Author: Admin

  • Are You Stuck in the Day-To-Day Operations of Your Business?

    Business Operations is the compilation of all the activities carried out inside a company that keep it running and generating revenue.

    In standard business plans, the operations section is dedicated to helping business owners understand what systems, tools, people, and processes will be needed for the company business model to function.

    A few examples of business operations:

     

    • Creating and maintaining key systems needed to run a business, including customer service, billing, communications, marketing, deliver, and backup
    • Creation of processes, tools, and players for key systems within the business
    • Management of systems that control access and login information
    • Establishing decision-making guidelines for team members
    • Creation and maintenance of your Standard Operating & Procedures (SOP) guide
    • Setting up effective backup systems to control company information
    • Creation and management of systems that process payments
    • Implementation of business tools and software to manage multiple systems
    • Managing the process of delivering products and services to customers

    The operations area is a constant segment of your business and requires daily attention. 

    And this where most women business owners get stuck!

    In the beginning stages of your business, it was just you. Just you making all the daily decisions and executing the many tasks that must be performed each day to accomplish goals and strengthen your business model.

    As your business model proved successful, the endless business task list began to increase exponentially. Business decisions and responsibilities increased. Quiet, creative, and productive time to focus on growing the business was more and more limited and many times downright non-existent.

    As women in business, we must stay focused on those areas of business that ONLY we can do – everything else must be delegated to a team!

    The Visionary and CEO role in the business at this level needs to stay focused on very high-level leverage tasks that will grow your business, such as:

     

    • Big Picture Vision
    • Marketing and Sales
    • Delivery of Services
    • Content Creation
    • Creating New Products
    • Partnerships
    • New Sources of Traffic

    Everything else you need to get off your plate – much of this lies in the day-to-day operations of your business. 

    If your business has reached six figures, hold on to your seat belt because your company has taken on a life of its own.

    And this is the point where you are most likely feeling that you’ve hit a ceiling and are even feeling a bit burned out. You may not see how you will be able to grow past the current challenges.

    Bad news… good news…

    You won’t be able to break that ceiling when you are the only one in charge of everything. The good news is that it does not have to stay that way.

    A seasoned online business manager is the perfect second-in-command to pull you out of the day-to-day operations and marketing management of the business. You’ll have the time, energy, and focus you need to work on those high-level leverage tasks that will grow the business.

    You can’t possibly expect to grow if you don’t position someone else in your business to be your “Mini-Me” – to take the day-to-day operations and management of business off your plate with the support of a team. Your business is now bigger than you are, and in order for it to continue to grow, you must have your operations running smoothly and cost effectively.

    Isn’t it time that you are LIFTED out of the day-to-day activities so you can work ON your business instead of IN it?

    About

    Brenda Violette is Founder and CEO of Violette Business Services, a business management company that partners with entrepreneurial woman who have built a multiple six-figure online business and are stuck in their ability to create new revenue with them being the only one in charge of everything! They struggle and lose traction as they are buried in the “DOING” of the business.

    Being a seasoned woman business owner herself, Brenda understands the struggles of other women trying to build a viable online business, balance work and a personal life, and contribute to the world through the business.

  • Grandad, What’s a Business?

    Grandad, what’s a business? This is a simple question but like many simple questions the answer is a bit more complicated than you might expect. Complicated but easy to understand if you let Grandad explain.

    Quite simply, a business is a group of people who are joined together to sell something to bring in money, referred to as “income”.

    A business can be very small, even just one person. This small business can have a legal form or the person can just consider himself (or herself) to be “self-employed”. Even a one-man business must bring in enough money to pay for his living costs. Otherwise he will need to get a job in another business or live on social security paid out by the government and that is no fun at all.

    The size of business that we meet most often is as small as 2 or 3 up to as many as several hundred. These companies are often referred to as small and medium-sized enterprises (SMEs). They normally have a legal status such as “partnership” or “limited company”.

    The big beasts in the business jungle can be very large indeed, often with thousands of employees and many millions of pounds income and are usually “Public Limited Companies” (PLCs). All these businesses are important and Grandad will tell you more about all these businesses in the next few days.

    Let me tell you now about the money earned by a business, called “income”. This money must be enough to cover what are called costs or “expenditure”. Costs are all the expenses that the business incurs: the materials the business might have bought, rents, wages and money paid to other people. Costs can include a whole lot of other things business such as computer cost, telephone bills, insurance, heating, transport etc.

    The idea of a business is that income should be more than expenditure, If income is greater than expenditure, the difference is called a “profit”. If income is less than expenditure then the business is said to make a “loss”.

    Making a loss is a BAD THING. If losses continue then the business cannot carry on and is said to be bankrupt. The business has no money to pay its bills.

    Profit therefore must be a GOOD THING. Not everyone agrees but Grandad will explain as we go on why profit is a VERY GOOD THING.

    There is an in-between result which is called “break-even”, which is not a loss and not a profit. Normally a business can survive in a break-even state but it brings problems that we can talk about later.

    Grandad has not yet mentioned the greatest contribution that businesses make to all our lives – TAXATION. Businesses are a rich source of TAX, which our government needs to pay for schools, the National Health Service, roads, police, firemen, the Army, Navy and Air Force, old age pensions etc. Our politicians have great ideas on how to spend money but they have no money to spend unless businesses create TAX.

    There is a tax called CORPORATION TAX which is charged as a percentage of the profit the business makes. However businesses create tax for the government in many other ways. Everyone who gets wages or a salary from a business pays INCOME TAX and the business pay NATIONAL INSURANCE for each person working for the business. No business, no wages, no income tax, no national insurance. Businesses charge VAT (Value added tax) on most things they sell They pay what they collect (less what VAT they have paid to other businesses) to the government. Owners of a business can take money out of the business in the form of what are called “dividends”: INCOME TAX is paid as a percentage of these dividends. Finally owners can sell a business to somebody else and if they do, they pay CAPITAL GAINS TAX on the sale. If a business buys insurance, it pays INSURANCE TAX. If it buys goods from abroad, it often has to pay TARIFFS to the government.

    Corporation Tax, Income Tax, National Insurance, Value Added Tax, Tax on Dividends, Tariffs, Capital Gains Tax all help in paying for things we value such as schools, police, defence and the National Health Service. Without these taxes the government would not have enough money to pay for these things. By the way, businesses also pay COUNCIL TAX which pays for local services such as street cleaning, parks, playgrounds and many other things we take for granted.

  • Banks Have a Lot of Reasons to Reject Your Small Business Loan

    For a small business to grow into a big business, it needs a loan unless it has exceptional sales and profit margins. A small business owner has quite a few places where he/she can go with a loan request. Banks seem to be one of their options on most occasions. What these owners might not realize is that banks have recently developed a reputation for rejecting small business loans. It seems that banks are more interested in financing large businesses due to their benefits. A bank can come up with a variety of reasons to reject loan approval for a small business. Some of the common reasons are as under:

    Reasons for Banks to Reject Your Small Business Loan

    Credit History

    One of the barriers between you and the business loan is credit history. When you go to a bank, they look at your personal as well as business credit reports. Some people are under the impression that their personal credit does not affect their business loans. But that’s not always the case. A majority of banks look into both the types of credits. One of the aspects Business of credit that matter a lot to the banks is credit history. The length of your credit history can affect your loan approval negatively or positively.

    The more information banks have at hand to assess your business’ creditworthiness, the easier it is for them to forward you the loan. However, if your business is new and your credit history is short, banks will be unwilling to forward you the desired loan.

    Risky Business

    You must be aware of the term high-risk business. In fact, lending institutions have created an entire industry for high-risk businesses to help them with loans, credit card payments, etc. A bank can look at a lot of factors to evaluate your business as a high-risk business. Perhaps you belong to an industry that is high-risk per se. Examples of such businesses are companies selling marijuana-based products, online gambling platforms, and casinos, dating services, blockchain-based services, etc. It is imperative to understand that your business’ activities can also make it a high-risk business.

    For example, your business might not be a high-risk business per se, but perhaps you have received too many charge-backs on your shipped orders from your customers. In that case, the bank will see you as a risky investment and might eventually reject your loan application.

    Cash Flow

    As stated earlier, your credit history matters a lot when a bank is to approve your loan request. While having a short credit history increases your chances of rejection, a long credit history isn’t always a savior too. Any financial incidents on your credit history that do not favor your business can force the bank to reject your application. One of the most important considerations is the cash flow of your business. When you have cash flow issues, you are at risk of receiving a “no” from the bank for your loan.

    Your cash flow is a measure for the bank to know how easily you return the loan. If you are tight on cash flow, how will you manage the repayments? However, cash flow is one of the controllable factors for you. Find ways to increase your revenues and lower your expenses. Once you have the right balance, you can approach the bank for a loan.

    The Debt

    A mistake that small business owners often make is trying out too many places for loans. They will avoid going to the bank first but get loans from several other sources in the meantime. Once you have obtained your business funding from other sources, it makes sense to return it in time. Approaching the bank when you already have a lot of debt to pay is not advisable at all. Do keep in mind that the debt you or your business owes affects your credit score as well. In short, the bank does not even have to investigate to know your debt. An overview of your credit report can tell the story.

    The Preparation

    Sometimes, your business is doing fine, and your credit score is in good shape as well. However, what’s missing is a solid business plan and proper preparation for loan approval. If you haven’t already figured out, banks require you to present a lot of documents with your loan approval request. Here are only some of the documents you will have to present to the bank to get approval for your loan.

  • Business Traveller Flying to London? A London City Guide for Getting to the Centre

    London. The vibrant, beating heart of the United Kingdom. It’s one of the world’s most popular destinations for tourists, and for business travellers too. The amount of commerce that goes through London is staggering, with a financial centre second only to New York, and service industries that cater for both the UK, European and international markets. As the world’s most multicultural city – there are over 300 languages spoken by a population of over eight million people (twelve million if you include the metropolitan area) – the opportunities for business are clear.

    With the UK strategically positioned for the business traveller on the western edge of Europe, London is a global hub for air travel, providing easy access to mainland Europe, and a stepping stone to the United States. Primarily served by five airports – Heathrow, Gatwick, City, Stansted and Luton – London is easily reached from anywhere in the world. But with the exception of London City Airport – smallest of the five and located in East London, close to the business district of Canary Wharf – the other four airports are satellites evenly dispersed around the city. The most popular, Heathrow, is located to the west of London; Gatwick is situated to the south; Stansted to the north east; and Luton to the North West. Knowing this before you make your travel plans can be useful. Since the greater metropolitan area of London covers over 1,000 square miles, your final business destination may not be right in the centre. Researching which airport is closest to your destination can save you time, effort and money.

    However, whether you’re a business traveller flying from within the UK or from overseas, your starting destination may often determine the airport you arrive at. Other factors, such as your chosen time of travel, budget and availability will also make a difference. For example, if you’re travelling with a major international carrier from a major city, such as New York, the chances are you’ll arrive at Heathrow or Gatwick (Stansted also receives flights from New York but is the smallest of the three). If you’re travelling locally from within the UK with a budget carrier you’re more likely to arrive at Stansted or Luton (though not exclusively). And if you’re travelling from a major European city, particularly a financial capital, such as Frankfurt, London City Airport is a likely arrival point (the airport was created specifically to cater for short haul business travellers, particularly between financial centres).

    Each airport is served by comprehensive rail and road infrastructure, providing business travellers with a variety of options to enter London. All five airports offer direct rail travel into the heart of Central London, coach travel to the main Victoria terminus, and hire car, mini-bus, licensed black cab and taxi services by road. If you’re a VIP business traveller, chauffeur services are also available, and with the exception of London City Airport, each also offer direct helicopter transfer into the heart of the city.

    London Heathrow Airport

    The busiest of the five airports is London Heathrow. Located less than twenty miles from central London, Heathrow is situated to the west of the city within the M25 motorway metropolitan boundary. The fastest route into London is via the Heathrow Express train service, taking just 15 minutes from terminals 1, 2 and 3 to Paddington station (located on the western side of Central London). If your flight arrives at either terminal 4 or 5 it’s a further four and six minutes travel time respectively, and you’ll need to transfer on to the main London-bound service at terminals 1, 2 and 3.

    The service is excellent, offering comfort and convenience, but does not always suite everyone’s travel budget. The standard ‘Express’ single journey ticket costs £21.00 (€25.00 / $35.00), but business travellers can get better value when purchasing a return ticket, priced at £34.00 (€40.00 / $56.00). The ‘Business First’ ticket is more expensive, with singles costing £29.00 (€35.00 / $48.00) and returns £52.00 (€62.00 / $86.00), but it does afford business travellers considerably more leg room, the privacy travel of a ‘single seating’ layout, and a fold out table. The experience is akin to that of air travel. All passengers across both pricing structures enjoy access to electrical sockets, USB ports and free Wi-Fi. The overall quality of service and passenger experience generates a ‘wow’ factor, and if your budget can afford it, is certainly the smoothest, quickest and most convenient way to travel into London from Heathrow. Trains run regularly every fifteen minutes in both directions, particularly useful for last minute dashes to the airport.

    There are two further rail options available to business travellers, both considerably less expensive, though this is reflected in the quality of service. That’s not to say either is not a good solution for business travellers, just that there is a noticeable difference in convenience and comfort.

    With a service typically running every thirty minutes, and a journey duration – depending on the time of day – of between 23 and 27 minutes from terminals 1, 2 and 3, Heathrow Connect is more than adequate for business travellers who are not in a hurry. Like the rival Express service, Connect also arrives at Paddington station, but unlike its faster rival stops at up to five other stations before reaching its terminus. The ‘inconvenience’ of this less direct journey is compensated for by a considerably less expensive ticket price. Single journey’s cost £9.90 (€12.00 / $16.00) while a return is £19.80 (€24.00 / $32.00). There is no saving to be made from purchasing a return ticket. While the convenience and comfort of the traveller experience cannot match the Express, the Connect business travel solution is an acceptable compromise that suits a greater number of travel budgets.

    The third – and least expensive – rail option is the London Underground ‘tube’ network. Despite the network’s name the majority of the journey from Heathrow is overground, until the business traveller nears Central London. Starting on the

  • For Worry-Free Travel, Travel Agents Is the Solution

    There are a plethora of full service travel agents who prepare the itinerary of the traveler from researching, planning to purchasing an entire trip to ‘Discover India’. The tour packages are at a discounted or subsidized rate due to channel partners that comprises of economic luxurious hotels, airlines, railways, transporters so on and so forth. Almost all of the travel agents cater to the needs of one and all – from single men & women, to families and clubs going on vacation or a weekend getaway at short notice, whatever the need the travel agents are ever ready to ensure that their clients are satisfied.

    Most of the travel agents in Kolkata have expert tour operators travel on board who are capable of understanding the subtle nuances of the travel industry and therefore personal attention is given and most of them can speak English fluently. Intending travelers are able to access directly an assortment of travel packages which are affordable for middle class families who might be planning a trip to India.

    By virtue of researching continually on travel destinations in India that are safe and secure, travel agents have been offering travel packages that are economical so as to ensure that sufficient funds are available for travelers to perhaps buy gifts for their loved ones as well. Almost all travel agents offer value added services, bus and car rental for example, train and air tickets, hotel booking and other ancillary tour and travel services at competitive rates.

    Travel agencies in India are professionally managed and particularly so for foreign tourists be it groups or individuals. Travel packages are priced in a way so as to fit any budget that any traveler would be able to avail. Travel agency as a business grows exponentially because of the dedication of the team of tour and travel agents. All travel agencies have channel partners throughout India and the IT infrastructure of the agencies have been upgraded to offer further benefits in the days ahead. The reason behind the enhancement of the infrastructure is to make sure that the service that they are offering is one-of-a-kind. It’s no wonder that hordes of foreign tourists revisit India as they are delighted by the services provided by the travel agencies which by their own admission is absolutely phenomenal.

    India is a land where the dichotomy of rags and riches is omnipresent and often can be seen alongside each other. It is a testament of the social and economic inequalities and divisions. Nonetheless it is a land that is worth exploring as it offers variety of breath-taking and idyllic scenic beauty in every nook and cranny. From the snow-capped mountain ranges of the Himalayas with their peaks so high up in the sky that it would appear they have gone beyond scraping the sky and are reaching for the heavens. To Rishikesh on the river Ganges in northern India is an ideal locale for white water rafting.

    Goa is a much sought after destination as well for those looking to bask under the sun and have a suntan or are enthusiastic about all night long beach party under the moonlight and the starlit sky along with entertainment by the best music bands. Kerala is also a suitable locale for river cruises on the natural backwaters in the midst of coconut palms that seem to whisper, the beaches full of white sand, herds of elephants, and lush greenery everywhere that seem to seduce as they pass by on lazy sunny afternoons.

    A ride of a lifetime on the Palace on Wheels perhaps would indeed prove to be a dream come true as the scenery of Rajasthan would enthrall anyone. After being mesmerized by the breath-taking and amazing natural beauty of Rajasthan one would have to head back to Delhi to visit Agra and the Taj Mahal in particular which must be seen if one is in Agra besides the Agra Fort. One could relish the idyllic beauty of the “queen of hills” Ooty, or have soul-searching and spiritual experience at Haridwar and Rishikesh. Last but not the least, the Royal Bengal Tiger, the pride and joy of West Bengal can be seen in the wild at the world’s largest Tiger Reserve.

    For travel without any worries it is advisable therefore that all travel requirements be fulfilled by reputed travel agents. The travel agents are ever so eager and willing to cater to the myriad needs of travelers who find it extremely convenient to be able to have an agent take care of everything that is necessary to ensure that a traveler does not have to worry about anything whatsoever.

  • How Can Travel Agents Help You Plan Your Vacation

    There are numerous advantages of planning your vacation with the help of a travel agent. Travel agents, or travel consultants have experience not only about the location, but know the important things that one should take care of when traveling to a certain destination. With their expertise and experience, you can obtain access to free travel tips like airline tips, hotel tips, how you can save money on airfare, insurance tips, international traveling tips, budget location tips, and so much more. The travel consultants have links, contacts, and the resources required to plan a holiday within an individual’s budget and provide you the help you need in case of an emergency. They can provide you with the right airline traveling tips and different packages that are within your budget. Many travel agents offer the package that has everything from toll taxes to airfare. You should consider using the following travel tips in order to find the best travel agent.

    Airline Traveling Tips

    When a travel consultant is helping you organize a trip, then you should travel keep in mind that you can obtain tickets on a discounted price from numerous airlines. These travel consultants have links with airlines and can help you get a discount on the purchase of tickets.

    Hotel Traveling Tips

    If you would like to avoid having to face any last minute issues, then you should ask your travel agent to book your hotels in advance. Book hotels at all the places that you are going to visit so you have a place to go to when you get there. Also, it would be wise to book a hotel ahead of time because hotels charge a lot of money when they see a traveler who is desperate for a room.

    Tips for Senior Citizens

    Travel agents can help you organize a group tour for different vocational and age groups. Group tours are cheaper and safer, especially if you are a traveling senior. The advantage of group tours is that you will not feel alone on the trip. You will make great friends throughout the trip. Travel agents fix a schedule for group tours, so a number of destinations are covered up easily and within your budget.

    Historical Visits

    Travel agents can employ a guide for the travelers to explain different historical monuments of a destination to the tourists. Your visit will be made memorable if you leave the country knowing about its past heritage visiting monuments around the destination. The best part is that you do not have to pay for the guide all by yourself because the cost is spread over the entire group!

  • Extra! Extra! Life As a Movie Extra in New Mexico

    (LIFE OF A MOVIE EXTRA…… er, I mean…. BACKGROUND ARTIST)

    As I left the house, I glanced at the outdoor thermometer. It read five below. Thankfully the car started. Once on the road, as I approached my destination, in the still-morning darkness, I turned off the main road and followed the line of red tail lights up the hill’s dirt track toward the well-lit tents above. Through the frozen tundra, I walk from the car to the first tent, greeted by warm smiles and friendly exchanges as I checked in, thankful that the changing room was amply heated.

    After six prior workdays, the changeover from civilian to period western movie clothes was old hat now; long johns first, quickly adding shirt, pants, each with numerous buttons, suspenders, boots, jacket, work gloves and hat, all the while chatting with my fellow comrades. Next, stand in line to get grubby, as hair and makeup girls dirty you up. I look in the mirror, wondering who that desperado is that’s staring back at me.
    Finished, I throw my civilian jacket over wardrobe, and walk back outside into the frigid air, trying not to slip on snow, ice and cables as I slowly venture toward the dining tent for some quick breakfast and necessary hot coffee. People are mostly subdued inside, something to do with the numbing cold.

    A heavily jacketed girl with a headset steps into the tent and yells to us “The van is here!” Begrudgingly we step back out into the cold, slide into the vans and travel toward the western town that’s just beginning to emerge in the dawning light. Crawl out of the van. If the temperature rises above freezing, the snow we’re trekking through will become a muddy mess later. Somebody yells “I see Props” and we go and outfit ourselves with our guns and holsters. More salutations from bundled crew members as you stroll toward the holding facility hoping for one last cup of coffee which of course is not brewed yet. Too late anyway, you’re needed for the first shot of the day. It’s time to play make-believe. You find solace thinking at least Russell Crowe and Christian Bale look cold as well.

    You glance around at your surroundings and say. “Hey, here I am, standing in the middle of a Hollywood movie, ready to play a gunman in an Old West town.” There’s only one person I know who would be silly enough to put up with these conditions for so little pay…I MUST BE A MOVIE EXTRA (or background artist as we in the business prefer to be called). Forget about my close-up shot, I thought. Just place me in the warmth of the sun!

    And so begins another day as a movie extra on a movie production set. Usually the weather conditions aren’t so extreme as this particular New Mexico January day was on the set of “3:10 To Yuma”, but when they are…well, that just adds to the story.

    Given these conditions, why would one want to be an Extra? Is it for the money…hardly, although for many it is a paying job which people are finding harder to come by these days. Is it for the chance to see your face on the silver screen, if only for a second? There’s the carrot on a stick enticement, the possibility of getting a speaking part, which immediately catapults you to a higher pay scale, and a cooler pair of shades. The rumor whisperers proclaim, “You know so-and-so big name actor started his career as an extra”.

    How about the opportunity for a departure from the everyday routine, playing a character that’s quite different from your normal self?

    Other reasons could be the social benefit the extended family bond offers that develops among fellow extras who have worked together on previous movie productions; the ability to observe moviemaking firsthand; and the ego boost you feel when you receive a friendly nod or salutation from a major movie star. And yes, there’s also a reasonable paycheck and complimentary food.

    For me, it’s all these reasons, and most assuredly for the stories.

    In recent years, Hollywood has arrived with a vengeance in New Mexico, a state with a moviemaking history as long as the industry itself. When I first moved here in ’94 several movie and TV productions were ongoing. A lady friend of mine told me about a casting call. I stood in line in the hotel lobby until someone in casting took my Polaroid and asked if I was available in two weeks. One surprise phone call later, I was trying on my new western wardrobe for the TV mini-series “Buffalo Girls”. I’ve been mostly available ever since.

    Movie activity quickly lapsed into a lull during the late 90s; however, new tax incentives for the film industry (and our much cheaper labor force) created a resurgence in moviemaking within the past five years.
    Today, while the tediously long casting call lines and Polaroid headshots have given way to new methods like Internet announcements, digital pictures and e-mailed resumes, life as an extra has remained relatively the same. One moment hasn’t changed; the way you feel after a long twelve-hour workday, having worked since before dawn to sunset; you’re cold and tired, standing in line in the dark waiting to return your wardrobe so you can check out and go home…all at once exhausted and gratified.

    If you’re looking to pursue background extra work as a full-time profession, my advice would be best to keep your day job. A flexible work schedule (unemployed being the best) is a prerequisite for working as an extra. The nature of the business is to be ready to work at a moment’s notice which is near impossible if you work a regularly scheduled job.

  • Free Psychic Horoscope – Are They Worth it or a Waste of Time?

    Everyone loves free and for those interested in horoscopes – why not look
    for free services? Although horoscopes can be found almost anywhere –
    especially in the back of magazines – for those who are serious about their
    personal horoscope – they will need one geared more specifically for them –
    not everyone born under their sign (which is what most horoscopes do).
    Magazine/newspaper and most internet horoscopes are too general and who
    knows if they are even accurate – if a true psychic predicted such things or
    if the magazine editor did. Plus, these types of free horoscopes are
    generally always for entertainment purposes only.

    So if looking for a free horoscope, your best bet is too first consider what
    a true horoscope is. Most will be very surprised at how calculated, precise
    and even complicated true horoscopes really are.

    A horoscope is a customized Horoscope astrological document interpreted for each
    individual. The astrologer converts the date and time of the clients birth
    and then determines the location of the important planets, sun and moon.
    This is done with the help of charts and tables.

    The astrologer next calculates the time difference between the birth time
    and the Greenwich Mean Time (the time when the planets at birth time would
    be visible). The orbit of the planet at 360 degrees is then divided by 12
    which represent the major activities of the person’s life. These segments
    have a relation to the sign of that person.

    Now where to find a free and accurate horoscope…?

    This is a process that may take a bit of time. There are most likely
    websites where a one time free horoscope will be offered. This is the same
    with many psychic businesses found in your area. They of course want to get
    new business and sometimes offer free services for the first visit. This is
    a great option because you can see if the particular psychic works for you
    (gives a reading that seems to be yours and no one elses and one that is
    specific to you – not too general). Most psychics however will only offer
    free horoscopes if they are confident enough in their ability to know that
    they will have repeat (paying) clients from the free offer.

    Everyone loves free and for those interested in horoscopes – why not look
    for free services? Although horoscopes can be found almost anywhere –
    especially in the back of magazines – for those who are serious about their
    personal horoscope – they will need one geared more specifically for them –
    not everyone born under their sign (which is what most horoscopes do).
    Magazine/newspaper and most internet horoscopes are too general and who
    knows if they are even accurate – if a true psychic predicted such things or
    if the magazine editor did. Plus, these types of free horoscopes are
    generally always for entertainment purposes only.

    So if looking for a free horoscope, your best bet is too first consider what
    a true horoscope is. Most will be very surprised at how calculated, precise
    and even complicated true horoscopes really are.

    A horoscope is a customized astrological document interpreted for each
    individual. The astrologer converts the date and time of the clients birth
    and then determines the location of the important planets, sun and moon.
    This is done with the help of charts and tables.
    The astrologer next calculates the time difference between the birth time
    and the Greenwich Mean Time (the time when the planets at birth time would
    be visible). The orbit of the planet at 360 degrees is then divided by 12
    which represent the major activities of the person’s life. These segments
    have a relation to the sign of that person.

    Now where to find a free and accurate horoscope…?

    This is a process that may take a bit of time. There are most likely
    websites where a one time free horoscope will be offered. This is the same
    with many psychic businesses found in your area. They of course want to get
    new business and sometimes offer free services for the first visit. This is
    a great option because you can see if the particular psychic works for you
    (gives a reading that seems to be yours and no one elses and one that is
    specific to you – not too general). Most psychics however will only offer
    free horoscopes if they are confident enough in their ability to know that
    they will have repeat (paying) clients from the free offer.

  • Should Your Child Watch TV News? Surprising Opinions of Top Anchors

    KIDS AND THE NEWS

    More than ever, children witness innumerable, sometimes traumatizing,
    news events on TV. It seems that violent crime and bad news is unabating.
    Foreign wars, natural disasters, terrorism, murders, incidents of child abuse,
    and medical epidemics flood our newscasts daily. Not to mention the grim
    wave of recent school shootings.

    All of this intrudes on the innocent world of children. If, as psychologists
    say, kids are like sponges and absorb everything that goes on around them,
    how profoundly does watching TV news actually affect them? How careful do
    parents need to be in monitoring the flow of news into the home, and how can
    they find an approach that works?

    To answer these questions, we turned to a panel of seasoned anchors, Peter
    Jennings, Maria Shriver, Linda Ellerbee, and Jane Pauley–each having faced the
    complexities of raising their own vulnerable children in a news-saturated
    world.

    Picture this: 6:30 p.m. After an exhausting day at the office, Mom is busy
    making dinner. She parks her 9-year-old daughter and 5-year-old son in front
    of the TV.

    “Play Nintendo until dinner’s ready,” she instructs the little ones, who,
    instead, start flipping channels.

    Tom Brokaw on “NBC News Tonight,” announces that an Atlanta gunman
    has killed his wife, daughter and son, all three with a hammer, before going on
    a shooting rampage that leaves nine dead.

    On “World News Tonight,” Peter Jennings reports that a jumbo jetliner with
    more than 300 passengers crashed in a spinning metal fireball at a Hong Kong
    airport.

    On CNN, there’s a report about the earthquake in Turkey, with 2,000
    people killed.

    On the Discovery channel, there’s a timely special on hurricanes and the
    terror they create in children. Hurricane Dennis has already struck, Floyd is
    coming.

    Finally, they see a local news report about a roller coaster accident at a New
    Jersey amusement park that kills a mother and her eight-year-old daughter.

    Nintendo was never this riveting.

    “Dinner’s ready!” shouts Mom, unaware that her children may be terrified
    by this menacing potpourri of TV news.

    What’s wrong with this picture?

    “There’s a LOT wrong with it, but it’s not that easily fixable,” notes Linda
    Ellerbee, the creator and host of “Nick News,” the award-winning news
    program geared for kids ages 8-13, airing on Nickelodeon.

    “Watching blood and gore on TV is NOT good for kids and it doesn’t do
    much to enhance the lives of adults either,” says the anchor, who strives to
    inform children about world events without terrorizing them. “We’re into
    stretching kids’ brains and there’s nothing we wouldn’t cover,” including
    recent programs on euthanasia, the Kosovo crisis, prayer in schools, book-
    banning, the death penalty, and Sudan slaves.

    But Ellerbee emphasizes the necessity of parental supervision, shielding
    children from unfounded fears. “During the Oklahoma City bombing, there
    were terrible images of children being hurt and killed,” Ellerbee recalls. “Kids
    wanted to know if they were safe in their beds. In studies conducted by
    Nickelodeon, we found out that kids find the news the most frightening thing
    on TV.

    “Whether it’s the Gulf War, the Clinton scandal, a downed jetliner, or what
    happened in Littleton, you have to reassure your children, over and over again,
    that they’re going to be OK–that the reason this story is news is that IT
    ALMOST NEVER HAPPENS. News is the exception…nobody goes on the air
    happily and reports how many planes landed safely!

    “My job is to put the information into an age-appropriate context and lower
    anxieties. Then it’s really up to the parents to monitor what their kids watch
    and discuss it with them”

    Yet a new study of the role of media in the lives of children conducted by
    the Henry J. Kaiser Family Foundation reveals that 95% of the nation’s children
    ages 8-18 are watching TV without their parents present.

    How does Ellerbee view the typical scenario of the harried mother above?

    “Mom’s taking a beating here. Where’s Dad?” Ellerbee asks.Perhaps at work,
    or living separately from Mom, or absent altogether.

    “Right. Most Moms and Dads are working as hard as they can because we
    live in a society where one income just doesn’t cut it anymore,”

    NBC News correspondent Maria Shriver, the mother of four–Katherine,
    13, Christina, 12, Patrick, 10, and Christopher, 6–agrees with Ellerbee: “But
    Moms
    aren’t using the TV as a babysitter because they’re out getting manicures!”
    says the 48-year-old anchor.

    “Those mothers are struggling to make ends meet and they do it because
    they need help. I don’t think kids would be watching [as much TV] if their
    parents were home organizing a touch football game.

    “When I need the TV as a babysitter,” says Shriver, who leaves detailed TV-
    viewing instructions behind when traveling, “I put on a safe video. I don’t mind
    that my kids have watched “Pretty Woman” or “My Best Friend’s Wedding”
    3,000 times. I’d be more fearful if they watched an hour of local news.That
    would scare them. They might feel: ‘Oh, my God, is somebody going to come
    in and shoot me in my bedroom?’”

    In a move to supervise her own children more closely since her husband,
    Arnold Schwarzenegger, became Governor, Shriver
    scaled back her workload as Contributing Anchor to Dateline NBC and set up
    her office at home: “You can never be vigilant enough with your kids,” she
    says, “because watching violence on TV clearly has a huge impact on
    children–whether it’s TV news, movies, or cartoons.”

    This view is shared by the American Academy of Child and Adolescent
    Psychiatry, which states: “”TV is a powerful influence in developing value
    systems and shaping behavior…studies find that children may become immune
    to the horror of violence; gradually accept violence as a way to solve problems;
    and resort to anti-social and aggressive behavior, imitating the violence they
    observe.”

    Although there are no rules about watching TV in 49% of the nation’s
    households, TV-watching at the Schwarzenegger home is almost totally
    verboten:

    “We have a blanket rule that my kids news do not watch any