Friday, September 30, 2016

Pregnancy week by week week 3 4

Week #3


Well, it’s finally happened: conception! This is the week that your egg will be fertilized and start its amazing process of becoming your baby.


After the sperm meets the egg, they become a blastocyst of rapidly dividing cells. It moves down the fallopian tube, and in about 5 days it implants itself into the uterus.


You probably don’t even know you are pregnant, unless you have been tracking your cycles and know when you ovulated. Your baby is now a zygote and in two weeks it will an embryo.


And so begins your and your baby’s journey towards birth. And what an exciting journey it will be!


Week #4


Okay, this is the week of implantation. This happens about 5 days after conception. The embryo, called a blastocyst right now, has reached the uterus and searches for a place to burrow itself beneath surface. After finding that perfect spot, the cells then split into two groups: the placenta group and the baby group.


You probably don’t realize your pregnant just yet. You might be a little queasy, tired or maybe not. Many women feel they have PMS because this is about the time she is supposed to start her period. Your breasts will be tender and you may have pain in your pelvic area. There is a list of early symptoms that can be found here.


Your baby’s backbone, spinal column and nervous system are forming. Kidneys, liver and intestines are starting to take shape, and facial features are emerging. Very soon that magical heartbeat will begin!


Wow, this miracle of life is really beginning. Take care of yourself; you have a long way to go!


Wednesday, September 28, 2016

Your guide on how to play roulette

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Roulette is one of the oldest and the most famous game played in any of the casinos of the world. In playing the Roulette game, your objective is to pick the winning number that will appear on the Roulette wheel. Other than the individual numbers, you can also bet on the combination of numbers or choose the color, odd or even. For many newbie, it is not as easy as it seems. Hence, let go back to the basic to learn how to play Roulette and understand what your chances to win in Roulette game are.

Two Types of Wheels

If you have been to casino before or visited an online casino, you may notice that there are actually two types of Roulette wheels, one has 37 slots, numbered from 0 to 36 and another type has 38 numbers, range from 0 to 36 with added extra number "00".

The 37 slot's wheel is the original wheel since the game invented; the 37 slot's wheel is known as "European Wheel". The house edge / casino advantage for this 37 slot's wheel is 2.63%. The 38 slot's wheel is known as "American Wheel", it has an added double zero ("00") which has increase the house edge from 2.63% to 5.26%. In other word, you chances to win in "American Wheel" are less than the "European Wheel.

Roulette Table Layout

Roulette layouts have two betting areas: the inside betting area and outside betting area. The inside betting area contains the individual numbers on the layout; the outside betting area has boxes for the columns, red/black and odd/even and different groups of numbers.

The individual numbers at the inside betting area are arranged in 3 columns times 12 rows and the zero and double zero (if it is American Wheel) are arrange at the top of the columns. There are 18 numbers colored with "Black"/"Yellow" and the other 18 numbers are colored with "Red"; you can making the betting based on these two colors at the outside betting area. Beside the colors, there are three other types of betting at outside betting area: 1-18 (small), 19-36 (big); Old or Even; column bets: 1 to 12, 13 to 24, and 25 to 36.

Buying In

In order to avoid disputes, each player will receives a different color chip and these color chips can only be used for that table only; you much cash them in once you are done playing to exchange these chip with the cash chips where you can cash them at the cashier cage later.

You can make several types of betting at inside betting area; you can bet a number straight up or straddle the line between numbers to select a combination of numbers. The payouts for each type of betting are as follow:

  • a. Single Number : Pays 35 to 1

  • b. Split bet between two numbers: Pays 17 to 1

  • c. Quad bet between 4 numbers (place your chip at the center of 4 adjacent numbers): Pays 8 to 1.

  • d. Line bet / street bet (you bet on 1 row with 3 numbers): Pays 11 to 1.

  • e. Double street bet (you bet on 2 rows with 6 numbers): Pays 5 to 1.


At outside betting area, the payouts for any winning are as follow:

  • a. Even/odd, big/small and color black/red are all pay 1 to 1.

  • b. Column bets (1 to 12, 13 t o24, 25 to 36) are paying 2 to 1.


After the roulette ball drop into the wheel's slot, the dealer will mark the winning number with a marker. He/she will pick up all the losing chips first before paying out the winning chips. You are not allowed to place your bet until the dealer removes the marker.

In summary

This article is giving you some basics on how to play the famous Roulette casino game. Roulette has a high house edge and you cannot overcome this edge in the long run. But if you put some strategies in place, you can increase you chance to win in this game. I will discuss a few roulette strategies in my next few articles. Good luck!

The allure of big island s hilo

Are you interested in taking a Hawaii trip? If you are, do you know where you would like to visit? Unfortunately, choosing a destination in Hawaii isn’t as always as it seems; however, not for the reasons that you may think. Why it is sometimes difficult to choose a destination in Hawaii is, honestly, because they are all so great. In fact, many tourists wish that they had more time to spend in Hawaii, unfortunately, that isn’t always possible. That is why it is advised that you take the time to find the perfect Hawaiian city to visit. To get started, you may want to start examining Hilo.


Hilo is located along the coast of Hawaii’s Big Island. There are an unlimited number of reasons why Hilo may be the perfect destination for your next trip; however, the most important reason is everything that you can do and see while in the Hilo area. Whether you are traveling alone, with your romantic partner, with your family, or even just with some friends, Hilo may be just the place that you need to go. Whether you are looking to relax, sightsee, or be adventurous, Hilo is home to an unlimited number of activities and attractions that can let you do whatever you want or be whomever you what to be.


A must see for all Hilo vacationers is the Akaka Falls State Park. In fact, a Big Island Hilo trip isn’t complete without a visit to this absolutely breathtaking park. The Akaka Falls State Park is home to the Kahuna Falls and the Akaka Falls, each over four hundred feet long! What makes the Akaka Falls State Park a must see for everyone on a Hawaii trip, aside from the waterfalls, it its easy accessibility. The Akaka Falls trails are considered “moderately challenging.” Essentially, this means that they are easy to hike; easy enough for children and just about everyone else.


The Pana’ewa Rainforest Zoo is another popular attraction found in Big Island’s Hilo. Unfortunately, not all tourists make the trip to see this amazing zoo because many, mistakenly, believe that it is just like any other zoo, including the one at home. You are advised not to think this way or else you could miss out on the opportunity a lifetime. The Pana’ewa Rainforest Zoo isn’t like any other zoo in the United States. This is because it is located in a real tropical rainforest. Whether you are traveling with children or not, you will likely enjoy the landscape, as well as the zoo animals, which include birds, monkeys, tigers, and much more!


The Nautilus Dive Center is a must stop for anyone who loves the water, as well as everything that can be found in it. The Nautilus Dive Center is most well-known for their underwater scuba diving tours; tours that take you along coastal coral reefs. It is important to note that you do not have to be an experienced scuba diver to take part in the tours offered by the Nautilus Dive Center. In fact, you can even be a first-time scuba diver. The Nautilus Dive Center not only offers tours, but they also offer scuba diving lessons. Therefore, if you are looking to try something new, for the first-time, you are urged to visit the Nautilus Dive Center.


In addition to adventure, there is also a chance that you may wish to learn something new while on your Hawaii trip, especially if you are traveling with children. If you would like to incorporate a little bit of education into your next Hilo vacation, you may want to checkout the Pacific Tsunami Museum. The Pacific Tsunami Museum is ideal for those who are interested in the history of tsunamis, as well as the effects that they have the land, the people, and their culture.


The above mentioned Big Island Hilo attractions are just a few of the many that exist. Whether you are looking for fun, adventure, peace, tranquility, or education, you are sure to find it on a Hilo Hawaiian vacation. If you are interested in visiting Hilo, you are advised to start booking your reservations today.


Tuesday, September 27, 2016

How to find a golf partner

Let's face it, if you are going to be on the golf course for 5 hours, you want to be with people that you enjoy being with. Finding good golf partners can be harder than finding true love. There are almost as many things that you look for in a golf partner as a life partner. You want a golfer you can communicate with, a golfer that you are comfortable with silence with, a golfer that is reliable and one of the most important, a golfer that you can trust. I will talk a little more about trust in a minute. I have been playing golf for 20 years and I can say that I have met people on the golf course that have wound up being good friends off the golf course. There is a unique bond that is formed when you do find a good golf partner.


The reason you need to be able to trust your golf partner is, chances are your golf partner has pretty much the same skill level as you, you probably would not be playing together on a regular basis if he or she was much better or much worse golfer than you, unless you were already friends or family. That means that chances are pretty good that you will wind up having friendly wagers of some kind while on the golf course. I can tell you first hand that is is a long day if you are playing a friendly skins game or a $5 nassau against a golfer that cheats. It adds an element to golf that should not be involved. If you have to spend an ounce of energy trying to make sure your opponent isn't improving his lie or even dropping another ball to replace the one that he couldn't find with a search party, it makes for a very long and un enjoyable round of golf.


The regular foursome that I play golf with was recently broken apart, one moved to California, and the other moved to a another county within the same state. The impact that it has had on my game has totally surprised me. The one other golfer that is left is the ”cheater” of the group. It is well documented that he cheats, we even had an “ golf intervention” to try to get him to stop. That did not go very well, he was totally in denial and did not admit to anything. He stopped cheating for a little while (maybe) but then started back up again.


Ironically enough, the one golfer of the group that cheats is also the one that makes the tee times. When one of the foursome could not make it, he would make all the phone calls to find a replacement. Now that we have lost two of our golf partners, it is very hard to find 2 new partners because everyone knows that he cheats.


The best way to find a good golf partner is to BE a good golf partner:


1. Don't cheat, not once, not ever.


2. Be friendly, but don't talk to much.


3 Control your temper. Nobody likes being with a golfer that is constantly screaming П¦ and or throwing clubs.


4. Be reliable, if you make plans to play, keep them.


5. If you play with a golfer that you think is a good match, by all means exchange phone numbers, you have to start somewhere.


6. Be willing to play for a few bucks. Playing for something helps you focus on your round.


AllGolf. org


Employment law unfair dismissal - constructive dismissal - last straw

The case of Bell v The Spirit Group Ltd [2005] concerned a claim for unfair and constructive dismissal. The employment tribunal held that a series of acts, by the employer, cumulatively amounted to repudiation of the employee's contract of employment.


The employee was a manager of a national chain of pubs and restaurants. He brought a complaint of unfair constructive dismissal against his employer in the employment tribunal on the grounds of failure to support him throughout a period of a year during his career. He alleged that:


he had been harassed by the senior managers regarding changes to his and his wife's single contracts to a lower-paid joint contract;


he had been bullied and his grievance initially ignored;


his grievance had been partially upheld but the bullying had continued;


the employer's conduct amounted to a fundamental breach of his contract of employment - the implied term of mutual trust and confidence (the cause of his resignation);


his dismissal had been unfair in all the circumstances.


The tribunal found that, in view of the cumulative effect of the course of conduct by the employer, there had been a fundamental breach of the implied term of mutual trust and confidence in the employee's contract of employment, and it was that breach that had been the effective cause of the employee's resignation. The employee's claim of unfair constructive dismissal was upheld. The employer appealed to the Employment Appeal Tribunal (EAT) against that decision. The employer's appeal was dismissed.


The EAT found that:-


the test for constructive dismissal was whether the employer's conduct amounted to a repudiatory breach of the employee's contract of employment in relation to the implied term of mutual trust and confidence;


a relatively minor act might be sufficient to entitle the employee to resign if it was the last straw in a series of incidents;


in this case, nothing had been done to stop the chain of causation;


the employee had continually complained about the lack of support, and the tribunal could not be criticised as a result of its conclusions.


If you require further information contact us.


Email: enquiries@rtcoopers. com


© RT COOPERS, 2005. This Briefing Note does not provide a comprehensive or complete statement of the law relating to the issues discussed nor does it constitute legal advice. It is intended only to highlight general issues. Specialist legal advice should always be sought in relation to particular circumstances.


Monday, September 26, 2016

Clocks for your home and your lifestyle

Clocks are an important part of our culture and history. For centuries the quest to keep accurate time has resulted in the amazing ability to keep almost exact time in a functional, stylish package. Clock manufacturers go to great lengths to produce highly accurate clocks in a wide variety of designs. It is often the easiest path to simply purchase an inexpensive clock that functions adequately, but there are numerous choices and types when it comes to shopping for a clock. By simply taking the time to shop for your next clock rather than just pick up the cheapest, most convenient clock you can find, you will discover a wide range of clocks for any room in your home that will express your unique style and excellent taste.


Clocks are the perfect addition to any room, wall, desk, outdoor area, shelf, or mantle. A clock can be handcrafted so exquisitely crafted that it is of heirloom quality and would be a treasured addition to your family. There are clocks in any shape, color, style, and many feature additional functions such as alarms and weather forecasters. You may choose a traditional clock with hands and a numerical face, or a modern digital clock with sleek, contemporary styling. A clock is one of the better accessories you can choose for your home or office dcor and you can often find great deals from online merchants.


Choosing a clock should be given a larger place of importance than we normally consider. A clock can be a wonderful decoration, a purely functional item that is purchased out of necessity, or an heirloom treasure to pass from generation to generation. Whether you want a full-size grandfather clock or a small wind-up alarm clock, take a little time in choosing your next new clock and stop to recall the pride and workmanship that have gone into creating clocks throughout history.


Sunday, September 25, 2016

Florence italy bed and breakfasts breakfast for the heart and your wallet

You can't go to Italy and not visit Florence. It simply isn't done. Located in the middle of the country, Florence is the capital of the Tuscany region. If you want to immerse yourself in Italian history and culture, go to Florence. If you want to feel the pulse of Italian life, drop by Florence!


Florence is one of the world's premier cities. From the 1300s to the 1500s, it led Europe in fields such as education, finance, and commerce. During this time, some of art's unofficial Hall of Famers, namely, Leonardo da Vinci, Michelangelo, Raphael, and Dante, created some of the world's greatest masterpieces. Florence served as Italy's capital until the government was transferred to Rome in 1871. Today, Florence's economy is primarily based on tourism, which includes accommodations such as Florence, Italy bed and breakfasts.


A bed and breakfast, or a "B and B," is a private home in which several rooms are dedicated to guests who lodge there overnight. Many of Florence, Italy's bed and breakfasts offer world-class service and outstanding views of the city.


Mediterranean Chow


The Mediterranean Diet has greatly influenced breakfasts in Florence, Italy bed and breakfasts. In fact, while this cuisine type originated along the Mediterranean Sea, it has greatly impacted the entire country, including Tuscany. The Mediterranean Diet is based on farming, fishing, and cattle of the land. This includes the use of several types of plants, including beans, seeds, whole grains, and fruits. In Southern Europe, Italy included, foods such as bread, rice, pasta, and vegetables have become staples in people's diets. Of particular interest is the region's use of olive oil, which is much healthier than animal fats. Other components of the Mediterranean Diet include a glass of wine with meals, very little red meat, and a little yogurt and cheese.


What's for Breakfast?


Food itself is vital to Florence's economy. The food of Florence, including your free Florence, Italy bed and breakfast breakfast, originated from the lifestyle of the common people. In this culture, the entire animals were typically eaten. Continuing that tradition, several varieties of stomach tissue from animals are sold from food carts around the city today. If you want something a little lighter, however, you can enjoy Florence's appetizers, including sliced bread topped with a chicken liver paste.


Florence's most famous main dish contains a huge piece of beefsteak served barely cooked. Also, a special Easter Sunday breakfast in Tuscany includes salami, boiled eggs, Easter cakes and pizzas, and wine. Lastly, Florentine meals often include Tuscan bread mixed with soups or vegetables.


Wine Central


In addition to being a food mecca of sorts, Tuscany is also one of the best wine-producing regions in the world. Several areas near Florence, Italy bed and breakfasts, such as Bolgheri, Chianti, and Carmignano, are famous for their grape crops, which are used in a variety of wines.


Bolgheri is a small village, which includes a lovely avenue of cypress trees. Only the best grapes are used to create the wines here. On the other hand, Chianti is the home of thousands of producers of Chianti red wines. The wines created vary in where and how the grapes are grown, how many types of grapes are used, and how the wine is produced and aged. Lastly, the Carmignano region has been producing outstanding wines for over 12 centuries.


A visit to Italy is never complete without a visit to Florence. Staying in a Florence, Italy bed and breakfast will allow you to savor the essence of the region's food and wine.


Construct safer your self

In this service you find a way to generate links with the content, which one you never created. For this contact the established authorities in your domain area and let them know that you are available as a resource for researching and writing on any topic from the chosen domain. In e-fuzion. com you find all the details about different SEO web design Services Delhi Company. What if you don’t have great content writing skills or the necessary expertise? Then do the next best thing. So, if you are interested to create a good selection of SEO Services Delhi then e-fuzion is the best for you. Apart from content you can use other technology for searching your web site. Another long winding however effective way to create incoming links is to host affiliate programs or launch a web ring program from your site. People who will sign up will have links pointing to your site from theirs. However this approach does take time and efforts to bear fruit.


In almost all these variations one of the most important parameters you can control is the anchor text. These are just some of the methods that you can undertake profitably. Once you are done with your one way linking campaign, its time to start with reciprocal linking campaigns. To summarize page rank of a site apart from other factors, can be guided by the way information is organized within a site and the way it is presented. Careful planning with setting up the information flow will go a long way in helping optimize the page rank of the site. In SEO Services Delhi Company e-fuzion, first step is in the area of search engine marketing, is to understand the relevance and importance of key words. Key words are the starting blocks of a successful SEO campaign. In SEO Services Delhi e-fuzion plays a vital role and its key words are used to promote and market by improving search engine raking.


Mexican survival tip 5 transportation

When my wife and I first visited the city in Mexico where we eventually chose to settle, we had a conversation along these lines:


Me: “Do you know what I am thinking, my sweet darling dove?”


Wife: “No, my hard hunk of a man. What are you thinking?”


Me: “ I think we could live here in Guanajuato and never have to drive!”


Wife: “You mean, do you really mean, that we could dump that car we are forced to drive by Mr. Urban Sprawl and stop destroying the environment?”


Me: “Oh yes. Oh yes. Oh yes indeed. And not only that but we would stop getting fat-induced illnesses that are the result of never walking anywhere in America.”


Wife: “You forgot to say that we would lose weight and keep it off as a result.”


Me: “And what about getting rid of stress which also kills Americans who have to drive everywhere?”


Wife: “That stress as well as the fact that we would never have to make another car payment, buy insurance, get the car inspected, etc…”


Me: “Did you just say, ‘etc…’?”


Wife: “Never mind.”


We honestly had this conversation. Maybe not in those exact words but we did talk this over. This was one of the draws of living in Mexico.


We would never have to drive again.


And, that has been the case. We sold our car and flew here. We not only do not have a car but we never will have one. Why on earth you would want one when you do not have to have one totally escapes me!


However, Americans and Canadian expats in the millions have them. Americans would probably take cars with them to Europe if they could. I know of a lady who took an RV to Russia! Can you begin to fathom that?


Americans are so attached to their cars that it seems as though it is written into their DNA. They would never think of leaving their cars behind. The car is their source of identity. Cars define what Americans are.


Most of our friends, upon learning we were not driving our car into Mexico, nearly had strokes. So blinded are Americans to the fact that they can live with a car that none of my friends—not one of them—rejoiced that we would be able to:


· Stop contributing to the destruction of the already-fragile and probably irreparably-damaged environment.


· Walk everywhere, thus becoming healthier and extending our longevity.


· Increase the quality of our lives.


· Stop paying car insurance.


· Stop risking our lives each time we crawled behind the wheel of a car.


And the list goes on…


Have you ever thought how many people in America have died, either directly and indirectly, as the result of cars? The anti-gun lobbyists will scream night and day using this same argument. They will galvanize their forces to get rid of those evil people-killing guns as they mount the saddles of their gigantic, gas-guzzling SUV’s that kill people too.


Car wrecks, car jackings, car exhaust, accidents or suicides, and getting fat from constantly yielding to the temptation to drive rather than walk.


I know of people in the U. S. who would drive to mail a letter rather than walk the 20 minutes it would take to get back and forth to the Post Office. Americans drive everywhere and walk nowhere!


The too-often cited excuse is, “It is a convenience to drive to the store.”


A convenience for what? There you are, sitting on you ever-growing and swelling fundament,


Momma: “Daddy, get yourself down to the store and buy me something sweet.”


Papa: “Ok. Which gas guzzler should I take? The Ford SUV or the Chevy SUV?”


Momma: “Whatever. I don’t care.”


So, you get up from the living room. You put down the TV remote and the beer you’ve been drinking. And, rather than walking to get the ice cream (that will make you fatter still), you drive the SUV for the convenience of getting back to the house faster so you can more quickly get back to your living room chair, so you can eat the ice cream, drink more beer, and click away with the TV remote!


Is that the convenience Americans mean?


The American expats who go to all the bother to move to Mexico with their cars do the same thing!


I know of one lady who claims she likes the convenience of having the SUV, and yes an SUV, so she can be spared the length of time it takes to use the pubic transportation system.


For the most part, she, and a heck of a lot of other expats, sit on their butts in front of their satellite televisions watching American television. The only time they get out of the house is when they want “the convenience” of driving somewhere.


It is the same convenience, apparently, that they had in America. They want the convenience of getting to the store and buying their stuff so they can return more quickly to their expat hideouts in order to plop down in front of the television!


Only here is the joke! Where we live, in Guanajuato, it is quicker to walk somewhere than drive a car. In fact, at certain times of the day because of traffic congestion, you can out-walk the buses and taxis and reach your destination more quickly on foot.


What is certainly no joke is that too many Mexicans are buying into this uniquely American idea of “convenience”. The consequence is that too many cars are on the streets of Guanajuato. Mexicans and the few expats there are here are all vying for their driving space on streets not built for such nonsense.


The traffic jams in this little Colonial City, where car ownership is absolutely not necessary, defies logic! Or, perhaps I should say that the massive car ownership in this town is what defies logic.


The American expats of San Miguel de Allende have ruined that town, which is actually smaller than Guanajuato, with their cars. You really should see this hideous phenomenon for yourself.


Another result you will see of too many cars here is that many locals walk around with masks on their faces. You know, the kind surgeons wear during an operation. Every single Mexican I asked, “їPor quй lleva la mascara?”, told me that it is because the car exhaust makes them sick!


Need I say another word on this subject?


Thursday, September 22, 2016

Accounting outsourcing service to augment your business prospects

Are you unable to keep a tab on the heavy accounting work undertaken by your accounting firm? This is just no reason for anyone to despair about his/her business prospects. Opt for accounting outsourcing service from an outsourcing firm to meet hectic customer demands. Accounting is a seasonal business, which witnesses heavy demand from customers to get their tax returns prepared and pay their taxes timely. This is the time when accounting outsourcing service comes as a boon to accounting firms and CPAs.


Several outsourcing companies deal with accounting and provide their clients with accounting outsourcing services. If you are eager about earning revenue through your accounting business, outsourcing the process is the best source for you. Accounting outsourcing services are offered considering the urgent requirements of CPAs and accounting firms to meet customer demand during the tax season in the US.


To run your accounting business successfully, you will have to choose a good outsourcing company which meets all your requirements. Take a few minutes out of your busy schedule to scout the best accounting outsourcing service provider to work for you. The World Wide Web is the best source for information regarding bookkeeping outsourcing service.


While researching for a good outsourcing company, it is very essential to check out the different features provided by the company. See the different types of security features which are put in place for protecting customer’s financial security and personal identity by the accounting outsourcing company. In this age of advanced communication, it has become all the more important then ever to maintain strict secrecy about customer’s finical details and personal identification. Customer security must be of major concern for any outsourcing company.


Compare the cost offered by different companies for doing accounting outsourcing work. Opt for the firm which provides you good quality service at an affordable price. Sometimes however compromising on the price for the service offered to you can actually spell loss for a business. This is to say that always the highest price does not guarantee the best services and vice versa. So you must undertake careful considerations before you actually choose a company for doing the outsourcing work for your firm.


You can get many benefits and enjoy peace of mind by outsourcing your accounting work to an outsourcing firm. Accounting outsourcing service work is done by trained professionals in the developing countries. This means the cost of labor is low compared to other places. Professionals in developing countries are highly qualified, but lack job openings. So by accounting outsourcing your customers can get their work done by highly qualified professionals, without spending an extra cent.


Another benefit of accounting outsourcing service is that if you are at anytime not satisfied with the work done, you can fire the accountant and hire new ones for doing the job. With plenty of opportunities available, you will not find any dearth of talent and manpower in this field. There are plenty of opportunities open for you to explore on the internet.


Accounting outsourcing service spells instant success for a business. The simple reason for this is the reduced cost of the services provided. By accounting outsourcing service the entire method of accounting is made cost effective and simple for CPAs and accounting firms to handle.


Wednesday, September 21, 2016

Holy grail of the capital markets

Introduction


Ever since I retired at the age of 28. I have been doing a lot of thinking into these “Tough Cases” of the investment world. What I present today hopes to unveil the most mysterious of them all, the Holy Grail of The Capital Markets and I will be giving you my argument as to why it truly exists and to help you find your personal Holy Grail of Trading and Investments by the time you finish reading this report.


So let’s go treasure hunting…


The Fabled HOLY GRAIL…


We have heard it a thousand times; investors and trader, young and old have sought it for hundreds of years and countless more are attempting to create it everyday. It is the fabled, urban legend of the investment world… the Holy Grail of the Capital Markets; A trading or investment system or strategy that will never fail.


Some believe in it, others don’t and many maintained that such a strategy or system doesn’t exist or simply impossible. Many have claimed to have perfected such a system but when tried by people other then themselves, it fell from Holy Grail to torn, leaking paper cup.


The Wrong Perception


There was once a warrior near the end of the dark ages whom heard of the power of a new weapon… a weapon that can kill from ten paces away and can penetrate almost any known amour at that time… a GUN. It was supposed to be an invincible weapon and he spent everything he had in order to acquire one of these weapons. Once he had that weapon, he wasted no time to duel the most powerful warrior known in that land. He fired many shots but missed and his life was taken under the blade of the veteran warrior.


Like the gun, we expect that the Holy Grail strategy to be invincible at all times. We imagine that we will never again lose money once we acquire that knowledge. We can’t be more wrong. The question really is, are we suitable for this invincible weapon?


The Truth Behind The Holy Grail


We all think of the Holy Grail as a strategy that can’t fail. However, we completely ignore the Human Factor! Study all the famous battles of any and all ages and we will see that many of the battles were lost not because of the strategy used but BECAUSE THEY ARE BADLY EXECUTED. Most of these strategies are good until screwed up by us… HUMAN!


You are right. We, human, make and break every Holy Grail that ever existed. We are the “Stand” or the Base of the “Cup”.


Yes, we COMPLETE the Holy Grail through the effectiveness of our execution. We are truly the stand that completes the strategy and therefore we must all make sure we are the right stand for the right cup!


I am sure this sounds like you as much as it was me some time ago… You purchased strategies that claimed to work wonders but no matter how hard you try, you bend some of its rules and end up hurt. That’s your prove that matching your psyche with the right strategy is so important. (Here is a free to download psychometric test to see what kind of trader you are and what kind of strategy you are suited for. Go now to mastersoequity. com/MOE_FREE_REPORT. htm )


You tried to stick to the rules, didn’t you? But what did you do when your portfolio starts going into the red and the rules says “STOP OUT NOW, AT THIS POINT!”? That is why we need to understand what kind of stand we are BEFORE trying to understand the cup and eventually the market!


What Cup to What Stand?


Now that you have found your stand, it is time now to find the right cup to complete your personal Holy Grail. Unfortunately, not all strategies are worth the title “Holy Grail”. Many of these strategies are fundamentally unsound or that they have not been molded in the flames of real life trading. Therefore, a worthy cup to complete your personal Holy Grail needs to be:


1) Tested and True in real life trading with proven track record


2) Fundamentally sound


3) Logically sound


4) Tested and developed in your market of interest!


That last point got some of you baffled didn’t it?


Yes, if you want to trade the US markets, your strategy needs to be developed and proven in the US markets and if you want to trade Asian equities, your strategy needs to be developed and proven in the Asian markets. Why is this so? Due to fundamental differences between the markets such as liquidity, investor sentiments and behavior, level of participation of institutional players and investor sophistication. Most strategies need to be optimized for the market it was developed for and therefore using it in other markets may result in a terrible loss due to different price behaviors that results in making your profit or loss taking point obsolete.


So why do I trade only the US markets? I trade the US markets due to the fact that it has the highest level of sophistication and its investors execute strategies which are little known in other markets. This makes sure that whatever you try to do in this market, It has the LIQUIDITY to ensure your profitability! It is akin to a huge departmental store whereas some other markets are small grocery stores at best.


And hey, we all know that there are more promotional and good value items in a department store than most grocery stores can afford to give, don’t we?


Convinced why the US markets are our best choice yet? … Good.


Where to Find YOUR Cup?


While there are a lot of good strategies out there, I wish to recommend that you go to mastersoequity. com/MOE_startradingsystem. htm (for aggressive traders) or mastersoequity. com/MOE_ridetheflow. htm (for long term traders). Both of these strategies are:


1) Tested and True with proven track records


2) Fundamentally sound


3) Logically sound and


4) Developed and tested in the US Markets!


CONGRATULATIONS, you have now in your possession, your personal Holy Grail of trading and investments!


Tuesday, September 20, 2016

In business think small

I have a friend who always seems to fail at every business opportunity he lays his hands. Do you know why? He thinks BIG! I mean really BIG!


He never looks at any opportunity unless he can make huge sums of cash. What always ends up happening is that he never has the cash flow to manage the opportunity that he wants so much to come true.


My main concern is that there are too many books in the market place that seduce people with large business ideas and impossible goals. Often it is better to think small and with incremental baby steps reach higher then was thought possible.


When people start thinking BIG, then even a positive outcome in business might not meet their initial goal leading to possible despair.


When you have small plans and perform better than expected this gives a boost to mind and body. If you have high goals and fail to reach them - even though you are successful in other people’s eyes - in your own mind you have failed.


Many of the business books out there tell you that you MUST think BIG. I disagree strongly. I like the philosophy of "think small and make it BIG".


I believe in Baby Steps. It is amazing what you can achieve in 5 years if you take small baby steps at regular intervals. No matter what stage you are in your business, focus on the next small baby step. Step by step, you will get closer to your goal.


If you must then BIG, then start by thinking small and make gradual incremental steps towards your goals.


Now women excel at thinking small and planning small carefully calculated steps. This is probably why we are seeing more and more successful business women. They never seem to lose sight of their eventual business goal and also don’t get upset easily when the road throws up more challenges.


Even with product developments, small incremental improvements often work better then developing a brand new product. It is usually far cheaper to improve an existing product then to axe it and replace with something that hasn't been tried and tested.


You can apply the same ideas when dealing with business clients. Remember that with customers it is often the small things that count like: how long did it take before someone answered the phone, how quick was the response to their query. The small etiquettes of business service also help you to attract the BIG clients.


Work hard, pay the price, and enjoy your work. The short term realities of business might be tough but the long term opportunities can be high. Stop thinking BIG and take small steps towards your goals and you might possibly achieve Greatness!


Water water everywhere

Floods can happen without warning. Even if you don't live near a river, one heavy rainstorm can change everything. Floods can happen anywhere, according to the Federal Emergency Management Agency.


Floods occur whenever rain, melting snow or even a dam break produces more water than the land can readily absorb. Use the following tips from the CPCU Society to protect your family and belongings from floods:


• Keep an up-to-date home inventory and other important papers in a secure place. If you must evacuate, take these items with you. Also, keep exact copies in a place away from home, such as a bank safety-deposit box.


• Utility services may be disrupted during floods. Stock non-perishable food that requires little or no cooking. Buy bottled water or prepare jugs for filling with water.


• Check portable radios and flashlights. Make sure you have new batteries on hand.


• Keep your car's gas tank filled. Also, keep oil and gas tanks for your home heating system filled. This will help keep them from coming loose and causing damage to the foundation.


• Leave immediately when authorities tell you to evacuate. Delay can trap you without an escape route. Because flooding changes the way areas and landmarks look, you can become disoriented easily.


• Do not walk or drive through flowing water. As little as six inches of fast-moving water can knock down an adult.


• Be alert to downed electrical wires and gas leaks. Electricity travels through water, so report downed wires as soon as possible. Before using electrical devices and heating and air-conditioning equipment, have a trained professional check them. The damage may not be obvious if the equipment was under water or exposed to moisture.


• Contact your insurance representative as soon as possible. Document the damage with photos. Keep evidence of damage and loss for the claims adjuster.


Standard homeowners insurance does not cover flood damage; however, special flood insurance covers this risk. Flood insurance pays for covered losses quickly. Government loans and grants may take some time and not cover what was lost. Your insurance agent can give you coverage information or a no-obligation quote.


Islamic finances

If you’re Muslim and are concerned about financial products that comply with Sharia Law, there are more and more options available to you today. The first Islamic bank in the UK, the Islamic Bank of Britain, opened its headquarters in Birmingham in 2004, offering a range of products and services such as pensions, mortgages and loans.


The main requirement for financial products and services under Sharia Law is that they neither charge interest nor pay it out, as making money from money is considered usury, and that they do not invest in companies that are deemed unethical, such as those connected with alcohol, tobacco, pornography or gambling.


What often happens when providing loans is that the bank will purchase an item for the customer at a set price and rent it or sell it to them, with repayments made in instalments. The bank makes its money by levying a charge on the customer’s payments.


With investments, Islamic finance works on the basis of sharing the risk as well as the reward. Both the customer and the bank agree on terms for sharing the risk of any investment and split any profits equally between them.


The four main modes of Islamic banking are known as murabaha, where a purchase is made by the bank and re-sold to the customer without any interest payments; musharaka, a partnership in which the rewards and risks – i. e. the profits and losses – are shared by both the bank and the customer in an investment; mudaraba, where someone places their investment in the hands of an expert who invests for them and shares the profit but doesn’t bear the risk of any losses; and ijarah, a rental agreement made in order for the customer to obtain goods, in which rental payments are made over a specified period and the bank reclaims the goods at the end of it.


Many of the high street banks offer Islamic products, and there are some Middle Eastern banks with branches in the UK that provide financial products and services suitable for muslims.


Trust funds


The government introduced child trust funds in 2005 to help new parents to start saving for their child’s future. Upon the birth of a child, they are given Ј250 in vouchers to invest on their behalf, and an additional Ј250 on the child’s seventh birthday. Additional contributions of up to Ј1,200 can be made annually, and the money can be invested in savings accounts or in stocks and shares, or a combination of both (a stakeholder account).


A Sharia-compliant child trust fund is also available for the children of Muslim families, and is provided by the Children’s Mutual. It’s a stakeholder account, which invests in the stock market until the child turns 13 and then transfers the funds into a savings account or lower risk investments such as government bonds. This aims to reduce the impact of any stock market slumps in the run-up to their 18th birthday. All investments are made in funds that don’t compromise Islamic principles, and no interest is paid on the savings.


Mortgages


As mortgages are interest-charging loans, they are not considered acceptable to the Islamic faith. However, as most people can’t afford to pay cash to buy a property outright, there is a demand for Sharia-compliant mortgages among the Muslim community. Many high street banks now offer such products, as does the Islamic Bank of Britain. An Islamic mortgage normally works by means of ijara, a leasing agreement in which the bank purchases the property on behalf of the customer and charges rent to them (including a handling fee) until the purchase price is repaid, at which point the customer owns the property outright. As with other mortgages, the bank retains the rights to the property until this point.


Bank accounts


To comply with the Islamic faith, bank accounts should neither charge nor pay interest. This normally means that there will be no overdraft or credit card facilities on current accounts, and that savings accounts invest money to make a profit rather than receive interest on it.


Pension schemes


A few financial organisations now offer Islamic pension schemes, allowing Muslims to invest for their retirement without having to compromise their beliefs. Such schemes invest only in funds considered to be ethical under Sharia Law – i. e. no investment in companies involved in alcohol, tobacco, betting or pornography, or any companies such as banks that profit from charging interest. If any dividends arise as a result of business involvement in any of these areas, the money is ‘purified’ by giving it to charity rather than awarding it to those investing in the scheme.


Monday, September 19, 2016

Steve nash nba career

Born on February 7, 1974, Steve Nash currently plays the guard position for the Phoenix Suns. He stands 6'3" tall and weighs 195 lbs. While attending college in Santa Clara, Steve Nash was named as the West Coast Conference Player of the Year for two consecutive seasons. His collegiate basketball career wrapped with him being the Bronco’s all-time leader in career assists, free throw percentage and 3-pointers made and attempted. In 1993, Steve Nash could be found playing for the Canadian National Team and winning a silver medal. In addition, he played for British Columbia in the 1993 Canada Games, which earned him a bronze medal.


The 1996-1997 season marked the rookie year for Steve Nash. As a rookie, he started only one game but later proved himself after having his 3-point accuracy noted as the second-best ever for a Phoenix Suns rookie. The following season, from 1997 through 1998, Steve Nash worked hard to improve his ‘points per game’ average and became one of the most improved players in the league. The following year, which marked the 1998-1999 season was trying for Steve Nash, who suffered a lower back injury that caused him to miss the final 10 games of the year. He still managed, however, to play in 40 games and continued to improve his ‘points per game’ average during those games that he participated in. Yet again, difficulty struck Nash in the 1999-2000 season when an ankle injury took him out of 25 games during the season. He appeared in 56 games that year with 27 starts and an average of 8.6 points per game.


As things began to look up for the youngster, the 2001-2002 proved to be his best ever. During this season, Steve Nash scored an average of 17.9 points per game, which marked a career-high. In addition, he was the only Maverick player to participate and start in all 82 games during the season. Fans who thought the previous year’s games were plentiful found themselves excited to see another brilliant season from Steve Nash, who ranked third in NBA assists during the 2003-2004 season.


The 2004-2005 NBA season marked great honor for Steve Nash, who joined an elite group of athletes to ever be named as the NBA’s Most Valuable Player for the guard position. He was named to the NBA All-Star Team for the third time in his career and finally began to garner the recognition that he had worked so hard to achieve. In 2005-2006, Nash was awarded his second consecutive NBA Most Valuable Player Award.


As the years have progressed, Steve Nash has improved his game and has proven that hard work and persistence really does pay off. After starting his NBA career with struggling ‘points per game’ averages and several injuries, Steve Nash made a comeback that kept coming back season after season.


Fans who would like to request a signed photo or simply send Steve Nash their best wishes are urged to do so in care of his NBA franchise team. If you are requesting an autograph, be sure to include a SASE (self-addressed stamped envelope) along with your request. Letters and requests should be mailed to:


Steve Nash


Phoenix Suns


201 E. Jefferson St.


Phoenix, AZ 85004


What to include with wedding invitations

Wedding invitations is one of the most important decisions that a bride and groom need to make when planning their wedding. Wedding invitations are often the first contact made between the bride and groom and their guests. This makes it important to make sure that all of the necessary items are included.


The first consideration is obviously the wedding invitations themselves. These should include the day, date, time and location of the wedding. It should also include the names of the bride and groom and the names of whoever is hosting the wedding if different than the bride and groom. If there is a reception following the ceremony, then this location should be included as well. The wedding invitations should match the overall tone and colour scheme of the wedding. This will alert the guests as to what to expect at the wedding, whether it is a formal or casual affair.


It is imperative to include reply cards within the envelope. This is just as important as the wedding invitations. This card will need to have spaces that the guest can use to fill in their name, whether or not they are attending the wedding, and the number of people who will be attending in their party. These reply cards should have a self-addressed, stamped envelope included for the guests to return. These reply cards are imperative to include with the wedding invitations.


Wedding invitations should also include information for out of town guests who will need to make travel arrangements for the wedding. The bride and groom should make sure to book a block of rooms at a local hotel. The hotel will likely give a discount. This information should then be included with the wedding invitations so that guests can take advantage of the lower rate as well as book their trip in advance.


The wedding invitations may need to include information about the reception if it is at a different location than the ceremony or at a later time. This would include the location of the reception, time, and directions to the reception site. This does not need to be anything as fancy as the wedding invitations, but is necessary for guests to have this information prior to the wedding.


There are special extras that can be included with wedding invitations in order to make them more elegant and appealing. This includes the traditional piece of tissue paper overlay on top of the wedding invitations or other embellishments. These additional touches will complete the look of the invitations and envelopes.


Wedding invitations are a lot of fun to choose. It is at this time that many brides and grooms really feel connected and reality of the wedding sets in. It becomes truly exciting!


Friday, September 16, 2016

First time buyers find help in mortgage plus

Obtaining a mortgage is one of the biggest financial responsibilities a person faces; it should not be entered into lightly. Whether you’re a first time buyer, or you’re thinking of refinancing, it takes careful planning to obtain this life-changing loan. It can be a long drawn-out ordeal if you don’t find the right lender or you get bad advice. Why not make the process easier, log onto to mortgageplus. ie to answer all your questions and choose from a wide range of credited lenders.


Most adults have a car loan (or two), and most every adult has a few credit cards they pay off monthly, but a mortgage is unlike any other loan you will ever get. All your future financial plans will need to be considered in the shadow of your monthly house loan payments. Mortgages can be a heavy burden indeed, remember this is a loan you’ll be paying off for a very long time to come. By logging onto mortgageplus. ie, you can apply on-line, search up-to-the-minute programs and calculate your future payments so you know exactly what you’re getting into.


Whether this is your first time for a house loan or you’re trading up, all the necessary tools to make an informed decision about a mortgage are here. Because our lenders are from all over Ireland, the competitive rates we find are lower than the ones you would get just walking into a bank. We even have programs in place to arrange 100% mortgages for our first time buyers. We treat you the same whether you are looking to buy your first property or your tenth. Our goal is to get each one of our clients into the property they want, at the rate the can afford.


All these figures can be daunting. This is a big step in your life and the life of your family (or future family). At mortgageplus. ie you will be shown through the process of obtaining a mortgage and leave knowing more about mortgages than you ever dreamed you could. Our experts take you through the process step-by-step, explaining every detail until you are fully satisfied. And best of all, our advice is FREE.


Why not try us as your one-shop-stop for a house loan? Forget the time-consuming hassle of walking into a bank and literally begging to be considered…especially if you are a first-time buyer! Forget all that back and forth, time-consuming, possibly humiliating scrutinizing of your credit. With a simple click of your mouse and some information you could be on your way to getting approved for your mortgage.


Set-up in 2002, mortgageplus. ie is on the cutting edge of Ireland’s current house market. To get up-to-the-minute advice, the very best rates and find a trustworthy lender, you need to be online with us. We have the programs in place to search for the very latest rates, while watching the rapidly fluctuating real-estate market. In no time you could be living in your dream house, with a mortgage that fits comfortably into your life.


Overview of an affiliate marketing program

An affiliate marketing program is a revenue-sharing marketing strategy where a merchant pays their affiliates a commission for referring business to their website. The webmaster signs up as an affiliate in the affiliate marketing program and gets a login id. He then collects information about the marketing material for the affiliate marketing program and uses it on his web site as banners, ad - links and search boxes. If a visitor to the website is interested in one of the affiliate marketing program links then he clicks the referred link and purchases the product. The marketer identifies that the particular sale has been through the affiliate marketing program, and he pays the affiliate his commission. By having an affiliate marketing program the owner does not pay for expensive advertising but pays when a sale, lead or subscription action occurs.


There are numerous benefits that an affiliate marketing program has to a marketer. Affiliate marketing programs have become one of the easiest way to advertise the products in the market. An agreement is formed between the website owner or affiliate and the merchant. The website owner allows the merchant to promote his product through his site and the merchant pays the affiliate commission for the sales generated through these sites via the affiliate marketing program. Affiliate marketing programs are a cost effective medium to provide brand awareness. It also provides a wider market for the merchant. The marketer gets a chance to identify new markets which he might not have thought of without the affiliate marketing program. Affiliate marketing programs have beaten the traditional advertising techniques by giving maximum exposure world wide. The affiliates can introduce the products and services to the niche markets which have been neglected and thus boost the business of the marketer.


There is affiliate marketing program software called Affiliate Network Pro which enables a person to start his own affiliate program. There are many features including multi-language, instant payment module, affiliate directory,, sales reports, anti fraud blocking, email messages and reminders etc. Financial affiliate marketing programs are also available which provide facilities such as auto loans, debt recovery and settlement programs, and the best converting payday loans.


Affiliate marketing programs are not just for customers, but it also provides a strategy for development of business to business partners. Here the merchant and the affiliate become partners. If a person owns a website, sells his products through the site, and if he pays other website owners, or bloggers for sending customers to his site, then he becomes the marketer. If you have a website and direct surfers to various merchants for services and products through blogs, or e-mail links then you become the affiliate. There are several merchants who are affiliates too. They have their own affiliate marketing program, receive traffic from other affiliates and they also direct traffic to other merchants in return for commission.


Thursday, September 15, 2016

Buying embroidery machines

Types of Embroidery Machines:


When shopping for embroidery machines, remember that there are different types of equipments that can be classified under embroidery machines, based on function, size and use. The most common types are those that need manual operation to create designs on fabrics and other materials, and are mainly used for fiber art and quilting projects. These are:


1. Embroidery only Machine: This unit is meant only for embroidery and can be a great accompaniment for sewing machines, and for creating simple embellishments of existing items. Portable, so best for homeowners who love to embroider.


2. Combination Embroidery Machine: This equipment combines sewing and embroidery features into one unit. Great for tailors or sewers who want to embroider too.


3. Commercial Embroidery Machine: Has multiple needles. Several colors can be threaded before starting work on the design so a lot of time is saved. Units can be large, so best for commercial and heavy use.


Computerized Embroidery Machines:


Computerized Embroidery Machines, though a little more expensive than conventional embroidery machines, are most convenient for hobbyists and professionals alike. These units are capable of automatically creating designs from pre-made patterns that are fed into them through CDs, floppy disks, or flash cards. They can also be connected to a computer to create custom designs.


The average Computerized Embroidery Machine costs around 500-600 dollars, along with the digitizing software program. Additional embroidery patterns can be bought from manufacturers, and other companies dealing with these kinds of embroidery accessories. However, many people prefer to create their own patterns by attaching the machine to a computer loaded with digitizing programs capable of resizing, editing and creating patterns.


Embroidery machine software programs can be divided into Commercial software – for custom designs, Machine-specific software – That can be downloaded for personal use, Independent-vendor software - An add-on for converting formats, Independent-designers software – which requires brand-specific hardware and software.


Important Features to Look for:


After you’ve made a decision to buy an embroidery machine that you like, don’t forget to double check if the equipment incorporates any of these important features:


1. Mirror-image capability - enables symmetry and balance in the pattern-creating process.


2. Cutaway Backing – enables cutting the excess with a pair of scissors.


3. Tearaway Backing – enables the excess to be torn away after fabric is embroidered.


4. Automatic needle threaders.


5. Bobbin: The spool that holds the thread. The stitches on the underside of the garment are formed by the Bobbin thread.


6. Presser foot - a tool that is used to hold the fabric steady and provides support and stability to the garment being embroidered.


7. Hoop – another embroidery tool to hold the fabric steady.


8. Embroidery Scanner - can scan custom designs and convert them into stitches.


Popular Embroidery Machines:


Some of the more popular Embroidery Machines that you might want to consider before buying one include those manufactured by Tajima and Melco such as Bernina, Pfaff, Babylock and Brother; and other brands like White and Simplicity.


Is organic the way forward

Businesses such as GuideMeGreen and the co-op offer a real alternative for people concerned with these issues and with businesses that combine a strong ethical dimension in tandem with making profits.


Here are some of the main features of organic farming:


• Organic farming severely restricts the use of artificial chemical fertilisers and pesticides.


• Instead, organic farmers rely on developing a healthy, fertile soil and growing a mixture of crops.


• Animals are reared without the routine use of drugs, antibiotics and wormers common in intensive livestock farming.


Synthetic dyes and ingredients such as Sudan1 were in the national news in February and can cause cancer. See food. gov. uk for further details. Genetically modified (GM) crops and ingredients are not allowed under organic standards.


Why Buy Organic?


It has never been easier to shop for organic food, and there has never been so much choice. Every food category now has an organic alternative. It's also common sense; organic food is good food. Good to eat, good for the environment, good for the small-scale farmers and the farm workers who produce it.


Chefs across the country are committed to using organic ingredients because plants from healthy soils and organically fed livestock provide us with more flavorful food. Organic foods allow true flavour to shine through unlike other non-organic foods that look and taste good but are often full of E numbers and artificial flavourings and ingredients.


By supporting local, sustainable and organic farms in your local community you also support the larger community of which we are all a part. By eating organic food you are providing the healthiest choice for your family and supporting the farms that provide us with healthy and ecological neighbourhoods.


The ‘go local’ food movement is flourishing – over 15% of people buy organic food locally and this number continues to rise as the number of farmer’s markets, box schemes, cafes and restaurants serving organic food increase. GuideMeGreen helps you to find locally produced foods which are fresher, healthier and more economical. It cuts down on transport costs and ‘food miles’ where an average shopping basket can include fruit and vegetables transported from all over the world.


Wednesday, September 14, 2016

How to homeschool your son or daughter

Now that you have concluded that homeschooling is the way to broaden the mind of your children, you must get ready for the thrill and the anguish - the highroad ahead is a bit uneven, nonetheless the awards are deeper than the struggles before you. Creating a well-adjusted and well-rounded individual is by no means a small victory.


It is imperative to check out your state laws on distance learning in your home sweet home. Some states need an assertion filed with the State's intellectual acquirement department. There are in essence 3 sections for homeschooling bills. These are: private classroom codes, distance learning course of study laws and equivalency laws. Find your state laws. You may in addition need to maintain a certificate that gives a history of the kid's academic accomplishment. It is noteworthy to be watchful into the legal demands in advance of your commencement of homeschooling. Some states further set conditions surrounding the certification and training the parent or teacher must acquire.


Seek for a support group. If you live in a welcoming or snoopy region, well-meaning acquaintances will try to discourage you. At the very least, they may put a lot of disturbed questions in your mind. A care group that is composed of cherish-minded public will seclude you from the adverse criticism, pressures and burdens of sustained kindergarten-goers. These groups will also be helpful when you want to plan fun events and take pleasure in visits to the zoo, museum, tours to the ice cream shops etc. Furthermore, if your youth befriend other home-schoolers they will be able to strengthen continuing ties that do not decline when their friends change as so many do who are in the public school system. These groups offer an imperative path for companionship.


The next noteworthy thing to do is to pick out a general education course of study. Depending upon the manner of homeschooling, you may adopt assorted tools that facilitate you in this process. The World Wide Web is also a rich means for homeschooling. Do some legwork and hunt for the material that is obtainable.


Homeschooling requires greatly of your self-discipline and hard work as well as your children's. Here is a thorough write up of the things you will need:


1) Excitement to broaden the mind


2) Hard work and determination


3) Self-discipline


4) Time and determination


5) Adjustability


6) Enthusiasm


Look at why you made the choice to opt for homeschooling. Your aspirations and your reasons are critical pillars on which the whole edifice of your kid's lessons depends. Furthermore, consult with your little kids. Ask them what they feel about homeschooling.


Designate a general education or custom-model of general studies that easiest suits your kids. Book keeping is an imperative part of homeschooling. It helps you and your children to be disciplined when you have a plan. Initiate a plan and review it with your children. Your child does not like to cram the mind 6-7 hours a day. Make allowance for him or her to dictate a portion of the time. Adjustability and fun are the cornerstones of homeschooling. Do not stuff too many skills into a single term or minute. Let the adolescent learn the skills that he is ready for.


Gentle parenting is the secret to successful homeschooling. Kids will make immense advances in comprehending and show larger excitement. They moreover turn out to be surprisingly well balanced and well informed when they are educated at home sweet home.


Tuesday, September 13, 2016

Diagnosing personality disorders

Personality traits are enduring, usually rigid patterns of behavior, thinking (cognition), and emoting expressed in a variety of circumstances and situations and throughout one's life (typically from early adolescence onward). Some personality traits are harmful to both oneself and to others. These are the dysfunctional traits. Often they cause discomfort and the person bearing these traits is unhappy and self-critical. This is called ego-dystony. At other times, even the most pernicious personality traits are happily endorsed and even flaunted by the patient. This is called "ego-syntony".


The Diagnostic and Statistical Manual (DSM) describes 12 ideal "prototypes" of personality disorders. It provides lists of seven to nine personality traits per each disorder. These are called "diagnostic criteria". Whenever five of these criteria are met, a qualified mental health diagnostician can safely diagnose the existence of a personality disorder.


But important caveats apply.


No two people are alike. Even subjects suffering from the same personality disorder can be worlds apart as far as their backgrounds, actual conduct, inner world, character, social interactions, and temperament go.


Diagnosing the existence of a personality trait (applying the diagnostic criteria) is an art, not a science. Evaluating someone's conduct, appraising the patient's cognitive and emotional landscape, and attributing motivation to him or her, is a matter of judgment. There is no calibrated scientific instrument that can provide us with an objective reading of whether one lacks empathy, is unscrupulous, is sexualizing situations and people, or is clinging and needy.


Regrettably, the process is inevitably tainted by value judgments as well. Mental health practitioners are only human (well, OK, some of them are...:o)). They hail from specific social, economic, and cultural backgrounds. They do their best to neutralize their personal bias and prejudices but their efforts often fail. Many critics charge that certain personality disorders are "culture-bound". They reflect our contemporary sensitivities and values rather than invariable psychological entities and constructs.


Thus, someone with the Antisocial Personality Disorder is supposed to disrespect social rules and regard himself as a free agent. He lacks conscience and is often a criminal. This means that non-conformists, dissenters, and dissidents can be pathologized and labeled "antisocial". Indeed, authoritarian regimes often incarcerate their opponents in mental asylums based on such dubious "diagnoses". Moreover, crime is a career choice. Granted, it is a harmful and unpalatable one. But since when is one's choice of vocation a mental health problem?


If you believe in telepathy and UFOs and have bizarre rituals, mannerisms, and speech patterns, you may be diagnosed with the Schizotypal Personality Disorder. If you shun others and are a loner, you may be a Schizoid. And the list goes on.


To avoid these pitfalls, the DSM came up with a multi-axial model of personality evaluation.


Sorry dmoz is not home - please leave a message

That’s exactly the message I feel I am getting every time I visit Dmoz. org to try and list another website into its directory. You visit the site, leave your directory submission (your message), and never hear from them! Yes, it takes a long time to have your website reviewed for submission and it gets you thinking if they are even home in the first place. I have had many questions and complaints about Dmoz and have tried to answer them as correctly as possible. But the common question is “when will they return my call?”


For those of you who are new to the term “Dmoz”, it is the Open Directory Project which is the largest and most comprehensive human edited directory of the web. For your website to be accepted into Dmoz, it has to be reviewed by a human editor. If accepted, then your site is seen as a trusted source by search engines, especially Google. Combined with some SEO work, it will give you that extra boost within the rankings, however the only problem is that the editors take a long time to review the websites.


If you take a look at how many volunteer editors they have (71,816 last time I checked), compared to the number of website submissions they receive (we’re talking hundreds and thousands of websites), then obviously it will take a long time for the editors to get around to yours. To add to that, theses editors work for free and each one is assigned to a certain category for reviewing websites. The worst case scenario, you have a new website that has just been submitted to a category with the least number of editors monitoring it, which explains the long waiting time (up to 2 years, if not longer).


When Dmoz first started (1998), it took no longer than 6 weeks to have you website listed into their directories. With demand now running high, the wait is a lot longer and editors are a lot more selective. Never the less, there is no need to get frustrated as there are alternatives to gaining links from a combination of other sources that are just as effective as a link from Dmoz. For instance, you can submit your website to various directories such as Yahoo! and find many other resources on the web on ways to improve your link popularity. If you perform any search and look at the top five websites, you will notice that in most cases these websites do not have a Dmoz listing. This shows that some ethical SEO work and incoming relevant link building will get you those desired ranks.


Having said all that, there is no need to wait for Dmoz to come around. All focus should be diverted on other ways to improve your search engine rankings. If you don’t hear from Dmoz, then there is no reason to get frustrated on their lack of efficiency, for your goals can be much easily attained through other sources. On the other hand, if you do hear from Dmoz, take it with a smile and be sure to make good use of their listing with some search engine optimisation for your website.


Monday, September 12, 2016

Great christening and baptism keepsake ideas

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A baby’s christening or baptism is a very special occasion. It is the very first step in their spiritual life so there should be as many keepsakes of the day as possible. Since the baby won’t have any first-hand memories of this special day, it’s up to the parents, godparents and family members to create lasting memories for them.

There are always the popular items that make treasured keepsakes, but there are many other ideas that might get overlooked. For instance, are the invitations just for inviting guests to the celebration and providing all the important details? That is their main purpose, but saving just one of them to be framed or placed in a memory album/scrapbook will create a lasting souvenir of the occasion.

Here is a list of some more obvious and not-so-obvious items that make great baptism or christening keepsakes creating lifetime memories for the baby.

  • Gown or Outfit – Choosing heirloom quality fabric and taking the proper storage measures will help preserve the gown or outfit for future generations or just for a lasting remembrance.

  • Accessories such as shoes, socks, bib, blanket, bonnet, towel, headband, boutonniere - They all add an extra special touch to the gown or outfit and make great mementos.

  • Favors – These are perfect for showing appreciation to guests and giving them a take-home token. Many types of favors can be personalized.

  • Certificate – This is a great way to create a written record of the baptism or christening that can be framed and displayed.

  • Bracelet – What could be more precious and beautiful than a baby bracelet adorning the infant on her special day?

  • Personalized Gifts – These are normally items designed specifically for a christening or baptism such as a photo album, photo frame, Bible, cross plaque, doll, prayer bear, or candle. They are extra special because of the personalization.

  • Share of Stock with Framed Certificate – This is a gift that will educate and grow with the child throughout their life and the personalized frame will commemorate the date of their baptism or christening.

    Godparents, in particular, should really consider giving their godchild a keepsake gift since part of their responsibility is to help the child grow in their spirituality. Since their baptism or christening is the beginning of their spiritual life, it should always be remembered. There are special godchild, goddaughter, and godson gifts available that can be personalized with the baby’s name and the date.

    Keepsakes are a wonderful way to honor the memory of a baby’s christening or baptism through the years as they grow, both physically and spiritually.
  • Reward yourself

    Looking better and feeling great may be their own rewards when you lose weight, but it never hurts to reward yourself for reaching goals and sticking to your eating plan. Building in incentives is a time-honored way of helping keep yourself on track. Did you pass up that piece of cheesecake at lunch? Reward yourself with a pot of fresh herbs! Did you get out and exercise for your daily half-hour? Take a luxurious bath with scented oils. Went the whole week without falling off your new routine? That calls for a big reward! Treat yourself to an evening out, or buy that book you've been dying to read.


    Need some excuses for rewarding yourself? Try setting one of these goals to give yourself something to shoot for:


    1. Weight loss goals.


    Pretty traditional here - treat yourself to something special whenever you can mark off ten pounds toward your goal weight. Get a manicure to make you feel extra special.


    2. Look, Ma, I dropped a whole size!


    Well, that certainly calls for buying yourself something in that new size, even if it's just a pair of new exercise sneakers!


    3. Whew! I made it ALL the way through the half-hour workout without stopping ONCE!


    Now that's impressive! Call your best friend or your mom and brag - or just chat. Even if it's long distance.


    4. I didn't do it! That chocolate chip cookie dough sundae was calling my name, but I turned my back and walked away.


    In that case, don't you think you deserve fresh flowers for your


    desk?


    5. I finally fit into THAT dress!


    I'd say that calls for wearing it out somewhere special, wouldn't you? Take yourself out dancing to show it off!


    6. I lost weight for the third week in a row. I'm so proud of myself!


    Here's an ongoing reward - for every pound you lose, drop a dollar or two into a jar, and watch the money build up. Entertain yourself with plans on how you'll spend it when you reach your goal weight.


    7. I got stuck for three weeks, but I finally budged from that plateau!


    I'll tell you what - sticking to a diet when you're not seeing results is one of the hardest things that you'll ever do. Get yourself something that will make it easier to reward yourself. For example, buy a blender for whipping up frozen fruit smoothies.


    8. I'm halfway there!


    You deserve a Halfway Party, don't you think? Pull out all your old fat clothes and try them on so you can feel great about how far you've


    come.


    9. I've been slugging away forever, and I'm starting to get


    discouraged...


    Okay, so it's not a 'reward' situation -- but it is. You deserve a reward for sticking to it this long. Want a quick pick-me-up? Pick up the phone and get together with someone you haven't seen in months. This will guarantee that you’ll receive compliments at how great you look!


    10. I did it! I made it! I reached my goal weight!!


    Well, sweetheart, that calls for pulling out the stops! Remember that money you've been paying yourself for losing weight? Time to cash it in for something fabulous!


    Eating healthy and losing weight are gifts that you give yourself, though they may not feel like it at first. By rewarding yourself along the way, you’ll not only increase the chances of your success, but you’ll enjoy the process a whole lot more!


    Live happier and healthier herbally with herbal vitamins

    Herbal products have become extremely popular in recent years. There are herbal supplements, herbal vitamins, herbal weight loss pills, and even herbal Viagra. Most herbs are geared toward better health and improved stamina without the use of over-the-counter or prescription medications; however, herbal products should still be used with caution. Let's take a look at some of the most popular herbal products and see what each has to offer.


    Herbal Weight Loss Products


    Probably one of the most popular uses for herbal products is to enhance weight loss. There are natural appetite suppressors such as Hoodia and its equivalent extracts, fat burners, nutritional supplements, carb blockers, laxatives, and other products that can help enhance weight loss if used correctly. Herbal appetite suppressors can help keep your appetite to a minimum throughout the day, thus, causing you to eat less than usual. Nutritional supplements can be taken to replenish your body of much-needed vitamins. Fat burners can enhance your metabolism and cause it to burn more fat.


    Herbal weight loss products are not meant to replace food or to assist you in starving yourself to lose weight. Instead, they help you control your portions at each meal and resist the urge to snack in between meals. Your weight loss rewards can be even greater if you use herbal supplements along with healthy food choices.


    Herbal Energy Vitamins for Mind and Body


    You may also benefit physically and mentally by taking herbal energy vitamins. These help stimulate mind and body to improve your physical strength and mental state. Some ingredients used in energy herbs include extracts such as Avena Sativa, Guarana Seed, Panax Ginseng, and many others. These types of herbal products enable you to exercise more and be more active while also clearing and sharpening your mind.


    Herbal Vitamins for Men and Women


    There are a variety of herbal products designed to help men and women with their specific needs. For example, women who suffer from hormonal imbalances, menstrual or menopause problems, and even sexual problems may benefit from herbal vitamins.


    The herbal vitamin Femline helps balance hormones and reduces mood swings using ingredients such as St. John's Wort and Magnesium. Menoplay combines extracts equivalent to Wild Yam, Black Cohosh, and others to reduce menopause symptoms. For men, there's herbal Viagra or similar herbs to help improve libido.


    There are also herbal vitamins for calming purposes, improved heart health, lower cholesterol, colon cleansing, liver tonic, antioxidants, improved memory, decreasing stress, and many others.


    As with any herbs or medicines, check with your doctor before trying herbs if you have a pre-existing health condition or if you are currently taking medications. Some herbs do not mix well with certain medications, or can be harmful if taken while suffering from certain health conditions. Choose herbal products wisely and check labels or read product descriptions online to see what ingredients are included.


    With so many online herbal stores and local health stores that carry a variety of herbal vitamins, you can easily find herbs to meet your needs. Visit an online herbal store today to start living happier and healthier herbally.


    Sunday, September 11, 2016

    Credit card applications online

    Are you looking for a new credit card? If so, the World Wide Web is the best place to begin your search. Filling out credit card applications online is faster, easier, and more secure than ever before. Here are some of the benefits you’ll enjoy when you apply with an online credit card application.


    A Wide Selection


    You probably get many credit card offers in the mail. While this may seem convenient, the information you receive is limited. You only learn what one particular card has to offer. You could miss your chance to apply for a credit card that truly fits your needs.


    The Internet gives you access to a wide variety of credit card applications. Whether you are looking for low interest rates, cash back programs, free miles or other rewards, you will be able to find it online. If you have poor credit, search for “bad credit credit cards” and you will find many that are made for your situation. If your credit history is solid, add the words “good” or “excellent” to your search.


    Convenience


    When you apply online for a credit card, you’ll find a vast assortment of options right at your fingertips. You can search for a card application any time, day or night, that is convenient for you. The terms and conditions of each card are also available online.


    When you apply online, you will often be able to find out if you are approved for the card within a matter of minutes or even seconds. This saves you the time of sending in an application through the mail and waiting for weeks to find out if you have been approved. Once you have been approved, the card will be sent to you in the mail.


    Choosing a Card


    Before you fill out a credit card application online, think about what type of credit card you need. If you plan on carrying a balance from month to month, you might look for a card with a low interest rate. If rewards are what you’re after, you have plenty of options to choose from, including airline miles, gift certificates, gas rebates, cash back, and more. You’ll also want to look into the annual fee and interest rate. Many cards come with introductory offers, such as 0% APR on purchases and balance transfers. Some lenders offer a fixed interest rate, while others include a variable one. You will want to think about these factors, and possibly others, as you decide on a credit card.


    The online application process is simple. Be ready to provide basic information, including your date of birth, social security number and home address. Some credit card applications also request information regarding your housing situation, income level and employment status.


    When you have filled out the credit card application online, hit “send” to submit it. You will most likely receive a confirmation e-mail regarding your application. You’ll find out soon whether or not you have been approved. Once your card arrives in the mail, you can begin using it right away.


    With the Internet, applying online for a credit card has never been easier. Start the process today. You’ll soon enjoy the benefits of your new card.


    How to get approved for a personal loan with bad credit or no credit

    For a regular bank loan officer this implies that he is considering lending money to a high risk client, because these kinds of records are known to lead to late payments and default.


    Bad Credit Personal Loan Lenders


    There are however other financial institutions willing to approve loan applications for people with bad credit. You should bear in mind though, that these financial institutions usually charge a higher interest rate. This is due to the higher risk involved for the lenders when lending to people with past financial problems.


    Nevertheless, your credit history will be checked if you apply for a loan. Your credit report will almost always be pulled and your credit score will be taken into consideration. But you don’t need to despair; there are many ways to increase your chances of getting approved for a personal loan even with bad credit.


    Bad Credit Secured Personal Loans


    If you have any asset you can use as collateral, the smart thing to do is to apply for an unsecured personal loan. In this type of loan your credit rating becomes less important as the value of the asset will be guaranteeing the loan repayment.


    This means that if you fail to pay the monthly installments, the lender has a legal claim on your property and you risk repossession.


    Pondering the loan amount


    Reducing the loan amount is another way of increasing your chances to get approved. The loan amount is another factor that plays along with the others so if you can reduce the amount of money you request, the requirements for approval will be less strict. That being said, you should always request the strictly necessary and not a dollar more.


    Late and missed payments


    You should avoid missing payments. Make sure all your bills and loan installments are up to date. Late payments will also have negative effects on your ability to get approved. Usually people belittle these two factors but it has such importance that it may imply that you get blacklisted for loans for a long period of time.


    Applying to the right lenders


    If your credit is too bad, don’t waste your time with banks and other mainstream lenders, they’ll pull your credit report just to decline your application and this will affect your credit score negatively. At this point, you should aim to financial institutions specialized in bad credit loans. These firms focus on customers with past credit problems and are ready to deal with their needs.


    You should bear in mind though that the interest rate charged for such loans is higher than the one you would get from a bank. You may be able to reduce the interest rate by offering collateral or applying for a personal loan with a co-signer.


    Search for your loan Online


    When it comes to finding a lender willing to approve a bad credit personal loan, online lenders are the best options. Due to their online nature, they have lower costs and thus charge lower interest rates. There are also some online firms that offer access to many lenders in a single site, so you won’t need to search around for a lender and you’ll be able to compare loan quotes from the comfort of your home.


    Saturday, September 10, 2016

    Learn internet marketing from real experts

    When it comes to making money online the fastest way to get yourself over the initial learning curve, is to join a coaching or mentoring program that will provide you with the tools that you need to ensure your success.


    Unfortunately, all the internet “experts” that talk about being able to offer you the best coaching package online are not always able to deliver on their promises. Being able to create success for yourself is one thing, but being able to replicate the materials that will show others how to create that success is an entirely different thing.


    In the last 12 months a number of “learn internet marketing” coaching opportunities have appeared online and are being run by people who are not trained life coaches, mentors or teachers. They have the belief that their success somehow qualifies them to begin teaching someone else how to do it too. But learning success from a book or being inspired by the success story of someone, and actually being able to motivate and inspire an adult to learn something you are teaching is very different.


    One of the first mentoring programs I embarked upon was with an experienced internet marketing company who charged over $6,000 and yet 6 months later, despite the promises and glossy paperwork that showed the 6 figure sums their past participants were all making, I had nothing to show for it (well not entirely true, I had acquired a lot of new found knowledge but still nothing to sell and I made no money). One of the things missing was the fact that I had no product, or any idea about what I wanted to do online, and despite being told that didn’t really matter, it actually did in the end.


    My second coaching program with an experienced internet marketer proved to be more rewarding. The opportunity to connect with other people plus learn from some of the best internet marketing experts out there (I guess when you are well known you can pull in all your well known friends to help you out!) made a huge difference. This is still an ongoing program and taught me a lot about how to make money online but still lacked the structure needed to teach a complete business system. I was looking to build a business structure not just earn some money.


    So when the opportunity arose to take part in a coaching program that was run by the very Life Coach who taught these internet marketing experts I jumped at the chance. Being quite clear that investing in this high end coaching program was an investment in the future of my business. I also understood that the only way to experience success is to learn from those who have already experienced success in that area – (well actually it’s not the only way, you could learn from making your own mistakes and take twice as long to experience results!). Plus, the added bonus was being coached by a qualified life coach, which for me only added to the excitement of joining.


    What I was looking for was a way to build the internet structure that would run my business, not just make a few thousand dollars a month, but actually build a large company that is run by other people so I can spend my time travelling the world attending internet marketing events and bringing back what I had learnt to my team!


    Many people are promised the dream of sitting on the beach while money pours into their bank account, and whilst this is possible, what they neglect to mention is the fact that it takes years to achieve, and even after achieving it you are still tied to a business that needs constant attention. Talk to any “overnight success” and they will paint the real picture for you of what it took to get them to that point. The more realistic dream is to look at building a business that is put together so that each part of your business adds value and revenue to your profit margin.


    But joining these coaching programs is about so much more than just learning how to build a business, ultimately your success will depend on who you know, not what you know. You can have the best product in the world but if no one can find it then you will not be making many sales.


    When you join an exclusive coaching program you will usually get access to the expert running it (if it is a decent program). They will want you to be one of their success stories so will go out of their way to help you. When you have a successful internet marketer promoting your product (if they offer that service) then people are more likely to take notice of you. You have invested in them by buying their services so they are more likely to invest their time in you by supporting you in whatever way possible.


    It is important that when considering who you will be learning from you take a good look at what you will be taught and how. Forget promises on a web page, and instead focus on :


    Can I actually interact with the person who is running the program?


    Is it possible to earn revenue from referring the program to others?


    What is the vision for all the members of this coaching program?


    Are there joint venture opportunities available with other members?


    What guarantees do they offer?


    Do they offer the opportunity to promote your product?


    Who have they successfully worked with in the past?


    What resources are made available to you?


    How much time commitment do you have to make to the program?


    How quickly can you expect to see results if you consistently follow their program?


    Are they dedicating all their time to teaching their clients or are they focused on other things?


    All of these are important questions to consider when investing in a high end coaching program if you want to ensure your investment helps you create the profitable business you desire.


    Standing on the shoulders of giants, learning from the experienced internet marketing experts who have successfully and consistently made their living online is an amazing experience. It saves you time, energy and money because you will not waste precious time (sometimes years) on working on something that doesn’t bring results. I highly recommend you invest in yourself and your business if you are serious about building a lifestyle that includes a profitable business.