Connect with us

How to

How To Provoke A Shark Attack



A shark attack is usually evidenced by a shark bite of some sort and can happen is as little as two feet of water! But attack is much better for a newspaper headline to entice people to read the rest of the story.

If it was a dog then unless it was a pack of dogs the story would be about “dog bites person, child or other dog” unless of course it was a pit bull that was involved. It’s all a matter of perception.

Anyway, it is pretty hard to get a shark to bite you but here are some pointers that will help increase your chances. First, is to go swimming early in the morning, at dusk or at night which is when many sharks feed and to further increase your chances then splash a lot to attract the shark’s attention.

Second, if you are a spear fisher make sure you spear a lot of fish and then drag the dead fish behind you which is like ringing a dinner bell for the sharks in the area. If the fish you speared bleeds a lot so much the better.

Third, disregard any signs that warn of shark sightings in the area because it’s probably a ploy to keep swimmers out of the water. What are your chances of getting bitten even if a shark has been sighted recently? In fact your chance of getting struck by lightning are higher than a shark attack. The people who put up the signs are probably just fear mongers!

Fourth, if you see birds diving into the water for small fish jumping on the surface of the water then definitely swim over to the action and see what is causing it. Of course, it could be a very large fish such as a shark chasing the small fish! But if you have a camera imagine what kind of photos you can get especially if the shark attacks you.

Fifth, go skin or scuba diving and if you see a small shark make sure to grab its tail or dorsal fin. This will help you get very friendly with the shark because the shark will understand you are just playing with it and mean it no harm. So when the shark spins around and bites you please don’t take it personally.

Sixth, when you are in the water and see a substantially sized shark make sure to try to get as close as possible to it. In fact, invade its personal space as quickly as possible to get a great photo or life experience moment. If the shark starts arching its back and moving its side fins erratically there is no need to worry because the shark is just trying to show you affection. In fact a great idea is to try to pet it as it arches its back and turns its body side to side to show your own signs of affection towards this beautiful creature.

Seventh, make sure you swim alone and also make sure you go out as far as possible. This way the shark has not problem in picking you out because you will be the only moving object that may or may not be perceived as the meal of the day. And once again please splash a lot when you are as far out as you can possibly get so the shark/sharks have an easier time to sense you. Please make sure you do this on a deserted beach so someone else does not have to risk their life saving you from your own stupidity!

Eighth, Since you have all that bling make sure you wear it when you enter the ocean. Whether it’s a fancy watch, gold chain or ring do not forget the to keep it on so you can look good underwater or while you swim. In fact the fish will be very impressed by all your jewelry especially the barracudas and sharks not to mention the morays. It will be easier for the predators to use their vision to target you instead of having to use the others they have. The shinier the better!

Ninth, if you are bleeding then without a doubt go swimming, diving or surfing and make sure the salt water keeps the blood flowing. Just because the shark can detect your blood a half a mile doesn’t mean you should be concerned. In fact if you are wearing a lot of shiny jewelry, swimming alone at dusk in an area known for shark attacks then you will definitely maximize your chances of encountering a shark or many sharks.

These are just a couple of methods to provoke a shark which may or may not result in biting you which may cause serious injury or death. Feel free to add any other actions a human can take to entice a shark to attack.

google news

How to

What Is a Dental Bridge and Who Needs One?




Dental bridges, as the name connotes, bridge the gap between missing teeth. They consist of two or more crowns for teeth on one or the other side of the gap; the abutment teeth, which are the anchoring teeth; and false tooth/teeth in between them. Pontics as these false teeth are called, can come in gold, porcelain, alloy or a mixture of these materials. Implants or natural teeth hold these devices.

The Process of Getting a Dental Bridge

On the first visit to get such a device, the dentist makes ready the abutment teeth. He recontours these teeth by filing part of the enamel to provide space for a crown to be placed above them. He then makes impressions of the teeth to serve as a mold that will be used by the dental lab to make the bridge, crowns and pontic. In the meantime, he will create a temporary bridge to protect teeth and gums that are exposed during the time the final version is being made.

On the second visit, the dentist will remove the temporary version and will place the new metal/porcelain bridge, which will be examined and adjusted as needed to make it fit properly. This may require multiple visits in order for the bite and fit of the metal framework to be checked. This actually depends on every patient’s case. If it is a fixed dental bridge, the dentist may put temporary cement on it for a few weeks to ensure proper fit. Then, after another few weeks, the device is permanently cemented.

The Cost of Dental Bridges

When it comes to this type of devices, the costs involved depend on the type of bridge chosen and the part of the country where the procedure is carried out.

The Longevity of Dental Bridges

These devices can be used from five to fifteen years and at times, even longer. It is expected to have a life span of more than 10 years when the patient practices good oral hygiene and regular dental visits.

Eating with a Dental Bridge

When missing teeth are replaced with a dental bridge, it makes eating a lot easier. However, if the person is not yet used to wearing the device, it would help to eat small pieces of soft foods.

Speaking with a Dental Bridge

It is hard to speak clearly with missing teeth. On the other hand, using a dental bridge with the anterior teeth in proper connection enables the person to speak more clearly.

Caring for a Dental Bridge

It is critical for remaining teeth to stay healthy and strong since the outcome of the bridge (based on the type chosen) relies on the foundation that the surrounding teeth provides. Practicing good oral care that includes brushing twice daily, flossing and using a mouthwash everyday prevents tooth decay as well as gum disease than can cause tooth loss.

It would help to ask a dentist/dental hygienist for advice on proper brushing and flossing. Regular cleaning will enable the dentist to diagnose problems right from the start, when it is easier to treat. It is also important to choose a well balanced diet to have proper nutrition.

google news
Continue Reading

How to

What is God’s Horsemanship?




God’s Horsemanship is an idea that God gave to me one day while cleaning stalls. I was doing a little day dreaming thinking about all the different types of horsemanship that I hear about today, especially this “natural horsemanship” business. Seems everyone has their different version of natural horsemanship. These trainers & clinicians put a different name in front of it so that it sounds different & they can call it there own, but if you watch a lot of them closely they are all basically using the same methods with their own little twist here and there, doing the same thing getting the similar results. Now I won’t say that theses trainers and clinicians aren’t talented, I learn a lot from many of them today and I commend them for their hard work & knowledge.

But for me it goes a little deeper than just horse training. While I was still in the stall I started thinking to myself… what is natural horsemanship who came up with this?

God created horses didn’t he (Gen.1: 24-25) Then he created man to manage over these animals (Gen.1: 26) then he allowed man to give them names (Gen.2: 19-20).

Who gives me ability to train these horses? So I started to think a little further about the methods I have learned & use to train horses. Then it occurred to me that what I was doing wasn’t natural horsemanship it was God’s Horsemanship.

God’s horsemanship to me is my relationship with God & then animal and in this case the horse. This relationship has allowed me to learn from God and the horse, which teaches me a lot about myself and the things I need to change in my life. Also my relationship with the horse teaches me more about God’s personality & how my relationship with him should be.

Gods ultimate goal is to gain our trust in him and likewise our ultimate goal is to gain our horses trust in us. For example I find that God allows certain pressures in our life (never more than we can handle) until we surrender and begin to rely on him in order for him to achieve greatness with us, likewise when I am training a horse I allow a him to feel a certain amount of pressure (never more than he can handle) until he surrenders and learns to rely on me in order for me to achieve greatness with him.

I also learn lessons from the horse, for example horses don’t see color lines or particular races. All they see are human beings. When my horse and I are in disagreement about something on a particular day we can stop come back the next day and he’s forgotten all about the day before. Horses hold no grudges with people, so this is how we should be with one another. Horses are always willing to try again, very humble.

I have many other lessons I learn everyday but I just wanted to share a few.

google news
Continue Reading

How to

What Is the Best Leaf Blower for the Money?




What is the best leaf blower for the money?

To settle for your ideal blower you must consider the following as a guide to the best blower for the money.

1. Type of the leaf blower

Gas blowers can be handheld, backpacks or walk behinds. You should choose a gas leaf blower depending on the size of the area you want to clean. Handheld gas leaf blowers are perfect for those with small areas. Larger areas will demand that you either use backpacks or walk behind gas leaf blowers.

2. Functionality

You have the option of choosing a simple gas leaf vacuum blower that will only gather the leaves and debris into a pile. The other option is to select one that is multifunctional, to mean that it has three in one capability. These models have the vacuum and mulch capability. You are able to collect the leaves into a pile, then shred them and convert them into mulch.

3. The CFM Power

The choice of the CMF power for your ideal gas leaf blower will largely depend on the size of the area you want to clean and how fast you want to finish the task. For small lawns, leaf blowers with a CFM of between 200 and 300 CFM are perfect. For areas with large leaves a, twigs and wet leaves chose a leaf blower of 350-400CFM. For large regions> 400CFM will be best.

4. Emissions and noise

Before you purchase a gas blower kindly check with your state laws that guide on noise and emissions. The manufacturer specifications will be a clear guide to emissions.

Bets gas blower review 2018

To make your work easier in selecting an ideal; gas blower, we have highlighted 2 best gas blowers in this review.

1. Hitachi RB24EAP Gas Powered Leaf blower

This is a handheld blower, one of the lightest yet powerful model (8.6LBS). It is perfect for both small and larger areas. It has a CFM OF 441. Operating with two big finger throttles is easy.

It is designed as a low emission gas leaf blower. It emits fewer fumes, to mean that it is environmentally friendly in its operations.

The blower has airspeeds of 170 mph if used with a taper nozzle. These speeds are adequate to work in both small and large areas. Your work to remove debris and autumn leaves will be made easier with the Hitachi RB24EAP gas powered blower.

2. Makita BHX2500CA 24.5 cc gas leaf blower

Makita BHX2500CA gas blower becomes the lightest in its class. It is only 9.8lbs; you can quickly move around with the gas blower without fatigue. It features a 4 stroke motor that makes it highly efficient. It is an upgraded model form the previous 2 stroke Makita

This model emits less noise when compared to the 2 stroke Hitachi version. Its big capacity muffler ensures that it produces less noise while in operation. It is has been engineered to produce fewer emissions, therefore environmentally friendly. It is easy to start and use. The exhaust emissions are CARB Tier III and EPA phase II compliant. Its 4 stroke engine is highly fuel efficient; it can save up to 60% in fuel cost.


Gas blowers are ideal gardening tools that will assist you to accomplish your cleaning work efficiently and fast. This article highlights the best gas blowers for your money and the factors that you need to consider as you select the ideal gas blower. Consider one of the tow gas blowers is having discussed above and your compound will remain clean and tidy always.

google news
Continue Reading

How to

Recent Headline in the Daily Mail – "What IS the Point of Saving?"




As the Daily Mail headline shouted – “What is the point of Saving”- let’s take a closer look at what the fuss was all about in all the papers recently, and what can be done to create a more fair and rewarding playing field for savers. Bear in mind I am no qualified investment person, but I do have experience in making money out of Forex Trading, and back in 2006, saw the massive opportunity to use gold bullion price changes, to make a lot of money.

If you look at the NS&I web site, you will see that they advertise this as being “A Piece of Cake”, and “Open Your Account with just £1, Enjoy Easy Access to your Savings”, but let’s look at some cold hard facts.

If you are a saver who regularly saves say £100 per month in this scheme, with an annual return of 1.5%, for every £1,000 invested over 12 months, you will get paid interest of £15.

But, with inflation eating into the spending value of your money at around 2% per annum, your £1,000 in savings will actually lose around £20 of its spending power, so your “savings plan” in reality made a loss of £5.

Looking into this in more detail, we know from The Telegraph recently, that there are millions of savers in this scheme, so let’s assume that there are at least 100,000 subscribers who also save £1,000 or more per annum. I make that around £100 million.

At Government level that sum could easily be traded on the Currency markets, and I understand there are some such Trades that could pay out up to 100% every 90 days. (See above on my own rewarding Forex experience, and that was using just a few hundred pounds as my stake money).

The trouble with virtually any savings scheme that is based on any “FIAT” currency, is that its value is based on nothing other than promises from the Government that issued it (such as The Pound, Dollar Euro etc) and as such, is constantly being devalued due to constant inflation.

However, if you were to exchange some of your FIAT currency for Gold Bullion on a regular basis, I believe that would paint a totally different picture. Look at some figures below, which shows what happened to gold bullion prices between 2000 and 2020.

Between the beginning and end of 2006, Gold went up in value from £9.78 per gram, to £10.17 which was when I first started getting involved in Forex Trading and made a KILLING trading in Gold, unlike my disastrous property investment activities at that time, due to all btl mortgages becoming deregulated.

By the end of 2019, the price of a gram of gold had reached £38,89.

At least with Gold, YOU can decide at what value you sell it, if the price is not right for you, don’t sell until it is. (Or only sell what you need to survive).

If, instead of investing £100 per month with NI&S, you had signed up for a FREE account with something like Karatbars, and decided to exchange £100 of your inflation-ridden “FIAT” currency into 2.5 grams of Gold Bullion, at the end of the year you would own approximately 30 grams of gold. Even if the value was slightly less after 12 months, you know that its historical trend will always eventually be UP.

Now, if I may dare mention the words “Network Marketing”, and you believe that all network marketing opportunities are a Pyramid, or a Ponzi rip-off scam, then please read no more. (If you are still here) – I think you can see, the massive advantage of exchanging some of your “FIAT” currency, for gold bullion.

If you find that saving in Gold Bullion turns out to be very beneficial to your wealth, and because it doesn’t cost anything to become a customer in this savings opportunity then what is wrong with telling your friends, family, and business partners about it? After all, you are not “selling” them anything, you are just sharing your good fortune.

As long as you are participating in this saving scheme yourself (putting YOUR money where your mouth is), why not help everyone you know, to do the same? And then why not use some more of your FIAT currency to upgrade from just a “customer”, to becoming an “Independent Affiliate” of one of the various companies that offer this service,

As an independent Karatbars affiliate, when you get your friends and family involved in this network marketing opportunity – where you are not selling anything – just getting your contact to do as you, and exchange as much inflation-riddled Fiat currency as you can afford into gold bullion – it is a win win for all concerned.

Also, when making your selection, make sure the company you go for has also got its own gold-backed Crypto currency. Like many other people, when Bitcoin was launched, back in 2009, even though they were being sold for a few dollars each, having burnt my fingers with property investing back in 2007 I considered it with suspicion, and walked away from what was probably the biggest opportunity of a lifetime.

These new-fangled coins were selling last year at around $20,000 EACH, and they were not even Gold-Backed. So, think of the opportunity, if a new, unique gold-backed crypto coin was released into the marketplace.

google news
Continue Reading

How to

What Is The Purpose Of A Newsletter?




One of the primary purposes of a newsletter is to grow a list of prospects who are interested in the niche your newsletter is about. And of course, this is because the main purpose of a newsletter is to generate revenue for the owner. All other activities, such as giving away freebies and increasing traffic to an online newsletter website are secondary purposes meant to attract more subscribers and thus are ways to generate more sales in the future.

Savvy internet marketers use a newsletter as a way to pre-sell their subscribers. They send them free, high quality, useful information at regular intervals knowing that their readers will come to trust them and to believe that they really do have the ability to help them with whatever problem they are trying to solve. This is much more effective than attempting to close sales immediately, as many sales pages attempt to do.

Most people must be exposed to a product or service repeatedly before they will purchase it. On the average, a prospect visits a sales page SEVEN times before deciding to purchase. You can cut this number down by pre-selling your product or service through your newsletter.

So, how do you pre-sell your product or service to your subscriber?

You do this by writing articles related to whatever product or service you are offering to your prospects. For example, if your product is an e-book about list building, you would write several articles that teach your subscriber some basics about list building. Once you have published several of these articles, refer your subscribers to your product which includes more or more advanced ways to build a list.

Unfortunately, many new internet marketers do not understand this and will often end up avoiding list building because they feel that it is a time consuming activity that may not yield any profit in the long run. This couldn’t be further from the truth. As any successful internet marketer will tell you, “The money is in the list”!

A newsletter is one of the major building blocks of a successful internet business so setting up your newsletter properly from the very beginning is vital for your success. Publishing your own newsletter is the only real and almost effortless way to earn a steady income on the internet as it is an easy way for you to contact both your prospective and current customers.

Research shows that people read newsletters four times more than they read advertisements or brochures and are 7 times more likely to purchase a product from you than someone who is not your subscriber.

A good newsletter can improve your brand awareness, increase recognition of your name, establish you as an authority in your niche, and also help to set your business apart from your competition.

As a newsletter publisher, you can easily and conveniently spread your marketing influence and expertise to your subscribers.

google news
Continue Reading

How to

What Is Designer Furniture?




Designer furniture is furniture that has been designed by an individual or a company to be very fashionable and contemporary in style. It is often unique and usually made from the best materials. Because designer furniture is very stylish and made very well, it is usually pricier than mass-produced furniture.

Some people are under the impression that designer furniture is uncomfortable and expensive but this is not the case. Admittedly sometimes pieces are uncomfortable and overpriced but most are designed with comfort as well as style in mind and most are fairly priced.

Throughout history there have been notable furniture designers that have made outstanding creations that are still very sought after.

An example of a notable furniture designer is Charles Rennie Mackintosh. He was a Scottish designer and part of the Arts and crafts movement. He is well known for his striking chairs with high backs. These were designed for the Argyll Street Tea Room.

A more modern furniture designer is Terence Conran who founded Habitat.

A company well known for furniture design is Knoll. Their famous tulip chair, by Eero Saarinen was created in the 1950’s but is still very much in demand today. It is made from aluminium and moulded fibreglass reinforced plastic and can be customised with a choice of coloured seat pads. The simple design is beautiful. They are also famous for the Barcelona Chair by Ludwig Mies Van Der Rohe. This was designed in 1929 but has been widely copied since the 1960’s.

The designers of today could one day be in this league and so it pays to look after any pieces you buy.

When you look to buy designer furniture you obviously need to make sure that you are buying the genuine article so look for makers marks. Also look at the quality of the workmanship and the materials used.

If you are looking to make an investment in the hope that it will rise in value, make sure that you research the designer you are interested in and see how the value of their work has changed over the years. Also look at how well known they are compared to what potential you think they have. Catching a young design graduate before they hit the big time can net you a great bargain.

If you are buying designer furniture make sure that you really love the piece because they don’t always go up in value.

Designer furniture is great because it leads the way and the High Street follows. It is made well and from quality materials. If you love quality goods and fashionable design then this type of furniture could be just for you.

google news
Continue Reading

How to

What Is Local SEO and 5 Reasons Why It’s Important




What You Don’t Know Online Can Hurt You

How do you know if you need a local SEO strategy? The critical word in this question is “local.” Do you own a business that draws in customers from zero to 15 miles away? Would potential customers looking for your products and services drive up to ten minutes to get to your business? If you can answer yes to these questions, chances are you need to manage your local SEO strategy.

So, what is local SEO? And why is it important?

What Is Local SEO?

Local SEO involves optimizing your online presence to attract business from local searches on Google and other search engines. According to Hubspot’s local SEO statistics, 46% of all Google searchers are looking for local information. And 72% of consumers who searched for a local product or service using local SEO near me searches visited a store within five miles.

So, does local SEO work? It sure did if you were one of those businesses. Are you wondering where to start? To illustrate the benefits of focusing on local SEO, we’ve put together a list of five reasons why it’s essential for your business success.

5 Reasons Local SEO Is Essential for Your Business Success

Reason #1 – Your Business Details Appear in Front of Consumers Looking for Your Products and Services

Remember the good old days when you scoured the yellow pages to find businesses offering the products and services you needed? Today, all you do is type the product or service you’re looking for into a search engine on your laptop, desktop, or mobile device. The businesses that provide those products or services will pop up. And, if you type “near me,” it’ll show you everything close enough to drive to from your current location.

Pretty slick. Those local SEO “near me” searches save you time. Just choose what you like, pull up the map and directions, and you’re good to go. If you look at those results carefully, you’ll see they’re populated by online business directories, much like the yellow pages of bygone days.

When you compare local SEO vs. organic SEO, both are still important. You want a content marketing strategy that helps your pages rank in search engine results for specific keywords and keyword phrases (the goal of organic SEO strategies). But local SEO is critical for businesses that serve a localized community. It’s somewhat less important for global companies that draw customers from all over.

Reason #2 – Consistently Accurate Online Directory Citations Boost Your Organic and Local Pack Rankings

You must list your business name, address, and phone number accurately and consistently across the top-ranked local citations and business directories. That information is referred to as your NAP Data (name, address, phone). A search engine bot is more likely include your business in the search engine results pages (SERPs) if it’s confident that your information is consistent and accurate.

That seems fair. Do you think you might get frustrated if Google sent you to a business that isn’t there or gave you a phone number that’s no longer in service? Search engines want to find this basic information about your business in numerous places throughout the internet.

When they find that information in several places-and it’s all consistent and correctthey trust the data. But if Google or Bing, for example, see confusing, inconsistent data, they consider it less valid-less reliable. Therefore, search engines are more likely to bypass you in favor of a business with more consistent NAP Data.

Reason #3 – Your Business Site Gets More Links Back to It from Authoritative, Trusted Sites

Backlinks, or links pointing to your site from trusted, authoritative websites, play an essential role in SEO. They validate your website’s existence, proving that your site is a viable force in the vast internet universe. Additionally, some directory citation sites add a website URL field to their listings and display these URLs as ‘dofollow’ links. That passes valuable link equity to your site. Search engines use backlinks to determine your domain authority, boosting your SEO (as opposed to ‘nofollow’ links, which are nice but don’t give you any juice).

Want another great way to snag a backlink while doing something else worthwhile to build your business? Join the local chamber of commerce or other business group. Doing this will provide a relevant local link back to your website, and you can network at local events. While you’re at these events, you might pick up some business or even more backlink opportunities.

In addition, if you have vendors or are a product provider, you may want them to link to your website as well (with a dofollow link, of course).

Reason #4 – Your Business Will Be Closer to Landing on the First Page of Search Engine Results

Online business directories take up quite a bit of real estate on search engine results pages (SERPs). As a result, local businesses they list in their directories get top billing on local search queries. If you’re not on those lists…

You need to know how to get your business listed in these local citations business directories because you’ll lose out on valuable business. And what you don’t know online can hurt you.

You might have the best pizza in town, but if the guy across town doesn’t find you when he searches for “pizza near me,” he’s going to go buy his pizza from your competitor. And that brings us to Reason #5.

Reason #5 – Your Business Will Gain Opportunities for Third-Party Reviews

Here are the three core pillars for ranking well in the Google Local Map Pack.

  • Relevance

How well do you target the keywords or topics your potential customers would search for on your website?

  • Prominence

How well does your business stand out online?

  • Proximity

How close is your business to the potential customer searching for your products or services?

We’ve touched on relevance and proximity. Now it’s time to talk about prominence: the positive reputation and comments your business enjoys across the internet. How do search engines find this information? Many citations and directories allow customers to post reviews and grade their experiences with local businesses.

If you deliver excellent service, your business will benefit from this added perk. But it’s not enough to get good reviews. You should also respond to them. And, if you get a negative review, don’t sweat it. Just be sure you keep your cool and respond appropriately. Work on resolving the issue as quickly as possible. Even a simple apology is better than no response at all.

More Tips for Local SEO

Local SEO for multiple locations, list all of your staffed locations, including the complete name, address, and phone number on a Contact Us page on your site.

For businesses with 10 or fewer locations, list the complete name, address, and phone number of each location in the sitewide footer.

Make sure people can easily find your phone number on your website-and that it’s clickable on mobile devices.

Just as you want to be consistent on the directories, make sure your NAP Data is consistent across all pages of your website.

If your business serves multiple locations, you need a separate page with unique content for each site. Avoid copying and pasting from one page to the other.

Customize Your Local SEO to Your Business Type

So, what you don’t know online can hurt you. If your business isn’t working on a local SEO strategy, you’re leaving money on the table that your competitor across town will pick up.

Local SEO works well, but it takes time and patience just like organic SEO. That’s why many businesses hire a local SEO agency to put all the pieces together.

google news
Continue Reading

How to

What Is Financial Overcommitment




Before the introduction of easily available credit facilities managing budget was fairly easy, you’ve either had the money or not. Every large purchase was preceded by adequately long period of time required to save up enough funds. Today, however, consumers are more concerned with available credit rather the balance of savings account. While credit cards and loans seem to be providing a bottomless source or cash the truth is that even those with best credit history sometimes become victims of overspending and are labeled by credit referencing agencies as ‘overcommited’.

What can cause overcommitment? In very simple terms, overcommitment happens when lenders believe that you’ve borrowed more than can be safely paid off with your existing income. Depending on your credit history this could be triggered by mortgage and multiple credit facilities but sometimes even a maxed out credit card can prevent you from borrowing any more money. Every case is different and largely depend on three factors: credit history, income and used credit lines.

How do you know that lenders labelled you as overcommited? Well, the most obvious sign is being refused any more credit. As with most financial services, this process is not transparent and leaves banks much decisive power in this respect. Keep in mind that most lenders have different applicant criteria and even if you have been accepted for a high interest credit card or other loan there is still risk involved. You may be overcommited without realizing it. Low income to credit ratio may not scare banks off because they’re taking calculated risk – but can you take the risk of becoming seriously overcommited? Unless you have a really good repayment plan and money management skills, overcommitment is a one way road to massive debt and even bankruptcy.

How to stop being overcommited? It’s very simple really, repay your debts or manage them to lower monthly repayments and lessen the burden on credit score. In case of simple credit card debts the best option would be to tighten the belt for a while or get an extra part time job and repay as much as possible. Long term loans could be more difficult to manage though. Car loan, for example, while possible to refinance in theory – turns out to be a rather static commitment because vehicles depreciate rapidly after purchase. Mortgages on the other hand can be refinanced quite easily providing that borrower holds enough equity to negotiate a better deal with new lender.

Just like with debt, overcommitment is better avoided at all costs. Removing overcommitment from your credit history can be a tiring and lengthy process but it has to be done – so don’t leave it for later, act now.

google news
Continue Reading

How to

What Is the Role of Python in Artificial Intelligence?




How do Artificial Intelligence (AI) and Python relate?

Python is arguably the most popular and practiced programming language by developers in today’s times. Guido Van Rossum created Python in 1991, and since then, it has been one of the most used languages along with Java, C++, etc.

Python is in the lead to find the best suitable programming language for neural networks and artificial intelligence. Let us understand why Artificial Intelligence with Python is arguably the best idea under the sun.

Advantages and Features of Python

A developer can directly use Python to run the program in layman’s language without compiling it into machine language before execution. This makes Python an Interpreted Language. This makes Python a comprehensive enough language that can be interpreted by a virtual machine or an emulator besides the native machine language which the hardware understands.

Python is a high-level programming language. It is used in many complicated scenarios. Being a high-level language, it deals with objects, variables, arrays, Boolean expressions, complex arithmetic expressions, and other kinds of abstract concepts related to computer science. This makes it more comprehensive, and hence there is an exponential growth in its use.

Python can also be used as a general programming language, which means that it can be used across technologies and domains.

Python also features automatic memory management and a dynamic type system. These support a large range of programming paradigms which include imperative, object-oriented, procedural, and functional, are just a few to name.

Python also provides an open-source offer that is titled CPython and is also available for every Operating System. This also has been the reason behind the widespread popularity of Python.

We know why Python has gained so much popularity but let us now see why Python for Artificial Intelligence has an advantage over other programming languages.

Why Python with Artificial Intelligence?

The obvious question here is, why Python for AI and not any other programming languages? The primary reason behind this is that Python provides the least amount of code when compared to others. And now it becomes very obvious why Python is the more popular one in the market.

  • Python comes with prebuilt libraries. Its prebuilt libraries include Scipy, Pybrain, and Numpy, making it the most suitable language for AI.
  • Python developers from all around the world provide sufficient assistance and explanatory support through tutorials and forums. This makes coding easier than in other languages.
  • Python does not depend on the platform, making it flexible and a popular choice as it can be used across all different kinds of technologies and platforms.
  • Python is the most flexible language among all the options available, from OOPs to scripting. Developers have to deal with all sorts of algorithms which can be a struggle. With Python, you can use the IDE to check most codes which is a boon.
google news
Continue Reading

How to

What a Tour Broker Is and How to Become One




A person who operates a tour company is a broker. A broker is a middleman. Brokers buy or arrange items or services and sells these items or services to the end buyer. Some examples of brokers are:

Independent insurance agents. These agents do not provide insurance; they arrange insurance for you from an insurance company. Insurance agents usually get a commission from an insurance company.

Stock brokers. Like insurance agents, stock brokers help you buy and sell stock. They don’t own the stock. These brokers also receive a commission based on the amount sold.

Real estate broker. Again, these brokers do not own the properties they sell and they get a commission based on the value of what they sell.

There are also tour brokers. Tour brokers serve a variety of customers. This article is about what a tour brokerage is and the basics of this business.

Here is a good description if what a tour is: A trip with visits to various places of interest for business, pleasure, or instruction.

Here travel is defined: To go from one place to another, as on a trip; journey.

A tour, then, is not only travel but it is travel with the purpose being pleasure or interest. You may think of a tour as extended travel with the object being to see and experience an area. Travel, on the other hand, is usually only about moving from one place to another.

A tour broker works with people on a continuous basis. If you are going to get involved in this type of business you should like working with people – you have to be a people person.

Tour brokers are not travel agents. Travel agents arrange for the travel needs of their customers. Usually a travel agent will only work with individuals or small groups (families, for example). Travel agents also always buy something that is already in place (air travel, car rentals, hotels, etc.), they do not originate anything.

Tour brokers originate – they arrange tours, they arrange the transportation, they arrange the lodging, they arrange the meals, and they arrange other services for their clients. A tour broker plans on what kind of tour he/she wants to operate.

Next, the tour broker makes arrangements for the various components of the tour – transportation, food, lodging, attractions, etc.

There are many types of tour companies. Some offer guided tours of a local area – tours of a city or an attraction, for example. Some offer tours in a natural setting – guided tours through the Grand Canyon fall into this category. Some offer tours to various national and state parks. Some offer tours through a large area, a multi-state tour is a good example.


You may have to do inspections of the hotels and attractions that you will be making a part of your tour. If you have been taught correctly you will know how to get “comp” (short for complimentary or Free) rooms and meals. If you will go along with the tour, you should expect to get comps again. How to set it up so that you get comps is something your mentor should teach .


As I mentioned before, this is a people business. Liking to work with people and liking to solve problems is a prime requirement.

Like a church is a church because someone calls it a church, a tour broker is a tour broker because someone says that they are a tour broker. There is no requirement for a license. If you do operate a business there may be a need for you to get a federal tax number and your county or city may require you to get a business license. As far as needing a license to become a tour broker – there is no license required. From the mid 1930’s until the 1980s transportation was strictly controlled by the Interstate Commerce Commission (ICC). Under the Deregulation Act of 1982, competition was allowed and the need for federal authority became a thing of the past.

Depending on where you are you may need some sort of business license. Call your local county office and ask for the office in charge of business licenses. This should be easy as all they really want is for you to file some paperwork and pay them a small fee.

If you are going to be making money (and why else get in the business?) you are going to have to get a federal tax number. This number is called a Tax Identification Number (TIN) and is used in business much as your Social Security number is used for benefits.

I have looked at various sites on the Internet purporting to be concerned with how to become a tour operator. Most do not seem to understand what a tour operator is or does. Those which got close to the concept either offers to teach or provided links to sites which may prepare someone how to be a tour guide. A tour guide is not a tour operator – at best, a tour guide works for a tour operator.

A tour operator runs his/her own business

It’s as simple as that – you own and run the business. If you plan to make a profit you follow this rule – buy low, sell high. People tend to make things too difficult. You buy at one price and sell at another price, easy, huh?

The real “trick” to making money in the tour business is to understand that concept of breaking even (BE). The break even point is where you don’t lose money and where you don’t make money. To help you understand this idea you have to understand that there are two types of costs in most businesses – fixed and variable. A fixed cost is one that will occur whether you have 10 clients or 46. Office rent is a fixed cost. You have to pay the rent whether or not you operate any tours. A variable cost is a cost that is dependent on something else. An example of a variable cost would be the cost an attraction (theme park). If you have 20 clients the total cost of the attraction is dependent (variable) on the number of clients you have.

The lack of good information on this business led me to believe that those in this business do not want competition or they don’t have time to write about how they run their business. A well thought out tour, advertised correctly, can bring in thousands in revenue. For example, suppose that you operate a seven- day bus tour. The tour sells for $985.00 (per person, double occupancy) and you have 36 people go on your tour. The gross revenue on this tour will be over $35,000.00 and you should be able to retain at least $10,000.00 of that amount.


It is possible to may some serious money in this business – you could also lose money. Here are some basic requirements that you should have before starting such a business.

You should like working with people

You should not panic when things go from good to bad to even worse

You should be able to organize things easily

You should have at least a working knowledge of certain computer programs – word processing, spreadsheet, e-mail

You should have a copy machine and a fax machine

You should have at least one telephone

You should have at least one fairly up-to-date computer

What sort of tours and what do I do next?

The world is your oyster

This is really the fun part – you can go anywhere! Successful brokers operate three-day tours from Denver into the nearby Rocky Mountains and seven-day tours to Branson, Missouri. Brokers on the east coast offer tours into New England and parts of Eastern Canada as well as longer tours into the American southwest.

Brokers in Seattle do a good business operating tours into the Copper Canyon of Mexico. Some brokers offer tours to musical events, art showings, and short trips to New York City for Christmas shopping.

Where to go is up to you as long as you keep it reasonable. Going to Iraq now may not be the best choice but there is a company in the UK offering and operating tours into Iraq – make sure that your clients sign many disclosures stating that you are not at fault in case of your death. Given the current state of the economy it may be wise to limit your offerings to North America but tours to Costa Rica seem to sell very well.

To find out more about this exciting business click here.

google news
Continue Reading