Business

How eBay Helps You Earn

In the current economic crisis, everyone is struggling to earn some extra money. One of those ways to easily earn money while staying at home is through online business. eBay is one of the largest and most successful online shopping stores in the world. Not only is it easy and convenient, but it’s also a great way to start your business. To start your store, you must first create an account and register. This is how you become a seller. After that, you can start uploading all the items you want to sell to your eBay store.

eBay gives you specialized tools that are tailored to you by giving you the option to work offline to create listings for all of your products. Various templates are available online in free and paid forms that help you create lists that look neat and elegant and also help save a lot of time. Templates help you add images, their descriptions, and help customize your page to attract the most potential buyers. Once you are done with all the basic requirements of your store, you can easily start uploading items one by one.

Another set of tools that eBay provides is related to managing your sales. Once everything is set up, this tool helps manage your sections and listings. Apart from that, it manages all the emails that are sent, helps to re-list articles. All your sales are also kept track of through this manager. Another way to accommodate yourself is to choose an email template for all your emails, this prevents you from wasting your time writing each email individually.

All these managers are available for free, but the free versions are the ones that have to be processed manually, the automated versions are available for a fee. The biggest advantage of using automated builds is that everything is done by itself and you don’t have to worry about a thing.

Another thing to be noted is that you have to pay a certain amount of money in different steps on eBay. They seem less individually, but they add up to quite a bit of money. You have to pay to post your listings on eBay and then again to put them up for sale and to put photos etc.

One thing about eBay is that you post your own prices on it. You set your own price after covering all your costs. You can also add different types of packages and you can also make it easy for buyers by giving them a shipping option when needed.

But the most used payment method on eBay is through PayPal. PayPal offers a lot of security for both the buyer and the seller as none of their bank statements would be exposed and would remain confidential. A verified bank account is required to open a PayPal account to make sure the person is genuine and not a fraud.

Branding is a must in online business and to enhance your branding you need to have a distinctive logo. This helps make your eBay store more effective. A good logo would not only attract more customers but also improve customer visits. No matter what you sell, the brand is important. The brand helps generate positive customer feedback which then attracts more customers.

Home Kitchen

Quartz, granite or marble kitchen countertop?

Kitchen countertops: quartz, marble or granite?

Like any other kitchen furniture, countertops come into contact with a variety of organic components. Therefore, when choosing a countertop for your kitchen, you must take this into account.

Functionality, style, budget, durability, appearance, and cost are other factors to consider when shopping for a kitchen countertop. Perhaps you need a beautiful countertop that delivers quality performance while remaining aesthetically pleasing in your kitchen?

granite kitchen countertops

For decades, granite has remained the most trusted material for installing kitchen countertops. Among the many types of kitchen countertops, granite remains the perfect choice for most homeowners. If you are considering the type of countertop to install in your new kitchen, take a minute and consider the following benefits of granite kitchen countertops.

Benefits of granite kitchen countertops:

1. beautiful and durable

Everyone appreciates a kitchen with an attractive appearance. Granite is durable and aesthetically unmatched. You will find it in an exquisite range of attractive natural colors. It is a timeless stone that will stay in place for decades without losing shape or value. The endless range of colors allows you to choose the best color that complements other kitchen countertops, flooring, cabinets, and wall materials. Granite countertops are very durable and are not susceptible to scratches or heat. It is also resistant to stains and other hot liquids.

2. Requires the least maintenance

As a homeowner, you’ll want your kitchen countertop to remain in top condition. However, a headache appears when you have a busy schedule. Granite countertops require the least maintenance, unlike other options. In fact, you can only put a sealant on it once a year, but it remains intact and attractive. Treated ones can even go ten years without sealant.

3. Profitable

Any budget-conscious homeowner would prefer a granite countertop. Reason? Granite countertops save you a lot of money. Instead of being refinished year after year, they remain intact, thus eliminating the need for costly repairs. If you want to save money on kitchen maintenance, then granite is the best option for you.

4. Increase the resale value of your house

If you’re renovating your kitchen for sale, consider installing granite countertops. It’s a great way to add value to your home, therefore attracting the attention of potential buyers for a quick sale. It surely modifies the kitchen decoration of your home. It is highly polished and does not fade over time.

5. It is purely natural with no artificial fillers.

Being natural means that it cannot degrade over time or affect the health of the occupants. Therefore, they are a friendly option that you can buy. Also, if granite countertops do get damaged, they can be easily repaired. It will stay in place for a lifetime.

marble kitchen countertops

In addition to granite, there is another excellent option for you: marble countertops. Marble is a metamorphic rock that forms when limestone re-crystallizes. Marble contains various minerals that give it many colors. The many patterned textures and color options make it a very decorative stone. That’s why it’s a great choice if you want to transform the look of your kitchen countertops and floors. Marble kitchen countertops come with many benefits. Among them are;

1. Very attractive

If all you need is to give your kitchen a stunning look, a marble countertop will do the trick. Regardless of the age of your kitchen, marble countertops can transform the overall appeal of your kitchen and enhance its value. Marble looks light and natural. Its surface pattern variations make it versatile. In fact, it hides any signs of damage, so it will stay new for decades. It is also scratch and spill resistant.

2. Keeps your kitchen fresh

If you live in an area with extremely high temperatures, try marble kitchen countertops for your kitchen. They are also ideal for closely spaced kitchens that get hot when cooking. They are very comfortable and safe to work with, especially when touching hot things.

3.Easy to maintain

Maintenance is essential when buying a kitchen countertop. Marble countertops are easier to maintain. All you need to do is clean it with water and detergent, and it will be clean. Also, if they get scratched over time, you can still repair them yourself or call a professional service.

quartz kitchen countertops

Quartz is another popular choice when it comes to installing kitchen countertops. Quartz is made by combining natural quartz with resin in a ratio of 93% to 7%. Quartz is desirable both in quality, color and decoration. They combine to form a completely sealed and polished surface. For centuries, quartz has been preferred due to its unique charm and beauty. Quartz kitchen countertops are professionally sealed, so they remain exquisitely shiny and natural looking. Quartz countertops have many benefits including;

1. They are smudge proof

Since quartz is non-porous, it is highly impermeable. Therefore, they do not require any type of sealing or polishing, unlike other stones for kitchen countertops. In fact, stains can remain on it for a long time without affecting its quality. Additionally, quartz countertops require minimal maintenance. Wiping with a cloth is enough to keep them clean. They also do not tolerate the growth of mold, fungus and bacteria; therefore, they are also healthy for your kitchen.

2. Highly resistant to heat, scratches and cracks

Quartz countertops are exceptionally durable for your kitchen. They are resistant to heat, scratches and cracks. However, in the case of scratches, you can cover them just by sanding them. Its hardness and toughness make it resistant to impacts and blows; therefore, it will not crack easily. Quartz countertops are also unaffected by most household acids and stains.

3. Available in a wide range of colors

Since quartz is man-made, it can be made in different shades. Therefore, you can find the best custom shade to match your kitchen décor and style. They look elegant and timeless.

The type of stone you choose for your kitchen countertop, the quality of the installation and the maintenance you provide are the main factors to consider. Therefore, it is essential that you work with a professional when selecting and installing a kitchen countertop for your home. The above are the main main options that you can choose for your kitchen remodel.

Auto

The Ferrari 360 Challenge Stradale sports car

The Ferrari 360 Challenge Stradale: A close look at the performance, technical data, features, rival comparison, history and used prices of this classic sports car.

From classic to modern

CAR

The Challenge Stradale sports car was introduced by Ferrari in 1999, alongside the launch of the 360 ​​Modena and Spider.

The Stradale was the highest performing road variant of the 360 ​​Series.

It was the successor to the 355 Challenge sports car whose development peaked in 1998 with the Evolution variant, which was a nearly complete factory-assembled racing car.

The 360 ​​Challenge was based on the 360 ​​Modena and was a limited edition racing car that was designed by Ferrari to spend 20% of its time as a track racer and the remaining 80% as a road sports car. .

The Challenge Stradale was up to 110kg lighter than the base 360 ​​Modena as a result of a number of weight-saving measures, including:

  • removing the radio
  • Replacing the window glass with plexiglass
  • Use of Alcantara fabric instead of the leather interior.
  • Reduced weight of bumpers and skirts through the use of special moldings
  • Remove the soundproofing material from the interior
  • Use of carbon fiber mirrors.
  • Addition of the optional carbon fiber seats of the Modena

These changes produced a weight saving of 94 kg.

Fitted with 19-inch road wheels, a further 16kg was saved by using Brembo brakes, made from a carbon composite material, which prevented brake fade and improved handling due to reduced weight.

The engine, body panels, and chassis were constructed from aluminum.

When using the standard F1-style six-speed gearshift system, the driver can flip a switch and select Sport or Race mode.

In the case of the latter, when the traction control was turned off, there was a feature that allowed the driver to make a high-performance start, provided the prevailing driving conditions allowed the car to develop enough grip.

The Stradale’s chassis had been designed so that the center of gravity was 15mm lower than the standard car.

All non-essential interior accessories such as carpets and floor mats were removed, and the door panels were constructed from carbon fiber.

It used lightweight aluminum anti-roll bars behind the seats that were designed specifically for the car and was equipped with stiffer springs and computer-controlled adjustable damping.

With a modified carbon fiber lower pan, downforce increased even more the further the car was driven.

THE MOTOR

The 360 ​​Challenge was powered by the same mid-engined 3.6-liter V8 unit, with five valves per cylinder, as the other 360 variants, and developed 425 bhp at 8500 rpm and 275 ft/lbs of torque at 4750 rpm. .

This produced a top speed of 186 mph and a 0-62 mph time of 4.0 seconds.

Output was increased by using high compression combustion chambers with polished ports and increasing compression slightly to 11.2:1.

The overall weight of the engine and gearbox has been reduced by 11kg through the use of a shorter and lighter stainless steel sport rear exhaust box and modified tailpipes.

COMPETITION

Typical competition for the 360 ​​Challenge Stradale included the following: Lamborghini Murcielago and Dodge Viper SRT-10. Ferrari Performance:

SPORTS CARS FOR SALE

Originally priced at $195,000, on the used market a Ferrari 360 Challenge Stradale that was in good condition would sell for around $160,000, while an example in show condition would go for around $320,000.

Another one of these classic Ferrari cars.

This marks the end of my Ferrari 360 Challenge Stradale sports car review.

Digital Marketing

Inside the Oscars – The aura of nominee Leonardo Dicaprio

All of the Academy Award nominees for Best Actor have delivered outstanding performances…on the surface. They delivered their lines believably, they developed an interesting character, they got the voice, the walk, the look. Perhaps most remarkable is that these magnificent actors received direction with enough detachment to enhance the portrayal of a character, rather than destroy it.

It’s no wonder Oscar nominees are so admired. However, only a small minority of them have made it to the end, changing their CHAKRAS. This requires the greatest talent and a rare kind of courage.

What is it like to change so profoundly, playing apart? Nothing inside you feels the same. Imagine a piece of beige fabric that you are dyeing green. Most people would be satisfied with a fabric that looks green. But you won’t be satisfied with a simple dunk in the tub. You find a way to make the ultimate transformation. Consequently, the fabric changes so completely that if you were to hold the world’s most powerful microscope over that fabric, the tiniest fibers would glow bright green.

Well, okay, here’s something easier to imagine: What happens when an aura reader like me becomes a film critic? I can read the deepest possible changes within an actor. And that is precisely what I will do in this article, with a profound criticism of Leonardo DiCaprio’s interpretation in “Blood Diamond”. (If you would like to receive links to the photos I used in this article, please email me at my website.)

Since I can read auras from regular photographs (and could teach you to do the same, by the way), it’s easy to compare an actor’s aura being himself to his still image from the movie, where he is in character. Did I see this movie? No. All I know about this role is that he plays a South African mercenary. But reading the photos, I asked this question: Who could completely transform? This is what I found about Leonardo in this movie:

Root Chakra: How Your Personality Projects When You Walk Into a Room

As himself: powerful charisma, with a very strong physical presence and a good dose of ego.
In the movie: Tough as nails, indomitable, ready to kill. A complete change of aura.

Sexual chakra: what would he be like as a lover?

As himself: Strong drive, intensely attractive, emphasizing physical sensuality, takes his time.
In the movie: bad boy sexiness, very hard to come by, intensely desirable…especially if you like men on the sadistic side. Immediately, DiCaprio achieves a complete change of aura.

Solar Plexus Chakra: Driving Power, what is your pattern at the time of this photo?
As himself: Huge confidence. He is not arrogant, there is an almost regal feeling that “No one messes with Leonardo”.

In the movie: Love power, live for it. The quest for power dominates his aura, projects more than other databanks. By the way, for this character “power” means getting away with it, with as much cruelty as possible just to enjoy. I am happy to say that for Leonardo this represents a complete change of aura.

Heart chakra: how do you handle emotions?

Like himself: intensely private, Leonardo has become a walking computer about emotions, having developed an enormous detachment about his inner experiences. Along with a huge repertoire of felt emotions, he has analyzed, memorized and compartmentalized how to project various emotions. (The closest you or I could get to meeting someone like this is if you meet a very experienced analytic therapist… Or a very self-aware long-term therapy patient.)
In the movie: Insensitive, interested only in himself and dead even to his own feelings. It’s another complete aura change.

Chakra Communication: Truth? Talent? What does it show here?

Like Himself: Cunning and cunning, Leonardo is like a card player with a full deck. He could choose any way to act. Veracity almost seems irrelevant, as if this is a consideration only for people with such limited awareness that they are only given one card to play. He has no problem with deceiving people or lying, just extraordinary flexibility. (And if he should be thinking, “Aren’t all actors like this?”, the simple answer is, “Absolutely not. This is the throat chakra of a master actor.”)

In the movie: I’d rather lie than spit, and I’d be happy to do both. The pent-up anger and bitterness contribute to his need to remain hidden as a person, keeping all his communications under control. Get a more complete aura change.

Chakra of spirituality: how do you connect with God?

As himself: Huge awareness here shows a highly advanced soul. This is the aura of someone who is much more awake inside than most people you will meet on the planet.
In the movie: Access to the spirit is limited. He advances on his own, without expecting or receiving much conscious help from anyone but himself. If he thinks of God at all, he would be a cruel God of hate. Clever! Here’s another complete aura change.

Soul Expression Chakra: Deep down, how does this person feel as a human being?

As himself: Resplendent, enjoying his life to the fullest, Leonardo is a highly self-realized person.
In the movie: Because he puts himself first in every situation, this man shows a strong connection in the higher heart chakra. Gloomy rather than happy, he still shows a determination to put me first that can be very inspiring to the audience. (Most people don’t do enough on the target, which brings joy, “me first”.) This also counts as a full aura change.

Summary: Leonardo DiCaprio is one of America’s most talented actors. In “Blood Diamond”, he has given his chakras a complete and believable makeover. Cleverly, he has combined characteristics of strength, self-confidence, exceptional focus and that outrageous sexiness.

It makes sense to talk about sex appeal during a performance. This correlates strongly with winning, whatever your category as an actor. Academy voters may think they’ve responded to a variety of emotions or other refined artistic values, but if they’re human, they respond most strongly to the amount and type of sex appeal projected in a movie.

Relationship

Parental Obsession and the Dangers of Belly Button Addiction

It is well documented that the close bond that develops between parents and children is a driving force of life, its legendary power to protect and protect has made history throughout the centuries. One reads of parents rescuing their children from burning cars or sinking boats, finding almost superhuman strength to lift many times their body weight, or surviving underwater for impossible lengths of time to save their child from drowning, and so on. Occasionally this life force becomes distorted and harmful to parents, children, and anyone unlucky enough to be close enough to be affected by the association.

Sometimes dubbed Umbilical Addiction, the most common form of this disorder is in women, the maternal instinct spilling over into an obsessive need to suffocate and control, eventually turning the child into an incapable and over-weaned shadow.

It is possible that this unpleasant condition appears in fathers; commonly the focus is on a daughter but it can appear between fathers and sons. Mothers who develop the obsession with their children tend to side with the son against the father, making it impossible for the father to maintain the usual disciplinary orientation.

The symptoms of the obsession begin early, when the child is a toddler, or even before the child is out of diapers. The mother may go to great lengths to ensure that the child is completely dependent, lavishing unnecessary attention and gifts on the child to ensure devotion and loyalty. Detection and control of this behavior are invariably impossible, as all symptoms are confused with ‘coddling’, an overly simplified and far-fetched expression sometimes applied to a disorder with much less serious implications. The parent is overprotective, alienating other supportive influences that might otherwise have been helpful in controlling the situation.

As the child develops, the features of this terrible condition become more apparent. Interference with the mother’s (or father’s) control results in anger, or even aggression, toward anyone who attempts to intervene in the child’s behavioral difficulties. As the child grows older, early spoiling tactics produce unacceptable acts of rebellion and disobedience, often drawing disapproval from the rest of the family.

The child staggers into adolescence showing alarming behavioral dysfunctions such as stealing, lying, rudeness, and the young adult will always continue to be very close to the same parent who causes the damage.

Elaborate lies can be invented to cover up petty crimes, both by parents and children, until finally, by the time the young adult leaves school and enters the workplace, the offender has become a dangerously obsessed narcissistic psychopath. with the ego Sometimes the situation has festered for such a long period that it is impossible for the child to function without parental approval and support.

In extreme cases, the child’s dependency combined with parental authoritarian control results in an incestuous relationship, as the child is unable to cope with normal interaction with the opposite sex.

Each time the “child” is confronted with authority, even the authority of the offending parent, the reaction becomes more intensely antisocial, until finally the individual develops a strong dislike and active antagonism for most social codes. Throughout most of this adult’s young life, excuses have been found for his theft, lying, idleness, and general delinquency. When evidence is presented to this person that such behavior cannot continue, the result can be dangerously aggressive and sometimes vindictive.

These people commonly show a desire to adopt pets, such as dogs and cats, but are invariably cruel to animals. Possession of such pets gives a person comfort and supplies a need that is the result of having few friends. However, unable to cope with the responsibility, they lash out at the animal when asked to feed it in any way that causes personal discomfort.

The early childhood of these people is the key to behavioral disorders that manifest later in life. The adult cannot bear any responsibility or control, and often their inability to deal with authority and routine leads them to become increasingly antisocial. They are often unable to interact normally with people and choose to work in jobs that do not require social skills. An ideal profession for such a person would be long-distance truck driving, headlight maintenance, or working in very noisy environments that preclude conversation—professions that require long periods of solitude and require little cooperation with colleagues.

Those who have reached adulthood have an ingrained inability to raise their own children. The typical behavior of such a person would be to have children but then treat them poorly, and so the cycle continues. Many families tolerate such people because they believe their behavior is merely eccentric; some even imagine them colorful in some way, someone to “put up with” because, after all, we are all different.

The chaos caused within close family circles by such behavior is unimaginably distressing, especially when the father invents lies to cover up unacceptable behavior, sometimes at the expense of other family members. Often the cycle of deception continues for years, perhaps up to and after the father’s death. Occasionally, the disorder develops into a more sinister condition when the parent, due to death, is no longer able to provide emotional support.

Health Fitness

best home gym exercise equipment

If you’re interested in working out in the comfort of your basement, getting some exercise equipment from home gyms is a very smart move. Many people love the convenience this gives them as they can exercise at any time of the day and don’t have to worry about the extra time they spend running and in between the gym. Let’s take a quick look at the reasons to consider investing in home gym exercise equipment and the best types to buy.

Nice cardio workout

The first big benefit is that you’ll find that your cardio exercises tend to be much more enjoyable when you do them at home. When you’re in a crowded gym, you’ll have to fight not only for the particular piece of exercise equipment you want, but you’ll also fight for a fan or the TV station you want to watch if you enjoy doing that at the same time. However, when you have cardio equipment in your own home, this problem is eliminated. There are a number of different home cardio equipment options to choose from, including rowing machines, ellipticals, treadmills, or even a basic jump rope that can give you a fantastic workout without breaking the bank.

If you’re going to invest in some of the more expensive cardio equipment, you want to make sure you get the warranty. These machines can be very expensive to replace and repair, so you don’t want to experience that cost burden in the future.

Effective time

Next, another great thing about home gym exercise equipment is that it is time efficient. If you can buy a set of adjustable dumbbells, you can easily work your entire body without having to worry about struggling for a machine. If you have circuit training planned and the particular weight level or machine you need is in use, this really puts a damper on your program. Look for an adjustable dumbbell set that easily unscrews at the end so you can add more or less weight as needed.

Variable price ranges

Third, keep in mind that the equipment you can buy comes in a wide variety of price ranges. No matter what your budget is, you can find some equipment to fit it. This is different than going to a gym where you will be faced with premium gym membership at all times. With a home gym you can create an entire workout for less than $50 if you need to. That’s what most gyms charge monthly.

easy storage

Finally, the last great thing about home gym exercise equipment is that it allows for easy storage. With many of the machine’s options, you can simply store it in a drawer or cupboard after use so you don’t have to have an entire room dedicated to it. Examples of these include resistance bands, exercise balls, medicine balls, mini steppers, jump ropes, or adjustable dumbbell sets.

Everything can be conveniently out of sight in seconds. So make sure you don’t overlook the benefits of home gym exercise equipment. It’s a cheap and effective way to get in the best shape of your life.

Legal Law

Bullying and harassment in the workplace

Bullying and harassment are unacceptable and unethical forms of unwanted, offensive and malicious behavior against an individual or sometimes a group of individuals. They can cause extreme stress and anxiety for the person being bullied or harassed and can have a detrimental effect on them and their families. Although bullying is not illegal, it is possible, if you are a victim of bullying, to file a claim under bullying laws. Harassment is offensive behavior and unwelcome conduct and can be related to age, race, religion, gender, disability, sexual orientation, or national origin. Harassment is illegal behavior and can result in court, often with the payment of a large amount of damages to the victim. Bullying and harassment can take the form of face-to-face conduct, email, letter, phone or text message. It may be an isolated incident or an ongoing episode of unacceptable and offensive behavior towards an individual or group of individuals.

effect on the victim.

We all know that bullying and harassment, in any walk of life, is unacceptable, and yet we’ve all heard of it happening, whether it’s in the schoolyard, at home, or in the workplace. . A person who is being bullied or harassed will feel stressed and anxious, her confidence levels will suffer, she may begin to isolate herself from other people, and her work and family life may begin to suffer. In the workplace, the person being harassed may begin to miss a lot of work, may no longer be able to meet deadlines, and may no longer be able to maintain good relationships with colleagues.

What to do if you are an employee who is being bullied

If you are experiencing bullying or harassment in the workplace, it is a good idea to try to resolve the problem informally in the first instance, by talking to your colleagues and your employer. However, if this does not resolve the problem, the next step would be to file a formal complaint and follow your employer’s complaint procedure. If an employee is forced to resign due to intimidation, he may be able to file a claim for implied dismissal.

What to do if you are an employer.

Employers have a duty of care to employees to ensure their health and safety in the workplace and this includes dealing with bullying and harassment. Bullying and harassment can have an extremely detrimental effect on the health of the victim. The employer must take reasonable steps to prevent the bullying and harassment from continuing. It is in the employer’s best interest to prevent any bullying and/or harassment in the workplace as, in addition to being illegal and unethical, it can have a detrimental effect on staff morale and production, which in turn can affect the general operation of the company. the business. Employers should ensure they have a bullying and harassment policy and make it clear that bullying and harassment will not be tolerated in the workplace and will be taken very seriously.

Summary.

When a person, or a group of people, is bullied, they are subjected to actions or comments that are considered demeaning and unacceptable, and often the bullying is carried out in front of other peers to humiliate the victim. Bullies come across as intimidating and malicious and their bullying and/or harassment will often be work related, but can equally be focused on a non-work related problem. It is important that employers and employees work together to ensure that any bullying or harassment issue is addressed as soon as possible for the good of all involved.

Copyright (c) 2010 Robert Gray

Lifestyle Fashion

Computer Stress Ergonomics: Changes in Technology Can Cause Stress

Ergonomics: the study of people’s problems in adapting to their environment; sp. the science that seeks to adapt work or working conditions to the taste of the worker.

By its very nature, “high tech” means constant transitions and changes, and this means constantly high levels of stress in adapting to these changes. Our primitive mechanisms for adapting to change are often overwhelmed by the changing, high-tech world in which we need to live and work. Virtually everyone agrees that negative transitions like; job insecurity due to downsizing (“downsizing”, etc.) or financial insecurities (i.e. credit card debt, mortgages, college fees, stock market changes, etc.) or health problems (i.e. , illness, chronic illness, injury, stress symptoms, etc.), or insecurities in emotional relationships (divorce, courtship, changes in family roles, two-income families) and international or regional political upheavals (as presented “from up close and in person” in our homes on television) are seen as stressful with potential drawbacks to their health and well-being.

Change “good”: same results

Transitions and changes are not always bad. However, even positive change can create responses within our primitive response mechanisms that can lead to negative symptoms of physical and emotional stress. In the last ten years alone, high-tech advances have increased productivity expectations and often time commitments to respond to work pressures. Remember life before: fax machines, voicemail, email, cell phones, cellular faxes, instant international business applications, and yes, even the Internet? Sure you can turn them off, ignore them, control them (???,) but the pressures to respond and keep up with changing hardware/software technologies are still there, even if you bury your head in the sands of DENIAL. ….

To prove a point about how stress/positive change can be dramatically bad for your health, I want to tell a short story. When I was a child, I read an article in the newspaper about a man suffering from good fortune. The story said that a man had won the Irish lottery. He had made a fortune…$100,000, which in those days was a lot of money! He was so happy with his good luck that he celebrated in an unfortunate way…he died of a heart attack! How many people do you know who get a new job or relationship and end up paying the price for this positive stress?

In the last ten years, people are developing new symptoms of this technology. Eye strain, back strain, wrist/hand strain, neck problems, even weight gain and substance abuse can be loosely related to long hours in the world of computers and technology. New industries are even springing up to take advantage of the health and safety needs of the everyday computer user and high-tech worker.

Who reading this article can say that our primitive response to the stress of millions of years of adaptation and survival has been able to keep up with these last decades of change? Have you developed a new midbrain response to the old flight/fight response? If we cannot change the world around us, or the people we do business with, or the people we have to live with, or the global changes that affect us, then we can at least be aware of this dilemma and avoid becoming a VICTIM of these changes! We have CONTROL over how we RESPOND to these changes.

Awareness is half the battle! Know how YOU respond to stress and what in your life is causing this transitional stress… THEN, you need to develop daily wellness habits to stay off the “edge” of falling into negative physical and emotional responses to stress. . You can GET BACK IN CONTROL! It can prevent, or at least minimize, symptoms of stress such as: headaches, backaches, neck pains, high blood pressure, panic, anxiety, many stomach problems, sexual dysfunctions, possibly reduce autoimmune problems such as allergies or some forms of arthritis. , sleep problems, bruxism, TMJ, etc… Emotional symptoms such as: loss of concentration, withdrawal (depression), anxiety, being accident prone, memory loss, lack of motivation, poor communication, poor performance , some learning difficulties, etc. they can be linked to stress and reduced, if not eliminated, through changes in consciousness/lifestyle. Key employees can receive executive/staff training and this can prevent them from becoming passive due to inefficiency, low productivity or poorer training replacements for these key people. This is as true for families as it obviously is for businesses.

The remedies are as broad as the variables that have created the problems. However, most people perform better when they engage in regular (daily) self-care, which often includes: Relaxation (stress management (tapes, exercises, one-on-one counseling)), Physical exercise (5 times per week for more than 30 minutes) and proper nutrition (including mineral and antioxidant supplements NOT readily found in usable forms in the high-tech or mass-produced processed foods we eat).

Please take care.

Real Estate

Alternative Commercial Mortgage Lenders: Hedge Funds and Private Equity

Hedge funds and private equity firms are investment companies created by Wall Street investment banks and financed by wealthy individuals and cash-rich corporate entities. Unlike standard exchange-traded mutual funds, hedge funds are largely unregulated and have much more wiggle room in their investment choices. Many of these funds have recognized the opportunity that has arisen in commercial real estate lending and have stepped in to fill the funding gap. The money managers in charge of these massive equity funds are professional investment experts, know a lot when they see it, and can be very agile. Hedge funds and private equity funds are not afraid of risk; in fact, they thrive on it. If they like a deal, they make decisions quickly and can close loans or equity financing in just days.

There are many private funds that specialize in commercial real estate investments or have a commercial mortgage lending division. They are cash rich and actively looking for quality deals to finance. They can be a great alternative to banks and other traditional lenders.
But keep in mind that they are very professional and highly sophisticated. Don’t approach hedge funds with shoddy or incomplete packages. They are professionals and work exclusively with other professionals.

Hedge fund and private equity people have a Wall Street mentality; They are art dealers at heart. When they look at a deal, they want to be able to make decisions quickly.

When you get close to a fund, you’ll want to have a complete, well-documented package ready to show them at a moment’s notice, but don’t give it all at once. Having worked for Wall Street firms for over 20 years, I have determined that the best way to approach money managers is with a well-written, concise 1-page deal summary.

Summarize the selling points of your business on a single sheet of paper, emphasizing the profit potential, the level of experience of the investors, the strength of the location, and some of the other strengths of the project. They will appreciate the fact that you have respected their time by being brief. If they like what they see, they will order more. Give them exactly what they ask for; don’t bog them down with documentation until they tell you they want to see it. Sell ​​them the big story before trying to sell them the details.

If you want to get financing from a big box private equity firm or hedge fund, I suggest you use the services of a professional broker with Wall Street experience. They can speak the language of fund managers and know exactly what is important to note about a particular trade. These funds tend to operate like private clubs, it helps a lot if you have an “in”. If you are lucky enough to develop a relationship with this unique type of lender, you will enjoy a seemingly endless source of capital.

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The ransomware epidemic and what it can do

What is ransomware

Ransomware is a current epidemic based on an insidious piece of malware that cybercriminals use to extort money from you by holding your computer or computer files for ransom and demanding you pay to get them back. Unfortunately, Ransomware is quickly becoming an increasingly popular way for malware authors to extort money from businesses and consumers alike. If this trend is allowed to continue, Ransomware will soon affect IoT devices, automobiles, and ICS and SCADA systems, as well as computer terminals. There are several ways that ransomware can enter someone’s computer, but most are the result of a social engineering tactic or the use of software vulnerabilities to silently install itself on a victim’s machine.

Since last year and even before, malware authors have been sending waves of targeted spam emails to various groups. There is no geographical limit on who can be affected, and while the emails were initially targeted at individual end users, then at small and medium-sized businesses, now the enterprise is the mature target.

In addition to social engineering phishing and spear-phishing, ransomware also spreads through remote desktop ports. The ransomware also affects files that can be accessed on mapped drives, including external hard drives such as USB sticks, external drives, or folders on the network or in the cloud. If you have a OneDrive folder on your computer, those files may be affected and then synced to cloud versions.

No one can say with exact certainty how much malware of this type exists. Since much of it exists in unopened emails and many infections go unreported, it’s hard to tell.

The impact for those who were affected is that the data files were encrypted and the end user is forced to decide, based on a clock, whether to pay the ransom or lose the data forever. Affected files are usually popular data formats such as Office files, Music, PDF and other popular data files. More sophisticated strains remove “shadow copies” from the computer that would otherwise allow the user to return to an earlier point in time. In addition, the “restore points” of the computer are being destroyed, as well as the backup files that can be accessed. The way the criminal manages the process is that he has a command and control server that contains the private key of the user’s files. They apply a timer to the destruction of the private key, and the demands and countdown timer are displayed on the user’s screen with a warning that the private key will be destroyed at the end of the countdown unless the ransom is paid . The files themselves continue to exist on the computer, but they are encrypted, inaccessible even to brute force.

In many cases, the end user simply pays the ransom and sees no way out. The FBI recommends against paying the ransom. By paying the ransom, you are funding further such activities and there is no guarantee that you will get any of your files back. Also, the cyber security industry is getting better at handling Ransomware. At least one major anti-malware vendor released a “decryptor” product last week. It remains to be seen, however, how effective this tool will be.

What to do now

There are multiple perspectives to consider. The individual wants to recover the files from him. At the company level, they want to recover files and protect assets. At the enterprise level, they want all of the above and must be able to demonstrate performance of due diligence to prevent others from being infected by anything that is deployed or shipped from the enterprise to protect them from the mass grievances that will inevitably occur in the future. so far.

Generally speaking, once encrypted, files are unlikely to be decryptable. The best tactic, therefore, is prevention.

Make a backup of your data

The best thing to do is make regular backups to offline media, keeping multiple versions of the files. With offline media, such as a backup service, tape, or other media that allows monthly backups, you can always go back to previous versions of your files. Also, be sure to back up all your data files; some may be on USB drives, mapped drives, or USB keys. As long as files with write-level access can be accessed by malware, they can be encrypted and held for ransom.

Education and Awareness

A critical component in the Ransomware infection prevention process is making end users and staff aware of attack vectors, specifically SPAM, phishing, and spear-phishing. Almost all Ransomware attacks are successful because an end user clicked on a link that seemed innocuous or opened an attachment that appeared to come from a known person. By raising awareness and educating staff about these risks, they can become a critical line of defense against this insidious threat.

Show hidden file extensions

Windows usually hides known file extensions. If you enable the ability to see all file extensions in email and in your file system, you can more easily detect files of suspicious malware code masquerading as friendly documents.

Filter executable files in email

If your gateway mail scanner has the ability to filter files by extension, you may want to reject emails sent with *.exe attachments. Use a trusted cloud service to send or receive *.exe files.

Disable running files from temporary file folders

First, you need to allow hidden files and folders to show in explorer so that you can see the app data and program data folders.

Your antimalware software allows you to create rules to prevent executables from running from your profile’s local and application data folders, as well as from the computer’s program data folder. Exclusions can be set for legitimate programs.

Disable RDP

If it’s practical to do so, disable RDP (Remote Desktop Protocol) on mature targets, such as servers, or block them from Internet access by forcing them to use a VPN or other secure route. Some versions of Ransomware take advantage of vulnerabilities that can deploy Ransomware on an RDP-enabled target system. There are several technet articles detailing how to disable RDP.

Patch and update everything

It is critical that you stay current with Windows updates as well as antivirus updates to avoid a Ransomware exploit. Not so obvious is that it is just as important to stay up to date with all Adobe and Java software. Remember, your security is only as good as its weakest link.

Use a layered approach to endpoint protection

It is not the intent of this article to endorse any one endpoint product over another, but rather to recommend a methodology that is rapidly being adopted by the industry. You need to understand that ransomware, as a form of malware, feeds on weak endpoint security. If you strengthen endpoint security, Ransomware will not proliferate as easily. A report published last week by the Institute for Critical Infrastructure Technology (ICIT) recommends a layered approach, focusing on behavior-based heuristic monitoring to prevent the act of non-interactive file encryption (which is what Ransomware does). , and at the same time, run an endpoint anti-malware or security suite that is known to detect and stop the Ransomware. It is important to understand that both are necessary because while many antivirus programs will detect known strains of this nasty Trojan, it will be necessary to stop unknown zero-day strains by recognizing their encryption behavior, changing the wallpaper, and communicating through the firewall for their detection. command and control center.

What to do if you think you are infected

Disconnect from any WiFi or corporate network immediately. You may be able to stop communication with the command and control server before it finishes encrypting your files. You can also prevent Ransomware on your computer from encrypting files on network drives.

Use System Restore to return to a known clean state

If you have System Restore enabled on your Windows machine, you might be able to take your system to a previous restore point. This will only work if the Ransomware strain you have has not already destroyed your restore points.

Boot to a bootable disk and run your antivirus software

If you boot from a boot disk, none of the services in the registry will be able to start, including the Ransomware agent. You may be able to use your antivirus program to remove the agent.

Advanced users can do more

The ransomware embeds executables in the Appdata folder of your profile. In addition, the entries in the Run and Runonce keys in the registry automatically start the ransomware agent when the operating system boots. An advanced user should be able to

a) Run a thorough antivirus scan to remove the Ransomware installer

b) Start the computer in safe mode without running Ransomware or end the service.

c) Remove encryption programs

d) Restore encrypted files from offline backups.

e) Install layered endpoint protection, including signature and behavior-based protection to prevent reinfection.