Why is Education a Must For Everyone?

Each of us must have a good education. It is a requirement for us to do better in life. We all know about the quote that says "Education is the key to success." This is true, in a sense that we are capable of being successful and will reach high in life if we are educated. Starting our childhood years, we are being educated. From primary education, to our high school years, then comes college, and even higher degrees. After we have our practitioners, we still continue to educate ourselves by researching and other activities.

Education is what broadens our horizons for us to have a better and wider understanding of the world around us. It will help us know how things are working, and how they should be operated. Being in a civilized society, we need to have more knowledge on what the modern world has to offer. If not, then we can not live our daily lives the way other people do.

Also, we are in need of education because the economy encourages us to have the chance of contributing to it. We can develop talents that we can use in helping out country. The intelligence we can acquire from the people who educate us will give us the ability to be better citizens. We can all see how advanced our society is today. It was all the contribution from earlier people who were once just youths that educated them so that they gain knowledge of the world around them. Everything we see not that we are using is based upon what they have learned, and the ideas that they came up with based on the things they learned.

Just imagine how the world would be 50 years from now if education will continue. The future generations would have easier lifestyles, greater success, and happier living. People may have longer life expectancies by developing modern medicines or any science contributions. The Governments might be more secured and strong. Technology can be in its peak. All of these things are coming from a single foundation and that is education.

Also, people that are well-educated are more confident. They are well respected by others. We can always gain the praises that we want when we get a proper education. It is our key to have a better life. Better, not only because we are secured financially, but also because we have the pride and self esteem that is built upon knowledge.

So before you think of quitting school and thinking you are tired of those study routines, think of what you might be letting go if you pause your education. Time never waits for you. We better act now.

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The Duty Of Confidentiality In Real Estate

In any Listing Agreement there is a point in time when the agency relationship ends.

A Listing Agreement, as it is widely known, is none other than a contract between the rightful titleholder of an interest in land (the 'Principal') and a duly licensed real estate firm (the 'Agent'), whereby the firm stipulates and Agreements to find a Buyer within a specified timeframe who is ready, willing and able to purchase the interest in land that is the subject matter of the contract while acting within the real of the authority that the Principal confers onto the Agent, and wherein beyondmore the Titleholder stipulates and agreements to pay a commission should the licensee ever be successful in finding such Buyer.

As in all contracts, there is implied in a Listing Agreement an element which is commonly known at law as an 'implied covenant of good faith and fair dealings'. This covenant is a general assumption of the law that the parties to the contract – in this case the titleholder and the licensed real estate firm – will deal fairly with each other and that they will not cause each other to suffer damages by either breaking their words Or otherwise break their respect and mutual contractual obligations, express and implied. A breach of this implied covenant gives rise to liability both in contract law and, depending on the circumstances, in tort as well.

Due to the particular nature of a Listing Agreement, the Courts have long since ruled that during the term of the agency relationship there is implied in the contract a second element that arises out of the many duties and responsibilities of the agent towards the Principal: a Duty of confidentiality, which obligates an agent acting exclusively for a seller or for a Buyer, or a dual agent acting for both parties under the provisions of a Limited Dual Agency Agreement, to keep confidential certain information provided by the Principal. Like for the implied covenant of good faith and fair dealings, a breach of this duty of confidentiality gives rise to liability both in contract law and, depending on the circumstances, in tort as well.

Pursant to a recent decision of the Real Estate Council of British Columbia ( http://www.recbc.ca/ ), the regulatory body empowered with the mandate to protect the interest of the public in matters involving real estate, a question now arises As to whether or not the duty of confidentiality extends beyond the expiration or otherwise termination of the Listing Agreement.

In a recent case the Real Estate Council reprimanded two licensees and a real estate firm for breaking a continuing duty of confidentiality, which the Real Estate Council was due to the Seller of a property. In this case the subject property was listed for sale for over two years. During the term of the Listing Agreement the price of the property was reduced on two occasions. This notwithstanding, the property extremely did not sell and the listing expired.

Following the expiration of the listing the Seller entered into three separate 'fee agreements' with the real estate firm. On all three occasions the Seller declined agency representation, and the firm was identified as 'Buyer's Agent' in these fee agreements. A party preceded a lawsuit as against the Seller, which was related to the subject property.

The lawyer acting for the Plaintiff approached the real estate firm and requested that they provide Affidavits containing information about the listing of the property. This lawyer made it very clear that if the firm did not provide the Affidavits voluntarily, he would either subpoena the firm and the licensees as witnesses to give evidence before the Judge, or he would obtain a Court Order ruling to the Rules Of Court compelling the Firm to give such evidence. The real estate firm, believing there was no other choice in the matter, promptly complied by providing the requested Affidavits.

As a direct and proximate result, the Seller filed a complaint with the Real Estate Council maintaining that the information contained in the Affidavits was 'confidential' and that the firm had delivered a duty of confidentiality owed to the Seller. As it turned out, the Affidavits were never used in the court proceedings.

The real estate brokerage, on the other hand, took the position that any duty of confidentiality arising from the agency relationship ended with the expiration of the Listing Agreement. The firm argued, moreover, that even if there was a duty of continuing confidentiality such duty would not precede or otherwise limit the evidence that the real estate brokerage would be subject to give under a subpoena or in a process under the Rules Of Court . And, finally, the realty company pointed out that there is no such thing as a realtor-client privilege, and that in the instant circumstances the Seller could not have foretold the firm from giving evidence in the lawsuit.

The Real Estate Council did not accept the line of defense and maintained that there exists a continuing duty of confidentiality, which extends after the expiration of the Listing Agreement. Council rule that by providing the Affidavits both the brokerage and the two licensee had breached this duty.

The attorney-client privilege is a legal concept that protects communications between a client and the attorney and keeps those communications confidential. There are limits to the attorney-client privilege, like for instance the fact that the privilege protects the confidential communication but not the under information. For instance, if a client has previously disclosed confidential information to a third party who is not an attorney, and then gives the same information to an attorney, the attorney-client privilege will still protect the communication to the attorney, but will not protect the Information provided to the third party.

Because of this, an analogy can be drawn up in the case of a realtor-client privilege during the existence of a Listing Agreement, whereby confidential information is disclosed to a third party such as a Real Estate Board for publication under the terms of a Multiple Listings Service agreement, but not before such information is disclosed to the real estate brokerage . In this instance the privilege theoretically would protect the confidential communication as well as the undering information.

And as to whether or not the duty of confidentiality extends past the termination of a listing agreement is still a matter of open debt, again in the case of an attorney-client privilege there is ample legal authority to support the position that such privilege does in Fact extend indefinitely, so that arguably an analogy can be infringed as well respecting the duration of the duty of confidentiality that the agent owes the Seller, to the extent that such duty extends indefinitely.

This, in a synopsis, seems to be the position taken by the Real Estate Council of British Columbia in this matter.

Clearly, regardless of duty of confidentiality that stems out of a Listing Agreement survives the termination of the contract is problematic to the real estate profession in terms of practical applications. If, for instance, a listing with Brokerage A expires and the Seller re-lists with Brokerage B, if there is a continuing duty of confidentiality on the part of Brokerage A, in the absence of express consent on the part of the Seller a Realtor Of Brokerage A could not act as a Buyer's Agent for the purchase of the Seller's property, if this was re-listed by Brokerage B. All of which, therefore, would fly right in the face of all the rules of professional cooperation between real estate Firms and their representatives. In fact, this process could potentially destabilize the entire foundation of the Multiple Listings Service system.

In the absence of specific guidelines, until this matter matter is clarified pursuant to the best course of action for real estate firms and licensees when requested by a lawyer to provide information that is confidential, is to respond that the brokerage will seek to obtain the necessary consent From the client and, if that consent is not forthcoming, that the lawyer will have to take the necessary legal steps to compel the disclosure of such information.

How to Protect Yourself From Laptop Theft

For most people owning a laptop is all about convenience. Being able to sit where your want to work, wander around from office to office, sit in front of the television or even brows the web in bed are the reasons why laptops have become so popular.

It has also become much more than a work tool. For many people it is the place where you keep all the things that are important to you: your email and financial information, business secrets, personal writings, even irreplaceable media like photos, film, and writings.

So if your laptop were stolen from you tomorrow, what would it do to your life?

Even worse, if a laptop belonging to your business were stolen that contained the personal data of customers or clients, it could put all of them at risk of identity theft and you could be held liable.

This crime draws both the common thief and the more sophisticated identity thief alike, and it's on the rise in England. Last year, a laptop belonging to the Nationwide and containing the personal information of over 11 million customers was stolen and never recovered. In London, laptop theft is up 15% on last year, with over 6500 laptops stolen in 2006 (not including laptops stolen out of homes and offices). Other metropolitan areas in Britain have similar statistics: over 2000 in Edinburgh with a 31% increase, and a 15% increase in Manchester.

Having a laptop stolen is personal nightmare if it is your own machine, but so much worse if you lose information that compromises your friends, co-workers, and clients. At Marks & Spencer's, a laptop lost in 2007 contained sensitive data about 26,000 employees, including their national insurance numbers and other personal identifying information. That cost Marks & Spencer's free credit checks for all employees and a promise to cover them for any damages if their identities were compromised. In the Nationwide case above, the company was fined just under a million pounds.

And even if you get the laptop back, even if the laptop was only "borrowed" its data can be copied off in minutes, putting any data on it at risk even after the machine is returned.

Two simple steps protect yourself against losing your personal computer?

The First Step: Protect Yourself

Laptops are at risk due to the very portability that makes them useful. It takes only seconds for someone to carry off your unguarded laptop, along with all its precious contents. The first thing to do is not leave it unprotected, even for a minute; Keep it in sight. Get good security on your wireless connections while you're at it, and carefully choose the places where you use that connection.

You can also get physical barriers against using a stolen laptop. For instance, biometrics including fingerprint scanners has become increasingly popular with laptops, and key cards that you keep in your wallet or luggage separate from the laptop can be used to secure it. Computers with hard drives mated to internal workings prevent your hard drive from being removed and copied. And if your laptop is used to access the Internet after it is stolen, there are subscription services that can trace it remotely and render it unusable while it connects to the web.

The Second Step: Consider Laptop Insurance

Laptop insurance is becoming one of the fastest growing specialist insurances. With low-cost monthly premiums, having some form of insurance policy could be the one thing between you and financial ruin. Laptop insurance is cheap, and if you have used other protections for your laptop, it gets even cheaper. Many providers offer worldwide cover, accidental damage protection and a 48 hour replacement service.

Protect yourself physically with laptop security and financially with good laptop insurance. With luck, you'll never have to depend on either. But if the worst comes about, you'll be glad you did.

The Importance of Shoes

Shoes have become an important part of our everyday lives. Shoes were originally designed to protect our feet from cold weather, sharp objects, and uncomfortable surfaces. The early version of the shoe is thought to be a sandal of some form. As man’s knowledge of tools and the working of leather grew, so did the sophistication and quality of the average shoe. Shoes are shaped by the physical and economic environment of their surroundings. For example, the ancient Egyptians wore flip-flops woven from straw while the Dutch wore shoes carved from wood to protect their feet from damp marshy land they worked in.

With the passing of time shoes have become an integral part of daily lives. Shoes have passed on from being an item of luxury to an item of necessity. Fashion also played a role in the evolution of the shoe. The human psyche craves for an individual and unique identity. The nobility and upper classes saw shoes as an opportunity to fulfill this desire. The shoes got more and more extravagant. Cloth, velvet and tapestries began to be used. This was the birth of the shoe industry as we know it today. Today shoes are classified according to their use. They are casual and dress, work, sport and corrective.

All shoes fall in the casual category due to their characteristics. The differentiating factor is the purpose of the shoe. Casual shoes are designed and intended to convey an attitude of relaxation and informality. Casual shoe design has evolved with the passing time. Today’s casual shoes resemble formal dress shoes in many aspects. The distinguishing factor is the color of the shoe. Casual shoes range from flip-flops to sneakers and boots. The materials used in the manufacture range from leather, canvas and rubber to the modern petrochemical derivatives like plastics and xylenes.

Formal dress shoes are of two varieties – laced and lace less. Traditionally they are made from leather and tended to be expensive. The use of plastics and modern manufacture methods has brought down prices. The upper classes still prefer leather over what they consider cheap plastic. Women’s dress shoes may be a variant of pumps or sandals. The style of clothing decides the category of the shoe in case of women. Unisex shoes are a new product in the shoe market.

Sport shoes are specialized shoes designed and created to enable better performance in a particular sporting activity. Sport or athletic footwear is used in a number of sports like football, basketball, cricket, and track and field events. Climbing shoes are also a specialized type to footwear unsuitable to any other sport and even to walking due to its design. It is usually donned at the base of a climb. Basketball and tennis shoes have rubber soles to enable better grip on their respective courts. Sports like football, soccer, baseball and hockey use shoes with metal spikes on the under sole to give better grip for quick starts and stops. Hiking boots or trail boots are designed to support the ankle to prevent injury and to give good grip on rocky surfaces.