What s hot about cool touch laminators

Laminators are not longer just being used in large office buildings or printing plants. Today many people are opting for a home laminator that preserves and protects a wide range of important paper products. Schools have also gotten in the laminating swing of things by creating colourful and lasting memories of the children’s projects, self-made books and other artwork. Take a look at some of the many uses for laminators. Where to Use a Desk Top Laminator Desk top laminators are a popular addition to home offices because of their many uses. They generally take sheets of laminating film and can laminate projects as large as 9” x 12”. Some home laminator models are cool touch on the outside so they are safe even for children to use themselves. The finished project comes through the system cool as well so little hands can handle them right away. Here’s a list of some popular items to laminate at home: 1. Recipe cards 2. IDs and Social Security Cards 3. Important documents such as birth certificates and marriage licenses. 4. Book marks 5. Children’s flash cards and study aids 6. Family chore charts 7. Children’s homemade placemats 8. Photographs 9. A babysitter’s contact and checklist 10. Papers with poems, quotes, or lists of any kind. There are also many home business applications for a desktop laminator. You can laminate business cards or phone lists. If you use supplies in your business an inventory reorder list or documentation for procedures can be preserved month after month. Industrial Sized Laminators The larger, industrial laminating machines are able to take large rolls of laminating film which allows you to laminate continuously with foot after foot of durable plastic. The extra wide width also accommodates extra large projects. Many businesses such as printers will laminate printed materials for their customers on these machines. Some examples are menus, book covers or charts. These laminators use high heat for a lasting seal. Making Efficient Use of Your Laminator If you are still questioning whether or not you would actually use a laminator, remember that smaller projects can be lumped together to save time and money. If you have several small photos, for example, that you want to laminate, you can place as many as will fit on a 9” x 12” sheet together and send them on one pass through the laminating machine. Just be sure to leave enough space between each item and the edge of the sheet for a good, strong seal of film to film. When trimming your laminated project, leave between 1/8 and ј” along the edge so the seal remains in tact. This will keep the project securely protected day after day. Remember when purchasing a laminator to choose a size a bit bigger than the largest project you currently think you will need it for. You can always group items, but you can’t get anything bigger through the machine. It is limited by the feed width and size of the laminating film.



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International telephone calling tips

If your business requires overseas communications with suppliers or customers; or if you have a loved one living or traveling abroad; you know that the cost for overseas calls can come as a shock to your budget and cause you heartburn if you think what the future may have in store. Calling rates vary from country to country, so the impact on your telephone bill could be dramatic, but there are a few things that you can do to help lessen the costs in the future. • Calling Overseas Mobile Devices: Be very careful when placing telephone calls to mobile devices overseas. There are many overseas carriers that use a "calling party pays" system when calling mobile devices (cell phone, pager, etc.) originating from within the United States. It is entirely possible that the tariff rate for an overseas wireless phone might be considerably higher compared to a call placed to a land-line in the same country. This surcharge is referred to as an “International / Special Services Termination Rate”. It should be listed on your carrier’s International calling plan rate schedule. U. S. carriers do not have a choice in this matter and it does you no good to complain to your local provider regarding what you may perceive as excessive charges that appear on your telephone bill. • Direct Dialing or Dialaround: Depending upon the country you are calling, you may get an overall attractive calling rate by dialing direct; accessing the network by dialing 011 + country code + city code plus the local number. However, you may want to consider using a dialaround service if your local plan charges a high tariff for a country you intend to call regularly. These services are also referred to as a 10-10 number. You do not need to switch long distance carriers to use a dialaround number and it can be used in many foreign countries as well to call home. These services usually have very competitive International rates and can save you considerable sums. Be advised, however, that you will not be able to use a dialaround service if you must dial 8 or 9 to access your dial tone, such as from an office or hotel. • Operator Assistance To Place Calls: Never, ever, use an operator to place an International call unless it is an absolute emergency. Obviously for every rule there are exceptions, collect calls, person-to-person and third party billing are examples, but whenever possible dial direct or use a dialaround service. When I first moved to Indonesia several years ago I called my son on his birthday using the local operator and we talked for about an hour. This was before I got into this business. My phone bill was in excess of $100. A dialaround service, which was not available at the time, would have cost me about $15.00 or less. When using the operator to place your call here are some helpful hints. The best way to place your call is to dial “0” followed by the number you wish to call, such as 0-123-456-7890. This will help make the connection faster. This method could be less expensive depending upon the carrier. The standard way is to dial “0” or “00” for International calls and tell the operator the number you wish to call and any special instructions such as collect or person-to-person. • Prepaid Calling Cards: Using a prepaid card is yet another way to save money on International calls. Prepaid calling cards are portable and provide some protection against unseemly practices by the telecoms. You need to consider if there are any extra charges for the time and place of your call such as connection fees, maintenance or monthly fee, the billing increment of your call, and expiration date of the card. If you intend to use calling cards on a regular basis then consider a rechargeable card that will not expire. • Calling FROM a U. S. Based Cell Phone: There are countless horror stories on the Internet about how much some consumers have been “charged” (ripped off) by cellular providers for International calls. Fortunately, you can save substantial sums of money on these types of calls by planning ahead. You need to look for "stand alone" International calling plans that allow you to dialaround your cellular carrier, essentially bypassing their network for the International part of the call. The stand alone plan provides a substantial discount off the cellular provider’s rates for International calls. The best part is that you do not need to change your cellular carrier to use the system. Simply register your cell phone number with the system provider and dial their U. S. access number provided to you before making your International call. • Placing Your Call: As mentioned above, if you are dialing direct you would dial: 011 + country code + city code + number. On the other hand, if you are using a dialaround provider, you would dial: 10-1x-xxx + 011 + country code + city code + number. In addition, keep in mind that there are about 20-countries outside of the U. S. where you would just dial 1+ without dialing the 011. The “10-1x-xxx” represents the specific dialing code for the provider that you have selected. Contact your selected dialaround provider for the exact dialing requirements to access their system. • Voice over IP (VoIP): Voice over IP (VoIP) stand for Voice over Internet Protocol and can be a very inexpensive way to handle International calls. You need to have a broadband Internet connection available, such as a DSL or cable connection, and a touch tone phone. Using VoIP can also provide unlimited long distance service as well. Plans can be obtained for about $50.00 or less per month. For more information about VoIP, go to http:// globalvalueconnect. com/VoIP. htm By Raymond Klesc Global Value Connect http:// globalvalueconnect. com



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Business cash flow surviving the 1st year

Copyright 2006 business-cards. com You’ve dreamt of it, you planned it, nursed it and dragged it screaming to the grand opening day – your business that is. Are you exhausted, and well and truly ready for a rest? Better not be. It’s a sobering fact indeed but over 70% of registered businesses fail before their first anniversary of trading, (Australian Bureau of Statistics Annual Report 2004). And why does this happen? In the majority of cases, 66%, its problems with cash flow. Cash flow, or rather the lack of it, seems to be the clear number one enemy of a fledgling business. Firstly what is cash flow? Well simply put – let’s say you make widgets for sale. To prepare, there was machinery, a place to put it and some staff to help you operate it. There was insurance to pay, licences to buy, electricity to be put on, and a phone to take all those orders … and lots more too you can be assured! Now you’re making your widgets, you had to buy the raw materials, and dispose of the waste. You marketed them, and spent lots of time answering customer’s questions. Packaging had to be designed and manufactured, and transport had to be organised to get those widgets delivered. And hey – it’s been three months of hard work, but now you see you’ve sold over 1000 widgets. That’s well ahead of the business plan and all good news … isn’t it? Add up ALL the money you’ve spent to date. Now have a look at the income you’ve received. It’s likely that the only revenue you’ve received is for the first few widgets you sold way back in January. At the same time, all your cash has been spent making those first 1000 widgets. So where’s the income? Has there been a robbery? No, it’s the hard cold cash flow devil throwing its weight around. To explain: A large customer ordered 20 widgets from you on the 5th of January. You delivered them on the 7th of January. You sent an invoice for the delivery. On the 4th of February you sent your customer a statement with the invoice listed. In the meantime the customer has ordered a further 20 widgets which you supply in good time. Several other customers also order, and are supplied on similar terms. It’s March now and you call the first customer to check on the progress of your January invoice. The accounts payable lady is very helpful and explains that their terms with you are 60 days. She says to look out for the check in mid April. Nothing untoward, just normal practice. The penny drops, your income stream will be delayed by at least 80 days! A few nasty bills come in and all of a sudden, you’re out of business, unable to pay wages or buy materials. That’s cash flow. A final thought. ‘A force that can work against you, can alternatively work for you’.



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Home equity line breakdown

Home Equity Line of Credit in a Nutshell More and more lenders are offering home equity lines of credit. By using the equity in your home, you may qualify for a sizable amount of credit, available for use when and how you please, at an interest rate that is relatively low. Furthermore, under the tax law-depending on your specific situation-you may be allowed to deduct the interest because the debt is secured by your home. If you are in the market for credit, a home equity plan may be right for you or perhaps another form of credit would be better. Before making this decision, you should weigh carefully the costs of a home equity line against the benefits. Shop for the credit terms that best meet your borrowing needs without posing undue financial risk. And, remember, failure to repay the line could mean the loss of your home. What Is a Home Equity Line of Credit? A home equity line is a form of revolving credit in which your home serves as collateral. Because the home is likely to be a consumer's largest asset, many homeowners use their credit lines only for major items such as education, home improvements, or medical bills and not for day-to-day expenses. With a home equity line, you will be approved for a specific amount of credit-your credit limit-meaning the maximum amount you can borrow at any one time while you have the plan. Many lenders set the credit limit on a home equity line by taking a percentage (say, 75 percent) of the appraised value of the home and subtracting the balance owed on the existing mortgage. For example: Appraisal of home $100,000 Percentage x75% Percentage of appraised value $75,000 Less mortgage debt -$40,000 Potential credit line $35,000 In determining your actual credit line, the lender also will consider your ability to repay, by looking at your income, debts, and other financial obligations, as well as your credit history. Home equity plans often set a fixed time during which you can borrow money, such as 10 years. When this period is up, the plan may allow you to renew the credit line. But in a plan that does not allow renewals, you will not be able to borrow additional money once the time has expired. Some plans may call for payment in full of any outstanding balance. Others may permit you to repay over a fixed time, for example 10 years. Once approved for the home equity plan, usually you will be able to borrow up to your credit limit whenever you want. Typically, you will be able to draw on your line by using special checks. Under some plans, borrowers can use a credit card or other means to borrow money and make purchases using the line. However, there may be limitations on how you use the line. Some plans may require you to borrow a minimum amount each time you draw on the line (for example, $300) and to keep a minimum amount outstanding. Some lenders also may require that you take an initial advance when you first set up the line. What Should You Look for When Shopping for a Plan? If you decide to apply for a home equity line, look for the plan that best meets your particular needs. Look carefully at the credit agreement and examine the terms and conditions of various plans, including the annual percentage rate (APR) and the costs you'll pay to establish the plan. The disclosed APR will not reflect the closing costs and other fees and charges, so you'll need to compare these costs, as well as the APR's, among lenders. Interest Rate Charges and Plan Features Home equity plans typically involve variable interest rates rather than fixed rates. A variable rate must be based on a publicly available index (such as the prime rate published in some major daily newspapers or a U. S. Treasury bill rate); the interest rate will change, mirroring fluctuations in the index. To figure the interest rate that you will pay, most lenders add a margin, such as 2 percentage points, to the index value. Because the cost of borrowing is tied directly to the index rate, it is important to find out what index and margin each lender uses, how often the index changes, and how high it has risen in the past. Sometimes lenders advertise a temporarily discounted rate for home equity lines-a rate that is unusually low and often lasts only for an introductory period, such as six months. Variable rate plans secured by a dwelling must have a ceiling (or cap) on how high your interest rate can climb over the life of the plan. Some variable-rate plans limit how much your payment may increase, and also how low your interest rate may fall if interest rates drop. Some lenders may permit you to convert a variable rate to a fixed interest rate during the life of the plan, or to convert all or a portion of your line to a fixed-term installment loan. Agreements generally will permit the lender to freeze or reduce your credit line under certain circumstances. For example, some variable-rate plans may not allow you to get additional funds during any period the interest rate reaches the cap. Costs to Obtain a Home Equity Line Many of the costs in setting up a home equity line of credit are similar to those you pay when you buy a home. For example: A fee for a property appraisal, which estimates the value of your home. An application fee, which may not be refundable if you are turned down for credit. Up-front charges, such as one or more points (one point equals one percent of the credit limit). Other closing costs, which include fees for attorneys, title search, mortgage preparation and filing, property and title insurance, as well as taxes. Certain fees during the plan. For example, some plans impose yearly membership or maintenance fees. You also may be charged a transaction fee every time you draw on the credit line. You could find yourself paying hundreds of dollars to establish the plan. If you were to draw only a small amount against your credit line, those charges and closing costs would substantially increase the cost of the funds borrowed. On the other hand, the lender's risk is lower than for other forms of credit because your home serves as collateral. Thus, annual percentage rates for home equity lines are generally lower than rates for other types of credit. The interest you save could offset the initial costs of obtaining the line. In addition, some lenders may waive a portion or all of the closing costs. How Will You Repay Your Home Equity Plan? Before entering into a plan, consider how you will pay back any money you might borrow. Some plans set minimum payments that cover a portion of the principal (the amount you borrow) plus accrued interest. But, unlike the typical installment loan, the portion that goes toward principal may not be enough to repay the debt by the end of the term. Other plans may allow payments of interest alone during the life of the plan, which means that you pay nothing toward the principal. If you borrow $10,000, you will owe that entire sum when the plan ends. Regardless of the minimum payment required, you can pay more than the minimum and many lenders may give you a choice of payment options. Consumers often will choose to pay down the principal regularly as they do with other loans. For example, if you use your line to buy a boat, you may want to pay it off as you would a typical boat loan. Whatever your payment arrangements during the life of the plan-whether you pay some, a little, or none of the principal amount of the loan-when the plan ends you may have to pay the entire balance owed, all at once. You must be prepared to make this balloon payment by refinancing it with the lender, by obtaining a loan from another lender, or by some other means. If you are unable to make the balloon payment, you could lose your home. With a variable rate, your monthly payments may change. Assume, for example, that you borrow $10,000 under a plan that calls for interest-only payments. At a 10 percent interest rate, your initial payments would be $83 monthly. If the rate should rise over time to 15 percent, your payments will increase to $125 per month. Even with payments that cover interest plus some portion of the principal, there could be a similar increase in your monthly payment, unless the agreement calls for keeping payments level throughout the plan. When you sell your home, you probably will be required to pay off your home equity line in full. If you are likely to sell your house in the near future, consider whether it makes sense to pay the up-front costs of setting up an equity credit line. Also keep in mind that leasing your home may be prohibited under the terms of your home equity agreement. Comparing a Line of Credit and a Traditional Second Mortgage Loan If you are thinking about a home equity line of credit you also might want to consider a more traditional second mortgage loan. This type of loan provides you with a fixed amount of money repayable over a fixed period. Usually the payment schedule calls for equal payments that will pay off the entire loan within that time. You might consider a traditional second mortgage loan instead of a home equity line if, for example, you need a set amount for a specific purpose, such as an addition to your home. In deciding which type of loan best suits your needs, consider the costs under the two alternatives. Look at the APR and other charges. You cannot, however, simply compare the APR for a traditional mortgage loan with the APR for a home equity line because the APRs are figured differently. The APR for a traditional mortgage takes into account the interest rate charged plus points and other finance charges. The APR for a home equity line is based on the periodic interest rate alone. It does not include points or other charges. Disclosures from Lenders The Truth in Lending Act requires lenders to disclose the important terms and costs of their home equity plans, including the APR, miscellaneous charges, the payment terms, and information about any variable-rate feature. And in general, neither the lender nor anyone else may charge a fee until after you have received this information. You usually get these disclosures when you receive an application form, and you will get additional disclosures before the plan is opened. If any term has changed before the plan is opened (other than a variable-rate feature), the lender must return all fees if you decide not to enter into the plan because of the changed term. When you open a home equity line the transaction puts your home at risk. For your principal dwelling, the Truth in Lending Act gives you three days from the day the account was opened to cancel the credit line. This right allows you to change your mind for any reason. You simply inform the creditor in writing within the three-day period. The creditor must then cancel the security interest in your home and return all fees-including any application and appraisal fees-paid in opening the account. Reward yourself for your good credit! No lump sum at close of Escrow! You may use the money for remodeling, college, vacation, investments or money needed over a long period of time. You have access to your credit amount through checks or credit card. Your payment is based on the outstanding balance for any month (Not on the entire credit amount!). The money you pay back can be used over and over again. You can also use the money for the first 5 years (draw period) and must be paid back during the last 10 years (payback period). You interest rate is adjustable based on prime +. During the draw period, you can make a minimum payment of 1% any month. In the pay back period, the full rate is paid. This is especially great if you need some cash but plan to pay off the loan in less than 5 years because you will pay less interest during that time! Good credit scores are usually required - because of the risk.



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Christmas article 3

3. Fancy Tales Related to Christmas A lot of what is widely regarded as true about Christmas or held as a tradition cannot or has not been verified, or, has changed through the years. Even Christmas Day itself, Dec. 25, has been questioned about whether that is the exact day on which Jesus was born. Skeptics have asked why would shepherds be out in the cold watching their flocks by night during the winter. Those skeptics have put forward the thought that Jesus may really have been born in the spring instead. It is therefore little wonder that there are many fancy stories and tales that are told about Christmas and the Christmas season. The most common fancy tale that everyone tells, particularly to children, is about Santa Claus, also called St. Nicholas. But even if it were accepted that Santa Claus existed, where does he live and how is he able to get to all the houses of good boys and girls on Christmas Eve? In the United States, Santa Claus is said to have two homes. There is a home in Torrington, Connecticut, which is used as a distribution point for Santa and his many helpers, who are elves, to hand out gifts. And then, a second home is said to be located in Wilmington, New York, and that is where Santa Claus and his delivery reindeer crew are located. But Santa can be visited in Cyberspace at anytime and what about the widely held belief that Santa Claus really lives in a village at the North Pole? The people of Finland also claim that their country is the official residence of Santa Claus. That's because in Finland, you can actually visit a village any time during the year and see Santa's workshop and observe Santa and his elves hard at work as they prepare for their very important Christmas gift delivery job on Christmas Eve. The only day when Santa's workshop is closed to visitors is of course, on Christmas Eve. Maybe a very smart visitor could visit Santa's workshop on the day before Christmas Eve to see if there are any clues to how Santa and his reindeers plan to make their trip the next day. That's because as the tale goes, in Finland Santa Claus and his reindeers do not reach their destinations around the globe by flying. Finland welcomes visitors to Santa's workshop but there is nothing said about whether visitors actually have any chance of having a word with the man himself. While the chances of doing so are believed to be non-existent, among the questions that inquiring minds could ask Santa is whether Rudolph is the son of Donner (and to confirm the spelling - Donner or Donder) or whether Santa spotted him in a different reindeer village one foggy Christmas Eve when he had already started on his Christmas toy-delivery mission. If mere mortals got a chance to question Santa, then he also would likely have some questions for us humans. He may want to know whose idea was it to have Christmas trees and for the gifts to be placed under them. The tradition of Christmas tree as it exists today comes from Germany by way of immigrants. But it isn't clear how the tradition really gained a foothold in Germany. One story is that Christians in Germany during the 16th century started to bring trees that were decorated into their homes. Some of those Christians would build pyramids for Christmas. The pyramids were made of wood and would be decorated with evergreens and candles if wood was in short supply. It is however Martin Luther, a Protestant reformer, who is said to have been the first to add lighted candles as decoration to a tree based on his inspiration from the brilliant light of twinkling stars that shone through evergreen trees as he walked home one winter evening. As the legend goes, Martin Luther placed a tree in a primary room of his house and placed wires with small, lighted candles around the branches of the tree. And that is how, as the tale goes, the Christmas tree as known today, was started.



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Bigger and better sports site

: Sample of Improvement This site is proof that Spanish speakers now have more options than they ever had before. This site can be found similar to other sites that feature sports and games information. After comparing them with other sites that offer similar information, I find very little difference. In fact, the layout looks suspiciously similar except that the main advertisements on the home page on games and sports are probably those that they sponsor. Each ad comes with descriptions about a line or two long. At least, they do not crowd the main page but gives the user enough time to take in the information without straining his eyes. Neat Graphics The graphics are just about right on its main page. One will not complain that it’s too extravagant nor is it too plain.

However, once you start moving to other pages of this site, you will see less and less of it. In fact, you will just find that the pages are just plain texts and hyperlinks that lead you to other pages. The texts are not extremely long that most Internet users actually hate doing a lot unless you’re doing a research or something similar where you need loads of information to fill up pages of your own thesis. Overall, it may not be the best you would see right now but it certainly serves the purpose of providing a good avenue for Spanish speakers a website that has most if not all the links they would ever when looking for important game and sports updates on game schedules, results and everything else. They have done most of the searching and checking and saved the results for you on a single website. Here it’s just a matter of clicking on what interests you the most. And if you want to get more, just go back to their page and click on other similar sites.

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Several tips to finding the right school fast

Searching for a school or college can be a time consuming and confusing time and knowing which ones to apply for and then which one to accept can be difficult ad even a little traumatic. But there are many ways of minimizing both the time taken and the confusion involved so that the process is a little less stressful. Firstly you need to decide whether you want to attend school or college in your own area or state, or whether you are prepared to move to another location; and if so, how far you are prepared to relocate. Of course, your test scores may preclude some choice in this matter. You also need to have some idea of what you can afford some colleges are more expensive than others and some offer payment plans and scholarships while others do not. Then talk to your current schools career advisor to seek their counsel and see what they have to say. They may recommend some schools above others as they may be more suited to your needs, talents and situation and overall career ambition. The next thing to do is get online. There are many web sites on the Internet where you can enter information, such as your region, annual cost preference, freshman year class size preference, preference regarding the size of the surrounding community, and school type (public or private) they are then processed in a database and the site spits out a series of school recommendations. Other sites offer tips and strategies for obtaining scholarships and paying for college. Another web site allows you to register for a SAT Program test and send the results to various colleges and scholarship programs. A Google entry for school/college search will give you more than 660,000 results. Some results are region or specialty specific for instance there is a web site devoted to assisting you to find the right college at which to complete your MBA. Some sites are quite possibly not as legitimate or as thorough as others. There are a myriad to choose from. Which ever school you choose, using the World Wide Web to guide your search for a college or school will definitely make it an easier, less time-consuming and hopefully a far less confusing task.



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15 ways to create some extra holiday money

Originally this was going to be a list for my two teenagers but some of these ideas are better suited to adults with a valid driver's license and a bit of know-how. Some of these take a bit of planning and organizing, but most of them could be done on a fairly spur of the moment case by case basis. The great thing about a lot of these ideas is that you're spreading holiday cheer by helping to make someone else's otherwise stressful and overwhelming to-do list a little bit easier. Who wouldn't pay to have someone come do a few of these things for you? Mostly, what's important is that you remember to provide a quality item or service to the buyer with a smile on your face and in your heart. Have fun with these! 1. Baby-sit for people who need to do some Christmas shopping without their little ones tagging along. Anyone trustworthy who is over the age of about thirteen or fourteen can do this one. It's hectic enough to get in and out of the malls and shopping centers without having to drag toddlers along. Contact friends, family, coworkers, and members of your spiritual community to let them know that you're available for holiday babysitting. This can include time that the parents need to get away for office parties, charity events, and volunteering to help the elderly and less fortunate members of their community. 2. Grab a ladder and offer to clean leaves out of your neighbors' gutters. Many people are so busy during the summer months that they completely forget to clean all of the debris from their gutters when the sun is out and it's dry outside. It's cold and yucky outside now and many people are too busy to get to it themselves. They'll probably be glad that you offered and they can check it off of their to-do lists. This isn't one for the younger kids. However, they can offer to rake up the leaves in their neighbors' yards. Adults could offer to do both the gutters and the yard as one big project for a nice reasonable price. It could also be a father & son side business that you do together - while dad cleans the neighbors gutters, junior rakes up the leaves in the lawn. 3. Bake something amazing and offer to sell it to your friends and coworkers so they won't have to do their own holiday baking. You probably have to be careful about selling your baked goods to professional organizations and such, but you could do some sideline baking to help out your friends, neighbors, and coworkers who are going to be entertaining guests over the holidays and simply won't have the time to do their own baking. Have you got an awesome recipe that stands out as everyone's absolute favorite? It's the hit of every potluck? Make up some tiny sample sizes or bring it in to the office break room and serve up samples to your potential clients. Then while their mouths are watering, tell them that for a fee you'll bring them one to their home the day before their guests are to arrive. You'll have to work out the scheduling and cost of ingredients and such, but this could be a fun way to make some money and spread some serious joy. The hostess will be so pleased when she pulls your work of art out of the fridge and her guests ooh and ah over the scrumptious homemade dessert she didn't even have to bake herself. 4. Offer to collect people's empty soda cans and cash them in. My son raised almost $300 last spring doing this so that he could go to a training course to become a camp counselor for the little kids at our church. He went door to door offering to do yard work and most people just handed him bags and bags of pop cans they didn't want to take the time to cash in. He collected most of them over one weekend and then cashed them all in the following weekend. We live really close to a grocery store where he could walk to cash them in, so I didn't even have to get my car dirty with sticky soda drippings! This is a really good one for the younger kids to do. 5. Sell something on eBay. I know a number of people who make a decent second income all year round by digging around for antiques and such from the Goodwill and then fixing them, cleaning them up, and selling them for a much higher price on eBay. You have to know what to look for, but these folks will pick up an old pair of stereo speakers for $10 or $15 and then sell them on eBay for $200. The customer pays for shipping. You can also do this through garage sales, flea markets, and estate sells too. Most of the time and work goes into hunting for the cool treasures that someone will want to purchase. 6. Hang up people's outdoor Holiday lights for them. As a single mom, I would have loved it if someone had come to my house and hung the Christmas lights on my house for me. My children always wanted us to decorate the outside of the house and I hated not being able to do that for them. I didn't know the first thing about how to go about hanging them up. I didn't even own a ladder! So, I would think that you could go around offering to hang up people's outdoor holiday lights for a fee. It they are like me and don't even have lights but want to get some, you could offer your expertise as to which kind to buy and where to get the best prices and such. 7. Grab a broom or a shovel and offer to clean the neighborhood sidewalks. This is another good one for the younger teens. There's always sidewalks that need swept or shoveled. And there's always someone too busy or too tired to do it themselves. 8. Work a second job as seasonal help at one of the department stores in the mall. Most of the major department stores hire extra help in October or November so they can have them fully trained by the time the really busy holiday shopping season kicks in. They are kept on until after the inventory counts are done in January. Then most are let go if they haven't quit already. Those who have proven themselves to be quality employees will often be asked to stay on longer. 9. Sell something at holiday bazaars. I suspect that you have to get these kinds of events lined up ahead of time with a bit of preplanning and such, but plenty of folks make a decent seasonal income by selling cool arts and crafts type items at those holiday bazaars. Often a percentage of the sales goes towards a fundraiser, but you still make enough to make it worth your time and energy to create the art and to hang out at the art shows. 10. Sell your plasma. We all know how important it is to donate blood during the holidays, but many people don't know that you can get paid for sitting through a procedure quite similar to the donation process. The difference is that they run your blood through a machine that separates the plasma from the red blood cells and puts the red blood cells back into your body. It take longer and I guess that's why they are willing to pay you for your time. Years ago, I used to do this when my kids were really little and we needed some extra money for upcoming birthdays and such. They wouldn't let you do it more than once a week or so and they only paid about $25 each time, so you had to plan ahead if you were going to raise $100 or $200 for something you wanted to purchase. Contact your local Red Cross or other blood donation centers for help finding the plasma centers. 11. Clean houses for others who have holiday guests coming. Typically, if someone has out of town guests coming for the holidays, they have a lot more on their to-do list then just cleaning their toilets and shampooing the carpets. You could become a real lifesaver for those in a crunch who are too busy, too old, or too tired to do a thorough deep cleaning before the guests arrive. Some might even hire you again to clean up after the guests leave too! Teens can do this just as easily as the adults can. 12. Run errands and do odd holiday jobs like wrapping gifts or delivering packages to the post office. You could start a little side business where all you do is run other people's errands for them. Drop off and pick up the dry cleaning. Take their pet to the vet. Deliver cupcakes to the charity fundraiser. Pick up a handful of gift certificates from national department stores that will later be mailed out. Address and stamp their Christmas cards for them. Do their grocery shopping. Pick up new printer cartridge and some desk calendars for them. It's all of those tiny little errands that make for frazzled schedules and crazy timelines. For a fee, you could do it for them. 13. Decorate the inside of people's homes or offices for the holidays. You don't have to be a professional interior decorator to be helpful. If you've got a reputation as having a good eye for attractive and festive decorating, you can help others to set up their trees, hang garland, and place some nice poinsettia here and there. You can help make people's homes and their office space a warm inviting environment and also include coming back after the holidays to break it all down into to storage containers as part of the deal. I hate tearing down the decorations and would love to pay someone to put it all back away! 14. Cater some dinners for the extremely busy shoppers or for Holiday parties. Those who are not awesome cooks need not apply for this one! Let's say that your boss is having the annual company Christmas party at his house and his wife is swamped with running kids back and forth to choir concerts and peewee football camp while shopping and planning for her in-laws who will be flying in to visit only three days after her husband's company party at her house!!! You could offer to cook and cater the event for her. You'd once again be making someone else's holiday season so much easier while earning extra money for yourself. Decide in advance on a menu and who's purchasing the ingredients needed. Then all you have to come up with is a dollar figure for your time and grandma's secret recipe for those little mini-cakes that everyone loves so much. 15. Chauffer someone's children to and from school and other activities so the parents have some free time. This isn't quite the same as babysitting. You'd be amazed at how much time a person can spend picking up and driving two or three kids to different events and hauling musical instruments and sporting gear from one event to the next. You could simply run a taxi service for children and teenagers who need rides from point A to B. You don't have to hang out and watch them once they get there. Just make sure they arrive on time. Even just having an afternoon at home to cook and clean house while someone else gathers up all of the kids and brings them all home could make a world of difference for someone. As you can see, some of these services could easily be turned into a year-round side job or they could be dropped as soon as the holidays are over. Perhaps you'll find that you love catering people's meals, you love refurbishing antiques, or you love running errands and taxiing others around from place to place. You could go into business for yourself and by next year, you could quit your 'real job' and be happily self-employed. Then again, your teenager could discover how much time and work it takes just to raise enough money for some generous Christmas shopping. After learning the value of a dollar earned, they might decide that college is a good idea after all! Copyright 2004, Skye Thomas, Tomorrow's Edge



Online 15 ways to create some extra holiday money

How to take great flower photos

I know that many out there want to improve their photography in one aspect. Flower photography. With gardening as popular as it is this shouldn’t be a surprise. Flower photography while looking like one of the simplest forms of photography can quickly become one of the most difficult. Here are a few tips for you. (Keeping in mind that basic good photography skills are always used.

) Soft diffuse light. Today it’s very overcast outside, and if there were any flowers in bloom today would be the perfect day for capturing some great images. Soft diffuse light enhances color saturation, so if you wondered how or why pro photographers flower images seem so deep in color this is one of the reasons why. (There are exceptions to this rule. I do some flower photography is bright or dappled sunlight but I’m usually trying to get an effect of light passing through the petals.) Slow film speed. 200 speed or less. The slower speed films have greater detail and for flowers you’re going to need to get close anyway and you want the nice sharp detail of a slower speed of film. I use 100 speed for my flower photography. Tripod. Use one for this type of photography. Set up your shot, get everything in sharp focus, and then shoot. A tripod will keep your camera from moving on you and allow you to get the sharp detail you will need. Look for great colors, a flower in full bloom next to a bud, and don’t shoot on windy days. Keep contrast and color in mind at all times and try different compositions each time you take a shot. Flower photography can be a lot of fun especially if the flowers are your own. If you have some specific questions please visit my Photography and Design Forum at: http://kellypaalphotography. com/v-web/bulletin/bb/index. php and post your question there.



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Gambling at monte carlo

The unique hub of gambling, a paradise for all the gaming aficionados and an ideal place to rejoice and lift your spirits, Monte Carlo is not unknown to any avid gambler. The place exhibits not just the efficiency of uniformly clad gamblers but also their matchless zeal towards gaming. Monte Carlo is thus worshipped as the best and timeless haven for all gamblers across the globe. The origin of Monte Carlo can be traced back to the mid-nineteenth century when Prince Charles III of Monaco built a grand casino in his not so big principality. He named that part of Monaco, on which the casino was built, Monte Carlo, after his name. Designed in 1878 by the famous architect of that era, Charles Garnier, the Le Casino Monte Carlo casino is a mark in itself. The atrium of this magnificent building is made of marble and covered on its sides by 28 Greek columns made from onyx. While its spacious auditorium is painted in red and gold and embellished with bas-reliefs, frescoes and sculptures.

Besides everything else, the gambling rooms of the Le Casino de Monte Carlo act as a timeless pull. There are many huge gambling rooms that are wonderfully decorated with beautiful art work - sculptures and paintings etc. the mesmerizing beauty o these games add to the enthusiasm to play different games of chance. However, a paradigm example of creativity and elegance are the private rooms of this casino. Parading European styles and culture to its best, these private rooms are incredibly glamorous.

It is a lifetime experience to play some of the hottest games like European roulette, English Roulette, trente et quarante, blackjack etc. within these richly-decorated four walls. Apart from the famous Le Casino Monte Carlo, there are several other good hubs in Monte Carlo to spin the wheel of fortune. Known for its 19th century ambience, the Le Cafй de Paris casino is meant only for players above 21 years of age. American roulette, baccarat, blackjack, chemin de fer, electronic roulette etc. are the largely played games here. But the young adults between 18-21 years should not get disappointed. Adhering to the dress code they can also successfully try their luck at the well-known Le Sun Casino that is located in the Monte Carlo Grand Hotel. The casino offers a set of 27 tables games, baccarat, and American roulette, blackjack, chemin de fer, craps and punto banco.

The Le Sporting Monte Carlo casino is a summer attraction. The casino that opens from last Friday of June to middle of September is known for its not less than 62 slot machines and 24 table games that include roulette, baccarat, banque a tout va, blackjack, chemin de fer, English roulette, French Roulette and punto banco. These casinos and many others have largely contributed to their nation i. e. Monaco’s economy though its economy is not just based on gambling and tourism. Yet in today’s world, Monaco is globally acclaimed as the epitome of the gaming world, a place that conjoins gaming and wealth with beauty and international sophistication.



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The art of bluffing in online poker

: Ah, bluffing. When you get it right, you feel like a master strategist; when you get it wrong, you feel like a doofus. Bluffing is lying, to put it plainly. To be more specific, bluffing is lying about the strength or weakness of your hand. There is a common school of poker strategy that teaches to play every good hand as if it were a bad one and every bad hand as if it were a good one. Now while that may be a bit too simplistic to be applied across the board, it speaks to a sound underlying principle -- you can win with a good hand and you can win with a bad one; it’s all in how you play. If you’re playing No Limit poker especially you’re going to need to know how to bluff (and as a bonus consequence, how to tell when others are bluffing). Bluffing is generally more effective in No Limit poker than in Limit poker because in Limit poker, you can only raise so much at once, and you can only raise so many times in each round of betting. A player in a Limit poker game is much more inclined to call a bet or a raise with a mediocre hand than a player in a No Limit game, and the main reason why is the size of the bet or raise. In No Limit poker, you can call “All In” at any of your turns and set the whole table on tilt.

There’s just no equivalent in Limit play. Now to extend the conversation on bluffing to the online poker arena, there are far fewer methods of bluffing online than there are offline. The main way to bluff online is to place a humongous bet or raise (when your hand doesn’t merit it, of course). You can try a bit of “coffeehousing” or blustering over the chat window, but if your opponents aren’t reading the chat window (or have that feature turned off) you’re wasting your time. One way to heighten the impact of a bluff is to do it quickly and confidently.

Though they can’t see your face while you’re doing it, like they could if you really were sitting across the table from them, but they can gauge how long it took you to come up with this maneuver based on how look it took you to execute it. You’ll find 3 basic types of bluffs at the poker table, online or off: The Stone Cold Bluff: Betting a huge amount right away with lousy cards; the choicest time to pull this is when you’re the last player to act in that round of betting and not much action has happened yet; The Semi-Bluff: Betting on a potentially winning hand that for now is worthless (such as four cards to a straight or a flush); it’s considered a bluff because it’s currently a garbage hand, but since it could turn into “the nuts” or the best hand possible at that time, it’s considered to be only a semi-bluff; Representing the Flop: Bluffing in two parts - first, raise a small amount in the initial round of betting, making folks think you have the beginnings of an excellent hand, though it seems clear you need to pull something useful on the flop to make it happen; in this round, you raise just enough to get the majority of players at the table to fold. After the flop, then, go ahead and bet a ton (maybe even going so far as to go All-In) suggesting that you just pulled whatever cards you needed on the flop. It takes nerves of steel to pull off a good bluff, but it takes even more than that to fold when you believe your opponent is bluffing. If your hand is weak, especially, then no matter how convinced you are that your opponent is trying to pull one over on you, you still want to walk away and save your chips for another hand. If you don’t think you can win this round with the cards you’ve got, then by all means you can try bluffing.

But if you sense you’re being bluffed, make sure you can beat it before you go ahead and call it.



Online The art of bluffing in online poker

Making short work of slugs and snails

Slugs and snails are the bane of many gardeners' lives, ripping at slow speed through a garden, destroying young plants under the cover of darkness. It's not unusual to find a whole row of seedlings fatally damaged in one sitting, and even a single snail can cause devastation. Bearing this in mind, it's pretty obvious that many gardeners develop a distinct antipathy towards our mollusc friends and will try almost anything to rid their gardens of the invertebrate menace. The traditional answer to the snail and slug problem was to use pellets, which contained toxins which would kill the creatures after they consume them. For many reasons, this is less than a perfect solution, as the pellets can also be very dangerous for wildlife, pets, and even children. Not only can the pellets themselves cause poisoning, the slugs and snails become poisonous to birds before expiring, which is bad news for any of our feathered friends which decide to snack on a slug.

Organic slug pellets have recently become available which do not suffer from this toxin problem, but the jury is still out on how effective they are, and they are still a chemical treatment which many people would choose to avoid in these environmentally conscious times. The most eco-friendly way of fighting back against slugs is to provide an environment which is hostile to them, while being attractive to their natural predators such as birds, hedgehogs, and toads. Attract these animals to your garden and they will do a fine job of gorging themselves on the local snail population, and so reducing the severity of measures you need to take yourself. Also, slugs and snails like to spend the day in cool, damp, dark conditions such as those found in messy flowerbeds and uncut grass. Remove these refuges by keeping your garden as tidy as you can, and there's less chance of a slug evading a predator. However much you try and discourage your local molluscs from living in your garden, the lure of tasty young seedlings is certain to be stronger. You can protect individual plants by placing some sort of barrier around them.

Popular substances include sharp grit or broken egg shells, which slugs and snails are reluctant to slide over, or a smear of vaseline around the top of a plant pot which works in much the same way. You can also buy copper rings or bands, or even tape, which work by giving a small electric shock to any snail which tries to cross it - a most effective deterrent! Slug traps are available which you half bury in the ground, and fill with a tempting liquid such as beer. The idea is that as the slugs crawl towards it, they fall in and drown (or die of alcoholic poisoning, possibly). The drawback is that these traps are a waste of good beer, and cleaning them out every morning is not a pleasant task if the catch has been good! For severe slug problems, you could always resort to bacteriological warfare. A kind of slug parasite called nematodes is available, which you add to water and spray onto the infected areas.

These parasites will kill any slug they can find, continuously and for a period of up to 6 weeks, but it's an expensive option and doesn't do anything against snails. A much cheaper option, although it may gain you something of a reputation in the neighborhood, is a midnight slug hunt. After dark, when the slugs are at their most destructively active, patrol your garden armed with a torch, a bucket, and a means of slug dispatch. This technique is especially effective during rain, although probably not an exercise you'd care to repeat too often!



Online Making short work of slugs and snails

It is almost as good as selling

One of the most effective ways to make money selling Generic Viagra online is to become part of an affiliate marketing network. Affiliates can be like a vast virtual sales force set out to sell as much Generic Cialis online as well as other erectile dysfunction medications. Affiliates can cut across so many different internet audiences that it is easy to see how an affiliate program can be beneficial to selling generic Viagra online and also how an affiliate program can help to boost sales and profits beyond anyone's wildest dreams. Affiliates are great ways to introduce your product to many new audiences at the same time and affiliates can also help you expand your customer base in ways that standard marketing and advertising cannot. So if you are looking to increase sales of generic Viagra online then you need to consider becoming part of an affiliate program and begin signing up as many affiliates in as many varied markets as possible. You never know how well your product will take off in any given market and affiliate marketing can certainly help you increase sales with almost no risk to yourself or to the affiliate. It is an experiment that can only have an upside and that is good marketing.



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Methods of male birth control

The invention of “the Pill” in the 1960s brought forth a new era of women's liberation. The Pill gave women the power of choice when it comes to getting pregnant and having a baby. But despite the advantages it gave to women, the Pill also posed another burden. It put women in the position of being the primary person responsible for birth control. As such, if an unintended pregnancy occurs, it is the woman who is immediately thought of as at fault. Forty years later, people are now clamoring for a change in the birth control scene. More people are demanding men to take a more active role in birth control and contraception use. If you are a man who recognizes your responsibility and wishes to take an active role in using contraception, below are some male birth control methods you can consider: Condoms The only birth control method – aside from abstinence - that effectively prevents sexually transmitted infections, condoms are the most popular form of male contraception. However, a condom is often relegated to the role of a backup or supplemental contraception since it has a large margin for error. Improper fit or using the wrong lubricant is enough to make condoms slip off, rupture, or tear which can spill semen inside the vagina. Spermicides Sperm gels and spermicide-based lubricants are another option when it comes to male contraception. While these are usually effective in killing off sperm after ejaculation, they must be reapplied frequently during intercourse since bodily fluids can dilute their formulation. Vasectomy A semi-permanent form of male contraception, vasectomy is a surgical procedure that is designed to inhibit the passage of sperm to the vas deferens. Doing so prevents the sperm cells' exit through the penis and are broken down to be absorbed by the body. Vasectomy is a reversible procedure and is more than 99% effective if done correctly. Male Hormonal Pills Studies and research on the development of male hormonal pills are now under way. However, the invention of the male pill is taking a longer time since it is more difficult to control and manipulate millions of sperm compared to one ovum. Different concerns are also raised about the pills' effect on male sexuality and the reversibility of use. If these studies prove to be successful, men can also have the option of taking in contraception pills. Of the four methods listed above, condoms are the cheapest and most convenient since they are available almost everywhere. Consistent and correct use of condoms is an effective form of birth control especially if coupled with a sperm gel or spermicide lubricant. Vasectomies are costly, especially if you change your mind later and want to reverse the procedure. However, when compared to its female equivalent, which is tubal occlusion, vasectomy is the cheaper option. Although it is highly unlikely that male oral contraception will be available anytime soon, studies and researches indicate that its efficacy will depend largely on regular and consistent use. Talk to your doctor for a comprehensive discussion of available methods of birth control for men.



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Death aging rejuvenation part 2

Death Death. Why it happens? Why do we die? Why do animals die? Why do plants die? What is the need of this? In my opinion mechanism of death was selected during Evolution. From the position of Darwin's theory of Natural Selection everything, that benefits survival of species and gives advantage in Natural Selection, is preserved in following generations. Improvements were often left unchanged from the moment of life appearance. Though there could be other ways, certain mechanisms were accidentally selected. These improvements are reproduced in the genome of more complex species. Billions of years ago, according to the theory of evolution, chemicals randomly organized themselves into a self-replicating molecule. Lightings and UV-radiation helped to create first organic molecules. This phenomenon is reproducible in a lab. The experiments were described in 1950-60. First self-replicating molecules were probably RNA. First enzymes were probably RNA - enzymes. Then proteins, DNA and more complex lipid molecules and polysaccharide came to the scene. Death as it is did not exist at the stage of Primeval Soup . Sure some organic molecules were destroyed , some new created. But in general it was still that swirling and bubbling primary broth - quasi alive in our understanding as a mixture of biochemical reactions. Everything in the evolution was build from the previous blocks selected sometime by accident. Appearance of lipid membranes allows to compartmentalize the primary broth and create first cells. At the cellular stage we could already talk about the Death. Cell is destroyed, membrane is broken, everything leaked out. This is the Death. Content of cell inside lipid membrane is irradiated. Process of crazy molecular swirling is messed up by free radicals irreversibly. This is also signs of Death. Yet at the cellular stage we cannot talk about Aging. Death at this stage is accidental, not programed. Organic molecules may age (oxidation, conjugation, etc.) and cell would die. But damaged molecule are repaired or synthesized fresh usually. Hence, no good reason for a single cell organism to age. Irreparable damage from external cause leads to Death, not Aging. This is accidental death. For multicellular organisms, there is a parental organism that ages and eventually dies after next generation is born. For mono-cellular organism, there is parental organism that divides and becomes the next generation. There is no Aging leading to death of parental organism. Mono-cellular organisms are practically immortal in a right environment. Mechanism of division was selected during evolution. Cell has volume (3-D). Surface membrane is measured in square units (2-D). Growing beyond limits cause inadequate supply of nutrition from environment. Division solves the problem. Microbes, bacteria are immortal. Some divide every 20 minutes. In a an hour they multiply 8 times. Tumour cells divide slower. They are eukaryote. Most aggressive divide once a day. There is no need for Aging. They would die if you do not feed them. They die when you kill them with undiluted bleach in a flask. Otherwise they grow unstoppable. No aging. Multicellular organism supposedly has several control mechanisms to prevent excessive growth and division, to kill an extra cell. Apoptosis, programmed death, is used. Cancer cells often loose the control mechanisms. A scientist from Yale once pointed out to me that we can not say these cells are immortal. Maybe they divide and parental cell dies. Indeed. We do not follow the fate of every individual cell during experiments. They should give more children cells than parental cells die. Otherwise there would not be the multiplication. It is a possible scenario. We do not follow the fate of individual bacteria as well. Maybe they actually undergo aging. From the other hand some experiments suggest that new cells contain roughly half of the parent cell after division. So it is not Death or Aging. Next generations contain 1/4, 1/8, 1/16 and so on of the parent cell. Any mechanism that is more complex than simple division would cause disadvantage in evolution and would be quickly eliminated. On the level of mono-cellular organism neither Aging nor Apoptosis make a lot of sense. Though Nature often have hidden reasons. Flick's phenomenon and telomeres shortening make sense for a multicellular organism. Cells of multicellular organism do age. They stop dividing after 70 divisions or so. A multi-cell organism has clear cut advantage over a mono-cell. Why would mechanism of Death selected for multicellular organisms? Scenario could be the following. Big organism have more advantages compare to smaller one - stability, protection, etc. There are not so many natural enemies for whale or elephant because of their size. Large animals could be brought down by bacteria, viruses, small parasites, and lack of available food. Rare predator attack whale or elephant. No wonder that evolution was going into the direction of bigger animals - just look at giant bones of dinosaurs and you will feel some appreciation. Millions years ago not only Dinosaurs but also insects or crustacean were enormous. Cockroaches, spiders or dragon flies with size of one metre (3 feet). Going back in time we find shells of enormous molluscs. Many things imply that bigger animal with unstoppable growth have a lot of advantages compare to small ones. New species often evolve in their size. An example is growth acceleration in humans. Females prefer taller mates that lead to taller children. Shorter plants usually cannot compete with the taller forms in the wild. A short mutant in a patch of tall plants would be shaded out Mechanism of reproduction was also selected during the evolution. Any new animal, be it a mouse or a human, starts life as a single cell. That cell differentiates and develops into the complete animal. It assures that a rare advantageous variant sequence of DNA will be rapidly propagated by natural selection. It is much easier to reproduce and maybe get some new genes or favourable mutations starting from a single cell than starting from a whole multicellular organism. Functions of most genes will have been optimized by random point mutation and selection in any given species. Signalling between cells during the development process ensure that everything ends up in the right place. Tiny changes in these Signalling processes can have very large effects on the resulting animal. Genome, with at most forty-sixty thousands genes, is able to specify the creation of a human body containing trillions of cells, billions of carefully wired neurons and hundreds of different cell types all amazingly sculpted into organs as diverse as the liver and the brain. This is why mechanism of proliferation of fertilized oocytes was selected. Hence, having younger (smaller) and older (bigger) animals make sense. But there is the problem: adult animals (or plants) consume all the nutrition around and there is not much left for next generation. Then it is why mechanism of Death was selected as a mean for next generation to establish. Imagine the following: First, mechanism of proliferation was selected . If mono-cellular organism does not have mechanism of reproduction it does not produce offspring with possible favourable mutations. Let say there are primitive bacteria spontaneously created in primeval soup. Just few of them. They consume nutrition, they live happily, practically immortal but they do not divide. Then set of enzymes appeared during mutations. The set allows bacteria to split. Synthesis of the new set is disadvantageous. It requires additional energy and nutrition. But advantage of splitting allows new mutants immediately overgrow non-proliferating cells. Selection is really cutthroat. Bacteria growing in a tube represent mini evolution. Any bacteria that fit for the environment are also selected on the ground of simplicity. In a toxic environment (antibiotics) mutant bacteria having a new mechanism of neutralisation would survive. But the more simple bacteria will eventually overgrow complicated ones. Unless complication gives big advantage that outweigh the benefits of simplicity. Another example: HIV virus is very complex compare to some other viruses. But because of the complexity it evades immune response. This is why it is so successful. For humans there was some discussion that hernias are direct problem of erect posture. So erect posture leads to disadvantage. From the other hand erect posture frees the hand, that allows to produce the tools and this gives huge advantage in the survival in natural world by creating possibility to adapt to virtually any condition. All high animals have just 4 extremities. Obviously it is enough in cutthroat environment. Growing additional couple of extremities will consume much more resources and take much more time, not giving big advantage in speed or protection of an animal. Thus, danger of losing one of the limb is not so big as the danger to not proliferate fast enough. Bilateral design of majority of animals was chosen at the level of primitive species. Though lower multicellular organisms may have 3-side symmetry or 5-side symmetry like sea stars. Often something chosen in the selection becomes building blocks for higher species. Maybe 5-side symmetrical tiger would be possible but it requires intermediate chain. The same is true for the mechanism of Death. Once chosen, it is replicated in all higher organisms. It should give an advantage in ultimate species survival. Otherwise it loses sense and species would be wiped out. So, what is advantage for Death? Immortal and childless animals are growing and growing. Mutations lead to species producing offsprings. They have disadvantage of been more complex. But advantage of proliferating animals is occupation of vaster areas. They displace immortal and childless species. Now, if proliferating animals are immortal they do not give offsprings enough space or food. Next steps of mutation brought mechanism of programmed death at certain age. Let consider situation when out of two species one is immortal and producing offsprings, other is mortal with offspring production as well. Mortality looks like an obvious disadvantage in stable environment. Adult organism are more powerful and more protected compare to juvenile. However, next catastrophe will wipe out all the species altogether. Only some mutants can adopt to new environment. But "mutant" for a multicellular organism imply that the mutation happened when the organism had only one cell (the stage of fertilized oocyte for example). Otherwise it needs precisely the same mutations on the level of several cells - infinitely impossible event. Thus, any species that had the mechanism to allow next generation to flourish (mechanism of programmed Death) will have advantage. They produce more offspring than immortal species. Death of parents spares the space and nutrition. Immortals can die form accidents only. It is too long for children to expect a vacancy. Then, having more offspring automatically means having more mutations (by mere number of events). Having more mutations means more probability for adaptation to the new environment. Immortal multicellular organisms, even if they existed in the past, were quickly wiped out by accidents and overgrown by mortal multicellular organisms. Again all this is just a hypothesis. - continued in Part 3



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Home decorating with textured paint

Home Decorating with Textured Paint Textured paint and faux finishes have become more popular in recent years than at any other point in history. One reason for this is because so many home improvement stores are offering classes for those who are willing to pay the price for the paint so that the average Joe or Jane can recreate these fabulous finishes on their own walls as well. The fact is it is truly amazing what works of art can be created with the clever and creative use of textured paint. Faux finishes can be used to create the illusion of anything from plaster or brick to leather and a few amazing things in between. Those who are skilled at applying faux finishes are in great demand for their artistic talents though most home owners can do a passable job if they are willing to take the time required to properly learn the technique. Even wood grains can be imitated through the use of a talented faux finisher and paint. Using textured paints and faux finishes can be done in almost any room in the house though they seem to be most common in living rooms and kitchens as a major design feature. There are some ambitious homeowners who have decided to take this style of painting into every room of the home. While it may seem a good idea in theory there are some drawbacks to this as well. First of all, textured paints and faux finishes are very time consuming. If you are hiring a professional to do the work their time is a lot of your money and this is something that really needs to be considered. Is the amount of time really worth the reward of the finished project as far as you, as the homeowner, are concerned? Most people find that it isn't worth all that much money and time but others really appreciate the look and feel that it is vital to their enjoyment of their homes. Whichever category you fall into it is important that you realize that this could become a costly proposition. Another thing to consider is that many who manage to bring a texture or faux finish of some sort into every room of their homes often decide after a little while to remove some of their hard work. The reason for this is that in small doses faux finishes and textured paints are novel and spectacular. In large doses they can be more than slightly overwhelming and, more importantly, unimpressive. There is something to be said about the fact that sometimes less is more. This doesn't mean that some homes do not wear faux finishes beautifully in almost every nook and cranny. Some homes are simply meant to be decorated from one end of home to the other end. These homes are simply lovely no matter how many new finishes are added to the walls, furniture, fireplace mantles, and bathroom cabinets. There never seems to be too much in these homes. There are some homes however that beg for moderation when it comes to designs such as this. Listen to your home when decorating and you should have a much better decorating experience overall without overwhelming either your home or your guests. If faux finishes and/or textured painting is something you would like to incorporate into your home decorating plans you should be delighted to discover that there are many, many resources both online and offline that can assist you with your goals. The first and best choice is to check with local hardware and home improvement stores in order to see if they are offering any free workshops on faux finishes or textured painting in your area. If they are then you are set. However, if they are not your local library may prove to be a valuable source for videos, magazines, and books that offer step-by-step instructions. The Internet is also an excellent source. Do not forget the value of spaces such as YouTube and Google Video as they may have some actual demonstrations or how to videos to help as well. 685



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Ladybugs ladybugs come to my garden

Ladybugs, also called lady beetles or ladybirds, can be a gardener’s best friend. The ladybug’s bright coloring brings welcomed cheer to the garden, as well as helping with pest control. Since medieval times, ladybugs have been valued by farmers all over the world. Many believe that the ladybug was divinely sent to free crops of insect pests. In fact, that is how the ladybug got its name. People dedicated the bug to the Virgin Mary and therefore called it “The Bug of our Lady”, which was eventually shortened to the present name “ladybug”. Adult ladybugs are usually oval or domed shaped and have red wings, yellow wings or shades and variations of these colors. The number of black spots can range from no spots to 15 spots and they are typically about one quarter inch in size or smaller. The length of the life cycle of a ladybug varies depending upon temperature, humidity, and food supply. Usually the life cycle from egg to adult is about three to four weeks, and up to six weeks during the cooler spring months.

During the spring the adult female ladybug can lay up to three hundred eggs in an aphid colony. The eggs normally hatch in two to five days. The newly hatched larvae feed on aphids for up to three weeks and then enter the pupae stage. About one week later, the adult ladybug emerges. There can be as many as six generations of ladybugs hatched in a year. The ladybug enjoys popularity around the world. These pretty insects have long been considered a symbol of good luck and fortune because of their ability to eat an enormous amount of aphids. One ladybug can eat as many as 50 to 60 aphids per day. Aphids (also called plant lice) are herbivores and are one of the worst groups of pests on plants. They feed in colonies and damage plants by sucking the juice out of the leaves, stems, or roots.

While aphids feed, they damage plant tissue creating a loss of plant fluids and the photosynthetic tissue needed to produce energy for plant growth. Some plants will show no adverse response to aphids, while others react with twisted, curled or swollen leaves or stems. Aphids also transmit many plant diseases from one plant to another. Apart from aphids, ladybugs eat a variety of other insects and larvae including white flies, mealy bugs, spider mites, and other types of soft-bodied insects. They also require a source of pollen for food and for that reason are attracted to certain types of plants. Their preferred plants have umbrella shaped flowers such as dill, fennel, angelica, tansy, caraway, cilantro, yarrow, and wild carrot. Other plants that attract ladybugs include cosmos (especially the white ones), dandelions, coreopsis, and scented geraniums. If your garden does not have adequate space to plant ladybug attracting plants, you can purchase ladybugs from numerous websites on the internet and most nurseries. Before releasing them into your garden, here are a few tips to help ensure that the ladybugs stay where you want them: Release ladybugs near infested plants after sun down or before sun up. They navigate by the sun and are most likely to stay put in the evenings and early mornings. Water the area where you are going to release the ladybugs. They will appreciate the drink and the moisture on the leaves will help the ladybugs to “stick” on the plants. If released in a dry garden, the ladybugs will most likely fly off in search of a drink instead of sticking around to eat. In the warmer months, chill the ladybugs in the refrigerator before releasing them. This will not harm the ladybugs and they tend to crawl more in colder temperatures rather than fly away. Another way to attract ladybugs to your garden is to place several ladybug habitation boxes around your garden. Fill the boxes with organic material such as peat or compost to encourage ladybugs to roost and lay eggs inside the box. In addition, the habitation box also provides protection for the ladybugs in the winter months. To further promote ladybug populations, consider cutting back on spraying insecticides in your garden. Ladybugs are sensitive to most synthetic insecticides and if the majority of their food source is gone, they will not lay their eggs and therefore will not continue to populate. Here are some interesting ladybug facts: There are nearly 5,000 different kinds of ladybugs worldwide and 400 which live in North America. A female ladybug will lay more than 1000 eggs in her lifetime. A ladybug beats its wings 85 times a second when it flies. A gallon jar will hold from 72,000 to 80,000 ladybugs. Ladybugs make a chemical that smells and tastes terrible so that birds and other predators won't eat them. The spots on a ladybug fade as the ladybug gets older. Ladybugs won't fly if the temperature is below 55 degrees Fahrenheit. The ladybug is the official state insect of Delaware, Massachusetts, New Hampshire, Ohio, and Tennessee. As you can see, the ladybug is one of the most effective and economically important insects to have in your garden. In some cultures, seeing ladybugs in gardens indicates a bountiful harvest, an indication of good weather or a good luck omen. Create an alluring environment for ladybugs and they are sure to provide charm and pest control in your garden for years to come.



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How to take care of weeds

(NC)-Their names may be cute and slightly amusing - chickweed, creeping charlie, dandelion, crabgrass - but weeds can be a major annoyance. Left untreated, they spread quickly, fighting the grass for food, light and space. Many of them, like crabgrass, have stems that lie close to the ground making them difficult to cut with a mower. They spread out and smother grass, creating large unsightly patches on the lawn that you worked so diligently to create. The healthier your lawn is, the more effectively it can prevent takeover by weeds. Fertilizing is an excellent first step. Applying the right fertilizer, with the optimum mixture of nitrogen, potash and phosphates, four times a year helps make sure your lawn is as healthy as possible. Even so, weeds are sure to put in an appearance. That's when a weed and feed or other weed control product can help.

There are lots of options for you to choose from. Some are general practitioners, designed for a broad spectrum of weed control. Others are specialists that fight specific weeds like crabgrass. Some combine weed control with lawn food. Others just concentrate on getting rid of the weeds. Some require mixing, others come premixed. Once you've found the right product for your situation, be sure to apply it when the weeds are actively growing, ideally in the late spring or early fall.

Temperatures should be between 15 and 25 degrees. If it's too hot, or too dry, don't do it as the results may not be satisfactory. When applying weed and feed products, it is best to spread them in the morning if possible. "Morning dew helps ensure the pesticide adheres to the weeds," notes Derril Linseman, Product Manager at Home Hardware. Make sure there's a day of clear weather in the forecast. Apply twice, the same way you would with grass seed, using half the recommended rate each time in a criss-cross pattern. Don't water or mow the lawn for several days after application, and in some cases you may want to keep children and pets off the lawn for some time too. For more information about maintaining a beautiful lawn and garden, and for the products you need to help you do it, be sure to visit your local Home Hardware or Home Hardware Building Centre.



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Outdoor living spaces extend your livable space and delight the senses

What started out as a yard in the great American dream has evolved into an outdoor living space, encompassing dining areas, living rooms and even play areas that go way beyond the swingsets of the 1950’s. These spaces extend the livable area of your home, while saving you money and increasing your home’s value. This is particularly true in the Southwest, where bug-free, temperate outdoor conditions predominate for much of the year. In fact, a little further south, Latin American homes often blur the distinction between indoor and outdoor spaces – a bedroom might open to the garden or the dining room might call for outdoor eating all year ’round. To take advantage of the wisdom of outdoor spaces, it’s important to remember that you’ll be more likely to use them if they’re close to the entrances of your home. One exception to that rule, however, are retreat spaces – sanctuaries you’ll want to remove from the house to create a sense of privacy and solace. One of the most popular outdoor spaces is the outdoor dining room/kitchen.

Plans for outdoor dining rooms can range from the basic to the outrageous, depending on your inclination and budget. Merely placing tables and chairs to take advantage of (or avoid) the sun, with a barbeque set up nearby, may be all you need. Even so, consider accents to dress up the space, like container gardens and solar-powered lights. If you want to go for broke, install an entire outdoor kitchen with weatherproof cabinets and outdoor-ready appliances.

Often the cabinets and appliances form the “walls” or boundaries of the space which you can then dress up with Spanish tile and a dining set. Use a pergola to provide shade and some cover. Another popular option is the outdoor living room. Some families create not one, but two outdoor living spaces, one on the east side of the house and one on the west side. When it’s hot out, they always have a shady respite, and during cooler weather they can soak up the sun’s rays all day long. Planting greenery around these areas will help defray cooling costs in the summer and provide privacy and protection from the wind. Consider making these spaces more cozy with weatherproof fabrics, rattan furniture and pillow-draped seat walls. And to add interest, build your outdoor living room around a focal point such as a view, water feature or even a fireplace. There are many reasons to consider creating outdoor living spaces.

They not only raise your property value, but can be a place to entertain or simply an easy way to enjoy the great outdoors without having to leave your home.



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Decorative outdoor lighting

The interior of a house or commercial place should complement the exterior, and vice versa. This can be achieved by creating an artistically balanced ambience by using decorative outdoor lighting fixtures at different angles and points. For example if for a small garden or deck canister sized lighting fixtures create a loud and crass effect. To get the right balance the area should be highlighted by using small lights closer to the ground, on tree trunks or eaves of structures around. Light designers and manufacturers realizing potential of decorative outdoor lighting introduced shapes, styles and finishes in consonance with changing times.

Decorative outdoor lights in neo-classical designs, informal or contemporary and stylistic create harmonious setting matching the interior with the exterior. Purpose also decides design of decorative outdoor lightings. For pathways, lightings with top covers or shades are preferred as light is directed out and down but not on the face. There is nothing worse than to be momentarily blinded by instant glare. One does not need a beacon on private property but a decorative light to focus on special features of the house as well as safeguard it. In commercial places such as malls, hotels, schools, colleges, clubs the decorative outdoor lighting should be artistic as well as utilitarian.

Compact fluorescent lights, ground level moon lamps, post lanterns are some of the designs that help control glare and spill. Another transformation from old to new is the use of decorative outdoor lighting with timers and photo cells. One can visualize the gas-burning lamps of 1800’s used to light streets. We have come a long way but nostalgia plays a hand as same idea is incorporated in electricity bulbs available in flame shaped designs.

Whatever the design or style from diamond shaped to opal, antique lamp posts and shades, lights with frosted exterior, guests and visitors should not be inconvenienced by faulty placement and design selection. Instead of being influenced by neighbors, store catalogues or particular shape and color consider requirement, budget and appropriate lighting. If pathway is long and dark then hang Chinese lanterns or wanting to create a partition in the lawn then plant tiki torches available in different sizes and color. Choices are unlimited, requiring a level headed thinking mind to select decorative outdoor lightings.



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