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Why do we need to travel? Why it is getting increasingly important that we, once in a while, change our environment and travel outside our country? Why it is sometimes a necessity for our emotional health to travel?Travel’s importance is underestimated by many people. Travel is not only fun, entertaining and enjoyable. With our current lifestyles and work conditions, travel has become more than an option. It is more than just having fun. As Augustine of Hippo said ” The world is a book and those who do not travel read only one page.”
 During travel you are able to do things you usually don’t do. When travelling, you go outdoor and be away from computers, and TVs and you are likely to be mixing with different people and cultures. People travel for different reasons. Some travel for fun and to have a good time. Others travel as a hobby. Travel can be an escape away from the hectic pace of life in big cities. Some travel just to change and move, as Robert Louis Stevenson said “I travel not to go anywhere, but to go. I travel for travel’s sake”. Some people like to learn from different cultures, as Mark Twain said ” Travel is fatal to prejudice, bigotry, and narrow-mindedness.” Travel gives the person the opportunity to discover, to explore and to feel the sense of adventure.Many people around the world are discovering the benefits of travel to the extent that the tourism industry is growing worldwide and has become one of the major profitable sectors in world economies. No wonder that travel is growing year by year. According to figures published by the World Travel & Tourism Council WTTC, world tourism industry grew by 3% in 2012, and contributed $6.6 trillion to world GDP by direct and indirect impact. In 2012, for the first time in history, international tourist arrivals reached 1.035 billion.Here are the main benefits of travel:1-Stress Relief: As you travel miles away from your environment, you are able to be free from your responsibilities and then begin to relax and rest. Not only you rest your body, but also your mind. Knowing that you can wake up anytime without an alarm clock, without the need to be physically available at work, will take off a lot of mental stress. Here, you can sense freedom. Stress relief is a major reason for travel. The moment you think you are heading for Hawaii or Bali, you get immediate sensation of excitement and stress-free feelings. It is this mental peace that makes travel a very good stress-relief. Sometimes travel can be stressful if your trip has a lot of sightseeing, or meeting a lot of people. But travel stress is different from home stress because it is positive stress. Travel stress does not associate with it anxiety or worry.Travel is a great way to connect with nature which is very helpful for your relaxation, mentally or physically. Nature is a stimulus for activating your right brain. Right brain domination is one major cause for stress-relief. Also, during travel there is no sense of urgency which is usually associated with home behavior. Change of scenery is by itself helpful for relieving stress.2-Physical Benefits: You move more when travelling. You walk more frequently whether riding the subway or exploring the streets of a historic city or even visiting a museum. By swimming or laying on the beach, you get a high dosage of vitamin D from the sun, something that is very useful for your bones and also for your positive emotions. Outdoor activities associated with travel can lower risk of diabetes, lead to weight loss and reduce cholesterol level. Some medical experts recommend traveling once every six months for cardiovascular health and for the heart. Some studies show that travel even improves better sleep.3-Cultural Benefits: Sometimes we need to be anonymous. Sometimes we want to be free from any responsibility. Travel allows you to exercise both while meeting new people and experience new cultures. You will know how different people accomplish their goals with different ways. You will learn new ideas that you have never thought of before.4-Relationship Benefits: Traveling with a companion and sharing same experiences and situations together will enhance your mutual bond. 93% of youth ages 8-18 consider travel as “a quality time” spent with their parents. 3 in 4 parents say that family vacations are very helpful for the family. Meeting new persons in new locations can result in long term relationship for many.5-Happiness: Many persons associate happiness with travel. More than 50% of adults buy souvenirs just to remember their vacations. Most travelers store photos of their destinations as a way of remembering those trips that are about tasting new food, beautiful sights, historic monuments, and new music. This is one reason that travel can be addictive, especially if have enough time & money. It has become a hobby for thousands of people around the world.Remember, you can travel and have fun with a limited budget. Plan carefully and spend wisely. Read and learn saving tips.

Everyone borrows money from the financial market at one or the other time to meet some urgent needs. But, at that time we don’t realise that taking various debts from different lenders may become a burden one day. If you too are facing the same circumstances then debt management can prove to be the best solution to all your worries.Debt management can be defined as an informal process of negotiations with the creditor to obtain a reduction in the interest rate levied or to reduce contractual repayment. The negotiation process involves giving proof to the creditors that the debtor has insufficient funds to meet all the debt obligations.Debt management is a fair and growing service in the UK. Debt problems usually occur due to circumstances which are beyond a person’s control. Debt management not only helps in reducing a borrower’s monthly payment but aims at eliminating all his debts. Borrowers get the benefit to consolidate their debts that are as low £3000 to a maximum of £250,000. Some lenders may even help in eliminating a higher amount of borrower’s debt.Debt management is open to all. Good credit people, bad credit people or people with bankruptcy, CCJs or bankruptcy. Debt management by managing debts of a debtor can help in improving his credit score by making him accountable to a single low monthly payment.There are various tools available for debt management. Debt management on a smaller scale is known as debt counselling. The idea is to offer knowledge to the individuals. It involves various debt management techniques-* Expenditure should be restricted proportionately to the income* In case a debt has incurred, proper arrangements must be made for its repaymentAnother important tool for debt management is debt consolidation loans. The loan provider helps in the settlement of debts. This loan helps in consolidating the existing debts of borrower. It aims to make the repayments affordable by lowering the interest rates.Borrowers can make efficient use of the expertise of the debt management agencies which they have gained through years of work in this field. Debt management representatives working with debt management agencies give borrower’s the power to get out of debt. They negotiate with the creditors on behalf of the borrower.Debt management plans are formulated by the debt management representatives or consultants. It can help a debtor to repay the debts at an amount that is affordable. Debt management plan consolidates all the unsecured debts of an individual into a single monthly repayment which is then paid to the creditors on a pro rata basis over an agreed period of time often 4 years or more by the agency which is managing your debts. Trained debt management consultants calculate this amount in assistance with the debtor by thoroughly reviewing his financial position.You need to stay aware of the fact that as every coin has too faces. There is one more aspect of debt management you need to look at. Most of the debt managers charge hefty fee for this service. But there are debt managers who can do this job for you at a low fee or for free. So you need to keep your eyes and ears open before you decide to opt for debt management.There are various debt management agencies in the finance market. Look for debt managers who can offer you this service at low cost with maximum benefits. Borrowers can search for debt managing agencies online too. Internet can help you access infinite number of debt management agencies from your home or office computer. The online process saves your time and efforts.Debt management can make you debt free. But you need to maintain discipline in your life so that you may not fall into the same debt trap in future.

Small or big, your business is going to yield good returns through Custom eCommerce Solutions. Custom eCommerce Solutions consists of attracting new customers, delivering a satisfactory shopping experience, offering you the tools to manage efficiently.Time has become the rarest commodity in this technology oriented era. Naturally, shopping has taken a back seat. But technology has come to rescue shopping as well. You can shop sitting at home maintaining your privacy; and if you are a business owner, custom eCommerce solutions will help you catering to your needs. Custom eCommerce solutions are meant for both business owners and customers.Sometimes you feel hampered because your standard plug – in applications will not suffice your needs. At the same time custom ecommerce solutions can be tailor made based on your exact needs. Web companies will first understand and work on your designs and development, integration and implementation.This ecommerce shopping cart platform supports you with its features to boost your online retail business. The best part of this is, you do not need any in house technical support. Everything is managed by feature rich online store, which is customized according to the needs of customers. From the most modern pricing schemes to versatile catalogs to intelligent sales data analysis, Power shop helps you survive the tough competition. An eCommerce solution is based on rich experience in design and development and also implementation.Web development agencies have created wonderful ecommerce solutions. eCommerce means everything, related to shopping is done online. You can even shop sitting at home in privacy. eCommerce has been growing helping its customers to the fullest. It is convenient, quick and choice is in your hand. It is just like manual shopping but the difference is you save time, energy, and commuting. In this technology era, everyone is so busy that it becomes difficult to go for manual shopping! eCommerce is a solution for all these hassles. Customers are given access to product/ service section completely.Most of the businesses have turned online, so also service providers. It means eCommerce has been clicking more than their expectations. There are multiple agencies cropped up offering ecommerce solutions as a package deal. eCommerce sets its own target whether it is product selling or client service. For any business you should have an individualistic approach in eCommerce. Here custom ecommerce solutions play a greater and important role.eCommerce shopping cart solution is the most favorite of all. Shopping cart can be used for multiple purposes on ecommerce platform. Payment procedure has been managed by shopping cart so meticulously, since it is a major part of eCommerce. These features of shopping cart make it the hottest on e-platform. Here are examples where custom eCommerce solutions have bigger roles. These are the areas custom eCommerce solutions helps us.* Ecommerce Trading Exchanges.
* Electronic Market-places and Online Shopping Malls.
* Supply Chain Management.
* Inventory & Product Catalog Management System.
* Order Entry & Fulfillment Systems.
* Real-time payment processing.
* Customer Relationship Management (CRM) System.ECommerce is booming with high potential in marketing. It is a powerful package for easy ordering, security of data and payment, with quick and proficient delivery. Custom eCommerce Solution is in practice since 1996.

Universities are gradually evolving and moving from the purely traditional system to the modern technological induced system. The rate of this technology driven state of universities globally is unprecedented. This makes it imperative for new entrants who are not abreast with information and communication technology (I.C.T.) skills to catch up at relatively short times. Thus, an immediate orientation course in I.C.T. targeted at developing the competencies of students in coping with the technologically charged university environment must be a prerogative of universities. This would aid in boosting teaching and learning activities at the universities while maximizing the expected behavioral change in learners after their education at the university.The course activities at the universities today are streamlined in technology. For instance, the teaching and learning materials are now in electronic formats. These e-resources must be downloaded by students from specific websites given by the lecturer.Sometimes, some lecturers hold virtual classes online with their students due to geographical constraints due to emergency workshops, conferences, and meetings. In addition, numerous assignments require that students carry out extensive research using online databases. These assignments are mostly to be submitted electronically to the electronic mailing address of the lecturer or uploaded on a virtual platform created by the lecturer or institution. Thus, if a student is deficient in I.C.T. skills, how can s/he cope with this technologically induced university environment?Some may bicker that students at the Senior High school level were required to take lessons in I.C.T. to cushion them for the tertiary education steeped in technology. True this may be, the majority of the students at the High school level were not privileged to have had this opportunity due to many challenges. This may be as a result of the lack of technological accouterments as well as qualified instructor in the field to better handle the instruction delivery. These pool of students at most local communities and some urban centers are thus, highly deficient in technology. When they find their way to the universities, they meet an entirely unfriendly environment full of technology which they must speedily get abreast with all by themselves. Fast learners are able to learn these I.C.T. skills quickly from friends who were privileged to technological training while slow and shy students’ ends up throwing in the towel to university education.Others experience the first attack of unfair grading as the primary by-product of their deficiency in technological skills. Sadly, these ‘snail-to-technology’ students are objects of ridicule by their colleagues and some lecturers who are technology-privileged. This is much experienced when group assignment and presentations are to be carried out on virtual platforms. Demoralized students usually fall prey to absenteeism to lectures that are solely technology grounded. This gap that exists between students who are able in technology and those who are deficient must be bridged.An immediate remedy would be the organization of I.C.T. lessons tailored to meet the requirements and expectations of students at the university. This short course or orientation must be carried out in the very first week of student’s admittance to the university. It can even be scheduled as part of the orientation sessions usually promulgated at virtually all universities globally. This training aimed at endowing new entrants with basic skills in I.C.T. would help them to be able to cope and succeed in their newly found technologically induced environment.Tertiary institutions must make it a priority to organize this I.C.T. lessons since the traditional face of universities is being fast transformed into technology-induced condition. This great feat would aid in beefing up academic work at the universities while arresting the ill of truancy on the part of students due to lack of technological skills.

Introduction: -”Your ability to communicate is an important tool in your pursuit of your goals, whether it is with your family, your co-workers or your clients and customers.” – Les Brown.It is derived from the Latin word “Communicare” means to share. Communication is a process of transferring signals/ messages between a sender and a receiver. It can be done through various modes / methods which can be Oral (using words), Written (using printed or digital media such as books, magazines, websites or e-mails), Visual (using logos, maps, charts or graphs) even Non Verbal (using body language, gestures, tones and pitch of voice). Communication skills doesn’t only refer to the way in which we communicate with others, in fact, it includes various other elements like our body language, gesture, facial expression, posture, listening skills, pitch and tone of voice.In today’s highly competitive world a good communication skill (whether oral or written) is a must. According to Robert Anderson, “Communication is an interchange of thoughts, opinions, or information, through speech, writing or signs”. Written Communication means communication by means of written symbols (either printed or handwritten).
It is a mechanism we use to establish and modify relationships not only in business world but in each and every aspect of your life. It helps the relationships to develop along good lines and helps to avoid insults, arguments and conflicts. Today, an effective communication skill has become a predominant factor even while recruiting and selecting any potential candidate. While interviewing any candidate many interviewers judge them on the basis of their communication skills.Many experts believe that good communication skills can improve their efficiency, productivity and their interpersonal relationships not only within the department but with the entire organisation as well as with the external public. Even if you look at any job advertisement most of them mentions that candidate should have good communication skills.In any interview a good communication skill helps to create an edge over others since technical qualifications are likely to be more or less the same for every candidate. It is often observed that promotions come easily to those who can communicate effectively irrespective of the nature of job, designation or department i.e. from senior level to lowest management level. In fact as career progresses, the importance of communication skills increases; the ability to speak, listen, question and write with clarity and conciseness are essential for every manager and leader. A good communicator identifies strengths as well as weaknesses in their communication that comes in their way of being able to convey their message effectively. They identify the reason for the same and try to find out suitable solutions for the same.Good communication skills help any individual in not only his professional life but all aspects of their life. In modern business world the ability to be able to communicate information accurately and clearly is not only accepted by also expected in any organization and hence should not be overlooked. The ability to speak appropriately with a wide variety of people, maintaining eye contact, correct usage of vocabulary, customizing our language to suit the audience, active listening, presenting our ideas appropriately, writing concisely, being a team player are the most important criteria’s that must be considered by each and every individual for effective communication.

Learning how to invest and make money from home might apparently feel like a scam but it is really easy. All you need is a thorough research and clear financial goals to make the most of your investments. You need to understand that even the smallest investment comes with its own risks and as an investor you have to take risks to make steady gains. The higher the risks the greater the gains!In this article, we will take a quick look at some of the essentials that you need to check prior to investing all your money.Investor profile – This is probably the most neglected yet the most significant aspect that determines the failure or success of your investment. To invest and make money from home, you need to dig deeper into your investor profile. Knowledge about your investor profile will help you to find out the different types of investments that you can consider. Some of the important elements of your investor profile are the duration, returns, liquidity and risk. The duration will tell you about the time period you will like to invest for and the returns will let you know whether you want a fixed income or steady growth. Liquidity will tell you whether you will able to access your money easily or not and the risks will give you an idea of the risks involved in different types of investments.Investment ways – There are a variety of investment ways open to you, so that you can invest and make money from home. For instance, you can invest through your bank for the term deposits or you can choose a sharebroker to invest in shares and bonds. At the same time you can even invest in properties through a real estate agent. Prior to investing with any of them, you should carry out your own research on the various types of investment markets.Financial goals – You need to find out what exactly you want to achieve through your investment. You need to find out the time period for which you can afford to part away with your money and at the same time you have determine whether you are looking at an income or you want to see your funds grow over a period of time. All this will guide you in etching out the perfect investment strategy with an eye on accomplishing the financial goals that you have set.Investment advisor – There are many companies as well as investment consultants who can guide you in making the right investment decision. In order to lower your investment risks, you need to hire a good investment advisor. An efficient advisor will tell you the right places to put your money in and all you have to do is pay up a small fee for their services. With an efficient investment advisor at your side you can easily invest and make money from home without any hassles.

Online marketing is a term we hear so often nowadays. Though traditionally, marketing was all about a billboard advertisement or an ad featured in a magazine, today it’s about so much more than that and there are so many possibilities and avenues to explore.Modern-day marketing involves a unique blend of artistry and science. In order to be successful a marketer needs to combine a number of elements, as outlined below:The Art of Successful Online MarketingHigh-Quality Content CreationSuccessful marketing begins with your written content. This has become one of the most fundamental strategies for modern marketing, provided the content is packed with useful information and is very well written.ImagesImages also play a key role in the success of your online marketing strategy as visual content captivates consumers and encourages them to stay put on your website for longer. Focus on incorporating images into your blog posts and website content in order to maintain user interest.Email MarketingEmail marketing is another critical aspect of your online marketing strategy and is a fantastic way to reach out to thousands of people with the click of a button. By crafting interesting, resourceful and appealing email marketing campaigns you will generate a large and committed following of loyal clients.Social MediaSocial media has dramatically changed the way that businesses interact with their clients, so it’s essential that you have a solid social media marketing campaign as part of your marketing efforts. Social media provides a human element to your business and therefore enables you to truly craft your brand, interact with consumers and manage online relationships.The Science of Successful Online MarketingAs previously mentioned, successful online marketing is as much a science as it is an art. In terms of the science of successful marketing, you need to focus on:
AnalyticsAnalytics enable you to evaluate important trends and takeaways from one location, but you need to be able to evaluate the data independently and gauge which direction your marketing strategies should be heading in.Performance Tracking & Campaign PerformanceEvery marketing activity you undertake should be carefully recorded and tracked to ensure it is as cost-effective and successful as possible. Finally, there are plenty of tools available to track the performance of your latest campaign.As you can see there are plenty of requirements involved in the role of contemporary online marketer which is why it’s essential that you are able to quickly adapt to this ever-changing industry and excel.