Can you afford to publish your book

Money blinds. It's as simple as that. Aspiring authors ask about the money issue all the time, in varying forms, (How much does it cost to publish? How much will I get paid in royalties?, etc.) but they can't see beyond that issue to think about the thing that will truly decide the money question. And here it is: What Do You Want From Your Book? That is the real question! Once you are clear about what you want out of the publishing process, you can decide what route would be the most satisfying--and profitable--for you. When it comes right down it it, you can spend as much or as little as you want on your book. But how much are you willing to spend to get what you want? When you aren't clear, you can make poor decisions that won't line up with your goals. For instance, many authors have a goal of making a lot of money, but they won't consider self publishing. The fact is that unless you can immediately sell on the level of an Oprah's Book Club selection or a James Patterson or a Dan Brown, it's going to take a very long time before your royalties add up to much. When you self publish you take on risk, but you stand to gain much more because you get to keep all the profits (unless your agreement with the publishing company you use is a royalties-based one). Another strong reason to self publish: you can use your first book to build your platform for a bigger deal with a traditional publishing house in the future. Again, you can choose the self publishing deal that's right for you. A print on demand company such as Xlibris charges just $500 for a basic package where you can get your book produced and copies made as they are ordered--so no inventory. Of course, when you pay more, you get more: better design, distribution services, maybe even some marketing help. The Traditional Road If your dreams of authorship include larger audiences and the literary status that comes of being published by one of the many arms of Random House, Warner or Simon & Schuster, that's fine--just know that this route isn't exactly free either. No, you don't have to pay a traditional publishing house and yes, they do everything for you (design, distribution, some advertising and marketing), but these days a writer is expected to spend a little too on promoting the book. Many writers are even putting the amount they've set aside in their book proposals. If you're serious about marketing your book, you'll need to set aside at least $10,000. That amount can go as high as $30,000 depending on the amount of travel and other advertising you intend to use. Smart Money, Dumb Money Once you understand what you want out of your book, you'll not only know how much you're willing to spend, you'll also know better how to spend it. You can spend it smart or you can spend it dumb. Many writers spend it dumbly because they don't know what they want. If you're spending money on educating yourself about publishing, improving your writing skills, hiring a good editor or book consultant, and marketing that will help you reach your specific, targeted reader, that's all smart money. You will get more out of those dollars than if you had never spent it at all. You are investing in your writing career. But if you spend money because someone told you this is "the only way you'll ever get this book published" (and you haven't researched any other ways), or buy advertising simply because it's where other books are advertised, or go to writer's conferences with no clear plan of what you want out of them, or pay agents "reader fees", or pay editors whose work you don't know or whose references you haven't checked, that's dumb money. You'll put those dollars out there and see little or no return. So I guess the bad news is publishing isn't free. The good news is you have a choice as to how much you spend and where you spend it. Be an educated consumer as well as an educated--and talented--writer. You'll find that to have a book published in the way you want it published is still in the end--priceless. © 2005 Sophfronia Scott



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Do you qualify for factoring

I have created this article to give you straight forward content hoping to provide information into some of the things that factors are looking for when qualifying a prospect before entering into a financial relationship with them. Lets face it, your time is very valuable and you do not need to waste it filling out applications or talking on the phone when you may be able to identify issues in this article that would prohibit you from being able to enter into a factoring relationship. I also created this article because we want your business; however we want to earn it. So if you find out that this information is helpful in your process of seeking out a financial solution for your company, we would love the chance to set you up with one of our highly recommended factoring companies. Even if you find out you do not qualify for factoring right now, you may be able to clear up the issues and qualify at a later time. We would love to be your choice then as well to help resolve your working capital issues. Some of this information will be basic and you may already be familiar with it, however some may not. Just read through the article and I am sure you will find some helpful information. We want to thank you up front for giving us a chance to serve your company. Lets get started. Lets take a look at what factoring is: Factoring is a form of financing where a business sells its creditworthy commercial accounts receivable to a financier known as a factor. This is a good starting point; you need to be invoicing creditworthy businesses for your product or service. Your product must be delivered and your services rendered (no pre-bills). If they are not creditworthy and you are already having collection problems, a factoring company will not be interested in purchasing those receivables. You may need a collections service. How much do you invoice each month: If you are invoicing under $10,000 a month this will limit the number of factoring companies that will enter into a relationship with you. If you are speaking with a factor, let them know up front what your monthly volume is and find out if they are willing to work with companies of your size. This could save you from filling out an application and wasting your time with that particular factor. How many customers do you invoice: Factoring companies prefer to fund companies with more than one customer; this helps them lower their risk. If you have just one customer, the factoring will have a concentration issue, meaning if something happens to your customer they do not have any other receivables from other customers to recoup their money. Let the factoring company know this up front as well. Some factors will not work with you if you only have one customer. (If your one customer is large and stable this will help). Do you have any financing currently in place: If you have an existing loan or line of credit you need to find out up front if the bank has a UCC-1 against your receivables. The factoring company must have 1st position on your receivables to be able to enter into a financing relationship with your company. I would suggest if you have a current loan or line of credit to double check and make sure of this. I have had many businesses tell me that the bank did not have their receivables as collateral and then proceed through the application process and return the contract. The factoring company would begin due diligence and the lien search would return a current UCC-1 on the receivables. Many times the customer does not realize the bank placed a blanket lien on their company covering all assets, including the accounts receivable. If this is the case, you still may qualify for factoring. If your loan or line of credit is small enough, the factor may be able to pay off your loan or line of credit out of your 1st advance and the bank has no choice but to subordinate (release) the receivables. If not, they may have enough collateral that they will allow the factoring company to have 1st position on the receivables and allow you to get the needed capital for your company. So if you have current financing, check on this issue. You may find out the bank will step up to the plate and allow you access to more funds when they realize you are about to leave. This has happened many times. Also be aware that our factoring companies can help negotiate a subordination, so discuss this with us if you need more clarification on this topic. Your aging report: Your aging report is very important to a factoring company; this is the pulse on your cash flow. An accurate detailed accounts receivable aging report should be aged from invoice date and not due date. Some companies accounting software is set up to age the receivables from due date, this will reflect an inaccurate report to the factoring company. If you have an unhealthy aging report you will have a hard time qualifying for factoring. Plus the fees you pay to a factor increase as the days outstanding increase. Make sure you have a cash flow issue and not a collections issue. Remember, creditworthy customers are the key. Outstanding taxes, liens, judgments, litigations, felony convictions or bankruptcy: If you have any of these issues, it does not mean you cant qualify for factoring, you just need to be forthcoming at the beginning and find out if the issues are too complex for the factoring company to work through. This may save you some time. Are you incorporated: Some factors will not work with Sole Proprietors, others will, we have some that do. Find out at the beginning of the conversation. Financial Statements: Some factors will require financial statements and others will not. Providing financial is usually where you will find the most aggressive rates available. If you do not want to deal with providing financial statements, ask up front if they are required. We have programs available that requires no financials. Personal Credit Even though your customers are the primary focus, your personal credit is taken into consideration. If your personal credit has taken some severe hits recently, discuss this up front with the factor to find out how much it will be taken into consideration. This covers some of the basic, I hope it helps! Thanks for reading.



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Job do s and don t of asking for a raise

Feeling overworked and underpaid? If you’re starting to feel like you deserve a raise, here are eight DO’s and DON’Ts to build your confidence and tact (and what to avoid!) in asking for the salary you feel you deserve. DO 1. Devise a “Plan of Action”. First and foremost, get a strategy together. Make a note of the specific projects you’ve undertaken and the results you’ve accomplished. List all of your job skills and the features that make you an asset to this company. Find out what a typical raise is for someone with your experience in your area of occupation. Know the facts and be realistic in your request. 2. Ask for an amount that’s slightly higher than one you would be happy with. If you would be happy with a 5% raise, ask for one a couple of points above it. That way, if your boss starts to negotiate, you won’t feel as if your worth has been diluted any by getting less than what you feel you deserve. 3. Remember, your boss shouldn’t be the only one negotiating. If your company is going through a slow period or the economy is down, try to be flexible and know how to respond if your boss suggests a lower amount than what you may have been expecting. Consider other ways of getting a raise too, such as additional vacation time, employee perks or more time off. All of these can be just as good (if not better!) than an actual amount of money. 4. Choose a specific day and time to meet with your supervisor about your raise request. Avoid choosing a Monday or Friday when bosses are at their busiest. Studies have actually shown that people are more receptive on a Tuesday or Wednesday after lunch. That way, they’re not thinking about the weekend or their stomachs while you’re getting up the nerve to ask about a raise! If you’re afraid of being interrupted during your request, ask to speak to your supervisor for a few minutes after hours. DON’T 1. Raise your tone of voice if your boss objects to your raise at first. Remember, he or she is paying you to do a certain job, and you’re asking for more money to do the same job. Be professional and polite at all times, and listen more than demand. Chances are, if your supervisor doesn’t award you a raise, they might hint at what else could be done to earn it. If they don’t, don’t be afraid to ask what steps would be necessary to “prove yourself”. 2. Threaten with quitting if you don’t get the raise or telling your boss you have another job offer unless you actually do. He may just call your bluff and let you go! 3. Stumble or beat around the bush with your request. Be straightforward and confident. You are a valuable member of a team and the supervisor hired you because they obviously thought you were the best qualified. If you have “Thank You” notes from customers or letters from the company praising you for a job well done, bring those to your meeting as well, as they’ll help to cement your request and remind your supervisor of your role within the company and its progress. 4. Compare yourself to, or talk negatively about your coworkers or others in a position higher than you. You may think that this will put you in a positive light when it comes to a promotion or a raise, but to your boss, it shows that if you have a poor attitude toward your colleagues, you’ll keep the same poor attitude if you are promoted. Remember, be confident, professional and tactful. If the boss says “no” or wants to “think about it”, open his mind to further consideration by volunteering to do more at the office. Stay an extra hour or help another team on a critical project. This demonstrates that you’re willing to “tow the mark” rather than giving your boss the impression of “gimme the money first and THEN I’ll work”. Good luck!



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Five strategies to strengthen your company s financial management

Too many businesses wait until a crisis occurs before they start to focus on improving their financial management. Often, by that time, it can be too late. By setting aside an hour now to evaluate the strengths and weaknesses of your company’s financial management activities and systems you can save a lot of time and aggravation. It can also help increase your profits, and at the end of the day that is what it is all about. The following are five strategies that will help you start to build a strong financial foundation and build value in your company. 1. Set up a financial control system The first thing you need to start with is a control system so that there is consistency in your process and procedures. A control system is designed to prevent and detect errors in your daily activities. For example, is there is a standard way of processing your receivables, payables and inventory? If there are no standard guidelines to follow, there is probably no control system. 2. Have daily access to your account information Make sure that you can access your account information every day; it is invaluable to managing your cash effectively. With most banks providing internet access at a reasonable cost, there is no reason not to have instant access to account information. 3. Manage your cash components Concentrate on managing your three main cash components: accounts receivable, accounts payable and inventory. Let’s take a look at each component: Accounts Receivable Make sure your credit and collection system is working efficiently. Any excess investment in accounts receivable increases the need to borrow more money to avoid a cash flow deficit. That means that if you are carrying excess receivables you are probably carrying excess debt and you have a direct cost of having to carry that extra debt in interest payments. Even if you finance the receivables through internal equity, there is still an indirect cost; the opportunity cost of using that equity elsewhere which could include expanding your inventory to increase sales, reducing debt or earning interest on cash balances. Your accounts receivable collection period defines the relationship with the cash flow process. Every month you should be calculating your collection period and comparing with previous periods and relating those results to industry averages. Any material differences should be investigated. Your credit policy can influence your cash flow and earnings. Longer credit terms can increase sales and earnings, but any decision to offer more liberal terms requires an estimate of the trade-off between the cost of the larger investment in accounts receivable and the bottom-line benefits of a higher sales volume. Remember that increasing your credit terms will bring in less credit worthy customers which can increase your bad debt expense. You can, however, use price increases to offset more liberal credit terms. When you develop a receivable policy, consider the following: Check the financial health of customers before offering them credit. Consider obtaining cash on the first order. Do not make your invoice terms too generous. Charge interest to customers who pay late. Give discounts for early payment. If you are offering discounts, the terms should be attractive enough to encourage customers to take the discount. This can also serve as an early warning signal; if a customer doesn’t take the discount, or all of a sudden stops taking the discount, then you may want to investigate further before extending credit as it could be a sign of financial trouble. Do not wait longer than 30 days for a late payment before you take action; you need to minimize your company’s exposure to bad credit. Put it into dollar terms, if you have a $1,000 bad debt write-off and a 10% profit margin, you need to generate an addition $10,000 in sales just to make it back. Inventory First, keep in mind that because of carrying costs such as warehousing and insurance it is more expensive to carry inventory than to carry accounts receivable. That is, reducing an investment in inventory provides you a larger bottom-line benefit than a comparable reduction in accounts receivable because you are also reducing the carrying costs. As with your receivables, it is important to complete a monthly analysis of average inventory held in days. Compare to previous months and industry averages and investigate any material difference or change. A periodic inventory count is a fundamental requirement; any items that are overstocked should be investigated. A sales forecast is vital, without it you lack the necessary management information for inventory control. Your target inventory investment should equal your normal investment for core sales plus a built in safety stock (for example if a re-order is delayed you want some extra stock on hand) plus some amount for any anticipated growth in sales. You can use the following equation to determine your economic ordering quantity: SQRT (2SO/CP) where SQRT = square root S = anticipated annual unit sales O = fixed costs per order C = annual inventory carrying cost, as a % of a products purchase price P = unit purchase price for product Note that the above equation attempts to minimize inventory cost by answering the question of how much and how often you should order inventory. It is not perfect; the equation does not take into account volume discounts and assumes that your demand is constant. However it is a tool that can be used to help in your decision making process. The following are 10 questions you can use to review you inventory process: Do you have a sales forecast? Do you compare forecast to actual sales and adjust the next forecast accordingly? Do you know which items account for 80% of your sales? These items should be managed closely. How fast can you get inventory? How do you order inventory? How much inventory do you order? Do you order extra just to save a few extra cents? Do you know the cost of holding your inventory? Do you rely on just one or two suppliers? How frequently is inventory analyzed to determine obsolescence and makeup? Do you have a policy of determining what is obsolete inventory and how and when to get rid of it? Do you have an inventory reporting system to provide the necessary tracking information? Accounts Payable Although you want to stretch your payables as long as possible, much like you offer attractive discounts to your buyers you should also take supplier discounts as often as possible if the terms are attractive enough. Make sure your payables are tracked on a regular basis - such as weekly - and that your payment system runs smoothly. As with receivables and inventory, complete a monthly analysis of your accounts payable and compare to previous periods and industry averages. Any material difference or change should be investigated. Make sure vendors understand your company in case there is a situation where you need to stretch your payables. You need a plan to deal with those situations where you may have an unexpected spike in your payables. You should re-evaluate you vendors on a regular basis to make sure you are getting the best value. 4. Budget It is fundamental, you need to plan for growth and you need to forecast for problems. You need to prepare a budget. Besides completing a budget for expected sales, you should also complete a budget for a disaster situation, like your sales are cut in half. The benefit is very straight forward; it forces you to ask yourself how you will be able to keep the company running in such a situation. It will also point to areas where you may be able to save money right away and free up cash flow. It’s like having a disaster plan; you only have to act on it when disaster strikes, but it is much easier to concentrate when you do not have a crisis at hand. 5. Develop a strong relationship with your Bank Devote attention to building relationships with your bank. Always keep them up to date on where your company stands. If you hit a difficult patch it is much easier to get your bank on board if they understand your business. Contrary to opinion, banks do not necessarily jump ship as soon as you fall into trouble. They are willing to work with small business through tough times, and gaining their trust to do so is much easier the more confidence they have in you and your company. They way to accomplish this is to be transparent in your dealings and to give them timely financial information. Use you bank as a resource for cash management. There are products available that can increase your cash flow, or arrangements that can be put in place to increase your interest returns. But you still need to make sure they are cost effective.



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Five major ways to save money

There are two main roads to improving your personal finances: increasing income, and cutting costs. Increasing income is the harder road to travel. After all, you can't always get a raise or a new job when you need one. But cutting costs, that's a different story! You're in complete control in this area. And all it takes is some imagination and discipline-both of which are free. Below are five major ways to save money in the basic areas of food, shelter, clothing and transportation. They're major expenses in your life - and places for major savings. 1. Home Cooking Food is a major expense in everyone's budget. But, in today's convenience food society, it's easy to overlook how much money can be saved by cooking meals at home. Plus, it's fun, creative, and healthier to make your own meals. The key is to cook in "bulk" to stretch the food you buy over several meals. If you're a busy person with little time to spare, a good investment is a slow cooker (or crock pot). Generally, they run from $20 to $80, depending on the size. With a slow cooker, you can set aside some time on the weekend to cook stews, soups, and other delicious meals that can be frozen for weekday use. After a hard day at work, all you have to do is pop the meal in the microwave! More than likely, you'll enjoy an additional benefit - your taste buds will wake up from mass produced food and thank you for the delicious taste of a home-cooked meal! 2. Drive less, exercise more Is owning a car expensive? You already know the answer to that question, don't you? Gas, maintenance, insurance costs. Plus the mental aggravation of being caught in traffic jams! Why not carpool or take public transportation-the bus, train, or light rail? Or, if you live close to work, walk or bike. You'll lose weight, lower your blood pressure, and see the world at a slower pace. And, oh yes, you'll save a couple of thousand dollars in the process. 3. Cut housing costs This is an easy and fun way to cut costs. Instead of paying a contractor to come in to make changes or repairs, make them yourself. Local hardware stores love your business and will help you with tips and tricks on home repair. Also, do your own decorating and painting. You get two benefits by doing your own changes and repairs - you get the pride of accomplishment and you save money. 4. Cut clothing costs This can be another major area of expenses, especially if you have a family. So, try buying used clothing... dry clothes on the clothes line instead of in a dryer... learn how to mend clothes... ...well, you get the idea! 5. Quit your addictions Okay, so this is not really an easy category, but if you enjoy cigarettes and a drink, this is where you can realize some major savings. Assume you're spending $5.00 a day on cigarettes. Added up over a year, that's an expense of $1825. As for liquor or wine, we all know how expensive that is. Assume you buy one bottle a week at $10 to share with family members or friends. That's $520 a year. Add both amounts up, and the total is $2,345! That's money that could be paying down your debt or going into savings. And don't forget the health benefits. You probably have many other ideas on how to save money in the five areas. If it seems hard at times to cut costs in these places, remember one thing - you're on the road to keeping more of your money in your own pocket! As the old saying goes: "Money saved is as good as money earned".



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How to survive thrive the lead up to christmas

Hi there Hasn't time flown? Only seven weeks to Christmas! So how does it feel to know that another year has gone by? Have you taken control of your life or has life taken control of you? To help you get a grip on Christmas I've prepared a special checklist for you. All you need to do is click here and you'll receive my special Free Report "How to Get Organised For Christmas." The Final Word Start preparing for the end of year now so you will be able to enjoy this special time instead of stressing yourself out getting everything done right up to the last minute. Have a great week! Lorraine Pirihi



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Is it time to consider a pet related business

If you read up on trends in business or home business, then you've probably seen quite a few articles recently on the pet industry. To put it briefly, more and more people are owning more and more pets. The figures are amazing, both in terms of numbers of pets owned and amounts spent on pets. According to the APPMA (the American Pet Products Manufacturer's Association), pet spending has more than doubled from $17 billion in 1994 to about $38.4 billion in 2006. And spending is not just on basics like food or routine veterinary care. APPMAs National Pet Owners Survey shows 27% of dog owners and 13% of cat owners buy their pets birthday presents, and 55% of dog owners and 37% of cat owners buy their pet holiday presents. High-end retail goods and services such as pet spas and hotels, pet therapy and expanding veterinary services such as joint replacement surgeries and delicate eye procedures are becoming more common. Baby boomers (whose children have grown up) and young professional couples (who delay having children in favor of careers), are fuelling much of the growth in spending. They turn to pets to fill the void and often consider their furry companion a best friend or member of the family. So what does this mean for you? Maybe not much, unless you also consider the continuing growth of and interest in self-employment and home based business. For many people, corporate downsizing, reduced pension plans or health care coverage, outsourcing and the sheer desire for financial independence are good reasons to consider starting a full or part-time business venture. It's this combination - the booming pet industry and the need for supplemental or replacement income - that makes it worth your while to examine the pet industry. After all, if you're going to start a business, it makes sense to start one with a growing customer base and high demand. Not that a pet-related business means you have to work directly with pets. Or get a degree in veterinary science. Or pay thousands of dollars in fees to open up a pet store franchise. When you consider that many pet owners have higher-than-average disposable incomes and full time careers too, products or services that go beyond the traditional can be surprisingly profitable. For example, if you do like to work directly with cats, dogs or small animals, dog grooming and pet sitting continue to be viable businesses. But they're just the beginning. If you prefer less competition, consider pet photography, or becoming a pet massage therapist, or raising one of the popular new crossbreeds such as Puggles or Labradoodles. A doggie day care might be fun. There are even people who conduct parties for pets, to celebrate birthdays and other events like graduation from obedience school! But you can start a pet-related business even if you can't stand dogs or are allergic to cats. Remember, pet owners today spend a lot of money both to pamper their pets and to make owning a pet more convenient. So you could sew designer clothes for dogs or designer dog carriers. You can fulfill an ongoing need of pet owners by starting a pet food delivery service, or take care of animal waste through a pooper-scooper enterprise. You could write a newsletter focused on the care of tropical fish, or design and sell dog houses. It's a purr-fectly great time to start a pet business!



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Solitaire klondike learn how to play

Since computers entered each and every household, classroom and office, solitaire became the most popular game. It is simple to learn, easy to play, and addictive because of its simplicity. But that was ages ago, and people have begun to grow tired of that same old game. As a result, they turned to new variations and Klondike is the most popular of them. Ironically, its not a new game. The term Klondike as a game surfaces somewhere in the latter part of the nineteen hundred, and historians suggest that it evolved from miners in the Alaskan and Californian mountains to pass the time. How Can You Play Klondike? This is not a difficult game to learn, but what's good is that though you will get the hang of it quickly, its difficult to beat in an addictive way. Its not frustrating, but fun and invigorating.

One of the things you must learn is how to lay the cards out. 1) Start by placing one card on the table in front of you. Place it facing up. 2) Place another six cards to its left, but keep these facing down. 3) Place a card facing up to the card left of the first card you placed down. 4) Add another card facing down to all the remaining cards a bit below them so as to form a column. Likewise, continue by placing one open card and then by adding a closed card to the rest. If you follow the instructions properly, you should have it so that last column will have seven cards. Check also that you have twenty-four cards in your hand because these are the cards you will play with. Now What? What you have to try and do is place all the cards on the four different aces. These will appear whenever they do, and you have to try and create the four suited sequence from the ace to the king. The moment you see and ace, place it on the side and start adding the next card. (eg: After an ace, place a two and then a three.) Note that each suit must be according to colour and type. By this I mean that the ace of diamond gets only diamonds, the ace of spades gets only spade cards and so on. Likewise, you can create card sequences down on the base cards as well by placing the card lower than it of the opposite colour. For instance, under a six of clubs, you can place either a five of diamonds or a five of hearts, but the five of clubs or the five of spades is out of the question. Opening the Cards Facing Down When you can use the cards facing up, then you can open the card that appears under it. And like in regular Solitaire, when you manage to open a base card and have only six or less bases, you can open a new base by placing a King there. Moving Sequences You can also move card sequences from one base to another and this doesn't depend on the length of the sequence. All that matters is that the rules of sequence are kept. To use the cards in your hand, take the top three cards and turn them over. But remember that you can use only the top card. Only if and when you use that card, you can use the next one under it. Continue revealing batches of three. Once done, pick up all the cards and start again.



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50 college papers to advertise in

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In the past, some of the biggest sellers on campus have beenradio and stereo equipment, music tapes, car repair manuals, study aids, self-improvement booklets and tapes, school fads ofvarious natures, and any kind of special or different steins fordrinking beer. Any new idea or product you may be able to comeup with could be very advantageous to you in the form ofincreased sales. Advertising in college bulletins and newspapers gains moreresults during the first three days of the week. When orderingadvertising, it is best to specify that your ad appear in theMonday-Wednesday editions. Thursday is okay, but Friday isdefinitely out; minds seem to drift toward plans for theweekend, leaving little interest for purchasing. Write to the enclosed list of publications. Ask for their ratesand circulation. All of them will respond to your needs andmany of them will call you and discuss whatever plans you havefor advertising.

They will work with you to try to see that youget the most response from any type ad you may run. We sincerely hope this report helps you in gaining sales and isan instrument in the growth of your company. You cannot beatthe circulation of prospects reached for the dollars spent. Have a good year! 50 LEADING COLLEGE BUYING POWERSUniversity of OregonDaily EmeraldP. O. Box 3159Eugene, OR 97403Circ. 10,500 dailyUniversity of ArkansasArkansas TravelerHill Hall 304Fayetteville, AR 72701Circ. 8000 bi-weeklyUniversity of MississippiDaily MississippianUniversity, MS 38677Circ. 10,000 dailyUniversity of WashingtonThe Daily144 Communications DS-20Seattle, WA 98195Circ.

18,000 dailyUniversity of Texas at ArlingtonP. O. Box 19038Arlington, TX 76019-0038Circ. 18,000 dailyUniversity of VirginiaThe Cavalier DailyNewcomb HallCharlottesville, VA 22901Circ. 13,000 dailyIllinois State UniversityVidetteNormal, Il 61761Circ. 22,000 dailyBall State UniversityMunci, IN 47306Circ. 14,000 dailyFlorida State UniversityP. O. Box U-7001Tallahassee, FL 32306Circ. 46,000 daily Jackson State UniversityJackson, MS 39217Circ.

unknownIndiana State UniversityThe Indiana StatesmanTirey Memorial Union Annex, ISUTerre Haute, IN 47809Circ. 14,000 dailyWest Texas State UniversityCollege of Arts and ScienceCanyon, TX 79016Circ. unknownTexas Southern University 3100 Cleburne AvenueHouston, TX 77004Circ. 15,000 weeklySpelman CollegeSpelman SpotlightP. O. Box 40Atlanta, GA 30314Circ. unknown Wright State UniversityThe Daily GuardianDayton, OH. 45435Circ.

4,000 dailyUniversity of South FloridaOracleLet 472, Arts and Letters Bldg. Tampa, FL 33620Circ. 25,000 dailyOhio State UniversityThe Lantern281 Journalism Bldg.242 W. 18th St. Columbus, OH 43210-1107Circ. 31,000 dailyMontana State UniversityExponentStrand Union Bldg.

Bozeman, MT 59715Circ. 8,000 bi-weeklyTexas Tech. UniversityP. O. Box 4080Lubbock, TX 79409Circ. 17,000 dailyUniversity of FloridaThe AlligatorP. O. Box 14257Gainesville, FL 32604Circ. 43,000 dailyIowa University111 Communications CenterIowa City, IA 52242Circ. 20,000 dailyBowling Green State UniversityThe BG News106 University HallBowling Green, OH 43403Circ. 11,000 dailyMorgan State UniversitySpokesmanCold Spring Ln. & Hillen Rd. Baltimore, MD 21239Circ.

4,000 bi-weeklyEast Texas State UniversityThe East TexanBox D - ET StationCommerce, TX 75428Circ. 7,000 bi-weeklySan Francisco State UniversityDept. of Journalism1600 Holloway Ave. San Francisco, CA 94132Circ. 10,000 weeklyAuburn UniversityThe Auburn Plainsman1st Floor, Foy Union Bldg. Auburn, AL 36849Circ. 18,500 weeklyWinona State UniversityWinonianWinina, MN 55987Circ. unknownWashington UniversityStudent LifeSt.

Louis, MO 63130Circ. 8,300 weeklyUniversity of TulsaCollegian600 So. CollegeTulsa, OK 74104Circ. 4000 weeklyUniversity of MarylandDiamondbackCollege Park, MD 20742Circ. 21,000 dailyUniversity of KentuckyThe Kentucky Kernel210 Journalism Bldg. Lexington, KY 40506circ. 18,000 dailyBoston CollegeThe HeightsChestnut Hill, MA 02167Circ. 9,500 weekly Seton Hall UniversityThe SetonianS. Orange, NJ 07079Circ. 10,500 WeeklyPace UniversityPace PlazaNew York, NY 10038Circ.

unknownUniversity of New MexicoStudent PublicationsP. O. Box 20Albuquerque, NM 87131Circ. 30,000 weeklyUniversity of WisconsinUnion Box 88P. O. Box 413Milwaukee, WI 53201Circ. unknownUniversity of Tennessee5 Communications Bldg. Knoxville, TN 37996-0314Circ. 15,000 dailyCal State University, Long BeachSS/PA-0101250 Bellflower Blvd.

Long Beach, CA 90840Circ. 20,000 dailyNorthwestern UniversityN. O. News360 Huntington Ave. Boston, MA 02115Circ. 21,000 weeklyUniversity of Wisconsin, StoutThe StoutoniaMenomonie, WI 54751Circ. 7,000 weeklyTexas Christian UniversityThe Daily SkiffP. O. Box 32929Circ. 5,500 monthlyUniversity of Wisconsin, La CrosseRacquetLa Crosse, WI 54601Circ. 5,000 weeklyWashington State UniversityThe Daily EvergreenP. O. Box 2008 C. S.Pullman, WA 99164Circ.

20,000 dailySan Jose State UniversitySpartan DailySan Jose, CA 95192Circ. 15,000 dailyPortland State UniversityVaanguardP. O. Box 751Portland, OR 97207Circ. 17,000 bi-weeklyValdosta State CollegeThe SpectatorVSC Box 194Valdosta, GA 31698Circ. unknownKent State UniversityDaily Kent StaterKent, OH 44242Circ.

unknownGeorgia State UniversitySignalBox 695 University PlazaAtlanta, GA 30303Circ. 10,000 weeklyArizona State UniversityState Press15 Matthews CenterTempe, AZ 85287Circ. 40,000 daily$%ћўxy(*О!С!‹"’"“"пЯРБµБµБµБµБµБhЦs|CJOJQJaJhЦs|hЦs|CJOJQJaJhЦs|hЦs|CJOJQJaJhЦs|hЦs|5ЃCJOJQJaJhЦs|hЦs|5ЃCJOJQJaJ%).jЎа $ % e ¤ Ю S Ћ Ё © ж 'f¦е_ghҐв"эээээээээээээээээээээээээээээ“"ю"cўЫмн(gҐаJK‹ИG{|Ѕы:LNЃ‚—ҐіДэээээээээээээээээээээээээээээДЧШп&;QRi|‰Ј¶эээээээээээээээээээээээээээээ¶·СЩкэю$78QawЉЏЁєИЙвш.AB^z‹™эээээээээээээээээээээээээээээ™љёНЯуф"4BG_r„–—ієЪкэю 5E]pэээээээээээээээээээээээээээээpqЉ“¦ёОПжф0>Mcvw‡ЎµИЙиф 34эээээээээээээээээээээээээээээ4LVs‡ќћџ ЎўѕНау )=Ph|}Џ¤їРдеэээээээээээээээээээээээээээээээ%&QRi|‰Ј¶·СЩкэю$78QawЉЏЁєИЙвш.AB^z‹™љёНЯуф"4BG_r„–—ієЪкэю 5E]pqЉ“¦ёОПжф0>Mcvw‡ЎµИЙиф 34LVs‡ќћџ ЎўѕНау )=Ph|}Џ¤їРдеэ%&>MMZ]ww|ЎЎ¬ЇЙЙЧЭ44;AVVhhss~Ѓўў§­іаакн ==PP_b}}„“їїЗКеемт&&1IITWqqџџ¦©ВВРееуц++PP[^yyЂ””Ј¦ГГЙОжжсф**47LLZzz††“–±±їППЦЦггос55@CbbflxxЌЌЈЈЇІоо **8WWbe…ЏЄЄООЬззщщ!!,2QQddmpЉЉ“™ІІјїЩЩвиээ 55>^^ffps€€Ќ“°°¶№ССЩЯссщщ 119?iips• ! "#$&%)'(*,+-0./142358679<:;=@>?ADBCEHFGILJKMPNOQTRSUVWZXY[_]^`bacfdeghijknlmoqprtswuvx{yz|~}ЃЂ‚…ѓ„†‰‡€Љ‹ЊЏЌЋђ“‘’”•?–—™њљ›ќџћў ЎЈҐ¤¦Ё§«©Є¬®­ЇІ°±і¶ґµ·єё№»ѕјЅїАБВГЖДЕЗЛИЙКМПНОРУСТФХЦЩЧШЪЬЫЭЮбЯавегджйзикмлнропсутфчхцшъщыюьэя #!"$&%')(+*.,-/1025346978:;<=>A?@BCDGEFHJIKNLMORPQSUTWVXYZ][^a_`bdcgefhkijlomnpsqrtvuywxz|{}~‚ЂЃѓ†„…‡Љ€‰‹ЋЊЌЏ‘ђ“’”—•–?›™љњџќћ Њ – – ­ І № Ѕ Г Г в о о ч ч % % F U U t x ~ ~ ќ « « Ц Ъ а а я $.2==hh?њўўїЕРРЯгйй##?EPPlpvv–њ§§Їі№№РЦббнн#'--FLR]]emmЂ„ЉЉџџММФШЮЮы!)-33MS^^x||ЄІІЯгййCCMQ\x~‰‰™­±··ФЪееоуыя$//FLXbb{††Є®ґґЦЬзз:@KKeerr|Ђ††¦¬ІЅЅимтт((OO]aggѓЋЋ™ЕЙППлсьь0;;RV\{„„¤Ё®®МШШсхыы&&33Y]cc‡‡ЎҐ««ИНШШпущщ26<BMMekvv‚‚ўў­±··4AA`djj„Ћ™™ІёШеерр+1<IInrxx• ! "#$&%()'*,+-/0.134257869;<:=?@>ACDBEGHFIKLJMOPNQSTRUVWYZX[]^_`bacefdghijkmnloqprtsvwuxz{y|~}ЃЂ‚„…ѓ†€‰‡Љ‹ЊЋЏЌђ’“‘”•—?–™›њљќџћЎў ЈҐ¤¦Ё§Є«©¬®­Ї±І°іµ¶ґ·№єё»ЅѕјїАБВГЕЖДЗЙКЛИМОПНРТУСФХЦШЩЧЪЬЫЭЮабЯвдегжийзкмлнпросутфцчхшъщыэюья "#!$&%')(+*-.,/1024536897:;<=>@A?BCDFGEHJIKMNLOQRPSUTWVXYZ][^`a_bdcfgehjkilnomprsqtvuxywz|{}~Ѓ‚Ђѓ…†„‡‰Љ€‹ЌЋЊЏ‘ђ“’”–—•?љ›™њћџќ 9љ*Ђurn:schemas-microsoft-com:office:smarttagsЂStateЂ9Ў*Ђurn:schemas-microsoft-com:office:smarttagsЂplaceЂ8›*Ђurn:schemas-microsoft-com:office:smarttagsЂCityЂ;ћ*Ђurn:schemas-microsoft-com:office:smarttagsЂaddressЂ=џ*Ђurn:schemas-microsoft-com:office:smarttags ЂPlaceNameЂ= *Ђurn:schemas-microsoft-com:office:smarttags ЂPlaceTypeЂ:ќ*Ђurn:schemas-microsoft-com:office:smarttagsЂStreetЂ>™*Ђurn:schemas-microsoft-com:office:smarttags ЂPostalCodeЂЎ џћќЎ›љ™Ў џЎљЎ›љ™Ў џЎ›љ™Ў џЎ›љ™Ў џЎ›ћќЎ›љ™Ў џЎ›љ™Ўџ Ў›љ™Ўџ Ў›љ™Ўџ Ў›љ™Ўџџ Ў›љ™Ўџ ЎљЎ›љ™Ўџџ Ў џЎ›љ™ЎљћќЎ›љ™Ўџ ћќЎ›љ™Ўџ Ў›љЎ›љЎ›љ™Ўџ ћќЎ›љ™Ўџ ЎЎ›љ™Ўџџ ћќЎ›љ™Ў џћќЎ›љ™Ўџ Ў›љ™Ўџ Ў›љ™Ўџџ ћќћќЎ›љ™Ўџџ Ў›љ™Ўџ ћќЎ›љ™Ўџ ЎЎ›љ™Ўџџ Ў›љ™Ўџ Ў›љ™Ў џЎ›љ™Ў џЎ›љ™Ў џЎљЎ›љ™Ўџ Ў›љ™Ўџ Ў›љ™Ў›љ™Ў џћќЎ›љ™Ў џћќћќЎ›љ™Ў џЎ›љ™Ўџџ Ў›ћќЎ›љ™ћќЎ›љ™Ў џЎ›љ™ЎџџџћќЎ џЎ›Ў›љ™Ўџ ћќЎ›љ™Ўџ Ў›љ™Ўџ ћќЎ›љ™Ўџ ћќЎ›љ™Ўџџ Ў›љ™Ўџџ ћќЎ Ў›љ™Ўџ Ў›љ™СШшэфыbdhnэЭеMVW`уь©Ї•juЎС#e”Ћ§&'3f—¦Ї_f*2cqЫл(XҐїI‹›њЈµјЅЛ 4Vr;O4•33333333333333333333333333ўѕy€*IСк••яя е#F Цs|я@hp psc 1200 seriesNe02:winspoolhp psc 1200 serieshp psc 1200 seriesseries,Local!@ЬmЯЂBѓe‡€€RLdArial8ВtBѓe‡МЪєМЪє\REMShp psc 1200 series,LocalOnly,DrvConverthp psc 1200 seriesseries,Local!@ЬmЯЂBѓe‡€€RLdArial8ВtBѓe‡МЪєМЪє\REMShp psc 1200 series,LocalOnly,DrvConvertЂ’’pі<’’“ @яяUnknownяяяяяяяяяяяяGђ‡z ЂяTimes New Roman5ђЂSymbol3&ђ‡z ЂяArialC MS Sans SerifAР5$§F5$§Fчњ0чњ0!„ҐАxxЂ24††3ѓ„яЯH(ая?дяяяяяяяяяяяяяяяяяяяяяЦs|яя$ 50 COLLEGE PAPERS TO ADVERTISE IN юяа…џтщOh«‘+'іЩ0l€ђАМШдф (4@LTdд% 50 COLLEGE PAPERS TO ADVERTISE INsof 5 5 5NormalO rm2rmMicrosoft Word 10.0@FГ#@юъДџЖ@юъДџЖчњюяХНХњ.“—+,щ®0hp|„Њ”њ¤¬ґјнд 0†A % 50 COLLEGE PAPERS TO ADVERTISE INTitle юяяя"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[]^_`abcюяяяefghijkюяяяmnopqrsюяяяэяяяvюяяяюяяяюяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяRoot Entryяяяяяяяя АFP‡ЕџЖxЂ1Tableяяяяяяяя!–„WordDocumentяяяяяяяя)@SummaryInformation(яяяяdDocumentSummaryInformation8яяяяяяяяяяяяlCompObjяяяяяяяяяяяяjяяяяяяяяяяяяяяяяяяяяяяяяюяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяюя яяяя АFMicrosoft Word Document MSWordDocWord. Document.8ф9Іq



Online 50 college papers to advertise in

European family vacations tour package

European Family Vacations Tour Packages: A Good Deal! For many of the American people, a European family vacation is a principal goal to aim at. Practically speaking, the fares for the tour are not at all applicable granting the fact that many tourists express the desire to pay a visit to this world renowned continent. More so, because of its vastness, the travel destination may be confusing on your part too. Where do you really want to spend some quality time with your family? Is it in Spain? Or in France? The point of deciding on where you really want to go is somewhat difficult. Thus, it will be wise for you to take some time and draft a tentative plan for your desired trip. Your Best Option What can be your best option? Well, it is none other than to book a reservation for a European trip. It will be best to purchase the travel packages as there can be freebies which are up for grabs. With the packages and itineraries available, you can choose from an array of destinations and likewise be rid of the worries and tension that come along with the personal planning of the trip. Why should you drain yourself because of the entire fuss on the trip when you can always just sit back, relax, and look forward to your scheduled travel? Availing of the European travel packages is the best way of granting yourselves of the chance to take a good time away from work and see places that will surely delight you. The packages often include the hotel accommodations, itinerary schedules, and transportation services. For the more expensive European travel packages, a lot other features are involved. Among of which are the dining sprees in the restaurants, special trips bound for the out of the way destinations, and an escorted tour all over the chosen location which will be very much beneficial for the non-English speaking places. The packages offered may cover several countries in the European continent with the visits to last for a number of days. There is a wide spectrum of choices when it comes to the selection of the travel agency from where to book your reservations. You can also surf the Internet for this matter. Also, you can prefer a visit to some specific places especially if you have a common craving for particular wine, cooking, or art qualities. The Reason behind its Benefit You may ask why it is more appropriate to consider a travel agency to arrange your vacation schedule. Aside from the high rate of the possibility of being unburdened with the worries of picking out your choices of destinations and arranging for the accommodations, European packages can offer you with more advantages. Surely, the packages already arrange for your travel stops and other pertinent details. Since you are getting a group booking, it is most likely that you can negotiate for bigger discounts. There are instances when promos are made available so if you get the quota of the number of tour participants, you can get your last ticket for free. More so, the tour packages can provide you with escorts or guides. The guides are actually residents of the locale and if you choose to visit some non-English countries you can always be assured that you have an interpreter. Are you henceforth convinced that European family vacation packages will do you good? Well, better chance upon the best offers of your travel agents!



Online European family vacations tour package

Get started exercising now but take it easy

So you're overweight, "fat"--to be honest--and you want to start exercising. Before you take off like an overlarge airplane and start preparing for the Olympics trials, stop right there. You may have it all figured out by now, after checking with your friends, the media and finally that fickle fiend known as the bathroom mirror, that a regular exercise program is the only way to fly when it comes to permanent weight loss. That entails working out or otherwise flexing your physical and psychological muscles on a regular basis, perhaps three times a week, or maybe even once per day. But therein lies the rub. How do you get started? How often do you exercise? Most importantly, if you've been very sedate or at least somewhat off your feet for awhile, what's the safest way to begin an effective, weight-loss centered exercise program? Beginning a Righteous Program--Realistically First of all, follow the old saw about consulting with your doctor. Don't start thinking you can just begin running around the block. That's why the medical profession exists, to advise and keep you safe. You doctor will recommend specific types of exercise tailored to fit your own individual lifestyle, personal health needs and concerns. But you don't need to make it entirely clinical when you begin an exercise program. Most importantly, you need to pick something you're going to stick with. What do you like in the way of sports? If you're people-oriented, you should look into joining a team sports program of some kind in your area, one created for adult participation. You can look for a local softball league, take a beginning aerobics class at a fitness center, or play regular games of basketball at a gym with your buddies. And then there's golf, the perennial favorite of people who want to perform fun and interesting mild exercise. All you have to do is motivate yourself and perhaps some friends to get started. Or if you're a loner, you can take up an individualized sport such as bicycle touring, which can also be done in small groups, or laps swimming at your community pool. But be realistic, and work with your doctor. You want to aim for something fun that you'll keep committing to doing regularly. If it's something you hate, perhaps such as running on a track, climbing stairs or using what seems to you to be boring exercise equipment, forget it! Don't spend all your money on something you can't keep doing because you feel guilty, or think you have to punish yourself into exercising. Be sure you like what you're going to do before you get started. Simply walking around the block is a very inexpensive and potentially fun way to go from a sedentary state to a beginning new level of much better health and fitness. You must start with something easy and simple if you haven't been exercising for decades, and you should gradually increase your level of activity as you feel comfortable with it. Move by inches, not by miles. Eventually, you can try exercising every single day, anywhere from twenty minutes to a full hour. But especially at first--and that may be for several months--don't push yourself too hard. Don't go all out, and get frustrated because you can't keep it up. You don't have to be a college athlete, and you can seriously hurt your heart by pushing too hard or overdoing it. Remember, you're doing this for fun, for health reasons and to feel good about yourself. Don't try to become an "athlete" unless you think that will be something you'll want to commit to on a much more rigorous schedule. Later! Easy Exercise Comes--Naturally Americans tend to think of exercise as more their duty than as a part of their culture, or "way of life." But it's a true lifestyle preference. Throughout the world, many forms of regular exercise are taking hold of whole general populations. Take walking, for example. In Europe, people are flocking to their local well-developed public hiking trails, and there's quite a few of those spread across the USA as well. Walking of a moderate type is called Volkssport in Europe, and it's really been around for many centuries. Easy-going exercise such as walking continues to stave off heart disease, osteoporosis, high cholesterol and many types of cancer, as well as taking care of most of your belly flab. It doesn't sound like much, but it will really tighten your whole body up. Your legs will especially benefit, and your buns will automatically grow firmer as you stroll. Not to mention that the worst investment you need to make is a pair of comfy, sturdy sensible shoes, preferably made of leather or canvas with rubber soles. You may think that yoga is some uncomfortable form of Eastern self-punishment and mysticism, but it's not. Yoga is great for toning your body, as it's extremely gentle when done correctly. It combines traditional breathing and relaxation techniques with simple stretching. It's good to use yoga during a weight-loss program when you're sedentary, as it's very easy on your body, you don't have to repeat the same exercises every day, and it requires a minimal time commitment. Yoga can be used in conjunction with a more rigorous exercise program to help maintain your overall state of fitness. "Yoga doesn't take over your life, it enhances it," says Alice Cristensen, founder and executive director of the American Yoga Association. Continuing Your Program--Goals and Motivation Okay, so you've gotten started, but what does all this have to do with watching your weight? To keep on schedule with this as your original goal, you also have to keep that commitment to lose enough poundage to be a healthy, happy and physically fit person. First of all, you have to figure out exactly what you're expecting to accomplish. Are you looking for optimal health, or do you really want to fit into slinky clothes better? Either way, you're going to have to set goals and try to attain them as you go. It helps to clearly keep in mind what you're aiming for, and it helps to visualize yourself at your ideal weight several times a day. This image impresses itself upon your subconscious and inwardly motivates you to continue your program with a bulldog's sheer tenacity and motivation. You want that; whatever happens, you don't want to stress out and quit. Try looking at old photographs of yourself at your ideal weight and picturing realistically what you'll look like when you're back there again. Don't expect the Fountain of Youth, but you'd be shocked how close you can get to your mental picture, and how good you're going to feel as you move your body, eat less liberally and become fit and not fat. You must also remember to keep it simple when you're losing weight. In most cases, burning more calories than you ingest is the biggest concern. You have to expend approximately 3,500 calories to lose one pound of adipose fat tissue. Water weight doesn't count, and that's what a lot of people lose at first. Also, the important thing about exercise is that you can eat almost normally and still lose the weight at a healthy and reasonable pace. If you don't exercise and try to lose weight, you'll be tempted to embark on a starvation diet. This has been shown to make you lose lean muscle mass instead of fat in most cases, and although you'll drop some pounds, they may be the wrongest ones. Chances are that if you're unfit while you're losing weight, you'll get physically tired, sleep less, become overly emotional, and stress out and become extremely irritable. It simply isn't healthy to do it that way, so you need at least a moderate exercise program. Try keeping a journal of your progress every day, and consult with it when you want to know how far along you've come. You can also use it to gauge how you're doing, and whether or not you're losing weight at a reasonable pace. Congratulate yourself every time you ate the right thing, kept to your walking schedule, or didn't give in to temptation that day by making a brief note about it. Read the journal to inspire you about what you're doing whenever you feel the urge to let go. Don't forget to share any successes or failures with your friends and family. Tell them all about how proud you are of the new lifestyle choices you're making, and share in their enthusiasm. They want you to be healthy and go on living, and so do you. But some of them may worry that you're starving yourself or are in a state of denial. Reassure them, and proceed carefully with your healthy diet and exercise plans, while always knowing that it's exactly what you need to do to look better, feel stronger and live longer. Easy Dieting Tips to Live By--Starting Now • Never eat after 7 pm. Studies prove that your body's metabolism begins to shut down in the early evening. It needed fuel to function earlier, but at night you're getting yourself ready to fall asleep. Eat the bulk of your daily food intake around noon--that's when you're burning the most calories. But if you work nights, do it the other way around, of course. It's not the time of day that's important; it's the fact that your body is well-adjusted to a cycle where it doesn't burn many calories before and during bedtime. • Limit your intake of saturated fats, sugars and any other substances in food proven to add empty calories to your daily diet. Don't drink any pop or sodas at all as they're very bad for you generally, being full of chemicals. Diet sodas tempt you into drinking the sugary ones, and all soda pop robs water from your system and makes you thirstier. That can lead to eating more food. • Eat lots of vegetables and fruits. You might want to go easy on some of the higher-calorie fruits such as starchy bananas, and don't eat lots of high-fat avocados. But in general veggies are a dieter's best friend. You might want to always eat your veggies with some meat protein to curb any histamines that might ravage your system and make it harder for you to breathe. Also, eating plenty of veggies kills the hunger signals from your brain, due to their sheer bulk and fiber. And the nutrients in fruits and veggies will increase your physical strength. Eat your spinach! • Also eat lots of whole grains, which provide antioxidants that fight cancer and help you feel satisfied in a manner similar to that of eating veggies. But whole grains are even more filling, and help you digest your food. You want to eat plenty of fibrous foods, plus drinking lots of water, to flush toxins left over in your body from the dieting completely out of your system. • Take a healthy multivitamin. Don't go overboard and try to take everything, because some of the substances we need interact non-positively and can cause chemical imbalances. Consult with your doctor and see what's recommended nowadays. One good wholistic multivitamin and mineral supplement--not a megadose of potentially harmful chemicals--can improve your skin, hair, overall appearance in general, and also your chances of managing on a little bit less food.



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Eating disorders and the narcissist

Patients suffering from eating disorders binge on food and sometimes are both anorectic and bulimic. This is an impulsive behaviour as defined by the DSM (particularly in the case of BPD and to a lesser extent of Cluster B disorders in general). Some patients develop these disorders as a way to self-mutilate. It is a convergence of two pathological behaviours: self-mutilation and an impulsive (rather, compulsive or ritualistic) behaviour. The key to improving the mental state of patients with dual diagnosis (a personality disorder plus an eating disorder) lies in concentrating upon their eating and sleeping disorders. By controlling their eating disorders, patients assert control over their lives. This is bound to reduce their depression (even eliminate it altogether as a constant feature of their mental life).

This is likely to ameliorate other facets of their personality disorders. Here is the chain: controlling one's eating disorders controlling one's life enhanced sense of self-worth, self-confidence, self-esteem a challenge, an interest, an enemy to subjugate a feeling of strength socialising feeling better. When a patient has a personality disorder and an eating disorder, the therapist should concentrate on the eating disorder. Personality disorders are intricate and intractable. They are rarely curable (though certain aspects, like OCD, or depression can be ameliorated with medication). Their treatment calls for the enormous, persistent and continuous investment of resources of every kind by everyone involved. From the patient's point of view, the treatment of her personality disorder is not an efficient allocation of scarce mental resources.

Also personality disorders are not the real threat. If a patient with a personality disorder is cured of it but her eating disorders are aggravated, she might die (though mentally healthy)… An eating disorder is both a signal of distress ("I wish to die, I feel so bad, somebody help me") and a message: "I think I lost control. I am very afraid of losing control. I will control my food intake and discharge. This way I control at least ONE aspect of my life.

" This is where we can and should begin to help the patient. Help him to regain control. The family or other supporting figures must think what they can do to make the patient feel that he is in control, that he manages things his own way, that he is contributing, has his own schedules, his own agenda, matter. Eating disorders indicate the strong combined activity of an underlying sense of lack of personal autonomy and an underlying sense of lack of self-control. The patient feels inordinately, paralysingly helpless and ineffective. His eating disorders are an effort to exert and reassert mastery over his own life. At this stage, he is unable to differentiate his own feelings and needs from those of others. His cognitive and perceptual distortions (for instance, regarding body image – somatoform disorders) only increase his feeling of personal ineffectiveness and his need to exercise even more self-control (on his diet, the only thing left). The patient does not trust himself in the slightest. He is his worst enemy, a mortal enemy, and he knows it. Therefore, any efforts to collaborate with HIM against his disorder – are perceived as collaboration with his worst enemy against his only mode of controlling his life to some extent. The patient views the world in terms of black and white, of absolutes. So, he cannot let go even to a very small degree. He is HORRIFIED – constantly. This is why he finds it impossible to form relationships: he mistrusts (himself and by extension others), he does not want to become an adult, he does not enjoy sex or love (which both entail a modicum of loss of control). All this leads to a chronic absence of self-esteem. These patients like their disorder. Their eating disorder is their only achievement. Otherwise they are ashamed of themselves and disgusted by their shortcomings (expressed through shame and disgust directed at their bodies). There is a chance to cure the patient of his eating disorders (though the dual diagnosis of eating disorder and personality disorder has a poor prognosis). This – and ONLY this – must be done at the first stage. The patient's family should consider therapy AND support groups (Overeaters Anonymous). Recovery prognosis is good after 2 years of treatment and support. The family must be heavily involved in the therapeutic process. Family dynamics usually contribute to the development of such disorders. Medication, cognitive or behavioural therapy, psychodynamic therapy and family therapy ought to do it. The change in the patient IF the treatment of his eating disorders is successful is VERY MARKED. His major depression disappears together with his sleeping disorders. He becomes socially active again and gets a life. His personality disorder might make it difficult for him – but, in isolation, without the exacerbating circumstances of his other disorders, he finds it much easier to cope with. Patients with eating disorders may be in mortal danger. Their behaviour is ruining their bodies relentlessly and inexorably. They might attempt suicide. They might do drugs. It is only a question of time. Our goal is to buy them time. The older they get, the more experienced they become, the more their body chemistry changes with age – the better their prognosis.



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Holiday dieting a sweet way to cheat

If your diet is making you a humbug this season, there’s some good news. Turns out dark chocolate, that decadent confection, may actually be good for you! Yes, recently conducted studies published in the American Journal of Clinical Nutrition have shown that a dose of dark chocolate will heed all sorts of healthy results. And with holiday-time upon us, this news couldn’t have come at a better time. So just for fun, I thought I’d conduct a mini-research project of my own and get the “skinny” on our friend dark chocolate. Here’s some of the interesting factoids I came up with: Cocoa—the precursor to chocolate--has been around a long time. A few thousand years, in fact. It has been thought that cocoa beans were brought to Europe in the 1500’s by Christopher Columbus. Cocoa, later made into chocolate, was given to American Soldiers in WWII. According to historical data, each solider was given a three chocolate bar per day ration, due to it being such a great source of high-energy. Researchers got involved when studies showed that in addition to being a high energy food, chocolate also stimulates elevated moods. Researchers found truth to this, showing that dark chocolate does, in fact, increase levels of mood-altering chemicals such as serotonin and endorphins. Some researchers have also gone on to conduct major studies to prove the correlation between chocolate and a true physiological craving. (Check out “Why Women Need Chocolate,” written by Debra Waterhouse, Registered Dietician in 1999). And, the best news yet. Upon further study, it has been found that the “flavonoids” in dark chocolate are scientifically proven to act as antioxidants, preventing “bad” cholesterol (LDL) in the blood from oxidizing and clogging arteries. So, if you are looking for a healthy way to “cheat” this holiday season, dark chocolate may not be all together a bad option. Facts aside, however, and before you run out to fill your shopping cart full, keep these guidelines in mind: Heed the advice of Aristotle: “Everything in moderation.” Refrain from taking the “chocolate factory tour.” Keep your chocolate fix to a minimum. Enjoy it, but please don’t over do. When you are shopping for chocolate, try to find “dark” varieties with at least 70% cocoa. Also, make sure “sugar” or “butter fat” are not the first items listed. If you’d like to skip the treat but not the fun, send a virtual chocolate postcard from this fun chocolate website (no calories included) : http:// virtualchocolate. com/index. cfm To summarize my findings; it appears that dark chocolate is in fact our friend (and we will just leave its aphrodisiac qualities to your own private discussion groups, thanks). As for the cravings... Well, do we really need chocolate? Survey says: Dunno. But, with the holidays upon us, a Hershey’s Special Dark Chocolate once in a while—now available in the *sugar free” variety, mind you--sounds sweet enough to me. (Research Ref: Eat To Beat Cancer, Hatherill. 1998 St. Martins Press, New York)



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Where to find maryland drug rehab centers

Everything can be found on the Internet. At various sites there's a comprehensive list of all Maryland drug rehab centers along with contact information and short advertising articles. There are lots of various treatment centers in this State, and from their commercials it seems most of them are well-situated and well-equipped. But it's not a rehab center that counts most. It's the choice of therapist. An addict can get into the best Maryland drug rehab center and still had to spend some very hard time if you don't know how to choose the right therapist.

Choosing the therapist As for the professionalism, there are three things that count most. The first is, of course, some academic degree (MA, MS, MSW, PhD, PsyD, MD etc.). The second is experience - completion of some extensive psychotherapy course is absolutely must. The third might be somewhat hard-to-touch. An addict has to accept him. They can't force themselves into cooperation with somebody they don't accept. Choosing the right therapist might be difficult. It's not because of them, but because of addicts' psychological problems - when addicts accept the treatment, they sometimes try to force themselves to everything, as if they were punishing themselves for being addicts. It's not a good way - Maryland drug rehab centers employ a lot of good therapist, so the choice shouldn't be so difficult. Just let the addicts follow their gut feelings - people under treatment have to talk over very (and I mean very) personal experiences and sometimes it hard to do, for example if the therapist is a member of the opposite sex or in a wrong age or even when he is too blond. Why the right therapist is so important? One can force itself into beginning the therapy, but to endure all the months needed to complete it is another matter entirely. One has to have an anchor that will keep them in the therapy and won't let go. The best anchor possible is the link of friendship between an addict and a therapist. Sometimes it's the only thing that keeps people clean, so no one can underestimate this.



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Home security systems provide a safe environment for family members

There were 4 million household burglaries in the United States, nearly 500,000 resulted in bodily injury, and 20,000 resulted in homicides, frightening statistics. Additional statistics reveal that a home without a security system is three times as likely to be burglarized as compared to one which is equipped with a security system. These facts make it obvious that a home security system will reduce your chances of intrusion, and can protect your life and property. It is therefore necessary to conduct an extensive home security review, to determine the appropriate systems necessary to secure the safety of yourself, and home. Several points should be kept in mind while conducting a home security review. Security needs should be a first consideration.

While it may be obvious that you should be the best judge of security requirements, a security expert has the experience to evaluate your home for vulnerabilities that are not obvious to a layperson. After a full examination of your home, a security specialist will be able to make note of all soft spots, and suggest the kind of equipment necessary to strengthen these soft spots. The next consideration is security monitoring. Security monitoring can be a sophisticated central monitoring service, or a simple home security system, cost and needs are the determining factors. The central monitoring services are ideal because they ensure that appropriate measures are taken whenever an intrusion is detected. A monitoring team that works from a central station verifies every suspicious activity the moment it receives an alert. While an ideal deterrent, this type of monitoring is relatively expensive, and subject to the experience and professionalism of the company. You must find out if the central monitoring station is certified by Underwriters Laboratory; that it has a power back up system that can run for 10 to 15 hours; that it is run by trained staff; that it alerts local authorities within seconds of receiving a security alert. Less costly is a simple home security system consisting of a control panel, a couple of magnetic switches, a motion sensor or two, and an alarm device.

This can be hard wired or wireless. The more advanced systems feature a video camera that can be monitored by family members. The biggest advantage of this system is that it scares away potential intruders. This may happen when an intruder sees a yard sign, a decal sign or any of the installed sensors or video cameras. There is a one-time installation charge, with no recurring expenses.

While there are no guarantees, any home security system could scare away potential intruders. Any type of prevention will go along way to reduce the likelihood of a break in, or home assault by a stranger. Remember, the main objective of any home security system is to provide a safe environment for family members, and to limit the loss of property.



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The quickest way i know to secure your pc safety in 7 easy steps

Can You Prevent Spyware, Worms, Trojans, Viruses, ... To Work When You Switch Your Pc On ? I Can And I Do It On A Pro-active Basis. Surfing Means More And More To Stay Invisible, To Be Clean From The Inside And To Prevent Installment Of Malicious Software (So Preventing Unwanted Communication From Inside To Outside And From Outside To Inside). How do you stay invisible while surfing? Of course by installing a firewall. How do I get one free? That's the easy point. You like to stay invisible.

But are you? And how do you know? You could do a test from someone out there trying to get in. But who can you trust? Suppose you are doing a test. Do you obtain objective and reliable information about your PC-vulnerability (for free)? Now even if you stay invisible, you will visit websites leaving cookies in your PC and you will download software. By doing so you will get spyware, viruses, ... How can you detect them and delete them? That's also the easy point: you have to install an anti-virus program and anti-spyware programs.

Research on the internet makes it clear that you need 2 anti-spyware programs. Why 2? Because a great fish may be caught by the net but a small fish can swim through the holes. Using 2 makes the holes smaller. What are those 2 free programs you have to download? Can you prevent spyware to install on your PC? Maybe, maybe not. There is one free software that might prevent it (but not with 100% guarantee). And even then you need an additional freeware program to prevent a piranha to install itself on your PC (just enabling itself to start up whenever you switch your PC on). This freeware program is overlooked by many and gives you an additional feeling of relief and security. It gives you also a hint whether some new downloaded software is good or bad (and thus giving you the chance to delete it anyway before it becomes too malicious).

Now you owe it to yourself to maximize the safety of your PC for surfing. You need a firewall, an anti-virus software, 2 anti-spyware programs, one spyware preventing program, a trusty guard preventing installment in your startup files and even 3 musketeers. And last but not least do a safe test to get an objective idea about the vulnerability of your PC. Everything is free. It only needs your attention. So look after the fully simple and logical steps in: http://startwithoutadime. blogspot. com/2005/02/first-things-first-pc-safety_13.html http://startwithoutadime. blogspot. com/2005/02/first-things-first-pc-safety-ii. html After all, preventing a disease is better than curing it !!



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Microsoft navision integration with microsoft rms overview for it specialist

Microsoft Business Solutions Navision serves both European and American megamarkets. It was originally written by Denmark-based Navision Software in its own proprietary language C/SIDE (Client/Server Integrated Development Environment). Currently Navision is supported on two platforms - Navision native (C/SIDE) database and on Microsoft SQL Server. In this small article we would like to give you the clue on Navision integration with Microsoft Retail Management System - Microsoft RMS. Legendary Strength of C/SIDE database - the history of Navision design reveals the primary goals to have its own proprietary database with the built-in features of database transaction integrity. As far as database is proprietary - Navision can manipulate its and tune it to serve its application. You can have users use the system heavily and suddenly shut down the power - when power is back on - Navision will be in the same good shap. The second goal was to provide robust graphical interface. Microsoft RMS is SQL based application - this means that even C/ODBC is limited - Microsoft RMS is using alien database platform and we do not recommend you to use MS SQL linked server to address Navision native database. The good news is - you can deploy our custom integration tool, which imports transactions from MS RMS to native Navision Database. If you use MS SQL Server as Navision platform? - then you are open for all Microsoft SQL Server tools, such as linked server and distributed query. You can deploy your own programmers to move data from RMS to Navision via Transact SQL scripts/stored procs Additional things t consider: Do you plan on Crystal Reports? - you can always deploy C/ODBC to enable your C/SIDE database for Crystal Report Do you need OLAP/Datawarehousing? - if you use MS SQL Server - you are positioned better. It has built in Analytical Server with OLAP cube creation and Excel data pivoting Do you plan to expose Navision data to other applications? - Navision has tools to expose the data from C/SIDE database (C/ODBC, C/FRONT), but in the case of SQL Server you certainly have standard Microsoft technologies in your disposition Good luck in integration and if you have issues or concerns – we are here to help! If you want us to do the job - give us a call 1-866-528-0577! help@albaspectrum. com



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More secure password

The hacking incident that happend on March 8, 2004 in my previous websites: The Way To Know Sueboy (geocities. com/slaplana) and Pasugo-Online (pasugo-online. com) by Rovick “Solismo” Balunsay (ADD_Rovhick), an Ang Dating Daan and ADD-CIT member, has brought me to find ways in making my password more secure. The following are the things that should be considered when creating a password: 1.) A password shouldn’t be related to you as a user, like names, birthday, hometown, pet’s name or anything that is obviously related to you. You friend or someone who knew you can possibly try to steal your password by using those things. 2.) Don’t use simple terms found in dictionaries as password because some hackers do use script in guessing your passwords using those temrs. 3.) Dont’t use sequential numbers too. 4.) Longer passwords are better than shorter ones. 5.) Combination of number and word terms are more secured than using number or word terms alone. But the combination of number and word terms with special characters is far more secured than those mentioned above. The example of this are “m0nd@y” (Monday) and “$0u1$$@1v@710n” (SoulsSalvation).



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What you need to know about ezine advertising

By far the most effective and cost-effective way of advertising, especially for a new business is ezine advertising. It has 4 distinct advantages… a. It's easy to reach targeted prospects b. It gives results fast. Typically, you should see results within 72 hours after your ad is published. c. It's easy to test your ad effectiveness d. It's easy to calculate your Return on Investment (ROI) Most direct mail companies charge several hundred dollars per thousand mailing, whereas ezine advertising costs anywhere from five ten dollars to fifty dollars per thousand. This is definitely much more cost-effective compare to advertising in magazines. Although it is generally true that response rates to ads is better with higher subscriber count, there are exceptions where smaller subscriber lists yield higher returns. Because these subscribers are 100 percent opt-ins. Also these ezines in mention are highly informative and don't have too many ads per publication. The chances of your ads being read are very high. The click through rates will be good if your ads are relevant to the ezine content. 3 types of Ezine Ads There are basically 3 types of Ezine ads namely, Classified ads, Sponsor ads and Solo Ads. 1.Classified ads – This is the cheapest form of ezine advertising. Some publications offer free ads in exchange for your subscription. The ads are grouped in the middle or end of the publication. 2.Sponsor Ads – The ads are placed at the top of the publication. They cost more than classified ads but more effective than classified ads. 3.Solo Ads – These are mailed out separately from the main ezine. This is the most effective of the three types of ezine ads but also commands a premium. Quick Guide to Ezine Advertising 1.Before you placed your ads, check out the quality of the prospective publication. Select three good ezines and subscribe to them. From the publications you would know what kind of audience these ezines are targeting, the content, and the number of ads per publication, which are crucial to your advertising campaign. Pay close attention to the ads that run in each issue. If you see the same ad on a regular basis, chances are the ad is profitable for the advertiser. It is common sense that advertisers will continue to advertise in an ezine only if it is profitable. If someone else is already promoting a similar product like yours in a particular ezine, give it a miss. It makes no sense to have two advertisers competing in one ezine. In any case, the publisher may not permit similar products. 2.Keep your ads short. Normally, the publisher will allow 5 to 7 lines of text with a maximum of 65 characters per line. Don't sell your product or service in your ads. Generate interest and leads. 3.Write compelling headlines to draw readers. 4.Use your ads to direct prospects to your landing page, which may be a sales copy, course sign-up or ezine subscription. 5.Track response to your ads. This is crucial. Or you will have no idea if it is profitable to run the same ad again. In order to test the effectiveness of your ad, it is advisable that you run the same ad in at least 3 ezines. If you run your ad in only one ezine, and should campaign flop, you will not know whether the problem lies in your ad or ezine. Due to recent popularity of ezine publishing, and depending on the publication, the lead-time can take anywhere from a few weeks to months. Factor in the lead-time if you have a time sensitive offer. Test your ads with low-subscription ezine that don't have a long waiting list. You don't want to wait in line for a few months just to test out your ad, and imagine if it turned out to be a bummer. Advertise with low-cost, low subscription count ezines for a start. Until you have a proven winner, keep to low-cost, low-subscription ezines.



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A woman s new best friend

Imagine walking into a restaurant and having all eyes on you. Like most women, I love attention, but recently I got more attention and compliments than I knew how to handle. During a casual dinner with friends, my sparkling white gold two-carat Moissanite earrings stole the show. One dinner companion whispered, "Those are the most beautiful diamond earrings I've ever seen." I explained they weren't diamonds but a new jewel: Moissanite. Before I knew it, I was the talk of the table. People had questions and comments like "What is Moissanite?" "They're so brilliant, they must have cost a fortune!" "Are they rare?" and "I have to have them." Well ladies, if you want to know my secret, read on. Moissanite is giving women the opportunity to own quality, eye-catching jewelry at affordable prices. What is the story behind this jewel? In 1893, Dr. Henri Moissan, a Nobel Prize-winning scientist began studying fragments of a 50,000-year-old meteorite. In these fragments, Moissan believed he discovered diamonds from space possessing superior fire and brilliance. After extensive research, it was concluded that Moissan discovered a new mineral. In 1905, it was named Moissanite in his honor. During the late 1980s, inspired by Moissan's discovery and by the fact that natural Moissanite is incredibly rare, Charles & Colvard (Nasdaq: CTHR) developed a proprietary process for producing large crystals of Moissanite. By 1995, Charles & Colvard were the sole source for Moissanite jewels, possessing two worldwide patents. "Moissanite's superior diamond-like appearance is incredible," said Nat Hyman, president of Landau, the nation's largest accessory boutique with more than 70 stores. "The customer is getting so much more for the money." "But once they leave the store, are they going to tell even their best friends?" asked Nick Baxevane, also of Landau. "Moissanite looks like what a beautiful diamond should look like, so what they tell their friends is their decision. They can have the million dollar look without the million dollar price tag." Moissanite is available at Landau nationwide in upscale malls, hotels, casinos and airports.



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