No-Fault Auto Insurance Explained

No-fault auto insurance is coverage which operates under the rule that no single driver was at fault in a car accident. Therefore no fault is determined in a car accident and each injured party will file a claim with their own respective auto insurance company for damages. For example, if Robert and Susan get in a car accident, Robert will file a claim with his insurance company and Susan wile file a claim with hers regardless of who was at fault – because there was no one at fault.

There are two types of “no fault auto insurance”. The most common type is the pure form which limits liability and a person’s right to sue in a car accident with the exception of major injuries, extreme negligence and a small number of other reasons. Most car accidents which happen under no-fault car insurance coverage simply end up with a claim for damages and injury costs with no punitive or nuisance lawsuits.

The other type of no-fault auto insurance is the “add-on” option available in some states. The advantage of adding a no fault car insurance option to your policy in these states is that you can file a claim with your car insurance company regardless of who was at fault. This insures the policyholder a quick claims handling process but because its just an “add-on”, and not a pure form of no fault insurance, there is no protection from frivolous litigation in a car accident. Most states only offer the pure form of no fault car insurance.

Can I still be sued with No Fault Auto Insurance?

Yes, “no-fault auto insurance” is not a diplomatic immunity like blanket of protection from all liability in a car accident. However certain financial thresholds must be met before the court will allow a lawsuit to proceed. Monetary damages are not the only reason you can be sued – In cases where a driver operated a vehicle with extreme negligence, people suffered extreme injuries and a variety of other reasons can still open you up to litigation. One of the most common reasons to be sued with no fault auto insurance is actually being underinsured as there is no law preventing someone from suing for damages which exceed your policy limits and you didn’t pay. However for most typical accidents you don’t have to worry about a car accident lawyer showing up at your door serving a lawsuit. If you only purchase the add-on type of no fault car insurance all bets are off and the ambulance chasing lawyers can sue you.

What are the advantages of No Fault Auto Insurance?

No-fault car insurance laws were created to help reduce the amount of nuisance lawsuits resulting from car accidents, save courts money from dealing with these suits, limit the liability of car insurance companies and create a quicker claims handling process for policyholders. In theory no fault car insurance provides a lot of protection however some states have reverted back to traditional tort law even after having no fault car insurance in place for years. There is a lot of debate about the effectiveness of no fault car insurance laws in the bigger picture but as a driver there are many advantages to living in a state with no fault auto insurance including a faster claims handling process and limiting exposure to frivolous lawsuits.

What states have no fault auto insurance laws?

Only about a dozen states have no-fault car insurance laws currently in place. Some states require all drivers to have no fault car insurance coverage whereas others provide drivers an option to choose between typical coverage and no fault coverage. The state where no fault auto insurance is in place includes:

· Florida

· Hawaii

· Kansas

· Kentucky

· Massachusetts

· Michigan

· Minnesota

· New Jersey

· New York

· North Dakota

· Pennsylvania

· Utah

How much car insurance required will depend on where you live but in addition to any required liability insurance you will also be required to purchase PIP insurance (personal injury protection) to cover any medical expenses of the policyholder in a car accident.

How much is No Fault Auto Insurance?

There are many reports which say no fault car insurance is cheaper and then there are others which say the cost of auto insurance is roughly the same compared to typical coverage. The problem lies with auto insurance being a relatively equal cost for most drivers that its hard to measure the difference.

Average car insurance premiums nationally run just under $1,500 a year but this also depends on where you live as some states are much higher or much lower than this. The only true way to understand how much no fault car insurance is to compare auto insurance quotes from several automobile insurance companies. Start an auto insurance [http://carinsurance-estimator.com] comparison search today.

The Best Approach to Auto Insurance Quotes

Auto insurance quotes are generally free so don’t just take out an auto insurance policy based on the first auto insurance quote you get.

The best possible way for saving money on your auto insurance is to get at least three insurance quotes. Granted, getting multiple insurance quotes will take you time but if you compare your hourly rate at work to the amount you could save on your auto insurance I think you will agree that getting several auto insurance quotes is a valuable use of your time.

One of the best ways to get as many auto insurance quotes as possible in the shortest period of time is on the internet. You might have to trawl through a few user unfriendly insurance quote sites but there are several little gems out there where you can get multiple auto insurance quotes in one go and most of the main providers of auto insurance not only offer online quotes but also provide consumers with discounts when they get their insurance quotes online.

A decent auto insurance broker is well worth their weight in gold. Using a broker to get your insurance quotes will mean that you only have to fill out one form and then the auto insurance broker will trawl through loads of insurance quotes until they find the best possible insurance package for you. What’s really neat is that nowadays you don’t even have to leave the comfort of your own home as there are more and more insurance brokers offering their services on line.

As you can tell I love the online approach, for those that hate the sales pitch that accompanies a ‘face to face’ or telephone insurance quote online insurance providers are the answer to your prayers.

Don’t wait until you change cars every year that better offer could be available. Just because you got the best possible auto insurance quote last year it doesn’t mean to say you can’t beat it when the renewal notice comes through your door. With online insurance, it’s easy, spend a little time one evening getting comparable auto insurance quotes, there’s loads of deals out there with so many auto insurance providers fighting for your business and you could save yourself wads of cash.

When looking for alternative auto insurance quotes make sure that you check that the lowest auto insurance quotes are for a similar level of cover to those that are more expensive.

Always know what you are buying, don’t leave yourself exposed by paying for a cheaper but relatively useless auto insurance.

One last word of advice, the lowest auto insurance quote isn’t always the best to go for even if it does provide you with the right amount of cover. Low cost auto insurance is good but it’s also important to use a reputable insurance provider. There is no point getting really cheap car insurance if the company that you are insuring with either messes you around, or even worse, doesn’t pay out!

Hair Extensions For Your Wedding Day

Your wedding day is a day when you deserve to look as fabulous and as glamorous as possible. There are loads of ways to do this, and a fantastic new hairstyle is just one of these, especially if you choose something which is dramatically different from your usual style. Even if you have never had hair extensions before, if you are looking for a good way to treat yourself and look fabulous at your wedding, then hair extensions may be the perfect hair solution for you!

If you decide to get hair extensions for your wedding day, it is a good idea to have them put in a few days before the wedding. This will give the extensions the chance to settle into place, and you will therefore be able to create a more natural look on the big day itself. It will also give you a few days to get used to your new look, and can even allow you the opportunity to have them removed again before the big day, if you decide that you do not like them. It is inadvisable to get the extension put in on the actual morning of the wedding, because even though the simplest sorts of extensions can be put in within a few hours, there is always the tiniest possibility that a complication can occur which may mean it will take much longer than normal. This will only create unnecessary stress on the morning of your big day, especially if you decide you do not like how the extensions look and decide you want them removed.

There are different types of extensions available for wedding hair, and which style you choose will depend on what you are looking for out of your extensions. Bonded hair extensions are cheaper to have put in, but may need professionally removing before you go on your honeymoon, since removal by an amateur can lead to hair damage. You will also need to have a trial run before the wedding to ensure that they are suitable, which may serve to increase costs. Clip-in hair extensions are a fantastic option for those on a tight budget, because they can be put in one day and taken out the next, then put in again, without risking unnecessary damage to the hair. The can also be taken out and put in by someone who is not a professional stylist, if you need to reduce costs even further. However, on your wedding day, it may be worth asking your professional stylist to help you, so that you look perfect. The most expensive option is permanent hair extensions, which can be put in a long time before the wedding, and then kept in after the wedding. However this option is far more expensive than any of the temporary products and you will need to have this type of extension done by a highly qualified professional, because the techniques used will cause lasting damage to the hair if they are not done correctly.

2012 Wedding Accessories Trends

Wondering what brides and bridesmaids will be wearing with their dresses in 2012? The latest designs for 2012 weddings have recently been unveiled, offering a sneak peek into what you can expect to see in stores when you start shopping for bridesmaid jewelry and bridal jewelry sets. Find out more about the 2012 wedding accessories trends.

Color, color, color! The more the better, and make it bright! This about sums up the number one trend for 2012 wedding accessories. And not just one color either; mixed palettes with lots of different hues will be very popular for bridesmaid jewelry sets and also for brides. Combine a rainbow of glittering Swarovski crystals into a fabulous wide bracelet that will become a favorite accessory for years after your wedding. Wide and chunky bracelets, necklaces, and earrings will be a hot look, and are a fun way to add personal style to any bridal gown or bridesmaid dress.

Color isn’t just for wedding jewelry. For the last several years, brides have been gliding down the aisle in shoes in any color other than white. It started with pale blue shoes worn for the “something blue”, then expanded to include pink for the classic bride and crimson for the dramatic bride. But in 2012, wedding shoes will be more colorful and festive than ever. Think coral silk pumps with crystal embellishments, royal blue pumps with sparkling butterflies, and hot pink ballet flats made from glittering fabric. If you are more of a classic white shoe kind of bride, step out in style in another 2012 bridal accessory trend: platform pumps. The most chic ones are embellished with lots of sparkle and really make a statement. Petite brides, your day to feel tall has come!

And don’t forget about your evening bag. Some of the most standout accessories displayed at the recent bridal market were the vibrant jeweled clutches made by Judith Leiber. These little beauties are simple small hard frame clutches completely covered with dazzling Swarovski crystals. The bags come in every color you can imagine, from Kelly green to hot pink to sunshine yellow. Here’s a fun idea: have your attendants carry fabulous crystal clutches down the aisle instead of bouquets. They will definitely enjoy their wedding souvenirs!

Ever since the outrageous British hats spotted at Princess Kate and Prince William’s royal wedding, American ladies have become fascinated by…fascinators. A whimsical wisp of feathers perched on top of the head is a fun trend that is showing up even on bridesmaids. They are a great way to add a unique flair to the cocktail party style black dresses that are trending for the bridal party in 2012. If you are the DIY sort of bride, you can make one-of-a-kind fascinators for all of your bridesmaids in your favorite colored feathers. White feathers combined with organza roses are fabulous for the bride, either on their own or as part of a birdcage veil.

Vintage inspired styles will still be going strong for 2012 weddings. When it comes to accessories, that translates to vintage inspired jewelry like chandelier earrings, cz Art Deco style bracelets, and romantic Edwardian style pendants. They are the perfect accessories for the stunning beaded chiffon wedding gowns that were all over the runway at Jenny Packham’s Fall 2012 bridal collection. Complete your look with a big bridal beauty trend: red lipstick.

The Top 10 Mistakes Technology Companies Make

In working closely with technology providers over the years, I regularly discover that these companies are making common mistakes that devalue the company, leave revenue on the table, or jeopardize their long-term health. So this special article identifies the top 10 of these mistakes to help you avoid making them.

10. Failure to register a federal copyright for company-developed software

Your company has spent months, and maybe years developing the next-big-thing. You’re out there licensing it to customers, fighting off competitors, and trying to maximize your revenues. What would you do if a customer was misusing your software? What if a competitor was copying parts of it to use in its product? There are various ways to respond to these problems, but one of the easiest to way to strengthen your claims is to register a copyright for the software with the United States Copyright Office. Registration provides you with an enhanced ability to have a court prevent infringing use of your software, and a greater amount of damages that are recoverable. The best part is that registration is relatively easy and inexpensive.

9. Licensing technology too broadly

So you’ve landed that big deal with that big customer. You’ve carefully priced the deal based upon your expectations of how the customer is going to use your technology – by a specific group within the customer’s large organization. You’re hoping that the success of this deal will lead to a greater adoption of your technology within the rest of the company, and ultimately more revenue for you. Unfortunately, you later learn that this one group is sharing your technology throughout the rest of the company, with no additional license fees to you, and there’s nothing you can do about it. Why? By failing to carefully and narrowly draw up the license grant in your agreement, you’ve unwittingly granted the entire company the rights to use your technology, and you’ve left a pile of cash on the table.

8. Failure to provide detailed support and maintenance policies

Too often, once a company’s technology is ready to be licensed, determining how to support the technology becomes an afterthought. General and non-descriptive obligations like “providing telephone and email support” and “providing updates” are invitations for disagreements and missed expectations. When is phone support being offered? How quickly will you respond to problems? What is considered and update and what is a new product for which you would charge the customer separately? Many times, you need your customer to provide you with certain information about the problem before you can diagnose and fix it. Set the appropriate expectations in your support and maintenance policies and avoid these issues in the future.

7. Not contracting customers to recurring support fees

Customers want and expect that you will be there to support your product, assist with problems, and provide them updates when you add features or fix bugs. Customers also expect that you will regularly charge them for these services, so why do so many technology vendors sell a product to a customer and fail to structure regular and recurring support fees? In general, a technology vendor’s highest profit margins are realized through a support fee stream, and not in the upfront license charge.

6. Inadequate non-disclosure and non-compete agreements with employees and contractors

The technology business is one of the most competitive industries in the market. Why take a chance losing your competitive advantage by not ensuring that your intellectual property, customer lists, trade secrets, and other sensitive information are properly protected through appropriate agreements with your employees, contractors, and vendors? Finding and using some form agreement that you saw floating around on the Internet somewhere may actually make matters worse if you don’t fully understand the terms. Moreover, simple steps can be taken to ensure that anything developed by your employees is, and remains, your company’s property.

5. Giving away intellectual property ownership too liberally

Many technology companies develop customized technology for their customers, or make customized modifications to their existing technology on behalf of a particular customer. And most customers argue that if they’re paying for it, they want to own it. But giving away your company’s intellectual property in these instances can prevent you from reusing it for other customers – effectively shutting down a potential source of revenue in the future. And many times, your customers may not need to actually “own” the developments – a license right can often do the trick.

4. Using overly broad or subjective acceptance testing

It is not uncommon or unreasonable for customers to want to “kick the tires” of your technology before they pay for it. Problems arise when the customer has an unreasonable expectation of what the technology is supposed to achieve, and either want to withhold payment, or force you to provide extra services to meet that unreasonable expectation. This especially manifests itself when a customer includes acceptance testing language in a contract which is not tied to objective and realistic standards. Although it can be a laborious effort, taking the time to objectify these standards with the customer in the contract can save you significant time down the road, and get you paid faster.

3. Offering liberal source code escrow release conditions

For software developers, you know that your source code is the “crown jewels” of your business. It is the core of your technology, representing months or years of your blood, sweat, and tears. Yet many software companies are willing to give it away, for free, to their customers. How? By entering into a source code escrow agreement with a customer and allowing it to be released to them in situations where the code still holds value for you. Many customers will demand the source code be released to them if you stop supporting the software, but the intellectual property in the code may still be used in your other products or technology, effectively giving your customer the tools it needs to duplicate your technology. Creating very narrow and specific source code release conditions can minimize this impact.

2. Undervaluing technology

What is your technology worth? It’s a difficult question, and value can be measured and determined in many ways. Many new technology companies feel compelled to undercharge for their technology in an effort to break into the market. Although there is certainly some merit in that, I see vendors consistently undervaluing what their technology is worth, leaving significant revenue on the table. Understanding the impact and loss to the customer if they DON’T license your technology is the first key to pricing your product. Plus, under-pricing your product can create an impression that the technology is “cheap” – not a label that will build a positive reputation of your company in the long run.

1. Using a form license and/or services agreement that doesn’t fit your business model

Capturing exactly how you want to provide your product or services to your customer, allocating the risks, and creating each party’s obligations and rights, is not a simple or quick process. Replicating some other company’s form agreement not only exposes you to risks that you may not be aware of, but potentially violates the other company’s copyright in their agreement, and raises the risks outlined in the other points of this list. Having a customized agreement created for you that aligns with your business processes, mitigates your risks, and addresses the laws that apply in your jurisdiction for your industry is a key component in running a successful technology business.

Pepper Law Group, LLC has been working with technology companies for over 10 years to address these mistakes head on and to adopt best practices in the industry. How can we help you? Contact us for a free initial consultation.

Stress Education And Reservation

Stress at individual and social levels; distorts our cognition, affect and conation (perception, feelings and actions); and leads to amongst many other evils; deterioration of international, national and local education policy and its implementation. The present day non-holistic (sectarian, prejudiced, vindictive, malicious, mercenary, exploitative and malevolent) education (formal, curricular, co curricular, extracurricular and informal) is a major stressor that though aids in petty pursuits; opposes our blossoming and further perpetuates stress and ill effects in the individual and social life. Let us review; the present perspective, policy and practice of education; as seen around.

Even though education is defined in various ways; and often inadequately or incompletely; there has been a general agreement on the fact that education is basically a process of blossoming of an individual and the society. Hence it included three domains, which are as follows.

The first domain is called AFFECTIVE DOMAIN. This means the state of mind. In simple words affective domain relates to how we feel. Thus when our mind is full of alertness, attention, enthusiasm, buoyancy, affection, concern, joy, tolerance, self esteem, mutual respect, mutual trust, commitment, dedication, love, romance, confidence, positive and victorious spirit, we would call it healthy affective domain. In addition; the zeal and concentration needed; in the pursuit of excellence in intellectual field, tenacity and endurance required; in skillful activities and patience and commitment essential; for internally satisfying and socially beneficial (conscientious) actions constitute affective domain. The purpose of education is to nurture this domain by designing suitable curricula and syllabi.

The second domain of education is called PSYCHOMOTOR DOMAIN. This implies ability to appreciate skills and ability to perform physical and mental skills, with speed, accuracy, elegance, ease of performance etc. This may involve appreciation and performance of skills such as surgery, playing a musical instrument, playing basket ball or doing carpentry! The purpose of education is to nurture this domain through not only designing suitable curricula, syllabi but also by providing sufficient practical and demonstration classes; with all the necessary equipments.

The third domain is called COGNITIVE DOMAIN. Cognitive domain incorporates accurate perspective, contemplation, correct perception understanding, conceptualization, analysis and recall of fact and problems, ability to evaluate, synthesize, correlate and make decisions, appropriate policies, plans and expertise in the management, administration, etc.

It is clear that all these domains have three components each viz. Cognition [Perception], affect [Feelings] and conation [Response].

Thus cognitive domain would have intellectual perception, clarity and intellectual expression, affective domain would include feeling, motivation and response in emotional sphere such as poetry; and psychomotor domain would include grasp and internalization of a particular skill, confidence to perform it and actually performing it.

Let us now see, how in spite of these goals; how it has come to be conceived as a process of achieving political, economic, scientific and technological supremacy and thus deteriorated to the present stage; where all the three domains are defective; apart from lacking in the spiritual and productive domains. In short; let us see how it has become a major stressor.

For this; a brief consideration of the traditional education system in India would prove useful.

Traditional Education System in India in general; ensured that:
a] Careers were not selected on the basis of monetary gains,
b] Careers were not selected arbitrarily on the basis of idiosyncrasies and whims,
c] Some lucrative careers could not be sought after; in preference to the others,
d] All careers ensured income and production from early age,
e] All careers ensured that the society was benefited,
f] All careers ensured security to all the social groups,
g] All the careers ensured intimacy and closeness between young and old in the families.
h] All careers ensured ethical education and passage of experience and wisdom; from generation to generation.

These were merits. But it is also true that, the traditional system was apparently marked by deprivation of scholastic education on mass scale, apparently unjustifiable availability of education of jobs based on caste, deficient infrastructure for collective scientific and technological efforts, and an element of arbitrary imposition of hierarchy.

The traditional education system has attained the present status of being a major stressor as a result of several stressful factors including the onslaught of the tempting and impressive individualistic doctrines. Thus the transition from traditional system to the present one (whether due to British, American or any other influence, but basically due to individualistic pursuits); has become a major stressor tearing apart the cohesive social fabric of India by failing to preserve and nurture the merits and discard and dispose off the demerits.

As the education shifted from homes, home industries and farms to; nurseries, K.G. schools, schools, colleges, universities, corporate industries, research institutions etc. the transition became viciously poisonous.

Cognition suffered because of:
a] Huge number of students, in a single class making following three things almost impossible. These things are i] individual attention ii] dialogue iii] discussions,
b] Lack of adequate salary, accountability, incentive and economic security to the teachers taking away the initiative of nurturing cognitive domain
c] Increase in alienation with respect to student’s background and aptitude
d] Lack of adequate incentive to the students in the form of creativity, production and earning, service to the family and service to the nation, takes away the motivation required for building up cognitive domain
e] Lack of conviction essential in the growth of cognitive domain in the teachers and students because of outdated practical and demonstration classes, lack of interdisciplinary dialogue and in general the irrelevance of education to the realities of day to day life in as much as almost predictable consecutive unemployment at the end! The lack of conviction could be partly due to lack of participation by teachers in decision-making, policy making, development of curricula, syllabi etc.
f] Emphasis on recall and hence rote learning thereby denying free inquiry, reading, questioning etc. thereby directly thwarting the cognitive domain
g]] Too many examinations; with irrelevant parameters or criteria of evaluation [besides being unfair in many instances] leading to misguided and in most cases counterproductive efforts thus adversely affecting the cognitive domain
h] Competitions where the manipulative skills, callousness, selfishness are given more respect, destroy the enthusiasm of growing in cognitive domain
i] Information explosion affecting cognitive domain by either causing enormous and unnecessary burden on memory or inferiority complex
j] Pressure of interviews causing constant tension and sense of inadequacy, right from the tender age,
k] Protracted hours of homework in schools denying the students their legitimate right to enjoy their childhood and make them physically, mentally and intellectually unfit to grow in cognitive domain
l] Irrelevant and unnecessary information loading in lectures in the form of monologue, leading to suppression of the spontaneity, originality, interest and enthusiasm so much required in cognitive development amongst the students,

Affective domain suffered due to,
A] Isolation of the children from their parents and their domestic environment at an early age [Making the parents also equally sad]
B] Lack of warm bonds due to huge number,
C] Cut throat individualistic and petty competition,
D] Inadequate facilities of sports, trekking, educational tours, recreation and physical development etc
E] Alienation from one’s social environment and culture

Psychomotor domain suffered due to
A] Almost total lack of opportunities to actually participate in skillful activities such as drawing, painting, sewing, sculpturing, carpentry, knitting, weaving, music, agriculture, horticulture, other handicrafts, various sports, performing arts etc.

It is important to realize that promotion of psychomotor domain is evident but in its caricature form. It has no concrete economic realistic basis. The activities have no economic incentive and no productive element.

Apart from the defects in the three domains; the other two domains viz. spiritual and productive; have not TOTALLY ABSENT in the education.

The spiritual domain that imparts universal perspective and globally beneficial outlook; incorporates inner blossoming of an individual through introspection, heart to heart communication (not merely discussion and arguments), mutual understanding and blossoming of the teachers and students together; through one of the most universal practices; viz. NAMASMARAN. Thus the spiritual domain is a key to conquer lust, whims, fancies, pride, arrogance, callousness, contempt, ungratefulness, prejudices, jealousy, hatred, meanness, meekness, beggary, cheating, stealing, treachery and so on; is never made available to the teachers, students and the others; associated with education.

The present education system in India lacks the other important domain viz. the productive domain that empowers the people concerned with education. This prevents a huge section of society such as teachers, students, clerks, servants, sweepers and many others such as education inspectors, from being creative and productive. In addition it causes colossal loss of space, electricity, construction cost and so on. In addition because of the typical emphasis on rote learning it leads to phenomenal waste of “educational material” such as paper, bags, pencils, ball pens etc.

It has to be appreciated that billions of rupees are spent on unproductive or rather counterproductive exercise of construction, decoration and maintenance of schools and colleges, electricity, and so called educational material, payment of millions of teachers and other staff members engaged, and exams conducted to test the “capacity and merit of rote learning”. This way we weaken the national economy, jeopardize the developmental activities.

It also causes economic loss to everyone involved in education; while suppressing and starving their all three domains nurtured in productive activity. This is a single most important cause of
1] Reduction in the dignity of labor amongst those who continue to learn, as well as reduction in the income of the concerned families and the nation
2] Lack of education, lack of employment and starvation or criminalization amongst those who are forced to drop out because the poor villagers’ children normally contribute to the earning of the family.
3] Inhuman suffering of those millions of students dropouts, who somehow manage to get into the hell of cheap child labor for subsistence; due to economic reasons.

In short, present day education system harnesses arrogance and diffidence; amongst those who continue to learn. But their spiritual, cognitive, psychomotor, affective and productive domains are defective. Their spiritual blossoming, self empowerment, creative wisdom, intellectual competence, productive skills, self sufficiency and even physical health are deficient. Thus we have increasing number of unproductive criminals and mental wrecks or highly competitive efficient maniacs pursuing petty goals at the cost of others!

For those who are unable to continue the education; the abyss of being child labor, stealing, delinquency, criminals, perverts, beggars is wide open!

The piecemeal approach or facilitation of petty pursuits (under the guise of development and progress) is not only useless but are in fact counterproductive! It leads to cancerous spread of industries with uncontrolled production of unnecessary utilities and their maddening marketing. These industries consume energy, fuel and add to undisposable waste and pollution. This sickening and stressful atmosphere nurtured by the present education; promotes the growth of terrorism on the one hand; and pretends to act against it (in a counterproductive way) on the other!

Mainstream Education System and the courses and careers in it; revolve around and serve the grossly petty and superficial considerations, motivations and interests and this state of affairs; is strongly protected and strengthened by the elements with similar interests! Hence the present laws, rules and regulations also promote present education and its ill effects.

Some institutions and individuals, for whom we have great respect, are involved in the holistic approach to education (mainstream, formal, informal, curricular, co curricular, extracurricular as well as education of physically and mentally challenged children). But these efforts are too feeble to make a difference to our life.

While piecemeal approaches are failing; there is no adequate awareness and promotion of holistic education, which leaves the vicious cycle of stress distorting education and distorted education creating, aggravating and spreading the stress; to continue unabashedly and unabated.

Hence; the ill effects of stress on present education and vice versa; can be eradicated if we understand and propagate the defects in present education and promote holistic education as an international solution. It has to be appreciated that no statesman, no political leader, no policy maker and no administrator can bring about change in an existing system (in democratic set up); unless, we evolve a consensus about the changes in the majority of people; whose cooperation is very vital.

In short; the policy of holistic education; demands that every school, college, university etc must become the center of production and service, self sufficient and must aid in self sufficiency and blossoming of everyone involved in education and also of the nation.

The students, teachers and others associated with education; must blossom as independent and empowered individuals; spiritually, intellectually, mentally, instinctually, physically and economically.

In practice; everyday; approximately
20 % of the time must be spent in production, service etc.
20 % of the time must be spent in physical activities
20 % of the time must be spent in personality (conceptual and spiritual) development and
20 % of the time must be spent in entertainment
20 % of the time must be spent on cognitive domain

20 % of the time must be spent in production, service etc.

1. The productive domain should be an essential ingredient of education System, but no particular job should be enforced. The teachers and others should participate in the productive domain. Production and service can involve community projects such plantation of medicinal herbs, rearing of cows, home flower gardening, production of chalk sticks, carpentry, pottery, cleanliness, crafts, skills, arts and their sale according to the situations.. Working physically in different ways and earning is not a burden. It is an opportunity to grow from within. It is an opportunity to develop our self esteem. It is an opportunity to become self sufficient.

2. This leads to self sufficiency in schools. They do not have to depend on heavy fees or federal grants or donations and this way they become accessible to all; rendering the reservations redundant!

3. Through productive domain the hypokinetic stress, emotional stress of being dependent and intellectual stress of excessive memorizing is averted.

4. Due to productive domain, the dropping out due to lack of earning (as is common in case of millions of students in many parts of world) and then turning into helpless, vulnerable and cheap child labor would come down.
5. Being empowered, the students would not go through the stress of unemployment and turn into helpless, frustrated mental wrecks or criminals.

6. The emphasis on productive domain (and hence psychomotor and practical aspects) would bring down the necessity and also the capability and possibility to “copy” and associated crimes and corruption in procedures of examinations, certification, providing grants and so on!

The caste based or any other kind of reservation for education, jobs and promotions; responsible for social divide and strife; in many parts of the world; (especially India) can be rendered redundant and thus; peacefully and advantageously done away with, by consensus!

Most importantly; we have to introduce and incorporate examinations, which examine the actual skill, capacity or performance of the student, rather than his/her ability of repeating or reproducing things and/or copying.

20 % of the time must be spent in physical activities

Physical activities can include pranayama, sports, exercise, trekking, hiking, a variety of physical fitness training programs and methods to avoid monotony and improve efficacy. A variety of sports prevalent in every other parts of the world can make the programs more interesting, entertaining thereby promoting global unity.

20 % of the time must be spent in personality (conceptual and spiritual) development and

Personality development includes affective domain, spiritual domain and embodies broadening of perspective through various means such as; NAMASMARAN, by hearting and chanting prayers, poems and songs from different languages and countries thereby promoting global unity, invited guest lectures, seminars, discussions on holistic health, educational tours and visits to places where the student gets exposed to rapid developments in the society such as laboratories, airports, government offices, share market, farms etc.

20 % of the time must be spent in entertainment

Entertainment that enriches the soul; not only should include playing musical instruments, dance, painting, mimicry, singing, story telling, drama, movie etc. but everything that nurtures the affective domain and spiritual domain as well.

20 % of the time must be spent on cognitive domain

Development of cognitive domain can include teaching of languages, history, geography, mathematics etc with utmost emphasis on interpretation and relevance in day to day life. Thus typical irrelevant questions in the examination of history, languages, mathematics; should be totally done away with. The subject such as economics, psychology, civics, philosophy, logic, sociology etc must include field work and made relevant to the present society.

We must encourage maximum and daily person to person interaction and dialogue amongst the teachers and students; so that analytical, synthetic, contemplative, decision making, trouble shooting and problem solving capacities are developed optimally.

Let us realize the fact that the vicious cycle of stress distorting education and distorted education causing and multiplying stress e.g. in the form of RESERVATION POLICY and its ILL EFFECTS; in individual and social life; can NOT be managed effectively unless and until; a situation where millions are “imprisoned” in unproductive work and millions are forced into unemployment and inhuman cheap child labor; is eradicated through holistic education policy and its implementation; at international, national and local levels; through the laws, government rules and public awareness, consensus and participation.

The details of practical steps can be developed by interactions amongst the people active in the field of education all over the world. But we all need;

1, Perspective and conviction of Global Unity and global welfare
2. Readiness to accept and introduce physiological insights and principles in the holistic education
3. Readiness and openness to have dialogue with experts in other fields
4. Participation from the society and governments and the media including internet websites, so that holistic education activists all over the world can have a meaningful dialogue and share views, work and experiences and may be, inspire others!
5. Administrative proficiency and due care and concern for the physical capacities of the children (normal as well as the physically and mentally challenged) and should not be painful and troublesome.
7. The opportunities for psychomotor activities and productive activities; without impositions.
8. Every kind of open mindedness and tolerance amongst teachers and students; so that better international relations can be realized.

The physical, instinctual, emotional, intellectual, spiritual and economic empowerment and blossoming; of all those involved in holistic education is integral to Total Stress Management (the core of which is NAMASMARAN); i.e. individual and global blossoming; culminating into global unity, harmony and justice.

Can NAMASMARAN be useful in this? To find out that; we must find out what is NAMASMARAN!

Namasmaran usually embodies; remembering the name of God, Guru, great souls; such as prophets and whatever is considered as holy e.g. planets and stars. It is remembered silently, loudly, along with music, dance, along with breathing, in group or alone. Further, NAMASMARAN is either counted by some means such as fingers, rosary (called SMARANI or JAPAMALA), or electronic counter; or practiced without counting. The traditions vary from region to region and from religion to religion.

However the universal principle underlying
NAMASMARAN is to reorient our physiological and social being; with our true self and establish and strengthen the bond between; our physiological and social being; with our true self; and finally reunification or merger with our true self!

Since individual consciousness is the culmination of every activity in life; and NAMASMARAN the pinnacle of or culmination of individual consciousness; NAMASMARAN is actually opening the final common pathway to objective or cosmic consciousness; so that individual consciousness in every possible activity gets funneled into or unified with Him!

Thus NAMASMARAN is in fact the YOGA of YOGA in the sense that it is the culmination of consciousness associated with every possible procedure and technique in the yoga that we are familiar with. It is the
YOGA of YOGA because it is the culmination of consciousness associated with all the activities in the universe, which it encompasses as well! It is YOGA of YOGA because everybody in the world irrespective of his/her tradition and the beliefs; would eventually, ultimately and naturally reach it; in the process of liberation. Even so called non believers also would not “miss” the “benefit of NAMASMARAN as they may remember true self through one symbol or another”!

Just as NAMASMARAN is YOGA of YOGA it is meditation of meditation also! This is because the natural and ultimate climax of every form of meditation; is remembering true self or merging with cosmic consciousness effortlessly!

These facts however have to be realized with persistent practice of NAMSMARAN and not blindly believed or blindly disbelieved with casual approach!

No More Excuses for Small Business Owners for Not Growing Their Businesses

When talking about business related issues, solutions, and technologies, you will almost always group businesses as small and large. While the separation is there, it won’t be wrong to say that in a modern where digital technologies prevail, it should not be a problem for small businesses to compete with large ones. The large corporations have the advantage of having more resources without a doubt. However, there was not a time in the past when growing and expanding was as easy for small businesses as it is today.

Digital Marketing for Everyone

Digital marketing starts with a website today. When it comes to website designs, more money does not always mean a better design. If you are working with the right people and are clear about your requirements, your website can be just as impressive as the website of a large business. In fact, internet users today are more in favor of simplistic websites with a focus on the information they are looking for rather than the glitter and sparkle.

As for social media marketing, there is no difference in the size of the market that small and large businesses have to target. They are both targeting global audiences and how good they are at it is not defined by how much money they put in their marketing efforts. Social media marketing is free marketing, so there is no excuse as to who has more resources.

And if you believe that the large corporations make it to the top of the search engine results, you always have a better and more effective niche to compete within – local. With local search engine optimization, small businesses can compete with the medium and large businesses head to head. In simple words, regardless of the size of the business, everyone has access to the same market and same people today. What matters is who does it better.

Digital Solutions Are Available Specifically for Small Businesses

When it comes to software solutions for businesses, the focus is not on large corporations anymore. Today, all types of software solutions have their versions built specifically for small businesses. These digital solutions allow small businesses to cut down their costs and make use of the same technologies that large companies are using.

Take the example of CRMs. At one point, there was a notion that customer relationship management software are only for large businesses, but the things have changed quite a bit today. Web-based CRM are a revelation for small businesses. First, these CRMs provide great marketing, database, customer service and sales solutions to the businesses. Second, they are unbelievably affordable. If you own a small business, you don’t even have to worry about software integration, hardware compatibility, updates, and upgrades, etc. Keep in mind that with in-house solutions, these are the costs that make it difficult for small businesses to grow financially.

With web-based solutions designed for small businesses, you can now have access to a world-class CRM at a fractional monthly or yearly cost. Other affordable digital solutions available include invoicing software, bookkeeping software, payroll software, etc.

Customers Have the Power in Hands

The Internet has empowered customers like never before. You can’t say that just because a business is in multiple countries, it will be impressive enough for people to buy its products. The amazing thing about today’s economy is the power that customers have in their hands. Online reviewing websites, YouTube videos, blogs, etc. are among many platforms that allow customers to know more about businesses. In fact, even Google now puts business ratings and customer reviews right within its search results.

What this means is that when a customer searches for a business today, he/she is already able to see the reputation of the product they are going to buy. Furthermore, negative reviews from customers can greatly affect the sales of business, giving other businesses a chance to make their name.

Furthermore, it’s not just the quality of products that matters today. In the modern world, businesses are competing for better customer experience. If your business can give customers the experience they are looking for, your growth is inevitable despite the small size of your business.

Funding Is No Issue for Startups

It is always the starting days that matter the most for business. When you are a startup, you are looking for ways to fund your business so you can materialize your idea and polish your product/service according to the requirements of the customers. Finding a platform where you could connect with investors was a challenge in the past. This is not an issue anymore.

With like our websites, it is easier than ever for small businesses to get in touch with investors and get the right amount of investment that sets them on the path of growth. These are websites that act as a bridge between investors from all around the world and startups. With traditional banks and lenders, you are only limited to a local audience of investors. When you can’t find an investor in your local market, your hopes are almost dead.

With online funding websites, all you have to do is create a convincing pitch that explains the viability of your startup to the investors and its scope. Your pitch along with all the necessary information that you think investors should see goes on the website where it is visible to hundreds and thousands of investors. If you have done your homework and have a team of right professionals on board, getting the right investment is just a matter of hours or days.

Final Words

You can see that a small business can overcome almost all of their challenges much more efficiently today. Starting a business has become so easy that even students can be entrepreneurs today. They can lay the foundation for a business using just their pocket money. From connecting with the right investors to cutting down operational costs, all can be done from the comfort of a person’s home. The only thing that makes the difference today is if you are confident enough to take the first step.

New Policy On Distance Learning In Higher Education Sector

In pursuance to the announcement of 100 days agenda of HRD of ministry by Hon’ble Human Resources development Minister, a New Policy on Distance Learning In Higher Education Sector was drafted.

BACKGROUND

1. In terms of Entry 66 of List 1 of the Seventh Schedule to the Constitution of India, Parliament is competent to make laws for the coordination and determination of standards in institutions for higher education for research, and scientific and technical institutions. Parliament has enacted laws for discharging this responsibility through: the University Grants Commission (UGC) for general Higher Education, the All India Council for Technical Education (AICTE) for Technical Education; and other Statutory bodies for other disciplines. As regards higher education, through the distance mode, Indira Gandhi National Open University (IGNOU) Act, 1985 was enacted with the following two prime objectives, among others: (a) To provide opportunities for higher education to a large segment of population, especially disadvantaged groups living in remote and rural areas, adults, housewives and working people; and (b) to encourage Open University and Distance Education Systems in the educational pattern of the country and to coordinate and determine the standards in such systems.

2. The history of distance learning or education through distance mode in India, goes way back when the universities started offering education through distance mode in the name of Correspondence Courses through their Directorate/School of Correspondence Education. In those days, the courses in humanities and/or in commerce were offered through correspondence and taken by those, who, owing to various reasons, including limited number of seats in regular courses, employability, problems of access to the institutions of higher learning etc., could not get themselves enrolled in the conventional `face-to-face’ mode `in-class’ programmes.

3. In the recent past, the demand for higher education has increased enormously throughout the country because of awareness about the significance of higher education, whereas the system of higher education could not accommodate this ever increasing demand.

4. Under the circumstances, a number of institutions including deemed universities, private universities, public (Government) universities and even other institutions, which are not empowered to award degrees, have started cashing on the situation by offering distance education programmes in a large number of disciplines, ranging from humanities to engineering and management etc., and at different levels (certificate to under-graduate and post-graduate degrees). There is always a danger that some of these institutions may become `degree mills’ offering sub- standard/poor quality education, consequently eroding the credibility of degrees and other qualifications awarded through the distance mode. This calls for a far higher degree of coordination among the concerned statutory authorities, primarily, UGC, AICTE and IGNOU and its authority – the Distance Education Council (DEC).

5. Government of India had clarified its position in respect of recognition of degrees, earned through the distance mode, for employment under it vide Gazette Notification No. 44 dated 1.3.1995.

6. Despite the risks referred to in para 4 above, the significance of distance education in providing quality education and training cannot be ignored. Distance Mode of education has an important role for:

(i)providing opportunity of learning to those, who do not have direct access to face to face teaching, working persons, house-wives etc.
(ii)providing opportunity to working professionals to update their knowledge, enabling them to switchover to new disciplines and professions and enhancing their qualifications for career advancement.
(iii)exploiting the potential of Information and Communication Technology (ICT) in the teaching and learning process; and
(iv)achieving the target of 15% of GER by the end of 11th Plan and 20% by the end of 12th five year Plan.

7. In order to discharge the Constitutional responsibility of determination and maintenance of the standards in Higher Education, by ensuring coordination among various statutory regulatory authorities as also to ensure the promotion of open and distance education system in the country to meet the aspirations of all cross-sections of people for higher education, the following policy in respect of distance learning is laid down:

(a) In order to ensure proper coordination in regulation of standards of higher education in different disciplines through various modes [i.e. face to face and distance] as also to ensure credibility of degrees/diploma and certificates awarded by Indian Universities and other Education Institutes, an apex body, namely, National Commission for Higher Education and Research shall be established in line with the recommendations of Prof. Yash Pal Committee/National Knowledge Commission. A Standing Committee on Open and Distance

Education of the said Commission, shall undertake the job of coordination, determination and maintenance of standards of education through the distance mode. Pending establishment of this body:

(i) Only those programmes, which do not involve extensive practical course work, shall be permissible through the distance mode.

(ii) Universities / institutions shall frame ordinances / regulations / rules, as the case may be, spelling out the outline of the programmes to be offered through the distance mode indicating the number of required credits, list of courses with assigned credits, reading references in addition to self learning material, hours of study, contact classes at study centres, assignments, examination and evaluation process, grading etc.

(iii) DEC of IGNOU shall only assess the competence of university/institute in respect of conducting distance education programmes by a team of experts, whose report shall be placed before the Council of DEC for consideration.

(iv) The approval shall be given only after consideration by Council of DEC and not by Chairperson, DEC. For the purpose, minimum number of mandatory meetings of DEC may be prescribed.

(v) AICTE would be directed under section 20 (1) of AICTE Act 1987 to ensure accreditation of the programmes in Computer Sciences, Information Technology and Management purposed to be offered by an institute/university through the distance mode, by National Board of Accreditation (NBA).

(vi) UGC and AICTE would be directed under section 20 (1) of their respective Acts to frame detailed regulations prescribing standards for various programmes/courses, offered through the distance mode under their mandate,

(vii) No university/institute, except the universities established by or under an Act of Parliament/State Legislature before 1985, shall offer any programme through the distance mode, henceforth, without approval from DEC and accreditation by NBA. However, the universities/institutions already offering programmes in Humanities, Commerce/Business/Social Sciences/Computer Sciences and Information Technology and Management, may be allowed to continue, subject to the condition to obtain fresh approval from DEC and accreditation from NBA within one year, failing which they shall have to discontinue the programme and the entire onus with respect to the academic career and financial losses of the students enrolled with them, shall be on such institutions/universities.

(viii) In light of observation of Apex Court, ex-post-facto approval granted by any authority for distance education shall not be honoured and granted henceforth. However, the universities established by or under an Act of education programmes in the streams of Humanities/Commerce/Social Sciences before the year 1991 shall be excluded from this policy.

(ix) The students who have been awarded degrees through distance mode by the universities without taking prior approval of DEC and other statutory bodies, shall be given one chance, provided they fulfil the requirement of minimum standards as prescribed by the UGC, AICTE or any other relevant Statutory Authority through Regulation, to appear in examinations in such papers as decided by the university designated to conduct the examination. If these students qualify in this examination, the university concerned shall issue a certificate. The degree along with the said qualifying certificate may be recognised for the purpose of employment/promotion under Central Government.

(x) A clarification shall be issued with reference to Gazette Notification No. 44 dated 1.3.1995 that it shall not be applicable on to the degrees/diplomas awarded by the universities established by or under an Act of Parliament or State Legislature before 1985, in the streams of Humanities/Commerce and Social Sciences.

(xi) The policy initiatives spelt out in succeeding paragraphs shall be equally applicable to institutions offering distance education/intending to offer distance education.

(b) All universities and institutions offering programmes through the distance mode shall need to have prior recognition/approval for offering such programmes and accreditation from designated competent authority, mandatorily in respect of the programmes offered by them. The violators of this shall be liable for appropriate penalty as prescribed by law. The universities/institutions offering education through distance mode and found involved in cheating of students/people by giving wrong/false information or wilfully suppressing the information shall also be dealt with strictly under the penal provisions of law.

(c) The universities / institutes shall have their own study centres for face to face counselling and removal of difficulties as also to seek other academic and administrative assistance. Franchising of distance education by any university, institutions whether public or private shall not be allowed.

(d ) The universities /institutions shall only offer such programmes through distance mode which are on offer on their campuses through conventional mode. In case of open universities, they shall necessarily have the required departments and faculties prior to offering relevant programmes through distance mode.

(e) It would be mandatory for all universities and education institutions offering distance education to use Information and Communication Technology (ICT) in delivery of their programmes, management of the student and university affairs through a web portal or any other such platform. The said platform shall invariably, display in public domain, the information about the statutory and other approvals along with other necessary information about the programmes on offer through distance mode, their accreditation and students enrolled, year- wise, etc. This may be linked to a national database, as and when created, to facilitate the stakeholders to take a view on the recognition of the degrees for the purpose of academic pursuit or employment with/under them.

(f) All universities/education institutions shall make optimal use of e-learning contents for delivery/offering their programmes through distance mode. They shall also be encouraged/required to adopt e-surveillance technology for conduct of clean, fair and transparent examinations.

(g) The focus of distance education shall be to provide opportunity of education to people at educationally disadvantaged situations such as living in remote and rural areas, adults with no or limited access to education of their choice etc.

(h) In order to promote flexible and need based learning, choice-based credit system shall be promoted and all ODE institutions shall be encouraged to adopt this system and evolve a mechanism for acceptance and transfer of credits of the courses successfully completed by students in face-to-face or distance mode. For the purpose, establishment of a credit bank may be considered. Similarly, conventional universities, offering face to face mode programmes shall be encouraged to accept the credits earned by the students through distance mode. A switch over from annual to semester system shall be essential.

(i) Convergence of the face-to-face mode teaching departments of conventional universities with their distance education directorates/correspondence course wings as also with open universities/institutions offering distance education, shall be impressed upon to bridge the gap in distance and conventional face-to-face mode of education.

(j) Reputed Foreign education providers well established, recognized and accredited by competent authority in their country and willing to offer their education programmes in India shall be allowed, subject to the fulfillment of the legal requirement of the country.

(k) A National Information and Communication Technology infrastructure for networking of ODE institutions shall be created under National Mission on Education through Information and Communication Technology.

(l) Efforts would be made to create favourable environment for research in Open and Distance Education (ODE) system by setting up infrastructure like e- libraries, digital data-base, online journals, holding regular workshops, seminars etc.

(m) Training and orientation programmes for educators and administrators in ODE system with focus on use of ICT and self-learning practice, shall be encouraged.

(n) ODE institutions shall be encouraged to take care the educational needs of learners with disabilities and senior citizens.

(o) An official notification clarifying the issue of recognition of academic qualification, earned through distance mode, for the purpose of employment, shall be issued.

Business & Technology Crack – Does Business Drives Technology or Technology Drives Business?

Information Technology and the move to a computerized infrastructure model are bringing great changes to many industries. Often it is the CIO of the company who escort this fundamental shift in the business revenue stream. Leading others through modernization, revolutionize and transformation means you must be able to make changes yourself.

Forget about asking whether technology drives business or business drives technology. Stop perturbing about whether or not technology is strategic. Silence all the confusions about how advance this technology is to that technology. In technology, there are numerous questions that if you have to ask, you probably already know and don’t like the answer. A more satisfying line of inquiry is how much of your technological horsepower is actually being used to turn the wheels of innovation.

Some people says that Technology drives business modernization, novelty, success & Innovations that opens up new doors of opportunities, improves the company’s performance on the whole, sharpens the company’s market intelligence, and makes new things possible for the clients. Another school of thought is that the Business Drives Technology, as such integration is about assisting business to facilitate their profitability by utilizing technology and other resources available to the enterprise. But realistically speaking, the driving force comes from the CEO and CIO of the company, who both endeavor to leverage technology to its fullest potential.

In a society that has become entirely dependent on computers and immediate communications, technology is becoming the heartbeat in the process of office design as decisions on layout and services. Some aspects of technology, like the computer animation & communication, are highly visible demonstration devices. But more of it is in the largely unseen infrastructure, with the emphasis on sophisticated wiring and smart communication devices to provide for an ever greater flow, and on communications and power facilities to keep operations running through almost any anticipated calamity.

In the modernization of the today’s businesses, Common business drivers include; Mergers and Acquisitions, Internal Reorganizations, Application and System Consolidation, Inconsistent/Duplicated/Fragmented Data, New Business Strategies, Compliance with Government Regulations, Streamlining Business Processes. To achieve the success in the accommodation of these business drivers, the sturdy and smart input would be required from both the parties i.e. the business as well as the technology.

In a company, you could cover every surface in your office with how to manage change. But one aspect of change management that often dodges IT Managers is how to better influence corporate colleagues. If information technology drives business decisions, the IT executives must communicate and be persuasive with other department heads on key project management issues.

Strategic planning for Information Technology is one component of an overall company vision for success. This psychoanalysis facilitates IT professionals to successfully define short and long-term goals and ascertain the resources necessary to apprehend such goals. To ensure success, the strategic plan should be developed in a thorough but rapid manner, consist of a brief, succinct compilation of analyzed data, and provide opportunities by which additional planning and analysis can occur.

Several important benefits occur as the result of a successful strategic IT plan. First, employees are provided with an understanding of how their role fits in with the overall company structure. Also, this planning allows managers to realize additional opportunities for growth and success. Finally, important relationships between technology investment and positive outcomes, such as increased market share, are revealed.

It’s now become the industry dilemma that IT people need to know more about business. They need to understand the disciplines and the lingo of business process management, business performance management, customer relationship management, supply chain management, financial management, human resources management, operations management, etc. Lacking that knowledge, communication with business people and understanding of business requirements will forever be troubled.

On the other hand the Business people should also drive their efforts to know more about information technology. As with all communication and relationship issues, this is not a prejudiced problem. Just as IT people need to become more business-oriented, business people need to be more IT-oriented. They need to understand the roles and relationships among the many different kinds of technology upon which their information systems depend, and they need to understand the dependencies among those technologies. Business people need to have a working knowledge of the technology stack as it affects their capability to get information, perform business analysis, and make informed business decisions.

Beyond the relatively straight-forward needs of business becoming IT-oriented and technologists becoming business-oriented, there lies a new challenge. We must develop common understanding and shared perspective of value, an issue that is both a business concern and a technology consideration. When business and IT have different meaning and outlook for value, conflicts are certain to arise.

Business and IT organizations often have two evidently different perspectives of value. IT expert generally take a data-to-value approach. Where Data produces information, information enhances knowledge, knowledge drives action, action produces outcomes, and favorable outcomes deliver value. Business management typically uses a goals-to-value system. Business drivers and goals determine strategies, strategies drive tactics, which in turn produce results, and positive results produce value.

Effective business/IT relationships are ultimately a question of alignment. New IT skills, new business skills, and new perspectives that sets the stage for business/IT alignment. But it doesn’t assure alignment. To achieve genuine association there are several things that must be done; some by IT, some by the business, and some collectively.

Conflicts between business and IT organizations have existed from the very beginning of automated Information Systems. We have accelerated in so many ways both in business and in technology. However, the problem still pestilences most of the businesses. The Business/IT crack must go away. The cost is high; the value is null; and the barriers that it crafts grow bigger each moment. The problem can be fixed, and the time to fix it is now!

Pervaiz Pyar Ali holds advanced degrees in both Business Management and Computer Science. Having worked in the Banking industry for the last five years in Pakistan, Pervaiz has formulated several projects in his organization.

Growth Consultant: Giving New Direction To Your Business!

Earning substantial profit is the main objective of every business and for this it is imperative that your business grows in significant direction keeping pace with changing scenario. Because, if a businessmen continues to follow conventional methods of conducting business he might not be able to stay even in competition with his contenders and may lag in competition.

For the continuous growth of business it is indispensable to keep a strict eye on every change taking place across the business world. The relevance of keeping an eye on changing scenario increases more today’s age because today as an impact of globalization business operators are blessed with vast opportunities of exploring their business throughout the world in short span of time.

Days have gone back when business operators centralized their activities within a limited region, but now the time has arrived when they need to move ahead by eliminating cultural and demographic traits and transfer their orthodox business model into customer centric, best in its segment, broadening potentials of growth with feasible profits from business.

To assist the business owners in moving their business according to changing environment, growth consultants can play an incredible role in getting the infrastructure of their business keep changing in accordance to global market.

The growth consultants provide their expert advice and suggestions to business groups and may even help them in getting those suggestions implemented in organization in determined strategy. These consultants make business operators understand the drawbacks of orthodox business concepts and make them realize the changing role of not so recognized sections like women and youth in growth of an organization. They make business owners understand the contribution which they can make in exploring their business.

Moving ahead they also make them realize the changing nature of consumer behavior and how they can succeed in offering varied services and products to their multicultural consumers located in different regions of world.

The consultants of growth help business groups in:

1. Re-evaluating the core targets and models of their business

2. Identifying the gaps in their value delivery systems

3. Make them understand whether their strategies of VP communication are misfiring or not;

4. Generating the identity of their brand in accordance with values, beliefs and strengths of new worlds market place (NWMP)

5. Selecting and strengthening their value propositions and competitive differences

But sharing business details with an unknown person is not an easy task for any business operators and therefore it is necessary to get assured that information shared with consultant will stay restricted only with him and not affected by any kind of elusion. The selection of growth consultant should be done after proper research about his past experiences and knowledge.

As a general practice need of a growth consultant is felt when:

1. Growth of your business has stagnated

2. You are not able to make appropriate use of the available sources

3. When you are speculating to introduce a new initiative in market

How do growth consultants assist the business groups?

The growth consultants conduct an intensive study of every aspect related with your business on your behalf and then point out the pros and cons of your business comparing with your contenders.

After analyzing your business they find potentials of your growth keeping the changing atmosphere and making system approach for your business according to recent trends. They also help you in assessing the results and difference in your business after implementation of their recommendations. This strategy will help you in achieving desired success in your business in appropriate direction.

Epilogue: To enjoy substantial profit on their investment every business owner expects his business to grow in significant direction. But, sometimes as they are not able to analyze the marketing atmosphere or competition they face from their contenders they are deprived from the success which they deserve to enjoy from their business. It is the time when they need someone to guide them and let their business move on the path of success. Growth consultant could play an incredible role in making their dream come by analyzing their business and suggest them necessary measure which they should adopt in making their business a huge success.