Planning Strength and Speed Training For American Football

October 27, 2016

American Football, like many other sports, has a history of coaches with a poor understanding of the sport’s demands inflicting upon players the necessity to run laps of the pitch, and engage in other forms of training at odds with the sport’s unique demands. With a constant stop start style to the play, with the average play lasting no longer than ten seconds, followed by a much longer rest period, its demands are closer to traditional sprinting and weight training methods, than sports such as Rugby or Boxing, where there is a much greater endurance element required. At the same time, the sport has a big element of lateral mobility and technical considerations to consider, absent from pure speed or strength sports.This article will look at ways to incorporate speed and strength training methods to assist a player looking to improve his speed/strength during the football off-season. Each element will be considered individually. Given the wide range of requirements for the different positions in football, this article will focus on training planning for a typical week for Linebackers, Backs and Strong Safeties, although the advice is applicable to most positions except Kickers and Offensive/Defensive Linemen. Even then, many of the elements would remain broadly similar for these positions.Strength TrainingMost American Football players today will already place a large emphasis on strength training as this has been emphasized for a comparatively longer time in the sport due to the ever increasing demand for larger and stronger athletes. This does not mean that players should automatically follow the training advice handed out in bodybuilding magazines, or follow a generic college training program. Unfortunately, most college programs suffer from being overly simplistic due to the need to try to train 40 or 50 athletes at once in a facility. This type of training leads to the most simple, easy to administer programs being handed out to athletes, rather than the most effective. Similarly, athletes who believe bodybuilding programs can enhance sports performance may potentially gain some muscle size but at the expense often of relative strength and speed going down, as well as a decrease in joint mobility if emphasising single joint exercises. Additionally, bodybuilding programs’ emphasis on training to failure and exhaustive work on individual muscle groups will lead to less energy being available for the high intensity, explosive work which football demands.Split Training vs Whole Body TrainingMost players will often follow a typical bodybuilding protocol where individual muscle groups are trained once per week with very high volume. Unfortunately, while this may work under certain circumstances for bodybuilders, football players cannot afford to adopt this method. Most significantly, this method of training makes it very difficult to integrate training with the demands of improving other elements vital to success in football. For example, many bodybuilders will train back, quadriceps, hamstrings on separate days. This will mean for most of the time players will have insufficient energy to perform their other drills, sprint work etc due to excess muscular fatigue. Furthermore, split training will mean the central nervous system is always under stress from constantly performing high intensity activity leading to impaired recovery and ability to perform other drills outside the gym with the required intensity.

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This leaves two options. The first is to adopt a lower/upper body split and the second is to adopt a full body training program. Both options have their advocates. Splitting the body into lower/upper will mean legs get trained twice a week meaning five days are left for rest. By only training legs on those two days, a greater volume of work can be performed on training days compared to a typical whole body approach consisting of hitting the weights on a Monday, Wednesday, Friday basis, where because of the increased frequency and need to train upper body as well, leg training volume would need to be reduced.Depending on the athlete’s needs an upper/lower split is usually more useful for increasing strength and muscle size as many will struggle to maintain the intensity needed for a long, whole body training workout. A sample lower/upper body split would be as follows:Sample Strength Training SplitMondaySquats 4 x 4-6
Romanian Deadlifts 4 x 4-6
Step Ups 2 x 8
Pullthroughs 2 x 8
Ab Rollouts 2 x 8TuesdayIncline Bench Press 4 x 4
Hang Cleans 3 x 3
Shoulder Press 2 x 6
Pullups 2 x 6
Tricep Extensions 2 x 8
Barbell Curls 2 x 8ThursdayPower Cleans 5 x 3
Snatch Grip Deadlifts 3 x 5
One Legged Squats 2 x 6
Glute Ham Raise 2 x 8
Hanging Leg Raises 2 x 10FridayClose Grip Bench Press 3 x 5
Pullups 3 x 5
Incline Dumbell Press 2 x 8
Seated Row Machine 2 x 8
Tricep Extensions 2 x 12
Dumbell Curls 2 x 12Speed TrainingSpeed training for football players needs to consider the fact that football sprints are usually of much shorter duration than sprinting in track and field events. At the same time the body mechanics of football players will be different to those you see in top class sprinters.Having said that, a speed training program for football players will have a large degree of overlap with that of Olympic athletes but with a limited requirement for the type of speed endurance work performed by sprinters during the summer track season. Instead a football program should primarily emphasise acceleration techniques with a smaller component of top speed work so that for the rare occasions that a full sprint is required, the player is able to maintain his top speed for longer.Although there are many differing views on how to train speed, the approach used by Charlie Francis[i] is one which works well for integrating the other aspects of football training.Speed Training Template for Off-SeasonMondayWarmup – 5 min general warmup
Mobility Exercises – 10 min
Running Drills – 10 min
Start Work – 6 x 10m (Practise a 3 point or 2 point stance and perform a maximal 10m sprint)
Acceleration Work – 6 x 20m (2 or 3 point stance and accelerate through to 20m)
Acceleration Work – 2 x 30m (Run from standing start to 30m)Rest times between sprints should be 2-3 mins for 10m work, 3-5 min for 20m work, and 4-6 min for 30m work to ensure full recovery is attained.The astute reader will notice the sprints are combined on a day where the weights pushed will be heavy. Depending on the athletes needs, they could sprint in the AM and do the weights in the evening or vice versa. Both approaches will work. The main factor behind placing sprints on the same day as weight training the legs is to allow for greater CNS and muscular recovery. Trying to sprint on separate days (e.g. on Tue) would mean the legs still being fatigued from the day before and then having less rest before the next weight session for legs. By contrast, combining weight training with leg work on the same day is something sprint coaches usually recommend.TuesdayWarmup – 5 min general warmup
Mobility Exercises – 10 min
Running Drills – 10 min
Tempo Work 8-10 x 100m @60-70% speedTempo training is running the distance at a sub-maximal speed and walking the next 100m. It is very important both for active recovery (recovering from the previous day’s exertions), learning to run in a relaxed manner (many athletes strain too much when sprinting maximally), and for overall conditioning and fat loss (the intervals being approximately similar when running/walking, as the work/rest time in football and in fat loss protocols such as Tabata).WednesdayWith another high intensity day scheduled for Thursday, Wednesday is a time to rest and recuperate. Some mobility and drill work is okay for those who need it though.ThursdayWarm-up – 5 min general warm-up
Mobility Exercises – 10 min
Running Drills – 10 min
Start Work – 6 x 10m (Practice a 3 point or 2 point stance and perform a maximal 10m sprint)
Acceleration – 3 x 20m
Acceleration – 3 x 30m
Top Speed – 3 x 50mThursday’s sprint training session is partnered with a relatively low load, explosive lifting weight training day. The sprint distances complement the weights by being of a greater distance and speed. This is the day when the football player will work his maximum speed but we keep acceleration work in, albeit at a reduced volume, as acceleration is a very important factor for football as well as helping to warmup the body for the top speed work. Rest times can be up to 10min long for the top speed sprints. The work conducted has to be of a high quality with full muscular and CNS recovery between sprints the aim of the athlete.FridayTempo Work – 8-10 x 100m
This day is a repeat of TuesdaySaturdayWarm-up – 5 min general warm-up
Mobility Exercises – 10 min
Running Drills – 10 min
Start Work – 4 x 10m (Practice a 3 point or 2 point stance and perform a maximal 10m sprint)
Acceleration – 3 x 20m
Acceleration – 2 x 30m
Top Speed – 2 x 50m
Top Speed – 2 x 60mSaturday is the day when we should be at our freshest. There is no weight training prior to training and we are furthest removed from the draining effects of the heavy weight training conducted on Monday and Tuesday. There is a greater emphasis on top speed work this time with an increase in the distance up to 60m. This should be the time the athlete is setting his best times.

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SundayRestGoing Past a WeekAt this point it should be pointed out that the approach given is for a sample training week in the off-season. Strength and speed training should still be periodized as normal. A favored approach of many programs is to gradually increase training volume and intensity before incorporating a week of reduced volume and intensity to allow for supercompensation and CNS recovery to take place. A 3/1 split of hard training followed by an easier “unloading” week will help promote continued improvements rather than trying to constantly add weight/sets/sprints to the program which will only lead to stagnation.At the same time, other exercises and techniques will usually be incorporated to provide the athlete’s body with new challenges but the overall goal should remain the same which is to increase strength and speed over the long haul. Although it will be easy for a beginner to make rapid improvements in both strength and speed following a structure such as that outlined, at some point it is likely that either the weights or the speed work will have to be reduced in volume (although not intensity) and maintained so that the other quality being work can be emphasized.Most 100m sprinters will usually go from a program where strength increases are emphasized in winter to one where weight training is restricted to maintenance only so that full attention can be devoted to maximal speed work during the summer months.Of course, for American Football players, they may have a differing view on which element needs emphasizing but the fact remains that given that neither strength or speed improvements in-season are realistic, the player should look at his off-season training program and consider which variable he needs to work on the most. Then, he can perform a greater or lesser amount of speed or strength work as deemed appropriate by him and his coaching staff. For a strong athlete with limited speed this would mean reducing the volume of his weight work on his training days and training speed first in the training day, when the CNS and muscular system is freshest. On the other hand, a weak, fast athlete may wish to perform a limited amount of speed work and increase his weight training volume so that he can bring up his strength levels quicker.Other FactorsMany other factors beyond how the athlete structures his training are important including mobility drills, nutritional support, supplementation, recovery and regeneration techniques, and technical work. Although these are beyond the scope of this article, each element should be implemented carefully. Please check the other articles at this site for further reading.[i] The Charlie Francis Training System (1992)

Sexual Roleplaying – What it is and the Best Way to Do It

September 7, 2016

Roleplaying is simply when participants adopt and act out characters that are not themselves. Sexual roleplaying therefore is when couples act out characters with an erotic motivation as part of a sexual fantasy. It can range from being serious with costumes, accents, props, etc. to just being something that is imagined, like being stuck on a deserted island. Practically any role could be involved in sexual roleplaying as long as both people involved are interested. Pretending to be someone you are not can be fun and exciting when done correctly.Roleplaying can also be good for a marriage as it may be an opportunity for a spouse to ask for something she has always wanted done to her or done for her, but never felt comfortable asking for. For example, in a roleplay where the wife is the dominant person (boss) she might feel more open about telling her husband (employee) that she wants to have her body rubbed in a certain way that she had never asked for before. The reduction of inhibitions can be great for a marriage as inhibitions are a killer of sexual enjoyment.Some roleplaying scenarios are:* Animal-related where one is treated as a non-human animal such as a dog or pony
* Hospital fantasies involving doctors, nurses and patients
* Stranger-related one or both spouse pretend to “meet” for the first time
* School related – Headmistress and Student or Teacher and Naughty Schoolgirl
* Photographer and Model
* Stripper and Client
* Business related – Boss and Employee, Boss and SecretaryIf this is your first time thinking about roleplaying, start with something simple, like Photographer and Model and then move on to ones where the acting requirement is a little higher.Roleplaying is a lot of fun and is easy, but there are a few important requirements:1. It requires open communication
2. It requires a willingness to participate
3. It requires honesty
4. It requires not taking yourself too seriously
5. It requires establishing rulesLet’s examine these requirements in a little more depth.1. Roleplaying requires open communication – Roleplaying can involve actions that when taken too far, might be uncomfortable for one or both partners. Let’s say a couple pretends to be strangers who meet in a bar. They pretend to have different pasts and even different names. As the night continues, the husband begins to feel uncomfortable being called a different name. As soon as he realizes this, he needs to be able to communicate with his wife that he wants to end the fantasy or just be called his real name and continue, or another option he feels comfortable with. Whichever he chooses, being able to discuss that with his wife, even in the middle of the roleplaying, is vitally important.2. Roleplaying requires a willingness to participate – Perhaps a husband wants to be the boss and have his wife pretend to be his secretary with a German accent. His wife should not worry about whether that makes sense, if she knows what a secretary does all day, or if she has any idea what a German accent sounds like. She should give it her best try and of course, have fun!3. Roleplaying requires honesty – The husband finds his new doctor very attractive so he gets his wife to pretend to be a doctor and tries to make the fantasy about his new doctor. This is NOT a situation in which roleplaying should be used, nor is it the purpose of roleplaying. The husband needs to be honest with himself about his motivations for the roleplaying. He may not need to tell his wife he is attracted to his doctor, but he definitely should not start a roleplaying session with the goal of thinking about anyone other than his wife. All sexual fantasy, including roleplaying, is just a tool that helps married couples increase their sexual pleasure with each other.4. Roleplaying requires not taking yourself too seriously – In a roleplaying session, the husband might pretend to be an airline pilot while the wife pretends to be a stewardess. Since neither of them have real airline clothing, they make do with what they have. His outfit leaves him looking more like a butler than an airline pilot which could lead him to cutting short the session out of embarrassment. Instead if he is able to play around and ignore the idea that he looks silly, he will probably end up having a great time.5. Roleplaying requires establishing rules – Similar to open communication, rules are important should something need to change or stop during a roleplaying session. This might be as simple as “no” means “no” or could be something that has been pre-arranged as in a certain stopping time for a specific situation. A couple should always stay where they are both comfortable even if a fantasy heads in an unplanned direction. Also, setting and timing need to be right (as with any sexual encounter). Perhaps a roleplaying scenario was planned for today and a wife comes home from a horrible day at work. A postponing may be in order. Again, the ultimate point of roleplaying is to have fun and enjoy each other.

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

September 11, 2016

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.

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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.

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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

3 Benefits to Using Cloud Yoga Business Software for Your Yoga Studio

August 8, 2016

A Fictional Tale of Two Yoga Teachers:Wendy and John are each starting a yoga studio. They have their space, a website, and recently opened for business.They also chose to administer as much of their business as possible on computers (who doesn’t these days). They each have a laptop so they can be mobile, or so they think. They also have a desktop in their studio.Students are coming to their classes and they’re delighted by this. Yet, they both desire more students. Their business is in a growth stage.When not teaching classes and chatting with students, they’re on their computers taking care of the financial aspects, marketing, curriculum / class planning, and overall administration of their business.When they started, they weren’t sure the direction their business would take so they held off buying any specific business management software. Instead they used Word and Excel to take care of their software needs. So far their software set up is working okay, but they see the writing on the wall how something more sophisticated could save them time.Wendy and John go online to start looking at yoga business software options. They’re pleased that there’s a lot of options. Of course options mean making a decision.Wendy decides to go with a cloud computing software platform while John opts for an installation software option.Wendy’s option requires that she pay a monthly cost to use her software. John likes the fact he only pays one time for the software.Wendy logs into her software account through the Internet and sets up your software for your business. It takes a few days to get familiar with it, but within a week she has her software working for her with a class schedule set up and she’s put her student contact information into the database. She also set up her autoresponder email account and integrated it with your student contacts.John installed his software on both his laptop and desktop computer. He opted for no server and instead figured out how to network the two computers together so when a change is made in one computer it’s reflected in the other computer. He spent about a day getting his software installed and networked.

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Like Wendy, he takes a few days inputting his student contact information and formatting his class schedule in the scheduling software. His email software is separate, but he’s managed to integrate it using an APP with his installation-based yoga business software.Fast forward 2 years. Both their yoga businesses are doing better than ever. Each of them hire 2 teachers to teach designated classes and a receptionist. This growth required more computers for their staff. Wendy, simply upgrades here software to add another user. Her staff simply logs into the software through the Internet.John buys another license and then goes through the installation process. Now he must network another computer. He’s read that using a server is a good idea, but has no idea how to set up a server. Given his business is growing, he decides to hire a networking consultant. After buying a dedicated server and paying networking consultant fees, John spent $1,500. His software also upgraded 6 months ago and so he paid $300 in upgrade fees.As their businesses grew, both Wendy and John started selling some retail items in their studio and on their website. They also discovered how effective email marketing is to student retention and growing their business. Wendy’s online software platform offered e-commerce, credit card processing, and integrated e-mail marketing software. She was able to set up her stores and beef up her e-mail marketing quickly.John leased credit card processing hardware, bought a license for e-commerce software and continues to use his original e-mail marketing software that’s integrated with his student contact database.At this point Wendy’s entire yoga business software is centralized and accessible over the Internet. John uses several software services that are installed and networked among his computers. As John’s business grows, his computing needs become more complex and he now has his networking consultant on speed-dial.He now budgets annually for computer consultant fees – something he never anticipated. He of course has heard about cloud software and is now interested in making the switch, but is reluctant given the amount he’s invested in his desktop installation software. He’s going to wait and see.Wendy pays a monthly fee for her service, but is pleased with how easy it is to add new users and grow her business with hardly an interruption in doing her core activities – which is teaching yoga and marketing her business. In fact, Wendy is considering opening another yoga studio knowing aside from finding and designing space, here business is easily duplicated at another location.John would love to expand to another location, but is concerned about the expense of expanding and managing his business so that all his business information integrates seamlessly between his multiple locations. He puts expansion on hold.About Cloud Computing SoftwareWhat is Cloud Computing Software?It’s software that’s hosted by the software company. When you sign up, you get an account and all your software is handled on the cloud – that is hosted and powered by the company’s servers – not your servers. You simply access it online.The biggest reason business owners are reluctant to use cloud computing is the ongoing cost. Most cloud computing software platforms charge monthly to use the service. This ongoing cost is understandably a concern, especially for new businesses. The last thing you want is to be committed to ongoing costs if at all possible avoided.However, when you look at the long-term of your business, and your software in particular, there’s ease-of-use and expansion to consider. With installation software you must always consider the upgrade costs and potential for paying consultants to maintain and grow your network. These unforeseen costs can be hefty in the long run.
3 Key Benefits to Using Cloud Software for Your Yoga Business Software

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1. Access it AnywhereBecause it’s accessible over the Internet, you can access your entire software set up wherever you have an Internet connection (which is pretty much everywhere these days).2. Integrates it with your WebsitesA quality cloud software service for yoga studios makes it easy to update it simultaneously with your websites. For example, when you make changes to your class schedule, those changes are immediately reflected on your website where you post your class schedule. There’s no need to go into your website(s) and manually make the changes (assuming you remember to do this).Also, if you have e-commerce on your website selling gift certificates, yoga class packages, and perhaps gear and apparel, when you make pricing changes (or any changes) in your software, it’s immediately reflected in your website(s).3. No installation and networking costsThis is a biggie. Many business owners when starting out with buying software tend to undermine this. With cloud computing you don’t have to worry about installation and networking your software. As you can see from the above Tale of 2 Yoga Teachers, John’s software costs escalated beyond what he anticipated because of unforeseen consultant costs. This is common with specialized business installation software. Networking software among computers is not an easy task and usually requires an expert to do it well.Will your yoga business fail by not using cloud computing yoga business software? No, but it could make administration and growth more difficult.

Private Banking Services Vs Retail Banking

September 24, 2016

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

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

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

Outdoor Activities For the Family

August 23, 2016

Spending time outdoors enjoying family activities with your children is one of the best ways to pass a day. There are fun family outdoor activities that you can take part in year round. Doing things with your children in this way offers unique opportunities to communicate and reconnect while also having fun.Planning fun family outdoor activities takes a little preparation. It’s best to talk with your family and find out which activities they would enjoy, then plan outings accordingly. Medical conditions have to be a consideration also. A child with allergies probably won’t enjoy a walk in the woods as much as the rest of the family. You have to take everything into account so the whole family enjoys the activity.

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There are quite a few outdoor activities to choose from. Here are some you might want to consider:o Boating: If you do have a family member with allergies, you might consider boating as an outdoor family activity. With boating you don’t have tree and flower allergens to deal with.o Hiking: Going for a hike is a great outdoor activity for the whole family. You can take traditional hikes in the woods of your local state parks, go to military parks and use the hike as an educational tool, or even go to botanical gardens and caves for day hikes. Hiking is an activity that you can partake in most any time of the year if your state doesn’t have bad winters. Just make sure you and your children have the appropriate clothing and gear.o Swimming: A day spent swimming at the lake is probably the ultimate fun family outdoor activity. Children love splashing around in the water, and going to the lake is usually a fairly inexpensive activity which is good for your wallet.o Fishing: Get the kids and the fishing gear together and head out to catch the big one. Fishing is a sport that everyone can enjoy. They even have pink fishing poles for little girls these days to make them more interested in the activity. Fishing offers great opportunities for reconnecting for the whole family. Sitting on the creek bank, or in the boat, waiting for the fish to bite, is the perfect time to ask about each other’s day.

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o Skiing: During the winter months the family can go skiing together. Everyone can start out on the bunny slopes together while they learn the ropes. Being on top of the mountain and looking out at the vast horizon and beauty surrounding you is one of the best feelings in the world.Those are just a few ideas to get you started. There are numerous outdoor activities that families can enjoy. Being together is the most important thing. Spending time doing fun family outdoor activities will improve relationships, develop bonds that last a lifetime, and keep everyone active. Make outdoor family activities a part of your life.

Online Computer Science Schools

August 14, 2016

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

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

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

Take Charge at Telecommunications Schools

October 8, 2016

Instead of taking off work to wait for the phantom cable guy, or pleading with your Internet Service Provider to change your fiber-optic cables back to copper so you can get DSL service, why not take your telecommunication experience into your own hands? Telecommunications schools can show you how.Your FieldIn a world where families and businesses are spread across the globe, telecommunication (communication at a distance) is no longer a luxury — it’s a necessity. Where would you be without your cell phone? Or your BlackBerry? Or your TiVo? All of these are facets of a telecommunication career, which encompasses voice, video, and Internet communication services.In your telecommunication career, you’ll be entering an ever-evolving industry that is continually introducing new technologies and services. Fiber-optic networks bring lightning-speed communications to residential customers. Wireless providers are increasing the capacity of their radio networks and introducing improved portable devices that transmit voice, data, e-mail, and video. And, some wireless phones now use VoIP (Voice over Internet Protocol) technology to make phone calls through local wireless Internet networks.

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Your TrainingThat’s why, if you want to succeed in this competitive industry, you’ll need postsecondary training from telecommunications schools. There, you can acquire the knowledge and skills you need in computer programming and software design; voice telephone technology (telephony); laser and fiber-optic technology; wireless technology; and data compression.The good news for graduates of telecommunications schools is that steady employment is available in almost every community. According to the U.S. Bureau of Labor Statistics (BLS), the telecommunication industry provided one million wage and salary jobs in 2004.Your CareerWhat exactly will you be doing in your telecommunication career? Fifty-five percent of all telecommunication workers are employed in administrative support occupations or installation, maintenance, and repair occupations.Here’s a telecommunication career overview: Telecommunication craftworkers install, repair, and maintain telephone equipment, cables and access lines, and telecommunications systems. Line installers and repairers connect central offices to customers’ buildings. Telecommunication equipment installers and repairers install, repair, and maintain complex communications equipment and cables. Cable installers travel to customers’ locations to set up pay television service so customers can receive programming. Telephone operators make telephone connections, assist customers with specialized services, provide telephone numbers, and may provide emergency assistance. And customer service representatives help customers understand all the services offered by telecommunication providers.

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Graduates of telecommunications schools can expect to be well-compensated for their efforts. According to the BLS, average weekly earnings of nonsupervisory workers in the telecommunication industry were $853 in 2004, significantly higher than average earnings of $529 in private industry.Quit waiting for the elusive cable guy, and boost your career competence at telecommunications schools today.

Cornwall’s Gardens

September 7, 2016

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.

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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!

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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.

Selecting and Clearing Music For Radio Commercials

September 12, 2016

Proper music selection and proper music clearance for radio commercials is an important step in the radio advertising process. Whether you are a radio station, an ad agency, a voice-over talent, or an independent production company it is imperative that you do a good job choosing the right music for your spot, as well as getting the proper music clearance for your project. Royalty free music libraries are a great place to start, as they have many different styles of music that can be previewed online.Choosing the right song is typically the easy part. As you sit down to create your radio commercial, ask yourself the following question: “what is the mood that I need to support with my choice of music?” For example, if you are creating a public service announcement designed to tug at the heartstrings, your music choice should be emotional, mild, and slightly dramatic. On the other hand, if you are trying to sell the latest and greatest fitness equipment, you probably would want to steer the music toward some high energy, workout music. Ultimately, the music and the copy need to support each other. A radio commercial with well selected music can bring a far greater return than one that is put together without a lot of thought given to the production music.

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For most people, proper music clearance is a bit more complicated than selecting your music. For example, if a radio commercial is read as a “live spot” on the air, the station can use almost any music in the background that is covered by their ASCAP or BMI licenses. The key here is that the music is not repeated consistently, or used so frequently as to be construed as theme music for that particular radio commercial.On the contrary, most radio commercials are produced once for multiple broadcasts. Regardless of who is producing the radio commercial or where it is being produced, proper music clearance is a vital step in staying on the right side of the law. When you synchronize a piece of music with your commercial, you will need to get music clearance from the owners or representatives of that musical work (the music publisher) and of the owners of the master recordings (sometimes the publisher, sometimes the record label, sometimes the artist, etc.). Royalty free music libraries are a great place to start because they can typically grant full music clearance on both the musical work (copyright) and master recordings.

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If you are hiring someone to create your radio commercial for you, the responsibility for the music clearance typically falls on the radio station, ad agency, or production company who actually creating the spot for you. It is always a good policy to discuss music clearance with them to make sure everyone is on the same page.