Controtoolss

Filipino music and art have both been influenced by the cultures that have migrated to this nation. The first type of music that developed in the Philippines was indigenous music brought here by native tribes that migrated from Taiwan. There are three basic groups of indigenous music styles: southern styles, northern styles and other styles. The southern style of music usually involves five different instruments including the kulintang, the agung, the gangdinagan, the dabakan and the babedil. The northern styles of indigenous music reflect Asian gong music. Their music usually features the unbossed gong called the Gangsa. In addition to the instruments used by southern and northern music styles, other instruments used in the Philippines include log drums, flutes, bamboo zithers and the Kudyapi.

Hispanic cultures from Spain and Mexico have greatly influenced the development of Filipino music. These cultures have introduced musical forms like the Harana the Kundiman and Rondalla. Most of these music forms developed as a result of the fusion between tribal music styles and traditional Spanish and Mexican music. Today the influence of Spain and Mexico is still present in modern Filipino music. Modern popular music in the Philippines still has a Hispanic flavor.

Filipino Art has its roots in indigenous traditions and colonial imports. Like most cultures, the Philippines have their own style of plastic arts like sculpture and painting. However, they also have their own style of movement arts like dancing. Some of the most notable artists from the Philippines include Fernando Amorsolo, David Cortes Medalla, Nunelucio Alvardao, Juan Luna, Felix Hidalgo and Rey Paz Contreras.

Advertising is a form of mass communication with the public. It is usually one sided i.e. from the company to the buyer/potential user of the product. It is a form of communication that typically attempts to persuade the potential customers to purchase or consume more of a particular brand of product/services. As rightly defined by Bovee, “Advertising is the non-personal communication of information usually paid for and usually persuasive in nature about products, services or ideas by identified sponsors through the various media.”

Advertising an important tool of communication is use to promote commercial goods and services, it can also be used to inform, educate and motivate the public about non-commercial issues such as AIDS, Don’t drink and drive, Polio, Save water, electricity, animals and trees etc. “Advertising justifies its existence when used in the public interest – it is much too powerful tool to use solely for commercial purposes.” – Attributed to Howard Gossage by David Ogilvy.

Advertising is most effective with products that can be differentiated from similar products based on consumer accepted quality difference. Tom Egelhoff has classified advertising in 6 types, i.e. for company image, name brands, advertising service instead of a product, business-to-business advertising, co-op advertising and public service advertising. Television, Radio, Cinema, Magazine, Journal, Newspaper, Video Game, Internet, Billboard, Transit Cards, Sandwich Board, Skywriting are the different mediums used to deliver the message. The companies choose the method according to the cost, budget, target audiences and their response. However, word of mouth advertising/ personal recommendations is an unpaid form of advertising which can provide good exposure at minimum cost.

Various new forms of advertising are growing rapidly. One of them is Social Networking Advertising. It’s an online advertising with a focus on social networking sites and use of the internet/ World Wide Web in order to deliver marketing messages and attract customers. The other is E-Mail advertising; E-Mail Marketing is often known as “opt-in-email advertising” to distinguish it from spam. “I believe ‘credibility’ is one of the biggest issues yet to be addressed by Internet advertisers. Everyone has their eye on ‘privacy’ as a critical concern, but credibility will be far more enabling or disabling to website profitability. A company can have a web presence and, unless the brand name is familiar, consumers have no way of knowing whether it’s a big company, a small company, an honest company, or a single scoundrel. I may be worried about my personal data being disclosed in violation of my privacy, but I’m far more concerned about whether or not the person or company with whom I’m dealing is reputable. Can I believe their claims? Will I have a recourse if something is wrong with the merchandise? Credibility no longer is strictly a brick-and-morter issue. I can’t judge someone by their place of business, when I conduct that business on the Internet. I can’t grasp a hand and look into their eyes to judge their veracity. Credibility is a huge issue.” – Jef Richard.

For a message to be effective keep it short, simple, crisp and easy to absorb. It is essential to translate the products/services offer into meaningful customer benefit by advertising and to build awareness and generate response. REMEMBER: – THE AIDA MODEL -ATTENTION, INTEREST, DESIRE AND ACTION.

In the modern scenario, most of the companies outsource their advertising activities to an advertising/ad agency which is a service business dedicated to creating, planning and handling advertising and sometimes also performs other forms of promotion like public relations, publicity and sales promotion for its client. Departments of the advertising agency includes: – The Creative Department (who creates an actual advertisement), Account Service (who is responsible for co-ordinating the creative team, the client, media and the production staff), Creative Service Production (here the employees are the people who have contacts with the suppliers of various creative media), Other department and Personnel. (like public relations). As said by David Ogilvy once that the relationship between a manufacturer and his advertising agency is almost as intimate as the relationship between a patient and his doctor. Make sure that you can life happily with your prospective client before you accept his account.

Thus, I would conclude by the famous words of Bruce Barton (1955), “Advertising is of the very essence of democracy. An election goes on every minute of the business day across the counters of hundreds of thousands of stores and shops where the customers state their preferences and determine which manufacturer and which product shall be the leader today, and which shall lead tomorrow.”

 

Introduction to the Topic

Australia is one of only a few countries with the capabilities to design cars from scratch and manufacture in significant volumes. Car sales in Australia are also an important factor of the Australian Automotive Industry and the Australian Economy in total.

The Australian Auto Industry (A.A.I. in short) can be divided into two interrelated sectors, the Production ( Manufacturing) sector and the Car Sales (or Import-Sales) sector, both equally important for the total performance of the A.A.I. On one hand, the Manufacturing sector refers to the market conditions under which Australian Manufacturing businesses compete, by producing vehicles and related products, with the main aim of maximizing profits. On the other hand, the Sales sector refers to the market conditions under which car representative sale businesses compete, by the sale of cars and related products, having the same aim with businesses within sector one.

It is very important to state the distinction between these two sectors within the A.A.I., as we will be talking about two different market structures, business strategies, competition conditions, e.t.c. In order to analyse these market structures it would be appropriate to develop two economic models, one for each A.A.I. sector.

1.1-Analyzing the Manufacturing Sector

There is only one market structure that can best describe the market conditions in the Manufacturing sector if A.A.I., this is Oligopoly. As there are only two organizations that produce cars in Australia, and these are Ford and Holden, the competition methods and pricing strategies are based between these two organizations. The following economic model shall help define the competition and economic conditions for the Australian Automotive Manufacturing market.

The first important characteristic of Oligopoly that needs to be stated is that prices between competitors tend to be “sticky”, which means that they change less frequently than any other market structure. This statement will be explained in more detail later on, when we will be developing the Game-Theory model, as it is a very important concept of competition. The second most important characteristic is that when prices do change, firms are likely to change their pricing policies together. These two characteristics can boost up competition within the market. Firms will either try to match rivals’ price changes or ignore them. This is depended on the Game-Theory that is explained bellow.

However, the recent market conditions for the Australian Automotive Industry and the actions of the Australian Government have worsen the competition conditions and possible pricing options available for firms in the market. The production and maintenance costs for a manufacturing business in Australia are already high and rising, mostly due to lack of economic resources and advance of technology. That is, as Holden and Ford try to compete each other, given that prices tend to be “sticky”, they are forced to focus on technological advantage and marketing. Both of these business sectors produce high costs. Furthermore, the Australian government has made it clear that is unwilling to further subsidize automotive organizations in the market. All these factors stated above produce a negative effect on the competitiveness of both firms. In other words, rising costs alongside with decreased revenue push firms in experiencing lower and decreasing levels of profitability.

Profitability and the level of competitiveness are highly interrelated in an oligopolistic market structure, being the two most important factors, alongside with product differentiation, in the competition policies that the firms follow. When we say that the level of competitiveness of a firm is very low, we mean that the firm cannot react effectively to any price changes or competition changes or even changes in production costs. This may leave the firm depended on its’ competitor’s pricing and competition actions, not being able to affect the market competitiveness at all. The firm is then exposed to external danger and can be pushed out of the market, or even worse to shut production and declare bankrupt.

1.2- The Game-Theory Model for Oligopoly

The Game Theory model is used to explain the pricing and competition policies of firms in an oligopolistic market structure. Furthermore, it can show the few different competition policies based on pricing that the two firms can follow, that is High and Low as stated above. All firms in this market structure follow a Game-Theory model, although it is surely more detailed than our example, in the process of trying to forecast competitors’ pricing and competition movements and also keep track of the competition levels in the market and market share. But how does this happen?

For example, let’s say that there are four different fields, each divided in half. These fields represent the pricing strategies that Holden and Ford may use in the process of competing each other. Field A and C represent a High-Pricing policy for Holden, while fields A and B represent a High-Pricing policy for Ford. Lastly, fields B and D represent a Low-Pricing policy for Holden, while fields C and D represent a Low-Pricing policy for Ford. When both firms decide to follow a High-Pricing policy they share a profit of, let’s say, $12 million. If Holden decided to move to a Low-Pricing policy it will experience a maximum of $15 million profit, while Ford’s profitability will fall to $6 million. The exact opposite may also occur, while if both firms decided to follow a Low-Pricing policy they would realize a maximum of $8 million of profit.

What we can identify from the above example is that firms in an oligopolistic competitive market rarely change their pricing policies because this may produce a negative effect on their profitability levels. However, Holden and Ford, being the only two firms in the Australian Automotive Industry, they will focus on competing through product differentiation and marketing. That is, they will try to compete by differentiating their products, for example by producing vehicles with different features, or even base their production on technological advantage. Marketing plays an important role here, as it is the main tool that delivers and connects the customer with product. For example, if Holden introduces a new driving technology that improves driving experience and safety and produces this technology alongside with a newly designed vehicle, it is quite likely that Holden will effectively differentiate its newly designed vehicle from a relative vehicle of Ford and lure more customers in the store. Holden may also use marketing techniques to deliver this technology to the public, in the form of knowledge; hence try to boost sales without changing its pricing policy. However, it is important to state that this new technology may produce higher production costs, if not evaluated properly; hence Holden can only rely in increasing its market share to gain greater profitability. The sales part, however, will be analyzed in more extend within the next chapter of this report.

The Game-Theory is not just a theory for the Automotive Industry in Australia, it’s a fact. It shows us that auto manufacturers in Australia have based their competition strategies on all the factors stated above and as much as they possibly can on pricing strategies. They may advertise that they have low prices, but in fact their prices are very stable. If we have a close look at Holden’s or Ford’s websites, we will identify that there is a huge variety of products and each firm competes in that. However, the new market conditions stated before have greatly changed the way auto manufacturers think of the future and this in turn may change their pricing and competition policies, or even determine their existence in the market.

2.1- Analyzing the Import/Sales Sector

While the auto manufacturers are considered to be operating in an oligopolistic market structure, importing and selling vehicles or relative products is a different story. The import and sale of vehicles is the second and equally important business sector of the Australian Automotive Industry. There are many different car selling businesses and we shall only consider first-hand sales, as second-hand sales in general are not included in economics and more specifically in GDP measurements. To enter the industry hard at all as there are not many barriers to entry, however someone who is interested needs to consider of the high costs in setting up an automotive dealership. All businesses in this market are mostly based on product differentiation to compete and while prices are not “sticky”, pricing competition is set up by the market mechanism and tends not to be considered a regular phenomenon. Lastly, cost analysis and cost management play a very important role. All of the above characteristics refer to the Monopolistic Competition Market Structure. In this market structure we will focus on two phases, the short-run phase and the long-run phase, each with different competition characteristics and outcomes.

An important factor that we need to state here is that when the costs of developing a vehicle in the manufacturing sector rise, then the cost for selling the vehicle for a dealership may rise as well. This is always depended of course on if the vehicle was produced in Australia and if it was produced overseas, under what economic conditions was it produced. Price might be “sticky” for manufacturers, however prices will change much easier in this sector if needs be. Here firms will change their pricing policies if costs either rise or fall and this is always depended on the market mechanism. The amount of competitiveness along with the amount of price elasticity of demand will depend on how many rivals the monopolistic competitive firm will have to face.

In such market the following situation is very common, a situation that helps us distinct between short-run and long-run:

Stage One

In this stage the firm experiences economic profits. However, this fact will draw new firms in the market causing the profits to be competed away.

Stage Two

The economic losses indicated in this stage will cause many firms to exit the market, as they cannot keep selling under these market conditions.

Stage Three

In the final stage, the market clears-up, or reaches equilibrium point. As all firms that needed to exit the market have done so, the market mechanism comes to the point where no economic profits/losses are realized by the firms. This is the point where the market is most stable.

Studying the situation above we can identify one very important fact for any monopolistic competitive firm in the Australian Automotive Industry/ Sales sector. That is that in this market structure, in the long run, firms will realize only normal profits and the market mechanism will eventually reach an equilibrium point. Hence, in the long-run firms will compete mostly through product differentiation. However, in the short run firms may experience economic profits or losses and this is what causes firms to enter or exit the market and “shows” firms how to compete and when to apply pricing competition policies.

Conclusion

The Australian Automotive Industry may be experiencing rough market conditions, mostly because there is no more government support; however competition and profit maximization is still possible. Thinking of moving overseas is not always a good option for the manufacturing businesses, as the Australian Economy needs the manufacturing sector, as it represents a reasonably big part of GDP.

Market competition conditions are well defined for every manufacturer or car dealership, hence any business in the market ought to use the available to them competition strategies and achieve higher market share and profitability level or stabilize its profitability levels. Either way, these are the main goals for almost every profit-motivated business in any market type under any market structure. However, every business ought to define the market structure that is operating in, so that it can then clearly define its goals, strategies and policies. The market mechanism is in all cases responsible for all the above strategies and most of the cases responsible for setting up pricing policies or indicating pricing and marketing strategies.

Music is passion

Music is energy

Music is joy

Music is creativity

Music is eternal

Music is love

Music is soul

Music is life

Music is one of the greatest creations of human kind in the course of history. It is creativity in a pure and undiluted form and format. Music plays a vital role in our daily life. It is a way of expressing our feelings and emotions. Music is a way to escape life, which gives us relief in pain and helps us to reduce the stress of the daily routine. It helps us to calm down, an even excites us in the moment of joy. Moreover, it enriches the mind and gives us self confidence.

Music surrounds our lives at different moments of lives, whether we hear it on the radio, on television, from our car and home stereos. Different kinds of music are appropriate for different occasions. We come across it in the mellifluous tunes of a classical concert or in the devotional strains of a bhajan, the wedding band, or the reaper in the fields breaking into song to express the joys of life. Even warbling in the bathroom gives us a happy start to the day. Music has a very powerful therapeutic effect on the human psyche. It has always been part of our association with specific emotions, and those emotions themselves have given rise to great music.

The origins of Indian music can be traced back to the chanting of the Sama Veda nearly 4,000 years ago. The primacy of the voice, and the association of musical sound with prayer, were thus established early in the history of Indian music. Today, music is available for us in different forms and the choice for music varies from person to person just as the reading choices vary from one another. There is folk music, classical music, devotional music, instrumental, jazz, rock music, pop music, hindi movie songs and many more.

In the modern world, Music has gained an honourable designation of ‘HEALING WITHOUT MEDICINE’. Doctors feel that music therapy has been helping them in treating many people with problems like dementia, dyslexia depression and trauma.” Many children with learning disability and poor co-ordination have been able to learn, and respond to set pieces of music. Many people with genetic disability have found a new light in the form of music.

Dance critic Ashish Khokar cites an experiment as proof: “Music is produced from sound, and sound affects our sense perception in many ways. Even fish in an aquarium were once made to listen to different kinds of music and it was found that their movements corresponded with the beat of the music. Mind you, fish do not hear, they only felt the vibrations of the sound through water. So you can imagine what a profound effect sound and music might have on the human mind.”

Anand Avinash, founder of the Neuro Linguistic Consciousness workshop who has researched music therapy says,”the mystics and saints from ancient to modern times have shown how music can kindle the higher centers of the mind and enhance quality of life.” Mantras, or chants used in the West, repeated monotonously, help the mind to achieve a sense of balance. A combination of the sounds in Sanskrit mantras produce certain positive vibrations and elevate the mind to a higher lever of consciousness.

We all know that meditation cleanses the system of its negative energies and vibrations. And music is a powerful aid to meditation. In many meditation workshops, music is used to make people more aware of their moods and feelings. People are made to lie down and empty their minds and then listen to the music which is systematically changed so that they can fit through different emotions and state of consciousness.

Many people also believe that any music you respond to positively will work for you, regardless of its content. Thus, even pop music might work wonders for you.

Music affects all of us in some way or the other. It also is the most common interest of many people. People who love music, listen to it while traveling, reading, meditation, walking, some even have soft music while working in their busy routine. It helps them to relax and escape from the stress of our day-to-day lives. It can transport us to another time or place and it is a great feeling of seeing or doing or experiencing something different. People have special music corner for themselves and some people give importance to listening in silence and some people love to read with light music and even some people love listening to music before sleeping. Many people love listening to music in bathroom because they feel it is one of the few rooms in the home where privacy is routinely respected. Some people also love to sing in the bathroom and are called ‘bathroom singers’. Music has now become a part of our life as it serves different purposes for each one of us.

  • It serves as an entertainment tool. For instance, in an occasion or event, music plays a vital role that makes the event to be lively for the people. Similarly, it creates cordial relationship among the people.
  • Moreover, it serves as a tool for corrective measure. Music tell the people on the habit that is uncultured so that such behavior can be for better. Furthermore, it is an agent that is used to educate people. Music can easily convey message to the friends and enemies.
  • It serves as tool for settling dispute between two or more people. It often helps to put an end to disagreements after listening to related meaningful songs. Music is played for the group to show harmony among them.
  • Music also serves as a source of income to human life. It is a profession of particular classes of people like lyricist, playback singers, music directors, musicians, musical instrument players, djs etc.
  • Lastly, music serves as a message or symbol that indicates the occurrence that is going on in a particular place or event. For instance, If bad occurrence happen in a particular place the type of music played their will show the audience or listens what happened in that event. The type of music played will justify to the listeners what actually going on there.

Many people get confused about the role of advertising in the marketing mix so here’s a simple view of where it fits in.

In the traditional marketing model, we talk about the 4 P’s

o Product

o Pricing

o Place

o Promotion

The last section – Promotion is what we mean when we say you are “doing your marketing”. It’s your communications or your actual marketing activities.

But first, let’s get clear about the PURPOSE of marketing and why you want to get good at it.

“The PURPOSE of marketing or it’s biggest task is to

persuade prospects to visit you online or offline so you

can present your offer. Done well they come waving their

credit card and ready to buy so there’s no need for hard sell.”

Whenever and wherever you get in front of your potential market is your marketing opportunity – you are communicating or getting your message across.

You could say this started as far back as Babylon when the Town Crier was the only delivery method! They went around town shouting out to people to go to the marketplace and you went to the marketplace with your goods to “present your offer”.

With the invention of print and other technologies you now have a smorgasbord of delivery methods or media to reach people such as

o Print – newspapers, magazines, catalogues, newsletters

o Phone, mail, fax

o Radio & TV,

o Internet – through websites, blogs, social networking sites, email, video & Audio podcasts

o Teleseminars & webinars

o Mobile media – Blackberrys and mobile or cell phones

o And lets not forget in person public speaking and networking

Now that range adds a level of complexity. But choice is good and you don’t have to use all of these but they are available to you.

In any event you’ll either be speaking or writing. Simply narrow down what makes sense for you and your business and use your strengths to work out a plan.

JUST remember the marketing principles remain the same no matter the medium – so the PURPOSE of your marketing is still the same. To persuade prospects to visit you online or offline so you can present your offer.

So where does advertising fit into this?

Advertising is simply a subset of your marketing activities it’s the SALES function when you make the sales pitch or “present your offer”. This could be verbal or written in all the same media you use for your marketing communications. What adds to the confusion is sometimes big companies use image based ads for awareness so the “sales pitch” isn’t obvious.

But the primary purpose of advertising is to SELL.

So you create ads in one form or another and get them in front of your audience.

Small businesses can’t afford to waste money on image advertising that is designed for the masses to promote a well known brand. It simply isn’t designed to sell, NOW.

What I do and recommend is Direct Marketing which is based on one-on-one relationships and uses proven direct response advertising techniques instead of mass advertising.

The purpose of a direct response advertisement is to get a response, NOW! Which means these ads actually ask the prospect to DO something.

Whether you’re building a list, selling a product or service, an appointment or even something you are giving away – you still need to “sell” it to your prospect. And ask them to take the action you want them to take to move them through the sales process.

In a nutshell, advertising is a subset of marketing and direct response marketing and advertising is the champion for small business.

 

Now that our aging population has visibly become a force to be reckoned with, many homebuilders are discovering mature adults to be a potent market. But often homebuilders tend to miss the market by focusing more on the home (which is after all what builders are selling), rather than the lifestyle (which is what drives most of the sales activity in an adult lifestyle community).

Many developers and homebuilders operate from the misconception that mature buyers prefer to live in homes that are inexpensive and focus on pricing their homes as low as possible, believing that product and price are what drives the sale. And surely there are adult lifestyle purchasers for whom price is a prime consideration. But most potential residents of an adult lifestyle community are looking for three things: adult, lifestyle and community.

Purchasers in adult communities want to be sure that the community they are considering moving to is indeed an “adult” community. As such, many such communities are age-restricted, with a hard and fast set of rules that precludes the possibility of children moving in. Of course, in jurisdictions that do not allow discrimination on the basis of age, there are other ways to “restrict” who moves in. This could range from so-called restrictive covenants registered on title of the property to rules about the permanent number of residents that may occupy any one dwelling unit (usually no more than two) under a condominium corporation or a rental agreement. Finally, the best method to maintain the integrity of an adult lifestyle community is to offer homes that are specifically designed for an older, childless demographic. The market will take care of the rest.

Some builder want to hedge their bets by offering large two storey homes in adult communities, imagining that they would be appealing to younger baby boomers that still have children at home. This fallacy results in pleasing neither the younger baby boomers that do not want to live in a community comprised largely of older people, nor the active adults seeking a childfree lifestyle.

As stated above, one of the most important considerations on the part of the purchaser in an adult community involves lifestyle. Many people in their 50s and 60s who are either retired or semi-retired have a lot of leisure time and a plethora of interests about which they are very passionate. Many are into golf in a big way and seek communities that are near golf courses. Many are into personal fitness and look for communities that provide exercise facilities. There are nearly as many interests as there are individuals seeking to live the adult lifestyle. Those communities that recognize this very important fact tend to do very well, while those that don’t, not so much.

Finally, active adults tend to be very social and seek to live in a community where they find others of similar interests and values. Many of these communities have organized activities, such as a bridge club, a golf group, round-robin tennis tournaments or group projects such as quilting or knitting. A sense of being a part of a community of like-minded individuals really is one of the most important aspects of a successful adult lifestyle community. These are the reasons why a community clubhouse is probably one of the most important amenities that any adult lifestyle community could provide. And the greater the variety of amenities and interests, the more people will be attracted to live there.

The professional title of producer is one of the most commonly misused titles in the music industry. This article will cover the three different types of music producers as well as the roles they play within the music industry and inside the recording studio.

What A Producer Isn’t

A producer isn’t a musician that makes his or her own music. The proper title for this position would be a musician, plain and simple. Producers also tend to work with a team of recording professionals, industry executives and reliable musicians to complete a recording project. Because the skills involved in managing a recording project take time to learn and are very demanding, someone who works on their own to create music isn’t typically considered a producer. The title of producer is often wrongfully associated with the roles of songwriters and general musicians.

Executive Producer

An executive producer is generally the person that funds the recording project. Executive producers also ultimately determine the direction of the recording project and carefully maintain the relationship between the artists or bands involved in the project and the record label that oversees the completion of the project. Executive producers essentially maintain the bridge between the record label and the recording artists as well as make sure that the project makes sense financially from a business perspective and a creative perspective.

Music Producer

A music producer typically spends a majority of their time creating or arranging music for the recording project. Music producers usually have a strong background in music theory and occasionally have degrees in music theory or music composition from established universities and colleges. Another job of the music producer is to make sure that the music within the recording project is of the highest possible quality and that the musicians involved in the project are making the best music they possibly can. Sometimes music producers are also given the task of maintaining communication between the artists and the record label executives, which is often a task that is more difficult than a lot of people within the music industry realize.

Engineering Producer

The engineering producer understands the technical aspects of the recording studio more than the other two types of producers. Engineering producers know how to work the recording console, setup the microphones for recording, use the recording software efficiently and effectively, and keep the recording project organized. A lot of engineering producers start out as either mixing engineers or assistant engineers to record label producers. They also tend to understand the technical aspects of recording and what it takes to make the music sound great from an engineer’s perspective.

 

When you’re selling your home, you have to be familiar with related real-estate lingo. You have to know the difference between a canopy and an awning; a mortgage and a loan; and most importantly, the difference between a deposit and a down payment.

Believe it or not, there are a lot of home sellers who think that deposits and down payments are one and the same, when in reality they are not.

A deposit is the money given or handed over to the owner when a buyer indicates a sincere desire to purchase the property being sold. It is a token amount that could be as small as a few hundred dollars, or as big as 5% of the total purchase price. The deposit can be returned when the transaction does not fall through for reasons beyond the control of the buyer, and can also be forfeited in favour of the seller. When the purchase pushes through, the deposit is credited to the buyer and forms part of his down payment.

A down payment or equity, on the other hand, can be considered as an initial payment on the property itself. It is given when the buyer has decided to actually purchase the house (unlike in deposit, where it is given when the buyer indicates a desire to buy the unit). The down payment is the total amount of money a buyer can give as a partial payment and is generally of a bigger value (10% of the total property cost, or more) than regular deposits.

It’s fairly easy to differentiate. Just remember that a deposit is smaller and, once the transaction pushes through, becomes part of the down payment. The total of these two, plus any outstanding balance, should be the agreed upon purchase price of the property.

Quite a few people have written to me asking how to use Reiki to bring abundance, prosperity and/or

financial success into their lives. This article is a somewhat shortened version of my blog entry on this

matter. Please click on the link below to read the longer version.

I’m going to present a few ideas for using Reiki to achieve abundance, prosperity and/or financial success.

But before I do that, I want to mention that this is one area where Reiki and Feng Shui go together very

nicely. Many books on Feng Shui specifically tell you how to set up your environment to encourage abundance and prosperity.

I do want to acknowledge something before I continue my discussion. To some people, speaking of Reiki and money or Reiki and financial success in the same breath makes them cringe. They view Reiki as pure Love, a spiritual calling, and to introduce the idea of money into the sacred realm of Reiki is abhorrent to them. If that is your viewpoint, I completely understand and respect your position. I have known healers in many fields who have felt the same way.

But I am a bit more of a pragmatist and a realist. I recognize that we need to make a living and we need to support our families. Even more importantly, I realize the negative effects poverty and monetary insecurity can have on us.

When a person feels financially uncertain, even endangered, that person may find it very hard to pay attention to the spiritual aspects of his/her life. If someone has so much financial worry, thoughts of “How will I pay the bills?” and “Will we lose the house?” may occupy so much of that person’s energy and time that they can scarcely think about things like helping others heal.

Does this mean that poor people and people with financial difficulties can’t be spiritual and can’t help others heal? Of course it doesn’t mean that. However, survival issues can become paramount, and for many, many people, these issues interfere with their ability to give any of their energy to spiritual and healing issues. We are all human, with a limited amount of energy and resources available to us at any given time.

But beyond this, I don’t believe there is anything inherently wrong in the desire for abundance, prosperity

and financial security. We live in a world that is run by money; that is the reality we live with, no matter

how much we might wish it were otherwise. Without sufficient money, we are in deep trouble! When we have sufficient money, we can turn our attention more easily to helping others.

Everyone has to define what the term “sufficient money” means to them. For example, I am not fond of the idea of using Reiki to win the lottery, or to win at gambling. Frankly, I don’t like the energy of gambling, because so many people’s lives are ruined by gambling.

Having said that, however, I leave it up to you to decide how much money is “sufficient”. The people who

contact me about using Reiki for prosperity usually want to have enough money to pay their bills on time and provide a good home for their families. Some of them have started Reiki and other healing practices, and want those practices to be financially successful so that they can both help others and support their

families.

The term “abundance” is also open to interpretation. Abundance is not necessarily the same thing as having a lot of money, or being very prosperous. Each person has to decide what “abundance” means to them. Someone who does not have a lot of money but who has a lot of friendship and love might feel that their life is filled with abundance. Having a sense of abundance allows us to feel content with what we have. That assumes, of course, that we don’t struggle to find the money to eat every day, or we don’t live in an unsafe place.

You can use Reiki to attract abundance and prosperity towards you in many ways. Here are a few suggestions:

1. Draw the Reiki Power Symbol and the Long Distance symbol on a piece of paper, and place them in your wallet or purse. Every time you see them there, think of abundance/prosperity being drawn to you across time and distance. You can also place these symbols in a jar of coins and tuck one in the back of your checkbook.

2. Draw the Power Symbol on your Palm Chakras each morning. This will serve as a symbolic reminder of how money changes hands, and it will help draw that money toward your hands.

3. Use Aventurine stones or Malachite stones, both of which are often used to represent money. Place the

stone in one hand while you draw the Power and/or Long Distance Symbol over that hand with your other hand. Concentrate on the idea of wealth flowing toward you. Leave the stones near your checkbook, purse, wallet, etc.

4. Using the Long-Distance Symbol, you can send Reiki into the future for your finances. In other words, you can send positive energy into the future. You can also use the Long-Distance Symbol to go backwards in time to help heal some of the emotional toll that financial difficulties have taken on you.

5. If you have a business, you can draw the Power Symbol and/or Long-Distance Symbol in the air in the

corners of your place of business, over the cash register or credit card machine, etc. Leave small

Aventurine or Malachite stones that you have charged with Reiki near the register or credit card terminal.

There are several Chakras that are important to pay attention to in money matters:

1. The Palm Chakras – since money literally “changes hands”.

2. The Third Eye Chakra – because it’s the seat of your intuition, and it can help you make good decisions

about your future.

3. The Solar Plexus Chakra – because it’s the place of your inner wisdom, your “gut feelings”, and it can

help you determine whether something is a good or bad financial decision for you.

4. Be sure to focus on your Root Chakra, too, if self-confidence (or lack of it) is an issue. Your Root

Chakra is also important if past financial problems have disturbed your sense of stability and security (and

made you less confident as a result).

The subject of Reiki for abundance, prosperity and financial success is complex and multi-faceted. I have

just scratched the surface with this discussion. Please feel free to sign up for my newsletter to learn more

ways that Reiki can help you in your everyday life.

When it comes to the choice between using an online travel agency or not for your next trip, there are several factors to consider with several pros and cons.

One of the main concerns that seem to arise with online travel agencies is the trustworthiness and security of paying such large amounts of money online. While online security is a major factor for any online travel agency, this is true of all online businesses. So it is more a matter of choosing a travel agency online with a quality reputation by looking at their customer reviews and see what their actual site itself is like. What’s more, when you are logging on and preparing to pay for any online costs, there should always be that small symbol of a lock at the bottom right hand side of the screen as a sign of the level of security attached.

The benefits of using online travel agencies are that unlike their physical counterparts, they are available at any time, ideal for emergency travel situations, and also for any late after-hours bookings that you need to complete. Additionally you can compare travel deals and special available all over the world in order to find the very best deal for you and your travels. What this means is that while a physical travel agency will have a great range of deals for you, they are limited by who they can work with in terms of other travel professionals. With these online agencies, it up to you to decide who you work with, allowing you to create your ideal travel plans.

What you may also find when working with online travel agencies that you will have a great range of methods to pay for the holiday, offering greater flexibility and financial choice. These choices can range from the standard credit cards and accounts to payment plans and travel accounts.

Overall when talking online travel agencies it is more a matter of preference of the customer and how they prefer to do their business, either online or in person, that should dictate how they book their travel plans.