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5 Suggestions For Borrowing Money in Later Life

It’s hard to think that with the effects of the financial crisis and the credit crunch still lingering, there might be people in the UK that haven’t been affected in some way.

Be it a noticeable shortfall of money or the loss of a job or house, everyone, everywhere knows at least one person who has had to deal with crippling consequences https://www.turizmsayfasi.com/ of the current financial climate.

Recent announcements by the Bank of England and government analysts have suggested that the worst is over and that the UK is recovering. That may be easy for analysts to say in a press release or TV interview, but the reality is there are still people out on the streets of the UK that are wondering how pick up the pieces after having to either tighten their belts or even let go of treasured possessions and assets.

The younger generation of Brits will probably be able to survive as the employment market loosens up or maybe by taking on work abroad. For the middle aged generation, those two options might not be viable. The discouraging “you’ve got too much experience” retort to job applications is more often heard by older applicants, and family responsibilities can hinder any ideas of upping sticks and moving to (financial) sunnier climes.

The worst part is that sometimes all that is required is cash flow of sorts to get the individual back to their feet but with banks shutting their doors to lending, that can’t be easy.

With this in mind, we have assembled a short list of options available to the more mature person in times of need. Please bear in mind, not all of these options will be right for everyone but all are worth looking into if you need to shake off the shackles of the financial gloom.

1. Equity Release
Similar to pension release, equity release involves obtaining cash from the equity of any property you possess. As with pension unlocking, there are guidelines governing who can unlock the equity on their assets and the advice of an expert is always recommended.

2. Unsecured Loans
If you can see light at the end of the tunnel and think the repayments would not be too damaging to your current financial situation, there are always loan companies who will consider you for an unsecured loan. Do take into account though, that if your credit rating is not up to scratch, the APR on such loans can be quite extortionate as the loan companies take into account the risk factor of offering a loan to someone with a poor credit history (APRs of over 100% are not unknown). Do make sure you read your loan contract properly and do make sure you can afford the repayments.

3. Credit Unions
Credit unions are seen as a viable an alternative to loan companies. They are financial co-operatives owned and controlled by their members who are individuals who have either already borrowed money from the credit union as a loan, or are using the credit union as a saving scheme. The pros of a credit union are that they are built around their union participants and as such offer a more ethical approach to borrowing. becoming part of a credit union involves having your situation reviewed to make sure you fit the union member criteria. The criteria may be that you live or work in the same area, or that you are employed by a certain employer. Credit unions will always look at a person’s financial history and generally have limits of initial borrowing.

4. Pension Release
Pension Release or Pension Unlocking, is the action of obtaining tax-free cash from your pension fund prior to retiring. Understandably, for most people, cutting into the money that’s meant to support them in retirement is a bad idea but with the right guidance and independent financial advice from experts, pension release can be a perfectly viable option, especially if you’re using your savings as an investment for a home or other long term project.

5. Ask Your Family
If family or friends are able to loan you cash and you are happy borrowing from them, this can be a great way to sort out your financial predicament while avoiding the presence of a financial institution. As with an unsecured loan, be sure you can pay back your borrowing as your family and friends will not have insurance to cover them should you fail to pay the money back and you may end up putting the lender into a difficult financial situation of their own.

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How Can I Help My Teenager Manage His Study Time?

Teenagers today face schedules that are jam-packed with schoolwork, extra-curricular activities, family responsibilities, part-time jobs, and the list goes on. It is no wonder that they feel overwhelmed and frustrated, and many are not achieving their full potential at school, even with the best of intentions. The key to getting the most out of your child’s study time, i.e. developing effective time management skills, is through creating good habits. Although habits are best developed at the beginning of the school year, any time is better than none to start a program that will encourage a better study routine, reduce frustration, and avert those dreaded ‘Why haven’t you done your homework?’ confrontations. Good Habit 1: Create a distraction-free study zone.
The bedroom is sometimes the worst place for your child to focus,  ホームページ制作 福岡    given the TV, computer, books, and gaming system at his or her fingertips. Rather, the dining room can provide the quiet and ample space that your child needs to get work done. Although teenagers may be reluctant to leave the autarchy of their bedrooms, they soon notice that they are more focused, feel better about their work, and may even finish their homework more quickly than when they are surrounded by their usual distractions.

Location, however, isn’t the only consideration. Students also need to disable the instant messaging on their computers, and turn off their cell phones and iPods. Parents will certainly hear groans over this, but if students set aside an allotted time for homework, at the same time each day, they will truly appreciate the free time and unlimited text messaging that follows. Of course, positive parental reinforcement in the form of praise and the occasional pizza wouldn’t hurt either.

Good Habit 2: Archive and Organize work.
* A PLANNER is a student’s most crucial tool for keeping track of daily assignments. Allow your child free reign over the choice of planner, as long as it has enough room to hold multiple assignments each day. Your child should remember to record every assignment as soon as it is given in class. This takes some getting used to, but is well worth the effort.
* A WALL CALENDAR is an effective visual reminder of upcoming exams and project due-dates. It should contain important dates, not daily assignments, and be hung up in your child’s place of study. The calendar will serve as a reminder for your child to start working in advance of a big deadline, and can avert those harrowing cram sessions or all-nighters sparked by unexpected (read: overlooked or forgotten) exam dates or deadlines.
* Throughout the semester, your child accumulates a forest of notes, handouts and graded assignments, often leading to the “Just in Case” disease. Students lug around heavy backpacks full of work they think they might need, can’t precisely locate, or simply haven’t put away, creating an organizational nightmare and a physical burden that would make any chiropractor cringe. Set aside a shelf and drawer at home exclusively for your child’s school materials, supplies and textbooks. The shelf should house binders that never leave home, where your student can file notes and assignments from completed units. Not only will this keep their notebooks and backpacks clean, it will also make it easier for them to find old assignments and tests when they review for midterm or final exams.

Good Habit 3: Know and use your support systems.
Are you having trouble getting ahold of your child’s teachers? School teachers are often engaged in their own battles with time management. NYC public high school teachers, for example, are responsible for up to 170 students per day (not to mention cafeteria duty, departmental meetings, and administrative duties.) Below are a few resources that parents may find helpful:

* School websites provide calendars listing upcoming school events and activities, midterm and final exam schedules, and administrative and teacher contact information. Some teachers may even have online sites where they post homework assignments and exam dates.
* Ask your child to write down the phone numbers of classmates whom they can call to verify HW assignments, or from whom they can obtain notes on days they were absent from school. If your child is reluctant to do so, ask the teacher to introduce them to a couple of dependable classmates.
* Many public libraries sponsor free online or telephone Homework Help hotlines, manned by teachers or qualified tutors, which schoolchildren can access from home. Check with your local library, or Google “homework help [city name]” to see what’s available in your area.

Busy schedules overwhelm and confuse even the most motivated students, but by implementing good study habits, students learn that effective time management and organization can relieve the stress of disorder, and that an hour and a half of homework a day, in a quiet place, with their planner at their side, can boost their self-confidence – and their grades.

Andrea Shiffman is founder and director of AKtive Learning, a New York City based at-home academic tutoring agency. She is a former NYC high school mathematics teacher and test preparation specialist for such reputable institutions such as Kaplan, Princeton Review, and Cambridge.

 

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The Best Places to Visit in Sri Lanka

The tiny tear drop shaped island in the Indian ocean has become the latest hotspot for tourists. After the end of the 30 years civil war, and all the travel advisories lifted, tourists just can’t wait to head out to the exotic island of Sri Lanka. The friendly and hospitable people of Sri Lanka, in their turn, with hands folded and ‘Ayobowan’ on their lips are ready to make your holiday the most memorable you’ve ever had.

Tourism in Sri Lanka can, broadly, be divided into three categories. The beaches, the cities of cultural, historical and religious importance and last but definitely not the least, the nature reserves. Do not be fooled by the size of the country. The tiny island is rich with places to visit from all these three categories. Join me as I unravel the wonders of Sri Lanka.

The bustling city of Colombo ホームページ制作 福岡 is the largest in Sri Lanka. It is about an hour’s drive from the Bandarnaike international airport. Just like other metropolitan cities, Colombo is a hub of activity. There are many places worth seeing. It being a coastal town, you can enjoy stunning views of the sea along with the throngs that head to Galle Face greens in the evening. If deserted beaches are what you are after, then you can head to other places, which shall figure later in my list. Other than that, you can visit the National museum, the National zoological gardens, and the Independence square which was built to mark Sri Lanka’s freedom from the British. You can shop your heart out at Majestic City, Liberty plaza or Odel. It is easy to commute around the city, with buses, radio taxis and auto rickshaws called tuk-tuks locally, readily available.

Sri Lanka isn’t just about beaches. If you travel inland there are many treasures to be discovered. If you are a fan of the cooler climate, there aren’t many places in Sri Lanka but Nuwara Eliya would definitely be one of them. Nuwara Eliya is a hill station located in the centre of Sri Lanka, just a little to the south. When Sri Lanka was under the rule of the British, this is where most of the British came for an ideal summer getaway. The impact of the colonial era can still be seen in the city, whether it may be in the nickname ‘Little England’ or in the architecture or in the various activities that you can immerse yourself in while there, such as boating, golf or horse riding.

Another very important aspect of Nuwara Eliya is that it is one of the most important towns as far as tea production is concerned. So be prepared to see endless stretches of tea plantation on both sides while you are approaching Nuwara Eliya. Don’t forget to drop in on one of the many tea factories dotted along the way there, such as the Labukele Tea estate. The people there will gladly talk you through the process of making tea from picking the leaf, to processing it, while they show you around their estate. Prepare to be baffled by the variety and flavours of tea you can buy there.

As far as tourist destinations are concerned, Nuwara Eliya has many. For those who are familiar with the Hindu mythological epic of Ramayana, the ‘Seetha Kovil’ or the Sita temple would be a place of interest. According to legend, king Ravana of Sri Lanka abducted queen Sita from her kingdom in North India and brought her to Sri Lanka. It is believed that it was here, where this temple is located, that he kept her. There is a giant foot mark there as well, believed to be of Lord Hanuman. Even the direst non-believers will experience a strange and outlandish sensation overcome them as they stand there watching the lush green mist-covered hills, wondering what all this place must have been witness to for so many centuries.

Just a little ahead of the Seetha Kovil is the Hakgala Botanical Garden, which is another interesting place to visit. Spread over a large area, it is enough to keep the nature lovers out there occupied for hours.

After Colombo, the city of Kandy (called Maha Nuvara locally) is the most important in Sri Lanka. There is no shortage of things to do and places to visit here. Historically, Kandy is important as it was one of the last kingdoms to remain independent from colonization. On the way from Colombo, it will be the first major town that you encounter while travelling towards the Central Highlands.

The first thing you will notice about Kandy will probably be the huge lake in the centre of the town. Bordering this lake on one side is one of the most important pilgrimage places for Buddhists, the temple of tooth or Sri Dalada Maligawa. It is believed that, along the duration of many centuries, the holy relic of Lord Buddha’s tooth after travelling many miles from India, and then within the island itself for the sake of protecting it from the people who wanted to destroy it, found its final resting place in this temple. It was declared a UNESCO world heritage site. You can see the various rituals that are performed in the temple three times a day, roughly around 5.30 and 09.00 in the morning and 06.30 in the evening.

The annual festival of the Esala Perahera, which falls on the full moon around July or August, is in honour of this relic. This whole pageant is a sight to see with the traditional Kandyan dancers, beautifully decorated elephants, fire acts and what not. It is also interesting to note that whenever the tooth relic has been taken out for public exposition, it has almost always rained.

There are many good hotels dotted around the lake on all sides. In close proximity to the temple of tooth is the modern Kandy city centre, and the shopping complex, which is a good example of the beautiful blend of modern and ancient that this wonderful town is.

A suburb of Kandy is the town of Peradeniya. It is home to the illustrious University of Peradeniya and the Royal Botanical Gardens, the largest in the island.

Anuradhapura and Polonnaruwa are two towns which, together with Kandy, complete the so called cultural triangle of Sri Lanka. If you are a history buff, and are interested in the ancient heritage of Sri Lanka, these places are not to be missed. Both of these towns are UNESCO world heritage sites and were once flourishing capitals of ancient kingdoms of Sri Lanka. Anuradhapura was the first ancient capital of Sri Lanka, and the ruins that can be seen here today tell the tale of a rich and stable kingdom which prospered from 4th century BC till the 11th century AD when it was sacked by the South Indian Chola kingdom after which the capital moved to Polonnaruwa. The reign of King Parakramabahu I in Polonnaruwa was considered the golden era of Polonnaruwa.

Both towns have many temples, water tanks and ponds, stupas, statues of Kings and Lord Buddha and ruins of palaces scattered around and are definitely worth visiting to get an idea of the rich historical and archeological significance of these two towns. Not to be missed in Anuradhapura, is the Sri Maha Bodhi tree, which is said to have grown from a sapling brought in 3rd century BC from the sacred Bodhi tree in Gaya, India under which Lord Buddha attained enlightenment. In Polonnaruwa, the Parakrama Samudra is a place worth visiting. It is actually a reservoir which was built in the 4th century AD to keep the town self sufficient but looks as vast as an ocean, hence the name ‘Samudra.’

Another definitely not-to-be-missed place in Sri Lanka and also a UNESCO world heritage site is Sigiriya or the Lion Rock. As you approach, you will be stunned at this 5th century palace which sits on top of a 600ft rock and is visible for miles around as it rears its head out in the midst of miles of lush green flat land. It is said to have been built by King Kasyapa, who feared invasion by his half-brother and built this palace for his own protection. You can marvel at the numerous rock shelters or water gardens at the base or as you climb up the 1200 odd steps to the top, gaze at the frescoes mid-way to the top and the mirror wall which once upon a time acted as a mirror for the king but now has become a place for graffiti showing ancient Singhalese script. The lion gate, called so because of the large lion paws at the entrance, leads you to the summit which is a large flat area scattered over which are the ruins of ancient palace, including an ancient throne and a pool. The view from the top is breathtaking. You can even see Anuradhapura and Polonnaruwa in the distance. Often, it is so windy that you feel you’ll be blow away. Do not forget to take water along with you as there are no shops on the way. Apply plenty of sun block, and wear full-sleeved clothing and a cap. These precautions are necessary not only to protect you from the blazing sun, but also from occasional wasp attacks.

There is much more to the town of Dambulla than cricket! Yes, there is an international standard cricket stadium here but did you know that this historical town also houses a world heritage site? Dambulla, located near Sigiriya, is also famous for its cave temples. These cave temples are situated around 160m above the town. The five most important caves here are clustered together and can be seen after paying a small fee for the ticket. Many guides are available who will familiarize you with the history of the place and the symbolism of the various statues of Lord Buddha and other gods and goddesses. It is interesting to ponder over the fact that some of these caves date back to the second century B.C. and were used by King Valagamba as shelter during his time in exile.

If we talk about the cultural triangle of Sri Lanka, then Sigiriya and Dambulla form the centre of this triangle. It would be wise to base yourself in Sigiriya and travel and discover Anuradhapura and Polonnaruwa on day trips.

Another place worth visiting in Sri Lanka is Adam’s peak, a 2,243m high mountain located near the southern end of the Central highlands. What is the most amazing thing about this mountain is that it teaches us the unity of religions. It is venerated by people of all religions alike. The mountain is also called ‘Sri Pada’ or ‘holy footprint’ which refers to the imprint at the summit of the mountain. Buddhists believe that this is the footprint of Lord Buddha, Hindus believe it to be the footprint of Lord Shiva, it is the footprint of St. Thomas for the Christians and for the Muslims it is the footprint of Adam, the first man. The best time to climb the mountain is around December to March when camps and better facilities are provided. Most of the pilgrims start climbing around midnight and reach the summit in time to see the spectacular sunrise. Make sure to take plenty of warm clothes. Pilgrims then descend immediately as once the sun comes out, the heat often gets unbearable.

 

 

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Kotmale of Sri Lanka Holidays

Kotmale in the Development in Sri Lanka

Kotmale oya river with its origin in the Central Highlands of Sri Lanka at an elevation of 2134 m (7000 ft.) running between the two hills of Tispane and Kadadora resulted in the valley having a fertile soil, the ideal good earth for cultivation. During the glorious days of ancient kings of Lanka too, the valley had been of immense vibrancy: paddy cultivation took root in clusters of villages amidst the industries of pottery and carpentry. It was home to goldsmiths as well as blacksmiths. Pidurutalagala Oya stream, Nanu oya river, Greogory’s tank rush in their waters to the Kotmale Oya river. So are Devon falls, St Clair’s falls, Puna falls and Cat Snake Garadi falls. Since the glorious days of ancient Sri Lanka to the years of modern accelerated Mahaweli multi-purpose irrigation project, an enormous volume of water rushed in resulting in floods sinking clusters of hamlets and villages of the Central Highlands of Sri Lanka. The high watermark of floods are noted even today in the railway station of Gampola close to Kandy, the gateway to Central Highlands of Sri Lanka.

Although the necessity of a dam was observed in 1950, a couple gossip lanka  of years following the independence from the colonial British rulers, it was only in 1961 the preliminary studies of the Kotmale project were carried out by the Government of Sri Lanka in partnership with US Agency for International Development (USAID) and then again by UNDP-FAO from 1964 to 1968. During the period between 1973 and 1976, a feasibility study was carried out by the water and Power Development Consultancy Services (India) Limited (WAPCOS). In 1979, Sir William Halcrow and Partners in association with Messrs Kennedy & Donkin and the Central Engineering Consultancy Bureau (CECB)of Sri Lanka were appointed to provide consultancy services: construction work commenced in February 1979; reservoir was impounded in November 1984; commercial power generation commenced in June 1985; ceremonially commissioned in August 1985.

Kotmale Dam, reservoir and power station

The dam with a Crest Length of 520 m and Height of 122 m created Kotmale reservoir, which at its full capacity regulates 174 million cubic meters of waters of the Kotamale Oya River. The water thus impounded is utilized first for the hydro electric power generation. The contribution to the national power grid of Sri Lanka by hydro electricity at Kotmale amounts to no less than 206 megawatts. Then the water is discharged to join the confluence of Mahaweli ganga river and the Atabaghe Oya river.

But then all the good things come at a price. Sri Lanka paid a heavy price for Kotmale dam, reservoir, tunnel and underground hydro electricity power station. Kotmale project is one of the five head works projects of the mega project of Mahaweli River Diversification, the largest (modern or ancient) irrigation scheme ever in the island.
57 villages were lost. 54 ancient and medieval Buddhist temples were sunk together with 57 villages on both banks of Kotmale Oya river hugging Tispane hill and Kadadola hill. It was thousands of times worse than floods. I was ironic. Everything in the valley was lost for the rest of the time, even the floods. There won’t be floods any more, but then there aren’t any more villages either. It was analogous to throwing the baby with the bath water. But then Sri Lanka wanted the accelerated Mahaweli multi-purpose irrigation project. How do you make an omelet without breaking the egg?

The destiny of Kotmale was foretold

Today Kotmale dam and Kotmale reservoir aren’t merely monuments of modern engineering nor are they merely modern edifices of an ancient island rooted in agriculture: they are testimony to the inevitable course of destiny too. During the medieval times a Nostrdamusque astrologer mathematician by the name Kotmale Ganitaya (the mathematician of Kotmale) had predicted that one day in the future Kadadora hill and Thispane hill would meet. Kotmale dam and the Kotmale reservoir made it that the two hills aren’t apart from each other any longer: today they are conjoined with the concrete of the dam and waters of the reservoir.

Mahaweli Maha Seya Modern Stupa

In an attempt to compensate the 54 temples inundated, in the ancient tradition of Sri Lanka, the Stupa Land of the Buddhist World, a towering stupa rising to a height of 274 ft with a diameter of 200 ft (61 meters) was built by the state at the right bank above the Kotmale dam at an elevation of 950 m (4150 ft.) above sea level.

Kotmale in History of Sri Lanka

Kotmale of Sri Lanka Holidays has been a much adored village among the Sinhalese: the name of the legendary village of the Central Highlands of Sri Lanka itself brings about smiling faces and a loving hearts. The history has set Kotamale an unparalleled significance: it was the village where Prince Dutugamunu who hailed from the ancient Southern kingdom Ruhuna found sanctuary. The prince had sent a couple of bangles to his father, who wouldn’t grant permission to wage war against the Tamil Invader Elara at Anuradapura. If you are a man, you have to fight your battles to the death; since you aren’t ready for the battle, you may as well wear these bangles, the beloved ornaments of ladies.

The prince lived in disguise known by a befitting name: Gupta. It meant mystery in Sinhalese in the ancient times as it does today. The mystery was revealed by Kandula, the Royal elephant who was combing the land in search of crown prince following the death of the king. The caparisoned royal elephant escorted by the royal body guards carrying the standard Sri Lanka knelt in front of Gupta farming in the paddy field, sinking the farmers in mortal fear: the farm hand they loved yet taunted was the crown prince. By destiny, the one who treated the farm boy with selfless kindness happened to be Ran Ethana, the prettiest damsel of the village, the younger daughter of the man of the house which gave him shelter. The prince extended his hand. The hand of god made her the queen of the island.

The lion-hearted prince from Ruhuna went to battle with a great army of warriors and elephants lead by ten samsonesque commanders named Nandimithra, Suranimala, Velusumana, Gotabhaya, Pussadeva, Mahasona, Theraputtabhaya,Kanchadeva, Lahhiyawasaba and Bharana laid siege, battled and ran over Dravidian bastion by bastion all the way from Ruhuna to Anuradhapura, defeated the formidable army of the Dravidian invader and rescued the Sinhalese nation and Buddhism.

King Dutugamunu (161-137 BC) is historically and traditionally honored with the supreme title of “The Hero of Sri Lanka”. On 19th of May 2009, with the complete elimination of terrorism which wreaked havoc in the northern and Eastern provinces of Sri Lanka for 30 years, the elected popular President Don Percy Mahendra Rajapakse also from Ruhuna was tilted “The Hero of Modern Sri Lanka.” Today Sri Lanka’s development is on high gear; the tourism business with Sri Lanka Holidays is in overdrive.

Sri Lanka Holidays, such a lovely name, such a lovely place.
http://mysrilankaholidays.com

Sri Lanka Holidays, the touring Holidays of Sri Lanka suits everybody no matter the variations of interests and activities, provided snow capped mountains aren’t expected in the tropical island. The diversity and beauty of the island is such, as film director Carol Reed put it, whole of Sri Lanka is a film set. Then is the surprise, especially for the high quality tourists, the well educated and well heeled: the island brings in the vibrant heritage of a great civilization that saw 500 scholars inscribe the epitome of Theravada Buddhism,Tipitaka at Aluvihare while the hoards of painted barbarians were still at war with the legions in the beaches of Wilmer.

As Arthur C. Clarke put it, though some destinations could be compared with the natural beauty of Sri Lanka, none of those are endowed with the living testimony to such an unbroken civilization as of the island nation. The Stupa Land of the Buddhist World is home to hundreds of colossal ancient stupas and temples. Sri Lanka’s water world, the ancient irrigation networks of thousands of reservoirs extend the life line to a population of 19 million to date.

Marlon Brando doesn’t need Oscars. And for that matter, Brando doesn’t need any awards at all, for the simple reason he is Brando. The name Marlon Brando itself is the ultimate award. And he has earned his name. It is the Oscars that would have to compete for Marlon Brando award, and then again Brando dismisses himself saying he is no artist but Picasso is. Sri Lanka Holidays don’t need awards either. The joy of the tourists holidaying in the ancient island is the ultimate award to Sri Lanka Holidays.

 

 

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Lawyer Video – 3 Reasons Why SEO is the Holy Grail

To be able to tell the time in any language I would advise you first to learn the basic numbers. In this lesson I will be teaching you how to tell the time in Spanish.

Que hora es? – What hour is it? – What is the time? – kay orah es.

Es la una – It’s the one – It is 1.o’clock – Es lah ooh-nah.
Son las dos – They are two – It is 2.o’clock – s-on lahss dohss.
Son las tres – They are three – It is 3.o’clock – s-on lahss tr-es.
Son las ocho – They are eight – It is 8.o’clock – s-on lahss o-ch-o.
Son las once – They are eleven – It is 11.o’clock – s-on lahss on-s-ay.
Es la una y diez – It is 1:10
Seis y cuarto – 6:15.
Siete y diecinueve – 7:19.
Once y veinte cinco – 11:25.

Some things are totally different in Spanish time telling;

The fact that in Spanish you do  ひたちなか市 学習支援   not carry on adding after the half hour, for example you would not say 1.35, 1.40, 1.55 and so on. What the Spanish speakers do in place of this is subtract from the next hour, so in actual fact you would say, 2.o’clock minus 5 minutes or 2.o’clock minus 20 minutes etc.

Media is used to say half past the hour and cuarto for a quarter past and a quarter to any hour.

Es la una y media. It is 1.30.
Cuatro menus cuarto – 3.45.
Nueve y cuarto – 9.15.

When speaking in the 12 hour clock in Spanish you need to emphasize;

De la manana – in the morning/before noon (mediodia)
De la tarde – from midday to early evening.
De la noche – early evening to midnight (medianoche)
Siete de la manana – 7.00 a.m.
Es mediodia – It is midday.
Es medianoche – It is midnight.
Son las cuatro menos cinco de la tarde – It is 3.55 in the afternoon.
Son las ocho y media de la noche – It is 8.30 at night.
Here are some other time related expressions that can be useful:
Buenos dias – Good morning.
Buenas tardes – Good afternoon.
Buenas noches – Good evening/good night as either a farewell or a greeting.
Hasta manana – see you tomorrow.
Hasta luego – see you later.
Cuando? – When?
Es la una y media mas o menos – It is about 1.30.
Dos y cuarto en punto – exactly 2.15.
Manana – tomorrow.
Manana por la manana – tomorrow morning.
Manana por la tarde – tomorrow afternoon.
Manana por la noche – tomorrow night.
John A Perkins

Being an accomplished Spanish speaker I fully understand the trials and tribulations that afflict the beginner when starting out on a new language. Learning Spanish online [http://spanishmoment.com/spanish-online-learning/] has to be the best way if you are just starting out. You are welcome to visit Spanish Moment any time you like, where you could check out our free six part beginners Spanish course, which will give you that initial boost.

The site has been set up with the beginner in mind but also caters for the intermediate and advanced Spanish learner. You will find a free Spanish lesson [http://spanishmoment.com/free-spanish-lesson/] on each and every page. There are pages full of free resources. Why not come and visit us today?

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The Reiki Symbols Revealed

There are several Reiki symbols but most Reiki modalities use just four. Symbols are thought to possess a unique vibrational energy that helps facilitate the Reiki treatment. When they first were discovered and introduced to the Reiki practice, the symbols did not have names. They were simply called by numbers, from one to four. However, since each one of them conveys a specific purpose, they were given names.

The first symbol is called Cho Ku Rei and it is considered the Power Symbol.  ひたちなか市 学習塾   This means that during Reiki treatment the power of the universe is called upon to aid in the healing. Its literary translation is “place all the power of the universe right here.” Through this symbol, the Reiki Master is able to draw energy from the source and then he can focus on where he wants it to go.

This power symbol can be used to cleanse negative energies, to invoke spiritual protection, for treatment directed to one specific spot or organ, and to help in manifesting desires. It is also used to seal the energies of the other three symbols and even to make them more powerful. For this reason, this symbol is used at the end of the treatment so as to give it a golden seal.

The second symbol is called Sei Hei Ki, is the Mental & Emotional symbol. As is name implies it, this symbol is used to help those who are afflicted by emotional pain and/or mental turmoil.

The literal translation of this symbol means “God and Humanity Are One.” It is believed that this symbol helps activate the Kundalini, a corporeal energy located in the base of the spine. This energy also awakens during yoga and meditation creating balance between left and right hemispheres of the brain. This brings harmony, peace, and a sense of expanded consciousness. It also aids in the cleansing process, improves memory, clears energy blockages and aligns the chakras. It also provides psychic protection and eliminates negative vibrations.

The third symbol is called Hon Sha Ze Sho Nen which translates into “Distant Symbol”. As the meaning implies, this symbol is used for distance healing. The symbol enables the Reiki channel to open and deliver the Reiki at a distance, and even send it to the past or the future.

This symbol represents a combination of the five kanji or Japanese characters meaning: source, being, just, certainty and thought. The symbol also represents a Buddhist chant for right consciousness as the root of everything.

The fourth symbol is known as Dai Ko Myo and this is used to initiate the student to the awareness of Reiki degrees. This is considered to be the most powerful symbol and can only be used by Reiki Masters. This is why this symbol is not introduced until Level Three training.

This symbol is powerful because it is used to heal the soul. It relates to the patient’s spiritual being. That which has created the body, heals the body; thus, with the aid of this symbol a disease or illness can be cured. The healing starts at the source and goes through the individual energy field or aura. This symbol is also used to provide enlightenment and peace. This means that the patient can become more intuitive and even psychic.

There is another symbol that is less used but worth mentioning. It is called Tama Ra Sha, and many consider it the fourth symbol leaving Dai Ko Myo in the fifth symbol position. It is used to balance, unblock and ground energy.

The number and position of the Reiki symbols is not as important as to their meaning and the way in which each can be used. Each of the symbols can be activated in several ways. First, they can be drawn in the palm of your hand. Second, they can be visualized. Third, they can be spelled or called out loud three times each. Then they can be placed or drawn on the patient’s chakras, oh their hands or on the area to be treated.

It is for these reasons that it is essential to learn the symbols by heart, so you can draw them correctly to harness their energy. You will be provided with precise drawings of the symbols as well as learn how and when to use each when you decide to become a Reiki Master yourself.

And now that the Reiki symbols have been revealed, you can begin using them. Just remember that no matter how you use them, it is the intention is that matters.

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The Sociological Dynamics of Islamic Doctrine

The sociology of religion has always fascinated, and perplexed, me in several different ways, as Jambi University Islamic I have endeavored to understand the rationalizations of human beings who proclaim that the gods of their particular faiths are, indeed, holy, immortal, and all powerful while, through their doctrines, showing as much imprudence and changability as the most flippant mortal. The means whereby billions of individual humans are zealously persuaded that such variably interpreted scriptures and doctrines of such changeable gods are inspired and true, and that the priests, prophets, clerics, who so differently interpret the scriptures are honorable people, constitute the social dynamics of human religion.

Usually, the standardization of a particular religion’s ritualism and doctrine and can be understood by an appeal to the cannon of scripture serving as the religion’s substrate. Christianity is such a religion if its understanding is derived purely, and directly, from the New Testament of the Holy Bible, and not from Roman Catholic Papal Bulls, the Apocrypha, and the various disciplines created by the many sects proclaiming changes in, or interpretation of, the New Testament. For instance, if one hundred individual human beings, from a hundred nations around the world, all proclaiming to be Christian, were lined-up and asked what basic principles Jesus taught in his biblical Sermon on the Mount (generally considered to be the basic tenents of Christianity), all of the people questioned will say basically the same thing.

A particular religion, however, that cannot be standardized in all nations around the world, according to its cannon of scripture, the Koran, is Islam. If you ask one hundred Muslims, from around the world, if the law of abrogation in the Koran is the proper word of Allah, the Islamic deity, you will get a variety of surprisingly different responses. The reason for this is a basic confusion about the Koran. According to most Muslims, the Koran was not written or edited by any human author. Muslims will say that the Bible is corrupt, even though Moses, of the Old Testament, supposedly received the Ten Commandments directly from the finger of God; and the other prophets and Apostles of the Old and New Testaments wrote down what they received, as revelations, from God. Muslims, however, believe that Mohammed wrote down the Koran as it was dictated from the Angel Gabriel. So, with his mortal ears, Mohammed received the words from Gabriel, which he wrote with his mortal hand into a book known as the Koran. From the picture painted by Islamic historians of the Prophet Mohammed, the man was very mortal and had quite a few serious foibles which made him, and his behaviors, ultimately imperfect, and, perhaps, flawed. So, to say that it was impossible for Mohammed to write down what he personally construed to be the word of God, as dictated by Gabriel, is not correct at all. Compared with the Prophet Moses, of the Bible, who was punished at the end of his life, for one indiscretion, where he didn’t give Jehovah the credit for bringing forth water, Mohammed’s killings and murders, which he committed in the name of Allah, were infinitely more serious but apparently overlooked by deity. In terms of holiness and righteousness, this comparison illustrates the profound difference between Mohammed and the Judeo-Christian prophets he considered Infidels.

Islamic abrogation has been problematic since Mohammed proclaimed the doctrine during the time of the post-Meccan, or Median, period of islamic history. In 2007, the scholar, Johan D. Tangelder, cogently wrote about the serious issues associated with Islamic abrogation:

“Why does the “eternal” and “uncreated” Koran contain changes that only apply to its manifestation on earth? And if the Koran has no chronological order and the Medinan surahs differ from the Meccan ones, how can these changes be explained? These questions are not just for theologians to squabble about; it is highly relevant in view of the spread of radical Islamism. And the issue becomes even more complicated when the doctrine of “abrogation” is taken into account. This is part of the Muslim belief that certain passages of the Koran are abrogated (repealed or abolished) by verses revealed afterward.

“The problem of abrogation lies in two areas. Firstly, the Koran specifically says on the one hand there can be no change in the “Words of Allah” (Surah xx:65), and on the other hand “We substitute one revelation for another” (xvi:101). Secondly, in Kissing Cousins: Christians and Muslims Face to Face, Bill Musk observes: “Potentially contradictory passages of the Koran are often reconciled by means of abrogation or cancellation – the later verse (usually) replacing the former.” He notes that while the process of “revelations” by Gabriel to Muhammad was still going on, it was made clear which verses were being replaced by new revelations. And this process was applied with Koranic approval:”

“None of Our revelations
Do We abrogate
Or cause to be forgotten
But we substitute
Something better or similar:
Knowest thou not that God
Hath power of all things?” (ii:106)

“The commands to fight and to kill in the Koran are considered by Muslims to be among the recitations made very late in the Prophet’s life, at the time when his conquest of Arabia was almost complete. Muslim scholars have inclined to read the peaceful texts as subordinate to the later ones. In other words, Muslims seeking to find a “peaceful message” in the Koran must fight not only the plain meaning of the Koran’s text, but also the course of its history. From the first, Islam was a religion of pillage, violence, and compulsion, which it justified and glorified. The expulsion of Jewish tribes from Medina, the raids against the Meccan caravans, the siege of Vienna later in 1529, and Hamas and Hizbollah today are part of the Islam historical record. There is, therefore, a link between Islamic tradition and the current acts of violence committed by radical Islamics around the world. How does the concept of abrogation work in practice? Peaceful passages in the Koran were considered to be superseded by materials with a warlike tone, especially Surah ix. David S. Powers, professor of near eastern studies at Cornell University, has noted that Muslim scholars such as Ibn Salama (d.1020) claimed the “sword verse” (ix:5), “Slay the idolaters wherever you find them, and take them (captive), and besiege them, and prepare for them each ambush. But if they repent and establish worship and pay the poor-due, then leave their way free” had abrogating power over 124 other verses, including “every other verse in the Koran which commands or implies anything less than a total offensive against the non-believers.” These warlike passages in the Koran encourage Islamists to continue on with their terrorist activities, disavowing the peace passages. Bill Musk rightly argues: “The Islamists make detailed appeal to verses (about killing non-believers for example) that are said to abrogate other verses (about respecting non-Muslims). Why does an eternally existing word need recourse to a doctrine of abrogation? Could it not make up its eternal mind?”

‘Independently of the actual conduct of many Muslims, Islam itself is inherently an unsettling and threatening factor in world politics. But the real threat to Western democracies is their refusal to face reality of radical Islamism. Consequently, interpreting the words of the Koran so that we can get a better understanding of the complexity of Islam is a large challenge. In view of the high stakes in the world today, however, it is a challenge we should take up.”

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Alternate Energy – Ireland Aims For Self-Dependence

Though Ireland has to depend on imports for meeting 90% of its current energy needs, it is currently aiming to produce 15% of the nation’s electricity needs through wind farming by 2010. However according to views expressed by universities and research institutions, Ireland’s ocean wave energy could be the real driving force for the country’s economy and can go a long way in making the country self-dependent.

In a move to further develop the country’s efforts to generate energy from ocean waves, a new testing site has been identified about two miles off the coast of An Spideal in County Galway Bay, popularly referred to as the Wavebob.  kk-leap  According to Dr Peter Heffernan, CEO of Ireland’s Marine Institute, the most powerful ocean waves of the world can be seen off the west coast in Ireland. With this as the backdrop it can easily be presumed that in future Ireland could become the world leader in the technology and implementation of harnessing ocean power for alternate energy generation.

According to David Taylor, CEO of the Sustainable Energy Initiative, or SEI, ocean energy is one of the most promising alternate energy resources of the future and it could very soon help Ireland with its electricity needs reducing its dependence on fossil fuels significantly.

The other development is with the termination of sugar beet industry, there is an increased opportunity to use Irish land resources for other purposes including production of bio-energy. This is confirmed by Padraig Walshe, the president of the Irish Farmers Association. The current scenario in Ireland is that renewable energy sources can meet only 2% of the country’s total energy demand. Because of low return on investment from energy crops, it is acting as impedance to the growth of the industry. Of course, energy from biomass should be further researched by the country to get maximum benefits.

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There are several Reiki symbols but most Reiki modalities use just four. Symbols are thought to possess a unique vibrational energy that helps facilitate the Reiki treatment. When they first were discovered and introduced to the Reiki practice, the symbols did not have names. They were simply called by numbers, from one to four. However, since each one of them conveys a specific purpose, they were given names.

The first symbol is called Cho Ku Rei and it is considered the Power Symbol. This means that during Reiki treatment the power of the universe is called upon to aid in the healing. Its literary translation is “place all the power of the universe right here.” Through this symbol, the Reiki Master is able to draw energy from the source and then he can focus on where he wants it to go.

This power symbol can be used to cleanse negative energies, to invoke spiritual protection, for treatment directed to one specific spot or organ, and to help in manifesting desires. It is also used to seal the energies of the other three symbols and even to make them more powerful. For this reason, this symbol is used at the end of the treatment so as to give it a golden seal.

The second symbol is called Sei Hei Ki, is the Mental & Emotional symbol. As is name implies it, this symbol is used to help those who are afflicted by emotional pain and/or mental turmoil.

The literal translation of this symbol means “God and Humanity Are One.” It is believed that this symbol helps activate the Kundalini, a corporeal energy located in the base of the spine. This energy also awakens during yoga and meditation creating balance between left and right hemispheres of the brain. This brings harmony, peace, and a sense of expanded consciousness. It also aids in the cleansing process, improves memory, clears energy blockages and aligns the chakras. It also provides psychic protection and eliminates negative vibrations.

 

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Highlights of Rio De Janeiro in November, Part I

Competitors in every sport want to be at their best. And being at your best includes the right apparel. Equestrian apparel is especially important because unlike casual riding, competitors in English riding must appear sleek, refined and in control at all times. In the show ring, the judges want to be looking at the way you and your horse communicate and how well you control and direct your horse. Loose fitting clothes have no place in show riding as safety is of the utmost importance. English riders also need their show clothes to reflect a neat, subdued and elegant air, so that their riding skills and the training of the horse shine through.

Dressage, hunt seat, and pleasure classes each    happy-suger   have specific requirements regarding equestrian clothing. It is up to you to check with the sponsoring organization to get the details of your equestrian clothing needs.

Show Clothes From Head To Toe

Starting at the top, helmets are the most important accessory because they may save your life in a fall. An ASTM F-1163-01 and 04a/SEI certified helmet is a mandatory part of your equestrian clothing any time you are on or working around a horse. These helmets are tested for the rigors of riding. Helmets are sized by measuring the circumference of the rider’s head.

The Importance Of A Show Coat

The first part of show clothes that judges will notice is a rider’s show coat. A properly fitted jacket should give you a trim appearance with squared shoulders and a narrow waist. To check for a good fit, you should be able to take a pinch of approximately one-inch of fabric from the sides of the shoulders, which will allow the freedom of movement you need.

The waistline of your jacket should be at your natural waistline. The length of your show jacket should take it just to the bottom of your buttocks. Show jacket sleeves are measured at one inch below the wrist. Show coats are generally beige, gray or a dark color. Dressage show coats are black.

Underneath Your Show Coat

Under the show coat, women wear a ratcatcher and men wear a buttoned shirt. Getting the right fit is crucial to creating the right image while allowing you to ride safely and effectively. Ratcatchers are extra long-sleeved shirts with a short, upright collar. Ratcatchers and shirts should be form-fitting yet allow the rider the necessary freedom of movement with show clothes.

Riding shirt sleeves are generally two inches longer than normal clothing, to allow you the reach when jumping. After putting on your show jacket, one-fourth to one-half inch of your shirt cuff should show. Ratcatchers are normally white or of a pale color. A stock pin should be worn with your ratcatcher. Men are required to wear a button-down shirt with either a tie or a stock pin.

Jodhpurs And Breeches

Jodhpurs are riding pants with an elastic cuff that is worn over your horse riding boots. They are also essential if you are wearing paddock boots. When sizing for jodhpurs, measure your inseam plus one inch with your paddock boots on. If you will be wearing your jodhpurs in the show ring, try to find a color to match with your show jacket.

Breeches come in many styles, including front-zip, pull-on, side-zip, low-rise and full-seat. You’ll want to make sure that your breeches maintain the overall trim and professional look of your equestrian clothing. Show breeches are normally beige. When shopping for most show clothes including Jodhpurs and Breeches, fabrics with Lycra are ideal in order to provide a trim fit with stretch for movement.

Boots Made For Riding

Your field or dress tall black boots must fit properly. Since manufacturers differ, you must use the sizing chart for the horse riding boots that you are buying. Most horse riding boot sizing charts will ask for calf and height measurements, plus your normal show size. Calf measurements are taken at the widest part of your calf, with socks and riding breeches on, while seated. The height measurement is from the base of your heel to the top of your lower leg plus one inch.

Tall horse riding boots must fit snugly in all the right places to give you the look and support you need to do well in the show ring and to complement the rest of your equestrian clothing. Those with hidden zippers will give a snug fit and will be easy to put on.

Dressing with the appropriate equestrian clothing for competitive events not only will showcase your command of the sport, but will also provide the safety you need when jumping. Wearing the proper show clothes also shows respect for the elegance and control of English riding.

Anne Coyle writes for The Equestrian Corner. They provide high quality show clothes and equestrian clothing that define the elegance of English riding while providing safety to the rider.

 

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English Equestrian Horse Riding Apparel & Riding FAQ’s

English riding showcases the ability of the rider to control every move of the horse through use of the reins and the rider’s legs. Riding a horse was common in civilizations throughout history, dating back thousands of years. Horses were used by many civilizations as transportation, co-workers, draft animals, friends and entertainment.

Though there are other styles of riding today, equestrians hail English riding as the most elegant inside or outside of the show ring. But it’s not only the rider’s skill that sets English riding apart. The horse riding apparel that English riders wear is not only functional but also very stylish.

What’s The History Of Riding Horses?

When man first started interacting with horses,    alesco   they didn’t initially ride them, but rather used them to pull carts and chariots. No one knows which civilization first started riding horses, but through artifacts historians have established that the first equestrian equipment likely consisted of no more than a rope around the horse’s neck and a blanket or mat of some kind to protect the rider.

Actively breeding horses for domestic use did not occur until 1000 B.C. and it wasn’t until the medieval period (the 5th to 15th centuries) that horses were categorized. Instead of categorizing by breed, horses were categorized by their use. Horses used to pull carts were called carthorses and horses used in war were called chargers. These areas of specialization eventually led to a divergence in equestrian equipment and horse riding apparel.

What’s The Difference From English Saddles And Western Saddles?

English saddles are much flatter and more lightweight than their Western counterparts. The English saddle does not have a horn and the stirrups are much lighter and simpler than Western equestrian equipment. In the same way, English horse riding apparel stays with this focus on control and formality by insisting upon sleek lines, trim forms, and subdued elegance.

In English riding, the English saddle is placed over a saddle pad of minimal size. A lightweight bridle is used and, in some cases, a martingale or chest plate may be used. While significantly different in size, weight, and construction from that of a Western saddle, there are many different types of English saddle, depending upon its intended use.

English saddles used in jumping are far different from dressage saddles. Pleasure-riding or all-purpose saddles merge the benefits of several different styles of English saddle to make it more useful for the casual rider. Most English riders carry a crop when riding. English equestrian equipment is maintained in a clean and well-oiled manner, demonstrating the elegance and art of English riding.

What Horse Riding Apparel Is Appropriate For English Riding?

The goal in dressing for English riding is to demonstrate control over yourself as well as your horse. Loose hair and clothing are avoided, as are overly revealing garments and shabby work clothes. The English rider does well to take pride in their appearance wherever they are riding.

English horse riding apparel consists of a pair of paddock boots or tall boots worn with jodhpurs or riding breeches. In the show ring, women wear a short-collared ratcatcher shirt with a stock pin at the collar, while men wear a long-sleeved button-down shirt. Ratcatchers and other riding shirts have longer sleeves than street wear to allow the necessary freedom of movement required when jumping.

Many English riders are also seen wearing short, trim riding gloves. In the show ring, all English riders, except in some dressage classes, are required to wear an ASTM/SEI approved riding helmet as part of their regular horse riding apparel.

Sometime in the last 6,000 years, people have gone from riding bareback on wild caught horses to the exquisite art and formality seen in Olympic level dressage shows. English saddles facilitate the movement and grace necessary to the English rider. The equestrian equipment used today reflects that same measure of stately elegance and precise control seen when individuals ride in the English style.

Anne Coyle writes for The Equestrian Corner. They provide high quality English Saddles and horse riding apparel that define the elegance of English riding while providing safety to the rider.