of organisation. If the company lacks global identity and has strong national identity, then it will face difficulty in designing global products and programmes.  A high level of autonomy for local business can also be a barrier to globalisation.

6.  Identify organisational ability to implement globalisation:  From the internal or organisational factor analysis, the firms ability to implement global strategy has to be identified.

7. Diagnose scope and direction of required strategy and organisational changes:  From the above analysis, it will be clear whether the firm can implement global strategy or not? What are the changes required in the organisation to implement global strategy?


 Illustration of Tata steels global strategy with the use of global strategy framework:

1. Identify business unit: Amongst the various SBU of Tata groups, I have selected Tata steel company (with special reference to their take over of Corus) as the SBU for the study of global strategy framework.

2. Evaluate Industry potential for globalization:  Market factors pushed for globalization. The market needs for steel was homogeneous and they had global customers. Because of homogeneity of needs, the brands and advertising were transferable.                                                                                                                                                                         

                             Economic factors were also favourable for globalization. Because of standardization of core products, the company was able to enjoy economies of scale in manufacturing. Since the company is ninety nine years old, they also enjoy the benefit of steep learning curve. Again, the raw material cost in U.K. is high. This can be offset by sourcing from India, where raw materials are comparatively cheaper.

                              Environmental factors increased the potential for global strategy. Since Corus had good sales network at various countries, the transportation costs of Tata steel will be reduced. Again, government policies like easing foreign currency restrictions both in UK and India were favourable for global strategy.

                                   Global moves of competitor i.e. Mittal acquiring Arcelor also forced the Tata steel to go for global strategy.

3. Evaluate current extent of globalization: The current extent of globalization is measured under 5 dimensions.

·    Market participation: Tata steel has sales in various countries like USA, Srilanka, Nepal, Shanghai etc but it lacked global identity or image.

·    Product standardization: The basic product was standardized throughout the world. At final stages the product was customized as per the requirements.

·    Activity concentration: Tata steels technological and integration, finance, strategy etc were concentrated only in India whereas the manufacturing activities were dispersed in India, USA, UK, Thailand, Vietnam, Malaysia etc. Trading was done in Bangladesh, Srilanka, Nepal, South Africa, Hong Kong, etc.

·    Marketing uniformity: The market positioning and marketing mix strategy were uniform throughout the world.

·    Integration of competitive moves: Tata steel has taken an integrated approach to global competitors. They have tough competition with Mittal steels in almost all countries.

3. Identify strategic need for change in the extent of globalization: From the previous analysis, Tata steel concluded that its extent of globalization was significantly lower than the industry potential and lower than its competitor’s global strategy. The Mittal Arcelor is ranked number one in steel industry in the world whereas the Tata steel ranked fifty sixth (before acquiring Corus). Furthermore, the industry potential for Tata steel had a strong need to develop a more global strategy. The next issue was whether Tata steel would be able to implement such a strategy.

5. Evaluate organisational / internal factors: To internal ability of Tata steel to implement global strategy is tested under the following factors:

·    Structure: The head quarter of Tata steel was located in India. The five main functions such as technological and integration, finance, strategy, corporate relation and communication and global minerals were centralized. While the production, selling and distribution was decentralized and the divisions heads were given autonomy to take decisions.

·    Management processes: The management processes were favourable for global strategy. Since the strategy and corporate communication was centralized, there was well cross- border co-ordination.

·    People: There were no foreign nationals working in India either at corporate or divisional levels. There were many foreign nationals overseas, but these were mostly in their home countries and there was little movement between international and domestic jobs. But the leader Ratan Tata, through his action and statements had a global approach.

·    Culture: Tata steel had a strong Indian national identity than a global identity. But some SBU of Tata group like Tetley Tea, Taj group of Hotels had created global identity.

6. Identify organizational ability to implement globalization: Tata steel had the ability to implement globalization because of its rich experience of 99 years of running a business successfully in India. Hence it had the ability to acquire big steel company like Corus.

7. Diagnose scope and direction of required changes: The most important change, the Tata steel has to do is to encourage the transfer of people between nations. According to IISI data, the average hourly rate of pay in UK steel was 6 times that of Brazil and 10 times that of India. So by movement of people, the company can reduce the cost and strengthen its competitive advantage of low cost leadership.

                                Tata groups in foreign countries should blend into the adopted corporate culture. For better brand visibility, more Tata companies will have to go abroad and learn to flourish abroad.

Conclusion:  The global strategy framework provides a relatively simple and quick way to get answers to some of the most complicated questions facing corporate management today. It also greatly facilitates the undertaking of the strategy development phase that follows, because it has identified the major thrusts that are needed. Furthermore, it has the potential for avoiding major errors such as a move towards globalization when none is warranted. Finally it sensitizes the organization to the issues and to the commitments needed if it really decides to compete globally.



  1. George .S.Yip, Pierre.M. Loewe, Michael .Y.Yoshino, „How to take your company to global market“, Columbia journal of world business, 1988.
  2. Pocha Jehangir, „Tatas Titan“, Business world, Jan 14th 2008.
  3. Singh Piya, „Eyes on the World“, Business world, Jan 14th 2008.


Immobilienmakler Heidelberg

Makler Heidelberg

Source by Shilpa Kamath

Allen Bradley Compactlogix Plc Range

The Allen Bradley CompactLogix controllers use the same programming and program organisation as the ControlLogix systems but utilise Allen Bradley 1769 MicroLogix 1500 system I/O and communications options. Their memory space is smaller than the ControlLogix systems but it is more than adequate for medium sized PLC applications.

The Rockwell CompactLogix controllers provide a solution for smaller, machine-level control applications, requiring a low-cost, modular solution. The CompactLogix system is also configured and programmed with RSLogix 5000.

Allen Bradley CompactLogix PLC systems use the same Logix control engine as the rest of the Logix series controllers. This means CompactLogix supports the Logix instruction set, task configuration and data tags.

The multi-tasking operating system supports 4, 6, or 8 configurable tasks (depending on the processor) that can be prioritized for executing the program code according to the application. Tasks can contain up to 32 programs, each containing separate routines.

Symbolic addressing using tags is used to identify data by its use in the application, independent of the hardware. You can create libraries of standard routines that can be re-used on multiple machines or applications.

The Allen Bradley CompactLogix PLC system also provides you with peer-to-peer communications to other devices via the following communication interface devices, DH-485, DeviceNet, Controlnetm and Ethernet

All CompactLogix controllers provide you with the following features and functionality:

3-position key switch.

Battery backed memory.

Channel 0 default RS232 communication.

Built-in RS-232 port.

Diagnostic LED’s.

Integrated Compact/1769 Bus.

All of the processors in the range have these functions other processors have an extra serial port, Ethernet port or ControlNet port.

All the Allen Bradley CompactLogix PLC processors have RUN-REM-PROG Key switch has the following functionality.RUN – PLC in RUN mode no edits possible. REM – PLC in remote mode control of the processor and remote programming available using RSLogix 5000. PROG – PLC in STOP or Program mode, program changes can be downloaded.

Allen Bradley CompactLogix Local I/O allows one additional bank of I/O modules can be added to a CompactLogix system. The first bank includes the CompactLogix controller in the far left position. Each bank requires its own power supply and the controller must be within four slot positions of the power supply. A maximum of one controller may be used in a CompactLogix system.

The system above has a main bank consisting of a processor, 2 I/O cards, a power supply and 2 more I/O cards. The second bank also has 2 I/O cards, a power supply and 2 more I/O cards.

Allen Bradley CompactLogix Remote I/O is achieved in the same way as the ControlLogix system it can be connected to a CompactLogix system only using an Ethernet port on the Processor, or a ControlNet port on the processor. A DeviceNet scanner module is also available for any of the CompactLogix controllers.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Gary

How To Borrow Money Against A Shared Inheritance

An heir may have to wait months and even years in order to get their inheritance distributions. This is because of the length of the legal process involved. So, an heir is allowed, by means of cash advances or loans, to receive funds in a matter of days. It has no effect on the other heirs of the estate. A portion of the estate is assigned by the cash advance company, in exchange for the loan. Here is how you can get an advance on your inheritance.

• You need to first determine whether you have the eligibility for an inheritance cash advance or not. Advances are only typically received by the heirs from probate assets. Probate assets are bank accounts, insurance policies, real estate, company interests and other assets that were only owned by the decedent. Non-probate assets include trust, retirement accounts or any accounts that are jointly held with another person.

• You need to first determine what amount of money you want to lend from your shared inheritance. The usual range of inheritance loans and advances are from $5000 to $250000. Select an amount of loan that is less than the inheritance you expect. The amount of the loan is capped by some lenders at a certain percentage of your total expected inheritance.

• Contact a company that has a specialization in inheritance advances. Money can only be borrowed by the inheritors from their inheritance after the beginning of the probate process by the inheritors. Do not forget to ask the inheritance company that for an inheritance advances what fees will they charge. The fees vary depending on companies. Fees usually depend on the amount of the advance, the complexity of the estate and the amount of time until the estate closes.

• A cash advance has to be arranged by you from the lender. Funds can generally be distributed by the companies from advances and loans within a few days of business of the transaction. If sufficient funds are not present to pay the loan, ask the company about its consequences. The heir usually does not have personal liability for insufficient estate funds because the heir is assigned an interest to the company.

• Return the money back to the inheritance cash advance company as early as possible. When the estate closes, executor automatically pays the money to the inheritance cash advance companies as part of the transaction. However, discounts and rebates are offered by some companies for heirs that pay back the loan early.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Rajesh B Sanghvi

Uses of Cash Books in Accounting

So what are cashbooks used for? Cash books in accounting are used to record both cash transactions received by the business and cash paid out by the business.A cash book has two sides; The debit side and the credit side. Each side of the cash book in accounting has columns for; -Date
-Particular; where you record the products.
-Bank; This is where you record payments made by cheques and receipt of cheques.
-Cash; This is the column where you should record cash received and cash paid out.

Debit side; This is used to record any cash received after which it is posted in the cash column in the cash book. For example if you made sales on a cash basis of goods worth 80,000$, then this will be recorded on the debit side on the cash book. The debit side is also used to record cheques received by the business i.e if a customer pays for goods by cheque worth 120,000$, then this is
recorded on the debit side on the bank column.

Credit side; The credit side is used to record cash and cheques paid for by the business. For example if your fuel costs about 100$ and is used up in a day, then it will be credited or written on the credit side of the cash book.However if the supplies are paid for using a cheque worth 200,000$ then it is recorded on the Bank column of the credit side of the cash book. So what is the importance of a cashbook in accounting anyway? You may ask. Well, a cash book;
1. A cash book helps the business in capturing all the payment and receipt for a particular month or duration.
2. A cash book is used to reconcile Bank statements.
3. A cash book can be used as a reference in accounting during auditing hence it gives evidence that goes a long way in directing the auditors while they are going through your books of account.

Empower yourself with information to make yourself rich on the Internet by reading more of his articles at

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Babji Isaac

Stop Bad Financial Habits And Choose A Fresh Start

People are often influenced to give unsolicited advice to others about the easiest way to manage finances. Even though of the will make sense, the majority of these are very generic in general. You must exercise caution when you assemble a monetary strategy out from this information, though it’s important to create a precise and consistent plan.

Nevertheless, you happen to be still left together with the unanswered question. How would you prevent the decline of funds on stuff that are of no use, and yet approach managing your individual finances?

The Situation: A lot of people, including you, don’t fully understand how important it is to save cash with regard to their future. Figure out how to save first then spend, not the other way around. While this is superior to no savings in any way, it is definitely not the correct way to build an excellent savings plan.

Steps To Managing Your Individual Finances Well.

Listed here are some important tips that you can consider if you wish to reduce costs for the future. These techniques have helped a lot of people be successful at taking better proper care of their finances.

Put 20% Of The Earnings Into Savings

In case you are to be successful in the foreseeable future, carry out the opposite of just what the average person does. As opposed to saving whatever remains, save first and spend afterward. Even if you are expecting a reduced check than normal, be sure to save 20% out from each and every single check that you receive. Make sure to deposit this money once you receive money. You will have learned a vital lesson, and saving the amount of money than enables you to work your way down taking good care of everything, bills first.

Saving money assists you to create a healthy financial habit that will help you to budget your money efficiently for the rest of your way of life. You could possibly feel much less stressed about finances when you know that you have an urgent situation fund available.

Don’t Complicate Matters

It is obvious the iPhone 7 is great. Your buddies and colleagues have purchased it,but the iPhone 6 plus is one that you simply bought a few time ago. While many of these new gadgets are fun and exciting to have, you undoubtedly don’t need a new phone unless your old phone is dying. You must never buy it unless you really want an iPhone 7.

Can that new phone do something that your particular old model can’t do? It is essential to sometimes treat yourself with luxuries, just make sure this really is something great rather than some of those undesirable habits one does repeatedly. Additional money is the best money to pay, not the 20% you will be saving.

Cash Over Credit

Maybe you are from the opinion the charge cards in your wallet should be used, not hidden away. Often we start off with good intentions buying only small things likely to pay them off at the conclusion of every month. $50 here or $25 there can’t hurt, and you can always pay it off following the month. That brand of thinking gets people in trouble quickly, plus they rack up a pile of debt.

Using cash whenever you can will help you to curb this tendency. Don’t make use of credit card unless it’s a crisis situation. Alternatively, it is possible to change it out having a debit card, and that is a significantly better option!

Keep in mind that becoming a rock star at personal finance doesn’t have to be hard. It requires breaking undesirable habits and creating new, healthier ones.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Donna Gain

Use Lotus Notes Recovery Software when no other methods like compaction works for you

Compacting is needed when your database is exceeding its set size limitation. Basically, compacting means to remove the space that is allocated but unused. After compacting your database, you will find that your database is working more efficiently. Compacting a database, will make the unused space useful for you. When you perform deletion of the documents and attachments, the space that is left behind after compacting the database becomes useful. But many times, compacting the database does not help you sort out the issue. To overcome issues related to Lotus Notes application, you have to opt for a third party Lotus Notes Recovery tool to Recover Lotus Notes.

To illustrate the above issue, suppose you make an attempt to open a database locally with the help of a Lotus Notes application, the following error message appears on the screen that looks as given below:

„Database (.nsf) has grown too large; use File New Replica to recreate your file with larger capacity.“

Above error message bothers you every time you try to open a database and make an attempt to make a new copy or a new replica of the database.


The main cause for the occurrence of the above error message is that your Notes database has reached its size limit.


To resolve above error message, and to perform Lotus Notes Recovery, you need to compact the database. Compacting the database will help you to a great extent in solving the issue. For compacting the database, you have to right click on it, select a database, choose properties. In its second tab, select the option to compact.

If the above mentioned steps help you to sort out the issue, then it is fine. Otherwise, you will need to make use of a third party Lotus Notes Repair softwares. These tools Recover Lotus Notes database and all the data of the Lotus Notes mail components, such as contacts, attachments, appointments, To-do lists, calendar-entries, and more. There are many softwares available in the market which perform NSF File Recovery with great ease. Stellar Phoenix Lotus Notes Recovery v2.0 is one software.

Stellar Phoenix Lotus Notes Recovery v2.0 is a proficient tool that is used to repair & recover Lotus Notes database and other mail objects. The tool performs recovery of attachments, Java applets, OLE objects, and more. The repaired NSF file is stored in a location that can be easily detected by the host operating system. The tool is compatible with Windows 7, Vista, Server 2003, XP, 2000, and NT (SP6).

Immobilienmakler Heidelberg

Makler Heidelberg


Flux Family Secrets: The Ripple Effect Game Review

Flux Family Secrets: The Ripple Effect is a hidden object game that experiments a little with the genre. In this game, you will find hidden objects, puzzles, adventure and even a few history lessons! In Flux Family Secrets, you play the role of someone who does not know their past and are actively seeking it out. A mysterious family contacts you and sends you on an adventure of a lifetime. Using a time travel device, you get to go back in time and solve historical puzzles.

The story begins with the mysterious Flux family welcoming you into their home and presenting you with a few puzzles to prove your worth. You then discover that the family has a time travel device that they use to repair damage caused by time Ripples. You then get involved helping them realign history, going back in time and solving puzzles and obtaining artifacts in the various categories such as art, music and flight.

The gameplay in Flux Family Secrets is refreshing as well. Rather than searching each scene for a shopping list of hidden objects, everything you search for in this game has a purpose. You are required to find parts of items that have been broken up into a few pieces. Once the items are assembled, you will need to either place them back into the scene where they belong, or get them to interact with some other object in the scene to progress or activate a puzzle.

The puzzles in the game are plentiful and well spread-out throughout the game so that you don’t get bored with constantly looking for hidden objects. The puzzles aren’t too complex, but there are many of them and they are pretty well thought out. You get to solve cryptex puzzles, safe-cracking, arrangement puzzles and even a couple of arcade-style minigames.

When you get to the time travel bits of the game, you will find that the hidden objects and puzzles aren’t very straight-forward at all. In every „category“ that you go back to fix (such as Art or Music), you will be presented with 3 scenes featuring 3 masters in their craft. The objects and puzzles in the 3 scenes are interconnected. You will need to solve puzzles in one scene in order to unlock puzzles and objects in a different scene. This adds a new dimension to the game, requiring you to keep hopping between scenes.

The game also adds a nice „history lesson“ angle that makes it educational as well. The game will give you a brief description of Da Vinci and the Mona Lisa when you encounter them in the Art scenario. Similarly, you will learn more about the origin of flight and the Wright brothers when you encounter that scene in the Flight scenario.

The graphics and music are above average in this game. The art style and soundtrack are different for each scene and reflect the styles prevalent in those historical periods. In all, Flux Family Secrets is a game that tries to blend in features from the hidden object, puzzle, adventure and mystery genres and succeeds at doing so.

Rating: 4.0/5.0

You can read more about Flux Family Secrets: The Ripple Effect at

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Steven H. Ng