Home Improvement: To Build Your Very Own Comfort Zone

Home is your sanctuary. The place you go back to every night and somehow it doesn’t seem right. Your home is an expression of who you are and if you walk out each of a place that you does not seem to belong to you then probably your home needs improvement. You are probably guessing how you are going to make the payments for your home improvement. Your home remodeling plans are no longer to be restricted to the thought stages. Let them see the light of day. Home improvement loans will provide you with a dependable groundwork to build on the home you have a vision of.

Home improvement is predominantly triggered by the desire to own a comfortable home. Home improvement can be slightly difficult, if your financial position is tight. This is where home improvement loans have a function to perform. Being a homeowner you could not have been in a better position to apply for a home improvement loan. Home improvement loans are functional for any kind of improvement or home extension. Home improvement loan is available for double glazing, new conservatory, heating system, new kitchen, rewiring and plumbing or any home remodeling that you can think of. The cost of home improvements is generally paid by savings or revolving credits like credit or store cards. Credit cards imply no borrowing. In many ways it is idyllic for there are no repayments to be made. But credit cards can be an expensive option especially if the borrowing extends beyond the credit limit. Store card interest rates are as high as 30%. In every circumstance a personal loan for home improvement is a more disciplined and cheaper option.

Home improvement plans can be funded by means of a secured loan, unsecured loan, remortgaging or taking further advance on your mortgage. Unsecured home improvement offers a typical flat rate of interest 12-14%. But a little bit of research will get you an unsecured home improvement loan for 10%. A secured home improvement loan indisputably attracts lower rate of interest. APR of a secured loan is around 7%. You can borrow anything from £ 5,000 to £ 75,000 for home improvement. The repayment term can be extended from 5 years to 25 years depending on the loan amount, your available income and the amount of equity in the property.

In the contemporary context, one of the ingenious thing one can do with a home’s equity is to put it right back into the home. Home improvement is besides providing you with the much needed changes, increases the equity of your home. There has been a rise in home improvement loans in the past decade. If the property cannot be sold then home improvement is the answer. Home improvement is remarkable if your primary motive is to raise large amounts. But not every home improvement will improve the resale value of your home. So it is recommended that you stick to those home improvement plans that give you the maximum returns. It is important to remember that over enthusiasm with improvement won’t lead to any gain. It is difficult to recover investment in a home that is already more valuable than those in the neighbourhood. And keep your whimsical tastes to respite for there might not be many mainstream homebuyers for them.
Home improvement loan might seem like an unreal thing for many homeowners. But the newer more sophisticated home improvement loan options are very easy to adjust to. They are designed to keeping in mind the conditions and status of every homeowner. The ever expanding mortgage market gives you an opportunity to apply for a mortgage for home improvements and that too in the most uncomplicated manner. More and more homeowners are administering for remortgage to raise capital for home improvements. By completely remortgaging the consolidated loan, the entire mortgage market is assailable to the loan borrower. If you care enough to shop around then you can find a very reasonable and cheap mortgage loan for home improvement.

Home improvement loans are a package that includes any kind of meliorations that you can think of. It is your home and you have every right to improve it the way you want to. Contrary to accepted conviction home improvements are vital and absolutely necessary. Why home improvement? If that is what people ask when you suggest it then they probably don’t know what is the meaning of comfortable living is. Home improvements improve the quality of life. We work hard and save money to buy personal satisfaction and comfort. If the house that we have build does not provide the relief then perhaps home improvement is what you need.

Posted in Uncategorized | Comments Off

Challenges in Education in Today’s Society – Globalization and Changes in Education

Recent investigations in the study of demographic trends at global level are currently making light on a very controversial aspect, although ignored by global institutions, like O.N.U., U.N.D.P., G 20, same by organizations with attributions in the educational field (as UNESCO, Youth International Authorities and other). The so-called “demographic winter” phenomenon, which reveals the dramatic consequences of the “modern” life, marked by familial and moral decline, by miscarriage, vulgarization and the homosexuality “normalization”, by the poisoning influence of the majority of mass-media and the “Hollywood culture” are inoculating egocentrism, frivolity and irresponsibility. Considering this demographic trend offers a new dimension to the way in which abundance and resource of the world are distributed and also gives a new vision on elementary educational issues.

The globalization of education is reflecting itself in the extension and unification of educational practices, used by all those public or private entities, involved as active social educators. Over time, the public education systems in developed or emerging countries, which promote formal education, are illustrating with consistency the practice of a classical education system. In the field of non-formal education there are used more innovating and diverse methods of education, but unfortunately few of this are oriented upon individual behaviour reshaping in the global context, and they are looking only to proliferate consumerist habits, by preparing youngsters for a successful professional career start. The presence of NGO’s with international coverage and professional training companies has fixed the currently understood “development in education” in comfortable limits. This makes room for a reshape of educational fundamentals and, more obvious, for the ultimate purpose of learning.

Most people think that education should equip them with the proper exploitation instruments so that they can forever trample over the masses. Still other thinks that education should furnish them with noble ends rather than means to an end. The function of education, therefore, is to teach one to think intensively and to think critically. But education which stops with efficiency may prove the greatest menace to society. The most dangerous criminal may be the man gifted with reason, but with no morals.

Socially speacking, the technological revolution, the broaden access to information and the modern lifestyle facilities have made possible the appearance of an irreversible phenomenon in the conflict between generations. In our present times, the children, “sons of globalization” have access to multiple sources of information, with the internet being most of the time an instrument of self-education. The balance is leaning in the favour of the power of informed youth, who become “the teachers”, explaining the new world order to the eldest. This theory takes into consideration the acceleration of technology and the way of our lifestyle, but, beyond its observational character, it does not bring up the discussion on the relevance of educational systems, visible outmoded, which attempts to destroy the moral and statutory principles. The wisdom is transmitted from the old generation to the youth, and not backward.

Therefore we are raising the question regarding the way organisms responsible for educational issues should reconsider the basic fundamentals of this basic activity, which clearly has guided the evolution of our world so far. It isn’t enough for organizations like U.N.E.S.C.O or U.N.D.P. to confront the absence of primary education and the discrimination regarding access to education in underdeveloped countries, to avoid resettling the educational needs inside an inappropriate system. It is necessary to deal with these aspects in proper time, because we consider education the key-element which can slow down the process of planet and people self destruction.

The proposal regarding fundamentals reshaping and reviewing the individual education, approached in all stages and cycles of life, starts with the assumption that “Man has to be educated to act responsible towards the environment and civilization, and not interfere in the harmony and balanced world development with his behaviour”. This observation, not exactly recent, triggered a chain of initiatives in the educational system in countries like France, Italy, Germany, including Romania, but I consider that implementing a discipline of Civic Education, in the gymnasium module is not enough, neither convincing.

We feel that the new fundamentals and principals of education, which must be known, understood and applied by every teacher, through all the range of educational processes in the long life learning of individuals, and also in the non formal educational process, whereat people have access during existence are:

1. Self-consciousness – is essential because it allows every individual to find his role in society, to know his weak points and to develop them according to his unique talents genetically inherited. A person aware of his/her self can easily act in choosing the occupation or the carrier to practice that he or she will be able to direct his energies to and recognize the real problems that the world and society faces. Consciousness-based education, introduced in 1971 by Maharishi Mahesh Yogi, is unique in its ability to effectively develop the total brain potential of every student.

2. Stimulating creativity – this special quality is reflected in the mental and social process of generating new ideas, concepts, associations, and permits individual adaptation to unpredictable contexts and situations. There are simple techniques, associated to lateral thinking that can promote this capacity, for example: improvisation, fiction as imaginary product, (Randomness, Improvisation, P.S.).

3. Communication – in the actual forms and methods used as learning practices, communication is not capitalized at being the supreme value, because mostly individual activity it’s encouraged, which promotes inappropriate values like egoism, indifference, self-interest. Without communicating problems and discussing difficult situations, there is no way to claim solving the issues in optimal parameters of time, quality and accuracy. The man can not act in terms of social responsibility, as a “macro attitude”, which I consider as being shallowly approached, especially in the economical environment.

4. Promoting a responsible role in society – education must train one for quick, resolute and effective thinking. To think incisively and to think for one’s self is very difficult. We are prone to let our mental life become invaded by legions of half truths, prejudices, and propaganda. At this point, I often wonder whether or not education is fulfilling its purpose. A great majority of the so-called educated people do not think logically and scientifically. Even the press, the classroom, the platform, and the pulpit in many instances do not give us objective and unbiased truths. To save man from the morass of propaganda, in my opinion, is one of the chief aims of education. Education must enable one to sift and weigh evidence, to discern the true from the false, the real from the unreal, and the facts from the fiction. This is the way in which he or she could develop and exercise an active role in society.

5. Changing opening – in order to be able to intervene in the actual course of the life circle, accepting and promoting the changes is considered a healthy habit, which stimulates the flexibility and the disruption of existing corporately stereotypes, which are heading humanity to destruction, because of the ignorance or simply because of unknown problems that Terra is facing. From this perspective, the change tackling implies a real transformation at psychological level and of human behaviour, therefore to satisfy those priorities needed to be handled immediately. Here we refer to: the necessity of a re-conversion of world economy from a military economy to civil one, immediate solutions for energetic and environmental problems, as well as for the underdevelopment and poverty aspects propagated into the world.

6. Global vision upon world – the actual educational system, as a whole, is constituted by a sum of operations (method -> evaluation -> communication), whose final objective must reflect a pragmatic and global view on the world. At present, the youth is informed regarding global problems through sources like mass media, not making possible a healthy analysis, not making possible a debate and a thoroughness facilitation that could lead to the understanding and building-up personal opinions regarding aspects like underdevelopment, global economical relations, international monetary system, etc.

7. The ability of solving problems – solving problems is the easiest way to re-create conditions and actions in an artificial manner, experience which allows pupils and students to deal with in a constructive way and to develop solutions for different problems. Learning systems which are basically constructed like this are superior because it helps individuals to recognise and adapt to specific economic, social, psychological, spiritual context and to detect real problems in any form, associating optimal alternatives of decision. For example, simulating a complex economical context for a start-up enterprise leads to the stimulation of individual creativeness and decision-making abilities.

8. Multidisciplinary teams – to permit the reshaping and the restructuring of scholar curricular in the needed form in order to develop these abilities and capacities, we are suggesting even some changes in the study of discipline, considering the logical and contextual relations between them, providing an understanding of all existing correlations at a certain point. For example, Public Finances should be studied in the International Monetary System context and not separately. At the same time this characteristic involves, according to those said before, the start point of collaborations between students coming from different specialization, in order to accomplish complex projects with a multidisciplinary approach. In this case, the elaboration of a business plan would unite students from different specializations in economical science discipline (services, marketing, management) and students from engineering, agriculture and others profile Universities.

In recent years, there have been promoters that recognise the importance of remodelling and updating the learning systems and they have introduced some of this principals through various pedagogic and psychology methods and ideas, which became guide-lines in Universities educational activities from regions around the world. A recent example at this point is the study made by Clay Shirky, author of “Here Comes Everybody”, in which he proposed an innovating learning model, named Open Model of Education. In the Closed Model of Education or Classical System, education is limited because the ideas that a school or district can consider can come from only a limited number of sources, usually teachers, administrators, and consultants. A great deal of thought must be put into the consideration of ideas because the time and cost of failure are so high. Time spent with meetings, staff training, and materials, has a cost. This means the filter for ideas is very high. Only those ideas that seem to have the most benefit will be implemented, though there is no way to know in advance that one of the ideas picked will bring the desired benefit, and one of the ideas left on the table could be the most effective and beneficial.

It is true that by putting into practice an educational system based on the same universal fundamentals it essentially means stimulating globalization through its universal optic itself. Although the manner in which this model contributes to the globalization phenomenon is clear, still we must consider the fact that the final purpose of education is no other then confronting globalization’s effects and influences, as well as the global negative impact upon environment and, ultimately, upon the way people live everywhere. Education will allow us to know the actual estate of the world, with all its pluses and minuses, and also will increase the awareness of the impact of every individual upon the world and upon the next generations. In other words, we consider politics, economy or administrative sciences weapons of less importance in the process of global issues eradication, compared to education, as a social science.

To conclude, I would like to specify the way these ideas were generated and which were their fundamentals. This actual study is not a result a thorough research activity, neither a genius idea. I am myself a “product” of a classic, formal educational system, but also had some benefits form the non-formal educational system by involving myself in a volunteer organization that developed soft skills and hard skills both. I consider that these educational practices are not adapted enough to the global context that we are facing everyday, and that specialized literature is exposing, bringing up to light its pronounced effects of human existence on Terra. I am a person that does not hold sufficient information and power to be a voice and to be able to get involved in a sustainable and constant development of society, whose values are not profit, nepotism, indifference towards future generations, but responsibility to create and offer equal chances. I am an ambassador of a civilization which is plunging headfirst, shy daring to change the dissonant order and murderously world.

Posted in Uncategorized | Comments Off

5 Reasons Why You Should Hire a Filipino Virtual Assistant

In the twenty-first century, digital conquers the life of peoples that gives rise to the virtual assistant work. Especially to the millennial who give more emphasize in checking their phones for the update in their social media status, watching YouTube videos, reading eBooks, playing computer games and many more. Social media in today’s generation is the most influential tool that a company can use. In introducing their products and services through blogging and posting in their social media accounts because we can deny the fact that most of us do have a social media accounts, we have Facebook,Twitter and many more. The most common social media platform is the Facebook that’s why advertising a particular product and services are more easy and effective. Therefore, through the internet people and company can make deals and businesses. All we need to do is to involve in the internet and work to earn money.

In today’s generation, the richest person in the world is the person who is the owner of some website on the internet, to be mention we have Mark Zuckerberg, the owner of Facebook who provide service through the internet. Every time we use our internet, many activities will happen behind the internet. Some of us work through the use of digital like the Customer Service Representative especially we Filipino is excellent in speaking the English language. So we are expecting that a foreign company of outsourcing will hire a Filipino virtual assistant. Filipino workers are more affordable than any other foreign workers. Filipino workers are competent enough regarding providing excellent outsourcing. Services. Another is, Filipino workers are hardworking and loyal to their job and their employer. That’s why Filipino virtual assistant is more demand regarding working in an outsourcing company because they are the full package. They can work hand in hand with less supervision that’s the reason why you should hire a Filipino virtual assistant. Another is they can provide excellent services as a website designer, editor, market researcher, writer, personal assistant and many more.

5 Reason Why You Should Hire a Filipino Virtual Assistant

1. Filipinos are hardworking
Filipinos are no doubt hardworking when it comes to their work. They can work and provide services above and beyond what is being ask of them from their company.

2. Filipinos are loyal
One of the best character of Filipinos are loyal. They can stay in the company for 15 years or more especially if their employers treat them very well. Filipino exercise “debt of gratitude” to someone who showed them nice, even if it’s just one time.

3. Filipino never say “NO”
Filipino never say “NO” to their employers. You will always heard a Filipino worker say “yes ma’am/sir” they tend to perform a task without asking further questions. They will follow the instructions. The employer will give them the full details of the task together with the expectations and the employer will get that expectations. Filipinos are positive thinker

4. Filipino always look for the brighter side of life.
They did not easily giving up but they always find another options to solve the problem. Even harsh calamities can’t stop them from smiling.

Posted in Uncategorized | Comments Off