Flavor Pairings: Why Grow Herbs For Cooking, Cocktails, And Culinary Crafts

I remember my first herb class on growing herbs for culinary and creative crafts. I left that annual herb sale with young fragrant plants, with just enough knowledge to be dangerous wielding a trowel, and a perpetual enthusiasm that all contributed to help me form my first edible garden oasis.After a trip to Home Depot, I was armed with shiny silver tools, bags of potting soil to house my foliage friends, fertilizer to make them grow, and the inner drive to begin digging my way to becoming a green thumb farmer girl!Now, 20 years later, it’s hard to imagine my kitchen without a bunch of basil on the counter, herbs drying on racks, and jars of dried oregano and chocolate mint within easy reach at each meal. From summer’s juicy ripe berries, peaches, and tomatoes to fall’s vibrant harvest of squash, pumpkin, and sweet potatoes, onto holiday turkey and ham feasts, and into hearty winter stews and casseroles, herbs enhance every season’s fare!

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I’m still thrilled to witness the miracle of propagation each time with every plant. I shelter them in stormy weather, talk to them while watering, trim their leaves, and weed their beds. In return, I’m rewarded with savory, spicy, and fruity aromas, a relaxing hobby, a healthy method of adding flavor to food and cocktails that lasts all year long, and great natural photography backgrounds!Do you have herbs and are looking for ideas on how to use them? Do you see those little plastic packets of greenery hanging in the grocery store but have no clue what to do with them? Maybe you want to expand your culinary horizons and explore your green thumb capabilities? Many people are lured into using fresh herbs through the culinary route.This is the first in a series of articles on growing herbs for cooking, cocktails, and culinary crafts. Plus tips on pairing all kinds of flavors, from custom infused oils and balsamic vinegars to herbs, spirits, sweet and savory dishes. When you marry the right foods together into a succulent harmonious balance, the results are amazing and herbs contribute such character to your cuisine.This isn’t about becoming a food snob or being tethered to rules, except for this one; seasoning is vital in cooking and herbs go hand in hand with that philosophy. I’ll offer general guidelines along with novel combinations I’ve discovered but there’s no one taste fits all. It’s thrilling to develop original recipes and tweak the traditional dishes we savor. Play with new ingredients. It’s great fun to use homegrown edibles but if you don’t want to grow plants yourself, buy a few freshly packaged herbs from the store and practice cooking with them.Be daring with oil and vinegar selections. There’s a wonderful store called Savor The Olive in Virginia Beach that is a tasting room full of unique fused and infused oils and light and dark balsamic vinegars. If you have one of those in your area as well as wine tastings, take advantage of going for a visit. Experiment, so that your sense of taste gets stronger and more acute and it will tell you how much to use.

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Herbs add to the enjoyment of cooking and help you personalize what you’ve prepared. Being a chef is an art. Each person has a unique touch and flavor palate. The kitchen is your studio, the plate your blank canvas. Let instinct and imagination guide you. Herbs are one of the tools in your aromatic arsenal that enable you to present a mouthwatering masterpiece.Hope you’ll join me on a tasting tour of my fertile little deck farm as we pinch and smell the herbs, swirl and taste the wine, envision what main course will be the star of the plate, and tempt your taste buds with food that’s appealing to the eye and tongue.

Epcot International Food and Wine Festival – An Amazing Experience for Foodies

If ever there is a place where one can try all kinds of different foods, and pair finest of wines and beers with sweetest and savory dishes against one of the most magically themed backdrops then it is at the Epcot International Food & Wine Festival. Truly this one of the most anticipated WDW (Walt Disney World) events turns the entire Epcot Theme Park into a food paradise.Visiting the Park during the premier occasion is an amazing treat for all the food and wine lovers from across the globe. At every turn and every stop there is something very special and uniquely delicious for you to taste and try. In fact it puts you right in the middle of a culinary adventure unlike any other. Thanks to Epcot International Food & Wine Festival for such an incredible and unique experience.

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Celebrated for its inspired culinary attractions, the special fall attraction offers the ultimate setting to explore the best of cuisine the World has to offer. Whether it’s the amazing food and beverage marketplaces or the lively food concerts, celebrity chef demos or the signature dinners and galas, it promises the most amazing culinary extravaganza ever.From the moment one enters the park it turns into a never ending journey of food and flavors. Imagine a place where your are exposed to an incredible array of ever-inviting food booths with their all new mouth-watering menus and attention to detail ambiences. Or just think of an experience that puts you right in the middle of some incredible and live music-acts while you are enjoying your favorite foods, wine and beer.I think for a Disney World fan a visit to this one of a kind event is a must. Being part of the epic celebration will not only make your vacation more special, but also exposes you to the wonderful world of tastes and aromas like never before. And regardless of whether you are attending the event for the first time or a repeat visitor for that matter, there will never be a dull moment at the party for sure. Also the addition of more and more new and innovative culinary attractions every year makes the event even more impressive to attend.

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The annual event is having its 19th edition of Epcot International Food & Wine Festival this year. And like every yaer it brings along a host of new surprises for this year too, featuring new marketplace menus (such as the Patagonia Marketplace with flavors of Argentina and Chile) and a host of premium dining experiences and much more. No special ticket is required to attend this unique WDW event. The event is included with the regular Epcot admissions.

Discovering The Joys Of Food and Travel

One of the best things about visiting new places the chance to combine sampling the local food and travel. One single country can offer an enormous variety of dishes. Indian cuisine is very sophisticated, though often we don’t know its diversity because the food in most Indian restaurants comes from the Punjabi region of northern India. The other great Indian styles of southern, eastern and western cookery are largely vegetarian, though some include lamb, chicken, fish and even goat.French cooking represents one of the greatest cuisines on the planet. Many of the dishes are rich with their use of cream and alcohol. ‘Escargots’ (snails) cooked in garlic butter might, along with ‘frogs’ legs, ‘ put you off your dinner. France also specialises in exquisite pastries (‘patisseries’). Liqueurs, spirits and a marvellous choice of wines also greet you when you visit France.

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Most of the Mediterranean countries have a cuisine worth trying and Spain is no exception. Well-known for its tasty snacks or starters called ‘tapas, ‘ Spanish seafood dishes can also be very tasty. As well as many excellent wines, you might like to sample one of the most famous national drinks – sherry, traditionally made in Jerez from wine fortified with brandy. ‘Sangria’ is a bit like punch, made from inexpensive red wine with added spices, spirits and fruit.In Mexico, Aztec cookery blended with Spanish ideas to create characteristic dishes wrapped in tacos or tortillas made from flour-based flat breads. Guacamole, a creamy dip made from avocado mashed with oil and garlic, is a favourite Mexican dish.Italy is famous for pasta and pizza. Pizza is equivalent to our word ‘pie’ and was the traditional lunchtime food for labourers in the fields. Every village used to have its open brickwork pizza oven and you could see women returning from the woods with baskets laden with a variety of mushrooms, to make the delicious ‘pizza ai funghi.’ Italian cooking is one of most ancient cuisines in the world, with over 300 varieties of sausage to choose from and 400 cheeses, any traveller is spoilt for choice.Middle Eastern cookery reflects something of the Mediterranean combined with more eastern accents, with its emphasis on warming spices, like cinnamon. As in Greece, ‘mezzes’ or appetizers, dips, pickles, are eaten with delicious breads. This cookery style uses a lot of pulses, like lentils and chick peas, with plenty of fresh and interesting salads, and maybe a little less meat.Thai cooking uses lime juice and lemon grass, to create delicate and subtle flavours. Recipes blend bitter, sweet, hot and sour flavours. Well-known for its fish sauce, Thai cooking also uses a lot of noodles. ‘Sushi’ rice and fish dishes may come to mind when you think of Japanese cooking. Developed over many historical periods, Japanese cookery includes a variety of sweets as well as rice-based dishes and many soya bean products and recipes. Chinese food has carved out a worldwide niche because of its adaptability. China also produces a dazzling array of green, black, white and scented teas.

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In modern folk legend, the English would be the cooks in hell. Despite England’s terrible culinary reputation, their classic dish of ‘fish and chips, ‘ shouldn’t be missed. Roast beef and Yorkshire pudding (which is not a dessert, but a savoury accompaniment) can’t be bettered on a cold day.

Food and Wine Tours – 7 Ways for Adding Culinary Depth to Your Travels

Food and wine had been the basis of their courtship. Marriage brought an end to these quiet and yet exciting times. She has said little through the years as he went off with golfing pals and corporate jaunts while she stayed at home. His conscious always treated her to spa visits and club memberships to make up for it. Now, he wanted something for just the two of them. Twenty five years together deserved a celebration.He was looking for a place near enough to allow them more time for each other and less time for travel. They needed to find a way of enjoying what they both loved and yet rediscovering their mutual passions for life and each other. One loved the outdoors and gardening. The other looked for a more urban relaxation. Their mutual love was preparing and eating great food. Thus a great culinary adventure is born.Culinary tours allow visitors to really experience the cultural roots of a region. It’s a little bit history, a little bit entertainment and a little bit educational. Yet it can also be an assault on the senses. What better way to involve all five senses?7 Delightful Ways to Design Your Culinary Adventure1. Celebrity/Master ChefsDining out has long been one of society’s favorite activities. Master chefs have left culinary schools for world-class restaurants, honed their skills and are returning in droves to their home communities to be a part of regional tourism and hospitality. The James Beard Foundation is dedicated to celebrating and preserving America’s cultural diversity and traditions. These master chefs are usually members of this foundation.Many are indeed, recipients of James Beard honors. You can usually get some great insights of where to dine by looking for press releases from this organization. Even better, there are categories for joining as a food and wine enthusiast. Of course, some of these master chefs do merit celebrity status. Be sure to make reservations in advance to get the most out of your visit.Cleveland’s Entertainment District hosts some of the city’s most popular restaurants, bars and clubs. Master chefs and celebrity chef, Michael Symon, all have their flagship restaurants here. This is a microcosm of Cleveland, and indeed America’s diverse cuisine. It is a great way to step into the culinary scene and branch out into the neighborhood that centers around your favorite taste. The ethnic neighborhoods of Cleveland are known for superb dining choices.

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2. Schools – Wine and Culinary/ Master ClassesWe have come a long way from Julia Child to the Food Network and beyond. What is important today is that food is recognized as essential to healthy living. Perhaps more important is that preparing healthy food can be at the core of reducing stress for busy professionals and providing touch points for family and friends to rally around.Luxury resorts and hotels have provided culinary excursions and master classes for generations. These are again gaining in popularity. Cleveland boasts both cooking schools and a wine school. These schools provide busy locals with the skills to take their culinary appreciation to the next level. They can also provide a great added value to a culinary tour of the region. Additionally, the nearby Culinary Vegetable Institute brings master chefs from throughout America as artists in residence for classes and private dinners on their campus.3. Luxury Hotel Culinary PackagesEssential to any great vacation is the need to replenish and revitalize ourselves. Some may choose a Bed and Breakfast but for those who see this basic need as a time to treat oneself to more than the ordinary choose a luxury hotel or resort. These hotels and resorts have in place a highly skilled, 5 star staff just looking for ways to delight the guests. Culinary tours are as varied as the hotels but can provide a great foundation for any regional food and wine tour.The Ritz Carlton Hotel of Cleveland boasts a culinary tour that includes face time with the Executive chefs, special dinners, tours of the West Side Market and the city. The concierge staff is poised to provide directions and reservations to other restaurants and attractions that add to the culinary experience.4. Farmers MarketsAmerica’s cities are known for the public markets that support the cities and restaurants. Seattle has its Public Market, San Francisco has its Fisherman’s Wharf, and Cleveland has its West Side Market. These are popular tourist destinations. There are ample chances to talk with local suppliers, sample the many treats and enjoy a pleasurable time people watching.Cleveland’s venerable West Side Market has been supplying the tables of families and restaurants since 1912. As one of America’s oldest enclosed markets, it sets the standard for the many farmer’s markets set up in both urban town squares and the rural areas surrounding Cleveland. This market supplies fruits, vegetables and a diverse array of the regional meats that make Cleveland so popular with gastronomers.A drive through any area in Northeast Ohio on a Saturday will supply a family with locally grown, healthy fruits and vegetables for a week. Concessions provide ample opportunity to taste the best of the regions. You can also check out the Farmers Union markets in town squares and shopping centers throughout Northeast Ohio on weekdays during summer months.5. Wineries/MicrobreweriesAmerica’s interest in locally produced wines and brews is growing. Wine regions are gaining in popularity as destinations. The Sonoma and Napa Valley regions of California, Oregon’s Columbia Valley, New York’s Finger Lakes and the Niagara region readily come to mind. Microbreweries are the next craze to attract regional visitors. Microbrew tastings as well as wine tasting are easily found in the wine regions. You can actually find wineries that are developing companion microbreweries on their properties.Northeast Ohio is home to Vintage Ohio, an event attracting thousands to sample the growing wine industry in the state. Home to several wineries and vineyards along Lake Erie, northeast Ohio provides ample ways to enjoy the ambiance of relaxing in a scenic vineyard with friends with a glass in hand. You can enjoy a picnic lunch or opt for a more formal dinner in the elegance of the winery.6. Farm ToursHeritage farm tours along the Ohio and Erie Canal are committed to capturing the farming techniques of the regional founders for posterity. Many Amish farms welcome visitors to tour their farms by request. Indeed you will find produce stands along the country roads leading to their farms selling whatever vegetables and fruits are currently being harvested in their fields and baked goods, cheeses and cured meats processed on their farms.

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The Culinary Vegetable Institute in nearby Milan, Ohio provides organic and heritage vegetables and micro-greens to the kitchens of some of the country’s top chefs and restaurants. Farmer Lee Jones, the spokesman for the family business, is gaining national acclaim as a celebrity guest at many culinary events.7. Community GardensUrban gardens are becoming vital parts of neighborhoods as families realize the advantages of homegrown produce. However they are not new in many communities. When a visitor is fortunate to find an urban garden gem that has been established for quite a while, that visitor is treated to a glimpse of the heritage of the neighborhood and lovely afternoons spent talking with the gardeners who share the space.The Brooklyn Heights Community Garden in Cleveland celebrates is now 100 years old. Its grounds are well-maintained by the coop members and classes for all ages are held in the greenhouse and garden center on the campus.Remember that anniversary couple? They spent a relaxing week in an area not too far from their home but a world away in new experiences. They cruised the back roads with the car top down, picnicked under the stars in a lakeside vineyard, joined other couples for an elegant and exclusive private wine dinner and shared an evening at the theater. There was even time for a tour of the Botanical Gardens, a little shopping and just the two of them for a few holes of golf. Of course that led to the couples massage in the luxury hotel where they stayed. The rest of the time is private.You can find more about regional destinations and culinary tours at my blog. Be sure to look up my review on Mr. Symons B Spot restaurant in Woodmere.

The Importance of Financial Services Technology and Banking Software

Financial institutions like banks, security companies and other lending institutions must have some type of system in place that can manage their staff, customers and sensitive paperwork. Financial Services Technology and Banking Software is a necessity for any financial institution if they wish to make their services run smoothly.

Financial Services Technology / Banking Software

Banking software should address the clerical aspects of any business, fund disbursement, collateral maintenance and management. It should be in place to regulate trading, securities, lending, interest rates and changes that are constantly happening. It should also have applications for customers, staff and management.

Benefits of Collateral Management Software

This type of software is used to reduce cost, decrease time, speed up loan processing, track customers, staff and paperwork. It also allows for staff analysis, it reduces duplicate data storage, and it offers electronic storage. It incorporates document linkage and tracks cash flow, and offers payment solutions and application modernization. Banking and collateral management software brings less risk and it helps with decision making.

Purchasing Software

Financial Services Technology and Banking Software can be purchased through online sources. There are several reputable companies that will offer a free consultation that will evaluate the customers business and determine the software that is appropriate for the business. Whether it is a large institution or a small business, there is a collateral management software package out there. It is best to do the research of the software company to determine if they have the years of experience, references, favorable reviews and the customer service to back it up.


Banking Software has improved over the years and it has been upgraded to include securities, investment areas, loan processing and several trading applications. Customer applications, financial portfolios, staff paperwork, market interest rate, and current management solutions are all available through the right software. Any type of baking software should reduce cost and make every aspect of the business come together with automatic updates and easy transition between departments.

Decreasing processing time with applications is a necessity for any efficiently run banking institution. Time is money and in today’s economy any way to cut down unnecessary cost is welcomed. Time management, money management, interoffice communication and interchanging quickly between financial applications are needed to run a financial institution. A financial institution wants to be able to get the customer in and out quickly, but with complete satisfaction and financial banking software allows them to do that.

Global Trends For the Financial Service Industry

As the economic crisis continues to unfold, the financial service industry faces serious challenges. The crisis is rooted in continuous imbalances, including long periods of low interest rates, rapidly rising asset prices, and massive credit and savings imbalances. The 2007 and 2008 Reports from the World Economic Forum predicted these changes as continuous risk to the market.Earlier decades of exceptional growth and capitalism at its best have now caused the market to adapt to tighter credit, growing government intervention, slowing pace of globalization, and no economic growth. With increasing regulations in the United States and decreasing availability of credit, the industry faces a significant risk of stunted growth. The global recession is also affecting the financial sector because of capital markets and decreased aggregate demand, according to Max von Bismarck, Director and Head of Investor Industries.This article will provide leaders, employees and investors in the financial service industry with five unique and timely trends to keep in the forefront of their growth strategies for the next five years. These five key trends will shape the post financial crisis in a holistic and systematic manner.FIVE KEY TRENDSGLOBAL BANKING. According to the World Bank, although many banks such as American Express, Citibank and JPMorgan Chase conduct business in multiple countries, they are relatively regional in the United States. In order to grow, the financial industry will have to infiltrate emerging markets. For companies that have a more aggressive growth strategy, the spread to emerging markets such as Africa and Asia presents unparalleled opportunities for profit and increased market share.IT PLATFORM SHARING. Network World confirms that financial service firms’ business strategies must be altered for the new dynamics and intricacies of today’s market. Immediate access to information and integration along product lines and geography are a must for future success. With the need to supply information to a global market, firms must decrease cost. One cost effective initiative is the use of platform sharing; like cell phone companies that collaborate with local companies in order to decrease cost and increase access, financial firms can do the same.

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E-BANKING. A special report from The Economist sees that with 3.5 billion people with cell phones and an expected 10-20% year over year growth, personal and business banking transactions are conducted through cell phones more and more. Thus, E-banking capability is quickly becoming an increasing requirement in order to compete in the marketplace. E-banking capabilities provide companies with essential flexibility and differentiation in the market through Internet-based service applications.MOBILE MONEY. The increase of mobile phone usage in emerging markets makes mobile money a safe, low cost initiative for the financial sector. It is an easier way to transfer money to family and friends, money is sent, and payments and withdrawals can be made without ever going to a physical bank or payment center. M-Pesa, an early developer of mobile money, concluded that mobile money “has enormous social and economic benefits.”SELF-SERVICE. Self-service and the customer should be a primary focus for firms in this new financial service world, according to IBM. AppViewXS is a self-service portal firms can purchase, so customers can check the status of their account and gain instant access to available services. Customer questions and concerns are addressed more quickly, states an IBM representative. This technology automates many processes; the result is that staff workload is reduced while representatives operate faster and more efficiently.Financial service firms need to have sustainable, steady expansion in the emerging markets in order to grow in the future. Deloitte and Touche Research reports that financial service firms have not positioned themselves to capitalize on more geographically dispersed opportunities. More than 93 percent of the executives interviewed for this report acknowledged that their firms “are not operating in a globally integrated fashion.”The same report states that financial firms need to invest away from veteran or mature markets and toward emerging markets because “by 2025, veteran markets will be rivaled by other markets with faster growing economies and increasingly sophisticated financial product appetites.” USA based firms can look toward Japanese and African markets for expansion opportunities. Kennedy Consulting analysts believe that the market will rebound from the global financial crisis in 2011, but there will not be any return to the robust levels prior to 2007 until much later in the decade; hopefully, the five key trends in this report will help the leaders, employees and investors in the financial service industry to look toward a robust sound future.In addition to growth strategies, in the 2002 Journal of Business and Industrial Marketing, Henson and Wilson discuss the extreme changes that have occurred in the financial service industry and how many firms are trying to develop and execute successful strategies based on innovative technology and customers. Aside from the regular ups and downs of the financial world, technology and innovation will always prevail as the win-win for the financial service industry. Because online banking has become the norm for most customers, technology will be very important in these firms’ strategies.With the customer at the center of most trends in financial service firms, creating new values for their current and potential clients beyond current expectations will be a top priority. The need for convenience mixed with technology makes mobile money a great initiative in the emerging as well as the developed markets. Many firms have speed pay, the ability to pay without swiping the card, as part of their credit card services. An embedded chip in the credit card enables payments to be made by putting the card close to the payment processor. Mobile money will be an expansion of payment and money transfers without the need for a card, the need to go to a physical bank, or to use Internet banking. Payments, transfers, deposits and withdrawals can be made with a cell phone.

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The World Bank concurs that innovative technology and an increase in e-business strategies will lead to much lower costs and greater competition in financial services. Internet and related technologies, the World Bank affirms, are more than just new delivery channels; they are an inexpensive, different, and very effective way to provide the same services. Since financial service firms must grow organically, build customer loyalty, and accommodate the customers’ expanding needs for services and convenience, partnerships with new technology businesses will allow them to lower their expenses and be competitive.Established firms such as Amex, Citibank, and others can partner with groups such as the wired tech savvy Google Alumni who are not averse to risk and who own fledgling technology businesses that are reshaping the industry with a new wave of innovative products, write Spencer Ante and Kimberly Weisul of Business Week. Mobile Money Ventures is one such fledgling company that is a provider on the forefront of alternative financial service products. Small companies such as these are able to provide well-known financial firms the wherewithal to open in emerging markets where there is a need for cooperation with other firms in order to attain then obtain the local customer base.Today’s competition is fueled not just by profitable customers, but also by the firms that are the most efficient and cost effective. Procedural and cultural clash will result from expanding into unknown markets as seen by the history of Citibank in Asia Minor. But in the long run, tighter regulations, new technology and improved business processes will cause expanding in emerging markets not only to change the demographics of the clients (both geographically and core clients), but also to better the global economy and the future of the financial services industry. Keeping the previous trends at the forefront of managers’ strategic plans, financial firms will rebound bigger and better than ever.

Financial Services on Craigslist – How to Avoid Trouble

Each day, more American consumers turn to Craigslist.org. Most are looking to buy, trade, or sell, but you may be looking for something else. That is why the classified website also has a section for services offered. In that section, you will find a wide range of financial services. Unfortunately, you will also find that most are scams. How can you avoid them?Use your best judgment. If you are seeking financial help, you may be desperate. Desperate to make extra money fast and desperate to get rid of your debt. Frauds prey on this. A lawyer or accountant who offers to go over your finances to create a get out of debt plan is likely legitimate. However, someone who offers to get rid of your debt within 24 hours or a posting that claims you can make $500 a day stuffing envelopes, is nothing more than a scam. No matter how desperate you are, rely on your good judgment to make wise decisions.

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Read all Craigslist postings carefully, as this is another easy way to avoid financial scams. Be on the lookout for those that provide you with no solid information. They just say “get out of debt in 24 hours,” or “make $1,000 in one day.” Sounds great, but they don’t tell you upfront how you can do this all. Why? It is usually something illegal or impossible and they don’t want you to know until it is too late. Too late may be after you paid a fee or handed over your personal information, such as your social security number.Do additional research. When hiring the services of a financial expert, it is best to go with a company or someone who has received certification, such as certified account or tax preparer. Why? These individuals should have a business name, which you can easily use to search online. Look at the website for the Better Business Bureau, consumer reporting websites, and scam alert websites. Search with the company or individual name and get the real deal.

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Search more than just your local Craigslist city page. Craigslist is city based, meaning you can only search one city page at a time. This makes it easy for scammers to target you. If you live in Orlando, you are unlikely to search the Craigslist.org page for Delaware. However, doing so can alert you to a scam. See the same links and listings posted? It may be a sign of a national scam, where individuals all across the country are targeted. In terms of financial assistance, it is best to opt for local help. Meet your financial planner or accountant in person.

Technological Transformation of the Banking and Financial Services Sector

Our life has been transformed by the positive effects of technology. Technological innovations have simplified our life. The changes are visible in every sector. The Banking and Finance sector are among one of those sectors which have completely changed due to technological innovations. Nowadays, we use several advanced banking and financial services like Internet Banking, ATM Transactions, Core Banking Services (CBS), Electronic Funds Transfer, and Cashless Transactions while shopping. These are just a few examples of the changes experienced.The banking services mentioned above have become a common way of life. A few decades ago there were not even a concepts as such in the banking and financial services sector. More recently, people used to hesitate while using these types of services. They were concerned about the security of their personal information as well as their money. But, secure security implementation techniques in the delivery of such services, packed with time sensitive results encouraged people to leverage the benefit of these services and the use of these services has increased year in year.

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To provide a interactive and user friendly service, banks and financial institutions have adopted the most recent technological trends. Queuing at banks is a thing of the past; nowadays customers can enjoy various facilities at the doorstep of their banks and at other locations. Phone banking and SMS banking services can also keep customers updated with the status of their money, investments and offer an array of additional services.Consumers can use most of the banking services anytime and nearly everywhere. You can transfer funds, pay utility bills, deposit your insurance premiums, and shop online with the assistance of online payment facilities and technology to access these services. Stock or share trading is also not spared with the changes in technology Stock brokers or even everyday normal buyers can have an almost instant up-to-date update and status of the market status of stocks of their interest. They no longer need to wait for newspaper, news channel or need some fancy program.

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Most consumers have accepted these significant change in the banking and finance sector. The early adapters are more experimental and they are more willing to accept anything that can make a significant difference in their daily life. One of the best examples of the change in consumer behavior is the global popularity of social networking websites like Facebook, MySpace and the micro blogging website twitter. Just another reflection of how consumers are more readily accepting technology and innovative changes to enrich their life’s or make it easier and more convenient.