Before starting a business

For some people the idea of starting a business sounds like the worst idea in the world. They would rather work all the years of their life for someone else than even consider having a business of their own. For others, however, there is nothing more exciting than the thought of starting a business. Many people dream of starting a business from the time they are young. These people love the idea of being creative and of selling products they believe in. They love the idea of convincing others to love the same things they love and they usually like the idea of working with money. Starting a business of their own sounds like the ideal way to spend years of their life. If you're one of these crazy people that dream of one day starting a business, you can begin the process by taking the time to ask yourself some important questions that will give you more understanding and direction of how to proceed. First, if you're considering starting a business, try to brainstorm the kind of business that you would want to start. Do you dream of selling books or of having coffee shop, or is the idea of selling sporting equipment more your style? You see, you can have a business for just about anything, so it is important to narrow your ideas into a couple of focused ideas for starting a business. It is usually true that starting a business will go better if your business is focused on something that you love.

Without passion you will not get very far with your dreams. You should be a combination of realistic and idealistic when you're making plans for starting a business. You have to have a real understanding of factors like money, time, and resources for your business, but you will never have the business you dream of if you wait until you have all of the details figured out. So allow yourself to get pretty detailed in your ideas for starting a business. Write out parts of starting a business that seem easy and possible and write out parts of starting a business that seem hard or like they could never happen. Another important thing to do before you rush off in starting a business is to sit down with current business owners and learn everything they can teach you. Their years of trial and error will be invaluable to you as you seek to begin the process of starting a business yourself.

Many have gone before you, so utilize their resources and be a learner. Take steps of planning and preparation and your dream of starting a business can become a reality quicker than you'd expect.



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Knowledge is business

“Knowledge is the business fully as much as customer is the business. Physical goods or services are only the vehicle for the exchange of customer purchasing power against business knowledge”. Above statement was made by Peter F. Drucker, a prominent Management and marketing guru. Any economic result is the result of differentiation. What is that niche you posses that make you hot property in any market. It comes from knowledge.

Knowledge is held by organization people. One day all labour can be automated by machines. But knowledge specifically is a human asset. If you have knowledgeable people you can target the sky. Books are more collection of information. Internet is one of the best medium for generating information on particular subject. But information is not a business. Knowledge itself is not a business when used inside. When it do not produce value to the holder of knowledge, it is useless. It becomes business when applied outside of a business, to the customer, market and end-uses.

Mittal steel is king of steel market today. It posses a peculiar knowledge of converting non - performing public business and factory into highly profitable steel producing entity. It has done this numerous times Laxmi Mittal, Chairman and managing director, and his people do not change much in the plants. According to Aditya Mittal, CFO, and son of Laxmi Mittal, they apply their knowledge and past experience to turn thing around, Mittal steel turned their early acquisition around in 18 months. But now they have refined their knowledge and make any plant they capture profit producer within 6 months.

That’s where I say business is knowledge and knowledge is business. Looking at GE, they have an uncanny ability to mark a new opportunity and jump into it in a big way. GE is one of the leader and rare gem in America to dominate the whole 20th century. None have done that. They posses best of best talent in the market.

But still there is no example of a business which they have acquired and which is the leader in its market. They messed up with RCA, and their finance acquisition. Yet they are king with GE capital, a blue eye child of GE. So what make an organization successful in a specific area, while a distant runner in other area? Assets and money could be acquired but it is the knowledge which turns that asset into real business. That why an old edge say. Give me 10 knowledgeable people and I will conquer the world.



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Glide into tax season with solid financial planning

(ARA) - With good planning, you can start the year off right by making sure you and your family are financially fit and ready for the new year, and possibly reduce your tax bill. Here is a financial checklist to consider: Tap into the Power of Tax-Deferral If you are thinking of investing in mutual funds for long-term or retirement savings, purchase a variable annuity. You've got the 1099 forms for 2000 already from any mutual funds you own. If you have a tax bill this year, you'll likely wait until April 15 to pay it, to give the money extra time to work for you. What if you had the option to wait 10 or 20 years to pay? That's tax-deferral. You control when you pay taxes on your money so you can get the maximum mileage out of your investment earnings. Variable annuities provide tax-deferred investments -- you pay no taxes on the earnings until you actually withdraw the money, and you receive no tax assessment during the accumulation phase. You can also move money between the funds within your annuity without incurring taxes, and you can invest in VAs at any time without negative tax consequences. Many mutual funds pay taxable dividends and you will be taxed on any gains from stocks or funds sold during the year. Keep in mind that variable annuities typically carry mortality and expense charges, administrative fees, and deferred sales charges that can reduce tax-deferred performance. Withdrawals of the tax-deferred earnings are taxed as ordinary income, and surrender charges may apply, in addition to a 10 percent tax penalty for withdrawals before age 59 1/2. Protection for You and Your Family Review your insurance and savings plans, including homeowners, auto, life, health and disability insurance, retirement plans and investments to make sure you have done everything necessary to prepare for the future. Insurance protects against unforeseen events, such as storms, accidents, disability, illness or death. Check Your Reimbursable Medical and Child Care Accounts If, by year-end, you haven't used all the dollars in a pre-tax medical or child care spending account, you could forfeit all the money remaining. Near year-end, if you have money remaining, you may want to schedule an eye, dental or physical exam, or stock up on prescriptions. Put Your Bonus in Your Employer-Sponsored Pension Plan If you haven't maxed out on your pre-tax contribution allowable (usually $10,500 per year for 401(k) plans), ask if you can put part, or all, of your bonus into that account. Maxed Out on Your Employer-Sponsored Pension or IRA? Consider a variable annuity. Only annuities can provide guaranteed income for life upon retirement, and many variable annuities offer flexibility and a wide choice of investment options, ranging from guaranteed interest accounts to aggressive investment underlying funds. Guarantees are subject to the claims-paying ability of the issuing insurance company, so be careful to choose an insurer with a solid financial history. Consider Giving Away Some of Your Money A charitable contribution, such as to your church, alma mater or other worthy cause, can be tax deductible. You can also give away as much as $10,000 annually to as many people as you'd like without incurring the federal gift tax ($20,000 per couple). Consult a Financial Planner If financial planning is important to you, it may be worth your while to consult a financial planner to discuss strategies for saving taxes, maximizing your investments, and making sure you cover as many contingencies as possible. Using a checklist will help you achieve your goals of deferring income, accelerating deductions and taking advantage of tax credits. Smart planning involves more than just reviewing the past year -- it means looking ahead to the next year as well.



Online Glide into tax season with solid financial planning

Surviving in corporate amercia part 1 email

There is a saying that goes, “The best offense is a great defense”. Nowhere is that applied better in the corporate world than in the intelligent use of email. In this age of technology, E-mail is a multi-purpose tool that can be adapted into each user’s organizational patterns. Firstly, we will get the basic do’s and don’ts out of the way. Do not use your work address when filling out forms on external sites. This can bring large amounts of SPAM that may alert your IT department into watching your activities more closely. Free Internet based mail, such as Hotmail, are your best options. Do not transmit any questionable material to co-workers. Especially in large companies where you may have more than one John Smith working, sending of any sexually explicit, or offensive materials to the wrong person can get you fired. And do not forget, Big Brother is always watching. Software development have reach the point where IT developments can scan your emails for keywords, and view the message themselves. Never send out an email in anger. The written word is a powerful thing. Angry mail can set off a flurry of responses, with expanding distribution lists. If you were wrong, even one point on your multiple point attack, the entire content will be subject to criticism. If you were right, everyone on that list, and all who have heard about it, will be apprehensive about you at some point in the future. Those basic examples are known to most, but followed by few. Do not give your company an advantage over you, especially one that could have been avoided so easily. Companies undergo constant evolution, via acquisitions, downsizing, shifting focus. You never know who you are going to report to, or which company you may end of working for. The rules described here, both basic and advanced, should be applied at all times, including relationships with your Vendors. Either through a mutual project, or merger, you may find yourself working with someone you used to sit on opposites sides against. Working on how best to protect yourself is aided with email, so take the time to learn how to use your email system to its fullest extent. Here are some for advanced tips to follow: Step 1 Organize your local folders into detailed categories. How you choose to do so, it dependant on both the individual, on the position they have. If you manage staff, you will want it broken down into names, and years. If you work primarily on projects, then you will want different project names and products. Just try not to have more than 1 sub-folder. Files get lost if you have to try and look too deep. Step 2 Sectionalize all your email into those folders. If a particular email needs to be followed up, then set a flag to remind you. Best to set your flags at least one - two days prior, so it doesn’t take you by surprise. Step 3 If your local inbox is clogging up your computer, save all your files to CD, portable devices, or some other storage facility. You may have to contact your IT department for more details. Make sure you properly identify each stored containment unit for easy information retrieval. With this on-going 3-step system, you will be able to better protect yourself against the day-to-day issues that happen in the corporate world. Here are some examples of how you can use email to your advantage: Confirm everything in writing. Some managers refuse to send you details of their requests in writing. They will speak to you about it and expect you to take notes or remember. However, if something goes wrong as a direct result of implementing their order, most managers will not accept responsibility. I have been witness to this more times than I care to remember. To combat this, I developed the perfect defense mechanism. I would document the request, the deliverables, and the actions to be taken as directed by my boss, and send it back to them in writing. I would NOT ask for a reply, nor would I copy others unless they were involved at the same level with me (team directive). It was enough that we both knew I could protect myself. This non-verbal action also allowed the work relationship to continue amicably. Keep everything. Sent folders, company mail, attachments, presentations, even your deleted mail. In doing so, you will be able to confront any mis-information directed towards you. All email applications have a search filter that you can use to easily find what you are looking for. You may have to parse through hundreds of emails by the same person, but it would be worth it. Some aggressive emails must first be responded to in person. There are individuals who like to pretend they are Napoleon in emails, but when you meet them, they are just short. Napoleonic characters are themselves intimidated when forced to verbalize their issues. Once the issue is settled, only then do a reply all that starts with the words, “As we discussed…” Never engage in written volleys. If people start to be added to the distribution list, cut the next response short. Emails should never be a substitute for discussion. The moment you say this beginning to happen, you should send out your next email with “ In order to find a resolution, can we set up a bridge to discuss further”. You can also just call the person directly, although it should be done in the same tone. In the event that you must respond, to what can only be considered an attack, via email, then take the time to find an objective 3rd party to read through it. It is important that you do not leave any holes or gaps in your arguments. You must remove all emotion from your text, and concentrate on basic facts. More importantly, the tone should always focus on resolution of the problem, and on the solution for what is being attacked. Executives are always looking for people that can remain objective, and who do not point fingers. The written word can serve as your best example of maintaining those qualities. In the event that an issue gets escalated to the execute level, you do not want them looking at you as a hothead, or a bulldog.



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How much do you need to earn per hour to achieve your yearly financial goals

Have you ever asked yourself what your highest income producing activity is? If you’re like most people you probably go about your day-to-day business never really thinking about the moment to moment activities that consume your day. I’d like to walk you through an exercise that has helped me and my clients really stay focused on earning their highest possible revenue per hour. Let’s assume that we each start with 365 days in a year. If we take away the following: Weekends - 104 days 5 major USA holidays 2 weeks of vacation Personal religious holidays – (average 3) That leaves each one of us with approximately 238 days in order to earn the income we desire. Of course we can add or delete days based on our own schedule and desires. If you multiply these 238 days times an average of 10 working hours per day, you are dealing with 2,380 hours of real work time for the year. So let’s do some math. If your yearly income goals are as follows… $25k = you must be earning an average of $10.50 every hour of work $50K = $21 per hour $100k = $42 per hour $250k = $105 per hour $1 M = $420 per hour $5 M = $2100 per hour $10 M = $4200 per hour In order to earn the income per year that you really want, you absolutely must be doing activities every hour that line up with this chart. If you catch yourself doing anything that isn’t your absolute highest producing income activity all the time, you are in effect making it much harder to achieve your desired financial goals. In other words: Which activity or activities generate your highest producing income? Consider these: 1. What are you spending your time doing? 2. Are you focused on the real moneymakers or the real time wasters? 3. Are you making it easy for yourself to be a high-income earner or are you doing the things that can be done by someone whose income goal or ability is less than yours? When you start to look at each hour this way, you’ll stop doing the small stuff and you’ll start doing the real high producing stuff that yields results. Just look at your most recent 3-5 days and count the number of hours you spent really making the big bucks vs all the stuff that creeps up on all of us. What you discover will amaze you! -- You have permission to publish this article electronically or in print, free of charge, as long as the bylines are included. A courtesy copy of your publication would be appreciated - send to: John@TheStreetKid. com



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How to accept credit card sales

No matter how long you’ve been in business, you may not be sure about how to accept credit card sales from your clients. Perhaps you long to start processing credit payments so you can increase the amount of your sales revenue or offer your clients more payment transactions. Maybe you’re just tired of chasing bad checks or waiting for monthly payments on client accounts. If you’re ready to add credit card processing to your line of customer services, a merchant services account may be just what you need. A merchant account associate can show you how to accept credit card sales by using the right type of processing equipment. By signing up for a merchant account, you will soon find out if you’re approved, and upon approval, you can start using your account to implement a credit processing system for just about any type of business you’re in. A simple credit card terminal equipped with a printer can be plugged into an outlet at your store or shop to let your customers quickly swipe credit cards for easy payments on the purchases they make. Your merchant account underwriter will charge a certain amount for each transaction, or you might be able to opt for a low percentage rate on your monthly credit payment volume. If you’re in a window washing or another service business, or if you deliver items like baked goodies, you can lease or buy a wireless credit card processor to take with you in your travels for point-of-sale credit card payments.

How soon can a merchant account let you know how to accept credit card sales? The first thing to do is find a bank or another financial backer who will provide this type of account for your business. Then apply for your company account by filling out an online application or by completing and mailing a printed form. Some banks may charge an application fee of $100 or more, so find out ahead of time if you will need to pay this fee, and if so, you might want to consider shopping for another account provider. Also check into the costs associated with a particular merchant account so you can find the best deal, as these can carry several types of fees, some of which may at first appear to be hidden. When your account is approved, you can immediately get set up with the right equipment to handle credit card payments, e-checks, and debit payments as well.

You may even want to consider setting up a digital processing system so your customers can dial a toll-free number, browse products online or from a print catalogue they have already received, and punch in their orders as well as a credit card number and expiration date for payment. You don’t even have to hire someone to staff the phone line, although it is probably a good idea to have someone available for a few hours during a typical business day. Ask your bank or another financial lender to tell you more about the ways in which a merchant account can show you how to accept credit card sales.



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The ipod shuffle

It is the time to mix things up! The unpredictable new iPod is here. Maybe it can read your mind? What will it play next? Can it read your moods? Load it up - put it on. See where it will take you. You will be able to choose from pocket size 512MB or 1G models that start at $99. - Surprise yourself! Random is the order of this iPod-- The iPod Shuffle Songs setting takes you on a unique journey through your music collection. You’ll never know what is around the next tune. Welcome to a life less orderly--iPod shuffle shuns routine by serving up your favorite songs in a new order every time you listen. You can just plug iPod shuffle into your computer's USB port and let iTunes auto fill it with up to 240 songs and get a different experience with each connection. The trail you run daily looks and sounds different with an iPod shuffle. That daily traffic jam even seems enjoyable when you are listening and not knowing what song will come on next. Love it - Lose control



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Online casinos list of the most graphic

Online casinos are plenty and they differ when it comes to the amount of games, customer service, free cash they hand out and many other features that pertain to the legally binding contract between the player and the casino. But there are other features that are usually ignored by those reviewing the many online casinos available online, and it is precisely one of these features: the graphic quality of the site, that we have examined. Want to play online games and have a great time? Play at these graphically enhanced online casinos: 1) Golden Casino Offering new casino software and a bonus of 555 dollars would be enough to want me to play there, but once I downloaded the game system, I gasped. The layout of their hall reminds me of that of Caesars Palace, and once, you start playing (with life-like images) you fell as if you were standing in a real casino! And, as if that was not enough, the tables are covered with a lace-like surface that increases the casino ambience and takes it to another level completely. In addition, Golden Casino is loosely affiliated with some of the top names in the casino industry today such as Golden Palace and others. 2) Crystal Palace Striking because of its blue contours and curves, Crystal Palace not only offers a graphic display that reminds you of a desert oasis or a car rally, but it also uses a correct and colourful combination of colours in order to create the total graphic experience. It is not enough that their games are fast, flash-oriented and versatile, each one can be played using different graphic displays and settings thus boggling the mind with peace that helps you concentrate solely on the game you are playing. They are one of the major slot machine initiators, and their slots are perfectly matched between a light and slot experience. 3) Club USA Casino Appearing at first hazy and blurry with a tinge of dark green, you will not even hope for what comes next. Once you download the games, sign up and login, please keep your mouth closed. They give you seven hundred dollars for the chance of floating through casino space. In addition, their graphic display is set up in such a way that each block supersedes the one that came before it, thus, creating a window-like graphic view where each object stands out more than the one behind it. 4) Royal Vegas Casino Vegas online has come alive. Yes. That is what you feel when you start playing through this online casino. The lights are real, the machines too and if that was not enough, the graphics are unbelievably custom-made for those who have been to Las Vegas. The strip is just as it would appear if you were standing at the corner. 5) Roxy Palace Designed to copy the feel of a casino entrance with its huge amount of lights and neons, Roxy Palace takes another step forward when it comes to the graphic game display that they offer. Each game has a different ambience, and the graphics are so clear and well-defined that you can even make out the writing on the billboards. Conclusion: When I want to play at online casinos I look out for those online casinos that offer a high graphic interface. And each of the above online casinos are graphically designed to ensure you enjoy a great online casinos experience. Pick one of them and enjoy your online gaming experience.



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What's that file

What's That File? An Introduction to File Extensions In an effort to be "user-friendly," Windows (and perhaps some other operating systems) hides the most important part of a file name from new computer users: the extension. Okay - we're assuming that the reasoning behind hiding extensions is a "user-friendly" one because we just can't come up with any other reason for hiding them. No harm could ever come from seeing an extension, but plenty could be learned from it. Fortunately you have this article to guide you through some of the most common extensions that you'll run into. But before you can see file extensions, you need to turn them on. From Windows Explorer, click on the "Tools" menu, and select "File Options." Click the "View" tab and then uncheck the box next to "Hide file extensions for known file types." Click "OK" and you'll notice that the files in Windows Explorer show a dot and group of three letters after their names. That dot and group of three letters is known as an "extension," and the extension explains what kind of file it is. A file could be a plain text file, an image, a sound, a video, or program. But without seeing the extension, you wouldn't know it unless you double-clicked on it. The following list defines some of the most common extensions that you'll find on your computer. .au - This extension indicates a sound file. Most sound players will load up and play this kind of file. .art - This extension indicates an image file that was compressed with AOL (America Online) technology. Both Internet Explorer and the AOL service software can display this kind of file, however if you don't have AOL installed on your system, Internet Explorer will display it. .avi - This extension indicates a video file playable by most multimedia viewers including Microsoft's Media Player. .bmp - This extension indicates another image file that might have originated from Windows Paint program. .dll - This extension indicates a Dynamic Link Library which may contain additional programming code for software. Many different programs often share Dynamic Link Libraries and you'll find a bunch of them in the Windows/System directory (but don't ever delete them)! .exe - This extension indicates a program or an application like Microsoft Word, Internet Explorer, or Outlook Express. Use extreme caution when downloading. exe files from the Internet since malicious programmers like to hide viruses in these types of files. .gif - This extension indicates another image file and it stands for "Graphics Interchange Format.".Gif files are often smaller than. bmp files (described earlier) and they're commonly found on Internet web pages. .jpg - This extension indicates yet another image file and it stands for "Joint Photographers Experts Group." Like the. gif file, it's commonly found on Internet web pages, however it's much smaller than both the. gif image and the. bmp image. .mid - This extension indicates a sound file created with a Musical Instrument Digital Interface. Windows Media Player will open and run these files, however they don't sound like normal. wav or. mp3 files (described later)..Mid files are designed to product synthetic sounds using a computer's sound card. .mp3 - This extension indicates a sound file that authentically reproduces voice and/or music. Windows Media Player will open and run this kind of file. .scr - This extension indicates a screen saver file. .sit - This extension indicates a Macintosh archive StuffIt file. They will not open on a Windows system without a special utility. .ttf - This extension indicates a font especially designed for use on a Windows system. It stands for "True Type Font." .txt - This extension indicates a plain text file that can be opened with Notepad. .wav - This extension indicates a sound file that like the. mp3 file, can be opened with Windows Media Player or Windows Sound Recorder..Wav files are much larger than. mp3 files. .zip - This extension indicates a Windows archive WinZip file. They will not open on a Macintosh system without a special utility. Word count 677



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What should i tell my date about me

Good question? When you first start dating it’s important to tell the person you’re dating important information about yourself before you get too deep into the relationship. You say, well isn’t my name, occupation, hobbies, address and telephone number enough? No, not if you’re withholding information from the other person you’re dating. The information you need to tell your date may be important to that person in deciding whether or not they want to remain in a relationship with you. It’s best to let them know about you right from the start! You don’t want this to become a problem for you later on down the line. If the person you’re dating chooses not to continue dating you, then move on to someone else that will deal with you the way you are in a relationship with them. That way, you’ll both be happier. So, you want to know what types of things you should let your date know about you, here are some tips and information that may assist you with this: 1) Let your date know that you have children. Most people don’t have a problem with their date having children. You may find in most cases that your date may have kids themselves and may not be sure how to approach this subject as well. So why not tell your date! It’s good to let your date know early on if you have kids. There are some people that don’t want to date someone that has kids. If this is the case with your date, then they’ve found out early from you, that you have kids and you can both move on to someone else. Go ahead, get if off your chest, you’ll feel good that you did! 2) Let your date know if you have a criminal record. Yes, your date should know if you’ve spent time in jail for a crime you’ve committed. You say you’ve done your time, why does my date need to know this information? They need to know because, this may come out in the relationship at a later time when you least expect it, especially if you’re on probation! How would you explain to someone you’re dating that you need to meet with your parole officer after your date just happened to take a phone message from your probation officer while you were busy in your kitchen cooking a romantic dinner for the both of you. Oops! See how awkward that would be for you! Be up front, let your date know about your criminal history if you have one. 3) If you’ve got bad credit let your date know about your credit history. If you’ve been dating for awhile and you’re getting serious about each other, let your date know that your credit isn’t good. This will eliminate surprises for you and your date if you decide that you want a long term relationship. Your date will know that your credit is not so perfect. 4) Tell your date if you’re unable to have children or just don’t want to have any kids. Let your date know about this early on when you start dating! If your date wants children, they will have a choice to exit the relationship with you early on. You will also have the same opportunity, because you would have found out that your date wanted children and you do not. 5) Tell your date about any health problems that you may have that would affect your relationship. It’s important that you reveal to the person you’re dating any health problems you have so they can decide early on if they will be able to handle this as part of your relationship. If they can’t, then move on to someone else who does not have a problem with this. Remember, there’s always other fish in the sea that will accept you for who you are! 6) Anything else you believe is important for your date to know about you before you get too deep into your relationship! By providing your date with important information about you, this gives them a choice to determine whether or not they’ll continue dating you. More important, you’re being honest in the relationship. In addition, it shows that not only do you respect yourself, you take responsibility by being forthright with respecting others rights to make their own choice about whether or not they want to be with you in a long term relationship!



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Monday the day

The day of Monday is either considered the first or second day of the week. It comes after Sunday and before Tuesday. The name "Monday" comes from Mani, who is the Germanic Moon god. Monday is often considered to be the first day of the week. It is considered as this in most of Europe, Australia, parts of Africa, and South America. ISO 8601, the international standard, also defines Monday as the first day of the week. The traditional view held by Canada and the United States, have Monday as the second day of the week. In modern culture Monday is usually looks at being the beginning of a work week. This is because it is usually on Monday when adults go back to work and children go back to school after a "weekend" (Saturday & Sunday) In America Monday is never viewed as being a good day, as it means going back to the daily grind of another work week. A typical work week in North America is 40 hours long. That 40 hours is eight hours over five days, with normal office hours being between 9am-5pm. Because of this image as being the worst day of the week Monday's are often made the enemies of several jokes, and comments. An example of this is Garfield, a comic strip cat, who constantly is at war with Monday. Alot of companies try to cash in on this image, and give people something to look forward to on Monday's. Who has heard of "http:// mondayspot. com/monday-night-football_1.html - Monday Night Football", or "Monday Club"? Monday is home to several important dates throughout past and present history. Dates such as Easter Monday (hard to get that one wrong), and Black Monday, Blue Monday, Easter Monday, First Monday, Handsel Monday, Manic Monday, Miracle Monday, Plough Monday, Wet Monday, Whit Monday.



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The gambler s tavern

Gambling has been around since the dawn of mankind and it will probably outlive any and all of its detractors whether politically or morally. It does not matter if you are for or against gambling, we can all say that it was part of our history and it will be part of our future. Today’s advanced technology has allowed gambling to reach an even wider audience that transcends nationality and race. Online gambling isn’t new and its popularity is only growing stronger with each new recruit that it welcomes to its fold. Maybe you are into gambling because of its recreational value or for it’s more serious and destructive characteristic, money. Most are into these games because of the somewhat controlled risk involved. Combined with the rush that people feel, the experience will be bringing an emotional high tantamount of those derived from drugs. If you are new to online gambling, by all means, tread carefully.

Taking care not to lose all your money online is not enough. There’s always a chance that your urge to say “just one more” will get the better of you. It’s not far fetched to say that this would lead to pathologic gambling, a condition we’re only all too familiar with, thanks to movies about gambling. Therefore, creating a system in the way you gamble would most certainly help. This is not just for seasoned gamblers since your goal, other than to win some money, is not to lose your existing stash needlessly. Online gambling portals helps in more areas about gambling than just how to play the various games available.

This tavern of sorts will have basic information like legalities on gambling and the like. Nothing beats having an expert guide to almost anything about gambling. Tips about online casinos, their reputation, how fast they give payouts and a lot more are often found in these portals thereby essentially directing you to good and legal online casinos. Other tips that involve gambling like playing smartly and more effectively than just unwittingly throwing your money around. Basically, these portals will help tip the scales of lady luck into your favor and believe me, you’ll need all the help you can get. Let us not forget that same as in physical casinos, the games are designed and made to be in favor of the casinos. The chance for you to win is certainly there, only, it’s a slim chance.

To be sure, charlatans and dishonest casinos exist out there. Some even go as far as to blatantly point unsuspecting gamblers to play and ultimately lose to their sites. Fortunately, the use of portals is on the rise thereby curbing operations of illegitimate casinos. The relationship between the portals and the shady sites would have to do with the gambling portal’s relevant and up to date information about known deceitful sites. Do not be a victim.

Visit the portals and take the time to look at updates other relevant news. If you are a novice, spend more time reading F. A.Q’s and special segments for beginners that are available in some portals.



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The power of your core and the golf swing

The golf swing relies upon core strength, endurance and proper engagement in seeking elements of stabilization, control and coordination. Core conditioning is very important for a golfer because all movements in your entire body stem from the strength in this area. Wherever you find a weak core, you find a major source of energy leaks in the golf swing. The core is where the body's center of gravity is located and where force production begins. Most people have a very weak core, and as a result, chronic posture problems. Over time, this creates wear and tear on the body. A golfer with a weak core is vulnerable to injury and struggles with efficiency in their swing. How strong is your core for golf? Let’s find out. Try this core test. •Lie on your back with your knees bent. •Place one hand underneath your lower back, then extend your knees to 90 degrees. •Press the lower back firmly against your hand. •Slowly lower your feet towards the ground by keeping the same tension on your hand. Which one of the following best describes what happened when you performed the exercises above: (A) Your lower back lifted and you could no longer feel any pressure on your hand. (B) Your lower back lifted and you could feel some pressure on your hand. (C) You were able to keep the same pressure on your hand throughout the movement. If you answered (C), congratulations! You are well on your way to developing the core strength you need for better golf. If you answered (A) or (B), start with some basic exercises on engaging the core region of your body.



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Gall bladder and back pain

The gall bladder back pain is usually caused due to the inflammation or improper functioning of gall bladder, which is a small pear-shaped organ on the underside of the liver, in the right upper quadrant of the abdomen. Its main function is to collect and store bile, which is used by the body to digest fats. Bile is made in the liver cells (hepatocytes) and consists of water, electrolytes, bile acids, phospholipids and bilirubin. It assists in the absorption of fat-soluble vitamins, A, D, E and K. Causes Of Gall Bladder Problems Gall bladder diseases and problems are fairly common and affect both men and women. The symptoms can vary from indigestion and nausea to vomiting and pain in the right upper abdomen. This pain also radiates to the lower back, resulting in gall bladder back pain. Other symptoms include: 1. Fever due to inflammation in the gall bladder 2. Abdominal bloating 3. Severe heartburn and gas 4. Jaundice 5. Diarrhea Some of the gall bladder problems are caused by: 1. Production of toxic bile by the liver 2. Inadequate production of bile 3. Excess amount of cholesterol in bile, leading to the formation of gall bladder stones 4. Infection in gall bladder 5. Hormonal changes during pregnancy 6. Blood disorders or infections The lower back pain can be attributed to a gall bladder disorder problem that results in gall bladder pain called biliary colic. Biliary colic occurs when gallstones block the small duct that drains bile to the small intestine. Gallstones or biliary calculi are small stones formed from a mixture of cholesterol, bile pigment and calcium salts. The formation of gallstones is a very common disorder and affects approximately 15% of the people at the age of around 50. However, in most cases, complication and infections don't arise until gallstones block a bile duct, which then leads to severe pain lasting from 30 min to several hours. In such circumstances, you must undertake an ultra sound test to confirm the presence of gallstones and then get the proper treatment with the help of a doctor. For more details on Back Pain Click Below http:// backpain-resources-online. com/index. html



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Are your nutrition habits robbing you from the body you desire

What if by making a few small changes in your nutrition and eating habits you could add up to a 50% gain in muscle mass and loose up to 18% extra fat. Well you could be robbing yourself of these gains just by not eating correctly and at the right times. You see by eating at the right time you can catapult your body into a fat burning anabolic state which will not only help you gain more muscle but also loose more fat at the same time. You will be surprised at how easy it is to make a few simple changes in your eating habits and times and the gains that you will get from these very small changes. In a recent study in the U. K it has been shown that eating irregular meals promotes fat gain. It all comes back to our body’s “will to survive” mechanism. When you skip or prolong a meal your body will automatically go into saviour mode and start storing extra fat to be used at a later date. Consequently your next meal also stores a lot of extra fat. By eating smaller meals more frequently you can not only counter this effect but also put your body into an anabolic state, which will also increase your base metabolic rate. In plain English this leads to higher fat loss and more muscle gain. A haphazard supplement program coupled with a haphazard diet will make building muscle and loosing fat a next to impossible task no matter how you train Why would anyone put in all that effort in their training and not back it up by proper nutrition and eating habits? Lack of knowledge would be the most likely answer. Ideally you should be eating 5 or 6 smaller meals a day that are low in fat, with high protein and medium carbohydrate. Here is an example of my Meal plan each day Meal 1: 6AM 1 packet of Ny-Tro PRO-40 mixed with 16 ounces of skim milk and 1 serving of Micronized Creatine Meal 2: 9AM 2 servings VP2 Whey Isolate mixed in 10 ounces of skim milk 1 large apple Meal 3: 12PM 2 grilled chicken breasts 1 Serving Rice 1 cup of low-fat Yogurt 1 serving VP2 Whey Isolate in 8 ounces skim milk. Meal 4: 3PM 1 packet Ny-Tro PRO-40 mixed with 16 ounces of skim milk and 5 to 10 grams of GL3 L-Glutamine 1 large banana Pre-Workout 2 Dymetadrine Xtreme 1 VyoPro Protein Bar Meal 5: 6PM (Post-workout) 2 servings VP2 Whey Isolate combined with 1 serving Creatine HSC mixed in cold water. (This is an important meal and is designed for an insulin spike at just the right time to increase creatine and amino acid uptake by the muscle cells.) Meal 6: 7PM 8 to 10 ounces of lean round or flank steak 1 large serving of rice 1 medium baked potato 1 large green salad Meal 7: 10PM 1 packet of Ny-Tro PRO-40 mixed with 9 ounces of skim milk 1 large banana 3 to 5 grams of GL3 L-Glutamine (Mix the Ny-Tro PRO-40 and GL3 in a large bowl into a smooth pudding. Slice the banana on top and eat. It's a dessert.) I take my meal plans from the Max OT training program, which can be found at http:// ast-ss. com/max-ot/max-ot_intro. asp You do not need to supplement the way I do and by just eating 5-7 smaller meals per day you will already be on your way to a healthier life with better gains from your gym workouts. Copyright 2005 Marc Lindsay



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Changing a nappy

Congratulations! It's a boy... or a girl... You've imagined those words throughout your nine magical months. But, what you probably have not thought about is the part where you need to put a fresh nappy on the little person! Even after having two little girls I worried about changing my little boy's nappy for the first time. For some reason I thought it was going to be really difficult. But actually it was easier! So how do you change a baby's nappy? Assuming you are using disposable nappies, as most mums do, at least in the beginning, here are some tips: Lie your baby on a flat surface, preferably on a soft changing mat; this allows little accidents to be wiped up quickly. If you are placing your baby on a raised surface or a changing station, never leave him unattended for even the slightest moment. Babies can and do fall off raised surfaces, often with disastrous consequences. Advances in technology allow us to keep the wet surface of the nappy away from the baby. Although this is great for your baby, it can make it difficult to tell if the nappy is wet. So how will you know if the nappy needs to be changed? A wet nappy will feel soft and squishy on the outside. It may also have increased in size. The moisture absorbing material within the nappy swells when it comes into contact with urine making it easy to tell if the nappy is wet. Obviously, a soiled nappy is easier to detect as you can just peep inside; or, more often than not, you can smell it! As your baby gets older he will become more wriggly at every nappy change. A good tip is to hang a mobile above his changing station or give him a different toy to keep his interest at changing time - making nappy changes much less tiring for mum! Remove the old nappy. Wipe the baby's bottom with some cotton wool pads soaked in warm water. You do not need to use soap or scented wipes on a newborn baby. Newborns have extremely soft, sensitive skin which is easily irritated. A so-called top and tail, or a warm bath once a day, is enough. When the baby is a few weeks old you can wash him with a warm soapy cloth or some sensitive baby wipes at each nappy change. Wipe baby girls from front to back to avoid the risk of cross infection. With baby boys you will need to ensure you wipe around and under their little bits! However, never pull back the foreskin. You may cause damage and infection if you attempt to. Creams and talc are unnecessary. Nappies today are so effective at keeping moisture away from the skin that creams are not required. In fact, creams can actually hinder the nappy's performance, making irritation more likely. If your baby has nappy rash, and you really feel that cream is required, apply it very thinly before putting on the fresh nappy. Also, let the air at your baby's bottom. Let him lie on the changing mat on the floor for a while without a nappy. You may want to put an old towel or absorbant bed cloth under him so that he will not be lying in a puddle getting cold, if he does wet it. Put the fresh nappy under the baby's bottom, with the sticky seals at the back! Lift the front of the nappy up over the baby's bottom and fasten it closed. Do not fasten it too tightly as this will be uncomfortable. Allow the baby some room to breath! Voila! All Done... until the next one!



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Spring cleaning tips and advice

It's that time of year again! Time to break out the cleaning supplies and trash bags. That yearly spring ritual is upon us. You hate to think of the time it is going to take you. You wonder if wasting a whole Saturday or even the whole weekend is worth it. We want everything done instantly, that's the fast paced world we are living in today. We've got some spring cleaning tips and advice from the pros that will help you get done in record time. Professional home cleaners come prepared and they're not going to waste any time. If you can afford it, hire them!

If you can't hire the professionals here's how to get it done just like you did. How To Do Spring Cleaning The Right Way Motivation is key to getting things done and getting them done fast. Motivate yourself and the family with a special outing when the project is complete. The professionals don't take TV or email breaks and you shouldn't either. The ultimate goal for professionals is to get in and get out, for you it's get done and move on! Listen to some music that really gets you moving. You could even load an audio book onto your iPod and listen to that while you clean. That's multitasking at its best! Don't forget that dirt and dust follow the laws of gravity. It falls just like everything else. So, start at the top and work your way down. Spring Cleaning Safety Tips Make sure you dress for the job. You want to be comfortable but functional. The clothes you wear should be loose but not so loose as to catch on corners, doorknobs, or anything that could spill. If you're going to be on your knees a lot, look at investing in some knee pads. The professionals use them, and for good reason. You'll loose steam and motivation quickly if you start feeling uncomfortable. Don't forget the gloves! These can keep the germs and chemicals off your skin. The regular yellow cleaning gloves you see at any grocery store will work fine. Have a Plan! Probably the most important thing you're going to want to do, before you even break out the mop, is have a plan! This alone can cut a major amount of time off your spring cleaning project. Instead of guessing what to do next, you'll have your plan of action right in front of you. Top of the list: pick up the clutter. You don't want to slide your junk from side to side or just clean under and around it. Doing this first will make your whole job easier.



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How to propagate seeds outdoors

Annuals can be grown readily from seed in most cases. The method of growing depends upon the delicacy or hardiness of the seed, and may require planting in frames or pots initially, transferring to the bed only when the weather is sufficiently mild and the plants well grown. Many perennials and biennials may also be propagated from seed. This method, however, is not suited to all perennials, and some of the methods already discussed will yield more fruitful results. Typical perennials which can be propagated from seed are: Hollyhock, Christmas rose, Columbine, Bleeding heart, Baby's breath, Foxglove, Butterfly weed, Primrose, Larkspur.

Depending on the variety of seed, most annuals and perennials which can be grown by this method can be planted in seedbeds out doors. The time for planting varies. A few can be sown in autumn, but most, however, should be sown in spring, and, to be safe, not before the last frost has passed. The big disadvantage of outdoor sowing is that one sacrifices control over the circumstances under which the seeds will germinate. In an indoor hotbed, or coldframe, conditions of moisture, heat, etc., can be regulated. Not so in the outdoors, where dryness or changing weather can destroy the weaker seeds quickly. If an outdoor seedbed is planned, choose a spot with good soil.

Then work in a portion of your compost pile, pulverizing the soil to the depth of 3 inches. Adding some sand and peat moss increases the effectiveness of the bed. Most seed may be planted on the surface, and the deepest one should plant is 1/2 inch. The bed should be well-watered after the seed has been broadcast over the entire area. The bed can then be lightly tamped.



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Air purifiers top buying tips

A wide range of air cleaner related searches could possibly have led you to a air purifier or house and home targeted directory, queries like "deals on rain fresh RFA 3500 Air Purifier Ozonators" or "guides on Friedrich C 90A Electronic Air Purifiers", the real trick with any house and home portal is to navigate directly to the website menu, if you take this advice you should hopefully not be side tracked by air cleaner articles which are about an area of air purifiers that is not applicable . Many air cleaner specialists and other folk that may work with or have some involvement with air purifiers can easily be discovered via the regional telephone listings, there should be numerous listings of people who are associated in some way with air purifiers and such people could save you a considerable amount of your valuable time by assisting you with your air purifier focused issues. It might be you get hold of a Honeywell 20500 Enviracaire True HEPA Filter and down the road discover that the air purifier merchant you ordered it from had not sold the goods at the most competitive price, to be assured this never comes about some other time make an effort to conduct an online cost comparison or check a good multitude of air cleaner online outlets first, it may be a Honeywell 17005 QuietCare is marked up at for a particular price on one site but is marked up at ten percent less on another, some great deals can be found if you do some research. It could very well be you buy a Honeywell 20500 Enviracaire True Hepa Filter and a little later find that the air purifier merchant you got it from did not supply the goods at the lowest price, to be certain that this never comes about some other time make sure you carry out an online price review or check a reasonable variety of air purifier merchants first, it may be a Hunter 35160 CareFree 1 Gallon Vaporizer is being sold for a certain price on one internet store however is being marketed for forty percent lower on another, some great deals can be found if you look around. This air cleaner research tip is pretty important, instead of just searching for a research term such as "air purifiers ", you should certainly use of a longer search engine request such as"low cost air purifiers" or "dehimidifier guides", if you do this your results will then be highly related to your exact air purifier necessities. Convenience when purchasing specific products like rain fresh RFA 3500 Air Purifier Ozonators or MULTI TECH Intelli Pro Intelligent Air Purifers is a subject that no individual should ever take for granted, you should value the websites that supply useful air purifier ordering facilities and take their info for the future. specific air purifiers might not turn out to be that easy to come across, lets imagine you are wishing to buy Honeywell Charcoal Prefilters it might be that you may have to purchase your products directly from a air purifier manufacturer, even the top sites might not always solve every air cleaner purchasers requirements however a large number of house and home items can be acquired by some means. A substantial number of air cleaner merchants should be helpful and a small minority really poor, if someone needs local house and home guidance it might very well be best to send your local sources of air purifier expertise a brief email, make it as clear as you can and include something a lot like this "are you able to help me with Bell Ionic Whisper Air Purifiers or Hunter 35180 CareFree 1 5 Gallon Vaporizers", the contents on the email depend on what type of air cleaner product you are mostly interested in. Before you contemplate any air purifier purchase you should make sure that the house and home source you might be purchasing from gives you the belief that obtaining your cash back and product exchanged if needed will never be a hassle, changing or part exchanging a Honeywell HFD 120 Tower Hepa Air Purifier for a Sharper Image Professional Series Ionic Breeze Quadra Silent Air Purifier must never turn out to be a situation.



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Teen driver education

For many teenagers these days obtaining their license is the biggest and most exciting step life has offered so far. Many are excited, some a little worried, but all should be prepared for what having a driver license means. This is where driver education courses enter into the picture. Not only do these courses teach teens to drive, but teach them ways in which to do so responsibly as well. The following paragraphs will highlight some topics covered in driver education courses and show why this type of education is extremely important for teens to obtain. Teaches Vehicle Laws One portion of most driver education courses centers around a textbook portion. In this area of the driver education course, one topic that is often discussed involves various vehicle laws that exist within that particular state where the teenager is learning to drive. This is a vital portion of the course as many states require that individuals take a written exam prior to obtaining a drivers license. On these particular exams students will be required to correctly answer questions pertaining to current vehicle laws. Having this intensive guided textbook course which focuses on vehicle laws will enable teens to learn the laws perhaps even more quickly than if they were studying the relative laws on their own. Teaches Drug and Alcohol Awareness Regardless of the fact that drugs are illegal as a rule and alcohol is illegal for individuals under a certain age, driver education courses still find it in the best interest of the teenager to promote drug and alcohol awareness and how this can affect one’s driving ability. Many teenagers are aware of the fact that drugs and alcohol can have potentially damaging effects; however, by teaching this in a structured course along with a variety of statistics and videos, it really sends the message out to the teenagers the damage that drinking and driving or doing drugs and driving can cause an individual. Therefore, it is vital that driver education courses stick with this type of course topic. Vehicle Maintenance Many driver education courses also have a portion of the course where individuals are taught various topics relating to vehicle maintenance. Along with knowing various vehicle laws and having the awareness of the potential dangers of drugs and alcohol with driving, it is also important for teens to know some basic information regarding vehicle maintenance. Prior to learning how to drive the vehicle, one should know how the vehicle works and how it can be maintained. Driving Course The second main portion of the course, along with the classroom portion, is the actual driving part. Once teenagers have gained the requisite knowledge regarding laws, awareness factors and maintenance, it is then time to get behind the wheel and teach them driving techniques. This is another benefit to having a structured driver education course. It teaches teens how to drive in the company of a certified driving instructor. Some driver education courses held by a school district, for example, will provide the actual training portion while in other areas teens will need to engage in this portion of driver education course on their own with a driving school. Wherever this portion of the driver education course is learned, it is crucial that teens take part in it. Where to Take Driver Education Courses Prior to signing up with a particular driver education course, it is important for teens and their parents to contact their local Department of Motor Vehicles or other governmental entity responsible for licensing drivers. Two questions which should be asked are whether driver education is required by the state and what forms of driver education courses are acceptable to satisfy that requirement. Once these questions are answered, the teen can then choose a driver education course to sign up for. There are a few different places where the teen can take a driver education course. The first is through their high school. Many school districts offer driver education courses as part of the curriculum and this may be an option for the student. Another place to possibly sign up for a driver education course is with a professional driver education center where both classroom and actual driving courses will be taught. Lastly, there is a new and inventive way of engaging in a driver education course and that is online. Online driver education courses are ones which have recently been gaining quite a bit of recognition. Not only are they great ways to learn course concepts but they are extremely convenient as well. One will most likely have to use a professional driving school for the road portion of the course, but with regard to classroom courses, the online version is a distinct possibility. It is highly advisable, however, that one check with their state to ensure that this type of course fulfillment is acceptable in order to meet the driver education requirement. The previously mentioned topics are some of the wonderful benefits for teens who take driver education courses. Not only will the teens learn how to drive but also they will be taught how to do so in a safe and legal way. When looking for the perfect driver education course for teens to get involved in, just make sure that the one which is chosen is accepted by the state and that it features many of the components listed above. If this type of driver education course is selected, it may make the teen that much more ready to get behind the wheel.



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