Dsemployments

Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled.

The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. For example, in “the general theory of finances” there are two definitions of finances:

1) “…Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage”. This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character;

2) “Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production”. This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification.

First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the depreciation fund which is the part of financial domain, belongs not to the distribution and redistribution of the national income (of newly formed value during a year), but to the distribution of already developed value.

This latest first appears to be a part of value of main industrial funds, later it is moved to the cost price of a ready product (that is to the value too) and after its realization, and it is set the depression fund. Its source is taken into account before hand as a depression kind in the consistence of the ready products cost price.

Second, main goal of finances is much wider then “fulfillment of the state functions and obligations and provision of conditions for the widened further production”. Finances exist on the state level and also on the manufactures and branches’ level too, and in such conditions, when the most part of the manufactures are not state.

V. M. Rodionova has a different position about this subject: “real formation of the financial resources begins on the stage of distribution, when the value is realized and concrete economical forms of the realized value are separated from the consistence of the profit”. V. M. Rodionova makes an accent of finances, as distributing relations, when D. S. Moliakov underlines industrial foundation of finances. Though both of them give quite substantiate discussion of finances, as a system of formation, distribution and usage of the funds of money sources, that comes out of the following definition of the finances: “financial cash relations, which forms in the process of distribution and redistribution of the partial value of the national wealth and total social product, is related with the subjects of the economy and formation and usage of the state cash incomes and savings in the widened further production, in the material stimulation of the workers for satisfaction of the society social and other requests”.

In the manuals of the political economy we meet with the following definitions of finances:
“Finances of the socialistic state represent economical (cash) relations, with the help of which, in the way of planned distribution of the incomes and savings the funds of money sources of the state and socialistic manufactures are formed for guaranteeing the growth of the production, rising the material and cultural level of the people and for satisfying other general society requests”.
“The system of creation and usage of necessary funds of cash resources for guarantying socialistic widened further production represent exactly the finances of the socialistic society. And the totality of economical relations arisen between state, manufactures and organizations, branches, regions and separate citizen according to the movement of cash funds make financial relations”.
As we’ve seen, definitions of finances made by financiers and political economists do not differ greatly.
In every discussed position there are:

1) expression of essence and phenomenon in the definition of finances;

2) the definition of finances, as the system of the creation and usage of funds of cash sources on the level of phenomenon.

3) Distribution of finances as social product and the value of national income, definition of the distributions planned character, main goals of the economy and economical relations, for servicing of which it is used.

Every woman starts to become interested in skincare as she ages and sees those fine lines forming around her eyes and mouth. Those wrinkles and sagging skin that just doesn’t glow like it used to. And many women start to realise that natural skincare products are by far the best skincare products. But how do you find the best natural skincare products?

However the first question to ask is why would you want to use natural skincare products? What does “natural” mean and what is the difference between “natural” skincare products and other skincare products?

There is no formal definition of “natural” when it comes to skincare and anti aging products. However to me “natural” means “safe” skincare products.

Safe? Aren’t all skincare products safe? Why would they be unsafe?

Sadly the answer is that not all skincare products and anti aging products (or cosmetics or beauty products for that matter) are safe. It is gradually becoming known that many skincare and anti aging products and cosmetics, perfumes, body care and beauty products contain ingredients that may in fact be damaging to your skin or even your health. I first became aware of this when my young daughter had a terrible skin reaction to her first use of cosmetics when she had her first ballet concert, and have been interested in this ever since.

Many ingredients that go into our skincare products and cosmetics in the US are banned in other countries, like European countries. But here it’s perfectly legal to use suspect ingredients in our skincare and anti aging products and the FDA doesn’t regulate against this. The problem is so bad that there are whole organizations set up to try and foster the manufacture of safe skincare products and cosmetics.

I’ll give you an example. A recent study found lead in over 50% of big brand lipsticks tested. Scary isn’t it?

So many people are turning to natural skincare products and cosmetics to find safe products. And of course they want to find the best natural skincare products because the companies that make skincare products from all natural, and safe, ingredients, aren’t the big brand name companies.

Most companies that make natural skincare products have signed the “Compact for Safe Cosmetics” to evidence their commitment to producing safe products. And these natural skincare products are usually much more effective than their less safe but more well known cousins which you see advertised on TV and on the shelves of the stores.

That’s because the companies that make the best natural skincare products are small niche companies. They can’t compete on marketing budget, so they compete on product quality. To survive they need to produce top shelf products so that customers come back over and over again. So they don’t need to spend up big on TV advertising.

There are excellent natural skincare products made up into a complete scientific skincare system that are available to buy and are safe to use, and extremely effective. They aren’t made by the big name skincare companies or cosmetics companies, but if you manage to find them they are cost comparable or even cheaper than the big brands, and safe to use.

Survival China Travel Tips and Tricks

These China Travel Tips, Survival Techniques, will help you get around and make your trip to China easier, so you will be able to experience the real China with a little less stress.

China is an odd beast that needs to be respected; the major cities, Beijing, Shanghai, and Xian, all have their own personalities.

Some complex situations that you think would be an organizational disaster turn out to be great and you wonder afterward what all the fuss and worry was about. Then the simplest of tasks can turn out to be a major calamity.

This is when you have what we call here a “China day”.

These days come and go and are part of the experience of everyday travel in China. One needs to have an open mind when travelling China. It is a place with thousands of years of history and culture that is trying overnight to adapt to Western ways of living.

You need to have a very open mind when you Travel in China.
I have listed below a few China Travel Tips that will make life that wee bit more bearable on your Travel China experience.

China Travel Tips – Be Toilet Wise

o Never expect a clean toilet 100% of the time.

o Be prepared; Carry some tissue.

o You may have to use a squat toilet, again if you know this before hand it is not a shock. If you don’t know how to use a squat toilet, try the following experiment at home.

While holding onto something for support with both hands, lower your body down into a low squat position, so that the cheeks of your bottom is almost touching your heels or the back of your calf. Now, let go with your hands. See if you stay in this position for at least 1 minute. If you fall backwards or you cannot get up, then a squat toilet could be a problem for you! Practice, you will be happy you did.

o If you see a clean toilet, Go… it may not come again for a while.

o There are many public toilets around the cities, usually the ones you pay for are OK, (RMB .5), the others best to stay away from if you can. You will soon notice them as you walk around the cities.

o Be warned that public areas like bus and train stations are usually what I class as “tough toilets”, however if gotta go you gotta go.

o Outside of the major cities, the toilet systems are old or have very narrow plumbing /pipes and get blocked easily. In these cases a small basket is usually beside the toilet, this is for your used toilet paper.

One of the best China Travel toilet Tips I can give you, is use hotel lobby toilets; these are everywhere and are always clean. Still they may not always have toilet paper. It depends on the class of hotel that you are using.

I do not wish to scare you. However, of all the China Travel Tips in all the other web sites I have read, this is a topic not often mentioned, but it is very important to us all.

So outside of the major cities conditions can be tough. But most of the time everything will be fine, especially if you book a tour; everything will have been checked out before hand. However even the best laid plans can go wrong, so be prepared, the toilets in the smaller cities, towns and villages can be scary.

China Travel Tips – The Food

o The food is great and the variety is overwhelming. Most of the time you get to choose what you eat, or you can recognize what you’re eating, however sometimes you do not get a choice. Carry a chocolate bar or something; this will keep you going until some food that you can recognize turns up. Drink bottled or boiled water, as the tap water is NOT safe to drink, this is for the whole of China. Even boiled water, while sterilised can contain a lot of minerals and iron deposits that you probably do not want in your system. The safest bet is to drink bottle water. Tap water in most big cities is OK for brushing teeth.

o Eating habits – Most Chinese people have a great habit of being very noisy when they eat and lunch and dinner times can be a wonderfully noisy celebration, food tends to go in all directions, its just part of being in China.

o People also smoke at the table while everyone is eating, so some restaurants get very loud and smoky.

o If you get stuck what to order as most of the menu’s are in Chinese just look at the table next to you and point to the dish you fancy and ask how much it is, this system works really well and know seems to mind.

o I have a basic menu that will help you order safe food, (no Cats or Dog) this will enable you to visit a larger selection of restaurants, not just the tourist ones with high prices. You can carry it with you and use it in the local restaurants where most will be able to serve what is on it. This way you will know what you are eating.

These local places are very cheap and the food it great. Contact me if you would like me to send it to you.

China Travel Tips – Taxis

o China Travel Tips- Taxis – Taxis are an experience that can have you griping the seat and gasping for breath; however you soon get used to it, after the first few rides, you’re an old hand.

o The taxis in Shanghai are, overall, quite good. Try to get the Blue, Blue’ish Turquoise, Gold and White taxis, these are the best… these are the four major taxi companies and are generally recognised by their single colour paintwork. The others are OK, just older and a rougher ride (the others also may have faulty metres). No drivers will speak English.

o Carry your hotel or accommodation business card with you, written in Chinese, this helps if you get lost walking around town.

o In all the taxis around the country you will see the drivers name and taxi registration number in plain sight. If you have any problem, or if you think you have been over charged etc, just take this number down, make a big fuss about it, and the driver then should wake up and fix whatever problem you have. Even better is to take the receipt. This has all the trip details on it and you can ring the taxi company if you want to take things further or if you’ve left something in the taxi.

o The government takes rip-off drivers in all cities, Beijing and Xian especially, very seriously and if you complain they will lose their license. This is their livelihood. So far I have had not one driver in 3 years that has not backed down and we have then agreed a price for the trip or solved our problem.

o In Shanghai, it is common practice for taxi fare increases after 11pm. However, one can usually bargain for a 20% discount, which will get the fare back to the pre-11pm rate.
Be strong with the taxi drivers, never-the-less, keep your cool, smile and negotiate.

China Travel Tips – Shopping

o China Travel Tips – Shopping – China is a shopper’s paradise, Markets, Bargains; Top labels… anything and everything if you have the time. With clothes, the larger (Western) sizes can be quite hard to find, however in the major cities where you get a lot of tourist traffic, you can find them.

o Electrical gear, DVD’s, Cameras, stuff like this is not worth buying in China, Hong Kong is still the best place for this.

o Store hours in the major cities are from 10am to 10pm, 7 days a week.

o Visa card is still the best card to carry, with ATM’s in good supply all with PLUS access etc.
There is usually a surcharge for use of VISA, MasterCard or other forms of credit card.

o Wait on purchasing if you can, look around to get a feel for the prices. The Chinese are VERY experienced at selling and know that we halve the opening price when bargaining.
In the markets go for 25% of what they first ask; go so low that they let you walk away. This will give you an idea of the bottom price. The resulting end-price will probably be around 40% to 50% of where they started.

Whatever the market people say, they are used to pushing and haggling for best prices. Do not worry about being too hard, they are used to it and will not sell you an item unless they make a profit. Don’t be concerned with the apparently hurt body language when you go low – it is all part of the game. As soon as they have wrapped up your first purchase, they will try to sell you something more. Remember to keep smiling and having fun while bargaining.

China Travel Tips – Medical Treatment and Records

o Most hotels will have a doctor that you can see. In the major hotels English will be spoken.

o Always take a small first aid kit, cold remedy, headache tablets at the very least. WATSONS is a very large chain chemist. Most of the remedies, tablets etc, that you may require should be in these shops. These shops are all over China.

o There is a great network of pharmacy type shops; these are indicated by a Green Cross. There will always be a 24 hr Green Cross pharmacy in the city you are in. It is handy to carry a Phase book, as no one will speak English, however you will end up with something that will help.

o INPORTANT POINT – for most of the mass produced packet type medicines, the packaging will be written in Chinese on one side, English on the other. However in the shops you only see the Chinese side. Have a good look, turn the packs over, it gives you a lot more confidence knowing you can read the package.

o If you have a specific medical issue, take records, most of the Doctors will have OK written / reading English, even though their oral English will be poor.

China Travel Tips – Telephone

o Using the phone is as easy as at home. However the person picking it up will not speak English or have very broken English… the Major 4- or 5-Star Hotels will all be OK.

o What is worth doing is buying a Chinese Telecom SIM card, they are about RMB100 and with this you get RMB50 in calls, the other 50 is for the price of the SIM card; this SIM card will go into all major brand phones and work OK.

By doing this, people can reach you within and out of China if there is an emergency. If you have a couple of phones, you can short (txt) message each other (SMS). Also you are able to call your tourist guide, hotel etc if you have any major problems. It is a cheap way to keep in touch.

NB.Before you buy a Chinese SIM card, check that it will work in your Cell / Mobile phone. There are plenty of China Telecom shops that can help.

China Travel Tips on when NOT to move around China.

o Spring Festival, this would be the Chinese New Year time, around the end of January / Early February

o Early May; Labour day Holidays

o Early October; National Day Holidays

Of all the China Travel Tips National Day is the biggest one. Millions of Chinese travel at these holiday times of the year. Most are travelling back to home towns or visiting family. Hotels, trains, planes, cars, buses, and roads are all crowded to the maximum. Major congestion, everywhere.

Also travel fares are at their full price. No discounts are offered!
Stay in one place and enjoy where you are. It’s best and causes fewer hassles.

China Travel Tips – TV

o If you want to watch TV, most of the major hotels will have cable and if you are in the smaller places, the national channel, CCTV9 is in English. Over the last couple of years it has got a lot better, with some great China Travel Tips programs, news and views on people and places around China.

China Travel Tips – Airport Tax

o There is a “construction fee” at almost all airports.

Domestic flights RMB 50
International flights RMB 90 – which is to be paid in local currency.

Just recently, tickets are being tissued with the Construction Tax included; however make sure you have the Tax money with you just to make sure.

I hope some of these China Travel Tips will come in handy and will make your trip to China that little bit easier.

If you have been to China and wish to share your China Travel Tips, please feel free to contact me anytime.

Market Driven Innovation (MDI) is designing, managing and implementing your innovation process based on the needs and wants from your key markets. MDI is not new, but still today, many companies have found it difficult to transform their innovation work from their entrenched technology and product forward approach they have been using to a market back approach. Often, their entire business processes have been built around their assets and products they produce and their go-to-market strategy based on their historical sales experiences. The result of this behavior is premature commoditization of their value propositions, their most important assets. Market Driven Innovation is based on a strict set of principles:

o Engineering/technical resourcing decisions are made based on a validated market need and an attractive business case.

o Organizational Focus is achieved from understanding market segments and targeting the most attractive segments for growth

o A cross-functional team approach, marketing, technical, and sales all contribute to the growth initiative together, and thus are aligned on the strategy:

o Accelerated ramp up after launch from a higher operational knowledge of the market

o Accelerated technology development because better design specifications from a segmented market

o Driven by business leaders who make resource allocation decisions consistent with the strategic direction of the business, and link development to marketing process.

Market Driven innovation begins with a business orientation towards specific and targeted markets. These markets define strategy which defines resource allocations especially those resources dedicated to the innovation process. In this context we define innovation as the creation of value, and Market Driven Innovation as placing emphasis on customer values, beginning with choices as how a business goes to market; to how they position their brand and products in those markets they proactively choose to serve; to the nature of their product improvements; and to their search for new products and services that may more effectively meeting the emerging future needs of their targeted markets.

Identifying these target markets is core to Market Driven Innovation. Understanding what drives market growth and major unmet needs of the key market players as well as how they define value and establish the basis for generating growth ideas and concepts – straight from the market. These ideas and concepts are the genesis of the innovation process. The more market back concepts, the more opportunities for successful growth. Knowing target markets enables a business to:

o Design, communicate, and deliver more robust value propositions aimed at specific market segments

o Capture more of the value we provide because they can measure the value and make strategic pricing decisions that are consistent with their marketing strategy.

o Apply resources more effectively where they bring value by focusing them only on where value is identified.

o Develop and bring new offerings to the market faster because they know what the market values and how to deliver their offering based on value.

o Evaluate new markets where they can bring more powerful value propositions and new offerings

These elements of business design when generated from a market back learning model, form the basis for a market driven organization, and more specifically, Market Driven Innovation as a core driver of your growth process:

o Provides business management with facts from direct contact with the marketplace to decide which concepts merit moving forward with resourcing.

o Balances depth and speed in this disciplined approach using an organized set of activities.

o Enables cross function teams to develop a common understanding, direction, and shared values throughout the innovation cycle

o Enhances chances of success

Voice of the Customer (VOC) captured early and operationally is an essential component of creating and delivering value with the growth process. Capturing VOC is not a trivial or casual activity, and well thought our and designed VOC is critical to Market Driven Innovation. Effective VOC requires:

o Learning Customers desired outcomes – what they want to happen to help them become more successful.

o Getting to Fact based and data driven information that can be translated into offering features that address the customer outcomes.

o Clearly identifies the benefits the customer will receive and thus the discrete value they will place on an effective solution to them.

o Must be well understood by both marketing and technical in the same way with an aligned sense of the relationship to strategy and core competencies.

VOC is the work you do and do well before you even think of applying technical resources to do product development work. In this regard, you don’t misuse valuable and limited technical capacity. Technical people need to focus on projects that have been market validated both to focus their limited resources and provide them with advanced market specifications that help accelerate the development cycle.

To this end, as we will discuss more later, you engage your technical resources along side of your Marketing people to co-learn VOC, and thus both are better prepared to do their work that is defined by your targeted markets. In this way our resources are aligned from day one of an innovation effort through to launch of a new offering. A key outcome of an aligned and shared approach is achieving success faster and at less overall cost. No wasted costs as a result of false starts and lingering stops.

The three key components or a successful change to market oriented MDI are:

o Creating The Right Mindset – Leaders set the agenda

o Building the necessary skill set – A common framework for implementing

o Providing the best toolset – Fact based information guides decisions

Incorporating all three into the business process is a requirement for successful transformation to a market driven organization. It’s as straight forward as knowing where you are going, how to get there, and a map to take you there. We will discuss each of these three success drivers in more detail below

Creating the right mindset

Leaders must take charge of the agenda beginning with examining and changing how they lead, what marketing and technical practitioners do differently, and most importantly, how they work together using a rigorous framework from concept selection through to offering commercialization. Leadership owns the MDI process highlighted below. The first two levels in the process, Concept Development/selection and Market Validation are the critical elements. In this model, Leadership does not resource technology development until sufficient market evidence and validation provides the basis for resourcing. Technology resources only work on market validated concepts. Leadership’s ownership of the process means they:

o Demonstrate the value and set expectation

o Focus and align the organization around strategic direction and core capabilities.

o Identify, and guide the performance requirements necessary to generate the profit results.

o Organize people to assure the right combination of organizational strengths are applied to both know and act effectively on markets.

Three crucial questions are answered in market validation and business case development:
1. Is there an external basis for believing the concept has sufficient value to the market to proceed?
2. What is the best validated value proposition that sets the design basis for development?
3. Can we make money from developing and commercializing this value proposition?

Building the Necessary Skillset

The Innovation provides the basis for skill development and tool utilization. Each element of the framework requires specific work designed to deliver decisions to move from one element to the other. A short description of the work elements are describe below.

Concept Development and selection: Developing and characterizing concepts (sometimes called the “Fuzzy Front End”). Idea generation methods are generally well-known and most work well enough to assure a good set of concepts to evaluate. What we uniquely require is a concept characterization approach that helps the evaluators better understand and choose among several concepts.

Market Validation: Once a project has been chartered, a decision (stage gate) is made to resource to development and includes four key components, validated market landscape; Value Proposition Development; Competitive Alternative Assessment; and Business Model Evaluation. A validated market landscape identifies and characterizes the market spaces in which the concept may bring value. In this context, it provides the basis for demand, and thus the first real attempt at generating revenue potential. It identifies the key specifiers and influencers, and begins to describe their unmet needs that the concept may address as well as key hurdles that must be overcome to have a successful and sustainable initiative.

The Value Proposition is a description of the value your concept will bring to the targeted market, the benefits the market will receive, and how you will get paid for bringing the value. Value proposition development is the holy grail of marketing. If you learn your value proposition, and it truly brings the market real value, you can build the remainder of your growth initiative around it. Value propositions must be measurable and actionable.

Business Case Development: Before you engage in developing the required technology, answer the questrion – “Can we make money on this value proposition?”. Market Driven Innovation often requires a new way to go to market to accelerate and maximize acceptance and value capture. Value adding chain analysis through to the end user is an important skillset to utilize for business model evaluation. Business models are defined by what customers are selected; how we capture value; our level of strategic control; and the scope of our value proposition. The Business Case should be determined as early in the innovation process as possible. Opportunity modeling can provide the necessary basis for understanding the top line potential and the marketing cost for the innovation.

Technical Development:Effective market validation provides the product developers/designers a clear and crisp basis for building in the necessary design elements into an innovation. We now know the needs (what the market is willing to pay for) and the wants (potential areas of uniqueness). No more starts and stops caused by changing specifications from learning on the fly. Product developers can utilize their best practices with the certainty that they are on the right track. Because we begin the development process with clear market understanding, we now can bring the key customers into the development cycle early and often. We know their testing protocols, and their current standards by the competitive alternative they are using today. We design, we test, we engage the customer to test, we upgrade. Active parallel processing accelerates the development process and we get to launch faster.

Commercial Launch: Preparing for the launch includes the short term developing the marketing entry plan and the marketing mix, and the longer term multigenerational planning. These should be done together since the longer term positioning could have an effect on the launch protocol. The launch plan includes the target market; the offering positioning based on the value proposition; the communications strategy and plan; the channel strategy and plan; the pricing strategy and implementation plan driven by long term optimal pricing decisions. Multigenerational planning (beyond the launch); includes second and third generation offerings; strategy mapping; and a revenue acceleration plan. The managing process and control plan are incorporated into the commercial launch to assure optimum demand creation and delivery

Providing a Useful toolset

The toolset necessary to enable Market Driven Innovation consists of an integrated qualitative and quantitative set that enables the Market Driven Innovation team to successfully address the critical market questions identified in their chartered project. Two interdependent approaches make up the composite of Voice of the Customer (Market Driven). Together, they are designed to answer all the questions necessary to progress through the innovation process defined earlier.

A qualitative market learning tool should be installed to translate concepts into possible value propositions, begin the segmentation process, define the industry structure and dynamics, and expose the relative value vs. competitive alternatives. It also provides the basis for design of the quantitative VOC that follows once a decision is made to proceed to the business case and technical development stages.

A quantitative instrument that captures: concept tests including value elements and price; attribute importance rankings and current performance ratings; outcomes rankings; feature benefits; and competitive ratings. Other pertinent information to assist in segmentation should also be incorporated.

Getting Started With Market Driven Innovation: Market Driven Innovation can either be installed inside a business unit which is structured with both a technical and marketing unit, or can be institutionalized within a corporation as “the way we innovate”. The initiation for each is different given both the breadth and depth the sponsors must address in the change process. It is simpler and much faster to initiate change in an organization that is both ready and organizationally integrated. The leadership can evolve the change live while doing their innovation work by starting with a few projects that are definitive and have a short horizon. As the teams demonstrate success the change process takes on a life of its own and becomes a natural new way of doing work. The basic framework for such an approach is:

o Leadership diagnostic to define both scope and level of change required. Many groups already have an external perspective to their work and thus, change becomes a reinforcement of their beliefs.

o Develop and agree on a project plan to install MDI.

o Training the leadership and team on MDI elements. Utilize one or two projects to exemplify throughout the training. Note: the idea here is just in time training. Teams are trained on each element then they experience the element and move forward to training and experience thought each stage of the process. Prevents training fatigue and accelerates progress towards commercialization

o Select and charter projects.

o Customize framework to fit organizational culture and existing operational approaches and language.

Looking for a great place for vacation with family? Europe is one lovely continent where everyone has an ample number and variety to choose from according to their interest. However, this can also confuse the travellers since they may not be able to decide as where to go and what all to skip. For this, there are numerous pre-set Europe travel packages which are available to the tourists to choose from.

These travel packages which are available to tourists for holiday are prepared keeping in mind the general interest and preference of the tourists. For those who have an interest in history, the places and destinations which have a high historical importance are included in the packages and thereby suit the tourists. Also, for those who have an interest in architecture, such people can take up a package which is prepared keeping in mind architectural wonders of the continent of Europe. Out of these Europe travel packages, the tourists can easily choose one and enjoy the best trip according to their interest.

The Europe travel packages that are pre-set and defined are also done considering the budget that a traveller has. Also, keeping in mind a time frame too, the packages can be obtained. Proper planning by online tour planners, tour guides for Europe etc precede the making of the package for the travellers which thereby suit their needs well.

Complete care of the travellers is taken. Europe travel package includes all the facilities for the travellers. Whether it is hotel booking, flight reservation, sight seeing, taxi bookings etc, all is done beforehand through the package organiser itself. Prior booking also helps in saving money of the travellers.

With Europe travel packages available to the tourists easily, they can make a readymade choice which suits their needs. This way they can have a great holiday and at the same time, stick to a proper budget as well as time frame.

Multi vitamins are so common these days you wouldn’t even think of them as a supplement. A multi vitamin is defined in the dictionary as “a preparation intended to supplement a human diet with vitamins, minerals and other nutritional elements.” The US government categorizes multi vitamin under “food”, because it contains 3 or more vitamins or minerals but does not contain herbs, hormones, or drugs.

The multi vitamin can come in many forms such as tablets, capsules, packs, powders, liquids and even injections; however, injections can only be prescribed by a doctor. There are many different combinations and doses of vitamins and minerals and many of them exceed the 100% recommended daily allowance. Depending on your physical needs, many of the excess vitamins and minerals that cannot be digested are harmlessly excreted out of the body. There are a few that will not exceed the RDA such as Vitamin A, Vitamin K, Iron, and many of the trace elements because they are not easily depleted unless under extreme physical stress and could become toxic if too much is retained in the body. Because the body’s nutritional requirements will differ depending on your physical requirements and diet, most multi vitamins are formulated for specific groups of people such as men, woman, over the age of 50,prenatal, stress relief and athletic.

Most multi vitamins will include these standard nutrients:

Vitamin A- Vitamin A plays a role in several functions throughout the body such as vision, bone metabolism, skin health, immune function, antioxidant activity and reproduction. It is found in many foods but these particular foods contain large amounts; liver, sweet potato, carrots, broccoli, kale, butter, spinach and leafy vegetables. Deficiencies in Vitamin A can cause impaired vision, particularly in reduced light (night vision), impaired immunity and red bumps on the skin called Keratosis pilaris. Too much Vitamin A can be toxic so do not take more than 5000 UI per day for males and 4000 UI per day for females.

Vitamin C- Vitamin C helps keep your immune system strong and is a powerful antioxidant, helps reduce the risk of heart disease, plays a major role in collagen production and it helps the body recover faster from a hard workout. Vitamin C can be found in many fruits, vegetables and in animal products such as raw cow’s milk and liver. Deficiencies in Vitamin C is known to cause Scurvy, liver spots, feelings of depression, their skin looks pale, and are more susceptible to lung borne diseases.

Vitamin D- Vitamin D helps the body absorb calcium and phosphorus and is necessary for thyroid function and bone growth. Vitamin D is naturally produced by the body when it’s exposed to sunlight however due to the negative effects of UV rays; many foods such as dairy products, oil, cereal and bread are now enriched with Vitamin D. You can also find Vitamin D in fatty fishes, eggs, and liver. Deficiencies in Vitamin D in children can cause Rickets, a growth deformity of the bones. In adults deficiencies can cause thinning of the bones (Osteomalacia) and reduced density of the bones (Osteoporosis). Vitamin D deficiencies have also been linked to diseases such as type 1 diabetes, high blood pressure, cancer, and multiple sclerosis.

Vitamin E- Vitamin E is another powerful antioxidant and is important for a healthy immune system. Vitamin E is important for hard training athletes as their immune systems can be worn down and make them susceptible to health issues. Vitamin E can be found in foods such as whole grains, nuts, milk, eggs, asparagus, vegetable oils and avocados. There have been no known symptoms of deficiencies in Vitamin E.

Vitamin K- Vitamin K plays a key role in blood coagulation, bone metabolism, and the circulatory system. Vitamin K is found mainly in green leafy vegetables but can also be found in avocados and kiwifruit. There are usually no symptoms of deficiencies in adults; however, adults that suffer from liver damage, cystic fibrosis, who have recently had abdominal surgery, bulimics and certain drugs may inhibit the absorption of Vitamin K. Symptoms of deficiencies are anemia, bruising and nose bleeding. Vitamin K should be stored in the cupboard as it will lose its potency in sunlight.

B Vitamins- There are 8 distinctive vitamins that fall under B vitamins umbrella and are discussed in detail in my previous article “B Vitamins Play an Essential Role in Metabolism”. B Vitamins play a key role in increasing the rate of metabolism, maintaining healthy skin and muscle tone, enhancing immune system and nervous system functions and promoting cell growth. B Vitamins can be found in a variety of foods such as animal products, legumes, yeast, fish, seeds and whole grains. Deficiencies in B Vitamins can cause various symptoms such as weight loss, weakness of the limbs, depression, sensitivity to sunlight, diarrhea, insomnia, acne, water retention, and high blood pressure.

Calcium- Is the most abundant mineral in the human body, 99% of it is contained in the bones and teeth. Calcium plays a role in many biological functions such as muscle contraction and as a neurotransmitter between cells, but Calcium’s claim to fame is its role in bone development and sustaining bone density. Calcium can be found in many foods such as dairy products, nuts, sesame seeds, lentils, and eggs. Symptoms of Calcium deficiencies are Osteoporosis and Osteomalacia, thinning of the bones.

Potassium- Potassium is a mineral that can reduce hypertension, heart disease and stroke. Potassium also plays a role in neurotransmission, muscle contraction and heart function. Most fruits, vegetables and meats contain Potassium in low quantities, but orange juice, bananas, kiwi, potatoes, tomatoes, broccoli, soybeans, brown rice, and garlic are rich in Potassium. Deficiencies of Potassium are rare but in severe cases of vomiting and diarrhea can lead to symptoms such as muscle weakness and cramps.

Zinc- Zinc is an essential metallic trace element which assists in many functions within the body. It is instrumental in immune response, brain function and plays a role in prostate gland health and reproductive organ growth. Zinc plays a major role in cellular metabolism as over 100 enzymes rely on zinc to be a catalyst in many chemical reactions. Zinc also helps DNA tell cells what to do such as hormone secretion and nerve impulses; which is important for growth and disease prevention. Zinc is found in red meat in high concentrations but it is also found in whole grains, beans, almonds, and various seeds. Deficiencies in Zinc can cause repressed growth, diarrhea, impotence and weakened immune system.

Magnesium- Magnesium is another metallic trace element that is essential for all cells in a living organism. Over 300 enzymes require Magnesium to be the catalyst in various chemical reactions including synthesis of ATP into energy. Magnesium also facilitates calcium absorption into the body. Magnesium is found in spices, nuts cereals, coffee, cocoa, tea and green leafy vegetables. Modern countries have inadvertently reduced the amount of Magnesium intake due to the food refining process and modern fertilizers; which do not contain Magnesium. Deficiencies in Magnesium do not usually show symptoms, however deficiencies have been associated with the development of certain illnesses such as asthma, osteoporosis and ADHD.

Chromium- Chromium is another metallic trace element that is required for the body’s production of insulin. Insulin is a hormone that regulates the body’s blood sugar levels. Chromium helps transport blood sugar from the bloodstream into the cells and is critical in the process of turning fats, carbs and proteins into energy. Good sources of Chromium are brewer’s yeast, meats, whole grains, nuts and cooking with stainless steel cookware. Symptoms of deficiencies in Chromium are rare; however, in severe cases it can cause weight loss, confusion and insulin resistance.

Manganese- Manganese is another metallic trace element that ensures healthy bones, bone metabolism and helps the body absorb Calcium. It is also involved in, insulin regulation, formation of connective tissues, thyroid regulation, collagen formation, metabolism of fats and carbohydrates and is a powerful antioxidant. Manganese can be found in many foods such as meats, nuts, garlic, green vegetables, brown rice, and raspberries. Deficiencies in Manganese are rare but can occur. Symptoms include bone malformation, high blood pressure, high cholesterol and muscular contraction.

Iron- Iron is another metallic trace element that is essential for life. Iron is essential to the proteins that are involved in oxygen transport and for regulating cell growth and metabolism. Iron can be found in meats, cereal’s fortified with iron and cooking with iron cookware. Deficiencies in Iron cause a lack of oxygen to be delivered to the cells and therefore results in fatigue, restless sleep, lack of concentration and decreased immunity. Conversely, too much Iron in the body is very toxic and therefore many vitamins state on the bottle either “with Iron” or “without Iron”. Iron’s RDA for men are 10 mg and for women is 15mg a day, but for athletes, it could be as much as 25 mg a day.

Selenium- Selenium is another metallic trace element that is essential in the activation of glutathione peroxidases, a powerful antioxidant. Selenium is also required for the proper functioning of the thyroid. Selenium can be found in many foods such as nuts, fish, meats, eggs crab and lobster. There are no symptoms of deficiencies of Selenium however when supplemented it seems to have a positive effect on male infertility, cancer cells, and tuberculosis.

How is your diet and what are your physical needs? The majority of Americans do not eat a balanced diet to provide them with all the nutrients to fight off disease, keep bones healthy, protect the skin, cardiovascular health, give us energy and in general to keep us healthy. The proper amount of each nutrient is dependent on your physical needs. Choosing the right multi vitamin can be difficult but here are some things to consider when purchasing a multi vitamin.

Athletes- You will need a multi vitamin with higher overall content as many of them are depleted or excreted out of the body via sweating or urination. These vitamins are especially susceptible to being depleted, B vitamins for energy, potassium for muscle regulation, iron for proper oxygen transport and muscle growth, Vitamin C for proper immune system regulation and calcium for strong bones. If your body’s Calcium reserves are depleted your body will “steal” it from your bones and can lead to future skeletal diseases. Many vitamins will contain amino acids for muscle building and recovery and high levels of antioxidants to eliminate the free radicals produced by a strenuous workout.

Adults over 50- May want to take a multivitamin that is higher in Calcium and vitamin D for bone health and to prevent osteoporosis. B vitamins are important for energy and proper absorption of nutrients from food and as we age, our bodies are less able to absorb them. CoQ10 for heart health and energy and as we get older our production levels decreases. Vitamin K for bone health and its antioxidant properties have been shown to prohibit the development of Alzheimer’s disease. Lycopene to reduce the risk of cardiovascular disease, diabetes and has been shown to have positive effects on prostate health.

Prenatal- Will have a higher concentration of B9 (Folic Acid) for proper brain, spine and skull formation in fetuses, calcium for proper bone formation and iron for the proper development of red blood cells. It will also have a reduced level of Vitamin A as it can cause health defects in fetuses.

Women- Need to have a multi vitamin higher in calcium for strong bones, as women usually do not get enough from their diet alone. Vitamin B9 (Folic Acid) for overall health, preventing genetic diseases, and may also prevent cancer and heart disease. Women also need more Iron as women do not eat much meat and they lose a lot of iron every month through menstruation.

Men- Need Boron for prostate health, calcium for healthy bones, chromium to regulate blood sugar levels, Folic Acid for regulating blood flow and reducing the risk of Alzheimer’s disease, glucosamine for joint health, and the omegas to reduce blood pressure and for heart health.

Stress Relief- Will be loaded with B vitamins as they produce anti stress hormones and vitamin C to prevent stress related illness.

Conclusion Most multi vitamins should be taken in the morning with a meal as some of the nutrients may cause an upset stomach. Multi vitamins are fairly inexpensive unless they contain high levels of expensive nutrients such as Biotin ($4,000 per active pound!) or contain other nutrients that are condition specific such as bodybuilding. Multi vitamins are worth the price and it the single most important supplement you can take to stay healthy. Think of multi vitamins as insurance for your body. You may not feel much of a difference right away but over time, when you are healthy, you will be glad that you took them.

A lot of folks only wish they could reduce what they pay as health and life insurance premiums. Thankfully, there are ways that would help anybody get lower rates. I’ll share a few ways in this article.

Like every other insurance policy, your rates are determined based on several factors. Every uses them to decide what you’ll pay based on the perceived risk in insuring you as shown by those factors. The following things make you a life insurance risk to an insurer thereby increasing your rates.

If you’ve smoked in the last 12 months you’ll pay more. If you still smoke till date or use any tobacco product, prepare to pay much more. I won’t be giving you any new information if I tell you that smoking is the direct cause of many diseases and makes others flourish.

Smoking is a habit that could be broken if you really mean it. People have succeeded in the past and so can you too. You only need to check groups out there that are committed to helping smokers quit smoking and you’ll get all the help you need. You’ll be doing yourself a lot of favor by reducing the chances that you’ll be a victim of certain killer diseases that are facilitated by smoking and/or tobacco use. And, yes, you’ll get lower life insurance rates.

Sports like skydiving, car racing and other dangerous sports make you a very high risk. Anything that makes you a high risk increases your life insurance rates. You have a choice between getting lower rates and indulging in such sports. If you want my candid opinion: I do think there are safe ways to get the rush (Go on a crazy ride in an amusement park, for example).

Occupations that expose you to great risks increase your risks accordingly. Changing to a safe profession will lower your life insurance rates.

While you do these other things to lower your rates, here’s what to do to get lower rates now. Visit reputable quotes sites that cover life insurance and get quotes. Visit at least three of such sites for the best results. It’s free, quick and easy.

Make sure you give your correct details as you fill the questionnaires presented. The last step is to simply pick the best price/value from the quotes return.

Introduction
Computer forensics is the practice of collecting, analysing and reporting on digital information in a way that is legally admissible. It can be used in the detection and prevention of crime and in any dispute where evidence is stored digitally. Computer forensics has comparable examination stages to other forensic disciplines and faces similar issues.

About this guide
This guide discusses computer forensics from a neutral perspective. It is not linked to particular legislation or intended to promote a particular company or product and is not written in bias of either law enforcement or commercial computer forensics. It is aimed at a non-technical audience and provides a high-level view of computer forensics. This guide uses the term “computer”, but the concepts apply to any device capable of storing digital information. Where methodologies have been mentioned they are provided as examples only and do not constitute recommendations or advice. Copying and publishing the whole or part of this article is licensed solely under the terms of the Creative Commons – Attribution Non-Commercial 3.0 license

Uses of computer forensics
There are few areas of crime or dispute where computer forensics cannot be applied. Law enforcement agencies have been among the earliest and heaviest users of computer forensics and consequently have often been at the forefront of developments in the field. Computers may constitute a ‘scene of a crime’, for example with hacking [ 1] or denial of service attacks [2] or they may hold evidence in the form of emails, internet history, documents or other files relevant to crimes such as murder, kidnap, fraud and drug trafficking. It is not just the content of emails, documents and other files which may be of interest to investigators but also the ‘meta-data’ [3] associated with those files. A computer forensic examination may reveal when a document first appeared on a computer, when it was last edited, when it was last saved or printed and which user carried out these actions.

More recently, commercial organisations have used computer forensics to their benefit in a variety of cases such as;

Intellectual Property theft
Industrial espionage
Employment disputes
Fraud investigations
Forgeries
Matrimonial issues
Bankruptcy investigations
Inappropriate email and internet use in the work place
Regulatory compliance

Guidelines
For evidence to be admissible it must be reliable and not prejudicial, meaning that at all stages of this process admissibility should be at the forefront of a computer forensic examiner’s mind. One set of guidelines which has been widely accepted to assist in this is the Association of Chief Police Officers Good Practice Guide for Computer Based Electronic Evidence or ACPO Guide for short. Although the ACPO Guide is aimed at United Kingdom law enforcement its main principles are applicable to all computer forensics in whatever legislature. The four main principles from this guide have been reproduced below (with references to law enforcement removed):

No action should change data held on a computer or storage media which may be subsequently relied upon in court.

In circumstances where a person finds it necessary to access original data held on a computer or storage media, that person must be competent to do so and be able to give evidence explaining the relevance and the implications of their actions.

An audit trail or other record of all processes applied to computer-based electronic evidence should be created and preserved. An independent third-party should be able to examine those processes and achieve the same result.

The person in charge of the investigation has overall responsibility for ensuring that the law and these principles are adhered to.

In summary, no changes should be made to the original, however if access/changes are necessary the examiner must know what they are doing and to record their actions.

Live acquisition
Principle 2 above may raise the question: In what situation would changes to a suspect’s computer by a computer forensic examiner be necessary? Traditionally, the computer forensic examiner would make a copy (or acquire) information from a device which is turned off. A write-blocker[4] would be used to make an exact bit for bit copy [5] of the original storage medium. The examiner would work then from this copy, leaving the original demonstrably unchanged.

However, sometimes it is not possible or desirable to switch a computer off. It may not be possible to switch a computer off if doing so would result in considerable financial or other loss for the owner. It may not be desirable to switch a computer off if doing so would mean that potentially valuable evidence may be lost. In both these circumstances the computer forensic examiner would need to carry out a ‘live acquisition’ which would involve running a small program on the suspect computer in order to copy (or acquire) the data to the examiner’s hard drive.

By running such a program and attaching a destination drive to the suspect computer, the examiner will make changes and/or additions to the state of the computer which were not present before his actions. Such actions would remain admissible as long as the examiner recorded their actions, was aware of their impact and was able to explain their actions.

Stages of an examination
For the purposes of this article the computer forensic examination process has been divided into six stages. Although they are presented in their usual chronological order, it is necessary during an examination to be flexible. For example, during the analysis stage the examiner may find a new lead which would warrant further computers being examined and would mean a return to the evaluation stage.

Readiness
Forensic readiness is an important and occasionally overlooked stage in the examination process. In commercial computer forensics it can include educating clients about system preparedness; for example, forensic examinations will provide stronger evidence if a server or computer’s built-in auditing and logging systems are all switched on. For examiners there are many areas where prior organisation can help, including training, regular testing and verification of software and equipment, familiarity with legislation, dealing with unexpected issues (e.g., what to do if child pornography is present during a commercial job) and ensuring that your on-site acquisition kit is complete and in working order.

Evaluation
The evaluation stage includes the receiving of clear instructions, risk analysis and allocation of roles and resources. Risk analysis for law enforcement may include an assessment on the likelihood of physical threat on entering a suspect’s property and how best to deal with it. Commercial organisations also need to be aware of health and safety issues, while their evaluation would also cover reputational and financial risks on accepting a particular project.

Collection
The main part of the collection stage, acquisition, has been introduced above. If acquisition is to be carried out on-site rather than in a computer forensic laboratory then this stage would include identifying, securing and documenting the scene. Interviews or meetings with personnel who may hold information which could be relevant to the examination (which could include the end users of the computer, and the manager and person responsible for providing computer services) would usually be carried out at this stage. The ‘bagging and tagging’ audit trail would start here by sealing any materials in unique tamper-evident bags. Consideration also needs to be given to securely and safely transporting the material to the examiner’s laboratory.

Analysis
Analysis depends on the specifics of each job. The examiner usually provides feedback to the client during analysis and from this dialogue the analysis may take a different path or be narrowed to specific areas. Analysis must be accurate, thorough, impartial, recorded, repeatable and completed within the time-scales available and resources allocated. There are myriad tools available for computer forensics analysis. It is our opinion that the examiner should use any tool they feel comfortable with as long as they can justify their choice. The main requirements of a computer forensic tool is that it does what it is meant to do and the only way for examiners to be sure of this is for them to regularly test and calibrate the tools they use before analysis takes place. Dual-tool verification can confirm result integrity during analysis (if with tool ‘A’ the examiner finds artefact ‘X’ at location ‘Y’, then tool ‘B’ should replicate these results.)

Presentation
This stage usually involves the examiner producing a structured report on their findings, addressing the points in the initial instructions along with any subsequent instructions. It would also cover any other information which the examiner deems relevant to the investigation. The report must be written with the end reader in mind; in many cases the reader of the report will be non-technical, so the terminology should acknowledge this. The examiner should also be prepared to participate in meetings or telephone conferences to discuss and elaborate on the report.

Review
Along with the readiness stage, the review stage is often overlooked or disregarded. This may be due to the perceived costs of doing work that is not billable, or the need ‘to get on with the next job’. However, a review stage incorporated into each examination can help save money and raise the level of quality by making future examinations more efficient and time effective. A review of an examination can be simple, quick and can begin during any of the above stages. It may include a basic ‘what went wrong and how can this be improved’ and a ‘what went well and how can it be incorporated into future examinations’. Feedback from the instructing party should also be sought. Any lessons learnt from this stage should be applied to the next examination and fed into the readiness stage.

Issues facing computer forensics
The issues facing computer forensics examiners can be broken down into three broad categories: technical, legal and administrative.

Encryption – Encrypted files or hard drives can be impossible for investigators to view without the correct key or password. Examiners should consider that the key or password may be stored elsewhere on the computer or on another computer which the suspect has had access to. It could also reside in the volatile memory of a computer (known as RAM [6] which is usually lost on computer shut-down; another reason to consider using live acquisition techniques as outlined above.

Increasing storage space – Storage media holds ever greater amounts of data which for the examiner means that their analysis computers need to have sufficient processing power and available storage to efficiently deal with searching and analysing enormous amounts of data.

New technologies – Computing is an ever-changing area, with new hardware, software and operating systems being constantly produced. No single computer forensic examiner can be an expert on all areas, though they may frequently be expected to analyse something which they haven’t dealt with before. In order to deal with this situation, the examiner should be prepared and able to test and experiment with the behaviour of new technologies. Networking and sharing knowledge with other computer forensic examiners is also very useful in this respect as it’s likely someone else may have already encountered the same issue.

Anti-forensics – Anti-forensics is the practice of attempting to thwart computer forensic analysis. This may include encryption, the over-writing of data to make it unrecoverable, the modification of files’ meta-data and file obfuscation (disguising files). As with encryption above, the evidence that such methods have been used may be stored elsewhere on the computer or on another computer which the suspect has had access to. In our experience, it is very rare to see anti-forensics tools used correctly and frequently enough to totally obscure either their presence or the presence of the evidence they were used to hide.

Legal issues
Legal arguments may confuse or distract from a computer examiner’s findings. An example here would be the ‘Trojan Defence’. A Trojan is a piece of computer code disguised as something benign but which has a hidden and malicious purpose. Trojans have many uses, and include key-logging [7], uploading and downloading of files and installation of viruses. A lawyer may be able to argue that actions on a computer were not carried out by a user but were automated by a Trojan without the user’s knowledge; such a Trojan Defence has been successfully used even when no trace of a Trojan or other malicious code was found on the suspect’s computer. In such cases, a competent opposing lawyer, supplied with evidence from a competent computer forensic analyst, should be able to dismiss such an argument.

Accepted standards – There are a plethora of standards and guidelines in computer forensics, few of which appear to be universally accepted. This is due to a number of reasons including standard-setting bodies being tied to particular legislations, standards being aimed either at law enforcement or commercial forensics but not at both, the authors of such standards not being accepted by their peers, or high joining fees dissuading practitioners from participating.

Fitness to practice – In many jurisdictions there is no qualifying body to check the competence and integrity of computer forensics professionals. In such cases anyone may present themselves as a computer forensic expert, which may result in computer forensic examinations of questionable quality and a negative view of the profession as a whole.

Resources and further reading
There does not appear to be a great amount of material covering computer forensics which is aimed at a non-technical readership. However the following links at links at the bottom of this page may prove to be of interest prove to be of interest:

Glossary
1. Hacking: modifying a computer in way which was not originally intended in order to benefit the hacker’s goals.
2. Denial of Service attack: an attempt to prevent legitimate users of a computer system from having access to that system’s information or services.
3. Meta-data: at a basic level meta-data is data about data. It can be embedded within files or stored externally in a separate file and may contain information about the file’s author, format, creation date and so on.
4. Write blocker: a hardware device or software application which prevents any data from being modified or added to the storage medium being examined.
5. Bit copy: bit is a contraction of the term ‘binary digit’ and is the fundamental unit of computing. A bit copy refers to a sequential copy of every bit on a storage medium, which includes areas of the medium ‘invisible’ to the user.
6. RAM: Random Access Memory. RAM is a computer’s temporary workspace and is volatile, which means its contents are lost when the computer is powered off.
7. Key-logging: the recording of keyboard input giving the ability to read a user’s typed passwords, emails and other confidential information.

Explore Paros beaches, sites and attractions.

The Port of Paros is in Parikia (the capital) which is situated on the western part of the island. Parikia is a well-developed tourism infrastructure town offering lots of accommodation units, beaches and archaeological sites to visit.

There are also daily flights from Athens to Paros (4 flights per day – 45 minutes flight), with Olympic Air.

Paros is the third in size island in Cyclades, after Andros and Naxos, with a total area of 195 sq. km and 120 kilometers of shore and beautiful sandy beaches. Apart Parikia which is the commercial center of the island, the most beautiful village in Paros is Naoussa, which is much more picturesque and has a lot of beaches and attractions to offer. The center point of interest is around the small fishing harbour of Naoussa where are situated some of the best restaurants, fish taverns, cafés and bars of the island. Near Naoussa are some of the best beaches of Paros, awarded with the “blue flag” sign.

In this article we will talk about things to do in Naoussa Paros during the day.
Get up early in the morning, have a rich breakfast at your hotel and get ready to discover the beauties of places around Naoussa. If you prefer to have your breakfast in Naoussa, go to the Café Santé, situated in the heart of the village. It is one of the most popular meeting points in Naoussa, serving all kind of coffees and delicious omelets.

After that, rent a scooter (or hire a taxi or a boat) and drive to some of the best nearby beaches. Start your beach tour from Kolimbithres beach which is situated in the bay, just opposite of Naoussa village. Due to impressive huge sculpture-like rock formations that divide the whole beach into little coves of sandy beaches, Kolimbithres is one of the most popular beaches near Naoussa. Some of these small beaches offer umbrellas and sun loungers for hire and some water sport facilities as well. Another small sandy beach, pretty close to Kolimbithres, is Monastiri (or Agios Ioannis beach). It’s a very well-organized beach, with crystal clear waters, sea sport facilities and seafront fish taverns to enjoy your lunch with delicious tastes.

For snorkeling and windsurfing lovers, it’s suggested to go to Santa Maria beach, situated east of Naoussa at a distance of 5 km, facing Naxos island. This is a fully organized beach with sun loungers, umbrellas, sea sport centers and beach bars with nice music.

In the afternoon you may visit some churches, such as Kimisis tis Theotokou (the Church of the Assumption of the Virgin) which is the main church of Naoussa, located on the highest spot of the hill, the church of San Nicolas and the Monastery of Logovarda which is located 4 km from Naoussa on the way to Parikia. Logovarda is a male monastery and it is forbidden for women.

If you are going to stay in Paros for more days, then it’s worthy to visit some of the most interesting sites in Parikia, such as the church of Panagia Ekatontapiliani (meaning Our Lady of the Hundreds Gates) which was constructed in the 4th century A.D. by Saint Constantine, the first Emperor of Constantinople (Istanbul) and is one of the best preserved Christian monuments in Greece, where you may visit the Byzantine Museum and admire a collection of rare icons, various religious relics and other christian items dating from the post-Byzantine period. In Parikia is also located the Archaeological Museum of Paros where you may see a huge collection of findings dating from the Bronze and Neolithic period.

And last, don’t miss to visit Antiparos island, a small picturesque islet, just 1 nautical mile southwest of Paros, where you will feel like in paradise. Antiparos is accessible by ferryboat from Paros port (Parikia) which is a 20 minutes trip and from Punda beach which is just 7 minutes trip.

It doesn’t matter if the jeans are high or low rise this season. It doesn’t even matter where the skirt lengths end up. No matter what the latest fashion style, you can wear it beautifully with a little bit of shopping savvy and a thorough knowledge of your body type. The key to wearing clothing well is to choose pieces that will accentuate your positives and minimize your – not so positives, no matter what the current fashion trend might be. All it takes is a little bit of time in front of the mirror and an honest evaluation of your shape, and you will be ready to choose the fashion styles that will look fabulous on you.

Five Body Types While every woman has her own unique shape, most will fall into one of five basic categories. The hourglass shape is wider in the chest and hips, with a narrow waistline. This is the shape that is tailor made for trendy belts, flowing skirts and v-neck tops to flatter your bustline. An apple shape is wider on the top and narrower on the bottom – perfect for the wide-leg and bootcut pants that are popular now. If you have a pear shape, you are narrower on top and wider on the bottom. There are plenty of lovely choices in the current fashion style for this figure as well. Try the current fashion trend of longer jackets and sweaters with a v-neck blouse underneath to make the most of your assets.

The petite figure is fortunate today, because there are many pieces in the latest fashion style designed just for her. Beware of outfits that cut you off at the middle, shortening your already small physique. Cropped jackets and straight leg pants are the perfect choice for this figure. Finally, for those who have been blessed with a long, lean shape, your options are fairly wide open when it comes to the latest fashion style. Sometimes the most challenging aspect of this figure type is finding clothing that is long enough to accommodate your tall stature. The good news is that many retailers are now offering many of their fashion styles in tall and long sizes just for you. 

Fashion style will come and go, but knowing how to wear those trends will make the difference between a fashion savvy dresser and a woman who is a slave to the current fashion style. Get hip to your body shape and choose your latest fashion style according to what will look good on you. Clothes worn well are always in style.