Phono stage -€“ better sound from your records

There are more and more components to sound systems constantly being developed, as speakers and hi-fis are becoming more up-to-date. But at the end of the day, some people still want to utilise the old-fashioned devices, such as tape decks or vinyl players. Reconciling these types of music players with the most up-to-date digital music equipment can be very complicated, as any vinyl junkie will tell you. Many people simply give up on playing the collections they may have spent decades building up, and instead buy new versions of all their music. However, there is a solution to this difficulty: a phono preamp (otherwise known as a phono amp or phono stage) can convert the output from a vinyl turntable into a sound you can play on the most modern speakers.

Vinyl is often thought of as the real ‘problem format’ for old music lovers. Most of the devices which are generally connected to a stereo system or speakers, though they can work less well than the most modern sound systems, will give a satisfying sound. But vinyl records work with a far smaller output, as they use magnetic cartridges. Vinyl records just can’t be played without an artificial amplification – and that’s where phono preamps enter the stage.

The phono amp is an additional amplification stage, usually built into older receivers and amps. But modern sound systems, such as mini-systems, home theatre units, and most stereo systems, do not have a place for phono input; they really don’t cater for vinyl lovers, instead choosing to play music through the newer systems. This means that you’ll have to turn to the existing inputs within your sound systems (the CD, Aux, Line In, etc) to connect your vinyl turntable, with the help of a phono stage to reconcile the two points. This amplification is known as RIAA re-equalisation, as it removes the effect originally made when cutting the LP, ‘equalisation.’ This effect was useful back then to get rid of feedback and background noise, but it interferes with vinyl being played with modern speakers now.

A phono amp can be found in most electrical shops, and when wired up between the turntable and the speaker or stereo system, should allow you to enjoy the vinyl records that you’ve collected over the years, with minimal hassle. So if you know anyone who’s concerned about the problems of playing vinyl records with decent modern speakers, let them know that all they need is a phono stage; the phono amp, when added to the amplification inside decent speakers, will let your vinyl play as clearly as ever.

Please visit http://www.whestaudio.co.uk/ for further information about this topic.

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Cash Genie: payday and quick loans

Cash Genie is a company that offers small loans to borrowers who need a bit of extra money to get through unexpected expenses. The idea behind them is that, when life throws you a curve ball, you have somewhere to try to find the money to get through it. What they don’t do is offer long-term loan facilities; that’s the place of other organisations and, in any case, they are not the best option for this – their rates are designed for the short-term market, which means that they would be too expensive if you tried rolling the loan over for several months or years, as you’d expect a normal loan from a bank to do.

Cash Genie generally offers amounts of between £75 and £750 for a period of just one month. The cost for this is 30 percent – meaning that if you borrow £100, you would repay £130 a month later. Naturally, if you kept borrowing, this would snowball – the APR or annualised rate of interest on this basis would be 2339 percent. But the point is precisely not to keep borrowing: it’s to borrow once, when there are no other opportunities to find the money elsewhere, to get you out of trouble – and hopefully stay out of it. One comparison for looking at the interest rate is staying at a hotel. You might pay £50 or £100 for a night away somewhere, and not think too much of it (assuming the hotel was of reasonable quality). And it’s intended to be just that: a night, or a short time away. But if you think of it in annualised terms, the same stay would set you back up to £36,500 – obviously more than most people are willing to spend! In the same way, cash loans are supposed to be for a short period of time.

If you need to borrow money at short notice and can’t find it anywhere else, Cash Genie may be able to help. You’ll need to be over 18, own a debit card and earn at least £500 per month. The typical customer is in work but experiencing cash-flow problems; it makes sense for both parties that the borrower will be able to repay the money at the end of the month, since if not the company loses the money and the customer runs into further problems. Of course, you shouldn’t take on any kind of loan without careful thought first. One way of looking at it is, will the cost of not taking out the loan (in penalties, fines or lost services/earnings) be greater than the cost of the interest?

Please visit http://www.cashgenie.co.uk/ for further information about this topic.

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Suggestions for dealing with the stresses of social worker jobs

In recent years, social work jobs have become rather less popular as a career choice for school leavers, as a few high profile cases have drawn attention to the negative side of social services jobs.  Most notably, in the case of the tragic death of the infant known as Baby P, the social work team was landed by national newspapers with a significant amount of the blame for the events that lead to the child’s death.  However, the recent decision of the Sun newspaper to apologise unreservedly and pay undisclosed compensation to the social worker involved in the tragedy may give some hope to those who are worried about the effect of the press’s representation of the case on anybody considering social worker jobs.

Sylvia Henry, who was a social worker in Haringey, London for 23 years, was accused in articles published in the Sun of having been ‘grossly negligent’ in her handling of the Baby P case, and it was stated that  she was ‘thereby to blame for his appalling abuse and death’.  The newspaper had also alleged that Henry had shown no remorse for her failings, and had ducked responsibility for the child’s death.  The litigation disputed a series of articles published in the newspaper over four months from November 2008, which also stated that Henry was lazy and had often shown disregard for the safety of children.  As anybody who is employed within social services jobs tends to be motivated by a strong concern for the welfare of the children under their care, these allegations were surely extremely upsetting for Sylvia Henry.

The Sun also ran a ‘Justice for Baby P’ campaign, which named Henry and called for certain Harringey social services staff to be made redundant and barred from any future work with children.  The newspaper gathered 1.6 million signatures for its petition, which was taken to Downing Street.  After court proceedings between Henry and the newspaper, a spokesperson said that the Sun ‘unreservedly accepts that there is no justification for any of the allegations’, adding that she was not to blame in any way for anything done by the local services that may have contributed to baby Peter’s terrible abuse and death. Moreover, they accepted that she had done her very best for Peter, even making efforts to have him placed in foster care.

Many people with an interest in social work jobs have seen this decision as a positive move in terms of the tendency of the media to conduct witch-hunts against those in social services jobs in high profile cases such as this.  When a tragedy occurs, there is surely enough misery and heartbreak already, without having to drag those in social worker jobs through a professional and personal trial by the media.

Please visit http://www.socialworkandcarejobs.com/ for further information about this topic.

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Kickboxing London has venues galore

Kickboxing – or other striking and kicking-based martial arts – is something that most people will have seen in film at one time or another. Since Bruce Lee popularised martial arts in the 1970s, there has been a slew of martial arts flicks, including some absolute classics like Karate Kid and some of Jackie Chan’s offerings. Jean-Claude Van Damme has perhaps done the most to make known kickboxing itself, in the film of that name. But the kickboxing London offers usually differs from what you will view on the screen. A sound kickboxing club will naturally teach you how to fight (or spar, as it is usually called), but there’s much more to it than that. In addition, the ethos tends to be very different from the kind of thing you will see on the big screen. The torturous, Karate Kid-style of instruction in the club depicted will certainly be absent (in the real world, that usually has insurance and legal implications…), although so will the mystical and arcane approach of Mr Miyagi.

What you can expect is a good workout and some proficient teaching whilst having fun with a bunch of other people who also want to learn to kickbox. That’s not to say that it won’t be tough work, but the best teachers will push you just far enough – out of your comfort zone, but not to the point of agony (don’t expect to hear those chilling words, ‘Finish him!’ uttered for real). You’ll work on strength, agility, flexibility and speed as well as basic punching, kicking, blocking and dodging techniques – as well as different self-defence moves in some instances. These may be drawn from kickboxing or possibly from another style – perhaps one that deals more with grappling, since a lot of attacks (strangles, grabs and so on) will happen close-to. (If you’re looking for a reference point, think more Steven Segal films than Bruce Lee.)

All of that makes kickboxing a great workout. Any given kickboxing club will have more or less of an emphasis on certain bits – some, for example, will major on competitive sparring, whereas others will look to teach you self-defence or have a focus on fitness. The great thing is that for kickboxing London has a huge number of classes, so you can look and ask around to find the one that suits you best – in terms of location, timing of sessions, and ethos. Check the web and ask friends for ideas.

Please visit http://www.zendokickboxing.com/ for further information about this topic.

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IT support London comes up trumps

When asked to list the most stressful aspects of everyday business management, most business managers will list IT issues amongst their top irritants. Computers crashing at important moments, networks failing as a deadline approaches, machines that should talk to each other but won’t. The list is familiar. The additional headache for small to medium businesses is that they may have either very limited on-site IT support or none at all. Luckily, if you need a different fix for computer support, London has a growing alternative solution. In fact, if you need an affordable solution to it support London is definitely the place to be.

Just as few of us service our cars any longer, good managers rarely have the time to stay on top of all the new technology on offer. It’s no surprise then that there is a growing market in freelance IT support. In the current climate, keeping overheads down is vital and parachuting in a technician on an occasional or emergency basis can prove to be a significant cost-saving over maintaining a full-time IT officer. London being the business hub that it is, the capital boasts a wide range of specialist IT support businesses which can offer many of the advantages of in-house support without the price tag.

Not every IT support business is of the same calibre, though, and it can be hard to differentiate. Key selling points to consider are whether an engineer or just an administrator will pick up the phone, as speed is often of the essence in high-pressure situations. Does your business need 24-hour coverage or business hours only? Is there an office fairly nearby should you need on-site support at short notice? These are all important considerations.

Many smaller operations will also benefit from a company who can recommend how your IT needs can best be met and what software and hardware to buy in order to avoid some of these headaches coming up in the first place. There’s so much out there, the market changes almost daily and you have so many better things to be doing with your time so using an independent consultant to research, source and install your IT kit makes a lot of sense. An independent outfit will also tend to recommend what’s right for your sector and business, rather than being tied to a particular software or hardware manufacturer who might not offer the best solutions for your niche or the best prices either.

These days, far more problems can be solved by remote access than before (FWCS IT support, for instance, reckon on solving 98% of faults over the phone) but if you need a technician to come in person to offer computer support London is, as for so many other business services, the best-placed for choice and quality of service. However, although in terms of buying in independent it support London excels, this concept is a trend which is growing fast across the UK and most major cities are starting to catch up in an effort not to be left behind.

Please visit http://www.fwcs.co.uk/ for further information about this topic.

http://www.fwcs.co.uk/

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Bacs software, its origins and uses

bacs, or Bankers’ Automated Clearing Services, is a United Kingdom scheme for the electronic processing of financial transactions.  Taking a normally fairly long-winded process and making it secure, reliable and very efficient, the bacs software revolution has proved extremely useful for many organisations.  Making bacs payments takes much of the hassle out of dealing with debits and credits, meaning that staff can devote more time to more important, skill-based tasks.

Bacs payments are particularly useful on account of their guaranteed efficiency in terms of speed.  A payment made through this method will take three working days to clear.  According to the method, they are entered into the system on the first day, processed on the second day, and cleared on the third.  Invented as far back as 1968, the technology was intended to facilitate the electronic transfer of funds between banks, and abolish the need for paper documents as part of the money transfer process.  The original company that set up the service was called ‘Bankers Automated Clearing Services Limited’.  This system was augmented in 1983 by the introduction of a telephone service, BACSTEL, which reduced the need for magnetic tapes.  The popularity of the system increased during the 1980s, and more banks and building societies joined in 1985, when the company shortened its name to ‘Bacs limited’.  Bacs Payment Schemes Limited split from Bacs Limited in 2003, creating a separate not-for-profit body with members from the banking industry which promoted the use of automated payment schemes and governs the rules of the scheme.

Since 2003, Bacs has been moving from the telephone dial-up service to an internet-based service, which is quicker and more secure.  All bacs users were at this point required to move to the internet service by 2005, or return to using cheques.  Currently, it is only possible to make a connection with software from the list of bacs-approved solution suppliers.  While it may sound like there are stringent requirements for the use of this technology, it is actually fairly simple to set up.  Once it is in place, the payments system is so straightforward that the installation effort is likely to be seen as worthwhile.

In fact, bacs is so efficient that many companies will assume that any monetary transfer will be done using bacs software.  Once you become accustomed to using bacs payments, your payments systems will be so efficient that you should never have to worry about a delayed money transfer ever again.

Please visit http://www.bottomline.co.uk/ for further information about this topic.

http://www.bottomline.co.uk/

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Short term loan availability for those in financial difficulty

Getting close to pay day can be a difficult business.  It often seems that more and more bills are having to be paid while the amount of money in the bank is decreasing rapidly.  For some people in this situation, the best way to make sure they can pay the bills is to find a short term loan until their next pay day.  There are a few companies which will provide you with a cash advance, and there are a few things to consider when choosing which one to opt for.  Some sited will offer instant loan approval, while others will focus on the speed of their service or their high approval rate.

These companies can be something of a minefield to the first-time borrower, so it is worth doing some careful research.  Pay day loans, or advances as they are sometimes called, are essentially a form of bridging loan to tide you over, as the name suggests, until your pay day.  Usually that is when the full loan plus interest has to be returned.  Some lenders will differ this or roll the loan over a second month, but it is advisable to be aware that the interest rate is generally quite high.  There are lenders who charge around £25 per £100 borrowed, which is worth knowing when deciding on the lender.  Pay day loan amounts usually range from £80 to £1,000; companies offering the service can generally give you an answer in minutes, and the money will be in your account in a day or two.

Pay day lenders who specialise in this do have some customer criteria, but the forms tend to be easy and not too detailed.  If you happen to have poor credit history then pay day loans may not lend to you, as they use credit reference agencies.  Generally, in order to receive a pay day loan you will need to be over 18 years old, in permanent employment and earning more than £750 per month.

This sort of short term loan can be used for anything, as long as you are happy with the repayment date.  As with any kind of cash advance though, it is vital to ask yourself ‘do I really need this?’ before you pay for your car repairs or get a new kitchen.  Sometimes the problem with instant loan approval is that it makes the lending process so quick that people are tempted to give insufficient consideration to the financial transaction they are entering into.

Please visit http://www.cashgenieloans.co.uk/ for further information about this topic.

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No need for a cash genie with the following tips

Being a sensible spender is a great way to make sure you don’t run into financial difficulties and start wishing you had a Cash Genie to help you out of a tricky situation.  There is nothing quite as frustrating as spending lots of money on something and then realising that it is not quite right, or you didn’t need in the first place.  Knowing your consumer rights can help make sure you don’t lose money by keeping hold of items you no longer need.  Arming yourself with the knowledge about how returns policies work is an easy way to save money.

If you end up with a purchase that you don’t want or need, make sure you take it back as swiftly as possible.  If you return it within four weeks you can usually get a full refund as you aren’t seen as having ‘accepted’ the goods.  After that time, you can probably only really expect exchange, repair or part refund.  If six months have passed, in order to return goods you will need to show that the goods were faulty when you bought them.

Unfortunately, if an item is the wrong size, you do not actually have the legal right to return it.  Many shops will allow you to exchange an item if this is the case, but they have no obligation to do so, unless they have an official returns policy that allows returns in these situations, as that would make it a contractual condition of sale that must be obeyed.  In addition, only the person ho has paid has a right to return unwanted goods.  This right can actually be transferred if the person who makes the purchase writes on the receipt that the item is a gift.

Buying items online can be confusing in terms of knowing one’s rights. You usually have more rights when you buy things online due to distance selling regulations.  This gives a legal right to send most purchases back within a week, for a full refund, even if there is no fault.  Online sales sites can therefore become a useful cash genie when you make an unwanted purchase.

Many of us have been in the situation when we return from a shopping spree with many heavy bags and severely lighter pockets, and it can be comforting for the over-zealous shopper to know that one does not need a Cash Genie to get them out of this situation.  If you do need to return purchases, knowing your legal position should mean that you get any refunds you do need without any hassle.

Please visit http://www.cashgenieblog.co.uk/ for further information about this topic.

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What do social work jobs look like in practice?

social work jobs come in numerous different shapes and forms, but they all involve generally the same thing. Social worker jobs entail working with those who are having difficulties in one form or another due to their exclusion from society, or position on the edges of it. That can mean a few things. Around a half of all social services jobs involve working with young people and families who are experiencing problems in different areas – often due to financial disadvantage, or reasons resulting from it.

The times most of us hear about social workers are when things have gone wrong and cases hit the news. These typically involve young children in abusive family settings – which is one field where social workers are certainly busy and may have to make extremely difficult calls about what is best for the welfare of the child. However, this ‘public face’ of social work is only one aspect of it. You may be working with young offenders – either within an institutional setting or outside of it – or with children who are often skipping school.

On the other hand, you might find yourself working with people with learning or physical disabilities – either young or adult – which mean that they cannot take part in life to the extent that the rest of us often take for granted. Those with drug and alcohol habits could be part of your caseload, and the other major group of people who you will spend time with are the elderly. Given the UK’s changing demographic and the fact that the ‘baby boom’ generation is just starting to retire, it’s reasonable to say that the elderly will probably form a greater part of social work in the future.

The duties entailed in social worker jobs are many and varied, but it’s important to remember that you won’t be working alone. By their nature social work jobs involve working with many different agencies, including health and legal services. Some of your time will be spent with clients, including families and children, aiming to establish their situation so that you can decide how best to help them. But social services jobs also involve plenty of meetings with other professionals and, of course, writing up reports and assessments – worth bearing in mind if office work and admin isn’t your forte.

Please visit http://www.sanctuarypersonnel.com/ for further information about this topic.

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Video conferencing has taken off in the corporate world, but is there a demand for this technology for personal use?

The uses of video conferencing in the business world are well documented, as the need for many businesses to communicate frequently with colleagues around the world grows increasingly in our modern day ‘global village’.  Telepresence video conferencing is so well developed that we can fairly accurately create the experience of a face to face conference with participants from Texas, Adelaide and Dublin all able to take part from the comfort of their own offices.  It seems interesting, though, that audio visual conferencing seems to be struggling to take hold of the personal communications market.  Although Skype is very popular for those who want to communicate with friends and relatives abroad, there seems to be very little demand for mobile telephones which allow us to see the person we are chatting to.

In its early days, video phone technology was very pricey, costing users about 90 dollars a month.  These days, however, modern technology has reduced the costs to next to nothing.  Webcams and highly advanced smart phones mean that cost is no longer a factor in discouraging people from using video conferencing. In its early days, many people thought that videotelephony would become ubiquitous, but it is still used fairly rarely.

This may in part be because videophone calling tends to be a poor substitute for real face to face conversation.  The conversation tends to be focussed around a video screen and a small camera, and participants tend to look at the screen rather than the camera, which prevents them from having direct eye-to-eye contact with each other.  Some have theorised that videotelephony may be less popular than expected because people actually prefer less direct communication. Texting, instant messaging and email are significantly more popular than video calling, which suggests that written conversations which can be executed at one’s convenience is, for most people, preferable to recreating the experience of face-to-face conversations.  Similarly, some people see video cameras as an intrusion.  ‘Why does my friend need to see what I am doing?’ ‘I don’t want to feel I have to look nice for a phone call,’ and ‘I don’t feel comfortable being watched’ are all common responses when people are asked about this kind of technology.

It does seem intriguing that video conferencing has proved so popular and effective in business, but most of us are reluctant to embrace it on a day to day basis. Perhaps telepresence video conferencing puts too much pressure on us to be fully involved in a conversation, when secretly we quite like to be able to do the gardening or cook dinner while chatting to our friends and family.  Audio visual conferencing does seem to be here to stay, though.  Perhaps we had better just get used to it.

Please visit http://www.edgevision.co.uk/ for further information about this topic.

http://www.edgevision.co.uk/

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