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.

Electronic Editions Of Board Games

Many of the classic board games are easily adapted so that they can be played in a number of ways. Computer games are so advanced these days that pretty much anything can be played on one. Video games as well can have the option of allowing players to find classic games on these systems. One of the greatest things about these electronic editions of classic board games is that it can allow multiplayer options without needing those players to actually be present. Through networking and the Internet, anyone can play games with people from all around the world.

Monopoly, Clue, and Risk are three of the biggest board games which have found life through computer games and the Internet. All of these games can be found with electronic editions that will allow you to connect with other players over the Internet and play a highly competitive game with people that you may have never even met. They all have options as well which allow you to play against the computer, meaning that you do not need any other people to actually be present in order to enjoy the board game.

This can be a great feature for killing some time in an enjoyable way. Traditionally, the only way to play any of those games was with a group of people and since that can often be harder to organize than one would immediately think, the option to play against some computer opponents can allow you to enjoy the fun of Monopoly, Risk, or Clue at any time that you wish.

Those aren’t the only three games available with computer play, though. Chess was one of the earliest games adapted to the computer and any number of editions of chess can be found for a player. Chess against the computer can actually be one of the hardest games available, as well as one of the most addictive. Playing against a computer has actually been one of the features of many different chess tournaments, trying to figure out once and for all how well the computer chess systems were written. (It actually turns out that most of the best players in the world can beat some of the hardest computer systems for while the computers can calculate every possibility in the world, they are not so good at handling the random aspects of a game and planning for a change of tactics.)

Networking with others on the Internet to play these board games can actually be a great way to make some new friends as well. Playing a great game with someone can raise a lot of camaraderie between people and when you are looking for a good game in the future, you might be able to find it again with the person you played in the past. After finding a good opponent with them and playing a number of games, you may find that you actually have more in common than just a love of games. In this way, electronic board games can actually benefit you in more ways than just one!

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.

Home Improvement Tips To Help Sell Your Home

If you are a total layperson as far as home improvement is concerned, then you should hire help or enlist friends if you’re tackling areas where it does make a difference how you get the job done. Simple home improvement projects like painting can be attempted by everyone as the worst you can do is a patchy job that can be painted over.

Have Realistic Time, Money and Expertise Expectations – If you want to replicate a room that you have seen on Trading Spaces or Design on a Dime, get the inspiration but keep your expectations in check.

The people behind the work in such shows are experts; professionals in their field with years of experience. They can do things faster and better than an average person and if things go wrong, they also know how to make them right. When planning home improvement projects, keep your expectations real as far as budget and time considerations go as well.

The designers on the show often get great discounts from others in the business as they need the promotion on popular television shows. Plus, they often accessorize rooms with flea market finds and things picked up at garage sales. You could strike gold too, but it doesn’t happen very often.

Home improvement shows boast of the latest faux paint techniques and the hottest colors for the season. However, the green you like for your master bedroom may not appeal to prospective homeowners. If you do have hot pink bedroom walls for your daughter, tone them down or make them neutral as well. This is because new owners may not have a daughter who will use that room and they may want to move in to something that requires minimum effort.

The designers on the show are experts themselves plus they have a lot of help from back up crew and the like so they can delegate tasks and get more done in less time.

What You Can Do On Your Own – There are things shown on home improvement shows that you can easily replicate like rearranging your furniture, de-cluttering and even painting so don’t give up a home improvement project just because you can’t compete with the pros. However, assess your strengths and keep a plan B in mind. For instance, while you are redoing your kitchen, factor in the cost of eating out for all the days that the floor is ripped out and the appliances unusable.

Go through the entire home and toss, donate or store anything you do not need immediately. This will free up walking space, wall space, counter space and the like and prospective owners will feel they are getting more footage for their dollar. If there are pieces you can not part with, hold them in a separate storage area not your garage or basement. Then if you still feel they are important, bring them back in your new home.

Financial Planning – The Key To Your Lifelong Success

Financial planning is not limited to asset allocation, mutual funds, and fixed-income investments – planning should include every aspect of your life.

Should you apply for that credit card? What type of car insurance should you buy? Should we save for our child’s college or put money in our IRA’s instead? These and many more questions are all part of financial planning.

The Larry Rule – A Little Known Financial Planning Fact

Larry Lindsey is not a famous name, even in financial circles. Currently, Mr. Lindsey is the chief economic advisor to the Bush Administration. In 1996, he was a Federal Reserve Board Governor – and he was denied for a Toys ‘R Us credit card!

To apply or not to apply, that is the planning question. Larry Lindsey, who had excellent credit and a high-income level, set out to demonstrate a flaw in credit scoring algorithms.

He simply applied for every retail store credit card he was offered, and in no time he had “too many inquiries.” Never mind the fact that he had millions in assets and nary a late payment in his 30-year credit history.

Knowing the Larry Rule is key to your financial planning. If you apply for retail store credit cards every time you are asked to do so, it will have negative effects on your credit.

You may then be asked to pay a higher interest rate on your mortgage or home equity loan, which could cost you tens of thousands of dollars. Sacrificing $10,000 for a 10 percent discount at Fashion Bug is not smart planning!

Auto Insurance and Financial Planning

Most people think of insurance as a legal necessity, but in reality, it is a financial product, and that’s important to keep in mind. Don’t ever buy insurance just because it’s legally required or in order to give yourself peace of mind. Insurance must serve a financial planning purpose!

You need to have a planning strategy in mind when you purchase auto insurance. The insurance company’s goal is to get you to pay more in premiums than you take out in claims – thus, they profit.

Your goal should to pay as little in premiums as possible in order to be adequately covered. You don’t want to have to use your auto insurance, but at the same time, you don’t want to be subsidizing the bad drivers who take out more in claims than they pay in.

In order to develop a financial planning strategy for auto insurance, it’s important that you become as educated as possible on the subject. Luckily, there are dozens of great sites on the internet that provide free information on the various types of auto insurance plans, and the particular laws of your state.

Everyone has to own some form of auto insurance, and thus it should be the cornerstone of any intelligent planning strategy.

The Financial Planning Dilemma – College vs. Retirement

American parents love their children and will do almost anything to ensure they have every possible advantage. As a result, many parents save for their children’s college instead of saving for their own retirement. This act of selflessness is usually not a good planning strategy.

In order to avoid this mistake, one must have a decent understanding of financial planning tax implications. Most college savings accounts are taxed on some level, whereas financial planning products for retirement purposes generally are not. What’s more, saving for your child’s college can prevent him or her from receiving the maximum financial aid available.

In other words, by foregoing your retirement in favor of your child’s college, you are actually subsidizing the children of less responsible parents – or smarter parents who chose to save for their own retirement, in light of these facts.

Monterey Financial Services Rip Off Can Be Avoided In 3 Steps

When it comes to the most difficult decisions in life, you can be sure that the financial matters are involved. In order to be sure that you can make the right choice you need worthy and dependable Monterey financial services to help you. While you are trying to use these services to come out of a problem you also need to be sure that the Monterey financial services rip off can be avoided so that you do not fall into further trouble. There are obvious steps that you can take in order to ensure that the rip off can be avoided, you can use the following 3 steps to make sure that you have a reasonably good vendor to help you.

The first step is ensuring that you search for the right vendor. You can search directories or newspapers or even online in order to find Monterey financial services. It is seen that most companies that have a higher ranking in most of these are mostly dependable. Since financial services are very subjective and complicated there will always be some small negativity about any company but that is fine as long as you are getting a good deal. There are a lot of resources that you can get in case you want to find a good company and be sure that you are not subjected to Monterey financial services rip off.

Secondly, you have to look at the range of financial services that the company offers. In case there is a host of different services that the company offers, Monterey financial services rip off can be avoided. Since the company has a wide range of services, their exposure to the markets and customers will be higher which means that the chances that they will maintain their image and avoid mishaps will be higher. This will but you on the safer side as well.

Finally, you have to be careful while you get involved in the paperwork. In most financial services, paper work is of most importance as it can be confusing and complicated. Most companies don’t mind playing around with words and therefore you must be alert and careful before you sign any piece of paper. With the above 3 steps you can be sure that Monterey financial services rip off can be avoided.

Tips And Ideas For Better Home Improvement

The time often comes in your life when it is necessary to attempt a home improvement job. You may have purchased a new house and it needs a little facelift or it could be that niggling house job you keep putting off. Follow some simple rules and the task can become a little easier, even enjoyable.

Always take time to prepare. Have a plan of action in the form of a manual or instruction leaflet and do the necessary preparations for the job. Do not forget to protect or shield any expensive items, furniture and flooring that might get damaged or accidentally stained in the home improvement process.

Always make sure that you have good ventilation when doing any home improvement project especially when using paints and some glues. Use your electrical devices with adequate safety protection and keep your tools away from children. If you plan to do any outside home improvements like varnishing or painting check the weather forecast to make sure it is not going to rain.

Although all the previous suggestions are extremely relevant the most important measure for you to take before starting a job is to make sure you have the right tools, and the best quality of tool you can afford. This suggestion should not be ignored. Reference your manuals to get the necessary tools for the job beforehand.

If you just fancy having a go at a home improvement activity begin with a renovation type job. Take a room, for instance the living room, and see what could be done to enhance the beauty or functionality of the room. It may need wallpapering or you may want to change the floor from carpet to wooden floorboards. The furniture may need to be reupholstered or a stray crack in the wall may need to be filled in. In the kitchen a table may need re-varnishing or a cupboard handle replacing. But a word of warning, if you are unsure ask the advice of a trained contractor. Also when you are deciding what home improvement to do think carefully if the alterations would fit into the theme or color scheme of your house.

After you have attempted some minor renovations and repairs this should give you more confidence to try a bigger project, for instance an outdoor patio or decking job. Remember to plan and prepare your home improvement jobs, use the right tools and give yourself plenty of time to get the job done.

Gambling Industry Expanding And Players Who Use Gambling Strategies

What does the word Gamble” mean to you?

For the average player the word gambling” means much more than a risky bet. It can stand for just about anything from vacationing, Las Vegas, and even fun. Devised earlier than 3000 years ago, gambling was well documented to have existed in many civilizations. The games we know today are the incarnations of former ones, with adjusted rules. For the length of time gambling was invented, players have always seemed obsessed with trying to use various gambling strategies for games. However, Casinos have always had the mathematical advantage along with an adamant need for stopping the smart player. It has forever become a vicious cycle of exploitive players vs. casinos catching up.

Today, gambling doesn’t even need to be played at Las Vegas or any other casino chains.

Now for those of you who live under rocks or live in a time warp may say, Wait….outside of Casinos?”

Well you see…

1.In-flight Gambling: Eflyte has been developing in-flight gaming and continues to spread its influence on many airlines. Currently they have the world’s first Multiplayer Poker Tournament along with over 60 games for airplanes. Ceo of Ryanair will also attempt use in-flight gaming by next year. Now casino gambling may be common on cruises, but it’s a breakthrough for airlines.

2.Mobile phones can also be used to buy lotteries and sports betting nowadays. If certain restrictions are lifted, it could even mean much more growth in its use.

3.Internet Casinos are also another medium in which gambling doesn’t seem to stop growing; despite being forced to open offshore from the US. This isn’t necessarily bad of course.

The gambling industry is on a growing trend and it doesn’t seem to stop anywhere in sight. Of course, this naturally means that more and more people will be hooked and continue losing to the casinos.

Even the strategic players are screwed over at times with certain technologies being developed. Some casinos even started to implement tracking devices in chips to catch card counters. Those days of Ken Uston and counting machines are getting harder to come by since casinos already know about the gambling strategies used. New mediums such as electronic gambling can stop card counting dead in it’s track.

Winning through strategy can still be done, just as internet marketing can still make some rich. Yet being particular savvy to news and gambling strategy alike can immensely help the professional gambler. That is, unless gambling is only treated as a simple recreation. Otherwise, the best a player can do is to read up on forums and reference news sources for any changes in their gambling strategy.

I Have A Problem Gambling And I Have Lost Everything

To often compulsive gamblers utter the words I am have a problem gambling and now I lost everything. At this point in their life they are finally ready to admit they have a problem gambling. These same people are increasing at an alarming rate.

Only a year ago things seem to be less dramatic then they are right now when it comes to gambling addiction. The accelerated growth in this addiction is paralleled to the growth in the gaming industry. Since a significant number of our population have now been exposed to this gaming industry the negative affects are more apparent. Each and every day we hear a new story about someone who has lost everything due to their gambling addiction and we may now know someone who also has been negatively affected.

Now that we know people are addicted to gambling, what should we do? This is a very difficult question to answer but I believe education and awareness can help those inflicted with this self destructive addiction. Unfortunately gambling addiction also affects all those around the compulsive gambler.

I have received several emails from people who believe their solutions would help decrease the accelerated growth of those addicted to gambling. The following are examples of those emails:

We should outlaw all forms of gambling.

The gamming industry needed rules and regulations that they must adhere to like the alcohol industry.

At the very least remove all ATM machines from gambling establishments especially casinos that have slot machines.

No Check cashing allowed at any gaming establishments

No alcohol should be allowed in casinos

Gambling establishments should not be allowed to use the postal service to send incentives for people to come to their place to gamble. Most people are easy prey. The gambling establishments send a fifty dollar gift certificate knowing the gambler is going to spend a at least ten times that amount.

No large billboard advertising. This industry makes their money by drawing on the innocent only to hook them and take everything they have worked so hard for.

No commercial advertising, donating to charities or sponsoring of the local news.

The above email comments are from those who have suffered directly to the the gaming industry. Remember it is not only the gambler but their family and friends who also have been negatively affected. They are biased and they have a right to be.

Remember these words I have a problem gambling and I have lost everything. because this could be you or your family member. If you even have the slightest notion you have a problem gambling, face it straight on and take the appropriate action. You can recover before you lose everything you have worked so hard for.

If you are have lost everything, you can rebuild your life and move forward. There are so many people who have walked in your shoes. I know this can be very painful, but with each day that passes as you begin your road to recovery you life will get brighter and brighter.

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