Pronunciation: Get Better In Another Language

Pronunciation can affect how we communicate. Many people, who have had a go at learning a foreign language, have experienced that sinking feeling when they try a well-constructed sentence in another language only to be met with a blank face.

Why is this?

Languages are built on sounds. If I speak English and live in an English-speaking country I expect a speaker to say sounds in a particular way. In French or Spanish I would expect to hear different sounds. When we can’t recognise the sound we try and adjust how we are listening, a bit like tuning a radio, but if we can’t guess the sound, the chances are we won’t understand what is being said.

The Blocks of Pronunciation

Pronunciation has two main aspects to it, physically producing it and the sound that is produced from it, the hearing of the sound. As we get older the ability to do both of these, i.e. physically work out how to make the sound and recognise it, can diminish. This doesn’t mean we can’t continue to learn new languages but we need some extra tricks to help us.

Let’s look at some ideas on what we can do when we learn a new language.

How am I saying it?

Try saying the letters. Notice how your mouth is working. If you don’t know how a sound is physically made you may find it harder to say it.

What sounds are the same?

English has many more sounds than other languages but it also has a lot of sounds in common with other languages. Good dictionaries in a new language will usually offer an English sound or word to compare with. Use it to check what sounds are similar.

Which sounds are hard to say?

Go through the alphabet of the new language and mark out the ones you find hard to say. Give them some attention. Try and physically make the sound and see how your mouth works. Say the alphabet. Look at how children use the alphabet song in English to help them remember the alphabet, doing the same in a new language will also help memorise the letters and sounds.

Read out loud.

Find some reading form your course book or any other book. There are two advantages here. One you get to say the letters and words. Secondly you get to practise sounds that you expect to hear and you become accustomed to the sounds of the language.

How good do I need to be?

There is much discussion on this. For many of us the ability to get by in other languages is good enough. If we can say what we want, simply, slowly and the person we are speaking to, can understand us, then our pronunciation is probably good enough. After that it is a matter of choice. Some people become very good at other languages and get to very good levels of pronunciation. Not many of us are such gifted linguists but there’s no reason why we can’t make the words so that people can understand us.

Five Home Improvement Tips To Help You Transform Your House Into A Stylish Home

When deciding to transform your house into a stylish home, you can use different approaches to the various parts of the house in order to minimize your renovation costs.

- The Interior Design Approach

1. One approach that you can employ is by focusing your renovation design towards your staircase. You can change the design of your staircase to make it appear more cozy and modern or use wooden materials with carving designs to have a more traditional and yet stylish look. Redesigning your staircase would also depend on which part of your house, it is located.

2. Once you have redesigned your staircase, the part of the house where it is located should also follow to match with it. If it’s in the living room, then the living room should be redesigned as well. In renovating your living room, you can repaint the walls to match the color of your staircase railings. If the railings are made of wood, then it would best to have a wall paint colored beige or other variants of earth colors. If you still prefer a light colored wall, you can repaint the base of the wall with a darker tone of brown.

3. Aside from transforming the staircase or the ceiling you may also redesign the flooring of your house. A quick and easy way of doing this is by replacing your old flooring with laminate floorings. You can choose from the variety of materials that are used for laminate flooring. For example, if your theme is the more traditional look, then you may use the laminate flooring which resembles wooden parquet flooring. If you are looking for a more environmentally sound floor, then one of the incredibly stylish and durable bamboo flooring options currently on the market may well be a better choice.

- Transforming by Changing the Furniture

4. If renovating the entire interior of the house is too costly for your budget, you may opt to buy new furniture to replace those old and tired looking pieces that are an eyesore. You can purchase new designs of living room sofas with matching sleek and modern center and side tables. 5. You can also purchase a made to order bar if your living room has more space to accommodate this. A living room bar adds excitement and style to any boring traditionally styled living rooms.

So there you have it, five simple yet extremely effective tips for transforming your house into a stylish home. Have fun!

Commercial Real Estate Appraisal

Probably most of you are informed about the nature of commercial real estate appraisal, but the fact that some of us are ignorant of what the commercial real estate appraisal is all about, the need for thorough explanation about this matter must be given attention.

So for that reason, I would like to discuss some important considerations about the nature of commercial real estate appraisal. Just remember that this information is just some of the fundamentals for a successful commercial real estate appraisal.

According to many resources, the commercial real estate appraisal is just like some forms of home appraisals that most of the people need when buying or selling a home. For that alone, the commercial real estate appraisal is therefore an estimate of the value of the commercial real estate property. It is important to note that the commercial real estate appraisal is not just done by any person, but the commercial real estate appraisal is performed by a qualified and certified professional called an appraiser. Along with that fact, the commercial real estate appraisal is generally recognized with one of three approaches, which include a cost approach, a comparison approach, and an income approach.

With a cost approach of commercial real estate appraisal, the appraiser investigates what would be the cost for a replacement or improvement of the commercial real estate as of the date of the commercial real estate appraisal. In the sense of the second approach of commercial real estate appraisal which is the comparison approach, the appraiser in this sense of commercial real estate appraisal approach really make some comparisons with the value among other commercial real estate properties of the same size, quality, and location that has been currently sold. On the other, the use of the commercial real estate appraisal’s third approach, which is the income approach of commercial real estate appraisal, the appraiser then identifies the value of the commercial real estate property based on the estimate of what an investor would pay with respect to the net income that the commercial real estate property contributes. Nevertheless, the income approach of the commercial real estate appraisal is said to be only available for income producing commercial real estate properties.

Finally, the commercial real estate appraisal will be only made successful if the commercial real estate appraisal includes the estimate value, the effective date of the appraisal, the purpose of the appraisal, the identification of the commercial real estate property and its ownership. Aside from that, the commercial real estate appraisal must also include the condition of the neighborhood, factual data, qualifying conditions, analysis and interpretation of the data and the assumptions made the processing of the data by a single or more of the three approaches to commercial real estate appraisal to value and the certification and the signature. Such considerations must be given attention when doing a commercial real estate appraisal for the benefit of the parties involved in the commercial real estate appraisal.

How To Find Top Financial Services

Finding top financial services may sometimes feel like a daunting task. When it comes to your money, you want to be sure that you’re working with a company or an individual that you trust. There’s nothing worse than realizing that you’ve been placing your money in the wrong hands. Since there are many different types of financial services, there are many ways to find the top financial services. Before you start looking, you should educate yourself on the area of financial services that you are looking for. If you can figure out what you should be looking for it will be easier to find it. Self education is the best step that you can take in your own financial management.One of the most important types of financial services that most people will use is their bank or credit union. Since a bank or credit union will provide a wide variety of services, from checking and savings accounts to loans, it makes sense to take some time to choose the right institution for your needs. A lot of people choose their bank based on their commercials or a small piece of the puzzle, like free checking.For an accurate review of the aspects of a particular bank, you can search online for reviews. People aren’t afraid to share their opinions on a bank that has mismanaged their money. These days, thanks to the internet, you can see how a bank really treats its customers and make an informed decision.A good resource for evaluating your financial services options is Bankrate.com. This website has detailed information on the interest rates of checking and savings accounts from a variety of different banks. It’s also a good place to find out about mortgage loans, auto loans, CDs, investments and credit cards. You can use this resource to thoroughly investigate your options before making a decision. It will make it easy to find the top financial services.Besides banks, loans and investments, there are many other types of financial services. If you are going to be investing in the stock market, you’ll need a broker. If you want an expert to do your taxes, you’ll need an accountant. Some people even opt to talk with a financial advisor to help them with a wide variety of financial needs.These types of professionals can be found in your local community or online. Since they work directly with you and your money, you’ll want to take some time to find the right option for you. The best way to start finding these types of financial service professionals is to ask for referrals. Talk to your friends an family about what you are looking for. Many of them may use the type of financial professional that you are looking for.In addition to referrals, you can also use the Better Business Bureau’s website to find reputable professionals in your area. If a company or individual professional has complaints against them, the BBB’s website will let you know. The site is located at www.bbb.org. It is a fast and easy way to find top financial services in your area.

Juggernaut Or Not: Card Games To Select From

Cards is an ancient pastime that over the ages has only picked up popularity and fans. During childhood simple games such as War are explained and then used as a learning tools for helping totters appreciate the world of numbers. As people grow up they begin to play more complicated games that rely on strategy and skill to determine outcome. I have surveyed some of the more popular ones and compiled a list of the toughest and the easiest to learn.

Snap Your Fingers, Soak Them Up:
1) Full and Complete Attack
Based on simple arithmetic, this game using all the 52 cards (including as many jokers as you wish), is one of the all time favorites of children. Neither does it need any strategy nor does it require any particular skill! Full and Complete Attack is generally the first game that children are taught because it not only improves their numerical skills, but adds enjoyment and action to this process.

2) Liar:
Here, all cards lower than eight are removed from the deck, and then seven cards are dealt. The remainder is placed down and one card is placed face-up. According to that card, the player in turn places cards facing down on top of that card. He has to state what card it is, but he can lie. If someone thinks is has lied, they can challenge him and reveal the card. If the player lied, he has to pick up all the cards, if not the challenger does the honors. The goal is to finish all the cards in your hand.

3) Johnny 5:
Johnny 5 is a little more difficult then the first to games but still is very simple to learn. Each player is dealt 5 cards. The left over cards are placed in the center of the table face down the player to the dealers left the may put down a pair of cards or a r 3 card run of cards. If you do not have any the player must take a card. The object of the game is to get rid of all your cards and to have you last one or 2 cards total 5.

4) Joining the Fray:
One of the more entertaining games (especially for children), it requires basic colour and number combinatory skills only. You have to match numbers such as by collecting all fours and all aces, and then release all your cards onto the game deck. The focus of this game is not that much on winning, but on not losing and that is what adds the extra spice to it. It does not matter who throws his cards down first, but the player who notices it last and his cards are the last to hit the table: loses.

List of Most Difficult Games to Learn
1) Bridge:
An old but still popular game, here, you partner with someone and decide before playing how many hands you will win. The complexity of bridge lies not in the rules, which are relatively easy to pick up, but in the intricate game plans and maneuvers one has to master to play well.

2) Dragon Poker:
Dragon Poker is not totally unlike poker. Any of the different variations of poker can be used as the base for the game, but the general rules are very different. There are no official rules for dragon poker, they must be thought up and written down by the group of people you are playing with, and it is the duty of each player to memorize the rules, if you forget a rule it goes against you and if someone else does not remember a rule that can hurt you, do not worry you do not have to remind them. The best games have the most rules. An example of a rule can be if the date ends in an odd number and the dealer is wearing a shirt that the color of the shits spelling is an even number, then each player must pay the dealer 100 dollars. This rule can only be used once and whoever is the first to call out the rule during their deal gets it.

3) Baccarat:
Just like in poker, you have to study and memorize the value of certain cards such as that tens and face cards (Jack to King including Ace) are zero. In addition, you need to learn specific rules such as that if you get an eight or nine no more cards are dealt. To conclude, this game is not for beginners.

The 7 Steps Of Do-it-yourself Financial Planning

You are in control

You are already your own financial planner. Regardless of the extent of help you receive from professionals, you ultimately are the decision maker and you are responsible for your own finances. Although the financial world has become increasingly complex, it is becoming easier today to do a lot of your own planning. The variety of resources has expanded such as software for money management and planning; online tools for banking, financial planning and investing, and resources, and books and blogs that are easy to understand. These resources may be good news for you if the cost of professional fee only financial planners is out-of-reach to you. Besides the cost of fees, others may avoid planners because they have heard stories of advisors trying to sell a product that didn’t fit their situation. Cost savings and avoiding product pitches are excellent benefits of being your own planner.

Everyone should take a more active role in their financial affairs. Not only does it help with educated decision making and fraud avoidance it also helps you better communicate with your other professional advisors such as your accountant and attorney. You will also find yourself spotting opportunities when they cross your path.

Becoming a better manager of your family’s finances will also help you ‘dig out’ if you are struggling financially. When you consider the low savings rates and the high household debt, many more people find themselves in this category today.

The following are 7 steps to do-it-yourself financial planning:

Step 1: Commit

The first step to financial planning always begins with commitment. Whether you are having financial difficulty, or have just avoided setting goals and mapping out a plan – commitment is the first step. Commitment provides the discipline and focus needed to help sustain you on the path towards your goals.

Step 2: Set Goals

Without specific goals and a plan to achieve them financial success stays a foggy dream. Therefore the second step is to list the dreams that will motivate you. Write down all of the goals you want to achieve in the short and long term. This will serve as the driver, or the fire in the engine giving you the motivation to move forward. Everyone has dreams, but without constant watering and attention dreams will go dormant. Leave your past mistakes and inaction behind you, light a new fire and chart a course forward. You have an enormous amount of potential and talent, and if you have made mistakes you now have more experience and wisdom. Dare to imagine what you could achieve because your best years are ahead of you.

Step 3: Assemble and Organize Information

Get your stuff together. Planning is easier if you assemble everything in one central location. Make an organized filing system either in a cabinet, accordion file, a box, any way that works for you. Now locate and file all of your tax returns, receipts, insurance policies, contracts, wills, mortgages, deeds, titles, pay stubs, employee benefit statements, banking (loan, savings and checking), bills, investment and retirement plan statements and any other important papers.

Step 4: Manage Cash Flow

Your household is a business. You need to know how much you are earning and spending each month. Balance your checkbook and establish a budget. There are dozens of books and software to help with this, and your bank’s website may provide this as well. This will help you know when and where you are overspending.

Step 5: Self Educate

Establish a sound foundational knowledge base about financial matters. Start with books about budgeting and money savings tips, debt, basic insurance and investing. Be sure to include reading about mutual funds and financial planning. Avoid get-rich-quick, real estate, gold or innovative ‘secrets’ books. Stick to the fundamentals. I find the “For Dummies, ‘For Idiots’ and ‘D-Mystified’ book series to be very helpful for many people. Lastly, stay informed about current financial topics by reading financial magazines, newspapers, the business section of papers, and blogs.

Step 6: Create a Written Plan

A written plan serves as a road map towards your financial destination. It helps you understand where you are presently and the steps that you need to take to move forward. A financial plan is a process. Your life will change, therefore you should revisit your financial plan at least once a year to make any updates or to include items in your checklist for completion. You should revisit your financial plan at least once a year to make any updates or to include items in your checklist for completion. If you write your own financial plan, you will have to obtain financial planning software. Your other options are to pay to have a written financial plan completed by a fee financial planner or by an institution or professional that provides products. Be sure to find out about how the planner is compensated and what your fees will be.

Step 7: Engage Professionals

Most people can’t entirely do all of their financial planning by themselves. Assemble a team of trusted professional advisors that you can rely on to help you implement different aspects of your plan, answer your questions and be on the lookout for you. The professionals that can be the most advantageous are a proactive tax accountant and financial advisor with extensive planning, investment and insurance knowledge, an attorney qualified in estate planning, and a banker that can help with credit ratings and debt management. Before committing to anyone, get referrals for trusted professionals from people whose opinion you respect and don’t be afraid to ask challenging questions.

How To Find Cheap Air Tickets While Travelling In India

The natural beauty, the myriad colours, the exotic food and the wonderful hospitality of the people are just some of the things that make India an incredible experience for tourists from all over the world. India has so much to offer that it can truly be called a complete package for travel, and this has made it one of the most popular tourist destinations on the planet. There is no shortage of places to visit and things to do in India. You can get a glimpse into the rich history and heritage of the land by visiting ancient monuments and buildings like the Taj Mahal and the Red Fort. If you wish to be close to nature, the awesome beauty of the Himalayan mountain range and the lush greenery of “God’s Own Country”, Kerala will leave you mesmerised. For those seeking pure unadulterated fun, the beaches of Goa is the place to party; while the palaces and forts of Rajasthan, the land of Kings, offer a truly regal experience.
India is a vast country – the seventh largest in terms of geographical area and the second largest in terms of population. It is a nation of variety, diversity and contrasts, all of which add to the uniqueness of the experience. It is a place where multiple cultures, languages, cuisines, customs and religions not only exist side by side but are inextricably held together, seemingly by some mystical force. India’s vastness also means that you cannot possibly cover all its destinations or even the most famous attractions in a few days. In order to really explore the country and discovers its many features, you will need to plan your trip for about two months. Touring India can be an intense and exciting experience, but does not need to be expensive. Travel, accommodation and food will all appear cheap for European and North American travellers and with a bit of planning you can get the maximum bang for your buck.
While planning your trip to India, do not forget to compare prices from different airlines and websites to get cheap air tickets to India. Most travel websites, including Airlines and Online Travel Agents offer discounted airfares on international and domestic flights. They provide you with a wide range of updated information not only on flight schedules and availability, but also destinations, cities, airports, the weather and many other things.
To make sure you get the best airfare deals, purchase your tickets well in advance, if you are sure of your travel dates. If possible, try and book your tickets 3-6 months in advance, to avail the most lucrative offers and discounts. The best deals are almost always available on the World Wide Web, so check the internet regularly and make sure your book online. Buying tickets on the internet is a completely hassle free experience which will save you a lot of money and time. With a bit of research you will also be able to find several attractive hotel deals that suit your budget and requirements.
Travel Tips for India Tours
Stick to these few basic tips and make your trip to India all the more enjoyable and hassle free.
Avoid travelling on weekends: Most Indian travellers choose to travel on a weekend, which makes it difficult to get tickets for those days.
Advance booking: If you can plan your trip to India three or more months in advance you will have a good chance of getting cheap tickets even during the peak months.
Weather in India: India is generally a hot tropical country but there are areas that get fairly cold during the winter. From March to August it is hot in most parts of the country and temperatures are known to exceed 40 degrees Celsius several places in Northern and Western India. A great way to beat the heat is to go to a hill station or resort in the Kashmir valley or Himachal Pradesh. September and November are ideal for trekking in the Himalayas. However, the best time to travel in India is between October and February, as the weather is cooler and much easier to bear. Visiting India at this time will be more comfortable and will probably allow you to cover more places. In general, the north of India is temperate, the centre is hot and dry, while the south has a sub-tropical climate.
Peak time in India: The most expensive air tickets to India are found during the peak holiday season in October as there are many Indian festivals that take place at this time. Ticket prices also rise in December and January on account of Christmas New Year.

Gambling Addiction Can Ruin You

Everyone in this world wants to make money; easy money is something that involves a hell lot of risk. Gambling is said to be the thing that can make you rich but can also make you bankrupt. When in Vegas people say nothing is better than the gambling casinos in Vegas. A place where a person might come as a pauper and leave with a money but what happens in a reverse scenario, a person that is supposed to be a millionaire might become a beggar. Gambling is a common thing with many people around who spend money on betting, some turn out to be the winners and some loose. A visit to a casino doesn’t mean that it is a bad habit, it is just the testing of ones luck. But a frequent visit to a gambling station would mean that you are addicted to gambling. The legal gambling industry is on an all time high in America. Where you get gambling casinos in your home town, and the Internet that seems to have made the world small.

Gambling can be of various types such as at casinos, card rooms, mobile gambling, Internet and many various types of gambling that people are addicted to. Gambling involves a lot of stake where your money is put to the ultimate test of dragging in along more money but this might not turn out to be the case, and you might find yourself loosing. Your luck is tested and said to turn negative, but it is not that you were unlucky. In fact you were foolish where you kept on loosing even though there were no signs of winning and then you start cursing yourself by saying that you are a person that has all the ill luck in the world. A pathological gambler will find problems such as family ones, debts, suicidal tendencies and many more. In order to triumph over your bad habit of gambling problem you can look for help from a hypnosis session that you can conduct your self.

Gambling is looked upon as an illness that is chronic and progressive but can be treated with timely help. Hypnosis is said to be the solution to your problem as in the past it has treated many addictions such as alcohol, drugs, etc. Gambling is also stated as an addiction. One that is addicted by gambling can get help with hypnosis treatment. A victorious person or a businessman might have nothing left other than debts if he is a constant gambler. If you are a person who is addicted to gambling then you should look for the mp3 download. They are sought after by many people all around the world for its overall success to overcome gambling addiction. Mp3 downloads helps your stressed and anxious mind set free and stop doing wrong things and take in only things that which have positive results. These will calm your nerves and enable you to perceive life with a correct approach. It helps you control and stop your inkling towards gambling.

A Winning Roll For Board Games

With so many physical games, sports activities, computer games and interactive toys, it might be considered something of a surprise that traditional board games have remained so popular, and yet there is a greater variety of board games available today than ever before, and these cater for a much wider age group as well.

The definition of board games is quite difficult, since there are the traditional examples that really are played upon a board, such as Ludo, Chess, Monopoly and Scrabble, and then there are games which build upon a board, such as Mouse Trap, and then have parts of the game built within the board, such as Operation. There are even examples of games where the board becomes so big that the people become the playing pieces, such as Twister.

There are even some traditional board games that have been expanded to become playground games, such as Chess or Draughts, and the board is painted on the ground, sometimes as much as ten feet square, with the laying pieces a foot high, and then players can walk around the board, and play with friends watching, almost in teams. This helps to bring a quiet solo activity out into the fresh air and involving more people.

Involving people as a group is really what board games are all about, and it is a very good thing that today there are many families that are happy to all gather around a board game and use it as a focal point for the family chat and gossip, rather than all facing away from each other and focussing on the television, or disappearing off to their own rooms and places. Board games bring people together, quite apart from any other benefits they may have.

There are certainly challenging board games that rely on brainpower, deduction and good thinking, such as Monopoly and the various detective games available, or those that require careful dexterity, calm nerves and patience. Some games of course rely purely on luck, but actually fairly few.

There are many board games available today which traditionally have been adult games, or at least suitable only for older children, yet have been redesigned and produced as scaled down, or otherwise adjusted in some way to suit younger children. One example is junior versions of scrabble, with a smaller board, more score squares, a better range of letters and the ability to score well using a vocabulary more suited to a child.

Some of the most successful games are those which allow children and adults to play together, and that look colourful and interesting, with simple rules, and a combination of both luck and skill. The adults might be more skilful and play tactically, but are subject to bad luck in just the same way as children are able to benefit from good luck. This kind of game can develop with the child as they grow older, and give them worthwhile opportunities to be with adults in a relaxed but competitive environment. It is often over a board games that incidental chat can take place which reveals more about members of the family than would otherwise be revealed, and encourages easier communication. It also, to some extent, helps to teach the child about tactics, logic, planning and teamwork – all very worthwhile skills in themselves.

General Of Financial Services

The most highly regulated sector in the world is financial services and this is likely to continue and accelerate. Financial institutions struggle with complex data systems and procedures and must comply with strict reporting requirements from the regulatory bodies to protect their assets and customer data. Additionally, financial services organizations are clearly the target of both individual and organized fraud. Key to meeting regulatory audit requirements and detecting fraud is the ability to collect and analyze log and event data from both IT infrastructure and applications.

The technical and economic challenges of storing terabytes of log and event data, the systems of record from applications used for customer transactions, are staggering, and traditional security, log management and data warehouse database solutions are poorly suited to address the challenges of both data volume and query access. Event Data Warehouse solutions that provide actionable results from massive amounts of log and event data.

More and more consumers need access to sound financial products and independent, honest financial advice. The government requires financial product makers and sellers to be licensed. Among other things this scheme gives increased legitimacy to financial advisers.

Benefits to the Financial Services Sector:

The Centre for Financial Services works with key allied partners to anticipate industry direction and fulfill its changing needs. It is committed to providing leading edge, cost effective and customized education, as well as professional development and training programs to assist firms to train and develop their people to keep pace with competition.

1. A pool of well educated, highly trained graduates and co-op students
2. Curriculum and training integrated with the newest technology to meet the changing job requirements in the global workplace
3. Highly trained financial services educators and instructors
4. Top facilities and resources for collaborative applied research
5. Teaching fellowship opportunities
6. Client contact centre laboratories for employee training
7. A forum for financial industry partners to exchange ideas
8. A business network into the private and public sector