Bronze statues make great corporate gifts

Bronze statues are very beautiful and will definitely capture the attention of those that see them. You will often find them in front of different corporations as a symbol of their unity. They are very common corporate gifts because they can be sculpted into a variety of different types of designs. They can include a logo or animal that represents the business. Other times they can be to symbolize a partnership. Bronze statues vary in size so they can be found inside of the building or outdoors. Either way they are a very lovely addition and they work well for any type of business. They don’t go out of style and they are very durable.

They make a nice addition to any type of business dйcor you may have in the business. There are plenty of unique styles of bronze statues to choose from and you can see plenty of them online. You might see some you like just by visiting different types of businesses. You can also have them custom made so they will make the perfect corporate gift with individual designs. The cost of bronze statues depends on who they the artist is that sculpted them as well as the size of the statue. Bronze is relatively cheap but when you are talking about a very large statue the cost increases due to the overall weight of the project, not to mention the tie and creativity the artist put into the work. Many employers choose to give their employees smaller bronze statues as a token of appreciation or as a Christmas gift.

They can include a name plate with the name of the employee or a small message engraved into it. These bronze statues are the property of the employees and they can choose to keep them in their offices or take them home to display. If you plan to purchase a large amount of bronze statues you should order them in advance. This way they will be sure to have enough of them available to fill your request. It is a good idea to buy some extra that you can give out to business contacts as well if you want to offer them a gift from your company. Make sure you check into getting a discount when you buy a large number of them. Many online sites that offer bronze statues offer free brochures they will mail to you with the collections that they offer. This is a great way to see them and to even ask around to find out if they are something your employees would be interested in receiving as a gift. Even though you can see the pictures on their sites you may want something you can study in your own hands before you make a decision. Bronze is very durable as well so you can be sure it is a corporate gift that is going to survive in an office or home environment.

Showing your employees that you really appreciate their efforts is a great way to help them to feel happy in their role for the company. As a result they will be more productive and generally plan to stay with the company longer than those employees that don’t feel their efforts are appreciated.



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Interim rent equipment leasing s trap door

Many lessees enter into what they believe to be competitive lease transactions based on faulty rate assumptions. Most lease rate calculations don’t take interim rent into consideration. Interim rent is the trap door that allows lessors to receive increases in lease pricing. It is unpredictable and the amount is arbitrary. By understanding how interim can impact your lease, you can close this trap door and enjoy the lease pricing you thought you negotiated. What is Interim Rent? Interim rent, also known as stub rent, is the rent that a lessor charges a lessee from the time the lessee accepts the leased equipment until the official lease start date. Most leases start on the first day of the month following equipment acceptance.

In a lease with monthly payments, interim rent is calculated as follows: multiply the number of days in the interim period by the monthly payment amount and divide the product by 30. In the extreme case, interim rent can add almost a full periodic payment to the lease. In these cases it lifts the effective lease rate dramatically. The impact of interim rent in the extreme case can be seen in the following example: assume you accept a 36-month lease for equipment that cost $100,000. Also assume that the monthly payment is $3,113 per month, paid on the first of each month. Assume that the lease allows you to acquire ownership of the equipment for $1 at lease end. Therefore, your effective lease rate is 8%. Now assume that the interim lease period is 29 days. For simplicity sake, we will round the period to a full month and add it to the lease. The new effective rate for 37 payments of $3,113 is 9.7%. The new rate is more than 20% higher than the rate originally quoted by the lessor. This higher rate represents a trap door in your lease that produces more cost for you and a higher return for the lessor. The Purpose of Interim Rent Many lessors justify interim rent as compensation for obligating themselves to pay equipment vendors on behalf of lessees in connection with lease transactions. As further justification, these lessors point out that lessees have use of the equipment during the interim period. Problems with Interim Rent There are two flaws in the reasoning offered by these lessors. First, interim rent is exorbitant since it is based upon the periodic lease payment instead of the lessee’s borrowing rate. Since each lease payment has a return-of-capital component, the periodic payment is not an appropriate standard to use for interim rent calculations. A calculation based on the lessee’s borrowing rate is probably a fairer measure. The second flaw in this reasoning is that lessors often have not paid for the equipment during the interim period. They may not have incurred any additional cost during this period. The net result is that lessees incur significant increases in their effective lease rates while lessors are able to sneak extra yield through a trap door in the lease. Interim rent can turn a competitive lease into a relatively high rate transaction. Solutions Savvy lessees look for ways to limit or eliminate interim rent. They try to ensure that they receive the lease deal for which they bargained. Here are five strategies to blunt the impact of interim rent: Eliminate interim rent. Try to negotiate a lease that excludes interim rent. One way to eliminate interim rent is to have the interim period count as a partial payment period. Another partial payment period can be added at the end of the lease, such that the two periods constitute one full payment period. Pay interest instead of interim rent. Instead of paying interim rent based upon the periodic payment, base the interim payment upon the implicit transaction rate or your borrowing rate. This method will eliminate the return-of-capital component that plagues most interim rent calculations. Limit or fix the amount of interim rent. If you cannot eliminate interim rent, you can try to negotiate a limit on it. You can offer the lessor a fixed interim period, regardless of the equipment acceptance date. Manage equipment deliveries. Another strategy is to coordinate with the equipment vendor to schedule equipment delivery and acceptance towards the end of the month. End-of-the-month acceptances would ensure a reduction in interim rent since the interim periods would be short. Sale-leaseback at month end. As a last strategy, if allowed by the lessor, you could schedule a sale-leaseback of newly acquired equipment at month end. This strategy would also guarantee a short interim period. It is important to understand the impact of interim rent on your lease. Rather than assume that you will receive the lease rate quoted, review the lease carefully. If your lease includes interim rent, plan to negotiate this feature. Use one of the strategies above to reduce this potentially costly aspect of your lease. Even if you cannot eliminate the interim-rent trap door, you may be able to seal it.



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How to quit your job

Do you to know how to quit your job without ending up on the street? In a nutshell, you need to avoid the self-employment trap, think like a business, and create multiple passive revenue streams. Avoid the Self-Employment Trap If you quit your job and hang up your own shingle, you might work harder for less money. You may enjoy working from home or choosing your own clients, but you might end up living from client to client without building any real wealth. Many self-employed people I know suffer from feast or famine. They spend lots of time and money marketing their services and get lots of clients. They get really busy doing the work and stop marketing and then their prospective client pool dries up. If you set up your business so that you do everything - marketing, sales, bookkeeping, operations, and fulfillment, then you are limiting your success potential from day one. You will spend lots of time on non-income generating activities and may get frustrated and burned-out in a short time. The real key to successfully creating wealth outside of a job is to avoid the mistake of trading one boss for another boss. You need to stop trading your time for dollars. Stop thinking like a wage slave. Look beyond earned income. Think Like a Business There are many problems with earned income. The biggest one is that you are trading your time for money. If you stop trading your time, the dollars stop coming. This is a huge problem if you decide to have a baby, get sick, want to take an extended vacation, or are ready to retire. The IRS penalizes self-employed people who operate as a sole proprietorship with a hefty self-employment tax. How can you avoid this? Well, I am not an accountant or CPA, so I am not giving legal or accounting advice, but I have learned to think like a business. Before you quit your job, interview local tax advisors to educate yourself on different business entities and tax strategies. Start thinking big. Build a Company with Multiple Passive Income Streams You need to build a company that works for you. My best advice on how to quit your job is to build a business that offers multiple streams of passive income in addition to your earned income. There are so many exciting ways to design your income portfolio. It requires imagination, courage and planning. Structure your business so that your daily activities are fun and challenging. Identify the things that you don’t enjoy or are not good at and find other people to do these activities – outside partners, independent contractors, or employees. How to Quit Your Job My advice for how to quit your job is to avoid thinking that you have to do everything yourself to make your new enterprise run. Think big! Set up systems and structures that work for you so you don’t have to work so hard. Incorporate and make the tax system work for you. Design your work around multiple passive income streams to support your active work. And finally, have fun!



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Build credit in your name

If you have delinquent credit and are married, you might want to build your credit in your name instead of using your spouse. Somebody has to have stability. Also if you are divorced and all the credit cards of credit information are in your spouse’s name you will need to reestablish your credit in your name. Getting your credit reestablished is the first step to repairing your credit. When you obtain your credit report you will see that your spouse’s name is listed on the credit reports. This is because together you and your spouse applied for credit cards, took out car loans or what have you. This means that you are responsible for your spouse’s account. The advantage is that credit bureaus cannot list the negative accounts against you if you are divorced. Once you have copies of your credit report you will then need to cancel all joint accounts. If you contact the creditors to resolve the issues on your credit report be sure to ask the creditors to take in consideration your spouse’s credit history. It is important to bring into light your spouse’s credit history when applying for a loan. Let the lenders know that you are now divorced and starting your own credit line. If you apply for credit cards, be sure the cards are in your name and use them wisely since this helps to rebuild your credit quicker than most sources. Make sure that you pay minimum balance on the credit card accounts each month to avoid delinquencies. If at all possible when you see that your funds are low; pay your bills rather than making a purchase on your credit card. Once you bills are paid be sure to make a payment on your credit card. This method not only keeps you out of trouble with other creditors, but offers a solution for repairing your credit. If you can afford to pay your bills each month and use your credit card be sure to only purchase items you need and keep it at a minimal. If at all possible payoff your credit card balances each month to avoid interest. Interest rates cost an additional hundreds of dollars in the long run, so paying off your dues on time can save you money. If you don’t have credit cards and decide to choose a card be honest on your application and look for the best interest rates available. If you are in debt it is wise to payoff your dues before applying for a credit card, unless you intend to use the card to get out of debt. If you plan to use the card to get out of debt search for the best interest rates, as well as cards that offer cash back on your spending. There are tips for managing credit cards to repair credit. It is important that you are consistent with the use of your name. For example, if your name is Robert Leon Swisher Jr., always sign your name accordingly. Do not use your card dishonestly for advantages. Few people believe that lying can get them out of a problem. The truth lying gets you in deeper. If you are filling out an application for credit cards tell the truth. It is important that you understand the timeframe to apply for a credit card. If you are out of work, lived at your resident for less than a year or you have negatives on your credit report, this is not a good time to apply for a credit card. If you are stable it is always wise to apply with lenders where you have done business with them at a later time. Building your credit after divorce is difficult at times. However it is not an impossible task. It is important that you are aware that most credit card solicitations are gimmicks that only offer you a solution for hanging yourself. Instead of getting out a rope, it is wise to stay alert, and investigate any credit card offer made available to you. Finally, you want to avoid low introductory rates on credit cards since after about six months the interest rates often hit the roof.



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A guide to indexes and futures

Many people think that investing in the stock market means that you're going to either be buying stocks or bonds… after all, those are the more well-known types of investment, and it stands to reason that some people would think that they were the only types available. Other investment alternatives exist, however… depending upon the type of investment that you're wanting to make, indexes or futures might serve your purposes better than stocks or bonds. Below, you'll find basic information on both indexes and futures, as well as information on making investments into both of these types of investment opportunities. Defining Indexes If you're not familiar with the term, investing in an index might seem a bit odd to you. All that an index is, though, is a basic category in an industry or type of trade… goods such as gold, diamonds, and even technology can have indexes traded on them, and as the industry improves so does the value of the index. A decline in the industry, of course, will bring about a decline in the value of the index. Investing in Indexes When deciding whether to invest in an index, you should take several things into consideration. Carefully consider the type of industry that the particular index that you are considering represents, the cost of shares of the index, and even the time of the year… after all, most industries will go up in value near the Christmas season and will stay high through Valentine's Day, but they also may go down slightly in early spring. By doing all of this you are trying to determine whether the index prices are currently high or low; though most industry indexes will continue to grow slightly over time, most indexes undergo a variety of fluctuations throughout the year. Buying shares in an index while it's low will help to make sure that you continue to make money in the years to come as the index grows in value. Defining Futures Whereas indexes deal in the current average values of various industries, futures are based upon the potential performance of certain commodities and agricultural products. Trading in futures means that you make an agreement to purchase a certain amount of the commodity at a certain price on a future date… this investment can be to your advantage if the price of that commodity goes up significantly before that date, but can cause you problems should the price fall before then. Investing in Futures Care should be taken when investing in futures… while it is a good opportunity for making money through investment, carelessly buying in futures can result in the loss of quite a bit of your hard-earned money. Before deciding to make a purchase order, take the time to research the commodity that you're considering purchasing and educate yourself in trends in the trading of that particular commodity. You should also remember that various factors can influence commodities, especially those dealing with livestock and agriculture… droughts, floods, and even strikes or labor disputes can drive prices up which likely will result in you making more money than you paid for the purchase. You should pay attention to all of these factors, as well as the advice of respected financial advice sites and investment brokers, and use care when deciding to invest in futures. There is a great opportunity for making money in futures, but there can also be considerable risk. -- You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:



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A buyer s guide to medical insurance

Buying travel health insurance can be a complex task. There are so many different plans - each with different benefits and restrictions. It is important to shop wisely for trip insurance. Many people buy coverage that seems inexpensive only to find out that they are not adequately covered when a medical emergency occurs. Below are a few key questions you should ask your insurance provider before purchasing trip insurance: What is not covered by the policy? Insurance companies call these "exclusions," and every policy has them. Are there specific exclusions relating to sports or other activities? Does the plan have a deductible that you must pay each time you file a claim? Does the plan deny benefits if your medical emergency arises because of a "pre-existing condition or health problem”? Knowing the answers to these questions can help you avoid unpleasant surprises when you make a claim. Make sure you understand exactly what your trip insurance plan covers. When in doubt, call your insurer. A reputable insurance company can give you straight answers to your questions. Most offer toll free numbers so you can call them directly from wherever you are. If you find that a plan has too many restrictions and complications, or that your questions are not being answered satisfactorily, do not hesitate to look somewhere else. A comprehensive travel health insurance plan usually covers the following emergency medical expenses: Hospital accommodations Medical bills such as those for a physician, surgeon, and anesthetist Ambulances Diagnostic services such as laboratory tests and x-rays Private registered nurses Medical aids such as slings or splints, and the temporary rental of wheelchairs or walkers Prescription drugs Cost of returning a deceased back home Remember that when it comes to insurance, you get what you pay for. When shopping around for trip insurance, it is important to keep in mind that not all insurance policies are alike. Be aware of minor price variations between insurance companies (the cheapest may not be the best company to deal with when you have a claim.)



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Defining common banking terms

Banking is one of the most important industries in the world today… the economy of every country in the world flows through the various banks and financial institutions that exist in the world. There are times, though, that some of the terminology that's used in banks and the banking industry might seem a bit confusing to those who aren't exactly sure how they work. Below you'll find a list of common banking services and terms, compiled to assist you in making your banking decisions in case there are some terms that you aren't familiar with. Chequeing Chequeing accounts are one of the most common types of bank accounts in the world, but there are some individuals who might not be sure exactly how the cheque writing process works. Basically, a cheque is a form of contract between an individual and the recipient… the cheque is submitted to the recipient's bank, and its value is transferred from the writer's account to the recipient's. Debit Working on much the same principal as a cheque, debit cards transfer funds from an account held by the user and an account held by a business or individual. Unlike cheques, however, the debit card uses credit card processors and doesn't require the same amount of time as cheque writing. Additionally, there aren't any cheques to write and no chequebook to carry around. Interest Interest is a term that can have two meanings, depending upon which type of banking service it's used in conjunction with. When used with savings, chequeing, or money market accounts, interest is the amount that is paid to you monthly based upon the balance that you have. For loans, credit cards, and other such services, however, interest is an additional fee that you pay that is added on to the monthly balance of your debt. Annual Percentage Rate The annual percentage rate, or APR, is used when determining interest on credit cards. The APR is based upon national interest rates and other rates determined by the bank and dependant upon the credit rating of the cardholder. The APR that you pay may fluctuate, and the lower it goes the less interest you have to pay each month. Equity Equity is a representation of how much of a mortgage has been paid off… some people look at it as how much of your home or real estate you actually “own”. This percentage of how much debt has been cleared from your property can be used as collateral for some types of loans, and can be an important factor in refinancing a home loan. Balloon Payment A balloon payment is a specific type of mortgage payment, and is named “balloon payment” because of the structure of the payment schedule. For balloon payments, the first several years of payments are smaller and are used to reduce the total debt remaining in the loan. Once the small payment term has passed (which can vary, but is commonly 5 years), the remainder of the debt is due… this final payment is the one known as the “balloon” payment, because it is larger than all of the previous payments. Closing Costs Closing costs are additional costs associated with the purchase of real estate and some other high-value items. Once the loan has been approved to pay for the purchase and all of the paperwork has been completed, various costs associated with filing, legal fees, and other commonalities are due at the time of closing the deal. While there are some mortgage lenders who don't charge closing costs, they are required in most cases. -- You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:



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Tired of tinted windows

You may have liked having tinted car windows ages ago. But now, it seems like tinted windows are a thing of the past for you and you would like to see your car’s windows clear and clean. Window tints are also known as window films. They are plastic films or even metallic laminates which are transparent. They are, as their name implies, applied to glass windows. They are much used in cars, automobiles, and vehicles for these window tints actually reduce any visible light that goes through the car’s windows and into the interior of the vehicle itself. They are very helpful especially when you live in areas where the sun seems to shine brightest. On the other hand, window tints could also be quite a problem especially during night time.

Because they darken the light that goes into the vehicle, the driver sometimes cannot see any road hazards that might be lurking on the streets and highways. This is why there are rules and regulations that the government has done so as to make sure that the window tints and films that would be used for automobile windows are not so dark that they could actually endanger the wellbeing of the driver, his passengers, and other motorists. You can bring your car to a shop that offers services like removing the tint from your windows. Of course, you do have to pay a fee for such a service.

But you can do the removing yourself and you would save yourself more money which you could use to purchase Merkur auto parts for your car. A single-edged razor, a clean rag, as well as a spray cleaner would be used to remove the tint from your windows. You start by grab a corner of the film using the razor. Then you can pull the film off once you have a corner of the film already peeled off. When you get the film off, you should put on the spray cleaner to the glass. This would clean up any remains of the film. Let the cleaner stay on the glass for around twenty minutes. Spray on more cleaner if you think your window needs more of that. Then, with the help of the razor, you can scrape off any of the residue. After that, just wipe the glass and your window is now tint-free.



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Fashion tips for women

Are women fashion style statement just about wearing women fashion clothing? Every one of us are different and so its important that we have a fashion statement that best suits our personality. Fashion is nothing but highlighting the best and hiding all the flaws. Points all you women wanted to know about clothing • Always wear a free flowing fabric in one tone to achieve a long and slim look. • Wear clothes on the basis of your body structure. • Velvet and leather is apt for winters and silk, organza and cotton for summers. • For a morning party opt for lighter shades like emerald green, ocean blue, pink or you could also try out for some trendy pastel colors. • For late evening occasions opt for vibrant colors that can add sparkling effect to your dressing sense. • If you are short it would be advisable you avoid wearing short dresses. Rather go for long skirts with a nice fish cut. • If you are thin avoid wearing sleeveless clothes. It would be advisable to wear dark color clothes as they hide your pale body structure. • If you have a medium structure you need to wear beige and fawn color clothes. Skin tone • If you have a fair complexion, then gold with a blend of copper would just look beautiful. • If you are medium wheatish colored, then mixed shades of white, beige and bronzy golden would suit your style. • Dark skin women should wrap themselves with golden copper shades. Helpful tips • Wear clothes of your own size. Never opt for oversized clothes. • Be careful while selecting accessories for a wear. Just don’t pick up something for the heck of it. Remember your accessories speak more about you than your clothes. • Make sure whatever jeweler you wear blends well with your style.



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The fall and fall of the p zine

http://home. wuliweb. com/index. shtml http:// pshares. org/ The circulation of print magazines has declined precipitously in the last 24 months. This dissolution of subscriber bases has accelerated dramatically as economic recession set in. But a diminishing wealth effect is only partly to blame. The managements of printed periodicals - from dailies to quarterlies - failed miserably to grasp the Internet's potential and potential threat. They were fooled by the lack of convenient and cheap e-reading devices into believing that old habits die hard. They do - but magazine reading is not habit forming. Readers' loyalties are fickle and shift according to content and price. The Web offers cornucopial and niche-targeted content - free of charge or very cheaply. This is hard to beat and is getting harder by the day as natural selection among dot. bombs spares only quality content providers. Consider Ploughshares, the Literary Journal. It is a venerable, not for profit, print journal published by Emerson College, now marking its 30th anniversary. It recently inaugurated its web sibling. The project consumed three years and $125,000 (grant from the Wallace-Reader's Digest Funds). Every title Ploughshares has ever published was indexed (over 18,000 journal pages digitized). In all, the "website will offer free access to over 2,750 poems and short stories from past and current issues." The more than 2000 (!) authors ever published in Ploughshares will each maintain a personal web page comprising biographical notes, press releases, new books and events announcements and links to other web sites. This is the Yahoo! formula. Content generated by the authors will thus transform Ploughshares into a leading literary portal. But Ploughshares did not stop at this standard features. A "bookshelf" will link to book reviews contributed online (and augmented by the magazine's own prestigious offerings). An annotated bookstore is just a step away (though Ploughshares' web site does not include one hitherto). The next best thing is a rights-management application used by the journal's authors to grant online publishing permissions for their work to third parties. No print literary magazine can beat this one stop shop. So, how can print publications defend themselves? By being creative and by not conceding defeat is how. Consider WuliWeb's example of thinking outside the printed box. It is a simple online application which enables its users to "send, save and share material from print publications". Participating magazines and newspapers print "WuliCodes" on their (physical) pages and WuliWeb subscribers barcode-scan, or manually enter them into their online "Content Manager" via keyboard, PDA, pager, cell phone, or fixed phone (using a PIN). The service is free (paid for by the magazine publishers and advertisers) and, according to WuliWeb, offers these advantages to its users: "Once you choose to use WuliWeb's free service, you will no longer have to laboriously "tear and share" print articles or ads that you want to archive or share with colleagues or friends. You will be able to store material sourced from print publications permanently in your own secure, electronic files, and you can share this material instantly with any number of people. Magazine and Newspaper Publishers will now have the ability to distribute their online content more widely and to offer a richer experience to their readers. Advertisers will be able to deploy dynamic and media-rich content to attract and convert customers, and will be able to communicate more completely with their customers." Links to the shared material are stored in WuliWeb's central database and users gain access to them by signing up for a (free) WuliWeb account. Thus, the user's mailbox is unencumbered by huge downloads. Moreover, WuliWeb allows for a keywords-based search of articles saved. Perhaps the only serious drawback is that WuliWeb provides its users only with LINKS to content stored on publishers' web sites. It is a directory service - not a full text database. This creates dependence. Links may get broken. Whole web sites vanish. Magazines and their publishers go under. All the more reason for publishers to adopt this service and make it their own.



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Improving sql performance

How do you know how much hardware is really needed by your applications? And what do you do when your applications are overloading your system? The answer lies with improving your SQL performance. You have to tune your hardware SQL server and monitor performance, all of which will be explained as clearly as possible on this page. The first thing to do when you want to improve your SQL performance is you need to learn how to optimize your system by finding out how much hardware you really need to run your applications. The best way to tune your hardware and monitor performance is through the art of performance monitoring which takes experience, knowledge, and sometimes even luck. Performance monitoring guidelines: Make sure you’re running your typical processes and work loads during the monitoring. Don’t only do a real-time monitoring of your servers; capture long running logs. Always have the disk counters turned ON. Set up the chart windows with an interval of 18 seconds for routine, daily desktop monitoring. Know the tools you are working with. Don’t be afraid to experiment. Know the terminology (“objects” are lists of individual stats available; “counter” is a single stat; “instance” is further breakdown of a counter stat into duplicate components). A bottleneck happens when the hardware resources can’t keep up with the demands of the software. This is usually fixed in one of two ways: first, you identify the limiting hardware and increase its potential (i. e. a faster hard drive or increase the speed of the computer); second, make the software processes use the hardware more efficiently. Five areas to watch when improving SQL performance and identifying bottlenecks: Memory usage CPU processor utilization Disk input/output performance User connections Blocking locks



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Chicken pox what you should know about this infectious disease

Chicken Pox is the common name for Varicella simplex, classically one of the childhood infectious diseases caught and survived by most children. Chicken Pox is caused by the varicella-zoster virus. It starts with moderate fever and then characteristic spots appearing in two or three waves, mainly on the body and head rather than the hands and becoming itchy raw pox (pocks), small open sores which heal mostly without scarring. Chicken Pox has a two-week incubation period and is highly contagious by air transmission two days before symptoms appear. Therefore, Chicken Pox spreads quickly through schools and other places of close contact. Once someone has been infected with the disease, they usually develop protective immunity for life. It is fairly rare to get the Chicken Pox multiple times, but it is possible for people with irregular immune systems. As the disease is more severe if contracted by an adult, parents have been known to ensure their children become infected before adulthood.

The disease can be fatal. Pregnant women and those with immune system depression are more at risk. Death is usually from varicella pneumonia. In the US, 55 percent of Chicken Pox deaths were in the over-20 age group. Pregnant women not known to be immune and who come into contact with Chicken Pox should contact their doctor immediately, as the virus can cause serious problems for the fetus. A Chicken Pox vaccine has been available since 1995, and is now required in some countries for children to be admitted into elementary school. In addition, effective medications (e. g., aciclovir) are available to treat Chicken Pox in healthy and immunocompromised persons. Calamine lotion is often used to ease itching and paracetamol to reduce fever.

Aspirin is not recommended in children with Chicken Pox, as it can lead to Reye's syndrome. Chicken Pox is highly infectious infection that spreads from person to person by direct contact or through the air from an infected person’s coughing or sneezing. Touching the fluid from a Chicken Pox blister can also spread the disease. A persons with Chicken Pox is contagious 1-2 days before the rash appears and until all blisters have formed scabs. This may take between 5-10 days. It takes from 10-21 days after contact with an infected person for someone to develop Chicken Pox. The Chicken Pox blisters start as a small red papule which develops an irregular outline in the shape of a rose petal. A thin-walled, clear vesicle (dew drop) develops on top of the area of redness. This "dew drop on a rose petal" lesion is very characteristic for Chicken Pox. After about 8-12 hours the fluid in the vesicle gets cloudy and the vesicle breaks leaving a crust. The fluid is highly contagious, but once the lesion crusts over, it is not considered contagious. The crust usually falls off after 7 days sometimes leaving a craterlike scar. Although one lesion goes through this complete cycle in about 7 days, another hallmark of Chicken Pox is the fact that new lesions crop up every day for several days. Therefore, it may take about a week until new lesions stop appearing and existing lesions crust over. Second infections with Chicken Pox occur in immunocompetent individuals, but are uncommon and rarely severe. Vaccination Japan was among the first countries to routinely vaccinate for Chicken Pox. Routine vaccination against varicella zoster virus is also performed in the United States, and the incidence of Chicken Pox has been dramatically reduced from 4 million cases per year in the pre-vaccine era to approximately 400,000 cases per year as of 2005. The vaccine is exceedingly safe: approximately 5% of children who receive the vaccine develop a fever or rash, but there have been no deaths, as of May 2006, attributable to the vaccine despite more than 40 million doses being administered. 41 of the 50 US states require immunization for children attending government-run schools. The vaccination is not routine in the United Kingdom. Debate continues in the UK on the time when it will be desirable to adopt routine Chicken Pox vaccination, and in the US opinions that it should be dropped, individually, or along with all immunizations, are also voiced. The CDC and corresponding national organisations are carefully observing the failure rate which may be high compared with other modern vaccines - large outbreaks of Chicken Pox having occurred at schools which required their children to be vaccinated. Catching wild Chicken Pox as a child has been thought to commonly result in lifelong immunity. Parents have deliberately ensured this in the past with pox parties and similarly for some other diseases such as rubella. Historically, exposure of adults to contagious children has boosted their immunity, reducing the risk of shingles. Permission is granted to reprint this article as long as no changes are made, and the entire resource box is included.



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Merit based financial aid a real merit to students

Merit-based financial aid is one of the main financial aid packages awarded based on their merit or merit plus of students. Merit-based financial aids usually come from state or federal sources or private sources. These types of financial aid packages are intended to assists students to help their college expenses. Merit-based financial aid need not have to be repaid. The rules and regulations of financial aid packages are based on the federal financial aid rules. Merit-based financial aids can be obtained based on your performance or talents in a variety of areas such as academic achievement, extracurricular involvement, athletic, leadership, volunteer work, or artistic talent (art, music, or theater). You can also obtain merit-based financial aid if you have any other personal qualities which distinguish you in the applicant pool. Merit-based financial aid will not consider you or your family's financial situation.

Though most scholarships are a combination of financial need and merit, but still there are several scholarships which are purely based on merit. Recipients of these scholarships are selected without regard to income information. The amount of scholarship varies according to the state you reside and also in which scheme you are awarded by a scholarship. Now let us check how to search for a merit-based financial aid. First of all you have to contact your State Department of Higher Education. Almost every state will have a scholarship program for its residents. But remember that these scholarship programs will mostly be limited to its students who join the college. That is, for example the scholarship program offered by the State of Alabama will be provided for qualified students of Alabama who decide to attend in Alabama state colleges and universities. Also, the student applying for a merit-based financial aid package need to be enrolled, or accepted for enrollment, or must be attending at least half-time in an approved postsecondary educational institution. Also don’t forget to research institutional scholarships.

Check the various types of scholarship programs offered by the colleges. You can check the college websites, catalogs, and financial aid offices to know the details of institutional scholarships offered by them. Institutional awards are usually offered within a particular college or on a university-wide basis. Hence check what types of institutional scholarships are offered by your college or the college you are going to join. After checking a list of scholarships that interest you, apply for the one with relevant documents which support your achievements. To receive merit-based financial aids you need to fill up the Free Application for Federal Student Aid (FAFSA), no matter how many colleges you are considering. The FAFSA features a section for students to record the colleges to which you need your information to be sent. Remember to check with each college to verify if there are any additional forms required.



Online Merit based financial aid a real merit to students

15 tips for better eating habits

Considering the Bulging Waist Lines of 66% of The Population it is obvious that sticking to a healthy eating plan is a challenge for many people . If your are having problems sticking with that resolution that you set in January, here are some simple tips to help you start to create new and healthy eating patterns Calories count. It's not low fat vs. low carb. You can eat fewer calories by eating less food (which is why you can lose weight on any diet that restricts entire categories of foods or limits portion sizes), but you may get hungry and gain it back. Fat has 9 calories per gram, but protein and carbohydrates have only 4 calories per gram. This means that when you eat less fat, you consume fewer calories without having to eat less food. Eat less fat and fewer simple carb. To achieve a one pound weight loss per week, 3500 calories should be subtracted from your normal weekly caloric intake. To do this, reduce your normal daily caloric consumption by 200 to 300 calories per day and increase your physical activity with a goal of burning an additional 200 to 300 calories per day. Don’t diet. Instead of saying “I can’t have that, I am on a diet” try “I don’t want that, I am changing my eating habits” Be accountable for what and how much you eat – keep a food journal for a month or at the very least a few weeks to be aware of what, when and why you are eating . Paying attention to physical cues and signals can help you determine when your body is cuing you to eat due to hunger as opposed mental or external cues. Ask yourself, "Am I really hungry or am I eating because ..it is there, it smells good, I don’t want to waste food, I’m stressed, I am bored (insert your favorite here) . Do not restrict foods! There are no bad foods, only inappropriate portion sizes. If you neglect certain food groups, you'll end up craving those foods and binging . You also miss out on vital nutrients. Weigh and measure foods for at least a month but at the very lease 2 weeks to be aware of serving sizes and portions. Serving sizes and portions have gotten so distorted over the years in restaurants and the like that most people are completely unaware of what a single serving actually looks like . Most resteraunts servings are 2-3 times single serving sizes. 5. Don't skip meals – eating 5-6 times a day not only stimulates your metabolism but will keep your blood sugar level eating and avoid overeating 6. Be positive. Recognize irrational thoughts. Focus on the things that you have done right and the positive changes that you have made. Remember – success breeds success. Lose weight in a way that enhances your health not in a way that detracts from it You can lose weight by smoking cigarettes or taking such but they are not healthful ways of doing so and you will soon reusme your old habits (and weight) Avoid trans-fatty acids and partly hydrogenated fats ("bad fats"). They may increase the shelf life of certain food products, but they decrease the shelf life of people who eat them. Eat fewer "bad carbs" like sugar and white flour. They are low in fiber, so they are a double punch if you are trying to create healthy eating habits : a lot of calories that don't fill you up, Eat more "good carbs" like fruits, vegetables, legumes and unrefined grains (such as whole-wheat flour and brown rice). They are rich in fiber, which slows absorption and fills you up before you take in too many calories. What you include in your diet is as important as what you exclude. With few exceptions, those protective antioxident and health benefiting substances are found in good carbs, such as fruits, vegetables, whole grains and legumes. 10. Eat less red meat. Dr. Atkins may have disagreed, but it's loaded with artery-clogging saturated fat and has been linked to an increased risk of cancer. Begin by making moderate changes in your diet. If you want to lower your cholesterol level or weight even more (or if you have heart disease and want to reverse it), you may need to make bigger changes. C Choose quality over quantity. Smaller portions of good foods are more satisfying than larger portions of junk foods, especially if you pay attention to what you're eating



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Eating bran to eliminate constipation

One reason many people are constipated is they don't eat a lot of fiber. Most people only eat about 8 mg of fiber per day. To have good health and have good elimination, you need around 30- 35 mg of fiber. Eating bran is one of the quickest and best ways to increase your fiber. It will increase the weight and size of your stools more than the fiber contained in fruits or vegetables. Bran is the outer husk of the grain - wheat, corn, rice, and oat - which is indigestible. It does not irritate the lining of the stomach, small intestine or your colon.

It is not a laxative but promotes the movement fecal matter through your colon in a natural way. Unlike drugstore laxatives or other natural strong laxatives, bran does not quickly purge out all the contents in your colon. Use one or two heaping tablespoon of bran in your morning cereal, in your baking, and in your smoothies. Health Alert: When using bran, make sure you drink plenty of water during the day to keep your stools soft. Here are some other ways to use bran. You can add them to, " baked breads, muffins and other baked goods " breaded mixes " hamburger meat " juices " pancake or waffle mix " salads " scramble eggs " soups " soups " stuffing " vegetarian burger mix " yogurt When you put bran in juices or anything that is all liquid just eat it with a spoon. How much bran should you take for good bowel regularity? Each person is different. You need to experiment. Start with two teaspoon each day and work towards 10 teaspoons a day or until you have bowel movements without effort or straining. There are four basic bran products - wheat, corn, oat, and rice. They all provide a solid source of fiber in varying amounts. Make sure the bran you use is 100% unprocessed bran. Use bran for a few weeks to get your bowel movements back to normal. Eating bran should get your bowels moving in a few days or less. Once your bowels are back to normal, back off from using a lot of bran and depend more on fiber from eating more fruits, vegetables, nuts, and seeds. There are many new products, which use bran added to other nutrients or powders. Although these can be useful, use them for a limit time.



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The hazards of extreme sports

If you're a true extreme sports fan, then you've seen the incredible stunts of the Yasutoko brothers... you're aware of the legend of Tony Hawk... and you've seen more than one brave climber swing from ledge to ledge along a complex artificial cliff face. Extreme sports professionals make it look easy, but the reality is that it is not. In fact, extreme sports require an extraordinary degree of precision and coordination that borders on a need for perfection. In very few sports is one's sense of timing critical not only to winning, but also to preventing serious, life-threatening injuries. Extreme sports are tagged such for a very good reason. For casual fans of extreme sports such as skateboarding, aggressive in-line skating, and ice climbing, the slightest mistake or a sudden burst of muscle spasms during competition can do more than just cause them to lose the game. Forgetting to take a muscle relaxant at the right time or losing your timing to mae that critical grab could potentially lead to serious injuries or a fatal accident. All the dangers involved in doing extreme sports make it even more unbelievable when people like Tony Hawk, Fabiola da Silva, and Matt Hoffman make it look so easy when they perform in their respective extreme sports. The slightest mistiming in getting one's body back to a proper landing position could result in broken limbs, or worse.

Muscle spasms can also be a problem for other sports. For sports that involve incredible feats of physical coordination and strength, such as ice climbing, any sort of muscle problem at the wrong time can result in a drop from a great height. The various physical hazards involved in extreme sports require the same degree of dedicated practice and muscle training as other sports, if not more so. However, the mental conditioning is also an integral part of successfully training someone in the world of extreme sports. Even if it doesn't look like it, concentration plays a large part in extreme sports.

The mind can't afford distractions like nausea and migraine headaches when you're several feet from the ground and you're trying to figure out how many times you can spin your body before you have to get back into landing position. Besides that, your mind must also be attuned such that your coordination is perfect, allowing you to impress people by pulling off nearly impossible stunts and tricks. Interestingly, unlike other sports, the only real way to practice for extreme sports is to basically do the same things, but without the competitive setting. Which means that a person has to expose himself to the same risks that he would while in an exhibition or competition.

Practicing for an extreme sport means that you have to take the same measures to avoid muscle spasms, nausea, migraine headaches, knee pain, lower back pain, and whatnot that you would if there was a cash prize on the line. However, in contrast to the increased risk to one's person if one gets these sorts of problems in the middle of a “run,” there is a lessened risk of the typical extreme sports athlete to actually develop an obvious physical problem. Extreme sports athletes tend to be serious about their training, but somehow maintain a generally laid-back attitude. This may seem rather contradictory, but most athletes in this sport aren't as obsessive as athletes in other sports are. There is a distinct lack of anxiety towards things like muscle structure and physical dominance, as the sports tend to put more emphasis on coordination and style.



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The japanese chess shogi

The Japanese Chess Shogi In Japan, the most popular variant of chess is the Shogi. The game was transmitted from India to Korea and China before arriving in Japan. There are two distinguishing characteristics of Shogi, such as: the captured pieces can be utilized by the captor and played as the part of the captor’s forces and pawned can capture pieces normally, which is one square straight ahead. History of the Game It is believed that Shogi is derived from Chaturanga, which was played in Ancient India and eventually spread throughout Eurasia. It is still not clear when Shogi was brought to Japan. Several theories regarding the spread of Shogi showed that the game probably became popular during the 6th century. Back then, the pieces were not the current five-sided pieces but rather three-dimensional similar to the Chaturanga pieces. One of the oldest documents specifying the existence of Shogi is the Kirinsho, which is a seven-volume work that contains descriptions of how to write characters for the pieces used in Shogi games. During the Heian period, the Shogi pieces used consist of the king, silver general, gold general, lance, knight and pawn. The Rules of Shogi Technically, Shogi is won when the king is captured but there are also circumstances where the defeat is conceded when the mate becomes inevitable. As for the equipments of the game, the two players play on a board, which is composed of squares in a grid containing nine ranks by nine files. The squares are also not undifferentiated by color or marking. The players have a set of twenty pieces, slightly different in sizes. The pieces include a rook, bishop, king, two pieces of gold generals, two silver generals, two lances, two knights and nine pieces of pawns. The several names are chosen to correspond to their rough equivalents in international chess. Each of the pieces has its name written on its surface in the form of Japanese characters, called kanji. On the other side of the piece are one or two characters that when turned face up indicate promotion. The pieces controlled by the two players also do not differ in color; instead they face forward, toward the opposing side. For English-speaking players, the promoted bishops are referred to as horses, while promoted rooks as dragons. The characters on the other side of the pieces may also be in red ink, usually written in a cursive manner. There are also rankings used in Shogi. These rankings are also used in karate, calligraphy and other arts in Japan. For the placement of the pieces, the king is placed in the center file. The gold generals are adjacent to the king, while the silver ones are placed adjacent to the gold generals. The knights are located beside the two silver generals and the lances are situated in the corners. As for the second rank, the bishops are at the same file as the left knight, while the rook is in the same file as the knight located on the right. Like other chess games, each player take turns in moving pieces. The player who first captures the opponent’s king wins the game. However, this rarely happens in practice since most players will concede defeat when the loss in inevitable. More so, in amateur and professional games, any player who makes an illegal move loses automatically.



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Free roofing estimate

With regular maintenance and some care most roofs will have a considerable life of 15 years or more, but regardless of how careful you are in looking after your roof you will inevitably need to have a new roof fitted one day and it can be a large outlay of money, however, your roof provides an invaluable service to you, the house itself and the contents within it so it is important that you do not compromise the quality of your new roof by taking the cheapest quote around. The key is to shop around as much as possible. Get a free roofing estimate from numerous different companies and make sure that you are comparing them on a like for like basis to get the best idea of which quote suits your needs. Preparation before you request a free roofing estimate It is always important to do your research, especially if you know little or nothing about roofing. When you request a free roofing estimate you want to be able to do so with confidence that you know what you are asking for. Searching the Internet will usually yield impressive results for your research and you can always ring a roofing contractor to ask a few questions; they will normally be glad to help in the hope they will be invited to work on the project. Try to research as much as possible regarding the potential materials and some basic building techniques that may be employed. Picking the companies to give you a free roofing estimate Word of mouth is one of the most effective ways of finding good roofing contractors. This way you will already know that the company in question has done good work on somebody else’s house. Look around for houses that are having their roof done and ask the homeowner what they think of the work; if the work has been good they won’t mind telling you. Compare on a like for like basis When you have a list of quotes for anything, whether insurance or for your roofing work it is vital that you compare them on a like for like basis. This is why it is also important that you research the product you are looking to buy before you begin your hunt for the best free roofing estimate you can find. If you have a quote from one company offering you two layers of slate shingles and an offer from another company only offering one layer it is immediately obvious that the latter is going to work out cheaper because they have lower cost of materials and lower labor costs. You should always make sure that you clearly indicate what you want a quote for and this way whenever you receive a free roofing estimate you will be able to quickly ascertain how it stands up to competition from other companies. A free roofing estimate is invaluable in your search for the best value roofing contractor but only when used properly, otherwise it can do more harm than good.



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Day trading with the camarilla equation

: Origins of the Camarilla Equation Discovered while day trading in 1989 by Nick Stott, a successful bond trader in the financial markets, the 'Camarilla' equation uses a truism of nature to define market action - namely that most time series have a tendency to revert to the mean. The equation produces 8 levels that are meant to predict these reversal points allowing the trader to profit from them. The equation uses nothing more than the previous trading day’s open, close, high and low levels and some interesting mathematics to produce these supports and resistances. Trading the Signals Now these levels are numbered L1-4 for the supports and H1-4 for the resistances but it is really the L3, L4, H3 and H4 ones that are most important. When the price level reaches the H3 level the theory behind the Camarilla Equation says that there is a strong resistance at this point and that a SHORT trade should be made with a stop loss at the H4 level.

Conversely, when the price drops to the L3 level there is a strong support and a LONG trade is the recommendation with a stop loss at the L4 level. Breakout Possibilities While the H4 and L4 levels should normally be reserved for setting stop losses on the above trades, occasionally there will come a point when these points are broken through. If this breakout is maintained for a significant amount of time and the price is still on the move then a LONG or SHORT trade should be entered respectively. These trades are not so common but could provide massive profits (or so the Camarilla Equation suggests) Choosing entry point with Camarilla Equation There are two entry points that you may like to consider when using the Camarilla Equation.

Firstly you could trade as soon as the market reaches either the L3 or H3 level and go AGAINST the current trend but there is more of a danger that the trend will continue and you will lose out if this is your preferred method. The alternative is to wait after the market has broken the L3 or H3 level until the reverse actually occurs and enter the trade just as the market passes the respective level once again. This allows you to trade WITH the trend which should prove a safer option. So does it Work? If you are interested in whether or not the Camarilla Equation provides a viable trading method then you may wish to follow my experiment which is testing the given levels for the FTSE 100, Dow Jones and DAX 30 stock markets.



Online Day trading with the camarilla equation

How long should i backtest a online daytrading system

: I am frequently asked how long one should backtest a online daytrading system. Though there's no easy answer, I will provide you with some guidelines. There are a few factors that you need to consider when determining the period for backtesting your online daytrading system: Trade frequency How many trades per day does your daytrading system generate? It's not important how long you backtest a daytrading system; it's important that you receive enough trades to make statistically valid assumptions*: If your online daytrading system generates three trades per day, i. e. 600 trades per year, then a year of testing gives you enough data to make reliable assumptions*. But if your trading system generates only three trades per month, i. e. 36 trades per year, then you should backtest a couple of years to receive reliable data. Underlying contract You must consider the characteristics of the underlying contract.

The chart below shows the average daily volume of the e-mini S&P: It doesn't make sense to backtest a trading system for the e-mini S&P before 1999, because the contract simply didn't exist! In my opinion it doesn't make sense to backtest an e-mini trading system before 2002 because at that time the market was completely different; less liquidity and different market participants. I believe that a reliable testing period for the e-mini S&P are the years 2002 - 2004.



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