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Buying your first home

Looking to buy a new home? Find out 9 common mistakes that could cost you in the long run.
Buying a home is more like buying a used car than renting an apartment. You need to ask questions, look under the hood and take it for a spin. Turn on all the faucets. Flush the toilet. Blast the heat and see what happens.

Gabby Orcutt of Rockton, Pennsylvania, had this epiphany when she bought her house several years ago. She and her husband only did one tour before submitting an offer. During their final walkthrough, two months later, they didn’t actually “walk through.” Instead they only stayed long enough to stock the fridge and fire up the wood-burning stove.

What they discovered after they had finished signing all the closing documents left Orcutt with thousands of dollars in extra repairs and several key pieces of advice, the first of which is: Don’t be afraid to get your nose close to the carpet.

Here’s why, along with eight other things you should know about the home warranties for first buying before you buy your next home – Paint Tutorial

What to know Before Buying a House; this content will help you:
Turn On All 5 Senses
Use Skilled Professionals
Don’t Fall in Love
Don’t Get Pressured
Know What You Can Afford
Search for a House That Fits Your Life
Buy a House You Can Afford Now … and Later
Be Picky When Choosing an Agent
Don’t Set an Unattainable Timeline
When Orcutt and her husband first toured the home they were about to buy, they noticed a strong wood-burning smell, “like a campfire.” But they didn’t think too much of it because, after all, the house had a wood-burning stove. After they closed on the house, however, they started to notice a different odor mixing in with the wood scent. It came, Orcutt realized, from the carpet.

For safe homes, smart remodeling can go a long way. Bay Area Home Remodeling company has a record for smart remodeling that can increase the life and value of your property.

“It had a urine smell of some kind I couldn’t put my finger on,” says Orcutt. “I don’t know if it was human, mouse or dog.” Any could have been a possibility since the previous owner had a dog and, the Orcutts realized after the fact, a significant mouse problem.

“I tell people now don’t be afraid to get your nose near the carpet,” she says. “Take a flashlight with you and look under the beds. Move furniture around. If the basement is finished, make sure you knock on the walls to see if they sound hollow. Peek up on closet shelves—that’s where we found mouse poop. Open the dishwasher—that’s where we found ants. Open the dryer—that’s where we found ink stains and melted candy wrappers.”

And that wood-burning smell? Turned out that the firebox was cracked and the flue was defective, filling the house with carbon monoxide. “We needed to buy an entire new heating system,” Orcutt says.

Orcutt’s purchase was directly from the seller, so no real estate agents were involved. This saved on commission, but without someone to advise her, Orcutt made two crucial missteps: She didn’t get a home inspection and did not do a full walk-through before closing.

Orcutt doesn’t regret not using a Realtor, but she does regret putting so much trust in the seller. She also regrets not hiring a better lawyer. It turned out their lawyer was also representing the seller, and he never advised them to have the seller sign a disclosure form. That could have given them more legal recourse after the fact when they had to sue the seller regarding the faulty heating system, damaged appliances and rodent problems. Also, the walls, ceilings, and floorings must also be carefully checked as they require a lot of maintenance once damaged. Professionals like Commercial grounds maintenance Bromsgrove and others might be helpful in this, however, it is always better to check them beforehand.

“Don’t be timid, shy or intimidated about the process,” says Orcutt. “You’re going to sink a lot of money into this. Make a smart buying decision and do your homework.”

When shopping for a new home, leave your heart at the door. Love at first sight is so easy, especially when you’re looking at homes that are a step up from where you are now.

I remember distinctly the feeling of “this is my future!” that cascaded upon me when I first walked into my current house. It had everything we needed: a backyard, a garage and tons of natural light. I swooned. By the time we started talking money I was so intoxicated by the idea of me in that house that I glossed over facts, such as that the down payment required might exceed how much we’d earn on the sale of our current home. It somehow seemed inconsequential because I was in love, and that would make it all OK, right?

Wrong. Don’t shop with your heart. Shop with your mind and be guided by your monthly budget. And don’t look at houses that are beyond what you can afford because that’s the quickest path to disappointment.

When we bought our house, our Realtor called us with great news: The perfect house for us was set to go on the market that evening at 5 p.m. We had to drop what we were doing and race to meet her there. When we walked in, the house was definitely a dream. However, it was slightly more than what we’d hoped to pay visit the site for more details

But, as she told us, the resale would be phenomenal. We were only talking a few extra dollars a month in the mortgage payment. The location was perfect. But—gasp—three people had already seen the house before we had set foot inside.

“I’m sure they’ll have an offer by tomorrow morning,” the Realtor said. “If you’re interested, you have to make an offer tonight.”

What? We had barely started looking for houses. While she said the neighborhood was great, we were unfamiliar with it. And yes, the house was nice, but how could we sink all of our money, hopes and dreams into a house we’d seen for 10 minutes?

I still remember dinner that night with my husband. We had a fear-induced fight. The pressure to act was intense. In the end we accepted that we weren’t ready, and that was a hard pill to swallow. But it was the right one. Don’t let anyone or any circumstance pressure you into making what could be a huge mistake.

When we were shopping for our first home, I submitted a prequalification application with an online bank. A representative called me immediately with great news: We qualified for a $250,000 mortgage.

Really? I was amazed. According to our math, when you considered the mortgage amount, taxes and insurance and all our other bills, the most we could afford was $175,000. But the bank was willing to give us so much more, so I must have been wrong.

I called my husband enthusiastically. Fortunately, he was the voice of reason: It doesn’t matter how much money the bank is willing to loan you. What matters is what you are comfortable paying every month, and that number might be much, much lower.

“The bank, the real estate agents, the loan officer, they should not tell you your affordability, you should tell them your affordability,” says Michele Serro, founder and former CEO of

With our first house, my husband and I dreamed of flower beds and sculpted bushes. What we didn’t think about was all the work that would go into maintaining that beauty. We realized quickly that we didn’t want to spend our weekends pulling weeds, and soon the front and backyard became another chore on the list (one that was all-too-often neglected).

Don’t dream of the house you want to live in. Think about what type of house will fit your life. “The first step should be to visualize home ownership,” says Serro. “What type of life are you looking to lead? How long are you going to be there?”

Affording our first house relied strongly on the fact that both of us were working. So when our daughter was born, we had to do some new math, and the numbers didn’t bend the way I hoped they would. I took six months off before realizing that my fantasy stay-at-home mom life was going to dig us deep in debt.

Think about the expenses you might have down the road. Will you have to pay for private school? For a nanny? Your car is paid off now, but how long before you’ll have to replace it with a new one? Make sure your mortgage leaves you with some wiggle room to take on new expenses when necessary and save more in preparation for them.

One day we drove past a house we really wanted to tour. We didn’t have an agent yet, and so we called the number on the sign. Within an hour he had arranged for a showing. He quickly had a list of other houses he thought we should see. “Now we have an agent,” we thought. “That was easy.”

This was truly the wrong way to hire an agent. We hadn’t asked him a single question about his experience (turned out he was brand new to the job) or how many houses he had sold (not many). Our sole criteria was: He’s here and he seems like a nice guy.

“You need to be interviewing these people and asking them the right questions,” says Serro. “Just like I don’t want you to fall in love with the house, I don’t want you to fall in love with an agent because you believe that they are a nice person.”

When looking for a real estate agent, Serro says a personal referral is the best way to start. If that’s not available, ask a prospective agent for a reference or two. Two-thirds of home buyers only interview one agent before hiring her, according to the National Association of Realtors, which is the wrong way to go, according to Serro. She recommends you always interview several agents before settling on one. Ask how many buyers they are currently representing (you don’t want to be one in a herd trying to get her attention) and their work style. For example, if you hate to talk on the phone, make sure your agent is email and text-savvy. And finally ask yourself: Do I like this person?

“On the buying side, I do think that the emotional stuff is important because there’s going to be moments when you feel really down,” says Serro. “You’re going to want someone you trust there to be able to give you the confidence you need.”

You start your home search in May sure that you’ll be in your new home by the time school starts in September. But don’t be surprised when that is not at all the case. The average home search takes 12 weeks, according to the National Association of Realtors. Once your offer is accepted, Serro says to expect a 90 to 120 day wait before you sit at closing with a pen and a huge stack of papers.

So don’t plan too far into the future. If you’re currently renting, go month to month on your lease if possible. It’s better to take your time and find the house that’s right for you than to be forced into something less-than-perfect because you’re operating on someone else’s timeline.

Gold IRA for Kitco Precious Metals

There is no substitute for holding physical precious metals in your IRA.

Conventional IRAs are limited to the usual menu of paper assets – cash, stocks, bonds and mutual funds. Even exchange traded funds focused on gold or silver or mining stocks won’t provide the security investors need in these volatile times.

Banks and brokerages can and do fail. The dollar perpetually declines in purchasing power. Physical bullion endures.

One of the reasons of why they are the best is because not only can you purchase, hold, and sell real precious metals with a tax-advantaged Self-Directed Precious Metals IRA account, but also you can withdraw your bullion and take direct physical possession of it under normal IRA distribution rules.

Few Americans have any idea about these fantastic options, because their brokers have never told them!

How a Gold IRA works:
Step 1:

Choose a custodian and fund your self-directed IRA account — tax free!

There is absolutely no good reason for your IRA to be limited to investments in paper assets.

Conventional banks and brokerages get paid handsomely for trading paper, so they limit their customers’ choices. You can take the exit and get control of your investment choices with a self-directed IRA. Money Metals recommends New Direction IRA (see below) because this trustee company offers the lowest fees and best customer service for our clients. But we can work with any firm providing self-directed accounts – additional companies are listed at the bottom of this page.

New Direction Trust Company (NDTC) is a Self-Directed IRA provider that specializes in holding physical precious metals as well as other assets like real estate and private loans. New Direction allows clients to use a variety of depositories — giving customers more choices than many other trustees do — and still has highly competitive fees (starting at only $75/year). Diligent customer service and quick processing speeds are among New Direction’s core strengths.

Step 2:

Lock pricing on the gold, silver, platinum or palladium bullion you want to hold.

Your IRA may hold a wide array of bullion coins, rounds, and bars offered by Money Metals Exchange. Here is a list of all metals that can legally be held within your Self-Directed IRA account. (No slabbed/graded “rare” coins are allowed, which should not be a concern because they are highly risky and tend to be poor investments.) You’ll receive payment confirmation from Money Metals Exchange and be able to track your shipment all the way to the depository.

Step 3:

Complete your transaction.

We’ll send you confirmation and any other form that needs your signature immediately after we lock your pricing. Simply sign and fax or email the forms back. Your custodian will issue payment for the metals on behalf of your IRA and we’ll ship the metals to the depository you have chosen for safe storage.

We will buy the metals you hold back at any time based on the current spot prices. Investing in beautiful, tangible coins, rounds, and bars in your IRA is the easiest option your broker or financial adviser will NEVER tell you about!

**Please Note: We can partner with ANY self-directed IRA custodian. Here are examples of other firms with which we have worked:

Mountain West IRA
Millennium Trust
IRA Services
Ramsey National Bank
Kingdom Trust Company
Equity Institutional
GoldStar Trust Company
Regardless of which firm you choose as custodian for your IRA account, we can deliver the physical gold, silver, platinum, and palladium bullion you want – and at great prices!

What is the difference between IRA Approved products and products that are not flagged as IRA Approved?
The IRS mandates that gold held in an IRA be at least .995 pure (.999 or higher for silver). The agency created an exemption to also allow gold American Eagles, minted by the U.S. Mint, which are 22 karat purity (or .9167 pure). Unfortunately, this exemption also includes those scandalously priced “proof” Eagles, a form of Ripoff Gold that unscrupulous dealers pressure IRA customers to buy.

Meanwhile, depositories and IRA custodians generally have more stringent requirements. They often require bars and rounds to carry a mint mark from a COMEX approved refiner or certification that the items were produced by a firm with ISO 9001 quality controls. This measure is intended to protect their customers.

Some items at Money Metals Exchange are designated “IRA Approved” for precious metals backed Individual Retirement Accounts and some are not. This designation is really based on two sets of criteria — one that comes directly from the IRS code governing IRAs and one that comes from the firms that provide storage and IRA custodial services.

Unscrupulous dealers took advantage of customers ordering for their IRA accounts — particularly when the metals were headed into an unallocated or unsegregated type of storage account. Dealers shipped the least desirable and most difficult to market items. IRA orders represented a quick way to offload anything tarnished, scratched, and oddball.

These dealers knew the customer was unlikely to ever actually see the metal they purchased. And, if they did, the dealer could point the finger elsewhere. After all, the metal was delivered back out of an unallocated account, which means it could have originally come from any other dealer and any other customer.

Money Metals Exchange protects your privacyThe “IRA Approved” items at are accepted by all of the major IRA custodians/depositories and meet the IRS requirements.

So, should you limit yourself to “IRA Approved” bullion products? Only if you’re buying specifically for inclusion in an IRA. There are great products including Krugerrands and Pre-1965 90% silver U.S. coins that don’t meet IRA eligibility, but are a cost-effective way to buy the metals. There are also products — 1 oz silver rounds in particular — that often do not carry a mint mark. Your best assurance of quality will be in choosing a reputable dealer.

Why Don’t Financial Advisers Recommend Silver and Gold IRAs?
Very few U.S. investors own even an ounce of gold bullion or silver bullion, so it should come as no surprise that almost none of them know of the various options to hold bullion in an IRA account. The lack of awareness is generally compounded by financial professionals – the very people whose job it is to educate investors.

Most investment advisers tout “diversification” as the ultimate investment strategy, then turn around and limit their clients to IRAs with the traditional menu of nothing but paper investment options – stocks, bonds, and mutual funds. Brokers are not anxious to promote true diversification away from these paper assets, as they would lose out on management and/or transaction fees.

Alert investors who are concerned about a portfolio limited to paper assets have a much better option. This option is known as the self-directed IRA.

By giving yourself full authority over your portfolio, you can then invest directly in other things besides registered securities – real estate, privately held companies, and precious metals, for example.

You can take matters into your own hands by opening a self-directed account. In it, you can purchase qualifying silver or gold bars and coins, and get immediate protection from the devaluing dollar in real, tangible metal.

And, when you are ready, you can actually take physical possession of that metal through distributions from the IRA. You completely avoid exposure to the dollar or paper assets denominated in dollars.

Many investors in precious-metals-backed ETFs have been moving out of such proxies and into self-directed IRAs holding physical bullion, stored at facilities of the investors’ choosing. While ETFs offer a few advantages for short-term or high-frequency traders, the risks of holding precious metals ETF shares are increasingly coming to light.

Can You Invest Your 401k in Gold?
You almost certainly won’t be able to buy bullion using funds in a 401(k) plan (unless the plan sponsor has set up a self-directed option, which is extremely rare). However, you may be able to convert some or all of your 401(k) balance into a self-directed IRA – the type of retirement plan you need to hold physical gold and silver. As a rule of thumb, you can make this “rollover” if you are no longer employed by the sponsor of your 401(k). If you are still working for the firm sponsoring your plan, you will be limited to the investment options they have chosen for you.

But just about any conventional IRA, whether Roth or traditional, can be converted to a self-directed account. Switching is easy. Most providers can enroll you right online – no need to print forms, complete them, and then mail them off. That’s it. The provider will work directly with your existing IRA/401(k) custodian to transfer funds.

And it is definitely worth doing. Traditional IRAs are the products of banks and brokerages. They offer the usual lineup of paper assets – stocks, bonds, mutual funds, and money markets. Self-directed IRAs don’t just allow you to hold physical gold, silver, platinum, and palladium. They also allow you to hold real estate, shares of an LLC company, promissory notes, and more.

Is Opening a Home Storage IRA Prudent?
No, it’s a bad idea. A small handful of outfits in our industry recently sprang up and started heavily promoting a so-called “self-storage” or “LLC” IRA. The pitch is for you to establish an LLC company to store the metals on behalf of your IRA in your home (or nearby).

At first glance, it sounds like an attractive option. Investors buy metals to increase privacy and control. Some do not want to rely on third-party vaults and would prefer having personal access to their metals 24 hours a day, 7 days a week. We totally agree with this sentiment when it comes to precious metals that you personally and directly own. But anyone considering this “self-storage IRA” scheme should be extremely careful and aware of the risks.

In short, the scheme appears likely to blow up. The IRS may one day disallow the whole thing and declare taxes immediately due on the entire IRA balance, along with any applicable penalties.

First, a little background on the IRA structure. The IRS requires the assets in your retirement account to be held by a third party.

The intent is to stop account holders from using or accessing IRA assets for personal benefit because doing so would be tantamount to a fully taxable distribution. There are also a number of prohibited transactions and disqualified persons.

The innovation these dealers promote involves IRA holders setting up a stand-alone LLC company which they personally manage. The investor takes possession of the metals on behalf of their IRA rather than personally, thereby supposedly meeting the third-party requirement.

LLC IRA promoters haven’t convinced the IRS or any court that, in the context of precious metals stored at home, the LLC company scheme can be reliably managed to avoid impropriety with regard to IRA rules.

As one expert frames it; “you can own a bakery with your IRA, but you cannot be the baker.” Owning a business with your self-directed IRA is okay. Hiring yourself and paying a salary is a definite no-no. Likewise it is perfectly fine to buy investment real estate, but your IRA cannot purchase your personal residence.

Creating an LLC company to purchase gold and silver coins and then storing them in your home safe – e.g. next to the rifles and some coins you inherited from grandma – hasn’t been found definitively to be a violation of IRS rules, but it sure looks like trouble, particularly because IRS rules do state that IRA assets cannot be commingled with other property.

IRS Has Signaled It Will Disqualify “Home Storage” IRAs
It is easy to imagine the IRS ruling against attempts to store IRA metals at home – nailing people with a huge bill for taxes and penalties. In fact, the agency is now issuing warnings. Laura Saunders of the Wall Street Journal recently covered the topic; “The Internal Revenue Service says it ‘warns taxpayers to be wary of anyone claiming that precious metals held in your IRA can be stored at home or in a safe-deposit box.’”

So, thanks to the recent hype, these schemes are now on the IRS’s radar. Although we are the last ones to say that the IRS is always right in their interpretation of the law, it does appear they will start going after “home storage” IRAs soon. We doubt many of our customers would want to be a test case for this iffy strategy.

Here are some other reasons to tread with caution:

The rules around third-party management and control of IRA assets are highly complicated, and it would be easy to trip up and violate them.
There can be significant costs of setting up and maintaining the LLC’s operating agreements and state LLC filings.
Costs could be higher if the holder takes a bit more prudent course and has prospective transactions reviewed by an attorney and/or CPA.
There is currently a lack of clarity on what coins, rounds, and bars can and cannot be held in the LLC IRA, even assuming the structure itself withstands legal muster.
If that still isn’t enough to give investors pause, we are also troubled by what we discovered when looking into some of the people who are aggressively marketing the “home storage” IRA scheme. Some of the characters involved are connected to shady, or even failed, rare coin dealers. They may tell you they have several letters from attorneys they’ve paid which declare the scheme is perfectly legal. They will charge what always amounts to huge set up fees. And they may try to sell you some of their overpriced “proof” coins to hold in the account.

But they may not mention any tricky nuances about what metal products might be allowed, assuming any would be allowed at all. They won’t focus on the complicated reporting and file keeping that is required in order to have a reasonable chance of defending the scheme against an IRS attack. And they certainly won’t take the fall for people when the IRS disqualifies the scheme and demands tax and penalty on one’s entire precious metals holding.

In our view, the hype underplays – or outright ignores – the potential risks. Investors should only go down this road with their eyes wide open. And do so only after consulting your own attorney and accountant.

If you actually want to explore this, please do some additional due diligence. And don’t limit your investigation to IRS rules and guidance. Check out your prospective dealer as well. The internet is a great tool. You can check the Secretary of State’s website in the dealer’s home state to find out how long a firm has been in business. Look for the firm’s owners and key personnel, then do an internet search on those names.

If you do that, don’t be surprised to find complaints, lawsuits, or ties to a precious metals dealer that went out of business while facing a prosecution for deceptive business practices. You can also find out what people are saying about their experiences with the dealer online – at the BBB’s website and elsewhere.

There really is only one right way to own physical metal in your IRA. Choose a custodian and set up a self-directed account, purchase bullion from a reputable dealer, and store it in a professional third party vault. Many people can even find such a facility close to home.

At Money Metals, we help people to establish proper gold and silver IRAs daily. At a minimum, they save a fortune in coin premiums and set-up fees, and they are likely to save a whole lot more in taxes and penalties.

How Can I Avoid Taxes and Penalties for with Liquidating an IRA to Buy Gold?
There is a simple way to buy physical bullion and avoid the taxes and penalties associated with liquidating an IRA prior to age 59-½. You can set up a Self-Directed IRA with a firm that specializes in them and buy and hold your bullion obtained from Money Metals Exchange.

Simply transfer funds from your existing IRA into a self-directed IRA account, choose a depository who can provide storage, then buy the physical metals you want. It is all done within IRA guidelines and completely without consequences in terms of taxes or penalties.

Unfortunately, a lot of investors aren’t aware of this option despite the fact that people have been using it to hold assets such as real estate, privately held company shares, and bullion for decades. The IRAs marketed so effectively by banks and brokerages never include the self-directed option. Instead most IRAs are limited to the usual lineup of stocks, bonds, and mutual funds — all of which are financial instruments, of course. The reason is that self-directed accounts will not generate the handsome fees and commissions that Wall Street loves.

Bring up the idea of opening a self-directed account and using it to buy physical gold or silver and your broker will probably shudder and try to talk you out of it.

Now does appear to be an opportune time to switch some of your investments in stocks into bullion. Stock prices are near all time highs. Precious metals, on the other hand, are enjoying a great start in 2016, but have a very long way to go before recovering to the 2011 highs.

And, yes, the financial system looks like trouble. Banks are even larger than they were in 2008 and, by many measures, are even more leveraged than prior to the last financial crisis. Investors are starting to pay attention to that fact.

The share price of Deutsche Bank, one of Europe’s largest, is very near its crisis lows as the market is factoring an increasing risk of failure. The potential ramifications of default at Deutsche Bank (DB) would be hard to overstate. DB is a much larger institution than Lehman Brothers, whose collapse set off the chain of events that led to the 2008 catastrophe.

The Basics of Cryptocurrency

In the times that we’re living in, technology has made unbelievable advancement as compared to any time in the past. This evolution has redefined the life of man on almost every aspect. In fact, this evolution is an ongoing process and thus, human life on earth is improving constantly day in and day out. One of the latest inclusions in this aspect is cryptocurrencies.

Cryptocurrency is nothing but digital currency, which has been designed to impose security and anonymity in online monetary transactions. It uses cryptographic encryption to both generate currency and verify transactions. The new coins are created by a process called mining, whereas the transactions are recorded in a public ledger, which is called the Transaction Block Chain.

Little backtrack

Evolution of cryptocurrency is mainly attributed to the virtual world of the web and involves the procedure of transforming legible information into a code, which is almost uncrackable. Thus, it becomes easier to track purchases and transfers involving the currency. Cryptography, since its introduction in the WWII to secure communication, has evolved in this digital age, blending with mathematical theories and computer science. Thus, it is now used to secure not only communication and information but also money transfers across the virtual web.

How to use cryptocurrency

It is very easy for the ordinary people to make use of this digital currency. Just follow the steps given below:

You need a digital wallet (obviously, to store the currency)
Make use of the wallet to create unique public addresses (this enables you to receive the currency)
Use the public addresses to transfer funds in or out of the wallet
Cryptocurrency wallets

A cryptocurrency wallet is nothing else than a software program, which is capable to store both private and public keys. In addition to that, it can also interact with different blockchains, so that the users can send and receive digital currency and also keep a track on their balance. Cryptocurrency is also a valuable asset for the Crypto Captial Venture firms who invest in the future blockchain ventures.

The way the digital wallets work

In contrast to the conventional wallets that we carry in our pockets, digital wallets do not store currency. In fact, the concept of blockchain has been so smartly blended with cryptocurrency that the currencies never get stored at a particular location. Nor do they exist anywhere in hard cash or physical form. Only the records of your transactions are stored in the blockchain and nothing else.

A real-life example

Suppose, a friend sends you some digital currency, say in form of bitcoin. What this friend does is he transfers the ownership of the coins to the address of your wallet. Now, when you want to use that money, you’ve unlock the fund.

In order to unlock the fund, you need to match the private key in your wallet with the public address that the coins are assigned to. Only when both these private and public addresses match, your account will be credited and the balance in your wallet will swell. Simultaneously, the balance of the sender of the digital currency will decrease. In transactions related to digital currency, the actual exchange of physical coins never take place at any instance.

Understanding the cryptocurrency address

By nature, it is a public address with a unique string of characters. This enables a user or owner of a digital wallet to receive cryptocurrency from others. Each public address, that is generated, has a matching private address. This automatic match proves or establishes the ownership of a public address. As a more practical analogy, you may consider a public cryptocurrency address as your eMail address to which others can send emails. The emails are the currency that people send you.

How to put on makeup to go to work

A good question if you like to wear makeup and want to look fresh during your workdaythen here are some tips suggested by the best dermatologist in Singapore.

Follow these tips:

Moisturize your skin and choose a light makeup base (better fluid), it does not have to have a high coverage but it does have to be the most consistent with our color on the face. If you work on the street, don’t forget sun protection.
You can use loose or compact powders to set and mattify the foundation or simply carry them in your bag to give some touch-up during the day.
It is time for the eyes. Bet on shadows in soft tones and try to avoid very bright ones. You do not have to outline the eye in brown, black, blue, or green are also a good option as long as you do not intensify the look too much.Blend the eyeliner (not if it is winged eyeliner) and blend it with the shadow you have applied to the eyelid.
Define your lashes. You can add volume, lengthen, and even both at the same time, but most importantly, comb your lashes to separate them and avoid unsightly clumps.
We must not forget to keep the eyebrows neat in this way, you will only have to comb them and give them a touch of shadow to fill in if necessary.
For the blush I always bet on fresh tones, a bit imitating the natural blush of each person. Deposit a small amount of product so that it is easier to blur it and not end up like Heidi (hehehe), less is more.
Lastly, the lips A creamy lipstick in a natural tone or a gloss would be a perfect ally for the day today. Exfoliate your lips once or twice a week and moisturize and protect them often they will thank you.
On the street do not forget sun protection

A touch of your favorite perfume and ready to start the day!

How to be a makeup artist

Well, I’m going to tell you, I know two ways and they are: studying in academies or being self-taught.

For me, it is a combination of the two.

I started as a self-taught person as anyone who likes an artistic profession, then the courses would arrive to specialize in different branches such as makeup for film, TV, and theater, characterization, artistic makeup, etc. Here’s the example of top notch makeup products, Viviane Woodard.

Today I can affirm that it is not necessary to spend a year in an academy to learn this profession, which does not mean that training does not seem necessary to me. On the contrary, after several years in the client’s presence, I believe that my courses in academies have helped me a lot and I continue to train continuously (or every time I collect some money). What I mean is that you can be a professional makeup artist combining training and vocation I think that separately it does not work.

If you go to all the academies in Spain and abroad, but then don’t dedicate yourself to reinforcing what you have learned, discovering your techniques, defining your parameters and ways of working … it will be a little more difficult, not impossible. If you like makeup a lot and you have the latest products on the market but then you have no idea about aspects such as lighting, skin, safety and hygiene, application techniques … you can find yourself in trouble affecting your professionalism.

In this makeup, there is a lot of competition, and a lot of intrusiveness too, but I will not be the one to say who is a professional or not, that will be said by the work of each one, day to day

To finish, I can only tell you that if you are thinking of dedicating yourself to makeup:

Do not be afraid to pay at an academy but find out very well if their teaching methods are what you are looking for
Go direct @ to what interests you the most for intensive courses are the best.
You will have to work in many positions that, possibly, will have nothing to do with makeup but will make you raise money to continue with, your dream.
It is an expensive profession: products, tools, training….
For nothing in the world give up, practice, practice, and then practice.
Enjoy when you are doing makeup, if you start to see it as any job … something is wrong.
All professionals must charge for the work performed.
“Enjoy when you are doing makeup”

And so far my post about the profession, sure I have left a lot of things to tell, the good thing? I can tell them in other posts. I hope you liked it, if you have any questions or opinions, do not hesitate to leave me your comments.

Truth, Beauty, Goodness

Can one know what true beauty and goodness are? Is there an objectivity to these attributes, or are they merely what one perceives them to be? Let us focus on what God has created women to be and what society tells them to be. Does the truth lie in women being successful career women to the exclusion of their own feminine nature; in being dependent on the admiration of others for their self-worth; or in their being mere physical objects of pleasure? Or are they called to find the truth of their dignity in the model of Mary, Virgin Mother of God, who reflects and participates in the Divine Truth, Beauty, and Goodness of which all creation is called to reflect and share in?

The question of truth, beauty, and goodness is one that has intrigued men for centuries. The pagan philosophers seek to identify that which is True, Good, and Beautiful. For the Christian, however, there can be no other answer than that which affirms that the Triune God is the True, the Beautiful, and the Good. By His very essence God is all three. Everything else is so only by participation. We can know this because God has chosen to reveal Himself to us. The Catechism of the Catholic Church #2500 tells us that “even before revealing Himself to man in words of truth, God reveals Himself to (man) through the universal language of creation.” All creation reflects its Creator; therefore, we can see something of Beauty itself in creation. Truth, beauty, and goodness, which are called “the transcendentals,” cannot be separated from one another because they are a unity as the Trinity is One. Truth is beautiful in itself. And goodness describes all that God has made. “God saw all that He had made, and it was very good” (Gen.1:31).

Man is the summit of the Creator’s work, as Scripture expresses by clearly distinguishing the creation of man from that of other creatures. “God created man in His own image…” (Gen. 1:27). Thus, man was not only created good and beautiful, but he was also established in friendship with his Creator and in harmony with himself and with the creation around him, in a state that would be surpassed only by the glory of the new creation in Christ. The inner harmony of the first man, the harmony between the first man and woman (Adam and Eve), and the harmony between the first couple and all creation, is called “original justice.” This entire harmony of original justice was lost by the sin of our first parents. Created in a state of holiness, man was destined to be fully “divinized” by God in glory. But he preferred himself to God and disobeyed God’s command.

Thus, Adam and Eve immediately lost the grace of original holiness, and the harmony in which they had lived was destroyed. They were separated from Beauty Itself. God, however did not abandon mankind, all of whom share in the sin of Adam, since “by one man’s disobedience all were made sinners” (Rom. 5:12). In the fullness of time God sent His Son to restore that which had been lost. The Son, who is “beautiful above the sons of men,” came to restore us to beauty.

Thus, we turn now to beauty. Von Balthasar once remarked that when one is seeking to draw others to God, he should begin with beauty because beauty attracts. Beauty will then lead to truth and goodness. Hence, if one is going to begin with beauty then one must know what beauty is. I will make a distinction between two types of beauty, although only one of them is beauty in the truest sense of the definition. There is “seductive” beauty, which is often reflected in our current culture. This would entail whatever allures us to our self-destruction (morally or spiritually). It takes us away from what we were created for, union with Beauty Himself. This type of beauty I will return to, but first I want to establish a definition and proper understanding of what “true” beauty is. This is first and foremost whatever attracts us to our true fulfillment and happiness. In his book The Beauty of Holiness and the Holiness of Beauty, John Saward, drawing on the work of St.Thomas Aquinas, defines beauty as: “the gleaming of the substantial or actual form that is found in the proportioned parts of a material things.” In other words, while one can find beauty in the outward appearance, one must go deeper to the nature or the essence of the thing.

“Thus, in a material substance (such as man) there is beauty when the essence of a thing shines clearly through its outward appearance.” The beauty of one’s soul can be said to shine through a person’s countenance. For this to occur, three things are necessary -wholeness (integrity), due proportion (harmony), and radiance (clarity). It is important to note that understood in this definition is the fact that beauty is a reality in itself, it is not something that we produce by looking at a work of art or some other thing that attracts us. Rather, beauty radiates out of what we see. It radiates out because it is participating in Beauty itself. In regards to Jesus, “Christian Tradition – from Augustine and Hilary to Peter Lombard, Albert, Thomas, and Bonaventure – holds that beauty can be appropriated in a special way to the Second Person…”

St. Thomas says that all three marks of beauty are found in Jesus. Radiance is found in Him because He is the Word of the Father, and the Word eternally uttered by the Father completely and perfectly expresses Him. He is the brightness of the Father’s mind. Due proportion is found in the Son of God because He is the perfect image of the Father. As the perfect image, He is divine beauty. Jesus has wholeness because He has in Himself the whole nature of the Father. In begetting the Son, the Father communicates the whole of His divine essence. Thus, we have a Divine Person, God the Son, who without ceasing to be true God, has been made true man for us in the Virgin’s womb. When one sees the Virgin and the Child, one sees a witness to the Trinity. Pope John Paul II explains that this picture of Mother and Child “constitutes a silent but firm statement of Mary’s virginal motherhood, and for that very reason, of the Son’s divinity.”

It is as such a witness to the Trinity that allows Mary a special place in relationship to the True, the Good, and the Beautiful. The Blessed Virgin, said the fifteenth century poet John Lydgate, is the “Fairest Mother that ever was alive.” Many poets and artists have sought to express their praise and admiration for Her who is so closely united to Divinity. When Dante reaches Paradise, he finds the beauty of the Son of God most perfectly mirrored in Mary, of whom He was born. Thus, we will see how Mary is to be for all, but especially women, a model of true beauty, and thus, goodness and truth, as she reflects a sharing in the life of the Trinity. “All the beauty for soul and body that the Son of God brought into the world, all the loveliness He wanted to lavish on mankind, is summed up in, and mediated by the person of His ever virgin Mother, ‘a woman clothed with the sun, the moon under her feet, and on her head a crown of twelve stars’ (Rev. 12:1). If there is beauty, it is here.”

To understand Mary’s beauty, one must know of the gifts bestowed on her, and her response to these gifts, which put her in intimate contact with Beauty, Itself. Scripture, God’s revealed Word, tells us that “an angel Gabriel was sent from God to a city of Galilee named Nazareth, to a virgin betrothed to a man named Joseph…and the virgin’s name was Mary. And he (the angel) came to her and said, ‘Hail, full of grace, the Lord is with you! … Do not be afraid Mary, for you have found favor with God. And behold, you will conceive in your womb and bear a son, and you shall call Him Jesus. He will be great and called the Son of the Most High…And Mary said, ‘ How can this be since I have no husband?’ And the angel said to her, ‘The Holy Spirit will come upon you, and the power of the Most High will overshadow you; therefore the child to be born will be called holy, the Son of God.’ …And Mary said, ‘Behold, I am the handmaid of the Lord; let it be done to me according to your word.’” (Lk. 1:26-38).

To become the mother of the Savior, Mary was given the gifts necessary and befitting such a role. Mary was greeted as “full of grace,” as if that were her real name. A name expresses a person’s identity. “Full of grace” is Mary’s essence, her identity, and the meaning of her life. Mary is full of grace because the Lord is with her. The grace with which she is filled is the presence of Him who is the source of all grace, and she is given over to Him who has come to dwell in her and whom she is about to give to the world. She is by a singular grace free from any stain of sin by reason of the merits of her Son. She possesses the harmony that Adam lost. Thus, she has the first two qualities of beauty: due proportion (harmony) and integrity (wholeness) because by the merits of her Son and the fullness of grace which she has been given, her nature is complete – unwounded and unstained by sin.

The Catechism of the Catholic Church proclaims that “Mary, the all-holy ever-virgin Mother of God, is the masterwork of the mission of the Son and the Spirit in the fullness of time…In her, the ‘wonders of God’ that the Spirit was to fulfill in Christ and in the Church began to be manifested.” Through Mary, the Holy Spirit begins to bring men, “the objects of God’s merciful love, into communion with Christ.”

Grace has been described as “God’s better beauty, the splendor of the soul.” And Mary, who is full of grace, radiates that splendor, that spiritual beauty. Grace (sanctifying grace) gives us a share in the Divine Life; it conforms our souls into the likeness of Christ. Mary in her abundance of grace is a reflected beauty of her Son. She possesses the “radiance” which is the third of the qualities of beauty. The great St. Bernard of Clairvaux declares that “contemplating the countenance of the Mother is the best way of preparing to see the glorious face of the Son.” Saward endorses this idea by pointing to the fact that Our Lord is conceived by the Holy Spirit without seed, thus there is only one human person whom He resembles in His humanity, and that is His Virgin Mother.

How does Mary’s beauty enable women of today to be an image of true beauty, and hence of truth and goodness also? Mary, the Theotokos – the Mother of God, the Mother of Infinite Beauty, who is herself beautiful, will guide women to that which is true and good. She shows the falsehood of “seductive beauty,” which we have noted above as being whatever allures us to our self-destruction (morally or spiritually), by holding up her own “true” beauty in contrast. Before showing the essence of Mary’s beauty, which meets St. Thomas’ requirements for beauty: wholeness, due proportion, and radiance, we will look at society’s claim of womanly beauty. Women today are told by society that what is good and beautiful is that which is glamorous and seductive. Beauty is separated from God, Who is disregarded and Whose goodness is exchanged for a “base mind and improper conduct” (Rom. 1:28), leading to both spiritual and often physical dissolution. The “truth” that they are taught is one which “considers the human being (and hence, the woman) not as a person but as a thing, as an object of trade, at the service of selfish interest and mere pleasure… this falsehood produces such bitter fruits as contempt for men and for women, slavery, oppression of the weak, pornography, prostitution…”

Thus, beauty is often seen as a mere physical quality. It lacks “due proportion” because only one aspect of the whole person is considered. Society emphasizes the physical to the exclusion of the spiritual. Flowing from this same type of mentality, we see that women are honored more for their work outside the home than for their work within the family. What is “seen” as attractive is a woman who is able to achieve the “good” of a successful career, which promises happiness and “equality with men.” In order to achieve this, women often times either renounce their femininity or become a mere imitation of the male role. They are in a sense trading in the quality of “integrity,” which is necessary for true beauty, for society’s limited claim of the beautiful. This “seductive beauty” which promises so much “good” gives rise to a hedonism that distorts and falsifies human sexuality and the true dignity of the human person. This leads not only to a lack of respect for what womanhood is to be, since the truth about their personal dignity as one who was created and redeemed by God is unknown, but it also hinders women from achieving the “fullness of grace” for which they were created. It leads to women’s spiritual destruction because they are not living a life of grace. They are not living for God.

Mary, who lived a grace-filled life, is, however, the model of redeemed woman. God Himself “manifests the dignity of women in the highest form possible by assuming human flesh from the Virgin Mary, whom the Church honors as the Mother of God.” The highest elevation of the human nature took place in the masculine gender, when Jesus, the Son of God, became man and male. The highest elevation of the human person took place in the feminine gender, in the Virgin Mary. Her divine maternity gives her an exalted dignity. She is “blessed among women.” Therefore, all womanhood shares in her blessing and is made radiant by her. “When the Virgin Mary is humbly honored for the sake of her Son, women will be honored…for she has revealed the true beauty of womanhood.”

Looking at what we have already said about Mary, we know “full of grace” reveals her essence, her identity. It is also the key to her reflection of the True, the Good, and the Beautiful. It is the key to women discovering the truth of their own dignity, and hence, obtaining the divine life that is offered to them through a life of grace. This is a life that will bestow on them true goodness and beauty, which is a participation in the beauty of the Creator.

Because Mary is “full of grace,” she possesses the wholeness that was lost by Adam. Because of grace, she is “radiant as the sun,” showing in her very being the clarity of a life united with God. Such a union shines forth in a person’s actions; actions which are a reflection of God’s goodness. “The practice of goodness is accompanied by spontaneous spiritual joy and moral beauty” (CCC 2500). These actions, called virtues, “are acquired by education, by deliberate acts and by a perseverance ever-renewed in repeated efforts are purified and elevated by divine grace” (CCC1810). Grace affects every dimension of a person’s life. It is a gift of God that leads us closer to God. The closer we are to God, the more we reflect Him who is Truth, Beauty, and Goodness.

Mary is held up for us as the model of the life of virtue. She is a guide in living a life of faithfulness to grace. Due to space limitation, I will only briefly look at three of the virtues that Mary possesses and calls us to imitate. They are faith, obedience, and charity. The Church hails Mary as an “excellent exemplar in faith and charity” (Lumen Gentium 53). We see her faith when she entrusts herself freely to God at the Annunciation, believing and trusting the angel’s message to her that the son to be born to her would be the Son of the Most High, certain that “with God nothing is impossible” (Lk. 1:30). Her journey of faith continues in her responses to that which occurs in her life of union with Jesus. She flees to Egypt when Joseph is directed to go there (Mt. 2:13-15); she returns in the same manner (Mt. 2:19-23); and she faithfully perseveres in her union with her Son unto the cross (cf. LG#58, Jn.19:25-27), all the while believing and trusting in the wisdom of God’s divine plan. She believed that her Son, though crucified and buried, would rise from the dead. She waited in prayer (Acts 1:14). We, too, are called to be women of faith, believing what God has revealed concerning His plan for us and our salvation.

Flowing from Mary’s deep faith, she shows her loving obedience. Hers was not a servile obedience. Rather it was an obedience that flowed from humility. She knew the wisdom and greatness of God and therefore, sought to live in conformity with it. Being obedient to God meant responding in trust to His all-wise plan. Again, at the Annunciation, she replies in obedience to the angel, “Let it be done to me as you say” (Lk. 1:36). She obediently follows the directions that the angel gives to Joseph, trusting in God. Mary remained obedient to her role as mother even to the cross, where she obediently offers the full assent of her intellect and will to Him whose ways are inscrutable. As we seek to imitate Mary’s obedience, we will find that it frees us from the slavery of sin. Obedience makes us beautiful because it opens us up to God’s grace, to His life and love within us.

Mary’s faith and obedience allows her great charity to shine through. Mary, the Mother of Fairest Love, possesses a self-humbling love, innocent of all narcissism. “It is for Christ and to the glory of the Father, by the grace of the Holy Spirit, that our Lady is ‘all fair.’” She devotes herself “totally as a handmaid of the Lord to the person and work of her Son… she does this freely” (LG # 56). This acceptance of her role as “Mother of the Son of God (is) guided by spousal love, the love which totally consecrates a human being to God. By virtue of this love, Mary wished to always be and in all things given to God.” This love that remains faithful to her Son throughout His life, even to His cruel death on Calvary, extends itself to the brethren of her Son, those souls still journeying on earth (cf. LG #62-63). There is nothing more beautiful than charity, which we are all called to practice, and which inspires and animates all the other virtues (cf. CCC 1827). Charity, the form of all virtues “binds everything together in perfect harmony” (Col. 3:14), one of the aspects of beauty.

These virtues and the life of grace are possible for all women, who seek to know the truth and avail themselves of the grace that comes from the merits of Jesus Christ, who came to restore mankind to the beauty of adopted children and “partakers in the divine nature” (1 Pt. 1:3). St. Francis de Sales notes that because of grace we are so like Christ that we resemble God perfectly, because in His becoming man, Jesus has taken our likeness and given us His. Thus, we must do what we can to preserve this beauty and divine resemblance that He has restored to us.

Mary helps women to do this. Her beauty attracts, and because it attracts she leads us to Jesus, who is the Way, the Truth, and the Life (Jn.14:6). Mary is loved and honored because she reflects the truth, beauty, and goodness of her Son by her actions, by her life of virtue. Her role is to lead others to Him and to the truth he teaches and is. This is seen by looking once again at how creation reflects the beauty of God. All that God creates is good; it is beautiful. Jesus, who is the fullness of revelation, has raised creation to an even higher dignity by restoring all things “according to the plan God was pleased to restore in Christ. A plan to be carried out in Christ, in the fullness of time, to bring all things into one in Him, in the heavens and on earth” (Eph. 1:9-10). Thus, harmony is restored, all is made whole, and His glory is made known. Because the “Word became flesh and dwelt among us, full of grace and truth; we have beheld his glory, glory as of the only Son of the Father” (Jn. 1:14)

Man was created in the image and likeness of God; Jesus renewed humanity in His immortal image. He restored us to the likeness of God. Mary reflects the beauty of her Son in her very essence. Mary is the one who will, in cooperation with her Divine Son, help women to discover the truth of their feminine nature, to reflect the beauty of a child of God, and by God’s grace to live that goodness that comes from God alone. Women, to attain this ideal, must turn to Mary as a model, who has been chosen by God from all eternity to be the Mother of His Son, and to be a guide for us on our journey to the True, the Good, and the Beautiful, our true fulfillment and happiness. Women should entrust themselves to Mary’s guidance because she already is that which they are called to be: full of grace. As the Church prays in the Divine Liturgy: Lord, as we honor the glorious memory of the Virgin Mary, we ask that by the help of Her prayers, we too may come to share the fullness of Your grace,” so that by that grace we too may reflect that which is True, Beautiful, and Good.

The Worth of an IAS Coaching Institute Beyond Providing Great Study Material

The most stringent examination in India that poses an incredible challenge to the majority of candidates is the Civil Service Exam. Every year, lakhs of students register for it while only one percent emerge victoriously. The low probability of passing the test proves that preparing the syllabus of IAS requires:

While an IAS aspirant may have the intellect and the mental capacity to crack the exam, the above three qualities, at times, need an external source. This feature talks about the importance and the necessity for a coaching academy for civil service candidates. It explains the value that such institutes impart to the students. But before delving into the fundamentality of IAS coaching, let’s take a look at why any coaching is vital.
How a Coaching Supports a Student?

The education, the clarity, the knowledge a school or college can provide is limited by the hours a student spends in it. It means that for an individual who dreams of a high-rising career, supplementary learning is required. This additional teaching and skill can be provided by coaching that is taken after school or college hours. Secondary aid in learning a subject is one beneficial aspect of coaching; the other is training a candidate for a competitive exam.

It is the second advantage of coaching, giving the skills to clear a test, that has detonated the importance of civil services institutes. The UPSC conducted exam asks for a thorough understanding of many domains along with an analytical bend of mind. An institute is a perfect place to acquire both these skills.

The Immense Help Civil Service Institutes Tender

A reputation for transforming potential candidates to IAS officers has been achieved by many a coaching academy in India. With such a high success rate, there have to be bulletproof reasons. Discussed below are a few pillars of support that IAS training institutes give to potential candidates.

Comprehensive Syllabus:
A lot of students opt to sit for the CSE right after college. Since the examination is open for all graduation majors, the chances are that the knowledge gained during college is not in the same domain as the syllabus of IAS exam. Furthermore, the UPSC’s exam covers diverse topics, and an aspirant has a short time to learn it entirely. It is here that coaching becomes massively helpful.
The institute will ensure that a schedule is set within which the complete IAS syllabus is covered. Mentors will work double time to teach the entire course within the deadline. Additionally, a wholly read syllabus boosts an extra burst of confidence in the candidate which can make a significant difference in the result.

Teaching at the Level of the Aspirant:
If completing the syllabus was the only obstacle to triumphing the IAS exam, then many would have cracked it. But covering the entire curriculum is not the only goal. The objective is to learn it by means that suits your understanding capability. An excellent coaching institute will always have a subject specialist who knows every topic inside and out. They will be able to teach candidates at the pace the student is comfortable with and in a manner that the comprehension is at max.
Since a lot of items on the IAS course are complex issues, an experienced faculty can break it down for more natural learning, lectures by a domain expert can aid to a great extent in preparing for the competition. Basic knowledge can be learned by self-work, but in-depth information requires a teacher.

Access to Doubt Clearers:
A common issue that many first-time IAS aspirants face is doubts. These queries may arise on a particular subject or on how to correctly answer a question. The civil services test is a lengthy process with three different phases. It is evident that doubts will occur at some point. Coaching can help you clear those questions as and when they arise.
For a candidate, who prepares alone, solving doubts means taking the time to research the issue. This eats away at the prep time which can be better utilised. Institutes save precious time for the student and give direct access to people who can answer any question.

The Guiding Hand of a Mentor:
There is no objective method to describing the help good mentorship can provide an IAS aspirant. Preparing for the civil services is a prolonged procedure that drains energy and at times the motivation. A good mentor that every prominent coaching academy will have can offer words of wisdom at these low points. When a student wants to call it quits, the gentle support of a faculty can drain away the worries and bring the drive to succeed back.
Only an institute, which has had years of experience, boosting students can provide this support and guidance. They can motivate you while having an empathetic ear to listen to all grievances.

Chinmaya IAS is the one ias coaching centre in Chennai that proffers each of the values listed above. From teaching the entire curriculum of the UPSC conducted exam within a set date to helping candidates practice through an online mock test, we do it all. Out teachers, faculty and mentors are always at hand to support the learning of the students. We use strategies that make learning the complex syllabus easier.

We urge individuals to ask their doubts. Chinmaya is one of the few IAS academies that stand out in this front. Don’t take our word for it. Browse through our website, which gives a clear picture of our USPs. Or drop by our centre in Anna Nagar West and get a first-hand experience of our teaching methods.

The New Courses For The Future

Change is the law of life. And those who look only to the past or present are certain to miss the future. – John F. Kennedy

You cannot escape the responsibility of tomorrow by evading it today. – Abraham Lincoln

There are many theories such as Charles Darwin’s “Survival of the Fittest” which can be applied to every circumstance in our recent life. There is intense competition in every aspect of human life. Every Company should and must follow the best practices in the world so that they can maintain, retain and improve their levels of success.

Misconceptions about Information Infrastructure Information Library:

Many people are of the wrong view that any IT course for the betterment of services can be applied to only large Companies where there are clearly defined job roles. But the truth is, that each Company can take the required of best principles and practices and implement only those in their Company. It must be taken into account that “Change” will not be accepted by everyone in the Company, so every worker should be taken into confidence, regardless of roles and responsibilities which will increase the value of the Company. It may take time, but once implemented, the results can be increased productivity, reduction in cost and quality service to customers. It must be understood, “stability is only temporary, only change is permanent.”

The other benefits of the certification are –

Enhancement in service delivery and satisfaction of customers

Better co-operation between IT as well the business

Decrease in costs via better utilization of resources and assets

Proper Management of company’s business risks and better way to handle failures, changes and service disruption.

ITIL Benefits:

The principles and language of ITIL are the same worldwide as it is recognized throughout the world. The principles and processes are derived from processes from many Companies, all over the world.

One of the major benefits of ITIL is to make the customers aware of the costs in providing services according to their choice. Time savings is also given importance in ITIL based on business requirements which can lead to better revenue.

If an organization has implemented ITIL in its processes, it can attain ISO/IEC certification which will increase its stature in the view of stakeholders. The templates and checklists that were used during the course of implementation of ITIL can be used for a long time.


ITIL was founded by a Government Agency, CCTA (Central Computing and Telecommunications Agency) in Great Britain. The main reason for introducing this method was that there were differences in the functioning of various Companies and each one adhered to its own set of standards. In short, this was derived for all organisations to adhere to a common set of standards. ITIL focuses primarily on the services which are required by the customer side than on technologies.

Sathyanarayana B has done Post Graduation and is interested in writing articles on history, martial arts, pet care, travel, herbal remedies, daily health tips, IT related trends and web-based services.

Chemical Peel Types and Courses

Chemical Peels – Choosing a Skin Peel System

Skin peeling dates back to Ancient Egypt. Egyptian royalty wants to bathe in bitter milk to decorate their complexion. Over the years, the utilization of chemical peels has been well established as a potent corrective and anti-aging weapon against sun broken skin, age-related skin changes like fine lines and wrinkles, freckles, skin blemishes, pigmentation disorders, uneven skin tone, expanded pores, greasy and acne-prone skin, and skin problem scarring.

How does the chemical peel work?

A cosmetic practician can apply a skinny layer of the acid resolution with a brush or cotton bud on the highest of the skin. Typically, be monitored throughout the treatment

The chemical peel can induce injury to the cuticle and the superficial corium leading to aged and pic broken skin being removed and replaced with a brand new collagen-rich layer.

Selecting a Skin Peel System

The choice of the suitable peel system depends on the precise indications, the depth of the specified peeling, the skin pic kind, and your patient’s expectations. Thus, quite one peeling system is needed in an exceeding clinic, as not all peel systems square measure appropriate for the numerous skin varieties and skin conditions you may see.

Chemical Peel coaching Courses and merchandise

The KT coaching chemical peel course teaches the trainees two glorious peal systems. The AHA and TCA skin peel systems square measures the main focus of this course. These skin peels will treat a good vary of skin varieties and improve several skin issues. The injury to the skin additionally controlled with these systems, so providing a safer treatment with fewer complications than more aggressive skin peels.

TCA Skin Peels

The Tricholoracetic acid referred to as TCA is employed as an Associate in Nursing intermediate to a deep peeling agent in concentrations starting from 20-70%.

AHA Skin Peels

The Alpha-hydroxy acids recognize as AHA is that the best superficial peel. These include:

• Hydroxyacetic acid (derived from sugar cane)

• Acid (citrus-derived)

• Carboxylic acid (found naturally within the body and soured milk)

• Malic acid (derived from apples)

• Hydroxy acid (derived from grapes), etc

In conclusion, the choice of the proper system for the indications and skin kind bestowed can give a secure and effective cosmetic resolution for the patient

Patients will expertise less period once victimization these systems compared with a number of the additional aggressive peels on the markets

Understanding Skin varieties

Understanding the various skin varieties is additionally essential to the choice of a patient’s peel; all cosmetic clinicians should shrewdness to assess and grade the skin victimization on the Fitzpatrick scale. The Fitzpatrick scale grades the skin varieties from one to six supported their reaction to daylight. Some systems don’t seem to be appropriate for the darker skin varieties that square measure classified on the Fitzpatrick scale as five and half dozen.

Learn about the categories of chemical peel and the way to pick out the simple system for patients.

Two Most Common MacBook Problems

Two of the most common repairs seen in Apple Stores or Apple Repair Shops are Macbook Pro screen repairs and hard drive failures. Laptop screens are prone to damage in a variety of ways from improper handling, dropping your MacBook, or closing the lid on an obstructive object. The screen may be the most delicate part of the MacBook and can be damaged easily. A small tumble off the counter for your MacBook can be the end of your hard drive and your data. Fortunately, the cost of the Macbook Pro screen repairs are reasonable at an Authorized Apple Repair Center. They can often save your data without expensive data recovery services as well. Here’s what can learn about Mac Repairs – You Break it We Fix It!

Trying to fix a Macbook Pro screen yourself by “Getting a friend” to do it for in an effort to save money, is bad idea. Apple authorized dealers will always issue a guarantee with their work. A Macbook Pro screen repair requires replacement parts that perfect match. Smooth handling of the ribbon cable to make this a project better left to the Apple Authorized Repair Center or you could end up spending even more money on additional repairs.

This applies to damaged hard drives as well. Replacing a hard drive in the MacBook is more than just sliding a new hard drive into the slot. It should be installed by an Apple Store or Apple Authorized Repair Center if you want to avoid problems. Authorized Apple Repair Shops employ qualified technicians that have been trained properly to make changes to the Apple hardware and Macintosh operating system. Apple Repair Centers are qualified to perform any MacBook related installation, upgrades and restoration of data required.

Your Macbook Pro screen repair, replacement of hard disks or other internal components should always be processed by certified Apple technicians at an Apple store or Apple Authorized Repair Center. The repair work is always performed with the high standards set by Apple. The high quality Macintosh computer family culture is maintained throughout the Apple dealer network of Apple Stores and Authorized Apple Repair Shops.

If you need a MacBook Pro screen repair, hard disk fixed, memory upgrade or just an updated operating system, consider taking your MacBook to an Apple Authorized Repair Shop. Authorized MacBook repair / service centers are eligible to replace broken or damaged screens and replace faulty hard drives for all makes and models. Apple Authorized Repair Centers offer the best quality, Apple-certified, MacBook repairs that cost less than what you would pay at the Apple Store or an Apple Retailer. Usually, they carry replacement parts for the Apple MacBook in-stock, and provide faster turnaround times than you Apple Store as well.

Many Apple Authorized Repair Shops provide online status checks and can give you a loaner Apple computer so you can get your work done while your MacBook is being fixed. Best of all you can avoid the large crowds of people at the Apple Store playing with the latest gadgets. Get-in and get-out fast!