How State Benefits Work in California

State benefits refer to any regular long-term payment from a government. This may be in the form of state pension, benefits for low income, children, careers, incapacity or sickness.Almost all states provide state benefits to its citizen. This is given to provide assistance to disabled and less fortunate.In California alone, an approximate of a thousand laws was enacted to provide state benefits to its citizen. The following are some of it:California CalWORKsThis is a welfare program that gives cash aid and services to eligible needy California families. The program serves all 58 counties in the state. This is operated locally by county welfare departments. The family that applies and qualifies under this law receives on going assistance each month to help pay for housing, food and other necessary expenses.Requirements under this LawTo qualify for this benefit program, you must be:Resident of the State of CaliforniaPregnant or responsible for a child under 19 years oldUS nationalCitizenLegal alienPermanent residentLow or very low incomeUnderemployedUnemployed or about to become unemployedNeedy families may apply for this benefit at any office located in any county where they live.California Food Stamp ProgramCalifornia Food Stamps is a federally funded program that helps people buys the food they need for good health. Food stamps are only part of their food budget; they must spend some of their own cash to buy food enough for a month.Requirements to qualify under this LawIn order to qualify under this law you must be a resident of the state of California and must fall into one of these two groups:With current bank balance under $2,001With current bank balance under $3,001 who share their household with a person age 60 and over or with a person with disability.California Head StartThis is a national program administered by the Head Start Bureau within the administration of Children, Youth and Families, Administration for Children and Families, and Department of Health Human Services. This provides developmental comprehensive services to children from birth up to entry in the elementary school. This program is designed to address developmental goals for children, employment and self-sufficiency goals for adults, and support parents in their works and child caring roles.Requirements for this LawTo qualify for this law, you must be:Resident citizen of the State of CaliforniaA parent or primary caregiver responsible for a child who is too young for public schoolHousehold annual income before taxes must not exceed $10,400 if you have one person in the householdCalifornia Healthy FamiliesThis law is a low cost insurance for California children and teens. It provides health, dental and vision coverage to children who do not have insurance and do not qualify free Medi-cal.Requirements under this LawIn order to qualify under this law, you must be:Resident of the State of CaliforniaUnder 19 years oldNot covered by health insuranceUS nationalCitizenLegal alienPermanent residentWith annual household income before taxes of less than $26,000

Choosing the Best Automotive Electrical Kit

There is no denying the fact that the most excellent car should also be the safest. That is why every car needs the best automotive electrical kit. An automotive electrical kit is a kit that can turn a standard automobile into an electric car or more characteristically turn it into a mixture car. The rationale behind these kinds of cars is that they are well-liked and well-accepted plus they are energy-efficient and they trim down greenhouse gasses and decrease gas expenditures.Some group of people has a false impression with reference to the conversion kits. These people suppose that they will trim down your automotive presentation. In actual fact, they do not have an effect on your car routine for the reason that they only translate energy that would have been squandered into electricity. This is then stocked up for use soon after. Consequently, to all intents and purposes, these cars are reprocessing waste power and not using up energy out of the locomotive.On the other hand, the most essential principle still exists. It is still very luxurious to change a gas motorized car into an electric car fusion, attributable to all the supplementary elements that should be fitted with an automotive electrical kit. For example, you are supposed to call for an installation of a secondary, electric engine into the car, at the surface of the gas motorized engine.But then, the much-better alternative to the automotive electrical kit is to try a hydrogen conversion kit. This is a change that changes the waste power into a chemical energy, and is then flamed accompanied by the gas. This functions on the same principle of using the waste energy of the car to produce more useful power, but it does not have a need of a secondary engine to use this power. The overloaded electricity as a substitute is employed to break up water into combustible gases. These are straight away inserted into the fuel concoction of the car, releasing more energy that the engine can use.The conversion is very trouble-free to carry out. In actual fact, you do not even necessitate to pay money for a conversion kit. You are able to create the hydrogen gas converter personally, by the means of the not so expensive yet simple to purchase automotive electrical mechanism. To set it up into your engine is straightforward. There is a converter which is completed from economical components that you can get your hands on without any. Unlike an automotive electrical kit, if you notice that it cannot function for you, you can without difficulties do away with it and bring back your car to its innovative and original situation.That is why you must take into account having automotive electrical kit today and be able to experience a journey that is away from any untoward breakdowns. There are also some tips that you can gain knowledge of form the different automotive electrical information and ideas. The online sites are available in order for you to become acquainted with the most essential details and ideas regarding safe road travel anytime, anywhere.

Bobblehead, Dual-Pendulum Toys Promote STEM Education to Fix Nation’s Problems

Fun, Bobblehead, dual pendulum novelties crafted from hockey pucks and fishing line both entertain people and illustrate the four fields of STEM education: science, technology, engineering, & math, now being promoted to solve our nations troubles. Employing familiar physical realities, such as push, pull, flex, eneract, and sense to introduce and symbolize STEM, dual pendulums entertain, enlighten, puzzle, & inspire people of almost all ages and persuasions, teenagers upThese newly developed, educational, dual pendulum novelties support the extensive effort and investment in STEM education by our government, president, legislators, and educators to solve our nation’s ills.Invoking mysterious gravity and mystical energy, dual pendulums exhibit the radiant, vibrant, communicant, eneractive nature and behavior of people and things, besides involving and symbolizing the four fields of STEM: science, technology, engineering, and math.The inventor claims that these astute learning objects can help to technically self-educate America in the hands-on, minds-on, inquiry way of educational standards. They tend to integrate the rather fragmented knowledge taught and memorized in school back into a unified whole.Scientist and teachers have employed similar simple, classical pendulums for centuries to informally introduce and teach STEM subjects.The dual-pendulum idea did not just happen. It grew out of the development of sophisticated sensing instruments and related pendulum calibrators for testing the behavior and monitoring the health of things.Dual pendulums connect two classic pendulums together by simply stringing hard rubber disks on an oversize, flexible plastic line. The disks slide on the line into position for conducting science experiments and inertially sensing changes in motion.With the two disks positioned apart at the lower knot, the lower disk and line form a visual, bobblehead, inertial motion sensor. Pull of the Earth (gravity) acts as a spring restraint. Like you, such sensors ordinarily flex to sense changes in motion, but not those of a coasting simple swing or pendulum (upper one), creating a mystery. Over a billion similar inertial motion sensors, also called accelerometers, now help trigger car air bags and stabilize camera images.Exercising a dual pendulum, a person experiences interacting objects transferring energy into action push and pull on one another to move, flex, vibrate, and sense per laws of nature, while properties of materials: mass (God particles), stiffness (elasticity), friction, and gravity, resist moving as they store energy in various ways. Similar things happen in other energy realms. Such eneraction, a new word, senses, animates, and powers our wonderful World.Operating a dual pendulum involves all four fields of STEM. Conducting classic science experiments requires engineering changes to a Plum’s structure to modify behavior by sliding disks on the line. Solving the mystery involves applying force-and-motion technology. Centrally adding mass confirms Newton’s famous law of motion, modeled mathematically as F=ma. Geometry helps explain why pendulums automatically swing, and why a shorter line increases the swinging rate.Testing a dual pendulum, students quickly learn that without a transfer of energy, nothing happens: objects don’t move, structures don’t flex, and sensors don’t sense, or change status. For references or more information about pendulums, visit Wikipedia and You Tube.Powering a dual pendulum manually encourages a person to have fun naturally eneracting, and to enjoy seeing other people and things eneract, especially with a dual pendulum.Once again Mother Nature has been good to us with the gift of pendulums. And thanks to a legion of dedicated pendulum scientists, including Galileo and Newton, we now treasure a wealth of practical, useful knowledge and insight into how precious transfers of energy animate and power our magnificent World.

Modern Home Office Desks You Are Guaranteed to Love

Just because you are forced to build a home study, does not mean that it has to be old and outdated. Times have changed and there are so many new and exciting designs in home office furniture that will have you enjoying the task of setting up your workplace at home. If you are running a business from your home, maybe it’s time you thought about the kind of image your home office creates. You want to come across as organized, modern and stylish should a client need to visit your home office!Using a contemporary theme in your home study is one way to create this image. Whether you are fortunate to have an entire study dedicated to your work or you can only afford to spare a corner of your living room, you need to have a good desk. You can now have a modern, chic office no matter how big or small your space is. If you purchase the right furniture that is!Creating the perfect modern office at homeIf you are struggling to set up a modern home study, here are few tips:- Choose modern furniture and accessories: The key to creating a modern office area is to incorporate modern furniture into the space. Modern home office desks and chairs can be bought almost anywhere. These contemporary pieces are made to fit any space and can be customized according to the measurements of your working area.Look for designs that are unique or extraordinary for a truly modern home study. Forget about the plain rectangular desk that we all have gotten accustomed to; modern desks are designed to be fresh and funky as well as practical. Chairs have also undergone a serious makeover in the past few years, with increasingly ergonomic designs designed with your comfort in mind.- Steal d├ęcor ideas:If you don’t really know what a modern office looks like get ideas from TV shows. By choosing the right modern home office desks and chairs you can easily imitate the very modern Mode office on Ugly Betty in your own home. Look at the smaller decorative items and steal ideas for storage spaces from magazines or the internet.- Think about the rest of your home: If you home is quite traditional, it might not be a good idea to create a modern home study. The styles will clash and the impact of the modern office space will be lost. However, if you are thinking about a building modern home office, chances are you already have quite a contemporary home so follow the theme to the office furniture.Modern home office desks are becoming increasingly trendy for a number of reasons. With more and more people working from home, they are looking for ways to revitalize their old home offices to reflect a fresh new look. Buying contemporary furniture items is one of the best ways to revitalize a workspace.Revitalize your home study with one of the many stunning modern home office desks on the market, and enjoy increased productivity and inspiration from your clean and uncluttered new look

Modern Home Design in 4 Easy Steps

There’s something that’s just plain appealing about having a modern home with modern furniture. In recent years, modern home design and decor has seen a dramatic increase in popularity in terms of the number of home builders, modernized subdivisions and modern furniture outlets that are out there. Want to be part of hottest new trend in interior design and home decorating? Here’s how you can take the first step.Start With One RoomModernizing a home doesn’t have to be a head-first dive into a shallow river. In fact, it’s much easier to modernize your home in smaller, more comfortable steps. Start the project with a particular room in mind and begin by buying modern furniture for that particular room. Choose a room that you spend a lot of time in or one that gets a lot of traffic from visitors and family members, that way you’ll get the most out of your designing budget by impressing those who visit your home with the new modern furniture you’ll be buying.Pick a PieceAfter you’ve selected a room, choose a piece of furniture that you want to emphasize and build your room around it. For example, if you want to redesign your bedroom, build it around, well, a modern bed. If you want to emphasize your living room, try starting with a modern sofa or center piece. This will give the room a sense of focus and inspiration. It’s always much, much easier to pick a single piece of furniture that you really enjoy and to build a room around it, instead of trying to pack a room full of a hundred different pieces of modern furniture that you only slightly enjoy.Consider the Size of the RoomThe size of the room should be something you consider before you start buying loads of furniture. If the room is large, odds are it’ll be the most expensive one to decorate. To be honest, most modern furniture isn’t cheap. You don’t want to break the bank by starting with the largest room in your home. To get the most out of your money, it’s best to start with the smallest room that you spend the most time in. Try starting with a bedroom or small office and expanding from there.Do Your ResearchMake a list of the furniture that’s in the room you selected. Take this list, go online, and see how much it will cost to replace all of your current furniture with modern furniture. You want to make sure that you’re prepared to spend the amount of money necessary to redesign the whole room. Rooms with modern furniture tend to not mix well with other furniture so you want to make sure you replace it all with one fell swoop. For instance, let’s start with the bed. Do a Google search for “modern furniture beds” and write down the price. Move on to the next piece, write down that price and so on. Do this until your list is complete and add up all of the prices you found to get a good number for a budget. If the final number seems reasonable, start your project!

Modern Homes – Modern Real Estate

The current U.S. real estate market is a burden and an asset to American investors, an article from Housing Predictor, an online forecaster of market trends, reports.Citing as evidence thousands of reported home foreclosures, as well as homes that have been on the market for a substantial period of time without selling, the article notes that for a select group of investors, the time is drawing near to consider investments that could potentially turn into lucrative purchases and over time provide significant monetary returns.The central issue is timing. Many investors are waiting to see how the government’s bailout affects Wall Street and consequently influences the real estate market, but many more investors are holding out until the bottom of the housing market hits its lowest rates.Housing prices will continue to fall in the immediate future, and the nation’s credit crisis has put the brakes on consumer spending and made it difficult to obtain a reasonable mortgage. This means that housing prices could tumble even further and that investors could see more attractive prices for potential purchases.But this wait-and-see approach has risks. If housing prices do not continue to go down, the opportunity for an investor to acquire property at its ideal price might pass him by. All this keeps mortgage companies, banks, real estate forecasters, and investors closely monitoring America’s temperamental housing market.The next reasonable question to ask is when the bottom will hit. Housing Predictor forecasts that by 2009, and through 2010, most markets across the country will reach their lowest rates. The bottom will not come at once to every market in the country. Instead it will be a slow procedure, one that leaves some markets with their worst days behind them and others with their worst days still ahead. Based on current trends and data, the housing market will make a turnaround in 2010 and 2011. But the bottom is already near in California, Florida, Ohio, Indiana, and Michigan, which means that by the time the rest of the country is enduring its hardest times, these markets could very well be showing signs of growth.Real Estate Investors understand the benefits of vigilance and timing. For some, whose previous investments have left them in a position to spend today, the market is an asset. And for others, perhaps just starting out, this too is a time of opportunity. But it is an opportunity that will largely be defined by the vision, resources, and wisdom of the investments. Warren Buffett has said that his investment philosophy is simple: Be cautious when others are aggressive, and aggressive when others are cautious. This statement is as true today as it was when the housing market was at its strongest.Nowhere near its peak and still growing with tremendous strength, modern design has budding interior designers everywhere excited and spending. Across the globe, more and more consumers are environmentally conscious and have specific ideas and expectations when it comes to furnishing their homes. They want products that have superior design, products that are eco-friendly and practical. But they also want products that reflect their personalities and domestic lives, products that mark an increased enthusiasm for sustainability and uniqueness.This enthusiasm is global and has sparked increased sales for products with a keen sense of modern design. In Europe, Questo Design focuses on producing quirky accessories and highly stylized furniture. The Scandinavian inspired company Ikea brings sensibility and affordability to its myriad lighting, kitchen appliances and decor products. In the U.S., Design Within Reach, Hive, and 2Modern, are but three of the hundreds of companies whose collective business goal is offering sophisticated products to a hungry and intelligent consumer market.Splinter off a section of modern design consumers and you will find people looking to buy or sell modern homes built with the same principals and sensibilities. A vast market is available for those who want their homes to be a symbol of their creativity, ingenuity, or personal style.From San Francisco’s Bay Area to Boston’s historic outskirts, residential and commercial spaces designed with innovative architecture and sustainability continues to attract investors. These homes serve as local attractions and are often the focus of modern living oriented magazines such as Dwell and Metro Green+Business. They are places where industry meets intelligence, where design is defined by craftsmanship and durability.Homeowners interested in selling their modern home today have key advantages in the current real estate market. The first advantage is that many modern homes now on the market attract buyers who have distinct interests in specific architecture and amenities that can only be found in certain modern homes. It’s a straightforward theory that is verified when thousands of people with similar tastes buy and sell homes to one another.The second advantage is that a unique, modern home will always be just that: unique and modern. Even when styles and tastes change, superior craftsmanship and design allow modern homes to stand out and remain marketable. This market sustainability makes a modern home an investment that will experience years of healthy monetary returns.A modern home is in some ways an extension of the person who lives there. It is about design and architecture. But it’s also about character. As someone buying or selling a modern home understands, a home is more than a roof and windows and floors. It is a space that informs and accentuates the people who live there. For these reasons, whether you are an investor, a person in the market to buy or sell, a modern home is a wise and rewarding investment, no matter the economic climate.

How to Analyze a Piece of Commercial Real Estate

Determining commercial real estate values is the first step in buying commercial property. In order to analyze a piece of commercial real estate for possible acquisition, you first need to understand that the two most important factors are the net operating income of the property and the capitalization rate (cap rate) that is currently prevalent in the marketplace for the type of property that you want to purchase.A commercial real estate analysis has three major components: income, expenses and debt. You need to compile and analyze each of these parts in order to understand the deal.You also need to decide what you really want from the deal:- Do you want a passive income stream?
- Do you want to hold the property for the long term to build wealth?
- Or do you want to rehab it and sell it for a quick profit?ANALYZING INCOME
1. Verify the rents the property is receiving and compare them to current market rents by calling commercial real estate brokers in the market area. You should calculate the income on an individual tenant basis and per square foot basis per month or per year2. If there is a tenant on a short term lease, adjust their rent to current market in your analysis if market rents have gone down.3. Review and carefully verify all of the income that is being shown on the spreadsheets.4. Think about ways that you can increase the income.ANALYZING EXPENSES
1. Using actual and true operating expenses in your analysis is the best way to analyze expenses, but if they’re available, you can get your most reliable expense data from your property manager or a property manager that manages similar properties in the area.2. When analyzing expenses, analyze them as a percentage of the income, and expenses per square foot, and compare these numbers to industry and local data.3. When analyzing taxes, make sure that you’re putting in the new property taxes based upon your purhase price.4. Once you have the data, go through it thinking about ways that you may be able to decrease the expenses once you own the property.ANALYZING DEBT
When you find a deal you’re excited about, run it by your lender to understand how much money you will need to put down, and the type of loan and interest rate that this property will qualify for.DETERMINE THE VALUE OF THE PROPERTY
Once you have determined the income, expenses and debt, you’re ready to take the next step in determining the commercial property value. Figure out the capitalization rate, the cash flow, the cash on cash return, the net operating income and a break-even analysis on the property to understand its value to you.Capitalization rate is the net operating income divided by the sales price. Also known as the cap rate, it’s the measure of profitability of an investment. Cap rates tell you how much you’d make on an investment if you paid all cash for it (financing and taxation are not included).Cash on cash return is the cash flow divided by the down payment amount.Net operating income is the income after deducting the operating expenses from the gross income.Gross income is all of your income that is coming in on the property.Break-even point is the point at which occupancy income is equal to the mortgage payments.Knowing how to analyze a piece of commercial real estate should include what you want from the deal.
Starting guidelines that I suggest are to make sure that you have:- positive cash flow
- cash-on-cash return of at least 10 percent
- cap rate of at least 8 percent
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Information Security Awareness Training – E-Commerce And Security

More and more peoples in there daily life use computer to make things that previously they do without computer, for example, buy and sell! Of course, its takes less time and can be done from home, but not so offten peoples thinking about: how safe it is! And from other side seller invent, that he want to start e-commerce, but he not sure what it is and how its works!

This article is for both side…For understanding, how e-commerce mechanism works and how do this cooperation safer!

What is E-commerce?

Electronic commerce or ecommerce is a term for any type of business, or commercial transaction, that involves the transfer of information across the Internet or other network.(monstercommerce.com)

Different types of E-commerce.

*B2B (Business-to-Business) is a from of electronic commerce in which companies doing business with each other such as manufacturers selling to distributors and wholesalers selling to retailers. Pricing is based on quantity of order and is often negotiable.

*B2C (Business-to-Consumer) is a form of electronic commerce in which products or services are sold from a firm or company to a consumer. This selling usually happened through catalogs, e-shops!

*B2E (Business to Employee) is a form of electronic commerce which is more commonly known as an “Intranet”. A basic focus of business is the employee, rather than the consumer! Usually it is some kind of portal for everyone within an organization. This portal is designed to include not only everything that an employee might hope to find on an intranet, but also any personal information and links that the employee might want.

*C2C (Consumer-to-Consumer) is a form of electronic commerce in which involves the electronically-facilitated transactions between consumers through some third party. A common example is the online auctio, in which a consumer posts an item for sale and other consumers bid to purchase it; the third party generally charges a flat fee or commission.

There are also other types of E-commerce, for example, G2G (Goverment-to-Goverment), G2B (Goverment-to-Bussines) and other which are connected to government, but these four are the main.

E-commerce and security

How we already know that to make e-commerce we need computer and of course – systems. Any system which provide any type of e-commerce need to answer four requirements:

*privacy: information must be kept from unauthorized parties.

*integrity: message must not be altered or tampered with.

*authentication: sender and recipient must prove their identities to each other.

*non-repudiation: proof is needed that the message was indeed received.

These requirements is needed to make safe cooperation between service provider and customer, and, of course, prevent third side interference!

How execute these requirements?

To execute these requirements you can choose one or some of the different suggestions:

*PKI – Public Key Infrastructure – to provide privacy and authentication.

*Digital Signature – to provide authentication and integrity.

*SSL – Secure Socket Layer – to provide privacy and authentication.

*Time Stamp and others.

For now, most popular solution in e-commerce security is Secure Socket Layer or SSL. It is so because its merge the best attributes from PKI. SSL uses PKI and Digital Certificates to ensure privacy and authentication.

The procedure is something like this: the client sends a message to the server, which replies with a digital certificate. Using PKI, server and client negotiate to create session keys, which are symmetrical secret keys specially created for that particular transmission. Once the session keys are agreed, communication continues with these session keys and the digital certificates. (ecommerce-digest.com)

To known that this page is secure with SSL, you need just look to the address bar: if the address begins with “https” and there is padlock icon at the bottom of the page, than you can be sure that this page is safer than other! Why safer,but not totally safe? Because totally safe web pages didn’t exist!

Most of e-commerce provider leave the mechanics of security to hosting company or IT staff, but for each who want to start e-commerce, is important known how it works and whats responsibilities are asked from this side!

Best computer science papers online

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Scholars who are offering computer science courses are required to prepare or write computer science papers as the assignments assigned to them by their professors of instructors. In every University offering computer science courses, students are required to undertake coursework assignments after every one or two weeks. These assignments are mostly in the form of short computer projects that require detail writings. Furthermore, the assignments are of diversified categories such as computer science term papers, computer science essay, computer science dissertation essay, and computer science research paper among others. Developing computer science papers is not an easy task since it requires abundant time to complete writing the papers.

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