Will Key42272

10 Terrific Tips for Web Design Beginners.

2008-03-07T11:49:00.000-08:00

When embarking on the daunting journey to web design enlightenment it can be hard to know where to start. This short article is intended as a roadmap, outlining the significant tips all aspiring web designers should be made aware of. If you follow each of the following tips you will be well on your way to web design nirvana. However, you may possibly be an intermediate, or, hold your breath, advanced web designer well if that is the case, be humble my good friend, peruse the following tips and you may surprise yourself and pick up a thing or two. So saddle up to your computer chair, make yourself a coffee, drink some chai tea if it tickles your fancy (it s certainly not my cup of tea), assume the full lotus position and prepare to be digitally enlightened.

-- TECHNICAL TIPS --

1. LEARN XHTML - Extensible HyperText Markup Language.

If you dont already know, XHTML is the markup language that every individual web page is made out of. Right click on your screen, and click on view source. Feel like Neo already? Yes, thats right folks; every web page you view is simply a plain text file full of code stored on some dudes computer (sometimes otherwise known as a web hosting server).

Dont be scared, XHTML is quite possibly the easiest programming language you can learn, so easy in fact XHTML isnt technically classed as a programming language. Dont take the red pill and learn Dreamweaver it may seem the easier option at first, but being completely honest once you learn XHTML you can create web pages in half the amount of time than it takes to in Dreamweaver, and you have more control over the final layout. Additionally, Dreamweaver adds quite a lot of unnecessary code and as a result increase the file size of the page, slowing down the loading time for all those poor sods still on dial up Internet. You can write XHTML code in a plain text editor, such as notepad, or notepad++ ( my favourite), however word processors such as Microsoft Word are entirely unsuitable.

If youre rich, unlike me, pick up a cheap ( recent) XHTML book, otherwise browse Google for XHTML tutorials, or head over to http://www.w3. org/MarkUp/Guide/ for a brief introduction to writing XHTML by Dave Raggett.

2. LEARN CSS Cascading Style Sheets.

Stop torturing you with all these programming languages you say? Dont fret my friend, CSS is only a little more advanced than XHTML and most books on XHTML also cover CSS. CSS is the language that controls things such as the colour, background images, font attributes, and so on. The beauty of using CSS is you can control the aesthetic features of multiple web pages with a single CSS file.

If you would like another wonderful online tutorial, head over to http://www.w3.org/MarkUp/ Guide/Style for a brief introduction to CSS, by Dave Raggett also.

3. LEARN PHOTOSHOP.

All web designers know how to use Photoshop. I was actually born with a Photoshop watermark on my upper left thigh. If you are aspiring for a web design career you are going to need to learn Photoshop, hell even my Nan knows how to use Photoshop. So Google away for Photoshop tutorials, or browse your local library to spice up your Photoshop skills.

The best piece of advice I can give you is to make up all of your web page designs in Photoshop first. Once you are entirely happy with the design start slicing and dicing your photoshop file for the images you will need, and coding the web page in XHTML and CSS. This saves stuffing around with markup code unnecessarily; its much easier to make changes to layout and colours, etcetera, in Photoshop first.

4. USE CSS INSTEAD OF TABLES FOR YOUR DESIGNS.

If you already know a thing or two about web design you are probably sick to death of hearing about using CSS instead of tables for your layout. Well Im going to give it a brief mention anyways for all those web design n00bies out there. Use CSS to control your layout, dont use HTML tables for your design. Tables add tons of unnecessary code, are time consuming and expensive to make changes to once the site is completed, and only affect the layout of the single page you are working on as opposed to using a single CSS file that affects the layout of any page you want. Dont bust your knuckles by typing the same code over and over again.

5. USE VALID XHTML AND CSS.

Valid XHTML and valid CSS is code that validates with the World Wide Web Consortiums coding rules. There is plenty of information on how to ensure your code is valid over at http://www.w3.org. It is important to keep this in mind, as most web design employers will not touch web designers with a ten-foot clown pole unless their code adheres with the standards of the W3C.

-- THEORETICAL TIPS --

6. LEARN ABOUT GRID THEORY.

Grid theory is basically the design theory that suggests that works of art are more aesthetically pleasing if they adhere to some sort of grid that controls its layout. Additionally, the rule of thirds, which is a theory that is related to grid theory, (its sort of like the relative that no one wants to speak to at family functions because of a foul and unpleasant body odour), suggests that designs are even more aesthetically pleasing if their visual form can be divided into thirds. When designing web pages in photoshop, I always start with a grid first to ensure my layouts align to the grid.

7. LEARN ABOUT TYPOGRAPHY.

Typography can be defined as the study of fonts. Learning about typography will teach you when and where to use fonts. Learning about letter spacing (kerning as they like to call it), line height, the serif and sans serif font categories, and more, youll have a truly lethal understanding of fonts in your web design arsenal.

It is important to keep in mind that there is only a small range of fonts that will display in peoples web browsers, so dont rely on primarily using custom fonts in your designs, unless you plan on saving them all as images which can drastically increase the file size of your web site. Site visitors arent going to download custom fonts just to view your website the way you want them to, even if you are super polite. If you stick to using the following fonts for the actual text in your web page, you will be safe: Arial, Arial Black, Comic Sans MS, Courier New, Georgia, Impact, Times New Roman, Trebuchet MS, and Verdana. If you want to be an extra lame nerd like me, you should print out all the variations of these fonts (in bold, italic, different sizes, etc) and stick it on your wall.

8. LEARN ABOUT COLOUR THEORY

Before I continue any further I must offer one small piece of advise. Please please please do not email me and tell me that I have spelled colour wrong. If you do so, I will slap you with a salami. Every time I write one of these articles I seem to get at least one email from a silly sausage that doesnt realise words such as color and optimize are spelled differently in different parts of the world. Well, on with the show.

Colour Theory, is, well, the theory of colours. There are many theories on how to choose a nice colour palette, and these will help ensure your web site wont have the appearance it was designed by a colour blind blind-man. Without getting into too much detail, one nice colour scheme to use is a monochromatic colour scheme. A monochromatic colour scheme is a selection of colours that features a colour (lets say cerulean blue), tints of that colour (cerulean blue with more white), shades of that colour (cerulean blue with more black), black and white colours (yes black and white are classified as colours my learn-ed friends).

A nice little tool to help you choose your colour scheme can be located at http://wellstyled.com/tools/colorscheme2/index-en.html. Mmmm, free tool.

9. GET INSPIRED

Browse the net for good web designers, dont steal their designs, but analyse their designs and try to figure out what fonts, colour scheme, grids, and photoshop techniques they are using. A simple way to use this is search for web design in Google, and browse the portfolios of the top web design companies that come up in the search results. Digital art and poster websites also serve as good inspiration.

However you dont need to restrict your sources of inspiration to the Internet. On the rare occasion when I venture out of my web design cave to eat something other than baked beans on toast, I like to analyse what grid, colour scheme, and font types that restaurants like to use in their menus. But hey, put me in a sack and throw me down a river if you think Im just crazy.

10. PRACTISE PRACTISE PRACTISE

I shouldnt have to say this but practise whenever you can. The more you practise, the sooner writing XHTML and CSS code will become a second nature to you, and you should also practise utilising the information from the various theories I have just mentioned too.

A good tip would be to make one web page template a week and submit it to http://www.oswd.org and other online free web page template directories. Its a great way to improve your skills, and develop a nice little portfolio too.

Well thats just about it for today, my avid readers. I hope the useful tips in this article have helped you well on your way towards web design enlightenment. If you need more information on any of the topics I have mentioned please dont forget that Google and Wikipedia are your friends. And finally, please, never let yourself forget There is a difference between knowing the path, and walking the path.

This article was written by Justin Daniel, who operates his small web design business- NFX Web Design http://www.nfxwebdesign.com.au, located in Newcastle, Australia. This article may be reproduced and published if it contains a link back to NFX Web Design, but not edited in any way without the permission of its author.

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Buying a FranchiseUnderstanding Your Options

2008-02-26T03:02:00.000-08:00

So youre considering buying a franchise. Whether youve found a particular franchisor to work with or youre just drawn to the notion of having a franchise, looking at all your business ownership options is a critical step in your process of due diligence.

Besides the obvious - product(s), marketplace, competition and site selection - there are many other considerations that must be weighed in determining the right business for you.

Here are some of the initial questions I asked myself when I researched business opportunities:

* What are my income objectives?
* How quickly can I generate that income?
* What initial investment, or start-up capital, will I have to put up to get my business started?
* How much can I expect to pay in overhead costs?
* How much can I expect to pay in stocking inventory?
* How long can I survive financially without seeing a profit?
* What is my financial position; can I get financing?
* How much risk am I assuming by entering into a particular business?
* What are my areas of expertise?
* Will I be restricted by a particular territory in which I can do business?
* How much personal sacrifice will be required of me and my family as I build my businesshow committed am I?

My Objective

Lets be honest here. Business ownership isnt for everyone. And some are better equipped than others to deal with the myriad of challenges which will inevitably arise throughout the life of any business.

In this article I will focus on one particular segment of research I conducted while investigating various business ownership options; the comparison I made between buying a franchise and the particular alternative I ultimately chose - becoming an independent distributor with a direct sales organization offering big-ticket information products with high profit margins.

The aim of this article is to share with other prospective franchise buyers my experience with this particular direct sales option as an extremely viable and cost-effective alternative to purchasing a franchise.

Income Potential

While individual franchisors may make income claims, I have learned there are no known studies that examine the return on investment in franchising as an industry. It is safe to assume the franchisors income projections will be optimistic. Speaking with individual franchisees about their individual experiences is critical in establishing realistic projections with which you can work and upon which you can depend.

It should be noted that several years ago, franchisors regularly quoted on the success rate in franchising in comparison with independent businesses. Quotes of these old statistics are rarely now seen due to their flawed nature and the determination they simply were not valid. In fact, a few years ago the International Franchise Association went as far as making a recommendation that franchisors stop using those debatable statistics.

That being said, while no exact figures are known it is generally believed that the annual gross income for a typical franchise is somewhere in the range $75,000 - $125,000 (before taxes).

Although I cant speak to the income potential for the entire direct sales industry, I can speak for the direct sales opportunity I selected. At a minimum $1,000 commission per transaction and as much as $10,000 commission per transaction with minimal business and overhead expenses, income potential is substantial. Most distributors are qualified and in an income earning position within a couple of months; some in a matter of days. Many individuals, in periods of less than 2 years, have experienced income of six figures per month. Many more individuals have quickly (within 1 to 2 months) achieved five figure monthly income levels.

Initial Investment

The average initial franchise investment is $250,000, not including real estate. Part of that investment is your initial franchise fee. As stated in the FTCs A Consumer Guide to Buying a Franchise, your initial franchise fee, which may be non-refundable, may cost several thousand to several hundred thousand dollars. Paying this fee generally allows the franchisee to use the franchisors name and business system for a specified period of time.

Conversely, when I started as a distributor with the direct sales organization I chose, I was only required to pay a distributor fee of $99 per year. Paying this distributor fee gave me the right to act as an independent distributor for the company, while being in business for myself. It also provided me with administrative service, training and support for my business.

Serious direct sales distributors (I consider myself among them) for the company I represent choose to invest in their businesses. Initial investments within my direct sales organization, including marketing, advertising and product ownership, generally run between $2,000 and $20,000. This range is a significantly smaller investment than required in a typical franchise situation.

Overhead & Operating Costs

When purchasing a franchise you can expect significant expense to build your store, or at the very least build out an existing structure.

Other considerations with franchises are signage, furniture, dcor and office equipment. If signage is required it may require special zoning approval by your city government, which can be an additional expense in time and money not to mention a major hassle.

Additional franchise costs to consider are special insurance, operating licenses and royalties fees. Royalties fees alone will cost 4-8% of your total sales every month (regardless, of course, of whether or not youre yet seeing a profit in your business). These expenses can easily add up to tens of thousands, to hundreds of thousands of dollars depending on the franchisors requirements.

In the case of the direct sales option I selected, there is little overhead cost involved and there are no unusual insurance, operating license or royalties fees requirements. I am able to conduct my business from an office in my home (which, of course, I write off on my taxes) or from anywhere in the world where I have access to the internet, using a dedicated phone and fax line and a personal computer. And I must repeat there are no royalties fees.

Inventory

Stocking inventory for a typical franchise opportunity can, again, cost in the range of tens of thousands to hundreds of thousands of dollars. The cost of warehousing that inventory can range anywhere from a couple dollars per square foot to hundreds of dollars per square foot, depending on whether your inventory will be located onsite in a high-rent district or offsite in an industrial location and also depending upon your local real estate market.

Because in my direct sales business I offer an information product, there is no inventory involved. There are no lotions, potions, pills, books, CDs, tapes or DVDs to inventory - or to ship, for that matter. The products are offered online and delivered online. Not only does this make for an extremely convenient business, it offers the distributor an extremely high profit margin from which to draw a very attractive commission.

How Long Can You Survive Without Profits?

As a franchisee, if we look at the example with an average investment level of $250,000 and an assumed annual gross income of $75,000 - $125,000 (before taxes), your break even would happen around 3 years. Obviously, in the meantime you would need to have enough cash to sustain yourself, your family and your business.

Conversely, with the direct sales opportunity I chose, all you need to do is get past your first two initial sales and youre making money right away ($1,000 to $10,000 per transaction).

Your Financial Position & Getting Financing

Among the very first considerations to be made when considering a franchise is your own financial position. Dealing with financial skeletons in the closet ahead of time can save you a great deal of time, hassle and disappointment.

For example, do you know your credit score? Are you intimately familiar with the specifics of your credit record? How much personal capital do you have available to invest in your business?

Once youve chosen a particular franchise it will be necessary for you to put together a business plan that you can bring, along with a draft copy of your franchise agreements, to your lender(s) of choice. Your business plan will include such subjects as your ventures goals and objectives, your financial projections, the background of management, and a market analysis describing your products, services, competition and projected business life cycle.

Fortunately, the direct sales avenue I took requires very little financial commitment. While some business owners are able to fund their businesses themselves, others needing to borrow the initial cash required - from lending institutions, family or friends - have found the small initial investment ($2,000 to $20,000) quite effortless to raise (even when there have been skeletons), certainly in comparison to raising franchise funding in the neighborhood of hundreds of thousands of dollars. Typically, financing in this range will not require a business plan.

Risk

A franchise agreement is a lot like a prenuptial agreement, in that it describes in detail the nature of the franchisees relationship with the franchisor including under what circumstances that relationship can be terminated.

However, keep in mind that the franchise agreement is primarily designed to protect the franchisor not you, the franchisee. And more often than not there is an uneven balance of power involved with the weight of power being on the side of the franchisor (not you, the franchisee). In fact, while most franchise agreements allow the franchisor to easily terminate their relationship with the franchisee if certain obligations are not met, most franchise agreements make it very difficult, if not nearly impossible, for a franchisee to terminate the relationship.

Other risks involved in buying a franchise include the potential of defaulting on the sizable loan youll likely need in order get your business off the ground, additional financial requirements for third-party leases or sub-leases of property, as well as the simple reality of cash and inventory theft, in some cases by employees.

My direct sales business carries very little risk, if any at all. My distributor agreement requires that I conduct myself ethically, professionally and with integrity. No problem there. It requires that I not misrepresent the company or its products. No problem there either. For those of us who choose to fund our businesses with loans, the principal amounts were talking about (between $2,000 and $20,000) are insubstantial in comparison to loans for operating a franchise. Because we operate our businesses from our homes, we neednt enter into third party leases or sub-leases of property. And theft is simply not a factor because we dont have employees and we dont have physical inventory!

Expertise & Professional Assistance

When choosing to buy a franchise, mistakes can be especially costly. As such, professional guidance is critical. Identifying your strengths and weaknesses early in the game will help you determine the specific areas in which professional assistance will be necessary and what this assistance will cost.

For example, what is your business experience and background? Do you have experience managing people? If so, do you enjoy this aspect of running a business?

And unless you are a CPA, you will absolutely need an accountant. Similarly, unless youre already a lawyer, youll need professional legal advice preferably from a lawyer specializing in franchise law.

The beauty of the direct sales option I selected is that it requires no business expertise whatsoever. We follow a simple business system directed by our company which, when followed, allows pretty much anyone with any background to build a successful business.

Employees

Unless you plan to work 120 hours a week juggling the responsibilities of your franchise, you will need employees. The type of employees youll need will, of course, depend on the franchise. You may need employees with management experience, employees with specific skills or just high school students getting minimum wage.

Whatever kind of employee you need, you can count on a few things. First, as dedicated and professional as an employee might appear, they will not run the business as if it were their own (so youll really need to keep a close eye on things!). Second, as I mentioned above under Risk, whenever there are employees there is also theft (sad, but true). Third, whenever there are employees, there will be employees who call in sick, employees who simply dont show up when scheduled, and employees who quit (or get fired) unexpectedly. Fourth, whenever there are employees there is Workers Compensation insurance.

This is another area in which I came out ahead by selecting the direct sales opportunity I chose. No employees. Period.

Territory

Most franchise agreements involve some sort of territory designated in which you can operate. Some will have provisions for exclusivity within that territory.

On the contrary, the direct sales opportunity I chose has absolutely no designated territory. The entire globe wherever there are telephones and internet access is my marketplace. Because the product we offer has mass appeal, and is accessed and distributed via the internet, this makes for a huge, long-term business opportunity for distributors like me.

Personal Sacrifice

Last, but certainly not least, how much personal time and energy are you prepared to invest in your franchise?

Unless youre prepared to hire management staff right from the start, your franchise is likely to require many hours of your personal time for an extended period of time. From time to time, it is also likely you will find yourself covering for employees during unexpected absences and during times of employee turnover.

It is extremely important to have realistic expectations of the personal sacrifice that not only you, but your family, will have to make in order for your franchise business to get up and running and ultimately reach a point of profitability.

It is advisable to plan in advance by arranging an emergency family support network to cover minor unexpected family emergencies as they arise. Thinking ahead about who will transport a child to and from a weekend Little League game or from daycare during the week will reduce family stress on a day-to-day basis. That being said, keep in mind there will be times when your emergency family support network will be unavailable to come to your aid.

It was for these very reasons that I chose the particular direct sales business I joined. I choose the number of hours I work per day on a schedule that works for me. I do this from the comfort of my home, with no employees to worry about I have complete flexibility for my family and I make virtually no personal sacrifices for the sake of my business (except for a cluttered office!).

In Summary

I considered business ownership for many, many years. But, I like to sleep at night. I realize I havent covered all of the pitfalls that must be considered in purchasing a franchise. But, these are primarily the ones that kept me awake at night, ultimately causing me not to act.

But, theres good newsWhat it comes down to is this: There are alternatives to entering into encumbering franchise agreements, tying up large sums of cash, carrying massive debt obligations and committing countless hours of precious time and lost sleep in the interest of creating a substantial income-producing business.

While there is no one-size-fits-all business model, the direct sales business I selected offers the executive level income opportunity I desired without the worries and uncertainty involved in purchasing a franchise.

Today I have what is best suited to me: I am an independent business owner representing a high integrity company offering quality, practical information products with that I can enjoy a fantastic income, flexibility and freedom of time, virtually no risk and most importantly, peace of mind.

I wish you well in finding what is best suited to you.

Your Feedback

I hope you found this report useful. Im very interested in your feedback concerning this report, as well as any related experiences you wish to share. You may contact me at 978/358-7108 or email me at wealthwithma@comcast.net.

Wishing you much success!
-MaryAnn Waring

MaryAnn Waring is a work-from-home entrepreneur with a business background of over twenty years. If youd like to learn more about MaryAnn, you may visit her at http://www.wealthwithmaryann.com

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Trusting Abundance

2008-02-24T18:38:00.000-08:00

How do we trust enough to trust abundance? Its a koan or at least a dilemma. A few nights ago, a friend shared how he recently worked with his fears and limiting beliefs around money, trust, and abundance.

For six years he had been at a lossliterally, unable to figure out why he was living in poverty while everyone around him seemed to manifest abundance so easily. A few weeks ago, he decided to stop asking why and started to simply walk the walk of abundance. It started with his awareness that he was out of integrity with himself and his church. His church asks its members to agree to tithe 10% of their earnings to charity. Although he had made the agreement, he had been skimping, telling himself that he didnt have enough money for food or rent so how could he possibly give 10%?

When he confronted this, he made a decision to tithe 10% anyway, even if it meant going hungry. He made one other behavioral change to stop reinforcing his fear of lack. He stopped letting his gas tank get dangerously close to empty or even running out of gas. From the moment he stopped letting the fear of lack control him, his business began to boom. Within two weeks, he was booked with work for the next three months and has since given the overflow to other contractors.

So how do we trust enough to trust God/the Universe? This is where faith and working in concert come in. Faith means allowing God/the Universe to provide even though we cant know ahead of time how things will work out. Faith is trusting, even with our fears and limiting beliefs. Working in concert means not sabotaging God/the Universe through behaviors that reinforce our fears and limiting beliefs. It means acting as ifas if we have perfect faith, as if it will all work out, as if we can help ourselves and others even when we dont see how.

This is what my friend did by tithing and by filling up his gas tank. He behaved as if his fears and limiting beliefs didnt have to be true or run the show anymore. I acknowledge him for his hard-won mastery of trust. He is an inspiration.

Jane Straus is a trusted life coach, dynamic keynote speaker, and the author of Enough Is Enough!: Stop Enduring and Start Living Your Extraordinary Life. With humor and grace, Jane offers her clients and seminar participants insights and exercises to ensure that the next chapter of their lives is about thriving as the unique individuals they have always been and the extraordinary ones they are still becoming. She serves clients worldwide. Please visit her at http://www.stopenduring.com. She is also the author of The Blue Book of Grammar and Punctuation, http://www.grammarbook.com, an award-winning online resource and workbook with easy-to-understand rules, examples, and exercises.

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Demand Increases for Bangkok Apartments

2008-02-23T13:06:00.000-08:00

CB Richard Ellis reported that according to the latest figures from the Alien occupational Control Division, Department of Employment there were 65,337 expatriates based in Bangkok with work permits as at August 2006. This represents a 12.9% increase on the total in August 2005.

The growth in expatriates has increased demand for residential rental accommodation in Bangkok both for apartments and condominiums.

The work permit figures exclude diplomatic and United Nations staff and the 52,045 expatriates with work permits for locations outside of Bangkok. Some expatriates whose place of work is outside of Bangkok for example on an industrial estate will live in Bangkok and commute to their place of work.

Japanese nationals account for 22% of work permits in Bangkok followed by Indians (12%) Chinese (9%), and British (8%).

CB Richard Ellis forecasts that there will be limited new apartment supply in the Central Business Districts with only about 870 units under construction.

There are13,347 condominium units under construction and CB Richard Ellis estimates that 40-50% of these new condominium units could be available for rent.

Much of the existing supply of apartments and condominiums is now more than ten years old and CB Richard Ellis classifies many of these as being grade B in terms of quality.

Rents for grade A or luxury condominiums and apartments have been rising at a faster rate than grade B developments.

We see the gap between grade A and grade B rentals increasing, said Mr. Theerathorn Prapunpong, Associate Director and head of Residential Leasing Services at CB Richard Ellis.

CB Richard Ellis is seeing strong demand for well designed new projects especially mid size three bedroom units of between 150-220 square metres which are achieving rentals of 70,000 - 85,000 baht per month.

Queens Park View Residence a 36 unit new development recently completed on Sukhumvit Soi 24 is already 83% occupied. Much of the demand for this development has come from Japanese tenants who have been paying average rents of between 60,000 - 80,000 baht per month for 2 and 3 bedroom units of 91-150 square metres.

CB Richard Ellis expects that demand from tenants will continue to be strong for well located, well designed apartment and condominium developments in Bangkoks prime locations.

Competition grows in Bangkoks Serviced Apartment Sector

The total supply of serviced apartment units in Bangkok grew by 11% on an annual basis and occupancy rates dropped by 8%, according to CB Richard Ellis.

Owners were able to increase rental rates for grade A serviced apartments but at a slower rate.

Future supply will continue to increase which could put downward pressure on both occupancy and achieved room rates.

The total supply of serviced apartments increased to 8,744 units a further 3,500 units are under construction and more projects are at the planning stage.

Most of the new supply will be grade A in terms of quality.

Occupancy increased slightly quarter on quarter but fell year on year from 88% to 81%.

Average rents increased by 2-3% for grade A developments on a year on year basis the growth rate in rentals has slowed due to the increase in supply.

CB Richard Ellis believes that based on the forecast increase in supply competition will increase. Much of the new supply is grade A in terms of quality and will be managed by international operators and this will put pressure on older developments.

The Sathorn area appears to be the most competitive location at the present time rental rates have fallen by about 2.7% year on year and occupancy by about 18% year on year.

CB Richard Ellis Thailand

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What Is The Body Mass Index And Why Do We Care?

2008-02-23T01:44:00.000-08:00

The Body Mass Index or BMI is a standard measure of a persons height to weight ratio. It was invented in the 19th century in Europe by a social scientist. However it did not become popular in North America until the 1980s, when health problems related to overweight conditions started to occur. The appeal of the BMI is that it provides an easy way to assess whether we are too thin or too fat. In theory it works for males and females, and short people as well as tall people.

How it works

The body mass index value is obtained by dividing a persons height by the square of their weight. By itself the BMI is just a number and does not really tell us anything. This is like the temperature scale. For example, 90 degrees Fahrenheit doesnt mean much to people in Europe who use the Centigrade scale. However once you realize that 20F is cold, and 90F is hot then it starts to make more sense.

Similarly the BMI values need to be interpreted to have meaning.

Less than 18.5 - Underweight
18.5 to 25 - normal
25 to 30 overweight
30 to 40 obese
Over 40 very obese

In this way the body mass index can give us standard way to assess how thin or how fat we are.

Is it accurate?

A lot of people, including doctors, use the index value for medical assessment, which was not the original purpose of the BMI. In our temperature example, what feels hot for one person, another might consider only warm. The same problem can arise with the BMI. This is especially true if you have a borderline value like 26. You may not in fact be overweight at all, depending on a number of other factors.

Other weight influences

The BMI does not take into account things like body frame type or muscularity. Some people are born with a larger body frame, and have a greater bone and muscle mass. Likewise a body builder would have more muscle and a higher BMI value than an average person. Other things that can influence your BMI value are gender and age.

Your ideal body weight?

The body mass index values are frequently used to construct an ideal body weight chart. If you are using one of these charts to compare your own weight to the ideal, try to find a chart that takes some of the other factors (especially body frame size and sex) into account. Otherwise the result may not be appropriate for you.

Conclusion

The BMI is useful as an approximate measure of a persons thinness or fatness, but should not be taken as an absolute indicator of health. Since BMI is calculated using only a persons height and weight it ignores the other factors mentioned above. Some experts claim that the resulting error in BMI values is significant and it should not be used at all in this way. Consult your physician if you think you have a weight problem, and he or she will provide you with the best advice.

Michael Stapenhurst is a long-time runner and walker and is co-author of the book "Marathon Training Tips". He is a contributing author to the 'Get In Shape - Fitness For Women' website at http://www.getinshape.ipcor.com. Learn more about keeping fit and healthy diet on the web pages 'Ideal Body Weight' ( http://www.getinshape.ipcor.com/body-ideal-weight.htm ) and 'Best Diet For Life' ( http://www.getinshape.ipcor.com/best-diet-for-life.htm ).

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Choosing the Right Typing Tutor for Your Kids

2008-02-22T05:55:00.000-08:00

There is no one important skill than the typing skill in today's computer oriented world. From the server in a supermarket to a CEO in a corporation, from a clerk in a company to a president in an enterprise, typing skill is necessary. As well as a home worker, the typing skill is important, however. So the earlier you master the typing skill, the more advantage you take.

For your kids, typing skill is just as important as writing. Writing can help your kids communicate with others free, also typing skill is the same effect, even more convenient, however. Nowadays, kids live in the computer world, and they communicate with others by internet, such as email, msn instead of the tradition communication mode: letter. Then teach your kids typing skills when they are young, and typing skill will become second nature to them.

Kids learn things easier than adults. But for kids starting learning typing skills, they just "play" with the keyboard. This is a waster of time for them and, worse, kids get into the bad habit of typing with two fingers. However, if kids can learn correct typing techniques with proper finger placement and movement and without looking at the keyboard, no more hunt and peck and two finger typing. It will help them with school work: do research, surf the web, write papers, and save time with school work!

Apparently, choosing the right typing tutor for your kids is so important. The typing tutor is to help your kids develop a good typing habit in their earlier age. Once kids develop a good typing habit, their typing speed and accuracy can develop.

Here, list a few advantage when choosing a right typing tutor.

First, the typing tutor must be easy to use. For kids, they have no more computer skill, and then the typing tutor may give kids easy instruction how to use it and how to take practice as well.

Second, the typing tutor must be fun. For kids' nature, they like funny things and are willing to learn what they are interesting in. As parents known whether children want to learn a thing or not largely depends on whether they are attracted by it. Based on this, the typing tutor must be appealing to children. Once children love and develop interest in it, they will learn to type on their own initiative.

Third, the tying tutor must have rich features. For kids, they are always fond of the colorful interface things and like to do the thing when playing. So the typing tutor should offer rich features for them. When kids learn to type, they can enjoy the playing pleasure, as well as the study pleasure.

Fourth, the typing tutor may include a complete course for learning to type. After all, parents want kids to learn typing, and master the typing skills. So the typing tutor not only offers the course from the basic keys to the sentences, but also offers the course from typing practice to typing test. Kids can start learning typing with individual letters, then move smoothly on to words and complete sentences. Children can advance at their own pace, without pressure.

Finally, the typing tutor should offer typing games. Generally, kids naturally like to play games, because when playing games, they are always attracted by the colorful interface and pretty music in the games, and above all, they're able to learn something quickly under no pressure.

Finding an effective typing tutor for your kids is necessary. When your kids develop their interesting in learning typing and, they master the typing skills quickly. To find a right typing tutor for your kids, visit GS Typing Tutor at http://www.typingstar.com/

June Shu http://www.typingstar.com/

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The Immigration Asylum & Nationality Act 2006 - Summary Of Changes

2008-02-20T20:26:00.000-08:00

The Immigration Asylum & Nationality Act 2006 is the fifth major piece of legislation in the field of asylum and immigration since 1993.

Commencement

The Immigration Asylum & Nationality Act 2006 received Royal Assent on the 30th March 2006 and by virtue of a second commencement order, the main provisions took effect on 31 August 2006 by virtue of the Immigration, Asylum and Nationality Act 2006 (Commencement No.2) Order 2006.

Appeals

The first sections of the Act are concerned with appeals and impose new restrictions on the right to appeal against Home Office asylum or immigration decisions. The most significant is section 4 which limits the right of appeal against refusal of entry clearance to cases in which the application for entry clearance was made either for the purpose of entering as a dependant or a visitor - in both cases limited by reference to regulations made by the Home Secretary. Significantly, there will no longer be a right of appeal against refusal of entry clearance as a student.

Section 1 inserts a new section 83A into the Immigration, Nationality and Asylum Act 2002 to introduce a new right of appeal for people who are no longer recognised as refugees but who are permitted to stay in the UK on some other basis. Section 2 amends section 82(2)(g) of the 2002 Act to provide a right of appeal against a decision to remove under section 10(1)(b) of the 1999 Act. This will give the person a separate right of appeal at each of the two decision stages; the first at the revocation stage and the second at the stage the decision to remove is taken. Section 3 amends section 84 of the 2002 Act. It provides that an appeal under the new section 83A may only be brought on the ground that removal would breach the United Kingdom's obligations under the Refugee Convention. Section 4 substitutes one provision for Sections 88A, 90 and 91 of the 2002 Act which limits all appeals against refusal of entry clearance to limited grounds (human rights and race discrimination), with the exception of those listed in the categories. By section 6 a person may not appeal against refusal of leave to enter the United Kingdom unless: (1) on his arrival in the United Kingdom he had entry clearance and (2) the purpose of entry specified in the entry clearance is the same as that specified in his application for leave to enter. Section 89 of the 2002 Act restricts rights of appeal against refusal of permission to enter at the port of both visitors and students who do not hold an entry clearance. This restriction limits the grounds of appeal to human rights and race discrimination. If the appeal is exercised in the UK it is restricted to asylum. A right of appeal remains in all cases on both human rights and race discrimination grounds.

Section 7 provides powers to hear only human rights aspects of national security appeal cases in country with the national security aspects of the case.

Employment

Section 15 imposes civil (and not criminal) penalties in the form of fines on employers of persons over the age of 16 subject to immigration control in defined circumstances. A person is subject to immigration control if he requires leave to enter or remain in the United Kingdom under the provisions of the Immigration Act 1971. The defined circumstances are that:

(1) the employee had no leave to enter or remain or

(2) his leave was invalid, had expired or otherwise prevented him from accepting employment.

Provision is made in Sections 16 and 17 for objections on the part of the employer to the imposition of a penalty and for appeal to a County Court against such an imposition.

By section 21, if the employer knowingly employs an over-16 subject to immigration control he commits an offence which is punishable (on indictment) to imprisonment for a term not exceeding two years or on summary conviction for a term not exceeding 12 months and/or in either case to a fine. If the employer employs an individual without permission to work allowing on the spot fines of up to 2000 per illegal worker.

Section 23 imposes an obligation on the Home Secretary to issue a Code of Practice specifying what employers should do to avoid:

(1) liability to civil penalties,

(2) the commission of offences under section 21 and

(3) discrimination which would be contrary to race relations legislation.

Information

Section 27 relates to provisions on detention and examination of passports and other documents produced by passengers or those found on them while being examined under Schedule 2. It also provides a new power to enable immigration officers to require passengers being examined under Schedule 2 to provide biometric information such as fingerprints for the purpose of ascertaining whether a passenger in question is the rightful holder of the passport or other document he produces. Section 29 imposes stricter time limits on people seeking asylum to attend for fingerprinting than on people in other categories.

Section 32 gives the police powers to require advance information about passengers and crew or freight of ships and aircraft arriving, expected to arrive, leaving or expected to leave the United Kingdom. Existing powers of the H.M. Revenue and Customs to obtain such information are by Section 33 is extended to ships and aircraft arriving or expected to arrive in the United Kingdom.

Section 54 broadens the exclusion clause in 1F(c) of the Refugee Convention. Provides that where the Secretary of State rejects an asylum claim wholly or partly on the basis of Article 1F, the Asylum and Immigration Tribunal or the Special Immigration Appeals Commission (SIAC) must begin its deliberations on the asylum aspects of any appeal by considering whether or nor Article 1F applies and if it does it must dismiss the appeal in so far as it relies on the Refugee Convention.

Section 55 empowers the Home Secretary to issue a certificate declaring that the appellant is not entitled to the protection of Article 33.1 of the Convention because one or other of the exclusions applies. If such a certificate is issued, the Asylum and Immigration Tribunal is required by section 55 to begin its hearing of the appeal by considering the contents of the certificate. If the Tribunal agrees with the certificate then there will be no necessity to consider the evidence which the appellant would otherwise adduce in support of his asylum appeal. In other words the Tribunal is now able to dismiss an appeal on this preliminary point.

Provisions on citizenship

Section 40(2) of the British Nationality Act 1981 empowers the Home Secretary to deprive a person of British citizenship if he is satisfied that that person has done something prejudicial to the vital interests of the United Kingdom or a British overseas territory. Such an order may not be made if the person concerned is thereby rendered stateless. Section 56 of the 2006 Act amends the wording so that the Home Secretary must be satisfied that deprivation of citizenship is conducive to the public good Section 2 of the Immigration Act 1971 defines "right of abode in the United Kingdom" as extending to British citizens and to Commonwealth citizens who acquired that right before the commencement of the British Nationality Act 1981. By section 57 the Home Secretary is empowered to deprive a person of the right of abode if he thinks that it would be conducive to the public good for the person concerned to be excluded or removed from the United Kingdom.

Various provisions of the British Nationality Act 1981 deal with the registration of persons as British citizens or as British overseas territories citizens. Section 58(1) now precludes the registration as a citizen of any description of any person falling within the categories concerned unless the Home Secretary is satisfied that the person concerned is of good character.

Ian Mann is an employment and immigration barrister. He was called to the Bar in 2000. He specialises in employment disputes and public law matters involving immigration and other areas of judicial review.Free Ipod Give Away
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Salvation - Comparing Islam and Christianity

2008-02-18T14:46:00.000-08:00

The doctrine of Salvation or Soteriology is our focus for this comparative study. More specifically how Muslims (followers of Islam) and Christians (followers of Christianity), view Salvation and its inherent requirements.

The word Salvation can have many different definitions to various people and religions.

The definition for salvation we will be using comes from The American Heritage Dictionary of the English Language, Fourth Edition ;

1. Preservation or deliverance from destruction, difficulty, or evil.
2. Deliverance from the power or penalty of sin; redemption.

In plain English, we will define salvation as what it takes to get into Heaven or Paradise.

We will investigate the following questions.

1. What do the religions of Islam and Christianity teach in regards to salvation?
2. How is salvation gained by an individual?

The Koranic quotations are taken from by Abdullah Yusufali's translation titled The Meanings Of The Holy Qu'ran unless otherwise noted.

The Biblical texts will be from the Holman Christian Standard Bible, again unless noted otherwise.

By examining what both the Qu'ran and the Bible have to say on the topic of salvation we find that both use the word Grace to describe a mechanism of God's gift of Salvation.

Qu'ran Surah 8:29

O ye who believe! if ye fear Allah, He will grant you a criterion (to judge between right and wrong), remove from you (all) evil (that may afflict) you, and forgive you: for Allah is the Lord of grace unbounded.

Bible Deuteronomy 7:9

Know that Yahweh your God is God, the faithful God who keeps His gracious covenant loyalty for a thousand generations with those who love Him and keep His commands.

Grace shall be defined as the following:

1. a special favor
2. the prerogative of mercy exercised (as by a chief executive) or granted in the form of equitable relief

Merriam-Webster's Dictionary of Law, © 1996 Merriam-Webster, Inc.

Grace is a therefore receiving something we did not deserve or earn through our own actions.

Islam and Christianity diverge however on our need for salvation based on their understanding of Sin.

Christianity teaches that all men and women are born in a fallen state and thus have no hope of the righteousness demanded by God. The Doctrine of Original Sin states that Adam by his conscious description to disobey God ushered death into the world.

Therefore, just as sin entered the world through one man, and death through sin, in this way death spread to all men, because all sinned. Romans 5:12

[The effects of this first sin were] (1) "shame, a sense of degradation and pollution; (2) dread of the displeasure of God, or a sense of guilt, and the consequent desire to hide from his presence. These effects were unavoidable. They prove the loss not only of innocence but of original righteousness, and, with it, of the favour and fellowship of God. The state therefore to which Adam was reduced by his disobedience, so far as his subjective condition is concerned, was analogous to that of the fallen angels. He was entirely and absolutely ruined" (Hodge's Theology).

For all have sinned and fall short of the glory of God. Romans 3:23

Men and women don't just have a sin nature, they are conceived with a sin nature!

Indeed, I was guilty [when I] was born; I was sinful when my mother conceived me. Psalm 51:5

Thus the Biblical understanding of Sin, and our need for Salvation is one of desperation. Salvation is a condition that man can not resolve on his own. As evidenced by Jesus' reply to his astonished Disciples after His rebuke of the rich young man as recorded in all three Synoptic Gospels.

Those who heard this asked, "Who then can be saved?" Jesus replied, "What is impossible with men is possible with God." Luke 18:26-27

The Qu'ran like the Bible, states that Adam sinned by disobeying God and eating the forbidden fruit. Adam and Eve admitted there sin and begged forgiveness. Allah forgave them, but also punished them with a mortal existence on Earth.

They said: "Our Lord! We have wronged our own souls: If thou forgive us not and bestow not upon us Thy Mercy, we shall certainly be lost."

((Allah)) said: "Get ye down. With enmity between yourselves. On earth will be your dwelling-place and your means of livelihood,- for a time."

He said: "Therein shall ye live, and therein shall ye die; but from it shall ye be taken out (at last)." Surah 7:23-25

Islamic Theologians teach that the nature of man is basically good, but prone to following this own will and not the will of Allah.

Qu'ran Surah 12:53

"Nor do I absolve my own self (of blame): the (human) soul is certainly prone to evil, unless my Lord do bestow His Mercy: but surely my Lord is Oft- forgiving, Most Merciful."

M.S. Laher in A Living Faith Published by I.M.S states regarding the Islamic understanding of the nature of man As made by God, man is innocent, pure, true and free. He is not sinful by nature. He is born free from any so called "Original Sin," By nature he inclines to do righteous deeds. He is given true understanding about his own position in the universe and about God's goodness, wisdom and power. That is man's true self - just as it is the nature of the lamb to be gentle and of the horse to be swift.

But man is caught in the web of customs, superstitions, selfish desires and false teachings. These make him unclean, false, slavish, greedy, lustful and selfish. It is these that make him have strong desires for things that are wrong and forbidden. Man is diverted from the love of his fellowman, and the pure worship of the One True God. The problem is to cure this crookedness and to restore human nature to what it should be under the Will of God.

The Christian view of Sin is that due to Adam's sin all men are born with the propensity to sin.

The Islamic view of Adam's sin is of a personal nature, what Adam did is not applicable to anyone but Adam. That our sin is personal and men have the ability to not sin and thus follow Allah's will.

The first step, which until now had been unspoken and that is Faith. What are the requirements of Faith?

The Muslim to be must first express his faith in Allah and his prophet Muhammad. The convert needs to make a declaration, known as la-shahaadatain. This declaration of faith has two parts one swearing fealty to Allah and the acknowledges his messenger Muhammad.
The Arabic transliteration is as follows;

1. Ash-hadu alla ilaaha illallah
2. Wa ash-hadu anna Muhammad-ar-rasool ullaah

The English translation would be :

1. I bear witness and attest that there is no god worthy of worship but the One God Allah
2. I bear witness and attest that Muhammad is the messenger of Allah
For the Muslim this is the required first step.

The Christian is called to an expression of faith in a similar fashion; Romans 10:9 states If you confess with your mouth, "Jesus is Lord," and believe in your heart that God raised Him from the dead, you will be saved.

John 1:12 further states but to all who did receive Him, He gave them the right to be children of God, to those who believe in His name,

Paraphrasing the two verses they say, believing and confessing that Jesus is Lord and Saviour makes you a child of God. The words used are far less important than the sentiment expressed.

The Bible teaches that Christians are saved out of the loving kindness of God's good grace, nothing else is required.

But God, who is abundant in mercy, because of His great love that He had for us, made us alive with the Messiah even though we were dead in trespasses. By grace you are saved! Ephesians 2:4-5

The Qu'ran actually has three additional criteria that must be met, these are

1. deeds
2. leading each other to the truth
3. leading each other to patience.

All of these are expressed in the 103:1-3. We will discuss only one of these requirements for brevity's sake and that will be deeds.

Qu'ran Surah 103:1-3

By (the Token of) Time (through the ages), Verily Man is in loss, Except such as have Faith, and do righteous deeds, and (join together) in the mutual teaching of Truth, and of Patience and Constancy.

At puberty a ledger of good and bad deeds starts accumulating. This ledger of deeds is used by God to judge the persons fate. Islam teaches that our good deeds can position us to receive mercy, and thus admission to Paradise. The Muslim can never know which side of the scale is holding the heavier balance. That of his good deeds possibly leading to Paradise or that of his evil deeds pointing to Hell.

Qu'ran Surah 23:101-103

Then when the Trumpet is blown, there will be no more relationships between them that Day, nor will one ask after another! Then those whose balance (of good deeds) is heavy,- they will attain salvation: But those whose balance is light, will be those who have lost their souls, in Hell will they abide.

With no assurance they have done enough good to earn their way into Paradise,outside of martyrdom, Islamic concept of grace is more a reward than a gift.

The Christian can take solace in the words of our Lord and Savior Jesus Christ as recorded in John 5:24

"I assure you: Anyone who hears My word and believes Him who sent Me has eternal life and will not come under judgment, but has passed from death to life.

The Greek word translated as has is echo (ekh'-o) and means to have, to own and to possess. Christ tells us we can be assured we are His. In Christianity the Child of God HAS everlasting life.

To summarize the questions we set out to answer;

1.What do the religions of Islam and Christianity teach in regards to salvation?

The Muslims need for a Saviour is non-existent due to the ability of each individual to choose to not sin. Islam teaches that humans are generally good by nature. Thus Salvation is a foreign concept in Islamic teachings.

The Christian teaching of Sin and are the need for an unblemished, right before God sacrifice, dictate the need for a Savior.

2.How is salvation gained by an individual?

The Muslim must have faith in Allah, do more good than bad, teach each other truth and patience.

The Christian must make Jesus Christ Lord of their lives.

Clyde Annach is the operator of uhho, Clyde's been thinking again! Web log.Please feel free to write me at clydesblogs@gmail.com or visit my Web Log at http://uhho-clydes-thinking-again.blogspot.com/.Apartment For Rent Los Angeles California

How to Increase Your Return on Investment by Organizing Your Music

2008-02-15T16:25:00.000-08:00

How many times have you said to yourself?
* This music keeps falling off the piano.
* Where is that song? I can never find the page.
* When am I going to do something about this music?
* I'm tired of stopping in the middle of the piece just to turn the page.
* I can't believe it, the recital was only three weeks ago, and I forgot how much I liked that piece.

Think about how frustrated you have been by trying to deal with the majority of your musical material constantly in such a mess!

Think of how many times you couldn't face going to the piano simply because the thought of pulling your music together was far too overwhelming.

Wouldn't you like to maximize the return on the investment that you have made and continue to make in your musical development?

As they say in the business world:

What's your ROI (Return On Investment)?

After countless hours of practice, many years of piano lessons, hundreds of dollars spent on instruction and sheet music, you're stuck, frustrated and immobilized.

Why not take advantage of your freer summer season schedule to stay connected to your musical favorites?

Here's how: just follow this simple step-by-step method:

1. Pull all of your music books together into one place
2. Look through one book at a time to remind yourself which pieces you enjoy playing and mark each piece with a post-it note or paper clip
3. Make photocopies of each selection
4. Sort all of the music into stacks of categories.
5. Here are some suggested types of groups:
a) Classical and popular styles
b) Fast and slow tempos
c) By composer, group or singer
d) Key signature
5. Pick an organizing system
a) Looseleaf books with non-glare page protectors
b) Pocket folders (put labels on the front)
c) File folders: staple each piece onto a folder and put these into a portable filing system
6. Experiment: once the music is organized in one of these three ways, you can change the order or arrangement of music for a few practice sessions until it feels satisfying.

One Final Note

Organizing your music is a surefire method for increasing your return on investment.

Yes, it will take some effort, but it will really pay off.

You will have created a dependable tool which is guaranteed to energize your musical growth and development.

You will gain a whole new perspective on practicing the piano, and you'll feel great about yourself!

It's Not Too Late!

Copyright © 2007 by Ed Mascari
http://www.edmascaripianostudio.com
ed@edmascari.com
508-651-2590 (Natick Studio)
Mail: 57 Hunter Ave, Hudson MA 01749-3043

Ed Mascari has been teaching piano privately to children and adults for nearly three decades. He is a seasoned performer (pianist/ jazz organist) of show tunes, jazz and popular music as well as a published classical composer and church musician. Ed combines his extensive experience to guide students in a variety of styles as he helps them achieve their unique potential.Pumpkin Recipe Seed Simple

The Super Affiliate Handbook: A Must Have For Affiliate Marketers

2008-02-13T19:29:00.000-08:00

If you need something that can help you with affiliate programs, you will need the Super Affiliate Handbook by Rosalind Gardner. This is a book that contains comprehensive information on how you can make a lot of money from the Internet.

Many people have said that there is no money in promoting affiliate programs. However, Rosalind Gardner begs to disagree. She is one of the most respected affiliate marketers in the world. The book she wrote, The Super Affiliate Handbook, contains comprehensive information on how you can make profit on promoting affiliate programs.

Affiliate programs are known throughout the Internet as one of the best ways to make money online. Besides, with affiliate program, you can make money even if you dont have any products or services to sell. Affiliate programs work by promoting a product or service of a particular company that your website is affiliated with. You make money for every referral you make from your website.

In fact, Rosalind Gardner earns 100% of her income from the Internet by promoting affiliate programs. With hard work and dedication, she made her sites earn about $30,000 to $50,000 each month. And, in 2002, she earned over $400,000 by affiliating with Internet merchants and selling their products online.

Whoever you are, you can start your own online business by just promoting only affiliates. You can even say goodbye to your boss and be independent by just starting your own business through the Internet.

Another benefit of going online and starting your own business is it can give you all the time you want. You will be able to spend a lot more quality time for yourself, for your family, and for hanging out with friends.

The Super Affiliate Handbook has helped countless people to start their own businesses online. Being an affiliate marketer will definitely easier with this handbook. It will teach you all the how's, when's, and where's about being an affiliate marketer.

This handbook will show you the step-by-step process on your way to success by being an affiliate marketer. It is also easy to understand and you can really learn from it.

Here is a glimpse of what you can expect in the book:

The importance of making a business plan
How to decide if you have what it takes to start your own online business
Software recommendations by the author
How to determine the bad products and the good products to let you sell effectively.
How to market the affiliate products

These are just a glimpse of what you can expect in The Super Affiliate Handbook. There are more things that you can learn from Rosalind Gardner's The Super Affiliate Handbook and there are more things that you can know about making money on the Internet by being an affiliate marketer.

The coverage of this book is so great that many people have been successful because of the information provided by it. You too can now become successful by just knowing how to do the right things by being an affiliate marketer. With this book, you will have everything you need to know about being an affiliate marketer. You can expect that by following everything in this book, you can be on your way to success and also on your way to freedom.

Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information checkout http://www.turnkeyaffiliateprogram.com and http://www.killeraffiliateprogram.com.Santa Cruz Condos

Does Your Sales Training Program Address Your Sales Performance Issues? Part 1

2008-02-12T16:01:00.000-08:00

Heres a Proven Method to Target Sales Skill Training to Resolve Sales Performance Issues

Sales training programs encompass a variety of necessary components; things like company policies, sales paperwork, CRM/sales force automation orientation, sales processes, company services, sales skill training and product features and benefits.

But when I ask Sales executives and Sales trainers how their current sales training program is aligned with their sales performance issues I get the look of No speak English.

Lets first categorize Sales performance issues. There are (4) distinct sales performance silos that will effect the overall outcome of any sales team, year in and year out. They are:

% of Sales reps to Quota
Average New-hire Ramp-to-Quota in months
Sales Employee Turnover rate
Time spent versus Result achieved

This is a good place to start in determining what sales skill training to implement to achieve a measurable return on investment. But heres what will set you apart when you walk the request up to the front office. Start out with the NUMBERS.

Thats right. Take a diagnostic view of your current sales performance silos, one by one.

Lets look at a real sales performance issue example of Average New-hire Ramp-to-Quota. I recently conducted a Sales Performance Improvement Blueprint web-cast for this sales organization.

The company was hiring 155 sales reps per year. The ultimate objective of any new-hire sales training program is to ramp the new sales rep to Quota. Simply, give them everything they need to effectively reach their monthly sales goal.

So how was this company doing? They were obtaining this ultimate sales training program objective in 7 months. So how does one determine if that training outcome is a Sales Performance Issue? Lets take a look.

Step 1: Run the Numbers for any realistic ROI opportunity

Each new-hire rep had an ultimate quota of $3500
Sales Cycle was 17 days
Average customer term agreement of 36 months
Average 'Sub-Quota' revenue per month during ramp of $1300 (This number reflects the average monthly revenue a new-hire achieves before they achieve quota attainment)

Step 2: Run the Numbers hypothetically for a 1 month improvement

In this case, I showed the sales management team what return on investment they would get by helping just 1 sales rep achieve full sales quota in 6 months versus 7 months. Based on their numbers my diagnostic system showed them a ROI of $79,200 just by trimming off 30 days. If they did that for all 155 of their annual new-hires, they could realize $12,276,000.

And that got their attention. So, is it now a worthy sales performance issue to attach pin-point sales training to? Not quite yet.

Step 3: Run the Numbers for a Reality Check

The most successful businesses and certainly, sales departments have identified their Key Performance Indicators (KPI); individual gateways that directly effect the outcome of a particular process. Then they measure the competency ratios in line with them.

A good KPI example in the sales process might be how many times you advance the first sales appointment to the next phase, whether thats a demonstration, a site visit, a survey or a proposal. Another KPI is how many times you gain a new customer once the first gateway is passed. And when you do gain a new customer, whats the average revenue you achieve? And how long does it take to gain a new customer on average; i.e. sales cycle?
How about how long it takes you to gain 1 new sales appointment, defined by sales prospect conversation? And as a by-product of all this, how many new appointments are needed each week?

We ran these numbers in the system to see if and where there were some leaks in the KPI ship. And heres what we discovered; not a leak, but a big ole fire hose.

Two KPI issues were apparent. First, why does the ramp-to-quota for a new-hire take 7 months when the average sales cycle is 17 days? Second, they were only setting 3 new appointments per week when they needed to set 6, based on their other KPIs. So their sales appointment activity barometer was only running at 50%. And that will dictate a longer ramp-to-quota.

Dig a bit deeper in the system and out popped a 6% conversation-to-appointment ratio; they had to conduct 15 prospect conversations to get 1 new appointment.

OK, back to the Reality Check. Is it realistic to focus on reducing the new-hire ramp-to-quota from 7 months to 6 months for a sales training ROI of $12,276,000 or $79,200 per rep?

You bet it is. These folks needed to address the front-end of their sales process; setting targeted sales appointments. To do that, they needed (1) establish an activity standard to reach quota by month six and (2) develop a sales prospecting methodology and supporting system to spend less time in achieving it.

Then they needed to plug their sales prospecting system into their current sales training program and work to a weekly sales appointment activity goal to assure a monthly revenue result by month 6.

Step 4: Set the Goal and Train to It

A sales training ROI goal of $12,276,000 or $79,200 per rep is for sure a worthy one. And the diagnostic system showed us they would meet this goal just by setting 3 additional sales appointment per week per rep; 6 appointments versus 3.

Actually, I lied. The system showed an even brighter picture if the sales appointment activity standard of 6 new appointments per week was met. If they could support their new-hires with a sales prospecting system that could help them achieve 6 new sales appointments per week, they would actually cut their new-hire Ramp-to-Quota by 4 months; from the current 7 months down to 3 months.

And that sales training ROI would be $316,800 per rep or a whopping $49,104,000.

One of the reasons why sales training fails is a failure to define a useful objective. In this case, our diagnostic method has defined a single useful objective for them to train to. And this same diagnostic method can be utilized if you have a Sales Performance Issue of an unacceptable percentage of Sales reps reaching Quota each month.

In Part 2, we will take a look at (2) other sales performance issues, Sales Employee Turnover rate and Time spent versus Result achieved with this same sales management team and see what our diagnostic method to sales performance improvement and ROI turns up.

Jeff Hardesty is a National sales speaker, Sales performance improvement consultant and the Developer of the X2 Sales System, a blended sales prospecting training system that teaches sales professionals the competency of setting targeted C-level business appointments. Table Thailand Thailand Vegetarian

10 Tips for Selecting a Domestic Cleaning Company

2008-02-11T17:15:00.000-08:00

1. Looking for a domestic cleaner? the best place to find a local domestic cleaning company is either through your local press or online. I recommend doing a search online as this way you can find further infomation on the company by clicking through to their websites. Try websites such as Gumtree, Adzooks, Yell.com or Google - if using Google make sure you stipulate your search area within the search box.

2. Don't just rely on a web form for any enquiries you may have. Give them a call. By speaking to an actual employee of the business you can get a feel of who you are dealing with.

3. Always ask how quickly they can find you a cleaner. 24 - 48hrs should be the minimum length of time it takes to find you a cleaner. Any longer than this and I recommend you give them a wide berth. Why? Well in case of emergencies i.e. your cleaner is offsick, you need to know that they will be able to find you a replacement in the shortest time possible.

4. Find out what their vetting procedure is. A good domestic cleaning company should be able to provide references for each of their cleaners. If they also provide police background checks this is an added bonus.

5. Find out if their cleaning staff are regularly trained. A common misconception made by some cleaning companies is that anyone can clean, this is far from the truth. Cleaning staff need to be trained in the little things - i.e. buffing taps to a shine, removing marks from walls, cleaning switches etc. The little things really do matter.

6. Ask if they provide their own cleaning materials. If you are going to use a domestic cleaning company you may as well pick one that also provides cleaning materials. This means you do not have to worry about having the correct materials for the tasks at hand. This is also a more cost effective solution as you do not have to fork out extra to pay for cleaning products.

7. Make sure they are ensured for both Public and Employers Liability.

8. Find out if they have a contract which you need to sign. Read each clause carefully. Some companies will not pay for loss of keys nor damage to your property so be aware.

9. How do they maintain standards? Check to see if the have a system of checking that the work provided by your cleaner is of a high standard.

10. Try and get some sort of service level guarantees from the company you pick. For example if you are not happy with the work provided do they come back and redo the work for free or offer some kind of discount. Generally companies that offer this type of guarantees tend to be more customer focused.

There you have it! Top ten tips to help you pick a domestic cleaning company you can trust.

Visit http://www.kleen-point.co.uk for further information on Kleen Point.

Ere Abbey Hart is Managing Director of Kleen Point, a leading provider of Domestic and Commercial Cleaning Services in Birmingham, UKWhen The Pyramids Were Built

Essentials Of A Photography Lab

2008-02-10T03:16:00.000-08:00

When people take a picture, this has to be brought to the shop so it can be developed. When a professional photographer takes shots, some of these individuals have a photography lab inside where this can be done.

But the photography lab is better known as the dark room. This term is given because the film can only be extracted under dim conditions rather than opening this and having the film exposed.

But how does the process from shooting a picture become an image? For this, the dark room must have the proper equipment in order for it to be developed.

Upon taking this out of the camera, the film, which is called a negative, is placed on a holder. Once in place, this can now be made bigger using an enlarger. Most models come with a timer to be able to regulate the amount of light on the image.

Photographic paper is what people receive when the shots have been developed. This is held using an easel and the light from the enlarger will make this image appear on paper. To avoid making any mistakes, a n image magnifier is used to double-check the settings before proceeding to the next stage of the process.

After a few minutes, the finishing touch will be putting this on a developing tray that has some chemicals in it that will make the picture clearer. This is hung to dry and when completed, can be shown to people.

People will usually get two things from the developer. The first are the pictures which may come in 3 x 5, 5 x 7 or larger. The second are the negatives, which must be brought again to the shop so this can be redeveloped.

The practice of developing film hasnt changed that much through the years. The only difference is perhaps the age of digital photography that has allowed individuals to develop this using a printer. This has given hobbyists and others the option of having the developing done in dark room or done at home.

The dark room doesnt occupy that much space in the studio. It should just be enough to set the equipment and hang the pictures to complete the entire process. Those who find this too difficult can just have this done somewhere else.

The person shouldnt feel bad asking others for help because some of the well known photographers in the field have been doing this more frequently due to time constraints and other projects.

This content is provided by Low Jeremy. It may be used only in its entirety with all links included. For more information on photography & other useful information, please visit http://photography.articlekeep.com Farming Terrace

How To Negotiate When Buying A Car

2008-02-09T03:28:00.000-08:00

I recently purchased a new vehicle when visiting my son and was able to use some of my negotiating techniques:

1.Be Prepared and Do Your Research

Being prepared is of the utmost importance. Before even going to the showroom, one should first look at the ads in the newspaper and look at car sales at Edmunds.com or a similar website. That will give you an idea what is available and the going prices. In my situation, we actually went to the lot after it was closed and looked at the cars that we liked and saw the prices. One car model had a special discount of $7000. There was also a special for zero percent financing. The next day we called and asked the receptionist about the $7000 discount. She told us that the $7000 discount did not apply if using the zero percent financing. However, she did tell us that there was a $3000 dollar discount if one used the zero percent financing. That was useful information because we knew that the $3000 discount was a given and we would have to negotiate to get a higher discount. If you are not prepared, dont go to the showroom yet. You need to know what you want before you get there.

2.Bring A Friend and Give Him/Her A Role.

Buying a car should be a team effort. Bring a friend or relative or two. In my case, I brought my son and very pregnant daughter-in-law. We each had a role. Whatever was said my daughter-in-law was supposed to say. Lets go home and think it over. Sometimes the deal that the dealer presents sounds so good that it is tempting to accept it on face value. We had agreed beforehand that no matter what the deal was, I would say that we needed some time to think it over and needed to meet in private to discuss further. Our strategy was to have a dollar amount. I did not want to pay over $25,000 for the car no matter what. This kind of negotiation can be very stressful and this is another reason why having friends or family by your side is a plus.

3.Read The Fine Print And Know What All The Costs Are.

When we met with the sales rep, he started talking gibberish about the various costs and it was hard to follow exactly what he was talking about. At that point it is important to use your own checklist and write down all the costs that are being presented and add them up. Dont be afraid to ask what a particular cost item is. Look at the sticker price and all the features that are presented. What are the extra or hidden fees? Maybe there is some leeway. Our strategy was to have a dollar amount that I did not want to go below. I did not want to pay over $25,000 for the car. It did not matter where the discounts came from, but the bottom line or deal breaker was anything above $25,000. As it turned out, this was the last day of the month, which is usually a good time to buy a car because the dealerships are very competitive as to who has the best track record for the month and are sometimes willing to go lower to get the sale so it can be counted in this months sales

4. Ask for One More thing

I knew which car I wanted and knew that I would probably leave the showroom with that particular car. It was the color I wanted and had the special features that were on my wish list. However, I wanted to get the best financial deal possible. I was not planning on getting financing, but the zero financing was too good to pass up. When I was comparing the price to another smaller and cheaper car, I realized that with the financing costs of the other car, my car was actually cheaper in the long run. If the dealership absolutely says the price cannot go any lower, then see if something else can be added to the deal as a sweetener. Is there an accessory you want that could make the deal more attractive such as floor mats, or steering wheel cover? Be creative and flexible. If there are two similar cars, maybe you could switch to the better car for the price you are negotiating. Maybe you can negotiate service for the car. Your want list is only limited by your imagination.

5.Stick To Your Guns and Dont Say Yes Right Away.

As my mother used to say, it does not hurt to ask; the worse that can happen is that they say no. If you think that they have made their final offer, stick to your guns and try one more round. In my case, I was trying to stay under $25,000. The dealer came back with a figure that was a couple hundred dollars more than the $25,000 with a plausible explanation that this was absolutely the lowest they could go. At that point, part of me wanted to accept that amount and just pay the $200, but I forced myself to say that I wanted the sales rep to go back one more time to see if he could come down to the $25,000. The dealer accepted that offer, probably, because it was the end of the month and the amount in question was relatively small. If they had been resolute on the price, I probably would have paid the higher price but they did not know that.

If you follow these rules for buying a car, you will be negotiating like a pro.

Copyright 2006 Mary Greenwood

Mary Greenwood, J.D., LL.M: Arbitrator, Mediator, Author of How to Negotiate like a Pro, 41 Rules for Resolving Disputes Available at http://www.barnesandnoble.com or http://www.amazon.com or http://www.booksamillion.com ; Email me at: Howtonegotiatelikeapro@aol.com. Visit http://www.Howtonegotiatelikeapro.com or http://www.Marygreenwood.com Christmas Tree Farms Randolph New Jersey

What Do You Know That I Don't Know?

2008-02-07T02:05:00.000-08:00

Wouldn't it be ideal to have your own home business? Or better yet, your own internet business? Work at home, be with your family and schedule your time however you want.

It's a popular dream, but it's often just that, a dream.

Well my friends, you can turn that dream into reality.

Did you know that according to marketingvox.com, online retail spending totaled $81.6 billion for all of 2005, up 24 percent from $65.8 billion in 2004. The figures are not in for 2006 but undoubtedly they've gone up.

Before you say you don't have a product to sell, keep reading.

When most people think about an online business, they think they must have their own product or service to sell, when in actuality, there are thousands making a pretty great living online who do not have products at all. They are in the business of affiliate marketing.

Here's how it works.

Affiliate marketing is about offering information on a topic or a product that fills a need or a desire, and offering merchant products or services that complement it. Sales that you make from your website for merchant products that you promote earns you a commission.

So how can affiliate marketing work for you?

Think for a minute about a hobby or expertise you have. If it's truly a hobby or something you are familiar with then I'll bet you know a thing or two about it. If you've been doing it for years, then you've gained experience and knowledge that probably millions of people would love to hear about.

Perhaps you don't have a lot of knowledge on a topic, but you are passionate about it. In that case, I'll bet you're willing to learn more.

Why not take that knowledge or expertise and let it earn an income for you?

How is it done?

First of all, you must understand what people come to the internet for, and it isn't to buy things. They come to the internet for information. Think about that, if you want to buy a lounge chair, will you go the internet? Most likely not, however, if you want information about lounge chair features or the best lounge chair to buy , you're likely to check out the web first.

Having a successful web business is about offering information to an information starved society, but it doesn't stop there. If you have a web site that offers such information you are laying the ground work for convincing a viewer to buy a product that you have or that you endorse through affiliate sales, but first you must present your case.

The mistake that many online business owners make is building a website, loading it up with products and expecting people to buy. If you're not Amazon.com, Dell computer or Overstock.com, you're not likely to make a sale. Why? Because, unless you are a household brand name, your viewers are not familiar with you like they are with Amazon, Dell or Overstock. Therefore, you are first going to have to win your viewers trust and confidence.

There's a tried and true formula presented by one of the internet's foremost online marketers, Dr. Ken Envoy. Ken has spent several years cultivating an online sales formula that works. However, it not only works, it has made many a successful business owner of the online business community.

Ken's concepts include creating a content website, bringing traffic to your site, pre-selling your products and finally monetizing your visitors for income. His concepts are most associated with affiliate marketing, however they are a firm foundation for any online marketing strategy.

It's important to remember that your visitors must trust you and they don't want to feel they are being sold to. This is done by knowing your topic, your products and offering as much useful information about them as possible.

If you can find interested, targeted viewers, offer them information they can use and then complement that information with useful products that fill a need, you are in business.

So what's your hobby? What's your Passion? Where do your interests and experiences lie? Unless you've been under a rock all your life, you have something to offer. Why not turn that knowledge into revenue for you.

Whether you have a product or you possess the knowledge, build a site about what you know and offer your products or affiliate products that complement it.

Here's just a few ideas that could get you started in our own online business:

Affiliate Sales
What's your expertise?
Publish what you know and love... then monetize it. Build a knowledge site with a blend of affiliate programs along with Google AdSense ads and earn several nice paychecks a month.

Create an E-Book
Do you like to write?
Take your expertise and write an e-book. Ebook software makes it so simple. Build your website around your ebook.

Service Businesses
Do you have a service to offer?
Offer a service related to your expertise. For example, if you like to write, offer a copywriting service or show someone how to write for success.

Create Needed E-Software
Are you a programmer? Create a niche-filling software program. If you are not a programmer, hire one.

Are You a Photographer?
Create a site with collections of e-photos, the e-photo sales market is booming! Digitize it and sell it.

Hard Goods Creators/Sellers
Are you a small business or a craftsman that creates/manufactures/retails your own hard goods You can create your own store. Either use your own products or find a wholesale dropshipper.

Referrers/Finders
Get paid a referrer or finder's fee by an offline business for finding a customer or a "lead". There are lots of programs that pay website owners who send them leads.

Auction Sellers
Use Ebay as a supplemental source of income to auction a product that relates to your theme. Especially useful for local businesses or vendors that sell hard goods, and even for service-sellers. And obviously, for those who want to start an online auction business.

Local Offline Businesses
If you own an offline business, a Web site is a must. Use it to grow your business locally and, in many cases, to extend your market globally.

Putting your hobby or your expertise to work for you is an excellent way to create a side business, a full time home business or simply create a few extra well deserved paychecks each month.

Elizabeth McGeeFedex Saturday Delivery

Stress Eliminating Affirmations

2008-02-05T16:12:00.000-08:00

Our thoughts create our reality. Here are some Affirmations which create a more positive, happier more fulfilling reality.

A. About Ability and Security

1. Anxiety solves no problems actions do.

2. Some problems are problems only because I believe them to be.

3. I have the inner power and strength to deal with whatever life brings me.

4. I am capable of handling any possible difficulties which might occur.

5. I feel safe and secure in every situation.

6. While making my own sincere effort, I entrust my life, my family and the results of all my efforts into Gods (the Universes) wise and just judgment.

7. Life gives me in each moment exactly what I need in every situation in order to be happy, perform my life and purpose and grow spiritually.

8. I am intelligent and capable enough to succeed in any endeavor which is important to me.

B. About Self-Worth

1. My self-worth is a function of my inner being (0f who I am) and not what others think of me or how much I accomplish.

2. The results of my efforts depend on many different factors including also my efforts.

3. My self worth is totally independent of any external factors such as: intelligence, wealth, my home, appearance, talents, professional success, my childrens success, being attractive to the opposite sex, making friends, disciplines, "spiritual" activities.

4. I am worthy of love and respect even when I am not perfect in what I do and even when I make mistakes.

5. My self-worth is totally independent of whether others agree with me or are satisfied with me.

6. My self-worth is totally independent of how people behave towards me.

7. My self-worth is totally independent of how much others work or how they work or what they believe about me.

8. My self-worth is a reflection of my divine nature and not my gender, religion, social class etc.

9. I am a good person, a worthy person.

C. Freedom and Love

1. I respect and love all persons (especially my parents and family) without feeling any need whatsoever to live my life according to their beliefs or values. I live my life in harmony with my inner values and beliefs.

2. I am in no way responsible for others peoples reality but only for my own motives and behavior towards them.

3. No one else is responsible for my reality. I am totally responsible for what I feel and experience in life.

4. I am responsible for my purity of my motives and quality of my efforts and not for the results of my efforts or their affect on others.

5. All beings deserve my love and respect, including myself

6. I understand the fears behind each persons negative actions.

7. I am free in each moment to be myself.

8. No one can limit my freedom unless I need something from them.

9. Real freedom is freedom from fears, needs and false limiting beliefs.

10. Real freedom is the ability to do what ever is in my best interest as a soul in the process of evolution.

11. Real freedom is the freedom to experience peace, love and happiness regardless of what happens or others behavior.

For further work on this and many other subjects log on to www.HolisticHarmony.com

(Adapted from the "The Psychology of Happiness" by Robert Najemy)

Robert Elias Najemy, a life coach with 30 years of experience, is the author of over 20 books, 600 articles and 400 lectures on Human Harmony. Download wonderful ebooks, 100's of free articles, courses, and mp3 audio lectures at http://www.HolisticHarmony.com. Find 8 of his books at http://www.Amazon.com.Beach Condo Daytona Florida
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Energy In vs Energy Out

2008-02-04T17:35:00.000-08:00

You only get out what you put in

That's the catch phrase of a breakfast cereals we have in Australia called Nutri-Grain, I saw the ad last week and it got me to thinking about the importance of understanding the basic workings of our bodies.

The heavier you are the more energy it takes to perform a task. If you are 120kgs and are eating the energy requirements for a 80-90kg person it's probable that your body will break down lean muscle tissue as well as fat to make up the deficit energy requirements. May sound good in the short term (as you will lose weight fast to begin with) but in the long run you will probably gain more than what you started with, and this regained weight will be fat, making you 'fatter' than when you started.

So how do you know what your energy intake should be? The safest bet would be to visit your local GP or Nutritionist, they can give you all the information in regards to calorie intake. You could even join a weight loss group like Jenny Craig or Weight Watchers and follow their guidelines, taken from the World Health Organisation.

A basic rundown of your energy needs is as follows, please note this is only a rough guide you should consult your doctor or nutritionist before embarking on any weight loss program.

50-60kg = 5000kJ [1200cal]
60-70kg = 6000kJ [1400cal]
70-80kg = 6500kJ [1500cal]
80-90kg = 7000kJ [160cal0]
90-100kg = 7500kJ [1800cal]
100-110kg = 8000kJ [1900cal]
110-120kg = 8500kJ [2000cal]
Over 130kg = 9000kJ [2100cal]

Portions and Servings

We've all heard that we should eat 5-6 serves of bread/cereals/pasta; 5-7 serves of fruit and vegies; etc, etc. You learn this in school – it’s the Healthy Food Pyramid.

In today's society of super-sized meals we've actually lost sight of what an actual serving is. We fill large plates and bowls because we are so used to large servings. It's no wonder there is such a high obesity level in the world - we over eat all the time. If you were to put a proper serving onto a plate you'd be surprised at how 'little' it is.

Being used to larger servings of meals can make it hard to judge a serving for a meal. Don't fret! There are a few tricks you can use to trick your body into thinking it's eating those same 'big' serves you're used to.

* Measure or weigh out serving sizes, this will ensure you are getting the right serve. You do not have to use the serving size suggested, if you want a slightly larger or smaller portion adjust it accordingly – just be aware of what you are consuming and don’t overdo it.

For example, instead of a 250ml glass of juice with your breakfast have a 150ml glass. If you are on a higher energy intake, instead of the suggested 2 slices [25g] of meat for your sandwich add an extra slice to boost your intake.

* Use the same sized plate/bowl. By this I mean if you have cereal most mornings have it in the same sized bowl every morning. Once you have been measuring your cereal for a few weeks you will see how much "belongs" in the bowl. However, don't be fooled into thinking you no longer need to measure out your serve as it's easy to over judge while you’re pouring – by all means, start measuring on your own, just remember to check what you are doing occasionally.

* Use smaller plates. We are used to eating on large plates that generally tend to hold larger than normal servings. When you put smaller servings of meals on a large plate you can [subconsciously or not] feel like you are denying yourself, which could lead to binging or even a subconscious sabotage of your good effort. By using a smaller plate it's harder to 'overload' your plate, and you can trick your body into thinking it's not being denied. When you put the right serve on a smaller plate it makes the plate look 'fuller', and more like we are used to.

For example try eating your ice-cream from a rice bowl. A regular serve of ice-cream is about 50g; in a normal size bowl it looks rather small and pitiful. Now put the 50g serve of ice-cream in a small rice bowl and the bowl not only looks full but you don’t feel like you are depriving yourself of the treat. Also, in the case of desserts like ice-cream, try eating it with a teaspoon – it will take you a little longer to eat so you enjoy it more.

* Try eating your meals with different cutlery. In the above example of the ice-cream, instead of eating with a normal dessert spoon try using a teaspoon. It will take you a little longer to eat so you will enjoy it more. Try eating your main meal with chopsticks [ie a stir-fry or rice dish] it takes a little to get used to and you will eat slowly but you will savour and enjoy what you are eating more then the traditional means.

* Use smaller glasses. This works the same as the above point. Most glasses are larger then most drink serving sizes. Go and measure how much water a glass holds and take a look at the amount of juice you should have per serve - you'll be surprised at the difference. Again when you pour out an actual serving you may feel ripped off as the glass is ‘half full’. By using smaller glasses you can trick yourself into thinking u aren't being ripped off because the glass is full, not half empty.

What is a portion?

As I said before, we tend to 'oversize' our portions. So what exactly is a portion? Some basic portion sizes are as follows [all are in metric cups] And don’t forget, if you are counting calories you will need to consult your calorie guide and/or the label on the packet.

Bread & Cereal:
1/2 cup of dried or 1 cup of cooked pasta/noodles
1/2 cup cooked rice or 1/4 cup of dry rice
1 thick slice of bread or 1/2 a bagel or large roll
1/2cup of cooked beans/lentils
1 cup of flake type bekkie cereal
1/2 cup oats or muesli

Meat:
Poultry/pork [cooked] 75g [the size of a deck of cards]
Red meat 75g [deck of cards]
Fish fillet 1 med piece, 100g
Mince meat 1/2 cup
Nuts a small handful
Eggs 1 medium [55g]

Fruit & Veg:
1 large potato [about the size of your fist, 30g]
Apple/orange/pear - 1 medium size
Kiwi fruit, strawberries - 2
Dried fruit 4-6 pieces
Oven chips [cooked] 100g

Dairy:
Cheese 30g
Milk 250ml
Low fat yogurt 200g

Read the Label

Always read the labels for the 'suggested serving size' and 'serves per pack/bottle/etc'. And try and stick to one serve. Bottled drinks are notorious for having more then the recommended serve. Be careful especially when having soft drinks, such as Coke or Pepsi, most people have a 600ml bottle... a serve of coke is actually a 250ml.

For example the bottle of Mineral Water that I have actually has 1.5 serves per bottle. Its serving size is 200ml, I have 150ml served in a flute glass with my main meal so the bottle gives me 'two' drinks. It makes a nice compliment to my meal. Cutting serves like that is ok. It can create havoc when you are counting calories though but the Nutritional Info should have a energy per serve and energy per 100ml [or grams, etc]

The most important thing to remember to keep an eye on what you are doing - keep a food diary and keep track. Food diaries are very helpful to us, and are not just for calorie counters. Now before you say "But thin Sally doesn't use one, why should I?" -- 'Thin Sally' obviously doesn't have a food problem. Thin Sally probably already eats healthy and in moderation & is probably physically active to boot. Those wanting to lose weight on the other hand DO have a problem and need to work on it. You may not be aware of what you are putting in your mouth.... that popcorn & soda at the movies... the couple of mouthfuls of cheese at the grocery shop stand. You need to put in everything and work from there.

If you aren't counting calories or on some specific diet, like Akins/South Beach, or following what a die titian or doctor has given you, then you will need to basically follow the Food Pyramid. If you would like to try something different have a go at following the Asian Food Pyramid, it works on Daily, Weekly & Monthly foods. Both Pyramids work on "Everything in Moderation", and THAT is the key to healthy eating.

Remember: You only get out what you put in. You are eating to fuel your body, not eating for the sake of eating.

Energy Expenditure

So you've eaten well each day - that's a great start to weight loss. However, you need to do more in order to shift those excess kilograms, to do this you are going to have to 'burn off' the extra energy [this means fat]. Exercise in not your only weapon here - incidental exercise & normal household chores can also play a part.

It is important to mention that while you are training [exercising] there are three major things to remember:

1. See your doctor before you start any training [exercise] program. High impact aerobics are great but you need to work up to them - going hard at it straight up could cause injury. Also it could be hazardous to you if you have a heart [or other medical] problem. Your doctor will be able to help set you in the right direction.

2. Don't train [exercise] yourself to [or beyond] physical exhaustion. Training until you are physically sick and continuing is alright if you are in Special Forces but it is NOT good for us mere mortals. Listen to your body, take breaks if and when you need them and keep some water nearby. If you find yourself unable to keep up with an aerobics class stop and march on the spot. If you are weight training try lighter weights. You are trying to get healthy - not punish yourself.

3. The whole energy in/energy out deal does not work on a daily scale it averages out over a period of a time [ie a week]. So don't fret too much if you go "off the rails" one day food-wise [ie eat more calories then you should have or overindulged on a piece of cake] or miss an exercise session during the week. The important thing is to get back on track and not continue on the eating binge, etc. You maybe surprised at the end of the week to see that you lost weight despite the hiccup. With that said, let’s see what energy is burnt in various activities.

10,000 Steps Program

The 10,000 steps a day program works on incidental activity as well as actually getting out for a daily walk. The average person will burn approximately 1255-1880kJ walking 10,000 steps. This isn't power walking, just everyday steps. So naturally if you walk faster you will burn more energy. Also, people who are overweight will burn more energy then those who are at a healthy weight.

kJ[cal] burnt in 10mins

Here's a list of activities with their approximate kJ[cal] expenditure. These values are based on the number of kJ[cal] burnt after 10 minutes of continuous activity by someone who weighs 65kg. If you weigh more than this you will burn more kJs. Everyone’s metabolism is different but the general rule of thumb is the more energy you put into an activity, the more energy you will burn.

Activity kJ[cal]

Aerobics, low impact 230[55]
Aerobics, high impact 270[65]
Aqua aerobics 250[60]
Badminton 270[65]
Circuit training 355[85]
Cleaning the house 165[40]
Cleaning windows 165[40]
Cooking 125[30]
Cycling @ 9km per hr 125[30]
Cycling @ 15km per hr 230[55]
Dancing, ballroom 145[35]
Dancing, disco 270[65]
Driving a car 85[20]
Eating 60[15]
Gardening, digging 335[80]
Gardening, mowing 315[75]
Gardening, weeding 145[35]
Golf 230[55]
Ice skating, average pace 210[50]
Ironing 85[20]
Jogging slowly 335[80]
Mopping the floor 165[40]
Netball, average speed 290[70]
Pilates 125[30]
Running @ 10min per km 630[150]
Running @ 12mins per km 525[125]
Running @ 15mins per km 375[90]
Shopping 165[40]
Sitting 60[15]
Skiing 270[65]
Skipping 460[110]
Squash 585[140]
Stair climbing 460[110]
Sweeping 125[30]
Swimming, slow 355[85]
Swimming, fast 420[100]
Tennis 290[70]
Typing 85[20]
Vacuum cleaning 190[45]
Walking, slow 165[40]
Walking, briskly 250[60]
Walking uphill, slow 210[50]
Weight training, free weights 230[55]
Yoga 125[30]

It is recommended that you aim for 30mins of exercise a day. If this seems like too much to start with, break it up. Do three 10min sessions a day and build it up from there. It does not matter how you start out – the important thing to remember is that you are doing something.

Chyna Dolores is an author on http://www.Writing.Com/ which is a site for Writers. You can veiw her personal work at http://www.chynadolores.com.007 Gadgets
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22 Years Old And Below: Children Under SSI Benefits

2008-02-03T06:27:00.000-08:00

We are very fortunate that Social Security considers a person of 22 years old as a child. Otherwise, it would be more difficult for those who are of age but are having a hard time adjusting to the responsibilities and obligations of adulthood. It is also fortunate for those who are, even though just starting in life, already falling on hard times.

For SSI, a child is somebody who is under 18 years old and not married or a head of the family. A 22 year old person is also considered a child with the added qualification that he or she is a student who is regularly attending school.

If a person qualifies as a child under SSI Rules, he or she may be eligible for SSI benefits if the child is either blind or disabled.

A child below 18 is considered disabled if he or she has mental or physical impairment which: (1) Results in marked and severe functional limitations; (2) May reasonably result in death; or (3) Has lasted or expected to last for a period of not less than 12 months.

On the other hand, a child who is 18 or older is considered disabled if the child has mental or physical impairment which: (1) Results in the incapacity to engage in any substantial gainful employment; (2) May reasonably result in death; or (3) Has lasted or expected o last for at least 12 months.

Similarly, blindness to be a disability under the SSI means statutory blindness. A person is considered blind for purposes of being eligible for SSI benefit when: (1) the child or adult has a central visual acuity of 20/200 or less in the better eye even while wearing eye glasses or contact lens; or (2) the child or adult has limited field of vision in the better eye in that the child or adult has a contraction of peripheral visual fields to 10 degrees from the point of fixation or the widest diameter of the childs or adults visual field subtends an angle no greater than 20 degrees.

Other than SSI benefits, a child of 22 years of age can also get Medicaid in some states. The reason is that, even though the child is already getting SSI benefits, the child might be in need of Medicaid as well to help pay the childs medical bills.

If the child is deemed eligible for Medicaid as well, the state has the option to live at home and still keep Medicaid if this will be less costly than having the child in an institution-level care and getting Medicaid also.

If you are a child of 22 and below and is in need of SSI benefits, do not hesitate to contact your local Social Security Office for more information or ask the help of an attorney to assist you in your application.

Atty Gabriel Cosh is a legal advocate and a practitioner of law for over 10 years now. He is also an expert in the field of social legislation and personal injury cases.1 Air Force Nike Shoes Womens
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Direct Mail - Don't Forget The Envelope

2008-02-02T02:22:00.000-08:00

This article is geared more towards small and medium enterprises requiring runs of 100,000 pieces or less. The same advice applies to larger runs too but it's not quite as big an issue. On the larger runs, the high setup costs I mention below are more easily absorbed into the entire sots of the job and may only contribute 10-20% to the job cost. On smaller runs, tooling and setup costs can easily make up over 50% of the cost of envelope production.

Having worked in the direct mail industry for a number of years, I've seen many mistakes made, some avoidable, some not so. I can honestly say that one of the most frequent and most avoidable errors I've seen made is not applying any thought to the envelope until the last minute. A little forward planning in this respect can save a lot of frustration, and ultimately a lot of money. You can also achieve a lot more with envelope design if you have time, and some good advice from your friendly envelope manufacturer.

There is a primer on envelope production here, which will give you an indication of why it's a bad idea to leave it until the last minute. In brief though, envelope machines are big! They can take hours to set up, and it's still very much a case of allen keys and spanners to adjust them. Special sizes can be enormously expensive to produce unless the quantity of envelopes required is very large.

There lots of disciplines that make up a direct mail pack of which envelope production is only one. When compared to other areas such as copywriting or printing of the inserts, the production of the envelope can seem insignificant. Thinking this way has the potential to be a big mistake.

The envelope may seem insignificant, and in terms of cost the envelope quite possibly is one of the most insignificant parts of the pack. Realistically though, you can't send the pack without an envelope. Your carefully designed, printed and copywritten pack has very little value until you have an envelope because you can't send it until you have one.

So, when you plan your pack, think about the envelope at the same time and ask yourself a few questions.

Does the size of the pack that you have designed correspond with a slightly larger sized envelope available from a wholesaler? If it does, then good, but you're still not home and dry yet.

If a stock envelope is available, do you need to print it? You almost certainly will if it's a bulk mailing. Overprinting is a cheap option for stock envelopes but is your design suitable to overprint? There are some considerations and compromises that must be made for overprinting envelopes, and especially for overprinting envelopes in four colours. These are too numerous to mention, but any professional envelope overprinting company will be able to advise on this.

At this stage you may have established that your envelope design can be overprinted, and that you have a stock envelope available easily. If that's the case you can rest easy.

You may, however, have discovered that a stock envelope isn't available, or your design isn't suitable to overprint. If that's the case, you need to be thinking about a special making of bespoke envelopes. In this instance, pre-printing your envelopes as flat sheets becomes a possibility and you can also overprint on bespoke envelopes, but the actual making is now a major consideration.

There are two main kinds of envelope production, reel fed and blank (pre-cut envelope shapes) fed. It's unlikely that you will be able to make the envelope from the reel since you have already established that there isn't a stock envelope available, or that you can't overprint. In either of these scenarios, it's likely that you will need to producing an envelope from blanks.

With blank fed production you need to check for availability of a cutting tool. These are extremely expensive to make, and there can be very long lead times. If you want to avoid the cost of this tooling then early planning will see you obtaining a list of cutting tools from your envelope supplier, that are close to the size you need. Provided tooling is available you then need to ensure your envelope is ready in good time.

Again though, the simplest advice is to plan ahead. Find yourselves a reliable and knowledgeable envelope producer and ask their advice at the earliest opportunity. If they know their onions, then they will be able to advise how to stay within any budget you may have, artwork specifications to work to and when you need to think about ordering. Lead times can be surprisingly long in the envelope world, and you don't want to be the unfortunate soul who has to order bespoke envelopes at the last minute. You can bet, it will cost you extra to do so.

Robert Wilkinson is the owner of http://www.arhiann.com, a design, print and direct mail company specialising in direct marketing and envelope production for SMEs.1000 Hotel Seattle
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About the History of the Christian Fish Symbol

2008-02-01T05:20:00.000-08:00

In recent years the Christian Fish Symbol can be seen affixed to the back of cars, as key chains and in other very visible locations as Christians use it to demonstrate to the world that they are believers in the only one true God.

The Origin of the Christian Fish Symbol

The origin of the popular Christian Fish Symbol is believed to have been in the early years of the church after Jesus ascension into heaven. Because the church was growing rapidly it was the target of persecution by both the Romans and the Jews.

One usage of the symbol was as a sort of secret code. When a Christian met someone they thought was a fellow believer they would scratch the top arch of the symbol in the ground. If the other person was also a believer in Christ he would complete the fish symbol by drawing the lower inverted arch.

Another reported use for the Christian Fish Symbol in the early church was as a pointer to secret meetings which would be scratched on the ground or on a rock.

Sixteenth Century Christians

In later times (around the 16th Century) Christians used the symbol in a more open and declarative fashion. The Greek word ΙΧΘΥΣ was added to the body of the fish. ΙΧΘΥΣ or Ichthusis is the Greek word used most often in the Bible for the word fish. Christians used the Greek letters from the word ΙΧΘΥΣ (Iota Chi Theta Upsilon Sigma) as an acronym to represent Isesous Christos Theou Uios Soter or Jesus Christ Gods Son, Savior.

Why Christians Use the Symbol of a Fish?

Christians may have used the fish as a symbol for their faith because of how Jesus used fish in His ministry. Some of those references include the following: Jesus told Peter and Andrew that He would make them fishers of men (Mark 1:17). Jesus fed the 5,000 with five loaves of bread and two fish (Matthew 14:17). After Jesus resurrection, He appeared to His disciples and directed them to a miraculous catch of fish and He cooked a breakfast of fish for them (John 21:6-9).

Christians Today

Christians today represent the Christian Fish Symbol in various ways including: the Greek letters ΙΧΘΥΣ, with a cross, with JESUS in the body of the fish or just plan without any letters.

The GIL PUBLICATIONS Logo

GIL PUBLICATIONS has taken the Christian Fish Symbol as our logo and added the word love because of our ministry name, God is Love (I John 4:8, 16). Also, we want to draw attention to love because we believe that the world needs the kind of love that God commanded us to give to one another.

We believe in the Power of Gods Love as explained in the three examples below:

1. Gods Love at Calvary

God so loved the world that He gave his only begotten son (John 3:16). It is because of Gods love and what He did for us at Calvary that our sins are forgiven and we will have eternal life in Heaven.

2. Gods Love in the Resurrection

In Ephesians 1:18-20 Paul prayed that we would know his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms

What God did, He did out of love and because of it we can overcome the world, thats the Power of Gods love at work.

Read below to see how God wants us to translate His love into everyday living.

3. Gods Love as Guidelines for Living

God commanded us to love one another. He said:

o Love God (Mark 12:29-31; Deuteronomy 6:4-5)
o Love your brother (1 John 4:19-21)
o Love your enemy (Matthew 5:44)
o Love your neighbor (James 2:8; Galatians 5:14; Luke 10:27)

God gave us guidelines for loving when He defined love in 1 Corinthians 13:4-8a. This is what makes us conclude that To Love is to Give because you cannot live according to this scripture without giving of yourself.

Love is patient,
love is kind.
It does not envy,
it does not boast,
it is not proud.
It is not rude,
it is not self-seeking,
it is not easily angered,
it keeps no record of wrongs.
Love does not delight in evil
but rejoices with the truth.
It always protects,
always trusts,
always hopes,
always perseveres.
Love never fails.

We believe that when we follow Gods command to love in the way that He said to love then we have indeed made the world a better place to live. As Christians we need to encourage one another to love as Christ loved by giving of Himself. Therefore, GIL PUBLICATIONS logo of the Christian Fish Symbol is also a call to Christians to love as Christ said to love and for us to use the power of His love to overcome the world as He did (John 16:33).

The Power of Gods Love is without limit. Paul further prayed that we may have power, together with all the saints, to grasp how wide and long and high and deep is the love of Christ, and to know this love that surpasses knowledgethat you may be filled to the measure of all the fullness of God ... (Ephesians 3:18-19 NIV).

To be filled with the fullness of God can you imagine that?

This article may be copied and distributed as long as the author contact information remains.

By: Akili Kumasi
GIL Publications.com

Akili Kumasi is the President of GIL Publications (http://www.gilpublications.com) and the author of numerous articles and books including the Bible Word Search Book Series (puzzles with scripture), Fun Meals for Fathers and Sons: Recipes & Activities for Bonding & Mentoring and On the Outside Looking in: Hope for Separated Fathers Who Want To Be Good Fathers. For book-signing or speaking engagements, Akili can be reached at kumasi@gilpublications.com.50cc Mini Bikes
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