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Mobile App Security: Risks &Amp; Tips

Have you ever calculated the speed at which mobile apps getting downloaded worldwide? Whether you are looking to develop a mobile application for healthcare, travel, or any other business of yours, you should always be concerned about keeping app security as prime criteria.

Having an out-of-the-box mobile app idea is great. Most of the app development focus stays on perfect designs, innovative features, and great functionality. When ignored, a Mobile app security breach can lead you to loss of trust forever. Developing a secure app requires multiple security layers in the backend, the mobile device, and the communication channel.

The mobile industry has progressed rapidly to become interminable. The mobile apps stores are loaded with a myriad of mobile applications, striving to attract users. However, the sheer volume of mobile apps has created fierce competition. Despite the growing usage numbers and increased adoption, the greatest threat to an app’s success is security.

Why Mobile App Security Issue is a Big Deal?

Users are very much concerned about the privacy of their data and safety. Data breach cases discussed widely, app security is a factor determining success. It is a measure that secures applications from specific external threats such as malware and digital fraud, risking critical financial and personal information from notorious hackers.

Even a small breach in the security system can give hackers free access to personal life in real-time to disclose data such as banking information, current location, personal information, and other vital data.

What Happens When Mobile App Security Is Weak?

Globally 5.19 billion people use a mobile phone and spend 90% of their time on apps. Mobile apps are significant revenue generators for many businesses; however, intellectual property or sensitive data of the app attracts hackers.

Users trust businesses and organizations to test their apps due to security reasons before making it available online. Nevertheless, 2020 Mobile App security Index revealed some shocking facts.

  • 43% of companies have no budget for securing mobile applications.
  • 39% of companies do not take the necessary steps to secure their mobile application.
  • 33% of companies never test their apps to make sure they are secure for users.

The above facts and numbers are real. These are enough fuel for hackers to breach the security loopholes in apps and leverage all of the most vulnerable data.

Cybercriminals are creative. They can access a mobile phone’s camera, microphone, and location to build convincing apps’ clones. Hackers employ several strategies to gain access to personal information and exploit users.

Some of the standard mobile application security risks include:

#1: No Multifactor Authentication

Users are usually guilty of using one insecure password for multiple accounts. Consider the number of users your app has. Even if the password is secure, hackers test passwords across other apps that could lead to an attack on the business.

Multifactor authentication uses 2 out of 3 possible authentication factors. However, it does not depend on the password before certifying the identity of the user. With additional authentication, it becomes difficult for hackers to breach. Some examples are – answer to a personal question, SMS confirmation code, biometric authentication, etc.

#2: Poor Encryption

Encryption is very important for security. Encryption transposes data into a code that is hard to decipher. It is viewable only after it is translated back with a secret key. Simply put, encryption can change the sequence of any combination lock. Unfortunately, hackers have the gifted ability to pick locks.

Symantec data shows that 13.4% of all consumer devices and 10.5% of all enterprise devices lack encryption. Hackers can easily have personal data in plain text format if they can manage to gain access to any of those devices.

However, companies using encryption are equally vulnerable towards mobile application security risks. Developers make human errors, and hackers exploit that. When encrypting an app, it is important to assess how easily hackers can crack the app’s code.

This security threat can have serious consequences, including intellectual property theft, privacy violations, code theft, reputation damages, etc.

#3: Reverse Engineering – Anti-Tampering

Reverse engineering is an innate threat. Apps are exposed to this threat always due to the nature of coding and programming.

The amount of metadata available in the mobile app development code for debugging also assists attackers to understand how apps function.

Reverse engineering is a tool that reveals how apps function on their backend, reveal encryption algorithms, rectify the source mode, etc. Your code may work against you to make way for professional hackers.

#4: Malicious Code

Forms, comments, and other user-generated content are often overlooked for a potential threat to app security. For example, the login form – when users enter their username and password, the app communicated with the data on the server for authentication. Apps that do not restrict the use of characters used to run the risk of code injection to the server for access.

Even if one line of JavaScript is entered into the login form without guarding against characters like the colon or equal sign, they can easily access personal information.

#5: Storage

When data storage is insecure, it can lead to a breach. It can happen in several places within the app: cookie stores, SQL databases, binary data stores, etc. The cause may be a vulnerability in the operating system, compiler, frameworks, or jailbroken devices.

Hackers could modify the legitimate app and funnel information as soon as they access the device or its database.

Even the most sophisticated encryption system fails when a device is rooted or jailbroken. As a result, hackers can bypass the OS restrictions and even circumvent encryption.

Tips To Safeguard Your Device With Mobile App Security Best Practices

Mobile app security is a real-life challenge. We are facing it now and may continue to do so.

The tools app developers use to develop mobile apps are the same that hackers use to exploit them.

Despite this prolonged struggle to make apps hack-proof, some of the largest mobile apps companies deploy some of the following best practices to protect and use without any compromise.

#1: Server-side Authentication

In a given situation, the server-side grants multifactor authentication requests only when authorization is successful. If an app stores data on the client-side and is only made available on the mobile device, ensure the encrypted data is accessible only when the credentials are validated successfully.

If you have a persistent authentication, such as “remember me” functionality, do not store the device’s password. Create multiple authentication tokens for different mobiles.

#2: Cryptographic Algorithms

The only way to fend off any breaches related to encryption is to avoid sensitive data stored on the device, including passwords and hard-coded keys. These could be readily available to hackers in plain text or even used by attackers to access the main server.

Theoretically, iOS has the right protection tools to halt reverse engineering through coded encryption. However, it is not a definite solution. You have to assume that attackers are professional, and they can decrypt information easily.

Even the most powerful encryption algorithms cannot prevent a breach if you do not adopt proper key management strategies. Your app should be protected against vulnerabilities like binary attacks.

Do not use deprecated algorithms unless you are a security expert. Do not create your encryption protocols.

#3: Input Validation

Input validation is necessary to ensure it meets the standards of sanity check. Hackers are always looking for an opportunity when test input validation. They scour the site for the potential of malformed data.

Input validation ensures that only data expected is passed through the input field. For instance, when you are uploading images in a mobile application, the file should have a matching extension according to the standard image file extensions and reasonably sized at the same time.

If image validation does not specify parameters forbid unreasonable file size or pixel count, hackers can upload malicious files that claim to be an image.

All fields of input, including audio, video, form fields, and command-line inputs, are vulnerable. This caused the first iPhone jailbreak.

#4: Threat Modeling

Threat modeling builds data defenders. The method is used to understand the problem. A good threat model ensures that the team should understand how to operate differently on OS, platforms, external API transfer, frameworks, and store data. But, building these frameworks and connecting the third-party APIs could expose apps to the inefficiencies too.

#5: Disguise To Prevent Reverse Engineering

Is it possible to prevent reverse engineering?

In most cases, developers have the tools and skills to build convincing clones of mobile apps’ UI without gaining access to its source code. On the other hand, business logic requires more effort.

Some commercial-grade tools are available to make business logic indecipherable. Developers use different tools like indentation to make code that is easier for a human to read, though the computer may not bother about formatting. Hence, minification, or removing all spaces, allows maintaining functionality and making it difficult for hackers to read the code.

End Word

Penetration testing, like ethical hacking, is an important mobile app development tool, in which developers attempt to find one or more vulnerabilities to exploit as a hacker. Although it is best to be prepared for mobile application security risks right from the start, this concern shall likely remain throughout the business lifecycle. Compliance is another important consideration for mobile app security. It is incredibly critical to understand how the mobile app security would be handled under different conditions.

Developing a secure mobile application requires the collaboration of the entire team, between expert developers, marketers, security experts, and even C-level executives. Any security protocol for password strength and the use of analytics tracking pixels are some of the security strategies that need buy-in from an entire team.


How Can A Cyber Security Career Secure Your Future?

The internet connects hardware, software, and sensitive data. In recent years, this connectivity became indispensable and ubiquitous. A wide variety of businesses now rely on cutting edge technologies to earn profits. As a result, the demand for data analysts and security specialists experiences a very steep increase.

Cybersecurity has become a major concern for individuals and companies. Cybersecurity is a set of tools and practices that help to safeguard information during use, storage, and communication through various devices. An entity requires cybersecurity specialists to keep the data safe. How desperate are the companies? Between Jan 2019 and July 2019, around 4.1 billion records got exposed due to various types of data breaches (source). A company’s data is its asset and liability.

Career Options In Cybersecurity Sector

People assume a white hat hacker is the only cybersecurity job in the market. Security experts have to prevent and remedy various online threats. They analyze malicious email and phone calls. They also takedown phishing websites and clean up the internet. These professionals also handle unauthorized data access, viruses, malware, and identity theft.

The security consultants understand computers, software, operating systems, and networks. They are also good at programming, Cyber Piracy, security audits, and visualization software. One can also find jobs for security analysts, cyber breach investigators, researchers, and so on. In general, the job falls under two categories – pure cybersecurity and hybrid titles. The demand for pure cybersecurity professionals is very high, as it requires industry-specific skills.

Secure Career

But is a career in cybersecurity itself well-paid and secure? Let us look at a few statistics to assess the market demand and need of employers:

  • In the last six years, job postings related to cybersecurity grew by 94%.
  • These jobs now constitute more than 13% of all the IT jobs in the market (source)
  • In India, there are close to 67,000 jobs for security professionals.
  • Australian experts predict 21% growth in demand until May 2023.
  • Also, there are more than 11,000 cybersecurity vacancies open, as of today.
  • Every month more than 50,000 new cyber threats occur (Source)

Why The High Demand?

Almost all businesses operate web stores and professional sites to offer data, goods, and services. Start-ups and small companies are flourishing on the internet too. Cloud computing services are turning to be one of the basic requirements of any business.

All these advances created an expansive internet landscape. And digital information transmits at a rapid pace in this cyberspace. Every individual creates 1.7MB of information every second, according to a study in 2020 (source). This data is not only voluminous but also sensitive and valuable. It includes personal information, business contacts, bank transaction, financial data, etc.

The unethical hackers target businesses and individuals to steal data, shut down sites, or extract ransom money. On the other hand, you can find scammers on almost all internet platforms. The cost of falling victim to such fraud was $1.7 billion worldwide in 2018 (source). Thus, every business chooses to hire security experts to avoid such pitfalls.

Is it a secure field to set a career?

There are numerous niche business areas that bloomed and died within a decade. Is cybersecurity one such mushroom area? Well, experts have a different opinion. Here are the reasons why a career in this genre is safe and financially stable.

Job Designations

There is a job vacancy for all levels of expertise and experience. Technicians handle viruses, malware, while analysts look for bugs, defects, and breaches. Ethical hackers test code and detect weaknesses. The architects, specialists, and administrators handle AI, cloud security, and software safety. Other job titles are cryptographer, security officer, freelance/bounty hunter, software, and hardware engineers.

Career Mobility

Cybersecurity is vital for all industries. If you are tired of being a security analyst for a financial institute, you can move over to a corporate establishment. This mobility is available only in a handful of career lines. The skills and expertise you gain in one industry are applicable across the market. Thus, the opportunities for growth are very high. Since the opportunity for a candidate to switch jobs is high, employers tend to try and make the talent stick with the company.

High Salaries

A single data breach can cost up to $3.29 million in terms of money, time, resources, goodwill, and lost businesses. The cost of a breach is 14% more in 2020 than it was in 2014. Thus, companies try to retain their talents with high salaries, as the security team is the main asset. The highest level in this genre (varies from company to company) is the information security manager or head of cybersecurity, whose average salary is between $125,000 and $215,000 per year. Freshers start as an analyst or a trainee and can easily move up the ladder. An analyst’s average salary is $90,000 per annum, which is higher than most of the jobs with similar skill requirements (source).

As mentioned above, job vacancies are huge and growing. So, the attrition rate for the next few decades is close to zero or negative. So, a cybersecurity job is profitable, secure, and long-lasting.


Combine All Your Im Contacts In One Screen On Any Computer

Category : Accounting Firm

By Juan Salvo

One of the huge things about the Internet is that we can be in contact with people regardless the distance. Even though this benefit was already provided by the email, the new thing is that we can be in touch with people in real-time. This technology, known as instant messaging (IM) works through a local program that connects to a remote server to which other users are also logged. The server then works as a ‘hub’ letting each user ‘see’ which contact is connected at that moments and allows to interact in several ways, such as text-chatting, video conferencing and share files and information. Easy to understand why, IM became ‘instant’ success. The pioneer of IM was ICQ and quickly received millions of members who could enjoy its many attractive features. Of course, other companies rapidly got into the stream and generated their own IM networks. Unfortunately, didn’t see this as a community phenomenon and tried to mine their own business making their IM services incompatible with all the other ones and initiating a fierce competition to convince people to join their networks (and not the others). Although competition is good and usually brings progress, in the case of IM is also carried an intrinsic difficulty: is you stick to a single IM service you are leaving behind the possibility of getting in touch with people who don’t use your service. So, if you don’t want restrictions about who you want to have available for instant chatting, you are bound to sign up with several IM services and have your contacts spread through several windows in your screen. This is not only bothersome, it makes your computer slower by inefficiently occupying too much bandwidth and memory resources.

For these and other advantages, instant messaging has become to be the fastest-growing medium of communication in history. It is even growing twice as quick as the email. But what if you were able to overcome IM’s worst problem? Now everyone is able to combine all of their IM contacts in a single list, whichever service they belong to. An experienced company has put together a new kind of social networking website that some view as a direct threat to the leading social networks. The new network is called uVme and combines the features that make sites like Facebook or Myspace so successful. One of the most exciting features of uVme is its advanced instant messaging tool.

[youtube]http://www.youtube.com/watch?v=lzToaVz1jHU[/youtube]

Besides of providing complete IM capabilities, uVme IM service can automatically combine all of your contacts from other services such as Yahoo! Messenger, Windows Live (MSN) Messenger, AIM (AOL’s IM), Google Talk, ICQ and others. By using uVme you can have all of your contacts on a single window, regardless from which network they come.

A typical IM service works through a standalone application that must be downloaded and installed on the computer where you’ll be chatting. This means downloading and installing every time you change computers and every time they upgrade the software. For worse, you need to have up to six or seven programs running at the same time in order to keep track of all your contacts, which means using up more bandwidth and more memory resources. With uVme you don’t need to install anything. Its IM service is web-based, working on your browser as soon as you log into the website. So, instead of being a standalone application that you have to download and install. This IM service runs live on your uVme web page.

As soon as somebody goes to uVme, they will automatically be logged in to your IM and will appear to you as an online contact. You can instantly greet them and talk and challenge them to play a game. Yes, gaming is a strong part of the uVme concept and is adding new exciting and addictive online games on a daily basis. Although their IM service is worth enough for becoming a member, uVme has other features just as exciting. Check out the website at the bottom to learn more about this new service, which is set to become a new revolution.

About the Author: There is much more to say about uVme. Check out our website and learn how to use the new instant messaging service to

combine contacts

and

play games online

visit http://www.gaming-uvme.info today.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=218950&ca=Computers+and+Technology


Pschological Signs And Symptoms

Category : Speech Therapy

The first encounter between psychiatrist or therapist and patient (or client) is multi-phased. The mental health practitioner notes the patient’s history and administers or prescribes a physical examination to rule out certain medical conditions. Armed with the results, the diagnostician now observes the patient carefully and compiles lists of signs and symptoms, grouped into syndromes.

Symptoms are the patient’s complaints. They are highly subjective and amenable to suggestion and to alterations in the patient’s mood and other mental processes. Symptoms are no more than mere indications. Signs, on the other hand, are objective and measurable. Signs are evidence of the existence, stage, and extent of a pathological state. Headache is a symptom – short-sightedness (which may well be the cause of the headache) is a sign.

Here is a partial list of the most important signs and symptoms in alphabetical order:

Affect

We all experience emotions, but each and every one of us expresses them differently. Affect is HOW we express our innermost feelings and how other people observe and interpret our expressions. Affect is characterized by the type of emotion involved (sadness, happiness, anger, etc.) and by the intensity of its expression. Some people have flat affect: they maintain “poker faces”, monotonous, immobile, apparently unmoved. This is typical of the Schizoid Personality Disorder Others have blunted, constricted, or broad (healthy) affect. Patients with the dramatic (Cluster B) personality disorders – especially the Histrionic and the Borderline – have exaggerate and labile (changeable) affect. They are “drama queens”.

In certain mental health disorders, the affect is inappropriate. For instance: such people laugh when they recount a sad or horrifying event or when they find themselves is morbid settings (e.g., in a funeral).

Also see: Mood.

Read about inappropriate affect in narcissists

Ambivalence

We have all come across situations and dilemmas which evoked equipotent – but opposing and conflicting – emotions or ideas. Now, imagine someone with a permanent state of inner turmoil: her emotions come in mutually exclusive pairs, her thoughts and conclusions arrayed in contradictory dyads. The result is, of course, extreme indecision, to the point of utter paralysis and inaction. Sufferers of Obsessive-Compulsive Disorders and the Obsessive-Compulsive Personality Disorder are highly ambivalent.

Anhedonia

When we lose the urge to seek pleasure and to prefer it to nothingness or even pain, we become anhedonic. Depression inevitably involves anhedonia. the depressed are unable to conjure sufficient mental energy to get off the couch and do something because they find everything equally boring and unattractive.

Anorexia

Diminished appetite to the point of refraining from eating. Whether it is part of a depressive illness or a body dysmorphic disorder (erroneous perception of one’s body as too fat) is still debated. Anorexia is one of a family of eating disorders which also includes bulimia (compulsive gorging on food and then its forced purging, usually by vomiting).

Learn more about comorbidity of eating disorders and personality disorders

Anxiety

A kind of unpleasant (dysphoric), mild fear, with no apparent external reason. Anxiety is akin to dread, or apprehension, or fearful anticipation of some imminent but diffuse and unspecified danger. The mental state of anxiety (and the concomitant hypervigilance) has physiological complements: tensed muscle tone, elevated blood pressure, tachycardia, and sweating (arousal). Generalized Anxiety Disorder is sometimes misdiagnosed as a personality disorder

Autism

More precisely: autistic thinking and inter-relating (relating to other people). Fantasy-infused thoughts. The patient’s cognitions derive from an overarching and all-pervasive fantasy life. Moreover, the patient infuses people and events around him or her with fantastic and completely subjective meanings. The patient regards the external world as an extension or projection of the internal one. He, thus, often withdraws completely and retreats into his inner, private realm, unavailable to communicate and interact with others.

Asperger’s Disorder, one of the spectrum of autistic disorders, is sometimes misdiagnosed as Narcissistic Personality Disorder (NPD)

Automatic obeisance or obedience

Automatic, unquestioning, and immediate obeisance of all commands, even the most manifestly absurd and dangerous ones. This suspension of critical judgment is sometimes an indication of incipient catatonia.

BlockingHalted, frequently interrupted speech to the point of incoherence indicates a parallel disruption of thought processes. The patient appears to try hard to remember what it was that he or she were saying or thinking (as if they “lost the thread” of conversation).

Catalepsy

“Human sculptures” are patients who freeze in any posture and position that they are placed, no matter how painful and unusual. Typical of catatonics.

Catatonia

A syndrome comprised of various signs, amongst which are: catalepsy, mutism, stereotypy, negativism, stupor, automatic obedience, echolalia, and echopraxia. Until recently it was thought to be related to schizophrenia, but this view has been discredited when the biochemical basis for schizophrenia had been discovered. The current thinking is that catatonia is an exaggerated form of mania (in other words: an affective disorder). It is a feature of catatonic schizophrenia, though, and also appears in certain psychotic states and mental disorders that have organic (medical) roots.

Cerea Flexibilitas

Literally: wax-like flexibility. In the common form of catalepsy, the patient offers no resistance to the re-arrangement of his limbs or to the re-alignment of her posture. In Cerea Flexibilitas, there is some resistance, though it is very mild, much like the resistance a sculpture made of soft wax would offer.

Circumstantiality

When the train of thought and speech is often derailed by unrelated digressions, based on chaotic associations. The patient finally succeeds to express his or her main idea but only after much effort and wandering. In extreme cases considered to be a communication disorder.

Clang Associations

Rhyming or punning associations of words with no logical connection or any discernible relationship between them. Typical of manic episodes, psychotic states, and schizophrenia.

Clouding (Also: Clouding of Consciousness)

The patient is wide awake but his or her awareness of the environment is partial, distorted, or impaired. Clouding also occurs when one gradually loses consciousness (for instance, as a result of intense pain or lack of oxygen).

Compulsion

Involuntary repetition of a stereotyped and ritualistic action or movement, usually in connection with a wish or a fear. The patient is aware of the irrationality of the compulsive act (in other words: she knows that there is no real connection between her fears and wishes and what she is repeatedly compelled to do). Most compulsive patients find their compulsions tedious, bothersome, distressing, and unpleasant – but resisting the urge results in mounting anxiety from which only the compulsive act provides much needed relief. Compulsions are common in obsessive-compulsive disorders, the Obsessive-Compulsive Personality Disorder (OCPD), and in certain types of schizophrenia.

Obsessive-Compulsive Personality Disorder (OCPD) Read about the compulsive acts of the narcissist Concrete Thinking Inability or diminished capacity to form abstractions or to think using abstract categories. The patient is unable to consider and formulate hypotheses or to grasp and apply metaphors. Only one layer of meaning is attributed to each word or phrase and figures of speech are taken literally. Consequently, nuances are not detected or appreciated. A common feature of schizophrenia, autism spectrum disorders, and certain organic disorders.

Read about narcissism and Asperger’s Disorder

Confabulation

The constant and unnecessary fabrication of information or events to fill in gaps in the patient’s memory, biography or knowledge, or to substitute for unacceptable reality. Common in the Cluster B personality disorders (narcissistic, histrionic, borderline, and antisocial) and in organic memory impairment or the amnestic syndrome (amnesia).

Read about the Narcissist’s Confabulated Life

Confusion

Complete (though often momentary) loss of orientation in relation to one’s location, time, and to other people. Usually the result of impaired memory (often occurs in dementia) or attention deficit (for instance, in delirium).

Also see: Disorientation.

Delirium

Delirium is a syndrome which involves clouding, confusion, restlessness, psychomotor disorders (retardation or, on the opposite pole, agitation), and mood and affective disturbances (lability). Delirium is not a constant state. It waxes and wanes and its onset is sudden, usually the result of some organic affliction of the brain.

Delusion

A belief, idea, or conviction firmly held despite abundant information to the contrary. The partial or complete loss of reality test is the first indication of a psychotic state or episode.

Beliefs, ideas, or convictions shared by other people, members of the same collective, are not, strictly speaking, delusions, although they may be hallmarks of shared psychosis. There are many types of delusions:

I. Paranoid

The belief that one is being controlled or persecuted by stealth powers and conspiracies.

2. Grandiose-magical

The conviction that one is important, omnipotent, possessed of occult powers, or a historic figure.

3. Referential (ideas of reference)

The belief that external, objective events carry hidden or coded messages or that one is the subject of discussion, derision, or opprobrium, even by total strangers.

The Delusional Way Out Psychosis and Delusions Ideas of Reference

Dementia

Simultaneous impairment of various mental faculties, especially the intellect, memory, judgment, abstract thinking, and impulse control due to brain damage, usually as an outcome of organic illness. Dementia ultimately leads to the transformation of the patient’s whole personality. Dementia does not involve clouding and can have acute or slow (insidious) onset. Some dementia states are reversible.

Depersonalization

Feeling that one’s body has changed shape or that specific organs have become elastic and are not under one’s control. Usually coupled with “out of body” experiences. Common in a variety of mental health and physiological disorders: depression, anxiety, epilepsy, schizophrenia, and hypnagogic states. Often observed in adolescents.

See: Derealization.

Derailment

A loosening of associations. A pattern of speech in which unrelated or loosely-related ideas are expressed hurriedly and forcefully, with frequent topical shifts and with no apparent internal logic or reason.

See: Incoherence.

Derealization

Feeling that one’s immediate environment is unreal, dream-like, or somehow altered. See: Depersonalization.

Warped Reality

Dereistic Thinking

Inability to incorporate reality-based facts and logical inference into one’s thinking. Fantasy-based thoughts.

Disorientation

Not knowing what year, month, or day it is or not knowing one’s location (country, state, city, street, or building one is in). Also: not knowing who one is, one’s identity. One of the signs of delirium.

Echolalia

Imitation by way of exactly repeating another person’s speech.

Involuntary, semiautomatic, uncontrollable, and repeated imitation of the speech of others. Observed in organic mental disorders, pervasive developmental disorders, psychosis, and catatonia.

See: Echopraxia.

Echopraxia

Imitation by way or exactly repeating another person’s movements. Involuntary, semiautomatic, uncontrollable, and repeated imitation of the movements of others. Observed in organic mental disorders, pervasive developmental disorders, psychosis, and catatonia.

See: Echolalia.

Flight of Ideas

Rapidly verbalized train of unrelated thoughts or of thoughts related only via relatively-coherent associations. Still, in its extreme forms, flight of ideas involves cognitive incoherence and disorganization. Appears as a sign of mania, certain organic mental health disorders, schizophrenia, and psychotic states.

Also see: Pressure of Speech and Loosening of Associations.

More about the manic phase of the Bipolar disorder

Folie a Deux (Madness in Twosome, Shared Psychosis)

The sharing of delusional (often persecutory) ideas and beliefs by two or more (folie a plusieurs) persons who cohabitate or form a social unit (e.g., a family, a cult, or an organization). One of the members in each of these groups is dominant and is the source of the delusional content and the instigator of the idiosyncratic behaviors that accompany the delusions.

Read more about Shared Psychosis and cults – click on these links:

Fugue anishing act.

A sudden flight or wandering away and disappearance from home or work, followed by the assumption of a new identity and the commencement of a new life in a new place. The previous life is completely erased from memory (amnesia). When the fugue is over, it is also forgotten as is the new life adopted by the patient.

Hallucination

False perceptions based on false sensa (sensory input) not triggered by any external event or entity. The patient is usually not psychotic – he is aware that he what he sees, smells, feels, or hears is not there. Still, some psychotic states are accompanied by hallucinations (e.g., formication – the feeling that bugs are crawling over or under one’s skin). There are a few classes of hallucinations:

Auditory – The false perception of voices and sounds (such as buzzing, humming, radio transmissions, whispering, motor noises, and so on).

Gustatory – The false perception of tastes

Olfactory – The false perception of smells and scents (e.g., burning flesh, candles)

Somatic – The false perception of processes and events that are happening inside the body or to the body (e.g., piercing objects, electricity running through one’s extremities). Usually supported by an appropriate and relevant delusional content.

Tactile – The false sensation of being touched, or crawled upon or that events and processes are taking place under one’s skin. Usually supported by an appropriate and relevant delusional content.

Visual – The false perception of objects, people, or events in broad daylight or in an illuminated environment with eyes wide open.

Hypnagogic and Hypnopompic – Images and trains of events experienced while falling asleep or when waking up. Not hallucinations in the strict sense of the word. Hallucinations are common in schizophrenia, affective disorders, and mental health disorders with organic origins. Hallucinations are also common in drug and alcohol withdrawal and among substance abusers.

Ideas of Reference

Weak delusions of reference, devoid of inner conviction and with a stronger reality test.

See: Delusion.

The Delusional Way Out Psychosis and Delusions Ideas of Reference

Illusion The misperception or misinterpretation of real external – visual or auditory – stimuli, attributing them to non-existent events and actions. Incorrect perception of a material object.

See: Hallucination.

Incoherence

Incomprehensible speech, rife with severely loose associations, distorted grammar, tortured syntax, and idiosyncratic definitions of the words used by the patient (“private language”). A loosening of associations. A pattern of speech in which unrelated or loosely-related ideas are expressed hurriedly and forcefully, using broken, ungrammatical, non-syntactical sentences, an idiosyncratic vocabulary (“private language”), topical shifts, and inane juxtapositions (“word salad”).

See: Loosening of Associations; Flight of Ideas; Tangentiality.

Insomnia

Sleep disorder or disturbance involving difficulties to either fall asleep (“initial insomnia”) or to remain asleep (“middle insomnia”). Waking up early and being unable to resume sleep is also a form of insomnia (“terminal insomnia”).

Loosening of Associations

Thought and speech disorder which involves the translocation of the focus of attention from one subject to another for no apparent reason. The patient is usually unaware of the fact that his train of thoughts and his speech are incongruous and incoherent. A sign of schizophrenia and some psychotic states. See:

Incoherence; Flight of Ideas; Tangentiality.

Mood

Pervasive and sustained feelings and emotions as subjectively described by the patient. The same phenomena observed by the clinician are called affect. Mood can be either dysphoric (unpleasant) or euphoric (elevated, expansive, “good mood”). Dysphoric moods are characterized by a reduced sense of well-being, depleted energy, and negative self-regard or sense of self-worth. Euphoric moods typically involve an increased sense of well-being, ample energy, and a stable sense of self-worth and self-esteem.

Also see: Affect.

Mood Congruence and Incongruence

The contents of mood-congruent hallucinations and delusions are consistent and compatible with the patient’s mood. During the manic phase of the Bipolar Disorder, for instance, such hallucinations and delusions involve grandiosity, omnipotence, personal identification with great personalities in history or with deities, and magical thinking. In depression, mood-congruent hallucinations and delusions revolve around themes like the patient’s self-misperceived faults, shortcomings, failures, worthlessness, guilt – or the patient’s impending doom, death, and “well-deserved” sadistic punishment.

The contents of mood-incongruent hallucinations and delusions are inconsistent and incompatible with the patient’s mood. Most persecutory delusions and delusions and ideas of reference, as well as phenomena such as control “freakery” and Schneiderian First-rank Symptoms are mood-incongruent. Mood incongruence is especially prevalent in schizophrenia, psychosis, mania, and depression.

Misdiagnosing the Bipolar Disorder as Narcissistic Personality Disorder Depression and Cluster B Personality Disorders – click on these links:

Mutism

Abstention from speech or refusal to speak. Common in catatonia.

Negativism

In catatonia, complete opposition and resistance to suggestion.

Neologism

In schizophrenia and other psychotic disorders, the invention of new “words” which are meaningful to the patient but meaningless to everyone else.

To form the neologisms, the patient fuses together and combines syllables or other elements from existing words.

Obsession

Recurring and intrusive images, thoughts, ideas, or wishes that dominate and exclude other cognitions. The patient often finds the contents of his obsessions unacceptable or even repulsive and actively resists them, but to no avail. Common in schizophrenia and obsessive-compulsive disorder.

Obsessions in the Narcissistic Personality Disorder

Panic Attack

A form of severe anxiety attack accompanied by a sense of losing control and of an impending and imminent life-threatening danger (where there is none). Physiological markers of panic attacks include palpitation, sweating, tachycardia (rapid heart beats), dyspnea or apnoea (chest tightening and difficulties breathing), hyperventilation, light-headedness or dizziness, nausea, and peripheral paresthesias (an abnormal sensation of burning, prickling, tingling, or tickling). In normal people it is a reaction to sustained and extreme stress. Common in many mental health disorders.

Sudden, overpowering feelings of imminent threat and apprehension, bordering on fear and terror. There usually is no external cause for alarm (the attacks are uncued or unexpected, with no situational trigger) – though some panic attacks are situationally-bound (reactive) and follow exposure to “cues” (potentially or actually dangerous events or circumstances). Most patients display a mixture of both types of attacks (they are situationally predisposed).

Bodily manifestations include shortness of breath, sweating, pounding heart and increased pulse as well as palpitations, chest pain, overall discomfort, and choking. Sufferers often describe their experience as being smothered or suffocated. They are afraid that they may be going crazy or about to lose control.

Misdiagnosing General Anxiety Disorder (GAD) as Narcissistic

Personality Disorder

Paranoia

Psychotic grandiose and persecutory delusions. Paranoids are characterized by a paranoid style: they are rigid, sullen, suspicious, hypervigilant, hypersensitive, envious, guarded, resentful, humorless, and litigious. Paranoids often suffer from paranoid ideation – they believe (though not firmly) that they are being stalked or followed, plotted against, or maliciously slandered. They constantly gather information to prove their “case” that they are the objects of conspiracies against them. Paranoia is not the same as Paranoid Schizophrenia, which is a subtype of schizophrenia.

Paranoid Personality Disorder

Perseveration

Repeating the same gesture, behavior, concept, idea, phrase, or word in speech. Common in schizophrenia, organic mental disorders, and psychotic disorders.

Phobia

Dread of a particular object or situation, acknowledged by the patient to be irrational or excessive. Leads to all-pervasive avoidance behavior (attempts to avoid the feared object or situation).

A persistent, unfounded, and irrational fear or dread of one or more classes of objects, activities, situations, or locations (the phobic stimuli) and the resulting overwhelming and compulsive desire to avoid them.

See: Anxiety.

Posturing

Assuming and remaining in abnormal and contorted bodily positions for prolonged periods of time. Typical of catatonic states.

Poverty of Content (of Speech)

Persistently vague, overly abstract or concrete, repetitive, or stereotyped speech.

Poverty of Speech

Reactive, non-spontaneous, extremely brief, intermittent, and halting speech. Such patients often remain silent for days on end unless and until spoken to.

Pressure of Speech

Rapid, condensed, unstoppable and “driven” speech. The patient dominates the conversation, speaks loudly and emphatically, ignores attempted interruptions, and doesn’t care if anyone is listening or responding to him or her. Seen in manic states, psychotic or organic mental disorders, and conditions associated with stress.

See: Flight of Ideas.

Psychomotor Agitation

Mounting internal tension associated with excessive, non-productive (not goal orientated), and repeated motor activity (hand wringing, fidgeting, and similar gestures). Hyperactivity and motor restlessness which co-occur with anxiety and irritability.

Psychomotor Retardation

Visible slowing of speech or movements or both. Usually affects the entire range of performance (entire repertory). Typically involves poverty of speech, delayed response time (subjects answer questions after an inordinately long silence), monotonous and flat voice tone, and constant feelings of overwhelming fatigue.

Psychosis

Chaotic thinking that is the result of a severely impaired reality test ( the patient cannot tell inner fantasy from outside reality). Some psychotic states are short-lived and transient (microepisodes). These last from a few hours to a few days and are sometimes reactions to stress. Persistent psychoses are a fixture of the patient’s mental life and manifest for months or years.

Psychotics are fully aware of events and people “out there”. They cannot, however separate data and experiences originating in the outside world from information generated by internal mental processes. They confuse the external universe with their inner emotions, cognitions, preconceptions, fears, expectations, and representations.

Consequently, psychotics have a distorted view of reality and are not rational. No amount of objective evidence can cause them to doubt or reject their hypotheses and convictions. Full-fledged psychosis involves complex and ever more bizarre delusions and the unwillingness to confront and consider contrary data and information (preoccupation with the subjective rather than the objective). Thought becomes utterly disorganized and fantastic.

There is a thin line separating nonpsychotic from psychotic perception and ideation. On this spectrum we also find the schizotypal personality disorder.

Narcissism, Psychosis, and Delusions

Reality Sense

The way one thinks about, perceives, and feels reality.

Reality Testing

Comparing one’s reality sense and one’s hypotheses about the way things are and how things operate to objective, external cues from the environment.

Schneiderian First-rank Symptoms

A list of symptoms compiled by Kurt Schneider, a German psychiatrist, in 1957 and indicative of the presence of schizophrenia.

Includes: Auditory hallucinations

Hearing conversations between a few imaginary “interlocutors”, or one’s thoughts spoken out loud, or a running background commentary on one’s actions and thoughts.

Somatic hallucinations

Experiencing imagined sexual acts couple with delusions attributed to forces, “energy”, or hypnotic suggestion.

Thought withdrawal

The delusion that one’s thoughts are taken over and controlled by others and then “drained” from one’s brain.

Thought insertion

The delusion that thoughts are being implanted or inserted into one’s mind involuntarily.

Thought broadcasting

The delusion that everyone can read one’s mind, as though one’s thoughts were being broadcast.

Delusional perception

Attaching unusual meanings and significance to genuine perceptions, usually with some kind of (paranoid or narcissistic) self-reference.

Delusion of control

The delusion that one’s acts, thoughts, feelings, perceptions, and impulses are directed or influenced by other people.

Stereotyping or Stereotyped movement (or motion)

Repetitive, urgent, compulsive, purposeless, and non-functional movements, such as head banging, waving, rocking, biting, or picking at one’s nose or skin. Common in catatonia, amphetamine poisoning, and schizophrenia.

Stupor

Restricted and constricted consciousness akin in some respects to coma. Activity, both mental and physical, is limited.

Some patients in stupor are unresponsive and seem to be unaware of the environment. Others sit motionless and frozen but are clearly cognizant of their surroundings. Often the result of an organic impairment. Common in catatonia, schizophrenia, and extreme depressive states.

Tangentiality

Inability or unwillingness to focus on an idea, issue, question, or theme of conversation. The patient “takes off on a tangent” and hops from one topic to another in accordance with his own coherent inner agenda, frequently changing subjects, and ignoring any attempts to restore “discipline” to the communication. Often co-occurs with speech derailment. As distinct from loosening of associations, tangential thinking and speech are coherent and logical but they seek to evade the issue, problem, question, or theme raised by the other interlocutor.

Thought Broadcasting, Though Insertion, Thought Withdrawal

See: Schneiderian First-rank Symptoms Thought Disorder

A consistent disturbance that affects the process or content of thinking, the use of language, and, consequently, the ability to communicate effectively. An all-pervasive failure to observe semantic, logical, or even syntactical rules and forms. A fundamental feature of schizophrenia.

Vegetative Signs

A set of signs in depression which includes loss of appetite, sleep disorder, loss of sexual drive, loss of weight, and constipation. May also indicate an eating disorder.

Read more about eating disorders – click on these links:

http://personalitydisorders.suite101.com/article.cfm/eating_disorders_and_personality


How Deep Wrinkle Cream Can Make You Look Younger

Submitted by: Ray A. Rubio

Botox and cosmetic surgical procedures have become common methods of taking years off of one’s face, but can you afford thousands of dollars for one surgical procedure or for a Botox shot? Contrary to popular belief, facelifts do not have to be expensive; they’re only expensive because of procedures like Botox treatments and cosmetic surgeries. Have you considered using a deep wrinkle cream to combat the signs of aging? If not, here’s why you should.

As mentioned, surgical facelift procedures and Botox injections may cost you hundreds or thousands of dollars, but investing in a wrinkle cream will cost you much, much less. Rather than giving away your hard earned money to a plastic surgeon, why not spend just a fraction of what you would have spent for consultation and procedures fees on a good wrinkle cream? Fact is, you would need more than just one surgical procedure or one Botox injection per year to maintain your newfound youth, so the combined expenditure of all the procedures you’d have to put yourself through per year would be huge.

So with that said, how can deep wrinkle cream give you the same effects as a Botox injection or a facelift?

[youtube]http://www.youtube.com/watch?v=gaTVvy7DYGI[/youtube]

Well, for one thing, creams that contain an element known as microscopic 3D crystals provides instantaneous lift to the face by hiding away wrinkles and fine lines. The microscopic 3D crystals give the illusion of a wrinkle-free complexion by bouncing off light. Most deep wrinkle creams would also contain hydrating agents which keep skin rejuvenated and supple.

Certain deep wrinkle creams have antioxidants that help fight free radicals that adversely affect your body’s production of collagen. Collagen is a protein that keeps your skin supple and firm, and the breakdown of this protein by free radicals cause the skin to lose its elasticity and suppleness, causing wrinkles and fine line to appear. Using creams with antioxidants can help prevent this ongoing damage, so your skin cells will remain healthy. Constant use will ensure a long lasting effect, and you will notice a younger and healthier looking skin over time.

Newer deep wrinkle products contain natural ingredients such as Cynergy TK, Phytessence Wakame, and Nano-Lipobelle H-EQ10. These ingredients are probably the closest thing to a miracle you can ever get out of a skin care product in your bid to reverse the aging process. Cynergy TK stimulates the growth of skin cells, and applying a deep wrinkle cream containing such an ingredient is as good as applying a new layer of skin over your wrinkles. It also acts as a moisturizer as it penetrates deep into the skin. Such ingredients have been tested and proven in scientific studies and clinical trials, and they have shown tremendous potential in the improvement of aging skin.

However, one drawback of products containing such ingredients is that these ingredients are so top of the line, you won’t be able to find or purchase them over the counter in your local department store or drugstore. Instead, such products can only be found and purchased online. But rest assured, the time and effort spent in hunting down the best deep wrinkle cream online will have you smiling when you see the years disappear from your face.

About the Author:

Click here

to get free advice on how you can enhance the look of your skin. Ray A. Rubio is a skin care specialist providing advice on choosing the

best anti aging creams

for you. Visit

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for more details.

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Ccba Vs Cbap Certification

Category : Dogs

January, 2018 byadmin

Business analysis professional qualifications help business analysts in many ways. It proves their competence on the subject. It helps organizations to ensure their business analysts are rightly skilled in business analysis process.

However, there is quite a lot of confusion in business analyst’s minds as to which business analysis certification they should pursue. Among the organizations offering business analysis certifications, IIBA® is the most prominent one. It now has 30000+ members of which approximately 10000 are now certified.

IIBA certifications have been most popular and sought after certification among the business analysts globally.

Both CCBA® and CBAP® certifications come from International Institute of Business Analysis™ (IIBA®).

IIBA® has been doing amazing work on making the business analysis profession more recognized among the professional field and in corporate segment.

Last year IIBA® rolled out our new multi-level competency-based Certification program namely

ECBATM – Level 1 – Recognizes individuals entering the field of business analysis.

CCBA® – Level 2 – Recognizes BA professionals who have 2-3 years of business analysis experience.

CBAP® – Level 3 – Recognizes BA professionals who manage and lead with over 5 years of business analysis experience.

CCBA® – Certification of Competency in Business Analysis – is primarily targeted towards mid-level business analysis professionals who have served at least 3750 hours (roughly about 2.5 years) as business analysts in the industry performing BA approved tasks as per IIBA®.

CBAP® – Certified Business Analysis Professional – is primarily targeted towards senior level business analysis professionals who have served at least 7500 hours (roughly about 5 years) as business analysts in the industry performing BA approved tasks as per IIBA®.

Here is a short comparison on both the certification:

High Level Overview of Comparison

Parameter

CCBA®

CBAP®

Certification Body

IIBA®

IIBA®

Targeted at

Business analysis professionals

Business analysis professionals

Curriculum

BABoK 3.0

BABoK 3.0

[youtube]http://www.youtube.com/watch?v=KqvhmtX5Jww[/youtube]

Eligibility criteria – Work Experience

Minimum 3750 hours of BA work experience aligned with the BABOK Guide in the last 7 years

Minimum 7500 hours of BA work experience aligned with the BABOK Guide in the last 10 years

Eligibility criteria –Knowledge Area expertise

Minimum 900 hours in each of two of the six knowledge areas or minimum 500 hours in each of four of the six knowledge areas

Minimum 900 hours in each of four of the six knowledge areas

Eligibility criteria – Training/PD Hours

Minimum 21 hours of Professional Development Training in the past four years

Minimum 35 hours of Professional Development Training in the past four years

Eligibility criteria – Reference Requirement

Two references from a career manager, client or CBAP® recipient

Two references from a career manager, client or CBAP® recipient

Exam mode and pattern

Online exam in prometric

Multiple choice questions

Online exam in prometric

Multiple choice questions

Exam Fees

Application Fee – $125

Certification Fee –

$325 (for members)

$450 (for Non- members)

Application Fee – $125

Certification Fee –

$325 (for members)

$450 (for Non- members)

Recertification fees

$250 for members

$250 for non-members

$250 for members

$250 for non-members

Exam/Question Pattern

3 hours long

130 multiple choice questions.

Questions are scenario-based

3.5 hours long

120 multiple choice questions.

Questions are longer cases (1 to 1.5 Pages of information).

Multiple questions about the case.

Difficulty Level

Medium

Questions require candidate to do a bit of analysis to arrive at the answer

High

Questions require candidate to do a good amount of analysis to arrive at the answer

Business Analysis Planning and Monitoring – 12%

Elicitation and Collaboration – 20%

Requirements Life Cycle Management – 18%

Strategy Analysis – 12%

Requirements Analysis and Design Definition – 32%

Solution Evaluation – 6%

Business Analysis Planning and Monitoring – 14%

Elicitation and Collaboration – 12%

Requirements Life Cycle Management – 15%

Strategy Analysis – 15%

Requirements Analysis and Design Definition – 30%

Solution Evaluation – 14%

Focuses on

Requirements Analysis and Design Definition – 32%

Elicitation and Collaboration – 20%

Requirements Life Cycle Management – 18%

Business Analysis Planning and Monitoring – 12%

Strategy Analysis – 12%

Solution Evaluation – 6%

Requirements Analysis and Design Definition -30%

Strategy Analysis -15%

Requirements Life Cycle Management – 15%

Solution Evaluation -14%

Business Analysis Planning and Monitoring – 14%

Elicitation and Collaboration – 12%

Brand value

Medium

High

Organizations recognize this certificate in their competency framework

You may find the following pages to be useful in this context-CBAP details – AdaptiveUS.com/cbap-certification-trainingCCBA details – AdaptiveUS.com/ccbaYou may find this video to be useful for this comparison.

Visit site for more information. Adaptive US

Some of our recent participant’s feedback –I just wanted to let everyone know I just landed a job at Pfizer as an Enhancements Coordinator! Thank you for your assistance in passing the CCBA. It definitely helped me land this position.They always respond to my questions in a timely manner, no matter what time of day it is, and they are proactive in sharing resources that help you get prepared for the exams. I recommend this program wholeheartedly to any person looking to achieve certification from the IIBA. Adaptive Rocks!!! #5stars


Cabbage Soup Diet: Getting To Know The Cabbage

Category : Dentist

By Darren T

The cabbage is a famous cruciferous vegetable, just like Broccoli, Brussels sprouts, and Cauliflower, that is just commonly used for cooking. It is also popular for its discovered medicinal and therapeutic properties. It is even famous for its perceived ‘fat-burning’ effects, thus the existence of the so-called Cabbage Soup Diet. But most especially, the vegetable was pretty well known because like any other cruciferous vegetables, it is believed to contain certain chemicals that can help prevent the deadly cancer.

The History of Cabbage

The cabbage, from the Brassica oleracea Capitata Group, is a plant that is a member of the Family Brassicaceae or Cruciferae. It was taken from a leafy wild mustard herb that is native to the Mediterranean region. The cabbage was recognized by the ancient Romans and Greeks. They praised this vegetable for its medicinal and healing properties.

The English name of the vegetable was derived from the Normanno-Picard ‘caboche’, which means ‘head’. Because of its ready availability, its being high in nutrients and because it is inexpensive, the cabbage is among those that top the list of healthy and nutritious foods.

[youtube]http://www.youtube.com/watch?v=sEcyznpNrZk[/youtube]

The use of the cabbage was believed to have started during the Greek era. Back then, the Greeks used newly picked white cabbages and made juice out of them. The juice was used to relieve painful or infected eyes. The cabbage juice was also drunk by Romans and Egyptians because it was also believed that the juice can prevent intoxication.

The Health Benefits of Cabbage

We can have a lot of health benefits from the cabbage. Cabbage is anti-inflammatory vegetable, which either reduces, if not prevents, swelling and tenderness. It has lactic acid that helps in disinfecting the colon. Cabbage can also be utilized to lessen headaches. One more benefit that we can get from the cabbage is its anti-cancer properties. Cabbage is also believed to be effective in treating other skin conditions. Also, the cabbage juice when drunk from the stem can be a very good remedy for treating ulcers.

If you are suffering from gastritis, the fresh cabbage juice is very good for you. Drinking an amount of 25-50 ml cabbage juice daily is also very useful in dealing with headache, bronchitis, asthma, and other problems in digestion. Mouth ulcers will be healed faster when white cabbage juice is dabbed on the mouth ulcers.

The Varieties of Cabbages

Cabbages have several varieties according to its shape and maturity. There are Green and Red Cabbages. There is also the more delicate Bok Choy, which is a Chinese variety of cabbage. The ‘Early Jersey Wakefield’ (cone-shaped), “Late Flat Dutch”, and “Danish Ballhead” (late, round-headed) are the traditional varieties.

Raw cabbages are commonly shredded or are sliced into thin strips. These are used in salads, like that in coleslaw. Its leaves are softened by placing the whole head of cabbage inside the freezer or parboiling and then filled with chopped rice and/or meat. Cabbage often supplements to stews or soups. The Cabbage Soup Diet is exceptionally popular in both Eastern and Central Europe.

About the Author: Author is the webmaster of

Cabbage Soup Diet

. You might be interested in

Cabbage Cultivation

and

7-Day Cabbage Soup Diet

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Is Credit Union A Good Alternative To The Banks

By Sean A. Kelly

Credit Union is very similar to banks, but credit unions have some unique characteristics that make the institution different. Is a credit union better than a bank? A credit union is an institution owned by the ‘members’ or customers. Contrast this with banks where the customers are just customers. Banks answer to profitability – usually shareholders own a bank and expect financial performance from bank management. Credit unions are nonprofit organizations that strive for service over profitability. While it is true that credit unions are nonprofits, however they are not charities. Credit unions must make sound financial decisions. If all the customers own the credit union, then who has time to run the place? Credit unions actually have the same type of personnels as banks. Upper management consists of a board of directors who make decisions on credit union operations. This board is composed of elected volunteers. They don’t do it for pay – rather, they are credit union members who want a say in how the place is run. In its simplest form, a credit union gets money from its customers and loans that money out to other customers. Credit unions will typically offer the same products and services as larger banks. However, some credit unions will choose not to offer every product and service out there. The reason is that these credit unions do not do the same amount of volume that larger banks do. Banks can afford to have ‘loss-leaders’ or products that get customers in the door. Credit unions will more likely only offer the products and services that a large portion of the membership is likely to use. Credit union deposits are insured very much like your bank deposits. The organization that insures the two types of institutions is different. However, the quality of insurance is the same in my mind – backed by the full faith and credit of the US government.

Credit union loans have been around for years, but people still wonder exactly how they work, and if they can get the same feature and benefits of a big bank. This summer, some folks are wondering if they can afford to enjoy it as they have in the past. Ever since the recession, banks have been losing the respect of the public. Their reputation has been tarnished, and many are wondering where they can take their money for reliable, friendly and cost-effective service. At a credit union, you are the shareholder when you become a member. You’ll be asked to keep anywhere from $5-$25 in a share-savings. This is your share and you are now part owner. But since credit unions are inherently non-profit, all those funds that are normally generated must be funneled back to you. There are fewer and smaller fees, and often much more leniency in refunding them. More money for training new employees and keeping talented financial advisers on staff results in more knowledgeable service. You can get higher returns on your deposits, and you can get some of the best rates on the market for loans.

[youtube]http://www.youtube.com/watch?v=__zxiCrdOJA[/youtube]

Many people mistakenly think when a credit union loan has been charged-off that it’s been cancelled by the creditor. This is not true. You are still responsible for paying off the debt. For e.g. in cases of credit cards when the charge-off has been done by the creditor, you will not be able to use your credit card to make purchases. Companies, including creditors and lenders, have profits and losses every year. They make money from profits and lose money from losses. When a creditor charges-off your account, it’s declaring your debt as a loss for the company. Even though the creditor has acknowledged your debt as a loss in its financial records, you don’t get away free. Your creditor will add a negative entry (a charge-off) to your credit report and continue to attempt to collect on the debt. An account is usually charged off after 180 days, or six months, of less-than-minimum payments. The charge-off will remain on your credit report for seven years from the date it was charged-off. If you pay the debt, it will be updated with a status of “Charged-Off Paid” or “Charged-Off Settled.” Either is better than a simple “charge-off” status, but is still undesirable. The only way to remove a charge-off from your credit report is to wait the seven-year period or negotiate with the creditor to have it removed after you pay the account in full. The creditor can charge off a delinquent loan, regardless of what may be surmised from the debtor’s intent.

About the Author: Credit union Credit union loans Credit union loan

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Benefits Of Dog And Cat Pet Massage

Category : Puppies For Sale

byAlma Abell

Your pet is your close companion. He or she is your friend and a member of your family. Some days, the best reward for your pet is to treat him or her to a massage. In Middleburgh a veterinarian should understands the need to pamper your pet. This is particularly true if the animal is a working one.

What Is a Pet Massage?At its most basic, a pet massage is upgraded petting. When you notch it up, it becomes a diagnostic tool for discovering health issues; it also becomes a therapeutic method to address pain issues in your pet. While a Middleburg veterinarian may not be part of an alternative veterinarian clinic, he or she does recognize the effects of certain holistic and complementary practices.

Canine and Feline MassagePet massage is one way to help you bind with a new animal and increase your bond with your current pet. It also allows you to spend quality and even fun time with your favorite four-legged friend. You can give him or her the best massages possible if you master a few basic techniques.

[youtube]http://www.youtube.com/watch?v=kui_29j1odo[/youtube]

Several books and videos exist to help guide you through the practice. In general, the texts provide clear instructions accompanied by pictures to help guide you through the process. They remind you to always speak softly, never raising your voice. This helps to soothe and calm the pet during the process. They will show you how to apply slight pressure (acupressure) to certain areas. This will help to relieve tension and any strain or stress to the muscles. Moving your hands over a dog or cat in this fashion will help you find any lumps or unusual growths.

Hire a ProfessionalIf you are not sure or confident and do not put faith in correctly interpreting the images and direction in books or videos, a Middleburg veterinarian would recommend you take your pet to a professional. A professional pet masseuse is aware of all the techniques. They can relax your pet effortlessly and help your pet enjoy the entire procedure from start to finish.

Seeing, as recommended by a Middleburg veterinarian, a professional will ensure your pet receives a correct massage. It also gives you a chance to observe the technique and learn from it. Pet massage borrows from the best of human massage. It adapts the techniques used in Swedish Massage including:

*Effleurage*Pétrissage*Frictions*Vibrations,

In the end, you will get back one happy, relaxed cat or dog.

Talk to a Middleburg Veterinarian

Research indicates the power of massage. It can act as an early warning system of various health issues such as cancerous tumors and lumps. It can aid in recovery from surgery through its ability to increase the blood and lymph flow. If you massage your animal, your Middleburg veterinarian will applaud you. If nothing else, it makes his or her job so much easier. Massaging is, after all, one means of increasing your cat or dog’s acceptance of being handled.

If you are looking for a vet who is there for you when you need him or her, contact a Middleburg Veterinarian at the Argyle Animal Clinic. Their professional staff has been helping pet owners with the care of their pets for more than 25 years. From cats and dogs to the exotic, we can provide the best in veterinarian care. To learn more about our unmatched bedside manner and approach, visit us online at


Fire Rated Downlights Could Save Your Life

Category : Steel Manufacturer

Fire rated downlights are designed as a safety measure and will prevent the spread of fire. If you are unsure about whether you need to install them or not then think about the small amount of cost that is involved then consider what and why they are designed to do.

Fire rated downlights are made from or contain intumescent material, this material expands when it reaches a certain temperature sealing off the hole and slowing down the spread of fire. The fire is then unable to have direct access to the structure of the building.

Fire rated downlights are used to maintain the ceilings fire integrity. Part B of the Building Regulations covers fire safety and has been a legal requirement since 1987. Not all downlights have to be fire rated but it is important to know when and where they should be used.

When a recessed downlight is installed, a hole must be cut into the ceiling to allow the downlight to be mounted in. This hole reduces the fire integrity of the ceiling. In the event of a fire, flames spread through the holes and set light to the structure of the building. Most ceilings are constructed from timber joists which in the event of a fire, could burn and collapse in a matter of minutes. If the structure of the building is made from materials with higher temperature ratings such as concrete then fire rated downlights are not necessary.

The minimum fire rating for downlights is 30 minutes; this rating is for ceiling joists with a spacing of 600mm. This should allow enough time for the occupants to escape the building or for the fire service to extinguish the fire without floor or the entire building collapsing.

There are three types of structurally different ceilings:

1. 30 minute ceilings have ceiling joists with a spacing of 600mm and with one layer of 12.5mm plasterboard fixed to the underside of the joist.

2. 60 minute ceilings have ceiling joists with a spacing of 600mm and with a double layer of 15mm plasterboard fixed to the underside of the joist.

3. 90 minute ceilings have ceiling joists with a spacing of 450mm and with a double layer of 15mm plasterboard fixed to the underside of the joist.

Most fire rated downlights are suitable for all three types of ceilings but some are not and only rated for 30 or 60 minute ceilings.

When downlights are being installed in upper floor ceilings with roof space only above them they don’t necessarily need to be fire rated. This is because there is little risk of the fire spreading through the holes and onto the structure of the building. However, fire rated downlights have many other advantages. They are also approved to other important Building Regulations such as Part C – moisture protection, Part E – acoustic resistance.

Building Regulations now state that a room should be air tight, if you have multiple downlights that are not fire rated warm air will escape through the holes. In cold ceiling spaces such as loft areas, downlights act as chimneys and draw out the warm air from a room.

Even if you feel that fire rated downlights are not important for preventing the spread of fire then these other Building Regulations should be considered. Most adjustable downlights do not provide moisture protection or acoustic resistance.

To summarise, although fire rated downlights are slightly more expensive, they are safer, comply with the Building Regulations and may offer peace of mind.