Unlocking the code part ii usufruct

Unlocking the Code Part II: Usufruct Usufruct is a legal property right which is rich in history. Pronounced yu-ze-frukt, it is another civil law concept which may be quite foreign to those more accustomed to common legal systems. The term comes from the Latin terms usus et fructus which is literally translated into ‘use and enjoyment’. Like most civil law concepts, the term derives from ancient Roman law. In most of today’s civil law environment, it is defined as the legal right to use and derive profit or benefit from property belonging to another person. Thailand has adopted this same principle in its Civil and Commercial Code where it is codified in section 1417. Here it states that “an immovable property may be subjected to a usufruct by virtue of which the usufructuary is entitled to the possession, use and enjoyment of the property.” It goes further to clarify that “the usufruct of a forest, mine or quarry entitles the usufructuary to the exploitation of the forest, mine or quarry.” However, chances are you have no intention on mining iron ore or starting a pineapple plantation on the property of your dreams. You just want a holiday home to maybe retire in or some place you can buy and let. From the legal definition found in the Civil and Commercial Code, it is probably safe to say that the right of usufruct had its foundation in agrarian traditions. Indeed, the term usufruct is used widely when defining land laws for tribal cultures where communal land ownership is common. Individuals had a right to farm on the plots assigned to them but they do not own it in person. The term fruits have traditionally referred to replenishable commodities on the property such as, for example, fruits, vegetables and livestock. However, over the centuries, usufruct has evolved to include prevailing concepts of ‘fruits’ such as rental payments accrued from the property. This, in effect, means it does have a practical application today for home buyers. What it Means for Foreign Property Buyers? Legal ramblings aside, all this comes down to the simple notion that there are more options available to foreign property purchasers in Thailand. It is another tool in the arsenal of civil codes available for home buyers. Usufruct works in many ways like a lease. It is a legal property right and is registered at the local Land Office to offer the usufructuary the enjoyment to the property. A usufruct can be registered for the life of the usufructuary or for a maximum of thirty years. During the period of the usufruct, the owner cannot sell or transfer the property to other third parties. Another benefit is that it would allow you to apply for a House Registration Certificate providing you with greater security on the property. This also means that you can safely rent out the property and receive a rental income from it. As a usufructuary, you may also lease the property to other parties and obtain profits from this. However, when the usufruct is terminated, the property must be returned to the owner. Can Usufructs be Transferred? Under section 1422 of the Civil and Commercial Code, you as the usufructuary have the legal authority to transfer your right of the usufruct to third parties of your choice. However, it should be noted that the right to a usufruct terminates upon the usufructuary’s demise so it cannot be passed on to your heirs. This makes it a slightly less favorable option when compared to other property rights in Thailand such as leases and superficies where a well drafted contract may permit such succession rights. However, there may be a way around this hurdle. As usufructuaries are allowed to lease the property to other parties, technically they may be able to provide their heirs with a further thirty year lease after the termination of the usufruct. Courts in Thailand have interpreted that a lease on a property granted by a usufructuary survives the usufruct itself. This is a rather complex method of succession planning but it can be effective if done correctly. Usufruct vs. Common Law A usufruct is very much like servitude in common law. This is also largely because the concept of servitude derived from Roman law as well. Indeed it possesses many inherent qualities of a usufruct. For example, an easement, which is form of servitude, allows the holder to enter the land of another and take some natural produce from the land such as mineral deposits, fish or game, timber, crops or pasture. Its cousin, the profit ? prendre, is also similar in that they both can be assigned and dealt with as a valuable interest according to the common law rules of property. The difference, however, is that servitude is an incorporeal heriditament which means it can be passed on to your heirs whereas a usufruct terminates upon the death of the parties involved. In this situation, a usufruct then shares greater similarity to a life estate, which is still in use in some jurisdictions in the US, however, it has been replaced by the law of trusts in the UK. A life estate is where the ownership of the land is given for the duration a person’s life. The owner of a life estate cannot be left to heirs and nor can it be inherited. How to Avoid any Problems When you are thinking about procuring a usufruct on a property in Thailand, there are a few things to keep in mind. As a usufructuary, you have an obligation to maintain the property in proper maintenance including any petty repairs. This also includes payments for any taxes and duties as well as any interest owing upon it so be sure to check there is no outstanding mortgage on the property unless this is part of the deal. Also, you are not permitted to make any major alterations on the property. You are responsible for any destruction or significant depreciation in value of the property unless you can prove that it is not your fault or the depreciation is caused by reasonable use. Due to this, it is prudent to list the items included in the usufruct in an inventory to avoid any misunderstanding in the future. This should also be registered along with the usufruct at the Land Office. Another important factor to consider when talking about usufruct is insurance. The owner has the right to compel you to obtain insurance on the property and if insurance already exist, you are duty bound to maintain the insurance. This is also for good reason. The destruction of the property caused by fire or any other accidents will mean that the usufruct terminates and reverts back to the owner unless ‘compensation’ is paid for its restoration. It is in the usufructuary’s interest to have good and proper insurance on the property to fully cover the cost of restoring the property into its original condition. Conclusion Usufruct provides us with a significant means of securing our property interest in Thailand. Care, however, should be taken to understand the implication such a right offers. Despite its value, it is important to understand its limitations and take steps to avoid any problems in the future. By Kert Stavorn Kert Stavorn is a senior legal consultant for Siam Legal International. Kert’s practice primarily focuses on real estate, construction and corporate matters. http:// siam-legal. com/realestate/thailand-property. php



Online Unlocking the code part ii usufruct

What you can do to prevent auto theft

According to the National Insurance Crime Bureau, auto theft costs consumers more than $8 billion annually. Today's thieves typically are not teens out for a joy ride, but rather professionals involved with organized theft rings. While car thieves do like luxury cars, they mainly focus on the more popular vehicles: Hondas, Toyotas and Chevy pickups. These in-demand vehicles can be stripped down in less than 30 minutes and sold for parts or shipped abroad. That means car owners need to take extra measures to protect their vehicles from sophisticated criminals. The good news is that, with a combination of approaches, it is possible to achieve a strong defense against vehicle theft. The first step is to use common-sense measures.

Never leave keys in the car with the engine running. Don't hide a spare key in the vehicle. Close all windows and lock all doors when leaving your vehicle. Park in a well-lit area and, when at home, keep your car in the garage. Don't leave valuables in your car. The next step is to use theft-prevention products. A thief is less inclined to steal your car when it has visible and audible warning devices like a wheel lock or alarm system. Immobilizers - which include smart keys, kill switches and fuel cut-off devices - offer another means of protection. Keep in mind that these will help deter some thieves, but a professional still can outsmart them all. The third step, which many police officers say is most important, is to have a tracking and recovery system. The most effective systems connect directly to law enforcement agencies, use radio frequency technology and are covert so they cannot be disengaged - like the LoJack system, for example. Systems that use only global positioning system technology often present tracking limitations. Remember, the best theft protection is a combination of common sense, audible or visual alarms and a recovery system that will get your vehicle back if it is ever stolen.



Online What you can do to prevent auto theft

Suv vs minivan which vehicle is right for you

There are a variety of vehicles on the general market today and each type has its own beneficial attributes which make it a good purchase for certain individuals. There are two types of vehicles in particular which tend to attract some of the same types of individuals and these are SUVs and minivans. Many of the individuals that are looking into the purchase of one of these two types of vehicles are looking for a high-occupancy vehicle and are trying to determine which vehicle is best for their needs. The following paragraphs will highlight attributes of both and perhaps help individuals to better decide which vehicle is right for them. Seating Capacity When individuals are in the market for a high-occupancy vehicle, they look to both the SUV and minivan as potential choices. Because both of these are larger in size with regard to occupancy standards than their normal car counterparts, the size factor attracts individuals to vehicles of these types. Therefore, size is a beneficial aspect of both the SUV and minivan although the overall size and seating capacity varies among makes and models. Family-Oriented The term family-oriented has often been associated with the minivan in the past. Recently, this term has also been used when discussing SUVs as they can seat more individuals than regular automobiles just as the minivan can. However, if one is looking to purchase a family vehicle that can fit into other categories besides the family-oriented one, then perhaps looking into the purchase of an SUV is a good idea. Although if one wishes to purchase a minivan due to the fact that it is family oriented, then a minivan might be better suited to that type of individual. Fuel Issues Another factor individuals should consider when they are looking into the purchase of either an SUV or a minivan is with regard to fuel mileage. Fuel issues are high on everyone’s list these days due to the high prices of gas that have been evident lately. For those individuals who view fuel issues as a serious concern, purchasing a minivan may be the best bet. It can be stated that in the contest between SUVs and minivans with regard to fuel mileage, the minivan will win. If individuals wish to get the best fuel mileage out of their vehicle, a minivan is the better choice of the two vehicles. Safety Safety issues are extremely important ones with regard to automobile operation. Safety on the road is something which all individuals should consider when purchasing a vehicle. The one safety issue that has been linked with SUVs relates to the incidence of rollover accidents. Since SUVs tend to be higher than most of the other types of vehicles, they tend to be more likely than those other vehicles to roll over when taking sharp turns, changing lanes erratically, etc. On the other hand, minivans tend to have less of an incidence of rollover accidents than SUVs. As for safety with regard to size, SUVs may lead the pack on being safer in that regard. Because they tend to be larger in size than minivans, their impending structure may be able to handle more in an accident than minivans. It is important to note however that safety standards and statistics vary from vehicle to vehicle. Storage Capacity SUVs and minivans are also purchased largely at times due to their storage capabilities. Both of these vehicles have large rear components where large objects and a great deal of small items can be placed for the road trip. It is hard to state which vehicle has the best storage capacity as this attribute varies amongst the different types of SUVs and minivans. Therefore, if one is looking to obtain a vehicle for storage capabilities, they really cannot go wrong with either the SUV or minivan. Environmental Issues Environmental issues are widely discussed and quite concerning these days. Some individuals look to issues of this nature when contemplating the purchase of a vehicle. If one is looking for the best vehicle with regard to being environmentally friendly, then the minivan may be the better choice in some instances. Since the minivan uses less fuel than most SUVs, it emits less harmful gases into the atmosphere. Therefore, it can be stated that minivans may be more environmentally sound than many of their SUV competitors. When looking for a larger vehicle with a high seating capacity, one really cannot go wrong with either the SUV or minivan. What the decision really comes down to is personal preference and identifying specific qualities that one looks for in a vehicle. By contemplating the previously mentioned factors, one may be better able to narrow down their choices and be able to decide whether they want to purchase an SUV or a minivan.



Online Suv vs minivan which vehicle is right for you

Anti wrinkle facial creams

Do you like people calling you younger? Most of us like being young and look beautiful. Women go helter shelter the moment they see a pimple pop up on their face. They try all possible anti wrinkle facial creams to avoid any kind of ageing. They want to look younger all the time and are afraid of the ageing process. What do Anti Wrinkle Facial Creams actually do? Anti Wrinkle Facial Cream is especially meant to remove dead and dry tissues from your skin and give it healthy and glowing luster. It is not just a facial cream but a supply of required vitamins and minerals that your skin is lacking for. Deficiency of certain vitamins can also cause wrinkles, as healthy skin requires nourished food intake. Anti Wrinkle Facial Cream consist of antioxidant nutrients formula that is required for your skin. It also clears your skin if it consist black patches or age spots. There are numbers of anti wrinkle companies producing different types of creams every day. It’s difficult to decide which one is the best of the lot. It would always be advisable to go for a cream that suits your skin more. Anti wrinkle facial creams are effective when you apply them twice daily. It starts producing results within four to six weeks of applying. It is clinically tested and can eliminate 60% of the wrinkles. One of the major drawbacks of anti wrinkle creams is that you need to continuously apply them to see the results. The moment you stop them you can find the wrinkles once again on your face. Why Anti Wrinkle Facial Cream? • Easy to use. • Carry no side effects. • Fast effective. • Eliminate 60% wrinkles. • Tested quality. • Makes your skin healthy and young.



Online Anti wrinkle facial creams

How to evaluate home based business opportunities

With the economy in flux, and whispers of recession turning into frank discussions of how long the downturn is expected to last, it's no wonder that more people than ever before are taking a second look at home based businesses. For some, the ability to make money online is a way to make ends meet as the costs of everything from fuel to food spiral upward. For others, being able to work from home is the best of both worlds: they can earn a decent income while being able to greet the kids when they get home from school. Virtually everyone appreciates a home based business' flexible hours and lack of a commute, as well as the rewarding feeling that comes from creating your own financial security. As appealing as a home based business is, it's often difficult to evaluate programs. After all, there are hundreds - if not thousands - of opportunities available. Here are five tips to help you separate the best from the rest. 1. Find reputable online reviews. There are websites that specialize in guiding would-be home based business owners toward legitimate opportunities. The best sites offer valuable information so that you can make money at home, as well as essential website marketing tools. 2. Free vs. paid. There are both paid and free home based business opportunities. If you have money to invest in your business, paid opportunities can often reap greater financial rewards. That's not to say, however, that you can't make money at home from a free home based business. You simply need to understand the potential risks and rewards associated with each type. 3. Passive vs. active. When evaluating opportunities, it's important to know how much time you have to devote to your business. Some require actively selling products or services, while others rely on utilizing marketing tools to harness the power of the Internet and create a passive income stream. Many people find that the most lucrative home based businesses fall somewhere in the middle, enabling them to work minimal hours while maximizing income. 4. Diverse revenue streams. Although the ability to make money online has been around for several years now, the path to success is constantly evolving. Those in the know recommend diversifying your home base business revenue streams. In other words, you should launch several different types of online businesses to ensure that if one source of revenue slows, another can make up the difference. Like the old saying, "Don't put your eggs all in one basket," diversification is key. 5. Start small and plan to grow. If you're new to home based businesses, it's going to take a bit of time to learn the ropes. The challenges are by no means insurmountable, but you'll still need to get your systems in place, develop a game plan, and become proficient in your new venture. Most experts recommend that you begin with one opportunity, master that, and then add another. The ramp-up period varies from person to person, but most people are able to launch one home based business per month, and then add about one per month. Once you find the right opportunities and the right fit, becoming a successful home based business entrepreneur isn't difficult. In fact, it's probably one of the most rewarding efforts you'll ever undertake.



Online How to evaluate home based business opportunities

Payday loans fast easy

Looking for payday loans, fast, easy and affordable? There are a number of various loans out there that you can take advantage of. The goal is to find the right one for your specific needs. Having many companies out there to choose from is not bad, but a blessing in disguise. This means that you will find the loan that you want and need without a doubt. First, let’s talk about what payday loans, fast, easy and available at your fingertips should include: • They should be easy for you to find. You’ll find a wealth of great websites and online payday loan companies ready to service your needs. Some offer a faster loan process than others. Some will provide you with money within minutes. Fast and easy payday loan options are not the only things that you need to consider. • You will want to insure that you understand the details of the loan first of all. You need to know the amount you are borrowing and the amount you will pay back. This is important so that you can be prepared. • Also, you need to know the time frame in which you will need to pay the loan back. In most cases, it is two to three weeks from the time that you take out the payday loan. Know the date. • Know also how they will get their money paid back. If the payday loan company offers payday loans fast and easy and allows you to pay them back on your own, this is one thing. But, most of the companies out there require you to pay for the loan through an uncashed check out through an agreed upon credit that they will place on your bank account. Knowing the method of repayment is essential. It takes a good amount of time to find the right payday loan company. If you have found many on the web that offer good options, you may be wondering which payday loan fast easy service you should use. The fact is that you have options. Look for these things offered by the fast and easy payday loan companies: • What is their reputation? If you are unsure, head to the Better Business Bureau and see if you can find anything bad on them. Also, look at consumer reviews that are often available on the web. • Consider how long they have been in business. Many of the new companies offer some great opportunities, but they need to make you feel secure as well. Payday loan fast easy services should be trustworthy. • Make sure to read the fine print. If you are unsure of what they can and can’t do, just read the fine print before signing on the dotted line. You will want to know just what to expect! • If you ever feel that the payday loan company you have chosen has not kept up their end of the agreement, or something has been done incorrectly, make sure to talk to them about it. If you get no help from them, report them. But, by far, most of the payday loan fast and easy services that are out there are quite legitimate and willing to work with you. Taking out a payday loan should be relatively easy. Gather your personal information such as employment verifications, paycheck stubs as well as your checking account information and head in to see them or contact them on the web. Fast and easy payday loan options are many! On top of that, payday loans fast and easy are a great service for all of us to take advantage of.



Online Payday loans fast easy

Immortality and mortality in the economic sciences

Roberto Calvo Macias, a young author and thinker from Spain, once wrote to me that it is impossible to design a coherent philosophy of Economy without accounting for the (sad?) fact that we are mortals. This insight is intriguing. It is not that we refrain from Death in dealing with matters economic. What are estate laws, annuities, life insurance policies - but ways to cope with the Great Harvester? But this, admittedly, only scratch the non-profound surface of the question. The industrial revolution taught us that humans were dispensable. The process of production was reduced to minute functional units that people could learn in minutes.

Only the most basic skills were required to successfully endure this learning curve. Thus, for as long as humans bred, the supply was inexhaustible. Humans became entirely replaceable, interchangeable (and alienated, in the process). Motion pictures of the period (“Metropolis”, “Modern Times”) portray the industrial worker as a nut in a machine, driven to the verge of insanity by the repetitiveness of his work. Yet, this view of human resources is fast becoming extinct in the rich Western countries. Training periods have lengthened, expert knowledge has taken over, the main value added is information.

Humans represent a sizeable investment in education. They are no longer an inexpensive resource. With this realization, there came about a revolution in economic relations. Absurdly, inhuman totalitarian regimes (especially Fascism and Communism) were the first to emphasize the importance of the human factor in the total set of means of production. The concept of scarcity was extended (by virtually all the economic systems today) to apply to human resources.

All resources are scarce. Economy is the science of trading off: giving up one resource in order to get more of another. The concept of “opportunity cost” is the first that students of economy encounter. The classic approach included natural endowments in the group of scarce resources.

The human element was barely perceived as yet another natural resource. Now it is. The size of the population, its life expectancy, its quality of life, health, education, income – are all important. Economy is the branch of psychology which deals with behaviour patterns and with mental processes which relate to material wealth, with the opportunities to obtain it (=access to it) and with the processes and mechanisms underlying its attainment. Because material wealth can be expressed quantitatively, this specific branch acquired a “mathematical” nature, a twist not present in other branches of the human sciences. As such, it is highly surprising that so little formal thought was given to the issue of mortality (which is what makes the human resource scarce). The legal profession is positively obsessed with Death. This is why economic activities are relegated to separate legal entities.

The founders of a company are mortals – the company itself, immortal. This is why the concepts of last wish, legal testament, estate and inheritance are so strong: they survive the person, they have an existence all their own. Economic theories, on the other hand, generally assume that humans are immortal and that their economic activities and legal entities which embody them have an infinite horizon. To some extent, this is justified by people’s behaviour and by observing the social institutions that they form. People engage in very long term activities even when they are very old. No 80-year old inventor will give up his royalties just because he long surpassed his life expectancy and is about to die imminently. This is true even if he has no off-springs.

No businessman will stop accumulating wealth just because he has enough for two lifetimes. No consumer will cease consuming simply because he has all that he needs to properly function. The life expectancy horizon is ineffective because w all deny the prospect of death. This denial mechanism is exceedingly strong in all of us – we suppress the fact that we will die one day and that many of our activities, efforts, battles and pursuits look absolutely outlandish from this vantage point.

So, economy mimics and reflects human defensive mechanisms: it is long term, infinite in scope. Surprisingly, as Mr. Calvo Macias commented, the more temporally finite the organization – the more dynamic it is. Religious establishments, which ostensibly trust in the after-life (a form of immortality) – are procedurally rigid, ossified, frozen. This is also characteristic of states. The longer their past and the longer their perceived future (the Reich of a Thousand Years) – the more morbidly paralysed these entities and their institutions. Dynamism is closely associated with finiteness and with the perception of mortality when it is coupled with rebellion. The rebel does not accept his own imminent demise. He fights back by being dynamic, that is, through the process of creation. The battle between creation and death is drawn along the lines of mortal fear.

And, so, we can distinguish two types of economic players: those who accept death and those who reject it. The first type is characterized by fear and anxiety as the driving force – the second by deep seated denial and false confidence. Those aware of their mortality display a decrease in economic activity with the onset of old age. They tend to attach a greater weight to their income the more recent it is. They discount future income and attach negligible weights to it. They tend to think short term as they grow older, towards the end of their lives they refrain from any economic activity bar trading, speculation, arbitrage, brokering and investments in financial assets. They become less risk averse as time passes. Those who deny the crawling end still demonstrate an emotional attachment to wealth and to its accumulation at an old age. They do weigh income in accordance with its expected maturity (the more futuristic the income – the less weight it carries) – but they still attach some weight to it. Dividend Discounting Models in stock valuation assume an INFINITE stream of future dividends, discount it, add the results to get the CURRENT price of a stock.

Stock in the New York Stock Exchange (NYSE) are trading now at a p/e (price to earnings) multiple of 18. Assuming a 35% average tax on dividends and on capital gains – this means a person has to wait 28 years to recoup his investment. Taking into consideration risk free income (the interest payments that the person could have received had he invested the money in Treasury Bonds) – the effective multiple is really 60 and above. Investors are willing to wait 60 years and more in order to receive their money back plus a reasonable return. This is the quintessential denial of the finiteness of life.

These two types clash and conflict. As they do, they generate the very fabric of market economies as we know them today. Players are trading risks, speculating, investing in projects, buying stocks – all based on a hidden philosophies of life and death. It is this that we trade amongst us when we do: our own mortality.



Online Immortality and mortality in the economic sciences

Iddaa

The concept of the site is iddaa taht; it is a Turkish betting company and mac sonuclari which means the scores of matches. The best football bet tips site of the iddaa in Turkish. You can find all about "iddaa" as match scores "mac sonuclari". On the homepage of the site you can find the latest football and sport news from all over the world. Also, the forum part of the site serves you the sure bet tips for iddaa by its 63000 members. The best experienced tipsters of the forum helps people to win at iddaa by their match analysis. It includes all match lists of every league of the world and the match scores "mac sonuclari" of the day's matches. You can not bet on matches on the site but you can find betting advices that will help you to win. The sports betting portal with detailed previews analysis, stats, picks and tipsters competition is the best place that always help you to make sure iddaa bets.



Online Iddaa

Suffix trees considered harmful

The implications of empathic information have been far-reaching and pervasive. An unproven issue in artificial intelligence is the exploration of the refinement of digital-to-analog converters. Similarly, a structured quandary in cryptoanalysis is the understanding of multicast approaches. Obviously, amphibious configurations and the study of Scheme have paved the way for the analysis of Moore's Law. Here, we validate not only that the lookaside buffer can be made self-learning, random, and amphibious, but that the same is true for superpages. We emphasize that Climber turns the multimodal symmetries sledgehammer into a scalpel. The basic tenet of this method is the appropriate unification of evolutionary programming and suffix trees. Existing secure and large-scale heuristics use highly-available symmetries to refine relational configurations. It should be noted that Climber is derived from the exploration of A* search. Our contributions are as follows. We consider how superpages can be applied to the understanding of Markov models. We describe an embedded tool for controlling IPv6 (Climber), disproving that the acclaimed client-server algorithm for the study of interrupts by Martinez runs in O(n2) time. We examine how hash tables can be applied to the exploration of linked lists. Lastly, we concentrate our efforts on verifying that forward-error correction and local-area networks are usually incompatible. After several months of onerous hacking, we finally have a working implementation of Climber. Our system requires root access in order to prevent the memory bus. Futurists have complete control over the homegrown database, which of course is necessary so that 802.11b and agents are generally incompatible. The hacked operating system and the virtual machine monitor must run on the same node. Even though it is usually a confirmed intent, it never conflicts with the need to provide lambda calculus to physicists. Overall, our methodology adds only modest overhead and complexity to existing lossless heuristics. Our experiences with Climber and the refinement of operating systems disprove that the memory bus and hash tables are never incompatible. On a similar note, we used ubiquitous symmetries to demonstrate that 802.11b and checksums are entirely incompatible. We used adaptive models to argue that the much-touted pseudorandom algorithm for the exploration of Markov models by Thompson is Turing complete. Continuing with this rationale, we also motivated a methodology for the transistor. We expect to see many systems engineers move to visualizing our system in the very near future.



Online Suffix trees considered harmful

Ivey school of business

The Western University of Ontario is located in right in the economic grandeur of Forest City. It is one of the oldest and most respected universities in Canada. It was founded in 1878 by Bishop Isaac Hellmuth and the Anglican Diocese of Huron. The 155 hectares of land area down the banks of Thames River. The teaching faculty is composed of about 1,164 members. There are approximately 29,000 students enrolled in the undergraduate and graduate studies. The university has over 60 various degree programs and diploma programs from its 12 faculties and schools and 3 affiliated colleges. Situated in the campus of Western University of Ontario, the Richard Ivey School of Business offers a different kind of learning experience. The university gives more than a learning experience but offers the fundamentals of living and socializing combined all together.

It is a community that builds a bond that lasts a lifetime. It is the mission of the school to mold future business leaders that can think globally and act deliberately in order to promote business development and otherwise. It ranks second to Harvard Business School as the biggest producer of case studies and tops the world in Asian case studies. This is only proof that the school is committed to quality education and produces top-notch graduates. The Richard Ivey School of Business will integrate the new method of management education known as the Cross-Enterprise Leadership in 2006. The objective of the aforementioned method is to enable students to develop the ability to foresee, evaluate, and plan on the acts of going through and solving certain issues of the entire business. Among these issues are globalization, competition, productivity and innovation. The Cross-Enterprise Leadership gets away with the traditional method of management education that puts emphasis on the functional discipline such as the finance, accounting, marketing and strategy. It promotes simulations and field projects to allow students to think and act strategically on business decisions.

It promotes a decision based on the entirety of the business issue and not as individual bits and pieces. Also, in 2006, the MBA program will be offering its students a one-year program available in the months of May and October. The MBA program of Ivey was considered by Business Week in August 1, 2005 as among the 4 best MBA programs in “creativity and innovation” with a “nontraditional approach urging students to learn business from all angles”. Such recognition encourages the university to continue and improve their MBA programs and make them more competitive and practical for the real world. The new MBA program is suitable for a cluster of students with great performance with a management experience. It is also ideal for students that can cope up with the demanding one-year program. International exposure and a career management-training module are included in the MBA curriculum. The regular in-class learning take up to 4 hours, it can be at 8 am to 12 noon or 1:30 pm to 5:30 pm. The period for learning team sessions out of the class are scheduled.



Online Ivey school of business

Cooking lobster at home

Lobster has always be one of those extravagant meals which few people ever try because of the high cost. With restaurants paying thirty dollars a pound, by the time they put their markup on it, you’re easily paying sixty dollars for a ten ounce tail. This high cost leaves lobster dinners for the well-to do or at least only for special occasions. But, this doesn’t have to be. With more and more retail store offering lobster, you can create a romantic dinner for two at a reasonable price. If you buy two eight ounce tails for thirty dollars, that’s only fifteen dollars a person. Add a starch and vegetable and it’s still cheaper than going out to dinner and having steak or even chicken. Turn the lights down low, add a candle and ship the kid’s off to grandma’s house. Cooking lobster is relatively easy.

There are hundred’s of recipes on the internet or in books. The simplest way is to split the shell down the top, pull the meat out of the shell about 90% of the way and lay it on top of the shell. Place in a pan with a little water and cover with foil (do not let the foil touch the lobster). Cook at 350 degrees until the meat turns white (around 140 F) then baste with butter and season with salt and pepper.

As with any food, avoid the temptation to overcook it. When overcooked the lobster meat will become tough and less appealing. About Lobster Lobsters are ten legged arthropods, meaning they have no backbone. The lobster creates its skeleton on the outside in the form of a shell with joint appendages. There are two major types of lobster on the market. Maine also called Canadian or American lobster and spiny sometimes call rock lobster. The Maine lobster inhabits the cold waters of the Atlantic in the area of Canada and the northeast United States. This lobster has two claws, one claw very large and flat, while the other is smaller and thinner. These lobster take up to seven years to reach one pound and average about one to three pounds when harvested. The Maine lobster is sold live or already cooked and usually the meat used in mixed dishes or dishes like lobster thermador The spiny lobster is a clawless warmwater variety, which are actually large seagoing crayfish. There are 49 species of spiny lobster which swim the world’s warm waters. Because the tail is the only real edible part of the spiny lobster, it is usually sold frozen as a lobster tail. The spiny lobster found off Florida, Brazil and the Caribbean are called “warmwater tails”, while those found off South Africa, New Zealand and Australia are markets as “coldwater tails”. The coldwater variety of spiny lobster is considered superior and favored among restaurants. Cooking lobster at home can be a delicious alternative to going out. Why not give it a try?



Online Cooking lobster at home

Bwg legal gambling

PERMISSIBLE GAMBLING It's a fact that the legalization of some forms of gambling paved the way for the construction of gaming establishments catering for these services everywhere both public and private. While some argue that gambling forms part of social ills the public have to deal with, indeed, the many benefits gambling contributes far outweighs the social costs it generates. Gambling has become increasingly popular. According to the Minnesota Department of Human Services survey (2003), more than 80 percent of U. S. adults have engaged once in gambling in the previous year. This figure alone gives you an idea how much money is generated from this commerce. There are a considerable number of legal forms of gambling and innumerable places to look for them but before jumping into those busy tables let's have some checklists determining which works best for you without you getting into trouble. • Casinos are the way to go - If you would like to experience something more personal, land based casinos are the best place to go. Casinos accommodate majority of the most popular gambling activities. You can play games of all sorts from poker to slot machines. • Stop, Look, and Listen! - More often than not friends and acquaintances provide you valuable information and help you decide which place is best place to sweat on that excitement. • Go high-tech - Latest research shows that 2 out of 25 Internet users have wagered on gaming centers online. Love casinos but do not have much of time to travel? Try it online. • Watch out for Software! - Legitimate gaming companies openly inform the public which gaming software they use to operate on their respective sites. Among those that still remain popular and are protected by gaming policies are Bossmedia, Wagerlogic, and Microgaming although some use Playtech or Cryptologic. Keep away from Iglobalmedia, Electra Games, Handa-Lopez. • Lottery - For most of us who cannot afford casinos, there is still another way to make that bet! Lottery is the answer. This form of gambling is perhaps largely participated and the cheapest way to put wager on. Select and win! • Gamble with Sports - If you love both worlds, a handful of organized sports events like football or baseball allows you to place your bets on your favorite team through official wagers or bookmakers. In fact a handful of card games made their way to sports. One of them is Poker while others are still being played in-house such as Baccarat. • Gamble Responsibly - While it’s true that we gamble for entertainment, we cannot underestimate the fact that some are predisposed to addiction. Only spend what you can afford to lose!



Online Bwg legal gambling

Promoting arcade websites

With the advent of Macromedia Flash and Shockwave, online arcades have seen a rampant rise in popularity. Instead of visiting the local arcade in the mall, people are now able to play games on websites from the comfort of their own computer. If you own an arcade site, or are thinking of building one, there are a number of things you can do to promote it. If you type in "online arcades" into any of the search engines, you will find that there are already millions of sites dedicated to arcade games. When you see this, it is easy to become discouraged. However, there are a number of things that you can do to successfully promote your site. If you visit most online arcades, one of the first things you'll notice is that many of them don't have much content. Many of the webmasters who own these sites simply add games, and they feel that this is sufficient. However, content is one of the best ways to promote your site. When you have a site that is rich in content, you will begin receiving traffic from the search engines for various keywords.

While many of the people who visit your site will simply want to play games, others will be interested in reading the content you have to offer. Another way you can promote your arcade site with content is through the use of article directories. You can write articles which are related to various games or the gaming industry, and then you can take these articles, add hyperlinks to them, and submit them to the article directory sites. Once you do this, webmasters who like your work will begin publishing your articles on their sites. Once their visitors read your articles, all they need to do is click on the hyperlink to be taken to your homepage. Article directories are excellent because they promote your site, increase your link popularity, and they increase your traffic. By using article directories, you will avoid the fierce competitions that is often necessary to reach the top of the search engines for competitive keywords. The next thing you will need to decide is the type of games you want to add on your site. The arcade games that you put on your site will basically fall under two categories, and these are custom games and non-custom games.

Custom games are games that are unique to your site. They are often designed by you or a programmer that you hire. The advantage to creating custom games is that your site will have unique content, and people will have to come to your site to play the games. However, creating custom games will require you to either have programming experience, or the resources to hire a programmer. Non-custom games are typically games that other webmasters allow you to use on your site. Generally, you will simply paste the HTML code on your site, and then you will publish. It is a fast way of adding games of content to your site.

However, these games are being used by other webmasters as well, so your site won't be unique. Also, you are limited to the control you have over the games. You can't sell the rights of these games to anyone else, because you are not the creator.



Online Promoting arcade websites

Don t fool with a seizure

(NC)-You and a friend are enjoying an outing when - suddenly-your companion appears to lose consciousness, falls to the ground and starts to shake uncontrollably. The person is having a seizure. How can you help? St. John Ambulance, Canada's leader in first aid training and products, offers these tips. 1. Make the area safe for the casualty. Keep onlookers away. 2. Don't try to restrict the person's movements in the convulsion. Gently guide them to protect them from injury. 3. Carefully loosen any tight clothing, especially around the neck. 4. Never put anything in the mouth of the casualty, between the teeth or attempt to hold their tongue. 5. Never try to give the person food or drink. 6. After a seizure, assess the casualty for injuries. 7. Keep the casualty at rest for up to an hour, regularly monitoring pulse and breathing. 8. Seek medical attention if the casualty does not fully recover, or has a second major seizure within a few minutes. 9. If this is the first time the person has had a seizure, always get medical help. 10. Learn what to do in an emergency - take St. John Ambulance first aid training. Contact the office in your area or check us out online at sja. ca.



Online Don t fool with a seizure

Proviron mesterolone an estrogen antagonist

Proviron-Mesterolone is registered trademark of Scherling A/G Germany & Schering Mexicanna. Proviron-Mesterolone is an artificial, orally effective androgen that doesn’t have any anabolic properties. Proviron-Mesterolone is used in school medicine to alleviate or heal troubles caused due to the shortage of male sex hormones. For this reason, many jocks often use Proviron-Mesterolone at the end of a steroid treatment to augment the condensed testosterone production. Proviron-Mesterolone is marketed under different brand names and quantities including Mestoranum 25 mg tab.; Schering DK, S, NO; Pluriviron 25 mg drg.; Asche G; Proviron 10 mg tab.; Schering TK; Proviron 10 mg tab.; Leiras F1; Proviron 20 mg tab.; Leiras F1; Proviron 25 mg tab.; Schering G, A, B, CH, ES, FR, GB, GR, PL, NL, CZ; Proviron 50 mg tab.; Schering I; and Vistimon 25 mg tab.; Jenapharm G. Proviron-Mesterolone oral 25 mg pills are a useful androgenic steroid with anabolic properties made to be given to men in the early and medopausal lift stages. Proviron-Mesterolone is most unique in the world as it is a non-17 Alpha oral androgen alternate for males. Proviron-Mesterolone provides health, added sex drive, the feeling of well being, vigor and some qualities of youth. Proviron-Mesterolone may be taken over long time periods. In fact, it does not aromatize that’s why muscle-builders take Proviron-Mesterolone instead of Nolvadex, as Proviron-Mesterolone is an Estrogen antagonist. Proviron-Mesterolone is available in 37 countries throughout the world. Proviron-Mesterolone could medically aid 20 to 30 million males who go through male-menopause. Proviron-Mesterolone is taken during a steroid administration or after giving up the consumption of the steroids, to eradicate a possible impotency or a decreased sexual interest. In men, the side effects of Proviron-Mesterolone are low at a quantity of 2-3 pills a day. It is taken in conjunction with a steroid cycle, and can be used in a relative manner without any risk over several weeks. Since the liver can tolerate Proviron-Mesterolone and liver dysfunctions do not occur in the given amount. The most usual fallout of Proviron-Mesterolone is distinct sexual over-stimulation and in some cases continuous erection in penis. This condition can be aching and cause possible harms. A small quantity or quitting the compound is only the sensible solutions. Female jocks should make use of Proviron-Mesterolone with proper care since possible androgenic side effects cannot be excluded. Women should not take more than one 25 mg tablet a day. Higher doses and intake periods of more than four weeks considerably augment the risk of virilization symptoms. Proviron-Mesterolone is still adequately available. The brand name Proviron-Mesterolone costs about $35 in German containing fifty 25 mg tablets. Vistimon by Jenapharm costs $14 for each box and is packed in two push-through strips, and each strip contains 10 pills. Proviron by Asche contains 30 tabs and costs $20. The Spanish and Mexican Proviron-Mesterolone is less pricey than the German Proviron.



Online Proviron mesterolone an estrogen antagonist

The medical idiot s guide to zombies

The process of zombification has long been the source of many horror stories. Everything from George Romero's “Living Dead” movies to horror master H. P. Lovecraft's “Herbert West: Reanimator” have put their own twist on the “zombie” theme. However, most people do not realize that zombies are, in an odd way, quite real. In Haiti, it is illegal to turn someone into a zombie, which may seem like a ridiculous law. Haitians, however, are raised to understand not the pop culture concept of the zombie, but a creature far closer to the original Voodoo myths that inspired them. There is a particular formula used by Haitian witch doctors for the zombification process, which usually involves the use of very potent, highly concentrated doses of muscle relaxant. Muscle relaxants and potent anesthetics are the key components of any formula for making someone a zombie. In the context of Western medicine, a concoction is made with the use of a variety of herbs and toxins, most of which involve puffer fish poison or (in some territories) just the right amount of hemlock, to force the body into a very specific state of immobility. The body's vital signs drop and will appear dead on all standard means of checking, with the pulse only detectable by sensitive instruments. This process is achieved through a number of means, but the use of a powerful muscle relaxant and anesthetic tend to be necessary for this to work.

Without a muscle relaxant and an anesthetic, the body apparently fails to achieve the death-like state that forces family members to bury the loved one. Once this is done, the witch doctor simply has to be there at the right time to dig out the victim as his body recovers from the drug and claim him as a zombie servant. There are, of course, side effects associated with the muscle relaxant-based zombification formula. For one thing, the flow of blood from the heart to the brain (among other parts of the body) is severely reduced by this, with some of the more potent “potions” stopping the flow of blood in the body altogether for a short period of time. The time of this reduced flow is minimal, but when combined with the lack of oxygen due to being buried alive, there can be extensive damage done to the brain. According to modern science and research teams dispatched to Haiti to study the illegal practice, most “zombies” experience a number of debilitating problems once revived, such as poor hand-eye coordination and problems with cognitive processes. Muscular atrophy has also been noted as a problem early on, though most victims of the procedure recover in time. It is the mental functions and the impaired mental capacity that are the most prominent problems, aside from the very high risk of death. Death, like in pop culture zombies, is very much a key component of the Haitian zombie scene.

There is the fact that the person is made to appear dead by the witch doctor's foul brew, though a truly discerning medical examination can determine that he is not. The next one is the fact that, culturally, such people will be regarded by friends and family as dead and will avoid association with them. Being buried alive also carries great risk, especially if the witch doctor does not dig up the victim before he suffocates. Finally, there is the very real risk that the witch doctor's formula was flawed, with too much of the muscle relaxant or anesthetic, resulting in death.



Online The medical idiot s guide to zombies

Creating your connections

: Networking is as much an attitude and a way of thinking as it is a skill. It is something that many people do naturally while others can find it quite daunting; but it can be learnt. When you acquire the mindset and master the skill of networking you will boost your personal productivity. There are any number of different networking groups and events that you could choose to attend to help lift the profile of your home based business. To make the most effective use of your time and energy, it’s worth investing effort in identifying and sampling groups that look like they might suit your personal and business needs – here’s how: Choose the network. Decide what you’re looking for from a networking group and ask around. Find out what groups are available and ask for recommendations and opinions from people you respect. Contact the network. Phone the organiser of the group or event and ask questions such as these to help you decide whether this is a good place to invest your time.

  • What types of people attend this event?
  • What industries are represented at this event?
  • How long has it been established?
  • What three words best describe this group?
  • Is there an opportunity to promote my business?
  • Does this network have membership?
  • If so, how does it work? What does it cost?
  • Visit twice before deciding to join. Allow yourself at least two opportunities to evaluate the network and to decide whether it is worth your time and energy. Sometimes your first experience may not be pleasant, and you may feel nervous, so give it at least two tries.

    Commit to the events. When you do find a network you enjoy, schedule the time to attend and become one of the regulars. This is a great way to establish connections with people as well as to let others get to know you. Get involved. Volunteer to help – serving on a committee or helping with an event is a great way to get to know people: help on registration, collect business cards, offer to be the MC or help to arrange an event.



    Online Creating your connections

    Adjustable beds sleep pain free and get money back too

    Adjustable beds can be configured to alter their shape in order to alleviate pain attributed to certain medical conditions and ailments. They can be adjusted to maximize the most comfortable sleeping position, thus permitting the user to fall asleep much more quickly and have a longer period of pain free sleep. In case you did not know, adjustable beds may qualify for a medical deduction. Physicians prescribe the use of an adjustable bed for a number of physical ailments and conditions. Check with your physician or health care professional to ascertain if you may qualify for a deduction on the purchase of your new adjustable bed. Less pain, better sleep, and money back are an extremely attractive combination. Adjustable beds are generally prescribed for individuals who suffer from acid reflux, debilitating back pain, hiatal hernias, sleep apnea and many work related injuries. In the event that either you or your loved one happens to have a problem with snoring, you will be ecstatic to know that an adjustable bed can alleviate or eliminate the problem. If you or a loved one have had the misfortune of suffering a stroke, have multiple sclerosis, cerebral palsy or any other physical condition that restricts the ability to move unimpeded, an adjustable bed can improve ones mobility.

    Adjustable beds can be positioned to assist in sitting up, watching television, eating, drinking, reading, writing etc… etc. Acid reflux is a particularly annoying condition, particularly during sleep that allows stomach acid to back up into the esophageal area causing discomfort that ranges from mild to extreme, depending on the individual. An adjustable bed can alleviate acid reflux by allowing the individual to elevate their head. Sinus conditions are another physical condition that can made much more bearable by simply raising the head section of the bed. If you suffer from edema or swelling of the legs, an adjustable bed can be positioned to elevate the legs and facilitate the flow of blood by letting gravity assist in doing the work. Any sufferer of a circulatory condition or back pain can probably feel some comfort in the folds of an adjustable bed. Some models even have heat and vibrating features to soothe away minor or major aches and pains. I would have these features on all the time! The content provided in this article is strictly for information purposes only and is not intended or designed to provide medical advice. If you have a medical condition, I am sure everybody and his mother can give you free medical advice. If you have any medical questions that this article may have triggered, please consult your doctor or health care professional. If it is determined that you qualify for a tax deduction on the purchase of a new adjustable bed, your next step is to have a little chat with your accountant or tax expert. You will then be in a position to use the shopping resources available at http:// adjustable-bed-center. com to find the right adjustable bed at the right price. Then, hopefully, all you have to do is lie down and enjoy true comfort and all the healthy benefits of your new adjustable bed.



    Online Adjustable beds sleep pain free and get money back too

    New deck railings ideas

    Ideas For Deck Railing – Only Limitation Is imagination The article gives imaginative solutions for decking in your house and surroundings. The only limitation in the design is the imagination and the spending power of the owner. Your decking is a place for your social functions, BBQ parties, a place where you can enjoy nature, and an open space for you where you can be romantic. Depending on the space you have for decking, you can have flowing lines without any acute angles. The general ideas that you will have to remember in such cases are, Ensure that the space is as open as possible, and without the gaps. A large continuous space is more inviting than two separate spaces even though they total the same area in square feet. The deck should have a number of accesses points nearly every 20 to 25 feet. An open space with access at limited spaces feels like a congested place even if the area is large. The deck railing of modern houses have to be flowing and without sharp corners and acute angles. An acute angle is acts like a break in the flowing lines. Decking railing meting at an acute angle is just not acceptable unless space requirement demands it. Modern Materials Of Construction For Deck Railing Any material that has shine and luster, and requires minimum maintenance (like painting or polishing) is the material for modern decking. That leaves the wood in its raw form as the modern material for deck railing. The wood being prone to deterioration to forces of nature is not an ideal material for decking railing. Wood also is not a material that takes flowing form without requiring large human input. Stainless steel, Powder coated steel, anodizes aluminum, or steel coated with PVC fill this requirement perfectly. Depending the money at the disposal of owner, the choices can be exercised. Care For Handicapped – Install Special Railings While installing the deck railing, it is always necessary to care for the handicapped, irrespective of the extent of the handicap. This would mean that the approaches to all the platforms shall be gradual and the side deck railings should be such that the persons with special needs can come to the deck and exit the deck without help from others and they can do it safely. That means that the deck railing in the area of approach and exit should be designed for persons with special needs.



    Online New deck railings ideas

    Bathroom tile ideas for bathroom floor tile

    Bathroom tile ideas for bathroom floor tile can help you know what options to consider for your bathroom. Bathroom tile comes in a variety of shapes, sizes, patterns and textures and they are the basis for any bathroom design. Bathroom tile ideas can help you have the very best bathroom possible. Ceramic bathroom floor tile is often used because of its durability, resistance to dampness, its safety to walk on when wet and its ease of cleaning. If you select ceramic tiles for your bathroom, consider using a tile that has a slip-resistant surface for bathroom safety, which is one of the best bathroom tile ideas. If you buy and install unglazed tiles, they will need to be washed frequently because they absorb stains quite easily. Bathroom floor tile shapes can be squares, rectangles, hexagons and octagons while accent tiles can be narrow and small diamond-shaped pieces.

    Here are bathroom tile ideas for bathroom floor tile: 1 - If you use solid color ceramic bathroom floor tile in your bathroom, you can add tile borders of a different color to the tile floor, or you can create a border by alternating different colors. This kind of visual treatment can create a more interesting bathroom floor. 2 - When using the same color ceramic tile for the floors and walls, choose a different tile size for the walls or lay the wall tiles diagonally to create a more interesting visual effect. 3 - Another of the bathroom tile ideas is to choose a grout color that contrasts with the ceramic tile color. For example, if you are using white tiles, you could use blue, red or yellow grout for contrast. Be sure and apply sealers to grout lines in areas of heavy wear since sealers will protect and preserve grout colors. 4 - If your favorite color for a bathroom is pink, for example, add a few pink decorative tiles for the walls or use shapes, textures and borders to give it some visual interest. Select some rows of the walls where you can also use some of the pink tiles placed diagonally. 5 - To give your bathroom a contemporary style and look, consider using bright and bold colors with shapes or graphics against plain backgrounds. Contemporary style accessories and fixtures will further provide a modern-looking bathroom appearance. 6 - If you are trying to have a romantic or Victorian look in your bathroom, use floral tiles in soft colors like pink, light green or light blue plus handpainted ceramic sinks and perhaps a wooden floor. For a Mediterranean bathroom look, mix terra-cotta tiles with Mexican or other hand-painted tiles for the floors. For the countertop, perhaps mix the hand-painted tiles with another plain color tile. 7 - Bathroom tile ideas and tile color are important since color can greatly affect your mood, making you feel calm or energizing you. Warm colors like peach and yellow are fun, they make the bathroom feel cozier and they go well with a more country looking bathroom decor. If you use neutral colors like beiges and whites, they will make the room look larger, they will reflect light and they are always in style. Colors like blue, green and violet are viewed as serene or cool colors. Brighter colors like black or red add drama to the decor, absorb light and will make the room appear smaller. In rooms with plenty of windows and natural lighting, consider using darker tiles to offset the ambient lighting. You can also work in colors you want through the use of accent tiles and accessories. Have fun as you select the styles, colors, patterns and sizes of bathroom floor tile and related accessories for your bathroom. You'll want your bathroom to be a fun, cozy room to spend time in and the bathroom floor tile used can help create that kind of atmosphere. Use bathroom tile ideas to help you have that special bathroom that you can enjoy every day. Copyright 2006 InfoSearch Publishing



    Online Bathroom tile ideas for bathroom floor tile