A Short Article on Technology

The world has undergone severe changes over the past decade. We now live in a world where communication is paramount. It seems that everyone and everything is connected in some way.

For school students this has made things much more efficient. Research papers that used to involve hours of laborious effort, can now be searched and documented without ever touching a card catalog or a periodic index. Worlds of information are now available at the click of a mouse.

Questions that people pondered without any answer previously can now simply be typed into any convenient search engine and answered almost immediately. There are countless sites filled with informative short articles all over the Internet. Videos and music can now be seen on demand and news from across the world can be delivered in an instant.

There are some people who worry that the technological revolution and evolution we are experiencing today is moving too fast. There seems to be a loss of privacy in some respects and the specter of a Big Brother society looms larger than it has since 1984. Whether their fears are well founded or not will remain to be seen, but it is unlikely that people will ever willingly Give up the almost instant connections to our wired world.

Flying in the face of these fears are individuals who share their worlds through their blogs. What used to be shared with only close friends is now put online for millions of people to see if they should happen upon the blogger's website. Individuals are learning to take advantage of this by using their well placed blogs to sell products and services. The internet has allowed individuals an opportunity to step on to the same playing field as the big boys of business. With the right information and the ability to get it seen, anyone can now reach the masses and share their thoughts, feelings and even sales pitches.

Businesses as well as individuals have come to relly on the Internet as a source of advertising and actual sales. Entire business models have been constructed and thriving based solely on using Internet websites. It is rare today to find a traditional brick and mortar establishment that does not have some type of online presence. Any business that does not adapt and grow to keep up with the latest technology seriously risks being left behind in the wake of their competitors who choose to ride technology's leading edge.

Time will tell where this all will lead. We should make the most of the positive capabilities technology promises, but we should also keep a careful watch on where we are going.

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High Risk, Moderate Risk and Low Risk Investments

For those looking to invest, you should know that many investments can be categorized as being high risk, moderate risk and low risk. Investing is not difficult, but you should always put lots of thought and planning into it. It is also extremely important to educate yourself about the many different investments available to you so you can find those that fit best with your specific situation and lifestyle. Here are some tips regarding the three categories of investing.

Low Risk Investments

While low risk investments are usually very low key and rarely are extremely glitzy or publicized, they do offer conservative investors a way to save money for the short or long term without the risk involved that you find in other forms of investing. Low risk investments usually pay the lowest yields, but are far less volatile than many other types of investments. Low risk investments include money market funds, certificate of deposits and some types of bonds. Low risk investments are perfect for those that want to make sure there money remains safe and secure. While low risk investments don’t offer high returns, they do offer stability and security for those that can’t afford to lose money or would just like to avoid as much risk as possible. Expect low risk investments to pay out yields of 1% to 5% annually.

Moderate Risk Investments

Moderate risk investments are perfect for those that are interested in investing for the long term and would like to earn moderate yields. Moderate risk investments are usually certain kinds of stocks, bonds and mutual funds that pay handsomely over the long term. While generally riskier than saving money in a bank, for those that are looking to invest for the long term, historically speaking you will grow your money quite nicely. Moderate risk investments usually use the power of compound interest and time to create a nest egg from 10 to 40 years with regular savings. For instance, saving 1K per year at an interest rate of 10% for 30 years can return close to 200K. Moderate risk investments usually return yields of 5% to 12%.

High Risk Investments

High risk investments are those investments that if you are lucky can return huge yields, however the downturn is that they can be extremely volatile and in many cases instead of getting rich off your investment, you find yourself losing some or all of it. High risk investments include penny stocks, international stocks, some types of Forex trades, etc. The sky is the limit for returns, but many high risk investments- if considered a winner should return yields that range from 10% to 30%++.

Online Travel Agencies – Benefits and Disadvantages

When it comes to the choice between using an online travel agency or not for your next trip, there are several factors to consider with several pros and cons.

One of the main concerns that seem to arise with online travel agencies is the trustworthiness and security of paying such large amounts of money online. While online security is a major factor for any online travel agency, this is true of all online businesses. So it is more a matter of choosing a travel agency online with a quality reputation by looking at their customer reviews and seeing what their actual site itself is like. What's more, when you are logging on and preparing to pay for any online costs, there should always be that small symbol of a lock at the bottom right hand side of the screen as a sign of the level of security attached.

The benefits of using online travel agencies are those like their physical counterparts, they are available at any time, ideal for emergency travel situations, and also for any late after-hours bookings that you need to complete. Additionally you can compare travel deals and special available all over the world in order to find the very best deal for you and your travels. What this means is that while a physical travel agency will have a great range of deals for you, they are limited by who they can work with in terms of other travel professionals. With these online agencies, it up to you to decide who you work with, allowing you to create your ideal travel plans.

What you may also find when working with online travel agencies that you will have a great range of methods to pay for the holiday, offering greater flexibility and financial choice. These choices can range from the standard credit cards and accounts to payment plans and travel accounts.

Overall when talking online travel agencies it is more a matter of preference of the customer and how they prefer to do their business, either online or in person, that should dictate how they book their travel plans.

Car Charity Donations: How To Go About Them Seamlessly

Every once in a while, the need for a new car arises, and when it does, many people are often at a loss on what to do with their current or old car. The options most of them have in mind include delivering the old car to a junk yard, selling it, or possibly relinquishing ownership to a friend or relative. Yet, car charity donates provide a fourth and better option, which is totally hassle-free.

First things first, car charity donation reiterates the transfer of ownership of an automobile one no longer needs to a charitable organization. People do this for various reasons including tax relief, but before one jumps onto the bandwagon of car donation, they need to know the basics of how car charity contributions work.

People have been told that the process of donating a car to a charitable organization is as easy as calling them to come and drive or haul it away. Well, this is true, but like everything else in life, one has to prepare their car for donation to avoid unnecessary complications that may come afterward.

Since the donation process involves a complete transfer of ownership, it is advisable to capture clear images of the inside and outside of the car, if possible, with dates. This is necessitated by the fact that once the car leaves the custody of the donor, so does its official documentation including proof of ownership documents. Some unscrupulous individuals or organizations are likely to take advantage of this loophole to defraud otherwise good-intentioned citizens of their cars for selfish gain. Having clear images of the car just before the donation can help with the recovery process should the need arise.

Another element of preparation worthy considering prior to donating a car to charity involves keeping track of repair and maintenance records. This applies to cases where the car needs to be fixed before before donation. The service and spare part receipts increase the value of the car when dealing with the taxman.

Once these preliminary preparations have been completed successfully, it is time to call the charity organization to come for the car or drive it there. Most people tend to focus only on this step to show how easy it is to donate a car to charity. It is, but for the individual who seeks to draw the full benefits of donating a car to charity, the outstanding preparations are inevitable. When a representative from the organization finally comes for the car (they normally do), it is critical to ensure that they leave behind a document showing the full details of the organization in question, the car, as well as the time and reason for pickup . This should be some sort of receipt acknowledging the donation.

The above step concludes the donation process. What follows is beyond the donor's influence. All they can do from this point onwards is to wait until the car has been sold. Typically, the charity organization notifies the car donor of a sale within a span of one month after the sale is made. If they fail to do so, the donor has the right to make an inquiry about the same. When the organization sells the car, they are obliged to supply the donor with a written acknowledgment of the sale.

The donor can then proceed to claim a tax relief from the IRS using the donation documents and any other relevant documents. Also, of critical importance is that the donor may be required to inform the relevant authority about the change of ownership depending on the state in which they benefit. This serves to protect the donor from bearing the burden of tickets and other car-related costs, which should be paid for by the next owner of the car.