Smart Leadership in the 21st Century

Although we may claim that the world has gravitates from authoritarian rulership and that most countries in the world operate under a democratic ambience, but in certain parts of the world and over certain organisations preside some leaders who still lord over their followers without giving them a say at all in the affairs.

Every nation and society has its own leader, but what distinguishes the smart leaders in the world today from the bosses and the not-so-smart leaders? Consider the following traits.

The first trait of the smart leader in the 21st Century is that the leader has to EVOLVE. He should keep up with the times, with the latest techniques and updated information. Knowledge is power and the knowledgeable leader is not one that can be easily deceived or pushed about. The societies that use the most advanced methods in everyday life are the ones that lead the pack in today’s world.

In addition, the SMART leader is:

S- Simple/Straightforward: The good leader has to mean what he says, and say what he means. He must not be deceitful. His followers must be able to trust him and take his word for it in every circumstance. What he does not intend to do, he should determine not to say it. Also, the smart leader in this century must be a man of simple ways, words and lifestyle.
Gone are the days when leaders were marked by 100-foot billowy robes, with twenty servants carrying the clothes from behind. This can be tolerated from a bride in a wedding ceremony, but not from the world-class 21st Century leader. He should not live a complicated lifestyle or be unnecessarily extravagant. Simplicity does it these days.

M- Malleable: As mentioned earlier, the smart leader must be malleable, not rigid. He must be able to bend his views when it is necessary. He should be able to lower his standards when it is necessary.
Compromising your views at certain times is not a trait of the weak, but that of the intelligent. He should not insist on the status quo, or cling to ideas just because “that’s the norm here!” The norm is usually dumb. He must have a teachable heart that can learn new information at every opportunity. He must be malleable enough to learn from both young and old, rich and poor, male and female-anybody.

A- Accountable: Aha! Did the smart leader expect I won’t add this? It is inescapable for the smart leader to be accountable for all the human and other resources committed to his care. He must not be corrupt. Every penny in his administration must be accounted for. He must guard his citizens and his domain with the same intensity as well.

R- Resourceful: The leader must also be one with a limitless river of ideas constantly flowing for the betterment of his organisation. He must be very creative and actually SMART. As in, really intelligent. If a dumb leader is put over a domain, he will mismanage and diminish it. The leader must be able to multiply the little he has been committed with, and multiply it. He must commit to being constantly trained in order to further equip his intellectual arsenal.

T- Technology Literate: Finally, in this Internet Age, many wars are won or lost on social media. The smart leader in the 21st Century must be one who is very much versed in at least some high-tech devices. He must not be an illiterate with the computer or with the internet. He must make it a point of duty to learn the use of one new technological gadget every six months. That will set him apart and make him the man/woman to beat by the other leaders. He will find out pretty soon that he is a trail blazer in leadership. It does not matter whether he is presiding over a family or over an entire nation, such person will be a trail blazer.

Emmanuel Sokefun is a freelance article writer, in addition to being a novelist, poet, hymnist, songwriter and a lover of the academia.
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The 8 Questions You Must Ask Before Working With Any Business Credit Building Company

There are few business credit building companies out there, however, those that are out there are taking advantage of the lack of knowledge from the general public regarding business credit and how to get a business loan.

DON’T LET THEM RIP YOU OFF!

I’m going to try to show how to get unlimited capital for your business…

Without risking your personal assets, lowering your personal credit score, or damaging your personal credit history

These 8 Simple Questions will ensure Your Success Building Business Credit when looking for a Small Business Loan

There are simply too many people who hire business credit building companies that are not happy with the results. Before choosing another company, if you ask these 8 questions you will be assured that you will be working with a legitimate company who can help you build business credit and more importantly get the small business loan you seek. Getting that business loan is after all what you’re looking for, isn’t it?

Why is it so important to work with knowledgeable advisor? Why can’t you do it on your own? The Fair Credit Reporting Act does not apply to the business credit bureaus; this means that if you make a mistake, skip a step, try and take a short cut, your business credit file can be “Red Flagged.” This means your company is prohibited from receiving credit and perhaps that elusive business loan.

There is a proven step-by-step process that MUST be followed if you plan on properly building your business credit and getting working capital. If you don’t follow the proven process then you can be put into the “High Risk” category. When that happens, no lending institution will give you a cash advance or small business loan and there is nothing you can do to remove it.

Make sure to choose a honest credit building company that has the knowledge, experience and proven systems to support you, before you decide whom you will work with, make sure to ask them these 8 vital questions.

Question #1

Will I be obtaining only trade credit or CASH credit?

Be careful, there are a number of companies out there that will only help you obtain trade credit. Trade credit can only be used with the individual creditor, and nowhere else. This is great if you need $3000 of paper products, but is useless if you need payroll loans, inventory loans, or simply to cover business expenses or expand your company.

And if it is CASH credit, will I always need to personally guarantee the application?”

If the company says you will always have to personally guarantee all types of credit – then you are NOT receiving the full benefit of business credit. Keep in mind, the solution must introduce you to business funding services that will not require a personal guarantee, however these non traditional lenders will still be checking your personal credit and need your social security number. They do this to stay in banking compliance.

Question #2:

Will a trained coach show me, step by step, how to incorporate my business and build business credit with an eye to getting that merchant loan or business loan?

My guess is that if you wanted to figure out the intricacies of incorporating your business, and building corporate credit on your own… you would have already done so. (I’ve done it. And believe me… this is NOT stuff you want to muddle through on your own.)

So if you won’t be receiving step-by-step instructions supported by a trained credit coach, resulting in a predictable successful outcome, call another company. (I’ll spell out each step for securing business loans without traditional personal guarantees in crystal clear detail in a later article).

Question #3:

If I get stuck while I’m taking all those necessary steps, will I have to pay you hundreds or even thousands to help me figure it out?

Many companies charge low fees up front and continue to tack on heavy, additional charges each time you call or write for help.

Make sure they deliver everything you need to know to secure a bad credit business line of credit or high risk business loans, all without the traditional personal guarantee. Make sure you will have access to a dedicated coaching advisor and who places no limits on how often you can speak with them.

Question #4:

Will you have the ability to set up capital loans, and monitor the development of your business credit score with all major business credit agencies all within your coaching platform?

Why work with an advisor who is trying to blindly lead you!

Question #5:

When companies promise to get you cash credit, ask them this pointed question: “What type of paperwork is required to get cash lines of credit?

Beware of companies that say it is not required to furnish any financial statements, tax returns, business plans, bank statements, etc., to obtain a small business loan without a traditional personal guarantee. When it comes to getting approvals for cash advance without a traditional personal guarantee, you will need to show that your company is financially responsible and you do this by showing it earns revenue, pays its bills on time and has establish good business credit.

If the company tells you that you can obtain this type of financing without providing any real documents, don’t bother working with them, they are not being honest.

Think about it, is a lender really going to give you hundreds of thousand of dollars without a traditional personal guarantee without you having to show them that you are a “safe-risk?” Over time I will show you exactly what you need to do in order to become a safe risk and secure a small business loan.

Question #6:

How are your coaches paid?

This is a really important question! How would you like to work with someone that could care less if you obtain the business loan you desperately need? Think about it!

Question #7:

When it comes time to apply for a business loan, are you going to pass me off from lender to lender?

This is another very important question. Virtually every credit building company will, when it is time to apply for a business loan, pass you off to one lender to apply, and then tell you to go and apply at the next lender and so on. They literally end up sending you on a wild goose chase and just hope that one of the non traditional lenders can obtain capital loans for you. Does this sound like something a real business credit and financing expert would do?

Question #8:

What kind of a guarantee do you offer?”

It’s critical to get the specifics about guarantees. Because most companies that offer guarantees or promise only that your corporation will get a 80+ Paydex score. While this is a start, it’s not good enough –

If after completing your program, you should have:

Corporate Compliance and documentation review

D&B file and a D&B rating

D&B Paydex Score

Business credit file with Corporate Experian with an intelliscore

Business credit file with business Equifax with the appropriate business credit score.

Trade accounts and/or Vendor Accounts with and without a personal guarantee.

A Business Credit that can be used to leverage financing opportunities

This is not, by any means, a comprehensive list of all the questions entrepreneurs should ask when it comes to building corporate credit. But if you address these costly and dangerous errors, you will be on your way to building a safe, secure, and financially sound business-the business you always dreamed of!

Hopefully, these 8 questions will help ensure that you work with a credit building company that will be honest, upfront as well as help you successfully establish your business credit and leverage it into new small business loans and opportunities for your business.

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7 Tips to Prepare Your Vehicle for Winter

Windshield Wipers and Fluid – Fog, snow and rain will cut down your visibility in winter, causing you to use your wiper blades and washer fluid much more than normal. An antifreeze solution along with winter wiper blades will help to fight ice build-up. Keeping extra windshield washer solvent on hand is helpful too!

Battery – A thorough inspection of your battery, cables, terminals and fluid will help to make sure your car is ready for winter. The cold weather puts more stress on your battery. Many automotive parts stores will test your battery capacity free of charge.

Inspect Your Tires – If you’re not mounting winter tires on your vehicle, be sure to examine your current tires for remaining tread life, uneven wearing and cupping as well as checking the sidewalls for cuts and nicks to help you to know if your tires are ready for the harsh weather. The colder weather will also reduce the pressure within your tires, causing them to perform poorly in the snow. You should frequently check your tire pressures.

Coolant – Along with regulating the engine temperature, a vehicle’s coolant system is responsible for protecting your engine against corrosion. For the winter season you will want to make sure that you are using the right ratio of coolant to water in your system as well as using the right type of coolant for your car. If you are unsure, you can check the effectiveness of your coolant with a simple and inexpensive test found at any car parts store.

Ice scraper – Keep your ice scraper in your vehicle and always clean off your car completely, not just a little peephole in the windshield. You must be able to see all your surroundings, your side mirrors and through your back window. Snow on top of your car could slide down and cover your windshield while you are slowing down or fly off onto someone else’s vehicle while you are driving. In some states it is the law that your vehicle is clear of snow and ice.

Survival Kit – Especially during times of slick road conditions and below freezing temperatures, you will want to keep a survival kit in the car at all times in case of emergency. Some items to consider include extra gloves, boots and blankets, flares, tire chains, a flashlight and extra batteries, car charger or portable cellphone charger, and a whistle. Also check your spare tire and make sure that your car jack is in good, working condition.

Keep Your Gas Tank Above Half – If you get stuck or stranded, the car’s engine will be your only source of heat and you will want to be sure you have enough fuel to keep you warm. In some cases, it may be necessary to remove snow from behind the tailpipe and keep it unobstructed to prevent lethal gas from accumulating in the vehicle.

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The Benefits of Network Marketing – 3 Top Reasons Why Network Marketing Rocks

Let’s face it, there are a lot of mixed feelings when it comes to network marketing. Some people love it and some people hate it but in this article, we are going to talk about the 3 top reasons network marketing rocks.

Time Freedom

When you are a MLM professional, you are able to set your own hours. You can work when you want to work and shut your cell phone off whenever you choose not to work. You can spend time working on the beach or in any part of the world that you want since you have the ability to travel and still have your business.

Residual Income

Residual income is work you do something for once and then you just keep getting paid over and over again. Whenever you get team members and customers that are buying and selling products every single month, you have residual income and that is very powerful.

Leverage

Being able to build a team in network marketing enables you to build leverage. When one of your team members is working and you aren’t there, that is leverage. Being able to have something done when you are not there is what the goal is so the more leaders you help develop, the better.

As you can tell, network marketing has many great benefits and there are more that could be listed but these are the top three that always get me excited. Building a network marketing business to the top may not be easy but the rewards are plentiful. It is possible for anyone to be able to achieve their dreams with this amazing profession.

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Preparing Your Car for Winter

The Canadian winter season can considerably influence driving conditions. In situations like this, drivers are more prone to accidents. It’s critical to focus on cautious driving to protect yourself and keep your family. Safe driving also helps minimize your insurance rates while reducing wear and tear on your vehicle.

Here are a few checks that you can perform to ensure that you, your family and your vehicle remain safe over the winter months:

Take your auto in for a tune up before the first snow fall. Having the peace of mind of a well maintained vehicle all year is an excellent idea, but it’s particularly essential during the winter when driving conditions are impaired.

Ensure you have the right oil for your vehicle. In general, thinner oil like 5W30 works better in cold winter conditions than 10W30 or 10W40, which are thicker. Thinner oils circulate easier, which makes lubrication of your engine easier in cold temperatures. To find the right oil for your specific vehicle, check your owner’s manual.

Keep your gas tank full. A full gas tank lowers the chances of running out of gas and being stranded. In addition, it brings down the possibility that your gas lines will freeze up because of condensation or water vapor buildup in extremely icy climates.

Ensure your battery is in great condition. Being stuck in remote areas and being unable to start your car is dangerous. Check that your battery’s connections are corrosion free and for batteries older than 3 years, consider testing its capacity to hold a charge.

Ensure you keep a winter emergency kit in your vehicle. A well thought out kit can be a lifeline in the event that you are stranded in the middle of nowhere, or on a highway. A high-quality winter kit for your car should include:
No less than one warm blanket.
A flashlight.
A shovel, in case you need to dig out of deep snow.
Additional warm garments, including boots, gloves and caps.
A well stocked first aid kit.
A bag of salt or sand to give you extra traction if you get stuck.
Food and drinking water. Foods with high sugar content are excellent choices.
Jumper cables.
A flare.
Spare windshield wipers.
Extra windshield washer fluid.

Test your tire pressure. Because of the colder air, your tire pressure tends to drop a small amount in the winter. Keeping your tires at the maker’s prescribed pressure makes your vehicle simpler to handle, making you more secure on the road and will even improve fuel economy which will save you money!

Check that your anti-freeze mixture is correct. Your coolant should have a 50-50 mix of anti-freeze and water. If you’re uncertain, you can purchase a reasonably priced anti-freeze analyzer at most automotive part stores. Keep your anti-freeze levels above 50% to prevent leaving your engine susceptible to freezing up.

Think about snow tires. If you tend to get heavy snowfall in your area, it might be worth getting snow tires for your vehicle throughout the winter months. The deeper grooves on snow tires provide substantially more traction on snow covered surfaces, which makes them able to stop your vehicle up to 40% more rapidly than all season tires. As well, snow tires are constructed with a specific type of rubber which lets them to preserve their flexibility even in coldest winter conditions.

Consider replacing your windshield wipers if they are not in good condition. Defective windshield wipers can essentially debilitate your capacity to see in wet and icy climate conditions. If your windshield wipers are not making good contact with the windshield and are not clearing it properly, they should be replaced.

Check your brakes. On the off chance that it’s been over six months since your last brake check, have them checked again before the winter driving season. With the dangerous conditions that winter brings, having the capacity to stop quickly is much more critical than in warmer climates.

Performing these checks before the ice and snow can keep your vehicle running safely and easily all winter season. This will give you one less thing to stress over when you’re driving and help to keep your auto insurance premiums low.

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The Seven Wonders of the World

The world around is filled with all kinds of wonders and we can gaze at them only by opening our eyes and our hearts. After all you need to believe in magic to be able to believe it. However, if you’re someone who is a bit on the cynical side, we bring to you a list of the wonders that exist all around the world. If you are a fan of archeology, history or travelling you’re definitely going to enjoy this article. Oh and if you plan to travel after reading this, don’t forget to look into Cathay Asia Airlines.

1. The Great Pyramid of Giza
The crown jewel of Egypt and the only surviving architecture from the original Seven Wonders of the Ancient World, this pyramid is truly a sight to behold. This pyramid is said to be built as a tomb to the Egyptian Pharaoh Khufu. The building is approximately 480 feet tall and was the tallest building in the world for more than 3800 years. This pyramid when built was outlined with a limestone casing which with time got destroyed. Now you can only see the casing near the bottom of the pyramid whereas the top exposes us to the inner lining of the pyramid.

2. Petra, Jordan
Petra is often called the city of rose due to the red colored stones that it is made of. This beautiful hidden city is famous for its architectural grace and the water conduit system. Even though the city is located in Jordan, it was actually discovered by a Swiss explorer in the early 19th century. This place is also said to have structures that are more than 2000 years old.

3. Christ the Redeemer, Rio De Janeiro
This miracle took a total of nine years to be constructed due to the its location on the top of a cliff. This is the third largest statue of Jesus in the world. The raw materials for this statue were actually imported from Sweden. This beautiful statue was actually constructed as a sign of peace, to show that Christ loves everyone.

4. The Great Wall of China
This wall that stretches over 8000 kilometers was built over a period of 2000 years and renovated over time by many different Chinese dynasties. It is said that millions of people died while building the wall and that they’re buried within the Wall’s foundations. The Wall is also famous because it is the only structure on Earth that can be seen from the moon without any aids. Fascinating right? Go check it out yourself!

5. The Colosseum
This fighting ground of the roman gladiators took 8 years to build and was designed by the Roman Poet Virgil. The Colosseum has more than 80 entrances and can house 50,000 people at one time. It receives millions of visitors every year and is therefore the biggest tourist attraction in Rome.

6. The Leaning Tower
This beautiful tower located in Pisa is famous because of the way it inclines with height. The architecture has been constructed in a way that makes it feel tilted. If you’re ever in Italy, this is a must place to go to.

7. Taj Mahal
Constructed by an emperor in the memory of his beloved wife, this palace is a symbol of love for the entire world. The intricate architecture and carving inside this Mahal will make you fall in love with it. And if you don’t believe us, why don’t you go see it yourself? All you have to do is book your ticket using Cathay Asia Airlines.

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Stability, Predictability, Consistency, and Standardization in the Flow of Commerce

The best of all possible worlds is for the government to stay out-of-the-way of commerce, industry and business, and very rarely institute regulations. There are some times when government and businesses, industry associations should collaborate for the sake of standardization, but again, very rarely. The tendency to allow industry collusion, create monopolies, duopolies or quasi-cartels is just too easy. Further, once you create one regulation it’s hard to prevent the add-on affect, the temptation is just too great to add exceptions, additions, clarifications as lawyers, unions, and consumer groups work to lobby legislators to intervene with the regulatory apparatus.

A few years back this was a big conversation at our Think Tank, and one think tanker Andrew stated: “I would have to agree that businesses do need some form of standardization, but we must also understand several concepts! A business must have the capability to micromanage for maximum efficiency. I believe states should be granted the power to standardize businesses, not the federal government.”

Okay but, where I see the definite need for standardization are with things like Internet Protocols, railway track width, freeways for intrastate travel, airport runway markings, frequencies used in communication, food safety, etc. In a big state like TX you could get away with doing almost everything counter to the overall prevailing way of doing things, it’s practically large enough to be its own country, and some Texans would prefer it to be still. Pretty independent minded, even with the population’s mindset of succession from the union. It even has its own electrical grid.

Still, with regards to the flow of energy, transportation, distribution, communication, currency, etc. we need standardization. And to the point of having each state decide, what about every county, every city, or every HOA, down to every person, where do you stop the breakdown of centralized standardization.

The argument for state level standardization could be argued against by someone who is a County Supervisor telling the State to go to hell, we want to do it our way, especially a county like the County of Los Angeles, with 16 million people in it, also larger than most countries. How about a city telling the county where to go, again as an example, let’s take the City of Los Angeles VS County of Los Angeles, see the point.

And realize I am not making an argument for a global government here, but we also need some standardization there too, for aviation, which we do have, maritime, trade rules, and having the Central Banks work together so no one Central Bank doesn’t destroy the entire global economy. See that point. We need SOME standardization, but we MUST retain regional variation. We do this at the Global Level, but we don’t do it enough at our Federal Level with regards to the states in the US and that’s why we have issues now. Think on this.

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Why You Should Buy Sarees Online

Probably one of the biggest ceremonies in India is traditional Indian weddings. And if it’s traditional, it has to be saree. Indian women look beautiful in sarees. Indian women and sarees- they always go hand in hand and are absolutely inseparable from each other. Since the time the civilization happened, sarees has always been one of the most beautiful and precious ornament that enhances the beauty of a woman. It’s the 6 yard long fabric which makes you a complete woman.

Unfortunately, buying a beautiful saree for an event or wedding is not easy. You must have encountered a situation when you were looking for a beautiful saree for a wedding and ended up wasting a lot of time and energy by going here and there, and yet you failed to find a lovely saree. However, things have now changed a bit. Buying a saree is no more a difficult task. Thanks to the DIGITAL TECHNOLOGY!! You can now buy a saree online from the comfort of your home. You just need the best gadgets to access the ecommerce sites online.

Have a look at the following reasons why more and more people are looking for an online saree store:-

1. It Saves Your Valuable Time

The very obvious reason why more and more people are buying shopping online is because it saves their valuable time. When you have a tight schedule all the week, it becomes difficult to take out time from your schedule and spend few hours in buying a beautiful saree which you will wear on a special occasion.

And this is exactly why online shopping is in trend. It will not only help your time by receiving a home delivery, but they also offer excellent discounts on brands. You won’t have to leave your home for shopping. You can always do some window shopping online whenever you get time.

2. Trendy Clothes

Before the trendy sarees come in the market, you can find the same in a digital store. Yes, this is the place where you can find the latest fashion. Do you need any other reason why you should buy saree online in India? Well, we have some more.

3. Of course, CONVENIENCE

When you have decided to buy a saree online, you have opened the doors of comfort and convenience which helps you to buy the same anytime you want. You don’t need to go from one shop to other, and you can easily place the order either from your home or your office. Now, you don’t really need to struggle hard in finding a gorgeous muslin saree.

4. 24/7 Stores

One of the best features of the online store is that they will always remain open i.e. 24/7 available to assist you all the help whatever required unlike the stores in the market which closes quickly after a specific time. Whenever you get some free time, you can always do online shopping. Now time won’t have the strength to bind you if you want to buy gujrati handloom saree at 2.am. Isn’t that great?

5. Price Comparison

You always have the option to check the price of sarees in different online store, do a quick comparison between both of them and buy the best one at the cheapest price. You don’t need to be in hurry. Take some time to decide, read all the features, as there won’t be any sales person selling the product to you. It’s your choice.
Top 3 Wedding Sarees You Can Buy Online

JAMDANI COTTON SAREE

Jamdani sarees are beautiful. They are very popular among Bengali women. It’s the beautiful fabric in colorful shades which makes this saree more popular. You can get this saree at a much cheaper price in the online store, and not any Jamdani cotton saree store.

SILK SAREE

This is a kind of saree which is prefereed by classy women. It makes you look modern and classy at the same time. When you are looking for a silk saree, always look for some bright colors i.e. green, blue, orange, purple. They are beautiful.

Aplick Work Saree Online

In few parts of India, this saree is popular and it’s quite expensive if you buy it from a local saree store. They are the perfect option of office wear. You can find these sarees in different colors, patterns and designs.

Before buying sarees online, you should visit the websites and read the customer reviews/testimonials to find the reality. All the reviews you read will give you an idea about the online store. If the customers are happy and satisfied, they will share a good review. It will also help you know the authenticity of the company. There are many other aspects you need to keep in mind when you are shopping online:-

• Choose the most reputed and established online saree merchants because they will have excellent shopping sites. They will also describe about the saree i.e. fabric, colors used in the saree, enlargement of the saree and blouse both.

• They are also very quick when it comes to delivering the product and most of the times, they won’t charge a single penny for the delivery. It will be absolutely free.

• Online stores also offer great discounts during the festivals so that buyers can shop more when the prices are decreased.

• Online stores offers the latest trends and therefore it will be a great choice for you.

Finally, where should you go? You always have the option to buy from a local store or shop online. When you are looking for a saree online, you should also select the fabric which will make your search easier. Simply go through all the options, and choose the one which will make you look beautiful.

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What Is Computer Aided Engineering And Computational Fluid Dynamics?

Computer Aided Engineering (CAE)

CAE is the broad use of computer software with the aim to aid engineering tasks. It is a broad field that involves computational fluid dynamics, finite element analysis, optimization and multibody dynamics. Software tools developed to support the activities are known as CAE tools and they can be used in different application, including analyzing robustness and also performance of assemblies and components.

Computer aided design has indeed revolutionized modern engineering as it allows easier development of products and management integration of the same. It has also made modeling greater and offers basis for virtual networking. In the engineering world, the design is used widely to develop products to meet consumer expectations. It is this knowledge that makes engineering students and professionals important because of the benefits they bring to the engineering workforce.

Using computer aided engineering designs can be simulated in all kinds of scenarios without any physical change to the model. The technology is therefore widely applied to engineering applications. It comes with drawing benefits, project management benefits and networking benefits as well. It is applied to fields like aviation, space, shipbuilding and automotive industries. Computer aided engineering systems are supportive to businesses because they can place information views into the business process and make reference architectures useful especially when it comes to manufacturing models and products.

Computational fluid dynamics (CFD)

This is a discipline that falls under computer aided engineering and is used to engineer products and process designs as well as fabricate and analyze all elements involved in the processes. The technology also falls under fluid mechanics that rely on numerical methods and algorithms to analyze and solve problems that are related to fluid flow as well as heat transfer. Computational fluid dynamics are made up of three phases:

· Pre-processing that defined computation fluid dynamics models that include physics environmental factors, geometry and boundary conditions

· Analysis which offer solution of transport equation using the computational fluid techniques

· Post processing which involves results using visualization tools

CFD started way back in the 1960s with the first successes becoming prominent in 1970s. In services industry it took effect in the 1980s and the industry significantly expanded in the 90s. CFD packages continue to develop and significant changes are definitely expected in the future. The knowledge on how fluid flow and the quantitative effects of solids that are in contact helps:

· Architects and building service engineers to provide safe and comfortable human environments

· Power plant designer to achieve maximum efficiency and also reduce pollutant releases

· Chemical engineers in maximizing yields from processing equipment and reactors

· Designers of marine, air and land vehicles to achieve maximum performance at minimum costs

· Safety engineers and risk-and-hazard analysts to make predictions of the damage extent of structures, human beings, vegetation, animals and even equipment as a result of blast waves, explosions and fires

The flow simulation also proves helpful to the metropolitan authorities in determining pollutant emissions, meteorologists in foretelling water and wind current, petroleum engineers in designing oil recovery strategies among many other applications.

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The Secret My Lawyers & Accountants Didn’t Even Know About – How to Get a Business Loan

Stop! Turn off your cell phone.

Quit tweeting and texting for the next 4 minutes. Grab a cup of coffee.

Shut the door so there are no distractions. This is that important!

Because I’m about to reveal to you the greatest secret to getting a business loan for as much as $25,000, $50,000 or even $250,000 – even when the bank says “NO!” and even if you don’t have perfect credit.

I have to warn you though… Don’t pay attention to the credit card companies. Forget everything you’ve heard. You can actually hurt your chances of getting the small business loan you need if you follow their advice.

It’s true. Why? Because they’re more concerned about raking in record profit margins and reaping huge bonuses! They don’t care about your business or if you get a business loan.

Credit cards companies want you to keep piling up debt on your high-interest personal credit and hold you personally liable for your expenses.

Do you think they really care if it takes you 10, 20 or 30 years to pay it back? Or if lowering your spending limit for no good reason has affected your business? Or if your personal credit is destroyed while you try to build the business of your dreams?

Of course not. Not when it means more money for them! And let’s not leave out the banks. Business lending is at all-time lows. Think they’re interested in taking a risk, however small it may be?

The secret… How to get a Business Loan

But there’s a little known secret that most small and mid-size business owners don’t know about. Heck, even most credit card companies don’t advertise it. I didn’t even know about it and I’d been running businesses for years!

Accountants I’ve used for years weren’t aware of it. Lawyers who I’ve paid up to $700 an hour didn’t know about it. But I’m about to reveal it to you right now and it won’t cost you a penny…

I’m not going to make you read every word of this or make you jump through hoops to get the secret. I know you’re busy so I’m going to give it to you right now and then explain how to make this secret work for you.

Here it is: You can get a small business loan. Usually reserved for large corporations, there’s a 7-step process for small and mid-size business owners to get the business loan they need without a traditional personal guarantee.

Mystery solved! More about that in a moment…

Whether you’re looking for a start up business loan, have an existing business or if you’re buying a business or franchise, you can now access working capital.

Don’t have perfect personal credit? No problem.

It doesn’t even matter if you have less than perfect personal credit. You can still get business financing, whether that’s a merchant cash advance, or business loans with bad credit.

That’s right. You no longer have to rely on your personal credit to finance your business. You can rebuild your personal credit and create a business credit profile to get the business loan you need to grow your business.

Imagine not relying on just personal credit cards to finance your marketing, purchase inventory or pay for expenses… sleep easier every night knowing one misstep won’t cost you your family’s home… and get access to much needed working capital so you can expand. That’s a dream come true for many business owners I work with, especially right now.

Does this sound familiar?

“We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… “blah, blah, blah!

Take one client we’re working with right now. Mike owns a dozen wireless phone stores. This is his most recent venture after successfully running other small businesses for more than 30 years. And just like he’s always done, he financed his inventory with his American Express card.

Every month he bought $50,000 worth of inventory, sold it and paid it off before the end of the month. But just a few months ago, his purchase was declined. American Express reduced his credit limit from $50,000 to $30,000 without any notice – not because of anything he had done.

The only response he got went something like this: “We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… ” blah, blah, blah! So he had to scramble to find other ways to finance his inventory. A short while later his $30,000 inventory purchase declined. Why? Because his credit limit was reduced to $20,000. Then his credit was squeezed again to $10,000.

It gets worse. As his credit is getting squeezed American Express is reporting to the other credit bureaus that his credit is being reduced so they also follow suit.

Meanwhile, the amount of debt as a percentage of his total available credit or what’s called his debt utilization rate increases. This is one of the most important indicators creditors look at when evaluating a credit score – and Mike’s personal score was dropping like a brick.

When he came to us, we immediately showed him how he could separate his business credit from his personal credit and his first reaction was, “I didn’t know I could do this. Are you telling me that I could have been building business credit and may still be able to get a small business loan?”

The answer is, “Yes!”

We’re working with him to help him and he’s borrowed $100,000 that does not have a traditional personal guarantee.

You really can get the funding you need without putting your personal credit at risk.

I’ll show you how in just a moment. But first I think it’s important that you know a bit more about me.

I own a firm that specializes in helping business owners get the business loans they need to finance their businesses without sacrificing their personal credit.

If you’re like me you probably thought business funding wasn’t even an option.

As a small business owner (prior to starting my own financing company), I personally guaranteed everything because I thought that’s the way it was done. I even prided myself on how well I did it while growing my Internet marketing business. I started with a $5,000 line of credit on my American Express and I played the 30-day float. Over time, I was regularly spending $300,000 on my card – every month!

If anything went wrong the expenses would have crushed me. I didn’t have that kind of money to cover the costs! Fortunately, I was lucky enough to avoid disaster.

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