Consumer Credit Services

It isn’t surprising that consumer credit services are a booming business today. The credit card industry along with a strong economy for a number of years made overuse of unsecured credit all to enticing form most people. With an economic downturn now full-blown, most are reeling under massive financial debt. Consumer credit services are capitalizing on people’s need to get out of debt.Consumer credit services can help to facilitate the process of eliminating debt in a number of ways. For the person, who is still in control of his or her finances, there are services that help in future planning and budgeting, and are just educational in general. Beyond that, and for the people who are beginning to lose control, there is credit counseling along with debt consolidation. These consumer credit services work very well for the consumer who has yet to start missing payments or has fallen somewhat behind. Debt consolidation without the necessity of a loan works very well for those with smaller debt, but who are behind. For those with assets like a home or other property, they may find it necessary to obtain a secured loan using that property as collateral. While it is one way to pay off one set of debts, it certainly doesn’t get rid of debt completely.

Other options in consumer credit services such as debt settlement, debt management, and bankruptcy are more drastic measures, but each does work. Bankruptcy, while claiming to be a fresh start with all bills erased, no longer works that way. The consumer can often end up losing assets and still paying off some creditors. Both debt settlement and debt management work without the necessity of loans or loss of property. By working with a consumer credit service known as a debt resolution company, professional negotiators work with the consumer’s creditors and the principles are reduced. At times, this can be as much as 50% off the original balance. The consumer pays monthly into an insured account. Money from the account is used to pay off creditors. With even the most sensible monthly plan, a consumer can be free of debt in 12 to 48 months at the most.

Consumer credit services are found everywhere these days, and the consumer has to be aware that many of them are not what they seem. Checking credentials, certifications and references is paramount to working with one that will have a good and complete program.

World’s Top Golf Resorts: Train and Play for Your Vacation!

The finest golf resorts in the United States, Europe, Mexico and the Caribbean can be your choice for your next vacation. Make it a train-and-play golf vacation! So many package deals are available to make your trip much more than a break from your routine. A golf vacation will be a practical experience of improving your golf game, enjoying a phenomenally peaceful and luxurious setting, and visiting a different state or a different country! This planning guide will point you to some of the best-rated golf resorts in the world.Whether you ultimately book for yourself or through an experienced golf travel specialist, begin your research online where you can find premium golf courses and travel bargains. Rates, resort amenities and golf course details are available. But look further for the packages that include airfare, hotel accommodations and green fees to get your best value. The typical packaged Golf Resort Vacation will include most of these features:Airfare
Resort Accommodations
Confirmed Tee Times
Prepaid Green Fees
Shared Cart for 18 Holes
Equipment Rental
Golf Lessons
Meals at Exclusive Restaurants
Transfers to the Course
Transfers to the Airport
All Taxes and Service ChargesGolf courses are planned in lovely surroundings where you can take in sea breezes or views of lush vegetation, and you can combine golf with other resort amenities to provide a well-rounded vacation.For instance, try one of the many glamorous Club Med Golf Resorts with beautiful fairways in the most unforgettable, inviting locations around the world. Club Med offers deals including the best equipment and golf lessons for all levels! Its locations include Cancun, Mexico, as well as Punta Cana in the Dominican Republic. Other locations span the world: Turks and Caicos, Mauritius, Portugal, France, Italy, Brazil, Thailand, Morocco, Egypt, Senegal, and in the United States–Sandpiper Bay, Florida.

Scotland has some of the most beautiful golf courses in the world and there are approximately 100 resorts, called “golf hotels,” among the 500-plus golf courses throughout the country. Best known are Turnberry, Gleneagles and The Old Course Hotel St. Andrews. Each of these has spa, leisure facilities, excellent restaurants and “golf tuition” packages for all levels.Mexico has numerous golf resorts perched in luxurious coastal locations. There are golf resorts at Cancun, Acapulco, Puerto Vallarta and Los Cabos. Also, Mexico has its championship Baja version of California’s famous “Pebble Beach” golf resort, called Bajamar, only a few hours’ drive from San Diego in Ensenada.For the United States, check online for some of the golf resorts suggested by key magazines such as Golflink’s which publishes The Top 100 United States Golf Courses. This issue ranks the best out of more than 21,000 public and private golf courses across the country. However, within that one hundred courses, you want to search for the resorts with package programs and golf lessons. Among the top hundred, you will find that the main vacation-destination states with golf resorts are in Arizona, California, Florida, Nevada, South Carolina and Texas. Let’s review these states for their best locations:In sunny, always temperate Florida, Club Med’s Sandpiper Bay Golf Academy offers 2-day and 3-day golf courses. The Academy includes all aspects of the game, such as Chipping, Putting, Bunker, Pitching and Lob Shot, Full Swing with Irons and Woods. A video analyzing your swing is provided, as well as an optional video comparing your swing to that of a pro player. Also, the area within and around Miami has regional golf resorts for year-round vacationing. Each resort offers on-site amenities and services, both on and off the course, and minutes away from major Miami attractions, like South Beach and Miami MetroZoo. You will have a multitude of options during a golf vacation here.
Arizona has a climate that is suitable for many months of the year and Scottsdale has nearly 200 golf courses, many with the picturesque backdrop of the Sonoran Desert. It is a golf destination with golf schools and pro shops. Here, many resorts offer high-quality accommodations and championship golf courses. Most golf resorts offer packages where hotel guests can have discounted green fees. Also, Sedona, Arizona, offers numerous golf resorts with a mild year-round climate and spectacular red-rock scenic views.
In California, Pebble Beach has been known for being a small coastal golf destination nestled in beautiful Monterey County. It is home of the prominent Pebble Beach Golf Links, the Pebble Beach Lodge and the prestigious Inn at Spanish Bay. Each year, golfers return to rub shoulders with golf professionals and experience nature at its finest on the magnificent golf course laid out by leading golf course designers. The harmony of golf layouts and the majestic coast are awe-inspiring!
Another golfer’s paradise is conveniently located along the south Atlantic coast at Hilton Head Island, South Carolina. It combines natural beauty and world-class golf on a barrier island 12 miles long and five miles wide. Nicklaus, Palmer and other golf legends have frequently played these championship courses. Since the first course opened at Sea Pines in 1961, there are now emerald links at Harbour Town and outstanding courses in Bluffton, as the Hilton Head area has become a major golf center. It is legendary for its spectacular views of the Atlantic Ocean, scenic marshes, and maritime forests with abundant wildlife. The temperate climate and year-round sunshine also makes Hilton Head Island the perfect place to tee off.
Las Vegas, Nevada, is quietly emerging as one of the United States’ fastest growing golf destinations amidst the glitz and glamour of its casinos. The city’s huge convention center and innumerable hotel rooms make it a natural haven for large-scale golf events. With the year-round sunshine and mild temperatures, and plenty to do after a full day of playing golf from gambling to seeing entertaining shows, this golf destination will continue to grow.
CNN ranked Austin, Texas the No. 1 city for golf in its Golf.com of 2010. Framed by the Texas Hill Country, Austin’s golf courses are among the best in the United States. The region is highlighted by the Wolfdancer Golf Club which was named No. 56 in Golfweek’s top 100 resort golf courses in 2009. In addition to being a great contemporary music city, and home of numerous celebrities, Austin offers vacationing golfers great barbeque, an idyllic, year-round climate and luxury accommodations.

Your best package deal will be at all-inclusive resorts, where air flight, lodging, meals and golf activities are rolled into one price. On the other hand, consider traditional hotels and resorts in the locations suggested. With a little online planning, one of the finest golf resorts in the world can be your affordable choice. Enjoy the location, the exploration of the region while you improve your golf game and provide a joyful, well-rounded vacation for your family and loved ones!(c) 2012 Elizabeth McMillian

Finding the Right Assistance For Your Technical Translation Service Needs

You are about to embark on your quest of testing the accuracy of personal document translation services and technical translation services that several nearby translation firms brag about. Since you have just received a Russian research journal from your colleague in Russia, and you plan to use it as a direct reference for the study you are making for your masters class, you want to make sure that you will get your money’s worth from the translation job you will be submitting to a translation firm. Of course, you wanted to find the right assistance to address your translation needs. So what do you need to do first, before you submit the research journal for intensive translation? Below are some tips to help you find the right translation firm to satisfy your needs:

Ask for a portfolio or look into what services a translation firm could provide. A company portfolio usually summarizes what a company is capable of doing for its clients. Thus, a translation firm’s portfolio should include the services they provide their clients and customers, what particular field do they specialize in, as well as vital information on what type of documents they usually translate. These are important things to be included in a translation company’s portfolio so that clients could be properly guided on what services they should avail, and help them decide whether or not they should entrust their documents to be translated to this company.

Look out for testimonials and satisfied clients who could attest to the credibility of a translation firm. To further help you in finding the right translation company to assist you in your translation needs, you need to search for testimonials of satisfied clients of these translation service providers. These testimonials will help you analyze which among these translators provide the best services and perks, so that you could decide on which to choose. Also these testimonials will give you insights on what translation jobs are usually provided to these companies and help you evaluate whether you will go to one of these translation firms or not.

Try out their service by providing them a simple job order. If there are no testimonials regarding the capability of these translations firms to provide personal documents translation services and technical translation services, then you might as well test their capabilities by using simple translation job orders. If you have the finances and the time to individually test the capabilities of these institutions through a trial and error method, you will be properly guided in finding the best translation firm able to provide you the level of service you require.

Look at the qualifications of the hired translators. By looking at the qualifications and skills of the translators of a company, you could readily see which field they excel in. This will help you evaluate and compare whether or not your document for translation is in line with the expertise of the company, so as to assure you that you will eventually get the best translation results.

By simply using these four steps, soon you will find the right translation service, either technical or personal documents, that will fit your own requirements and translation specifications, to get only the best results that correspond to your money’s worth.

Web Hosting – A Guide for Beginners

So you’re looking to learn about web hosting and what it has to offer or you may not know much about web hosting? There is no shame in not knowing this information. Everyone has to start at the beginning at some point. On that note, lets begin learning about web hosting.First off, what is web hosting and how does it work?Web hosting is the business practice of providing space and bandwidth on a high-powered computer server that is connected to the Internet at very high speeds. Hosting companies maintain large networks of high-powered web server computers in a physical location known as a data center. These computer servers are connected to a very fast, and generally redundant, Internet connection. The data centers have primary and backup power, a fast connection to the Internet, and a security monitoring staff.The web hosting companies provide a share of disk space and available bandwidth to a customer for a monthly fee. Once the customer is signed up, they can upload files to their personal space on the web server and the information is then viewable to anyone interested on the Internet. The monthly fee the web hosting company charges is much less than what it would cost to run a server out of your own home or data center. This is the reason these companies exist. They take care of all the hardware, software, and other technical needs for you.Types of web hostingThere are many different types of web hosting offers, but the main three are shared, reseller, and dedicated. Each type of hosting is for a different purpose.Shared Web HostingShared web hosting is the most popular form of hosting. Shared hosting is a portion of disk space and bandwidth provided to you by the web hosting company on a high-powered server. There are many other web sites hosted on this server, and the hosting company is likely to have quite a few of these servers in a large data center. The resources of the server are shared by as many other websites as are allocated to that computer.Shared web hosting is the best form of web hosting if you are looking for a great price and don’t have more than a couple thousand daily visitors to your site.Reseller Web HostingReseller web hosting is a popular, low-cost solution to starting your own web hosting business. There are two types of reseller hosting, private-label and a reseller of services.The private-label is the best type of reseller plan because it allows you to retain full control over your customer’s websites. A private-label plan allows the reseller to keep the full monthly payment of the web-hosting customer, but the reseller must pay a monthly fee to the larger hosting company for the reseller space. The more hosting accounts a private-label reseller can sell, the higher the profit for them. Private-label hosting allows you to host many more websites than if you were using shared hosting for each. This is a great solution for someone who has many sites they need to host in one location to save money.

The reseller of services plans resell the regular web hosting plans of a larger web hosting company, but you get a discounted price for providing the customer and earn a monthly fee for as long as they remain a customer. This plan does not allow control over customer web sites and you only keep a portion of the potentially monthly revenue.Dedicated Web HostingDedicated web hosting is the most powerful and cost effective solution of hosting a busy web site without resorting to buying your own equipment and paying hundreds of dollars per month for a fast Internet connection. Dedicated hosting consists of single server with no one else hosting on that computer. This allows for the greatest of configuration options. Anyone who has a busy website will find dedicated hosting is the necessary choice.Web Hosting ConsiderationsWondering about all the other information listed in web hosting plans? In this section, I will explain the most important considerations in choosing a good web host.PriceThe price of web hosting services is one of the most important. There are many hosting companies out there with cheap hosting packages, but they may be lacking in other areas. Don’t let the price of a hosting package fool you. There are some hosting companies out there who have great prices and the other features are just as good. Price may be one of the most important decisions of a web hosting plan, but there is much more to consider in choosing a quality web host.Disk Space / Storage SpaceDisk space is the amount of physical storage space a web host gives to you to store your web files. Hosting companies these days have plans with disk space being measured mostly in terms of gigabytes, but some are still offering plans in the megabytes for storage space. Depending on your needs for file storage space, you may need more or less. Generally the more disk space offered, the better.Bandwidth / Data TransferThe amount of bandwidth available can make a big difference in choosing a quality hosting plan. In general, the more bandwidth a hosting company makes available to you, the better. This means you can support more traffic to your web site as your business grows. Be wary of web hosting companies that offer unlimited or unmetered bandwidth. While many of these are legitimate offers, there are some out there who are overselling their bandwidth in hopes the average user won’t use much.Customer SupportIn any business, it is very important to provide exception customer service. Web hosting is no exception to this. Many of the hosting companies are available all day and night in case you have a problem with your web site, but there are some who are just available specific hours of the day. If your web site goes down in the middle of the night when they’re not available, this means lost revenue for a business. You should make sure the web host you select is always available for support.Money Back GuaranteeMost web hosting companies will provide a thirty-day money back guarantee. Some will provide one even long, but be wary of the ones who offer no money back guarantee. I would not purchase web hosting services from a company who does not offer at least a 30 day money back guarantee, unless they have proven themselves to be a leader in the industry and have an excellent reputation.Operating SystemAn operating system is a piece of software that controls the interaction between the computer user and the physical hardware of the machine. A vast majority of all web sites on the Internet run on the Linux operation system. Linux is generally much more stable than Windows. Stability is critical in running a web site. For this reason, I prefer to host my web sites on the Linux operating system. Some sites have specific requirements that only the Windows operating system can satisfy, but there are always alternatives to those requirements.BackupA good web hosting company will have a regular schedule to backup the data on all the web servers. The more often the data is backed up, the better. At the very least, a web hosting company should backup web site files daily.Control PanelThe control panel is the point of contact the web site administrator will have between the host server and their own machine connected via the Internet. It is essential to have a well organized and easy to use control panel interface. My favorite control panel is cPanel, which is one of the leading web hosting control panels out there today. Plesk is another good one, and many companies will create their own control panel for you to use. Most web hosting companies will provide a link to a demo of the control panel they use with their hosting plans. The control panel used is a matter of preference, but it should be user friendly.EmailEmail is essential part of communication on the Internet. Most web hosting companies out there will give you more email addresses and more space to hold email messages than you will ever need. What you need to watch out for is the companies that have decided to be a little strict on their email accounts and only offer a small number or a small amount of message space.UptimeUptime is a term used to describe how often the average web site hosted by a company is available online. No company should be expected to provide an exact 100% uptime. This is impossible due to things such as hardware, software, and power failures. A vast majority of the companies are very good with uptime, and they guarantee it. It is still a good idea to be conscious of the uptimes posted by the company. If it is not at least 99.5%, it is probably not worth hosting with that company.

StatisticsAs a webmaster, it is nice to know how many visitors you’ve had, where they came from, how long they stay on your site, and how much bandwidth they’ve used. This information is collected by the web server and is placed in a log file. A statistics software package can read this data and provide meaningful information to the webmaster. The information gathered from these logs can be very valuable in improved services to the viewers of the web site.FTPFTP stands for file transfer protocol. It is a way of quickly uploading or downloading many files to and from a web server. Most web hosting companies will allow their customers access to their web hosting accounts via FTP. FTP is very useful and is a great feature to have when paying for a web hosting account.ScriptingSince the World Wide Web began, many scripting languages have been created and have evolved into the dynamic and interactive environment we enjoy today. A scripting language is a way of adding functionality to a web site, whether it be to calculate numbers or to load information from an external database. Scripting languages have made electronic commerce possible. Some of these languages include PHP, ASP, JSP, Coldfusion, VBscript, Javascript, and Perl. I won’t go into the details of these in this article for the sake of complexity. If you know how to use these languages, you should know what to look for in a web server for them.DatabasesA database is a place to store data that can be used in a large variety of ways. Databases are used on the Internet for applications such as shopping carts, message boards, and product catalogues. The more databases the web hosting provider allows you to create, the most applications you can deploy on your web server. Databases are used by the more advanced web master, but information is freely available online should you be interested.ConclusionsWeb hosting can be a very difficult decision with the many thousands of hosting companies out there. It is critical to find a plan that fits your needs and to have a good hosting company. I hope this article was useful in making your decision about which company to host with. Happy Hosting!

Should You Employ In House Telemarketers or Use an Outbound Telemarketing Agency?

Even for larger companies with dedicated sales teams this is a valid question: should you use your own telemarketers or turn to a specialist outbound telemarketing agency?For many companies, there are three compelling reasons to outsource your telemarketing:1) Focus2) Capabilities3) CostThis article examines these three reasons and suggests why, in many cases, it makes more sense to use the services of an external telemarketing agency for business-to-business telemarketing campaigns.1) FocusFirstly, a strong reason for using an external telemarketing company is that they will focus on the task of generating leads for your business. Many companies, when using an internal resource, will hand this over to either an admin person or expect telemarketing to be done as an extension of their role.But, let’s be honest about what really happens in most businesses: they find something else to do.Unlike an external company, which employs people to make outbound telemarketing calls day-in, day-out, your employees have other duties to perform. And, believe me, they will find anything else to do rather than telemarketing. The same goes for if you choose to hire your own people “just to cold call”. After a few months, I guarantee, they will be doing something (anything) else rather than telemarketing.

Using a telemarketing agency means that you have a resource focused on telemarketing for your business and you ensure a continual effort to generate leads, not the reluctant, ad-hoc approach you will get form your own people.2) CapabilitiesHand-in-hand with the issue of focus is that of capabilities. By outsourcing telemarketing you will access people who are far better at telemarketing that your own people. Even if you have dedicated sales people they often won’t match a seasoned telemarketer when it comes to making outbound calls.External telemarketing agencies also bring capabilities around data acquisition, segmentation, key message and “pitch” development which your own people will lack.Think about it; a good telemarketer will pitch around 100 prospects in a week. Given that the best telemarketers have been in the game for at least 10 years, that’s over 50,000 pitches. That’s a level of telemarketing experience you will never get it from an in-house employee.3) CostFinally, another reason for many companies to consider using a telemarketing agency is cost.When comparing using your people, or even yourself as the owner of a small business, against the cost of a telemarketing company, the costs are pretty compelling.Telemarketing agencies charge, on average around £250 per day for a telemarketer. That’s attractive even when you compare it against the cost of your sales people. But when you consider the cost of them not being in front of prospects and actually closing, the cost justification stacks up in favour of outsourcing.

When comparing an external telemarketing company against an admin person making “a few cold calls” the costs need a little more study but they still make sense. Usually, the best approach is to consider two factors: a) the cost per lead and b) the opportunity cost.When looking at the former, external telemarketing agencies, which are always more efficient, typically wins. In addition, when you think about the opportunity cost of not getting new leads into your pipeline and the resulting lost new business growth, it’s usually obvious that using a telemarketing company is the best investment.So, in summary, when thinking about whether to use your own people or external telemarketers, consider the total picture of how much focused your own people will be, how good they will be, and what is the real return on their costs.We believe that, taking all these elements into account, an outbound telemarketing agency is the most attractive route for many businesses.

Helpful Online Shopping Tips for Buying Cheap Designer Clothes and Shoes for Women

The ability to find cheap designer clothes for women is essential to those who want to look fashionable when they get dressed, not just because prices on authentic, name brand clothing are always expensive, but that buying affordable clothing allows shoppers to easily build a large wardrobe. Smart shoppers can get a lot of nice, authentic, name brand outfits, and the footwear to match simply by knowing where to look. Looking good does not have to be considered a luxury.Know What It Really Means to Buy Discount Designer ClothesIt is not always easy to buy cheap designer clothes online because many shops sell cheap knockoffs instead of designer originals. Sales of low quality clothing should not be considered real discounts at all. This is because those who buy these cheaper items do not get the same benefit or enjoyment as they would from the real thing. Customers need to beware of online shops offering trendy women’s clothes for less. The real savings is when the prices of real brand name items are brought into a price range that is more affordable. That is what designer clothing liquidators are all about. Customers get to find cheap designer clothes for sale that are truly authentic and on the leading edge of fashion trends.

How to Find Cheap Designer Clothes Online That are AuthenticMany consumers do not have time to get out to a store and shop around for discount brand name clothing, which would make it easier for them to know the quality of the items before purchasing. Moreover, some local outlet stores lack the selection needed for customers to find those trendy, affordable dresses, jeans, shoes, or that perfect top they had in mind. It can be hard to catch sales at department stores, but having a trusted online resource for trendy women’s clothes can make staying in fashion an easy task. Shoppers are able to get clothing from all the best brands, including Coach, Michael Kors, BCBG, Armani, and several others at a steep discount. Best of all, placing an order is easy because of the ability to use PayPal.Why Shop at Those Expensive Trendy Women’s Clothes Shops?It is not always easy to find cheap designer clothes for juniors, or affordable maternity wear that is high quality. Many stores that specialize in selling trendy women’s clothing and shoes do not care about how burdensome their prices are, but there are some that do. Shoppers can learn how to always find low prices on new and like-new authentic brand name women’s clothes and shoes. All they need to do is find the right website. The best sites for buying designer clothing at a low price have a selection is updated on a regular basis, so there is always some great new clothing item to discover. Plus, these reliable stores offer lightning fast shipping and excellent customer service.

It is possible for those looking for a place where they can get discount shoes online to find a place where there is an enjoyable selection of quality merchandise available. Thanks to online stores that offer cheap designer shoes and clothes, shoppers can easily build a very nice wardrobe. Many of those who love to shop for discount designer clothes find such sites addictive, because getting cheap trendy clothes from real brand names is a thrill.

Insurance Law – An Indian Perspective

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

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

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

Cornwall’s Gardens

The ‘Garden Capital of the World’ is often how Cornwall is thought of throughout the world. Cornwall enjoys the power of the Gulf Stream with its temperate climate of warm summers, mild and wet winters which in turn allows exotic and rare plants to thrive.Where else can you find so many gardens with history dating back to the Iron Age? As long ago as the early 19th century Cornish gardeners were part of the Victorian plant hunters who collected exotic plants and seeds from all around the world.That gives us what we have today: over 60 fabulous gardens to explore with lush vegetation and sub-tropical theatres of colour brimming with exciting, rare and beautiful plants. Cornwall’s gardens are found in our magnificent Castles, Manor Houses, grand Farm Estates, Mill Houses, sheltered valleys, high up on blustery moorland and nestled in woodland and seaside gardens which meet the turquoise hues of the water’s edge.Cornwall’s gardens are so diverse as they vary in size from small and intimate to acres of rolling countryside. Some with enchanting lakes and a Victorian boathouse to water gardens with tree ferns, rhododendrons, camellias and magnolias. Others have walled gardens and manicured lawns to the newest of all two magnificent Biomes filled with magic from around the world.All around Britain you will be hard-pressed not to find a ‘Veitch’ plant or one derived from their nurseries. The Veitch family sent many collectors all over the world to bring back seeds and plants. These included two Cornish brothers, William and Thomas Lobb. William Lobb died in San Francisco in 1864 but his brother Thomas lived in Devoran until his death in 1894.In the East of Cornwall Mount Edgcumbe have The Earl’s Garden with ancient and rare trees including a 400-year-old lime. The Formal Gardens are found in the lower park and were created over 200 years ago in English, French and Italian styles. Cothele tells the story of the Tamar Valley and Antony was recently used as a backdrop for the film Alice in Wonderland. Also in the East is Ince Castle which overlooks the River Lynher. The garden enjoys woodlands filled with rhododendrons, camellias and magnolias, vibrant shrubs and formal gardens. Pentillie Castle’s gardens are only open on specific days and their orchard was replanted with old Tamar Valley varieties of apple and cherry.The South is awash with fabulous gardens which proves how sheltered this coast is in Cornwall and many are overflowing with collections of Cornish rhododendrons, camellias and magnolias. We can start with Hidden Valley Gardens, Near Par. These gardens won the Cornwall Tourism Silver award 2010 for small visitor attraction. Tregrehan is a large woodland garden and is home to the Carlyon family since 1565. The Pinetum Park and Pine Lodge Gardens, Near St. Austell is a 30-acre paradise with over 6000 labelled plants. Ray and Shirley Clemo travelled the world collecting seeds and plants for this garden and a pair of black swans have made it their home.

The Lost Gardens of Heligan at Pentewan have been voted Britain’s finest garden and has scooped the title in the Countryfile Magazine Awards 2011. Celebrating 21years since Heligan’s Lost Gardens were discovered, this beauty provides 200 acres to explore. Discover the Northern Garden, the Jungle, the Wider Estate and the Horsemoor Hide and Wildlife Project.Next on our list would be Caerhays Castle Gardens which is situated in a valley above Porthluney Cove. A horticultural treasure covering 100 acres of woodland gardens and holder of the National Magnolia Collection. Lamorran at St. Mawes is a Mediterranean-style garden with sea views over Falmouth Bay. History says that it is the most Northerly Palm Garden in the world. From Lamorran you can see the lighthouse at St. Anthony’s Head. St. Just in Roseland has a 13th century church and is set in a sheltered sub-tropical riverside garden filled with magnolias, azaleas, bamboos and giant gunnera. Trelissick Garden at Feock was planted 200 years ago and has views down the Falmouth estuary. It has year-round plant colour, an orchard, woodland walks and an art and crafts gallery. In the autumn 300 varieties of apples will be on display in the Georgian stables. Enys Gardens at Penryn is one of Cornwall’s oldest gardens dating back to 1709. Penjerrick at Budock Water is unspoilt with historic and botanic interest; relax among tree ferns and hidden paths.Moving on down the coast to Mawnan Smith is Trebah and Carwinion, these are gardens with great historic interest. Trebah is on the North bank of the Helford River and in this garden you can wander among giant tree ferns and palms. Carwinion has a renowned collection of bamboo and has 14 acres of tranquil gardens. Glendurgan lies in a sub-tropical valley running down to the Helford River. Have fun in the 180 year-old cherry laurel maze and wander through the garden and down to the hamlet of Durgan. Potager is a new organic garden and is close to Constantine, five miles from Falmouth.Down the coast further to Cornwall’s Lizard Peninsula, Bonython Estate Gardens has an 18th century Walled Garden, a potager garden, an orchard of Cornish variety apple trees and woodlands. Bosahan at Manaccan is again close to the Helford River enjoying the Cornish microclimate and described as “the most Cornish of all Cornish gardens” in The Gardener magazine in 1909! Trevarno Gardens are the ‘Jewel in the Crown’ of their estate with a magnificent 70 acres. Several interesting features include a Serptentine Yew Tunnel and the production of organic skincare products and soaps. Carleen Subtropical Gardens are open by appointment only and are home to collections from South America, Mexico, Central and South Asia, Australia, New Zealand, Southern USA and the Mediterranean. The Hardy Exotics Garden Nursery at Whitecross, Near Penzance can create “Barbados in Birmingham” – “Mauritius in Manchester” and “Hawaii in Hertford”.Now we come to the beautiful St. Michaels Mount, walk across the causeway at low tide or travel by boat at other times. These gardens are steep but thrive in the shelter of the granite cliffs and you will find exotics from Mexico, Canary Islands and South Africa. Tremenheere Sculpture Gardens is a wonderful valley setting with St. Michaels Mount in the background. The National Trust owns Trengwainton and this historic garden is home to banana plants and enormous echiums. Finally in this part of Cornwall is Penberth which has 5 acres and is a natural valley garden incorporating sea views.Now we move on to North Cornwall which is a more rugged coast fronting the Atlantic. Our first port of call is the Japanese Garden and Bonsai Nursery in the beautiful Lanherne Valley at St. Mawgan. Just 1.5 acres but includes Water Gardens, Stroll Garden and a Zen Garden inspired by the East. Moving on up the Coast to Padstow we find Prideaux Place that has 40 acres of landscaped grounds and a deer park overlooking the Padstow estuary and the River Camel. Last but not least on this coast is Longcross Victorian Garden at Trelights, Port Isaac. This is 4 acres and gives a fine example of coastal gardening and hedging with views towards Port Isaac and Port Quin.Cornwall has some more fine gardens that are a bit more inland than the others we have mentioned before but when you are in Cornwall you are never more than sixteen miles away from the coast at any time.The 4 acres at Ken-Caro, Nr. Liskeard is another garden with a woodland walk, magnolias and rhododendrons, small but beautiful and set high above Bicton Manor Woods. Another one in the same area is Moyclare established in 1927 in 1 acre and arranged around the house. The broom “Moyclare Pink” and the astrantia “Moira Reid” originated in this garden. Pencarrow is a garden of 50 acres and this is where the Monkey Puzzle tree got its name. In this garden you can even walk on the grass! If you like one of the plants you will probably be able to buy a cutting from it. At Pinsla Garden, Cardinham there is something for everyone, an idyllic haven, and a hideaway full of secret paths with hazel arch and fantasy garden created by garden artists.Moving on once again to the National Trust owned Lanhydrock, a garden for walkers and a historical garden that has a woodland of 1000 acres. Boconnoc at Lostwithiel bas a beautiful spring garden and has camellias and azaleas from the 1850 original planting. These gardens are only open for the Spring Flower Show and Sunday afternoons during May. Trewithin close to Grampound means ‘house of the trees’ and has 30 acres of woodland gardens and more than 200 acres of surrounding parkland. The horticulturalist George Johnstone, who inherited the house in 1904, cultivated many of the seeds that came from abroad thus ensuring the reputation that Trewithin has today. Trewithin is an unforgettable garden gem.Next is the Eden Project close to St. Austell which is the newest of all our Cornish gardens. Created from a disused china clay pit in the year 2000 and the site opened on 17th March 2001. Two Biomes, one Tropical and the other Mediterranean are both constructed from a tubular steel space-frame clad in thermoplastic ETFE. At Eden you can travel around the world in a day!

At Bosvigo on the outskirts of Truro an awkward wing of the house was demolished and using stone from the house the walled garden was created. This left a 100-year-old Victorian Conservatory standing. All the plants that are for sale in this nursery are growing in the Gardens. Burncoose at Gwennap is a 30 acre woodland garden and has achieved gold medal displays at Chelsea and Hampton Court flower shows. The Nursery stocks a wide range of shrubs and herbaceous plants. Back up the coast we find Trerice, three miles from Newquay, which is a 6 acre garden but there is still space to find seclusion at any time of the year. The National Trust has owned this garden since 1953.Finally, we cross the water and arrive on the beautiful Isles of Scilly and then head for the Abbey Gardens on Tresco. This amazing sub-tropical garden is home to species of plants and trees from 80 countries ranging from Brazil to New Zealand and Burma to South Africa. The building of tall windbreaks ensures any inclement weather is forced up and over the walled enclosure. The terraces at the top are hotter and drier than the ones below which give more humidity. In 1990 hurricane force winds created dreadful damage to the shelter belts and the loss of many plants but the shelter belts and garden are now restored and looking ‘better than ever’. This is one that you should not miss.Many Cornish gardens belong to the National Gardens Scheme who publishes The Yellow Book each year which is a guide or ‘bible’ to garden visiting. Most of these gardens are privately owned and only open on specific days.Lots of our gardens have tremendous interest in the Autumn such as Ellis Gardens at Polyphant, Wave Cottage at Lerryn, Half Acre at Boscastle, Primrose Farm at Skinners Bottom and Kennall House at Ponsanooth. The Homestead close to Helston is 7.5 acres and has a Wildflower Wood with over 1000 trees and a further 800 trees for a shelter and wildlife habitat.There are of course many more gardens in Cornwall, many of them small but beautiful and a lot of our gardens are Dog Friendly. So don’t leave part of the family at home, bring them along as well. It would be wise to check first with the garden you are intending to visit just to make sure that it is ‘dog friendly’. Some of our Cornish gardens are more accessible than others so again if part of your group is less agile check with the garden to make sure you will enjoy your visit.For more information on our Cornish Gardens most of them have their own website which will give you opening days and times, how to get there, what facilities are available and ticket costs.

How to Choose the Right Accounting Audit Software for Your Business

Audit professional should take his time and review available software solutions solutions on the market. Comparison, research helps, but I what I would suggest is checking testimonial section of each software provider homepages. Check if there are big companies listed among clients, what sort of services they provide. That helps to understand if solution you are willing to buy is worth it.Another great strategy is before you decide what tools to buy, or should you purchase new version of your current software, go to LinkedIn. Yes it is professional social community, where business representatives communicate with each other, share their thoughts, opinions and ideas. But, have you heard how powerful are GROUPS there. Probably not, people are not usually sharing that. In Linked in groups you can find excellent professionals that may really help you with advice or feedback regarding software you are interested in or searching for. Simply find a group for accountants, auditors or network administrators and Post a question about what tools people are using or ask to give you a feedback on any specific audit software product. I bet, in the next 3 hours, you will receive the most professional recommendations that will help you to save your budget and decide the most functional software tools.

Another great way to get professional advice and recommendation is CPA forums. You probably heard about these communities, simply Google it and you ll find a lot of them in the first 10 search results. Usually they all have threads regarding audit software. Post a new thread asking for advice or follow the discussion. Usually these communities are small, but you will not find beginners there, it’s highly professional audience that is ready to help.

By following these simple rules you will not waste money and time on useless audit software that don’t have enough functionality to keep your work efficient.

Pros and Cons of Wild Animals As Pets

Many people find the idea of having wildlife as pet as exotic and exciting. However, if you want a wild animal as a pet, you should have thorough understanding of the animal and its behavior and needs. The people who have these animals as pets are invariably trained to handle them, but even they will tell how unpredictable these animals can be. You may have read stories in the newspaper of zoo keepers being mauled by their wards.So, having wild animals as pets has become quite a sensitive and controversial issue. Some people like to highlight the pros, while others just point out the cons. However, both should be weighed equally and only then a decision should be taken to keep a wild animal as a pet.Here are some pros and cons of wildlife as pets.Sometimes, conventional pets like dogs and cats cannot be kept due to lack of space. In such circumstances, one can keep a wildlife like a hedgehog or gecko as a pet as they do not require that much space. Some wild animals have their own benefits. Like a hedgehog can be used to keep insects and others pests at bay in a house.

Often it has been seen purchasing a wild animal can be cheaper than purchasing a pet that is popular and has a pedigree.Also, many proponents of wild animals feel that some species have a better chance of survival if they are adopted. It has been seen that the dart frog is facing a problem in the wild as its natural habitat is diminishing. Hence, if this animal is adopted, it will have a better chance of survival.However, there are sufficient cons and disadvantages of owning wild animals as pets. First of all, one has to take into consideration the welfare of the animal. Having a wildlife means giving due consideration to its diet, exercise and social interactions. Often, the animal will not have any interaction with other animals of its own species and will be left to leading a lonely and solitary life. Also, the owners will not be equipped to provide proper care to the animals as they may not be well-versed in these things. Many wild animals look cute and cuddly when they are small. However, as they reach adulthood or sexual maturity, their wild side takes over and the animal becomes aggressive. This is the time many owners abandon their pets or give them away to zoos.Wild animals are carriers of many diseases that are lethal to humans. For instance, reptiles and amphibians are carriers of salmonella infection and each year thousand of people in the US contract this disease due to their pets. Also, rats imported from Africa are known to carriers of monkey pox. An outbreak of this disease occurred in the US in 2003 when Gambian rats brought in the monkey pox into the country.

Above all, the demand for wildlife as pet is increasing. So, many illegal traders are taking advantage of this demand. Most of the wild animals are captured and then transported in cruel and inhuman manner to reach their owners. In addition, majority of the owners do not know to take care of the animals and this causes them to fall sick or even die.So, weigh the pros and cons of having wild animals as pets before jumping to adopt one. Make sure that you are properly equipped to handle the care of the animal. Do not adopt one if you have any doubts.