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    Selecting a Personal Digital Assistant
    A Computer in Your HandCarrying around an address book and planner is becoming a thing of the past. With new PDA developments, you can manage your contacts and schedule, use e-mail, and even listen to music. Personal Digital Assistants, originally called "Palm Pilots," previously were used just for retrieving basic information. Today, using some of the more advanced models could possibly replace the need to carry a laptop computer. Modern PDAs can play music, games, videos, write documents, and connect to networks and databases -- nothing short of a desktop computer.Although newer PDAs have the processing power of a computer, they still have some limitat
    rt holders do not need a visa to enter Britain for visits of up to six months. However, visa clearance cannot be issued on a temporary passport. Working holiday makers must have a visa when entering Britain. Working-visa applications should be made at the DHL Visa Centre (the British High Commission's outsource partner). Call 0861-858-4727 or go to www.britishvisas.co.za. Cost: R195 to DHL plus cost of relevant visa.

    Canary Islands: SA passport holders will need a Schen

    Choosing A Cellular Phone Service Provider
    With the advent of the cell phone came the convenience of always being in touch. No longer were we tied to landlines in order to communicate – we now had a slick and compact companion that kept pace with our busy lifestyle. But along with the convenience came a multitude of decisions that had to be made including the type of phone that you would best be served by and the particular cellular phone service provider that would meet all your service needs at an affordable price.Finding that cellular phone service provider, however, comes with some research and comparison shopping. Not every provider will make financial and logistical sense for your particular situa
    South African passport holders need a visa to enter the Schengen area of Europe. The countries of the Schengen territory are Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Italy, Luxembourg, the Netherlands, Norway, Portugal, Spain and Sweden.

    If you are visiting only one Schengen country, you must apply for a Schengen visa at that country's embassy or consulate.

    If you intend visiting several Schengen countries, you must apply for your Schengen visa at the embassy or consulate of the country where you will be spending the most time. For example, if you are visiting Germany for three days, France and the Netherlands for two days each, you would apply for your Schengen visa at the embassy or consulate of Germany.

    If you are visiting several Schengen countries, but will not have a main destination, you must apply for your Schengen visa at the embassy or consulate of the first country you enter.

    A Schengen visa is comparable to a multiple visa for all the above countries, and you need only one Schengen visa. There are several kinds of Schengen visas - a transit visa, a short-stay visa, a long-stay visa, an airport-transit visa and a group visa (only under some circumstances). The general cost of a Schengen visa (of any category) is l60 (R575).

    When applying for any visa, you must phone the embassy or consulate concerned.

    A Schengen visa will be issued to South Africans on a temporary passport provided the passenger is travelling within two months of the issue of that temporary passport and if that traveller has a South African identity document. Some Schengen countries do not allow entry on a temporary passport. Check before you travel.

    Austria: Austrian Embassy, Pretoria, phone 012-452-9155. Cost: E60.

    Belgium: Belgian Consulate-General, Rosebank, Joburg, phone 011-912-9600. Cost: E60.

    Britain: South African passport holders do not need a visa to enter Britain for visits of up to six months. However, visa clearance cannot be issued on a temporary passport. Working holiday makers must have a visa when entering Britain. Working-visa applications should be made at the DHL Visa Centre (the British High Commission's outsource partner). Call 0861-858-4727 or go to www.britishvisas.co.za. Cost: R195 to DHL plus cost of relevant visa.

    Canary Islands: SA passport holders will need a Scheng

    Occupational Hazard Lawsuit, Workers Compensation
    Occupational hazard lawsuits are main concern with any sized company and, for the personal safety of all concerned, employers are required by law to carry workers compensation insurance for their employees. The cost of this insurance will vary depending on the size of the business, the level of risk assumed by employees on a daily basis, and any previous accident history for the business. Employers may purchase the insurance directly through the state, by using a licensed insurance agency, or by establishing a fund to self-pay any claims made by workers.PURPOSE OF WORKERS COMPENSATION IN HAZARDOUS OCCUPATIONSThe purpose of workers compensation is to prov
    ngen visa at the embassy or consulate of the country where you will be spending the most time. For example, if you are visiting Germany for three days, France and the Netherlands for two days each, you would apply for your Schengen visa at the embassy or consulate of Germany.

    If you are visiting several Schengen countries, but will not have a main destination, you must apply for your Schengen visa at the embassy or consulate of the first country you enter.

    A Schengen visa is comparable to a multiple visa for all the above countries, and you need only one Schengen visa. There are several kinds of Schengen visas - a transit visa, a short-stay visa, a long-stay visa, an airport-transit visa and a group visa (only under some circumstances). The general cost of a Schengen visa (of any category) is l60 (R575).

    When applying for any visa, you must phone the embassy or consulate concerned.

    A Schengen visa will be issued to South Africans on a temporary passport provided the passenger is travelling within two months of the issue of that temporary passport and if that traveller has a South African identity document. Some Schengen countries do not allow entry on a temporary passport. Check before you travel.

    Austria: Austrian Embassy, Pretoria, phone 012-452-9155. Cost: E60.

    Belgium: Belgian Consulate-General, Rosebank, Joburg, phone 011-912-9600. Cost: E60.

    Britain: South African passport holders do not need a visa to enter Britain for visits of up to six months. However, visa clearance cannot be issued on a temporary passport. Working holiday makers must have a visa when entering Britain. Working-visa applications should be made at the DHL Visa Centre (the British High Commission's outsource partner). Call 0861-858-4727 or go to www.britishvisas.co.za. Cost: R195 to DHL plus cost of relevant visa.

    Canary Islands: SA passport holders will need a Schen

    Irresistible Angelic Voices
    Can YOU RECALL the last time you heard the newsman deliver his piece and you latched on till the last syllable?....Or what about that rousing cry by Brad Pitt who (melodramatically) exhorted, "Beyond that beach is Immortality. Take it. It's YOURS!!"... How about that time your lover lustily whispered, "the Bedroom. Now." Instantly, you felt hot all over; not because of anticipation, but because of her intonation.Now, stop, and let's look at at the other side of the coin.Can you already remember that dull professor who droned on and on. And on and on. Three cups of black coffee nothwithstanding, and you fell asleep despite her topic embraci
    gen visa is comparable to a multiple visa for all the above countries, and you need only one Schengen visa. There are several kinds of Schengen visas - a transit visa, a short-stay visa, a long-stay visa, an airport-transit visa and a group visa (only under some circumstances). The general cost of a Schengen visa (of any category) is l60 (R575).

    When applying for any visa, you must phone the embassy or consulate concerned.

    A Schengen visa will be issued to South Africans on a temporary passport provided the passenger is travelling within two months of the issue of that temporary passport and if that traveller has a South African identity document. Some Schengen countries do not allow entry on a temporary passport. Check before you travel.

    Austria: Austrian Embassy, Pretoria, phone 012-452-9155. Cost: E60.

    Belgium: Belgian Consulate-General, Rosebank, Joburg, phone 011-912-9600. Cost: E60.

    Britain: South African passport holders do not need a visa to enter Britain for visits of up to six months. However, visa clearance cannot be issued on a temporary passport. Working holiday makers must have a visa when entering Britain. Working-visa applications should be made at the DHL Visa Centre (the British High Commission's outsource partner). Call 0861-858-4727 or go to www.britishvisas.co.za. Cost: R195 to DHL plus cost of relevant visa.

    Canary Islands: SA passport holders will need a Schen

    Homeowners Policy: Why You Should Review It Annually
    Most Homeowners insurance companies will simply send out a reminder for a renewal of your home insurance policy when the end of the year is up for your insurance coverage. Many will also automatically renew your policy unless you call and let them know that you want to change or cancel that policy. This makes it easy for many homeowners to simply begin sending in the next set of payments for another year without reviewing the policy to make sure it adequately reflects their needs for the year.Whether you have upgraded or remodeled the home, added a deck onto the back, turned the home into a rental property or realized that you may have problems with flooding in
    ricans on a temporary passport provided the passenger is travelling within two months of the issue of that temporary passport and if that traveller has a South African identity document. Some Schengen countries do not allow entry on a temporary passport. Check before you travel.

    Austria: Austrian Embassy, Pretoria, phone 012-452-9155. Cost: E60.

    Belgium: Belgian Consulate-General, Rosebank, Joburg, phone 011-912-9600. Cost: E60.

    Britain: South African passport holders do not need a visa to enter Britain for visits of up to six months. However, visa clearance cannot be issued on a temporary passport. Working holiday makers must have a visa when entering Britain. Working-visa applications should be made at the DHL Visa Centre (the British High Commission's outsource partner). Call 0861-858-4727 or go to www.britishvisas.co.za. Cost: R195 to DHL plus cost of relevant visa.

    Canary Islands: SA passport holders will need a Schen

    The Art of Selling - Preparation
    Having been involved in sales for most of my career, I can attest to the many successes and failures of various colleagues. In trying to determine the root of those that had problems selling, it can be summed up in a few words; lack of preparation. These poor people would knock on a door or make a call with almost no idea of what they were going to say or how the sales call should go. What they needed was an outline and some general knowledge of the company regarding whom they were calling. With the advent of the Internet, this is inexcusable. The ability to research a specific company or industry has become as easy as clicking a mouse.In my day, I had to read
    rt holders do not need a visa to enter Britain for visits of up to six months. However, visa clearance cannot be issued on a temporary passport. Working holiday makers must have a visa when entering Britain. Working-visa applications should be made at the DHL Visa Centre (the British High Commission's outsource partner). Call 0861-858-4727 or go to www.britishvisas.co.za. Cost: R195 to DHL plus cost of relevant visa.

    Canary Islands: SA passport holders will need a Schengen visa for entry. The Spanish Embassy, Pretoria, phone 012-460-0123. Cost: E60.

    Cyprus: Cyprus High Commission, Pretoria, 012-342-5258. Cost: R110.

    Denmark: Royal Danish Embassy, Pretoria, phone 012-430-9340 or Royal Danish Consulate-General, Sandton, phone 011-804-3374. Cost: E60.

    Finland: The Embassy of Finland, Pretoria, phone 012-343-0275. Cost: E60.

    France: French Consulate-General, Rosebank, phone 011-778-5600. Cost: E60.

    Germany: German Embassy - visa section, Pretoria, 012-427-8999. Cost: E60.

    Greece: Greek Consulate-General, Illovo, 011-214-2300. Cost: E60.

    Iceland: The Royal Danish Embassy represents Iceland in the issuing of visas, Royal Danish Embassy, Pretoria, phone 012-430-9340 or the Royal Danish Consulate-General, Sandton, phone 011-804-3374. Cost: E60.

    Ireland: SA passport holders do not need a visa to enter Ireland for a stay of up to three months. Contact the Embassy of Ireland, Pretoria, 012-342-5062 for further information.

    Italy: The Italian Embassy in Pretoria issues visas only to Pretoria residents. Phone 012-423-0000. Applications from South Africans living in the postal code areas 1000 to 2899 and 9300 to 9999 can be made to the Consulate-General of Italy, Houghton, phone 011-728-1392. Cost: E60.

    Luxembourg: The Belgian Consulate-General, phone 011-912-9600. Cost: E60. South Africans with temporary passports are not allowed entry into Luxembourg.

    Malta: SA passport holders need a visa to enter Malta, but if you already have a Schengen visa, you can enter Malta on that. The Honourary Consulate for Malta, Cape Town, phone 021-430-5319. Contact the Malta government website www.gov.mt

    Monaco: Contact the Honorary Consulate of Monaco on 021-702-0991/2.

    Netherlands: The Netherlands Embassy, Pretoria, phone, 012-425-4500. Cost: E60. South Africans travelling on a temporary passport will not

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