Thursday, March 31, 2016

Finding reliable accounting software

Those of us who own and operate a business know that far more goes into it than just marketing and selling products. There is an entire behind-the-scenes operation that enables the business to run smoothly, including the payment of vendors and employees, and other bookkeeping requirements. To this end, quality accounting software can be enormously helpful in maintaining organized books.


Depending on your needs - largely the size and type of business that you run - the accounting software will differ. There is accounting software designed exclusively for smaller businesses, as well as software that lends itself to larger corporations. Additionally, accounting software is often specific to the exact industry in which you run your business. This can be incredibly helpful, as it will offer features that speak directly to your particular situation. But, ultimately, no matter what you choose, the accounting software that you work with should be compatible with your computer network and comfortable for you to operate.


You can find accounting software in a variety of locations including large retail stores and computer supply stores. The Internet is also a comprehensive resource for finding the accounting software best suited to your needs. You will find a large fluctuation in price depending upon the different features the accounting software offers.


The most important thing to remember when selecting your accounting software is that reputation counts. Software of this kind is an investment in your business, and you should expect to see a return in that investment in the form of more convenient and organized bookkeeping. Speak with other entrepreneurs in your industry to determine if they've had success with any one particular accounting software. You'll find that the more popular accounting software often provides more bang for its buck.


Regardless of what accounting software you choose, the result should be the same; it should offer you a level of professionalism and convenience that you have been looking to achieve. Further, it should help you gain a better understanding of your financial situation.


Different types of pregnancy tests

If you believe yourself to be pregnant and are interested in using a test to determine the results factually, know that the tests sold over the counter that use urine to detect the pregnancy hormone are incredibly effective. Unlike in days gone by when the only reliable way to determine whether you are indeed pregnant was to visit your primary health care provider’s office, these home tests allow you to determine whether or not you need to see a provider. Keep in mind that if you test positive for any type of home pregnancy test, you should be sure to immediately schedule an appointment with your primary health care provider. This is essential due to complications like an ectopic tubal pregnancies, where the egg lodges in the Fallopian tube and can cause a great deal of pain and medical issues if left untreated. A test will still determine that you are pregnant, although the pregnancy may not be normal or necessarily healthy.


There are two main types of pregnancy tests, those that use urine and those that use blood. Both tests are designed to detect the hormone known as human chorionic gonadotropin. Commonly known as hCG, this hormone is produced when the placenta begins to develop once the embryo successfully attaches to the uterine lining. Although blood tests tend to have less false readings, the presence of this hCG hormone can easily be found in a urine based test. Generally, doctors will perform a blood test in order to determine whether or not you are pregnant. In addition to testing for the presence of hCG, a doctor may wish to run another panel to determine your overall health and levels of vitamins or nutrients. This will provide your physician with a base line for which to prescribe prenatal vitamins and medications that will ensure both mother and child are kept healthy.


If you purchase a urine based pregnancy test, there are two main options available. The first option sees the woman urinating in a cup and then inserting a special stick into the cup for a given period of time. This test generally has more accurate results since the instructions are more likely to be followed. Usually, if you visit a clinic and they issues you a urine based test, this is the type of test that you will receive. However, the most popular method of pregnancy tests available over the counter are those that require the woman to hold a special stick in a stream of urine for a certain amount of time. These tests tend to be the most popular since there is less mess and clean up required in this method. There are even versions of this test that can detect the hCG pregnancy hormone almost immediately after the embryo has implanted in the uterine wall.


For those individuals who are far too anxious to receive the news than the necessary waiting period required for even the earliest versions of the urine tests, a blood test should be used. Blood tests can be administered up to seven days after a possible conception, so they are a favorite among couples that are experiencing infertility problems. Furthermore, a blood test can more accurately measure the level of hCG found in a woman’s body so that potential problems or complications with the pregnancy can be immediately identified. However, keep in mind that you must visit a doctor’s office in order to have a blood test to determine whether or not you are pregnant. This will often cause you to incur costs associated with the visit and the testing fees. If money is a concern, many women’s clinics provide pregnancy testing for a minimal cost.


Wednesday, March 30, 2016

Home refinancing - are you making the right decision

Owning a home is one of the most important decisions in anyone's life. Owning a house is also a big financial commitment on your part, so any financial decision involving your home should not be taken lightly. When the right moment presents itself, refinancing the home may be a good financial move. However, choosing the best home refinancing deal can be very confusing.


When choosing your home refinance package, you have to consider a number of points. You need to consider whether the time is right to apply for a home refinance loan. In most of the cases homeowners make the decision to refinance their homes just to lock in low interest rates. Even if the present interest rate is low, it may not be prudent to refinance the home in particular situations. Let us discuss about some of the factors that will help you to make the right decision regarding home refinancing.


Why And When To Consider Home Refinance


The main reason behind home refinancing is the monetary gain. Refinancing means locking in a lower interest rate, and lower interest rate loan in turn means your required monthly payments are lower. Thus you get extra cash in your pocket. There are some typical situations where homeowners may consider a home refinancing loan:


* When a homeowner finds that his current mortgage rate is more than 2 percentage points higher than the current interest rate for a similar loan amount and the person in question has no intention of leaving the house in the near future.


* The homeowner had enough foresight to go for an Adjustable Rate Mortgage (ARM) and now wants to switch to a fixed rate loan to lock in lower rates for the long term. With refinancing, he is expected to get a better ARM with a lower interest rate and naturally more favorable repayment terms.


* When the homeowner wants a shorter loan period so that he can become the complete owner of the home more quickly.


* When the homeowner wants to utilize the equity value accumulated on his property.


If you are considering a home refinance because of any of the above-mentioned reasons, you should take the following points into consideration before selecting a lending company:


* Try to remember whether your current mortgage loan is going through a prepayment penalty. If yes, the new loan will not offer any extraordinary financial gain.


* Never trust those lenders who refuse to provide you with the detailed information on application and closing costs. They tend to impose hidden fees that can rip you off of the savings gained from refinancing in the long run.


* When you decide on a certain loan product, try to lock in the rate for at least 60 days. But if you sense that the loan is going to turn out to be bad at closing you have the right to reject it within three business days.


Using essential oils successfully with the herpes virus - a personal account

Aromatherapy Oils and the Herpes Virus - One Person's Success Story


The Herpes Simplex virus (or HSV) is a difficult disease. It is widely known as incurable, with painful skin lesions on sensitive areas of the body. The lesions reccur more often for some people than others - their 'outbreaks' tend to be related to periods of high-stress. Modern medicine does not offer a cure, though there are pharmaceutical preparations available to limit the frequency and duration of HSV outbreaks. With a reputation as 'incurable', 'painful', 'not-so-pretty', and varieties described as 'oral and labial' or 'genital', the disease can be a little challenging and embarrasing to say the least.


Well, I've been through this. I've had the painful lesions, had to deal with the regular outbreaks of painful cold-sores in my mouth and on my lips (I was blessed with the 'oral' variety). I've been through those great internal debates on how to break the news to a partner (thankfully always returning that look that says something like 'Oh! I thought you were going to tell me my cat just died...that's no big deal'). Though it still seemed like a big deal. Regularly having those few days of feeling like a flu was coming on, followed by a few days of outbreak - at what always seemed like the worst of times. On top of it, being an athlete, training really hard tended to cause outbreaks as well - weightlifting in particular. Maybe it was just really strenuous, or maybe I wasn't actually a 'weightlifter' - but that heavy lifting would almost always lead, once again, to an outbreak.


I freqently wondered in the midst of these bouts with HSV if this was something I'd have to deal with for the rest of my life - I tried doctor prescribed medicines, Lysine and other remedies, but none kept the virus at bay enough to really make a difference.


Then someone introduced me to essential oils, and I learned a little about their studied antiviral activity. I stumbled onto research performed with a certain oil known as Melissa. Melissa essential oil is distilled from Melissa herb, a plant with a long history in natural medicine. The plant yields a relatively small amount of oil compared to other aromatic varieties, so it's cost seems a little high. But formal investigation has been being going on in Europe for many years applying the oil to herpes lesions, with very promising results. One company has even extracted a component of the oil and sold it in a prescription form (though I have not read of any evidence showing the extract works better than the oil itself).


The most encouraging statement regarding the use of Melissa on herpes was made by Dr. Dietrich Wabner, a professor at the University of Munich: he stated that a single application of Melissa may lead to a complete remission of the disease. A possible cure! I'd figured I had nothing to lose, so I tried a little bottle of the oil.


Searching further, I found a regimine for the oils' use. Melissa might not lead to a complete remission in just one application - other healers were finding success when the oil was applied to the affected area when an outbreak felt 'imminent'. The oil was applied perhaps three times per day during the outbreak; this was repeated the next several times the user thought an outbreak may be coming on, and through the duration of the skin healing. My outbreaks were usually on my tongue at that point (though they started on the palate of my mouth). I would get a very fatigued feeling for a few days, then my tongue would get what seemed like individual taste buds that would feel as though they were burnt (and yes, I have had medical confirmation as to their cause). I also had lesions on my lip, but not as often. So I began the Melissa oil program - just one drop in my mouth a few times a day - and thankfully I actually liked the taste!


Well, perhaps the single dose worked for some folks, but I wasn't quite so fortunate - though I was certainly not discouraged. The history of Melissa and it's healing powers was renoun, and I kept up with the program. Despite continuing to have outbreaks, they were shorter, and they seemed to occur less frequently. And after a while, it dawned on me - the outbreaks had stopped completely! And believe me, my life has been no less stressful - more so if anything. Also, while outbreaks do tend to happen less freqently for some over time, I had been living with this for 15 years and they were still fairly regular. But no matter how stressful my days were, how heavy my weight training sessions or other athletic endeavors, the outbreaks have not returned!


For individuals who may have more sensitive skin than I, or have outbreaks in more sensitive places, Melissa essential oil can be diluted in a vegetable or nut oil (Hazelnut oil or Rosehipseed are commonly used) to 1/10th or even less of the total volume and be just as effective (some say that even 1% will work). It is important to note - and repeated many times in the literature - that taking any essential oil orally, or appliying undiluted to the skin, should be done with extreme caution - whatch your own reaction closely and proceed accordingly. I do not have experience with application to the genital variety of Herpes simplex, but the texts do not make a distinction - this may be where a carrier oil could come in handy. But whatever way it's used, the system should be followed closely: apply Melissa 2-3 times a day to the affected area when an outbreak is on the way, and use it until the sores have healed completely. Follow this method for the next several outbreaks; there are no guarantees, but this may work for you or someone you may know - and what a wonderful thing it can be!


For sufferer's of Shingles, another Herpes virus variety causing lesions of the skin, Ravensara (Ravensara aromatica, or 'True' Ravensara) oil has been used. Individuals have found relief using Ravensara in a 50-50 blend with Tamanu Nut oil. The Tamanu Nut sooths the skin during the healing process and keeps the Ravensara in contact with the sores. I have not heard of this offering a complete cure, but I have heard of this blend really helping relieve discomfort of this condition.


So if you choose to use aromatherapy oils like Melissa or Ravensara yourself (or to a recommendation), find a trusted source for the essential oils. Find 'true' varieties of each - Melissa is often adulterated, and the real thing is generally priced between $10 and $20 per milliliter (about 25 drops, which actually goes a long way); Ravensara should be of the 'Ravensara aromatica' variety. Be conservative with direct application - remember that diluting the oil has not been reported to reduce efficacy. Yes, I liked the Melissa oil straight, and never had a problem - but others I've known have had sensitive reactions - though this may have been related to UV exposure. Be good to yourself and listen to your body - may you achieve healing success!


Tuesday, March 29, 2016

Healthcare in spain

Becoming ill in a foreign country is a concern for everyone, especially if you cannot understand the health system or speak the language. Although, we generally take good health for granted, we need to be prepared for any unexpected health related eventuality.


Anyone who has had the misfortune of falling seriously ill in Spain will agree that medical facilities in Spain are of a very high standard. Clinics and hospitals are very clean and Spanish doctors tend to be very thorough.


Of course, the availability of services does vary from locality to locality and you may need to travel to a neighbouring town or city for treatment.


In an emergency look for the urgencias (emergency) section of the nearest hospital. Before you have established yourself, for less urgent problems, it would be advisable to go to a private clinic to avoid a long wait.


For tourists and non-residents, form EHIC (European Health Insurance Cover) has replaced the old E111. The form E111 is no longer valid. You can apply online at dh. gov. uk/travellers. Have a photocopy of your EHIC ready to show the doctor the original and hand in the copy. You will find lots of information on health for travellers on the site mentioned above.


Farmacias (Chemists) in Spain are also excellent as a first port of call as they are very informative and you can usually buy a lot more over the counter than you can in the UK Many people relocating to Spain are on a budget until they establish themselves. For them, the big question on their mind is:


Am I Entitled to Free Health Care?


Spain’s public health service is known as the Instituto Nacional de la Salud (INSALUD). If you make Spanish social security contributions via your employment or your business you and your family are entitled to the same free health care as a Spanish National. Once you register to pay Social Security, you will become a member of INSALUD. You will be provided with a social security card (tarjeta) and be assigned a doctor.


For more information on Social Security contact the Instituto Nacional de la Seguridad Social seg-social. es (there is a page available in English).


If you are an EU National and have made contributions to your home Social Security scheme for two years prior to your arrival in Spain, you may be entitled to public health cover in Spain for a limited period dating from your last payment at home. In order to qualify for this, you need to take Form E-106 (pick this up at your local Social Security branch) to the local provincial office of the Instituto Nacional de la Seguridad Social.


Pensioners and those on incapacity benefit should do as above but with form E-121.


The Flying Doctors - Helicopteros Sanitarios


Helicopteros Sanitarios is an invaluable service for those with a home on the Costa del Sol. It is a 24 hour call out service available to members only. Seniors and parents of young children really appreciate the service, with its team of fully trained doctors that efficiently perform house calls after your quick phone call to their Puerto Banus centre.


Helicopteros Sanitarios is excellent value for money and there are different schemes available. Cover for an entire family of four is around 250 Euros per annum with an unlimited number of callouts. For membership details call (+34) 952 897 347. I should point out that despite their name; they generally turn up in an ambulance as opposed to an aircraft!


Private Health Care


Bupa’s Spanish division Sanitas offers the highest quality of health care options. They even have a unique health plan for expatriates living in Spain.


From as little as 27 Euros per month for the classic plan and 48 Euros for the complete plan you can have the peace of mind that should you need medical assistance, you will receive the best of care.


Those of you who have visited the Costa del Sol recently will have noticed the impressive new hospital building ‘Hospiten’ whilst driving along the N-340 in Estepona. All members of Sanitas can receive medical treatment in this spanking new, modern hospital.


Monday, March 28, 2016

What is anorexia

Self induced emotional eating disorder characterized by persistent loss of appetite is called anorexia. Excessive consciousness toward weight loss, counting calories and excessive exercises can lead to a severe emotional eating disorder called anorexia.


Some diagnosing signs and symptoms of anorexia are:


- Excessive consideration to become thinner and thinner.


- Misperception of body shape and weight.


- Fear of body weight gain and fat.


Persons suffering from anorexia do not feel the danger of denying food. Calories, food, weight, fat grams and weight management are the most important factors of a person’s life with anorexia.


What are the signs and symptoms of anorexia?


People who have anorexia love to live in secrecy so that no one can know about their condition. In this situation, it is very hard for doctors to properly diagnose them and treat them. Some of the common symptoms of anorexia are:


•Dramatic weight loss.


•Excessive consciousness about figure and body image.


•Regular skipping of meals.


•Mostly eat selective foods, which are low in fat and calories.


•Good cook but try to avoid meal.


•Usually wear loose clothes to hide thinness.


•Strong exercise regimen.


•Skip social gatherings, especially dinner or lunch parties.


•In males decreased libido and in females irregular menstrual periods.


What are the types of anorexia?


Basically there are two types of anorexia.


Restricting Anorexia (Classic Anorexia) - Person with restricting anorexia eats very little and loses weight due to excessive exercise and self or induced starvation. They possess less calories to perform body functions.


Purging Anorexia or Binge-Eating – Person with binge eating will perform self induced vomiting, diuretics, enemas and misuse of laxatives. Person shows signs of both bulimia and anorexia. More than 50% of the persons having anorexia might also get into bulimia.


What are the effects of anorexia?


Physical effects of anorexia


Some of the physical effects of anorexia are:


•Decreased immunity


•Hair loss


•Less resistance for heat


•Sleeplessness


•Chronic dehydration, which can even cause kidney failure


•Weakness and Fatigue


In some rare cases you will notice the symptoms of low heart rate, low body temperature, heart trouble, low blood pressure, poor circulation, chronic anemia and even death.


Behavioral and Emotional effects of anorexia


During anorexia the following emotional and behavioral effects can occur:


•Depression


•Irritability


•Bad memory and difficulty in concentrating


•Isolation from friends and family


•Emotional regression


•Feelings of guilt


•In some severe cases one can search a solution in the form of alcohol and drugs to handle negative outlook


Anorexia nervosa is a disease that one has to take very seriously. Often the symptoms show and become obvious for parents and doctors too late. This makes the treatment harder and in the worst case treatment will not work.


Can your flight be legally overbooked

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Overbooking is not illegal, and most airlines overbook their scheduled flights to a certain extent in order to compensate for "no-shows." Passengers are sometimes left behind or "bumped" as a result. When an over-sale occurs, the Department of Transportation (DOT) requires airlines to ask people who aren't in a hurry to give up their seats voluntarily, in exchange for compensation. Those passengers bumped against their will are, with a few exceptions, entitled to compensation.

Voluntary bumping

Almost any group of airline passengers includes some people with urgent travel needs and others who may be more concerned about the cost of their tickets than about getting to their destination on time. Our rules require airlines to seek out people who are willing
to give up their seats for some compensation before bumping anyone in - voluntarily.

Here's how this works. At the check-in or boarding area, airline employees will look for volunteers when it appears that the flight has been oversold. If you're not in a rush to arrive at your next destination, you can give your reservation back to the airline in exchange for compensation and a later flight.

But before you do this, you may want to get answers to these important questions:

* When is the next flight on which the airline can confirm your seat? The alternate flight may be just as acceptable to you. On the other hand, if they offer to put you on standby on another flight that's full, you could be stranded.

* Will the airline provide other amenities such as free meals, a hotel room, phone calls, or ground transportation? If not, you might have to spend the money they offer you on food or lodging while you wait for the next flight.

DOT has not said how much the airline has to give volunteers. This means carriers may negotiate with their passengers for a mutually acceptable amount of money-or maybe a free trip or other benefits. Airlines give employees guidelines for bargaining with passengers, and they may select those volunteers willing to sell back their reservations for the lowest price.

If the airline offers you a free ticket, ask about restrictions. How long is the ticket good for? Is it "blacked out" during holiday periods when you might want to use it? Can it be used for international flights? Most importantly, can you make a reservation, and if so, how far before departure are you permitted to make it?

Involuntary bumping

DOT requires each airline to give all passengers who are bumped involuntarily a written statement describing their rights and explaining how the carrier decides who gets on an oversold flight and who doesn't. Those travelers who don't get to fly are frequently entitled to an on-the-spot payment of denied boarding compensation. The amount depends on the price of their ticket and the length of the delay:

* If you are bumped involuntarily and the airline arranges substitute transportation that is scheduled to get you to your final destination (including later connections) within one hour of your original scheduled arrival time, there is no compensation.

If the airline arranges substitute transportation that is scheduled to arrive at your destination between one and two hours after your original arrival time (between one and four hours on international flights), the airline must pay you an amount equal to your one-way fare to your final destination, with a $200 maximum.

* If the substitute transportation is scheduled to get you to your destination more than two hours later (four hours internationally), or if the airline does not make any substitute travel arrangements for you, the compensation doubles (200% of your fare, $400 maximum).

* You always get to keep your original ticket and use it on another flight. If you choose to make your own arrangements, you can request an "involuntary refund" for the ticket for the flight you were bumped from. The denied boarding compensation is essentially a payment for your inconvenience.

Like all rules, however, there are a few conditions and exceptions:

* To be eligible for compensation, you must have a confirmed reservation. An "OK" in the Status box of your ticket qualifies you in this regard even if the airline can't find your reservation in the computer, as long as you didn't cancel your reservation or miss a reconfirmation deadline.

* You must meet the airline's deadline for buying your ticket. Discount tickets must usually be purchased within a certain number of days after the reservation was made. Other tickets normally have to be picked up no later than 30 minutes before the flight.

In addition to the ticketing deadline, each airline has a check-in deadline, which is the amount of time before scheduled departure that you must present yourself to the airline at the airport. For domestic flights most carriers have a deadline of 10 minutes before scheduled departure, but some can be an hour or longer. (Many airlines require passengers with advance seat assignments to check in 30 minutes before scheduled departure, even if they already have advance boarding passes. If you miss this deadline you may lose the specific seats you were promised, although not the reservation itself.)

Check-in deadlines on international flights can be as much as three hours before scheduled departure time, due partially to security procedures. Some airlines may simply require you to be at the ticket/baggage counter by this time; most, however, require that you get all the way to the boarding area. If you miss the ticketing or check-in deadline, you may have lost your reservation and your right to compensation if the flight is oversold.

* As noted above, no compensation is due if the airline arranges substitute transportation which is scheduled to arrive at your destination within one hour of your originally scheduled arrival time.

* If the airline must substitute a smaller plane for the one it originally planned to use, the carrier isn't required to pay people who are bumped as a result.

* The rules do not apply to charter flights, or to scheduled flights operated with planes that hold 60 or fewer passengers. They don't apply to international flights inbound to the United States, although some airlines on these routes may follow them voluntarily. Also, if you are flying between two foreign cities-from Paris to Rome, for example-these rules will not apply. The European Community has a rule on bumpings that occur in an EC country; ask the airline for details, or contact DOT.

The most effective way to reduce the risk of being bumped is to get to the airport early. On oversold flights the last passengers to check in are usually the first to be bumped, even if they have met the check-in deadline. Allow extra time; assume that the airport access road is backed up, the parking lot is full, and there is a long line at the check-in counter.

However, if you arrive so early that your airline has another flight to your destination leaving before the one that you are booked on, either switch to the earlier flight or don't check your bag until after the first flight leaves. If you check your bag right away, it might get put on the earlier flight and remain unattended at your destination airport for hours.

Airlines may offer free transportation on future flights in place of a check for denied boarding compensation. However, if you are bumped involuntarily you have the right to insist on a check if that is your preference. Once you cash the check, or accept the free flight, you will probably lose the right to demand more money from the airline later on.

However, if being bumped costs you more money than the airline will pay you at the airport, you can try to negotiate a higher settlement with their complaint department. If this doesn't work, you usually have 30 days from the date on the check to decide if you want to accept the amount of the check.

You are always free to decline the check and take the airline to court to try to obtain more compensation. The government's denied boarding regulation spells out the airlines' minimum obligation to people they bump involuntarily. Finally, don't be a "no-show." If you are holding confirmed reservations you don't plan to use, notify the airline. If you don't, they will cancel all onward or return reservations on your trip.

Chicago schools debate merits of small schools

Chicago public schools have been going through a transformation designed to take the district’s mammoth high schools and turn them into more intimate, student-focused environments. Educators and administrators seem to love the concept. And deep-pocketed philanthropists think it’s a great idea too. Various groups like the Bill & Melinda Gates Foundation and the Carnegie Corporation have invested $26 million to the small schools concept.


For urban areas like the Chicago Schools, there’s a lot of research to support the idea that teen learners do better in an environment where people know them and have regular contact with them. So over 20 of the Chicago Schools have been transformed to high schools that house 500 students or less. Elementary schools have a limit of 350 students.


The recent controversy is because the 2006 state test results for Chicago Schools did not show the expected rise in test scores that everyone hoped to see. But there were a lot of positive effects. Teachers report that the small schools have a climate that is better for teaching and learning. Drop-out rates are lower and graduation rates are higher in Chicago Schools that have switched to the new model. But what about the test scores? If academics aren’t affected are the smaller schools working?


My answer is - definitely. The fact that school climates are changing is a really big deal. Failing students in Chicago Schools usually live in low-income areas and have a history of school failure. So getting them to come to school, and to graduate is an important first step. And even if those students graduate with low test scores or low grades, the high school diploma and the options it opens up can be life changing. And an improved climate at the Chicago Schools will have long-term affects as well.


One of the biggest benefits of small Chicago Schools is that it fosters relationships between teachers, students, and parents. This closer communication helps the attendance rates because smaller schools are more likely to alert parents of student absences. Smaller schools could the best thing that the Chicago Schools have done in years. That doesn’t mean it’s the total solution, but it’s a great start.


As for why Chicago Schools didn’t show improvements on the Prairie State Assessment Test, well it actually makes sense. Keeping the low-achieving-would-be drop-outs in schools probably lowers test scores overall. But that’s OK, because they are where they need to be and getting a better chance at life than they would as drop-outs. Lifetime income for Chicago Schools students rises incrementally when they have a diploma.


All students in Chicago Schools, and all children in the world, thrive when given attention and when they feel that someone cares about what happens to them. Smaller schools simply make sense. I hope that the Chicago Schools have the sense to keep them around.


Wednesday, March 23, 2016

Choose the best way to learn spanish fast

Planning a trip to Spain? Heading to the new South American branch for work? Learning a new language is always an advantage for a globe trotter or a savvy professional. Spanish is definitely helpful to know, because it is the second most common language in the world.


There are numerous foreign language teaching sources out there. A lot of them can be discouraging and tedious with too many drills on and rote memorization with grammar, pronunciation, vocabulary, and verb conjugations. These lengthy courses can take a lot of your time while you feel like you’re not making much progress.


If you do not want to go to these long, drawn-out classes that can bore rather than teach, one source you can try is the Internet. The Web is a horde of foreign language learning alternatives. You then have lots of options to learn Spanish fast. But, it can be tough to make the right choice.


Traditional learning methods such as books and classes taken at school can take longer than expected. Rote memorization of new words and phrases probably will not help you at all. Instead, look for options that work with your schedule, skill level, and learning goals. Do you want to become fully fluent in writing, reading, and speaking? Would you rather focus on improving your conversation, so you can comfortably travel around while you are abroad?


If you are looking for lessons that do not interfere too much with your schedule, portable courses such as those on CDs and cassettes are a great way to pick up words and phrases while you are going through your day. It is easy to learn Spanish fast when you are practicing words, phrases, and conversations while on the way to work, to the gym, or while doing errands at home. Using audio-based courses are also helpful for improving your pronunciation.


Another great way to quickly pick up the language is to concentrate on a learning process that teaches core vocabulary that are usually used every day by native speakers. Rather than press a student to memorize a large number of vocabulary that he or she may not use often, the student is encouraged to focus on common words and phrases that can readily be put to use.


Because language is primarily based on speech, you can learn Spanish fast by using courses that improve your conversation. At the very least, you can pick up helpful words and phrases you can use to get around while traveling. And then, if you want, you can try more detailed lessons on grammar, vocabulary, and writing.


Pimsleur-language. com uses research-based techniques to teach languages through CDs and cassettes. The website offers learning programs at several levels to master communication within 30 days. Visit pimsleur-language. com to find out more on how to learn Spanish fast along with dozens of other languages offered on the site.


Tuesday, March 22, 2016

Online dating safety tips

There’s thrill, excitement, and nervousness when meeting someone you met over the Net for the first time. But, you must exercise caution when meeting someone you barely know.


Below are some tips to guide you safely when dating.


1. Make arrangements when meeting. Do not let the person pick you up from your house.


2. You should meet in places where there are many people or you can ask for help if your date gives you trouble. Public places such as malls or daytime parks are good places to begin with. If it is possible, you could go double or group date.


3. When you are eating in a restaurant or cafй, go Dutch. Pay half of the bill. In that way, you won’t feel obliged in returning the favor of treating your date if he or she gets to pay the whole bill.


4. If possible, avoid drinking alcohol while on a date. Alcohol could affect your judgment and lessen inhibitions. If you are drinking, keep the drink in your sight all the time. Do not get too drunk. You might not know what might happen later or remember what you have been doing.


5. If you have a car, use it. Make sure the gas tank is full.


6. Assuming that your date is safe just because he or she claims to be religious is wrong. For all you know, he or she may have a hidden side you still do not know.


7. Do not let any first-time date know where your house is. If you plan in seeing your date the second time, arrange for another date and assess from there if he or she should know where you live.


8. At night, avoid going to secluded, dark areas like parks or dimly lit places.


9. Listen to what your gut says. If there is something that does not feel right, then most likely, it is not. Leave immediately if you feel something isn’t quite right.


10. Tell someone whom you are with and where you will be going. You might also want to arrange a time schedule where someone could call you later and check up on you. You could also plan to meet some friends after the date.


11. Do not give your home contact number. If you really have to give contact information, give your mobile phone number.


12. Stay alert. Having good chemistry and fun the whole time does not mean you should let your guard down. Be sure you have a cell phone with you.


Online dating may be fun, but your safety should be your primary concern.


How do i get a home equity credit line of credit

A home equity credit line lets you use the equity in your home for personal use. It is a loan that lets you access your equity by writing checks on a home equity account. You can use as much or as little of the equity as you want.


How much equity do I have?


You have equity if your home is worth more than you owe on it. For example, if your home is worth $250,000 and you owe $150,000 on it, you have $100,000 in home equity.


What is the loan process?


To qualify, you must have equity in your home. Here’s what happens after you contact a lender:


The lender will send an appraiser to determine your home’s value.


The lender will determine the maximum loan amount based on the equity in your home.


You will sign a contract and a Deed of Trust will be recorded against your home. This means that if you don’t make the payments, your home can be sold.


What are the costs?


When you apply for a home equity line of credit, you pay many of the same fees you did with your original home mortgage. These fees can be very costly, especially if you end up borrowing little from your home equity line of credit. Loan charges vary from lender to lender and include fees for:


Appraisal


Recording


Title Report


Messenger Services


Credit Report


Document Notary


Document Preparation


Annual Charges


Interest rates


Most home equity credit lines have variable interest rates. Variable rates may offer lower monthly payments at first, but the payments do change and can be much higher.


Fixed interest rates require higher payments at the beginning than variable rates, but offer stable monthly payments over the life of the loan.


Things to consider


Your home will be used as collateral and a Deed of Trust will be recorded. This means that if you don’t pay back your loan, the lender can sell your home.


If you want the home equity credit line removed from your property title, you must first pay back the money you borrowed. The lender must then record a full reconveyance.


Payments on the equity line of credit will vary depending on the amount you use. The more you use, the higher your monthly payment.


If you sell your home, you must repay the credit line amount you have used.


There may be tax advantages when using a home equity line of credit. Check with your tax advisor for more information.


Other loan options


You can borrow money without using your home as collateral. Credit cards, unsecured loans and loans for a car or school tuition are also available. These loans do not put your home at risk if you are unable to make the payments.


3 Day right to cancel


You have three days to cancel the transaction for any reason. You must cancel in writing. However, the loan fees and charges will not be refunded.


How do I find a lender?


Banks, mortgage companies and credit unions are the most common lenders. Here are some tips for finding a lender:


Contact three or more lenders. Look for a loan with the lowest interest rate, points and fees.


Be sure the lender is licensed and in good standing.


Monday, March 21, 2016

Wedding gown pitfalls how to avoid making a costly mistake

There are many things that can go wrong when one is shopping for a wedding gown. Here are some guidelines that will come in handy as you're buying your wedding gown:


1. Set up a budget. Today, buying a wedding gown offers you a great deal of choices. Know your budget, and don’t try out such wedding gowns that are out of your budget as you will only let yourself down as well as adding a lot of pressure to your decision.


2. Decide on what style you want. The internet offers a lot of ideas as to the type of gown that you are envisioning. Take into account the location and the time of the ceremony. Make certain your gown correspond well with your other plans.


3. Start as early as possible. Once the wedding date is set, start on the search for your wedding gown.


4. Find and compare bridal salons.


5. Make appointments. Be sure to set up a meeting with the establishment that you are interested with and discuss with their designer your ideal wedding dress so she too, could have an idea what you are looking for. Listen too, to her suggestions.


6. Have your measurements taken. Don’t do the measurements yourself. Go to your bridal salon and let them take it for you. This will ensure precise measurements that will lead to a perfect fit.


7. Look at swatches. It is important that you know and feel the texture and the actual color of the fabric that will become your wedding gown. Swatches will be helpful in making your decision for a gown much easier.


8. Consider the rear view design of the gown. Your guests will be spending a lot of time looking at your back as the ceremony goes on. When looking through designs, take into account the gown design at the back that it should be as flattering as the front.


9. Bring a friend along. She can give you her honest opinion as to whether the style and design of your choice is perfect or alterations needs to be done; also how the dress looks like at different angles.


10. Consider comfort. You will be wearing the gown for at least eight hours, so it is important that the gown should feel comfortable. When trying it on, bend over, sit down, stand up, walk and dance to make sure that you can move with ease in your wedding gown.


11. Down payment. Usually, a fifty percent down payment is required as soon as you order your gown.


12. Ask for a receipt. Once you have decided on a gown and placed your down payment, then ask for a receipt indicating the amount of your down payment, the full description of the gown, delivery and due date.


13. Relax and enjoy. Allow the people at the bridal salon to pamper you in every way. Enjoy the thrill and theexcitement of shopping for your wedding gown and of the thought that you will soon be marrying the person that you love.


Be cautious of:


1. Anybody who would insist on shipping your wedding gown to you. You have very little remedy or none at all, should anything go wrong. The price that you will be paying for alterations may be more than the discount that was given to you when they sent you the gown.


2. Anybody that is suggesting that you should “do the footwork”. It is best that you shop somewhere else.


3. Anybody who would require a full payment for your gown before it’s done.


It is always safe that you buy or order your wedding gown at the same shop that you selected it. There are many full service bridal stores that will cater to all your needs and your satisfaction is guaranteed. Your wedding gown is very important. Don’t take chances.


Saturday, March 19, 2016

Online hotel bookings in the uk

Although it holds no official title, most people consider Manchester to be England’s second city. From its origins in the Lancashire textile boom of the 19th Century, it has grown into one of the country’s most cosmopolitan cities, and is well worth visiting for a break or weekend stay. Due to its situation, it also serves as a useful stopping-off point for visitors to Wales or Scotland who may wish to see some of the country as they travel. For all these reasons, it’s well worth investigating online hotel bookings for a short stay in Manchester.


One of Manchester’s premier attractions is its shopping, which is some of the best to be found anywhere outside London. Several high-end stores and boutiques have outlets here, and there are a number of large shopping centres that bring together some of the High Street’s biggest and best-known shops. A good place to start is the Trafford Centre, which features well-known names from French Connection, Hugo Boss to Space NK and Zara. Situated in the west of the city, it’s handy for the M60 motorway and has excellent public transport links. If you prefer to stay in the centre of Manchester, the Arndale shopping centre is sited right in the heart of the city, and features an equally impressive range of shopping.


Manchester is also well known for its vibrant cultural and music scene, and is particularly popular among young people. The city boasts some of Britain’s premier clubs, and there’s a thriving nightlife centred on areas like Duke Street. Manchester led the revival of British clubbing in the early 90’s and has produced bands such as the Happy Mondays, the Charlatans, and of course Oasis.


If you prefer to eat out, there is a wealth of options to suit every budget and palate. Manchester is particularly renowned for its Indian and Pakistani cuisine; until you’ve eaten in one of the over 50 restaurants or takeaways that make up Rusholme’s “curry mile,” you’ve not really had curry.


There are also plenty of well-to-do suburbs, places such as Knutsford and Wilmslow, or fashionable Didsbury, just a few miles outside the city centre. Transport throughout Manchester is cheap and efficient, and the city’s Metrolink system means that you can get to places like the G-Mex Centre and the MEN Arena quickly and easily. Add the network of buses and trains to the mix, and the result is a city that you don’t need a car to explore.


The city’s sporting heritage has always been a large part of its appeal. It’s home to the world-famous Manchester United, of course, but there’s much more to Manchester than Beckham and Best. Ever since the Commonwealth Games were held in the city in 2002, Manchester’s sporting facilities have been second to none. Of particular interest is the Velodrome, a state-of-the-art cycling facility that is widely regarded as one of the world’s finest – and fastest - tracks. The city also boasts some fine swimming pools and ancillary sporting facilities, as well as the 48,500-seater City of Manchester Stadium, built specially for the Commonwealth Games and now home to Manchester City football club.


If you’re looking for accommodations in Manchester, it pays to book ahead. The city’s hotels are generally of a high standard, but it can sometimes be difficult to get rooms without a booking, particularly in summer months, or on weekends when Manchester United are playing, as the city plays host to an influx of visitors from around the country, as well as from Ireland. Online hotel bookings can take a lot of the hassle and stress out of finding a room, and help you enjoy everything that Manchester has to offer.


Thursday, March 17, 2016

Kill your stuttering demons

Apparently one percent of British people suffer from the speech impediment called stuttering. Only people who stutter can ever really know how difficult life can become when you are unable to speak fluently in all situations.


This article looks into examples of what I call, the stuttering demons and options of how to eradicate them once and for all.


When I had a stutter, I used to be afraid of certain words beginning with certain letters. Words which began with "b" were especially hard to say. If somebody asked me where I lived, I would have a voice in my head, which is what I call my demons, which would tell me that I could not say the word "Birmingham". It would also advise to say "West Midlands" instead. This word substitution is something that I regularly did. I was not happy though and was desperate to stop this voice and believed if I could stop it, then I would be able to overcome this stuttering disablity once and for all.


I would see a potential job in the newspaper, the demons would tell me not to apply for it as the interview would be too difficult for me with the pressure of having to answer all of the questions which would be asked. I used to listen to these demons and therefore would not apply for these positions, I stayed in the same dead end job for six years.


When I was about sixteen I became drunk for the first time and the alcohol gave me a huge but somewhat false confidence boost. I now had no fear and the demons did not appear, I was also able to talk superbly. Now I am not saying that you should all be in a permanent drunken state, however this showed me not only was I able to talk well but that the stammer must not only be a physical impediment but also physcological.


There are many forms of stuttering help out there including tradional speech therapy, group speech courses, one to one speech courses and even hypnotherapy. I personally believe that the way to go is one to one speech courses as every person who has a stutter is an individual and has an individual stutter.


Using web banner adverting magazine ads ppc search engine marketing

Anybody who has a product to sell, an idea to promote or a service to offer relies on advertising to get the attention they require. There are so many forms of local advertising and internet advertising that finding the correct medium can sometimes be a daunting task these are some examples: web banner advertising,


PPC search engine


ppc search engine advertising is a paid assortment of announcements which appear on the first pages of results in ppc search engines (Google, Yahoo, Overture, etc.). They have recently become an important consideration when marketing a company’s, or small business web site . The times the advertisement appears depends on the keywords chosen by the website marketer, in addition to appearing as “text” rather than a graphic or banner. Therefore, such advertising at times is referred to as "textual".


Magazine Ads –


You can advertise on magazines and save up to 80% off the regular price. There is a company called Media Bids , which allow you to meet other marketers as well as to choose among different marketing packages available. The service is free. You only pay for an ad if you choose to make a purchase.


As you can see, these techniques can increase your exposure and help you get more clients. You can read about other effective marketing techniques from my free e-book


Banner advertising


The internet is now changing at an accelerated rate, it has made web banner advertising a popular and widespread form of advertising where practically all the websites have one or the other form of a advertising banner on it. Though it is thought that the effectiveness of banner advertising on the web has declined, there are many tips, which if followed, prove to make people rush to your website!


When you create a banner file make sure the banner ad uses only a small file. This is because a large. gif or. jpg file takes a few seconds to download, wherein the visitor may have either left the page or just scrolled down the page without seeing the banner. And if people don’t see your banner, they are sure not going to click on it! So make it a point to restrict your file size to below 10K or 15K;it may be difficult, but where there is a will, there is a way! Make it a point to have a call to action on your banner. This means having the words ‘click here’ or ‘sign up now’, where you guide the user to click on the banner. The main reason this has to be included is that people are so used to off-line advertising where people just see banners, without having to do anything. They are usually not aware that they have to click on the banner to find out more! So make it a point to have a call to action on your banner ad to improve the effectiveness of the banner.


Wednesday, March 16, 2016

Debt recovery solutions

Debt piled up can lead to a financial crisis. However, there are several solutions available to help you recover from debt. Securing a loan to consolidate your bills can create one low interest monthly payment. Debt management companies can also help you reduce your debt and interest rates. A credit counselor can also help you create personalized financial plans and strategies.


Reducing Rates And Payment Amounts


Consolidating your debts into one loan can help you to reduce your rates and payment amount. Home equity or personal loans have much lower rates than credit cards. With lower rates, you can pay off more of your balance. You can also choose to reduce your payment amount with a longer loan term, but be aware that you will pay more interest this way.


A loan will immediately benefit you financially, but you can improve your credit by closing paid off accounts. As you reduce your debt ratio, your credit rating will continue to improve.


Relying On Outside Help


Several companies specialize in helping you reduce your debt. Debt management companies handle your accounts for a small monthly fee. They also negotiate lower rates with your creditors. Using a debt management plan may temporarily freeze your credit, depending on your lenders. However, most plans can get you out of short term debt in less than five years.


Another option is to use a debt negotiation company. They will work with your creditors to lower your loan balances. This will have a long term affect on your credit, preventing you from qualifying with conventional lenders for at least two years.


Personalizing Your Debt Payment Plan


A credit counselor creates a confidential, personalized budget with you. They present debt payment strategies, which can include consolidation, debt management, or negotiation. Certified counselors can also help you plan for long term financial goals, such as retirement or home buying.


Everyday people are taking action to recover from financial difficulties. While no company can erase your past credit problems, they can help you build a solid future credit score. Eliminating debt frees you from the stress of bills and limits on your credit choices.


Tuesday, March 15, 2016

The karate belt rainbow what do the different colors really mean

You have probably already realized that martial artists use different colored belts to designate rank. Has it always been this way? Is there a specific order to the belt colors? What about all of these stripes that you keep seeing? What do the different colors really mean? Stand by for the answers to all your questions about colored belts.


Different colored belts used to designate rank are a relatively modern innovation created by Master Jigoro Kano, the founder of Judo back in the early 1900s. Master Kano felt that there should be a visual progression of the belts as a way to tell what level a practitioner was and also as a way to implement a specific hierarchy within each Judo club.


Before the invention of the colored belts there was simply a white belt and a black belt and nothing in between. It was not uncommon for a master’s disciple to study for years while wearing a white belt until one day out of the blue, the master awarded the student a black belt and that was that. The common myth of starting out with a white belt that gradually gets dirtier the longer you train and finally becomes black and then over a longer period of time fades again and becomes a murky grey, designating advanced rank is nothing more than that – a myth!


It is highly unlikely that anyone would wear the same belt for years on end through hours of intense training and lots of sweat and probably some blood from time to time. That belt must have been pretty stinky to say the least. The fact of the matter is that back in the old days a karate session was a private affair between the master and his student and there wasn’t even a need for a belt at all. The student would practice in comfortable pants and a bare top and that was it.


So what is the big deal with all of these colored belts?


Well it has been a gradual progression to our current situation. First no belts, then white and black, then the addition of brown, then green, then the other fillers of yellow, orange, blue, purple, red, and recently we have seen many other additions that are varying shades of all of the above colors with multiple stripes, achievement bands and patches, all for the purpose of encouraging students. Depending on which end of the traditional versus modern continuum that you place yourself on, you may laugh cynically at the belt rainbow or you may welcome modern innovation and a source of positive rewards and reinforcement.


Most people, including myself, lie somewhere in the middle. I believe colored belts are a good thing for today’s world, especially the children, but let’s keep it real and not get carried away and award 3rd degree gold belts with a green and purple stripe and a “focus” achievement patch just for showing up to class four times that month! If your club has more than ten different colored belts with multiple stripes and patches all within the same age group’s program then you’ve probably entered a “belt factory”.


It’s OK to have different belt systems for different programs, such as a kids 4 – 6 Tiny Tigers program, a kids 7 – 12 Junior program, and the real deal premier martial arts program for teens and adults but to cram about 20 different belts into a two or three year program is simply ridiculous and is quite frankly, mostly about the money.


It seems that nowadays we have more belt colors than ice cream flavors and consequently there are no real benchmarks that we can compare different belts to from one school to another. So don’t even try. Essentially the belt that you wear around your waist only means something to you and to the person who gave it to you. Usually you have to go and perform certain requirements in order to receive your belt, but the requirements differ so greatly from school to school that there is no universal standard.


This is another one of the reasons why you should do your research beforehand and check out the different martial arts schools in your area. Ask them about their programs, about their ranking systems, about their grading fees and about their style. Then decide whether what they offer is something that would benefit you or your child.


If you need more help with this or any other karate subject, please be sure to download my FREE Report “Beginners Guide to Karate”. You will find out how to download it at freekarateinformation. com/beginner. html


Good luck and best wishes on your journey in karate.


Monday, March 14, 2016

Jump in the technology bandwagon with refinance mortgage arizona

It’s funny how computer companies that were nonexistent a quarter of a century ago are now setting trends and milestones for older and supposedly more established companies. When Microsoft and America Online outsourced some of their services to India and the Philippines, other companies with services ranging from automotive to medical followed suit. When the software company Intuit started utilizing the vast Arizona deserts and plains, others started seeing the possibilities.


Make Yourself At Home


Since then, Arizona has been playing host to huge corporations, most notably America Online, American Express, and Intuit. The state’s high-tech sector experienced a massive growth in employment in software and computers, electronics, aerospace, telecommunications, and engineering. Even Wal-Mart has jumped into the bandwagon.


And it’s not stopping. With such a remarkable development, refinance mortgage Arizona has been increasingly utilized by residents new and old alike.


It’s The Gold Rush All Over Again


The phenomenon is strangely reminiscent of the gold rush of old when thousands of people all over the world flocked to this area of the continental United States to mine gold. This time, however, gold is in computer chips and it doesn’t look like it will be as ill-fated as the original gold rush, as is apparent from the patronage experienced by refinance mortgage Arizona.


Instead of a boom town, the state now has several. Housing projects are emerging all over the state like mushrooms in the rain with most of the properties obtained through refinance mortgage Arizona.


There’s Nothing Like Space To Set The Pace


So why Arizona? It can probably be attributed to the fact that of the state’s 118,000 square miles, only 15% is privately owned. The area is vast and is a veritable minefield of resources that can be used for sensitive high-tech projects, especially in software development, aerospace engineering, and telecommunications. Also, the vastness of the desert provides the perfect camouflage to safeguard top secret projects of a sensitive nature and keeps the risks confined in such a sparsely populated region.


Yes, Arizona is indeed still very much sparsely populated, even with all the housing projects brought about by refinance mortgage Arizona. Of course, safety is always a concern. However, refinance mortgage Arizona has made sure that housing is well away from the technology hub of the area. Besides, the space itself is the best safety that Mother Nature could provide, definitely something that Arizona isn’t in shortage of.


The Environmental Question


With all these technological giants settling all over Arizona, could the state’s many canyons, forests, and reservations be in danger? They might be, but as long as the companies do their part in preserving the environment, Arizona will come to no harm. That’s why companies like Intuit and American Express are setting examples by sponsoring regular clean up drives of the state’s many deserts and mesas. Thankfully, some of the other companies have since followed suit. After all, keeping Arizona as untouched and unharmed as possible is to everyone’s benefit. Why shouldn’t it be a priority?


Sunday, March 13, 2016

What is the long tail

The "long tail" is a term used to describe a type of marketing or business model that focuses on a string of "niche" products and services, rather than the top few hot products. The phrase "the long tail" was coined by writer Chris Anderson, who subsequently wrote a best-selling book by the same title. Anderson and his concepts have since become very prominent in the internet world, having an influence even on major search engines. The term "long tail" comes from the look of a graph charting the popularity and inventory of products and services. At one end of this graph appears a short spike where the sales of mega-products can be seen, while on the other end there is a "long tail" mapping less popular products, in other words those with low demand and sales. It is claimed that the future successful business model will be in following the "long tail," i. e., selling many less popular products and services, rather than chasing the megahits. The arguments of Anderson and others concerning the long tail include that, with large enough storage and distribution, these less popular products could do as well or better than the bestsellers in the long run.


One very successful company that is often cited as an example of the long tail is the online seller Amazon, best known as a bookseller but also a merchant of many thousands of other products. What we are really discussing is simply the "supermarket" or "superstore" business model, providing numerous small volume products rather than a few megahits. In reality, the long tail has always been around, but it hasn't been named as such. "Diversification" is one word that describes this type of marketing to a certain degree.


In this regard, in a surprising move that may mark the end of theater-release movies and that follows the "long tail" business model, in November 2006 superproducer George Lucas announced he would quit making such movies, instead turning to TV. Lucas said that for the same price of making a blockbuster hit like "Star Wars" he could create 50 or so two-hour movies for TV instead. This same sort of thinking is occurring in almost every significant field of business.


One thing that has made the long tail more feasible for all types of business is the internet. The internet and the type of technology it represents have had an enormous impact on traditional business models and popular mainstream media, such as the television, radio and music industries. This impact will continue to be felt for many years to come, and the term "the long tail" is likely to become permanently entered into the business vernacular, as more people base their businesses around it.


Understanding web design agency philosophies and methods

When selecting a web design agency, one thing you should consider is the process the agency uses to take your design from concept to reality. There are actually three different methods or approaches that an agency may follow. These include:


Software-oriented


Design-led


User centered


An agency that has a software-oriented approach will generally have a very strong technical background. As such, they view the process of web design as a project that is similar to developing new software. With a software-oriented web design agency, you can expect the developer to logically look at your requirements and then write a detailed plan for achieving your goals. The developer will then test the design and deliver a final product.


A design-led web design agency, on the other hand, will view your website with a more artistic viewpoint. The process with a design-led agency is more on the concepts that will be used to develop the site. This concept is then tweaked throughout the entire process in order to guarantee it flows through the final design.


A web design agency with a user-centered methodology places most of the focus on the audience you expect to draw in with your website. As such, the designer is primarily concerned with how the final design will look and serve the needs of your target audience.


While it is certainly important to have a technologically sound website with a great design, you also want to be sure to please the end-user. Otherwise, you might lose out on potential customers because they find your site to be cumbersome or otherwise unattractive. For this reason, you want to select a design agency that does pay attention to the technological aspects and the design, but that also works closely with you to ensure the site suits the needs of both your business and your customer.


Saturday, March 12, 2016

Rugs the classic choice

It is history and centuries of craftsmanship woven together, spread out in the middle of your living room floor. It could be a magnificent colored canvas that speaks of age and timelessness, adding a breath of the classic to the modern structure that is your home.


Kings and queens could have reclined on one such rug at one time, while the secrets its making remain closely guarded among the tribesmen working quietly in the remotest regions of what is now known as the carpet capital of the world – Iran.


Carpets take years to weave one, and it is all done meticulously excruciatingly by hand. It is made of authentic natural wool, silk, cotton, or a combination of these materials.


For these reasons, a Persian carpet has been long regarded as precious. The least expensive costs around $200, while a 4 x 6 ft piece that took a family in the city of Qum at least a couple of years to create would be sold for $4,000 - $5,000. As for antique pieces of rugs that are preserved in the museums, the figure would simply be astronomical.


The modern carpets or rugs may not have the sense of history like Persian carpets, but they can just as effectively meet a homeowner’s requirements.


Rugs, a smaller version of carpets – are for specific areas, with standard sizes varying from 3 x 5 ft to 9 x 12 ft. The smallest rug is similar in size to a coffee table. In effect, a rug is simply a patch over a certain perimeter. It can be spread under a particular piece of furniture, as opposed to a carpet, which may cover the entire floor.


Experts say that rugs are totally made for accents, aesthetics, to soften the look of a room. They can also be used for comfort as some people find it uncomfortable to walk on a wooden floor.


Rugs, as well as carpets, can provide some means of safety or heighten the sensuality factor in certain parts of the house.


Today’s modern rugs are available in three yarn categories:


1. Wool


It is a natural fiber. It is softer and naturally resilient. If a person step on it, it bounces back. It does not look worn after time has passed.


Wool rugs also have a safety attribute that homeowners would welcome. They are naturally “flame-retardant.” If something burns them, it just scorches the surface. If a cigarette is accidentally dropped on the rug, for example, that particular spot will blacken out but it will not burn or melt.


2. Nylon


It has the same flame-retarding quality, but when burned, it will turn “plasticize” and emit fumes, which could linger for some time, particularly in a closed room.


3. Polypropylene


It is the least expensive among the three. It is neither as soft as flame-retardant as wool and nylon. However, there are currently treatments to make it achieve what wool and nylons can do.


Modern rugs can last up to 20 years, needing only occasional cleaning. Experts recommend that it is best not to shampoo rugs right away. Just vacuum it regularly, depending on the foot traffic it is exposed to.


Finally, try to keep in mind that when you are set to purchase a rug, try to ask yourself some questions like, “Where will it be used?” or “What will it be used for?”


Having carefully taken all those things into account, you should then have a clear idea of the kind of rug that would make a worthy addition to your home.


Friday, March 11, 2016

Sledgehammer -- medical fiction thriller at its best

Looking for a good fiction book to read? Look no further. This medical thriller will have you glued to every page as the drama unfolds and an ER doctor must stop a biochemical nightmare from happening.


6 days … 6 days to stop an epidemic and convince the government that terrorists have indeed used smallpox as a weapon against us. When one of the terrorists shows up in the ER with symptoms, time is of the essence to convince higher ups and the government that indeed this is the dreaded once thought eradicated disease smallpox. If not for the quick action and prior medical expertise of the main character, Dr. Max Kroose, fatalities could be in the millions.


What makes the book even more interesting is that the events unfolding in the ER symbolize real events that occur in emergency rooms daily. The author, Dr. Paulo J. Reyes, is a practicing Emergency Room Doctor and First Responder to disasters in Los Angeles, California with a medical career spanning 25 years. His medical expertise helped to create a medical environment that medical personnel, fans of medical TV dramas, as well as all science fiction fans will enjoy. Added to that, the characters are well developed and passionate in their quest for answers. Although the book is fictional, it’s based on extensive research and leaves you questioning-could it happen today?


With today’s ongoing terrorists’ threats, the growing concern of a biochemical attack, and the fear of a global pandemic, this book shows you how situations like this would be handled. Would the government be prepared? Do we have enough vaccinations for everyone? Should we have voluntary vaccinations now? Questions you will want answers for.


To add this book to your collection, stop by our site at pauloreyes. com/. The book sells at Amazon and iUniverse as well as other leading online bookstores. Also, sign up to be an affiliate and start selling Sledgehammer on your site now. Science fiction at its BEST! This book has gotten numerous 5 Star Reviews. Get it now and see why.


Thursday, March 10, 2016

Where to find honda motorcycles

There are many places that you can find a great Honda Motorcycle. You can search around until you get the deal that you want and that fits your style the best. There are so many different places that you can go to find the right one for you. You also want to get a bike that you can afford. You should not have to spend more than you can afford on the bike of your dreams.


Finding Honda motorcycles is easy when you go to any Honda dealer. You can find them to have the best selection of bikes in the area. There is no reason why you should not be able to find the new or used motorcycle that you want. You can find different colors, styles, bodylines and other things that are so important when it comes to finding the right bike for you.


Looking at the used Honda motorcycles is also an option for many people. Sometimes a new bike is not in the cards and so it is best to look at the older models. You can find them in great condition and running like a new one. They are well maintained and have all the features that you would find in a new one except the price will fit your budget better.


Looking on ebay is another good option for buying Honda motorcycles. You can find that many people get new bikes and when it is time to sell; they will list it on the great auction site. You can check in to this site and see if they have just what you are looking for in a Honda motorcycle. You may just get a better deal when you purchase the one you want here.


Check the newspapers. Many people sell their old Hondas when they get a new one. You may find that you can get a good deal here. Many people know the importance of taking care of their Honda. You will have a good chance at getting a well-kept bike from a private owner that you can trust. Make sure that you check the bike over well and take it for a ride. You do not want to get a bad deal that you cannot go back on later.


It is going to take time and maybe some frustration, but with a little determination, you can find the bike that you have always wanted and it will be for the right price. Do not rush to buy the first bike that you see. Figure out what you can afford and stick to your budget. You will find the one that you want and the one that you can love for a long time to come.


Wednesday, March 9, 2016

Online promote through seo delhi

In SEO Delhi Company e-Fuzion you discover different describe backs of internet advertising make inquiries which are based on Net crafts facts; Boutell estimate a propos 29.7 billions pages on the web by previous year. This oversize basis itself is a large dispute to discover the accessible accurate in sequence and SEO Delhi Company e-Fuzion also contains some important drawbacks of internet promotion study which are include excess data, variable data, hassle more spotlight on dispensation, test of SEO optimized web sites which stress diverse intellect rest. SEO Delhi Company e-Fuzion as previously state, its internet contain huge amount of data which is applicable as well as immaterial to the user’s condition. The crisis is not the quantity of in sequence but discovery the necessary reliable in sequence is essential beginning the huge marine of facts is a big confronts. In the direction of overcome this confront is the investigator has to be well versed with all the tackle and techniques that are needed to clean the pointless information. Internet houses information from all kinds of sources ranging from management portals to blogs. Although the in order gather is exact, it is obligatory to create certain that the basis is applicable. The value of the ending advertising study story depends ahead the eminence of the in order sources that are worn to accumulate in turn. While there is a huge quantity of data existing, for processing this data into dependable in order is a chief duty in promotion study. To interpret, categorize, arrange and document this information requires more focus and effort from the market researcher. Internet is becoming a major tool of promotion for business. This leads to different penalty like appearance of rubbish websites and money creation throughout exploration engines. This has posed as a confront to the researchers to get applicable websites since many good sites do not come out on the top of search results because low quality sites are focusing on SEO Delhi company e-fuzion to get them ahead. Near right to use the right information, Internet requires an unusual attitude i. e. more alert and conceptualized study is crucial.


Previously, the quantity of data offered is awfully less while compared to the condition. Except currently, a vast total of in order is driving in from all instructions. The Internet age market investigator requires a diverse attitude to procedure the data using a variety of tackle and technique.


Saving money on travel these holidays

Holiday travel is expensive! Gas prices are unpredictable, hotel rates can be high for the peak travel season, and rental cars are always more pricey than you’d like them to be. Thanks to online coupons you may find a great deal of savings on the trips you have to make to friends, relatives and loved ones. Why pay full price when you can print a coupon off the website?


In many cases, the Internet coupons you’ll find are “affiliate discounts”. This means you have to “Click Here” and get referred to a site like Avis. com where your discount is applied thanks to your click. One “click here” discount coupon at simplybestcoupons. com gives you fifteen dollars off a compact to full size rental. Another coupon click offers ten percent off a compact to full size rental.


And what about those hotel discounts? The Radisson Hot Hotel Deals coupons go up to fifty percent off. Who wouldn’t want to save half their hotel bill, especially during holiday gift-giving season? Your travel expenses could go down dramatically, all with a few simple mouse clicks.


Some of the coupons lead to other discount agencies like Priceline. com, but again, never underestimate the “affiliate discount” factor. Many of the Priceline affiliate online coupons are for specific destinations, which may be quite helpful if you were planning on going there. The discounted air travel could also work as a unique gift! Who wouldn’t want a gift ticket to an exciting destination? Further, discounted air travel is something to keep in mind as a gift for the person who has everything.


Of course, some of your travel expenses are not directly related to driving a rental car or flying in airplanes. Is your old, ratty luggage on its last legs? Try using an online coupon to get good discounts on a new set of luggage to replace your old ones. Some coupons will save you up to sixty-five percent, and others are related to how much your final purchase totals up to be; either way you are saving a nice bit of cash on something you definitely needed to buy. You can use the extra money to save for next year’s holiday purchases or indulge in a nice on-the-road treat.


Another travel-related purchase is audio books. How many times have you longed to have something more to listen to while driving your rental car? There are many online coupons for purchases in great stores like booksamillion. com and audible. com. Your traveling time will fly by with the latest audiobook bestseller, and don’t miss the online coupon for the clearances! Up to 80 percent off in some cases.


Coupons are great, but online coupons are even better—if you plan ahead you can get your savings delivered to your door in plenty of time for the trip, and what doesn’t get sent through the mail, your rental car and airline tickets, you’ll pick up at the airport counter. Thanks to the online coupons traveling for the holidays doesn’t get any easier.


Finding g-d in the details

Have you ever been excited about an idea, a project, or a goal, so excited that you felt like you could reach out and touch it - only to find that when you try to bring it into actuality the whole thing breaks down?


It’s a common experience. In it’s pure ungrounded form, in your imagination, the vision can look vastly inspiring and easy to achieve. But when you try to bring it into reality, manifest it in all the myriad and fragmented details of your life, more often than not you find that there are lots of obstacles along the way.


This is the stage that, as the saying goes, separates the men from the boys. The easiest thing to do at this point is to give up, to stay with your old habitual ways of being that may not be ultimately fulfilling but are, at least, comfortably familiar.


But, if you make up your mind to stay the course, to work through the obstacles and manifest your vision no matter what it takes, you will find at the end that you have not only altered your circumstances, but you’ve grown hugely in the process.


Light-Darkness-Light: A Core Principle of Creation


If you’ve ever had this experience, you have unwittingly stumbled upon one of the core spiritual secrets of Creation. Life is designed in such a way that our deepest and most powerful growth occurs not as a smooth upward process, but in a three-fold pattern of vision-breakdown-transformation, or light-darkness-light.


At the beginning of the process the light of your vision shines powerfully and clearly – but in an external way, without taking account the myriad details through which that light must be manifested. It’s there, inspiring you, but it’s not really yours, nor does it do anything to affect the world around you.


Bringing your vision into actuality means that the light has to be contained in “vessels”. It must be expressed not only in your mind, but in the physical details of time and space - your relationships, habits, and environment. The problem is that at this stage, these vessels are often too small and immature to contain the light of the new reality you want to create.


When this is the case, things don’t work out the way you want them to. In fact, sometimes they actually get worse.


As you attempt to create new ways of being or implement new endeavors, your relationships may get even more difficult, your environment more disorderly, your schedule more stressful or your emotional state more overwhelmed. As often occurs when we attempt something challenging, you might experience fear, resistance, confusion, or disappointment. And inevitably, you will get in touch with things about yourself that you would have probably preferred not to see.


The Choice: To Give Up or to Grow Up


Once this happens, you have a choice. You can give up, leaving all those parts of yourself and your life (the vessels) the way they were when you started, your light unexpressed, and you with yet one more failure under your belt.


Or, you can continue to move forward, taking a good hard look at what’s in the way and making the effort, within those myriad details of time and space, to correct, remove or transform it. This stage can be challenging, even intensely so, and it often requires grounded and persistent effort to get through to the end. It means taking a good hard look at yourself and your life, working to expand your abilities, improve your relationships or your character, and build your inner strength and courage.


If you are willing to do this, chances are high that you will succeed over time in making your vision a reality, although this is never certain. What is certain, however, is that you will have grown as a human being – the reason the obstacles were there in the first place.


In fact, this growth, this process of expanding beyond your own boundaries, of interacting with the G-d-given circumstances of your life in such a way that your infinite soul expresses more and more of itself through the “vessel” of your finite physical body, is the purpose behind your very existence here on earth.


Moses and the Shattering


The story of the giving of the Torah – specifically, of how Moses received the two tablets of the Ten Commandments – embodies this principle.


Altogether, Moses spent 120 days and nights on Mount Sinai in intimate discourse with G-d. During the first 40 days he was divested from all of his physical needs, and taught the secrets of Torah by the Creator. At the end of this period he descended from Mount Sinai with the first set of tablets on which were engraved the Ten Commandments. This first set was of heavenly sapphire and the words were engraved in the stone in a miraculous manner by G-d Himself.


When Moses brought these tablets down from the mountain he was confronted by the sight and sound of the Jewish people celebrating over the Golden Calf. In response, he smashed the tablets on the ground, shattering them to pieces.


After punishing the ringleaders, he once again ascended the mountain for another 40 days and prayed for G-d’s forgiveness for the people.


Then, during the final 40 days, Moses received the Torah once again. But this time he did so as a human being, in a body, through hard work and struggle. Rather than G-d carving the new tablets, Moses had to carve them himself, on stone that came not from heaven, but from the ground. This time, although G-d once again provided the light, Moses had to create the vessels.


Lights in Vessels


At first glance this episode looks like a tragic disappointment. But oddly, after Moses smashed the first tablets, G-d complimented him.


Why? Because from the inner plane of reality these events were an absolutely necessary part of the Divine template for Creation. The stage of “shattering” is an intrinsic part of the process of the transformation of our world – and us. It is through this process that we create a “dira b’tachtonim”, a dwelling place for G-d in the myriad physical details of time and space.


In order for the Torah – G-d’s infinite Wisdom and Will – to be truly and fully received by the world, the world must be a vessel for that infinity. And in order for that to happen, the Torah had to be given from above, shattered, and ultimately reacquired and contained in vessels from below - in the three-fold process of light-darkness-light.


Although the second tablets were acquired with far more effort, much less fanfare, and were, on the surface, on a much lower level, in actual fact they had to potential to be much higher. With this second set of tablets were included the potential for all of the depth and breadth of Torah that would be uncovered throughout the generations by the study and wisdom of the Jewish people themselves. Divine wisdom would thus flow not only from above to below, but from below to above.


It is not every day that we receive the Ten Commandments. Most often our challenges are much more personal and specific than that. But that doesn’t mean that they are not holy. In fact, making the personal details of your personal life a dwelling place for the Divine is the whole point of living in the first place.


So, whether you are aiming to experience more love, connection and generosity, more meaning in your work and life, more balance, peace, harmony and joy, or a deeper connection to your purpose, there is no need to be discouraged by the fact that it can sometimes get hard along the way.


Man and G-d: Partners in Creation


Unlike all other creatures, including the highest of spiritual beings, only man has the potential to be a partner to G-d. Only man is created in G-d’s image, complete with free choice. Only man can sin, and only man can repent – meaning, to use his distance from G-d to become even closer, greater and holier than he would have been without it. True repentance has nothing to do with self-hatred, with putting oneself down. On the contrary, it comes from self-love, from a recognition of who you actually are and what your life can actually be.


That’s why the word for repentance in Hebrew is teshuva, ‘return’, because true teshuva puts us in touch with our own essence and brings us closer to G-d.


The power of teshuva is our contribution to Creation. It was acquired through the act of Adam and Eve when they ate from the Tree of Knowledge, bringing exile, struggle, suffering and death to themselves and all of humanity. This cycle will continue until the vessels through which we experience life - our minds, hearts, actions and the world around us – have matured enough to be able to encompass the infinite light of G-d.


At that point we, through our own efforts, we will have found G-d in the details, where He was hiding all along, waiting with infinite patience to be revealed. And in doing so, we will have caused the very darkness to shine.


*Since the Torah forbids the erasing of G-d’s name, it’s customary to avoid writing it out in full.


© 2006, Shifra Hendrie, Kabbalah of Transformation / kabbalahoftransformation. com.


Saturday, March 5, 2016

Battles against media s idea of the perfect woman

The never ending battle against the Media and it`s bogus idea of the "PERFECT WOMAN". *sigh*


Lately I have been studying the media, reading articles, watching news, and looking for anything that I can find to make me feel that there is still hope for our world. If you have read any of my past blogs, then you will already know where my concerns lie.


For those of you that are just reading me for the first time, my concerns are strong regarding women of today and their search for the true identity of themselves.


Women today have fierce competition. I have spoken to many men also and they have strongly let me know that they would not trade their gender for any amount of money. They actually feel sorry for the women of today. A few of them even shared with me that they hate the fact that everywhere they look, the media's idea of, "The Perfect Women" is stuck in their faces. Sure its nice to see, any human being will appreciate a nice looking picture. What happens at that very minute though is that they (the men) are put in a situation of feeling that they are betraying their partner by not knowing exactly how to react. I know, I know, some of you are thinking that it is the women's fault that the men think that way. I will agree in some cases, but these men that I have spoken to were being quite genuine in the fact that they themselves did not appreciate it.


I will be the first one to say yes to prostitution. Why? Because it keeps some of the damn rapists of the streets from attacking the unwilling women. I say yes to pornography; it keeps the men that are afraid to approach real women relieved of a very needed natural release. I also say yes to alcohol and to chocolate with ice cream, but my dear readers, before you frown on me for what I just said, hear me say this. "I do not condone the force and uncontrolled manor with which the media shoves all this down our throats. I thought this was a free country. When did we lose the right to choose whether we want to have the media's idea of, "The Perfect Woman", shoved down our throats every time we turn on the television, walk into a bar, just drive down the road (billboards), open a magazine, listen to a song, or even simply look in our teenagers room."


I was reading an article that was advertising the new television line ups for this falls season. I was horrified when I read about the graphic violence being used against women. Episodes showing a woman thrashing in a cage, with duct tape across her eyes, while a man's hands are shown grabbing her bloodied fingers through the bars of the cage and ripping off her fingernails. Another is chained up like a dog in a basement by her so called loving husband. It gets worse; there is also one with a woman paralyzed by venomous spider bites and is being raped by a masked figure. These are what society is allowing for after dinner viewing. I am embarrassed to even say that this is my world seeing this. They made more noise when Janet Jackson slipped a peak of her nipple at a damn football game. In a word...SAD!! The media has definitely figured out how to make money at every woman's expense.


On a much happier note, in my searching the worlds media I did find a very refreshing commercial put out by DOVE. It can be viewed at their website:


campaignforrealbeauty. com . "Cheers Dove" is all I can say. Dove is pushing hard and continuing an uphill climb to bring back what was put on this earth as, The Real Women.


I also ran into an article trying to cut this refreshing change down. The magazine people that pride themselves on using air-brushed models with unrealistic looks, called the Dove girls in this commercial, "civilians". Ha! Now that is a very obvious show of defeat. They're even trying to say that women of today will not want to buy from ads that do not promise you unrealistic beauty. Ladies, the media is in fact calling you stupid as far as I read. I take that as an out right insult.


It's about time that someone stood up and gave the media's negative actions a run for their money. Money made at real women's expense, as I said already once. They also mention something as silly as women worry if they looked fat in their pants, as being an old age insecurity. DUH! No one ever said it was new, jeesh. I am also curious just how far women today are willing to let the media's idea of "The Perfect Woman" go. We are already the butt-end of the cosmetic surgery joke. I feel that the only reason any woman would be turned off by Dove's real women, is because they have been so brain washed into thinking that the media's idea of "The Perfect Women" is what is real. I feel sorry for them. Ladies of today, we must stand up and fight back. Do not let them turn, what is suppose to be real, into barbie dolls.


So many women are confused about what is, and what is not. Why do you think so many women suffer from low self-esteem, with cosmetic surgery at every street corner and so many unrealistic expectations coming to us from the media on how a women is suppose to look? Blah, blah. It's no wonder women are so confused.


Well I know that there is strength in numbers and I do know that there are more women today that are sick of all of the media's ideas. Ladies with low-self esteem, stand up, go to the store, and support DOVE. So what? They make money and yes, maybe there is a bit of truth that they too are using us as a way to profit. But at least we have a place to start to turn things around. We will never be able to turn them back, but we can make them work for us, not against us. Oh if anyone thinks that Dove has asked me, or payed me to speak of them in my blog, NO and NO. I am speaking on behalf of every women out there has been damaged by all the garbage that the media is trying to run our world with. Womens Selfesteem. com is happy to say that Dove is doing a very good thing, on the "real women" of today's behalf.


"Don't back down just to keep the peace,


Standing up for your beliefs builds self-confidence and self-esteem."


-Oprah Winfrey


Dorothy Lafrinere


Owner/Operator


Website - womensselfesteem. com


Weblog - justblogme. com/Dorothy


Forum - womenselfesteem. proboards29.com


email - dorothy@womensselfesteem. com