Self Improvement - 5 Hot Tips For Self Improvement By Richard Onebamoi

Self improvement is never an accident and never occurs that way but it is the consequence of a deliberate action plan undertaken. It is imperative to understand from the onset that the reason most people stop growing is because they make the choice to not to grow and thereby putting their quest for personal growth and self improvement on the back burner so to speak.

Dr. John C. Maxwell said, "Self-development is a higher calling; it is the development of your potential so that you can attain the purpose for which you were created." Self-improvement therefore, begins with your spirit, your mind, as you consistently acquire new information and discard the ones that are obsolete that no longer serve your purpose.

Self improvement tips are necessary for each person in order for them to recognize the areas in which they need to improve, especially with somebody who likes to do things properly who does not see himself or herself as having any faults or deficiencies. These self improvement tips will become more significant if you take massive action in applying them. Here are 5 Hot Tips for Self Improvement that you can start implementing today.

Identify Areas you intend to improve: The self improvement program you develop for yourself should contain all of the areas you have identified as your weakness to be improved on. This is one of the most important self improvement tips that you must learn is to identify that you are not infallible and that there is always room for improvement. The detailing of this information and the implementation of a program of improvement should allow for a better understanding of these areas in need of improvement

Identify Limiting beliefs: Identifying and getting rid of limiting beliefs is critical to your self improvement and to your overall self development. Most people have sabotage their progress by their negative belief systems. It is also known to have literally affected their self esteem and confidence. Consequently, your self improvement plan must include dismantling these limiting beliefs to improve ones life. These teachings and self improvement tips enable you to make rapid changes in your life simply by changing your negative beliefs system and transforming it into creative opportunities.

Associate with positive people: This is of utmost importance if you will achieve your goals and objectives. There will always be temporary detour in your life and things will not move in the direction you anticipated. It will be very helpful to have positive people around you that will encourage and motivate you to do what you need to do to change your life and move you in the direction of your anticipated goals. These individual have a way of robbing off on you.

Evaluate your life: This self improvement tip is important so that you can ascertain what is working and what is not. There are times when you tend to focus on the things that you have done wrong. But contrary to doing that, you should instead focus on the things you did right so as to enable you focus on doing those things again and that are congruent to your core values and this enhances your self improvement.

Develop the right way of thinking: The right way of thinking is of immense importance in your self improvement plan because a positive mindset will make all the difference in the end. We are sum total of our thoughts, that is you are a product of your thoughts. To change your world, you have to develop the right way of thinking.

Self improvement is gaining to a greater extent importance because it enables people to create a good notion about themselves and redesign the life they were born to live.

Discover More Hot Tips for Self Improvement that will accelerate your success and improve the quality of your life! Do you want to learn more about self improvement tips? If so visit: http://successempowermentsystems.com/audio

Internet and Business Online - How to Make Extra Money on the Internet By Quajo Cherm

Many people, especially the young ones, are not aware that they can make extra income on the internet. Their interest most often is focused on social sites like Facebook where they mostly chat. Making money online is very rewarding and most often requires minimal capital to start.

In order to start you may need few items to begin with. First and foremost you need a computer/laptop. In this modern time you will need a high speed processor and an internet ready machine.

To continue, you will need an internet connection. It can be either wireless or cable based. A super high way connection is best in this instance. Your main activity will be online based. With the internet facility in place, you are connected to thousands of people who also use the same facility. Your offers will be accessed through the internet.

To be highly successful in making extra income you will need to register for a domain name. A domain name comprises strings of letters and numbers (separated by periods) that are used to name organizations and computers and addresses on the internet. When registered your information is solely addressed through this link.

The next item on my list is getting a hosting company. This is a company that sells space on their web servers to the public. It works like your private computer or laptop. The difference here is unlike your computer, the files that you upload to the servers can be accessed by the public who are connected to the internet.
The above listed items will have to be complemented by the following to make the system work. First to be discussed is having passion for the business. Having a strong feeling or emotion for your business makes you develop the required interest and devotion.

There is the need to identify a niche where your interest lies. A niche market defines the specific features of a product aimed at satisfying specific needs. Writing about your special interest is not as difficult what you do not know. It is very easy to write from the known to the unknown.

Having got the above in place, you have to set a target as to how much you will want to make daily or monthly. Generally internet monies trickle in initially. When it starts, it is a good sign that you are applying the rules correctly. Doubling your efforts proportionately increases the income.

Quajo Cherm is a Market Research Officer (MRO) with much experience in Online Marketing. Until he joined Maverick Money Makers, an online coaching club, he was really a wanderer. He read almost everything free that he intercepted on the internet but to no avail. He was later convinced that one cannot make it without a mentor or a coach. You need constant guidance.

This is where Maverick Money Makers comes in. This club really goes with step-by-step video tutorials from A-Z. The teacher can do it better. To learn comprehensively about this club visit http://www.WorkFromHomeBigtime.com

Internet and Businesses Online - Can You Use Articles to Drive Traffic to Your Online Business? By Sean R Mize

Internet and Businesses Online - Can You Use Articles to Drive Traffic to Your Online Business?
You bet you can! Ok, if you just wanted the answer now, you can click out of this article now.

So how do you do it?

1) I assume that since you have an online business, you also have a web site. If you do not, get one.

2) Create a one-page squeeze page for your web site. A squeeze page is a web page that has only one purpose - to get visitors to subscribe to your mailing list so that you can present them with your web site again when they aren't so busy surfing. (By the way, you need an autoresponder to do that)

3) Write articles that have topics that will appeal to the buyers of your product or web service. Notice I say buyers here. I do not write articles to appeal to freebie-seekers or freeloaders of any kind. I am in internet marketing for one reason - to have a long-term residual income that comes in even when I am on vacation, on the beach, or on my skis.

4) Put a link to your squeeze page in every article you write, and place a call to action for that link. Give visitors a reason to opt in to your list.

By the way, do you want to learn more about using articles like this to drive traffic to your website and increase online conversions?
If so, I suggest you check this out: article marketing traffic.

Finance, Credit, Investments - Economical Categories By Lamara Qoqiauri

Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled.

The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. For example, in "the general theory of finances" there are two definitions of finances:

1) "...Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage". This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character;

2) "Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production". This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification.

First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the depreciation fund which is the part of financial domain, belongs not to the distribution and redistribution of the national income (of newly formed value during a year), but to the distribution of already developed value.

This latest first appears to be a part of value of main industrial funds, later it is moved to the cost price of a ready product (that is to the value too) and after its realization, and it is set the depression fund. Its source is taken into account before hand as a depression kind in the consistence of the ready products cost price.
Second, main goal of finances is much wider then "fulfillment of the state functions and obligations and provision of conditions for the widened further production". Finances exist on the state level and also on the manufactures and branches' level too, and in such conditions, when the most part of the manufactures are not state.

V. M. Rodionova has a different position about this subject: "real formation of the financial resources begins on the stage of distribution, when the value is realized and concrete economical forms of the realized value are separated from the consistence of the profit". V. M. Rodionova makes an accent of finances, as distributing relations, when D. S. Moliakov underlines industrial foundation of finances. Though both of them give quite substantiate discussion of finances, as a system of formation, distribution and usage of the funds of money sources, that comes out of the following definition of the finances: "financial cash relations, which forms in the process of distribution and redistribution of the partial value of the national wealth and total social product, is related with the subjects of the economy and formation and usage of the state cash incomes and savings in the widened further production, in the material stimulation of the workers for satisfaction of the society social and other requests".

In the manuals of the political economy we meet with the following definitions of finances:
"Finances of the socialistic state represent economical (cash) relations, with the help of which, in the way of planned distribution of the incomes and savings the funds of money sources of the state and socialistic manufactures are formed for guaranteeing the growth of the production, rising the material and cultural level of the people and for satisfying other general society requests".

"The system of creation and usage of necessary funds of cash resources for guarantying socialistic widened further production represent exactly the finances of the socialistic society. And the totality of economical relations arisen between state, manufactures and organizations, branches, regions and separate citizen according to the movement of cash funds make financial relations".

As we've seen, definitions of finances made by financiers and political economists do not differ greatly.
In every discussed position there are:

1) expression of essence and phenomenon in the definition of finances;

2) the definition of finances, as the system of the creation and usage of funds of cash sources on the level of phenomenon.

3) Distribution of finances as social product and the value of national income, definition of the distributions planned character, main goals of the economy and economical relations, for servicing of which it is used.
If refuse the preposition "socialistic" in the definition of finances, we may say, that it still keeps actuality. We meet with such traditional definitions of finances, without an adjective "socialistic", in the modern economical literature. We may give such an elucidation: "finances represent cash resources of production and usage, also cash relations appeared in the process of distributing values of formed economical product and national wealth for formation and further production of the cash incomes and savings of the economical subjects and state, rewarding of the workers and satisfaction of the social requests". in this elucidation of finances like D. S. Moliakov and V. M. Rodionov's definitions, following the traditional inheritance, we meet with the widening of the financial foundation. They concern "distribution and redistribution of the value of created economical product, also the partial distribution of the value of national wealth". This latest is very actual, relatively to the process of privatization and the transition to privacy and is periodically used in practice in different countries, for example, Great Britain and France.

"Finances - are cash sources, financial resources, their creation and movement, distribution and redistribution, usage, also economical relations, which are conditioned by intercalculations between the economical subjects, movement of cash sources, money circulation and usage".

"Finances are the system of economical relations, which are connected with firm creation, distribution and usage of financial resources".

We meet with absolutely innovational definitions of finances in Z. Body and R. Merton's basis manuals. "Finance - it is the science about how the people lead spending `the deficit cash resources and incomes in the definite period of time. The financial decisions are characterized by the expenses and incomes which are

1) separated in time, and

2) as a rule, it is impossible to take them into account beforehand neither by those who get decisions nor any other person" . "Financial theory consists of numbers of the conceptions... which learns systematically the subjects of distribution of the cash resources relatively to the time factor; it also considers quantitative models, with the help of which the estimation, putting into practice and realization of the alternative variants of every financial decisions take place" .

These basic conceptions and quantitative models are used at every level of getting financial decisions, but in the latest definition of finances, we meet with the following doctrine of the financial foundation: main function of the finances is in the satisfaction of the people's requests; the subjects of economical activities of any kind (firms, also state organs of every level) are directed towards fulfilling this basic function.

For the goals of our monograph, it is important to compare well-known definitions about finances, credit and investment, to decide how and how much it is possible to integrate the finances, investments and credit into the one total part.

Some researcher thing that credit is the consisting part of finances, if it is discussed from the position of essence and category. The other, more numerous group proves, that an economical category of credit exists parallel to the economical category of finances, by which it underlines impossibility of the credit's existence in the consistence of finances.

N. K. Kuchukova underlined the independence of the category of credit and notes that it is only its "characteristic feature the turned movement of the value, which is not related with transmission of the loan opportunities together with the owners' rights".

N. D. Barkovski replies that functioning of money created an economical basis for apportioning finances and credit as an independent category and gave rise to the credit and financial relations. He noticed the Gnoseological roots of science in money and credit, as the science about finances has business with the research of such economical relations, which lean upon cash flow and credit.

Let's discuss the most spread definitions of credit. in the modern publications credit appeared to be "luckier", then finances. For example, we meet with the following definition of credit in the finance-economical dictionary: "credit is the loan in the form of cash and commodity with the conditions of returning, usually, by paying percent. Credit represents a form of movement of the loan capital and expresses economical relations between the creditor and borrower".

This is the traditional definition of credit. In the earlier dictionary of the economy we read: "credit is the system of economical relations, which is formed while the transmission of cash and material means into the temporal usage, as a rule under the conditions of returning and paying percent".

In the manual of the political economy published under reduction of V. A. Medvedev the following definition is given: "credit, as an economical category, expresses the created relations between the society, labour collective and workers during formation and usage of the loan funds, under the terms of paying present and returning, during transmission of sources for the temporal usage and accumulation".

Credit is discussed in the following way in the earlier education-methodological manuals of political economy: "credit is the system of money relations, which is created in the process of using and mobilization of temporarily free cash means of the state budget, unions, manufactures, organizations and population. Credit has an objective character. It is used for providing widened further production of the state and other needs. Credit differs from finances by the returning character, while financing of manufactures and organizations by the state is fulfilled without this condition".

We meet with the following definition if "the course of economy": "credit is an economical category, which represents relations, while the separate industrial organizations or persons transmit money means to each-other for temporal usage under the conditions of returning. Creation of credit is conditioned by a historical process of fulfilling the economical and money relations, the form of which is the money relation".
Following scientists give slightly different definitions of credit:

"Credit - is a loan in the form of money or commodity, which is given to the borrower by a creditor under the conditions of returning and paying the percentage rate by the borrower".

Credit is giving the temporally free money sources or commodity as a debt for the defined terms by the price of fixed percentage. Thus, a credit is the loan in the form of money or commodity. In the process of this loan's movement, a definite relations are formed between a creditor (the loan is given by a juridical of physical person, who gives certain cash as a debt) and the debtor.

Combining every definition named above, we come to an idea, that credit is giving money capital of commodity as a debt, for certain terms and material provision under the price of firm percentage rate. It expresses definite economical relations between the participants of the process of capital formation. Necessity of the credit relations is conditioned, from one side, by gathering solid quantity of temporarily free money sources, and from the second side, existence of requests of them.

Though, at the same time we must distinguish two resembling concepts: loan and credit. Loan is characterized by:

o Here, the discussion may touch upon transmission of money and also things form one side (loaner) to another (borrower): a)under the owning of the borrower and, at the same time, b) under the conditions of returning same amount or same quantity and quality of the things;

o The loaning of money may bear no interest;

o Any person may take part in it.
With the difference with loan, credit, which is somehow a private occasion of the loan, represents:

o One side (loaner) gives to the second one (borrower) only money, and _ for temporal usage;

o It may not bear no interest (if the assignment doesn't foresee something);

o In it creditor is not any person, but a credit organization (at the first place, banks).

So, a credit is the bank credit. To our mind, it is not correct to use "credit" and "loan" as the synonyms.
Banking crediting is the union of relations between bank (as a creditor) and its borrower. These relations touch upon:

a) Giving a certain amount of money to the borrower for definite purpose (though, we meet with the so-called free credits, aims and objects of crediting are not appointed in the assignment);

b) Its opportune returning;

c) Getting percentage rate from the borrower for using the sources under his/her disposal.
The essential foundation of the credit essence and its important element is existence of trust between the two sides (in Latin "credo", from which comes the word "credit", means "trust").

From the position of circulation of money forms (in the abstraction, historical process of formation economical relations and social budget and banking systems expressed by them) comparing different definitions of finances and credit, the paradox conclusion appears: credit is the private occasion of finances. And truly, from the position of movement of the money forms, finances represent the process of formation and usage of the funds of cash means. Very often such movements are fulfilled without returning, but sometimes, it is possible to give loans from the budget for the investment projects of other needs. Also, when a manufacture or corporations use their cash funds and we mean the finances of industrial subject, such usage may be realized as inside the manufacture or corporation (there is no subject about returning or not returning of the usage), so gratis under conditions of returning. This latest is called commercial form because of transmitting the sources to others, but even in this occasion, it is the element of financial system of the manufacture and corporation.

From the point of cash means movement, main character of credit is the process of formation and usage of the funds of cash means under the conditions of returning and, as a rule, taking the value-percentage. If gating the credit value doesn't take place (even in the exceptional occasions), according to the movement form, credit becomes a private occasion of finances, as from the net financial funds (consequently from the state budget) the loans which bear no interests may be used. If gating credit value takes place, by the appearance form, credit is discussed to be financial modification.

From the historical point of view, finances (especially in the sort of the state budget) and credit (beginning with usury, later commercial and banking) were developing differently for considering credit to be the part of finances. Though, from the genetic-historical point of view, previous loaners, before giving loan, needed gathering the permanent capital not returning, that is the net financial foundation. The banks analogously needed concentration of the important own capital for influxing the consumers' means and for getting higher percentage rate under the conditions of returning. Herewith, exactly on the financial basis, in the sort of financial fund (which later partially becomes loan fund) part of the bank capital appears to be the reservation (insurance) part of the fund, which by nature is financial and not loan. So notwithstanding the essential distinctions between finances and credit form the genetic-historical point of view, credit appears to be formed from finances and represent their modification.

From the essential position of expressing economical relations of finances and credit, we meet with cardinal distinctions between these two categories. Which mostly expressed by the distinction of the movement forms notwithstanding they are returnable or not. Finances express relations in the aspects of distribution and redistribution of social product and part of the national wealth. Credit expresses distribution of the appropriate value only in the section of percentage given for loan, while according to the loan itself, a only a temporal distribution of money sources takes place.

Herewith, there is a lot of common between the finances and credit as from the essential point of view, so according to the form of movement. At the same time, there is a significant distinction between finances and credit as in the essence, so in the form too. According to this, there must be a kind of generally economical category, which will consider finances and credit as a total unity, and in the bounds of this category itself, the separation of the specific essence of the finances and credit would take place.

Funding of the cash means is common to the researched economical categories. It takes place in any separate system of finances and credit, which have been touched upon during the analyses of defining finances and credit. Word combination "funding of the cash sources (fund formation)" reflects and defines exactly essence and form of economical category of more general character, those of finances and credit categories. Though in the in economical texts and practice, it is very uncomfortable to use a termini, which consists of three words. Also, "unloading" with an information hardens greatly its influxing into the circulation even in the conditions of its strict substantiation and thoroughness.

In the discussing context we consider:

1) wide and narrow understanding of economical category of the finances;

2) discussing finances in narrow understanding under general traditional meaning;

3) discussing finances, as funding of the cash means, in wide understanding, which concerns finances - in narrow meaning and credit - in complete meaning.

Termini "funding" and its equivalent "fund formation" are used by us as the purposeful structuring of cash means, which is based on two poles - accumulation of money sources (gathering) and its usage for definite purpose in the way of financing and crediting.

We have established a new termini - "finance-investment sphere" (FIS). Analyses about interrelation of finances and credit made by us give us an opportunity of proving, that in the given termini, the word "financial" is used with the meaning of funding cash sources, its purposeful structuring. In this process we consider at the same time financial, credit and investments' economical categories.

Let's sum up middle results of discussing new concept - "finance-investment sphere" and discuss its investment consisting parts.

The concept "investments" was brought into the native economical science from the West. In the Soviet economical science they for a long time used in the place "investments" the termini "capital placement", which expressed the usage of the industrial factors in the sphere of real industrial activities during realization of capital projects. From one glance, this termini in its concept is identical to the "investments", consequently it is possible to use them as synonyms. Though the termini "investments" and "investing" have the advantage towards the termini "capital placement" from linguistic and philological points of view, because they are expressed with one word. This is not only economical and comfortable in the process of working with the termini "investment" itself, but also it gives an opportunity of termini formation. More concretely: "investment process", "investment domain", "finance-investment sphere" - all these termini are much more acceptable.
Changing native economical termini with foreign ones is purposeful, if it really matters (by keeping parallel usage of the native termini for the inheritance). Though we must not change native economical termini into foreign ones all together, when by ordinal traditional language easy to explain private and narrow concrete processes and elements get their own termini. The "movement" of these termini is approved in the narrow professional bounds, but their "spitting out" into the economical science may turn economical language into the tangled slang.

Let's discuss termini - "investment" and "capital placement's" usage in the economical literature.
Investments are placement of funds into the main and circulation capital for the purpose of getting profit. "Investments in material assets - are the placements of funds into the mobile and real estate (land, buildings, furniture and so on). Investments in financial assets are the placements of funds into the securities bank accounts and other financial instruments".

We don't meet with the termini "investments" in the earlier economical dictionary, but we meet the combined termini "investment policy" - the union of the industrial decisions, which guarantee main directions of the capital investments, the activities of their concentration in the determinant suburbs, on which the reaching of planned rates of development of the society production is depended, balancing and effectiveness, getting more and more production and profit of the national income for every lost Ruble". For today, in the most actual definitions, the capital investments are bounded only by financial means, when not only financial, but also the investment of natural, material-technical and informational resources takes place. Labour resources take an actual place in the investment process. They themselves fulfill this or that investment process.

A positive side of the discussed definitions is that they connect investment policy and capital placements (investments):

- economical development according to the key directions to the concentration;

- providing high rates of economical growth;

- raising an economical effectiveness, which is expressed:

a) by growing the throw off of the production and national income for every lost Ruble;

b) by fulfilling the branch structure of the investments;

c) by improving their technological structure;

d) by optimization of their further production structure.

Compared with such definition of the investments (capital placement) the definition of investments in the dictionary attaching the "Economics" seems to be unimproved: "investments - the expenses of gathering production and industrial means and increasing material reserve". In this definition current expenses (production expenses) are mixed with the investment (capital) expense. Also, not the investment expenses but (though the investments are followed by the appropriate expenses) exactly advancing. It differs from the expenses by that the means (means) are put by returning the advanced values, also, under the conditions of growth, to which the concept-advanced capital is corresponding. the advancing may be realized in the money, natural-material and informational forms.

Except the termini "investments", there are two more termini related with the investment. They are shown below.

"Human capital investment" - any activity provided for rising the workers labour productivity (in the way of growing their qualification and developing their abilities); at the expenses of improving the workers' education, health and raising the mobility of the working forces". It is very useful to use the mentioned termini, though it needs one correction: the human capital investments do not concern only workers, but also the servants, representatives of every kind of labour.

"Investment commodity, capital goods - a capital."

In the official manuals of political economy of the reformation time the capital investments are discussed as "expenses for creating new main funds and widening, reconstruction and renewing the active ones". In this definition the investments (capital placements) during separation of the forms (types) of further production of the main funds are bounded only by main funds (without increases of the circulation funds and insurance reserves):

a) creating new ones;

b) widening;

c) reconstruction;

d) renewing.

Also, the concept of the industrial gathering appears, at the expenses of widening of basic, circulation funds and also insurance reserves takes place".

You'll meet below the definitions of investments from "the course of economy": the investments are called "placements of fund into the basic capital (basic means of production), reserves, also other economical objects and processes, which request long-termed influxing of material and cash means. "According to the division of capital into physical and money forms, the investments too must be divided into material and cash investments".

They apportion investment commodity, to which belong industrial and nonindustrial building objects, vehicles purposed for changing or widened technical park and the furniture, increasing reserves and others.

"They call the total investments of production an investment product, which is directed towards keeping and increasing the basic capital (basic means) and reserve. Total investments consist of two parts. One of them is called the depreciation; it represents important investment resources for compensation of renewal till the level of before industrial usage, wearing out and repairing of the basic means. Second consisting part of the total investments is represented by net investments - capital investments for the purpose of increasing basic means". Depreciation is not a compensation resource of wearing the basic funds out, but it is the purposeful financial source of such resources.

Human capital investment is "a specific kind of investments, mostly in education and health protection".

"Real investments are the investments in the economical branches and also, they are kinds of economical activities, which provide influxing the increases of real capital, that is increasing material values of the industrial means". We can agree with such definition with one specification that material and nonmaterial values too belong to the real capital (wealth), consequently science-researching experimental-construction results, various information, education of he workers and others. Such service as organization of the excitable games, also the service of redistribution social wealth from one private person to another (except charity).

"Financial investments represent placement of funds into the shares, obligations, promissory notes, other securities and instruments. Such investments, of course, do not give increases of the real material capital, but they help getting profit, consequently at the expenses of changing the course of the securities in the time of speculation, or distinguishing the course in different places of sell and purchasing". We share wholly such definition, hence it follows that financial investments (if it is not followed by real investments as a result) do not increase real material wealth and real nonmaterial wealth. According to this context, the expression below is very important: "we must distinguish financial investments, which represent placement of the funds in the ways of selling and purchasing the securities for the purpose of getting profit and financial investments, which become cash and real, moved to real physical capital."

In the "economical course" quoted before long and short-termed investments are separated. Recognizing the existence of the bounds between them, the authors ascribe short-termed investments to "one month or more" investments. If we get such conditioned criteria, that we can call the investments which overcome the terms of some months, long-termed ones, which is very doubtful and we don't agree with it. A long-termed character of the fund placement is a significant feature of the investments (short-term doesn't combine with the concept of investments). Principally, it would be better to point out quick compensative, middle termed compensative and long-termed compensative investments:

- less then 6 months - quick compensative;

- from 6 months up to the year and a half - middle termed compensative;

- more then the year and a half - long termed compensative.

We stopped at the definition of the investments in the capital work "economical course" for the special purpose, as, in it the author tried to discuss the concept of investments systemically and quite completely, herewith the book is published just now.

We'll return to the discussion the definition economical category of "investments" in different publications in the following chapter. The definitions given here are quite enough for having a notion of the level of lighting up the given category in the economical literature.

What conclusions may be made according the definition of the mentioned economical category in the published works, except the made notions and specifications?

There is quite deeply, concretely and thoroughly defined the concept of "investments", different definitions in the economical literature; but mostly in every works about the investments discussed by us until now, there is not opened the essence of investments as an economical category. In every monograph , even if it has a title investment, as an economical category , there is given only the definition, concept of investments. But, as the Academician Vasil Chantladze explains, "a concept is a discussion, which proves something about the distinguishing feature of the researched object. A concept out of much essential characteristic features represents only one, and essential in it is only - definition".

But the categories are much wider; it is "a key, the most fundamental concept of every science". Economical categories theoretically represent real, objectively existed productive relations. A category is the defining of occasions of existed characters, connections, relations of the objective world. Generally, any educational process is fulfilled by the categories, which give opportunities for dividing the processes and occasions semantically, for expressing the definitions of a subject and realize their specific peculiarities and economical relations of a material world.

Our goal is exactly to substantiate investments - as an economical category and also, as a financial category in the narrow understanding.

Here we apply for another manual thesis made by the academician Vasil Chantladze: "every financial relation is an economical one and every financial category is and economical one, but not every economical relation and economical category is financial relation and financial category".

In the process of defining the investments, it is important to take in mind the sides of resources, expenses and incomes, because investment, from one side, is the result of the manufacture's activity, and, from another one,

- a part of income, which, in this case, is not used for usage.

Another occasion: it is advisable to discuss investments in two aspects: as a category of reserve and flow, which will reflect exactly the connection between "placement of funds" and "investments".

As we've mentioned above, not long ago, in the well-known Soviet literature the concepts of "the placement of funds" and "investments" were accepted to be the synonyms and concerned to be investment of sources for further production of the main funds and formation of the turnover funds. We meet with such understanding of the concept of "investment" (here, they separate three types of the investment expenses: investments in the basic capital of investments, investments in the house building and investments in the reserves) in the modern economical publications and it is mostly used on the macro level during a statistical analyze of economical processes. In this concrete occasion investment is the category of reserve.

Write to Speak Or Speak to Write? The Blurring of Writing and Speaking By Lance Winslow

If you want to improve your speaking skills, I suggest that you do some more writing. If you sit down and write out a speech, and then continue to edit it, while visualizing your speech, this will help you become a better speaker. And if you are having a coffee shop conversation with a friend and recall that conversation when doing your writing you will note that your writing looks more like a conversation or discussion, and your reader will notice this and they will enjoy it.

Writing in this way looks as if you're speaking to the reader, and it is more pleasurable to read. If you doubt this go ahead read an article in a magazine and the articles that like, will be the ones in which it appears that the writers are talking to you. You can almost picture the person on the other side of the table having a conversation and makes you feel good you enjoy reading it. This is what I'm talking about.

Whether you decide to write to speak better, or use speaking to improve your writing, you will indeed end up doing both. The blurring of writing and speaking will improve your overall communication with the rest of the world. It will improve your telephone conversations so that you get to the point quicker and with more emphasis.

It will also prevent people from misunderstanding what you are trying to say. Writing skills help people in everyday communication. Those people who are really good speakers also note that their writing starts improving because when they speak to people they watch the facial feedback, and they start to understand which types of sentences and words provoke the proper reaction, and by using this knowledge to improve their writing; they find their skills expand exponentially. I hope you will consider blurring your speaking and writing communication skills.

Lance Winslow - Lance Winslow's Bio. Lance Winslow is also Founder of the Car Wash Guys, a cool little Franchise Company; http://www.carwashguys.com/history/founder.html/.

Learn How to Write and Speak Japanese By Kenneth H Jones

When you are learning Japanese what you are really thinking of is speaking. You want to speak for sure but to have a conversation you need to be able to listen well. How many times have you been abroad and made an attempt to speak and been completely confused by a torrent of words coming back to you from a native speaker. So to learn how to write and speak Japanese you need to listen.

To actually have a conversation in Japanese you need to listen and listen hard. To do this you need to spend time practising your listening skills using a number of resources.

Passive resources for improving your Japanese listening skills
I use radio and television in the background to support my language learning. So instead of just switching on to the usual English channels I consciously choose to put on a Japanese speaking station. What you gain from this is a good ear for the way the language sounds. You will also pick new vocabulary and colloquialisms that will not be in a text book.

Active resources
Most of my DVD collection has subtitles and audio in a choice of languages. I often use this feature to acclimatise my brain to listening. The subtitles also help to confirm what you are hearing. You can rewind back and check out certain phrases. You are really checking your hearing out with this exercise. Of course you may have to do this alone as other people might not appreciate what you are doing.
There are many Japanese language courses on CD and MP3 that I have playing in my car wherever I go. I do not worry about doing the course material while I am driving but use it as listening practice. You do need a fair few to stop this being boring. I am reasonably fluent in Japanese now but even when I was just starting out I would listen to the beginners and advanced vocabulary CD's for the express purpose of improving my listening skills.

Friends who speak the lingo from Tokyo.
Live conversation is the unbeatable way to improve your learning skills. I have a Japanese friend who I spend time with not only because they are good company but also because they help me learn Japanese. I am also helping them learn English so it is a win win situation. You get coaching on your accent and practice listening in a natural environment that is non threatening.

The main point of these resources is to spend time immersed in the Japanese language. When you do go overseas and need to speak and listen for real you will have had plenty of practice.

Find out the top recommendation for http://www.fastlanguagelearning.info/Learn-Japanese.html available online. There is a full review of the top product in the field of language learning for Japanese. http://www.fastlanguagelearning.info

Your Nintendo Wii Games Cost You A Lot? Help Exists By John Reed

Gamers are some of the most intense people on the planet. Herds of gamers spend more time playing games than they do any other single activity .As new, more intense games arrive in stores, true gamers have only one option. Get it!

I know that many non gamers dont understand what drives a person to spend sixty dollars for the latest game to hit stores, even though those prices are considered to be so high. I wont even attempt to explain that. In my personal opinion, gamers understand. You are either a true gamer or you are not. Unfortunately, there is no middle ground on that one.

Games have become such a major pass time in young and middle aged society, that it has permeated professions. Doctors now use game like controls to perform surgeries and the military has begun using vehicles that are operated remotely based on game play. Playing games is not just for kids any more.

Just for reference, if you are old enough to remember the days when Pong was the most exciting game out, you are in the middle-aged category. Back then, people called games a phase that would die out or loose its grip on individuals as they got older and matured. Well, that assumption is out the window. Due to the enormous, gigantic and utterly amazing leaps in game technology, Gamers are finding a veritable never-ending buffet of electronic games to feed their insatiable game play appetites, irrespective of the users need for complexity.

While it is a matter of fueled debate as to which console is best, consoles such as the Play Station 3, Xbox 360, and the Nintendo Wii are all viable options for creating fun for the whole family.

However, for those gamers that are basically chomping at the bit to compete even when they are away from home, these systems are of limited value. So, gamers are turning to the free internet based online games that are springing up all over the internet. Free online game websites cant supply all of the powerful impact of the game consoles that are hitting the market, due in part to bandwidth issues but they can supply a between meal snack to stave the hunger that drives gamers to do what they do. Im not addicted to games but the shear number of games on the market entices me to by more and more says Jason Crombeck. I know I spend too much money on games but their fun. So, I know Ill keep doing it.

A new trend is emerging. To afford the ever-growing number of games and game consoles, game players are turning to playing free online games that allow them to earn cash. The resulting cash is then used to purchase games and consoles. A Playstation 3 Costs between 500 and 600 dollars and many gamers are holding on to their PS2s until they can earn enough money to get their PS3 or other console.

Ten out of Ten gamers polled say that the cost of games adversely affects their budgets for other things. Eight of ten believe that they would by more games if they could somehow offset the effect of game prices on their budget. Eight of ten gamers admit knowingly spending money earmarked for other projects on games and game related materials. Eight out of ten admit that they anticipate spending money earmarked for other projects on games and game related materials in the future.

There are ways online to earn money for purchasing games and even game consoles. Many of the solutions cost money to get started and that deters gamers from using them. However, other solutions are free and require less effort from the user. Among the better options for earning the money necessary to keep up with the various game releases is the TypoBounty game.

It is uniquely suited to allow gamers to earn money to buy games, because it is a game itself and can be used without cutting into gaming time. Gamers simply point out errors online for an opportunity to earn 2 dollars per error. They can compete against buddies to see who can earn the most. Then they can use the money to buy the latest game titles.

The author, John Reed, a gamer since 1992, has had the opportunity to use and review multiple online money generating sites. You can see TypoBounty game levels by clicking here Earn Your Game Buying Money at http://www.typobounty.com

Put Some Z.I.P. Into Your Relationships By Chris Widener

Relationships are really what makes the world go 'round, aren't they? I
mean, good, positive, healthy and meaningful relationships provide us with
the richest experiences we have here on this old earth of ours. Your loving
spouse who shares everything with you; that best friend who connects with
you like few others do; the people at work who appreciate you and help you
to become the best that you can be; This is what brings joy to life!

But... relationships can also be the bane of our existence! What really brings
more pain in this life than a broken relationship, especially when it isn't
just broken but downright ugly!

So, it behooves us to do all that we can to keep our relationships zipping
right along, doesn't it? If we put our very best into our relationships we
can almost guarantee getting the very best out of our relationships!

Through the years I have spent hundreds of hours working with people in
their relationships: Marriages, friendships, working relationships and
social relationships. Through it all I have seen some wonderful things and
some terrible things. It truly is the good, the bad and the ugly!

But I have been able to find three core elements of successful
relationships. These are things that, when done over time, begin to create
for you the kinds of relationships that you truly desire. They are the kinds
of relationships you have always dreamed of.

The key to remembering these three items is the acronym Z.I.P. Z.I.P. stands
for three things you can do - and begin to do immediately - to improve any
and all of your relationships. They are:

Put some ZEST into your relationships.

Cultivate more INTIMACY in your relationships.

Develop a PURPOSE in your relationships.

Let's take a closer look at each of these three:

Put some ZEST into your relationships.

By Zest, I primarily mean fun. Relationships were meant to be fun! We wouldn
't have been made with the capacity to have fun if relationships weren't
supposed to have a little zest in them!

Think about it: Don't you usually start out most healthy relationships with
a lot of fun times. Whether it is going out to dinner or a ballgame, or
spending time playing a game or even just a lively talk, you usually have
fun as a major part of the relationship. Fun is some of the glue that bonds
the relationship.

But as life goes on, specifically in a marriage, but in all relationships
really, the fun starts to go by the wayside. More and more it is about
getting the job done, whatever the job may be.

To restore the relationship, to put a little zip into it, we need to
reintroduce the idea of "zest."

What about you? Have you lost the zest? What can you do to get it back?

Think of a specific relationship you have: What were the fun things you did
at the beginning of the relationship that acted as the glue that bonded you
together? Now, commit to doing those again and see if your relationship
doesn't begin to soar again! If you can, develop new fun things to do
together so you can both start an adventure of fun together!

Cultivate more INTIMACY in your relationships.

First a couple of clarifications: One, I don't just mean intimacy in the
currently common understanding, that is, sexual intimacy. I mean for all
intents and purposes, taking your relationship to a deeper level. Second, I
don't mean that you have to start doing group hugs with your workmates or
having revelation sessions where the tissue flows freely.

What I do mean is that every relationship that is mutually satisfying has a
level of depth to it that provides meaning. This is really what the search
is for in our relationships: meaning.

Remember when you first started your relationship, whether with your spouse
or friend. All of that time was spent opening up, telling who you are, where
you were from, what your likes and dislikes are. There was a deep sense of
satisfaction with the relationship - that is why it continued. You liked who
they were and you enjoyed being known by them.

But then something happens. We get to a certain level and the pursuit of
depth ends. We stop sharing feeling, likes, and dislikes. We stop sharing
joys and dreams and fears. Instead, we settle into routine. The daily grind
takes over and we stop knowing one another and we simply exist together. Now
don't get me wrong, every time you get together doesn't have to be deep.

Remember, I am the one who advocates in the previous paragraphs just having
plain old fun sometimes. But there is a need for regular times of intimate
connection where we go deeper with others.

This is particularly hard for many of the male species like myself but it is
not only possible but healthy and needed! If we want to have the kinds of
relationship we were made to have, we have to open ourselves up to having
others know us and for us to know others.

True meaningful relationships come when we are loved and accepted for whom
we are at our core, not simply for acting the right way in our relationships
so as to keep the other person in it.

Think about the relationships you would like to see improvement in. Take
some time in the coming weeks and months to spend time just talking and
getting to a deeper level in your relationship. Specifically, let the other
person deeper into your world. You can't force the other person to be more
intimate and you certainly can't say, "Let's get together and have an
intimate conversation," because that would be too contrived. But you can
make a decision for yourself that you will let others into your world.

Perhaps this will be the catalyst for them doing the same.

You can guard yourself from intimacy but then you won't go much deeper and
you will feel a longing in your heart for more, or you can begin the
deepening process and see your relationships change for the better.

Develop a PURPOSE in your relationships.

The most meaningful relationships we have are those that are held together
by a common purpose and vision for what the relationship can accomplish, not
only for those involved but also for a greater good.

Let's face it, when people have a common purpose they feel like they are
part of a team and they feel bound together in that relationship. Even when
people may be disappointed in the people they are in relationship with, if
they have a purpose, such as raising the children, they are much more likely
to stick it out. Purpose creates bonds.

So what happens if we are proactively involved in seeking out a common
purpose with those who we want to have a relationship with or those who we
already have a relationship with but we would like to see it go deeper with?
Well, it gets better and stronger.

Think about your strongest relationships. Aren't they centered around at
least one area of purpose or a common goal?

What about a relationship that has cooled? Think back and see if perhaps you
used to have a common purpose but it has gone by the wayside.

And what of your desire to see a relationship grow? Take some time to begin
to cultivate a common purpose. Sit down with that person and tell them that
you would like to have some common goals, some purposes that you pursue
together. As you develop these, you will see your relationship strengthen in
ways you never imagined!

Let's recap: You want your relationships to show a little "zip?" Then put a
little Z.I.P. in them:

Put some ZEST into your relationships.

Cultivate more INTIMACY in your relationships.

Develop a PURPOSE in your relationships.

Chris Widener is an Internationally recognized speaker, author and radio host. He has authored over 450 articles and nine books, including a New York Times and Wall Street Journal Best-seller. He has produced over 85 CDs and DVDs on leadership, motivation and success In addition to being a featured contributing editor to the Jim Rohn One-Year Success Plan, Chris is a regular guest speaker receiving rave reviews! Chris demonstrates a style that is engaging and versatile while providing life-changing principles of leadership, motivation and success. If you would like to order Chris' products, including his Newest Release, The Art of Influence as well as The Angel Inside or his CD series, Winning with Influence, to subscribe to Chris Widener's Ezine or to book him to speak at your next event, go to: http://www.chriswidener.com Contact Chris at: http://www.chriswidener.com/speaking.asp or call 877-929-0439.

The Importance Of Reference and Education In Your Getting the Right Job By Nancy D Smith

Most of you job hunters out there might want to polish your reference and education in your resumes or curriculum vitae so you can up the chances of getting the attention of human resource officers. This is especially true to people who have been unemployed from their jobs due to their companies cutting downsizing.

The number of people who have been re-trenched due to global recession has been rising in an alarming rate. Most of these out of employment people are suddenly put into a situation wherein their source of living is taken away so abruptly that they end up relying on the government monthly checks to survive. Many stories have been heard of these professionals still out of job because some job centers just cannot seem to find the right job for them that can match their skills, experience, and other attributes.

You must know that competition out there is tougher with fresh graduates, young professionals looking for greener pastures, or the laid off middle age worker, and other job seekers flooding the job market. You may be one of the types of job hunters circling the job centers in town, surfing online job databases, and or looking at your community bulletin board or local newspaper. And so you know how it is to keep on searching without having any positive feedback from the companies you have sent your resumes or CV's. What seems to be the problem?

Well, there are two emerging important factors called reference and education that should be carefully mentioned in your profile or portfolio. Many human resource officers have been keen on these two factors because of the scarcity of the jobs that they can offer. Any of the companies wanting to hire a personnel would want someone who have been working credibly as stated in his references and also has the knowledge to fill in the job position that can be mirrored by his educational attainments. The higher the education, the higher is the expectation for you to get the job well done.

So how do you get a good reference? This depends if you have any prior job experiences and the type of job seeker that you are. For fresh graduates, enlist all your summer jobs and part-time jobs and then pick out something that relates to the position you are currently applying for. For young professionals or laid off worker, consider your most recent company if they have good commendations regarding your work. Some of the companies that laid off workers readily hand out references or recommendations to laid off workers to help them find a new job right away. Send a reference request letter to your direct supervisor of your best work experience and then wait for their letter of recommendation. This factor can be readily checked by the human resource personnel by contacting your stated references so do not attempt to falsify any documents.

For educational factor, this can be a limiting to those who do not have a degree, certifications, or other documented expertise. Universities, community and technical training schools can readily provide you with your scholastic records for your supporting documents. The government is also willing to shoulder your schooling expenses so that you can further your skills or education and therefore get a better job. Just look around for open programs or scholarships that you can use to make yourself more valuable with additional technical skills or higher education.

The job market right now is having a higher demand for jobs than the available jobs being demanded. You do not want to be blacklisted or banned from any company or job center so refrain from tweaking the facts.

Nancy D. Smith enjoys writing educational materials like lsat prep and test prep and other related fields.

How to Get Book Reviews For Your Self Published Book By Preston Bennett

If you have a self published book, it can be frustrating to find a way to get book reviews. If you send your novel to reviewers who write for the most well known publications, chances are that it will be ignored. This is because these reviewers are besieged with offers from publishers to review books. In order to get self published book reviews, you have to do a bit of self published book marketing.

One way to market your self published novel and get book reviews and notices in return is to hire a book review company. A book review service can review your work and publish the reviews for you in various different places. For example, if your book is being sold on Amazon, one of the top venues for booksellers, you can get professional reviewers to write a notice about the book and post it on this site. This is more than just getting a recommendation, the book reviews that are provided by a professional service let the public get a glimpse of the book so that they can decide whether or not they want to read it.

People have no idea what a book is about unless they read reviews. Those who have self published books have to market the product on their own, which means getting book reviewers to write about the works without having the backing of a publishing house. Reviews sell the books to the public as the average person does not follow the trade publications or know what books are coming out in print. Book marketing is primarily viral marketing and reviews are the method of choice. A good book reviewer will read the work and then write a review that is honest and compels others to either want to read it or stay away.

Getting a book reviewer to take a look at a self published book can be very difficult, especially for someone who is relatively new to the publishing world. But because these notices are an essential point for sales, it pays an author to seek out a book review service to give them the book reviews that they need to promote their writing.

Without reviews, the public has no idea what the writing is about or that it even exists. When the property is given a book review, then the public can read about the novel and decide whether it is something that they will want to buy. Book reviews are, therefore, a necessary part of marketing for the written word.

Book reviewers do not have to be well known - in fact, most people have no idea who they are, unless a book is reviewed by another author. For the most part, people who buy books want to just read that someone else enjoyed the work. Book reviews should also give a glimpse into the book without giving away the plot. These notices are even more necessary than movie reviews when it comes to getting sales for the vehicles. Anyone who is marketing a self published book should seek out a book review company to get notices that can sell their work.

Preston Bennett is a consultant with http://www.readerspoils.com/authors.html

Arts and Design Schools Develop Professional Abilities By Michael Bustamante

Arts and Design Schools, colleges, and universities have post-secondary, undergraduate, and graduate programs that broaden and develop professional abilities and perspectives in their students. Arts and Design Schools offer certificates and degrees in the many subjects included in the discipline of art. Students can study for associate, bachelor, master, and doctorate degrees in drawing and painting, print making, sculpture, graphic design, fabric design, architecture, interior design, illustration, animation, film, furniture, fashion, and others.

Arts and Design students will study basic liberal arts and sciences in addition to basic design principles through readings, discussions, lectures, and practice through creative inspiration, guided activities, and constructive criticism from instructors and classmates. A modern-day education in Arts and Design focuses primarily on computer aided drawing (CAD); however students will also be introduced to physical design media and textiles, such as: paint, wood, metal, fiber, clay, glass, and plastics.

Arts and Design Schools teach to develop skills in students that prepare for professions in all areas of studio arts, graphic design, education, performing arts, advertising, film production, architecture, digital imaging, fine art media, and others.

Arts and Design Schools can include in their curriculums courses that prepare for out of the ordinary arts and design, including such items as cars, appliances, entertainment modules, and interactive game products. Success in all arts requires intellectual understanding, creativity, and development as a professional provided through Arts and Design Schools.

If you are interested in learning more about Arts and Design Schools, please search our site for more information and resources.

DISCLAIMER: Above is a GENERAL OVERVIEW and may or may not reflect specific practices, courses and/or services associated with ANY ONE particular school(s) that is or is not advertised on SchoolsGalore.com.

Copyright 2006 - All Rights Reserved

Michael Bustamante, in association with Media Positive Communications, Inc. for SchoolsGalore.com
Notice to Publishers: Please feel free to use this article in your Ezine or on your Website; however, ALL links must remain intact and active.

Michael Bustamante is a staff writer for Media Positive Communications, Inc. in association with SchoolsGalore.com. Find out more about Arts and Design Training as well as Online Arts and Design Schools at SchoolsGalore.com; meeting your needs as your educational resource to locate schools.