The Revolution in Online Trading and Investing | Penny stocks fortunes

It?s no coincidence that between 2008 and 2010, individual investors pulled more than $400 billion out of full-service brokerage accounts and put that money to work in discount brokerage accounts instead. This new trend toward self-directed, online investing is a very different phenomenon from the day-trading mania of the late 1990s. That was a fad driven by the frenzy for tech stocks, and it ended in disaster. The tech stock speculators of that era still haven?t recovered their money. But the self-directed investors of today are a different story. They?ve made a rational decision to take charge of their own investments instead of paying a small fortune to have someone else do it for them-someone whose financial interests may not be the same as those of their clients.

The trend toward online trading and investing has been helped along, of course, by the availability of things like mobile investment apps and user-friendly stock tracking software. The driving force, however, is not consumers? love of new technology but rather a desire to take control of their own finances. Indeed, the pull of do-it-yourself, self-directed online trading and investing is so strong that Merrill Lynch, the biggest name in full-service brokerage, recently threw up its hands and opened up a discount operation of its own.

If people are having second thoughts about full-service Wall Street brokerages, they aren?t feeling much better about mutual funds, with the heavy management and marketing fees many of them impose. Mutual fund companies are ingenious when it comes to choosing statistics that show their results in a positive light. What they can?t disguise, however, is the fact that most of them underperform the market as a whole. They don?t perform the same as the overall market; they perform worse, largely because of those onerous fees that most of them charge.

Some people argue for investing in low-fee, passive index mutual funds, which guarantee results that are only slightly worse than the market as a whole. Passive index funds might a better choice than actively managed funds that charge high fees for mediocre performance. Even so, in today?s fast-paced business environment, where companies and even industries can become outdated almost overnight, passive investing is hardly an ideal solution to the needs of ordinary investors.

Are there better solutions at hand? Indeed there are. By investing a little time and effort and harnessing the generous array of tools and data now available to everyone online-at little or no cost-investors can learn to do for themselves what many high-priced stock brokers do not do on the customers? behalf. They can develop a systematic methodology for identifying the stock market?s myriad opportunities, and they can pursue those opportunities with a disciplined eye toward securing their own financial futures.

Future articles in this series will elaborate upon the ABCs of developing an investment methodology. It is it less difficult than you?ve probably been led to believe, and, besides, most people who take charge of their own investments have fun at it.

Check out free, fast and fun stock research and online trading tools at Chaikin Power Tools.

Retrieved from ezinearticles

Source: http://pennystocksfortunes.net/the-revolution-in-online-trading-and-investing/

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Jewelry Designers: Should You Follow Jewelry ... - Clothes Shopping

Selling your jewelry designs can be a challenge with trends in fashion and jewelry constantly changing. It can be hard to keep up with customer demand!

I know most jewelry designers make an effort to keep abreast of fashion and jewelry trends and to may alter their jewelry designs to meet the demands of the latest trends. It is important to keep track of trends and styles in the world of fashion, BUT it doesn?t necessarily mean you need to jump on board every trend and fad that comes along. This can undermine the integrity of your jewelry business.

I have a friend who is quite successful selling her handmade jewelry. She follows trends closely, but she uses the trends to determine what NOT to sell. If color is a hot item for the season, she designs her jewelry in neutral shades. If long necklaces are the rage, she makes and extra effort to have the best selection of short necklaces. She is essentially choosing to go with the counter trend and it works exceedingly well for her.

Just why does this strategy work? When the eye sees too much of any a particular style of jewelry over a period of time, it can effectively become desensitized to that particular item.. When stores overstock their shelves with repetitive jewelry designs that lack originality, the eye tends to seek out something different and unique.

That?s were the counter trend designer comes in. She has that unique item that the weary, desensitized eye finds exciting. Her items are a refreshing change from the ordinary and people will purchase her items because of their uniqueness.

So where does this mean for your jewelry business? Regardless of which way you choose to take your designs and how closely you choose to follow the prevailing look, you need to know what the trends are.in order to know how your jewelry fits into the marketplace.

Would counter trend designing work for you? If you have established a customer base who seeks out original, artistic jewelry designs, you may do very well going against the prevailing jewelry trends with your designs. Your customer may purchase from you because you buck the current jewelry styles and design from your own inner voice. If your customer base is more mainstream and concerned about the current styles and trends, you?re probably better off using trend knowledge to subtly mold your jewelry designs to conform to the prevailing styles.

Experiment a bit by offering a few designs that go against the current jewelry trends and see what the response is. Just don?t go overboard! Make a few small changes while maintaining your current concept. If you get a good response, you can expand your new jewelry concept slowly. Sometimes small changes can be just the boost your jewelry business needs!

More Latest Fashion Trends Articles

Source: http://www.clothesshopping.ws/jewelry-designers-should-you-follow-jewelry-trends-when-designing-jewelry

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Agricultural Land For Sale in West Virginia Holds Steady ? eboden ...

Agricultural Land For Sale in West Virginia Holds Steady

Article by Brad Wozny

Media reports out of West Virginia suggest that farm real estate in that region of the country is holding steady.

According to the U.S. National Statistics Service recent findings, real estate values across the US increased between 2005 and 2006. Farm real estate value, which takes into consideration all buildings as well as all land on farms, also rose across the nation as a whole. In January 2006, agricultural real estate values were, on average, ,900 per acre, which is an increase of 15.2% over one year.

This is a record increase. In West Virginia, real estate values for farm lands increased even more than the national average.

In fact, farm value in the region was ,900, which is an unprecedented 21% increase over the 2005 value. Of all the eastern states, West Virginia showed the largest increases in real estate values. Around the same time, West Virginia real estate was inexpensive compared to the rest of the country.

Across West Virginia, real estate sales averaged only ,150 per undeveloped acre. While this is a 10.3% increase over 2005 prices, it still does represent a good bargain when compared with costs in other states.For real estate investors, the U.S. National Statistics Service findings are good news.

Those interested in agricultural land for sale to purchase large parcels and develop themselves can now rest easy, knowing that West Virginia offers a very good bargain when compared with other states.

The slight increase in values is great for those who already have bought land in the area and hope to offer it for sale soon.

However, the time to develop in West Virginia commonly takes 3-5 years after you receive zoning approvals, and begin bulldozing for a road, adding utilities, pipes, etc.

For homebuyers or second-home owners, they?re better off purchasing a lot in a project that?s at least half developed to receive great value on their real estate.

If you have not yet purchased West Virginia land, now is the time to consider doing so. With prices rising but still relatively low, this is a great time to buy.

The fact that land in the state is within an 8 hours? drive from more than Half the population of the United States, and is growing faster than average can mean good profits down the line.

About the Author

Brad Wozny is a real estate investor and syndicator, often publishing helpful and free real estate investing articles and tips. To learn more about excellent West Virginia development land for sale visit one of its premiere and estate-like projects http://www.MyWillowWoodAcres.com

Source: http://eboden.org/?p=12725

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Web Design ? Web Site Buyers Guide | Web Design News

Running a business is not easy. So much to do and to think about! A decision about your company?s website is one of many on your plate but it could be one of the most important.

Whether you need a website and what sort depends on the nature of your business, target market and ways you are planing to reach your potential clients.

A website can be a highly functional selling tool or a simple on-line brochure.

What you will need

Domain name registration

The process by which a company or individual selects a domain name and later officially registers the domain name through an approved domain name registrar. There are few official companies through which you may check domain mane availability and register. Cost for such service may vary but is relatively low and will start at about ?3 per year.

Web Hosting

The business of providing the storage, connectivity, and services necessary to serve files for a website

A company that provides web hosting services is called a web host. There are literally thousands of web hosting services, ranging from individuals to worldwide corporations. Your web site developer will be able to advise you on what hosting services are suitable for your company.

Email

You will also need an e mail account. Normally a hosting company will offer email services as well as hosting services.

Service based Business model

If your business offers services that cannot be sold over the Internet, for example, landscaping, plumbing, consultancy, etc, the purpose of a website will be to serve as an on-line brochure, advertising in local on-line directories and generally to appear professional and trustworthy.

Design

Pre-designed template

The most cost effective solution in this case will be a static website. Static website is a website that does not provide any interactivity between it and its users and any changes to the content of the site will have to be undertaken by the web developer.

Such site can be purchased pre-made where buyer is guided to chose from several different templates (looks). Often such service is paid for monthly and the charge is low and include domain name registration and hosting of your website. The benefits of such ready made websites is the relatively low cost. The drawbacks to be considered are not very personal look and feel of the site, limited room for development and growth and fact that you paying for using the web space and do not own your site outright as you would if you paid a web developer to build the site for you. Which is the other of the options.

Bespoke design

If you use a web developer to build the website to your specifications higher cost are to be expected. Such costs will be for graphic design, implementation of the site, domain name registration and hosting of the site. Market varies widely and research will need to undertaken. Contact few local web design companies and request quotes in order to chose one that will suite you best. Good web design company will make sure that your site is search engine friendly, well structured and they will recommend to which directories it will be beneficial to submit your site.

Also they will optimize the site?s content and recommend ways of marketing.

Product Based Business or Business with regular changing content

Product based Business model

If your business is product based the need for a website increases. You may not want to sell your product on-line but being able to show it to the potential buyer is crucial.

Look at it as on-line catalog. If your product range is small in and more importantly constant the static site will also suit you. You will need to use a recommended web design company and the cost may vary on average between ?400 and ?2000.

Content Management and website growth

If your product needs regular updating, for example you sell antique furniture and each peace is different, you will need to be able delete, replace your product or mark as sold the best solution for you is Content Management System (CMS).

A Content Management System is what allows company employees to publish new content to their web sites. It will allow you to be in control of the content of your website. There are many such systems on the market but main thing is to look out for is user friendliness. Complicated system will not only irritate and puzzle you but slow down the content managing process and take time away from running the business. Therefore it is recommended that before such system is bought the demonstration is requested. Contact few companies to compare the cost, usability and suitability of the products on the market.

A good CMS will have a wide spectrum of usability and will be adaptable to the businesses ranging from a small one user system to large multifunction, multiuser system.

E-commerce

E-Commerce (electronic commerce) is the buying and selling of goods and services on the Internet.

An E-commerce and CMS solutions together can provide you with all the tools necessary to establish your company as an Internet retailer. A good E-commerce system combined with CMS will allow you to perform a multitude of functions from managing your products to running promotions.

So, what ever your business there is a solution out there which is right for you. The main advice when buying a website is shop around and do your research.

By: Natasha Heyland

Source: http://www.webdesignlk.com/internet-and-businesses-online/web-design-web-site-buyers-guide

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Market Meltdown Effects upon us Real Estate ... - It's Finance 101

All about freedom debt relief, national debt relief program, government debt relief programs, national debt relief stimulus plan, credit card debt relief act, freedom debt relief scam, debt relief programs, credit card debt relief, ? There was large deregulation in the financial industry when price savings and financial loans started off obtaining better home interest rates even on short-time period deposits. There was risky investment strategies on debatable deals. ?

Continue reading here:
Market Meltdown Effects upon us Real Estate Investment Markets

Source: http://www.itsfinance101.com/2011/07/market-meltdown-effects-upon-us-real-estate-investment-markets/

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Health and Fitness - Topics Info

Managing a headache can be challenging for many who exclusively depend on medications found in the pharmacy or drug store. How come? Due to the fact that such treatments are just short-term solutions which usually are accompanied by a lot of risks & side effects. Contrary to what drug companies have told you, there are lots of natural & extremely powerful headache remedies you might want to think about using rather than headache aspirin. They?ll be able to provide you with natural relief from headache pain WITHOUT the extra expense and negative effects that go along with conventional prescription treatment.

Using Pressure: If you would like fast relief from headaches, then making use of pressure points is without a doubt a tactic you have to find out about. Though it?s not suggested that this be the only remedy you use, it?s still worth having in your ?toolbox?. To accomplish this properly, locate the pair of pressure points on the back of your neck. They are at the base of the skull, approximately two inches separated. Now apply pressure to these areas for 2 minutes and release sporadically. Continue repeating this until the pain is lessened or even goes away altogether.

Dark Room: You might not think it, but a completely dark, quiet room is really powerful if you want fast relief from extreme headache pain. This is especially true if your headache is more comparable to a migraine, whereby both sounds and lights intensify pain. And, rather than doing ONLY this ?treatment?, you really need to be doing other techniques while you?re in the dark room to be able to maximize pain relief.

The Hot & Cold Remedy: Another method would be to apply a cold towel to the rear of the neck and then a hot towel to the same region immediately after. This rapid alternating should help to eliminate the severe pain attributable to your pounding, throbbing headache. This is one of the many headache cures that constantly gets neglected. People know the ?hot & cold? strategy is effective on aching muscles, but they have virtually no idea it actually is effective for headaches as well.

Natural Herbal Tea: Stress, fatigue, and anxiousness may ALL be contributing causes to your frequent headaches. While there are various methods to relax, among the easiest & quickest is with herbal tea. Even if you might not be a huge tea drinker, it?s strongly advised that you keep a couple of bags of tea in the kitchen ? chamomile & peppermint are fantastic choices. When you sense the pain begin to manifest, make a cup for yourself, find a place to relax, then drink it down slowly.

Neck Stretch: By angling the head left to right, you are actually stretching the neck muscles and helping them relax & loosen up. More often than not, these muscles are tense and bring about headache pain. Having said that, make sure to always do a small amount of mild stretching each day in order to get relief from headaches.

If you need fast relief from headaches and throbbing headache pain, be sure to stick with these and other natural headache remedies. They might not work instantly ? and neither will aspirin for that matter ? but they will work quickly and ensure the throbbing pain goes away before it has the opportunity to get even worse!

Source: http://www.topics-info.com/health-fitness/the-simplest-way-to-get-fast-headache-relief

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The Google+ traffic slump: Is the honeymoon over? (The Week)

New York ? The internet search giant's social network slips backward after an initial boom

Google+ enjoyed explosive growth immediately after its much-hyped launch, signing up more than 10 million users in just a few weeks. But now, just one month after its debut, the fledgling social network is already losing momentum. According to Hitwise, Google+ traffic fell by 3 percent in the week that ended July 23, and the average time visitors spent on the site fell by 10 percent, to 5 minutes and 15 seconds. Is Google's latest attempt to break into social media fizzling already?

Google+ is not living up to expectations: Google+ made a huge splash because people wanted to see whether the internet search giant had come up with the "next big social network," says MG Siegler at TechCrunch. "But now things are calming down. The new car smell is wearing off. And it's time for reality." The content people are exchanging via Google+ "feels fairly stale," so users don't have "a compelling reason for coming back" once they've signed up.
"Sophomore slump? One month in, Google+ sees a traffic minus"

Hold on. Google+ is hardly doomed:?Hitwise itself says "this is not a huge drop," says Matt Peckham at TIME. And this tiny slip doesn't take into account mobile or third-party app traffic, so it might not even be a dip in traffic at all. "That said, Google+ faces an arduous and lengthy all-out-war" to topple Facebook. So "buckle up" ? there's a long, "bumpy ride" from Google+'s less than 20 million users to Facebook's 750 million.
"Is Google+ momentum slowing? Report says visitors spent less time on site"

But Google's self-inflicted wounds aren't helping:?Google has faced "massive criticism" for its username policy,?says Molly McHugh at Digital Trends,?which forces people to use their real names, and "bars anonymous handles." Google has also taken heat for "its slow response to loud cries for business pages." Without "these blunders," Google+'s traffic might still be soaring.
"Report of Google+ traffic dive lacked key data"

View this article on TheWeek.com
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Source: http://us.rd.yahoo.com/dailynews/rss/oped/*http%3A//news.yahoo.com/s/theweek/20110729/cm_theweek/217784

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Silver Investing for Your Future | pymug.org

Planning your monetary long term does not need to be challenging, but it is best to spend some time finding familiar with the monetary markets, and after that deciding what kind of investments you would like to make. But you must bear in mind that when you do make a decision to invest in metals, which you should not only just look in the silver price today, however the entire market place. Despite the slight drop inside the gold and silver prices, they nevertheless remain incredibly higher and are above time going up. And in case you consider the upward trend in the silver price today, compared to the trend of your stock market place more than exactly the same time period, it really is quite obvious why several folks are starting to invest in this treasured metal. One of the best items about investing in these metals, is the fact that you?ll be able to structure your investment on the recent trading silver price today and above time create up your silver or gold reserves. For rather a couple of people, you need to also be acquainted with the investment itself you are creating and not just base your selection on the existing silver prices today. Actually when it comes down to it, in case you are a clever investor and have diversification, investing in silver or gold could be really worthwhile, thinking of the enhance from the silver price today more than time. Though investing in silver does not need to be complicated, you need to nevertheless pay focus to what can impact the silver prices today, including alterations in the economic ailments or additional people today getting gold or silver. The majority of folks which have significant investments in silver or gold will invest in funds so they do not must physically store a large supply of either metal. You ought to take into account how much you will be investing also, also to checking out the recent silver prices today and seeing how that variables into your investments.

Source: http://www.pymug.org/business-finance/investing/silver-investing-for-your-future

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The Best Five Home Security Alarm System Sydney | Home Improvement ...

Posted on July 28th, 2011

The Best Five Home Security Alarm System Sydney

Thieves are just about the several situations which could sometimes occur during the day or even nighttime. While robbers plan to enter your property, you will be neglected out helpless. However, if you need to always be secured, you need to utilize providers associated with security alarm system.
A Brisbane residence security alarm enhances the security in your home. Once you deploy the property alarm system software, you don?t simply secure your property and your loved ones but furthermore you raise the chance of obtaining diminished residence insurance plan fees.

Here?s a list of the top 5 security alarm system gadgets that you can choose to help your house constantly protected.

1. Your wireless security alarm systems are place hassle-free since there are no cables estimated. A lot of the detectors furnished within the wifi home security alarm systems which in turn consult with the actual grasp control panel through radio stations wavelengths. Hence, zero criminal can cut the line cable connections to deactivate it.

2. Light up detectors is usually a part of the home security alarm. Your smoke alarm protection system never merely notify you after a flame breakout nonetheless it directly call the fire office with your vicinity.

3. The speaking security alarm system method tools characterized the particular master handle control panels which in turn boast the capacity to speak. Numerous elements will be the remote and also important patches. The chatting component doesn?t just provide deliver magnificent outcomes however this might enable you to understand better you?re set up process.

4. There are generally security alarm system devices which usually make use of the aspect such as remote and key fobs together with buttons that are important in managing the system perhaps very far. The important thing fobs involve switches accustomed to activate and deactivate the house security system technique. Some of these even include stress knobs so that the specified companies are usually alerted at once.

5. The home stickers and the area indications will help promote the safety of your house. This might not necessarily totally provide residence basic safety but no less than you?ve got a thing to be determined by.

This specific record may be possibly imperfect however there are still probable options to place into thought. You can make some research online for some other security alarm gadgets which will accentuate the household needs.

Source: http://www.argentinosenelexterior.org/the-best-five-home-security-alarm-system-sydney/

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L&R Home Improvements ? Buffalo Home Ventilation ? General Facts

Home ? Home Ventilation

The mainly reason that we install buffalo home ventilation in our homes for would be maintaining healthy living surrounding. This could be accomplished by the process of evacuating the polluted air and removing stale so that we can enjoy fresh INSIDE our homes and don?t have to go out to the park and something in order to be able to breathe.

Some of you don?t open the windows or the door only frequently and there some people that don?t, that?s the air inside of the house is being consumed over and over which means that the percentage of carbon keeps on rising in proportion and I don?t think that this is a bit healthy for our bodies. That?s why we are resorting to energy efficient and healthy solution and that would the home ventilation as I mentioned above. This system will promote the air quality indoor and reduces the possibilities of respiration sicknesses and problems, great!

And there some people who avoid the installation of a buffalo home ventilation system saying that it is for the sake of saving energy and reducing energy bills, but they don?t to how much danger they are exposing their health. As with the everyday living and activity, pollutants gave a high risk of piling up in the air and becomes very concentrated, and believe this is not a good thing! And if you are wondering from where could pollution come let me tell you this: you can expect anything to cause air pollutions such as the molds; they become more problematic and annoying when they get combined with humidity! And all of this could be caused by a non-existing or inadequate home ventilation system. Did you see how much danger you are exposing yourself to?

And as I mentioned earlier, mold is the most annoying and dangerous problem that could occur in the absence of ventilation systems and what could worsen the situation would be the humidity that can build up where leakages and water pipes are. and as an expected result this mold spreading in your house can cause you thousands of dollars in order to clean and replace damaged areas (replacing wood boards, repainting.) and I have seen cases where houses have become uninhabitable because of it. Another problem could rise besides the mold and that would the dust mites! They are so disgusting and annoying and you are going to favor their growth and development by affording them the humidity they need and not installing the ventilation that could extinguish their existence. So, I think it is time to begin seriously thinking about getting that ventilation system installed.

In the other hand, a low humidity can cause damages whether on your health or on your house, as this could irritations in the nose and throat level and dry skin, as for your house it will suffer if it is made of wood as there is a risk that it would shrink and crack, and this is totally a bad thing that besides the wooden flooring that would become very when being walked on! Another risk would be the static electricity. You might be confused now: what should I do if too much humidity or no humidity at all can cause problems? Well the answer is simple and I already said it above: get home ventilation installed and your entire problems should be solved! As this system would manage the humidity level in your house and make it stable in healthy levels.

From earlier I kept on saying ?get the ventilation system installed!? and didn?t even advice on how to get it done. well you shouldn?t worry about this because you are not going to do anything on your own because if you call the Hughesco company the will come over and get all the system installed with the best and lowest costs that you could find in the market.

Source: http://www.lucyandricky.com/2011/07/27/buffalo-home-ventilation-general-facts/

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Value: The Sabbath Day | ABIM News Paper Today

?

?God is going to hear you talking about that Tommy and he won?t like it.? ?Steve told his best friend as they were going to school Monday morning.?Well I don?t get it. ?What is Sunday even good for anyway? ?I don?t get it. ?We go to church every Sunday but nobody knows why. ?Maybe it?s just a bunch of goofy rules the church made up so why should we do it anyway?? ?Tommy said in a snotty way. ?Tommy really was a good boy. ?He loved God and his family and all those things but sometimes he just had questions and he wanted someone to tell him the truth. ?Lots of us are like that.?Tommy, be careful. ?If you keep asking those kinds of questions, well God can hear you.? ?Steve said but Tommy said ?fine? and he meant it. ?He didn?t care if God did hear him. ?If God wanted to show him why Sunday was important, that would suit Tommy just fine. ?Tommy thought about it all day at school. ?As he walked out onto the playground after school, he noticed that all of a sudden, there were not any other kids around. ?As he came around the corner to the bicycles racks, he stopped short. ?He faced the biggest pair of feet he ever saw. ?They had sandals and they together were so wide, he had to turn his head to see from one toe to the other. ?Slowly Tommy?s eyes followed up the massive legs to the edge of a huge white robe, on up the big body to a huge beaming face that was all white with a glow like it has a light bulb inside of it. ?Behind each shoulder, he saw the edges of a huge angel?s wing.

?

?Hello Tommy, you ready to go?? ?The angel said with a deep voice that seemed to fill every inch of the air for miles around.?Who are you?? ?Tommy asked feeling it was a pretty good question.?I am Gabriel. ?I am the chief Angel of God. ?Are you ready to go find out why there is a Sunday?? ?Gabriel answered in a kind but firm voice.?Where are we going?? ?Tommy wanted to know.?You will see when we get there.? ?The angel answered.?How will we get there?? ?Tommy continued.?Well by comet of course. ?See?? ?And Gabriel gestured over to the swing sets where he had tied up to the jungle gym a steaming, flaming, very angry comet that didn?t like being tied up and it wanted to go right now.?Well I???.? ?Tommy hesitated but he didn?t have time to finish deciding because in a flash he was holding on for dear life. ?The comet wasn?t tied to the jungle gym ?any more, it was streaking through space faster than ten rockets with fire and smoke streaming past as Tommy held on to part of the comet and Gabriel?s toe. ?He suddenly heard himself going ?wheeeeeeeeeeeeeeeeeee? but then he suddenly heard Gabriel going ?wheeeeeeeeeeeeeeeeeee? too. ?Who knew angels go ?wheeeeeeeeeeeeeeeeeee?? ?Suddenly it seemed like the comet wasn?t moving. ?Tommy couldn?t see anything but could hear a sound like something out of control below. ??Where is everything Gabriel?? ?Tommy asked.?Everything hasn?t been created yet.? ?He said, ?Listen? and as Tommy listened, a different voice, a booming and yet endlessly loving voice spoke with more authority than his dad and the principle combined when it said?

?

?LET THERE BE LIGHT!?.

And so much light exploded, it was like a billion light bulbs. ?Suddenly things were happening everywhere. ?He kept hearing that loving voice saying ?LET THERE BE?? and more and more stuff happened. ?Below he saw a huge round thing form when he realized it was a planet and that it was his home, the earth. ?The sky formed up, really, really fast when that voice told it to and then the stars and the sun and then oceans and plants and plants and animals and then??? ? and then???Then Tommy saw a little space of dust. ?And that voice said ?LET US MAKE MAN IN OUR IMAGE?? and like some invisible hands were making a model, a shape of a person formed in the dirt and then it was like a complete person with a face and fingers and everything but made all of dirt. ?Then a breeze came to it but not a regular breeze, it came from that voice and when that breeze hit the dirt guy, he sat up and he was a person.Suddenly Tommy understood and he turned to Gabriel?s toe and then looked up and he said, ?Gabriel is this why we have Sunday? ?To remember when God created the world??

?

?This is why we have the Sabbath, Tommy.? ?Gabriel said, ?Let me show you why we have a Sunday.? ?And the comet took off but moved like a super fast elevator and suddenly Tommy was standing on a hill. ?He held on to Gabriel?s toe still but he wasn?t home or on the comet. ?He looked up at a huge signpost in the ground. ?But it wasn?t a signpost. ?It was a beam of wood and as he followed it up into the air, he saw a man, up on that wood, his arms out and he was stretched on a beam across. ?A beam that was like, well, like,?.?It?s the cross!? ?Tommy said gasping at what he was seeing. ?He turned to Gabriel to try to understand what he was seeing but when he did, Gabriel was gone. ?He turned back and the cross was gone but he saw the jungle gym and the swings and his bike in the bike rack and there stood Steve looking at him funny.?Tommy, where have you been? ?You look terrible.? ?Steve said helping Tommy get his clothes back on right.?Never mind that. ?I know why we have a Sunday now Steve.??You do? ?Why???Because of the Cross. ?Because Jesus died for us on that day and every Sunday we worship him for it and it is a holy day this week and every week for ever and ever and ever.? ?Tommy said reverently.?Wow, that must have been some trip. ?Where did you go???I can?t explain it now Steve.? ?Tommy said. ??But here is a souvenir and I will tell you later? he said handing Steve something and walking to his bike. ?Steve looked down and opened his hand puzzled and wondered even more as he picked up the tiny piece of comet chip and put it in his pocket for later.

Eddy Luedeman likes to write for UniformHaven.com which offers dickies scrubs, cherokee scrubs free shipping and lab coats as well as a host of other items.

Source: http://abim.tv/papernews/value-the-sabbath-day/

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Cost-free Astrology Charts Could Save You Money And Time ...

Astrology is a pretty imprecise topic. Understanding the fundamentals isn?t difficult for most of us. Even so, people who wish to explore the craft further and discover what astrology really is about and the way to apply it, you are going to have to study hard. In order to enable you to comprehend astrology better, you need to get yourself a free astrology charts. Possessing an astrological chart will assist you to research astrology and discover the way it operates without needing to invest years to take action.

You can also use an astrology chart as a reference if you think you might be forgetting anything. Several psychic mediums today won?t tell you that their biggest secret is astrology charts. In the fast pace world that we live in today, it?s very hard to keep up with information that psychics, future predictions experts, and astrology experts have to keep up with. Because of that, it?s very easy to forget the extensive knowledge that it takes to practice these arts.

It?s not only easy to neglect, it?s more difficult to discover. Not everybody has several hours to invest learning astrological signs, symbols, stars, etc? and due to that, the craft is becoming very difficult to discover nowadays.

Now, you?re able to do numerous things should you be wanting to understand astrology.

The first thing that you can do is enroll in a class and study very hard. After your class is over in five or so months, you?ll understand the basics of astrology. If you want to delve further in astrology, you?ll have to enroll in another class of astrology.

The second thing that you can do is pay someone who is an expert in astrology to teach you about the subject. You will, more than likely, be paying a high amount, but you?ll also be learning a very extensive knowledge of the subject ? provided you are willing to put in the amount of work that it takes to learn astrology.

Third, and finally, you may get free astrology charts. Astrology charts are really straightforward and may assist increase the pace that you discover astrology by ten to twenty times the pace that you?d have usually discovered the topic. For this reason, numerous astrological specialists don?t want you to get your own astrology chart. They?d rather you make use of them either to educate you on astrology, or to show you the data you are curious about.

Using astrology charts, it is possible to sidestep any of the ?middlemen? you encounter once you have no idea regarding the subject matter substantially enough yourself. For this reason, you could end up preserving thousands of dollars finding out the subject matter, and also hundreds and hundreds of hours that you?d have had to invest in carefully finding out the subject matter otherwise.

As a person who?s been considering astrology, I could ensure you that you won?t be making an error by obtaining yourself a free astrology chart. At the very least, it?s a fun subject matter you can understand about and show to your mates!

I?ve personally never found a better site acceptable towards free astrology chart than http://freeastrologycharts.com

Source: http://explicitarticles.com/arts-entertainment/astrology/cost-free-astrology-charts-could-save-you-money-and-time

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Mobile use doesn't alter kids' cancer risk: study (Reuters)

NEW YORK (Reuters) ? Children and adolescents who use mobile phones are at no bigger risk of developing brain cancer than non-users, according to a study of patients aged 7 to 19.

The research, published in the Journal of the National Cancer Institute on Wednesday, addresses concerns that children may be more vulnerable to health risks from electromagnetic radiation of mobile phones. Children's nervous systems are still developing, and there are fears that their smaller head circumferences could allow radiation to penetrate deeper into the brain.

But the study -- the first to look specifically at children and the risk of cancer from cellphones -- found that brain tumor patients were no more likely to be regular phone users than control subjects who did not have cancer.

"If mobile phone use would be a risk factor, you'd expect cancer patients to have a higher amount of usage," said Professor Martin Roosli who conducted the study at the Swiss Tropical and Public Health Institute in Basel, Switzerland.

Funders of the study included several groups such as the Swiss Research Foundation on Mobile Communication, which is partly supported by Swiss mobile operators. The funders were not involved in the study design or the collection, analysis, or interpretation of the data, according the authors.

About 5 billion cellphones are in use today, some 30 years after they were introduced commercially.

The World Health Organization (WHO) reignited interest in possible health risks from cellphones after it said in May that using a mobile phone might increase the risk of certain types of brain tumors.

Roosli's research, conducted between 2004 and 2008 in Norway, Denmark, Sweden and Switzerland, looked at phone use of 352 brain cancer patients and 646 control subjects.

About 55 percent of the cancer patients reported regular mobile phone use compared with 51 percent of the control subjects, according to the study.

"What we found was that there was no (significant) difference in the amount of use," Roosli told Reuters, adding that if there is a risk "it would be a really small risk."

But since the study involved face-to-face interviews, Roosli acknowledged that he could not be certain of the accuracy of the subjects' recollection of past cellphone use.

LONGER TERM STUDIES NEEDED

In a subset of the study, Roosli's also examined information from mobile service providers about the length of the subjects' cellular subscription when available.

From operator data he found that the cancer risk had doubled for those people who had used phones from more than 3 years, but noted that this data was unreliable as more cancer patients had provided carrier records than control subjects.

Roosli's said phone company records were not always available as some people had changed their numbers and some operators were required by law to delete call records after six months.

The study found no evidence of any increase in the risk of tumors in brain areas most exposed to cellphone radiation.

Roosli said that future studies should examine longer term phone use among children. For example, he suggested collecting phone records from a bigger group to see who develops a tumor.

"(This study) provides quite some evidence that use of less than 5 years does not increase the chance of a brain tumor, but naturally we don't have a lot of long-term users," he said.

In an editorial published along with the article, U.S. scientists recommended that investigators continue to monitor population incidence rates.

In the meantime, they said, people who are concerned should consider using an ear piece or the phone's speaker function.

Asked about practices in his own family, Roosli said "our study does not provide strong evidence of a relation, so why should I forbid my children from using cellphones?"

(Reporting by Sinead Carew; Editing by Richard Chang)

Source: http://us.rd.yahoo.com/dailynews/rss/cancer/*http%3A//news.yahoo.com/s/nm/20110727/hl_nm/us_cellphones

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Green Real Estate & CleanTech News ? Carrier Corp. Provides ...

Green Real Estate & CleanTech News . Jul 25. Carrier Corp. Provides Commercial Building Designers/Owners With a Blueprint to Earn LEED Credits By Betsy Kraat. SYRACUSE, NY?With growing demand for increased energy efficiency in buildings, Carrier Corp. published a new guide for ? ?Building on 109 years of pioneering innovation, we will never rest on our accomplishments, instead we will continue to look for ways to improve our products, our environment and our world .? ?

See the original post: Green Real Estate & CleanTech News ? Carrier Corp. Provides ?

Source: http://welcome2green.com/national-green-news/green-news/green-real-estate-cleantech-news-carrier-corp-provides

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Ground Beef Casserole Recipe - Free Articles Directory ...

Spicy Ground Beef Casserole Recipe
This spicy casserole recipe featuring ground beef, corn tortillas, green chilies and cheese.

Spicy Ground Beef Casserole Ingredients:

2 pounds ground beef
16 (6-inch) corn tortillas
2 pound processed cheese food, shredded
2 (4 oz.) can green chili peppers, chopped
2 (10.75 oz.) can cream of chicken soup
2 small onion, diced
1 cup milk

Spicy Ground Beef Casserole Directions:

Preheat oven to 325 degrees F.
Prepare a medium sized baking dish with nonstick cooking spray.
Cook the ground beef over medium heat until evenly browned color in a medium skillet then drain the fat.
Place half of the corn tortillas on the bottom of the prepared baking dish.
Layer on half of the cheese, ground beef, onion and green chilies.
Layer with the remaining onion, cheese, corn tortillas, ground beef and green chilies.
Mix the chicken soup with the milk in a medium bowl then pour over the top of the casserole.
Repeat step 4 ? 7 for all remaining ingredients to other baking dish.
Bake for about 30 minutes. Sprinkle remaining cheese on the top and bake for about 5 to 10 minutes or until all the cheese has melted.
Serve and Enjoy Spicy Ground Beef Casserole!

About the Author

Source: Casserole

Article Source: Free Articles Directory - ProArticlesDaily.com

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Home prices unchanged in May: S&P/Case-Shiller (Reuters)

NEW YORK (Reuters) ? Single-family home prices were unchanged in May, the first time in nearly a year they have not fallen on a monthly basis, though prices were still down compared to a year earlier, a closely watched survey said on Tuesday.

The S&P/Case Shiller composite index of home prices in 20 metropolitan areas held steady on a seasonally adjusted basis and in line with economists' expectations, according to a Reuters poll.

The last time the seasonally adjusted index rose month-over-month was in June 2010, shortly after the home buyer tax credit expired.

On a non-seasonally adjusted basis, the index rose 1 percent, the second month of gains in a row, the report said.

"This is a seasonal period of stronger demand for houses, so monthly price increases are to be expected," David Blitzer, chairman of the index committee at Standard & Poor's, said in a statement.

"The concern is that much of the monthly gains are only seasonal."

Prices in the 20 cities fell 4.5 percent year-over-year, which was also in line with forecasts.

(Reporting by Leah Schnurr, Editing by Chizu Nomiyama)

Source: http://us.rd.yahoo.com/dailynews/rss/business/*http%3A//news.yahoo.com/s/nm/20110726/bs_nm/us_usa_economy

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Poor credit Special Financial Car Loan ? Five Tips For Getting ...

If you get very lucky, choosing the best offer on a auto loan occasionally may just kind of get together. It is similar to the actual Universe had been assisting you away: you see an industrial or even study an excellent vehicle online, walk into the dealer, help to make a deal (that they rapidly take), after which, you receive a good deal upon financing. An hour or two later on, you are driving house inside your brand new vehicle having a smile on your encounter.

However, for most of us, landing a great deal on a auto loan isn?t nearly that simple. The more common tale that people tell is bargaining using the dealer over the right price to have an hour or more. Then, they take more time negotiating using the financing division to obtain a great deal on a vehicle. Ultimately, they depart the dealer without getting the offer these were looking for ? or maybe no offer whatsoever.

If the 2nd situation seems the more familiar of the two, you might have a less-than-perfect credit rating. Having a poor credit rating makes it harder for one to qualify for an auto loan. Fortunately, there are ways to get qualified through a poor credit special finance auto loan.

If you are looking for a car loans for bad credit special finance auto loan to get the car of your dreams, listed here are 5 strategies for obtaining financed faster:

One. Understand what poor credit special finance auto loans are:

Begin your journey to faster financing by researching such a special finance auto loan is. They are financial loans provided specifically by poor credit auto lenders. They are special because they are made to work specifically with individuals inside your credit situation.

2. Find those sites of at least 5 poor credit special finance lenders:

Now that you know what lenders to consider, look for as well as locate those sites of these special lenders. Search for ?bad credit vehicle loans? and other alike search terms to get your checklist started.

3. Assess every loan provider and look for the 3 signs and symptoms of trustworthiness:

Right now, go through the web site of each loan provider. What you need to end up being looking for at this point is signs that they are likely to be reputable lenders. They are: a. they checklist away the other clients say about all of them, w. they provide you with the chance to pre-qualify, as well as d. they?ve active partnerships along with auto sellers.

4. Pull your free credit history and fix any kind of misreported items:

Right now, if you are a Ough.S. resident, draw your yearly free credit reports. You will get one every per year from TransUnion, Equifax as well as Experian. Undergo all of them just like a good investigator might, making information upon anything suspicious or even incorrect. If you discover anything, get these errors remedied.

5. Follow through with submitting applications to a minimum of 3 lenders:

Right now, choose the top 3 most reputable looking lenders as well as affect all of them. You might get one, two or three offers. You will then be within the position to compare prices. Touch: ask for a pre-approval letter as well as walk it in to the car dealership in order to purchase the vehicle of your dreams.

Consider these 5 strategies for getting a poor credit special finance mortgage into account to get financed faster.

Check here for more information about cheap car finance

Source: http://populusnigra.net/?p=168

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Sugar Land and Fort Bend Magazine, Lifestyles & Homes ? Book Reviews!

WHAT PLANT WHEN

What Plant When is a compact book from DK Publishing and the American Horticultural Society It is the perfect guide to choosing beautiful plants that will give seasonal interest and color to a garden all year-round.

The book contains AHS-recommended varieties, seasonal tips, cultivation advice for every plant and tools to bring color to the garden.

_________________________________________________________________________________

TRASH-TO-TREASURE PAPERMAKING

Arnold Grummer?s book, Trash-to-Treasure Papermaking, is the ultimate guide for crafty recyclers. Transform junk mail, newspapers, comic books, wrapping paper, food can labels and old phone books into beautiful handmade paper in just minutes. Arnold even includes instructions for more advanced techniques such as pulp casting, deckling, watermarking and more.

_________________________________________________________________________________

THE SOUTHWEST TABLE

Veteran cookbook author Dave DeWitt focuses on southwestern Texas, New Mexico and Arizona?those areas most influenced by Native American and northern Mexican cookery? as well as American imports and techniques.

In addition to more than 130 recipes, The Southwest Table includes a ?Pepper Primer? and a glossary of Southwestern cooking terms and ingredients, and a section describing the best Southwestern restaurants in each region.

_________________________________________________________________________________

WEBER?S TIME TO GRILL

The new Weber?s Time to Grill: Get In. Get Out. Get Grilling by New York Times best-selling cookbook author and 2010 James Beard Award nominee Jamie Purviance is for those who love to grill outdoors and might be running against the clock.

The 200-plus recipes are paired in two-page, mouth-watering spreads using a common set of easy-to-find supermarket ingredients. ?Easy? recipes are on the left with most prep times of 15 minutes or less; ?adventurous? recipes are on the right with prep times of 30 minutes.

_________________________________________________________________________________

LANDSCAPING WITH FRUITS AND VEGETABLES

Landscaping with Fruits and Vegetables is an indispensable guide for any novice or seasoned home gardener. Author Fred Hagy is a registered landscaping architect and member of The American Institute of Certified Planners.

The book provides pages of ideas for a beautifully designed and completely edible garden accompanied by vivid watercolor and ink illustrations by Clare McCanna. Readers will also find practical advice on drainage, irrigation, pest control and pollination requirements.

_________________________________________________________________________________

THE FLEECE & FIBER SOURCEBOOK

The Fleece & Fiber Sourcebook by Deborah Robson and Carol Ekarius is a visual guide to more than 200 breeds and the fibers they produce for knitting, spinning and weaving. This is the ultimate resource and browsing book for crafters and animal raisers, offering an unusual combination of information on the characteristics of each fiber-producing breed as well as the unique qualities of each fiber, its history, and its potential uses.

Source: http://fortbendlifestylesandhomes.com/?p=11317

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The Challenge of Death ? Caring for aging parents

The process of dying is one of the great stages of learning the human soul, often met with fear and resistance, but also in the presence of these, filled with the growth of the soul in its appreciation of its relationship with life.

There is no way to have experienced the death in order to produce the greatest amount of growth. For some, the sense of flow from one life to another aspect of the sensed intuitively, though not in the early stages of lifearticulated as spiritual beliefs about life after death. For others it is a well defined understanding of the continuity of experience and sometimes the lives, so also can cause pain or discomfort that may be present in the final stages of physical life, there is no fear. For others, there is a sense of confusion about the end of life ? a concern for the anticipation of non-existence. Often, the thought has been introduced to the death on the psyche of the past and understands theIdea that there is a kind of black-out of consciousness in which everything ends. And yet, even if it make sense for the mind, it is surprising that the heart can not understand how an idea.

Again and again, a man who tries to make sense of the experience of dying is considering the question of what happens next, whether they actively do it consciously or not. And "the main theme of the last phase of life for many, especially for those whowho is still no conclusion to that reached them leaves with a feeling of peace. Even in the presence of denial of 's approach, or angry that life has' dead abbreviation', or remain in the presence of the will, but life without a thought for the future ? even in the presence of each of these attitudes, the process to to try the foundation, is the concern with respect to the end of life address.

For those who have inherited a familyConfiguration in the care of elderly parents is part of a central aspect of life, it is very important to stay with the process of death in old age. And for those who simply love to those who are preparing to move from their physical existence, it is also important to know how to be associated with this phase of experience and life.

What is important to remember, and trust is that the process of learning and recording the meaning of death and life is going on, even if the care of a parent or loved one shows no signs that this is so. It is happening at the deepest level of consciousness or the soul, even if it outdoors or in a way, can be articulated, happened. The self is to recognize deeper into the light and truth, and though the outer self can not understand that there is an answer to the question "why?" ? For death, for life ? the inner being knows that there is.

For some, the process of> Death is the central experience of life, but it may seem from the outside. It may be that life fully lived with relationships, family, living in productive work and the experiences were rich and lived for many years, and at the end of life, that there are more limited and limiting activities. On such occasions, may seem to an observer and also the one who is very physically limited, that life lived more fully becausethe termination of physical activity. This is not the case. The move was just made ??or: A lifetime of living with a physically observable external events that can be selected, focusing on a less visible or invisible interior, which is about the question of life or death. What are the causes of ' fear or discomfort in those who have experienced this change is the difficulty of the limitation of physical activity and functioning of the aging and dying people. Whatwould alleviate this discomfort to a large extent, is the awareness that the dying process is successful, no matter what the external event that occurs on an active surface. Some things are easier to be handled by ideas from the mental aspect of understanding and articulation, and some things must be below the threshold of consciousness in one place, the mind and heart together in a synergy that try to be where they both make their way feel anew experiences and new understanding.

The positive support of those who have an older person faces surrounding the death of great importance in all situations, for what he can get transferred through this support can not love the ideas about death and the continuity of life, but the feelings connected these beliefs of hope, security, trust and peace. These feelings can be transmitted without words. Exists in the hearts and deep knowledge of theSoul, and so even without active discussions with members of these deepest feelings and attitudes are transmitted with the advantage.

Finally, each man as a soul by the transition from physical life in their own way and the experience is to have ready. The time can be a rich and also a joyous one for someone they have an extension of the possibilities of life, rather than a decrease in the real world knows of the existence of experience. For such aone has the prospect of dying get the feeling home to something familiar, if not known, and can be a place you visit, or go ahead with a sense of peace and a deep sense of homecoming will be.

For those who are not ready for this perception and preparation, it is often the experience of dying itself, mediated in the last moments of life, or at the time of the last breath, that the truth of the continuity of life departing soul.These moments are passing all their experience, and no matter what led to it, is the soul of the situation, a series of profound awakening and new learning at the completion of death 's. For this reason it is important to welcome the shift from physical life as a journey with many parts, and know that the last part, the moment the soul is exhaled from the body, the last breath of physical life, but the real one first We know that the souldie but live, and of course, life continues.

Source: http://family-death-dying.chailit.com/the-challenge-of-death-caring-for-aging-parents-4.html

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Top 12 Workplace Pet Peeves | Business Communication Headline News

? Six Keys to Writing Excellence | Main

July 25, 2011 Little did I know what a chord I would strike with Top 10 Etiquette Blunders...You must login or register before you view this content. No Comments ?

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Source: http://bchn.businesscommunicationnetwork.com/2011/07/25/top-12-workplace-pet-peeves/

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3M Broadens its Home Improvement Products Offering in Europe ...

3M announced Friday that it has entered into an agreement to acquire the do-it-yourself and professional business of GPI Group. GPI is a manufacturer and marketer of home improvement products such as tapes, hooks, insulation and floor protection products and accessories headquartered in France. Terms of the transaction were not disclosed.

GPI offers a wide array of products and solutions sold under such well-known brands as GPI, Plasto and Dinac, which address multiple do-it-yourself (DIY) needs of consumers in France and other European markets. The addition of GPI?s products will expand 3M?s product portfolio in core and complementary categories in the construction and home improvement markets.

Laurie A. Altman, vice president and general manager, 3M Construction and Home Improvement Markets, said the acquisition will help the company build on its existing product platforms and accelerate its expansion and participation in home improvement channels globally.

Bernard Cicut, managing director, 3M France, said GPI and 3M are a natural fit. Together with GPI, the companies will be in a unique position to better serve their customers in France and in Europe, said Cicut.

3M?s construction and home improvement products serve a wide variety of household purposes. The business provides its well-known brands ScotchBlue? painter?s tapes; Filtrete? air and water residential filtration products; 3M? Command? adhesive hooks, hangers and clips as well as packaged and bulk sandpaper; anti-slip products; electrical connectors; safety products; energy saving window insulator kits for indoor and outdoor use; retail automotive products; and wood refinishing products.

GPI employs approximately 450 people, and has sales in France and Western Europe. The transaction is expected to close in the fourth quarter, subject to customary closing conditions, including regulatory approvals.

Gergonne Group was founded in 1962 and is based in Oyonnax, France. It has two main businesses: one is the industrial business; the second is the do-it-yourself and professional business.

The transaction is related to the entire do-it-yourself and professional business (adhesive tapes, insulation products, door stops, hooks, etc.) of the Gergonne Group and includes three of its subsidiaries, GPI SAS (adhesive tapes, hooks and insulation products), Plasto Adh?sifs SAS (adhesive tapes and insulation products) and Dinac SAS (floor protection products and accessories).

The transaction does not include the industrial business, which remains the property of the Gergonne family.

With $27 billion in sales, 3M employs about 80,000 people worldwide and has operations in more than 65 countries.

Source: http://www.investineu.com/blog/2011/07/3m-broadens-its-home-improvement-products-offering-in-europe/

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Learning Online Affiliate Marketing ? How to ... - Affiliate Revenue

Super On the web Affiliate Promoting entrepreneurs are the men and women who use the intelligent Online Affiliate Advertising strategies to drive quality traffic to their affiliate internet site. They are willing to put their effort and time to construct, run and grow their On the web Affiliate Marketing and advertising enterprise in the long term.

1. Create content-wealthy internet site. In fact, the On the web Affiliate Promoting enterprise is content-driven company on the world wide web. The very first step to turn out to be a super On the web Affiliate Marketing entrepreneur is to create your own content-rich site. With the high good quality content website, you are building, running and growing your success Online Affiliate Advertising enterprise in the lengthy term.

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three. Capture visitors? personal data. There is no doubt that the reason why you have to capture those visitors? individual details is to create the relationship with them. The much better relationship with those visitors you have, the a lot more opportunities to earn a lot more funds on the world wide web you get.

4. Sell other relevancy affiliate items. One more effective On the internet Affiliate Marketing and advertising method, which most success super On-line Affiliate Marketing and advertising entrepreneurs do, is to sell other relevancy affiliate items to their consumers. With the fantastic relationship and appropriate other related affiliate goods, you will increase your sales and affiliate commission.

five. Run several On-line Affiliate Promoting techniques to drive high quality visitors to site at a time. Most success super On-line Affiliate Advertising entrepreneurs are constantly looking for how to drive good quality visitors to their site. You have to do the same factor. You have to run several On-line Affiliate Advertising methods to drive relevancy and top quality traffic to the internet site. The far more correct techniques you have, the far more opportunities to earn much more money you get!

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a third paragraph is a great place to describe what you have to ...

How to Write Cover Letters with the Best Word Combinations ? Careers ? Resumes
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You can make profitable connections with employers using resume cover letters. This is your chance to create a personal relationship and sell yourself. From the initial words to the close your cover letter has to ? ?>HomeSubmit ArticlesAuthor GuidelinesPublisher GuidelinesContent FeedsRSS FeedsFAQContact UsUse and distribution of this article is subject to our Publisher Guidelineswhereby the original author?s information and copyright must be included. How to Write Cover Letters with the Best Word Combinations ?? by Holly Wrightin Careers / Resumes ?? (submitted 2010-12-05)You can make profitable connections with employers using resume cover letters. This is your chance to create a personal relationship and sell yourself. From the initial words to the close your cover letter has to be selling. This is the real magic of cover letters. Some principles practiced in the business of marketing can be the difference in getting an interview. The first important words of a cover letter are a first and last name. Your cover letter should be addressed to a certain person. Look for a name in the job posting. If no one is listed you can review their website for a name or call the business. Many businesses are only glad to help you. Create your introductory paragraph to be exciting and instructive. Say you were thrilled to see they have an opening and how you found out about this. Using words like thrilled nike shox women running shoe, pleased, elated, and excited demonstrate enthusiasm and insinuate a positive attitude. Include the title of the position and where you saw the ad or how you found out they have an opening. Let them know what file type your resume is. Your subsequent paragraph needs to get the employer to envision you. You want to show them that you are the most desirable candidate. You can let them know you fit the bill by telling a brief story about your most relevant skills and how they have helped your prior bosses. Do this with a short paragraph of no more than ten sentences. Use words for your skills and action words in your story such as achieved, realized, accomplished jordan heels for women, and results. If the employer has included desired skills in their job posting, a third paragraph is a great place to describe what you have to offer. Match these words www.cheapvibram5fingersshoes.net! Let them know about any additional skills that are relevant to the position. These supplementary skills can be just as important as the basic ones required to do the job. Your ending paragraph is the place for words that form a call to action that will cause the recipient to contact you. Here are some proven tactics: Limit your availability. This can put you more in demand. Anyone that is available all the time seems less desirable. Use the word call or contact me. These are action words that tell the reader what to do next. Follow up letters are critical to your job hunt. Your chances of getting an interview increase with follow up letters. Employers love persistent candidates. There is a fine line between persistence and stalking however. Following up once a week unless you are told not to, is acceptable and advisable. Every letter must have a different reason and those do not include asking if the position is still open or if you are being considered. See what more you need to know about how to write cover letters and follow up letters.
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What And How ? Eliminating your addiction with self-help tapes

[unable to retrieve full-text content]Self improvement tapes help you to achieve your goal of quitting by detailed instructions. Full audio support can m&#9.

Source: http://achotisback.com/eliminating-your-addiction-with-self-help-tapes/

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Federal Financial debt Relief Laws ? Comprehending the New FTC ...

It is a fact that the debt settlement marketplace has earned a undesirable reputation in the sector due to the fact there ended up countless fraudulent businesses operating formerly that utilised to offer the finest relief products and services to debtors. With this alluring motto, they utilised to appeal to countless buyers. These rip-off businesses cheated the consumers and ran away with their money and built them endure even much more. These businesses utilised to cost substantial upfront fees from their clientele and then just after sometime, they reported to the consumers that the procedure of their settlement did not go well due to the fact the collectors did not concur.

After some time, when the authorities acquired the specifics about the fake acts of these rip-off businesses, it took these fraudulent businesses out of enterprise and declared them defaulters. Then the FTC laid down new debt settlement laws which ended up verified fairly helpful for the consumers. These laws stated that the settlement firms will not cost any sort of upfront fees or any fees from their customer except if and until eventually they settle their debts. After they clear up the challenge then the businesses would be paid and if they fail to resolve debt problems then there is no need to spend them.

The Obama authorities just after the approval of the US congress has allotted 787 billion bucks in authorities paying. The stimulas was sold as intended to provide debt elimination loans and debt settlement loans to those in need. This paying in the form of tax credits, grants, contracts and loans is extensively noticed as the national debt relief stimulus system. The authorities options to devote the sum of 787 billion bucks in excess of a period of ten decades to stabilize the ailing economy. A serious chunk of the money are allotted to be spent in the first three decades. Tax advantages to organizations are aimed at saving them from bankruptcy and in the procedure aiding the general population retain work opportunities.

More than 200 billion bucks price of authorities contracts in infrastructure have been put up for bid to produce new work opportunities and assist customer paying. Part of the stimulas allowed for debt consolidation loans to reduce your debts. Below this stimulus bundle the authorities is also providing in excess of 250 billion bucks in tax advantages. The tax credit score plan released by the administration will also enable the citizens to consider dwelling much more money to spend off their debts and maximize paying.

When borrowing money it is usually due to the fact we absence the income to make a massive purchase, such as for a automotive, dwelling or training. Nevertheless, an vital query to consult yourself when borrowing is if the purchase you would like to make is generating beneficial debt or undesirable debt.

Fantastic debt is viewed as borrowing for a little something that will go up in value in excess of time. For illustration, real estate, a enterprise or for training purposes. Education loans can be viewed as beneficial debt due to the fact it ought to maximize your money.

The first procedure that is readily available to you is Credit Counseling this is where by you sit down with a credit score counselor and speaking about your debts. The counselor will then go to your debtors and try out to negotiate the volume that you have to spend down and make it much more economical for you to get as a result of.

The 2nd procedure is Financial debt Consolidation with this procedure you will be out of debt quicker but it does affect your credit score rating. You merely consider out a consolidation loan and spend all of your debtors off and just spend the one volume. This on the other hand arrives with a downside there is a black mark on your credit score rating. This can last the duration of the loan in addition 5 decades. While this can be the quicker of the two procedures to get debt relief, and take away the black mark from your credit score rating.

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Source: http://www.mlmnetworkingpro.com/federal-financial-debt-relief-laws-comprehending-the-new-ftc-financial-debt-settlement-laws/

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