40 how to analyze a financial statement

How to analyze a financial statement It's obvious financial statement have a lot of numbers in them and at first glance it can seem unwieldy to read and understand. One way to interpret a financial report is to compute ratios, which means, divide a particular number in the financial report by another. Financial statement ratios are also useful because they enable the reader to compare a business's current performance with its past performance or with another business's performance, regardless of whether sales revenue or net income was bigger or smaller for the other years or the other business. In order words, using ratios can cancel out difference in company sizes. There aren't many ratios in financial reports. Publicly owned businesses are required to report just one ratio (earnings per share, or EPS) and privately-owned businesses generally don't report any ratios. Generally accepted accounting principles (GAAP) don't require that any ratios be reported, except EPS for publicly owned companies. Ratios don't provide definitive answers, however. They're useful indicators, but aren't the only factor in gauging the profitability and effectiveness of a company. One ratio that's a useful indicator of a company's profitability is the gross margin ratio. This is the gross margin divided by the sales revenue. Businesses don't discose margin information in their external financial reports. This information is considered to be proprietary in nature and is kept confidential to shield it from competitors. The profit ratio is very important in analyzing the bottom-line of a company. It indicates how much net income was earned on each $100 of sales revenue. A profit ratio of 5 to 10 percent is common in most industries, although some highly price-competitive industries, such as retailers or grocery stores will show profit ratios of only 1 to 2 percent.



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The benefits of natural medicine

It is important to know what you're getting yourself into when you decide to purchase any form of medicine. Whether it is produced by a giant pharmaceutical manufacturer such as Merck or Pfizer, or obtained from your local Chinese herb shop, being in the know is what is best for you. In this day and age of the internet, lack of information is not an acceptable attitude. If you take any medicine too often or for the wrong ailment, you could be putting your health in jeopardy; however, there are some medicines that are considerably less risky. It is a well known fact that a person should visit their doctor on a bi-yearly basis if they are taking a number of prescription medicines. The reason for this is that the normal doctor, busy as they are, does not generally take the time to review each medication you arte taking at your timer of regular visit. Perhaps you are going in for treatment of the complaint of gout, for example, and your doctor treats you for this ailment at that time. But the doctor, usually distracted and in a hurry, does not review your current list of meds to determine that what he prescribes you for gout may interact with the medication that he has you on arthritis or rheumatism.

It is the patient's responsibility to discuss these concerns with the doctor at time of visit. Natural health medicine has been documented to have less or no side effects when compared to its chemical counterparts. That is because natural health medicine is generally made with products taken out of nature without being refined. They have generally been used for decades by different cultures, with little or no side effect.

The medicine is made out of natural ingredients that will work in conjunction with the body, whereas their refined counterparts might have an adverse affect. One must also consider too that the compounds and inert substances used to bind prescription drugs may cause an interaction in the system. At the very least, the body cannot process naturally these agents. These natural ingredients are normally plant and root extract, which have been used for centuries by countries such as China, which is known for its herbal medicines. That is why it is evidently clear that natural health medicine is good for the body, particularly when it comes to strengthening your immune system. When you use natural health medicine, you know that you are getting the best of both worlds. You are getting help from Mother Nature as well as man through the extraction and compilation of these products. And you get the benefit of a medication that has been tried and tested sometimes for centuries.

(Think Vioxx) The American culture has a bad habit of treating the symptoms, not the underlying cause. Hopefully, this will be addressed in the future, as more and more people become aware of what they are introducing into their bodies. Any attempt to improve your health should always include natural health medicines. If you have an illness, then the effects of natural health medicine will work faster, as it will provide your body with all the vital ingredients it needs to combat the illness without seriously damaging or impairing it in the process. You feel better faster and can resume your way of life without being held down by your illness.

That is indeed the best way to tackle and handle the winter cold and flu. In addition to all of the other benefits, natural health medicine will also boost your immune system, which will make you less prone to contracting any illnesses in the future. As always, one should carefully research any medication, and make every attempt to determine if there are side effects, adverse reactions to other drugs, or complications from allergic reaction. A search of the internet will reveal over 2,660,000 websites utilizing the keyword "natural herbal remedies." The information is out there...



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15 bathing

РПаЎ±б>юя %'юяяя$яяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяямҐБ` рїЬbjbjЛsЛs .©©Ьяяяяяя¤ЪЪЪЪЪЪЪоVVVVbоh¶zzzzzzzzзйййййй$h† |Ъ]zz]]ЪЪzz"ЈЈЈ]ЪzЪzзЈ]зЈЈЪЪЈznАЈR ЖVs Јз80hЈ}ЈЈЪ·0z"њЈґИ•zzzЌzzzh]]]]ооо$DооооооЪЪЪЪЪЪяяяя15 BathingBath time is a special time of bonding with a baby and her parents. It’s a time to play gently, talk and sing. Get everything you will need ready before you start! The list includes water (of course), washcloth, alcohol pads, bath towel (with hood if you have one), clean diaper, any items you routinely use during a diaper change (for little circumcised boys this would include Vaseline and gauze squares), and fresh clothes. Use a special baby wash and baby shampoo, preferably natural ones with calendula oils; regular soaps and shampoos can be too harsh or drying. Babies lose body heat very quickly, so make sure the room is warm -- 75 to 80 degrees Fahrenheit is ideal. Gently cradle your baby's head in one hand and use the other hand to remove her clothing. Gently wash her with a soft, warm washcloth, and dry her off with a towel. If you like, you can wash one area at a time and put a fresh item of clothing on as soon as an area is washed and dried. This is not necessary unless you are in a chilly room. It’s a good idea to start with the "less dirty" areas first, i. e. leave the diaper area until last, so you’re not washing the baby in dirty water. As you go, be sure to gently wash behind her ears; the crevices in her neck, elbows, and knees; and in between her fingers and toes. It's a good idea to wash a newborn's hair near the end of bath time. This will help prevent him or her from losing too much body heat. Most newborns don't have much hair, so it is easy to sponge it with water much the same way you do the rest of the body. Almost all babies dislike getting their eyes wet. If you tip the head back just a bit and work your way from the front to the back, you can avoid getting water in your baby's eyes. {ё а E І і OћЩЬьшьсьньсьсьсьсьhт©h{Hh{HhUWУh{Hі ґ ЪЫЬээшшшшшшшgd{H Ьэ,1ђh°Р/ °а=!°"°#ђ $ђ %°°Р°РђР†њ@@ся@NormalCJ_HaJmH sH tH DA@тяЎDDefault Paragraph FontRiуяіRTable Normalц4Ц l4Цaц(kфяБ(No List4U@ўс4{H Hyperlink >*phяЬяяяяіґ ЪЫЮ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂґЮљ@0ЂЂиЂ 0ЬЬ Ь яях[?tлЄц[?{ЈЮЮ8*Ђurn:schemas-microsoft-com:office:smarttagsЂCityЂ9*Ђurn:schemas-microsoft-com:office:smarttagsЂplaceЂ$Й ЮЮЫЮ Юљ3ѕMе{Hђ{т©UWУЧjЧ2yйя@ЂавБЬ@яяUnknownяяяяяяяяяяяяGђ‡z ЂяTimes New Roman5ђЂSymbol3&ђ‡z ЂяArial"с€рРh*+§f*+§fU‡U‡!р ґґЃЃr4dЦЦ2ѓQрHX)ря?дяяяяяяяяяяяяяяяяяяяяя{H2яя 15 BathingGABRIELLE ROSE BENNETT Tim Erwayюяа…џтщOh«‘+'іЩ0„ђ?¬ёШдр @LXdlt|д15 BathingGABRIELLE ROSE BENNETTNormalTim Erway2Microsoft Office Word@FГ#@ь¤пQ Ж@ь¤пQ ЖU‡юяХНХњ.“—+,щ®0hpњ¤¬ґјДМФЬуд$COMPASS ROSE CREATIVE DIRECTIONSЦЁ15 BathingTitle юяяяюяяяюяяя !"#юяяяэяяя&юяяяюяяяюяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяRoot Entryяяяяяяяя АFаDR Ж(Ђ1TableяяяяяяяяWordDocumentяяяяяяяя.SummaryInformation(яяяяDocumentSummaryInformation8яяяяяяяяяяяяCompObjяяяяяяяяяяяяqяяяяяяяяяяяяяяяяяяяяяяяяюяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяюя яяяя АFMicrosoft Office Word Document MSWordDocWord. Document.8ф9Іq



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Beautiful hairstyles with hair extensions and hair weaves

: Long, silky, healthy hair can radiate beauty, fitness and youth. A change of hairstyle is often enough to make you look more sophisticated, younger or simply different. Hair extensions Hair extensions are becoming an increasingly popular way of instantly getting that long beautiful hair some of us can only dream of! Growing your hair long takes 5-6 years at an average of 1 cm per month! Hair extensions can give you around 21 inches of thick hair in just a few hours! There are two main types of hair extensions. Hair extensions can be made out of synthetic fibers and are referred to as synthetic hair extensions or out of human hair and referred to as human hair extensions. Human hair extensions tend to be the preferred kind of hair extensions because they look and feel a lot more natural then the synthetic kind. Also, heat cannot be applied to most synthetic fibers causing some inconvenience if a person needs to use some hair appliances. The downside of human hair extensions is that are usually much more expensive then the synthetic ones!

Notwithstanding, there is no fixed price for human hair extensions because this differs according to the quality, style and length of extensions required. Hair extensions that are untreated and uncolored usually cost more because they are more durable! Hair Weaves A change of hairstyle is often enough to make you look more sophisticated, younger or simply different. Hair weaves are a good idea for those who fancy some braids, dreadlocks or simply a fuller head of hair and a different look! Hair weaves are another form of hair extensions and can also be made out of synthetic or natural hair. There are three types of hair weaves: (1)Bonded Hair Weave - This is the least durable kind of hair weave and only lasts 1 month until it would need to be replaced. This kind of hair weave gets glued to the scalp (2)Braided Hair Weave - This is a 2 step procedure. The natural hair is braided along the center of the scalp (under the hair) and then the hair weave gets sown into the braids.

This type of hair weave normally lasts around 2 months. (3)Fusion Hair Weave - This is the most lasting kind of hair weave, since it needs be changed every 3 months. This procedure involves waxing the hair weave to the natural hair. Both hair extensions and hair weaves require considerable maintenance. The hair need to be treated with gentle respect and cleaned and moisturized daily with a good conditioner.

Remember, that while natural hair gets the necessary oils and moisture from your scalp, hair extensions and hair weaves don’t! Also, depending on the style and procedure for your hair extensions/hair weaves, you might also have to visit the hairdresser every 6 weeks to fix your hair extensions due to your natural hair re growth. Whichever kind of hair extension you choose, always consult your hair specialist for advice, and pick the safest procedure. Finally, enjoy your beautiful hair!



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1 blogging let s get you started

Copyright 2006 Chonticha Marijne So what is blogging really all about? First off, let me tell you that it's a lucrative business to blog and that blogs are easy to set up and manage. Imagine getting paid to write about subjects that interest you, whenever you want, wherever you are! The flexibility involved allows you to maintain your blog at your own pace, and with Internet cafйs easily accessible all over the globe, even your vacation won't get in the way of your blogging... Or should I say: even your blogging won't get in the way of your vacation? In this article, let's take a look at the profitability of a blog and set up one of our own, free of charge! Interested? Read on! First, you need to get yourself a blog. There are several options – host a blog on your own domain or get a free one. For starters, let’s talk about the free blogs. You can obtain one at http:// blogger. com or the newer (and better!) http:// wordpress. com. WordPress is a free blog engine that is robust and infinitely expandable. Blogger is actually owned by Google, so it will be detected by Google’s radar faster and you will be indexed more quickly. WordPress. com, however, is a relatively new option so I have no comparison on the speed of getting indexed by search engines. However, WordPress is better in the sense that it has more advanced features such as Trackbacks and Categories. You can also manage your sidebar links more efficiently (more about this later). Get a free blog at either Blogger or WordPress. Then, familiarize yourself by publishing your first post on your blog and tinkering around with the options and templates. Here are some words to start expanding your blogging vocabulary: Permalink – Permalink stands for permanent link, which is a URL (Uniform Resource Locator) that leads to an individual post that you make in your blog. Trackback – When you post about someone else’s blog post elsewhere, your post will show up in their “trackback” section. This feature, however, is not available with a Blogger account. Pinging – Blogging seems to be paired with pinging almost every time either one is mentioned nowadays. Pinging is actually the action where a certain aggregator is notified whenever your blog is updated, so that the aggregator may show the newest post of your blog on their website. This is a useful way to gain traffic, which I'll discuss in a future article. Content Next, let's look at the type of content that's suitable for your blog in order to make it profitable. You need to understand that there is no fixed scope that your blog should have, which means you can write about whatever you’re interested in. Mind you, the difference between a profitable blog and a non-profitable one is the way you write. What would you prefer: reading your university professor’s lecture notes or the latest novel by your favorite author? People prefer to read "light" items most of the time. When they check out your blog, they are not only looking for information, but they are also looking for information that they can access easily. So, to attract more visitors as well as to keep your current readers coming back for more, it's very important to add a personal touch to your blog posts. This can be done by simply imagining that you’re talking with your personal friend. An extra bonus for your readers would be a great sense of humor, so try to add funny comments in your articles where relevant. Another important point is to avoid addressing your reader as a plural unit. Don't write as if you’re preparing a speech. Instead, write as if you’re having a conversation with a single person, an equal friend, because this will make your reader relate to you more easily. Besides that, it's also very useful to establish your own personality through your words. We're very curious creatures, so naturally your visitors would want to know as much about you as the information you’re offering them. Having a distinctive personality in your blog will make a world of difference between your blog about gadgets and all the other blogs about gadgets out there. This is a lot like creating your own brand name, where people immediately remember your blog’s name when they need information about gadgets, just like how people immediately think of McDonald’s for fastfood or Nike for sportswear. There will be more on the subject of content the next time. When word gets around about your command of blogging, others who need to know about blogging will start to actively seek you out!



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A plus c systems and affirmative insight inc announced an exclusive partnership

: Affirmative Insight Inc. provides information technology solutions in the areas of IT security, networking, service and support, e-business, web design, web hosting and software development. By partnering with A plus C Systems, Affirmative Insight, Inc. expands its offer with a comprehensive suite of software products – Uplook, Statlook and Anasil – tool kit for IT asset management and network monitoring. “We are excited about our partnership with A plus C Systems. It offers us additional capabilities and expertise which will only benefit our customers. Together, we provide our customers with a full range of effective solutions which enable them to optimize their IT resources.” said Baris Tuncertan, President of Affirmative Insight. A plus C will work closely with Affirmative Insight to provide pre-sales and post-sales support, customer service and technical assistance to business partners and clients throughout Canada. Companies that share the need for IT resource management and its optimization can now enjoy the numerous benefits of Uplook, Statlook and Anasil, including: PC audit, license management, hardware inventory, Internet connection monitoring, user tracking and network traffic monitoring. Milosz Cechnicki, CEO of A plus C Systems said "We are delighted to partner with a company with such an excellent reputation in providing defense related services and offerings.

This relationship is essential to our strategic growth in this region". About A plus C Systems A plus C Systems is an independent software vendor specializing in IT asset management and network monitoring solutions. Flagship products are: Statlook – a cost effective system for daily software and hardware inventory and user activity monitoring and Anasil – network monitoring and management system An internationally operating company A plus C is now creating its authorized partner system around the world. About Affirmative Insight Inc. Affirmative Insight Inc., an Information Technology solutions provider for small to medium size enterprises, helps to streamline their business operations. The mission statement of Affirmative Insight Inc. is: Helping companies to build secure, reliable and scalable Information Technology Solutions.



Online A plus c systems and affirmative insight inc announced an exclusive partnership

Self employment tax

Who must may self-employment tax? If you are self-employed, you will be responsible for self-employment tax. For the purpose of determining self-employment tax, you are self-employed if you are a sole proprietor, an independent contractor, a member of a partnership, or are otherwise in business for yourself. As a self-employed individual you will have a Schedule C to attach to your Form 1040, and self-employment tax is computed on Form 1040, Schedule SE. Individuals must pay self-employment tax is they have net earnings of $400 or more. They are several sources of net earnings that are used when figuring your self-employment tax liability. In most cases, net earnings include net profit from a farm or nonfarm business. If you operate more than one business, your net earnings from self-employment are the combined net earnings from all your businesses. If you have a loss in one business, it reduces the income from another. Self-employment tax is the self-employed individual's contribution to social security and Medicare taxes.

The only difference between the employee and the self-employed is the employee's social security and Medicare taxes are paid half by the employee and half by the employer. When an individual is self-employed, he/she is responsible for the entire amount. There are alternative methods that can be used for figuring liability of self-employment tax. The Farm Optional Method and the NonFarm Optional Method may qualify an individual to claim a larger Earned Income Credit or Child Tax Credit. They may also, however, increase your self-employment tax liability. The maximum amount of earnings subject to self-employment tax is currently $87,000.00 and when figuring your adjusted gross income on Form 1040, you may deduct up to one-half of your self-employment tax liability. If you are member of the ministry or clergy you may request an exemption from self-employment tax from the IRS. In summary, if you are self-employed, have net earnings of $400 or more, and file a tax return, you will be subject to self-employment tax. To learn more about individual liabilities, exemptions, and alternative tax methods, please visit the online site for IRS Forms and Publications at IRS. gov . Topic 554, Publication 517 and 533 will provide more detailed and situation specific information.



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Envelope stuffing scams

There are many work at home scams today, but one of the most common scam is envelope stuffing . You can go to any search engine and do a search on envelope stuffing work at home jobs , and see they all are ran the same way. Here's how it works: The most common scam offers to pay $3 or $4 per envelope you address or stuff. They ask that you send [to cover the cost of shipping and handling/registration fees] $30, and they promise to send you a list of companies that want to pay you to stuff envelopes for them. THE SCAM_ Most envelope stuffing con games are the same way: You pay your "registration fee" [usually $30,pure profit for the scam artist] . They will then send you a copy of the ad that you orginally responded to, along with the wording to a classified ad, telling people about how much money they can make stuffing envelopes, and to send a self-addressed-stamped-envelope for more information. When you receive [if you ever do] someone's S A S E, you send them a copy of the ad. There, you have stuffed your first envelope. THE COLD HARD TRUTH _joining an envelope stuffing program is a bad idea. Think of it this way: Why would anyone pay someone to stuff envelopes, when you can get an envelope stuffing for a few hundred dollars? They wouldn't So many people send off their hard earned money for the "registration fee" in hopes of earning hundreds of dollars a week stuffing envelopes, only to be another victim of this scam. So you can see, that joining an envelope stuffing program is a bad idea. Save the money you'd send in for the registration fee, and put it towards a legitimate home-based business, and you'll be happier and more successful. But, before joining any work at home based business, you should thoroughly check them out before spending money. Here is the link to check out any company that you would think about joining. Better Business Bureau http:// bbb. org/ If you are one of the ones that have fallen for this scam, there are steps you can take to put these scam artist out of business for good: Here is the first thing you should do, I think you should ask them to refund your money and if they refuse let them know that you will report them as SCAM at FTC. To file a complaint visit https://rn. ftc. gov/dod/wsolcq$.startup? Z_ORG_CODE=PU01 or to get free information on consumer issues, visit ftc. gov http:// ftc. gov http:// ftc. gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261 Here are some resources for getting help, or to stop scammers: United States Postal Inspection Service This site has information about envelope stuffing scams, as well as other home-based business scams. http:// elsop. com/wrc/complain. htm Better Business Bureau http:// bbb. org/ This site you can research a company before joining, or to file a complaint.



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Scientific jobs are not for scientists alone

: Scientific jobs usually involve some research. The jobholder would have specialized training and experience in a field, and the ability to draw on it to conduct field or laboratory research. For example, a clinical research assistant working for a clinical research organization can be required to go out into the field and record the findings of clinical trials for medical devices or medication. In such cases, in addition to knowledge in the field of science, the job holder will also have to be familiar with research methodology to ensure adherence to quality research practices, so that the research findings will be acceptable to practitioners in the relevant field. Furthermore, the jobholder might also be required to keep track of the costs of the research, which require some administrative experience. Scientific jobs could thus involve much more than doing theoretical research in a laboratory. Roles of Career Scientists We saw in the previous section that even when research is involved, scientific jobs could involve administrative and quality control roles.

Many scientific jobs might not involve research as such. Instead, it might involve applying the jobholder's knowledge to do practical work. For example, physicians apply their knowledge of healing science primarily to cure sick patients rather do research with medication. Another example is the clinical psychologist engaged in providing clinical and forensic psychology service to patients, and advice and consultation to non-psychologist colleagues in the medical profession. A forensic toxicology expert might be primarily involved in providing testimony in courts about the effect of alcohol on human body and driving skills, and explaining the significance of the results of a defendant's breath and blood tests. Such a function requires the application of professional knowledge and experience in the relevant scientific field. Environmental health practitioners might have to be community workers and change agents in addition to their roles of identifying and preventing environmental health problems. Possessing knowledge alone might not help them provide valuable services in their field.

They will have to work with an environmental health team to create awareness about environmental health issues among the community, and show how the locality can be made a better place to live and work. Scientific jobs can also involve working in areas other than the primary scientific field of the jobholder. For example, a healthcare specialist with Information Technology experience might be employed to develop clinical information models. They might have to do requirements studies to develop the kind of clinical information models that clinicians need. The requirements study in this case is more IT work than clinical work.

Another example is a specialist who works in the sales and marketing department helping the department explain product benefits and other technical aspects to prospective clients, or for creating product literature. Many specialists might be attracted by commercial work, and can use their specialist know-how, say in wound care, in marketing wound care products effectively. Then there is the science teacher who is engaged in developing the scientists of tomorrow. The teacher must be able to create an enthusiasm for the field among students in addition to teaching them science. Scientific jobs thus involve being more than just scientists.

In fact few scientific jobs require you to be a scientist these days.



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How to profit using ebay s saved search feature

Did you know that eBay will help you locate products you can buy cheap, then flip for a quick profit? No? Then listen up, because I am about to let you in on a little known feature of eBay that can literally stuff wads of cash in your wallet in less than 24 hours. This is an eBay tool that I use every day to locate products that I can buy and resell or buy cheap and keep for myself and my family. And the great news is you can use it, too. What is it? It's eBay's Saved Search feature and you can use it to start making money tomorrow. The Saved Search feature that will let you set up a saved search criteria and eBay will let you know when an auction that matches your search criteria has been posted. Let's say you're on the lookout for a Pete Rose card to complete your collection. You could troll eBay every day on your own and to see if anyone has listed such a card or you can set up a saved search and make your life a lot easier. Here's how it works.... Got to http://eBay. com and sign into your account. If you do not have an eBay account all you need to do is set up a free buyer's account. After you're logged in, type in your search criteria into a search window. For this example we will type in Pete Rose. Click submit and you will get a page of search results that match your search criteria. At the top right of the search results listing you will see a link labeled "Add To Favorites." Click the link. On the next page you will see "Create a new search" or "Replace an existing search." If this is a new search select the "Create a new search" button, give this search a name (the search term you used will be in the Search Name box by default, in this case "Pete Rose"). You can select to receive a daily email if there are new items listed that match your search criteria. Click "Save Search." Now you will receive an email every morning with new items that have been listed that match your saved search criteria. If the search term Pete Rose is too broad you will receive notifications for every auction that has the term "Pete Rose" in the title or description. You can always narrow the saved search by adding "Pete Rose Card" or something more specific. Just don't get too specific or you may miss items that you'd be interested in. How can you use the saved feature to make money on eBay? Easy, you set a saved search to let you know when something has been listed for sale that you might buy and sell for a higher profit. For example that Pete Rose card might have been listed by someone who is willing to sell it cheap or doesn't know its real value. You could buy the card, make them happy, then sell it for a higher price yourself. This is how commerce works, folks. You buy cheap, you sell high. Let's look at another example. Let's say you have an eBay shop that sells designer shoes. Naturally you would want to know when someone else lists designer shoes for sale because they may be a competitor you need to monitor or just an individual who has a closet full of designer shoes to sell cheap. You set up a saved search with the keyword "designer shoes." Each time an auction is posted with the term "designer shoes" in the title or description, eBay will let you know. You can immediately check out the auction and if the shoes can be scarfed up and sold for a higher profit, you made money. I think you would be amazed at how many Powersellers are using this secret TODAY to find merchandise they can buy and flip on eBay. You should do the same. If you'd like to learn about other ways you can profit with eBay click here.



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How to mitigate negative equity

яюHow to Mitigate Negative Equity Negative equity is the difference between balance and equity. In other words, if you are applying for an equity loan and the balance owed on the home is greater than the value of the home, then this is called negative equity. One of the loans you could take out to avoid negative equity is the 100% loan, provided that the home falls below the value worth. The loans that offer a portion of the current home value may be optional, since if the equity drops, you have lesser chance of paying more for the home, and the negative equity most likely won t have a lasting affect. The 100% loans are secured loans that often have increased interest rates. The lenders will often include the high rates in the event negative equity occurs to protect against loss. The lenders will often include an indemnity guarantee, which is an insurance. In the event that the equity drops below value, the lender will still receive his money. The indemnities are often steep over the course of the loan. Another area that the lender will consider is if the home is seated in an unusual area. It may become difficult to get an equity loan if the home is composed of aluminum, metal, concrete, lumber, or prefab. In the event your home is considered unusual and you do find a loan against equity, you most likely will pay high rates of interest and mortgage repayments. Finally, shopping around is important when considering equity loans. Even though certain variables will get you better terms than others; they may get you even better terms at one firm than at another. This is why you should shop around and compare all of the different rates and terms to find an equity loan that is tailored to your exact needs and at a reasonable price.



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Chicken compared to chicken meal

When selecting the best dry food for your dog, why is it better to go with the chicken meal than the pure chicken? Chicken meal is simply chicken that has been baked to remove bacteria and other toxins. Chicken is simply pure chicken. What people dont know about chicken, is that it is made mostly of water. If a label on a bag of dog food says %60 whole chicken, that is quite misleading as that does not take into account how much of that %60 of chicken is left after baking it to remove unwanted substances! When the label on the bag says %60 of chicken meal, your getting more of the chicken because the product has already been baked to remove unwanted affects such as bacteria. Explanation: Converting dry matter basis This can be the hard part. All pet foods have different levels of moisture. Canned foods can have up to 80% moisture whereas, some dry foods can have as little as 6%. This is important for 2 reasons. The first is that the food is priced by the pound, and when you buy dog food that is 80% water you get 20% food and the rest is water. So the amount of food your pet consumes is small and expensive. The other reason for understanding percent moisture is to help you compare crude protein and fat between brands and between canned and dry. The listings on the label are for the food as it is, not as it would be on a dry matter basis. So without converting both brands of food to a dry matter basis you will not be able to compare them accurately. Fortunately, the conversion is not that complicated. If a dry dog food has 10% moisture we know that it has 90% dry matter. So we look at the label and check the protein level that reads 20%. Next, we divide the 20 percent protein by the 90% dry matter and we get 22%, which is the amount of protein on a dry matter basis. Does this make sense so far? Good. Now let us compare this to canned food that has 80% moisture. We know that with 80% moisture we have 20% dry matter. The label shows 5% protein. So we take the 5% and divide it by 20% and we get 25% protein on a dry matter basis. So the canned food has more protein per pound on a dry matter basis after all the water is taken out. We can do the same for fat, fiber, etc. Good luck calculating.



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Walking for weight loss how many calories does it burn

People who walk daily have a lesser incidence of cancer, heart disease, stroke, diabetes and other killer diseases. Not only does walking make you healthier but it also burns calories, creates psychological well being, increases metabolism, strengthens muscles, increases flexibility, improves respiratory function and helps concentration and memory. This should give you plenty of reasons to try and walk a little each and every day. Besides that, simple physical inactivity is one of the leading causes of ill health. Walking not only benefits you but it also benefits the Earth. By learning to walk rather than driving a car you are doing your part to help the environment by not releasing toxins into the air, which hurts the long-term stability of the planet. A short four-mile trip you take walking keeps about fifteen pounds of pollutants out of the air we breathe. Walking also saves you money on gas and other expenses associated with your vehicle.

Every time you start your car it costs you about five cents considering current gas prices. Needless to say driving anywhere adds to this enormously. Yet, most people still use their vehicles to make short trips, which could easily be made by walking. If you can even make the simple choice to walk once a week when you would normally drive you will go a long way toward making a difference both in your pocket book as well as in your life. Walking is also a stress reducer. Stress has been proven to contribute more than any other factor to the reduction of longetivity. Walking can help reduce that stress and increase your longetivity. One of the primary reasons people decide to walk is to lose pounds. There are some simple formulas you can use to determine how many calories are being burned according to your weight and how fast you are walking.

3.0 miles/hour (20-minute mile): Burns .027 calories/pound/minute. 3.5 miles/hour (17 minute mile): Burns .033 calories/pound/minute. 4.0 miles/hour (15 minute mile): Burns .042 calories/pound/minute. 4.5 miles/hour (13 minute mile): Burns .047 calories/pound/minute. Take the number of calories/pound/minute you burn and multiply it by your weight and then by the number of minutes you walk. For example, if you weigh 150 pounds and walk a 20-minute mile for 60 minutes, you multiply 150 by .027, then multiple the result (4.5) by 60. You burn 270 calories. It is important that when you do walk that you walk at a moderate pace. Walking will do you no good if it is so leisurely that you exert no effort. A good walk should leave you moderately perspired. This ensures that you are working at an ideal intensity. Walking is a habit like anything else. If you can create a habit of walking everyday it will contribute to a new and healthy you in the long term.



Online Walking for weight loss how many calories does it burn

The frustration of having a stutter

Are you one of the many people who suffer with the speech impediment known as stuttering or stammering? Does your stutter/stammer cause you to become very frustrated at times? Have you attended speech therapy in the past in the hope that it would help improve your speech? I am a person who has overcome a stutter and I now help other people to achieve fluency. In this article, I write about the frustrations and emotions that people who stutter have to deal with. When I had a stutter, it created many different forms of emotions within me. I was actually ashamed of having this speech impediment and did not want to discuss the problem with anybody.

My family, especially my parents, even to this day are unaware of most of the difficulties that stuttering caused me, during my time at school and in my late teens. Even when I had a really bad day at school, I would not talk about what had happened with my parents. I would instead just go to my bedroom and attempt to forget it. I also felt quite sorry for myself. I always believed that I was a decent person and did not think that I deserved to have this horrible stutter. There were many people in my class who in my opinion deserved to have the stutter much more than I did, however in truth I would not wish a stutter on anybody. Having a stutter made me feel less of a person than that of what I considered to be normal people. I was not able to socialise with the ease as what everybody else seemed to, and had many traumatic experiences in the classroom when attempting to read out of a book for example. Even though I had a stuttering problem, I could at times talk quite well. I could not understand why I was able to talk to person A but not person B. This caused me many frustrations. When I was about sixteen, I started to drink alcohol. This had a major impact on my speech as I could talk perfectly well when I was drunk. This proved to me that there must be a chance of me being able to overcome the stutter. Speech therapists and negative national associations, have for years attempted to convince me to accept my stutter and have told me that there is no cure for stuttering. How can this be right, if I was permanently drunk, I would be fluent, there is a cure in itself. Of course it is not right or healthy to be permanently drunk but I am sure you know what I mean. I found certain tasks very hard to accomplish when I had the stutter. Making and answering telephone calls was especially hard for me. I look back now and can not believe that I coped with working in an office environment for six years, at a time when I had the stutter. I remember travelling to work feeling sick in my stomach through the stress and fear. Ordering drinks and food at the bar, introducing people to each other, attending meetings and job interviews were other aspects of my life which were made all that more harder by my inability to talk fluently. My advice to people who have a stuttering problem is to not give up, believe in yourself and your own ability to one day achieve fluency. Do not listen to negative people who try to convince you that there is no cure for stuttering. Most of the people who say this to you will have never had a stutter and will have no idea how our brains work.



Online The frustration of having a stutter

Whither low carb

Fads fade for a reason. Like pet rocks, low-carb diets will disappear because they just don’t do anything worthwhile. The dropout rate is high – about 50 percent – because the diets are boring and are unpalatable to most people. More than 90 percent of dieters return to their previous weight within 5 years, most of them even sooner. Minor side effects such as headache, fuzzy thinking, irritability, halitosis and constipation are almost universal among Atkins adherents. Severe side effects are, fortunately, rare. Physicians are concerned that long-term adherence to a high-fat, high-protein, low-carbohydrate diet may lead to kidney stones, osteoporosis and heart abnormalities. Kidney stones and disturbances of heart rhythm are well-documented complications of the decades-old ketogenic diet (high fat, low protein, low carbohydrate) that pediatricians have used to lower the seizure frequency in children with neurological disorders. A reputable journal reported in May 2004 that low-carb diets helped people lose weight without causing adverse effects on cholesterol levels.

There was joy among food manufacturers, who had already rushed to market low-carb products that covered the spectrum from beer to bonbons. Lost in all this was the cool scientific observation that overweight persons experienced only a moderate weight loss, and that severely overweight individuals lost, on average, only one pound per month during the study year. The cholesterol profiles did, indeed favor the low-carb dieters, but those levels remained high – because that’s where they started out. Finally, few journalists revealed that the Atkins Foundation funded one of these studies Those who can successfully navigate the inconvenience and side effects of the low-carb diet and then maintain a significant loss of fat will gain much benefit. The early weight loss, however, is mostly water. Much of the later weight loss consists of lean body mass, mostly muscle. Long-term success depends not only on careful attention to diet, but also to regular exercise. Those who do not incorporate an exercise routine into their life are destined to gain all the weight back, and then some. In what direction is the low-carb phenomenon going? First, proponents are already backing away from saturated fat. The South Beach diet recognizes that polyunsaturated (from fish) and monounsaturated (from olive oil) fats are not only acceptable, they are essential to good health. Second, the distinction between refined carbohydrates (white flour, sugar) and whole grains is one that needs to be widely disseminated. Third, the low-fat establishment cannot – and must not – ignore the overwhelming benefits of fruits and vegetables in the prevention of cancer and heart disease. The low-carb craze has probably reached its peak, but remnants will persist for a generation or more, and permutations of it will rise episodically like phoenixes among those who are looking for effortless weight loss. Like the phoenix, that is a myth.



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Dieters what gift will you give yourself

What kind of December will you give yourself this year? You choose! You can drop all pretense of trying to lose weight and let yourself go for the whole month, making the most of every opportunity to wolf down more calories. Or you can carry on eating when you're hungry, stopping when you're full, making the best of the food choices available to you - even at parties. And you can eat extra healthily on the days when there's really nothing special happening. You can give up exercise for the month and slump down on the sofa every night watching your waistline expand. Or you can keep active (even if you don't have time for your usual routine) by putting lots of energy into your preparations, keeping moving as you go about your day and fitting in 10 minutes of exercise (a walk, a stair climb, a few stretches) here and there. You can get completely frazzled leaving everything until the last minute and set yourself up for a huge amount of stress and comfort eating. Or you can spend just a few minutes each day on preparations and cut out last minute panics. You can make yourself sad and depressed by comparing your family party with the ones portrayed in the media or you can just decide to enjoy it, knowing that the media parties are the figment of the producer's and the designer's imagination (and the pictures were shot in August in a studio).

You can spend all your energy and time finding great gifts for everyone else and set yourself up for disappointment by just hoping something nice comes your way. Or you can make sure that you have something you really want this year, by dropping hints, asking directly (some people would love to know - it takes the pressure off!) or even just buying whatever it is you want and wrapping up the perfect gift just for yourself. So you choose what kind of December to have. You can come out of it frazzled, overweight and disappointed or happy that you've enjoyed the break and haven't done too much damage to your waistline. Which will it be this year? Choose wisely, give yourself the gift of a great December and have a fantastic time.



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Grunting the dreaded free weight room

I am new to the world of the gym. Having resolved to make my health and fitness a priority, spending time at the gym is becoming a staple in my weekly routine. While I find that I am getting well acquainted with different exercises and exercise machines, there is one area of the gym that I fear to tread. Behind a partial wall, tucked to the rear of the building, away from the cardio machines, spinning rooms and yoga mats, is the free weight room. When I work the weight machines I am a stones throw from the free weight room, not close enough to really see what goes on in there, but definitely close enough to hear what goes on in there. They say if you sit long enough in one place, the whole world will pass you by. This may be true, but if you sit long enough near the free weight room, you see a whole other world of gym patron pass you by. Into this mysterious room disappear giant men, their poor t-shirts barely able to contain their burly mass, arms propped out by massive lats; Amazon women with bodies of iron and physique most men would sell their mothers for. They disappear behind the wall and for a good while they vanish. All that remains is their grunting. From the free weight room issues forth a chorus of hissing and grunting that would put any tennis player to shame. Now being a novice in the gym, I can only assume the grunting issues forth under the Herculean effort needed to heft such tremendous weights. On my side of the wall, the weight machine side, we are a quiet lot. The only break in the peace is the occasional clang of a poorly executed rep. In fact, on my side of the gym we are so quite, that no one even notices when we come and go. We are like gym ninjas – stealthy and quite.

I would like to think that we choose to leave the grunting to the giants on the other side of the wall. Of course, really this is totally untrue. I choose to leave the grunting to the giants on the other side of the wall because I am totally ignorant of free weights. Talking to a friend of mine who swears that while he loves to use free weights, not all of his kind, are grunters.

He does however, insist that free weights are an excellent way to expand your work out. If done correctly, free weights allow you to work a wide range of muscles through a full range of motion, unhampered by any physical limitation often present in a machine. Further, lifting free weights forces your body to develop its stabilizers. These muscles help with balance and support. Another key component of free weights is that there is no size restrictions. That is, you have to be able to ‘fit' a weight machine. If not, you cannot use it. Free weights are, according to my friend, an essential aspect of any weight training regime. I still sit near the free weight room to see the goings and comings of the gym giants, but I have made an appointment with a personal trainer to get introduced to the world of free weights. According to my trainer, good form while using free weights is vital for safety. Injury is possible if not used correctly.

I look forward to my first foray into the unknown. I am excited to see what lies behind the wall. My trainer assures me that somewhere behind the wall, there are normal people like myself all taking advantage of free weights. More importantly, grunting is not a prerequisite.

Apparently, there are free weight ninjas too.



Online Grunting the dreaded free weight room

Home office furniture choosing the right computer desk

Your home office should be planned carefully, as the right equipment and office furniture will not only save you time and effort, but money, too. Old or inconvenient office furniture results in a messy workspace, loss of productivity and can eventually lead to back or wrist pain. When you depend on yourself for your income, any time you are not working to your full productivity, you are losing money. That is why most business owners need to pay special attention to their computer furniture, choosing the one that provides top performance. According to a new review, nearly 75 percent of home business owners do not have a designated home office equipped with the right office furniture. With new space efficient computer desks, any room in an apartment or house can be transformed into a convenient home office. Office furniture that you will need first consists of a computer desk, storage or shelving and a computer chair. The computer desk is the keystone of your home office, and if it isn’t working for you, it is in your best interest to replace it with one that does. With the right computer desk, you should have plenty of flat work surfaces providing enough room to use your computer and keyboard comfortably.

At your computer desk, you will have to arrange separate areas for using the computer and completing other projects including administrative jobs or paperwork. The style of computer desk depends on the type of work you do. If you have to work with papers, you will need more flat work space. To add extra flat surfaces consider a computer desk with an additional wing or curve. A corner computer desk suits small home offices and can be easily accommodated in a den or even in a living or a dining room.

If you often use books, binders or thick heavy manuals, you may choose a computer desk with shelving or a closed overhead cabinet space on top for an easy access to printed materials without losing any of the valuable flat surfaces. Choosing the best room to situate a home office also depends on your type of home business. If your activities require daytime phone calls operating in the same time zone you can easily operate from the living or a dining room which tend to be quiet and empty during the day in most households. If your business needs more space for storage and additional working surfaces for mailing or labeling, you will be more comfortable in the den or basement. If you are working part-time in the evenings, a computer desk can be easily placed in the bedroom where you can work quietly while other family members occupy the living room watching TV or listening to music. Finding the right place for your computer desk and a small home office does not have to ruin your budget or the style of your home. In fact, having a home office can be of great help to all family members bringing technology to any household.



Online Home office furniture choosing the right computer desk

A common problem with a home cinema

A Common Problem with a Home Cinema The home cinema will certainly keep you home more often. You can forget about those long ticket lines and sitting in a large crowd. However, there are some common problems that can be run into when you have a home cinema. Here is just one of them: Sound quality - If you are experiencing poor sound quality, does this necessarily mean that the merchandise you bought has a defect? No, not all of the time. The first thing you should do is check the speakers’ wiring to make sure they are properly connected at both ends. If that proves that nothing is wrong, then you may have a problem with the speaker or the amplifier. The best way to determine the problem is to hook up the speakers to the stereo. If the sound comes out great, then you have a problem with the amplifier. If there is very little improvement, your problem is with the speakers. Another reason that you may be having a sound problem is that the system is not compatible with the television that you have. This should have been checked out before you bought the system, but since the problem is there, you should have a professional take a look. It just may be that your speakers are grounded. You cannot miss this problem because there is a hum coming out of your home cinema system. There are several reasons this can happen: ground loops, bad cables, improper grounding and faulty equipment that is caused by an electronic motor or a dimmer. Poor wiring or speakers, grounding or even incompatibility are just a few of the problems you may run into which can affect the sound of the home cinema system. The minute you notice any problems, do not panic, but instead try to isolate the problem.



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Genealogy trace your family s history

Did you ever consider that your great-great-grandfather may have fought in the civil war? Perhaps your great-great-great grandfather made his way here from the "old country" on a great old sailing ship with just a few pence in his pocket. What of your grandmother? Perhaps she was the local librarian in her town. Once they start a genealogy search most people find tracing their family history fascinating. What may start with the simple desire to know a few names and dates turns into nothing short of a fascinating archaeological "dig" of sorts. There are many ways to get tidbits on your family history. Perhaps you're lucky like me and your family never threw any scrap of paper away. You may have a handwritten birth certificate, as I do, for my great-great-grandfather who was born in England in the 1800's. Birth, death and marriage records are generally easy to find, especially if the family members you are searching about were born here in this country. Maybe you have letters sent back and forth that have information about your ancestors in them. I have a bible that belonged to my great-great-grandmother that has in the back pages where she recorded family births, deaths and marriages.

My father was interested in our family history and had quite a collection of information about our ancestors. When my sister took over the work on the family tree that my father had started one thing she did was to contact the local historical society in the town where we knew my great-grandparents lived. They were able to give some family history as my great-grandfather was a rather prominent citizen. From there she contacted the cemetery where family members were buried and was able to get birth dates and dates of death. When she made a visit to another town where some of our ancestors lived she took a camera to the cemetery and took pictures of the tomb stones. The internet is a great starting point for your genealogy search. You can visit a website where you can check the passenger arrival records from Ellis Island. AOL has a site where you can type in name, birth and death info on your ancestors to see if there is any information online.

Some sites offer genealogy information by country. There are some sights that offer the ability to see information that others have already searched out. Some of these are paid membership sites. You may even find out that you have an unknown family member out there doing the same search on your family members.



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