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New iPad 3: all the latest details

The new iPad launch kicked off at 10am PT/6pm GMT on Wednesday 7 March.
Browse back through our new iPad launch liveblog - or read on for a roundup of all the new iPad announcements.
Before talking about the new iPad, Apple's Tim Cook unveiled anupdated Apple TV box, bringing 1080p video streaming to the device which has a release date of 16 March and a price of $99. We've got the lowdown in our Apple TV: what you need to know post.
But it's the new iPad that grabbed the headlines:
New iPad announced
Apple has announced the new iPad to the world, featuring a raft of new tech over the previous version including a super high-res screen.
Read New iPad announced: Retina display confirmed for the full details.
Apple slates Samsung in new iPad keynote
Apple had a bit of a pop at Samsung at the launch of the new iPad with Tim Cook dissing the look of the apps on a Samsung Galaxy Tab when compared with apps on an iPad.
Read Apple slates Samsung in new iPad keynote to see what Cook said.
New iPad release date revealed
The new iPad release date is 16 March, with pre-orders starting from today. New iPad prices are as follows: 32GB is $599 and 64GB for $699.
For more details and additional prices, read New iPad release date revealed
New iPad: everything you need to know
OK, we now have all the details of Apple's new iPad which comes complete with the new iOS 5.1.
Read New iPad: everything you need to know for, well, everything you need to know.
New iPad: where can I get it?
The new iPad has been announced, and we've been in contact with all the UK networks to see who is stocking it.
Hit New iPad: where can I get it? if you're itching to buy one.
New iPad 'better than Xbox 360 and PS3'
Whoah. The new iPad has a better screen resolution and more memory than both the Xbox 360 and the PS3? But those aren't exactly new consoles, are they?
More: New iPad 'better than Xbox 360 and PS3'
Garageband, iMovie and iPhoto land on new iPad
Garageband and other iLife for OS apps have been shown off at Apple's new iPad event.
More: Garageband, iMovie and iPhoto land on new iPad
Below are the rumours that we reported on before the new iPad was revealed.
The web was teeming with rumours about the new iPad 3 / iPad HD processor, cameras and display, so we gathered together as many details as we can on its possible specifications ahead of the launch.
Of course, some of these can be taken with a pinch of salt, but there's definite patterns occurring and we'd say the final iPad 3 release won't be that far removed from many of these rumours.
It's time to place your bets, what do you think the iPad 3 / iPad HD will bring? But wait, what's this - Sky Bet has pulled its iPad 3 betting after certain trends occurred: "If the money is correct, then the new hardware will definitely not have a new carbon fibre casing, will not be called the iPad 2S and will have 128GB of storage!".

Steam Power – Water Cycle In Boilers

Steam power - water cycle In steam boilers

Steam boiler at a power plant
Steam boiler at a power plant
High purity water for steam boilers
Power generation plants vary widely in size but most power plants share the same requirements for pure water. Raw water enters the power generation plant and is purified through several stages of filtration and demineralization.
This continuous stream of purified waterbecomes the steam boiler feed water. The boiler generates steam that drives the turbines to generate electricity. Some of the steam is also used to preheat the high purity boiler feed water. Ultimately, the steam is collected as condensate, mixed with pure make-up water, preheated and recirculated as steam boiler feed water.
Unfortunately, high purity water is corrosive to steam boiler and condensate systems. In addition, leaks in the system can add unwanted chemicals that increase corrosion potential. For example, in the condenser, raw cooling water can leak into pure water.
To counter these effects, trace level corrosion inhibitors and oxygen scavengers are typically added to the steam boiler feed water to reduce these risks. Effective chemical treatment of the boiler feed water is critical to maintaining the steam boiler and condensate systems and protecting the capital investment of the power generation facility.
Rather than determining corrosion occurrence over a period of time using an outdated technique, corrosion can now be monitored like any other process variable (i.e., pressure, flow, level, temperature, pH) by the power plant operator.
Steam condensate reclamation  Steam is used in almost all industrial boilers. Steam generated in the boiler plant is transferred to the various facilities in different pressure ranges. As energy is consumed from the steam, condensate is formed, and returned to the steam boiler plant for reuse. Steam in the boiler plant is produced from water of very high purity.
Steam condensate application challenge
Steam condenstate is collected and returned back to the boiler. It needs to be re-treated as it often acquires particulates that will cause scaling, pitting, or corrosion of the boiler tubes. Unless this condition is corrected, the steam boiler will need to be rebuilt, with extensive downtime and high costs. 
Steam condensate application solution
Depending on the size and type of steam boiler, CorrTran MV corrosion monitoringshould be installed in a location that is most susceptible to corrosion. CorrTran MV evaluates both general and localized (pitting) corrosion, as well as conductivity, in the same industrialized transmitter housing.

The use of aspirin

Aspirin is one of the most common drugs in use today. It has been in use since the 1890’s and has proven to be a drug of many uses in that time.
 What is aspirin?
 Aspirin is the general name for acetylsalicylic acid (ASA); it is also the trademark of the drug produced by Bayer in Germany. In eighty countries, aspirin is a registered trademark, but in other places the term aspirin refers to ASA by itself or as an ingredient in other drugs.
 The synthetic drug was developed as an analgesic (painkiller) and this is still the main purpose of the drug in most people’s minds. It was the first NSAID (nonsteroidal anti-inflammatory drug), and probably still the most effective.
 Two complete families of drugs have been developed from ASA in the years since 1897.
 How does it work?
 When you are injured, your body produces prostaglandins which are complex fatty acids that act like hormones within body tissues. Prostaglandins act by stimulating the dilation (getting bigger) of blood vessels and muscle contraction; they are also the start of you feeling pain.
 Aspirin appears to stop the production of prostaglandins by attaching to an enzyme, and thus stops the pain message reaching your brain. By reducing the production of a prostaglandin called thromboxane, aspirin can also prevent blood clotting and acts as an anticoagulant. This is an important clinical use in heart patients.
 As aspirin is absorbed into the blood stream, it can travel to all parts of the body; prostaglandin production is high only in injured areas so aspirin is only effective in those areas and thus relieves the pain wherever it is felt.
 By preventing prostaglandin production, aspirin is also reducing some necessary body functions. A single tablet every so often won’t have much impact on these functions, but care must be taken in regular users. Taking aspirin for pain relief for a wound can actually slow healing as platelets can’t clot to form scabs. Drugs based on aspirin, such as ibuprofen, naproxen and acetaminophen (Tylenol,) have been developed to avoid some of these adverse effects.
 What is it used for?
 During its history, aspirin has been found to have a number of uses besides pain relief. Many experiments have been carried out to test aspirin’s abilities in various areas and potential side effects, and some areas are still under investigation.
 Current uses of aspirin include:
v     Over-the-counter pain relief, especially for headaches
v     Reduction of swelling and inflammation in arthritis and injuries
v     Anti-coagulant given to sufferers of heart attack, mini-stroke and unstable angina
v     Can reduce severity of heart attack if taken at first symptoms
v     Recovery after cardiovascular surgery (eg bypass operation)
v     Treatment of rheumatoid arthritis, osteoarthritis and other rheumatoid diseases
 Possible benefits of aspirin are being researched in:
v     Migraine treatment
v     Improving circulation in the gums
v     Fighting ovarian, breast and colon cancer
v     Prevention of cataracts
v     Controlling pre-eclampsia
v     Improving brain function, especially memory
v     Reducing colorectal cancer repeating
v     Prevention of adult leukaemia
v     Prevention of HIV replicating
v     Reduce prostrate cancer risk
v     Increasing success rates of IVF programs
 Is it suitable for everyone to use?
 In short, no it isn’t.
 Aspirin isn’t advised for the following groups without medical advice:
v     Children under 16
v     Asthmatics
v     Women in last trimester of pregnancy (can bring on labour & harm baby)
v     Anyone under 20 with a fever
v     People with bleeding disorders
v     Anyone with an ulcer or persistent stomach problems
v     Diabetics on medication
v     Breastfeeding mothers
v     Heavy alcohol drinkers
v     Healthy people for more than ten days
v     G6P deficiency diseases
v     Reduced kidney function or liver disease
v     People on low sodium diets (buffered aspirin tablets contain sodium) 
Are there any side effects?
 Like all drugs, there are some risks of side effects from aspirin. Many are uncommon enough to be considered an acceptable risk for most patients, but there are some significant risks attached. Healthy people using aspirin occasionally as directed are unlikely to develop serious side effects.
 The use of aspirin in children and teenagers with a fever, especially after a viral infection, has been associated with the development of a potentially fatal condition called Reye Syndrome. For that reason, it is recommended to NEVER GIVE ASPIRIN TO ANYONE UNDER THE AGE OF 16 or to anyone under 20 who has a fever.
Overdoses with aspirin are quite common and it is essential to keep them out of reach of children.
Aspirin can irritate the stomach, leading to nausea and vomiting, so it is best taken with or just after food. Other problems may be ringing in the ears, excessive bleeding, heartburn, indigestion and allergic reactions.
 Analgesics like aspirin are excreted via the kidneys, and thus have the power to damage the kidneys and long term, low dose usage reduces renal function. Certain medical conditions and heavy drinking increase the risk of kidney damage.
Note: NEVER take aspirin if it has a vinegary smell as this means it is “off”.
Aspirin is an effective, useful drug when taken as directed and/or under medical supervision; however, it needs to be treated with respect.

Antibiotics

It is unlikely that you have never used any antibiotics, and virtually impossible that you haven’t heard of them.
Antibiotics are drugs that can only be obtained through a pharmacy by prescription. There is a wide range of antibiotics available and the Doctor will choose the one best suited t the time and in the appropriate does.
Sometimes people don’t understand why they did or didn’t get an antibiotic prescription, or why theirs was different to someone else’s. Some basic knowledge about antibiotics may help reduce such confusion.
What are Antibiotics?
In simple terms, antibiotics are chemicals that kill bacteria. There are other chemicals that can kill bacteria; the difference is that antibiotics are naturally produced, rather than invented by humans.
The first antibiotic, penicillin, was extracted and used in clinical trials in the 1940s and made a huge difference to the capabilities of medical personnel, especially during WWII. A more refined version of penicillin is still the most effective antibiotic available for general use.
Penicillin is naturally occurring in the mould you see on oranges, but many antibiotics prescribed today are synthetic and commercially produced. There are many antibiotics produced naturally, but many are either toxic to humans or of no greater effect than existing ones; some antibiotics are used in other ways.
Research continues to refine different antibiotics to maximise their effectiveness with minimal side effects.

Interesting Note: Penicillin is actually toxic to Guinea Pigs. If the trials of this antibiotic had been conducted on guinea pigs, the drug may never have left the labs.

How do antibiotics work?
There are different classes of antibiotics and each works in a different way.
All antibiotics work by destroying part of the bacteria or its life cycle; some weaken the cell walls, some prevent replication and others inhibit enzyme activity. Some highly effective antibiotics aren’t used because they do the same damage to human cells; antibiotic action needs to be selective in some way to be useful.
It is by identifying which bacteria is causing a problem in the patient that a Doctor is able to select the most appropriate antibiotic to use in each case; each bacteria is more susceptible to one class of antibiotic than others.
Antibiotics can kill bacteria other than those which are targeted; naturally occurring bacteria in the body may be killed along with the invading bacteria causing illness. The death of these useful bacteria can have a number of affects on your body: normal processes such as digestion may be interrupted; your body has less resistance to a subsequent attack; and various systems will be out of balance.
Eating yoghurt containing live bacteria such as lactobacilli helps replace some of the beneficial bacteria inadvertently killed.
Antibiotics can NOT kill viruses and thus are useless in fighting colds, flu, chicken pox and other viral diseases. Disease causing viruses are much harder to destroy as they are embedded within the human cells, so destroying one also destroys the other.
Why finish the packet?
Many antibiotics have a quick effect as they kill off the bulk of bacteria rapidly and you begin to feel better. At this stage, people often think they are better and stop taking their antibiotics.
However, as antibiotics work on the replication process in many cases, there may be new cells not killed so quickly. If you continue taking the antibiotics, all new cells developing will be killed as well; antibiotic prescriptions are timed to be appropriate for how that particular antibiotic works.
Think of it this way: a child being toilet trained will need reminders and assistance even after a couple of successes. The training goes beyond an apparent finish until there is a real achievement.
Taking part of the prescribed amount instead of all of it is likely to result in a flare up shortly afterwards.
Antibiotics have saved many, many lives and give us security in our daily lives. As long as we respect their power and use them wisely, antibiotics will serve us well for many years to come.

Neural Tube Defects

Within the first four weeks of pregnancy, the embryo forms and closes a neural tube. This tube becomes the spine and brain of the developing child. If the tube doesn’t close correctly, the baby is said to have a neural tube defect (NTD).
There are two main types of NTD – spina bifida, where the spinal cord isn’t closed properly, and anencephaly, where the brain isn’t closed off. Spina bifida children are paralysed to varying degrees and usually have learning difficulties as well; anencephaly children die during pregnancy or soon afterwards.
NTDs can be tested for at about 16 – 18 weeks of pregnancy, and they catch most cases if they use ultrasound and the triple test.
Who has NTD babies?
Unfortunately, NTD babies can happen to anyone – 95% of cases are in families without a previous history of NTDs.
However, there are some factors that make it more likely for the woman to conceive a NTD baby:
  • Having had a NTD baby in a previous pregnancy makes it twenty times more likely subsequent children will have one, too
  • Being obese – as defined by a doctor, not just being overweight
  • Experiencing high body temperatures in early pregnancy. This could be due to a fever or sitting in a hot spa or sauna (not recommended for pregnant women anyway.)
  • Taking some anti-seizure drugs. If you are epilectic or require these drugs for other reasons, discuss whether you need to change medication before getting pregnant.
  • Having insulin dependant diabetes
  • Hispanic people have a higher rate of NTD
Prevention
As NTDs develop in the first 4 to 6 weeks of pregnancy, they often happen before the woman is even aware of being pregnant so prevention needs to occur before pregnancy.
Obviously, anything that takes you out of the risk groups listed above will cut down the chances of having a NTD baby.
The biggest means of reducing the risk, however, is by simply taking 400 micrograms of folate (or folic acid.)
Daily doses of folic acid in the month before conception and for at least three months after conception reduce the risk of NTD by 70%. That means, that for every 10 children who would have developed a NTD, 7 of them can be prevented with folate.
Considering that about half of all pregnancies are unplanned and that folate is needed so early in pregnancy, it is important that women who may become pregnant take folate daily. Research is also showing other health benefits from taking folate daily so it is in everyone’s interests for this to happen.
Unfortunately, only about one third of women are getting enough folate in their diets. Many foods are now fortified with folate; some cereals actually have the daily requirements in each serve.

25 Interview Questions

Whether it’s your first interview for your first job or another interview after years of working, going to an interview is nerve wrecking.
To have been given an interview, you either presented well in your resume or have been recommended to the position. In both cases, you can take some confidence from the fact that you were short listed from potentially hundreds of applicants.
In order to give yourself the best presentation, considering what will be discussed at the interview can help. Even better is to do some role playing with a friend playing the role of an interviewer.
Take the time to really consider the following questions and how you could answer them to best effect. Even if they don’t come up in your interview, maybe you will learn some thing useful for yourself!
  • What is your greatest strength?
  • What is your greatest weakness?
  • How do you organise yourself?
  • What are the important elements of customer service? (and don’t ignore this question just because you aren’t going to be a salesperson)
  • Give an example of when you had to negotiate with a difficult customer
  • Can you do {insert relevant skill}? Practise this question for a skill you can’t do …
  • Where do you expect to be in five years time?
  • Why did you leave your last position? (keep it positive)
  • What was best about your previous job(s)?
  • What did you least like about your previous job?
  • What salary are you after?
  • What appeals to you about this job? Or Why are you applying for this job?
  • Tell us about yourself
  • What were you doing during this gap in your resume?
  • You changed careers; why?
  • How do you handle stress and deadlines?
  • How do you go about making serious decisions?
  • What is your biggest achievement in life?
  • How do you manage multiple tasks at once?
  • Why did you decide on this career/industry?
  • What is your ideal job?
  • Show an example of working with a colleague you didn’t like
  • How do you characterise your working (or supervisory) style?
  • What professional organizations do you belong to? How actively do you participate in them?
  • Are you computer literate? How competent are you in (software type)?
Some of those questions need to be answered carefully so that you are remaining positive and constructive.
For instance, an accountant I know answers that his greatest weakness is being too pedantic about details; of course, employers want an accountant to be details conscious so this puts him in a good light.
With thought and planning, you can turn hard questions to your advantage.

Top Ten Tips to resume writing for professionals

Unless you are going for a job through a contact, you are likely to require a resume. Of course, the prospective employer will receive many resumes for each job vacancy and towards the end of each school year.
The job of a resume is to get you into an interview; it will not get you the position, so you don’t need to include every detail as you will be able to expand on the resume in the interview.
So, you need your resume to say all the right things about you.
    Above all else, consider the basics: it must be typed, on decent paper, in order, spelt correctly and up-to-date. This all applies to the cover letter as well. Avoid anything that may be offensive or considered unprofessional or tacky; this is not the time to showcase your sense of humour or talent at cartoons.
Ensure your contact details are permanent and present professionally; for instance, choose an email address that is simple rather than cute or funny. Use the address of your parents or friends if you don’t have a stable home for the next few weeks.
    Set it out clearly and logically. Let each section lead onto the next and have headings to separate sections. Have space around and between the sections so it is easy to read and scan.
    Never assume knowledge in the reader, so include the details. Instead of writing “worked as an engineer for 6 months” write “worked at XYZ Company as an electrical engineer between 1/1/03 and 30/6/03.” Make it easy to understand and trust your information.
    Keep it relevant.Sure you may have worked as a supermarket cleaner as a teenager, but that won’t help you win a job as Accounting Supervisor as a thirty year old. Of course, new graduates may need to list such part time jobs until they gain more relevant experience.
If all qualified widget makers belong automatically to the widget guild, you needn’t mention it. However, if only selected widget makers are admitted, then it is worth mentioning – assuming widget making is related to the position you are applying for!
    Make it as short as possible – nobody wants to, or is likely to, read a long resume. If you can’t shorten it, consider a summary page with all contact details and a timeline of experience and qualifications. Alternatively or jointly, make sure the resume has clear sub headings so that the overall pattern can be seen and the detailed bits can be read if desired.
    Present the resume professionally. That is, avoid the use of:
Ø      fancy fonts that are hard to read
Ø      a mixture of fonts
Ø      italics and underlining, except for document titles
Ø      pretty graphics – unless you are a graphic artist after a graphics position
Ø      chatty and casual sentences
    Describe the major tasks from each work experience listed, but do so briefly and in formal tones. For instance, “Assisted in research and analytical reports for mechanical engineering department” or “Lead a team of eight in a two year project to develop a new in-house software program.”
    Make your headings and job titles tell a story and then you’ll need less description. Describe your past experience as “Computerised Account Recorder” or “Sales and Service Manager for State X”, rather than “account clerk” or “Sales representative.”
    Qualify your tasks where this enhances your appeal. National Coordinator tells more than coordinator, as does “managed accounts for 1,000 suppliers” compared to “managed supplier accounts.”
    List your skills in terms of the benefit to an employer. Would you choose the person who has “worked on quality assurance issues” or who has “reduced costs by 20% in the human relations department”? Think about how your skills can benefit the employer and tell him or her!
 Ideally, your resume should be rewritten for each position you apply for. Thus, you can highlight the relevant parts for that employer – reorganise points so the most important is first and bold certain elements to stand out.
 Analyse each ad or company and tailor the resume and cover letter accordingly. Each employer has specific wants and needs for the position, so your resume must assure them that you can fill their criteria, and more.

What is Networking?

Funny how one little word can cause so many to cringe and others to be confused, and yet be such a useful tool for successful businesses.
Maybe you dread it because of a bad experience, or you’ve heard bad reports or maybe you think you are too shy for it; perhaps you don’t really know what networking is.
What is networking, really?
If you want to catch fish, you would not use long pieces of string individually; a single string won’t help you. However, when a number of strings are tied together as a net, they can catch many fish.
Essentially, business networking is the same; by interconnecting with other businesses, each one increases its ability to catch prospective clients.
The Concise Oxford Dictionary defines it as a ‘chain of interconnected persons’ which really describes most of your everyday life; business networking is simply recognising a normal process as a useful tool.
Why should I network?
The best networks are built on relationships between the people who own and run businesses.
The obvious impact of networking relationships is that people trust you and may use your service or product at some time. In this sense, networking is useful but has limited scope unless you spend a lot of time talking to other business owners.
Beyond this, networking can do much more for your business. Within a networking relationship, trust and knowledge is built between business people. By learning about other businesses, you are able to refer them to your clients who want something you can’t offer.
On a purely business level, the advantages to you of promoting another’s business are:
    You earn goodwill from that business, thus increasing your chance of serving them at some point
    Your customers will be happy to find what they are after easily and with a recommendation – this is called value adding and will build customer loyalty
    Providing more to customers increase the likelihood of them praising you to others
    Your networking partner(s) will also be promoting you at appropriate times
Whenever your business is recommended to another person, this is called word of mouth advertising and it is the most powerful form of advertising there is.
By networking, you are also increasing the range of people who can hear about your business. You may be able to tell three people a week about your business; a group of ten people may each tell one person a week about your business. That has already increased your exposure by about three times!
On a different level, by networking you are exposing yourself to new people and new ideas, and potentially gaining support and resources for your own business. Belonging to a good networking group can be a major factor in business growth.
How do I network?
Every time you speak to someone about your business you may well be networking. Networking is all about talking to people and spreading the word about your business.
You can limit your networking to casual conversations with friends, acquaintances and local business owners, or you can take a more formal approach.
There is a wide variety of networking options available:
    Join an online business community – either a general business site or one  related to your particular area
    Join a formal networking group – these groups meet regularly and limit membership to one of each business type
    Attend networking functions – such functions are run by various bodies, including formal and online networking communities, and often include a guest speaker. Some are members only and most incur a charge.
    Join a community group of business people working in the community – this is not a business network as such but is a great opportunity to contribute as well as meet people with common interests
    Arrange some cross promotions with complementary businesses – perhaps have some of each others’ business cards available for clients or share some ad space in an expensive magazine.
 Thus, networking is of great benefit to a business and can provide support as well; it can even be fun! And you don’t have to be an outgoing person for it to be effective; honesty and an interest in others are all you need to succeed.

Being a Professional

It doesn’t matter if you work for yourself or a boss, there are expectations that you will be professional in the course of business.
But what is professional behaviour?
Most people would probably find it easier to tell you what being unprofessional is, giving examples of unprofessional people they have dealt with in the past. However, it is much easier and more positive to know what to do than not to do.
Thus, some major aspects of professional behaviour are listed below:
Respect for Others
Showing others respect is the basis of all professional behaviour. It includes:
  • Being courteous and having good manners
  • Being punctual
  • Keeping confidential details confidential
  • Being fair in all dealings
  • Keeping personal opinions of people private
  • Doing what needs to be done, not leaving it for others to do
  • Acceptance of constructive criticism
  • Being fair and gentle when giving feedback
  • Dealing with sensitive issues privately
  • Make allowances for other’s mistakes
  • Listen to others
  • Apologise for any errors or misunderstandings
  • Speak clearly and in language others can easily understand
Responsibility and Integrity
This is where you must take care of yourself and present yourself in order to gain others’ trust and respect.
All professionals need to take responsibility for themselves and their work. They need to consider consequences and the impact on others.
  • Honesty is crucial – avoid even the smallest of lies at all costs
  • If you commit to something, then follow through with it
  • If you are delayed, let the other person know as soon as possible
  • Always be respectful about competing businesses/people – point out your benefits rather than their faults
  • Be prepared before meetings and when presenting reports and the like
  • Ensure you have made yourself clear to avoid any miscommunication
  • Avoid conflicts of interest
  • Be impartial – keep personal bias and intolerances out of the business world
  • Be reliable and dependable
  • Take appropriate actions, rather than trying to hurt someone or their business when you feel wronged
  • Ensure you present yourself pleasantly with good hygiene and appropriate dress codes.
  • Pay for services and products promptly, whatever the cost to yourself
  • Demonstrate self-control and avoid public arguments and disagreements
Commitment to Quality
A professional always aims to give the best they can. Whether it is putting together a product that will last and be safe to use or providing a service of value, you need to do give the customer more than they expect.
Never give out work you are not proud to have your name on and always do your best work, and the results will reflect these attitudes.
Commitment beyond yourself
A professional can see beyond him or herself and is willing to share.
Some ways to give to others in a professional capacity are as follows:
  • Take on an apprentice or student
  • Participate in professional organizations you belong to
  • Volunteer services to a worthy community or charity group
  • Encourage conservation within your work place
  • Join networking groups and help the members
  • Have referral systems in place with competitors for busy periods and complementary services
Essentially, being professional is about seeing beyond the immediate needs. By thinking about the long term perceptions of you and your business, rather than a quick dollar or score, you are likely to behave professionally.

Business Bank Account

Most new businesses are run on a tight budget, and everyone knows that having an extra bank account will cost more in fees. So how should a new business deal with its money?
 Why Have a Business Account?
 Having a separate account for your business and personal finances makes accounting much simpler. Your business records will (hopefully!) tally exactly with the bank records if the account is solely for business use. This helps you keep track of where your business is, financially, and be easier to prepare reports, tax returns and BAS statements.
 Assuming that at least some of your income will be gathered in the form of cheques, a business account also simplifies deposits. A cheque made out to Business DEF can’t be accepted into your personal account; your invoices must clearly state “please make all cheques out to R Smith” and even then you may get DEF cheques that you can’t easily deposit.
 As a sole trader, cheques made out to the business name and your personal name can be accepted into your business account.
 Don’t forget that all bank fees in your business account can be claimed as expenses in your tax returns, too.
Which Business Account do I need?
 Each bank and credit union will have its own business account, or accounts, for you to look at. All have a different fee structure to those in personal accounts; you are likely to have to pay a fee for each deposit, withdrawal and cheque.
 It is best to look at a number of accounts and compare them in terms of your own business. For instance, if your business will receive many cheques and pay out money infrequently, an account with low deposit fees will suit you better; a business receiving direct deposits or few and large payments may not worry about low deposit fees if the monthly fee is low.
 Before looking at potential accounts too closely, plan out the types of transactions you anticipate in each month. Having this guide will allow you to make realistic comparisons between accounts.
 Some factors to consider in choosing your business account are:
 v     Monthly fees
v     Deposit fees, including additional charges for depositing cheques
v     Access modes (eg will you get an ATM card?)
v     Is there a credit option? Either credit card or overdraft facility
v     Withdrawal fees – including for bpay, direct debits, over counter and cheques
v     Convenience – where is the nearest branch? Nearest ATM? Is it easy to transfer to/from your personal account?
v     Can you access net banking? Phone banking?
v     Costs for money conversions if you have/expect many overseas transactions
v     Does it pay interest? Note many business accounts don’t pay interest, or at least not on small balances
  Note ALL cheque accounts incur a tax on every withdrawal. This is a government tax and will be the same for all financial institutions.
  How do I get a Business Account?
 Once you have selected your account, you will need to visit the bank and set it up. Some of the set up may be possible online, depending on the bank, but there is paper work to be handled that must be done in a branch.
 All business accounts require a Business Name Search before it can be fully operational. This is to check that it is a legitimate business and that you have the right to set up the account. Most places charge you $40 to $50 for this, which is mostly a statutory charge for the actual search.
 To open an account you will need:
 v     Copy of Business Name Certificate (some places want this, others don’t)
v     Copy of ABN confirmation
v     Personal identification (100 points worth as per opening any account. Some examples for this are your licence, passport, existing bank account details, Medicare card, utility bill and a birth certificate.)
v     Money for an initial deposit. The money required will be at least $50 to cover the name search; each bank will have a different minimum amount depending on the account features.
v     A completed application form with the name, address, contact details and birth date of each account holder included.

How to Make Vista Run Faster

1. Introduction
‘The Wow starts Now’, was the catch-cry at Vista’s lavish launch early in 2007. The campaign was slick and glossy, but it didn’t take long for users to complain in droves that Vista was as slow as a wet week, a resource hog and painful to work with. The cool aero-glass look wasn’t enough to offset the pain. The verdict: Vista was a cane toad in fancy drag.
Microsoft’s infrequent responses reflected, with crystal clarity, the company’s arrogance. ‘Frankly, the world wasn't 100 percent ready for Windows Vista,’ was how one spokesperson put it. Mostly, Microsoft ignored the howls of protest because it knew that Vista would sell up a storm regardless, because it gets installed on almost every new PC sold.
By mid-year, the rousing chorus chanting that the Wow had become a mere whisper stung Microsoft into action. A new campaign was launched: ‘100 Reasons You’ll be Speechless.’ The marketing hype took enormous liberties with the truth and failed to mention the heavy slug of the Vista upgrade price or the cost of the extra hardware needed to run it.
By the end of 2007, most of the early wrinkles - including missing drivers - had been ironed out via various updates, but Vista’s poor performance remained. Those who hope for Service Pack 1 to improve things will be out of luck, as the tests at this site show. Service Pack 3 for Windows XP, on the other hand, showed a 10% improvement.
Reality bites
Vista’s advantages over XP are largely cosmetic, despite what Microsoft says, while some of its drawbacks are very real. For a light-hearted take on this comparison, check this story which uses reality inversion to great effect by introducing XP as the successor to Vista and going on and on about the many improvements XP introduces.
Bottom Line: If you have a well-working XP set-up on your PC, keep it. There’s little you can achieve with Vista that you can’t do faster with XP. If you run professional graphics applications, the lack of support for the OpenGL graphics library under Windows Vista is an extra handicap. The same applies to CPU-intensive applications like video transcoding, where Vista lags a long way behind XP.
The old XP theme doesn’t look too bad if you change the blue borders for silver ones (Control
Panel>Display>Themes) and replace the green lawn with a pretty picture (right-click on picture>set as desktop background). If you’re still hankering after Vista’s eye-candy, there’s plenty of it and it’s mostly free.

Vista Style is a popular choice. Vista transformation pack is another. Be warned that some of these transformations can have unintended effects on system stability.
If you still have your heart set on Vista, the best way to avoid the steep upgrade price is to buy it with a new PC. My Vista Business edition came with a bargain Compaq Presario laptop I bought on sale (twin AMD Turion cpus, 1gb of RAM, nVidia go 6100 graphics).
"Vista makes using your PC a breeze"
This is one of the first of the ‘100 Reasons you’ll be speechless’. It did that alright because, fresh out of the box, Vista Business took many minutes to reveal its full glory, the long periods of darkness relieved occasionally by the mouse pointer appearing with the circle spinning like a top.
About performance, the 100 reasons list says this: ‘New technology in Windows Vista makes your PC significantly more responsive while you are performing everyday tasks. Improved start-up and sleep behavior helps both desktop and mobile PCs get up and running more quickly ...’
Don’t believe a word of it - Vista runs many more services than XP and uses far more resources as it looks after itself. That’s no surprise, since new Windows releases have always been heftier than previous versions, and Microsoft’s architects have always relied on Intel to restore performance. Put another way, ‘whatever Intel giveth, Microsoft taketh away.’
"It’s the Safest Version of Windows Ever"
This is the third reason in Microsoft’s 100 reasons campaign. With Microsoft’s poor track record in security, that’s not saying much. Vista’s User Account Control, the great new security feature here, is about as well-thought out as Bush’s invasion of Iraq.
What is the point of forcing a user (who is also the administrator) to re-enter the same password she started the system with, over and over again, and going all dark on her every time she wants to do something? It’s worse than the constant pop-ups in XP that warn us not to open files from un-trusted sources (including those from Microsoft). At least that made you stop and think. UAC just makes you mad.
And Vista still needs the same old security software to keep it protected, despite Microsoft’s assurances to the contrary. More of that further down.
2. Optimize Windows Vista for better performance
That’s the title of one of the articles Microsoft has dribbled out of late to address the issue. It shows clearly that Microsoft is still in denial, preferring to blame the user: ‘That state-of-the-art PC you bought last year might not feel like such a screamer after you install a dozen programs, load it with anti-spyware and anti-virus tools, and download untold amounts of junk from the Internet.’
That’s adding serious insult to grave injury, but the court jesters at Redmond aren’t done yet: ‘Sometimes changing your computing behavior can have a big impact on your PC's performance. If you’re the type of computer user who likes to keep eight programs and a dozen browser windows open at once—all while instant messaging your friends—don’t be surprised if your PC bogs down.’
There you have it, you pitiful dumb users. The final insult for this user who bought a brand-new laptop with Vista Business installed is this piece of advice: ‘If your PC is rated lower than 2 or 3 [on the Vista Experience Scale], it might be time to consider a new PC ...’
The Vista Experience Index
In the Control Panel, clicking on ‘Performance Information’ leads to a panel where Vista offers to rate the Presario's performance. Taking up that option produces an ‘Experience Index’, which holds up numbers like those sullen judges who rate Olympic ice skaters.
You’d assume that the score is on a scale of 5 but it turns out to be out of 5.9, a number only the King's architects could conjure up, isolated as they are in their tall towers at Redmond. They say it's the nVIDIA GeForce Go 6150 integrated graphics chip that's letting the side down, which I’m not ready to accept. For one, the Presario handles Ubuntu’s Emerald’s aero-glass and compiz-fusion 3D with no dramas of any kind.
When you explore 'learn how to improve your computer's performance', you’ll find that Vista's first suggestion is turning off the aero-glass. Microsoft’s article makes the same suggestion, but why would you turn off the WOW already? Isn’t that why you bought Vista in the first place?
Getting rid of excess baggage
Let’s move on. Our tweaks are for simple users with a working knowledge of Windows. Most involve turning off various services Vista starts automatically, whether you need them or not. To follow the simple instructions here, please choose ‘Classic View’ on the left hand side of the Control Panel.
We’re not going near the Windows Registry, where one wrong move could stop Vista dead in its tracks - we’ll keep it nice and simple.
The first candidate for deletion is the Vista Welcome screen. This is an easy checkbox at the bottom left of the screen.
 

Vista’s Sidebar is also on by default. I like a sidebar but Vista’s gadgets are on the garish side and ill-matched. You can turn the Sidebar off by right-clicking the Windows Sidebar icon in the system tray> Properties>Uncheck the Start Sidebar when Windows starts box.
User Account Control is the next item on our list: Control Panel>User Accounts>Turn User Account Control on or off. Uncheck the box that says ‘Use User Account Control to protect your computer ...’
Stop auto-start applications
The simplest way to do this is to run Windows Defender>Tools>Software Explorer. Go down the list and disable the start-up services you don’t need. This is one of the few useful suggestions made in the Microsoft piece. 
If you’ve already installed a security suite that includes spyware protection, you may want to turn Windows Defender off as well. Bring up Windows Defender from the main menu, click on Tools>Options, scroll to the bottom of the long panel until you see the ‘Administrator Options’, uncheck the ‘Use Windows Defender’ box and click SAVE. Confirm in the pop-up panel that you mean it, click Close, and you're all set.
If your security suite includes a firewall, you should turn Vista’s firewall off. Some security suites do this for you – check Control Panel>Windows Firewall.
Other candidates
Microsoft’s article suggests uninstalling programs that are no longer needed, and getting rid of excess files. That’s like saying that washing your car will make it go faster. The advice to restart you PC at least once a week hints at users who’ve grown tired of waiting for Vista to boot up and shut down.
User Account Control is a pain and a drain on resources. UAC’s primary purpose is to stop users from doing dumb things, like downloading suspect files or programs from unsavory sources. If you use common sense, download files only from reliable sources and have decent security software on board, there’s no need for Vista’s heavy chastity belt.
Vista has a new search feature which replaces that useless puppy of old, but it indexes your files in the background to make searches more snappy.
If you use Google or Copernic desktop search, you can turn this feature off. The easiest way is to open the Control Panel>Programs and Features>Turn Windows features on or off.
Google desktop offers a sidebar as well. Right-click on the Google Search icon in the notification area (bottom right of screen), tick the sidebar option and choose your gadgets. If you choose carefully, they’ll look neater than Vista’s garish collection.
Vista’s built-in disk defrag utility is enabled and set to keep your files tidy in the background. This is overhead and overkill, and Vista’s defragger does a pretty poor job anyway. You can turn it off this way: Control Panel>Performance information and tools>Advanced Tools>Open Disk Defragmenter. Uncheck ‘Run on a schedule’.
Automatic backup is another candidate for deletion. It works in the background to back up files as you work. It’s a nice idea but you may not have an external drive, or you don’t have it connected all the time, or you’re running Vista on a laptop and backup your work when you get home. Most likely, you already have your favourite backup and defrag programs sorted out.
Antivirus Software can bog a PC down faster than a mud slide. Norton, McAfee and Trend Micro used to be the worst offenders but Zone Alarm Internet Security Suite is the new champ. The suites that have the lightest footprint and interfere the least are ESET NOD32/ESS, Avira/Antivir and AVG. The first two also provide the best malware protection currently available.
Laptop Users have found that Vista sucks battery juice like a Hummer guzzles gas. So much for Vista smarter power management capabilities. I said that Aero-glass wasn’t a big drain on performance but it is a drain on batteries because the video is doing the work, and the video card consumes power.
When you want to get the most out of your batteries, turn off the aero-gloss. You’d assume that you do this under Personalization but Microsoft likes to play hide-and-seek with us as usual – go to Performance Information>Adjust Visual Settings>Visual Effects and select the radio button next to ‘Adjust for best performance. That turns Vista Business into Vista Home Basic but it conserves precious juice.
Tuning for Performance
The easiest option on a PC with 1gb of RAM is to double it. A simpler and cheaper way to raise performance is Vista’s Ready Boost feature, which uses the flash memory of a USB stick as additional RAM. Simply plug the USB flash drive in and select My Computer, right-click on the USB drive, select the Ready Boost tab, choose ‘Use this device’ and select as much space as you can. 2gb is optimal for 1gb of RAM.
It makes a small difference to overall response, which will vary from PC to PC. I ran a simple benchmark often used by PC mags called PCMark05. Without the USB stick, PCMark05 came up with 2431. With a 2gb Cruzer flash drive, the number was 2741 – a 13% improvement. Not bad, but it doesn’t feel that much faster.
Bear in mind that flash drives vary dramatically in read/write speed, even the newer USB2 types. The Cruzer is among the faster ones but a Lexar Lightning might’ve come up with a slightly better number.
Disk Performance can be optimized for SATA disks, which are the norm these days. Here you can enable write-caching and advanced performance.
This will speed up disk access but it has a downside: if you lose power suddenly, you’ll loose whatever data was sitting in the cache at the time. If you’re running Vista on a laptop as I am, that’s okay since the batteries take over when the power cuts out.
To enable better hard disk performance, right-click on your hard drive in ‘My Computer’ and go to Hardware>Properties>Policies where you’ll find the check boxes we’re looking for.
Superfetch is a new Vista feature that learns your habits and pre-loads the apps you use most often and keeps them on stand-by after you close them. It makes start-up a little slower but speeds up launching programs. The experts say that superfetch needs 2gb of RAM to show a benefit, or at least a USB drive on Ready Boost. With systems running 1gb of RAM, the advice is to turn it off.
I tried both settings - Start>Run> type ‘services.msc’> scroll down to superfetch >right-click>properties>change startup type to disabled and status to stopped. Turning it off produced no improvement in speed of any kind. Against the odds, the Presario seems to run better with superfetch left on.
This is one of those things that comes down to individual set-ups: by the time I got this far down the list, I’d cut the number of running services down from over 70 to 45 (see below) and Vista was using just over 500mb of RAM instead of over 700 at idle. That meant I had some spare RAM left for superfetch to work on. On systems with less available RAM, it may slow things down – there’s only one way to find out.
The Page File is a small part of the hard disk Windows uses as ‘virtual memory’. In XP or Vista, you can adjust the size of the page file but just how much difference it makes is a hotly debated topic. Bring up the Control panel, choose System>Advanced System Settings. Choose Settings in the ‘Performance’ panel and then ‘Advanced’ in the Performance Options panel. Now you see a page file size, set to a minimum of 1500 here (if you have 1gb of RAM). Click on ‘Change’ and set the maximum number to 2500, then click ‘Set’ and ‘Apply’ and close the panels with OK. The common advice is to make the upper number 2.5 times the actual RAM.
That’s about it for the easy tweaks. By now you should have a Vista setup that works reasonably well. The next section explores an area that is more tedious but it may help to improve performance by another 10%. It’s the law of diminishing returns.
Serious Tweaks for Serious Types
Unless you’re a competent user, you might want to skip this section. When you turn on your system, Vista starts up a host of background services for applications you may never use – Network Printing or FAX and Smartcard services, for example, and offline files and tablet PC and blue tooth stuff. Most of Vista’s services are much more obtuse, and you’ll need a reliable guide to help you decide whether you do or don’t need them.
I used two guides to help me: this one from Black Viper's well known website, and another a stumbled on. The two guides don’t agree, which adds some drama to the tedious exercise. If in doubt, go with Black Viper’s ‘Safe’ settings, and don’t let the name put you off.
The second list is a bit more radical and best left alone unless you’re looking to trim every bit of excess fat from Vista’s bulk. If in doubt, don’t disable a service but set it to manual. That way, a program or service that depends on it can prod it into action.
To find the list of services you can use RUN and key in "services.msc", but a program like Starter from Codestuff is a better option.
Starter makes the job a little easier with one click descriptions of running programs, services and processes. Just double click on the service you highlight and a panel pops up telling you what it is. Starter also has a section where you can easily check the services that keep ingratiating themselves in the start-up process.

Unexpected Rewards
After hours of fiddling, we've got the number of start-up processes down to 45, and the RAM that Vista chews up just idling is down to 500mb. Another reboot produces a big surprise: the login panel pops up in about 40 seconds, and it takes another 50 to get ESET’s signature database updated, the icons on the desktop settled down and Google’s sidebar up and working. Google desktop/sidebar runs 3 processes and uses over 20mb of RAM so it has an impact on performance.
Still, programs are fast to launch and files quick to open, and I'm beginning to like using Vista rather than just admiring the show. What we have now is close to optimized XP performance, which is hard to believe after reading so many stories about Vista, the slug.
Most of it was easy. Just what difference disabling the extra services made is hard to measure but it gives Vista much-needed elbow room on a machine with 1GB of RAM.
Keeping the Edge
Windows tends to get clogged up over time, and Vista is no exception. It’s worth cleaning out temporary files, the gunk that builds up in applications and in Windows, but registry cleaners that boast of restoring your PC to as-new performance aren’t worth the money. The only software that boosts performance is a good disk defrag utility, and that doesn’t involve the risk of breaking the fine china in Windows’ special cabinet – the registry.
The experts say that the best way to rejuvenate Windows is to re-install it from scratch. For most of us, that’s about as much fun as doing tax returns. And it takes longer, given the time it takes to restore all your data and your programs, and to update Vista.
An easier way to do this is to take a snapshot of our trim, taut and terrific Vista installation with disk imaging software like Acronis True Image (or the free version of Seagate Disk Wizard, if one of your HDs is a Seagate or Maxtor drive).
My Presario didn’t come with a Vista install DVD – just a restore partition – so a disk image is essential. Now I have an easy and complete emergency option that restores my last optimized configuration, not the one HP put on the restore partition a year ago.
And remember, it’s not the stuff you pile on your hard drive that adds the performance-strangling bulk, it’s Windows. Just take a look at this chart I found on WikiPedia
The table doesn’t tell the whole truth, though: the specs given for XP above have increased dramatically over the last five years, after many updates and major revisions like Service pack 1 and 2. In fact, at the time of Vista’s release, Windows XP takes as much hardware to run well as is listed for Vista in the table above.
The old PC I’m writing this on reflects this trend perfectly: it started life back in 2002 with a 600mHz CPU, 128mb of RAM and a 20GB hard disk, which seemed overkill at the time. Several upgrades later, it runs a 2.4gHz CPU, 1GB of RAM, and a 320GB hard disk. The original 20GB HDD – a Seagate Barracuda that is still doing duty for file backups – is now just big enough to hold Windows XP (including restore, page file, hibernation file and trash can).
If this trend continues with Vista, and there’s no reason to assume it won’t, by 2012 the new OS will need a CPU 5 times more powerful than current issue, 8GB of RAM and 150GB of disk space. So be prepared for the occasional hardware upgrade.