Know The Right Salsa Beat

The best dances do not necessarily mean you should know the most difficult moves. Simple steps when done on the beat are just terrific and enjoyable. Salsa beat is special and it gets some listening and practicing to get it right. Santa Monica salsa lessons teach how beginners should identify the music and pick out the right salsa beat.

To begin with, there are a few things you should be able to classify when you listen to salsa music. First is the BEAT. The salsa beat is like a pulse in a heartbeat. It is repetitive in its sound and follow a predictable manner. Next is the melody. The melody has different tones. It is the actual theme in the song. Then comes the rhythm. This is a pattern that changes according to genres of music. Salsa has a 123 step step step pause rhythm pattern.

When you join Santa Monica salsa lessons, you will find that the salsa beat has 8 beats. If you closely listen to salsa music, you will find that the musicians accent the notes on the 1st and 5th beats. When you find the 1st beat, and count till 8, you will know that you have found the beat. You need to then start counting from 1 and reach 8. On 8, the same pattern is repeated. You must only step on 6 of the beats, that is, 1, 2, 3, 5, 6 and 7. 4 and 8 are skipped so you can count them silently in your head. Santa Monica salsa lessons stress on spotting of the beat so it is great for beginners to learn.



Source by George G Gant

One More Article About Auto Insurance

What Is Auto Insurance?

Auto insurance is a product that is purchased and also that can pay for damages to your vehicle or others' vehicles in the event of a car accident or non-accident related harm. Each state has its laws regarding the amount of car insurance that each person should have to be able to drive legally. Many different factors influence auto insurance rates, as well. It does not even base on various companies; It is up to the insurance industry to determine what car insurance is and how much each person will pay for auto coverage.

What is car insurance? It seems like a very fundamental question. However, there are many different facets and elements to consider about car insurance that it can get complicated very fast if you're not prepared for what you're getting in. You need to know how rates are more calculated what types of coverage are available, how much coverage you need or can get, and which companies offer the best auto insurance for your needs.

What Does Auto Insurance Cover?

Auto insurance is used to protect you the individual or a business or organization from financial loss in regards to a motor vehicle. Financial loss can happen due to many reasons, and having auto insurance can cover your losses in a variety of ways.

Liability for Property Damages

Responsibility for property damages is coverage against damage you or a person driving your vehicle with your permission does to someone else's property. Costs can include the other vehicle, utility poles, fines, buildings, homes, businesses, or almost any type of structure your car comes into touching.

Collision

Collision coverage usually protects your vehicle from damages resulting from an accident with another vehicle, pothole, car flipping over, etc. Collision coverage will pay for repairing your vehicle, or if your vehicle has damaged the accident, it will refund you for the value of the car subtracting deductible and in many cases other costs.

AUTO INSURANCE IN THE USA

Auto insurance is a necessity, and this is amply evident from the fact that all states of the USA have made it mandatory to have car insurance on all vehicles. Most of the time, this appears to be aothersome exercise, but why to wait until you get involved in an accident to find out how taking an auto cover takes care of your assets and you. High medical expenses and lawsuits judgments on the rise make it worthwhile to protect yourself and your precious vehicle with car insurance.

Furthermore, all jurisdictions have made it compulsory to have two auto insurance systems – the no-fault system, and the Tort system. The former type of insurance favor in most states dictates that your insurance carrier will pay the damages claims no matter who caused the accident in reality. The amount payable is up to a specified limit, and if you are involved in an accident, your carrier is liable to pay for the injury. As against this, the Tort system the injured party will have to take care of the medical expenses from their packet and then claim it from the guilty driver's insurance carrier as recompense.

With the number of accidents and theft occurring broadly in the USA, it is essential for every auto owner to buy such an insurance coverage to secure both the vehicle as well as its owner in times of need.

In the USA if you want to have a car on the road you have to have auto insurance. Some states even have coverage minimums where you have to have a certain dollar amount of coverage; Usually, this is called primary coverage.

How To Get Better Auto Insurance In The USA

Auto insurance covers accident to a car. The insurance company pays for the financial loss to the owner in return for a small amount of money paid periodically. The amount paid annually is called premium, and the contract you draw up with the insurance company is known as the insurance policy. The insurance company allows you to hold the contract, and you become the policyholder.

Car insurance may not come cheap. However, under unforeseen circumstances of loss or damage to your vehicle, compensation will seem like a godsend. Periodically shelling out lumps of money for protecting your car or cars owned by your business, may look expensive. There could be a tendency to try and cut corners by availing the minimum motor insurance packages. However, even minor car damage is overly expensive; Therefore, a minimum package may not give you the intensive coverage at a time when you need it most.

Types Of Auto Insurance In the USA

The most common types of auto insurance available in the US are the Liability Insurance, Auto Collision and Comprehensive Insurance, Medical Payments and Personal Injury Protection, and the Uninsured Motorists and Underinsured Motorists coverage. Most modern companies offer these.

Liability insurance cover pays for the damage you cause to others and their property. It pays for the legal expenses involved and for the expenditure for the victim going to the court claiming damages, within your liability limits. In a case of an accident, the costs of repairing your car are covered by the collision insurance. The comprehensive insurance covers damages caused by accidents other than car accidents, such as natural calamities, theft, fire, vandalism, and hitting an animal.

In a case of the insured person and the co-passenger needing medical treatment for bodily injury due to an accident, this is covered by the Medical Payments coverage. Personal Injury Protection will cover the medical expenses and the losses lost by you and the co-passenger if injured in the accident.

Why You Need Auto Insurance

The primary objective of any insurance is to protect the policyholder and his family against the consequences resulting from an unexpected injuries or death and financial burdens in the event of these shortcomings. It is a contract between the related insurance company and you, where you agree to pay the premium for the losses that the insurance company will need to cover in the event of accidents.

The auto insurance covers these three main areas:

Property coverage – refer to the damage or the theft of your car

Liability coverage – related to your legal responsibilities to others whom might in the cause of the property damage loss be incapacitated

Medical coverage – refers to the medical treatments, therapy charges, rehabilitation, lost in the ability to work, or even funeral expenses where there are faculties.

The Work Of Auto Insurance

The auto insurance also protects you from uninsured drivers or motorists. In this case, the uninsured motorists or drivers have no insurance company to pay you for the damage that had happened, but luckily you still have your insurance company to bear the losses.

Protect the bank which had provided the car loan to finance your vehicle. Because if there are any disaster happening to your vehicle, no one will be able to lend or provide any additional money to you to fix the car other than the auto insurance company. Otherwise, you will need to repair the damage made to the car by your own, and this would prevent you from paying for the periodic monthly loan on time. The consequences are that the bank will not lend you any more money in the future, with the bad credit standing which you are in at least for some considerable amount of time.



Source by Mike Heuer

IT Support Services to Banking Sector

With the other industries the banking industry is also growing at a significant good rate today. The main reason behind this is the use of the latest technology tools. In the olden days banking was done on paper but now it is done electronically with the help of computers. Many IT support companies are giving their IT services to the banking sector.

It has been observed during the last few decades that IT infrastructure services have been taken by the banks and other financial institutions. In the early 80s the banks started to make their branches computerized and were purchasing the software packages. In the early 90s replacement of the computer systems with the inexpensive and latest technology powered PC’s began. Information technology opened up the way for the banks to make their products sophisticated, diversified and adopting new techniques and make better market infrastructure. The internet has become the remote channel of communication between banks and its customers.

The E-Banking came to the United States of America and the United Kingdom in between 1020 to 1030 and now India is also following it. Most of the banks have made their services based on these technologies and equipments which are offered by many IT support companies. Now the customers can view their account summary, status, receipts, transaction records, can make online funds transfer and many more online options like these. Undoubtedly today banking has become more fast and easy and the customers’ expectations are also increased. Now the customer needs not to have its account summary on registers because everything is now online with the advent of the internet technology which is providing many benefits to the customers as well as the banks.

A customer can take his cash fast and easy with the use of an ATM machine. He can use his debit or credit card for purchasing purposes. He can use e-cheques, mobile banking, telephone banking and internet banking for remote transactions. He can also make payment transfers when the bank is closed. Easy to keep an eye or monitor the account status. It is cost effective for the bank because thousands of customers can be handled at a time and no need to use so many clerks.

We can say that technology has always played an important role in the growth of financial organizations and banks. It has shortened the paths of long transactions to smaller ones. It is giving proper service quality and satisfaction to the customers.



Source by Vikram Khanna

What is Character?

What is character? According to the dictionary, character means

1. a distinctive trait;

2. behavior typical of a person or group;

3. moral strength;

4. reputation.

Character is an evaluation of a particular individual’s moral qualities. It can also imply a variety of attributes including the existence of lack of virtues such as integrity, courage, fortitude, honesty and loyalty, or of good behaviors or habits. When someone is a moral character, it is primarily referring to the assemblage of qualities that distinguish one individual from another.

When we watch a movie or read a book we usually think of the characters. Even though sometimes the character is complex most of the time they tend to be usually good or bad. Even in the early days of the western, you could tell the characters by the color of their outfits and hats. Although we tend to support the good character and cheer them on as they go about their lives. We want to see them succeed. But in real life character is much more complicated. We are all an array of good and bad character traits. We need to make a conscience decision to do what is right. Depending on your choices, we are either rewarded or have to pay the consequences.

The United States Air Force Academy definition is “We define character as the sum of those qualities of moral excellence that stimulate a person to do the right thing, which is manifested through right and proper actions despite internal or external pressures to the contrary.”

When we think of someone with good character or morals we can find many who fit the bill. One of the men I think about is Noah. Even if you are not biblical you have heard of Noah. Noah was a man who God chose as being a person of good character. Noah was a just man. He was righteous in conduct and character. He was a man vindicated by God. He was also able to maintain his integrity as he was being ridiculed by his peers. He was a role model for them and by being a man of good standing and did not waiver in his conviction, God protected Noah and his family.

Another quote by an author unknown says, “Watch your thoughts; they become words. Watch your words; they become actions. Watch your actions; they become habits. Watch your habits; they become character. Watch your character; it becomes your destiny.”

In looking at the negative side of character for a brief moment. The current situation on Wall Street shows the CEO’s of these firms as greedy. Shows a lack of integrity.

Once your character has been destroyed how long do you think it would take for others to trust you again? Would your character ever be totally repaired? Would there always be a hint of question surrounding you?

Remember when dealing with others keep your character intact. Also, remember the true test of character is what you do when no one is watching you. Do you act the same way when you are alone as you do when you are with others. As Abraham Lincoln said, “Nearly all men can stand adversity, but if you want to test a man’s character, give him power.”



Source by Nancy A. Wood

Album Review: Andrew Bird – Break It Yourself

Chicago native Andrew Bird's latest offering "Break it Yourself" stays true to the clever wit and one-of-a-kind whimsy that fans have come to expect from his music.

As a master of blending virtuoso violin playing and a signature whistling style that's seemless in its own right (among other delightful flourishes), Bird manages to always effortlessly maintain a pop sensibility that warrants repeat playing without becoming too dull. It's no different this time around.

On "Desperation Breeds", the album's opener, Bird delicately ruminates on the world's bee shortage before slowly breaking into a high pitched violin squal that that dips into a frenzy of his trademark fingering skills. It almost literally sees to channel the frustration and confusion of the bees themselves.

"Eyeoneye", a track that manages to correlate heartbreak and the complications of a tumor called a teratoma is as catchy as anything he's done in the past, if not more so. The driving force of the melody makes vulnerability seem like a fun experience that no one should miss out on. This is especially clear towards the end when he sings / chants "Go ahead and defibrillate yourself" before the pounding drums build to a crescendo … and then fizzle with, of course, a light whistle; As if we just ran a hardcore marathon like it was nothing. Exhaustion does not exist here, but exultation.

The hearbreak theme continues in "Near Death Experience Experience", where the happiness of surviving a plane crash is dancing "… like cancer survivors … grateful simply to be alive". But do not let the dark subject matter fool you. The careful mood of the song is so happy it's like skipping down a sidewalk under a row of apple trees. Only when the apples hit your head do you realize the power conveyed in the lyrics of triumph over pain.

Who knew the subject of conquering fear and doubt could be so purely gorgeous? Take "Fatal Shore", where a mellow Mr. Bird mediates on the subject as quietly subdued as ever, but no less emotionally powerful as some of his best tracks. The drums gently tap along with the guitar and bass like a gentle stroke on an aching back as Bird and vocalist Nora O'Connor harmonize beautifully while repeating such lyrics as "You never know any doubt like we who break in and out".

A welcome comeback since 2009's "Noble Beast", we get a record not quite as immediately accessible or endlessly playful, but one that still stands as strong as most of his best work does. The details become more evident with each listen, and that's when the realization sets in: "Break it Yourself" is not just an album about a break-up. It's actually a complete, beeing entity, not too unlike a heart with its own love to give.

I personally would not want to break this kind of heart by myself. That's where you, the listener, comes in … to feel the joy of heartbreak. An oxymoron that only makes sense in Andrew Bird's world.



Source by Justin C Pearson

How to Enter Foreign Markets

Which foreign markets

The profit potential of a foreign market will differ from company to company. The decision on which market to enter, lies not only within the potential of a company to increase its profitability, but also the risks associated with doing business in that specific country. Preference should be given to countries that are more attractive in terms of long run profit potential.

When should you enter

Another important decision to make, is when to enter a foreign market. The entrepreneur should decide whether he wants to gain a "first to market" advantage and build sales volume, but then also run the risk of a product not establishing itself in the new market. The alternative is to wait for a competitor to enter the chosen market first, and then reverse the "first to market" effects.

The scale of entry

Entering a market on a large scale implies that that the company will have to invest in significant resources, which will definitely make it easier to attract customers and distributors – simply because it may create the impression that the company is in the market to stay there.

However, by entering on a small scale, the company can learn about the foreign market and thus limit the risks associated with trotting in unknown waters.

Ways of entering a foreign market

Exporting

This is the least risky way to enter foreign markets, as it avoids the substantial costs of establishing manufacturing operations in the new market. A disadvantage of exporting is that high transportation costs can make exporting uneconomical.

Turnkey projects

Turnkey projects can be described as exporting process technology to other countries. In a typical project, the contractor agreements to do the training of operating personnel, above other similar start up activities, so that at the end of the contract period, the foreign client is handed the "key" to a plant that is ready for full Operation.

Licensing

This is an agreement whereby a licensor grants the rights to intellectual property (patents ,ventions, copyright etc.) to another company (licensee) for a certain period. The licensor would benefit from royalty fees without having to bear the development costs and risks associated with operating in a foreign market.

Franchising

The Franchiser sells intellectual property to the franchisee, but also contractually forces the franchisee to abide by strict rules as to how it does business. As with licensing, the franchisor typically receives a royalty payment. The franchisee assumes the costs and risks of opening in a foreign market.

Joint ventures

A joint venture is formed when two independent companies establish a firm that is jointly owned, one of which is a local company. The two companies would typically contribute a team of managers to share operating control. A joint venture enables a firm to benefit from a local partner's knowledge of the host country's competitive conditions, culture, language, political systems and business systems and also to share costs.

Wholly owned subsidiaries

In a wholly owned subsidiary, the firm owns all the stock. The firm can either set up a new operation in that country, or it can acquire an established firm in the host nation.



Source by Concha Stroebel

Importance of Lyrics for an Ideal Song

Recently, while I was listening to music, I was thinking of lyrics and music of that song. Does lyrics play a prominent role or music in a song? Maybe this is the most common thinking that many of music listeners have them in mind. Let us gain some clarity for this confusion. Lyrics contain verses and choruses that make up a word and these words make a song. Any song before it is being done goes through several interpretations and to become an ideal song, it should have a message in it. Since lyrics are used to convey this message, it is definitely considered as important part of any song.

However, there are few songs that concentrate only on music rather than lyrics. Though lyrics are fine enough, if the music is not good then listeners won’t show interest in that song. Let us think that you have the best songwriter to write a beautiful yet lovely song, but if there are ugly music sounds in the background no one would show interest in it. Here comes the importance of music in a song.

It is not good to rely completely on lyrics or on music to make your song popular. Both of them have their own importance which is an acceptable truth. However, you can find many artists who become popular for their lyrics alone or music. The quality of song is determined by both lyrics and music. They both go hand-in-hand. Nowadays, lyrics have become the effective medium to convey any social message, especially to young people. We should never underestimate the power of lyrics, as this has more significance than ever. Every one of us relates ourselves to the lyrics in our special song and it becomes the important song in our lives.

We cannot imagine this world without music as it has become an essential part of our life. From celebrations to grief, every occasion begins and ends with a music. Music makes us feel and lyrics make us think. This is the reason we can emotionally relate to the song and it can manipulate our mood without our knowledge. Thus both the aspects of music and Lyric are equally important, but we should never ignore the meaning of lyrics as it can show an impact on the listener. The key element to be considered while listening to music is give Value to the lyrics and enjoy tune of music.



Source by Achal Mehrotra

Importance and Advantages of Fire Extinguishers

Fire extinguishers are among the items we own that we do not want to use. These devices end up on the wall or at the corner of the room gathering dust. This makes other homeowners doubt if they really need one.

We know that owning such device is important for our safety. We do not want to use them no matter how many we own because we do not want to deal with fire. Although we know that it is possible to happen, we do not entertain the thought of it occurring.

Owning a device such as the powder fire extinguisher is a form of ensuring safety. All homes need it just in case a fire starts. It can save our property from burning because the use of the device will help prevent it from spreading and can even stop the flame in no time.

In addition, extinguishers have various advantages. Below are some of them:

1. You do not have to buy one every month or every year

The device is long lasting. Some disposable types have a shelf life of twelve to fifteen years. You only have to see to it that you observe proper maintenance. You can also refill other types. It is like buying something that can protect you for the longest time and you do not even have to mind it is there as long as you can access it when the need arises.

2. It occupies a small portion of the house

You do not have to worry about its storage. This is because of several reasons. First, you do not have to hide it. Next, you can hang it on the wall. In addition, there are available fire extinguisher cabinets that will help you organize them.

It is all right if the guest can see your fire extinguishers. In fact, it is better. People who will visit you will feel secure because of the precautionary measures you are taking.

3. It is easy to use

Using it is easy. Once you know how it works, it is easy for you to use them when you need to. You only need to remember these four steps:

a. Pull the pin out of the top of the device.

b. Aim the nozzle at the fuel source.

c. Squeeze the lever to release the contents of the device.

d. Make a sweeping motion as you squeeze the lever.

4. It does not require tough maintenance routine. This varies according to what the manufacturer tells you. Some powder fire extinguishers will require you to shake its container once a month. Others on the other hand will need maintenance check twice a year.

5. Certain types stop the fire and leave your appliances undamaged. This is a major concern in offices. How will you stop fire without damaging the computers and other machines? Manufacturers have this in mind and developed devices that are not toxic to the electrical devices but can still stop the fire.

Although you think that you will not use an extinguisher, it is wise to invest in them. It is better to be ready than feel helpless in the end.



Source by Brian Ayling

17 Hot and Sexy Love Notes to Send Your Man

A love note doesn’t have to be sweet and romantic, although those are certainly fun to give and get. But a sexy, mouthwatering little secret love note can be just the ticket to inflame and excite your husband or boyfriend on Valentine’s Day or any time.

You can let the things that you love about your man be your guide as you write your first sexy secret love notes. For example, write a note that says, “You look incredibly hot in these jeans. How can I possibly resist putting my hands on you when you’re wearing them? Or not wearing them…” and leave it tucked into the pocket of his favorite jeans.

You can use one of the ones below or let these inspire you to pen your own delicious declarations and sexy invitations. Be as naughty or as nice as you like!

  1. I might forget the score of the big game, but I’ll never forget the hot and sexy action you and I got into after all our guests left. Here’s to more… scoring, baby.
  2. I find you to be absolutely mouthwatering.
  3. Thank you for the incredible bath and massage last night. I can’t decide whether it’s more exciting to get dirty or clean with you!
  4. You make me feel warm and wet in all the right places.
  5. It doesn’t seem to matter how many times you and I make love; I still want to do it with you again. Here’s to another 10 years of fabulous sex.
  6. Are you ready to feel me wrapped around you again tonight?
  7. I’m a little sore, but I can’t seem to wipe the incredibly satisfied smile off my face today.
  8. Let’s meet at our favorite restaurant tonight. After that, I can be dessert.
  9. I have several places I would like to have lightly bitten. Know anyone who could handle that for me?
  10. How fast can you get me out of my clothes? I’ll help.
  11. I completely forgot to wear any underwear today.
  12. Would you like to see me on my knees, mouth open, ready and waiting? Meet me in the bedroom at 10:30 pm.
  13. My hands are so warm and I wonder if you have something I could… play with?
  14. I’ve been quite naughty. What are you going to do about it?
  15. I can’t stop thinking about the hungry way you were looking at me last night at the office party. Still hungry?
  16. The way you kiss me on the back of my neck makes me want to take all my clothes off.
  17. After the kids are in bed tonight, I have an ache I need you satisfy.



Source by Jill Rilla