Find Scrapbooking Titles in Music, Movies and Television

August 9, 2016

Are you ever stuck for a perfect phrase for your scrapbooking title? Maybe you just stick with the date or the seasons like summer or fall. Some scrapbookers title every page with the name of the subject in the photograph. It might be a place, like Disney World or the beach, or it could be a person’s name like Susan or Grandpa. Being creative with scrapbooking titles adds interest to a page layout just like embellishments and borders. Music, movies and television can offer inspiration and ideas for your scrapbooking titles that will capture the mood and theme of your next page layout.Scrapbooking Titles in MusicMusic inspires us all. How often have you heard a song on the radio and it immediately brings back a memory from years ago. It might be a song that was playing when you first dated your husband, or maybe it’s a song from your high school days that reminds you of your senior year. Songs have the ability to spark memories in all of us.

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For your next page layout, look to music for your inspiration. Song titles are great sources for scrapbooking page titles. Quoting a single song title may be all you need to say to start singing that song in your head. Some examples of song titles that could be used as scrapbooking page titles are “Simply Irresistible,” “Brown-eyed Girl,” and “You Are My sunshine.” Keep a list of possible song titles that would work well on your scrapbooking projects.Sometimes it’s the lyrics themselves that inspire us. You might want to use more than just the title. A lyric like, “These are the moments, and I could not ask for more,” will add just the right mood to a treasured photograph.Scrapbooking Titles in Television and MoviesConsider adapting television show titles like, “The Brady Bunch” and “Days of Our Lives” to a scrapbook page. Maybe something simple like “Survivor” or “Lost” says it all. Movie titles, such as, “Mission Impossible,” “Little Miss Sunshine” or “Back to the Future,” might be perfect for one of your layouts.Many TV and movie characters are known for a certain phrase or saying. These quotes often work well as scrapbooking titles. Does your favorite TV or movie character have a particular line that just fits with one of your photographs or scrapbooking pages? Think of phrases like, “How Sweet It Is,” “May the Force Be With You” or “Here’s Looking At You, Kid.”Scrapbooking Titles in Commercials and AdvertisingSlogans, sayings and jingles can all be a source of inspiration for scrapbooking titles. Those catchy phrases we never seem to forget also make fun headlines for our scrapbook pages. Scrapbooking titles can be found in the lyrics of commercial jingles, as well as, in the slogans on print advertising. The next time you are considering fast forwarding through the commercials of a taping of your favorite television show, you might consider listening to the advertisements for scrapbooking title ideas. There are many slogans that could easily be adapted to a page layout title. Consider using “I’m Lovin’ It,” or “Zoom, Zoom, Zoom,” or perhaps, “It’s the Real Thing” or “A Diamond Is Forever.”

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Movies, music and television can inspire a huge list of potential scrapbooking titles for just about any page layout. The next time you need ideas for a scrapbook page title just turn on your radio or television for inspiration.

Pros and Cons of Wild Animals As Pets

October 6, 2016

Many people find the idea of having wildlife as pet as exotic and exciting. However, if you want a wild animal as a pet, you should have thorough understanding of the animal and its behavior and needs. The people who have these animals as pets are invariably trained to handle them, but even they will tell how unpredictable these animals can be. You may have read stories in the newspaper of zoo keepers being mauled by their wards.So, having wild animals as pets has become quite a sensitive and controversial issue. Some people like to highlight the pros, while others just point out the cons. However, both should be weighed equally and only then a decision should be taken to keep a wild animal as a pet.Here are some pros and cons of wildlife as pets.Sometimes, conventional pets like dogs and cats cannot be kept due to lack of space. In such circumstances, one can keep a wildlife like a hedgehog or gecko as a pet as they do not require that much space. Some wild animals have their own benefits. Like a hedgehog can be used to keep insects and others pests at bay in a house.

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Often it has been seen purchasing a wild animal can be cheaper than purchasing a pet that is popular and has a pedigree.Also, many proponents of wild animals feel that some species have a better chance of survival if they are adopted. It has been seen that the dart frog is facing a problem in the wild as its natural habitat is diminishing. Hence, if this animal is adopted, it will have a better chance of survival.However, there are sufficient cons and disadvantages of owning wild animals as pets. First of all, one has to take into consideration the welfare of the animal. Having a wildlife means giving due consideration to its diet, exercise and social interactions. Often, the animal will not have any interaction with other animals of its own species and will be left to leading a lonely and solitary life. Also, the owners will not be equipped to provide proper care to the animals as they may not be well-versed in these things. Many wild animals look cute and cuddly when they are small. However, as they reach adulthood or sexual maturity, their wild side takes over and the animal becomes aggressive. This is the time many owners abandon their pets or give them away to zoos.Wild animals are carriers of many diseases that are lethal to humans. For instance, reptiles and amphibians are carriers of salmonella infection and each year thousand of people in the US contract this disease due to their pets. Also, rats imported from Africa are known to carriers of monkey pox. An outbreak of this disease occurred in the US in 2003 when Gambian rats brought in the monkey pox into the country.

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Above all, the demand for wildlife as pet is increasing. So, many illegal traders are taking advantage of this demand. Most of the wild animals are captured and then transported in cruel and inhuman manner to reach their owners. In addition, majority of the owners do not know to take care of the animals and this causes them to fall sick or even die.So, weigh the pros and cons of having wild animals as pets before jumping to adopt one. Make sure that you are properly equipped to handle the care of the animal. Do not adopt one if you have any doubts.

Planning Strength and Speed Training For American Football

October 27, 2016

American Football, like many other sports, has a history of coaches with a poor understanding of the sport’s demands inflicting upon players the necessity to run laps of the pitch, and engage in other forms of training at odds with the sport’s unique demands. With a constant stop start style to the play, with the average play lasting no longer than ten seconds, followed by a much longer rest period, its demands are closer to traditional sprinting and weight training methods, than sports such as Rugby or Boxing, where there is a much greater endurance element required. At the same time, the sport has a big element of lateral mobility and technical considerations to consider, absent from pure speed or strength sports.This article will look at ways to incorporate speed and strength training methods to assist a player looking to improve his speed/strength during the football off-season. Each element will be considered individually. Given the wide range of requirements for the different positions in football, this article will focus on training planning for a typical week for Linebackers, Backs and Strong Safeties, although the advice is applicable to most positions except Kickers and Offensive/Defensive Linemen. Even then, many of the elements would remain broadly similar for these positions.Strength TrainingMost American Football players today will already place a large emphasis on strength training as this has been emphasized for a comparatively longer time in the sport due to the ever increasing demand for larger and stronger athletes. This does not mean that players should automatically follow the training advice handed out in bodybuilding magazines, or follow a generic college training program. Unfortunately, most college programs suffer from being overly simplistic due to the need to try to train 40 or 50 athletes at once in a facility. This type of training leads to the most simple, easy to administer programs being handed out to athletes, rather than the most effective. Similarly, athletes who believe bodybuilding programs can enhance sports performance may potentially gain some muscle size but at the expense often of relative strength and speed going down, as well as a decrease in joint mobility if emphasising single joint exercises. Additionally, bodybuilding programs’ emphasis on training to failure and exhaustive work on individual muscle groups will lead to less energy being available for the high intensity, explosive work which football demands.Split Training vs Whole Body TrainingMost players will often follow a typical bodybuilding protocol where individual muscle groups are trained once per week with very high volume. Unfortunately, while this may work under certain circumstances for bodybuilders, football players cannot afford to adopt this method. Most significantly, this method of training makes it very difficult to integrate training with the demands of improving other elements vital to success in football. For example, many bodybuilders will train back, quadriceps, hamstrings on separate days. This will mean for most of the time players will have insufficient energy to perform their other drills, sprint work etc due to excess muscular fatigue. Furthermore, split training will mean the central nervous system is always under stress from constantly performing high intensity activity leading to impaired recovery and ability to perform other drills outside the gym with the required intensity.

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This leaves two options. The first is to adopt a lower/upper body split and the second is to adopt a full body training program. Both options have their advocates. Splitting the body into lower/upper will mean legs get trained twice a week meaning five days are left for rest. By only training legs on those two days, a greater volume of work can be performed on training days compared to a typical whole body approach consisting of hitting the weights on a Monday, Wednesday, Friday basis, where because of the increased frequency and need to train upper body as well, leg training volume would need to be reduced.Depending on the athlete’s needs an upper/lower split is usually more useful for increasing strength and muscle size as many will struggle to maintain the intensity needed for a long, whole body training workout. A sample lower/upper body split would be as follows:Sample Strength Training SplitMondaySquats 4 x 4-6
Romanian Deadlifts 4 x 4-6
Step Ups 2 x 8
Pullthroughs 2 x 8
Ab Rollouts 2 x 8TuesdayIncline Bench Press 4 x 4
Hang Cleans 3 x 3
Shoulder Press 2 x 6
Pullups 2 x 6
Tricep Extensions 2 x 8
Barbell Curls 2 x 8ThursdayPower Cleans 5 x 3
Snatch Grip Deadlifts 3 x 5
One Legged Squats 2 x 6
Glute Ham Raise 2 x 8
Hanging Leg Raises 2 x 10FridayClose Grip Bench Press 3 x 5
Pullups 3 x 5
Incline Dumbell Press 2 x 8
Seated Row Machine 2 x 8
Tricep Extensions 2 x 12
Dumbell Curls 2 x 12Speed TrainingSpeed training for football players needs to consider the fact that football sprints are usually of much shorter duration than sprinting in track and field events. At the same time the body mechanics of football players will be different to those you see in top class sprinters.Having said that, a speed training program for football players will have a large degree of overlap with that of Olympic athletes but with a limited requirement for the type of speed endurance work performed by sprinters during the summer track season. Instead a football program should primarily emphasise acceleration techniques with a smaller component of top speed work so that for the rare occasions that a full sprint is required, the player is able to maintain his top speed for longer.Although there are many differing views on how to train speed, the approach used by Charlie Francis[i] is one which works well for integrating the other aspects of football training.Speed Training Template for Off-SeasonMondayWarmup – 5 min general warmup
Mobility Exercises – 10 min
Running Drills – 10 min
Start Work – 6 x 10m (Practise a 3 point or 2 point stance and perform a maximal 10m sprint)
Acceleration Work – 6 x 20m (2 or 3 point stance and accelerate through to 20m)
Acceleration Work – 2 x 30m (Run from standing start to 30m)Rest times between sprints should be 2-3 mins for 10m work, 3-5 min for 20m work, and 4-6 min for 30m work to ensure full recovery is attained.The astute reader will notice the sprints are combined on a day where the weights pushed will be heavy. Depending on the athletes needs, they could sprint in the AM and do the weights in the evening or vice versa. Both approaches will work. The main factor behind placing sprints on the same day as weight training the legs is to allow for greater CNS and muscular recovery. Trying to sprint on separate days (e.g. on Tue) would mean the legs still being fatigued from the day before and then having less rest before the next weight session for legs. By contrast, combining weight training with leg work on the same day is something sprint coaches usually recommend.TuesdayWarmup – 5 min general warmup
Mobility Exercises – 10 min
Running Drills – 10 min
Tempo Work 8-10 x 100m @60-70% speedTempo training is running the distance at a sub-maximal speed and walking the next 100m. It is very important both for active recovery (recovering from the previous day’s exertions), learning to run in a relaxed manner (many athletes strain too much when sprinting maximally), and for overall conditioning and fat loss (the intervals being approximately similar when running/walking, as the work/rest time in football and in fat loss protocols such as Tabata).WednesdayWith another high intensity day scheduled for Thursday, Wednesday is a time to rest and recuperate. Some mobility and drill work is okay for those who need it though.ThursdayWarm-up – 5 min general warm-up
Mobility Exercises – 10 min
Running Drills – 10 min
Start Work – 6 x 10m (Practice a 3 point or 2 point stance and perform a maximal 10m sprint)
Acceleration – 3 x 20m
Acceleration – 3 x 30m
Top Speed – 3 x 50mThursday’s sprint training session is partnered with a relatively low load, explosive lifting weight training day. The sprint distances complement the weights by being of a greater distance and speed. This is the day when the football player will work his maximum speed but we keep acceleration work in, albeit at a reduced volume, as acceleration is a very important factor for football as well as helping to warmup the body for the top speed work. Rest times can be up to 10min long for the top speed sprints. The work conducted has to be of a high quality with full muscular and CNS recovery between sprints the aim of the athlete.FridayTempo Work – 8-10 x 100m
This day is a repeat of TuesdaySaturdayWarm-up – 5 min general warm-up
Mobility Exercises – 10 min
Running Drills – 10 min
Start Work – 4 x 10m (Practice a 3 point or 2 point stance and perform a maximal 10m sprint)
Acceleration – 3 x 20m
Acceleration – 2 x 30m
Top Speed – 2 x 50m
Top Speed – 2 x 60mSaturday is the day when we should be at our freshest. There is no weight training prior to training and we are furthest removed from the draining effects of the heavy weight training conducted on Monday and Tuesday. There is a greater emphasis on top speed work this time with an increase in the distance up to 60m. This should be the time the athlete is setting his best times.

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SundayRestGoing Past a WeekAt this point it should be pointed out that the approach given is for a sample training week in the off-season. Strength and speed training should still be periodized as normal. A favored approach of many programs is to gradually increase training volume and intensity before incorporating a week of reduced volume and intensity to allow for supercompensation and CNS recovery to take place. A 3/1 split of hard training followed by an easier “unloading” week will help promote continued improvements rather than trying to constantly add weight/sets/sprints to the program which will only lead to stagnation.At the same time, other exercises and techniques will usually be incorporated to provide the athlete’s body with new challenges but the overall goal should remain the same which is to increase strength and speed over the long haul. Although it will be easy for a beginner to make rapid improvements in both strength and speed following a structure such as that outlined, at some point it is likely that either the weights or the speed work will have to be reduced in volume (although not intensity) and maintained so that the other quality being work can be emphasized.Most 100m sprinters will usually go from a program where strength increases are emphasized in winter to one where weight training is restricted to maintenance only so that full attention can be devoted to maximal speed work during the summer months.Of course, for American Football players, they may have a differing view on which element needs emphasizing but the fact remains that given that neither strength or speed improvements in-season are realistic, the player should look at his off-season training program and consider which variable he needs to work on the most. Then, he can perform a greater or lesser amount of speed or strength work as deemed appropriate by him and his coaching staff. For a strong athlete with limited speed this would mean reducing the volume of his weight work on his training days and training speed first in the training day, when the CNS and muscular system is freshest. On the other hand, a weak, fast athlete may wish to perform a limited amount of speed work and increase his weight training volume so that he can bring up his strength levels quicker.Other FactorsMany other factors beyond how the athlete structures his training are important including mobility drills, nutritional support, supplementation, recovery and regeneration techniques, and technical work. Although these are beyond the scope of this article, each element should be implemented carefully. Please check the other articles at this site for further reading.[i] The Charlie Francis Training System (1992)

Opting Efficient Computer Repair Services

August 17, 2016

With the development of internet, world has become a compact place to live in. Computer has become so indispensable for us that the concept of life is now incomplete without it. It is the most sophisticated machine with least reliability as you might never know when it could incur a problem. It has now become necessity almost in fields of life. No matter, you are a teacher, student, business person or an employee, you need to use computer in some respect. Where internet has transformed the world into a global village, on the other hand it has also affected the security of computer systems. The risk of technical faults has drastically increased with the threats of Trojans, worms and spywares. You never know when, with a downloaded file, the Trojan may enter in your computer and destroy the whole system. To cope up with these threats, you need a computer repair service provider that can help you in the hour of need.

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Being the third richest state of America, New Jersey has to invest more on computer repair services. Just the diagnostic charges are from minimum $35 to maximum $140. Apart from prices, the computer repair services offer high technology diagnostic and repairing facilities. New Jersey computer repair services offer solutions for the removal of viruses, server repairing, inhibiting file sharing, windows troubleshooting and data recovery. It also offers installing facilities like software installation, DSL modem and router installation, laptop and server installations etc. Moreover, virus prevention, workstation data transfer, network configuration and desktop installations are also offered.New Jersey computer repair services provide facility of both on-site and off-site repairing. In on-site repairing, the service provider sends its workers on site and repairs the computer at your place. This facility is mostly required for wired PCs and workstations. In off-site repairing, they take your PC with them and after repairing bring it back and affix it at its place. Now, the decision depends upon your trust on the service provider. If the repairing requires 5 to 6 hours and the faulty computer belongs to your office then it would be better to send the computer to company but if it isn’t the case then you should prefer on-site repairing.If you know how to maintain your computer, you may not need any repair soon. Firstly, you need to follow some tips in order to save your computer from damage. You should have registered antivirus, must take frequent backups of your data and if you have accidentally lost your data, consult with some professional so that the data can be restored.

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Now, the question arises how to find a deft technician in New Jersey who would also charge reasonably. For it, you should consult with your friends and family first. You should also consult Better Business Bureau, read online reviews of people about New Jersey computer repair service providers, call them to ask about their fees and then compare overall costs. Select the best option with fine services in fewer expenses.Some companies in New Jersey also offer additional free services along with the required one such as virus and spyware scan and removal, removal of unnecessary files and folders that slow down your system, and back-up of all data.. Keep these details in mind while looking for a computer repair service in New Jersey in order to get the best service at exorbitant rates.

Arcade Fun

November 2, 2016

An arcade often refers to an entertainment establishment or an area within an amusement park that houses different coin-operated machines and video games. It is a popular hangout for many teenagers and young adults alike. However, there are still a number of adults who still enjoy a game or two when visiting arcades. The different types of arcade games include video games, pinball machines, shooting galleries, ball toss games, crane machines, dance and music games, and simulated games, among many others. Most, if not all, arcade games are coin, token or magnetic card operated, and you can get a prize immediately or collect tickets or points for redemption of various items depending on the number of tickets or points.Arcade and video games’ origins can be traced back in early 20th century and grew in popularity in the 1970s with machines built mostly by Japanese companies such as Atari. However, coin operated games can actually be traced back as early as 350 BC during the time of Alexander the Great. According to one story, there was a man who presented Alexander the Great a game that once you placed a coin in it, the players would be able to bring balls up and down to disappear in several holes as controlled by the players. The winner could get twice what was given as a bet. Another coin operated machine used as a game of chance and to win some money was a slot machine invented by a jester in 1108. It was described similarly to the slot machines we know today – put in a coin, operate the level and get a chance to double your money.

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Subsequently, other coin operated games were invented and introduced to the public with intention of providing entertainment and multiple chances of winning more than they betted. The rise in producing different kinds and types of coin operated machines for entertainment started around the late 1800s but reached its highest peak, including other arcade and video games, in early 2000. However, from 2004 until pretty much today, there was a decline in arcade games with the rise in popularity of portable video game gadgets such as Play Station and PSP, Xbox, Wii, PCs, and even mobile phones, among many others.Nevertheless, arcades in different parts of the country still have considerable following especially as part of amusement parks and inside shopping malls. Young kids and teenagers can still be seen hanging out in arcades to meet friends and to compete with others who have the same interest on playing arcade and video games. Nowadays, the most popular arcade and video games include Sega’s Extreme Hunting 2 Tournament (video kit), JVL’s Retro (countertop), Raw Thrills-Betson’s Fast & Furious (video dedicated), Raw Thrills-Betson’s Fast & Furious Super Bikes (video simulators), Stern Pinball’s Disney’s Pirates of the Caribbean (pinball game), Skee-Ball’s Skee-Ball Too! (alley bowlers), Skee-Ball’s Super Shot (sports games), Rainbow’s Rainbow (cranes & rotaries), Betson’s Sponge Bob Jellyfish (children’s games), ICE’s Deal or No Deal (novelty games), Family Fun Co.’s Football Fortune (coin drop), Benchmark’s Wheel Deal (coin drop), Andamiro’s Hammer (bopping/stomping games), and LAI Games’ Stacker (prize vendors), among many others.

India Debt Collection Business

October 31, 2016

Until the emergence of debt collection business, debt collection in India, was never treated as a specialized job and was always treated as one of the jobs that legal departments of the banks and financial institutions were required to undertake. A typical legal department of an organization would approach the collection job strictly as a legal issue rather than as a revenue collection measure. Litigation would be the only tool used for recoveries and no other tool was either known or used by the industry. Litigation as a recovery measure always had its own limitations due to long and winding court procedures the Indian legal system is always criticized for. On the other hand, foreign banking firms introduced the concept of specialized debt collection services. Debt collection services became one of the many services that began to be outsourced to specialized agencies. The collection business had a very humble beginning and it barely qualified as a specialized service.However over a period of time with the emergence of India as a global outsourcing destination the domestic businesses also adopted the outsourcing as an efficient business tool. With the result today, the third-party debt collection industry plays an important role in the Indian economy. The industry employs hundreds of thousands of Indians as collection professionals, who are servicing several industries ranging from banks, to telecom service providers to insurance companies. Typically, only small recoveries arising from periodic billing defaults by the customers are outsourced to the collection agencies. Not only the collection business has become a direct source of employment to thousands but its contribution to the economy is more pronounced because it helps infuse money back in the economy that otherwise would have remained uncollected. The economic benefits of third-party debt collection are significant. Citibank is the pioneer in introducing third party collection techniques in India.The debt collection industry in India also has grown sharply this year as higher borrowing costs; rising inflation and the general slowdown in the economy force more companies and individuals into difficulties. Underlying debt has gone through the roof and lenders and organizations increasingly want to move any bad debt off their books. Whether it is a high street bank, a credit card lender or a mobile phone company, growing numbers are turning to professional debt collectors in a more difficult environment.The debt collection industry in India is growing at a faster pace and is surely poised for growth. The credit card outstanding have shot up by a whopping 87% at USD 6114 Million during this year, from USD 2844 Million in the period year ago. The Reserve Bank of India (RBI) which regulates the banking industry in the country encourages banks to shift bad loans off their books more quickly because they will be required to hold more capital against risky assets that may default.COLLECTION INDUSTRY – UNREGULATED SCENARIOThe collection business has its own inherent shortcomings due to unregulated and primitive nature of this business in this country. The persons employed in the industry are untrained both in soft skills and legal skills. Being unregulated, the procedures are not standardized and there are no industry specific checks and balances. Still litigation is used as the last resort tool for recoveries. However the industry has been accused of manipulating the legal system to their advantage by using courts as their agents of recovery. It is seen that big corporations with large volumes of recoveries have unwritten understanding with the local courts at the lowest level. With the patronage of minuscule minority of pliable judges simple civil defaults are registered as criminal cases thus pressurizing the debtors into paying the dues. Slow and long civil recovery court process has no takers in this age of instant results where revenue targets are the most sacrosanct. Under such strict and cut throat environment, there is pressure on the banks to keep their account books healthy therefore such aggressive and extra-legal methods are employed for quick recoveries.

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GOVERNMENT / RBI INTERVENTIONDebt collectors in the past had a lot of leeway and it wasn’t uncommon for collectors to embarrass, harass or humiliate debtors by adopting extra-legal measures. In the absence of any regulatory regime the courts had to step in by laying down guidelines for the industry to follow. After the intervention of judiciary, the RBI woke up to the need of regulating the unruly collection agencies and laid down its own guidelines for the banking industry to follow.The guidelines prescribed by RBI are enforced against the banks that have contractually employed collection agencies. The banks in turn via their contracts with the collection agencies ensure that the RBI guidelines are followed. Now, under the RBI guidelines it is illegal to threaten violence or cause harm to debtor, use obscene language, or repeatedly use the phone to harass debtors. In addition, collection agents cannot seize or garnish a consumer’s property or wages without recourse to court procedure.The following are few of the core underpinnings of the collection process. These are the norms formalized by the top bank in India – RBI.1. DSAs/DMAs/Recovery agents to get minimum 100 hours of training.2. Recovery agents should call borrowers only from telephone numbers notified to the borrower.3. Each bank should have a mechanism whereby borrowers’ grievances with regard to the recovery process can be addressed.4. Banks are advised to ensure that contracts with recovery agents do not
induce adoption of uncivilized, unlawful and questionable behavior or recovery process.5. Banks are required to strictly abide by the codes pertaining to collection of dues.RBI in the draft guidelines issued for banks engaging recovery agents, has asked banks to inform borrowers the details of recovery agents engaged for the purpose while forwarding default cases to the recovery agents.The Reserve Bank of India has also considered imposing a temporary ban (or even a permanent ban in case of persistent abusive practices) for engaging recovery agents on those banks where penalties have been imposed by a High Court/Supreme Court or against its directors/officers with regard to the abusive practices followed by their recovery agents. An operational circular in this regard has been issued in November 15, 2007.Other LawsStill the non banking debts collection business is outside the purview of any regulator. There are no licenses or registrations to be obtained from any regulator to pursue collection business in India. The extant guidelines applicable to banking industry are found inadequate as they address only the problem of debtors’ harassment and the guidelines do not regulate the industry as such. The Government is well aware of the need of having a specialized legal mechanism for recovery of institutional debts which has become a huge problem for the entire banking industry.Every bank is grappling with the non-paying accounts, known as Non Performing Accounts (NPA) in the Indian banking parlance. The problem has taken enormous proportion and threatened the economy. Creation of Debt Recovery Tribunals in the year 1993 was a step in the direction of facilitating fast recoveries by the banks . The intention behind creation of such Tribunal was to ensure that banking industry was provided with its own recovery mechanism that was part of the legal system but at the same time exclusive to the banking industry. Bank debts above USD 22,727 could be recovered through the Tribunals.However, over a period of time it was realized that this new mechanism did not yield the desired result since the recoveries were still slow and due to shear volume of work, the Tribunal became like any other court. The whole objective of having a fast track and efficient recovery mechanism was therefore defeated. Bank debts still remained a major problem to be solved since it affected the entire economy of the country. The Government felt the need of having a mechanism that was minimally dependent on the courts for effecting recoveries since the legal system could not be reformed overnight. Therefore instead of reforming the court procedure the government did some clever thinking and came up with a legislation that minimized the intervention of court and empowered the banks with special powers using which the recoveries could be affected.The government thus came up with a new law Scrutinization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) where under the banks are allowed to liquidate security given by the borrower for recovery of their dues. This law also paved the way for creation of asset reconstruction companies that take over the security interest of the debtors. These agencies are thus another form of debt collection agencies that have been institutionalized.The need to share credit information among the banking industry was also felt in order for the industry to benefit from each other. Thus Credit Information Companies (Regulation) Act was enacted in the year 2005.INDIAN LEGAL SYSTEM AND COLLECTION PROCESSESThe Indian legal system is absolutely fair and assures justice to the party involved. There are remedies available under the law to collect the debt, if the debtor does not agree to pay under normal circumstances. The creditor may file a suit for his recovery. Debts based on written contracts could be recovered by following fast track procedure. If the debtor is a company, creditor / his lawyers may apply in the ‘Company Court’ for winding up of the company due to non-payment of substantial amount of debt. Summary trial is another way. The process may take time-1 to 2 years. Evidences are recorded appropriately and produced in the court of law, whenever required. There is also the arrangement of appeal to be filed at later stage.
US OUTSOURCING SCENARIOIndia has attracted many technology jobs in recent years from Western nations, particularly the United States. Now, it is on its way to becoming a hub in another offshore outsourcing area – debt collection. According to the industry report, units of General Electric, Citigroup, HSBC Holdings and American Express have used their India-based staff to pursue credit card debt and mortgage payment by calling defaulters.

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US debt collection agencies are the newest to start outsourcing their work to India and are satisfied with the results produced by the polite but persistent Indian experts. After insurance claims and credit card sales, debt collection is a growing business for outsourcing companies at a time of downturn in the US economy when consumers struggle to pay for their purchases.Debt collection is a vital and growing component of US economy. There is more than $2.5 trillion in outstanding consumer debt. As a result, the third-party collection industry makes more than one billion contacts with consumers each year. Recently this year, more than $39.3 billion in debt was returned to creditors.Indians have the advantage of lower salaries and other expenses, which cut drastically costs of collecting debts. Debt collectors in India cost as little as one-quarter the price of their US and European counterparts and are often better at the job. Many such Indian firms run 24-hour services. Indian debt-collection companies comply with strict regulations on operations in the American and / or European markets.
SUMMARYIndia has a long way to go in establishing a mature collection services industry. The collection business needs to be regulated and empowered with legal powers to become an effective tool. Already, there is a realization in the country that court dependent recovery is an inefficient way of way of debt collection. Creation of Assets Reconstruction and Securitization Companies under the SARFARESI Act is a step in the right direction of recognizing debt collection as an independent and specialized business function. While some progress is made for the bank debts but still for a large volume of unrealized non bank debt there are no professionally managed and regulated third party collection service providers. Non bank debts are largely unsecured that makes it even more difficult to realize. No big corporations and business houses are interested in acting as collection agents without there being an attraction of valuable security asset. Lawyers can fill this gap by providing collection services for non bank debts. Indian law does not permit contingency fee that makes the business less lucrative. India is therefore ready to benefit from foreign experience, expertise and ideas to create an efficient debt collection industry of its own at par with global status. This need is more felt now by India due to its global ambitions wherein India must adopt globally recognized practices and models. Transnational businesses need a uniform operating system for seamless transactions. Efficient debt collection industry will only instill confidence in companies doing business with Indian companies. Collection professionals have this challenge facing them of creating an efficient system that reduces people’s dependence on court supported recoveries.

Helpful Online Shopping Tips for Buying Cheap Designer Clothes and Shoes for Women

October 13, 2016

The ability to find cheap designer clothes for women is essential to those who want to look fashionable when they get dressed, not just because prices on authentic, name brand clothing are always expensive, but that buying affordable clothing allows shoppers to easily build a large wardrobe. Smart shoppers can get a lot of nice, authentic, name brand outfits, and the footwear to match simply by knowing where to look. Looking good does not have to be considered a luxury.Know What It Really Means to Buy Discount Designer ClothesIt is not always easy to buy cheap designer clothes online because many shops sell cheap knockoffs instead of designer originals. Sales of low quality clothing should not be considered real discounts at all. This is because those who buy these cheaper items do not get the same benefit or enjoyment as they would from the real thing. Customers need to beware of online shops offering trendy women’s clothes for less. The real savings is when the prices of real brand name items are brought into a price range that is more affordable. That is what designer clothing liquidators are all about. Customers get to find cheap designer clothes for sale that are truly authentic and on the leading edge of fashion trends.

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How to Find Cheap Designer Clothes Online That are AuthenticMany consumers do not have time to get out to a store and shop around for discount brand name clothing, which would make it easier for them to know the quality of the items before purchasing. Moreover, some local outlet stores lack the selection needed for customers to find those trendy, affordable dresses, jeans, shoes, or that perfect top they had in mind. It can be hard to catch sales at department stores, but having a trusted online resource for trendy women’s clothes can make staying in fashion an easy task. Shoppers are able to get clothing from all the best brands, including Coach, Michael Kors, BCBG, Armani, and several others at a steep discount. Best of all, placing an order is easy because of the ability to use PayPal.Why Shop at Those Expensive Trendy Women’s Clothes Shops?It is not always easy to find cheap designer clothes for juniors, or affordable maternity wear that is high quality. Many stores that specialize in selling trendy women’s clothing and shoes do not care about how burdensome their prices are, but there are some that do. Shoppers can learn how to always find low prices on new and like-new authentic brand name women’s clothes and shoes. All they need to do is find the right website. The best sites for buying designer clothing at a low price have a selection is updated on a regular basis, so there is always some great new clothing item to discover. Plus, these reliable stores offer lightning fast shipping and excellent customer service.

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It is possible for those looking for a place where they can get discount shoes online to find a place where there is an enjoyable selection of quality merchandise available. Thanks to online stores that offer cheap designer shoes and clothes, shoppers can easily build a very nice wardrobe. Many of those who love to shop for discount designer clothes find such sites addictive, because getting cheap trendy clothes from real brand names is a thrill.

Temporary Tattoos A Permanent Solution

October 29, 2016

These days, more and more individuals are deciding to permanently leave their mark – on their own skin. If done by a qualified tattoo artist, the risks may be minimal. Unfortunately for many, however, unsanitary equipment or later appearing infections are creating big problems for tattoo enthusiasts.Not so long ago, temporary tattoos were something that was found in a bubble gum wrapper or in the toy section at the local retail store. Why? Because children loved to have their own tattoos, but only the safe kind that would wash away and cause no permanent change. Now, some adults are beginning to think that kids have the right idea. Temporary tattoos are no longer just for children and in fact are now often available as longer lasting, adult skin tattoos.

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The one thing that all temporary tattoos have in common is, you guessed it, they are temporary. There is no risk of contracting an illness or the tattoo site becoming infected, which is a very promising thought to those who are health conscious. Temporary tattoos are not only safe, but they are easy to remove with nothing more than soap and water. This is a big contrast to the permanent images, which require medical attention for removal.If an individual is almost certain that they wish to have a permanent tattoo placed on their body, they may want to try a temporary tattoo first. In order to find the right design and placement, some individuals are finding the temporary tattoos are a terrific way to experiment with various designs and areas at a very affordable price. Once a permanent tattoo is done, the only way to have it removed is through surgery. Rather than going through the process a dozen times before finding the perfect tattoo, some adults are deciding to try out a temporary tattoo and the conveniences of washing it away with a few swipes of the soap.Quality temporary tattoos, in many cases, look exactly like the real thing. These can be found online or possibly at a tattoo parlor directly. Before purchasing a permanent tattoo, the customer should be certain that the symbol is one that will be admired for life. Some individuals tattoo the name of their significant other only to find that, years later, the relationship is over. Many people are staying away from personalization for this very reason, but others still celebrate their love by putting it in writing – literally. Whether or not a tattoo is personalized, the depicted image should be one that is special and meaningful so that it will always be treasured.

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This article is to be used for informational purposes only. The information contained herein is not intended to be used in place of, or in conjunction with, professional medical advice or recommendations for tattoo placement. Before deciding on getting a tattoo or having one removed, the patient must consult a licensed medical doctor for medical advice and/or to determine the best course of action for his/her individual healthcare needs.

Mental Health Stigma

October 3, 2016

Despite the increase in publicity surrounding mental health and mental health issues, there is still a lack of understanding about mental health in general. For example, a research survey published by the government “Attitudes to Mental Illness 2007″ reported that 63% of those surveyed described someone who is mentally ill as suffering from schizophrenia, and more than half believed that people with mental illness should be kept in a psychiatric ward or hospital. Overall the results showed that positive attitudes to people with mental health had actually decreased since 1994 which is worrying indeed.Amazingly, many people still don’t understand that mental health problems affect most of us in one way or another, whether we are suffering from a mental illness ourselves or not. If we bear in mind that a quarter of the population are suffering from some kind of mental health problem at any one time, then the chances are, even if we personally don’t have a mental illness, we will know someone close to us who does, so it is our responsibility to understand what mental illness is and what can be done about it.Many people with mental health problems will often feel isolated and rejected and too afraid to share their problems with others purely because of the way they might be perceived. This lack of understanding means they are less likely to get the kind of help and support they need and are in danger of slipping even further into depression and mental illness. People need to understand that mental illness need not be a barrier to a better quality of life and that help is available and that most people with a mental health problem can regain full control over their lives if they get the support they need.

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A new guide to mental healthThe Royal College of Psychiatrists has produced a new guide to mental health which was published in November 2007 and is aimed at informing the general public about what mental illness is and is a big step towards tackling the stigma that is still attached to mental illness.The guide is written in an easy to understand format and over 60 mental health experts have contributed to it. The Mind: A User’s Guide contains chapters that cover a whole range of mental illnesses and includes a section on how the brain works, how mental illness is diagnosed, and how to cope with it.A Scottish surveyIn Scotland, a national survey of public attitudes to mental health Well? What Do You Think? (2006) was published in September 2007 and highlighted that although people living in socially deprived areas have a higher incidence of mental health, the level of stigmatisation is still no lower than in other areas. This suggests that being confronted with mental illness is not enough to change the attitudes towards it.There are also gender differences too. According to the Scottish survey, men with a mental health problem were more likely to be treated with suspicion than women and were also more inclined to avoid social contact with someone else with a mental health problem. Even out of those who displayed a positive attitude towards people with mental health problems, many said they would be reluctant to tell anyone if they had a mental health problem themselves which just goes to show that there is still fear surrounding other peoples’ perceptions of mental health.A CIPD SurveyA recent study conducted by the Chartered Institute of Personnel and Development and KPMG consultants surveyed over 600 employers and reported that doctors are not doing enough to help people with mental health problems return to work and that this is costing the business world billions of pounds. For example, only 3% of the participants rated doctor support as “very good”.It may be that doctors really don’t know what else to offer someone suffering from depression and anxiety other than drugs and time off work. Even more worrying was the fact that 52% of employers maintained that they never hired anyone with a history of mental illness which serves to perpetuate the stigma. On a more positive note, of those that did hire someone with a mental health problem, more than half said the experience had been “positive”.

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Changing attitudesA lot is being done by governments and organisations to try to change public attitudes towards mental health but is it enough? Until we all recognise that mental illness doesn’t discriminate, it can affect any one of us at any time regardless of our age, gender or social background, the stigma attached to mental illness is likely to persist.Mental illness doesn’t discriminate, it can affect any one of us at any time regardless of our age, gender or social background, and yet the stigma attached to mental illness still persists. Although a number of government initiatives, awareness campaigns and organisations have been set up specifically to tackle mental health stigma and change our attitudes towards mental health in general, there is still a long way to go.It is therefore up to each and every one of us as individuals to make sure we are well informed and understand the issues involved because only when the public are fully aware of the facts will mental health stigma become a thing of the past.

How to Choose a Martial Arts School – 10 Steps Guaranteed to Save You Time and Money

October 7, 2016

What are the most important things to look for when comparing martial arts schools?
What are the tell tale signs of a quality school that you can spot immediately?
What are the best questions to ask, and how do you know if they can really deliver?
What part of a contract can you negotiate?These are just some of the important questions you need to know how to answer before shopping around for a martial arts school.A commitment to martial arts is an investment in time and money, so knowing exactly what to look for in a school, and knowing what questions to ask, will give you the clarity and confidence to make a smart choice.A bad choice in a martial arts school can be an expensive lesson, so use this guide to educate yourself.There is a huge variety of martial arts schools out there. Facilities range from expensive health-club-like facilities to open space warehouses. Martial arts schools aren’t regulated to insure quality of instruction or business practice. There is no official governing body and no universal grading standard in martial arts. Almost anyone can open a school and appear to be an expert.What do you look for beyond price, amenities and convenient schedules? While most people first consider price and the facility, there are more important factors that you need to consider first!These 10 steps show you how to make the best decision in choosing a martial arts school:Objective
Instructors
Class Dynamic
Student Results
Curriculum
Style
Facility
Service
Price/Fees
Instinct1. OBJECTIVE:Before you start looking into martial arts schools, determine your true goals for martial arts practice. To get the most out of your training, clearly identify your real goals and the specific benefits you want to have.Ultimately, you just want to feel good about yourself and feel super confident, right?However, this is usually not enough of a specific emotional motivator for consistent practice.The majority of people who start martial arts rarely make it past a few months of consistent practice. It’s not just a lack of motivation. Not having clear goals is usually why people don’t follow through in practice.To determine what you really want from training, start by narrowing down what you wish to focus on.The focus of your practice can be broken down into several areas. There’s no right or wrong – it comes down to personal preference.For starters, you can number these in order of importance.Physical Fitness as the main goal, with martial arts aptitude as a secondary benefit.
Purely Combative Focus, with fitness and personal growth as added benefits
Creative and Artistic Expression, aesthetics, beauty and WOW Factor
Competitive Focus, sports aspects such as one on one competition
Mental and Emotional Growth, catalyst for self-discovery and spiritual growth, cultural and philosophical interestsAsk yourself clarifying “Why” questions, so you can identify what you’re really going for.This is the first step in filtering the selection of schools to choose from. Once you’ve identified your goals for martial arts practice and understand why they are your goals, you’re ready to search for a school.2. INSTRUCTORS:An instructor plays the key role in how you will achieve your goals.Finding a good instructor is more important than choosing a style, and is probably the biggest factor in your decision to join a school. It’s nice to have impressive amenities and expensive equipment, but ultimately a martial arts school is only as good as it’s instructors.Being a black belt doesn’t qualify someone to teach!A competent instructor is knowledgeable, experienced, and has the ability to effectively pass on his craft.
A good instructor possesses leadership and communication skills.
A great instructor will also display sincere empathy, showing a genuine interest in helping you achieve your goals, bringing out your individual strengths.Look for other attributes that increase an instructor’s ability to add value to your training:Proven competitive track record, such as World Champion Titles
A degree in an area such as psychology, sports medicine, kinesiology or related fields
Military, law enforcement, or security experience
Involvement in a credible martial arts organization
Extensive knowledge of a culture or philosophy that you’re interested inAlthough an instructor’s experience and background provides some credibility, don’t be overly impressed with awards and certificates.Their mindset and level of experience will be apparent through subtleties in character and by their actions.Quality instructors are sincerely interested in helping You and won’t feel the need to boast about their own credentials or prove themselves. Instead of boosting their own egos, high-level instructors are very attentive on coaching you to achieve your goals.You can often measure an instructor more accurately by their students’ results and satisfaction than by credentials alone. The students themselves may be the greatest indication of the quality of instruction.Just like a good business is constantly researching and developing, high-level instructors research and develop methodologies in order to continually improve. A lifetime training in martial arts isn’t enough to reach human potential!A high level instructor portrays noble characteristics of a role model and leader.Confident instructors welcome feedback and respond to your questions with patience and insight. They are usually very humble, and rarely speak negatively about any other school or style.Also, find out if the school’s head instructor is actively teaching. Some schools have classes primarily taught by an assistant or senior students, while the head instructor only makes an occasional appearance.While assistant instructors may be totally capable of teaching, watch out for schools that “sell” you on the instructor but have someone else teaching.3. CLASS DYNAMIC:Make sure you know how to evaluate a school in two parts, the content and the context.The context of a martial arts school is made up of the training methods and environment. What kind of setting is the school providing?A supportive learning environment is crucial to maximize the assimilation and retention of material. The context of training can be more important than the content, (or material), intended to be learned.Look for context such as:The collective mood or energy of the instructors and students
The class dynamic – structure and flow
How the amenities and equipment are used
The training methodologies
How the ranking system is structured
The quality of serviceOne of the best ways to evaluate a school is to watch or participate in a class.You can watch videos, visit a website and read all about the credentials and features of a school. However, you can only get a true feel by “test driving” the actual group classes. Many schools offer free consultations or introductory private lessons.If a school allows you to watch, or better yet, participate in a class without obligation it speaks highly of their confidence and transparency.

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The class dynamic is the best demonstration of the instructor’s martial arts aptitude and ability to teach. It reveals how the students interact with each other and the instructor. It’s also the perfect opportunity to see how their curriculum is implemented into training.Consider the size of the classes and how that may effect your training. The make up and flow of the classes will either help your learning experience or hurt it.Look for the following:Is there a significant age difference among students that may restrict your practice?
Is there a significant difference in the students’ experiences or physical abilities?
How formal or informal are the classes? And, how does that effect your practice?
How much supportive individual attention do the students receive?
Is there anything about the facility that’ll hinder your practice? such as cleanliness, stale air, too cold or hot, distracting noises, etc.Many beginners prefer large classes. It can be easier to follow along with the examples of many other students. There’s also less intimidation as the collective group dynamic can conceal individual insecurities and lessons the pressure to keep up.On the flip side, there is a key benefit to smaller classes that’s important to consider. There is more opportunity to receive personal attention from instructors that can greatly accelerate your learning curve.Again, instructors are the backbone of a martial arts school. The instructor consciously, or unconsciously, dictates the energy of the entire class.Here are some other things to look for:Does the instructor facilitate class with control and safety? (Notice if the students are enjoying themselves or seem uncomfortable and hesitant).
Is the instructor passionate and actively teaching or seemingly going through the motions and mechanically calling out commands?
Do the students seem inspired?A martial arts school provides the setting of a controlled environment where you’ll train to overcome future or potential challenges. In order to maximize results, good schools teach in a context that anticipates and matches the actual environment of those future and potential challenges.The classes must simulate the intended environment and must provide the necessary emotional stress in order to engrain instinctual trained responses.For example:If you’re seeking a combative style for self-defense, look for schools that safely facilitate reality based, high-stress scenario exercises.
If you’re training to fight in a ring or cage, look for a school that teaches you how to maneuver in the confines of a ring/cage under the same guidelines of the competition.
If you’re goal is to perform in tournaments, look for a school that can facilitate your training in a loud, distracting environment with large mirrors and an audience.
If your goal is to have fun getting in shape, look for classes that use good training equipment, have high energy, exciting exercises and a social atmospherePay attention to the flow of the class and notice how much of the class time is instructional. Some schools implement a lot of conditioning drills while others teach with a lot of verbal explanations. Notice if they have a lot of unnecessary “filler time”.It’s also a good idea to inquire about the school’s ranking system. Most traditional schools use some modification of a belt system, but what’s required to earn each belt can vary drastically from school to school.Is there a clear standard for aptitude and execution of techniques at each level? Or are the requirements based on time and the amount of classes taken?Many schools test for promotions after a set number of classes. This gives the perception of building capable intermediate and advanced students, which can be an important aspect of a school’s perceived value. Not to mention, belt promotions are a crucial source of income for some schools.Remember that there’s no official governing body in martial arts, so belt levels may not be valid outside of that school or organization.4. STUDENT RESULTS:The students provide tremendous insight as to the quality of instruction. You can often tell more about a school by the students’ results than anything else.The students are the products of the school’s training system and methodologies. If the advanced students don’t model your martial arts goals go find another school!When observing the students, pay attention to the ratio of beginner to advanced students. It’s a good sign if there are a lot of intermediate and advanced students. That means the school is able to retain their students, and usually equates to student satisfaction.Just as you probably don’t want to eat at a restaurant that’s always empty, be cautious of a school with a few students. What’s considered a small student base? Depending on the size of the facility and how long they’ve been in business, classes that have less than 10 students is a pretty strong sign that there’s something lacking in the school.Consider the characteristics and personalities of the students as well. It’s important that you are comfortable with your classmates cause you may be spending a lot of time with them.Are they the types of people you’d like to be around and train with?
Would you feel comfortable and safe training with them?
Are the students supportive of one another or are they highly competitive and trying to outdo each other?The student dynamic may also reveal how the instructor instills leadership and other life skills that you may wish to develop. Watch how the advanced students handle both challenges and successes.Take the initiative to speak to some of the students. Getting insight from existing students can make all the difference in your decision to join.5. CURRICULUM:Remember that a martial arts school can be evaluated in two parts, content and context. The curriculum and style of a school make up the content.Whether they call themselves a martial arts school, studio, academy, gym, or dojo, they are still businesses. They will promote themselves in creative ways to gain an edge over the competition. You can expect them to entice you with price incentives, boast their credentials, amenities and equipment, or make claims to get you results in the shortest amount of time possible.Don’t allow marketing tactics to distract you from determining if the school can actually support your training goals.Whatever a school claims to provide in your martial arts training, their students, classes and curriculum will give you a good indication of the school’s quality and true emphasis.The martial arts curriculum, (content), is made up of the techniques and material you will be learning at a school.The focus of your training must be supported by the curriculum and training methods.There are key points to look for in determining the quality of a curriculum. Begin by identifying the school’s emphasis. Take into consideration that when there is more focus on one aspect of martial arts, other areas are compromised to some degree.Forms and jump spinning kicks in the curriculum? You’ve most likely found a school with an artistic or traditional focus that may participate in tournaments. If this is what you’re after, the curriculum should consist of aesthetic techniques that have dynamic kicks and beautiful forms with and without weapons.
Are the techniques based on kickboxing and wrestling? A lot of sparring and no weapons in the curriculum? This is probably a school that focuses on one-on-one sport competition. Schools that build towards competition usually emphasize physical conditioning to reach peak performance.Although physical fitness may not be the primary goal in many styles, fitness is generally a by-product of training. You get in shape by default in martial arts practice.The majority of schools have a curriculum designed to provide a general overall perspective on fitness, sport competition and self-defense. For most people who are just beginning martial arts, a school’s curriculum and interpretation of martial concepts should be comprehensive enough to support you through many years of practice. If this is the case, start to look into other components of the school like their class dynamic.For those who have martial arts experience, or seeking a specific area of focus, determine if the school’s curriculum actually supports the emphasis you’re looking for.It’s not uncommon for a school’s true emphasis to be different from how they market themselves. Take note of the techniques in their curriculum and their applications.For example, let’s say your primary reason for martial arts training is purely for self-defense on the streets. You visit a school that claims to be proficient in teaching self-defense. Yet, they teach fixed stances and forms and only implement weapons training in advanced levels.This is a big red flag! This doesn’t mean it’s not a good school. It only reveals that their true emphasis is not truly combative.70% of assaults on the street involve some sort of weapon and over 90% of attacks go to the ground. Any school that claims to teach true self-defense while neglecting weapons training and ground fighting is just plain negligent.You should seek elsewhere if this is your focus. Modern combative styles will implement training in weapons and ground fighting right from the beginning.Training methods also implement high stress scenario drills with multiple attackers. You won’t find fancy acrobatics in the curriculum.Remember the old adage, “A jack of all trades is master of none.” Be cautious of a school that claims to deliver health and fitness AND teach you culture and philosophy AND turn you into a professional fighter AND prepare you for the streets AND promise personal or spiritual growth.6. STYLE:Martial arts can be compared to a huge tree with many branches or styles. All “styles” are based on the mechanics of the human body. Every style has strengths and weaknesses as they each focus on different aspects of the arts.The true measure of a martial art lies in the practitioner, not the style.Having a general understanding of the different types of styles and their focus will help you in achieving your goals. In martial arts there are hard styles and soft styles.Hard Styles focus on striking techniques where the body is used as a weapon for attacking and defending – force against force. Much of the training is external, based on physical conditioning for strength and agility.
Soft Styles focus on redirection and physical manipulation through leverage and positioning – using an opponent’s force against him. There is often more focus on internal training, training of the mind as well as developing the body’s sensitivity to energy.
Blended Styles incorporate concepts from both hard and soft styles in a complimentary method, flowing and transitioning from hard to soft and vice versa.Depending on the area of focus, each style differs in philosophy and training methods. Applications obviously differ as well.Among styles the emphasis of training will primarily focus on one of the following areas:Artistic Expression – Schools with an artistic focus emphasize creative physical expression – the “art” aspect of “martial arts”. Artistic styles implement forms or choreographed techniques in training. They typically have more aesthetic beauty, as movements are fluid and graceful like a gymnast or dancer.Tradition – Traditional styles are rooted with Eastern culture and philosophy. Traditional schools implement both external and internal training for the development of the mind-body-spirit relationship. With this emphasis, martial arts practice serves as lessons for life skills. Practice may also encompass elements of spiritualism.Competition – Competitive styles generally focus on the sports aspect of martial arts. Competitions can range by category including weight class, level of experience, geographic region and specific style. The emphasis is on winning recognition such as rankings, awards, and trophies that is based on a fixed set of rules.Combat – Combative styles focus on street defense or military application, including law enforcement. It’s the “martial” part of “martial arts”. The emphasis is on practical application over aesthetic form or physical conditioning. Training includes weapons and reality based scenario exercises.Fitness – Schools that focus on fitness use martial arts as a catalyst for holistic health. Classes usually consist of fun, energetic physical exercises based on martial arts techniques. Classes will typically implement a broad and general combination of styles and areas of focus.There are also Modern Styles, which are evolved blended styles that are the result of further researched and developed methodologies. Their focus can be artistic, competitive, combative, or emphasize physical fitness.While it may be a good idea to blend styles, it can be counter productive to combine your area of focus. Be clear on which area you wish to predominantly focus on.Again, there’s no right or wrong style. It’s a matter of personal goals and preference.7. FACILITY:The first thing to consider is the school’s location in relation to your home or workplace.Creating a new habit can be challenging, so convenience plays a big role in supporting consistency. You may be commuting several times a week for training, so make sure the facility is close enough so it doesn’t become an excuse for you not to go.Martial arts schools come in many forms. They can be part of a franchise, belong to an organization, or be a one man show run by a single instructor. They may resemble a fitness gym, yoga studio, gymnasium or warehouse.Don’t judge a book by it’s cover, and don’t judge a martial arts school by it’s facility.Although you can’t measure the quality of a school by the facility alone, it does reveal a lot about the owners mindset, aptitude, emphasis of the style and curriculum, as well as the school’s level of professionalism.The degree of cleanliness may reflect the standard of service. You can get a good idea of the school’s style and emphasis by the school’s design.A school should have the amenities and equipment that support the context of it’s curriculum, such as a cage or ring for MMA or kickboxing, proper mats for Jiu Jitsu, etc.Consider what the school puts money into and determine if it actually adds value to your training.Also notice the subtle details of the facility that may effect on your training. Does the air stink? Does the lighting or colors of the facility effect your energy and mood? How’s the parking? Is it noisy?Remember, expensive equipment, and other luxuries equals higher tuition fees. Be aware of the costs of extra rooms and large offices that don’t directly add value to your training.With a good instructor and some basic equipment you can practice anywhere!8.SERVICE:Some schools have great sales and marketing techniques to get you to join. But, it’s the quality of ongoing customer service that really counts.

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Choosing a school that’s skilled in customer service will potentially save you from a lot of unnecessary headache. Poor customer service can ruin your martial arts experience at any level.Make sure that there are open lines of communication and that staff members are readily accessible to answer questions to your satisfaction.You may be with a school for many months or even years. Choose a school that cares enough to build a relationship with you.Know how to distinguish sales techniques from service.As mentioned, some schools are great at getting you in the door with attractive features and promotions. The question is, once you have signed up are you just another enrollment?A good comparison is the large franchised fitness gyms. Their amenities, equipment and low monthly fees are hard to pass up. However, once you join there’s virtually no service whatsoever. There are too many people who have gym memberships and don’t use them. They already have your financial commitment – a contract. Rest assured their service will pick up when it’s time for renewal. But is that service or just another sales technique?The level of transparency is the greatest measure of a school’s integrity. It’s a reflection of their standards of service.Does the school fully disclose all the costs involved in your training? Some schools have additional fees, like mandatory programs or association fees, that they don’t mention until you reach a certain point in your training.
When you have questions, do you get a clear answer right away or do you get an evasive response? The response you get is a good sign of what kind of service you can expect.
Many schools require you to sign a contract in order to take classes. Some schools offer a trial period where you can pay for a number of classes before you agree to a contract. A contract is simply a written agreement between you and the school, and it can always be negotiated. They should be willing to explain the details of the contract to your full understanding and agree to make any changes you feel are important, as long as it’s mutually beneficial.9. Price and Fees:How important is price to you? For many people, it’s the only real limiting factor.Since most people don’t know how to compare value to price, martial arts schools generally don’t advertise their prices – unless they’re promotional.Be honest. Before you read this guide, what’s one of the first thing you wanted to know about a martial arts school?Fees are usually priced by:Term period – specified time period with flexibility of the amount of classes taken, usually monthly or yearly
Number of classes – specified amount of classes taken
Combination of term and number of classes – usually a monthly fee based on the number of classes taken per week
Specific Programs – packaged programs such as Black Belt Clubs, Instructor Programs, Certification Programs, Seminars, etc.Tuition can range anywhere from $50 per month to $500 per month, depending on the school. Nowadays, the average tuition is about $150 per month for 2-3 classes per week.Tuition isn’t the only cost to consider. You will eventually be investing in training equipment, to some extent. Keep in mind that some styles require more equipment.While price is important, a common mistake is to compare price without comparing value.Consider the previous steps and the benefits before you focus on price. This way you can place some sort of dollar value on each component of a school and then shop around.Think of the convenience of schedule and location, the suitability of teaching style, class dynamic and level of instruction in relation to your personality and goals – can you put a price on that?With the knowledge you gained by reading this guide, you can make an educated choice in “how to invest” in your training instead of “being sold” a membership.Most schools require annual contracts. The contract should clearly explain the details of your membership. Generally, schools don’t offer any refunds on tuition.In most cases, a school will agree to make reasonable changes to the contract if you ask them.If you’re committed to your practice and have found a school following this guide, signing a contract is usually not an issue. However, knowing potential costs and understanding school policies will help you negotiate any changes, if necessary. What you’re really after is “peace of mind”, isn’t it?A contract should be mutually beneficial, so you want to insure that the contract also benefits you. This can mean discounted rates, as an example. A contract is also an incentive for you to get your money’s worth by coming to class regularly.Ask about:Price incentives for paying in full
Discounts for family members
Training equipment – and if they have to be purchased directly from the school
Belt testing fees
Any federation or association member fees
Cost for programs such as Black Belt Clubs and any other mandatory programs
Membership freezes in case of travel, injury, or maternity
Policy for relocation or moving
Fees for early cancellationIt’s also a good idea to ask whether the billing is managed directly by the school or if they use a billing company. Many schools use a billing company to help manage your tuition payments.If the school out-sources their billing, you will be dealing with the billing company for the payment of your tuition fees. The billing company will generally only contact you if you are late on your payment. If you ever have to deal with the billing company you can expect the type of service you get from a collection agency. They can also make negative reports on your credit.A high-quality school has the confidence to earn your business without requiring a contract. But they are rare. These schools are clear about their role. They focus on their core responsibility of providing quality instruction and guidance in your martial arts practice. Schools of this caliber don’t need to use creative sales and marketing techniques. Their business is built by their reputation, word-of-mouth.10. INSTINCT:Pay attention to your intuition when visiting a school. While going through the 10 steps outlined in this guide, you’ll instinctively know when you’ve found the right school.How long the school has been in business? Are they stable?
Are you confident in the instructor?
Do you like the instructor’s teaching style and personality?
Are the students friendly?
Did you have fun? Did you feel inspired?Ultimately, we make decisions based on our emotions and we justify them with logic. Your decision should be instant and definite. If you find yourself thinking too much or having to convince yourself, something is out of whack. Go back to step 1 or keep looking.