Online Computer Science Schools

August 14, 2016

Computer education is a necessity these days as tasks in all professions has become digitized. Computer sciences applications have a far reaching impact on how we live our day-to-day lives and the need for computer trained and IT professionals is greater than for any industry or field in the world today. In this Article we review how online computer sciences courses can help prospective professionals find careers in any industry.OverviewComputer sciences are the study of the foundation of computing logic and the applications to computer architecture, hardware and software design as well as specific applications to program development and the use of industry standard technologies. The education starts with the study of natural sciences as they relate to computing and then diverges into a study of the specific niche area – such as hardware, software, graphics and information technology etc. Most institutions offer students the opportunity to learn about all these areas to some extent before choosing a specialization.

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Online computer sciences institutions offer students a variety of fully online – to – blended courses in a variety of subjects; students can complete a choice of degree or certificate at any level (diploma, associates, bachelors, masters, PhD or certifications through shorter courses) in general computing or a specialized area – all from the comfort of their own homes and be able to work around their jobs and schedules – without having to enroll for time consuming classes and without having to relocate or spend and money commuting to and from lectures.Enrolling in an online computer science course means prospective students can now fit their education around their work and personal schedules and save the money and time normally required in order to attend lectures and lab sessions. Most online institutions offer their enrolled students a free online resource center for all the information – e-books, lecture slides and practical experiments – that is need in order to finish their coursework.Areas in computer science educationTheory of computation: This area deals with the logic use by computation systems and the mathematics that relates to computational logic. It defines the limits of computability (solvable problems) and computational complexity (resources required to solve these problems in terms of time and space).Algorithms and Data structures: This side deals with functionality such as searching data storage structures and the formation (of models) of data storage (linked-lists, arrays, trees etc).

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Programming Languages and Methodology: This area addresses the methodology used to formulate problem solving software code and the programming languages that are used to write viable code. It also deals with modern software development tools and tricks-of-the-trade which are used in modern compilers to formulate accurate running code. Languages may include c, C++, Java, c-sharp etc. Tools may include Visual C++ etc. This area defines the methodology of writing logical code step-by-step and the use of common best-practices.Computer Architecture and logic design: This area deals with the knowledge of how a computer processor works and how is uses its resources to solve computational problems by breaking complex code down to minor mathematical and logical problems. This area includes digital design, automation, architecture and compilation.

Three Types Of Livestock That Can Be Raised By Beginner Farmers

August 9, 2016

When people move from the city life to live in the country side they get interested in raising livestock. The reasons may vary as to why people want to raise livestock, some people raise them as pets and some raise them because they want to make some money by selling the livestock produce.What ever reason may be, raising livestock can be done by almost anyone who is dedicated to being a livestock farmer and someone who is willing to put aside a lot of his time in managing and taking care of their livestock. In order to raise healthy livestock you have to give the animals proper care such as feeding them nutritious food plus clean water on daily bases, building them some good shelter and have them checked by a veterinarian for health issues.There are various types of livestock you may want to raise as a beginner livestock farmer. Some of them need more care than others and maybe suitable for new farmers to raise. Three types of livestock that are suitable for beginner livestock farmers are goats, cattle and sheep. Below are more details on how you can go about raising them.Raising Cattle:A lot of farmers start by raising cattle in their farm ranch. Cattle are a stress free livestock to raise when taking good care of. Their produce such as milk and meat is in high demand in the markets for its nutritious benefits. When you own cattle you will be able provide your family with fresh milk on daily bases and save lots of money in buying milk.

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When starting out in raising cattle you have to first choose the kind of breed you want to raise. There are over 800 types of breeds which are in 3 different categories known as the zebus, the hybrids and taurine cattle. Some types of breeds are good for the production of milk whilst others are suitable for meat production.When raising different types of cattle a farmer should install stalls that separate those that eat grass and hay to those that eat sophisticated feeds.Since cattle are grazing animals you have to have some large piece of land if you want to raise them. The land in which they graze on has to be well fenced so secure the livestock. For the fence you can either use electrical wiring or use a wood and steel fence. You should also prepare some equipment needed to raise cattle such as pails, water containers and feeding beds.Although cattle don’t require some sort of roofed shelter that doesn’t mean you can’t build one. A roofed shelter will also help you in storing your livestock equipment and can be used to milk your cows.Raising Goats:Goats are another type of livestock that can be raised by a beginner farmer and they are less prone to diseases than cattle. They can also be raised for the production of milk and meat which high in demand and cost more than cattle produce.When starting out raising goats you have to first make up your mind on what type of goat breed you want to raise. The type of breed depends on the end product you want to produce from your goats, you can either raise goats for the production of fiber, tasty meat and milk that is high in nutrients.Once you have made up your mind on the type of goat you want to raise you have to decide on the number of goats you are planning on raising. Knowing the number of goats you are planning on raising will help you estimate how large your land should be. One thing to note is that goats reproduce almost every year so the land should be large enough to accommodate the growth of your herd.Goats also need some shelter to rest at the end of the day. The shelter should be large enough for all your livestock to fit in properly without being over crowded. The shelter should be comfortable so that they can sleep at night and protect them from harsh weather such as too much sunlight, rain and snow. Don’t forget to fence the entire grazing land so that predators don’t attack and kill your herd.Raising Sheep:Raising sheep is very interesting and rewarding as raising cattle and goats. These type of livestock can be raised for various reasons such as producing quality wool, producing cheese from its prolific milk and the obvious tender meat. These produce can also be sold since they are in high demand.Sheep are animals that like grazing the field. If you want to raise healthy sheep then you have to have some large land of green grass for the livestock to graze on. Although feeding your sheep grain supplements plays a big part in their diet, grass fed sheep produce a higher nutritional value produce. Since sheep like grazing in a large group as a livestock farmer it can be daunting to manage them on the field so it would be wise to have a helper dog to assist you.

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An essential part of raising sheep is keeping them within their confines, this helps them in not getting lost in the wild and end of being eaten by wild animals such as bobcats, bears and wild dogs. At the same time it helps in keeping these predators out of the grazing area. Using an electrified fence can help a lot and its easy to install as well.In order to ward off natural elements that can be harmful to your livestock you have to invest some money in building good housing for your sheep. When designing the house make sure you build a chute to manage the sheep when you need to make some checkups on each and everyone of them or when vaccinating them.As you see raising livestock can be done by almost anyone even if you don’t have any past experience or were not raised in a farm ranch. Just like any other type of pet they need to be taken care for and make sure they leave in comfortable conditions.When starting out its best to first start with raising one type of livestock then move on to another type when you have gotten the experience from your first set of livestock.

Could Now Be the Time to Start Up a Domestic Services Franchise

August 22, 2016

Domestic Services franchise businesses make excellent recession tough businesses in the UK. Owing to the reality that numerous domestic services are necessities its possible that any franchise opportunity in this industry will flourish since there is continuous need due to services breaking down or requiring service.Domestic Services franchises cover a variety of services for example:-

Domestic Cleaning Franchise opportunities
Domestic premises always require cleaning whether it be general house cleaning, carpet cleaning, upholstery cleaning and other such services.

Handyman Franchise opportunities
Theres always odd jobs that need doing in the house and finding a handyman is not as easy these days as it was. Specialist handyman franchise opportunities have been formed which provide for this marketplace.

Kitchen Service Franchise businesses
Kitchen services such as oven cleaning cover the sort of jobs people put off forever and having another person do it for them is an desirable offer. Kitchen door replacement franchise opportunities can give a facelift to a kitchen which is in need of a sprucing up.

Utility Franchise opportunities
Gas and Electrical services are more and more regulated and there is a perpetual requirement for people with the training to perform home electrical and gas servicing and maintenance.

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As with any business investment, when looking into taking on a Domestic Services Franchise business its prudent to carry out your research properly:-
What is it you enjoy doing? Study the selections and see what works best for you. You can see our %LINK3% section for a helpful variety of franchise businesses.
Take time to assess your funds and savings… what are the franchise costs and setup charges involved in the franchises for sale that are of interest to you
Make contact with the franchisors which attract you and discover everything you can in relation to their systems.
Organise to go to the franchisors head offices and get some insight into their operation and backup facilities.

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Pick up a list of franchisees that you can chat to regarding each franchise. This will usually provide you a reasonable, on-the-ground view from those people who are operating the franchise system as a lifestyle.
Ensure you are up to date on the legal side of investing in a franchise by talking to a professional franchise lawyer.
A good number of the major banks have franchise departments… get in touch with them to discover what funding and facilities are offered.
In conclusion, make your choice and commit yourself to the necessary training and working the established system.

Affordable California State Child Health Insurance Plans – I Can’t Pay Much

September 9, 2016

Finding Affordable or No Cost Insurance For Your ChildEvery child needs dependable health insurance. However, not all parents can afford the full cost of private medical insurance. As a result, there are a variety of programs offered by the state of California and private organizations that can provide health care to financially strapped families. Through these programs, there should be no child in California that doesn’t have health insurance.In the sections below we will give an overview of the child health insurance programs that are available in California. Some of these plans provide complete coverage for children at no cost, and others provide just the basic services. Then we’ll outline the steps parents should take to find the best program for their children.Medi-CalThis is the name for California’s Medicaid program. The program is administered by California, and is financed equally by the Federal and State government. Medi-Cal provides no cost health insurance to low-income families, seniors, and people with disabilities. People that qualify for Medi-Cal can receive free preventive care, treatment for injuries and illnesses, dental care, vision screening, and mental health treatment.This program is one of the cornerstones of the Affordable Care Act, and will expand considerably to take in new people in 2014.Healthy FamiliesThe healthy families program provides low cost health insurance to the children of low income families. This program provides a variety of services such as medical, dental, visions, and preventive care. The program requires families to meet certain income requirements which may viewed at the following link: http://www.healthyfamilies.ca.gov/HFProgram/Income_Guidelines.aspx

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The Healthy Families program is being rolled into the Medi-Cal program during 2013. The transition plan will ensure that families do not see a disruption in services, and will increase the benefits that children receive once inside of Medi-Cal. Healthy Families is still accepting applications for new children.Child Health and Disability Prevention Program (CHDP)This is not an insurance program. However, the program does assist low income families in obtaining preventive care and health assessments for their children. CHDP provides checkups, nutrition evaluations and guidance, immunizations, hearing, and vision screenings. This program is administered by the state Department of Health Care Services (DHCS). The program helps families determine their eligibility for assistance programs, and enroll in the appropriate care program, such as Healthy Families and Medi-Cal.Children’s Health Initiative (CHI)Children’s Health initiative is run by an independent non-profit known as The Institute For Health Policy Solutions (IHPS). CHI works with many counties to reach the low-income families with children that don’t have health insurance. CHI works with families whose income is less than 300% of the Federal Povery Level. By providing technical support and guidance, programs are created in each county to create “Healthy Kids” insurance plans in a partnership with the local communities and businesses.CHI helps families determine which state programs they qualify for, and can assist in the enrollment process.For information about CHI in your county, see the following map of California: http://www.ihps-ca.org/localcovsol/cov_initiatives.htmlCalifornia Children’s Services (CCS)CCS is a state program that provides health care assistance to children up to age 21 with special health problems. The program works with Medi-Cal and Healthy Families to provide case management and ensure that children receive the right care and see the right physicians for their special health needs. Examples of special health problems are cystic fibrosis, hemophilia, cerebral palsy, heart disease, cancer, and traumatic injuries.Steps You Should Take To Find Affordable Child Health InsuranceIf the mother of a baby is enrolled in Medi-Cal or the Aid for Infants and Mothers (AIM) program, then the steps below will not apply for getting baby health insurance after birth. In this situation, the baby will be transferred into Medi-Cal with the mother, or into Healthy Families or Medi-Cal if the mother is in the AIM program. For all other situations, use the steps outlined below.

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The first step is to look at the coverage map for the Children’s Health Initiative above. If CHI has an active program in your area, then this program can act as your partner in helping you get into the correct health program.

If CHI is not active in your county, then contact the Child Health and Disability Prevention Program. This office can help you through the process of finding the correct program and assist you in filling out the necessary forms, or they will put you in contact with a local office for assistance.

If neither of the steps above works, then you should contact your local Medi-Cal office. Medi-Cal will be your lowest cost solution, so start with this program

If you do not qualify for Medi-Cal, then contact the Healthy Families program.
No child in California should be left without health insurance. By providing the proper care and nurturing, we ensure a better future for our state. The programs we have outlined above can provide families with financial difficulties, the health care their children need. The first move is to follow the outlined path, taking one step at a time, and enrolling your child or children.

Flavor Pairings: Why Grow Herbs For Cooking, Cocktails, And Culinary Crafts

September 10, 2016

I remember my first herb class on growing herbs for culinary and creative crafts. I left that annual herb sale with young fragrant plants, with just enough knowledge to be dangerous wielding a trowel, and a perpetual enthusiasm that all contributed to help me form my first edible garden oasis.After a trip to Home Depot, I was armed with shiny silver tools, bags of potting soil to house my foliage friends, fertilizer to make them grow, and the inner drive to begin digging my way to becoming a green thumb farmer girl!Now, 20 years later, it’s hard to imagine my kitchen without a bunch of basil on the counter, herbs drying on racks, and jars of dried oregano and chocolate mint within easy reach at each meal. From summer’s juicy ripe berries, peaches, and tomatoes to fall’s vibrant harvest of squash, pumpkin, and sweet potatoes, onto holiday turkey and ham feasts, and into hearty winter stews and casseroles, herbs enhance every season’s fare!

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I’m still thrilled to witness the miracle of propagation each time with every plant. I shelter them in stormy weather, talk to them while watering, trim their leaves, and weed their beds. In return, I’m rewarded with savory, spicy, and fruity aromas, a relaxing hobby, a healthy method of adding flavor to food and cocktails that lasts all year long, and great natural photography backgrounds!Do you have herbs and are looking for ideas on how to use them? Do you see those little plastic packets of greenery hanging in the grocery store but have no clue what to do with them? Maybe you want to expand your culinary horizons and explore your green thumb capabilities? Many people are lured into using fresh herbs through the culinary route.This is the first in a series of articles on growing herbs for cooking, cocktails, and culinary crafts. Plus tips on pairing all kinds of flavors, from custom infused oils and balsamic vinegars to herbs, spirits, sweet and savory dishes. When you marry the right foods together into a succulent harmonious balance, the results are amazing and herbs contribute such character to your cuisine.This isn’t about becoming a food snob or being tethered to rules, except for this one; seasoning is vital in cooking and herbs go hand in hand with that philosophy. I’ll offer general guidelines along with novel combinations I’ve discovered but there’s no one taste fits all. It’s thrilling to develop original recipes and tweak the traditional dishes we savor. Play with new ingredients. It’s great fun to use homegrown edibles but if you don’t want to grow plants yourself, buy a few freshly packaged herbs from the store and practice cooking with them.Be daring with oil and vinegar selections. There’s a wonderful store called Savor The Olive in Virginia Beach that is a tasting room full of unique fused and infused oils and light and dark balsamic vinegars. If you have one of those in your area as well as wine tastings, take advantage of going for a visit. Experiment, so that your sense of taste gets stronger and more acute and it will tell you how much to use.

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Herbs add to the enjoyment of cooking and help you personalize what you’ve prepared. Being a chef is an art. Each person has a unique touch and flavor palate. The kitchen is your studio, the plate your blank canvas. Let instinct and imagination guide you. Herbs are one of the tools in your aromatic arsenal that enable you to present a mouthwatering masterpiece.Hope you’ll join me on a tasting tour of my fertile little deck farm as we pinch and smell the herbs, swirl and taste the wine, envision what main course will be the star of the plate, and tempt your taste buds with food that’s appealing to the eye and tongue.

Worksite Wellness Coordinators – 3 Measures of Your Program’s Effectiveness and Success (Critical!)

August 29, 2016

The fact that less than 50% of the worksite wellness programs today conduct any type of program analysis or evaluation is a huge problematic issue. You can better manage and improve what you measure. And you do want to better manage and improve your program as needed, right?Essentially, there are three broad areas within your wellness program that you can evaluate. They are: program structure, how the program is being delivered and the program’s expected outcomes.Program StructureResearch has found that effective, successful worksite wellness programs are well-designed and comprehensive in their approach. Therefore, an assessment of a program’s structure focuses on whether key structural components are in place. To assess your program, you need to ask yourself the following questions:1. How committed is your organization’s leadership to the program?2. Are your programming and interventions based on the needs identified by your comprehensive, organization-wide needs assessment?3. Are your programming and interventions aligned to the demographic and health status characteristics of your target audience?4. Are the topics covered relevant to your target audience?

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5. Are your programming and interventions evidence-based?6. Do coherence, consistency, and integration exist between the various components of your program?7. If you use incentives, does the value equal or exceed the requirements needed to obtain the incentives?8. Are your incentives appropriately designed for their intended purpose?9. Does your program have sufficient resources allocated and is the staffing adequate?10. Are the necessary organizational factors important to success integrated into the program design?11. Is the program seen as being a permanent, integrated feature of employee benefits?12. Is the program aligned with the culture of your organization?13. Is there an evaluation infrastructure in place for tracking program impact and outcomes?Program DeliveryEvaluating your program’s delivery is typically called a process type of evaluation. A process evaluation typically examines how well your program is being implemented, if implementation is going according to plan and how the operation and delivery systems are working out. Program delivery evaluations also examine if feedback is routinely being provided that will allow for any necessary or needed changes to occur.Questions to ask relevant to process evaluation include:1. Are the programs reaching and engaging your desired target audience?2. How many participate?3. Are participants completing the interventions?4. Are participants advancing in their readiness to change behaviors?5. Are participants becoming more engaged in improving their health?6. How satisfied are participants with the program?7. Are the programming and interventions relevant to their needs?8. Is the program being delivered in a similar way across all locations or workplaces?9. Are communications and branding strategies getting the attention of the target audience?10. Do the programming and interventions yield sustained participation over time?OutcomesEssentially, measuring outcomes is determining if your program is achieving its desired purpose, goals and objectives within a given timeframe. Typically, evaluation of outcomes is the primary concern of the employer and program staff or vendors. Are their expectations being met?

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The expected outcomes may differ from organization to organization, but typically fall into one or more of three categories: improvements in the health, safety and well-being of program participants, cost savings (generally viewed as being health related cost savings), enhanced individual and business performance metrics and an overall healthier organization.Speaking of outcomes evaluations, it is important to note that conducting a rigorous and credible ROI analysis is time-consuming, expensive, and requires a high level of expertise in statistical analysis, health services research, econometrics, and benefit plan design. An ideal measure of ROI would be to measure costs and savings associated with each program component separately.Measuring the value a worksite wellness program delivers is a much better and more easily doable strategy for most employers. Monetary value is just one type of value measure. This broader value view allows the worksite wellness program to be seen in light of the full value it can bring to the employer and the improvement of the target audience’s health and wellbeing.

Deck Construction Maintenance Tips

September 30, 2016

You can hire a deck construction company to build your dream deck, but how do you take care of it to keep it looking nice? Performing basic maintenance and upkeep on your structure will keep it looking and functioning great for much longer than if you just let it sit there. Here are some tips to get you started.Repairs
Each year, check the supporting posts and joists underneath that hold the deck up, as well as the screws and bolts that connect it to your home. Inspect for wood rot, structural damage, or loose bolts and screws. Also check the railings and flooring for loose nails or screws, as well as damaged wood and splinters. If you find any problems, make sure and correct them before doing any further maintenance. This may be as simple as tightening bolts and hammering nails back in or as complicated as replacing posts. If you find wood rot on your supporting posts, it is best to give your deck construction company a call. These types of problems often require major renovations and are best left to the professionals.

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SandingIf your deck is older and looks beaten up, consider sanding rather than washing it. Sanding an older structure can give it new life and add another 10 years to it. Before sanding, make sure all nails and screws are sunk into the wood so they don’t catch on the drum sander. Sand diagonally first with sandpaper that is 40-50 grit, then go back and sand it again horizontally using 70-80 grit sandpaper. This process evens out the surface while opening up the pores of the wood.Homemade Cleaning SolutionHere’s a recipe for an effective deck cleaning solution that you can make at home. Combine one quart of household bleach with 1/3 cup of powdered laundry soap and 3 quarts of warm water. Apply and rinse off.StainingStarting at an inner corner, use a sprayer to apply semi transparent stain. Watch for overspray on siding or any other surfaces nearby. Go over any puddles with a roller to even out the finish. Don’t let the stain completely dry before applying a second coat because it will not soak into the wood. Not all structures will require more than one coat. Use a stain that has a high amount of resin in it so it will last longer. Look for solids at or above the 50 percent level. In the years between staining your deck, a water sealant can be applied to protect the wood.

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Ask your deck construction company about installing low-maintenance decking if you prefer to avoid frequent upkeep and repairs. These kinds of decking materials are stain, scratch, mold, mildew, and split resistant.

Five Similarities Between Religion and Spirituality

September 1, 2016

When we were children we were asked, Which came first, the chicken or the egg? If we based our answer on the creation story in the Bible, we would answer, Chicken. But if we based our answer on our experience in raising chickens, our answer would be, Egg.The same can be said of the answer to the question, Which came first, Religion or Spirituality?In terms of our experience with religious books and discussions, religion came first. It is only now that more and more people are talking about spirituality and writing about it. In terms of the origin of the reality behind those words or in terms of the object of our understanding, spirituality came first. The spirit was there before there was any religion. God was there before there was anybody to worship him.We can even say that spirituality is an offshoot of religion. For many centuries people professed religion. Some of them fiercely opposed religions other their own. Christians for many centuries opposed paganism, Islam, Hinduism, Buddhism, and any other religion. This has happened also with paganism, Islam, and the rest with respect to the other religions. They too opposed other religions.

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But more and more people discover that mere religion cannot answer their deeper yearning for a better experience of life. So, they turned to something deeper and better than religion. They found this in spirituality.Because spirituality in a sense is an offshoot of religion, there is bound to be some similarity between them, just like the similarity between the egg and the chicken.First, both believe in a higher power of some kind. Religion believes in God the Father or Jesus, or Allah, or Brahman, or Tao. Spirituality believes also in this God or it may conceive of God as a universal or primal energy. Both believe that such being possesses power higher and greater than what we have.Secondly, both religion and spirituality desire to have a relationship with this higher power. Although the nature of the relationship is different in religion than in spirituality, the desire for this relationship is there. Religion connects with this higher power with fear and trembling. Spirituality connects with this higher power with love and affection.Thirdly, both religion and spirituality have rituals and practices which deepen one’s religiosity or spirituality. Religion usually has sacred rites or sacraments. Spirituality has meditation or yoga sessions.

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Fourthly, both have respect for the sacred, the other worldly. This is not just respect for God. This is respect for the reality that is beyond our senses and reason. When religion pushes this respect to its extreme, it becomes superstition. When spirituality pushes this respect to its extreme, it becomes religious spirituality.Fifthly, both have fear of failure. In religion this failure is punished by hell fire or repetition of existence or some other worse fate. In spirituality this failure is the inability to realize one’s true worth or value and the destiny of a life of meaninglessness. Hell, repetition of existence, non-existence, meaninglessness are forms of punishment for failure, either in religion or in spirituality.

Insight: Five Reasons the Nonwovens Market Shows No Sign of Slowing Down

September 10, 2016

Today, innovations in nonwovens are growing as quickly as global demand. From housewraps to laundry aids, nonwovens open up a large and ever-increasing number of possibilities for a range of industries.This insight refers to all industrial nonwovens which are sold business to business and are used mostly in commercial operations. Applications are diverse, and include automobile body degreasing, hard surface cleaning and skin preparation. In 2012, the global consumption of industrial non-wovens was 3.30 million tonnes, and this is forecast to reach 4.95 million tonnes by 2017.In this insight, we examine: what are the main drivers behind this impressive growth of industrial nonwovens?1.) Low raw material supply and cost
Industrial nonwovens are less expensive to produce than most alternative products. This low cost is measured not only in currency but in consumption of raw materials. Nonwovens use a significant percentage of European and American wood pulp, which is not petroleum based, and is also renewable and relatively inexpensive. As oil is expected to increase in both demand and price until 2017, use of natural fiber for nonwovens in the place of petroleum based material is favourable.Water is also becoming a scarce resource as industries and populations compete for supplies. Woven cotton textiles require a great deal of freshwater irrigation, as well as chemical fertilizers and pesticides. The replacement of woven cotton textiles with wood pulp and/or rayon-based nonwovens therefore not only saves money, but valuable resources.

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2.) Advantageous manufacturing processes
Nonwovens are usually made using relatively new technologies and use less energy, produce minimum effluent and require fewer raw materials than older methods of production. For example, the now common spunbonding process is only around 50-60 years old, whereas textile spinning and paper-making have been around for a few thousand years.There are also fewer resources required during the nonwoven production process. Spunlaid, needlepunch, carded and airlaid nonwovens use little or no water, while spunlace uses almost no chemicals and recycles 99% of the water it uses. Nonwoven processes are typically very flexible. This has meant that many industrial processes can rapidly and inexpensively change to produce multiple different products, allowing a much greater degree of product diversification than is possible with wovens or other materials.3.) Regulation and sustainability concerns
Environmental responsibility influences the manufacturing methods of most industrial products, and nonwovens are no exception. Regulatory pressures and retailer proactivity have meant that movement towards sustainability is now common in this market.Those in the nonwovens industry feel that sustainability is a need driven by both consumers and governments, and the time to act is now rather than later. For example, while packaging has been the main area of emphasis, Walmart has acknowledged that other areas, such as nonwovens, are also important.This impacts both the consumer nonwovens market and the industrial nonwovens sector, and the suggestion that the world’s largest retailer might judge and select nonwovens based on the environmental performance of the suppliers has had an immense effect. A wide variety of products have begun changing for environmental reasons: airlace, with woodpulp replacing rayon in traditional spunlace for wet wipes, airlaid pulp replacing highloft polyester in automotive insulation, and a new ‘repurposed cotton’ fiber for use in spunlace are now marketed.4.) High performance
In some cases, industrial nonwovens materials deliver properties unattainable by other materials, leading to their increased popularity. Exemplary materials include clean-room wipes, which provide a highly entangled web with high strength and abrasion resistance. The large quantity of water used at high pressure tends to remove all loose fibers or particles all at high speed and relatively light basis weights. There are no woven products comparable.

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There are dozens of other instances where nonwovens just perform better than equivalent products, from industrial wipes to automotive insulation, from packaging to battery separators. Sometimes the pure performance of a product rather than cost or convenience drives this market.5.) New and competitive materials
The nonwovens market continues to evolve and adapt in order to best serve the needs of various industries, especially in terms of cost and performance. In spunlace, a precursor web containing segmented bicomponent fibers makes it possible to produce both a cost-effective and high performance microfiber substrate, useful in filtration and industrial wipes.Airlaid is already 80-90% wood pulp, one of the most sustainable raw materials in nonwovens. Low-density versions are a suitable replacement for foam plastic packaging, and combined with a dispersible binder, airlaid is perfect for repulpable packaging or flushable wipes. This constant adaptation to keep up with a fast-moving industry has meant that the global market for nonwovens shows no signs of slowing down anytime soon.

Private Banking Services Vs Retail Banking

September 24, 2016

Private banking is a much more personalized banking service given to individuals who invest substantial sums, typically over U$S1M. The most noticeable difference between retail and private banking services are that private clients receive customer service on a 1-1 basis via a relationship manager or a private banker. Wealthy individuals with private accounts can expect to meet their bank contact in person, and have direct phone access to a relationship manager. Usually the private banking arm of a bank is separate from the retail banking arm and the service is completely distinct.A private bank is one that is not incorporated. Private banks are favoured by conservative investors because the directors are personally liable, and more likely to be cautious in managing client funds. Financial institutions like these are sometimes family owned and only cater to the very rich. One of the reasons why wealthy people choose them is their confidentiality – a pledge to maintain client records secret. For some it is a case of not wanting to be targeted by criminals, lawsuits or corrupt governments. Others use this secrecy to shield income from authorities like the IRS and evade tax.

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Many of the world’s private banks are found in Switzerland because of the strict bank secrecy laws and sophistication of Swiss financial services. Small banks in countries like Switzerland are also more likely to keep their client records secret because they limit their operations to within the country’s bank secrecy laws.Not only private banks offer private banking services – in fact some of the biggest providers of private banking and wealth management services like UBS, Credit Suisse and the Barclays are not privately owned. Private clients of these huge banks can take advantage of their in-house trading and research departments, and sometimes choose to have almost all their assets managed by the bank. This way they expect much higher returns than those given by a simple savings account or certificate of deposit.Types of Private Banking ServicesUsually only very affluent clients demand wealth management – where private bankers manage an investment portfolio for a family or an individual. The fee for this service varies from bank to bank and is charged yearly as a percentage of the total amount invested. The return of a portfolio will also depend on the standard of the private banking service. While some will provide excellent returns, others will continue to charge high fees while investing client funds in the bank’s own investment funds, regardless of whether or not this is beneficial to the client.

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A popular alternative to wealth management is Self-Directed private banking, where the client manages his own portfolio, at times calling on advice from the bank. The advantages of this type of account are lower fees and greater personal control.Inheritance and tax planning are extra private banking services provided either directly or by referral for an extra fee.