The Homework Blog

iLearningGlobal TV Trainer Alan Williams On Money Mastery

iLearningGlobal is pleased to announce Alan Williams as the featured faculty speaker on this week’s Millionaire Mentor Session.

Alan Williams is a nationally published author, speaker, and personal financial mentor with a 38-year background in corporate management and finance. In 1994, he co-founded Time & Money, LLC and is a principle author and developer of Money Mastery®, a financial literacy and coaching program that helps individuals, families and corporations get in total control of their finances. Today he serves as chief executive manager of Time & Money, LLC.

Alan has been giving seminars across the U.S. and Canada since 1994. His mission is to educate, inspire, and motivate people to make significant changes in their lives through the application of proven financial principles. Alan has coached thousands of people in the last 15 years.

His extensive knowledge in debt restructuring, insurance, tax law, investment management, and estate organization allows him to provide unique inter-related training between all areas of personal finance. Alan is the co-author of MONEY: What Financial “Experts” Will Never Tell You and the Money Mastery® Personal Financial Management System. 

Alan has been instrumental in the successful start-up, development, management, marketing, and sale of several U.S. and Canadian companies. Prior to forming Time & Money, Alan served as president and CEO of a multi-million dollar telecommunications company, as president of the Canadian land acquisitions company Bar KW Ranches, Ltd., and as a sales director for Pfizer, Inc.

He also served for six years as a credit union director and as a university senator. Alan currently resides in Utah with his wife, Venice. He is the father of three children.  For more information on Alan Williams, visit his Money Mastery web site.

Alan Williams and over 150 top trainers teach on iLearningGlobal

A Non-Executive Directors was a positive move for our board appointments

We are an aggressive growth company and sometimes you have to shift the boundaries a little, as you maneuver your way to the top. This works ok in many cases, but we have found that with growth comes pain, particularly when you fail to see the woods from the trees. We know our business backwards and resent being told what to do by outsiders. We believe we have earned the right to make decisions about how we conduct our business and exercise these rights to achieve our goals.

This may seem a bit cavalier, but it has server us well through the last few years of our growth phase. We don’t come unstuck often and when we do we react quickly. In more recent times we have been willing to accept that some aspects of our business rely on underpinning systems which must be fundamentally sound, whether this is for accounting or legal compliance, there are some rules we can not break and understand the consequences if we do. We have a board and hold regular board meetings. We have a company secretary and have ensured that he has been trained on compliance matters and keeps us in check in this regard.

What we lacked was some independent input at board level and it was not until we engaged consultants to help us with strategic planning that the lights came on. They were able to explain to us the benefits of appointing one or more Non-Executive Directors to our board. We have made the first non-executive director appointment and we are very pleased with the outcome. We still have a strong link to management for the reporting and forecasting and have not taken our eyes of the ball on marketing, but when it comes to corporate governance we are confident now that we can be a lot more accountable to our shareholders and will come up well under scrutiny.

A Brief History Of Photography

For centuries images have been projected onto surfaces. The camera obscura and the camera lucida were used by artists to trace scenes as early as the 16th century. These early cameras did not fix an image in time; they only projected what passed through an opening in the wall of a darkened room onto a surface. In effect, the entire room was turned into a large pinhole camera. Indeed, the phrase camera obscura literally means “darkened room,” and it is after these darkened rooms that all modern cameras have been named.The first photograph is considered to be an image produced in 1826 by the French inventor Nicéphore Niépce on a polished pewter plate covered with a petroleum derivative called bitumen of Judea. It was produced with a camera, and required an eight hour exposure in bright sunshine. However this process turned out to be a dead end and Niépce began experimenting with silver compounds based on a Johann Heinrich Schultz discovery in 1724 that a silver and chalk mixture darkens when exposed to light.Niépce, in Chalon-sur-Saône, and the artist Louis Daguerre, in Paris, refined the existing silver process in a partnership. In 1833 Niépce died of a stroke, leaving his notes to Daguerre. While he had no scientific background, Daguerre made two pivotal contributions to the process.He discovered that by exposing the silver first to iodine vapour, before exposure to light, and then to mercury fumes after the photograph was taken, a latent image could be formed and made visible. By then bathing the plate in a salt bath the image could be fixed.In 1839 Daguerre announced that he had invented a process using silver on a copper plate called the Daguerreotype. A similar process is still used today for Polaroids. The French government bought the patent and immediately made it public domain.Across the English Channel, William Fox Talbot had earlier discovered another means to fix a silver process image but had kept it secret. After reading about Daguerre’s invention Talbot refined his process, so that it might be fast enough to take photographs of people as Daguerre had done and by 1840 he had invented the calotype process.He coated paper sheets with silver chloride to create an intermediate negative image. Unlike a daguerreotype a calotype negative could be used to reproduce positive prints, like most chemical films do today. Talbot patented this process which greatly limited its adoption.He spent the rest of his life in lawsuits defending the patent until he gave up on photography altogether. But later this process was refined by George Eastman and is today the basic technology used by chemical film cameras. Hippolyte Bayard also developed a method of photography but delayed announcing it, and so was not recognized as its inventor.In the darkroomIn 1851 Frederick Scott Archer invented the collodion process. It was the process used by Lewis Carroll.Slovene Janez Puhar invented the technical procedure for making photographs on glass in 1841. The invention was recognized on July 17th 1852 in Paris by the Académie Nationale Agricole, Manufacturičre et Commerciale.The Daguerreotype proved popular in responding to the demand for portraiture emerging from the middle classes during the Industrial Revolution. This demand, that could not be met in volume and in cost by oil painting, may well have been the push for the development of photography.However daguerreotypes, while beautiful, were fragile and difficult to copy. A single photograph taken in a portrait studio could cost US$1000 in 2006 dollars. Photographers also encouraged chemists to refine the process of making many copies cheaply, which eventually led them back to Talbot’s process. Ultimately, the modern photographic process came about from a series of refinements and improvements in the first 20 years.In 1884 George Eastman, of Rochester, New York, developed dry gel on paper, or film, to replace the photographic plate so that a photographer no longer needed to carry boxes of plates and toxic chemicals around. In July of 1888 Eastman’s Kodak camera went on the market with the slogan “You press the button, we do the rest”. Now anyone could take a photograph and leave the complex parts of the process to others. Photography became available for the mass-market in 1901 with the introduction of Kodak Brownie.Since then color film has become standard, as well as automatic focus and automatic exposure. Digital recording of images is becoming increasingly common, as digital cameras allow instant previews on LCD screens and the resolution of top of the range models has exceeded high quality 35mm film while lower resolution models have become affordable. For the enthusiast photographer processing black and white film, little has changed since the introduction of the 35mm film Leica camera in 1925. photography magazines

Horrendous credit rating position is annoying towards apply for each sort of loans via creditors

Human beings who have a bad credit score status certainly find it problematic and frustrating to avail any form of loans from banks and other lending institutions. The frustration happens to be more significant when such type of men and women do not have possession of some sort of worthy residence to be stored as collateral to achieve cheap loans. Should you be among them, there is no reason to worry due to the fact you can find unguaranteed personal mortgages with poor credit which are specially and specifically created for citizens with a bad credit score.Unguaranteed private mortgages with low credit score could be availed by virtually anyone that has been suffering from unlikely a bad credit score standing. If you must outsource cash from any lender to meet your private expenses or investments, you could apply for such items. Such loans are specifically for citizens who have poor credit histories.Such loan items are unguaranteed in nature. There is no requirement to location collateral against the loan offered. The accepted mortgage amount is likely to depend on your capability to repay. Unsecured private loans with poor credit are usually short-term loans, having repayment maturity in about six months or much more. Since the mortgages are not guaranteed, it is just plausible that they carry a little bit greater interest levels compared to many other forms of mortgages. Then again, the interest levels imposed could even now be competitive amid the intensifying competition within the lending industry.Payday loans tend to be particularly and also exclusively modeled on persons with encountered implications due to arrears, bankruptcy and mortgage defaults in the past. This kind of solutions perhaps may be effective for paying visitors and renters that do not possess any kind of personalized estate or real estate. The loans are offered also for bad-credit homeowners that hate the concept of getting their particular condos to danger just to take advantage of any private equity loan.You can actually almost instantly avail of unguaranteed personal loans for a bad credit score to fund your requirements like wedding, vacation, shouldering of bills and debt consolidation. What is more? Application for that mortgages could possibly be approved in the very short period of time. There may be logically a reduced number of paperwork necessary since there is no such thing as a guarantee necessary. You can actually smartly increase or perhaps boost your current credit score through repaying the money installment ahead of due date and frequently.It might be really trouble-free to apply for unguaranteed private loans while having poor credit. You will need to complete up mortgage loan application forms supplied by lenders. You could opt to make an application at lenders’ physical workplaces or online for extra benefits. Application and approval of these kind of finances mostly take on just some moments or perhaps a handful of days (in some cases). You can actually also pick out the service together with conditions that suits your possibility to pay back along with your preferences.

So long as you are probably fascinated in applying for a mortgage loan you absolutely should have a glance on geld lenen zonder bkr toetsing. More or less all the appropriately famous Dutch loaners are generally posted there and therefore your ability to pick up a equity loan might expand through the instant.

Top Reasons To Hire An internet marketing service

Any person who is the owner of their own website already knows that it is one thing to start the website, but quite another to get the site to be a regular source of revenue.  You can put all the time and effort in the world into making the website perfect, but that effort is wasted if the site never gets seen by the right customers.  Hiring an internet marketing service is the fastest way to get your site to produce the revenue you want.  There are many different aspects of web marketing that need to be handled in order for you to make your site a major success, and the specialists in the field know exactly how to accomplish this for you.

The advantages of hiring an internet marketing service are many, and it will often begin with a customized website.  They can help you create exactly the kind of site that will appeal to your target demographic, or they can help you revamp your existing website.  Next, you will get the advantage of being listed on Yahoo, Google, MSN, and other major sites – this is how you will get the website traffic that is made up of your targeted group.  Other advantages include secure website hosting that you can trust, no need to worry about your site being hacked when you have hired the professionals.

An internet marketing service can even provide some advantages that you were not even aware of, such as special tracking software.  This alone can be a great advantage, because it can give you all the vital information on your website visitors, like what they looked at, how long they visited your site, and even their next website visited after they exit your site.  Knowing what your customers are browsing, and where they are browsing it, is an excellent way to learn how to tailor your site to your target group. 

Hiring a internet marketing service can get you front page rankings with the big search engines, but it can do much more as well.  You can actually get the exact type of customers that you want delivered to your virtual doorstep, with credit card in hand ready to buy.

Replacing Old and Oudated Electrical Outlets in Your Home

Renovation and remodeling is often very expensive. However, if you are looking for some cheaper alternatives that will give your home a fresh look, then think over the following options.Something that is quite inexpensive is installing light dimmers instead of your regular light switches. This can really add to the ambiance of your room. Perfect for dining areas, bedrooms and entertainment rooms, dimmers add instant fashion, as well as functionality.Another easy fix is replacing all of your outdoor outlets. Outdoor outlets should resist all types of weather, so if yours are starting to erode, then update to a newer model. You can only enjoy this benefit about half of the year, but it will be worth the money and time.For small, inexpensive home improvement fixes, you should think about replacing your light fixtures themselves, not just exchanging the switches with dimmers. Overhead light fixtures can either add to, or take away from, the room. Take away fixtures from the seventies, and find something modern, sleek and functional.Though this might be a little more expensive, another thing for you to think about is energy efficient appliances. Appliances like washers and dryers can really cost you a lot when it is time for the energy bill. When you remodel, you can update your washing room or kitchen with new appliances.While this is admittedly more expensive, it also has a more drastic effect than dimmers or outdoor outlets. New, energy efficient appliances are a sure fire method for a revamped look during home remodeling.Another slightly pricey remodel idea is to update your air conditioning or heating appliances. Depending on how much money you want to invest in your home, this can make you infinitely more comfortable in your own house.No matter the route you decide to take, whether it is simple, like dimmers and outdoor outlets, or whether it is more expensive, you still do not bust the bank. Consider your remodeling budget, and plan a course of action.

Understanding Job Roles Before Accepting a New Position

Approximately, 90% of people applying for new jobs neglect to do one thing. They forget to look at the job roles associated with the job they are applying for. Most applicants will apply for a job based on its title and requirements. When it comes to discussing the day to day responsibilities, they simply glance over the explanation. It usually is not until they have been on the job for three months that they start to wonder if this is the job for them. It is at this point that they realize that the job was not what they were expecting. It is about this time that they start pounding the pavement again in search for their next job. However, if they would have delved deeper they would have realized everything that the job entailed. At which time they probably would not have taken the job, or not be surprised by the turn of events.

When you are looking for a new job or a change in career paths, you must look at all aspects of the position. Before you can look deeper, you need to understand how most Human Resources view the different positions. They see a job a collection of tasks and responsibilities. They see the description as the general outline of what is required. They see job roles as the work it will require to get the job done. Therefore, when you apply for a new position you will want to ask questions regarding the job roles, not just about the job tasks. This should provide you with the information you need to be able to make an informed decision.

There is nothing worst than getting stuck on a new job, that you know you do not like. You may not be in a position to quit. Therefore, you know you have no choice but to stick it out for at least one year. However, you could have foreseen this coming if you would have done a little more research on not only the company, but on the job and the job roles associated with the position. This is a misconception that many people make. However, it usually only takes one time before you get it right.

$1 Million in Google AdSense Earnings

They are calling him the million dollar man. Jason Calacanis recently revealed in his blog that he is on track to earn a million dollars from AdSense over the year ahead. And if that number doesn’t wake you up and have you sitting on the edge of your seat, consider for a moment that he reached this level in less than a year. His company only started using AdSense in September 2004. Calacanis runs Weblogs Inc., a network dedicated to creating trade weblogs across niche industries. And he’s quickly proven that AdSense is a credible advertising partner. As their network has grown, so has their AdSense revenue. In January 2005 they earned an average of $580 per day. In March it was $737. In May it was $1,585. One day in July, just before he made the blog entry referred to above, they earned $2,335. Remember that is just for one day.  If they can take that daily average to $2,740 they’ll be earning a rate of $1 million for a year. And Calacanis predicts that reaching daily earnings of $3,000 or even $5,000 is quite achievable. That’s quite an achievement. Keep in mind that Calacanis has 103 bloggers on the payroll and nine staffers. Even so, many webmasters would give an arm or a leg to have even a third of that. Google’s AdSense has been revolutionary. It has become firmly established as the darling of the online advertising industry. Although rumors are heard of major competitors launching a similar service, AdSense’s premier position seems secure for now. In essence, AdSense has made it possible for almost anyone with a web site or blog to earn some revenue from advertising, without having to employ sales people or spend precious time searching for advertisers.  AdSense works like this. Webmasters sign up for an account in just a few minutes. They receive a small snippet of code to include on their web pages. Google will then automatically serve advertisements that are relevant to the content on the webmaster’s pages. When someone visits the webmaster’s site and clicks on one of Google’s AdSense advertisements, the webmaster earns a fee. Advertisers can pay anywhere from five cents to a hundred dollars per click, and the webmaster receives a percentage of that fee. Many webmasters are content with earning five to ten dollars from AdSense to cover the cost of web hosting. But many, unsurprising, have higher ambitions. At a popular WebmasterWorld forum, participants share tips and encouragement on reaching a goal of $300 per day from AdSense. So it is no wonder that Calacanis created quite a buzz when he made his million dollar blog entry. Google have proven once again that they excel at designing innovative Internet services. If you are in the web industry and have not yet used AdSense, then perhaps you should try it out. Or if you are already using it, perhaps Calacanis’ impressive results will encourage you to track the performance of your AdSense units more closely, fine tune their positions and formats, and take your earnings to a new level. clickbank secrets

Pursuing an IT Career

One of the hardest decisions many people face in their lives, is choosing what career path to follow.  Having a career is to be passionately involved with your work for a long period of time, hence, the sometimes, overwhelming feeling one gets when they have many career options.  The best advice that can be given to someone in this predicament, is to, study and do what you’re interested in.  If you’re computer savvy, enthusiastic and love working with computers and their functions, then getting a job in IT (Information Technology) could be for you.

Living in the “information age”, has been the boost for employment in the technology field.  Especially getting a job in IT.  Computers, perhaps, one of man kinds greatest inventions, has expounded into one of the most informative, socializing and data recording systems in the world.  With the click of a mouse, we are able to access the Internet for information on anything and everything, socialize with people all around the world, keep records and so much more.  Along with these wonderful capabilities, comes the “behind the scenes” tech crew.  

A job in IT can include, Web development, software programming, hardware installment and technicalities, technical support, the Internet, networking and so much more.  There are plenty of opportunities to grow in IT.  Salaries average out annually for a Information Technology Manager at $87,000.  The next highest paying job would be at $80,000 as a Project Manager in Information Technology.  Experience and qualifications are priceless in this field and companies, especially large companies with crews devoted to IT pay large salaries to have this kind of employee.  There are companies out there that are willing to pay someone with the experience and qualifications double than someone who has, say, one year less experience than they do.  Hence, the room to grow in IT and the money to be made.

Getting a job in IT is very beneficial and exciting for someone who loves computers and loves a challenge everyday.  There is so much to learn and so much to put into practice.  Whenever there are computers and technology, there will always be a need for someone who knows about these things.  With the advancement of technology and the ever, better desk top computers and lap tops coming out into the market, there will always be room for IT specialists.  Getting a job in information technology can be an excellent career path.

Christmas Reviving the Outrageous Old-Time 12 Days of Christmas Fun!

The twelve days refers to the twelve festive days after Christmas that is from 26th December to the 6th January. Celebrated since medieval times it started on the day after Christmas as Christmas day traditionally was considered holy and not for partying. The 12 days were filled with merry-making and continuous feasting. It was once a most welcomed break for the workers where all work accept for looking after animals would stop and restart again on Plough Monday the first Monday after the Twelfth night. Traditionally a Yule log was kept alight for these 12 days and was considered a bad omen if it went out before time!During the twelve days it was popular for people to visit each other with traditional minced pies. A Lord of Misrule was appointed and role reversals were common. For example masters would serve their slaves and even slaves could hold a public position during the 12 days.A popular 18th century tradition was called the Twelfth Night. On the twelfth night people would disguise themselves with animal masks and costumes while celebrations were rife! Often pantomimes were performed which mocked the traditional authority where rules were turned upside down! Another tradition rose on this night where men dressed as women and women dressed as men! Celebrations were always followed with the eating of a Twelve Night Cake in which the person who found a pea (specially baked into the pie) in their slice was deemed King or Queen and were waited on with much delight!Later evolved the game known as charades played out on the Twelfth Night. It is believed to have arisen out of these earlier fun celebrations. Cards were presented and you had to act out over the Twelfth Night the character on your card.Twelfth Night Practical Jokes! Particularly in England during the 18th century they loved to play practical jokes which became a much loved tradition on the Twelfth Night. You may recall the childrens verse Four and Twenty Black Birds Baked in a Pie which is related to a famous English practical joke commonly played during this time. Presented to guests on their plates were pie cases with live birds hidden inside. To the much surprised guests once they opened the crusts the birds began to sing then fly off. I think it is good that this particular joke is no longer practiced as it is not kind to the birds to encase them even if it was only for a short time – it is not humane behavior.Unfortunately today the Twelfth Night celebrations are no longer practiced and are a faint memory now part of history. The Twelve Night is more commonly known today for putting away ones Christmas tree and decorations and a holy day of celebration for the Three Kings who it is said took twelve days to find the baby Jesus..christmas christmas