The Controversy of UK Agricultural Land Conversions to Housing

September 11, 2016

What are seen as the controversies around converting land from agriculture to housing?The value of UK Green Belt and agricultural lands is undisputed. But the environmental costs of modern farming and housing needs are part of the conversation as well.Anybody considering making an alternative investment in strategic land will know that Britain unquestionably needs more homes to accommodate a growing population. According to the Office for National Statistics, more than 4.4 million homes should be built by 2016, largely in response to two factors: A decennial growth rate of 7 percent, as measured in Census 2011, and lagging new home construction that fails to keep up with this population increase, largely attributed to the stringent lending standards of banks following the 2008 economic crisis.At least one group claims the solution is to build on Green Belt land. The Policy Exchange, a centre-right think tank, said in late 2012 that the supply of land near cities that is kept unbuilt is a drag on the housing market. They argue that swaths of English countryside that typically surround towns should be opened up for development. The fourteen Green Belts in England cover about 13 percent of the country, enveloping about 60 percent of Britain’s population (about 30 million people).The Policy Exchange faces plenty of headwind in its positions. Since the “garden city movement” of the early 20th century, the effort to combat urban sprawl led by such groups as the Campaign to Protect Rural England (CPRE) and the London County Council sought to maintain open spaces dedicated to recreation, forests and agriculture as a social good. But the Town and Country Planning Association has proposed since 2002 the adoption of more flexible policies toward Green Belt lands, suggesting that instead of a growth-stifling “belt,” that “wedges” and “strategic gaps” might allow a natural expansion of urban areas.

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Famously, the head of Natural England, whose charge is entirely to ensure protection and improvement of flora and fauna, said in 2007 “we need a 21st century solution to England’s housing needs which puts in place a network of green wedges, gaps and corridors, linking the natural environment and people.”Agricultural land outside of Green BeltsOf course, land away from the major cities is green as well, much of it in use for agricultural, forestry and recreational purposes. More than 80 percent of the landmass in England and Wales, 12 million hectares, are used for farming and forestry. Local planning authorities can more easily rezone the lands outside Green Belts when market factors, such as the demand for housing development, call for it. Since 2000, about 1500 hectares of agricultural land has been converted to housing development every year.Of course, similar sentiments understandably still exist relative to the bucolic perceptions of farming in the U.K. But environmentalists take exception to how modern agricultural methods, which include excessive application of fertilisers, can actually burden nature with its by-products:• Toxic build-up. 100 million tonnes of sewage sludge, compost and livestock manures applied annually to agricultural lands is leading to a build-up of potentially toxic elements such as zinc and copper, and more than half of sensitive wildlife habitat experiences harmful acid and nitrogen pollution, according to a paper published by Environment Agency UK.• Loss of soil. About 2.2 million tonnes of topsoil is lost each year due to intensive cultivation, some of which is instigated by compaction from heavy machinery and livestock, which precludes plant growth and leads to runoff in rain. (source: Environment Agency UK). To be fair, some runoff is noted as well from building sites before landscaping is completed.• Water quality compromised. About 70 percent of sediments found in water come from agriculture, and those sediments can carry metals, pathogens, pesticides and phosphates.Such problems due to modern agriculture plague the planet, as similar pollution levels are reported throughout Europe, Asia, North America and Australia. Africa, Brazil and Argentina, the newer frontiers for agriculture, are expanding arable croplands to meet global food demands but also exhibit a host of environmental sins.The food-housing tugThere is no denying that the housing needs in the UK must be met – and soon. A whole generation of families are postponing children or living in cramped quarters, awaiting homes they can afford or at least rent to accommodate their members.But Brits need to eat as much as sleep. So how to balance the use of land for each?A number of approaches are being tested. One is to encourage development of so-called brownfield lands, which include properties that may require remediation from previous industrial uses. These lands are often within towns or immediately adjacent to them, some with excellent access to existing urban infrastructure while others are cost-prohibitive for a variety of reasons (no existing infrastructure, undesirable locations for housing or extensive environmental remediation required).

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SustainableBuild.co.uk is a web publisher that considers the balance between development and environmental sustainability from a very pragmatic standpoint. The site offers several points on how land conversions to development can have a negative effect, which include: converted greenfields are quite unlikely to be converted back to nature; there is inevitable loss of habitat for animals and plants; a loss of employment for agricultural workers; and a loss of Green Belt land that provides geographical definitions and separations of cities, towns, villages and hamlets (I.e., American-style urban sprawl).Answering the problem of diminishing agricultural lands is a nascent movement to small-scale, organic agriculture on greenfield lands. SustainableBuild notes, “There are greenfield sites that are not being used for any purpose, for whatever reason. Development must consider all human and environmental factors, not just consume land and space for short-term solutions. A sustainable vision would look at all the options for land use, human population expansion, urban sprawl, economic considerations as well as environmental needs.”Which, in a country with a growing population and a concurrent appreciation for the environment, is perhaps the most realistic and pragmatic approach.

Internet Marketing Strategy

September 19, 2016

Bayshore is the Internet Marketing solution, providing a complete Internet marketing strategy, promotion of a nationwide advertising. We can help you create a website, get the results or upgrade your existing site’s functionality. Bayshore Solutions can help you effectively combine network marketing, promotional and advertising strategies, customer conversion visitors web design.Internet marketing is the same as traditional marketing, others are not. Here are seven things you need to know your online marketing is successful. When you write Xu copy, you should take the time to understand what works and what does not. There are two mistakes almost every amateur search engine copywriting.Successful non-profit organizations use the Internet to market charitable program.To help companies improve their digital marketing results, I also had in-depth, widely praised and won the AOP Award for best practice, publisher e-consultancy Guide.Internet marketing is very challenging, and there will be, you need an expert search engine marketing services to beat your competition in the traffic wars. Please consider our search engine optimization company with the help of your project. Free quote service search engine optimization, web design, pay per click advertising, search engine optimization and PPC series, search engine optimization training courses and online brand network analysis.Internet marketing is still essential to any business’s overall marketing strategy. Mentioned before with all the benefits of internet marketing, people still buy magazines, billboards went out to check to see their mail, watch TV, and shopping. No matter how fast-paced and wide internet of communication, people go out together, talking about going to the gym. Thus, while Internet marketing is absolutely valid and important, demising certain value of the cost of traditional marketing any business, many potential customers. Another thing, when we say that internet marketing, it is not only figures we choose to click on ads. The list also includes security, advertising, advertising social networks, groups, discussion boards and many others. Accordingly, the online marketing activities can effect the number of people exposed. However, one disadvantage is that people started to become one of the, and would even read the advertising information advertising or know (even people in the security list), and delete without opening them. When someone on the Internet, they would like to read / write e-mail, chat with friends, read and post / reply comments, play fun games. As a internet marketing goal is to build a top priority for Internet users. Also, try and spam and unsolicited e-mail and advertising, more and more people away from Internet advertising in general, unless they are some specific content. A variety of Internet marketing strategy is free and paid online marketing can make more money. 12-month Internet Millionaire Review – Russell Brunson is a 12-month millionaire fraud?. As the market one of the most controversial books, and now the Internet millionaire’s 12 months still constitute a major buzz everywhere. A great professional internet marketing make money online. Internet marketing can be a lucrative industry, if some big Internet-related skills and knowledge development to do so successfully. Must also identify and develop the necessary strategies to make money online. Pay per click advertising, online advertising and link exchange programs, is marketing, can be used to make the Internet industry to make money online there are some important programs.Internet marketing are not the result of a well-defined, integrated internet strategy; rather, they are a response to competitors activities or customers demand. Through the site has existed for more than a year, marketing staff and senior management will naturally question its effectiveness. This is usually the point in a coherent Internet marketing strategy needs to become apparent. As a result, starting in the sum of electronic marketing strategy, is when a company’s existing website, which is to review the existing site and its purpose is to improve the effectiveness of the future. There is no evidence that the development and implementation of a strategy to be significantly different approach to electronic marketing. Strategic planning for enterprise development or strategic marketing to comply with the established framework should still be. The framework provides a logical order to follow up to ensure that the strategic focus of all development activities included. It can be said, however, with the e-market strategy for a highly sensitive process of rapid response mode, the events in the market need. Soviet-style five-year planning application does not seem to fit, the best approach is a new process of electronic marketing strategy is a continuous improvement. Check fee (2002) pointed out that e-commerce or e-marketing strategy process models tend to agree with the following features:

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There are many ways to market your product using a large number of online with Google AdWords or Yahoo’s Overture advertising network, eBay, members network, cost per click marketing. In addition, there are many second tier cost of sales and earnings per share network. You need to have a good network marketing strategy, using the Internet to provide online marketing tool. With Internet marketing company, will help you to get your website in search engine advertising and optimization services provided by many of the results, but eventually you need to determine what kind of network marketing will give you the best of a product line. It used to be you bought CPM (cost per thousand) in large-scale campaign Web site and hope that the good performance of these ads and get traffic to your website. Now, there are many choices, there is usually a for each event better than the other run. It appears that the use of network marketing the best way to get return on investment cost per click online marketing tool, the strategic point. Google AdWords and Yahoos Overture CPC programs have dominated the world of network marketing in the past two years, they only get bigger and stronger. Network marketing companies have sprung up to help beginners learn how to use AdWords and Overture to the best of their ability to rope. If you want to build a brand, then the cost per click will not be online marketing solutions. Instead of the online brand, you will go to a CPM campaign, is a straight line costs. The targeted ads, and now there’s online advertising spending is due to leave the television and radio have been gradually transferred to the Internet. Why do you want, if you are advertising with the radio or TV, you can actually track the individual results of the work online. We believe that many ad networks and affiliate program will gradually fade out in the next several years, while Google and Yahoo Zhudao even with their own, targeted search results and more per click advertising network. Internet changes quickly, any company want to optimize their online marketing presence needs to adapt and adjust to the latest technology.Network marketing is the three capacities: transport infrastructure, marketing, application development, marketing methods and permissions. Practical ability of the network in sports marketing when three similar shift manual gearbox, driving a car, both in mechanics.Internet marketing is the same where you live, because it is a global market.They do not have banner ads, because they are cheaper than print. In Facebook, because their children that they should be. If you start what you want for your site’s business focus and you concentrate all energy on helping to improve the preliminary results of this goal, Name of the Dong Xi you Keyi try, to see if they are how they work. Or you can look at things, said: “I do not see how it can help me achieve my goal. Now, if you ignore something, it is possible that they will actually become extremely important, and you ‘local employees realize that you made a mistake. but only the larger error is ignored, since you are overriding, or try to do everything hafway and accomplish nothing.Network Marketing is not just large budget or the entire company’s IT department. We have developed in Newfoundland and Labrador website, then who can appear in more effective competitors excluded from the market itself. We can do the same for you, to establish an online presence to support your other. This allows you all the seamless integration of marketing activities, you become a better profit growth in your site shooting. With complete Internet marketing strategy and a strong web site design, your company has the potential to become a global player., Kok River, some in Newfoundland and Labrador, or any other parts of the world community, asking them to do, they can help your web site design, as a money-making machines effective. We believe that your answer in Lorne Park and associated companies will seek to get you.Internet marketing is clear, the next question is usually, “Yes, but where I start?.” For new and existing customers a direct entry point. In the days passed, and when people want to find a business, they turned to the yellow pages. Today, your customers will find you on the Internet, if you are not there, they will turn to the next thing, they did find: 1,Network Marketing is your competitor doing? How do your competitors in the domestic major search engine rankings? What kind of traffic from their own site? Use the right tools, this valuable information can be found in your competitors.: What is it your product or service for the customer to resolve or do not provide any good? In what ways you can best illustrate this advantage? Clear and consistent information on the positioning of your products in the market based on a solid understanding is very important to all offline and online marketing efforts.: How much money can you get customers and still make a profit? What is each customer, you get the value of life expectancy? This is the answer you need to determine the effectiveness of any network marketing program running on key issues.Internet marketing is falling over themselves trying to shift dollars from offline to online marketing. I believe the idea is that network marketing will give them better to reduce the U.S. dollar in a tight economic returns. While it is certainly a solid strategy for mobile Internet, it pays to put it a little thought, the first: Verify your infrastructure. Offline dollars in your move to online, to ensure that you can actually use all of the online customer service. Do you have in place of? You can quickly adjust the landing page and website copy? No sense, if you put in to send visitors to a site, sucking money from online advertising. If you are from offline to online money like two weeks to generate a 5:1 return, reducing the Prozac and think twice to come back. The biggest mistake I see their budget, the company’s transformation, is that they think this is a line ‘run and do’ things. Marketers and their bosses think they can create a landing page or start a PPC campaign, and then forget about it for a month. And this cycle works in print or television, it will not work online. Line is highly, highly repetitive, and requires constant attention. So you save a lot of advertising money into the labor force.Characteristics of network marketing is definitely a good start in the Internet market, but if you do not know how to drive traffic to your site, these things will be wasted.Search Engine Optimization Senior Account Manager applicants must have at least the search engine optimization, link building, PPC 3 years of experience, and can hit the ground running. Intelligence and ability to work proactively without supervision is necessary, you should be able to work on project management. You also must be able to communicate with customers the highest level of search engine optimization. Sales useful, but not necessary, because this ability is the main strategy and client management role. We are a small busy Swiss institutions and roll up their sleeves and complete the work is essential. The way we work, we are very flexible, but this is a full-time position at our headquarters in Bristol, England, Bristol in the UK so you must be near or on, such as bathing, Swindon, Chelten Burnham, Gloucester.

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Internet online marketing experts found in the blog, webmaster forums and online publications. com, where you can learn about the latest Google updates the new method can make money website. Acetylcholine maravilla is the President and Chief Executive Officer powerhomebiz. One on entrepreneurship, in order to step by step information.Internet marketing is just too numerous to mention in this article. If you access the Internet value-added services, web savvy, you will see how much of this marketing can increase your business type.Network marketing is online marketing, network marketing, network marketing. Internet marketing is very important, but the madness of growth with social media, I strongly recommend listening skills is to know how to do twitter, Facebook and YouTube. Many marketing media, relying on the three to take home the bacon only. The building is a long list of network marketing, a necessary component of success. List building simply means that a user list, you can communicate regularly via e-mail. In order to start building a list, you first need to establish what is called a capture page. Pages, your visitors will be asked to provide some free gifts, to share their names and e-mail. It can be a free report, e-books, video or presentation software. Many merchants also offer free electronic can receive daily early bird tips and notifications.In today’s competitive (and noise) market, we must combine all the right online marketing tools, to create a truly effective and comprehensive marketing program. All, of course, is up and around the central site, but to create opportunities, improve customer response, increased brand awareness, the site of the network through a comprehensive marketing strategy, including search engine optimization, PPC, social media tools to support marketing, and so on.Linked network marketing ideas and technology and business strategy design, development, Internet advertising and marketing. Search engine marketing, email marketing, display advertising, affiliate marketing, display advertising, blog marketing, display advertising, viral marketing. Internet marketing is the media running along the different stages of customer engagement cycle through search engine marketing, search engine optimization in a specific site, e-mail marketing and Web 2, banner ads. Network marketing has become more and more organizations use to promote the network media key and very effective. ‘The establishment of a website’ or ‘promotion site’ is the foundation, but not the basis of network marketing.Somewhere behind that website is a real goal, the real organization. Internet marketing strategy includes all of the online advertising products and services, including market research, email marketing, websites, and direct sales.

Politics And Politicians

August 20, 2016

I hate politics and politicians! What have they done for you lately?We need balance – not extremes. Our government is supposed to represent its citizens and “provide for the common good” – not focus on special interest groups that try to influence legislation and regulations that support their unique agenda. Libertarians have a lot of good points – such as smaller government – but not their extreme view of gun and drug “freedoms”. Progressives also have some good points – such as social “protections” – but not the extreme views on abortion and gay “rights.” Politicians often pay attention to irrelevant issues. Like when we are at war (2 or 3!) and have debt that our kids and grandkids will never be able to pay off, and 10% unemployment, etc., etc. What do they focus on? Trivial stuff – like when Congress considered banning shopping bags that are purchased to save plastic and paper bags – that were found to have some lead in them. Did anyone ever ask Congress to do something about the lead in the solder in your copper water pipes?But we have a kind of system of government that, in the long term, seems to work. Some things are bad and some are good – about the “greatest democracy in the world.” Winston Churchill once said “It has been said that democracy is the worst form of government except all the others that have been tried.” The U.S. is considered by many to have an ideal model of democracy, but it is imperfect and democracy itself has its own inherent problems and limitations. Some things are necessary – like Defense, Environment, Health and Safety, Civil Rights, etc. – which we need to do right at the national level because they can’t be done effectively at the individual or state level. The U.S. federal government’s organization and processes are archaic and inefficient – but sometimes it seems to work – for example, the “Stimulus Package/Bill” in 2009 actually did help the country recover from a serious recession (despite some its shortcomings and problems). Others don’t seem to work well or belong at the national level – like the unbelievably complex, convoluted and inequitable tax code (more on that separately).There are lots of examples of stupid, unproductive, and irrelevant political actions. Here are just a few of my favorites:• Earmarks – those projects for specific congressional districts or states that are funded by tacking them onto unrelated congressional bills in exchange for votes – so called “pork barrel.” So, if you look at a major funding bill – that may be essential, such as the Defense Department budget – you will find hundreds of earmarks attached to it to fund a lot of strange, arcane, and sometimes useless projects (like the famous “bridge to nowhere” or local airports with almost no passengers, etc.). These projects may bring some federal money back to their districts, but they are in many, if not most cases, funding pet projects of political contributors. The individual requests in many cases are relatively small (at least by Washington standards) – perhaps a few $ million – but there are thousands of them every year. Collectively they can amount to hundreds of billions of dollars. And without a line item veto by Congress or the President, these projects get funded automatically when the major bill passes. How’s that for representative government spending your money?

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• Political Priorities – The Congress and the President are often involved in the absurdities and travesties of what they view as political priorities – at our expense. For example, pursuing a constitutional amendment against gay marriage while passing a law exempting gun manufacturers and dealers from all potential liabilities – including illegal sales to criminals! That’s just screwed up!! Who thinks up this stuff – and who do they think they are representing?• Gerrymandering – Our elected Congress works very hard to get re-elected – on our dime. From Wikipedia: “Gerrymandering is a practice of political corruption that attempts to establish a political advantage for a particular party or group by manipulating geographic boundaries to create partisan, incumbent-protected, and neutral districts.” With the manipulation of election districts, it is possible for minority parties to win a majority of districts in an election – or neutralize a strong district of a majority party. This is a process that is facilitated by the mandated re-assessment of congressional representation after every 10 year census – and it can neutralize your vote! There are no uniform electoral districts. Your representatives design the election districts to protect incumbents. For example:o “In 2004, not one of California’s 173 state legislative and federal congressional seats changed party-hands.”
o “No House member from Tennessee ever lost a bid for re-election during 1980-2005.”Other developed countries have established processes for “defining constituency boundaries” by objective third-party organizations. But politics in the U.S. is not that progressive – so much for “one person, one vote.”• Subsidies – Our government, which we pay for, thanks to our politicians, provides substantial subsidies to some very profitable industries – at our expense. Here are a couple of examples:Agriculture – Agriculture is obviously very important to an economy, so what is wrong with federal programs to support it? First, a few facts (from The Cato Institute): “The U.S. Department of Agriculture distributes between $10 billion and $30 billion in cash subsidies to farmers and owners of farmland each year… More than 800,000 farmers and landowners receive subsidies, but the payments are heavily tilted toward the largest producers… Although policymakers love to discuss the plight of the small farmer, the bulk of federal farm subsidies goes to the largest farms. For example, the largest 10 percent of recipients have received 72 percent of all subsidy payments in recent years. Numerous large corporations and even some wealthy celebrities receive farm subsidies because they are the owners of farmland… In 2008, Congress overrode a presidential veto to enact farm legislation that extended existing supports and created new subsidy programs… The 2008 farm bill added a new sugar-to-ethanol program under which the government buys excess imported sugar that might put downward pressure on inflated domestic sugar prices. The program defends domestic sugar growers’ 85 percent of the U.S. sugar market, and it provides for the government to sell excess sugar, at a loss if need be, to ethanol producers… Since 2000 the USDA has paid $1.3 billion in farm subsidies to people who own land that is no longer used for farming.” Agricultural subsidies in the U.S. comprise 11% of farm production.So, why are subsidies to farmers bad? Simply, because they don’t achieve the intended results. Most of the money goes to large, profitable farms and corporations. They can upset the natural balance between supply and demand – by facilitating over-production – which can unrealistically affect the prices of food commodities and farm land. “Perhaps the biggest scandal with regard to farm subsidies is that congressional agriculture committees are loaded with members who are active farmers and farmland owners. Those members have a direct financial stake whenever Congress votes to increase subsidies, which is an obvious conflict of interest.”Other countries have experimented with eliminating agricultural subsidies – with some success. New Zealand is one example. “New Zealand’s farmers have cut costs, diversified their land use, sought nonfarm income, and developed niche markets such as kiwifruit… New Zealand farm productivity, profitability, and output have soared since the reforms.”Oil – The largest, most profitable industry in the U.S. – and worldwide – receives federal subsidies! Why?? Technically they are tax breaks, but only because of the way our Congress writes the rules and defines the terms. The subsidies/tax breaks to the U.S. oil industry amounts to about $4 billion each year. This includes a “depletion allowance” that treats oil reserves as capital equipment – in addition to very favorable terms for writing off exploration costs. But the major oil companies have been making more than 10 times that in profits each year. Do they really need incentives to explore for oil – when the world market price for oil has been in the neighborhood of 3-5 times the cost of production for decades? And what is the attitude of our politicians? – “we’re only talking about four billion dollars.”!!• Social Security – One of my pet peeves has been the most sacred of all federal government programs. For over 70 years, Social Security has been “an insurance program for everyone”. But up until 1984, government employees, including Members of Congress, did not pay into the Social Security program – when all of us “citizens” were required to by law. The Social Security program, which has been going broke for decades, was good enough for “the people”, but not for the government employees and politicians who are supposed to be serving them. So now it is an example of how a political abuse can be fixed. However, the benefits for federal employees are still very attractive – and not typical of industry jobs. In addition to now participating in Social Security, federal employees have a defined benefit pension plan (which no longer exists in most of industry today) as well as a “Thrift Savings Plan” – the equivalent of a 401K plan – with up to a 5% match. Members of Congress are eligible for full pension at age 62 after only five years of service – and they are eligible at age 50 if they’ve served 20 years. So our “public servants” have more rewarding benefits than most taxpayers receive.

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And there is more – much more!!So, how can the “greatest country in the world” be so screwed up (at least at times)? I blame it on the politicians and the uninformed/uninterested electorate. Other countries must just be worse. Part of the problem is that the public is often not well informed – or just doesn’t care. How do you communicate important political issues so that the general public really understands – the complete facts and truth? Most news and views are at too high a level (e.g., small “sound bites” – or talk show opinions) so that they leave either a limited or wrong impression. For example, issues like abortion and stem cell research are highly controversial and emotional and don’t really get covered objectively.Is there a solution? It would be nice if we could focus on real/important issues and attract intelligent, sincere people into politics. What kinds of people want to run for political office? – ego-centrics, power hungry, self promotional – are these the type of people we want to represent us?? Why would you trust a politician with your life and welfare? But that is what we have – at least in many cases. And what are the financial implications? How can really good political leaders afford to be politicians? Even with the elevated salaries and benefits for politicians (at least at the Congressional level), the cost of the life style in Washington, DC is far too expensive to be covered by federal payments. So, they must either be independently wealthy – or seek an opportunity to capitalize on their political position – either during or after their term in office. What would make a constituent think that their representative is working in their best interest?
I don’t have a solution. That’s why I hate politics and politicians.All Rights Reserved © 2011 Henry P. Mitchell

Private Banking Services Vs Retail Banking

September 24, 2016

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

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

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

Different Types Of Data Communication Media

August 21, 2016

The process in which data is transferred from one computer to another is known as communication media. Data communication involves transmission of digital of information to different electronic devices through wireless or cabled connections. The two commonly used computer communication media used are bounded and unbounded media.A. Bound MediaData transfer through physical connections is referred to as bounded media in that signals are sent to other external devices from one computer in a network. Computers can be interconnected to share files and devices in a network by means of cabling which facilitates faster communication of information. Bounded media is a faster data communication that provides high speed transfer of signals over long distances and is the most reliable media for message sending.Bounded media is categorized into three types of data communication which enables connection of different types of network. These cables include:

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1. Coaxial cableThis is most common bounded media that is many electronics to transfer data and it is designed with two parallel copper conductors. It has a solid central copper conductor that transmits signal and is coated with a protective cover to reduce electromagnetic interference. Coaxial cable is found in different gauges at affordable prices and is easier to work with. They are easy to install and can support up to 10Mps capacity with medium attenuation. Despite its popularity, the only serious drawback it has is that the entire network is always affected with a single cable failure.2. Twisted pair cableTwisted pair cables are found in two types and these include unshielded and shielded twisted pair cables. It is commonly used because it is lighter and inexpensive. They are made up of twisted solid copper wires which help to reduce vulnerability to EMI and cross talk effects. This type of cables is cheaper and can support up to 100mps speed capacity.3. Fiber opticUnlike other types of cables, fiber optic uses electrical signals for communication and is made up of reflective cladding that prevents loss of light in the glass core. Although it very expensive and hard to install, optic cables can support at least 2gbps and are not vulnerable to EMI interference. It has got also very fast data transmission and very low attenuation compared to other data cables.B. Unbounded mediaThis type of data communication media involves networking of multiple computers through a wireless connection. Creating a wireless connection is much easier since no physical connection is required and can connect multiple computers in a room. Unbounded media uses space or air as the transmission medium for electronic waves. Some of the unbounded media are the satellites, radio, Bluetooth and Wi-Fi among others. Installation of wireless network is much easier and faster compared to the bounded media which require an expert to do the configuration. Through wireless settings, you can also transfer huge files of data to any networked computer since the unbounded media supports very high bandwidths just like the cabled network.

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Generally, in order to transmit data over networked computers, you will have to use either bounded or unbounded types of media. Depending on the type of network you want to create, convenient type of media is required to enable consisted and proper data communication.

Online Gambling Debts – How to Deal With the Causes and Effects of Online Gambling Debts

August 18, 2016

One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. The real danger comes when you combine this factor with the fact that it is so easy to feel detached from the reality of money spent online. Gradually racking up a debt online does not feel the same as handing over hard earned cash from our wallet, so it is that much easier to lose track of how your online spending is mounting up.For these reasons, debt problems from internet gambling are on the increase. In this article I hope to clarify some of the legal issues around online gambling, as well as providing some advice on dealing with the underlying problem and the debts that result from it.Legal Issues Around Gambling DebtsWhen we talk about debt from online gambling it is important to be clear about the nature of the debt, because who the money is owed to does make a difference. People are often unsure about the legality of debts from online gambling. In the UK you can gamble legally on credit and incur a debt, but this debt is not then enforceable through the law.

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However, there is an important point to make here, which is that this only applies when you are using credit extended by the company offering the gambling (casino, bookie, etc). If you use a credit card company to pay for internet gambling, that is a legally enforceable debt the same as it would be in any other circumstance, because you have borrowed money from the credit card company, not the casino. It is now against the law in the US to use a credit card to pay for online gambling.You will find that many credit cards will regard a payment to an internet gambling website as a cash advance. This is then clearly borrowing money from the card company and the debt you incur can be pursued through legal action. If you do use a credit card to pay for online gambling this way, you should be aware that cash advances on credit cards are almost always charged at a much higher rate of interest than normal credit for purchases.How To Deal With Debts Caused By GamblingIn dealing with gambling debts, there are two separate issues to tackle. One is the debt itself, and the other is the habit of gambling that led to the debt. Even if the debt is dealt with, it is likely to build up again if the root cause is not tackled too. Let us first consider the problem of paying off the debt.The principles for tackling debt are nearly always the same, irrespective of the causes of the debt. To permanently deal with debt you should not be considering borrowing more money or paying anyone to deal with your debt for you. These courses of action are likely to deepen your debt in the long run.With a little advice, you can deal with your debts yourself, by contacting your creditors and agreeing terms for repayment that you can afford. There is clearly more to it than that, but it is beyond the scope of this particular article. The process is straightforward and allows you to take back control of your finances.Factors Leading To Internet Gambling DebtsIt may help to have an understanding of why some people can become addicted to online gambling. The following are often contributory factors:Gambling can be thrilling, leading to an adrenalin rush and feelings that we want to recreate time and again.Many addictive gamblers think that they can win money and that this will solve all their other problems. It actually just leads to more problems by creating debt, which can then make it seem even more important to win the money, creating a vicious circle.Addiction to gambling can actually be a mental disorder, which can lead to a compulsive need to gamble.

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Being addicted to online gambling is often associated with other personal difficulties, including depression and stress.Online Gambling Debts – The Warning Signs You may have a problem if you can answer yes to any of the following questions:When you are not gambling, do you think about gambling and how you are going to get back to it?Have you ever missed work because of online gambling?Do you feel the need to gamble again after winning or losing?Is the length of time you spend on gambling getting longer and have you ever spent longer online than you thought you had?Are you secretive about your gambling with family or friends and do you dislike other people bringing it up?Practical Steps To Tackle Online Gambling Addiction If you think you may have a problem with online gambling, here are a few simple steps you can take to begin to reduce or stop the habit:Be open with friends and family and seek help with the problem.Cancel any accounts you have with websites for online gambling.Consider using software that blocks your access to online gambling websites.Keep a proper, ongoing record of everything you spend – take steps to bring home the fact that the money you are using is real.

The Basics of Direct Mail Lists

October 17, 2016

Direct mail lists provide opportunities for businesses to acquire, retain and create loyal customers. Yet which lists are typically the best performing lists? How do you go about finding mailing lists? And once you’ve found a list, how do you know if your investment paid off?Direct Mail List BasicsDirect mail lists generally fall into three categories:
Company owned lists: These are direct mail (or email) lists that you’ve created on your own. Many online business include an opt-in box on their website so that customers and visitors can choose to provide their email address in exchange for information, news, white papers and other gifts. Companies can also create their own “house lists” as such lists are called by using records of previous purchases and leads to create a basic mailing list. For direct mail, you can use physical addresses without tacit permission. For email marketing, always use an opt-in method and only conduct permission-based marketing to avoid getting branded as a spammer.
Response lists: Response lists are rented by companies that specialize in mailing lists, called list brokers. Such a list is based on past purchasing or response behavior and may include catalog mailing lists, direct mail or direct television buyers, or magazine subscribers. Many companies make money by renting their list out to other companies. The idea behind using such a list is that past purchasing behavior is the best indicator of future purchasing behavior. In other words, if someone responded to a direct TV ad for jewelry, chances are better that they’ll respond to another offer for jewelry. List brokers often add additional selections for an extra fee, such as 3 month buyers. This allows you to target people who have recently bought such an item. Again, based on years of data from many industries, these are people most likely to respond again to similar offers, which is why direct marketers seek out such lists.
Compiled lists: Compiled lists are created or compiled from public records. Such lists used to be based on DMV records but now are mainly typed into computers directly from telephone books. Sometimes public data such as census data is appended to the list, providing some ability to sort by income and other factors from census data. Compiled lists are the least expensive but also the least likely to respond to specific offers. Going back to the jewelry example, you may rent a compiled list of people living in a high income zip code, thinking that they are likely to buy jewelry from a direct mail order catalog. But you have no way of knowing from the compiled list if such people are comfortable shopping online, by phone or from a catalog. A response list indicates that in the past, such consumers have done so – and are more likely to do so again.

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There are general list brokers who offer a wide range of mailing lists and specialist such as Market Data Retrieval that focus solely on industry, such as education in the MDR example. Ask colleagues for the best list brokers in your industry.Renting Mailing ListsOnce you’ve found a company offering lists, search their catalog or talk to a list broker on the phone. Share your ideal client profile; who are you targeting? The list brokers will suggest several lists and email or fax you data cards. Such cards provide the facts about the list: who is renting it, whether it is compiled or response, and data selects available. Data selects are optional methods to use a computer to narrow down the most likely prospects to respond to your offer. Select may include age, gender, products purchased, or recent shopping behavior.Lists have a base cost per thousand. Typically list companies will not rent fewer than 10,000 records, so take the cost per thousand records, multiple that by 10, and that gives you the minimum amount of money you will have to spend on a list. There may be additional charges added on for various selections or to actually generate the list from the computer.Make sure that the list has been updated recently. Good list companies run their lists through several databases obtained from the Direct Marketing Association and the US Post Office. These include removing the names of deceased persons, updating lists with the new addresses of people who have moved, and suppressing (removing) people who have requested to be on the “Do Not Mail” list or preference list from the Direct Marketing Association. All of this may add costs at the beginning of a list rental process, but think about the money wasted mailing pieces to people who cannot respond. If they’ve moved, died, or hate junk mail, why mail to them in the first place? You’re spending money on the creative design, the printing, the mailing house costs and postage, so save the money and don’t mail to those people.Testing and Use of Direct Mail ListsAlthough the minimum amount of names on n a typical direct mail list rental is around 5,000 to 10,000 names, many companies will allow you to rent a smaller segment for testing. Be sure to code your direct mail pieces with a unique phone number, source code or another method to track responses so you can see which list performed the best.

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Mailing lists are rented for one time use or multiple, unlimited uses. You’ll be asked up front to specify which use you intend and most companies ask for a sample mail piece. One of the most frequently asked questions people new to direct mail ask me is, “Why can’t I just pay for one time use and then reuse the list, since most lists are provided electronically nowadays?” The answer is simple: you will be caught! Mailing list companies include addresses called “seeds” on their list which look to you and me like just any other name on the list, but actually go back to the company or to someone employed by the company to monitor the list. If you’re caught using a mailing list more times than you paid for it, you are subject to legal prosecution, fines or both. It’s not pretty. Don’t do it.Direct Mail in Today’s MarketDirect mail has been around since the late 1800′s when catalogs opened a world of new goods to rural Americans. Although a large number of consumers have moved their shopping online, many still prefer to look at an old-fashioned catalog before buying. Direct mail can entice and invite consumers to visit a website to order. A good mix of old-fashioned direct mail marketing, postcard marketing, and a robust website with search engine optimization techniques in mind is a winning combination to acquire, retain and create loyal customers – and make money in the process.Get Marketing Help – Fast

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

August 8, 2016

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

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

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

Free Internet Marketing Software Keyword Generator

October 1, 2016

As you begin your search for new free internet marketing software and free keyword generator programs there are certain things that you must do to maximize your efforts. Remember that time is your most valuable commodity as an internet marketer and simply put we as marketers do not have time to waste looking at, reading about and testing new software programs that offer the following;1.) Trial Use2.) Limited Use3.) Timed Use4.) Demo Only5.) Light VersionI’m sure that from time to time you will find a truly wonderful program that defies all of the odds, but let’s look at this from a practical point of view here. How much time was spent getting to the point where you found that software program? Was it really worth all the hassles? More often than not I’m sure that you’ll agree that it would be better if you could simply find a website that reviewed these so called “free internet marketing software programs” and “free keyword generators”. And of course finding such a site that also offered a blog or forum for viewer comments would be even better.To prove this let’s do a brief study on free internet marketing software and high quality free keyword generators. For the sake of argument let’s run a search on Google for a “free keyword generator”.Case Study #1:Free Keyword List Generator by Stomper Net – My first thoughts were WOW another GREAT free or low cost promotional tool being offered by Stomper Net! Then I realized that I had to sign up for their email list AGAIN and register to use the tool. Once I’d jumped through these initial proverbial hoops I was shocked to find that I’d overlooked the fact that this software uses Word Tracker Keywords.

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This means that my software would need to be upgraded to unlock it’s full potential, which of course would cost money. Worse than that I might need to sign up for the Word Tracker Keywords program and that means I could possibly end up paying for a monthly or annual subscription to their service.* Before I offend anyone I do realize that Stomper Net and the Word Tracker Keyword program are both well respected staples in the internet marketing niche. However, in this case it is my goal to help people find completely FREE full version internet marketing software and keyword generator software that they can use to promote their products, services and affiliate programs with.Case Study #2:Good Keywords – At first site their website looks very well organized and professional. They offer free full version keyword research tools and keyword generator software that looks like it will do exactly what we’ve all be looking for. At one time this may have been a state of the art program back when Yahoo’s Overture worked reliably on a consistent basis.The problem with this free internet marketing software group is that it is completely reliant on a program that is so over used that the mere traffic to the Yahoo Overture website alone bogs down their system so badly that you’re lucky if you can even get their website pages to load from one visit to the next.* Also sadly in this internet marketer’s humble opinion the results that are pulled with the free Yahoo Overture tool has proven to be unreliable and unstable at best. Again, I don’t mean to offend anyone and I’m sure that at one time this was a GREAT program, but there are newer and better things.Case Study #3:Global Promoter – The first thing I noticed on their website was this;”Please be patient. This may take up to 2 minutes because it compiles the results of 6 major search engines. Sometimes no results are returned even though there are queries performed on the keywords you typed in during the given month. If this occurs, just hit submit again until the correct results are returned.”In theory this looks GREAT if they’re really using this free internet marketing software program, or in this case, free keyword generator software, to search on SIX major search engines! However, what I found next really bothered me.
“No Searches Done in March 2008 on the Overture network of search engines for your keyword.”This only left me thinking that there I was again using a program that was completely reliant on Yahoo’s Overture, which again in my humble opinion was outdated, unreliable and inconsistent.Case Study #4:Google AdWords Free Keyword Generator Tool – With this free internet marketing software program I thought that I’d finally struck oil. After all no website is more revered, searched and used online for things of this nature than the mighty Google themselves! With that in mind I typed in my favorite set of keyword search terms;”free internet marketing software”Unfortunately the results that were returned consisted of 3 targeted keyword phrases and 11 other keyword phrases that had NOTHING to do with any form of internet marketing software.Case Study #5:Traffic Zap’s Free Keyword Generator – Let me cut this one short by telling you that when I tried to use it the first thing I got was a POP UP with something that looked mildly semi-pornographic. It then appeared to be processing for some time only to return an error message that once again leads back to problems that we’ve already discussed regarding the long list of free internet marketing software programs that rely on Yahoo’s Overture.

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At this point we’ve researched ALL of the top 5 unique listings on Google for “free keyword generator” and we have yet to find a truly reliable free internet marketing software program that we can use to promote our products, services or affiliate marketing programs…..other than ones that we would most likely have to PAY to upgrade, such as the program by Stomper Net mentioned above.Final Case Study:Free Keyword Generator by IM Software 4 Free – This program checks for a list of popular keywords by searching on Google, Yahoo and MSN combined to come up with a more complete starting point for internet marketers to use. It also runs a search on these 3 major search engines to find out how many competitor posts show up for each of the chosen keywords.While no free internet marketing software or free keyword generator is going to be perfect this tool is truly a GREAT program to use and best of all it’s completely FREE to download and use. There is no trial use, limited use, timed use, demo or light version that leads to a paid upgrade or leaves you out hanging in the wind to PAY if you want to use the software after a specific time frame.

Help For the Partners of Sex Addicts

October 26, 2016

Frequently Asked Questions (FAQ’s)· What is sex addiction?Sex addiction is an obsessive relationship to sexual thoughts, fantasies or activities that an individual continues to engage in despite adverse consequences. These thoughts, fantasies or activities occupy a disproportionate amount of “psychic space”, resulting in an imbalance in the person’s overall functioning in important areas of life, such as work and marriage. Distress, shame and guilt about the behaviors erode the addict’s already weak self-esteem.Sexual addiction can be conceptualized as an intimacy disorder manifested as a compulsive cycle of preoccupation, ritualization, sexual behavior, and despair. Central to the disorder is the inability of the individual to adequately bond and attach in intimate relationships. The syndrome is rooted in early attachment failure with primary caregivers. It is a maladaptive a way to compensate for this early attachment failure. Addiction is a symbolic enactment of deeply entrenched unconscious dysfunctional relationships with self and others.While the definition of sex addiction is the same as that of other addictions, sexual compulsion is set apart from other addictions in that sex involves our innermost unconscious wishes, needs, fantasies, fears and conflicts.Like other addictions, it is relapse prone.· How do I know if my partner is a sex addict?Sometimes, it’s difficult to know whether someone close to you has an addiction. The addict might hide the addictive behavior or you might not know the warning signs or symptoms.Here are some of the signs and symptoms:* Staying up late to watch television or surf the Web.* Looking at pornographic material such as magazines, books, videos and clothing catalogs.* Frequently isolating themselves from spouses or partners, and doesn’t inform them of their whereabouts.* Are controlling during sexual activity or have frequent mood swings before or after sex.* Are demanding about sex, especially regarding time and place.* Gets angry if someone shows concern about a problem with pornography* Offers no appropriate communication during sex* Lacks intimacy before, during and after sex, and offers little or no genuine intimacy in the relationship* Does not want to socialize with others, especially peers who might intimidate them* Fails to account for increasing number of toll – 800 or 900 – calls* Frequently rents pornographic videotapes* Seems to be preoccupied in public with everything around them* Has tried to switch to other forms of pornography to show a lack of dependency on one kind; concoct rules to cut down but doesn’t adhere to them* Feels depressed* Is increasingly dishonest* Hides pornography at work or home* Lacks close friends of the same sex* Frequently uses sexual humor* Always has a good reason for looking at pornography (Psych Central.com).· Why can’t he/she control his/her sexual behavior?It’s important for you to know that your partner is not volitionally involved in these behaviors so you can begin to understand and, perhaps, forgive. Most addicts would stop if they could.It’s been said that of all the addictions, sex is the most difficult to manage. This syndrome is a complex mixture of biological, psychological, cultural, and family-of-origin issues, the combination of which creates impulses and urges that are virtually impossible to resist. Despite the fact that acting them out produces considerable long-term negative consequences, the addict simply cannot resist his/her impulses. Individuals who are highly disciplined, accomplished and able to direct the force of their will in other areas of life fall prey to sexual compulsion. More importantly, people who love and cherish their partners can still be enslaved by these irresistible urges.Research has also shown that the inability to control sexual impulses is associated with neurochemical imbalances in the norepinephrine, serotonin and dopamine systems. The use of certain anti-depressants (SSRI’s) has thus shown to be very effective in treating the impulse control problems of many sexual compulsives.Biological predisposition contributes and combines with psychological factors. One of the reasons the “erotic haze” is so compulsory is that it is an unconscious but maladaptive way to repair earlier disturbed, anxiety-laden relationships. It shores up an inadequate sense of self which results from these early-life interpersonal abandonments, intrusions and misattunements.This combination of biological and psychological factors results in an “affective disorder” in the sex addict. Feeling of depression, anxiety, boredom and emptiness are quickly alleviated by immersing oneself in an imaginary world that provides novelty, excitement, mystery and intense pleasure. Sex addiction is better than Prosac. It heals, it soothes, it contains, it provides a “safe place” free from the demands of actual performance, and it gives an illusory sense of belonging. The sense of empowerment in the illicit sex act rectifies “holes in the soul” and lifts the addict from feelings of inadequacy, insufficiency, depression and emptiness into a state of instant euphoria.Relinquishing this very special (but delusional) mental and physical state can result in a sense of withdrawal which may include mood swings, inability to concentrate and irritability. These symptoms usually disappear in therapy as the sense of self is solidified and he finds more creative ways to deal with uncomfortable feelings.· What are the effects of cybersex addiction on the relationship?Effects of sex addiction on the sex addict’s partner can be numerous, encompassing a wide range of emotions and reactive behaviors. The sexual codependent’s experience is similar to, but not thoroughly identical to, a codependent person in a relationship with a substance abuser. A codependent partner of a drug addict or alcohol, for example, may manage to understand and even sympathize with her partner’s alcohol problem due to the lesser social condemnation.But a compulsive addiction that involves engaging in sexual activities on the computer or outside of the home inflicts a psychic injury of ultimate betrayal. Sexuality goes to the heart of who we are.Arguable, one purpose and outcome of cybersex is to detach and disconnect sexual experience from real relationships in life. Cybersex’s primary stimulus to autoerotic behavior produces profound disconnection of the sexual experience from relationship context and meaning. Compulsive viewing of pornography, for instance, in no way supports or fosters intimate, attachment-linked sexual gratification, anchored in emotional connection, intimate responsiveness and relationship fidelity.Cybersex addiction reinforces a non-intimate, non-relational, and non-demanding sexual experience — a detached, disconnected physical arousal geared to the self-engrossed preoccupation typical of addictive sexual behavior. Cybersex entrenches emotional, psychological and spiritual/existential disconnection of sexuality from relationship context. Entrance into the “erotic haze” that encompasses the sex addict induces sexual arousal, climax and resolution without real relationship attentiveness, responsiveness, or commitment – the key dimensions of a loving attachment.The behavior directly undermines trust in the couple’s relationship. Thus, the sexual dynamics depicted in cybersex are inherently detrimental and destructive to secure attachment that is essential to a sense of trust in the relationship.It is also reasonably anticipated that a husband’s deception and lying – the existence of a “secret world” apart from the primary relationship is an overlapping, yet also separate detrimental influence upon relationship trust.For some women, this lack of trust in their husband’s word – leads to uncertainty about the “substance” of the man they married, uncertainty about his true identity and a change in their perception of his identity – that of seeing him as fundamentally untrustworthy and of disreputable character. Thus, their internal model of their husband changes.Others may feel that the husband is unable to fulfill marital expectations of emotional intimacy and companionship. They talk about not trusting that their husband would fulfill the role of being someone who could provide emotional support. They feel unable to turn to their husbands for this emotional support for different reasons: fearing she would trigger a relapse; feeling rejected because of his involvement in computer sex; sensing her husband’s inability to provide emotional support; being shamed by a husband’s angry or dismissive response from her attempts to reach out for support and companionship; or resolving that her husband was emotionally preoccupied with his own struggle with addiction.The addict’s use of cybersex causes self doubt and lowered self esteem in the spouse. These women feel they aren’t pretty enough or skinny enough, or whatever. In any event, the feel that they are not what their husbands want. Some feel that if they were more sexually desirable, he wouldn’t have this problem. Sometimes, in a frantic effort to compete with unreal women on the internet or with prostitutes, they go to extremes with cosmetic surgery, breast implantation, excessive exercise – in the mistaken belief that if she can lure him back sexually and her husband would stop being interested in pornography and the marriage could be redeemed.Some spouses feel that her husband’s use of internet pornography is a direct attack on her self-worth. They start doubting themselves. They doubt their self-worth. They start doubting the things that used to make them feel special and meaningful. Because if she had any meaning, why was he doing what he’s doing?The wife is often stunned, confused, and in extreme pain upon discovery of the sexual/cybersex addiction. Anger and resentment can be overwhelming. For many partners, the addict’s betrayal can precipitate trauma that resembles post-traumatic stress disorder.A wife can believe that sex is the most important way to express love, so her partner’s sexual acting out can leave her feeling deeply inadequate and unlovable.Within the union, the partner’s low self-esteem can contribute to anxiety and fear of being abandoned. Often she will set aside her moral values and tolerates participating in sexual behaviors with her partner which are unacceptable or even repugnant to her. She feels too unworthy to have solid sexual boundaries. She mistakenly believes that she can stop his acting out if she satisfies his (insatiable and unrealistic) sexual needs.A surprisingly common effect reported by many partners – after the shock of discovery -is the feeling of losing one’s mind. Obsessing about the details of the sex addict’s betrayal, repeatedly confronting her partner with “evidence” of infidelity and being told she’s “crazy” or “just jealous” results in a loss of focus and an inability to concentrate. Fear and anger aggravate the condition. Furthermore, there is an element of intense shame for both addict and sexual codependent attached to sexual addiction, especially if his interests involve an object, cross-dressing, dominance and submission or children. She isolates herself from friends, family and community due to her shame, which provides fertile ground for depression. In some situations, the partner is brought to a point of absolute despair.Some maladaptive strategic responses the sexual codependent may engage in as a means of coping include excessive alcohol consumption, food binges, excessive house cleaning, and overtime career activity; acts that can serve as distractions from her distrust, pain and hostility. Distractions, of course, provide only a temporary and false “relief” and often create more problems than they solve.When the partner’s anger and resentment are suppressed over a period of time, they eventually explode in a volcano of rage, blame, and furious criticism of the sex addict.The explosion of frustrated emotions can open a door to enormous guilt and remorse, so the partner may forgive the addict’s offenses and not stand clear in setting boundaries for herself. The result is an unfortunate snare for the couple, in which the partner unwittingly enables the sex addict to carry on with his unacceptable pattern of sexual acting out.The converse is true regarding the emotional influences on the wife. She may turn inward, withdraw, stay silent and distant. This can include withdrawing from any sexual activity with the addict. These stonewalling behaviors can ignite strong feelings of shame and rejection in the sex addict. In a way, the partner succeeds in punishing the sex addict through these behaviors. But the price of this punishment may be a return to his active addiction as a way to deal with conflict at home.A tremendously debilitating effect on the partner is to assume all responsibility for the addict’s sexual acting out, and even for all of the problems in the relationship. The sex addict may exploit this to his advantage, perpetuating self-doubt within the partner.For example, the partner may confront her spouse with evidence of a transgression, like a credit card charge to a hotel, but the sex addict is skillful and experienced in deception. He will boldly challenge the partner’s credibility, suggesting she see a “shrink” for being so paranoid and suspicious of him. He can persuasively feign righteous indignation, causing his partner to distrust her own instincts and perceptions, even in the face of tangible evidence.The self doubt can plague the partner, aggravating her confusion and contributing to the feeling of “losing my mind”. Not wanting to continue to feel “crazy”, she may retreat into denial, the basic and most fundamental defense mechanism for both partner and addict. When in denial, she will believe the addict’s lies, however far-fetched they may be. She will accept the unacceptable. Whichever lies the sex addict offers to cover up his addiction, she is compelled to “not rock the boat” in order to assuage her abandonment fears.· What are the characteristics of a sexual codependent?Firstly, let’s consider what codependency is. Codependency is an overworked and overused word and definitions can be confusing. At core, it revolves around a deep fear of losing the approval and presence of the “other”. This underlying fear can result in manipulative behaviors that overfocus on maintaining another person’s presence and approval. Control, obsequiousness, anger, caretaking, and being over-responsible are among the behaviors that can be the manifestations of codependent behavior. Because of dysfunctional family-of-origin issues, codependents learn to react rather than respond to others, take responsibility for others, worry about others, and depend on others to make them feel useful or alive.Codependence also refers to the way events from childhood unconsciously produces attitudes and behaviors that propel people into destructive relationships in the present. The self worth of the codependent comes from external sources. They need other people to give them feelings of self-worth. Codependence is a particular relationship with one’s self in which the person doesn’t trust his or her own experiences. Lacking the inner boundaries necessary to be aware of and express their true wants, feelings, goals and opinions, they are “other-validating”. Having only a reflected sense of self, they constantly seek affirmation and validation from other people because they are unable to endorse and validate from within. “Self-validating” people are able to do this. Co-dependents often focus on an addict’s sobriety as a way to achieve a precarious sense of self- consolidation. Sadly, their behavior often perpetuates the loved one’s addiction.Codependent people believe they can’t survive without their partners and will do anything they can do to stay in the relationship, however painful. The fear of losing their partners and being abandoned (once again) overpowers her ability to make decisions in her own best interests. The thought of addressing the partner’s addiction can be terrifying: they may be frightened of igniting the partner’s anger which can result in feeling emotionally flooded by (childhood) fears of loss.The sexual co-dependent suffers from additional symptoms: driven by the potential loss of the relationship, which she sees as identical with her very identity, some women engage in sexual activities with their partners that they find distasteful or even morally repugnant – all in an effort to keep him home and happy. However, this type of fantasy-based acting out may not be based on her real sexual needs and desires and opens the way to turning his partner into yet another object. Certain kinds of sexual acting out can turn sex into another fix for him. The partner senses this, making her sense of sexual betrayal even more poignant.In couples where one partner is ciphering off his erotic energies from the primary relationship, there are invariably problems with the couple’s own sexual expressiveness. He becomes sexually demanding. She expresses her resentment about this by not being sexually responsive. He may lose erotic interest in her, as she never lives up to the thrill of fantasy-based sexual enactments. The sense of having a person-related, intimate sexual encounter may diminish. Erotic expression between the couple can easily dry up, leaving the sexual co-addict feeling even more diminished as a woman and as a person.Sexual co-dependents have an inordinate need to get the information straight. “Detectiving” is a common activity: checking his computer, looking up names and numbers, or desperately looking for scraps of paper with numbers written on them. One client even invited a prostitute her spouse had frequented into her home because she wanted to know the details. The need-to-know provides the partner with a way to check up on her own reality (“Am I crazy or is this really happening?”) and provides her with a sense of much-needed (although illusory) sense of mastery over an out-of-control situation. Especially in light of the addict’s continual denial, the co-addict has a need to provide “evidence” to ensure her soundness of mind — a ploy that rarely works and is exceedingly exhausting.The final distinction between sexual co-addicts and other co-dependents is the shame associated with this “secret”. Sex as an addiction is rarely discussed in “polite society” and there is a huge social stamina associated with it. Sexually addicted clients often tell me that they’d rather be alcoholics or drug addicts. The stigmatization of this compulsion almost ensures that the sexual co-dependent will want to hide or to provide a good “front” to deal with feelings of shame and despair. She may become socially isolated because she can’t discuss the situation with friends. Depression easily enters into an emotional environment of isolation and shame. Keeping secrets about important dimensions of life ensure that the issues underlying them will not be healed.· What’s involved in therapy for someone who is the partner of a sex addict?There is hope. The pain the sexual co-dependent experiences is normal. Learning a partner is sexually addicted can be devastating and debilitating. The betrayal triggers a myriad of strong emotions. Feelings of anguish, despair, rage, hopelessness and shame may overtake her. She may feel alone in unchartered territory, wondering “Where do I go from here?”Psychotherapy is extremely important. Be sure to find a therapist conversant with these issues. What should happen in your therapy?Treatment for sexual codependence can become a process of continued growth, self-realization and self-transformation. Working through feelings of victimization can lead to a new sense of resiliency. Going through this process can be an avenue to discovering meaning and to building stronger self-esteem. Challenges faced can elevate one to a higher level of well-being. A sense of serenity and peace from the appreciation of having worked through this process may occur.Lessons not learned in the family-of-origin can be now be learned and worked through: appropriate self-esteem, setting functional boundaries, awareness of, acknowledgment of and expression of one’s personal reality without undo fear of retaliation, and taking better care of one’s adult needs and wants while allowing other adults to take care of theirs are all potential gains to be made in therapy and recovery.Internal and external boundaries will be strengthened. Strong external boundaries will ensure that you will not again put yourself into a victim role. A sense of having internal boundaries will open up new avenues of healthy intimacy as you will know who you are and be able to hear who another is. At the heart of healthy intimacy is the ability to share your real self with another and be available when someone else shares his real self with you.The sexual co-depenent may find she no longer needs to bend herself into a pretzel to accommodate others. Rejection or disapproval may be unpleasant, but not devastating. Compromising personal integrity in order to get external approval and validation will cease. With increased self-knowledge comes the ability to Self-validate while still being in a relationship. Self esteem will be generated by her behaviors rather than the approval or validation from others.Finally, time and energy spent on preoccupation and control of the addict can be used to attend to emotional support for the children, to recommit to and obtain increased satisfaction from work, to meet new people, and to develop new recreational activities.· How can I possibly forgive him?Despite the fact that it may seem impossible, forgiveness is a critical part of recovery for the partner of a sex addict. To forgive is not to forget. Forgiving means being able to remember the past without experiencing the pain all over again. It is remembering — but attaching different feelings about the events, and it is a willingness to allow the pain to have decreased relevance over time. Understanding the pain, compulsion and despair that the sex addict has undergone from sexual compulsion can open avenues to compassion.To forgive is important primarily for oneself, not for the person one forgives. The opposite of forgiveness is resentment. When we resent, we experience the pain and anger all over again. Serenity and resentment cannot coexist.The process of forgiveness begins with acknowledging that a wrong has been done to you. You have to recognize that you have strong feelings about what happened and you need to feel and process those feelings. You are entitled to be angry or hurt. Ideally, you can share those feelings with the person who has hurt you in couples counseling. If that is not possible, then you can share the feelings with your therapist or support group. After that, you can choose whether to stay in a relationship with that person. In either case, forgiveness does not imply permission to continue hurtful behaviors. As part of your own treatment, you need to decide which behaviors you can accept in your relationships and which you cannot.The primary goal of forgiveness is to heal yourself. In a partnership affected by sexual addiction, forgiveness is aided by evidence of the partner’s changed behavior and commitment to treatment. These are also elements in rebuilding trust. For many couples, forgiving and learning to trust again go hand in hand. Both take time, making amends, continued treatment and steady, continual, trustworthy behavior on the part of the addict.After the acting out has stopped, it’s critical to not use his past behavior as a “hook” to punish or manipulate him. When a desire for revenge exists, you have not forgiven, and you see him in one dimension (“Bastard”). The capacity to see him as a whole person (he’s not just a sex addict, he’s many things) will help you move forward. Couples therapy will help you move toward a sense of him as a multidimensional person with on-going issues.· I’m incredibly frustrated that he/she won’t tell the truth. Even when I present “evidence”, he denies his sexual acting out. How can I ever trust a man who so blatantly lies to me?Sex addiction thrives in secrecy. Addicts will go to any length to protect their double life. Denial, (“Don’t Even Know I’m Lying”) plays a huge part in any addiction process. The reality of the acting out is protected from the conscious mind. If the addict is unaware of the truth, how can he tell you?The very thinking process of the addict becomes impaired as he becomes immersed in the denial process, giving way to the minimization of the extent of his behavior. This connects with “rationalization”: i.e. “I’m not really cheating” – “All guys do this” – “I’m not hurting anyone” – “I work hard so I deserve some pleasure.” This combination of denial, minimization and rationalization makes it extremely difficult for him to know the truth.More complexing is the phenomenon of “dissociation”, or “The Dr. Jekyll and Mr. Hyde” syndrome. Dissociation is a clinical process that characterizes multiple personality disorder. While I’m not saying the sex addicts have MPD, I am suggesting that some of the same characteristics of that disorder are shared. One side of the personality protects the other side from the truth. Some level of dissociation is in every man who has a “double life”. Each side of the personality has different values, goals, beliefs and needs that conflict with the other side.This is why, when the sexual acting out is finished, the addict feels so distressed and shameful. Mr. Hyde does the acting out and Dr. Jekyll experiences the remorse.When the addict is acting out, he has feelings of being disconnected from himself and his environment. Clients speak of “the bubble”, the “erotic haze”, “zoning out”, and “feeling apart from myself and watching myself from afar “, of feeling “foggy” or “not feeling like a real person” Losing track of time is common as is feeling outside oneself as both an observer and a participant. Emotions are numbed; the fantasy creates an alternate reality which obscures the truth of “what is”.Once in therapy, a primary issue that arises is a feeling of a fragmented sense of self or being unsure of his identity. Therapy will help him get to the bottom of hidden parts of himself that he may not have fully understood or been able to control until treatment starts to work. Only by getting in touch with hidden parts of himself will the full realization of his talents and strengths be realized and fulfillment in his personal relationships can begin to unfold.· I don’t see how our relationship can survive the emotional pain and chaos of his sexual addiction. Have other couples been able to work through these issues? How have they done it?When at least one member of a couple is sexually addicted, restoring trust and building intimacy can be very difficult. These couples must work as hard on their recovery together as a couple as they do on their individual recoveries.One of the great challenges to recovery from sexual compulsivity is restoring or building an intimate relationship with a committed partner. Many existing relationships are seriously impaired and often don’t survive because of sexual acting out. The partner of the sex addict’s ability to trust is obviously damaged. The psychodynamic and behavioral issues underlying sexual addiction contribute to obstacles to overcoming and building intimate and committed relationships.The good news is that we have seen from our experience that not only is it possible to repair, rebuild, or newly build a committed relationship, but the level of emotional and physical intimacy that comes from working on these issues together is sustaining, gratifying and growth-producing for each member of the couple.· How can couples counseling help us?Most couples who come for couples therapy after discovery are in a high state of reactivity, with communication being limited to blame/defense. There is a high degree of projection (seeing the things you like least about yourself in your partner) and a small degree of self-focus. The tendency is to react immediately and emotionally, with no time given for reflective thinking. One task of the therapist is to create a safe, non-volatile space by gradually guiding each person to commit to self-focus which reduces blame and defense.The therapist will do some psychoeducational pieces on sex addiction and co-addiction to normalize each person’s feelings and further reduce blame. Nothing can be done about the quality of the marriage unless each person commits to a personal program of recovery: an “S” meeting for the addict, and COSA or S-Anon for the co-addict. The couple can come out of the shadow of shame about living with sex addiction through identifying with others who have gone through similar experiences. Here, finally, they find people they can talk to about what they’ve been hiding from family and friends. Regular attendance at meetings gives structure and accountability to the life of the sex addict. A co-addict who works on the steps with a trusted sponsor is renewing her commitment to focus on herself and her own issues, renouncing her focus and pre-occupation with the addict.Sex addicts and sexual codependents usually have never experienced healthy bonding with and nurturing from their parents. This impairs their ability to have successful bonding and separation in subsequent relationships in adult life. The therapist might construct a “genogram” which is a graphic depiction of three generations of each person’s family. It shows psychiatric and physical problems throughout the generations such as alcoholism, divorce, hospitalizations,etc. The genogram also reveals the quality of family relationships, indicating where there was enmeshment and where there was distancing. With a clear understanding of family-of-origin issues, the couple can understand themselves and each other and develop awareness of what triggers are coming from the past.Couples counseling enables the couple to reach a point of mutual interdependence in which both partners have lives outside of the relationship, but also feel committed to it. The partners need each other, but are comfortable with independent lives of their own. Over time, each develops a new sense of “Self”-in relationship.Both members of the relationship are encouraged to accept mutual responsibility for the dysfunction in the relationship. As long as one partner is blaming the other for all of their couple problems, progress will be slow. Recounting the history of the relationship will be a part of this process. How have each other’s addictions and co-addictions affected the relationship? What consequences have been experienced? What strategies have the partners tried to heal themselves that haven’t worked? What are the repetitive arguments and fights? What is the nature of the collective shame in the relationship? How does each partner trigger the other’s issues?Each individual in the couple learns how to exchange instant gratification for the joy of ongoing intimacy. Sexual addict/codependents find that this intimacy and the trust, mutual understanding, and the emotional/spiritual/physical closeness it creates from having done the work can be qualities that few couples ever experience.