Jewelry Gifts-their Implications

Jewelry Gifts-Their Implications

A vast majority of people think jewelry is a brilliant gift idea for a girl. There are various reasons for it, the foremost being that it is cherishable and lasting. It is a safe choice because no matter what type of a personality she has, as long as she is a girl, she will love the jewelry. Another reason for giving jewelry as a gift is that it is available in many price ranges from economical to the most expensive piece out there. Jewelry is also an adaptable gift item and can be given in combination to other things for example branded perfume, shower gels, cosmetic, chocolates and many more. It can also be an asset in bad times for example a gold, or a silver ring can not only be insured but also sold and treated like a liquid asset in worst comes to worst scenario.

Considering the above, jewelry is one of the foremost choices as a gift item. An important aspect of giving jewelry as a gift is its significance in defining or re-defining new or existing relationships. The boyfriend of a friend of mine was having difficulty in sending his parents with a formal proposal and at the same time he wanted to secure his relationship before going abroad for studies, so just before he left, he got his girlfriend a pair of branded, 22 carat gold earrings.In the years to come, she cherished the gift and waited for him till they got married.

The cultural aspect is very important in case of giving jewelry gifts. For example, in the Indo-Pak sub-continent, if a man gives a woman any jewelry article; it definitely means that he is interested in either marrying her or it can be very safely assumed, that he would like to engage in some sort of a relationship with her. Just what he chooses to give and the price range versus his income analysis (the value of the gift as a percentage of income); can clarify any other grey areas including how many other girlfriends he has.

Usually if a guy chooses to give artificial or silver jewelry, he is just contemplating something more than just friendship but he is in the initial stages of the relationship and is not too sure or maybe he is just not serious enough to take it up to the marriage. However, if he chooses to spend a considerable amount of money maybe as much as one-month salary on a gold ring, or a high value silver ring, he is definitely serious. In the end, it is not about the price tag on the gift amount but the percentage of the income that he spent on the gift that matters. It shows how much he cares. (I can see many older women scoffing my ideas as being too materialistic, but hey money matters!).If the guy chooses to go jewelry shopping with you, it means he wants you to improve your choice of jewelry and even though he is not embarrassed of being seen with you, but he would definitely want you to change more towards his liking.

Now comes the second part; what you choose to give as a gift and what it signifies. If you are a girl and you are giving jewelry to another girl, it means you came across a good deal on a clearance sale. No, that was just a joke, no offense to all the girls out there. In my life, I have received maximum jewelry gifts from other women. The reason being, they know you well enough to know what you would like as a gift. Usually girls never give out rings as a single item and give it in a combination with earrings, bracelets, anklets, hair accessories or any other combo. But if a guy gives you a ring of any form, in combination or solitaire, see RED every where both the danger sign as well as the love sign. If you are based in the Indo-Pak sub-continent, you should see RED even if a guy chooses to give you an anklet, or a nose pin. These two items signify, with varying intensity, that either a woman is committed or married. Guys if you want stay clear of sending out any unintentional signals; keep your gifts neutral if she is just a friend. This means that rather than giving out a necklace etc give her a jewelry box or a fancy jewelry pouch. Do not make combinations with chocolates, cosmetics, and jewelry items like rings, anklets and nose-pins as they are a definite lead on.

In short, apart from social taboos, gifts should be chosen with care especially if they involve jewelry giving appropriate consideration to the hidden meanings and the implications of your gift. It is necessary to take this in regard because it will be the defining moment for your future relationship whether you want to keep it just friends full stop or you want it to be a new start of something more special.

Html5 – Not Designed For Business Applications

HTML5 – Not Designed for Business Applications

HTML5 is the next version of HTML to come along since version 4.0 in 1997.

HTML is an acronym for Hyper Text Markup Language and HTML elements are the basic building-blocks of web pages. The Internet would not exist as we know it today without HTML.

But HTML is not a programming language at all. This concept is confusing to some people. Web pages rely on a scripting language such as JavaScript in order to respond to user input. Think of it as HTML being a car and JavaScript being the engine.

JavaScript was introduced in 1995 by Netscape and coincidentally, that’s when the web started to really “take off”. This is an important fact to consider before we dig deeper into HTML5.

The open source nature of HTML and JavaScript has contributed to the growth of the Internet as a whole. Source code and design ideas are often borrowed from around the web and even from competitor’s web sites. This is facilitated by the fact that HTML and JavaScript are impossible to hide or protect.

HTML5 is no different!

There has been a lot of talk about HTML5 over the past couple of years and developers think that HTML5 is “cool” and “fun” to work with. But the logic ends there.

As usual with most new technologies, there has been confusion and misinformation over when HTML5 should be used and for what purpose. We aim to enlighten you about what HTML5 can and can’t do in this article.

New Features Same Old Concept

HTML5 includes new features such as the “Canvas” element, along with audio, video and Scalable Vector Graphics (SVG) content, some of which replace the “object” tags of HTML4. There have also been some modifications and standardization of tags such as (a, cite, menu) but the basic concept of HTML remains the same in HTML5.

Who’s Promoting HTML5?

HTML5 was originally proposed by Opera Software (makers of the Opera web browser) and designed by the World Wide Web Consortium, also known as W3C.

An important point is that the W3C has been criticized as being dominated by larger organizations and thus writing standards that represent their interests.

The large organizations (Apple, Microsoft, Adobe, Google and Facebook) have promoted HTML5 as the most up to date technology for web development. In fact the late Steve Jobs termed HTML5 as the win-win solution for consuming any kind of web content on all types of web platforms. But it is important to note that Apple, Microsoft, Google and Facebook each have an incentive for promoting HTML5; each own and operate very profitable “app” stores such as the Windows Marketplace, Google App Store, iTunes App Store, Facebook Canvas Apps, etc. Protection of intellectual property and trade secrets is of little or no concern to those companies and in fact it is almost a conflict of interest.

Fact #1: HTML5 is based on JavaScript, which is impossible to protect. Yes, that’s a fact!

As we discussed a moment ago, JavaScript is the core “language” of HTML5, whose source code is impossible to protect. The most evident reason is that anyone can view HTML5 and JavaScript source by just a simple click. JavaScript was never intended to be anything more than an engine for client-server communication and re-useable web content, including menus, buttons, tabs and the like.

Developers may argue that they can mangle JavaScript source code by obfuscation and pseudo-encryption (such as “minification”, where the code is compressed and “minified”). But this is a dangerously false sense of security. Any skilled developer can reverse engineer a “minified” or “obfuscated” JavaScript application. By design, JavaScript cannot be encrypted and it cannot be hidden. JavaScript files must be downloaded in order to run in a web browser.

To make matters worse, JavaScript also cannot be locked down to a specific web domain.

The code is accessible to be hacked by any competitor. No matter how many steps are taken to hide the JavaScript, the web browser eventually downloads the JavaScript file to run it within the client’s web browser.

For comparison, hacking a Flash or Silverlight application just by viewing the source is not very easy but anyone with a little knowledge of HTML5 can do it in minutes.

The hacks of famous HTML5 games like AngryBirds, Texas Holdem and many others are excellent examples of the insecure techniques employed by HTML5 developers. All security measures are useless once the code has been obtained and reverse engineered. No matter what any HTML5 or JavaScript developer may claim, these facts are true and irrefutable!

Fact #2: The concept of HTML5 Canvas is nothing new.

As we discussed already, HTML5 is based on the same concepts of HTML4. The most useful and talked about feature of HTML5 is the new “Canvas” object. Canvas makes it easy for JavaScript developers to “paint” within a web browser, simplifying the design of applications that utilize graphics. But you may be surprised to know that this functionality has been available in a simulated manner with very little attention since the release of HTML4.

Fact #3: There is a widespread misconception about HTML5

HTML5 has been labeled as a “cross platform programming language” which is a serious misconception. It is true that HTML5 is capable of running on all types of platforms such as Windows, Linux, Android and other mobile operating systems but let’s not forget that HTML5 is nothing more than web page markup, which is controlled by JavaScript. Classifying HTML5 and JavaScript as a true programming language would be incorrect. It is a browser integrated language that cannot utilize all the features of the underlying operating system.

When Should You Use HTML5?

The answer is quite simple. Use HTML5 when you do not care about your source code, intellectual property, or trade secrets. If you do not care that a competitor may steal your source code after it has been uploaded to your web site then use HTML5. As you can see, HTML5 is perfect for buttons, menus and website specific content, for which it was designed.

The Bottom Line – Better Options Available

The bottom line is that HTML5 and JavaScript are great for a lot of things, but you can’t effectively protect anything that you develop with them. This clearly doesn’t add up if you are using these technologies for developing business applications, which they were not designed for.

If you are developing a web application then consider using Flash or Silverlight, both of which run in all popular web browsers for desktop operating system, including Windows, Mac and Linux.

If you are developing a mobile application, there are far better options for iPhone, iPad and Android development that afford better protection of trade secrets, better security, performance and usability for the end user and also allow you to take advantage of the native features of the underlying operating systems. For iOS (iPad and iPhone), use the Object C programming language. For Android, use the Java programming language.

For Windows development, consider C++, C#, Delphi or other proven languages.

Although slightly more difficult to develop with, Objective C, C++, C#, Java and other low level languages are always the best option no matter if you are developing desktop, web, or mobile applications.

Permission to Redistribute

Copyright (c) 2012 by Modulus Financial Engineering, Inc. All rights reserved. Permission is hereby granted to redistribute the article providing this copyright notice remains in place.

About the Author

Richard Gardner is Founder/CEO of Modulus Financial Engineering, Inc. In addition to his leadership role of the firms team members, Richard is an influential member of the financial technology industry at large, a globally-respected professional trader and software engineer, a guest speaker at industry conferences and among the inventors on over 70 technology patents.

The 10 Steps Of Car Salesman Training

When you become an auto sales person, the dealership where you are starting your sales career will typically provide some sort of car salesman training. This training will teach you everything you need to start selling vehicles regardless of you ever having any sales experience. Every car dealer has a certain selling system that they teach their sales people which may consist of 8 to 12 different steps. Overall the car sales systems are generally the same with some of the steps get combined and other dealers drag them out.
I will use a 10 step system to illustrate the steps and the reasons for each step in the car salesman training program so you can see the importance of each step. The sales systems that auto dealers use to train car salesmen is not been put together haphazardly, there have been years of study and research done to create an atmosphere that is conducive to buying a car.

The Car Salesman Training Steps

1. Meet and Greet: This is the introduction of the car sales person to the potential car buyer. You shake hands, exchange names and try to get comfortable with each other.

2. Discovery: This part of the car salesman training is where the sales person will ask the customer questions and try to understand what they want, such as options, colors, new or used, price range etc.

3. Choose a Vehicle: This is a critical step because if you put them in the wrong car you wont sell them no matter how good a car salesman you might be. This is where the car salesman training can make a big difference because you must be sure to choose a vehicle in their price range they actually like and want to drive home.

4. Why Buy Today: After selecting the right car it is time to tell them why they should buy it now. It could be any number of reasons depending on the car. It could be special financing, other interested buyers or the big sale that is going on.

5. Walkaround: During your car salesman training you will be instructed on how to do a proper Walkaround which is exactly what it sounds like. You show the customer all of the features and benefits from under the hood to the interior.

6. Test Drive: You car sales training will also show you the key points of taking your customer for a test drive while you have the potential car buyer focus on the areas or options that are important to them.

7. Negotiation: You learn how to present numbers and payments to the customer and overcome objections which keep you car buyer from saying yes.

8. Closing: Now its time to close the car sale. There are many different car sales closing techniques which you can use to close the car sale which are based on the type of customer you are selling.

9. Delivery: The car salesman training will take you from doing paperwork to greeting the car ready for delivery and introducing your customer to the business manager.

10. Follow Up: The final step of any quality car sales training system includes following up with your customer. It is important to have a happy and satisfied customer so they will return and buy more cars over the years.

As you can see, there is much more to selling cars than driving cars and collecting checks. Each step of the car salesman training is quite involved and could cover all of the word tracks, sales scripts and psychological factors that are involved in selling cars professionally.

Ways to Save on Car Insurance for Your Renault

According to the World Car Market, Renault is one of the top ten car brands in the world today. With such a quality investment, it’s important to get the right insurance. Even with the growing number of online comparison sites, it’s not always easy to find the right level of cover at an attractive price. Here are some tips that might help you save money on car insurance for your Renault:

1. Don’t hesitate to switch insurers:

There are plenty of people who stick with the same insurer for twenty years. Perhaps they’re happy with the service they’ve obtained in the past, or maybe they like the speed with which their insurer processes claims. That’s fine – if you’re 100% happy with your current insurer, by all means hang on to them. However, if your reason for staying with one company has more to do with apathetic inertia than customer satisfaction, you could be paying too much by not bothering to investigate the competition.

2. Add your most responsible female family member as a named driver on your policy:

The more good drivers that are designated ‘named drivers’ on your policy, the better the insurer likes it. If the added driver is a female with a long, clean driving history and no previous claims, that’s even better. From the insurer’s point of view, adding a responsible driver to your cover helps spread the risk. If the risk is reduced, there’s a chance the cost of your premium may be too. It doesn’t actually matter if this person hardly ever drives your Renault.

3. Practice the fine art of bargaining:

Always ask for a cheaper price on your premium. If you own a smaller car like a Renault Twingo, your insurance shouldn’t be costing you as much as what your neighbour pays for his Hummer. If it is, you need to do some serious negotiating (or find another insurer).

Once you’ve sorted out the fine details and your insurer has provided a price, it’s time for some haggling. The trick is not to ask for too much of a reduction (5-10% is reasonable), because you’ll probably get an outright refusal. Also, if you try the ever-popular “Insurer B will insure me for 20% less” assertion (which you’ve just made up), the person in front of you will suspect that either (a) you’re not a very nice person for lying to them, (b) you are a bit silly for not grabbing that other insurance, or (c) you must have been quoted a very basic, no-frills policy which you’ll be very sorry about later. Most car insurers have a pretty good handle on what everyone else in the business is charging, so don’t assume you know more on the subject than they do.

Even if you only get a premium reduction of 2%, that’s better than nothing. Polite haggling has become more socially acceptable, so don’t be afraid to try it with the car insurance for your Renault.

4. Be sure to provide the insurer with all your good news:

If you have never had to make a car insurance claim, this is something your insurer should know. If you recently completed an advanced driver safety course, this too may help reduce your premium.

How To Pound Out, Or Pop Out, A Car Dent, Diy Auto Body Dent Repair


(or Ball Peen Hammer)
(or Solid Metal Piece)

Auto body dents come in all shapes and sizes, from a large crease, to a shallow depression or just a little ding. One quality they all share is they distort the original shape of the sheet metal. The general definition of a dent is any place where the metal of the cars body has been stretched. So, in order to repair the car body, one has to bring the dent back to its original shape by un-stretching the metal. Depending on the type of dent, one can pop out the dent or pound out the dent.

If youre the DIY (Do It Yourself) type, then you’ll try to repair dents in your car’s body yourself. Before attempting this, compare the costs of hiring a professional with your confidence of doing the job properly yourself…and be honest about your auto body repair experience and ability. If youre one of those people that starts a car project and then gets frustrated half way through because its harder than you thought, (YOU know who you are!) then it is probably best only to risk a dent repair job yourself with an older, less expensive car. That way, the repair costs might already be more than the car’s actual value. Even then, you may only be able to repair fender dents, as they can be removed without anything from the car’s interior getting in the way (IE inner door panels).

There are two main types of car dent repairs: paint restoration repair and dent repair without paint. The first type of dent repair is for minor dents and dings, and paint restoration dent repair is for when serious damage was inflicted on the car body part(s). Many car owners, especially in this economy, are looking for ways to get around paying to take their car to an auto repair shop. With this in mind, Ill cover both DIY small dent removal and large dent repair. Ill put a disclaimer right up front that the following methods with not work for every dent, every time. Yet, there is no harm in trying them to save a buck.

Small Dents & Do It Yourself DIY Fender Dent Repair


Most cars today feature a car body so thin and flexible that dents can be created accidentally…by simply leaning on your car! Most very small dents can be easily repaired with a soft hammer. Always aim for the center of the dent, to avoid making new marks on the outer circumference of it, and pound out the depression. NOTE: you may have to view the dent from the underside of the car. With a fender dent, this can only be done by raising the vehicle and removing the wheel under the dent. Then, while hammering with one hand, you can feel the outside of the fender with your other. This allows you to check that the dent is evenly pushed out. If you *still* cant remove the dent, jump ahead to the large dent removal section of this article, as you will have to remove the fender from the car.


You can heat the convex (dented) portion of a car dent with a torch, lighter or hair dryer, until it glows a dull red. Then stop heating it and let the dented surface cool. As the metal cools, the dent will shrink back, and hopefully pop out, leaving the surface very close to original.


If you are not able to pound out your small dent easily, you may have a medium dent in your car. In that case, you can attach a large suction cup with a handle to the dented car part…and pull out the dent. How does this work? As you squeeze the cup against the car bodys dented surface, you are actually squeezing the air out from underneath it. The resulting vacuum you create causes the suction cup to stick onto the surface. Start by placing the suction cup along the edge of the dent, pulling it out, and slowly working your way inward. If youre still having trouble, you should try tapping the dent with a soft hammer, from the inside, while you pull out the dent from the outside.


Dry ice may be used to repair a small car dent, and is sold by many grocery stores. (Always remember to use gloves when handling dry ice!) Simply place the dry ice in the center of the dent, wait for it to attach firmly to the car body, and gently pull out the dent. You may have to repeat this procedure several times for the dent to be totally removed.

Large Dents & Do It Yourself DIY Car Dent Repair

OK…the Intro To DIY Dent Removal 101 class ends HERE. The following techniques are for large dents, requiring more car repair experience and skill. Start by removing all bolts from the fender, and taking it off the car body. If you cant remove the fender, there is at least one hidden bolt left intact…find it and remove it. NOTE: Never force the fender off a car. (*Some* mechanics also recommend you drill a hole in the center of the dent, using a 1/8 inch drill bit. This is entirely up to YOU. If you are using a dent repair kit, you will most likely find a plastic adapter and glue gun included, and these would be used for that task.) Once the fender is lifted off, use a heavier hammer to pound out the dents from the fender’s underside. Always start from the CENTER of the dent and use short, small taps on the dent, not long, hard ones. As you pound out the dent, hold a hammer dolly against the outside of the fender to prevent making new protrusions around the dent. If the fender supports are bent, be sure to straighten them back out with vice-grip pliers. After youve successfully fixed the dent, simply re-attach all the bolts and put the fender back on the car.

Body hammers and hammer dollies come in many shapes, sizes and weights. First, examine the dent closely with a ruler for depth and length. Then, always choose the best-shaped and smallest size hammer that will do the job, and the dolly that has the closest curvature to the dented panel. If you don’t have body tools, you can try to use a ball peen hammer and solid scrap metal piece as your dolly. This will take a lot of taps, but wont do as much damage to your car body panel. Since all dents are unique, so is each dent repair, and you truly have to use your own best judgement to get the metal straightened. Start by placing the dolly against the top side of the dent and, swinging the hammer from the underside of the dent, begin tapping with MANY short, small taps.

The fender pictured above has a typical dent in the side: oval-shaped, 3 inches long and 2 inches wide. In that case, they used a hammer with a large, flat round top, to be sure the overall force of the blows would be evenly transmitted over an area of a couple square inches. This helped pound out the dent without creating unsightly, little pin-sized mounds. The head of the hammer should strike the sheet metal flat against its surface, as, at the same time,
you hold the dolly directly over where you are striking.

Note that, after every few taps, you must lift the dolly and examine the dent to be sure the taps are reducing the depth of the dent AND not resulting in little convex dents. If the taps are leaving little mounds on the surface, you must start using a hammer with a larger head. If the dent hasnt moved at all, put the dolly down and hit the inside of the dent harder. After the dent popped out, it left a slight raised section, which is easily seen under the straight edge.

If you pop out the dent, but end up with one spot that stands up too high, dont worry. This is common, and there are two ways to fix this reverse-dent. This time, put the dolly underneath the fender and gently tap the convex (raised) area with the smaller head of the hammer. Repetitive, small hammer hits should level the surface completely.

How To Tell If The Repair Conforms
To The Original Car Body Surface?

Using the body file, you can find the high spots that need additional attention, and very lightly tap them down until the surface returns to its original shape again.

You can now file the once dented area, scraping off the etching primer coating. As you file the surface, take note of which areas are still a little low and which are now a bit too high. Go back and re-do one of the above methods until the dent is removed enough to meet your standards. Then, use a medium grit disk mounted on a drill to grind the paint down to the bare metal for at least one inch around the dent. Next, fill the area with a high quality body filler. Allow that to dry completely, then sand the area with a block of wood wrapped in sandpaper. Prime the area with 6 coats of automotive spray primer. Be sure to allow each coat of primer to dry completely before applying the next one over it. Sand the primer using a 600-grit wet and dry sandpaper to remove scratches. Touch up the area with a matching automotive paint. When applying automotive paint, do so using a spray gun and in a brisk, fluid motion. If the newly painted area is not smooth, re-sand and re-paint it until it is.

How good you need your dent repair to be is really up to each individual. You can keep working the dent until your file shows the metal surface is perfect, or you can leave little low spots to be filled later with body filler. NOTE: Overworking the metal can leave it brittle, and it might begin to crack instead of bend.

Sometimes…Less IS more! *smile* Generally, if you are considered (by yourself or others) to be a Perfectionist, then its probably best to have your car professionally repaired to its original, perfect self. Otherwise, you might find yourself endlessly obsessing and working the dent until it cracks. If your standards are more flexible, youre on a tight budget, and are handy with a hammer, then try our dent repair methods and let us know how it goes…GOOD LUCK!

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