Accountancy auditing careers

Accountancy Auditing Careers Within the field of accounting, there are a lot of career choices and accountancy auditing careers is just one. Auditing is very important and it is considered as an integral part of business finances. Auditors are greatly needed to examine, analyze, and verify the business finances. The Bureau of Labor claims that accountancy auditors are in-demand at present and in the years to come. Employment of auditors is expected to increase eventually. If you’re still looking for an accountancy career, you might want to consider working as a company auditor. What is an auditor? Auditors are also accountants. However, they primarily deal with examining and corroborating financial statements. The various statements are examined closely and the auditors make sure that everything will ‘add up’. Sometimes, inaccuracies and errors occur. The task of the auditor is to determine where these inaccuracies or errors exist. Aside from that, auditors develop certain courses of action to avoid future errors. If you think that the task of the auditor is simply scrutinizing financial statements, you’re quite wrong. Auditors examine the various company bills and they ensure debit and credit accuracy. Errors are immediately corrected to avoid financial problems. Government auditors are different from non-government auditors. You see, they are the ones who examine from different perspective – the tax perspective. Some filed tax returns are suspicious and so the task of the government auditors is to conduct an audit on the individual or business entity and check if it’s accurate. A very good example is a business who filed a tax return, claiming that they incurred many expenses. IRS auditors will then check the said expenses to ensure that it meets the tax code criteria. If it does not meet the criteria, the company can be given penalties. Most tax auditors have bad reputations but they deserve more than that. You see, being a government auditor is among the top accountancy careers because they make sure that the people are honest enough to file their tax returns and that the government will not be cheated. An accountancy career is technology driven. Many years ago, auditors work manually but nowadays, it’s a lot different. Present-day auditors should know how to work with computers and complicated accounting software or programs. This is the only way to keep up with technology and to stay competitive in the market. If you want to become a company auditor someday, you have to graduate with a bachelor’s accounting degree. Certifications are oftentimes needed although some states don’t require it. More job opportunities are open to those who earned a Master’s degree as well as some certification. Salary is a very important consideration when choosing a career. Auditors are earning a yearly salary of about $54,000. Senior auditors receive higher salaries which can reach as high as $80,000 per year. However, if you’re a new auditor, you can earn about $35,000 per year. You see, accountancy careers let you earn big money. Starting salaries are reasonable and don’t you worry because after a several years, your salary will definitely increase. If accounting is your passion, choose an accountancy auditing career. Despite the bad reputations of auditors, you should still believe in yourself and that you’re going to have a decent job that let’s you earn reasonable salary. Who cares what other people say; the important thing is that you’re doing an excellent job.



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Cure bone cancer alternative treatment

A center which works to save the life and limb. Fight cancer with a smile. Get strength with positive attitude. Bone cancer is the rare illness that causes in children more than the adults. What we now know is that we are all deficient in dietary glyconutrients today, thus opening us up to this disease, and others. We are thrusting aside our health and in this way how we are paying with the entry of new diseases in our body. The human body is made of more than 200 bones. The bones support the body and protect organs such as the heart and lungs. Bones are made of cells called osteocytes, which are bound together by a calcium-like material to give the bone strength. Bones are filled with a spongy material called bone marrow.

Bone marrow makes blood cells. The bones in the body serve several purposes. They support and protect internal organs (for example, the skull protects the brain and the ribs protect the lungs). Muscles pull against the bones to make the body move. Bone marrow makes and stores blood cells. Bone cancer can be a primary cancer (starts in the bone) or a secondary cancer (starts in another part of the body and spreads to the bone). Primary bone cancer, or cancer that starts in the bone, is quite rare. The cancer that begins in the bone is called primary bone cancer. It is found most often in the arms and legs, but it can occur in any bone in the body.

Less than one per cent of people with bone cancer have primary bone cancer. The most common type of primary bone cancer is osteosarcoma. Children and young people are more likely than adults to have bone cancer. The causes of primary bone cancer are not known; however, adults who have Paget's disease (a bone disease) may have an increased risk. Secondary bone cancer is the most common bone cancer. It is a cancer that starts somewhere else in the body and spreads (metastasises) to the bone.

The most common cancers that spread to the bone are cancers of the breast, prostate, lung, kidney and thyroid. Cancers that begin in the bone are quite rare. On the other hand, it is not unusual for cancers to spread to the bones from other parts of the body. When this happens, the disease is not called bone cancer. Each type of cancer is named for the organ or the tissue in which it begins. Cancer that spreads is the same disease and has the same name as the original cancer. Treatment for cancer that has spread to the bones depends on where the cancer started and the extent of the spread Pain is the most common symptom of bone cancer. However, symptoms may vary depending on the location and size of the cancer. Tumors that occur in or near joints may cause swelling or tenderness in the affected area. Bone cancer can also interfere with normal movements and can weaken the bones, occasionally leading to a fracture. Other symptoms may include fatigue, fever, weight loss, and anemia. None of these symptoms is a sure sign of cancer. They may also be caused by other, less serious conditions. It is important to check with a doctor. The signs and symptoms of bone cancer include: * Painful bones and joints * Increased pain at night * Swelling of bones and joints * Susceptibility to fractures * Unexplained weight loss * Unexplained tiredness. Patients may present with persistent pain, swelling, or tenderness of a bone. They may have unexplained fracture of one or more bones, sometimes without noticeable trauma. Each one of us is in our day to day life is exposed to innumerable cancer-causing agents. It has been reputed that approximately 70 to 80 percent of all cancers occur as a result of the food we eat, the air we breathe and the water we drink, as well as lifestyle and environmental factors. Roughly to say one third of deaths from cancer are related to dietary factors. Our bodies have natural defense mechanisms to battle these ‘agents’, but in many cases, because of neglecting proper nutrition and exercise, and abusing our bodies by loading them with even more harmful agents, then these defenses are weakened or overwhelmed, and cancer begins to gain a foothold in the body. So if we need to come out of it then we have to take of our health which is the basic treatment to any disease. A number of factors are considered to decide on the best treatment for bone cancer. Among these are the type, location, size, and extent of the tumor as well as the patient's age and general health. A treatment plan is tailored to fit each patient's needs. One last consideration to take note of is that any cancer is more easily defeated if caught in its early stages. Therefore it is very important to have regular medical check-ups, even if we are feeling fine. Then too, learn what are the telltale symptoms for the various cancers, and at the first evidence of anything suspicious, get it checked out by your doctor.



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How pr makes a manager s life easier

Things are pleasant for many business, non-profit or association managers when their public relations people deliver newspaper and talk show mentions, informative brochures and videos, and special events that attract a lot of people. But things could be much more pleasant for those managers if their PR teams were to deliver the kind of behavior change among their key outside audiences that leads directly to achieving their managerial objectives. And, by so doing, persuade their most important outside audiences to their way of thinking, moving those folks to take actions that help the managers’ department, division or subsidiary succeed. Put another way, the question managers really face is this: are you simply looking for publicity, or a way to do something positive about the behaviors of those external audiences of yours that MOST affect your organization? Before you answer that, here are two realities you might want to keep in mind: 1) the right PR really CAN alter individual perception and lead to changed behaviors that help you succeed, and 2), your public relations effort must involve more than good times, booklets and press releases if you really want to get your money’s worth. For example, people really do act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done. When we create, change or reinforce that opinion by reaching, persuading and moving - to-desired-action the very people whose behaviors affect the organization the most, the public relations mission is accomplished. There’s no end to the results that recipe can generate: prospects starting to work with you; customers making repeat purchases; stronger relationships with the educational, labor, financial and healthcare communities; improved relations with government agencies and legislative bodies, and even capital givers or specifying sources looking your way Once this approach takes hold, you could even see results such as new proposals for strategic alliances and joint ventures; rebounds in showroom visits; membership applications on the rise; community service and sponsorship opportunities; enhanced activist group relations, and expanded feedback channels, not to mention new thoughtleader and special event contacts. That’s a fair amount of results from even a high-impact blueprint like this one. Which means your PR crew – agency or staff – must be committed to you, as the senior project manager, and to your PR blueprint starting with target audience perception monitoring. We can agree that it’s crucially important that your most important outside audiences really perceive your operations, products or services in a positive light. So assure yourself that your PR staff buys this approach. And be especially careful that they accept the reality that perceptions almost always lead to behaviors that can help or hurt your unit. Go over the blueprint with the whole PR group, especially the plan for monitoring and gathering perceptions by questioning members of your most important outside audiences. Questions along these lines: how much do you know about our organization? How much do you know about our services or products and employees? Have you had prior contact with us and were you pleased with the interchange? Have you experienced problems with our people or procedures? If there’s enough money in the bank, you can probably afford professional survey people to handle the perception monitoring phases of your program. If not, always remember that your PR people are also in the perception and behavior business and can pursue the same objective: identify untruths, false assumptions, unfounded rumors, inaccuracies, misconceptions and any other negative perception that might translate into behaviors you won’t like one little bit. Now you’ll need a public relations goal, one that speaks to the aberrations that showed up during your key audience perception monitoring. In all likelihood, it will call for straightening out that dangerous misconception, or correcting that gross inaccuracy, or doing something about that ugly rumor. As day follows night, you’ll now need a strategy that shows you how to reach your new goal. You have three strategic choices when it comes to handling perception or opinion challenges: create perception where there may be none, change the perception, or reinforce it. As always, a bad strategy pick will taste like flapjack syrup on your swordfish, so be certain the new strategy fits well with your new public relations goal. For example, you don’t want to select “change” when the facts dictate a “reinforce” strategy. As you might expect, persuading an audience to your way of thinking is just plain hard work, so your PR team must come up with some darn effective language. Words that correct the original aberation and, at the same time, are compelling, persuasive and believable AND clear and factual. You have little choice if you are to correct a perception by attracting opinion to your point of view, leading to the desired behaviors. Working with your communications specialists, review your final draft message for impact and persuasiveness. Only then can you select the communications tactics most likely to carry your words to the attention of your target audience. You can pick from dozens that are available. From speeches, facility tours, emails and brochures to consumer briefings, media interviews, newsletters, personal meetings and many others. But be sure that the tactics you pick are known to reach folks just like your audience members. Occasionally, the credibility of a message can depend on how it’s delivered. So, on the chance that may be true, you might want to introduce it to smaller groups rather than using higher-profile tactics such as news releases or talk show appearances. Calls for a progress report will prompt you and your PR folks to consider returning to the field for a second perception monitoring session with members of your external audience. Using many of the same questions used in the first benchmark session, you’ll now be alert for signs that the bad news perception is being altered in your direction. If you feel the need to move things along at a faster clip, you can always accelerate the effort with more communications tactics and increased frequencies. Truth is, “happy times are always here again” for the manager who achieves the kind of key stakeholder behavior change that leads directly to achieving his or her department, division or subsidiary objectives. end Please feel free to publish this article and resource box in your ezine, newsletter, offline publication or website. A copy would be appreciated at mailto:bobkelly@TNI. net. Word count is 1160 including guidelines and resource box. Robert A. Kelly © 2005.



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Like it or not you have a score to settle part 2

In part 1, we covered the basics about credit scoring – what it is and how it is calculated. It’s time to address the critical question ... What happens if you are denied credit or don’t get the terms you want? The Equal Credit Opportunity Act requires that the creditor give you a notice either with the specific reasons your application was rejected, or stating that you have the right to learn the reasons if you ask within 60 days. NOTE: Indefinite and vague reasons for denial are illegal, so ask the creditor to be specific. If you were denied credit because you are too near you credit limits on your charge cards, or you have too many credit card accounts, you may want to reapply after paying down your balances or closing some accounts. Credit scoring systems consider updated information and change over time. You also can be denied credit because of information from a credit report. If so, the Fair Credit Reporting Act requires the creditor to give you the name, address and phone number of the credit reporting agency that supplied the information. You should contact that agency to find out what your report contains.

NOTE: This information is free if you request it within 60 days of being turned down for credit. The credit reporting agency can tell you what’s in your report, but only the creditor can tell you why your application was denied. If you’ve been denied credit, or didn’t get the rate or credit terms you want, ask the creditor if a credit scoring system was used. Be sure to ask what characteristics or factors were used in that system, and the best ways to improve you application. If you get credit, ask the creditor whether you are getting the best rate and terms available and, if not, why. If you are not offered the best rate available because of inaccuracies in your credit report, be sure to dispute the inaccurate information in your credit report.

Under the Equal Credit Opportunity Act, a credit scoring system may not use certain characteristics like: Race, Sex, Marital status, National origin, or Religion. However, creditors are allowed to use age in properly designed scoring systems. But any scoring system that includes age must give equal treatment to elderly applicants. What can I do to improve my score? Credit scoring models are complex and often vary among creditors, and for different types of credit.

If one factor changes, your score may change. But improvement generally depends on how that factor relates to other factors considered by the model. NOTE: Only the creditor can explain what might improve your score under the particular model used to evaluate your credit application. Nevertheless, scoring models generally evaluate the following types of information in your credit report: Have you paid your bills on time? Payment history is a significant factor. It is likely that your score will be affected negatively if you have paid bills late, had an account referred to collections, or declared bankruptcy, if that history is reflected on your credit report. What is your outstanding debt? Many scoring models evaluate the amount of debt you have compared to your credit limits. If the amount you owe is close to your credit limit, that is likely to have a negative effect on your score. How long is your credit history? Generally, models consider the length of your credit track record. An insufficient credit history may have an effect on your score, but that can be offset by other factors, such as timely payment and low balances. Have you applied for new credit recently? Many scoring models look at inquiries” on your credit report when you apply for credit. If you have applied for too many new accounts recently, that may negatively affect your score. However, not all inquiries are counted. Inquiries by creditors who are monitoring your account or looking at credit reports to make “prescreened” credit offers are not counted. How many and what type of credit accounts do you have? Although it is generally good to have established credit accounts, too many credit card accounts may have a negative effect on your score. In addition, many models consider the type of credit accounts you have. For example, under some scoring models, loans form finance companies may negatively affect your credit score. Scoring models may be based on more than just information in your credit report. For example, the model may consider information from your credit application as well: your job or occupation, length of employment, or whether you own a home. Bottom Line: To improve you credit score under most models, concentrate on paying your bills on time, paying down outstanding balances, and not taking on new debts. It’s likely to take some time to improve your score significantly.



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7 easy steps to getting the best rate and lowest payment

Bad credit CAN get better, and good credit can become GREAT credit! Step 1- Get Your Free Credit Report Annually Background: New legislation makes it mandatory for the credit bureaus to provide you with one free credit report per year. Pulling your own report avoids having an Inquiry placed on your file, which, when they accumulate, can damage your scores. Your Extra Credit Assignment: Get your credit report at annualcreditreport. com, which is completely free or myfico. com which charges a fee, but includes the same FICO® scores that your mortgage lender will use. Most any other free credit scores you might find on the web are not true Fair, Isaac, & Co. (FICO®) scores, which are the only scores that matter. Step 2- Obtain Revolving Credit (if necessary) Background: Getting your credit history started is obviously critical for those without one. A good place to start is with a secured credit card. But not just any card. It is CRITICAL to make sure that the secured card you get is one that reports your account to all three credit bureaus(TransUnion, Experian, and Equifax). Your Extra Credit Assignment: Open a secured credit card if you do not have credit. Ask your bank or credit union if their secured card reports to all three bureaus. If you cannot find one local, visit American Pacific Bank ( apbank. com) and sign up for their secured card, as it reports to all three credit bureaus as an unsecured tradeline. Step 3- Check your Credit Report for Errors; ANY Errors Background: According to the Public Interest Research Group (PIRG), 79% of credit reports have errors, and 25% of these are serious enough to cause a loan denial. No statistics are given for how many of those other 54% were serious enough to affect the rate paid by a borrower, even if it did not cause a denial. So, odds are, you will find errors in your credit report if you look closely. Something as simple as an installment loan being improperly classified as a revolving line of credit can cost you 20 points or more on your scores. Your Extra Credit Assignment: Look closely. For example; Installment loan coded as revolving credit, balances that you know have been paid off/paid down, duplicate accounts, accounts that are not yours, late payments, collections, chargeoffs, other derogatory information that may be incorrect. Even dates of last activity of old accounts. Step 4- Check Your Ratios Background: Total ratio and individual ratios. The FICO scoring models are known to place high value on credit utilization ratios. Both your total credit utilized to total available credit ratio and each individual revolving account ratio should be below 50% utilization; better still, below 30%. Less is definitely more here. Your Extra Credit Assignment: Examine both your total and each individual balance ratio. Stay below 50% at worst, 30% is much better; EACH account, not just the total. The obvious strategy if balances are too high, is to pay them down. And that always works; no question. There are a couple of less obvious solutions, though. First is balance transfers from high ratio cards to low ratio cards. Silly as it sounds, that can, and will have a positive impact on your scores. Second, If you have a good payment history with a particular credit card account, you can ask the card issuer to increase your credit limit. Ask them if they will do it without pulling your credit, though, as so you can avoid any unnecessary credit inquiries, which can lower your scores as much as 3-5 ponts EACH. Step 5- Look for Missing Information Background: Some credit cards do not report limits, hurt ratios, Credit limits are always round numbers. Sometimes indicates an instance of going over the limit, sometimes it is just the maximum balance ever charged on the card and the creditor is not reporting the limit. Your Extra Credit Assignment: Look at each of your revolving credit limits on your credit report. Look for odd numbers. Ask your card issuer to report the correct limit. If you are applying for a mortgage soon, ask your Extra Credit professional to perform what is known as a Rapid Re-Score on your credit, forcing the new correct info into your credit profile. Step 6- For Those Recovering From A Bankruptcy. Background: If you have had a Chapter 7 Bankruptcy… you may be continuing to be punished by the creditors. Many creditors will continue to report a current Date of Last Activity. Not only is this incorrect, it is illegal. We’ll just assume it’s inadvertent on the part of the creditors, but it happens an awful lot. Bottom line: This can kill your scores. Having each of your Included in Bankruptcy tradelines reporting correctly can make as much as 100 points in your credit scores difference almost overnight. Your Extra Credit Assignment: Examine each credit tradeline to make sure that date of last activity is no later than the date of filing, that the balance is zero, and the status is listed as Included In Bankruptcy. Step 7- Free Professional Credit Score Analysis Background: Your Extra Credit Advisor has State-of-the-art credit analysis tools available that can help map out a clear concise roadmap for your credit optimization process. These tools provide you with a step-by-step guide to maximizing your credit score, as well as a precise projection of the effect these steps will have. Your ExtraCredit Advisor can utilize additional tools such as instant payoffs and rapid re-score to have these changes reflected in your credit score in as little as 72 hours. Your Extra Credit Assignment: Gather all supporting information to give to your Extra Credit Advisor, then let them get to work helping you to Improve Your Credit and Improve Your Mortgage. Mortgage regulations have changed significantly over the last few years, making your options wider than ever. Subtle changes in the way you approach mortgage shopping, and even small differences in the way you structure your mortgage, coupled with a personalized Mortgage Optimization Strategy to get the most from your credit, can save you literally thousands of dollars and years of expense. Get the Right Information - Whether you are about to buy your first home, or are planning to make a move to your next home, it is critical that you be informed about the factors involved. Everyday people turn to a mortgage lender to help them get a home loan, but because many of them do not know what questions, if any, to ask, they often make incorrect choices. By taking these few minutes to acquaint yourself with the 7 Easy Steps To Getting The Best Rate (and Lowest Payment) On Your Next Mortgage you can reduce or eliminate the chances of making a critical error and save thousands on your mortgage.



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Do you really need pr

The right kind of PR, that is, the kind that puts you in charge of the care and feeding of a lot of people who play a major role in just how successful a manager you’re going to be? As that manager, it also helps if you accept the fact that you need the kind of external stakeholder behavior change that helps you reach your business, non-profit or association objectives. And it’s also helpful if you believe it’s a good idea to try and persuade those important outside folks to your way of thinking, then move them to take actions that help your department, division or subsidiary succeed. Given all of that, if it now appears that you need to do something positive about the behaviors of those outside audiences that most affect your operations, yes, you really need public relations! I mean, look at the sort of results you could be getting: politicians and legislators starting to view you as a key member of the business, non-profit or association communities; prospects starting to do business with you; fresh proposals for strategic alliances and joint ventures; membership applications on the rise; customers starting to make repeat purchases; community leaders beginning to seek you out; welcome bounces in show room visits; higher employee retention rates; and even capital givers or specifying sources beginning to look your way. So we agree that, yes, you really need public relations. But here’s what’s got to happen. From the get-go, assure yourself that the public relations people assigned to your department, division or subsidiary know you’re determined to find out what your most important outside audiences actually think about your organization. Reason being that target audience perceptions usually lead to behaviors that can help or hinder you in achieving your operating objectives. Pin down which audiences are really key to your success then build and prioritize your list of important outside groups of people whose actions most affect your unit. And begin work on that top external audience. Your new public relations effort will depend for its success on how efficient you are in gathering the perceptions of your organization held by your key target audiences. Put your public relations team to work interacting with members of that #1 outside audience. Or, if you can tap a good sized budget, you can ask a professional survey firm to do the job for you. However, because your PR folks are already in the perception and behavior business, my choice would be to use them for this assignment. Either way, someone must interact with members of that prime audience and ask questions like “What do you know about our operation? Are you familiar with our services or products? Have you had any negotiations with us? If so, were they satisfactory?” Keep a careful eye on responses. Notice any evasive or hesitant comments about your organization? Be especially alert for misconceptions or untruths. Are there false assumptions or inaccuracies you need to remedy in light of experience that shows negative perceptions inevitably lead to negative behaviors – the kind you must correct to protect your unit’s operations. All this work prepares you to set your public relations goal. For instance, clarify a hurtful inaccuracy, fix that misconception or flatten that rumor once and for all. As with just about any goal you pursue, you don’t reach it without the right strategy to show you how to get there. Fact is, with matters of perception and opinion, you have three strategic options: change an offending opinion/perception, create it where there isn’t any, or reinforce an existing perception. Here, perhaps the hardest work connected to a public relations program rears its ugly head -- preparing the persuasive message you will use to carry your corrective facts and figures to members of your key target audience. Several characteristics are required in such a message. It must be clearly written as to why that misconception, inaccuracy or false assumption should be corrected or clarified. Supporting facts must be truthful so that they lead to a finished message that is persuasive, believable and compelling. How would you plan to move your message to your audience? This is the least complex step in the sequence because there are so many communications tactics ready to do the message delivery job for you. They range from op-eds in local newspapers, radio and TV interviews, speeches, consumer briefings and brochures to newsletters, special events, emails, personal meetings and many, many others. Only caution: be sure the tactics you assign to the job have a good record of reaching people just like the members of your target audience. Can we point to progress? Only way to know for certain if offending perceptions have been altered, is to interact out there once again with those audience members asking the same questions as before. But this time, you and your PR team will be watching carefully for indications that the troublesome perception really is correcting in your direction. That IS where “the public relations rubber meets the road,” isn’t it? Business, non-profit or association managers use mission-critical public relations to alter an offending perception, leading directly to the predictable behavior…which helps them reach their department, division or subsidiary objectives. end



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Tax magic how to turn taxable income into tax free income

Believe it or not, there are ways to convert taxable income into non-taxable income, without any fear of an IRS audit. Here's one of my favorites. It's been part of our tax code for over 30 years, yet many still don't take advantage of it. What am I talking about? The IRA -- Individual Retirement Account. Now, before you say, "Oh, I know all about that one; what's so great about an IRA?", give me 10 minutes to explain 3 new benefits to the IRA rules that you may not realize. BENEFIT #1: How To Avoid Tax Rather Than Postpone Tax First, did you know that there are now 2 kinds of IRA's available? The so-called Traditional IRA is the one that first came out way back in the 1970's. But there's a newer version of the IRA that's only a few years old -- it's called the Roth IRA. And the difference between these 2 IRA's is huge. Traditional IRA contributions are tax-deductible, resulting in immediate tax savings. The growth of those contributions is also tax-sheltered while the funds remain in the account. But eventually all tax-deductible Traditional IRA contributions, as well as the growth of those contributions, will be subject to income tax when the money is withdrawn from the account. In other words, Traditional IRA's offer the opportunity to temporarily postpone taxes. In contrast, the Roth IRA offers the opportunity to permanently avoid taxes. With a Roth IRA, you don't take a deduction for your contributions; instead, you make a contribution with "after-tax" dollars. Whatever you put in not only grows tax-free, but can also be withdrawn tax-free. Here's an example to illustrate: If you invest $2,000 per year for 20 years into a Roth IRA, you will have invested a total of $40,000. Now if that Roth IRA earns an average of 10% per year, that $40,000 will grow into $126,005. Now comes the fun part: Assuming the IRA has existed for at least 5 years and you are at least 59 Ѕ years old, you can withdraw the entire $126,005 tax free. In contrast, if this money had been invested in a Traditional IRA, the entire $126,005 would be subject to income tax as it is withdrawn. The $86,005 of growth is magically converted from taxable income to non-taxable income. Assuming you are in the 15% federal tax bracket, that's a savings of $12,901. Add any state income tax, and you could save over $15,000 in taxes. BENEFIT #2: Take An Extra 3 Ѕ Months To Fund Your IRA The deadline for contributing to your IRA is April 15 of the year AFTER the year for which the contribution made. So for Year 2005, you have until April 15, 2006 to put money into your IRA. If you've already invested the maximum (more about that in a moment) by December 31, 2005, then you're done. No more money can go into the IRA for 2005. But if you haven't maxed out your IRA, you have until April 15 to do so. Which brings me to . . . BENEFIT #3: The Maximum Contribution Amounts Have Increased For many years, the most you could put into an IRA was $2,000. Now, the maximum is $4,000 (assuming you have at least that much earned income from wages or self-employment income). And if you are over 49, you can put in another $500, bringing the total maximum to $4,500. A married couple, both age 50 or older, can put a whopping $9,000 per year into a IRA. Not too shabby, eh? One final note about these Roth IRA rules: For married people, you can only contribute the maximum of $4,000 or $4,500 if your combined income is less than $150,000. If you are single or head of household, you can contribute the maximum if your income is less than $95,000. For most middle-class folks looking for a perfectly legal way to permanently avoid tax (rather then merely temporarily postpone tax), the Roth IRA fits the bill. Now comes the hard part -- how to actually implement this tax avoidance strategy. "We'd like to save as much as we can for our golden years. But $9,000 a year? It's hard to put aside that kind of money. We need every dollar we make just to pay the bills." If that's your situation, I'm not going to get up on my "what-do-you-mean-you-can't-save-any-money-for-retirement" soapbox and start preaching at you. I will say this: You've got to start somewhere, and you've got to start saving something, don't you? People who have a problem saving for retirement usually have a budgeting problem. For an excellent resource on budgeting, I highly recommend the Budget Stretcher web site: http:// homemoneyhelp. com. This site offers a free budget system complete with simple forms and worksheets to help you figure out how to put some money aside for a Roth IRA or other savings plan. Take advantage of this resource and get started today.



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Free birthday ecards how to use them to increase sales

Selling profession is a science and an art. You have to treat the customer as a friend and also keep some distance. This requires skill. Selling profession is not for weak hearted people. One needs to have strong determination and persistence. One also needs to use all the resources one can use to increase sales. The first step during any sale is to develop rapport with the prospective buyer. You can use free birthday ecards to do that. Let me explain you how? Birthday ecards create a difference in your relationship with the buyer. Normally your buyer would like to think of you as a professional and not as a friend. You do not figure amongst the list of their friends at all. Your objective is to get your name included in that list so that you can have long-term relationship and keep getting repeat orders. A birthday ecard reaches your buyer on the day when he/she is feeling very happy. This helps you create association with their happiness and your ecard. Let me explain you how? We normally remember two incidents occurring together, and associate them with each other. When your ecard reaches your buyer, he/she is emotionally very vulnerable. This creates an immediate impact on your buyers mind and you are associated in their mind as somebody who makes them feel good. That is your goal. Am I right? Search for a good and reliable website for free birthday ecards. Do not use any flashy designs. Use sober ecards with soft music and send it across with a short message. Next time, when you meet your buyer, you will notice a distinct difference in their behavior towards you. They will be friendlier.



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Break out of the teaching rut and teach english in hong kong

Speaking English is a major priority for the people of Hong Kong. The business world is always moving quickly, and global communication is vitally important. In order to compete effectively, Hong Kong emphasizes English education for everyone from childhood on up. Combine those factors with the fact that there's currently a shortage of native English speaking teachers in the country, and it seems Hong Kong might be the ideal location if you're considering teaching abroad. Qualifications If you've chosen to teach English in Hong Kong, there are a few basic requirements that you absolutely must have. In some countries, you can get away with some form of college degree and not much else. Hong Kong, however, has high expectations for their foreign teachers. First of all, in order to teach English in Hong Kong you must apply for an employment visa. The only exceptions to this rule are Australian and New Zealand citizens, who can technically teach in Hong Kong under the "Working Holiday Scheme." All others must have a visa in hand. Getting a visa to teach in Hong Kong may be a bit of a struggle, because there is a great deal of paperwork involved, so you'll want to start early. The Internet can be extremely helpful if you're at this point. Check out Hong Kong's government websites for more information. Before you begin applying for jobs, it's best to have TEFL certification under your belt. While not strictly a requirement, TEFL will open the doors to the best schools and give you a much wider range of job options - as well as a higher pay rate at the job you eventually take. TEFL certification is easy. Many colleges and learning centers offer a month-long certification program that teaches you how to handle yourself in a classroom setting. Aside from the job advantages, TEFL gives you confidence that can be invaluable, especially if you've never taught before. Finding a Job Hong Kong is one of several countries that have excellent online resources when it comes to finding jobs teaching English. Many positions are available through various online job boards which list the teaching positions by country, as well as through the Hong Kong government's website. With a little searching, you should be able to find numerous jobs for which to apply. Ask your school or TEFL certification program for job hunting assistance. Finding a Home One of the main drawbacks when you choose to teach English in Hong Kong is the fact that it may be difficult to find affordable housing. In many countries, the school that hires you will supply you with free teacher's housing; however, in Hong Kong this is not necessarily the case. Luckily, most teaching jobs in Hong Kong do include a "housing allowance" along with your regular paycheck, which is designed to help cover rent. Again, there are many online resources available to help. Check out Hong Kong housing websites for an idea of price ranges and areas available to you. If you've been hired, your school should be able to point you in the right direction as well. If you've decided to teach English in Hong Kong, you should prepare yourself for a challenging and completely new experience. The ability to spend large amounts of time away from your home country, as well as a sense of adventure and adaptability to new surroundings, will help make the experience a pleasurable and enlightening one.



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Bwcc2 coin collecting book

Coin Collecting Book: Handbook from the Valuable Cosmos The handbook from the universe is one that carries all the necessary information that every coin collector needs, literally speaking. The truth is that coin collecting books are “must-haves” for every coin collector because they provide all of the necessary information in that a collector needs to succeed in this type of leisure activity. Most of the expert coin collectors advise that every “newbie” in coin collecting should buy a book before he buys a coin. Engaging in this activity is not merely a “finder’s keepers” type of game. The argument of this concept is based on the premise that coin collecting is not an ordinary activity where people can just grab any kind of coin that they see. It is important to know the basics of coin collecting to appropriately categorize the kinds of coins that are fit for compilation. Not all coins are worth collecting, and there are coins that some people may not consider worthy are actually rare and valuable. None of these things would be disclosed to a coin collector if not for the information gained from coin collecting books. For those who wish to buy books but do not know what to look for, here is a list of the things that needs to be considered when buying: 1. It must give the historical account of the coins When buying coin collecting books, look for those that will give you a historical perspective of the kind of coin that you wish to collect. For instance, if you are going to collect U. S. coins, buy a book that will tell the history of the U. S. coins. 2. It must give you practical guidelines in “grading” coins It is necessary for every coin collector to have a book that provides information about the proper skills needed when “grading” coins. Grading is such an important skill that every coin collector must learn the skill if they wish to continue collecting coins and be successful doing so. 3. It must give you information about coins in a broad perspective Coin collecting books that talk about the different kinds of coins in the world is a “must-have”. These are especially helpful to those who do not have any specific country in mind. Books have always been man’s greatest companion as history unfolds. Coin collecting books are worth more than just being the collector’s friend - these books are also considered treasures in their own form.



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Stay in the know with google sms

The Short Messaging Service (SMS) from Google sends short, quick, text answers in response to your queries from an SMS-enabled mobile device, such as a cell phone. For example, you can look up phone numbers and addresses of local restaurants, do local phone book searches, compare prices from online merchants in Froogle to those you find in local stores, even look up definitions of words from the dictionary. SMS has long been a common means of mobile communication in Europe. It has been available in the US for some time, but hasn't been widely used. You don't need a phone with a web browser to use Google's SMS. Since the information is transmitted as text only, without graphics, only the ability to send and receive SMS messages is needed. At present, the service is only available only in English, through major US wireless carriers like AT&T, Nextel, Sprint, and T-Mobile.

Your service plan must allow for SMS messaging also. Use of SMS doesn't generally count against minutes under most plans, but both your SMS to Google and the answer received from Google will typically count towards messages allowed. Use of the Google SMS service is free at present, though of course users will need to pay any connection and messaging charges from their wireless carriers. Google SMS can be handy for travel in particular. For example, let's say you've arrived at your hotel, and really have a taste for Chinese food.

You may be able to use Google SMS to enter "Chinese food delivery" followed by the zip code of your hotel. Google will return, usually in less than a minute, a list of local Chinese restaurants that offer delivery. This is a nice alternative to looking in a phone book, where you may not know the city, and also is handy for situations where you may not be able to connect to the Internet easily. By Jakob Jelling http:// sitetube. com



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Are online credit card applications too easy

The days when the only way to get a credit card was to visit your bank in person are gone forever. Nowadays, it's even quite old fashioned to apply for a card by mail - it's much easier and quicker to apply online, and in many cases you'll even get an instant decision on whether your application is accepted or not. While this is obviously a great convenience, there is a downside to online credit card applications: they can actually be too easy, and can harm your credit rating. When you're offered the chance to apply for a credit card online, it's not always clear exactly what kind of customer a card issuer is hoping to attract. Each kind of card is aimed at someone within a range of circumstances, such as having a minimum income, being older than a certain age, or having a certain level of credit score. In the old days, your bank manager or financial advisor would only offer you cards which you had a good chance of being accepted for, but when you're applying online there's no one but yourself to check if the card is right for you. And, seeing as how applying online is so easy, it can be tempting to just apply anyway and see if you're approved. This can be a great mistake. Every time you're rejected for a card or other kind of finance, this fact is recorded on your credit file.

If you have a lot of rejections on your file and not many acceptances, this can actually make your credit rating appear worse, making it ever harder to have an application approved. Obviously, this isn't a desirable outcome and so how can you avoid it? The first step is to have a good hard look at the range of cards available with the features you want, whether it's a 0% balance transfer deal, a low APR or interest rate, or a great rewards program. The large number of credit card comparison sites on the internet make this a lot easier than it used to be. Once you've got a shortlist of cards to apply for, check the small print of the one you think is the best, and make sure that there isn't anything like a minimum salary which makes it impossible for you to be approved. If everything seems okay, then take an honest look at your financial circumstances and application history, and decide whether you think you've got a reasonable chance of being approved. Only after that should you actually go forward with your application, and you should only apply for one card at once. If your application is rejected, see if that card company offers a similar card with a higher interest rate - the acceptance criteria is likely to be looser on that card and so it may be worth applying for it. Alternatively, you could apply for a similar card from a different card issuer. Different companies have different ways of deciding whether to approve an application, so you might have more luck elsewhere. What you absolutely shouldn't do is keep applying for similar cards from the same issuer, as the acceptance criteria will be more or less the same, and you'll just keep getting rejected, with all the problems this causes for your credit rating. At this point, you have little choice but to set your sights a little lower and apply for a less attractive card, even if this means you'll have to pay more for the convenience of carrying a credit card.



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Avian influenza bird flu faq

As more and more cases of bird flu are reported, the world faces an immediate threat of a deadly pandemic. Pandemics (Global Disease Outbreaks) are known to be like flash floods. They start abruptly, spread fast and cause a lot of damage all over the world. A few facts that everyone should know: What is Avian Influenza? As the name suggests, avian influenza refers to the infection caused by avian (bird) influenza (flu) viruses. These viruses are commonly found in intestines of wild birds and these birds can carry the viruses without getting sick. However the viruses can be pathogenic to domesticated birds like chickens, ducks and turkeys. Domesticated birds become infected through exposure to other birds or through surfaces contaminated by secretions and faeces of the infected birds. These viruses are classified as Low Pathogenicity and High Pathogenicity. Most strains of Avian Influenza come under Low Pathogenicity Avian Influenza (LPAI) Group and produce mild symptoms in the infected birds. Common symptoms are ruffled feathers, decreased food appetite, decreased egg production, sneezing and coughing. Many times LPAI may go undetected. High Pathogenicity Avian Influenza (HPAI) has more severe symptoms which include sudden death, loss of energy and appetite, decreased egg production, respiratory problems, facial oedema (swelling), poorly formed eggs and diarrhoea. HPAI can reach a mortality rate of nearly 100%. What Is H5N1 strain of Bird Flu? All flu viruses are classified as type A, B or C depending on their structural arrangement. Type A is responsible for lethal pandemics and is found in both animals and humans. Type B causes local outbreaks of flu. Type C is the most stable of the three and infected people show only mild symptoms of flu. Type B and C are usually found only in humans. Type B and C are more stable than type A and are not classified according to their subtypes. Influenza viruses of type A are divided into subtypes and the naming is done on the basis of two proteins (antigens) found on their surface - Hemagglutinin (HA) and Neuraminidase (NA). Sixteen types of HA and nine types of NA exist. Thus a total 144 combinations are possible. Thus H5N1 is a type A virus and gets its name from HA 5 protein and NA 1 protein present on its surface. How Do Type A Viruses Cause A Pandemic? Type A viruses are further classified into strains. These strains can continuously evolve into different strains. Their ability to exchange genetic material with other viruses and create new influenza viruses makes them unpredictable and difficult to fight with. Humans have to develop new immunity (antibodies) every time new strains are created. Viruses cannot repair genetic damage, small changes known as "Antigen Drift", are continuously creating new strains of viruses. However when genetic material from Type A viruses from different species - say a bird and a human, comes together and merges, an entirely new strain is created. This is known as "Antigen Shift" Humans have no immunity to such a strain and the strain can spread rapidly causing a Pandemic. How Is The Virus Transmitted To Humans From Birds? Usually Avian Influenza viruses do not infect humans. Migratory birds act as carriers of these viruses and do not get affected by them. These birds then come in contact with domesticated birds such as chickens and turkeys and spread the infection to them. Domesticated birds may get the virus from contact with contaminated surfaces too. Once a virus infects domesticated birds, it can cause severe epidemic among the birds. Humans come in contact with infected birds or contaminated surfaces and pick up the virus. In the human body, this avian flu virus then undergoes an antigenic shift, combines with genetic material of a human strain of influenza virus and creates an entirely new strain of virus against which humans have little or no immunity. These genetic reassortments may also take place is the body of a third species (susceptible to both avian and human viruses) like the pig, where an avian influenza A virus and human influenza virus mix their genetic information and produce a new virus which might be able to infect humans. Why is H5N1 dangerous? The first reported cases of H5N1 infections were detected in geese in 1997 in Southern China. A total of 18 human infections were reported and six of them succumbed to it. The infection spread quickly to poultry in Hong Kong. At that time a million and half chickens were culled in Hong Kong to keep the virus under control. The virus disappeared for a few years, but resurfaced in 2002 in Hong Kong again. Since then it has killed millions of birds in Asia and many cases of human infections have been reported. The persistence of this H5N1 strain of virus is a great concern for humans. Although the virus does not spread from birds to humans easily, the severity of the infection of H5N1 in humans is frightening. The virus has killed every second person infected by it. These cases were reported in perfectly healthy individuals who had no past history of infections. However the greater concern for the world is the POSSIBILITY THAT THE VIRUS MAY MUTATE (UNDERGO ANTIGENIC SHIFT) AND CREATE A FORM THAT MAY SPREAD FROM HUMAN TO HUMAN. Such a strain of virus may result in a pandemic, killing millions of people worldwide. Is Consumption Of Poultry Birds Safe? Yes, it is safe to consume THOROUGHLY COOKED poultry products. The H5N1 virus is sensitive to heat and gets destroyed by normal cooking temperatures of 70- 100 degree Celsius. If meat from poultry birds and eggs are cooked properly, the virus will be destroyed. Just make sure that no part of the meat remains raw or uncooked. How Big Is The Risk Of A Pandemic Breaking Out? The world had to face a Bird Flu Pandemic, thrice in the twentieth century. In 1918-1919, "Spanish Flu" killed anywhere between 20 million to 50 million people (exact figures not known), including half a million in the United States alone. The "Asian flu" in 1957-58 killed 70,000 in the United States and in 1968-1969, the "Hong Kong flu" killed 34,000 in the USA. Currently the risk of H5N1 strain leading to a Pandemic is high. The virus is spreading fast to new areas and the efforts made to curtail it have proved inadequate. Domestic ducks have now become a "reservoir" for the virus. They are acting like a carrier for the virus - their bodies carry the virus without showing signs of any infection. Infected ducks then release large quantities of the virus in pathogenic form in their excretions spreading the virus to other birds or humans. This has made detection of the virus difficult especially in rural areas. According to health experts, the virus has already met the first two prerequisites for starting a pandemic. First it has attained a form, for which humans have no inbuilt immunity; and second, it has proved pathogenic enough to cause serious illness and death in humans. The present risk of a pandemic is very high. The only factor that has prevented a pandemic so far is that the virus has not mutated into a form that would allow it to transmit efficiently from one human to another. Once such a genetic change takes place for the virus, a pandemic will be inevitable. The first signs of such a reassortment will be presence of the clusters of patients with flu symptoms, closely related - both in time and space. This would be a clear indication of virus having the ability to transmit from human-to-human. Currently no vaccine has been developed for fighting H5N1 strain. Simultaneous work is being done in many countries for developing a vaccine, but no success has been achieved. The exact virus that may cause the pandemic cannot be predetermined. Thus mass production of vaccine before the pandemic starts is ruled out. The worldwide manufacturing capacity is inadequate to match the sudden demand surge during a pandemic. The best that scientists can do is to carry out a study and determine the smallest amount of antigen per dose that will provide sufficient protection and thus maximise the number of vaccines produced. What Are The Precautions Necessary To Prevent A Pandemic? The logical first step is to control the disease from spreading among birds, but this seems a difficult task now. Bird Flu has become a bird epidemic in many parts of Asia and is spreading fast. The Next step is to prevent the disease from getting passed on to humans. People who come in close contact with birds (like poultry farmers) are advised to keep a close watch on the health of birds, notify any sort of sickness in birds to the health authorities and avoid direct contact with sick birds in all cases. (Ducks have become a reservoir for the virus and may not exhibit signs of sickness even if they are carrying the virus.) In case the flu becomes a pandemic, most countries of the world will be affected. In such a scenario, the best preventive measures would be personal hygiene, avoiding crowded places and staying away from raw meat and eggs. A flu shot does not prevent bird flu, but it can protect a person from other forms of flu and avoid complications. Persons above 65 years of age, children, health services workers, people with chronic respiratory disorders, travellers to flu affected countries and pregnant women may consult a doctor regarding flu vaccination. What Are The Symptoms In Humans and Treatment Options For Bird Flu? A person infected by bird flu may have all symptoms of common flu like fever, persistent cough, sore throat and body ache. Moreover, there is a high risk of complications such as pneumonia, bronchitis, eye and ear infections and severe breathing problems. Presently four drugs are used to combat influenza. The most effective drugs known for seasonal flu are Oseltamivir (commercial name Tamiflu) and Zanamavir (Commercial name Relenza). Both of these are known to reduce severity and duration of seasonal flu, but they may prove ineffective if the virus is allowed to stay in the body for too long. Health professionals advise that TREATMENT OF FLU WITH THESE DRUGS SHOULD START WITHIN 48 HOURS OF FIRST APPEARANCE FLU SYMPTOMS. Oseltamivir and Zanamavir fall in the Neuraminidase inhibitors class. The surface protein Neuraminidase breaks bonds between new viruses and infected cells. By blocking the activity of Neuraminidase, these two drugs prevent the new viruses from being released. Another class of drugs - the M2 inhibitors is also available, but viruses develop resistance to these drugs quickly and thus these drugs may prove ineffective in controlling pandemics. Amantadine and Rimantadine are two drugs from this class. These drugs inhibit the activity of M2 protein, which forms a channel in membranes of viruses and thereby preventing the viruses from replicating. One should consult a doctor before taking any of these drugs as THESE DRUGS ARE KNOWN TO HAVE SIDE EFFECTS IN SOME CASES. For example, Zanamavir is not recommended to people having chronic respiratory diseases such as asthma. (This article was written on 25th January 2006 and may not contain developments that took place after this date.)



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Top 10 most popular kid birthday party ideas

Do you have a kids birthday party coming up and are at a loss for ideas? I've picked out the most popular party themes for boys and girls, sure to make your planning much easier! 1. Barbie Birthday Party Barbie, girl’s best friend, inspired young girls for decades. She and her friends are still the life of the party even today! 2. Batman Birthday Party Batman lives! As long as he continues in the hearts of those little caped crusaders and the parties go on and on, he never dies. Batman is eternal—and so are his parties - a Batman and Robin party is a real “smash” for little caped crusaders who like excitement and fun. 3. Care Bear Party Whether it is Cheer Bear or Bedtime bear, the Care Bears are always a wonderful addition to any child’s birthday party, especially girls. They are bright, lovable, fun, and cheerful, and always leave children and adults happy. 4. Birthday Construction Party The obvious decorative eye-catcher is having your home strung in “caution” tape, along with flashing safety lights. This will add a dramatic effect and will be a fun setting for children to play. The boys can wear their hard hats as they play in the construction site you have created. 5. Disney Princess Party No decoration is more elegant for a Disney Princess birthday party than a grand castle. Swirls of light-colored streamers adorn the grand ballroom. You can have the basement made up to look like the inside of a medieval castle with painted wooden or cardboard sets. 6. Dora the Explorer Party Dora the Explorer is a girl who loves to search, discover, and learn about and share with others. A Dora the Explorer party, then, should be fun as well as cultural and educational. 7. Hello Kitty Party Hello Kitty likes her tea parties, her scrumptious sweets, and her crafts. At a Hello Kitty party, you can have plenty of all three! 8. Incredibles Party The Incredibles were a super hero family forced out of action, but now they’re back! But it isn’t what they thought it would be. A whole new kind of adventure begins! An Incredibles party can be just as on-the-edge as the story. Let the excitement fly! 9. Spider Man Party Spiderman spins a web and has captured the imagination of people for decades. He still keeps kids cheering even today. A Spiderman party will keep the kids entranced right from the get-go! 10. Spongebob Party The decorations for a SpongeBob party should follow SpongeBob’s locale, namely the town of Bikini Bottom. Underwater motifs and imagery will place the kids in SpongeBob’s world, if even only for a couple of hours. I hope these ideas helped spark some ideas for your upcoming kids birthday party. Have a sensational celebration!



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How to implement golf fitness exercises into your golf swing improvement program

Over the last few weeks at BioForce Golf, we have had many questions about golf fitness exercises. Questions such as: are these type of exercises beneficial to someone who has had a lower back injury, what are the best types of exercises to improve my clubhead speed, and what flexibility exercises can improve my back swing? Through many of our free daily golf tips on our website, we have provided answers to these questions and many more. One area of golf fitness I get quite a few questions about revolves on how to implement golf exercises into a golf swing improvement program. Many of the individuals who come to our site are not experts in “working out.” I’ve written my golf-specific exercise manual, YOUR BODY & YOUR SWING, to help you develop a program for yourself. Probably one of the most-asked questions is: how do I go about introducing certain exercises into my golf fitness program? At times, certain individuals are unable to perform an exercise in its basic form. They are either out of shape, suffering from an injury, or too stiff to perform it correctly. A Russian Twist may be too difficult for a beginner to execute correctly.

It takes great core strength, endurance and flexibility to complete the exercise to the limit. In this type of situation there are “baby steps” you can take in terms of implementing such exercises into your golf fitness program. I like to call this the “position, movement, tolerance” training guideline. This is an easy methodology to follow in terms of implementing exercises into a training program.

We’ll use the Russian Twist exercise in my book, YOUR BODY & YOUR SWING, as an example. When you are implementing a golf fitness exercise(s) into your golf swing improvement program, you must be able to place the body in the correct starting position of the exercise. For example, if I were to have you perform a Russian Twist, first I would ask you to place your body in the correct position for the exercise. In this situation it would be knees slightly bent and placing your torso in a position where the “abs were turned on.” Hold it Right There! Just placing your body in the correct position for an exercise requires effort from the body. If you were able to place your body in the correct position, I would then ask you to “hold” this position for a certain amount of time. This would indicate you are strong enough to add movement to your golf fitness exercise. On the other hand, if you were only able to hold the starting position of the Russian Twist for 15 seconds before your lower back started to bother you, this is an indicator to me that this is where we begin your golf fitness program. I would have you “hold” the start position of this golf exercise for a certain number of seconds and sets. This would, over a period of time, develop more strength and endurance in those golf muscles. Once we have reached a good “hold” time on a golf exercise, we then progress to adding “movement” into the equation. Movement simply stands for range of motion (how much movement you can do). Every golf exercise has a certain range of motion you move through to get the greatest benefit for your golf game. In the Russian Twist example, a full range of motion would be a full shoulder turn to the left and right of center. Again, at the beginning you may be unable to make a full shoulder turn. So what do we do? We slowly work on increasing the “movement” within the golf exercise until you are at a point of full range. As with the idea of “position,” we do the same with the idea of “movement.” We gradually increase until you have achieved a full range of motion in the golf exercise. Once this is achieved, we move on to the final stage of implementing a golf-specific exercise. The final stage of implementing any golf exercise into your golf swing improvement program is “tolerance.” Tolerance can be defined as performing the correct number of sets and repetitions of a golf exercise for it to be beneficial to your golf game. No Pain, No Gain! The idea of “no pain, no gain” does not work in this situation. Rather, you want to be able to perform a self-prescribed number of sets and reps of every golf exercise in your program. This prescribed amount of work is up to you, the individual golfer, and what you feel is best for your body. Too little work will provide you no benefit. Too much work or following the “no pain, no gain” mind-set can increase the possibility of injury greatly. You need to use your best judgment on every golf exercise in your program. This will allow you to perform each golf exercise with the correct technique, develop (maybe over time) the correct range of motion of each golf exercise in your program, and finally take each exercise to “your own level of tolerance.” It is very easy to implement golf exercises into your golf swing improvement program. Follow the simple rule of “position, movement, tolerance,” and this should help you dramatically in the development of your golf fitness program. Once you’ve mastered the exercises and routines in your current exercise program, you’ll be ready to take it to the next level, a more advanced program. Sean Cochran



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The truth about weight loss myths

Lets face it every regime has its own supply of useless folklore and half-truths that get passed on down the line from person to person. But I'd put weight loss up against any of them for what has to be the most time wasting and even the most dangerous myths out there. There is a ton of free advice seen in the media these days and if it is taken seriously, can really set you back on your weight loss endeavours. This can lead to the kind of frustration that makes people think they are "destined to remain fat for the rest of their life". This in not true, Have a look at the Weight loss myths below and draw your own conclusions. Exercise on an empty stomach and burn more fat. Effective weight loss is the total amount of calories burned during the day, not how or why they were burned. It doesn't matter if it is night or morning, so exercise early in the day has no advantage to exercise later in the day. Studies show that increased metabolism induced by anaerobic exercise is actually less after a large meal. Which probably means that more energy is being used for digestion than what is being used to repair muscle. More exercise is better. Every exercise session is beneficial to each individual, however more is not always better. It depends on what is trying to be achieved. There is a level and frequency required to achieve results. After this level is reached, additional exercise can have the opposite effect, not allowing the body to recuperate and adapt to the stress induced by the exercise, which can be detrimental to your results. After stopping exercise muscle will turn to fat. This in not possible, Muscle and fat are two different types of tissues in the body and you cannot convert one into the other. This is like trying to turn water into oil. If you stop training, the muscles will shrink in size but they will not disappear. The more calories taken in that are not burned off will be deposited as fat. If you're not sweating, you're not working hard enough. Sweating is the body's way of cooling itself down. Many factors contribute to body temperature, including room temperature, types of exercise done, body-fat levels, clothing, and exercise intensity. The intensity for exercise can't be judged by the amount you sweat. A well-trained person will often sweat a lot because their body can more efficiently regulate heat. Taking sugar before exercise raises energy levels. Ingestion of sugar will lead to a rapid rise in blood sugar levels. This rapid rise stimulates a release of insulin, which quickly removes the excess sugar from the blood system, often causing your blood sugar levels to drop, sometimes below the level that it started at, leading to faster exhaustion. Gaining weight is just a part of getting older. Getting older is not an excuse for gaining weight! As we age and begin a more sedentary lifestyle we start to lose muscle mass. The efficiency of your metabolism is directly linked to how much muscle you have on your body. The most efficient way of maintaining your body's muscle mass and keeping your metabolism from dropping is by doing a high intensity strength-training workout once a week. If it's fat free I can have as much as I want. Unfortunately fat free doesn't mean calorie free. The word fat free is misleading because if you overeat on anything, even fat free foods and you don't burn off those calories; your body will store the excess as fat. Don't drink water when you exercise or you will get cramps. By drinking litres of icy cold water in one go while exercising you will probably suffer from cramps. This is why it is important to drink water continuously before, during and after exercising to replace the fluid you've lost and avoid any discomfort. By not having a personal trainer I wont make gains. Hiring a personal trainer is one way you can use to reach your goals, but you are an adult capable of making decisions and setting your own goals once you have the knowledge of how to go about it. Following a good exercise program and eating plan does not require someone standing over you and telling you how to do it. By exercising my abs I will lose my potbelly. Exercising your abdominals will help to tone and firm the abdominal region, but it will not reduce fat deposits that are responsible for a potbelly. Fat reduction comes from burning more calories than you take in. Fat is reduced uniformly throughout the body there is no such thing as spot reduction. Your next step? To take what you have just learned and the next time you hear a weight loss myth evaluate it scientifically.



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Beginner bodybuilding guidelines tips

1) The first thing an absolute beginner should do is visit his/her doctor and get the all clear to begin a workout program that will include cardiovascular and weight training. 2) Decide on what are your goals. Do you want to lose body fat and tone up or do you want to gain weight? Doing both at the same time can be achieved too but is very difficult and can lead to zigzag diets. 3) A general guideline is that if your body fat is below 14% you should be ok to bulk up and gain some weight and body fat. If you are above 14% then you should try to first lose some fat and then try to gain the weight. Generally anyone who has a body fat percentage of over 30% is considered to be obese. 4) Have a set nutrition plan before you begin training. 5-6 meals a day are an absolute MUST whether you want to lose bf or gain weight. 5) Have a set training regimen. If you have to, hire a personal trainer for a couple of sessions to show you how to perform the basic exercises. Ask for advice on your routines, either from knowledgeable people in the gym or in our forum. 6) Choose a gym that will have all the basic equipment (benches, squat racks, smiths etc). If you go during peak hours (5pm-8pm) you should try and join the gym with the most equipment around. This will help you finish your workout faster and not wait for someone to get off your machine. Make sure your gym has personal trainers and helpful staff. Cleanliness is also a MUST! 7) Don’t just go to the gym to train chest and arms! If you want your progress to be fast you MUST train all muscles at least once per week. 8) Do not tax your body with unnecessary time in the gym. Go in, train hard and get out of there as fast as you can! Growth takes place OUTSIDE the gym while you are eating healthy meals and while sleeping and resting. 9) Cardio training is a good tool for all beginners in order to help them gain some cardiovascular strength for strenuous weight workouts. 10) Always remember that you will progress faster if you contantly apply the following equation to your lifestyle: TRAINING + MEALS + REST = GROWTH! If one or more components are missing, growth simply won’t take place and you'll end up being very frustrated. Copyright 2006 Konstantinos Marangopoulos



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Work at home business tips

There are so many people who dream about working from home and being their own boss these days. Just step out of bed and drink their morning coffee while pondering through their e-mails. There would be no commuting, no one to distract you, and your focus would be total. It's not quite as simple and straight forward as that. Being solely in charge of yourself and your time is not as easy as you might think. The over confidence and surprise of unexpected issues can cause enormous stress and confusion. There is also the problem of being able to self-motivate without the pressure of the manager on your back. Many people find themselves more distracted and less productive when left to their own devices. When you work from home you are responsible for managing your own time. To organize yourself better and get more done try the following tips to successful time management as your own boss.

1. Make sure you have a separate work area in your home. This does not mean that you have to have a complete office in a private room. Just make sure you have a desk and all your accessories in a corner of one room. This will be your defined work area and everything you need should be in reach. 2. Understand how you work best. You really need to find the best place in your home that will make you the most productive. Make sure you are comfortable but not distracted by outside influences. 3. Be mentally ready to take on specific tasks. Make sure to plan your workday to fit your energy level. Be realistic on what you can accomplish. If you are a morning person then do the hardest things in the morning hours. Make sure to value your personal commitments too, these will give the breaks you will need to clear your head and get you energized. 4. Make sure you have the time to accomplish tasks by setting specific business time hours. Most people just figure that because you are at home you are available. This is not true. Interruptions are the biggest problems with the self-employed. Make sure that everyone knows when you are working and not to call by phone or in person. Put the hours you are available to and from on your website to allow customers to know when you will be there physically. Also let friends and anyone not business related know that during this time frame you will not be available for social calls. You must realize that this way of working takes a lot of negotiating, planning, and prioritizing. No matter what you do you will get that personal call or drop in while you are trying to work. You will also get that business call or e-mail after your specified hours. It happens to everyone. Don’t stress out. Take the emergency approach. If this is a personal or business emergency deal with it immediately. If it is something that can wait till an appropriate time then kindly let the person know.



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Car insurance top tips

The car insurance industry has got really competitive in the last few years, so prices haven't really changed much. There are now over 100 car insurers to choose from, so there are some very good deals out there for those who are prepared to shop around. 23% of motorists still choose to insure with the same company as the year before, but they could undoubtedly save money if they did check out some other companies. Motorists could be forgiven for not getting other quotes, it used to be a very laborious exercise involving long waits while getting routed through the call centre, and boring repetition of facts to sales advisors. Now, thanks to the internet, it's all a lot more simple.

Car insurers also offer extra discounts to people who buy online. However, you need to consider the quality of the policy, not just the price: • Check that your low quotation is not due to an extremely high excess. • Check that you will get a courtesy car if your car needs to be taken in for repairs. • Check that legal insurance cover is included, if you want it, and automatic windscreen replacement. • Find out if there is an accident help line in case of an emergency. It's a good idea to ring the insurer direct to talk through the policy in detail before signing up online. Money saving tips – recommended! You can get a quote with over 40 car insurers if you input your details into a good car insurance broker's website. You'll only need to give your details once. Call the insurer with the quotation to check exactly what is and isn't covered. If you have a garage, then you'll save by keeping your car there overnight. You'll also make savings if you can keep your car on a driveway. This is because there is more chance your car being broken into or vandalised if it's kept on the road. Give your insurer an accurate picture of how many miles you do each year – you will save if you travel less. Some occupations, like being a landlord, journalist or professional footballer (if only) attract higher premiums. You can save money if you work in finance or the civil service. Get married! Men under 30 pay more if they're not married – it's just the excuse your girlfriend is looking for! Under 25's pay more, but you can get lower premiums if can put a driver over the age of 25 with a good driving record on your policy as a named driver. That person must be under 60 though, as premiums rise again at that age. Agreeing to higher excess (the average cost is Ј100) will help lower your premiums. If your car is not of a high value, you could get third party cover and make quite a saving compared to fully comprehensive insurance. Pay as you go insurance is a new option for 18-21 year olds. It's a recent development introduced by Norwich Union, in which you pay a unit cost per mile. The cost per mile is more between 11pm and 6am. You pay an initial fee of Ј199 to have a Global Positioning System fitted to your car, and then it transmits details of your mileage direct to Norwich Union. They send you a monthly invoice and you pay for the miles you've done! Taking Pass Plus lessons to improve your driving abilities could save you around a third on your premiums. They cost Ј15 - Ј30 an hour and cover driving at night, in busy rush hour jams and fast motorway driving. You can find out more at passplus. org. uk . You can also improve your driving skills and make insurance savings with the Institute of Advanced Motorists ( iam. org. uk ). Find out the insurance group of a car before you make the purchase. There are twenty insurance groups – the slower and less desirable the car (to criminals) then the lower the rating. You could make considerable savings by choosing a car in a lower insurance group. If you want a high spec or performance car then you can expect to pay a lot more on your insurance. They're a lot more likely to be stolen or involved in an accident. Making the sensible choice might be a bit boring, but it will be a lot cheaper. Watch your speed. Most insurance companies will let you get away with a single fixed penalty fine but if you repeat the offence then your premiums will rocket. Protect your no claims discount as soon as you can (usually after four years). It costs a bit extra but it's well worth it. Satellite navigation in your car will lower your premiums. Insurers have found that people concentrate more on their driving and less on trying to find their way, which means less chance of having an accident. It's a good idea to have an engine immobiliser or alarm fitted not just because it could help you keep hold of your car, it will also make you a saving of 5-8%. If there's two or more cars in the household, get them on the same policy to get a good discount.



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How hidden error can affect your pc s performance

When you first get a new computer, it seems to run like a dream. With the click of a button you get lighting fast responses without any hesitation from your PC. But after about a month, all of that starts to change. You may experience slow execution times and unwanted shutdowns or glitches. If this sounds familiar, you are not alone. It is estimated that more than 94% of all new PCs have hidden errors that affect their performance in as little as one month after they are purchased and used. Sometimes, there can be as many as 200 or more errors on one PC. Al of these errors affect your computers performance and makes it difficult and annoying for you to perform simple computer tasks. There are many different problems that hidden error can cause ranging from the mildly annoying to the fatal.

Symptoms of hidden error can include crashes, glitches, data loss, error messages during application or at startup, and the dreaded blue screen. In some cases, hidden error can be fatal and can require a complete and expensive system overhaul. Hidden error occurs when you download programs from the web or install and uninstall software. You see, your hard drive is like a huge filing cabinet with several folders and files needed to perform just one software application or program. When you install and uninstall software, you can affect the way your PC sorts through this information, and these programs can leave unwanted trash that makes it difficult for the right information to be accessed. Unneeded files like old shortcuts to no longer existing programs, redundant files and invalid application paths can make it harder for your PC to perform.

Deleting old programs can also result in the deletion of files needed for other computer tasks. Another way that you can create hidden errors on your PC is by downloading programs and software from the internet that have hidden application files that unknowingly come along with them like adware and spyware. Adware is advertising software that you download right along with software programs and is most often found with free software programs. Adware works by delivering a stream of pop-up ads to your computer without your consent. While most of the time adware is simply annoying, it can sometimes cause hidden errors such as system anomalies and program incompatibilities that can do damage to your normal PC applications.

It can also hijack certain components of your operating software like your start page or toolbar. Once this happens, it is extremely difficult to get things back to the way they used to be. Spyware are software programs that you download onto your computer along with many other software applications. This software is then used to track your online browsing habits so that you can be “hit” with pop ups that you will be more likely to respond to. Not only is this software an invasion of your privacy, it also can compromise your data and affect your PCs performance. With all of these things causing hidden error and affecting your PC’s performance, you may wonder if there is anything that you can do to keep your computer running like new. I mean, you can’t stop using programs and installing and uninstalling programs is a part of every computer owner’s routine. So, what can you do to keep hidden error from compromising your PC’s performance? The answer may be as simple as using doctor software to fix hidden errors and prevent future hidden errors from occurring. This software can fix errors that cause problems; fix corrupted files, prevent hidden files from causing harm, and help you avoid formatting and common reboot errors easily. Not only will using software like this save you a good deal of headache and hassles, it will also save you time and money. Finding and fixing hidden errors can be time consuming, because they are just that: hidden. In some cases, you can search and search only to never find the culprit. Other times, you find the problem but can’t fix it because it is too complicated or there are programs that will not allow you to delete or change the program. Dr. software can do all of these things for you with a few clicks of your mouse. And it saves you money because you will avoid having to call an expensive technician. So, if your PC has not been acting like itself lately, do a quick scan with doctor software to search for hidden errors. In most cases, you can scan your system for free, and you can’t beat that.



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