Online Fax - How It Can Mobilize Your Home Office Or Business

Online fax seems to be growing by leaps and bounds, but many individuals still do not realize how revolutionary this new faxing technology has been for the home office and for companies in general. Just as we have taken for granted the revolutionary revolutionary impact email has played in our daily routines, both in the workplace and in our personal lives, the same applies to this new technology. Unfortunately, online or email fax has often been placed in the same boat. This short article will look at some of the ways in which online fax has really changed the modern workplace and describes much more respect.

Online fax is simply a matter of using your current email system and your web connection to send and receive all your faxes. In order for it to work, you must first sign up to a third party provider or server, which acts on your behalf to handle all your faxing. These online fax service providers usually charge on average around $ 8 to $ 10 per month, and for that amount you get around 300 to 500 faxes (incoming and outgoing) each month. Rates and service plans do different something, so it does pay to shop around to get the best fax plan and service to perfectly match your needs.

Keep in mind, with these services, you get an online account where you can log in to send or receive your faxes. Your messages or faxes are sent as email attachments, usually in a Tif or Pdf file. Once you receive a fax, you will receive a notification via email with the fax attached or you can log on to read the fax from your online account.

However, what most people do not realize is the importance or significance of such a service and how it does really revolutionize the workplace. Unlike a traditional fax machine which is bound to the office and business hours, an online fax service is completely portable and available around the clock, regardless of where you're located. This offers any worker or business great freedom and can be really liberating for all concerned.

Setting up or working from home, is much more easier with an online service because you do not need to install a dedicated fax phone line and you do not have to purchase a fax machine. Nor do you have the ongoing expense of buying all those inks, papers and toners. This makes running a home office or business much more cost-effective, especially when you consider the fact that these will be long-term expenses.

But despite the greatest benefit will come from the portability features, you can fax from anywhere at any time, as long as you're connected to the web. Any portable device connected to the net, can be your virtual fax machine. This also means that your business is open and accessible 24/7, 365 days of the year. This can make any home office or business much more competitive and effective, even in these harsh economic times. This easy access and availability has really revolutionized the modern workplace, making it much more flexible and feasible for everyone. What more could you ask for?

So are you or your company using an online fax service?

When Do Bank Deposits Clear?

When a check deposit is walked into a bank branch, it is processed the same as an ATM machine deposit, meaning that at many banks, only $ 100 is immediately available for withdrawal or a credit towards pending debts (except it is a business account, or the customer has some other arrangement with the bank).

One of many sentence articles: I am not a lawyer, and this article is my opinion based on my experience, please consult with a lawyer if you need legal advice.

The only difference between a "walked-in" check deposit and an ATM deposit is the posting cut-off time. Checks are not usually processed at the individual bank they were deposited at. Many banks have a cut-off time of 4 PM for posting walked-in deposits because the bank sends by courier, all the checks received to their contracted scanning company (called a clearinghouse, in California, see commercial code 4104) for processing.

If one deposits a check at their ATM, the ATM screen typically shows the cut-off time for posting deposits (or one can ask a bank employee), often 8 or 9 PM. The reason for the later cut-off time for ATM deposits is because the deposited checks are scanned at the ATM machine, whereas the walked-in deposits are not scanned until they are processed at an off-site clearinghouse.

If one wants immediate access to the full amount of their deposited check, one must usually cash that check at the issuing (payor) bank and then deposit the cash into their own account.

With a walk-in deposit, one can ask the bank teller to credit the entire check instantly, however the teller will do that only if the check has the same payor bank as where the check is being deposited. However, even at the same bank, each branch is considered a separate bank, in regard to being a payor and depositary bank. In California, see commercial codes 4105 and 4107.

Of course, the other way to get full credit for a deposited check is when the customer has enough funds already on deposit, to cover the check if it is returned; or if the account is connected to a line of credit.

A typical bank credits all ATM deposits made before 9 PM, and all walk-in deposits made before 4 PM. The funds are usually available at 12:01 AM the following business day. If deposits are made after either cut-off times, the funds are usually available at 12:01 AM on the second business day.

Although deposits will be entered in the bank's general ledger right away, the full value of check deposits often are not available on the date of the deposit. The full value of a check is usually available 1-3 days later.

If one is trying to recover a large judgment and they know their debtor's bank, they can go to any branch of that bank (or the bank's website). Then, they can visit the new accounts desk, and ask for a disclosure statement as a potential new customer, and talk with the representative. One can ask questions to get information to help plan a future levy attack. Each financial institution has its own procedures, but must comply with the overall laws.

Starting Your Home Online Business

Finding the right motivation to start a home internet business is not something that comes easy for most of us, we are usually content with the comfort and sense of security [which is usually false] that our present job offers.

life is however most times not as predictable as we would have loved, one day things can be so comfortable and the next day before we even have time to adjust everything changes and things turn upside down.Having additional and multiple sources of income is good financial wisdom for our present unstable world.

Building any business takes time, commitment and patience since the reason we so often hear how important it is to have a very strong reason why or a burning desire that will spur us on through thick and thin in order to succeed. This also applies to building a successful home online business, we should not think we will experience instant success.

Something or someone has to really motivate you to start and succeed in your online home business.here are some of the reasons why you should give starting your home online business a good thought

1. When you calculate how much it will cost you to provide the kind of life you and comfort for you and your family in today's world you will realize that you some extra sources of income.

2. In today's world of constant changes in financial and employment environment, job security is most times just a mirage, you will be forced to look for alternate source of income when faced with sudden loss of job.

3.After a while you may get tired of the rat race kind of life that your day job offers, you should consider starting your home online business to replace your day job.

4. Most people doing regular jobs just have enough to cater for their basic needs alone, the desire to have some extra cash to afford the little luxuries of life or a vacation should make you consider starting your home online business to generate extra cash.

5.The sudden need for extra cash caused by sudden emergencies, like sudden illness accidents etc. cause can be provided by having a thriving online home business.

6. These days of inflation, our basic salaries may not be enough to cover our basic needs, we get into all kinds of debts to make ends meet, starting our home business can fill the financial gap.

7. Others have finally had enough of having less quality time to spend with their family due to the amount of time wasted and stress involved in traveling to and from a day job.

8. The need to help our aging parents financially as their pension is just insufficient to cover their expenses and so look for ways to make additional income.

These are only a few of the many and varied reasons that motivate people to start and succeed with a home internet business.

Whatever your reason, remember that it takes time to build a profitable internet based business so it is important not to wait for disaster to strike before getting started.

Caribbean Cruises For The Bucket List

Any Caribbean cruise trip vacation is definitely the ultimate deal and if you have not tried it as yet, today is the time; the cost of these cruise liners makes it possible for even younger visitors to experience them. So what more would you desire, having a complete program with day to day activities aboard the cruise liner, shows every evening and the wonderful beaches and islands in the Caribbean. Some people just take a quick break and go tohaps only a couple of islands as part of a larger vacation but the majority of folks are doing a tour of as many islands as they can with some lasting more than two weeks.

On average, each cruise liner visits four or five ports at an assortment of Caribbean islands, meaning that the islands in the Caribbean have ten million passenger visits each year. If you want the most in-demand destinations in the Eastern Caribbean, listed here are the details: 1st, St Martin, with more than half a million visitors followed by Barbados and Martinique, that together have four hundred thousand visitors. A few other major locations consist of Antigua, the French-speaking island of Guadeloupe, together with Trinidad and Tobago.

Wedding and reception cruises have become quite the fashion. Within the last 5 years there have been thousands of wedding ceremonies performed aboard cruise ships on the warm Caribbean seas. In almost any given year, upon actually any given cruise line over 2,000 weddings are actually hosted. This increase is actually not very surprising, because it is so romantic, simple and easy to have a wedding event with a cruise ship. Not only is the actual wedding ceremony spectacular, but also your honeymoon vacation is a built-in extra commodity. The majority of cruise ships have got their very own chapels aboard ship, plus the captain is authorized to perform ceremonies at sea. Even though several ships feature chapels, you will be expected to carry out the service while you're in a port of call, before sailing.

Cruises are a great way for families to spend some quality time together. Away from the pressures of daily tasks and chores, families can use the opportunity to reconnect and enjoy each other's company. Several cruise liners understand this concept and have developed special family cruise packages. And when it comes to cruises the most famous destination is the Caribbean. Caribbean cruises for families are put together with a lot of care. Activities are planned in such a way that all age groups get taken care of. Several options are provided so that no one feels left out.

Russian Roulette: A Dangerous Financial Game

♥ ♥ Fe Feeling Lucky?

If I had a dollar for every time my grandmother told me to make sure you are on the business, make sure your name is on the house, I would be sitting on a pile of cash. I'd tell her, of course, my name is on the business, we filed the paperwork 25 years ago. Afterall we started the business together with a loan from her. I was an owner of the business years ago, but he reincorporated. Although I signed new paperwork that was not the paperwork that was submitted. Despite a tumultuous marriage, I never checked. Instead, I blindly believed in my partner or rather I buried my head in the sand. We did not have those discussions, they led to loud arguments and fights and who wants to invite that.

Financial Responsibility is Your Responsibility

When you embark on your wedded journey, make sure you have all of the hard discussions no matter how uncomfortable they may be. Discussing finances, including your name is on a home you purchase together, a business you start together, banking accounts, etc ... is a sign of trust rather than distrust. If you can have difficult conversations without responses like "do not you trust me?", Or "I'm better with money, just trust me", than your chance of a successful marriage is increased. One partner controlling the purse strings is often a sign of financial abuse.

Your Accountant should be on Speed ​​Dial

Sometimes those little hairs on the back of my neck would tingle and I would insist on accompanying my spouse to our accountants. The conversation would be directed by my ex and our accountant. My fears would stop screaming "something's not right" and just silently nag. I'd ask about being listed on the business as an owner and would be assured yes and do not worry this is a 50/50 state. Let me assure you that even though the law may state that, the one with the money has the power. Your accountant works for you - verse yourself with what questions to ask, get a second opinion, understand your finances. Do not play Russian Roulette with your life. Blame and ignorance do not pay the bills and debt collectors do not care.

Your thriving business is now near bankruptcy

Our small business of 25 years had provided us with a wonderful lifestyle. We had a nice little nest egg, the ability to pay for our children's college education, parcel of a small financial gift to them upon graduation. We achieved the American Dream and then the nightmare began. Suddenly, divorce was imminent and our thriving business was on the verge of bankruptcy. Everything we had worked so hard for was gone or so it seemed. If you suspect financial hanky-panky, hire a financial advisor who specializes in forensic accounting right away. Once the money is gone, chances are it is not coming back but you need to preserve what remains. If I had just had the hard talks about money, taken a more educated and active role when it came to our finances I would not have played Russian Roulette. A photo tutorial would have been paid, and we both would have split the nest egg, 50/50.

What is Financial Abuse?

Last Thoughts

1. Before you marry, make sure you have the difficult discussion with your partner. If you fear yourself shying away from a topic to avoid an argument or fight, consider it a warning sign.
2. Check things out for yourself. You are smart and just as capable. It's easy to let someone else do it but this is your life. Fiduciary trust does not mean you play Russian Roulette and gamble your money and life away.
3. Be active when it comes to your finances. If your tax return is complicated, then learn how to understand it. Take it to your own trusted advisor.
4. A solid partnership is built on trust, not blind trust, but trust that you can have open honest discussions. All topics should be open for discussions.
5. Ignorance is not an excuse and does not pay your bills.
6. Take control of your finances or your finances will take control of you.

Woodworking History: Everything You Need To Know About Woodworking

A very popular hobby, woodworking is a craft that many became highly skilled at. In addition to these skilled woodworkers, there are many beginners who are just beginning to explore this passion. Being educated in the history of woodworking will not only help you appreciate it more, but can provide you with project ideas for yourself. Woodworking dates back much more than you might realize.

As a matter of fact, our earliest ancient creatures have said to participate in some form of woodworking. While they did not have access to the equipment and tools that we have nowdays, they could still use wood and clay to create plates and pots. Evidence has been found to support that a lot was build using wood back in those days. As time went on, their understanding of how to utilize wood continued to grow, as cave drawings showed Egyptians doing woodworking projects.

Going back to the time period when the Great Pyramids were being built, Egyptian woodworkers showed how skilled they were based on the structures that remain to this day. Because all the work was done by hand, even the most efficient workers still had to devote much more time towards finishing projects than we do today. Some of the best woodworkers in the early days included Evert Sodergren, Sam Maloof, Garrett Hack, Tage Frid, and Wharton Esherick.

While the principles of woodworking are not much different today than in the past, the primary difference is the technological advancement in supplies and tools. Primitive humans has very little to work with, whereas we have an abundance of power tools and wood that allow us to get projects done much more efficiently and fairly. As a result, we can take on much more complex projects, such as log cabins and large buildings. Anything that mind can conceive is capable of being built now, from lawn figurines to cabinets, it's really just a matter of having plans and the time needed to get it done.

Today's woodworkers should really take the time to appreciate the resources they have at their disposal compared to years past. For those who are looking to get their feet wet in woodworking, learn the very basics including how to interpret plans and which tools you will need. Today's tools are far more precise, which means that less skilled is required than ever before. An increasing amount of women are getting involved in this craft and displaying their skills.

History of Video Games - The First Video Game Ever Made?

As an avid retro-gamer, for quite a long time I've been particularly interested in the history of video games. To be more specific, a subject that I am very passionate about is "Which was the first video game ever made?" ... So, I started an exhaustive investigation on this subject (and making this article the first one in a series of articles that will cover in detail all video gaming history).

The question was: Which was the first video game ever made?

The answer: Well, as a lot of things in life, there is no easy answer to that question. It depends on your own definition of the term "video game". For example: When you talk about "the first video game", do you mean the first video game that was commercially-made, or the first console game, or maybe the first digitally programmed game? Because of this, I made a list of 4-5 video games that in one way or another were the beginners of the video gaming industry. You will notice that the first video games were not created with the idea of ​​getting any profit from them (back in those decades there was no Nintendo, Sony, Microsoft, Sega, Atari, or any other video game company around). In fact, the sole idea of ​​a "video game" or an electronic device which was only made for "playing games and having fun" was above the imagination of over 99% of the population back in those days. But thanks to this small group of geniuses who walked the first steps into the video gaming revolution, we are able to enjoy many hours of fun and entertainment today (keeping aside the creation of millions of jobs during the past 4 or 5 decades). Without further ado, here I present the "first video game nominees":

1940s: Cathode Ray Tube Amusement Device

This is considered (with official documentation) as the first electronic game device ever made. It was created by Thomas T. Goldsmith Jr. and Estle Ray Mann. The game was assembled in the 1940s and submitted for an US Patent in January 1947. The patent was granted December 1948, which also makes it the first electronic game device to ever receive a patent (US Patent 2,455,992). As described in the patent, it was an analog circuit device with an array of knobs used to move a dot that appeared in the cathode ray tube display. This game was inspired by how missiles appeared in WWII radars, and the object of the game was simply controlling a "missile" in order to hit a target. In the 1940s it was extremely difficult (for not saying impossible) to show graphics in a Cathode Ray Tube display. Because of this, only the actual "missile" appeared on the display. The target and any other graphics were shown on screen overlays manually placed on the display screen. It's been said by many that Atari's famous video game "Missile Command" was created after this gaming device.

1951: NIMROD

NIMROD was the name of a digital computer device from the 50s decade. The creators of this computer were the engineers of an UK-based company under the name Ferranti, with the idea of ​​displaying the device at the 1951 Festival of Britain (and later it was also shown in Berlin).

NIM is a two-player numerical game of strategy, which is believed to come originally from the ancient China. The rules of NIM are easy: There are a certain number of groups (or "heaps"), and each group contains a certain number of objects (a common starting array of NIM is 3 heaps containing 3, 4, and 5 objects respectively) . Each player take turns removing objects from the heaps, but all removed objects must be from a single heap and at least one object is removed. The player to take the last object from the last heap loses, however there is a variation of the game where the player to take the last object of the last heap wins.

NIMROD used a lights panel as a display and was planned and made with the unique purpose of playing the game of NIM, which makes it the first digital computer device to be specifically created for playing a game (although the main idea was for showing a game a digital computer works, rather than to entertain and have fun with it). Because it does not have "raster video equipment" as a display (a TV set, monitor, etc.) it is not considered by many people as a real "video game" (an electronic game, yes ... a video game , no ...). But once again, it really depends on your point of view when you talk about a "video game".

1952: OXO ("Noughts and Crosses")

This was a digital version of "Tic-Tac-Toe", created for an EDSAC (Electronic Delay Storage Automatic Calculator) computer. It was designed by Alexander S. Douglas from the University of Cambridge, and one more time it was not made for entertainment, it was part of his PhD Thesis on "Interactions between human and computer".

The rules of the game are those of a regular Tic-Tac-Toe game, player against the computer (no 2-player option was available). The input method was a rotary dial (like the ones in old telephones). The output was shown in a 35x16-pixel cathode-ray tube display. This game was never very popular because the EDSAC computer was only available at the University of Cambridge, so there was no way to install it and play it anywhere else (until many years later when an EDSAC emulator was created available, and by that time many other excellent video games where available as well ...).

1958: Tennis for Two

"Tennis for Two" was created by William Higinbotham, a physicist working at the Brookhaven National Laboratory. This game was made as a way of entertainment, so laboratory visitors had something funny to do during their wait on "visitors day" (finally! ... a video game that was created "just for fun" ...). The game was pretty well designed for its era: the ball behavior was modified by several factors like gravity, wind velocity, position and angle of contact, etc .; you had to avoid the net as in real tennis, and many other things. The video game hardware included two "joysticks" (two controllers with a rotational knob and a push button each) connected to an analog console, and an oscilloscope as a display.

"Tennis for Two" is considered by many the first video game ever created. But once again, many others differ from that idea stating that "it was a computer game, not a video game" or "the output display was an oscilloscope, not a" raster "video display ... so it does not qualify as a video game ". But well ... you can not please everyone ...

It is also rumored that "Tennis for Two" was the inspiration for Atari's mega hit "Pong", but this rumor has always been strongly denied ... for obvious reasons.

1961: Spacewar!

"Spacewar!" video game was created by Stephen Russell, with the help of J. Martin Graetz, Peter Samson, Alan Kotok, Wayne Witanen and Dan Edwards from MIT. By the 1960s, MIT was "the right choice" if you wanted to do computer research and development. So this half a dozen of innovative guys took advantage of a brand-new computer was ordered and expected to arrive campus very soon (a DEC PDP-1) and started thinking about what kind of hardware testing programs would be made. When they found out that a "Precision CRT Display" would be installed to the system, they immediately decreed that "some sort of visual / interactive game" would be the demonstration software of choice for the PDP-1. And after some discussion, it was soon decided to be a space battle game or something similar. After this decision, all other ideas came out pretty quick: like rules of the game, designing concepts, programming ideas, and so forth.

So after about 200 man / hours of work, the first version of the game was at last ready to be tested. The game consulted of two spaceships (affectively named by players "pencil" and "wedge") shooting misses at each other with a star in the middle of the display (which "pulls" both spaceships because of its gravitational force). A set of control switches was used to control each spaceship (for rotation, speed, missles, and "hyperspace"). Each spaceship has a limited amount of fuel and weapons, and the hyperspace option was like a "panic button", in case there is no other way out (it could either save you or break you).

The computer game was an instant success between MIT students and programmers, and soon they started making their own changes to the game program (like real star charts for background, star / no star option, background disable option, angular momentum option, among others) . The game code was ported to many other computer platforms (since the game required a video display, a hard to find option in 1960s systems, it was mostly ported to newer / cheaper DEC systems like the PDP-10 and PDP-11).

Spacewar! is not only considered by many as the first "real" video game (since this game does not have a video display), but it also has been proved to be the true predecessor of the original arcade game, as well as being the inspiration of many other video games, consoles, and even video gaming companies (can you say "Atari"? ...). But that's another story, arcade games as well as console video games were written in a different page of the history of video games (so stay tuned for future articles on these subjects).

So here they are, the "First Video Game" nominees. Which one do you think is the first video game ever made? ... If you ask me, I think all these games were revolutionary for its era, and should be credited as a whole as the beginners of the video gaming revolution. Instead of looking for which one was the first video game, what is really important is that they were created, period. As the creator of "Spacewar!", Stephen Rusell, once said: "If I had not done it, someone would have done something equally exciting or even better in the next six months.