Drumminmamas

In the last few months we’ve seen a lot of Health Care Reform rules and regulations being introduced by the Health and Human Services Department. Every time that happens, the media gets hold of it and all kinds of articles are written in the Wall Street Journal, the New York Times, and the TV network news programs talk about it. All the analysts start talking about the pros and cons, and what it means to businesses and individuals. The problem with this is, many times one writer looked at the regulation, and wrote a piece about it. Then other writers start using pieces from that first article and rewriting parts to fit their article. By the time the information gets widely distributed, the actual regulations and rules get twisted and distorted, and what actually shows up in the media sometimes just doesn’t truly represent the reality of what the regulations say. There’s a lot of misunderstanding about what is going on with ObamaCare, and one of the things that I’ve noticed in discussions with clients, is that there’s an underlying set of myths that people have picked up about health care reform that just aren’t true. But because of all […]

Online, world travel guides are coming into their own. While they may never beat a solid guidebook that you can dog ear and mark up as you travel the world, they are becoming more valuable for research pre-departure. Thanks to the minimal resources required to create a travel guide online (no publishers, distributors, materials, etc.) we will continue to see more pop up as the world gets smaller. However, as the quantity of world travel guides increases, the need for quality, dependable information becomes more scarce. Here are the most authoritative spots online to help you prepare your next big Travelfish.org. If you are looking for intelligence on Southeast Asia, look no further than Travelfish (even Lonely Planet, creator of the classic “Southeast Asia on a Shoestring” acknowledges their hard hitting advice). They provide detailed information about all of Southeast Asia, with a focus on Laos, Cambodia, Thailand and Vietnam, with additional sections on Singapore and the Philippines. Their FAQ for each country is an exercise in mind reading: they answer questions you didn’t realize you had such as “What kind of lock works best in a bungalow?” They also break down electrical requirements and other technical advice pertaining to […]

Owning and running your own small business is a great thing to do, but it is not always easy. If you want to have success with your small business, there are some ways to do it, though. Here are some small business tips to maximize your profits and minimize your headache, even early on with the business. The first of the small business tips that you need to remember is that in the early time of the business, you want to keep your profits as high as possible. This is not always an easy thing to do because often, especially when your business has first opened, your customers are pretty low, and therefore your money is pretty low. In order to make this happen, keep your spending as low as you can. Avoid buying anything that is unnecessary in order to keep all the money that you can. Another of the great small business tips that you can use is about advertising. If you want to get customers, which are necessary for the success of many businesses, you will have to advertise in order to get them. Advertising is something that you should always make room for in your budget. […]

A lot of folks only wish they could reduce what they pay as health and life insurance premiums. Thankfully, there are ways that would help anybody get lower rates. I’ll share a few ways in this article. Like every other insurance policy, your rates are determined based on several factors. Every uses them to decide what you’ll pay based on the perceived risk in insuring you as shown by those factors. The following things make you a life insurance risk to an insurer thereby increasing your rates. If you’ve smoked in the last 12 months you’ll pay more. If you still smoke till date or use any tobacco product, prepare to pay much more. I won’t be giving you any new information if I tell you that smoking is the direct cause of many diseases and makes others flourish. Smoking is a habit that could be broken if you really mean it. People have succeeded in the past and so can you too. You only need to check groups out there that are committed to helping smokers quit smoking and you’ll get all the help you need. You’ll be doing yourself a lot of favor by reducing the chances that […]

There is a simple but undeniable truth in the financial consulting and wealth planning industry that Wall Street has kept as a “dirty little secret” for years. That dirty little, and nearly always overlooked secret is THE WAY YOUR FINANCIAL ADVISOR IS PAID DIRECTLY AFFECTS THEIR FINANCIAL ADVICE TO YOU! You want, and deserve (and consequently SHOULD EXPECT) unbiased financial advice in your best interests. But the fact is 99% of the general investing public has no idea how their financial advisor is compensated for the advice they provide. This is a tragic oversight, yet an all too common one. There are three basic compensation models for financial advisors – commissions based, fee-based, and fee-only. Commission Based Financial Advisor – These advisors sell “loaded” or commission paying products like insurance, annuities, and loaded mutual funds. The commission your financial advisor is earning on your transaction may or may not be disclosed to you. I say “transaction” because that’s what commission based financial advisors do – they facilitate TRANSACTIONS. Once the transaction is over, you may be lucky to hear from them again because they’ve already earned the bulk of whatever commission they were going to earn. Since these advisors are […]

Introduction Computer forensics is the practice of collecting, analysing and reporting on digital information in a way that is legally admissible. It can be used in the detection and prevention of crime and in any dispute where evidence is stored digitally. Computer forensics has comparable examination stages to other forensic disciplines and faces similar issues. About this guide This guide discusses computer forensics from a neutral perspective. It is not linked to particular legislation or intended to promote a particular company or product and is not written in bias of either law enforcement or commercial computer forensics. It is aimed at a non-technical audience and provides a high-level view of computer forensics. This guide uses the term “computer”, but the concepts apply to any device capable of storing digital information. Where methodologies have been mentioned they are provided as examples only and do not constitute recommendations or advice. Copying and publishing the whole or part of this article is licensed solely under the terms of the Creative Commons – Attribution Non-Commercial 3.0 license Uses of computer forensics There are few areas of crime or dispute where computer forensics cannot be applied. Law enforcement agencies have been among the earliest and […]

Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled. The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. For example, in “the general theory of finances” there are two definitions of finances: 1) “…Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage”. This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character; 2) “Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production”. This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification. First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the […]

When you start up or re-brand a pet or animal related business one of your first requirements will be getting a great logo design in order to create a brand that you can build upon and develop. Many new businesses are springing up today that are related to pets and animals. It is no longer just your traditional veterinary clinics and pet stores but a whole host of other service businesses relating to pet care, grooming and other niche areas like pet photography and pet boutiques and pet retreats. The pet industry can be divided into two area really. Firstly you have pet stores and vets who target the general population and secondly you have luxury pet supplies, gourmet pet food and services that only the upper middle class and the wealthy can afford. Some people treat their pets like members of the family and want only the highest standards for them in terms of the products that they buy and the services that they require. So the message that you want to convey in your logo is that your company values animals and is basically in the business of pampering them, giving them the best of care and the […]

Destination weddings have become incredibly popular over the years, and for many newly engaged couples, the interest in getting married in the Caribbean is increasing every day! After talking with many of my clients that have visited our travel agency to inquire about a destination wedding, they seemed to all agree that getting married on a Caribbean Island or even on a Caribbean Cruise is something they have always desired. The exotic locale, convenience, value, and stress free environment it fashioned were some of the many reasons couples find this option very appealing. Before I talk more on the Caribbean, allow me to first talk a little bit about who I am, and the reason why I view the Caribbean as a popular wedding destination choice. Back in July of 2000 I attended Travel College, and this is where I met this beautiful Italian girl in my class named Maria. It was clear that the both of us were on the same path of becoming professionals in the travel industry, and at the time we never knew what we were about to experience. Once we graduated, Maria and I were immediately employed by different travel agencies that soon opened up […]

In order to make the most of your corporate travel budget, it is critical to plan for leveraging your program for all it is worth. Telling travelers to select the lowest logical airfare is just not enough. Here are the elements that should be considered when planning or evaluating your travel program. 1. Travel policy A well written and disseminated travel policy is the foundation of any good travel program, and I am consistently amazed that so many corporations have such an outdated and poorly conceived travel policy, if they have one at all. It is not difficult to find a well written policy. One can be found online quite easily. All that remains is that it is edited to reflect corporate culture, and disseminated within the company so that everyone understands and agrees to follow it. For this reason, it is a good idea to have everyone sign a copy of the travel policy to ensure that it is read, understood and owned by all company staff. I suggest that everyone in the company signs a copy of the travel policy, whether they travel or not. They may change positions in the company later and be required to travel. […]