Future of Digital Video Editing
Digital video editing is the future, and the future is now. Without a doubt, digital video editing is a technological advancement of huge proportions, but we must not lose sight that it is not an advancement in the art of editing, but rather a monumental advancement in the tools available to the editor. Film, tape and digital video editing are different formats in which the editor works, but the basic art of editing remains the same. Editing is taking visual and audio and arranging them in a concise orderly manner in order to tell an entertaining story. That process takes place in editing any of the formats mentioned above.When film first became available, picture was cut with a pair of scissors and then the spliced together with glue on a hot splicer. Later on the technology changed and clear tape was used to join the cuts. After the editing was done on the work print and everyone was satisfied with the editing, the negative was cut to match the work print and hot spliced together. From the cut negative, prints were made that were projected in the theatres. In those days, music was added by a piano player in the theatre as the movie was projected on the screen. When sound came to the movies, the audio tracks were cut just like the picture and printed on the edge of the film when the prints were composited.Video tape was the next major advancement in editing but in essence it was not very different from film. It was still a physical delivery system for the video image. The process remained the same: edit the project, lock it down and then lay down from the master tape.Digital video editing brought a totally unique ability to edit and finish your project at the same time. Unlike video which lost quality as copies were laid down, the digital process lost nothing. If you were editing in the best quality mode, your project was complete when you were done with your editing session. All you had to do was convert the file if you were putting it on the internet, or out put your project to DVD and you are finished with perfect (no quality loss) copy.Digital video editing provides the editor with the tools to title, create effects, color correct and more all in the same session. Digital editing is the biggest addition to the tool box since the creation of the moving picture started the whole process. Digital video editing has opened the door to affordable editing for anyone that can afford a computer. Home movies will never be the same again, thanks to digital video editing.
How Does the Fair Credit Reporting Act (FCRA) Empower Me to Repair My Credit?
What is the Fair Credit Reporting Act?Established in 1970, the Fair Credit Reporting Act (FCRA) restricts businesses from freely accessing an individual’s personal credit information by contacting one or more of the big three credit bureaus: Experian, TransUnion and Equifax. Under the Fair Credit Reporting Act, a company must have “permissible purpose” before requesting information from a credit bureau. In other words, a business cannot access someone’s credit record unless the query achieves a lending decision.Intended to protect individual privacy, the FCRA makes it illegal for anyone who is not involved in a lending situation with a potential client to contact a credit agency and request information about that person’s credit history. For example, insurance agencies and employers must get permission from the individual they are interacting with before contacting Experian, Equifax or TransUnion to request copies of that person’s credit score.How the FCRA Helps Ensure Credit RepairWhen the FCRA was passed in 1970, it not only supported privacy rights of consumers but also enacted rules by which all credit bureaus must abide. These include:Removing all data that is obsolete within a pre-set time period (debt type dictates the time period; for example bankruptcies remain on a person’s credit report for seven to 10 years).Removing the majority of closed accounts within seven years regardless of debt type.Giving consumers the legal ability to dispute errors on their credit score as reported by one or more credit agencies. When confronted with possible errors by a consumer, the credit agency must investigate the issue fully until it has been resolved with supporting documentation.Entitling consumers to legal recourse if they discover someone has deliberately provided erroneous information to a credit bureau regarding their credit score. In fact, consumers can sue the company or individual who gave false information to a credit agency for up to $1,000 per infraction.Granting consumers the right to sue anyone who accesses copies of their credit score (FICO) by falsely representing themselves and their intent.By giving consumers the right to protect their credit score from inaccuracies that could significantly impair their ability to receive loans, purchase homes or obtain credit cards, the FCRA can help repair credit and increase FICO scores when misinformation and errors are damaging a person’s credit.Why is My FICO Score So Important?Credit repair involves raising your FICO score, or the number representing your credit “grade” that appears on your credit report. FICO numbers are always between 300 and 850, with 300 being the lowest score you can have. FICO is an acronym for Fair Isaac and Company, a business that created software during the 1980s to assist lending companies in determining whether an individual was a credit risk. FICO based its software algorithms on the ability of a person to make payments on time while avoiding defaults or bankruptcies. Other factors contributing to a FICO score include how much money the person owed to lending institutions and the length of his or her credit history.Credit Repair with the Help of the FCRA and FACTAIn addition to the provisions provided by the FCRA, the Fair and Accurate Credit Transactions (FACTA) Act of 2003 offers even more protection for consumers by setting additional standards to which individuals and businesses must adhere or face litigation. According to guidelines established by the FACTA Act, consumers are allowed to ask for free copies of their credit scores from any one of the three credit reporting agencies if an adverse action has been taken due to information contained in that report. Additionally, creditors must inform you of any negative comments placed in your file by them so that you know such comments exist. FACTA also allows you to insert a statement of no more than 100 words in your file to describe any extenuating circumstances that may have contributed to a negative entry or in support of an ongoing dispute.Rebuilding Your Credit Score Using FCRA and FACTA LawsIf you have been denied a loan, credit card, apartment lease or other similar action because you were informed your credit score was too low and you have blemishes, possibly in error, on your FICO score, you can either perform the necessary investigations into why your credit report is damaged, or you can consult a professional credit repair agency experienced in dealing with unresponsive credit reporting agencies that often do not want to admit they are wrong.Unfortunately, credit bureaus and lenders are in a position to profit financially from keeping consumer credit scores low, an unethical motive prompting the establishment of the FCRA and FACTA laws. For example, to fulfill underwriting requirements, lenders need credit scores that are just average or below average to label customers as “high-risk” borrowers so they can extract extra fees and inflate interest rates. Alternately, TransUnion, Equifax and Experian earn a lot of money selling credit data to lenders interested in people with credit scores between 500 and 600, or those who may be tempted to borrow much-needed money at high rates of interest.Confronting Credit AgenciesDon’t be intimidated by big-name credit agencies that tend to ignore or minimize complaints of error or wrongdoing concerning consumer credit reports. If you think your payment history does not warrant a denial of credit and understand you may need credit repair, use the benefits provided by the Fair Credit Report Act as well as the FACT Act and start taking back control of your credit score.
Insurance for Your Business
The importance of insurance cannot be over-emphasized and neither can the danger of paying for insurance you don’t need. It is strongly recommended you solicit the advice of an in-dependent business insurance agent. Don’t forget to SHOP! Talk to three or four independent agents and compare notes and prices. An insurance agent will lay out a vast array of insurance coverage much of which you simply may not need. Your situation will be unique and you must consider each insurance element carefully to ensure comprehensive coverage.Whatever your final insurance program looks like, you should review it at least every six months. Your business can change rapidly, especially in the first few years and insurance needs change with it. Keep your program up to date by calling in your agent and reviewing your coverage. Make changes where necessary.LIABILITY INSURANCEThis is probably the most important element of your insurance program. Liability insurance provides protection from potential
losses resulting from injury or damage to others or their property. Just recall some of the big cash awards you have read about that have resulted from lawsuits concerning liability of one kind or another and you will understand the importance of this insurance. Your insurance agent can describe the various types of liability insurance coverage that are available. If you will end up with a comprehensive general policy, make certain that the general policy does not include items you don’t need. Pay for only the insurance you need. For example, your business may not need product liability insurance.Do not confuse business liability coverage with your personal liability coverage, both of which you need. Your personal coverage will not cover a business-generated liability. Check to be certain.Compare the costs of different levels of coverage. In some cases a $2 million policy costs only slightly more than a $1 million policy. This economy of scale is true with most forms of insurance coverage. That is, after a certain value, additional insurance becomes very economical.KEY PERSON INSURANCEThis type of insurance is particularly important for the sole proprietorship or partnership where the loss of one person through illness, accident, or death may render the business inoperative or severely limit its operations. This insurance, although not inexpensive, can provide protection for this situation. Key person insurance might also be necessary for others involved in your business.SGC was a small firm run by three partners, a software programmer, marketer, and a general manager. Their product was a complex computer program used by aerospace firms. Al, the programmer, was involved in a severe automobile accident, became totally disabled, and SGC lost their programming capability. The problem was that the computer program written by Al was essentially the company’s sole product. Modifications to accommodate the customer became impossible and the time to bring another programmer up to speed was excessive. SGC lost considerable business as a result of this situation. These losses could have been offset by key person insurance.DISABILITY INSURANCEYou, as a business owner, should be covered by disability insurance whether or not you decide on key person insurance. This insurance, along with business-interruption insurance, described below, will help ensure your business will continue to operate in the unfortunate situation where you are unable to work. Your disability insurance policy needs to provide satisfactory coverage. Particular attention should be paid to the definition of “disability,” delay time until payments start, when coverage terminates, and adjustments for inflation.FIRE INSURANCEFire insurance, like all insurance is complicated and you should understand what IS and IS NOT covered. For example, a typical fire insurance policy covers the loss of contents but does not cover your losses from the fact that you may be out of business for 2-months while your facility is rebuilt. Fire insurance is mandatory whether you’re working out of a home office or you have a separate facility. You should discuss a comprehensive policy with your agent. Take the time to understand the details. For example, will the contents be insured for their replacement value or for actual value at the time of loss?Consider a co-insurance clause that will reduce the policy cost considerably. This means that the insurance carrier will require you to carry insurance equal to some percentage of the value of your property. (Usually around 85%.) With this type of clause it is very important that you review coverage frequently so you always meet the minimum percentage required. If this minimum is not met, a loss will not be paid no matter what its value.If you are working out of your home, your existing homeowner’s policy may not cover business property. If this is the case, have your insurance agent to add a home-office rider to your policy.AUTOMOBILE INSURANCEYou probably already have automobile insurance but it might not include business use of your vehicle. Make sure that it does.WORKER’S COMPENSATION INSURANCEIf you make the decision to hire employees, you will be required, in most states, to cover them under worker’s compensation. The cost of this insurance varies widely and depends on the kind of work being performed and your accident history. It is important that you properly classify your employees to secure the lowest insurance rates. Work closely with your insurance agent.BUSINESS INTERRUPTION INSURANCEThis protects against loss of revenue as the result of property damage. This insurance would be used, for instance, if you could not operate your business during the time repairs were being made as a result of a fire or in the event of the loss of a key supplier. The coverage can pay for salaries, taxes, and lost profits.CREDIT INSURANCEThis will pay for unusual losses as the result of nonpayment of accounts receivables above a certain threshold. As with all policies, you must thoroughly understand the details so discuss it with your insurance agent. One of the largest providers of this coverage is American Credit Indemnity, Baltimore, MD. (800) 879 1224.BURGLARY/ROBBERY/THEFT INSURANCEComprehensive policies are available that protect against loss from these perils, including by your own employees. Make certain you understand what is excluded from coverage.RENT INSURANCEThis policy covers the cost of rent for other facilities in the event your property becomes damaged to the extent that operations cannot continue in your normal location.DISABILITY INSURANCEThis insurance will pay you an amount each month slightly less than your current salary in the event you become disabled and are unable to work. Cost for this coverage varies considerably depending on your profession, salary level, how quickly benefits start, and when they end. Benefits paid are tax-free only if you, not your company, pay the premiums.This list could be continued since it is possible to purchase insurance for just about any peril you can imagine … if you can pay the premium! When considering your insurance coverage, use the following checklist:INSURANCE COVERAGE CHECKLIST:o Can you afford the loss?o What coverage is required by Federal, state, or local law?o What SPECIFIC items are covered by the policy?o Are items to be insured for their replacement cost or original value?o What SPECIFIC items are EXCLUDED by the policy?o If there is a co-insurance clause, do you have adequate coverage?o Have you chosen deductibles wisely in order to minimize costs?o Do any of the policies you are considering duplicate or overlap one another?o Do you need any insurance based on location, e.g., flood, earthquake?Use the following checklist to review your insurance plans:INSURANCE PLAN CHECKLIST:o Employ an independent insurance agent rather than going to individual insurance companies. Ensure the agent shops for your insurance.o Talk to and get quotations from at least THREE agents and pick the best one for you.o Use money saving comprehensive policies, if possible.o Perform periodic (every 6-months) reviews of your insurance program.o Have business assets professionally appraised to determine coverage needs.o Ensure existing personal insurance coverage includes business-related activities and add riders as necessary or obtain additional coverage.
Health News: The Secret To Good Health Is Simple
How good is your health?Most people forget that good health is the greatest asset they can have in life.They work hard all their lives without taking proper care of themselves
for many years until one day they break down.Don’t wait until you’ve a nervous break down, to face the reality.You should balance your activities with the proper amount of rest.Some of the leading experts in the field of aging now believe that regular exercise along with the proper amount of rest may actually add years to the life span.Results from a number of tests indicate that speed and muscular strength of many of the elderly can be extended.Leading authorities agree that this new data is going to shatter many of the myths about aging and physical performance.The conclusion now is that the performance and ability of the elderly has long been underestimated, diet, proper sleep and exercise along with rest and relaxation are all important factors in preserving our bodies.Laughter is one of the best things for your mental and physical state.People are naturally attracted to someone who has a good sense of humor.You can develop a good outlook and a good sense of humor by associating with and surrounding yourself with pleasant happy people.Recognize that stress is a killer. A life filled with stress can really wreak havoc on your body causing a number of illnesses such as hear attacks, strokes, asthma, gastric problems, menstrual disorders, ulcerative colitis, angina, irritable colon, increased blood pressure, ulcers, headaches, etc.There are different types of stress such as mental, emotional and physical.Emotional stress seems to take the greatest toll on everyone.All stress is not bad; in fact, life would not be very interesting if it were not met with challenges.However, too much stress, too often with no effective and appropriate outlet, does not allow the body and soul to recuperate.You might review a typical week to see if you can identify things that might be making you anxious or causing you stress.Once identified, stressors can be attacked and eliminated.Are you a worrier? Chronic worriers don’t have more serious problems than others – they just think they do.Many worriers try to cope by trying not to think about their problems, but this just makes things worse.Doctors say that chronic worriers feel less anxious if they actually spend a half-hour a day thinking specifically about their problems.Get plenty of exercise. People who are physically fit look good and feel good.A good exercise regimen will lengthen your life. Improve your appearance, build self confidence and help delay the aging process.Remember that you need to do something physical every day.If you don’t use your joints, quite simply they’ll tighten up with age to create the stooped, bent and worn out appearance we so often associate with old age.Studies have shown that people with arthritis experience less pain if they continue to keep their joints flexible.As one gets older, the bones tend to get brittle which is why it is common for senior citizens to break bones and especially their hips when they fall.Eating right, getting proper sleep and learning to relax are all very valuable in maintaining a healthy body and mind.And keep in mind that eating healthy foods and avoiding those high in fats, sodium and cholesterol will help to decrease your risk of heart disease, high blood pressure and associated problems.May these good health news and insights help you to live a longer, healthy and happy life.Warmly,I-key Benney, CEO
What are anti-ligature blinds?
Anti-ligature blinds are becoming increasingly popular in a range of different settings. The way these blinds differ from traditional blinds is that they are designed to prevent suicide by hanging.
Initially, uptake for this type of blind was largely restricted to high-risk environments such as psychiatric hospitals and prisons, where suicide is common. In mental health environments and detention centres, suicide via hanging is common and preventative measures must be implemented. A huge range of objects could be used to create a ligature point, meaning anti-ligature systems are highly important.
Over the years, anti-ligature blinds have been supplied to hospitals, schools, student accommodation and even hotels.
How do they work?
There are a range of different systems on the market, but the most reliable could well be the magnetic anti-ligature system. YewdaleKestrel® products utilise load release magnets which separate when a downward force is exerted on the product. This means that the product falls to the ground safely and prevents suicide via hanging.
The magnetic systems used in Yewdale’s products are highly reliable because magnets don’t lose their strength for hundreds of years, guaranteeing a lifetime of lifesaving functionality.
Anti-ligature blinds usually have a magnetic connection point above the blind’s barrel. The blind is easy to reconnect to the magnetic bracket after it has fallen to the floor.
If you are considering an anti-ligature blind, Yewdale is a highly recommended company. Based in the UK, Yewdale produce a wide range of anti-ligature products, commercial blinds, and healthcare products including hospital cubicle tracks and medical curtains.
Yewdale produce other anti-ligature products too including a soft, lightweight en-suite door and other accessories such as soap dispensers, toilet roll holder, shelves and artwork. You can see the full range on the website using the link below.
Complete weight loss strategy
For those who want to lose weight
Research on the causes of obesity, knowledge about weight loss, and various diets for weight loss are updated every year. However, with the update of knowledge and the release of diet pills one after another, the obesity rate continues to rise every year, and there is no sign of wanting to decline. I used to be very, very fat, and I am also a person who is prone to obesity.
So I understand the voices of fat people, I really want to lose weight, but I tried many ways to lose weight at that time without success.
I have tried the common boiled meals on the market, eating less and moving more, but it was not until I tried other diets that I managed to lose weight. After I lost weight, I began to study the essence and method of losing weight, and wrote him in this weight loss strategy article, hoping to help you.
A few key myths about losing weight
The weight loss myth of eating less and moving more
The phrase “eat less and move more” is actually true, but most people do it wrong. Many people think that they should eat less of everything, so they limit their calories to a very low level, and it feels a bit like eating an ultra-low-calorie fairy meal. Then, for the hyperactive part, the first thing that everyone thinks of is aerobic exercise such as running, cycling, etc., but in fact, this is a very short-term and easy way to regain weight, mainly because eating too little is an easy way to lose weight. The reason for the loss of muscle mass, coupled with the fact that aerobic training is not helpful for muscle mass growth, causes the metabolism to drop too much.
Maybe you can lose 5 kilograms in this way, but if your metabolism declines, you will easily regain the weight. And it’s all the fat that gets back up, not the muscle you lose that makes you look fatter than before. This is what we call the yo-yo effect, lose weight, get fat back, get fatter than before, lose weight, get back on Fat, get fatter than before.
Stop taking diet pills and meal replacements
At this time, you may start to seek other ways, eat weight loss meal replacements, taking diet pills, and so on. But believe me, most diet pills will inevitably hurt the body, especially the gastrointestinal tract. You may actually lose weight in the moment, but when your gastrointestinal tract is damaged, you will be fatter than before.
The key to understanding how to lose weight
You must have thought, why some people will not gain weight no matter what they eat, while some people will gain a kilogram the next day after eating a little bread? What is the cause of obesity? This is not a simple answer that can be solved!
You can see the link to the picture below, mainly talking about the influencing factors of obesity, which are very, very complicated.
Image source: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/296290/obesity-map-full-hi-res.pdf
In the middle of this picture is the heat balance
So we can know that calorie balance is very important
But this article doesn’t keep preaching that calorie balance is the key to losing weight like other sites
If you don’t know what calorie balance is, you can probably imagine that our body has calorie consumption (exercise, thermogenesis, basal metabolism), and calorie intake (eating).
When calorie consumption exceeds calorie intake, the weight will drop, so the truth of weight loss is to eat less and move more, very simple. In the short term, it is really possible to simply achieve weight loss by eating less and moving more, but simplicity is not simple, because the operation of the body is very complicated. Many people think that they can control their calorie consumption, that they can achieve a lot of calorie expenditure by running all the time, and that eating fairy meals (low-calorie meals) can reduce calorie intake and then easily lose it.
However, according to research, 90% of people who use calorie control, eat less and move more to lose weight will fail or regain the weight.
Because eating less and moving more for too long, metabolism will easily drop, hormones will easily become imbalanced, and muscle mass will easily be lost. Even if you lose 10 kilograms, you will easily regain weight.
When losing weight, the body is like a factory
For me, the key to long-term weight loss and maintaining good posture is the environment in the body, such as hormones, the level of inflammation in the body, and the gastrointestinal system.
Think of the body as a factory
-Your hormones are the managers and workers of factory operations
-Inflamed condition is how good factory machinery and hardware are
-Calorie intake is wages for factories as well as fuel
If the manager of this factory is an idiot, or if the hardware in your factory is completely rotten, then no matter how it works, it will create a pile of waste. Just as our hormones are already out of balance and the level of inflammation in the body is very high, no matter how much you eat, if you don’t solve the existing problems, it will easily accumulate into fat. It may be easier to understand with a few examples.
Hormones vs Weight Loss
This study looked at the effects of sleep and weight loss
Research source: https://www.ncbi.nlm.nih.gov/pubmed/20921542
Both groups of humans were calorie-restricted, but one group slept 5.5 hours a night and the other 8.5 hours. Both groups lost weight, but the group that slept less lost 55 percent less body fat and 65 percent more muscle mass than the group that slept more. It is equivalent to losing weight, but most of the loss is muscle mass, which reduces metabolism and makes it easy to regain weight later.
There is such a big difference mainly because poor sleep has a negative impact. The imbalance of the secretion of these things will easily increase fat and reduce muscle.
This next study looks at the effect of insulin sensitivity on body composition!
Research source: https://www.ncbi.nlm.nih.gov/pubmed/19471290
Basically, many chronic metabolic diseases, obesity, and poor muscle-building effects are closely related to low insulin sensitivity. Insulin is an anti-catabolic hormone whose main function is to store nutrients in cells. For example, after heavy training, our muscles will be more sensitive to insulin, and the nutrients we eat will be more easily absorbed into the muscles. When insulin sensitivity is low, the nutrients we eat are more likely to be stored as fat rather than absorbed into muscles.
We can simply say that the nutrients in the food eaten by people who are insulin insensitive are more likely to be stored as fat, and the relative fat mass will be much higher than the muscle mass.
To put it simply, the key to losing weight is actually to improve hormones, improve inflammation in the body, and add an appropriate calorie deficit. It is not difficult to achieve a calorie deficit. What is more difficult is how to choose the type of food that suits your body to improve hormones and achieve a long-term good body.
If you only pursue short-term weight loss and rely on a lot of calorie deficits to achieve the effect of weight loss, and then the hormones are still the same after the loss, then I can guarantee that you will gain weight very easily.
With so many ways to eat on the internet, which diet should I try?
When talking about losing weight in Taiwan 30 years ago, everyone would definitely want to use boiled meals
When it came to losing weight five years ago, everyone might think of using a low-sugar diet. When it came to losing weight in the past two or three years, everyone might directly think of the ketogenic diet.
I lost 30kg in 3 months on a low-sugar diet myself for the first time, so I used to believe that a low-sugar diet was the best way to lose weight
But after my long-term understanding of weight loss-related research, genetic cognition, and observation of students, there is no diet that is most suitable for everyone! Although it is said that high-carbohydrate foods will most stimulate insulin secretion, which in turn promotes the storage of nutrients into fat, some people are naturally good at metabolizing carbohydrates, so they can still be healthy and strong after eating high-carbohydrate throughout their lives.
For example, this study compared the responses of people with high and low insulin sensitivity to high- and low-carb diets.
Research source: https://onlinelibrary.wiley.com/doi/full/10.1038/oby.2005.79
The study concluded:
-For people with high insulin sensitivity, eating high-carb and low-fat to lose weight is very helpful
-However, people who are insulin insensitive use a high-carb low-fat diet to lose fat, but the weight loss effect is not so good.
But on the contrary, studies have also shown that people with low insulin sensitivity have a very good weight loss effect on a low-carb high-fat diet, which shows that improving insulin is very important for weight loss, and it also shows that people with insulin insensitivity are more suitable
Lose weight with a high-carb diet.
So if you have been obese for a long time, you know that you eat carbohydrates easily, or you know that you have diabetes in your family and want to lose fat, then I would suggest that you can start by reducing carbohydrates, which is what we call low carb diet!