Help For the Partners of Sex Addicts

October 26, 2016

Frequently Asked Questions (FAQ’s)· What is sex addiction?Sex addiction is an obsessive relationship to sexual thoughts, fantasies or activities that an individual continues to engage in despite adverse consequences. These thoughts, fantasies or activities occupy a disproportionate amount of “psychic space”, resulting in an imbalance in the person’s overall functioning in important areas of life, such as work and marriage. Distress, shame and guilt about the behaviors erode the addict’s already weak self-esteem.Sexual addiction can be conceptualized as an intimacy disorder manifested as a compulsive cycle of preoccupation, ritualization, sexual behavior, and despair. Central to the disorder is the inability of the individual to adequately bond and attach in intimate relationships. The syndrome is rooted in early attachment failure with primary caregivers. It is a maladaptive a way to compensate for this early attachment failure. Addiction is a symbolic enactment of deeply entrenched unconscious dysfunctional relationships with self and others.While the definition of sex addiction is the same as that of other addictions, sexual compulsion is set apart from other addictions in that sex involves our innermost unconscious wishes, needs, fantasies, fears and conflicts.Like other addictions, it is relapse prone.· How do I know if my partner is a sex addict?Sometimes, it’s difficult to know whether someone close to you has an addiction. The addict might hide the addictive behavior or you might not know the warning signs or symptoms.Here are some of the signs and symptoms:* Staying up late to watch television or surf the Web.* Looking at pornographic material such as magazines, books, videos and clothing catalogs.* Frequently isolating themselves from spouses or partners, and doesn’t inform them of their whereabouts.* Are controlling during sexual activity or have frequent mood swings before or after sex.* Are demanding about sex, especially regarding time and place.* Gets angry if someone shows concern about a problem with pornography* Offers no appropriate communication during sex* Lacks intimacy before, during and after sex, and offers little or no genuine intimacy in the relationship* Does not want to socialize with others, especially peers who might intimidate them* Fails to account for increasing number of toll – 800 or 900 – calls* Frequently rents pornographic videotapes* Seems to be preoccupied in public with everything around them* Has tried to switch to other forms of pornography to show a lack of dependency on one kind; concoct rules to cut down but doesn’t adhere to them* Feels depressed* Is increasingly dishonest* Hides pornography at work or home* Lacks close friends of the same sex* Frequently uses sexual humor* Always has a good reason for looking at pornography (Psych Central.com).· Why can’t he/she control his/her sexual behavior?It’s important for you to know that your partner is not volitionally involved in these behaviors so you can begin to understand and, perhaps, forgive. Most addicts would stop if they could.It’s been said that of all the addictions, sex is the most difficult to manage. This syndrome is a complex mixture of biological, psychological, cultural, and family-of-origin issues, the combination of which creates impulses and urges that are virtually impossible to resist. Despite the fact that acting them out produces considerable long-term negative consequences, the addict simply cannot resist his/her impulses. Individuals who are highly disciplined, accomplished and able to direct the force of their will in other areas of life fall prey to sexual compulsion. More importantly, people who love and cherish their partners can still be enslaved by these irresistible urges.Research has also shown that the inability to control sexual impulses is associated with neurochemical imbalances in the norepinephrine, serotonin and dopamine systems. The use of certain anti-depressants (SSRI’s) has thus shown to be very effective in treating the impulse control problems of many sexual compulsives.Biological predisposition contributes and combines with psychological factors. One of the reasons the “erotic haze” is so compulsory is that it is an unconscious but maladaptive way to repair earlier disturbed, anxiety-laden relationships. It shores up an inadequate sense of self which results from these early-life interpersonal abandonments, intrusions and misattunements.This combination of biological and psychological factors results in an “affective disorder” in the sex addict. Feeling of depression, anxiety, boredom and emptiness are quickly alleviated by immersing oneself in an imaginary world that provides novelty, excitement, mystery and intense pleasure. Sex addiction is better than Prosac. It heals, it soothes, it contains, it provides a “safe place” free from the demands of actual performance, and it gives an illusory sense of belonging. The sense of empowerment in the illicit sex act rectifies “holes in the soul” and lifts the addict from feelings of inadequacy, insufficiency, depression and emptiness into a state of instant euphoria.Relinquishing this very special (but delusional) mental and physical state can result in a sense of withdrawal which may include mood swings, inability to concentrate and irritability. These symptoms usually disappear in therapy as the sense of self is solidified and he finds more creative ways to deal with uncomfortable feelings.· What are the effects of cybersex addiction on the relationship?Effects of sex addiction on the sex addict’s partner can be numerous, encompassing a wide range of emotions and reactive behaviors. The sexual codependent’s experience is similar to, but not thoroughly identical to, a codependent person in a relationship with a substance abuser. A codependent partner of a drug addict or alcohol, for example, may manage to understand and even sympathize with her partner’s alcohol problem due to the lesser social condemnation.But a compulsive addiction that involves engaging in sexual activities on the computer or outside of the home inflicts a psychic injury of ultimate betrayal. Sexuality goes to the heart of who we are.Arguable, one purpose and outcome of cybersex is to detach and disconnect sexual experience from real relationships in life. Cybersex’s primary stimulus to autoerotic behavior produces profound disconnection of the sexual experience from relationship context and meaning. Compulsive viewing of pornography, for instance, in no way supports or fosters intimate, attachment-linked sexual gratification, anchored in emotional connection, intimate responsiveness and relationship fidelity.Cybersex addiction reinforces a non-intimate, non-relational, and non-demanding sexual experience — a detached, disconnected physical arousal geared to the self-engrossed preoccupation typical of addictive sexual behavior. Cybersex entrenches emotional, psychological and spiritual/existential disconnection of sexuality from relationship context. Entrance into the “erotic haze” that encompasses the sex addict induces sexual arousal, climax and resolution without real relationship attentiveness, responsiveness, or commitment – the key dimensions of a loving attachment.The behavior directly undermines trust in the couple’s relationship. Thus, the sexual dynamics depicted in cybersex are inherently detrimental and destructive to secure attachment that is essential to a sense of trust in the relationship.It is also reasonably anticipated that a husband’s deception and lying – the existence of a “secret world” apart from the primary relationship is an overlapping, yet also separate detrimental influence upon relationship trust.For some women, this lack of trust in their husband’s word – leads to uncertainty about the “substance” of the man they married, uncertainty about his true identity and a change in their perception of his identity – that of seeing him as fundamentally untrustworthy and of disreputable character. Thus, their internal model of their husband changes.Others may feel that the husband is unable to fulfill marital expectations of emotional intimacy and companionship. They talk about not trusting that their husband would fulfill the role of being someone who could provide emotional support. They feel unable to turn to their husbands for this emotional support for different reasons: fearing she would trigger a relapse; feeling rejected because of his involvement in computer sex; sensing her husband’s inability to provide emotional support; being shamed by a husband’s angry or dismissive response from her attempts to reach out for support and companionship; or resolving that her husband was emotionally preoccupied with his own struggle with addiction.The addict’s use of cybersex causes self doubt and lowered self esteem in the spouse. These women feel they aren’t pretty enough or skinny enough, or whatever. In any event, the feel that they are not what their husbands want. Some feel that if they were more sexually desirable, he wouldn’t have this problem. Sometimes, in a frantic effort to compete with unreal women on the internet or with prostitutes, they go to extremes with cosmetic surgery, breast implantation, excessive exercise – in the mistaken belief that if she can lure him back sexually and her husband would stop being interested in pornography and the marriage could be redeemed.Some spouses feel that her husband’s use of internet pornography is a direct attack on her self-worth. They start doubting themselves. They doubt their self-worth. They start doubting the things that used to make them feel special and meaningful. Because if she had any meaning, why was he doing what he’s doing?The wife is often stunned, confused, and in extreme pain upon discovery of the sexual/cybersex addiction. Anger and resentment can be overwhelming. For many partners, the addict’s betrayal can precipitate trauma that resembles post-traumatic stress disorder.A wife can believe that sex is the most important way to express love, so her partner’s sexual acting out can leave her feeling deeply inadequate and unlovable.Within the union, the partner’s low self-esteem can contribute to anxiety and fear of being abandoned. Often she will set aside her moral values and tolerates participating in sexual behaviors with her partner which are unacceptable or even repugnant to her. She feels too unworthy to have solid sexual boundaries. She mistakenly believes that she can stop his acting out if she satisfies his (insatiable and unrealistic) sexual needs.A surprisingly common effect reported by many partners – after the shock of discovery -is the feeling of losing one’s mind. Obsessing about the details of the sex addict’s betrayal, repeatedly confronting her partner with “evidence” of infidelity and being told she’s “crazy” or “just jealous” results in a loss of focus and an inability to concentrate. Fear and anger aggravate the condition. Furthermore, there is an element of intense shame for both addict and sexual codependent attached to sexual addiction, especially if his interests involve an object, cross-dressing, dominance and submission or children. She isolates herself from friends, family and community due to her shame, which provides fertile ground for depression. In some situations, the partner is brought to a point of absolute despair.Some maladaptive strategic responses the sexual codependent may engage in as a means of coping include excessive alcohol consumption, food binges, excessive house cleaning, and overtime career activity; acts that can serve as distractions from her distrust, pain and hostility. Distractions, of course, provide only a temporary and false “relief” and often create more problems than they solve.When the partner’s anger and resentment are suppressed over a period of time, they eventually explode in a volcano of rage, blame, and furious criticism of the sex addict.The explosion of frustrated emotions can open a door to enormous guilt and remorse, so the partner may forgive the addict’s offenses and not stand clear in setting boundaries for herself. The result is an unfortunate snare for the couple, in which the partner unwittingly enables the sex addict to carry on with his unacceptable pattern of sexual acting out.The converse is true regarding the emotional influences on the wife. She may turn inward, withdraw, stay silent and distant. This can include withdrawing from any sexual activity with the addict. These stonewalling behaviors can ignite strong feelings of shame and rejection in the sex addict. In a way, the partner succeeds in punishing the sex addict through these behaviors. But the price of this punishment may be a return to his active addiction as a way to deal with conflict at home.A tremendously debilitating effect on the partner is to assume all responsibility for the addict’s sexual acting out, and even for all of the problems in the relationship. The sex addict may exploit this to his advantage, perpetuating self-doubt within the partner.For example, the partner may confront her spouse with evidence of a transgression, like a credit card charge to a hotel, but the sex addict is skillful and experienced in deception. He will boldly challenge the partner’s credibility, suggesting she see a “shrink” for being so paranoid and suspicious of him. He can persuasively feign righteous indignation, causing his partner to distrust her own instincts and perceptions, even in the face of tangible evidence.The self doubt can plague the partner, aggravating her confusion and contributing to the feeling of “losing my mind”. Not wanting to continue to feel “crazy”, she may retreat into denial, the basic and most fundamental defense mechanism for both partner and addict. When in denial, she will believe the addict’s lies, however far-fetched they may be. She will accept the unacceptable. Whichever lies the sex addict offers to cover up his addiction, she is compelled to “not rock the boat” in order to assuage her abandonment fears.· What are the characteristics of a sexual codependent?Firstly, let’s consider what codependency is. Codependency is an overworked and overused word and definitions can be confusing. At core, it revolves around a deep fear of losing the approval and presence of the “other”. This underlying fear can result in manipulative behaviors that overfocus on maintaining another person’s presence and approval. Control, obsequiousness, anger, caretaking, and being over-responsible are among the behaviors that can be the manifestations of codependent behavior. Because of dysfunctional family-of-origin issues, codependents learn to react rather than respond to others, take responsibility for others, worry about others, and depend on others to make them feel useful or alive.Codependence also refers to the way events from childhood unconsciously produces attitudes and behaviors that propel people into destructive relationships in the present. The self worth of the codependent comes from external sources. They need other people to give them feelings of self-worth. Codependence is a particular relationship with one’s self in which the person doesn’t trust his or her own experiences. Lacking the inner boundaries necessary to be aware of and express their true wants, feelings, goals and opinions, they are “other-validating”. Having only a reflected sense of self, they constantly seek affirmation and validation from other people because they are unable to endorse and validate from within. “Self-validating” people are able to do this. Co-dependents often focus on an addict’s sobriety as a way to achieve a precarious sense of self- consolidation. Sadly, their behavior often perpetuates the loved one’s addiction.Codependent people believe they can’t survive without their partners and will do anything they can do to stay in the relationship, however painful. The fear of losing their partners and being abandoned (once again) overpowers her ability to make decisions in her own best interests. The thought of addressing the partner’s addiction can be terrifying: they may be frightened of igniting the partner’s anger which can result in feeling emotionally flooded by (childhood) fears of loss.The sexual co-dependent suffers from additional symptoms: driven by the potential loss of the relationship, which she sees as identical with her very identity, some women engage in sexual activities with their partners that they find distasteful or even morally repugnant – all in an effort to keep him home and happy. However, this type of fantasy-based acting out may not be based on her real sexual needs and desires and opens the way to turning his partner into yet another object. Certain kinds of sexual acting out can turn sex into another fix for him. The partner senses this, making her sense of sexual betrayal even more poignant.In couples where one partner is ciphering off his erotic energies from the primary relationship, there are invariably problems with the couple’s own sexual expressiveness. He becomes sexually demanding. She expresses her resentment about this by not being sexually responsive. He may lose erotic interest in her, as she never lives up to the thrill of fantasy-based sexual enactments. The sense of having a person-related, intimate sexual encounter may diminish. Erotic expression between the couple can easily dry up, leaving the sexual co-addict feeling even more diminished as a woman and as a person.Sexual co-dependents have an inordinate need to get the information straight. “Detectiving” is a common activity: checking his computer, looking up names and numbers, or desperately looking for scraps of paper with numbers written on them. One client even invited a prostitute her spouse had frequented into her home because she wanted to know the details. The need-to-know provides the partner with a way to check up on her own reality (“Am I crazy or is this really happening?”) and provides her with a sense of much-needed (although illusory) sense of mastery over an out-of-control situation. Especially in light of the addict’s continual denial, the co-addict has a need to provide “evidence” to ensure her soundness of mind — a ploy that rarely works and is exceedingly exhausting.The final distinction between sexual co-addicts and other co-dependents is the shame associated with this “secret”. Sex as an addiction is rarely discussed in “polite society” and there is a huge social stamina associated with it. Sexually addicted clients often tell me that they’d rather be alcoholics or drug addicts. The stigmatization of this compulsion almost ensures that the sexual co-dependent will want to hide or to provide a good “front” to deal with feelings of shame and despair. She may become socially isolated because she can’t discuss the situation with friends. Depression easily enters into an emotional environment of isolation and shame. Keeping secrets about important dimensions of life ensure that the issues underlying them will not be healed.· What’s involved in therapy for someone who is the partner of a sex addict?There is hope. The pain the sexual co-dependent experiences is normal. Learning a partner is sexually addicted can be devastating and debilitating. The betrayal triggers a myriad of strong emotions. Feelings of anguish, despair, rage, hopelessness and shame may overtake her. She may feel alone in unchartered territory, wondering “Where do I go from here?”Psychotherapy is extremely important. Be sure to find a therapist conversant with these issues. What should happen in your therapy?Treatment for sexual codependence can become a process of continued growth, self-realization and self-transformation. Working through feelings of victimization can lead to a new sense of resiliency. Going through this process can be an avenue to discovering meaning and to building stronger self-esteem. Challenges faced can elevate one to a higher level of well-being. A sense of serenity and peace from the appreciation of having worked through this process may occur.Lessons not learned in the family-of-origin can be now be learned and worked through: appropriate self-esteem, setting functional boundaries, awareness of, acknowledgment of and expression of one’s personal reality without undo fear of retaliation, and taking better care of one’s adult needs and wants while allowing other adults to take care of theirs are all potential gains to be made in therapy and recovery.Internal and external boundaries will be strengthened. Strong external boundaries will ensure that you will not again put yourself into a victim role. A sense of having internal boundaries will open up new avenues of healthy intimacy as you will know who you are and be able to hear who another is. At the heart of healthy intimacy is the ability to share your real self with another and be available when someone else shares his real self with you.The sexual co-depenent may find she no longer needs to bend herself into a pretzel to accommodate others. Rejection or disapproval may be unpleasant, but not devastating. Compromising personal integrity in order to get external approval and validation will cease. With increased self-knowledge comes the ability to Self-validate while still being in a relationship. Self esteem will be generated by her behaviors rather than the approval or validation from others.Finally, time and energy spent on preoccupation and control of the addict can be used to attend to emotional support for the children, to recommit to and obtain increased satisfaction from work, to meet new people, and to develop new recreational activities.· How can I possibly forgive him?Despite the fact that it may seem impossible, forgiveness is a critical part of recovery for the partner of a sex addict. To forgive is not to forget. Forgiving means being able to remember the past without experiencing the pain all over again. It is remembering — but attaching different feelings about the events, and it is a willingness to allow the pain to have decreased relevance over time. Understanding the pain, compulsion and despair that the sex addict has undergone from sexual compulsion can open avenues to compassion.To forgive is important primarily for oneself, not for the person one forgives. The opposite of forgiveness is resentment. When we resent, we experience the pain and anger all over again. Serenity and resentment cannot coexist.The process of forgiveness begins with acknowledging that a wrong has been done to you. You have to recognize that you have strong feelings about what happened and you need to feel and process those feelings. You are entitled to be angry or hurt. Ideally, you can share those feelings with the person who has hurt you in couples counseling. If that is not possible, then you can share the feelings with your therapist or support group. After that, you can choose whether to stay in a relationship with that person. In either case, forgiveness does not imply permission to continue hurtful behaviors. As part of your own treatment, you need to decide which behaviors you can accept in your relationships and which you cannot.The primary goal of forgiveness is to heal yourself. In a partnership affected by sexual addiction, forgiveness is aided by evidence of the partner’s changed behavior and commitment to treatment. These are also elements in rebuilding trust. For many couples, forgiving and learning to trust again go hand in hand. Both take time, making amends, continued treatment and steady, continual, trustworthy behavior on the part of the addict.After the acting out has stopped, it’s critical to not use his past behavior as a “hook” to punish or manipulate him. When a desire for revenge exists, you have not forgiven, and you see him in one dimension (“Bastard”). The capacity to see him as a whole person (he’s not just a sex addict, he’s many things) will help you move forward. Couples therapy will help you move toward a sense of him as a multidimensional person with on-going issues.· I’m incredibly frustrated that he/she won’t tell the truth. Even when I present “evidence”, he denies his sexual acting out. How can I ever trust a man who so blatantly lies to me?Sex addiction thrives in secrecy. Addicts will go to any length to protect their double life. Denial, (“Don’t Even Know I’m Lying”) plays a huge part in any addiction process. The reality of the acting out is protected from the conscious mind. If the addict is unaware of the truth, how can he tell you?The very thinking process of the addict becomes impaired as he becomes immersed in the denial process, giving way to the minimization of the extent of his behavior. This connects with “rationalization”: i.e. “I’m not really cheating” – “All guys do this” – “I’m not hurting anyone” – “I work hard so I deserve some pleasure.” This combination of denial, minimization and rationalization makes it extremely difficult for him to know the truth.More complexing is the phenomenon of “dissociation”, or “The Dr. Jekyll and Mr. Hyde” syndrome. Dissociation is a clinical process that characterizes multiple personality disorder. While I’m not saying the sex addicts have MPD, I am suggesting that some of the same characteristics of that disorder are shared. One side of the personality protects the other side from the truth. Some level of dissociation is in every man who has a “double life”. Each side of the personality has different values, goals, beliefs and needs that conflict with the other side.This is why, when the sexual acting out is finished, the addict feels so distressed and shameful. Mr. Hyde does the acting out and Dr. Jekyll experiences the remorse.When the addict is acting out, he has feelings of being disconnected from himself and his environment. Clients speak of “the bubble”, the “erotic haze”, “zoning out”, and “feeling apart from myself and watching myself from afar “, of feeling “foggy” or “not feeling like a real person” Losing track of time is common as is feeling outside oneself as both an observer and a participant. Emotions are numbed; the fantasy creates an alternate reality which obscures the truth of “what is”.Once in therapy, a primary issue that arises is a feeling of a fragmented sense of self or being unsure of his identity. Therapy will help him get to the bottom of hidden parts of himself that he may not have fully understood or been able to control until treatment starts to work. Only by getting in touch with hidden parts of himself will the full realization of his talents and strengths be realized and fulfillment in his personal relationships can begin to unfold.· I don’t see how our relationship can survive the emotional pain and chaos of his sexual addiction. Have other couples been able to work through these issues? How have they done it?When at least one member of a couple is sexually addicted, restoring trust and building intimacy can be very difficult. These couples must work as hard on their recovery together as a couple as they do on their individual recoveries.One of the great challenges to recovery from sexual compulsivity is restoring or building an intimate relationship with a committed partner. Many existing relationships are seriously impaired and often don’t survive because of sexual acting out. The partner of the sex addict’s ability to trust is obviously damaged. The psychodynamic and behavioral issues underlying sexual addiction contribute to obstacles to overcoming and building intimate and committed relationships.The good news is that we have seen from our experience that not only is it possible to repair, rebuild, or newly build a committed relationship, but the level of emotional and physical intimacy that comes from working on these issues together is sustaining, gratifying and growth-producing for each member of the couple.· How can couples counseling help us?Most couples who come for couples therapy after discovery are in a high state of reactivity, with communication being limited to blame/defense. There is a high degree of projection (seeing the things you like least about yourself in your partner) and a small degree of self-focus. The tendency is to react immediately and emotionally, with no time given for reflective thinking. One task of the therapist is to create a safe, non-volatile space by gradually guiding each person to commit to self-focus which reduces blame and defense.The therapist will do some psychoeducational pieces on sex addiction and co-addiction to normalize each person’s feelings and further reduce blame. Nothing can be done about the quality of the marriage unless each person commits to a personal program of recovery: an “S” meeting for the addict, and COSA or S-Anon for the co-addict. The couple can come out of the shadow of shame about living with sex addiction through identifying with others who have gone through similar experiences. Here, finally, they find people they can talk to about what they’ve been hiding from family and friends. Regular attendance at meetings gives structure and accountability to the life of the sex addict. A co-addict who works on the steps with a trusted sponsor is renewing her commitment to focus on herself and her own issues, renouncing her focus and pre-occupation with the addict.Sex addicts and sexual codependents usually have never experienced healthy bonding with and nurturing from their parents. This impairs their ability to have successful bonding and separation in subsequent relationships in adult life. The therapist might construct a “genogram” which is a graphic depiction of three generations of each person’s family. It shows psychiatric and physical problems throughout the generations such as alcoholism, divorce, hospitalizations,etc. The genogram also reveals the quality of family relationships, indicating where there was enmeshment and where there was distancing. With a clear understanding of family-of-origin issues, the couple can understand themselves and each other and develop awareness of what triggers are coming from the past.Couples counseling enables the couple to reach a point of mutual interdependence in which both partners have lives outside of the relationship, but also feel committed to it. The partners need each other, but are comfortable with independent lives of their own. Over time, each develops a new sense of “Self”-in relationship.Both members of the relationship are encouraged to accept mutual responsibility for the dysfunction in the relationship. As long as one partner is blaming the other for all of their couple problems, progress will be slow. Recounting the history of the relationship will be a part of this process. How have each other’s addictions and co-addictions affected the relationship? What consequences have been experienced? What strategies have the partners tried to heal themselves that haven’t worked? What are the repetitive arguments and fights? What is the nature of the collective shame in the relationship? How does each partner trigger the other’s issues?Each individual in the couple learns how to exchange instant gratification for the joy of ongoing intimacy. Sexual addict/codependents find that this intimacy and the trust, mutual understanding, and the emotional/spiritual/physical closeness it creates from having done the work can be qualities that few couples ever experience.

Take Charge at Telecommunications Schools

October 8, 2016

Instead of taking off work to wait for the phantom cable guy, or pleading with your Internet Service Provider to change your fiber-optic cables back to copper so you can get DSL service, why not take your telecommunication experience into your own hands? Telecommunications schools can show you how.Your FieldIn a world where families and businesses are spread across the globe, telecommunication (communication at a distance) is no longer a luxury — it’s a necessity. Where would you be without your cell phone? Or your BlackBerry? Or your TiVo? All of these are facets of a telecommunication career, which encompasses voice, video, and Internet communication services.In your telecommunication career, you’ll be entering an ever-evolving industry that is continually introducing new technologies and services. Fiber-optic networks bring lightning-speed communications to residential customers. Wireless providers are increasing the capacity of their radio networks and introducing improved portable devices that transmit voice, data, e-mail, and video. And, some wireless phones now use VoIP (Voice over Internet Protocol) technology to make phone calls through local wireless Internet networks.

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Your TrainingThat’s why, if you want to succeed in this competitive industry, you’ll need postsecondary training from telecommunications schools. There, you can acquire the knowledge and skills you need in computer programming and software design; voice telephone technology (telephony); laser and fiber-optic technology; wireless technology; and data compression.The good news for graduates of telecommunications schools is that steady employment is available in almost every community. According to the U.S. Bureau of Labor Statistics (BLS), the telecommunication industry provided one million wage and salary jobs in 2004.Your CareerWhat exactly will you be doing in your telecommunication career? Fifty-five percent of all telecommunication workers are employed in administrative support occupations or installation, maintenance, and repair occupations.Here’s a telecommunication career overview: Telecommunication craftworkers install, repair, and maintain telephone equipment, cables and access lines, and telecommunications systems. Line installers and repairers connect central offices to customers’ buildings. Telecommunication equipment installers and repairers install, repair, and maintain complex communications equipment and cables. Cable installers travel to customers’ locations to set up pay television service so customers can receive programming. Telephone operators make telephone connections, assist customers with specialized services, provide telephone numbers, and may provide emergency assistance. And customer service representatives help customers understand all the services offered by telecommunication providers.

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Graduates of telecommunications schools can expect to be well-compensated for their efforts. According to the BLS, average weekly earnings of nonsupervisory workers in the telecommunication industry were $853 in 2004, significantly higher than average earnings of $529 in private industry.Quit waiting for the elusive cable guy, and boost your career competence at telecommunications schools today.

Insurance Law – An Indian Perspective

October 25, 2016

INTRODUCTION”Insurance should be bought to protect you against a calamity that would otherwise be financially devastating.”In simple terms, insurance allows someone who suffers a loss or accident to be compensated for the effects of their misfortune. It lets you protect yourself against everyday risks to your health, home and financial situation.Insurance in India started without any regulation in the Nineteenth Century. It was a typical story of a colonial epoch: few British insurance companies dominating the market serving mostly large urban centers. After the independence, it took a theatrical turn. Insurance was nationalized. First, the life insurance companies were nationalized in 1956, and then the general insurance business was nationalized in 1972. It was only in 1999 that the private insurance companies have been allowed back into the business of insurance with a maximum of 26% of foreign holding.”The insurance industry is enormous and can be quite intimidating. Insurance is being sold for almost anything and everything you can imagine. Determining what’s right for you can be a very daunting task.”Concepts of insurance have been extended beyond the coverage of tangible asset. Now the risk of losses due to sudden changes in currency exchange rates, political disturbance, negligence and liability for the damages can also be covered.But if a person thoughtfully invests in insurance for his property prior to any unexpected contingency then he will be suitably compensated for his loss as soon as the extent of damage is ascertained.The entry of the State Bank of India with its proposal of bank assurance brings a new dynamics in the game. The collective experience of the other countries in Asia has already deregulated their markets and has allowed foreign companies to participate. If the experience of the other countries is any guide, the dominance of the Life Insurance Corporation and the General Insurance Corporation is not going to disappear any time soon.
The aim of all insurance is to compensate the owner against loss arising from a variety of risks, which he anticipates, to his life, property and business. Insurance is mainly of two types: life insurance and general insurance. General insurance means Fire, Marine and Miscellaneous insurance which includes insurance against burglary or theft, fidelity guarantee, insurance for employer’s liability, and insurance of motor vehicles, livestock and crops.LIFE INSURANCE IN INDIA”Life insurance is the heartfelt love letter ever written.It calms down the crying of a hungry baby at night. It relieves the heart of a bereaved widow.It is the comforting whisper in the dark silent hours of the night.”Life insurance made its debut in India well over 100 years ago. Its salient features are not as widely understood in our country as they ought to be. There is no statutory definition of life insurance, but it has been defined as a contract of insurance whereby the insured agrees to pay certain sums called premiums, at specified time, and in consideration thereof the insurer agreed to pay certain sums of money on certain condition sand in specified way upon happening of a particular event contingent upon the duration of human life.Life insurance is superior to other forms of savings!”There is no death. Life Insurance exalts life and defeats death.It is the premium we pay for the freedom of living after death.”Savings through life insurance guarantee full protection against risk of death of the saver. In life insurance, on death, the full sum assured is payable (with bonuses wherever applicable) whereas in other savings schemes, only the amount saved (with interest) is payable.The essential features of life insurance are a) it is a contract relating to human life, which b) provides for payment of lump-sum amount, and c) the amount is paid after the expiry of certain period or on the death of the assured. The very purpose and object of the assured in taking policies from life insurance companies is to safeguard the interest of his dependents viz., wife and children as the case may be, in the even of premature death of the assured as a result of the happening in any contingency. A life insurance policy is also generally accepted as security for even a commercial loan.NON-LIFE INSURANCE”Every asset has a value and the business of general insurance is related to the protection of economic value of assets.”Non-life insurance means insurance other than life insurance such as fire, marine, accident, medical, motor vehicle and household insurance. Assets would have been created through the efforts of owner, which can be in the form of building, vehicles, machinery and other tangible properties. Since tangible property has a physical shape and consistency, it is subject to many risks ranging from fire, allied perils to theft and robbery.
Few of the General Insurance policies are:Property Insurance: The home is most valued possession. The policy is designed to cover the various risks under a single policy. It provides protection for property and interest of the insured and family.Health Insurance: It provides cover, which takes care of medical expenses following hospitalization from sudden illness or accident.
Personal Accident Insurance: This insurance policy provides compensation for loss of life or injury (partial or permanent) caused by an accident. This includes reimbursement of cost of treatment and the use of hospital facilities for the treatment.Travel Insurance: The policy covers the insured against various eventualities while traveling abroad. It covers the insured against personal accident, medical expenses and repatriation, loss of checked baggage, passport etc.Liability Insurance: This policy indemnifies the Directors or Officers or other professionals against loss arising from claims made against them by reason of any wrongful Act in their Official capacity.Motor Insurance: Motor Vehicles Act states that every motor vehicle plying on the road has to be insured, with at least Liability only policy. There are two types of policy one covering the act of liability, while other covers insurers all liability and damage caused to one’s vehicles.JOURNEY FROM AN INFANT TO ADOLESCENCE!Historical PerspectiveThe history of life insurance in India dates back to 1818 when it was conceived as a means to provide for English Widows. Interestingly in those days a higher premium was charged for Indian lives than the non-Indian lives as Indian lives were considered more risky for coverage.

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The Bombay Mutual Life Insurance Society started its business in 1870. It was the first company to charge same premium for both Indian and non-Indian lives. The Oriental Assurance Company was established in 1880. The General insurance business in India, on the other hand, can trace its roots to the Triton (Tital) Insurance Company Limited, the first general insurance company established in the year 1850 in Calcutta by the British. Till the end of nineteenth century insurance business was almost entirely in the hands of overseas companies.Insurance regulation formally began in India with the passing of the Life Insurance Companies Act of 1912 and the Provident Fund Act of 1912. Several frauds during 20′s and 30′s desecrated insurance business in India. By 1938 there were 176 insurance companies. The first comprehensive legislation was introduced with the Insurance Act of 1938 that provided strict State Control over insurance business. The insurance business grew at a faster pace after independence. Indian companies strengthened their hold on this business but despite the growth that was witnessed, insurance remained an urban phenomenon.The Government of India in 1956, brought together over 240 private life insurers and provident societies under one nationalized monopoly corporation and Life Insurance Corporation (LIC) was born. Nationalization was justified on the grounds that it would create much needed funds for rapid industrialization. This was in conformity with the Government’s chosen path of State lead planning and development.The (non-life) insurance business continued to prosper with the private sector till 1972. Their operations were restricted to organized trade and industry in large cities. The general insurance industry was nationalized in 1972. With this, nearly 107 insurers were amalgamated and grouped into four companies – National Insurance Company, New India Assurance Company, Oriental Insurance Company and United India Insurance Company. These were subsidiaries of the General Insurance Company (GIC).The life insurance industry was nationalized under the Life Insurance Corporation (LIC) Act of India. In some ways, the LIC has become very flourishing. Regardless of being a monopoly, it has some 60-70 million policyholders. Given that the Indian middle-class is around 250-300 million, the LIC has managed to capture some 30 odd percent of it. Around 48% of the customers of the LIC are from rural and semi-urban areas. This probably would not have happened had the charter of the LIC not specifically set out the goal of serving the rural areas. A high saving rate in India is one of the exogenous factors that have helped the LIC to grow rapidly in recent years. Despite the saving rate being high in India (compared with other countries with a similar level of development), Indians display high degree of risk aversion. Thus, nearly half of the investments are in physical assets (like property and gold). Around twenty three percent are in (low yielding but safe) bank deposits. In addition, some 1.3 percent of the GDP are in life insurance related savings vehicles. This figure has doubled between 1985 and 1995.A World viewpoint – Life Insurance in IndiaIn many countries, insurance has been a form of savings. In many developed countries, a significant fraction of domestic saving is in the form of donation insurance plans. This is not surprising. The prominence of some developing countries is more surprising. For example, South Africa features at the number two spot. India is nestled between Chile and Italy. This is even more surprising given the levels of economic development in Chile and Italy. Thus, we can conclude that there is an insurance culture in India despite a low per capita income. This promises well for future growth. Specifically, when the income level improves, insurance (especially life) is likely to grow rapidly.INSURANCE SECTOR REFORM:Committee Reports: One Known, One Anonymous!Although Indian markets were privatized and opened up to foreign companies in a number of sectors in 1991, insurance remained out of bounds on both counts. The government wanted to proceed with caution. With pressure from the opposition, the government (at the time, dominated by the Congress Party) decided to set up a committee headed by Mr. R. N. Malhotra (the then Governor of the Reserve Bank of India).Malhotra CommitteeLiberalization of the Indian insurance market was suggested in a report released in 1994 by the Malhotra Committee, indicating that the market should be opened to private-sector competition, and eventually, foreign private-sector competition. It also investigated the level of satisfaction of the customers of the LIC. Inquisitively, the level of customer satisfaction seemed to be high.In 1993, Malhotra Committee – headed by former Finance Secretary and RBI Governor Mr. R. N. Malhotra – was formed to evaluate the Indian insurance industry and recommend its future course. The Malhotra committee was set up with the aim of complementing the reforms initiated in the financial sector. The reforms were aimed at creating a more efficient and competitive financial system suitable for the needs of the economy keeping in mind the structural changes presently happening and recognizing that insurance is an important part of the overall financial system where it was necessary to address the need for similar reforms. In 1994, the committee submitted the report and some of the key recommendations included:o StructureGovernment bet in the insurance Companies to be brought down to 50%. Government should take over the holdings of GIC and its subsidiaries so that these subsidiaries can act as independent corporations. All the insurance companies should be given greater freedom to operate.
CompetitionPrivate Companies with a minimum paid up capital of Rs.1 billion should be allowed to enter the sector. No Company should deal in both Life and General Insurance through a single entity. Foreign companies may be allowed to enter the industry in collaboration with the domestic companies. Postal Life Insurance should be allowed to operate in the rural market. Only one State Level Life Insurance Company should be allowed to operate in each state.o Regulatory BodyThe Insurance Act should be changed. An Insurance Regulatory body should be set up. Controller of Insurance – a part of the Finance Ministry- should be made Independent.o InvestmentsCompulsory Investments of LIC Life Fund in government securities to be reduced from 75% to 50%. GIC and its subsidiaries are not to hold more than 5% in any company (there current holdings to be brought down to this level over a period of time).o Customer ServiceLIC should pay interest on delays in payments beyond 30 days. Insurance companies must be encouraged to set up unit linked pension plans. Computerization of operations and updating of technology to be carried out in the insurance industry. The committee accentuated that in order to improve the customer services and increase the coverage of insurance policies, industry should be opened up to competition. But at the same time, the committee felt the need to exercise caution as any failure on the part of new competitors could ruin the public confidence in the industry. Hence, it was decided to allow competition in a limited way by stipulating the minimum capital requirement of Rs.100 crores.The committee felt the need to provide greater autonomy to insurance companies in order to improve their performance and enable them to act as independent companies with economic motives. For this purpose, it had proposed setting up an independent regulatory body – The Insurance Regulatory and Development Authority.Reforms in the Insurance sector were initiated with the passage of the IRDA Bill in Parliament in December 1999. The IRDA since its incorporation as a statutory body in April 2000 has meticulously stuck to its schedule of framing regulations and registering the private sector insurance companies.Since being set up as an independent statutory body the IRDA has put in a framework of globally compatible regulations. The other decision taken at the same time to provide the supporting systems to the insurance sector and in particular the life insurance companies was the launch of the IRDA online service for issue and renewal of licenses to agents. The approval of institutions for imparting training to agents has also ensured that the insurance companies would have a trained workforce of insurance agents in place to sell their products.The Government of India liberalized the insurance sector in March 2000 with the passage of the Insurance Regulatory and Development Authority (IRDA) Bill, lifting all entry restrictions for private players and allowing foreign players to enter the market with some limits on direct foreign ownership. Under the current guidelines, there is a 26 percent equity lid for foreign partners in an insurance company. There is a proposal to increase this limit to 49 percent.The opening up of the sector is likely to lead to greater spread and deepening of insurance in India and this may also include restructuring and revitalizing of the public sector companies. In the private sector 12 life insurance and 8 general insurance companies have been registered. A host of private Insurance companies operating in both life and non-life segments have started selling their insurance policies since 2001Mukherjee CommitteeImmediately after the publication of the Malhotra Committee Report, a new committee, Mukherjee Committee was set up to make concrete plans for the requirements of the newly formed insurance companies. Recommendations of the Mukherjee Committee were never disclosed to the public. But, from the information that filtered out it became clear that the committee recommended the inclusion of certain ratios in insurance company balance sheets to ensure transparency in accounting. But the Finance Minister objected to it and it was argued by him, probably on the advice of some of the potential competitors, that it could affect the prospects of a developing insurance company.LAW COMMISSION OF INDIA ON REVISION OF THE INSURANCE ACT 1938 – 190th Law Commission ReportThe Law Commission on 16th June 2003 released a Consultation Paper on the Revision of the Insurance Act, 1938. The previous exercise to amend the Insurance Act, 1938 was undertaken in 1999 at the time of enactment of the Insurance Regulatory Development Authority Act, 1999 (IRDA Act).The Commission undertook the present exercise in the context of the changed policy that has permitted private insurance companies both in the life and non-life sectors. A need has been felt to toughen the regulatory mechanism even while streamlining the existing legislation with a view to removing portions that have become superfluous as a consequence of the recent changes.Among the major areas of changes, the Consultation paper suggested the following:a. merging of the provisions of the IRDA Act with the Insurance Act to avoid multiplicity of legislations;b. deletion of redundant and transitory provisions in the Insurance Act, 1938;c. Amendments reflect the changed policy of permitting private insurance companies and strengthening the regulatory mechanism;d. Providing for stringent norms regarding maintenance of ‘solvency margin’ and investments by both public sector and private sector insurance companies;e. Providing for a full-fledged grievance redressal mechanism that includes:o The constitution of Grievance Redressal Authorities (GRAs) comprising one judicial and two technical members to deal with complaints/claims of policyholders against insurers (the GRAs are expected to replace the present system of insurer appointed Ombudsman);o Appointment of adjudicating officers by the IRDA to determine and levy penalties on defaulting insurers, insurance intermediaries and insurance agents;o Providing for an appeal against the decisions of the IRDA, GRAs and adjudicating officers to an Insurance Appellate Tribunal (IAT) comprising a judge (sitting or retired) of the Supreme Court/Chief Justice of a High Court as presiding officer and two other members having sufficient experience in insurance matters;o Providing for a statutory appeal to the Supreme Court against the decisions of the IAT.LIFE & NON-LIFE INSURANCE – Development and Growth!The year 2006 turned out to be a momentous year for the insurance sector as regulator the Insurance Regulatory Development Authority Act, laid the foundation for free pricing general insurance from 2007, while many companies announced plans to attack into the sector.Both domestic and foreign players robustly pursued their long-pending demand for increasing the FDI limit from 26 per cent to 49 per cent and toward the fag end of the year, the Government sent the Comprehensive Insurance Bill to Group of Ministers for consideration amid strong reservation from Left parties. The Bill is likely to be taken up in the Budget session of Parliament.The infiltration rates of health and other non-life insurances in India are well below the international level. These facts indicate immense growth potential of the insurance sector. The hike in FDI limit to 49 per cent was proposed by the Government last year. This has not been operationalized as legislative changes are required for such hike. Since opening up of the insurance sector in 1999, foreign investments of Rs. 8.7 billion have tipped into the Indian market and 21 private companies have been granted licenses.

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The involvement of the private insurers in various industry segments has increased on account of both their capturing a part of the business which was earlier underwritten by the public sector insurers and also creating additional business boulevards. To this effect, the public sector insurers have been unable to draw upon their inherent strengths to capture additional premium. Of the growth in premium in 2004-05, 66.27 per cent has been captured by the private insurers despite having 20 per cent market share.The life insurance industry recorded a premium income of Rs.82854.80 crore during the financial year 2004-05 as against Rs.66653.75 crore in the previous financial year, recording a growth of 24.31 per cent. The contribution of first year premium, single premium and renewal premium to the total premium was Rs.15881.33 crore (19.16 per cent); Rs.10336.30 crore (12.47 per cent); and Rs.56637.16 crore (68.36 per cent), respectively. In the year 2000-01, when the industry was opened up to the private players, the life insurance premium was Rs.34,898.48 crore which constituted of Rs. 6996.95 crore of first year premium, Rs. 25191.07 crore of renewal premium and Rs. 2740.45 crore of single premium. Post opening up, single premium had declined from Rs.9, 194.07 crore in the year 2001-02 to Rs.5674.14 crore in 2002-03 with the withdrawal of the guaranteed return policies. Though it went up marginally in 2003-04 to Rs.5936.50 crore (4.62 per cent growth) 2004-05, however, witnessed a significant shift with the single premium income rising to Rs. 10336.30 crore showing 74.11 per cent growth over 2003-04.The size of life insurance market increased on the strength of growth in the economy and concomitant increase in per capita income. This resulted in a favourable growth in total premium both for LIC (18.25 per cent) and to the new insurers (147.65 per cent) in 2004-05. The higher growth for the new insurers is to be viewed in the context of a low base in 2003- 04. However, the new insurers have improved their market share from 4.68 in 2003-04 to 9.33 in 2004-05.The segment wise break up of fire, marine and miscellaneous segments in case of the public sector insurers was Rs.2411.38 crore, Rs.982.99 crore and Rs.10578.59 crore, i.e., a growth of (-)1.43 per cent, 1.81 per cent and 6.58 per cent. The public sector insurers reported growth in Motor and Health segments (9 and 24 per cent). These segments accounted for 45 and 10 per cent of the business underwritten by the public sector insurers. Fire and “Others” accounted for 17.26 and 11 per cent of the premium underwritten. Aviation, Liability, “Others” and Fire recorded negative growth of 29, 21, 3.58 and 1.43 per cent. In no other country that opened at the same time as India have foreign companies been able to grab a 22 per cent market share in the life segment and about 20 per cent in the general insurance segment. The share of foreign insurers in other competing Asian markets is not more than 5 to 10 per cent.The life insurance sector grew new premium at a rate not seen before while the general insurance sector grew at a faster rate. Two new players entered into life insurance – Shriram Life and Bharti Axa Life – taking the total number of life players to 16. There was one new entrant to the non-life sector in the form of a standalone health insurance company – Star Health and Allied Insurance, taking the non-life players to 14.A large number of companies, mostly nationalized banks (about 14) such as Bank of India and Punjab National Bank, have announced plans to enter the insurance sector and some of them have also formed joint ventures.The proposed change in FDI cap is part of the comprehensive amendments to insurance laws – The Insurance Act of 1999, LIC Act, 1956 and IRDA Act, 1999. After the proposed amendments in the insurance laws LIC would be able to maintain reserves while insurance companies would be able to raise resources other than equity.About 14 banks are in queue to enter insurance sector and the year 2006 saw several joint venture announcements while others scout partners. Bank of India has teamed up with Union Bank and Japanese insurance major Dai-ichi Mutual Life while PNB tied up with Vijaya Bank and Principal for foraying into life insurance. Allahabad Bank, Karnataka Bank, Indian Overseas Bank, Dabur Investment Corporation and Sompo Japan Insurance Inc have tied up for forming a non-life insurance company while Bank of Maharashtra has tied up with Shriram Group and South Africa’s Sanlam group for non-life insurance venture.CONCLUSIONIt seems cynical that the LIC and the GIC will wither and die within the next decade or two. The IRDA has taken “at a snail’s pace” approach. It has been very cautious in granting licenses. It has set up fairly strict standards for all aspects of the insurance business (with the probable exception of the disclosure requirements). The regulators always walk a fine line. Too many regulations kill the motivation of the newcomers; too relaxed regulations may induce failure and fraud that led to nationalization in the first place. India is not unique among the developing countries where the insurance business has been opened up to foreign competitors.The insurance business is at a critical stage in India. Over the next couple of decades we are likely to witness high growth in the insurance sector for two reasons namely; financial deregulation always speeds up the development of the insurance sector and growth in per capita GDP also helps the insurance business to grow.

7 Reasons Why People Buy Darjeeling Tea Online

October 11, 2016

Darjeeling tea is loved around the world, and is grown in the aromatic tea region of the beautiful Himalayan mountain range in the city of Darjeeling. There are various types of blend of this tea, such as Green, Black, White and Oolong. The Darjeeling blends happen to be the favorite of everyone, due to their freshness, attractive aroma and light color. Makers of Darjeeling tea take a lot of care to preserve the amazing features of the blends of the area. Find out about the 7 main reasons why people love to buy Darjeeling tea online.1) Wow-worthy tasteThe fine taste of Darjeeling tea is the first thing that attracts so many tea drinkers to it. It tastes much like Muscat wine, and this is the reason why it is called the “Champagne of teas”. The blend has a fruity flavor and its musky, sweet notes make it one of a kind. These teas are available in different varieties, with floral sweet taste as well as a little astringent taste.

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2) Weight control benefitsTea from Darjeeling tea estates is a rich source of caffeine, which can prevent additional weight gain. The substance accelerates the metabolic rate and further increases the effectiveness of exercises. Any individual who wants to control his or her weight can benefit from the consumption of this type of beverage.3) Stress relieving propertiesThis kind of tea happens to be packed with catechins, a type of antioxidant and natural phenol that can improve blood pressure and offer relief from stress as well. These complex organic molecules can help reduce pain sensations. Regular consumption of the tea is important for people who would like to de-stress themselves amid the hectic activities of daily life.4) Preventing gastric disorderDarjeeling tea also helps improve gastric health. It can help heal gastric cancer as well as prevent the development of stomach ulcers. The brew reduces the proliferation of the bacteria known as Helicobacter Pylori, which can cause severe ulcers in the stomach. This kind of brew has plenty of health benefits, and tea traders in Darjeeling attempt to maintain the quality of various varieties.5) Making the immune system strongerDarjeeling tea is also extremely effective in improving the natural immunity. People who tend to catch cold or flu easily should consume at least 1 cup of Darjeeling brew on a daily basis. The tea contains a type of enzyme known as Theanine, which can improve the ability of the body to combat infections.

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6) Enhancing tooth healthOrganic Darjeeling tea, particularly of the black variety, can prevent the decay of tooth and reduce the formation of cavity. Daily intake of this tea blends can prevent the decay of tooth. Some studies indicate that the intake can help destroy cancer-causing organisms and help prevent oral cancer and other cancerous conditions.7) Preventing viral infectionsRecent research indicates that the consumption of black tea can eliminate germs, such as those that cause skin infections, cystitis, pneumonia, herpes and diarrhea. Some studies show that drinking black tea can neutralize viruses in the mouth.

Still More Anomalies: Another Top Baker’s Dozen

August 27, 2016

You may not be happy with the world as it is, but at least it’s orderly and makes logical sense. Walk, don’t walk, green yellow red; money trickles in, money flows out; friends and politicians come and go, enemies and stuff accumulate; the sun rises and sets, the moon waxes and wanes; people are born, people die; the days, weeks, months, seasons. and years come and go with regularity. But dig a bit deeper beneath the surface and the world and the cosmos it inhabits, is one anomalous place.THE BIG BANG EVENT: This is no doubt a concept that nearly everyone has heard about, and swallowed hook, line and cosmological sinker because scientists present this creation of the Universe scenario as fact. It’s not fact; just the most viable theory of many theories and it has serious flaws. The accepted theoretical account of the creation or event that kick-started our Universe off not only has that event a something that created all of matter and energy, but all of time and space as well, and this creation event, to boot, all took place in a volume less than that of a pinhead (something in the realm of the quantum) and for no apparent reason at all. First there was nothing; then there was something. Wow!At best observations that support this are indirect being made some 13.7 billion years after-the-fact. Those indirect observations that provide evidence for the Big Bang event are the fact that the Universe is expanding; the Universe has a temperature – the remnants from the hot Big Bang called the cosmic microwave background radiation (CMBR) and the amounts and ratio of hydrogen to helium. In reality there are no direct observations as nobody was present at Ground Zero all those billions of years ago.There are really a couple of anomalies present in the standard Big Bang account. 1) You have a violation of causality – something (space, time, matter and energy) created from nothing which is a violation of several conservation laws or relationships. 2) You have a violation of pure common sense that tells you that you can not stuff the contents of the entire Universe into the realm of the quantum, something actually way less in volume in fact than a pinhead. If that’s not anomalous, I don’t know what is!SPEED OF LIGHT: The anomaly here is that in any other scenario, velocities can be added and subtracted, except the velocity that’s known as the speed of light. Within Relativity Theory, if there is anything unintuitive it is the fact that in the entire Universe, it is the speed of light alone that is absolute or fixed, not something like space or time. It’s unintuitive in that all other bits and pieces that are in motion can be added or subtracted. So, if you are in a train that is moving at say 100 km/hour and you throw a ball at 10 km/hour in the direction at which the train is moving, to an observer outside the train, your ball is traveling at 110 km/hour. If you throw the ball towards the rear of the train, an outside observer will measure the ball as moving at 90 km/hour. If on the other hand, you shine a flashlight in the train, an outside observer will see the velocity of the resulting light beam moving at the speed of light – not the speed of light PLUS the velocity of the train, or the speed of light MINUS the velocity of the train, but at the speed of light! That’s nuts, but it’s scientifically nuts and been proven again and again in any experiment you care to devise.QUANTUM GRAVITY AND THE THEORY OF EVERYTHING: We have the Theory of General Relativity (gravity) and Quantum Physics. Both are bedrocks of modern physics. Both are accurate to a high degree of experimental precision. Both aren’t compatible – with each other. Apparently, one (or both) of these theories must be wrong, or at best incomplete. That’s why the unification of the two (a theory of quantum gravity) is physics’ Holy Grail. However, that Holy Grail is proving as difficult to find as the Biblical Grail itself! But for the moment, it’s like the universe has two independent sets of laws – one governing the very large (gravity); one the very small (the quantum). This makes no natural or scientific sense.We have observations of four physical forces yet no theory which unites the three quantum forces (electromagnetism, the strong nuclear force and the weak nuclear force) with the one classical force – gravity. Theory needs to be satisfied. All of the four fundamental forces should be interconnected; some sort of unification principle must be in operation that relates all four, one to the other. However, these four fundamental forces that govern the Universe show no signs of any obvious unification – well actually the three quantum ones do (known as the GUT – Grand Unified Theory), but that’s where the unification ends. Gravity remains the wallflower. If the Big Bang theory is to be proven correct as stated, scientists must of necessity come up with a viable theory of quantum gravity that is an acceptable unification of the trio of quantum forces with gravity. There is, to date, no viable theory of quantum gravity despite thousands of physicists searching for one over many generations now. Mother Nature is an anomalous bitch!

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QUASARS: Quasars are ‘quasi-stellar objects’. They are ‘stellar’ because they aren’t all that large (like a galaxy). They are ‘quasi’ because they give off energy way, way, way more times greater than any star known in any astronomical catalogue. They seem to be primordial objects – they formed long ago and are now far away. Quasars, like stars or galaxies, are their own entities and if two or more show a very close and special causality relationships then they should show identical recessional velocities (since the Universe is expanding and they are part of the Universe and that expansion). Recessional velocities are measured by an object’s red-shift. Theory identifies red-shift with velocity. However, you apparently have some observations of causality connected quasar pairs with vastly differing red-shifts (measurements of their recessional velocities). The anomaly, in an analogy, is that you can not have a runner running at 15 miles per hour holding hands with another runner running at 3 miles per hour!MASS: There are three fundamental properties of particles (like the electron, neutrinos, the numerous quarks, etc.) and their anti-particles (like the positron). They are charge, spin and mass. As the song goes, two out of three ain’t bad, but that still leaves one out of three out of joint. In this case, it’s mass. Nobody can predict from first principles what the masses of the fundamental particles should be. That’s fairly disturbing for something as fundamental as mass. Despite the relatively large number of particles (including their equal and opposite anti-particles), there are only a few allowed values for charge and spin, values pretty much confined to the physics infield. But, for some reason, the mass (usually expressed in equivalent energy units – Einstein’s famous equation) of the various particles are not only scattered throughout the physics ballpark but are all over the city map and beyond. They take on values (albeit one value per type of particle) over many orders of magnitude without any apparent pattern or regularity or relationship between them – and nobody has the foggiest idea why, not a validly theoretical idea, or even a ‘far out’ idea. Why should mass differ so greatly from the other fundamental properties part and parcel of those elementary particles? It’s like someone just drew a few dozens of numbers out of a hat containing multi hundreds of thousands of values and assigned them to the few dozens of particles willy-nilly. Something is screwy somewhere because something so fundamental shouldn’t be so anomalous.PHYSICAL CONSTANTS: There are constant reports of physical constants that aren’t – constant that is. Physical constants are just that – a constant. They have just one value, everywhere, every-when, and no exceptions. But apparently some ‘constants’ have more than one value depending of where and/or when. Theory and observations (if correct) are yet again not in harmony and that’s totally nuts!TIME TRAVEL: Time travel to the past is a staple of science fiction, but surprisingly has actual viability in modern general relativity physics. In general relativity physics, time travel to the past is theoretically possible – though damned difficult in practice. However, that means that those time travel paradoxes are possible, even likely.The anomaly are those lovable paradoxes like going back in time, say ten years, and killing yourself (which is a novel way of committing suicide), which means you couldn’t have existed to go back in time in the first place in order to kill yourself, which means you’re not dead so you can go back in time and murder yourself, etc. What kind of physics is that?The second anomaly however is that no time travelers have been observed from our future. You would think various significant historical events would be swarming with historians and tourists from the future where time travel is possible. Nobody from our present or past has time traveled back in time and left a proof-positive calling card that we’ve ever found in the fossil record or recorded in the history books.If something is possible, especially something as interesting as time travel, we would expect to see either people from our future in the here and now, or evidence that we’ve traveled to the past, like finding a human skeleton buried inside a T-Rex skeleton, as in inside the area where the T-Rex’s abdominal cavity would be! We don’t.CATTLE MUTILATIONS: There’s no disputing the bona-fides of this gruesome reality. It has been observed – after-the-fact – photographed, documented, and investigated by all manner of officialdom, as well as unofficial private investigators. And though oft referred to as ‘cattle’ mutilations, all manner of wildlife and other domestic livestock have been targeted too, the first reported case being a horse. Like the crop circle phenomena, there are three possible explanations: natural, human or alien.If natural, why has this phenomenon only become an issue since the 1960′s? Predator-prey relationships, scavengers, etc. have existed and been observed ever since humans have inhabited the continents. There should be no anomaly here if animal mutilations are just the normal continuation of Mother Nature in tooth and claw. But there is an anomaly. If predators or scavengers, why are there no footprints, and especially if predators, why no signs of a struggle? How can predators account for precision removal of just certain body parts with razor sharp incisions? Since there’s no blood associated with the mutilated carcasses, did predators drink up their entire victim’s blood like an animal version of Dracula?If humans or cultists are responsible, why hasn’t anyone claimed responsibility? Why hasn’t anyone been caught, tried, convicted, fined and/or imprisoned for trespass, animal cruelty, destruction of private property, etc.? Why no signs of human activity like tire tracks and footprints and litter (say a cigarette butt or beer can or two). Again, why no signs of a struggle?Some have suggested this is the work of government, or government departments, taking samples to monitor for various bovine nasties, like diseases, or other types of contamination that could endanger human health if these livestock were consumed. Really! There are vastly easier ways of legally gathering up tissue samples than sneaking around in the dead of night and killing/mutilating animals for a few body parts.So of course it has to be extraterrestrials! How can aliens mutilate cattle (and other livestock and wildlife), decade after decade, without ever being seen? Why would aliens be interested in wildlife and livestock in the first damned place, or at least some of their highly selected body parts?HUMAN CULTURE & CIVILIZATION: There are two relatively unexplained turning points in the evolution of modern man when contrasted with our more primate-like ancestors. One is the acquisition of what we call culture. Culture (like art appreciation and abstract ideas like an afterlife) happened within a fairly narrow timeframe, roughly 50,000 years ago, wherever nomadic bands of hunter-gatherers gathered. Why the sudden transition? The second great leap forward, again, within a narrow timeframe, some 9000 years ago, was the transition from nomadic lifestyles to settlements – farming crops and herding now domesticated wildlife. Settlements rapidly became villages became towns became cities. While some nomadic hunter-gatherers still roamed the plains, like the Australian aboriginal, what was once that nomadic rule now became that exception to that rule. In both cases, culture and civilization, the observational evidence is rock-solid; theory can’t really explain the transition, or at least the relatively rapid transition, around the world, from the tried-and-true before-the-fact pre-cultural nomadic lifestyle to the unknown leap of an untested experiment with culture and settlements.ANCIENT EGYPT: LIGHTING THE PYRAMIDS, etc. We all are aware that many of the ancient Egyptian structures, like pyramids and the tombs in the Valley of the Kings, contain vast numbers of deep and twisting passageways inside. Many of those interiors have been elaborately decorated with all manner of paintings and carvings of hieroglyphs, etc. Whether or not the interiors were decorated, there must have been a requirement for lighting. There were no glass windows. There were no battery-operated torches or flashlights. There was no electric lighting back then, though of course that’s how these structures are illuminated today for tourists and/or archaeologists. Neither source of available luminescent technology back then really holds a candle as it were to how they could have been actually employed. The obvious sources were burning torches, oil lamps, candles, etc. Now you don’t really want to undertake construction, detailed painting or carving stone by candlelight. In any event there are no traces of soot residue on the walls and ceilings. The alternative method was to position bronze or copper mirrors that reflect sunlight onto another mirror which in turn reflected that light onto another mirror further inside the structure which in turn reflected the light it received onto the next mirror down the line, etc. The physics problem is that the original sunlight gets so diluted so quickly after just a couple of mirrors in, that it becomes an impractical ways and means. If you have to penetrate very far inside the structure, and some passageways are indeed, very, very far inside, lighting with mirrors fail. The anomaly is you need adequate lighting yet there’s no really adequate source.

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EXODUS, BOOK OF: There are multi-dozens of anomalies, things that just can’t be, reported in the Bible. Of all of these, the most anomalous is the Book of Exodus, because some of the events recorded there can be checked against another independent historical source. If the history in the Book of Exodus is found wanting, and it is, then if one holy book goes down the gurgler, then all the rest of the books are suspect too.The anomaly here is that the Book of Exodus features the land and peoples of ancient Egypt fairly prominently. A couple of key Biblical characters play leading roles there – Moses and Joseph – not to mention thousands of alleged Hebrew slaves. Nasty things happen to that land and those peoples like the ten plagues and the drowning of pharaoh’s army. The anomaly here is that you’d expect ancient Egyptian records to verify and collaborate and substantiate the Book of Exodus, but you don’t find anything of the sort. It’s as if the Biblical version took place in a parallel universe – or in the imagination of the all too human author.BIBLICAL MIRACLES: Then there’s this Biblical bit about Joshua commanding the sun to stand still (at least that’s the way I recall it). That’s a tall tale or myth but whatever, it can’t be a physical reality. But wait, there’s more! There’s Jonah and the whale; Eve’s creation from a rib; walking on the waters; the walls of Jericho tumbling down at the sound of no doubt out of tune trumpets or rams horns. In the Bible we have this tale of the multiplying of loaves and fishes out of virtually nothing.Miracles are part and parcel of any and all supernaturally based religions. Miracles of the supernatural kind (and that’s the only kind of miracle that counts here) violate one or more laws, principles or relationships established by science. There can be no such thing as a supernatural miracle in theory. However, there have been numerous reports of supernatural miracles.Reported events cannot violate the natural state of things. If they do violate that natural state of things, then they must be supernatural. There’s no known theory that can accommodate supernatural events. That’s part of the conflict between science and religion. The conflict is an anomaly.THE AFTERLIFE: A concept that closest to the hearts and minds of nearly all humans and human cultures past and present is what happens to us after we kick the bucket. The answer is we transcend into another life – an afterlife. Every culture, past and present, has an afterlife concept, a life after death concept, or some sort of an eternity or immortality worldview. Not all of the versions of the theoretical afterlife can be correct however. Idealistic theoretical expectations that when you die you won’t stay dead, versus practical reality that observations show that dead things stay dead, are indeed conflicting, therefore anomalous. However, nobody has ever come back from the dead to prove the reality of an afterlife to the satisfaction of any unbiased referee.From the examples above, I conclude that it almost seems as if someone (something) is ultimately responsible for our Universe, but he / she/ it / they didn’t quite think things through sufficiently. Methinks an all knowing, all powerful supernatural God type being wouldn’t have stuffed things up. So either the Universe is naturally stuffed up, or it was created stuffed up!

Employment Working From Home – The Good News and the Bad News

August 16, 2016

Employment working from home can cost you a fortune and incur massive risk, traditional business models have the person working from home become effectively employed by their own business and trading their hours for dollars. Risks include, large start up costs that may never be recouped, huge quantities of certain stock that may never be sold, debt (if you manage to obtain it) keeping your stress and risk levels high.Knowing this I spent a lot of my time reading books and searching for a way to achieve employment working from home. This is when I stumbled upon Rich Dad Poor Dad by Robert Kiyosaki. He explains a very important concept called the cash flow quadrant. It basically categorises people into 4 types: E – for employed, trading hours for dollars and having their big boss earn the real money, S – for self employed, a restaurant owner or even someone achieving employment working from home without a system that detaches themselves from the concept of hours worked equals dollars made, I – the investor who has large amounts of money which in turn makes them more money and finally B – for business, that is people who have a business system that works for them and has them earning residual income – that is income that continues to flow to us after we have stopped working.

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So how do we achieve this business system without having any huge risk, cash outlay or even initially having to quit our jobs? It is called network marketing. It allows you to achieve employment working from home with little cost and little time commitment. Let’s take an example. I go to the movies to see Inception or Avatar and I love the film. I then tell 5 of my friends how much I loved the film and they all go and see the film. Am I going to get paid for recommending the film to them? No. Network marketing however cuts out the middle men and allows you to recommend products and services to your friends and family and people you meet every day and get paid for it. Employment working from home can definitely be achieved here.

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Network marketing has really come of age and is recommended by Robert Kiyosaki, a world renowned financial expert, as the business of the 21st century. But even still, how do we know which company is the best? How do we know that our products will be loved and that we will be paid well for our efforts? Research! Renowned magazine Network Marketing Today every year gives out awards for the top network marketing companies helping people achieve employment working from home.

The Important Role Of Public Relations

October 24, 2016

Public relations is fundamentally the art and science of establishing relationships between an organization and its key audiences. Public relations plays a key role in helping business industries create strong relationships with customers.Public relations involves supervising and assessing public attitudes, and maintaining mutual relations and understanding between an organization and its public. The function of public relations is to improve channels of communication and to institute new ways of setting up a two-way flow of information and understanding.Public relations is effective in helping:* Corporations convey information about their products or services to potential customers* Corporations reach local government and legislators* Politicians attract votes and raise money, and craft their public image and legacy

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* Non-profit organizations, including schools, hospitals, social service agencies etc. boost support of their programs such as awareness programs, fund-raising programs, and to increase patronage of their servicesPublic relations in present times employs diverse techniques such as opinion polling and focus groups to evaluate public opinion, combined with a variety of high-tech techniques for distributing information on behalf of their clients, including the internet, satellite feeds, broadcast faxes, and database-driven phone banks.As public image is important to all organizations and prominent personalities the role of public relations specialist becomes pertinent in crisis situations. Public relations agencies provide important and timely transmission of information that helps save the face of the organization. In the words of the Public Relations Society of America (PRSA), “Public relations helps an organization and its public adopt mutually to one another.”Experienced public relations agencies have formulation press releases into which they can plug the company news, as well as a targeted list of publications for their industry. Truly good public relations agencies generally have a good working relationship with key reporters, boosting their chances of getting coverage. Some public relations agencies deal only with large, established clients, while smaller boutique public relations agencies specialize in certain areas.At present public relations as a career option exists in private companies or government institutions that actively market their product, service and facilities. Public relations training courses are widespread in educational institutions. According to the U.S. Bureau of Labor Statistics, there were 122,000 public relations specialists in the United States in 1998 and approximately 485,000 advertising, marketing, and public relations managers working in all industries.

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Most public relations practitioners are recruited from the ranks of journalism. Public relations officers are highly trained professionals with expertise and knowledge in many areas, for example shareholder management during a crisis, the evolving role of the in-house public relations professional, account management skills for public relations, an introduction to financial public relations, an introduction to consumer public relations, an introduction to public relations software etc.

Beauty and Botox – Face Forward Tips for 2006!

August 5, 2016

Did you know that BOTOX injections are one of the most popular procedures in cosmetic surgery today? In fact, Botox injections far out number breast augmentation and rhinoplasty (cosmetic surgery on the nose), as the most preferred aesthetic surgical procedure?As you may agree, in western culture attractiveness is closely wedded to youthfulness. The appearance of wrinkles on the face is a source of anxiety for millions of women and men.The search for a miracle drug to help us appear younger presently fuels a multi-billion dollar beauty and cosmetic industry.The related industries of weight loss and health are just as robust. There is stiff competition between beauty companies constantly trying to sell youth and beauty in a jar.If you have the money you can opt for the more invasive (and ostensibly more effective) procedures to help you look younger. This where BOTOX followed by its more permanent cousin, plastic surgery may fit the bill.A nutritious and balanced diet, accompanied by a rigorous exercise regimen can make your body look years younger. Unfortunately there’s no such workout to tighten your face.Your face starts reflecting the passage of time the soonest, and most visibly. Studies indicate wrinkles appear on our skin as early as the age of 27.

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If it is our face, which betrays our age the first, no wonder it the focus of so much anxiety. This is why we want age-defying intervention.BOTOX, as of now, appears to be the answer to some people’s prayers. Younger and firmer looks seem to be just a few small injections away.BOTOX is actually short for Botulinum Toxin Type A. It is a highly toxic substance and one of its milder side effects is food poisoning.It is actually a protein complex, which is produced by the bacteria Clostridium botulinum. What is used in cosmetic surgery is an injectible form of this toxin.This form of the toxin is purportedly sterilized and purified.Some consider BOTOX a poison. They feel this way because it is injected in small doses under the skin. It is reported to work by deadening the underlying muscle, preventing any further movement and thus smoothening out the skin.BOTOX is said to interfere between muscle and nerve interaction. Some feel small doses of this chemical effectively prevent the release of acetylcholine by the nerve cells.This neuro-chemical transfers signals to muscles, determining their contraction and relaxation. When injected into selected muscles, BOTOX stops them from contracting.Therefore, any present frown lines are ironed away. In fact, within a week they become almost invisible.In the April of the year 2002, the FDA approved the use of BOTOX injections as a treatment for the reduction of frown lines. Since then, it has come to be regarded as the fastest growing anti-aging cure in the country.Keep in mind that the FDA cautions against using Botox more than once in 3 months. Also it recommends that the lowest possible effective dose to be used in a session.There are other, more permanent, options available – if you are inclined towards cosmetic surgery. Procedures like an eyelid tuck (blepharoplasty) and a bow lift (also called a forehead lift) last about 30 to 90 minutes.They are outpatient operations, so you can leave for home the same day. Another option is the face lift (or rhytidectomy) – a slightly longer operation which can go on for 2 to 4 hours.Patients are advised to stay overnight at the clinic. Although none of these procedures can reduce wrinkles, they very distinctly tighten up a sagging face by literally cutting away any extra bits of facial skin. The recovery period can last from 7 days to a month depending upon the extent of the operation.

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However, at the end of it you may be rewarded with a much younger and firmer facial appearance.Given the risks associated with Botox facial treatments like Rejuvinol(TM) deserve a serious look. We have heard that Rejuvinol(TM) available from Amazon and www.BODeStore.com is a product that uses helps give a younger appearance by appearing to smoothing out wrinkles. It’s makers say that it contains the universally recognized Argireline® from Lipotec S.A. The active ingredient in Argireline® is acetyl hexapeptide 3 (AH3), a deep penetrating, powerful amino peptide that helps to relax the intensity and frequency of facial muscle contractions. It just may be a less expensive and invasive way to put your best face forward.Kamau Austin is a health and fitness enthusiast and advocate.He writes on a regular basis on timeless health and fitness tips at the Fit After Forty Blog. See more useful health and fitness news and tips at… http://www.healthandfitnessvitality.com/blogs/fitnessblog.htm

Selecting and Clearing Music For Radio Commercials

September 12, 2016

Proper music selection and proper music clearance for radio commercials is an important step in the radio advertising process. Whether you are a radio station, an ad agency, a voice-over talent, or an independent production company it is imperative that you do a good job choosing the right music for your spot, as well as getting the proper music clearance for your project. Royalty free music libraries are a great place to start, as they have many different styles of music that can be previewed online.Choosing the right song is typically the easy part. As you sit down to create your radio commercial, ask yourself the following question: “what is the mood that I need to support with my choice of music?” For example, if you are creating a public service announcement designed to tug at the heartstrings, your music choice should be emotional, mild, and slightly dramatic. On the other hand, if you are trying to sell the latest and greatest fitness equipment, you probably would want to steer the music toward some high energy, workout music. Ultimately, the music and the copy need to support each other. A radio commercial with well selected music can bring a far greater return than one that is put together without a lot of thought given to the production music.

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For most people, proper music clearance is a bit more complicated than selecting your music. For example, if a radio commercial is read as a “live spot” on the air, the station can use almost any music in the background that is covered by their ASCAP or BMI licenses. The key here is that the music is not repeated consistently, or used so frequently as to be construed as theme music for that particular radio commercial.On the contrary, most radio commercials are produced once for multiple broadcasts. Regardless of who is producing the radio commercial or where it is being produced, proper music clearance is a vital step in staying on the right side of the law. When you synchronize a piece of music with your commercial, you will need to get music clearance from the owners or representatives of that musical work (the music publisher) and of the owners of the master recordings (sometimes the publisher, sometimes the record label, sometimes the artist, etc.). Royalty free music libraries are a great place to start because they can typically grant full music clearance on both the musical work (copyright) and master recordings.

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If you are hiring someone to create your radio commercial for you, the responsibility for the music clearance typically falls on the radio station, ad agency, or production company who actually creating the spot for you. It is always a good policy to discuss music clearance with them to make sure everyone is on the same page.

Get Freelancers for Your Business Services Needs

September 4, 2016

While running a business, there are many essential services that are required on a day to day basis. Business services are an important element of any business that ensures its survival. For small business that struggle to hire full time staff, outsourcing these services to freelance providers could be the ideal answer. If you decide to get freelancers for your business services needs, there is no doubt they would turn out to be reliable and a necessary part for your business processes.Once the company has found reliable freelancers, results will become obvious that the business will start to develop and grow into successful entity. There are many freelance websites which offer opportunities for both businesses and the freelancers to find each other and work together. One can find a lot of different business services offered by freelancers and it is these diverse resources that businesses will be able to leverage and improve their current situations.

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Whether it is accounting services, financial services, IT services or any other required service by the business, one can find experienced freelancers for all business service requirements. Once you get freelancers for your business you will find out how reliable, convenient and cost effective they are. To get freelancers whenever they are required, employers find they soon become a necessary investment. Freelancers have the ability to do anything in their chosen fields, it won’t take long before they become an integral part of the companies processes.To get freelancers is not a very difficult task; there are many freelance websites where one can find freelancers for every kind of business service. Freelancers can really make a big difference in the development and growth of a business through their efficient services. In today’s world, businesses are worried about their profit margins and are always on the verge of contracting their budget and expanding their profits. Hiring a freelancer for business services is a great way to cut costs effectively.

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Hiring freelancers for performing various business services has become a trend for many companies. It is a cost effective way to run a business, but make sure that the services you acquire from the freelancers are up to the mark. But overall it is a very effective way of running a business. The only thing required is to keep a close communication with the hired freelancer to make sure there are no misunderstandings along the way.It is well known that to get freelancers for business services is quite advantageous, especially for small business. Once the business founds a reliable freelancer, it has been proven that the business would benefit a lot from the services provided by a freelancer