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“谣盐”风波再思考作者:任随忽悠 2011-03-25 15:43 星期五 晴           2011-03-25 14:22 来源: 南都周刊     2011年3月17日,贵州贵盐公司门口有许多市民排队“抢盐”        2011年3月17日,中盐北京公司西直门仓储点内,大量的食盐堆放在仓库外等待铺送到各大卖场      拿股市的话来说,3月16日这天下午,江康寿的铺子“涨停了”。    前后只相差两个多小时,他店里的90箱食盐被一抢而光。平时,每日销售量“撑死也就在30箱左右”。    江康寿的调味品批发铺坐落于浙江省宁波二号桥批发市场―当地最大的两个市场之一。江康寿的食盐批发铺,又是市场里最大的。    “要不是他,3月16号一开店食盐肯定就要被抢空了,”江老板不停地感谢一位邻居,此人前一天晚上对他说,明天一定要多进点盐,因为附近超市的盐好像一下子都卖完了。    正是3月15日晚,一篇题为《以碘“抗”核?或许有用,但没必要》的文章在果壳网发表―那两天,“服用碘片可抗核辐射”的说法在国内网络上风传。    该文经由微博上的“谣言粉碎机”发布,引来不算多的700多次转发。而此文出现前数小时,微博也向所有用户发送了两条系统通知,称未来三天日本核泄漏污染物对我国无影响。平常,用户只有在微博被删的时候才会接到系统通知。    3月16日,谣言终于变成了强大的行动力:碘盐首先在浙江部分地区被抢购,接着迅速蔓延至全国,“盐荒”不期而至。    从浙江到全国    3月16日上午7点,柳波准时到岗,她是宁波百丈东路欧尚超市食品杂粮部主管。“一开始没有什么不正常,”她说,“但开门营业后没多久,就有一位顾客一下子买了30包食盐。”    局势随后急剧失控。下午2点左右,库存的1080包食盐被顾客瓜分殆尽,而在以往,食盐的销售量每天仅有180包左右。晚上8点,柳波在下班后又赶回超市查看情况,发现酱油的库存也已告急,30米长的调味品区通道已经挤满了抢购酱油的顾客,“盐没了就吃酱油!”有位顾客高喊。    这种情况让超市促销员陈言琴感到有些奇怪,她的岗位就在酱油货架。下午,她向一位抢盐客询问情况,对方称:“日本地震污染了海水,以后几年都没有好盐了。”陈言琴当场就认可了这种说法,她事后回忆,那位顾客“衣着谈吐和购买的商品都很体面”。她跟风购买了30包食盐,后又抽空致电老家的弟弟,告知超市的抢盐风潮。弟弟在安徽巢湖开快餐店,“他那里更需要大量的食盐,”陈言琴说,“后来他打来电话,说买了500包盐囤在店里。”    陈的同事们来自湖北、新疆、北京郊区等地。陈言琴回忆,New Balance Pas Cher,那天下午他们都在买盐的同时打电话给家里人,“不抢就没了”。她不后悔于自己的决定,食盐一包才一块钱,花不了什么钱,更重要的是,在那位体面的顾客引导下,抢购食盐变得不可笑了,毕竟“谈吐这么好的顾客都说海水被污染了”。    宁波鄞州区沃尔玛的促销员范小姐,也持相同想法。她立即抢了三包,随后打电话回四川老家通报情况。宁波超市里的工作人员基本为外来女性务工者,她们纷纷在3月16日下午将宁波盐荒的消息传回老家,在不经意间,一条通过电话由城市外来务工者参与的食盐抢购信息链被打通了。    新华社的报道间接证实了这条信息链存在的可能性。新华社援引电信部门负责人的话称,3月16日、17日两天,浙江全省的通话量出现爆炸性增长,话务量主要集中在16日傍晚。    鄞州区沃尔玛超市副总经理毛伟称,16日上午即发现有几十位顾客陆续要求整箱买盐,亦不肯透露原委。接近中午时分,他才从几位购盐客那儿得知两个版本的消息:食碘盐可防辐射、海水污染造成食盐生产停止。    下午三3点过后,沃尔玛超市内近3000包食盐已经全部卖光,一位眼尖的顾客发现在食盐货架顶上还有最后一箱食盐,便立即攀上货架欲将盐箱夺下,还没等到“登顶”成功,就被沃尔玛员工喝止。超市随后派人架梯子将盐箱搬下,在购盐客围剿下,最后的这箱食盐也光荣就义。    据新华社报道,从3月16日起,浙江、广东、上海等地市民纷纷前往超市、便利店、农贸市场抢购食盐,导致这些地区食盐销量较平时猛增了十几倍。随后,购盐潮从东部沿海开始向内陆和中西部地区蔓延,并席卷了中国大部分地区。    网络与现实    在一张网上广为流传的照片上,购盐的队伍一直排到超市外,包围绵延数百米。拍摄者指出,这是3月17日清晨在浙江嘉兴发生的“盛况”。    网民对抢盐风潮不乏调侃,微博在16日、17日两天内,出现的有关“抢盐”的微博多达245万条。危盐耸听、人盐可畏、胡盐乱语、盐阵以待等以盐为谐音的成语和段子频出,网上网下俨然成为两个平行世界。    在某网站微博官方辟谣组成员谭超看来,及时辟谣是微博在此次日本核危机事件中的重要工作。谭超透露,在3月11日日本大地震发生当天,微博即启动应急机制,将原来辟谣小组的规模增加到二十人,人员较之平时超出一倍多。    “我们抽调了各个频道比较资深的编辑,除了精通日语、英语的编辑,还有对地震很了解的科学频道的编辑,”谭超称,“这次地震的震级这么大,根据以往的经验,在自然灾害之后,谣言都会有增多的趋势。”    辟谣团队通过拥有200多万粉丝数的“头条新闻”帐号辟谣,在16日后发布了10条与碘盐科普有关的信息,向用户澄清食用碘盐对防辐射没有多大用处。    另外,为了传达权威信息,他们甚至紧急协调中国盐业总公司开通微博帐号,通过权威部门发布信息。对此,某网站微博公关部称,这次请中盐公司开微博是自主行为,没有政府部门的介入,“遇到类似事件请权威部门或者事件当事人开微博是常态。”    果壳网也通过微博持续进行辟谣。17日下午,该网编辑袁新婷以“秋秋”的笔名连发了两篇文章,内容均以调侃笔调和科学计算证明抢盐无用,“要达到和服用碘片同样的效果,一个成人必须一次性至少吃下3.3千克盐……这样一来,碘是补够了,人也�死了!……更重要的是,盐吃多了也会致命!”这两篇文章上网后立即得到国内网民追捧,随即被传统媒体频繁引用。    “像微博和论坛这样的新媒体,有极为迅速的自净能力,”复旦大学传播学博士张志安分析,“谣言在新媒体上即使传播得很快,也很容易得到及时甄别,supra shoes。”    张志安称,中国网民的年龄结构较为年轻,学历程度也相对较高,决定了他们在面对谣言时具有相当的辨别能力。“所以这也就暴露出另一个问题,那些不太上网的民众怎么办?他们得不到及时有效的辟谣信息,也更相信身边同事和朋友,他们恰恰是抢盐主力。”现实中,抢盐大多是通过电话等口口传播,接受度比网络要高。    网络和现实也有交集。三江超市是宁波市内规模最大的连锁超市,在当地拥有超过40家门店。3月16日一早,该超市华严店一位员工从网络论坛上得知宁波部分地区已出现抢盐,并向主管通报。主管随后决定调运200多箱350g雪涛牌加碘细盐。预料中的购盐潮在那天中午涌向该店,店方应对得当,每位购盐者都买到了食盐。该店销售管理系统显示,16日全天该超市累计售出创纪录的11470包,与前日(292包)相比,暴增38倍。    网上辟谣终于惊动各地政府。最先出现抢购潮的浙江宁波,当地政府在17日采取了调整食盐供给渠道、临时性限购和加大食盐生产等多种措施试图控制食盐抢购现象,并在一天内奏效。三江超市华严店的食盐销售数据直观地显示了宁波市内抢盐潮的退却速度:16日11470包,17日3715包,18日2288包,19日2394包。    宁波官方亦通过安排媒体报道和发送手机短信的方式为抢盐热潮退烧,Nike Dunk Low。从17日开始,宁波市民每天都会收到来自手机运营商的短信,内容由浙江省环境保护厅发布,称“浙江海域的海水未检出人工放射性核素,浙江海域未受污染”等。    资本介入?    与食盐销量同步大涨的,还有盐业题材个股。蛰伏了三个月之久的云南盐化(002053.SZ),截至17日,三个交易日涨幅累计近两成。17日,该股以15.10元的涨停价开盘,这种异动引发市场传言不断,流传最广的一个版本是:抢盐潮的幕后推手来自浙江游资,他们在事先介入盐业题材股票,随后在市面上大量抢购食盐,造成食盐缺货的假象,最后反映到资本市场上,游资高位抛售,完美获利。    深交所的公开交易信息显示,17日云南盐化的成交资金中,有4家来自浙江,资金规模达到4000多万元。一时间,这则传闻的真实性似乎大为增强,但是在3月22日,浙江证监局稽查处处长余津津对媒体称,这四笔资金没有在之前预先潜伏到云南盐化,而是在涨停板当天买入的。    3月18日,云南盐化股价也出现7.54%的长阴线,收于13.96元。监管部门调查发现,3月17日大单买入云南盐化的浙江4家营业部客户均在3月18日大单出清,大单最后共计亏损234.5万元。    “媒体误读了交易数据,这是典型的‘一日行情’,”一位不愿公开姓名的温州私募操盘手指出,“龙虎榜只是几个最大的成交金额,那天涨停板上的买家都是冤大头和托儿。”据此人士透露,该股早在15日就有资金大量流入,“当17日的集合竞价封死涨停,即疯狂出货。如果交易金额进不了前五位,就不会有任何蛛丝马迹。做到这点也不难,只要不通过一个营业部出货就好了。”    游资是否策划抢盐潮尚难定论,可以肯定的是,冒险加价销售的各地小商贩最后啥都没捞到。发改委在3月18日宣布,浙江、山西、江苏等省和新疆维吾尔自治区部分商家因哄抬食盐价格、扰乱正常市场秩序被当地价格主管部门依法查处。依据国内食盐专营和价格专管制度,以宁波为例,350g雪涛牌加碘食盐的批发价为每箱51.6元,最高零售价一般不得超过每箱54元。    对于造谣者,司法部门积极介入。3月20日,杭州市公安局西湖分局作出处罚决定,对杭州一电脑公司的陈某行政拘留10天,并处罚款500元人民币。这位ID为“鱼翁”的网友在3月15日诓称,“据有价值信息”,日本核电站爆炸对山东海域有影响,并不断地污染,“请转告周边的家人朋友储备些盐,干海带,暂时一年内不要吃海产品。”    囤盐者也面临无法退盐的尴尬境地。不少超市称,碘盐是食品,在质量没有问题的情况下不能随便退货,不然无法保证退货食盐再上架后的食品安全,“谁会去买被退过的盐?”    广西河池市盐务管理局局长张宁宁在接受当地媒体采访时,给这些无法退盐的消费者想出了一个解决方案―“盐买多了的市民,实在退不了可用于洗澡、洗菜”。    3月20日,抢购潮消退了好几天,江康寿还在为批发铺里没有食盐而发愁。    因为宁波政府紧急调整了食盐发货渠道措施,盐业公司运力不足,只能将食盐源源不断地发往超市等零售终端,而无法顾及批发市场。    “盐有的是,但运盐能力跟不上,有什么办法?”江老板抱怨,16日后已经连续四天没有拿到盐,这几天的亏损早已超出16日当天的获利。    说到底,白干了。    (本文来源:南都周刊 )

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-Blogging and Crafting Friends I am calling on your love, support amp; generosity once again.nbsp; A colleague and friend of ours, Katie Renz found out she has Stage 4 Stomach Cancer over the holidays.nbsp; She has always had the sweetest amp; most sparkling personality and is a very talented designer to boot! She is married and has 3 small boys that count on her and this news has so saddened me, you can read her story at her blog HERE!nbsp; The crafting community has pulled together and arranged a fund-raiser for her--you can read about it HERE,www.uggbootssale-ie.net!nbsp; There are 2 ways to donate so make sure to read the post carefully--I hope you take a few mins out of your day to read her story and help out.nbsp; Even if you cannot provide any funds for the fundraiser,UGG Pas Cher Australia, post the info on your blogs/facebook/twitter to raise awareness, I know Katie would be so thankful!
-I will post the blog candy winner from last week tomorrow :)************************************************************************Angel of HopeAfter hearing about Katie Renz's struggle with cancer and going through some personal/family events myself with sickness I had to pull out this beautiful angel to use today!nbsp; This angel "Angel of Hope" is by Elisabeth Bell for SCACD and it's very special too---everytime someone purchases this stamp (at anytime) SCACD will donate 1 to Breast Cancer Research!nbsp; So you get a beautiful image and help out women at the same time--what a great deal dontcha' think?!nbsp; If you have a crafty friend going thru struggles with cancer this would be a beautiful gift to give them--a stamp they can use and money toward the cause!The beautiful papers I used are from Memory Box called "Gossamer"--I love the soft and soothing tones! I wish you could see how soft and sparkly this is in real life--so pretty!nbsp; I distressed the edges of all my papers with my Zutter Distress Tool and those pretty angel-wing-like ornaments on each side of my image are by Pink Paislee (Artisan Collection here).nbsp; They are cream grungeboard and I actually got the ornament in half so I could put it on each side of my image--but they can be painted, spritzed or sanded too.nbsp; I added some stickles to the insides of each ornament for a soft sparkle as well.nbsp; The layered flowers are all by Prima and the pearl swirls are as well.
The angel image was colored with copics (RV11,RV10,RV000/E53,E51,E50/E11,E00) very softly to match the pastel tones.nbsp; The soft background was done with copics too (BG0000,BG10,W00,E50,YG0000) and I will have a video on how to do this soon, I have to wait until I sound normal again, LOL!nbsp; Then I took a couple stamps from my Paper Trey Ink Collection (Text Basics and Vintage Labels) and stamped them very lightly on the edges of the image.nbsp; I stamped her wings twice and colored them--then popped them up on graduating dimensionals so they pop up farther from her body as they go out.nbsp; They got a nice coat of Stickles and then while the stickles were wet I sprinkled them with Glamour Dust(15 off)--the sparkle is sooooo pretty!nbsp; I wanted a bit of sparkle on her gown as well but I wanted it to be soft--so I took my Quickie Glue Pen and traced a few of the lines on her gown and then sprinkled more Glamour Dust on them.nbsp; Love the Glamour Dust--well they have NEW Glamour Dust paints out now that are beeee-u-tiful (see this project here) and SCACD has them all in stock HERE!
Hope you enjoyed this post today and I hope you all have a beautiful day!nbsp; See you tomorrow with some NEW Kraftin' Kimmie releases!! YAY!







Saving your relationship for people who are in long-term relationships may face a problem,nike Air force, they are not attracted to their partners anymore, in spite of the attachment they share, and the level of physical intimacy in the relationship begins to sink. Consequently,36697, the relationship starts to feel stale. If you are in the same boat and are no longer attracted to your partner, dont think that this mindset is permanent, and neither should you be blaming yourself. You can get a positive message across to your partner and take some fruitful steps to bring the excitement back in your relationship.

Refreshing Your Partners Memory

Think back to the time when you were attracted to your partner. What was it about them that turned you on? It may have been the looks, the laugh or the spring in their step, the thought of saving your relationship never crossed your mind. Your relationship was blooming. Whatever it was,Supra Chaussure, it is probably missing now and you are thinking of ways and means to save your relationship. Maybe he or she doesnt spend that much time and effort trying to look attractive. What you can do is convey the message to your partner positively and gently. If it is your girlfriend, tell her that you loved the way she used to do her hair and it would be priceless to see her that way again. Just this kind of sharing will strengthen your bond and intimacy, and it is most likely that she will cooperate.

Sharing What Turns You Off

Just like there probably are things that your partner doesnt do anymore, there may also be behavioral patterns that turn you off. Perhaps he has a very ungainly way of sitting with you at home. Once again, try to tell him gently and tactfully. Also, you need to put your criticism across positively. What you need to emphasize to your partner is what you would like about them better,new balance 410, rather than what you dislike about them. Polite frankness works wonders to give the right message and help you save your relationship.

Accepting Feedback

Be prepared for the fact that just as your partner is not turning you on anymore,Nike Dunk, you may not be coming across as attractive to them either. So,37949, while you are giving inputs to your partner, encourage them to do the same as well. What you need to do is work together to bring the smile back in your relationship.

Excitement in the Bedroom

One thing that will do wonders for the relationship is if you can spice things up in the bedroom. Create the right mood for an intimate evening, and dedicate all that time to your partner. Make sure you both dress well and look pleasing,37391,www.nikedunkprix.com, and you may just find your desire racing back, you are on the right track to save your relationship.

Improving Health

One major reason why levels of physical intimacy retards for a lot of couples is neglect to their health. The stress at work may be up, you may have put on weight and your energy levels may have fallen. The same has probably happened to your partner. Try to incorporate some exercise into your routine. If you can do it together, that will be great to revive your bond. You both will start looking and feeling better, your hormonal balance and overall mood will improve and your energy levels will go up. All these will impact your sex drive favorably.

With these steps, you will certainly begin to feel closer and more attracted to your partner once again, after all you got to save your relationship that you have nurtured so intensely.

You are free to publish this article without any change in the content electronically, in print, in your e-book, or on your web site,36788, free of charge,37580, as long as the author resource details are included.

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The texture of the pine laminate flooring is always quite great in tricking the eye. Itll make absolutely everyone feel that the new floor you have in your house will be the genuine pine floor. Not long ago manufacturers have began selling increasingly more glueless laminate flooring due to the fact the set up is diminished only to clicking and snapping planks together a less difficult operation.

If we had the chance to compare the pine flooring using the pine laminate flooring we might notice that the laminate model is less complicated to maintain and also to restore in case of accident. This laminate version will not likely shed its shade as a result of sunlight or electrical light and can not absorb stains. However its finest to clean it which has a dust cloth when theres road dirt on it or other varieties of marks coming from sneakers. Should you spill any excess fat or oily liquids then it is finest to make use of some suitable cleaners for laminate flooring. In case of nail polish felt pens stains or ink stains then use some acetone as well as a cloth to get rid of paying attention to not touch the areas which are not affected by the stain. But firstly make sure you go through the preservation manual that came along with your pine laminate flooring if you bought it.

Some say that it really is far better to purchase the genuine pine flooring as it has lengthier durability but manufacturers today give as much as fifteen and even a lot more guarantee under typical residential situations. Every day mopping is one thing that they get into account when developing and bringing top quality to their product and when spills are removed quickly durability promises get to become completed. all in all pine laminate flooring is an effective alternative for those who cant manage the genuine wood floor yet want their property to look nice.,new balance 410
Students and teachers across the region know the benefits of schooling lesson options daily. No matter the subject matter you teach lesson strategies are ideal for producing purchase and retaining your duties organized. Here are a few much more factors why education lesson options can gain you.

Some educators often believe that that education lesson options are too rigidly structured to get of any use inside the classroom. Nevertheless without having them the daytoday regimen which you along with your college students get pleasure from vanishes modifying instead into a period of time of chaos and indecisiveness. Acquiring a minimum of a basic outline of what you intend for your class is important for a successful semester. Not simply will you and your students stay assured in which you know exactly what the lesson prepare will probably be but you may also have the ability to work with this framework that can assist you avert troubles in scheduling from happening.

Of course this isnt going to mean by any signifies that your training lesson ideas should be inflexible. Part with the method of making good lesson ideas could be the procedure of scheduling additional time if required. This will become especially valuable in the event which you must agenda a sudden area trip offer using a classroom discussion tangent or a school cancellation. Although it really is not doable to predict exactly what is going to take place during a semester its however doable to produce added time need to youll need it. They are also helpful from the celebration that a specific idea just isnt really sticking in the minds of the pupils and you require an additional day or two to learn and relearn.

Common issues integrated in schooling lesson ideas include texts films essays assignments quizzes checks finals theses oral presentations labs and more. With this in head it really is easy to see why several school districts demand that education lesson options are looked above by a professional committee ahead of they are utilised. Along with making sure the material is suitable for students skill ranges furthermore it makes certain that the activities youve got planned are certainly feasible.

By undertaking your best to produce perfect training lesson plans you happen to be doing over just creating your classroom an orderly setting. You might be also taking the measures needed to make sure that your texts resources and discussions produce a lasting impression on the minds of ones pupils. By maintaining an equal combination of routine and spontaneity your classroom will turn into a at ease productive area to learn and expand. Understand much more nowadays about how education lesson options can alter your teaching design

by Dr. Jeffrey Lant

A program note from the author. To get the most from this article, go to any search engine and find the theme of the fourth-movement Sarabande of George Frederick Handel's Keyboard Suite in D minor composed in 1731. It'll help set the mood for what follows...

I have a confession to make. I was not, until recently, up on the ins and outs of the last century or so of one of Europe's most enduring monarchies, that of the House of Orange-Nassau, rulers of the Netherlands. I suspect you are not up-to-date on the topic either... and I suspect, therefore, that you'll be as riveted as I am by what I've learned. I kept thinking: if they had been English princes, not Dutch, their larger-than-life existences, founded on the reality of a throne, their astronomical financial resources, royal shenanigans and hijinks, and all the rest -- would have been seized long ago by media producers.

But they are Dutch, hence and oh so wrongly, thought to be dull. I have learned otherwise... and now you will too.

My curiosity about Queen Juliana began by receiving one of the regular emails I get from Sothebys,goose coats, the famous auction house, which finds me amongst its regular customers. They were having an auction (commencing March 14, 2011) of over 1700 lots of the personal effects of Her Netherlandish Majesty. Since I am a long time participant in such auctions, I dropped everything and went straight for the online catalog. It took several days to go through it all. As usual this auction was an aperture into a life as foreign to me as if the lady had come from Mars.

Daughter of a Queen, Queen Regnant, Mother of a Queen, ex-Queen.

Juliana Louise Emma Maria Wilhelmina was born 30 April 1909 and died 20 March 2004. She was born at the apex of the European royal caste, moving inexorably towards its cataclysmic conclusion, though its princes little suspected most of them were about to perish,canada goose Jakker, with those remaining, dazed, admonished,gucci chaussures, everything they knew either changed or washed away. Whether before Gotterdammerung or after, Juliana of the Netherlands was always amongst the lucky.

She was born in The Hague, only child of Queen Wilhelmina of the Netherlands and Duke Henry of Mecklenburg-Schwerin, a German princely state about to face oblivion as a result of the German Kaiser's bombast and miscalculation.

Right from the start, she was already a social reformer... her mother determining that Juliana's education should include other young ladies of suitable family who would be educated along with their future sovereign. Her Royal Highness was 6 years old at the time. Already, without knowing it, she was changing established habits... helping others. She made a lifetime's work of it.

Her good fortune continued with something that didn't happen, namely the Netherlands going to war. Instead they remained neutral in the Great War of 1914-1918. The Dutch and their princess thereby avoided the destruction and ruination of most of Europe where every major dynasty fell except for the newly named Windsors of England. Juliana was to be seared by the flames of global war... but not yet.

Her luck ran out in 1936 at the Winter Olympics in Bavaria where she met Prince Bernhard of Lippe-Biesterfeld. Here she discovered love... its costs would come later.

Prince Bernhard seemed to solve a problem. Princes of suitable pedigree and religion (for the Dutch were strong adherents to the tenets of their demanding faith) were rare. He had the right heritage... he was willing to perform the always tricky role of prince consort (not the king). Importantly, he was good looking and good company in the jaunty German manner.

What no one knew then was that he was textbook perfect as randy rogue, flagrant adulterer, always dubious where money was concerned, with a yearning for Deutchland uber allies and absolutely no regard at all for his new country... or its crown princess and her impending destiny.

In short, a newspaper publisher's dream for selling papers...

Standing against many of her concerned and wary countrymen, who disliked Bernhard right from the start she married her dashing choice 7 January,www.canadagooseprix.net, 1937 and hardly ever had a happily married moment thereafter. Adolph Hitler (who had, let it be recalled, a puckish sense of humor) sent as his wedding present a strong hint that this marriage was really in the nature of an alliance between his acquisitive Nazis... and the Dutch.

Such was the outraged reaction of the nation that Juliana 's mother Queen Wilhelmina and her government were forced to issue the strongest possible denial, though of course many people still doubted... and rightly so. Hitler meant to have the Netherlands, its refineries, its far-flung imperial possessions, the Rembrants and Vermeers he coveted... probably he wanted all the tulips, too. He bagged them all, for a time, but he failed to capture the Royal Family. In the person of Princess Juliana, her two daughters (including future Queen Beatrix) and always her egregious consort, she went to Canada, where she lived a life of quiet simplicity and service, thereby gaining the hearts of Canadians, who can be quick to smell pretension. Quite simply, she set out to capture their hearts... and she did. It was a skill worth having.

She would need it in the eventful years to come, years marked by World War II and the Nazi occupation and spoliation; by her succession as Queen in 1948 upon the abdication of her mother and the simultaneous loss of Indonesia and the golden possessions of the East Indies, producing national despair. Juliana coped with all... until she had to cope with her last child Princess Christina (born 1947) born nearly blind and other afflicted because of her mother's German measles contracted during pregnancy. Desperate to help a much loved child, Queen Juliana, as she was now, sought help and consolation in mystic religion. Her people,canada goose france, sympathetic to her plight, were not as sympathetic to the faith healers in whom she sought solace. Her husband, of course, gave her the same attention he always had... none at all. There were serious grumblings against the dynasty. However a lifetime of service, the simplicity of her ways, and rising Dutch prosperity, saved the woman who as queen, liked to have her countrymen call her ("mevrouw", Dutch for "Mrs"). This covered her shady husband, too, from the fall out from one sexual and financial escapade after another. The woman, the queen he constantly wronged, constantly saved him. Such was her meaning of love.

There are echoes of all this in the over 1,700 items from her possessions in the March, 2011 Sothebys sale, the proceeds going to the Red Cross she ardently supported in life. Personally, I intend to pick up a little silver something for myself. It may be from the Queen's great store...or perhaps even from Prince Bernhard's. He had better, more royal tastes, and from his financial chicaneries he was able to indulge them.
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People in nowadays have to work under environment of great pressure. Subsequently, their eyes are greatly strained. People of different age groups are suffering from eye problems at the same time.

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When you hear about Florida assisted living and Florida nursing homes being described as distinct from each other, you would wonder how they differ from each other. This is one of the common questions that a lot of people would want to know the answer to before finally deciding where to place an elderly family member or a loved one. Both Florida assisted living and Florida nursing homes are facilities that are duly licensed and governed by the state of Florida, but they differ on the services they are allowed to offer and give their residents.

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Florida assisted living setups specifically function by providing help and assistance to residents on their daily living activities that may include bathing,moncler prezzi, dressing grooming, toilet supervision, and administration of medicines, plus giving them three meals and two snacks a day. It could also include transport of residents to and from any medical appointments they may need and arranging social outings and activities.

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Florida nursing homes need to have a license before opening up, and the state of Florida have several criteria that should be met by each applicant. The license is usually for the number of patients they are allowed to take in, the home size, staffing, and some other equally important requirements. Because there are several nursing homes in Florida, it can be a challenge to choose which one is right for your patient. If you need a place for a weak and ailing patient,www.monclerpiumini-it.net, then go for a more dependable home. The statistics alone can help verify if the one you have chosen can best serve the patients needs. Florida nursing homes are supposed to be homes for those who need simple and complicated medical needs. The long-term needs can be very well taken care of if the nursing home have medical professional staff that have the skill and training to handle different kinds of conditions.


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Being the capital city,New Balance Pas Cher, Bangkok is obviously the largest city of Thailand. Bangkok is the finest example of creating a balance between modernism and tradition. This city offers so much peace along with all the modern day facilities to its tourists. In Bangkok you will find some of Thailands most beautiful temples and historical monuments. Also the Bangkok city has an amazing and charming nightlife. So just search for some
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It is that time of the year once again that your vacation rolls around and you would like to take a trip to Hawaii and visit the island of Oahu this year. You have heard that the prices are very outrageous and you have been hesitant to book this trip. You can be assured that the island of Oahu can be just what you make it.

First of all the rental cars are reasonable and probably a better deal than taking the bus every place you want to go. The hotels are sometimes pricey if you want to be right on Waikiki. Waikiki is a great place and everybody should visit the area for swimming and shopping but there are some very reasonable hotels and condos in the area that would be considered cheap and great for someone on a budget.

Check the internet because the flights from the mainland to the island will probably be the biggest part of the cost of the trip. There are many online sites that have deals which include flights, hotels,Nike Dunk Low, maybe a breakfast and some even have a rental car. If you can,Nike Dunk High, find one of these deals which are available quite often online.

You can do some of your booking online or call the hotel direct, as well as various activities and see if you can get a lower price. Sometimes these hotels will lower the price if the don't have a full house and it looks like they won't fill up. There is just so much to do on the island of Oahu that you probably won't have time to do all of it. Remember, the beach is always there, it is free and so is the sun.

A lot of the big attractions, amazingly, are free or very little entrance price. Some even will take a donation. As was stated earlier, the hotels are mostly just to sleep in and call your home base.

If you have a rental, you will be able to see most of the attractions in your weeks time. Once again, it may sound funny but most of the great things to see and visit are free. Off Waikiki beach you have the Honolulu Zoo and it doesn't cost much to visit. And then the Kodak Hula Show close to the zoo has a free show as does the Honolulu Aquarium. It is a low entrance fee and they are all good places to visit.

Diamond Head is free to visit and you can even climb the path and walk out to the point of this crater to view all of Waikiki. It is a wonderful view. These are just a few attractions that are close to the Waikiki beach area. You can spend all you want but it is possible to have one of those cheap vacations and see just about everything that someone who pays much more will see.


Duane Hanson was born on 1925 in Alexandria,Timberland Homme, Minnesota. Duane Hanson's primary interest was in recreating the human form. His first extant sculpture is a three-dimensional wood rendering of the figure in Thomas Gainsborough's famous portrait The Blue Boy (c. 1770). Remarkably, Hanson created his version of Blue Boy in 1938 when he was thirteen, while living with his family in Parkers Prairie, Minnesota, an isolated town of 700 inhabitants. According to the artist, there was only one small library in town, which had only one art history book, in which he discovered Gainsborough's portrait of a dashing young man wearing blue satin breeches. Hanson carved Blue Boy out of soft wood, possibly a log, using whatever implements were available, including his mother's butcher knife.
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In 1941, on a trip to Minneapolis, Hanson visited an art museum for the first time, where he joyfully discovered that actual works of art were on display. Upon encountering one of these extraordinarily realistic sculptures, the typical reaction of a museum visitor unfamiliar with Duane Hanson's work can be among the most interesting and amusing events one might witness in a museum or gallery.
Hanson's sculptures,Moncler Pas Cher, especially those that are appropriate in a gallery setting such as Seated Artist, Museum Guard, Janitor or Old Couple on a Bench, are often dismissed as people at rest--sitting or standing like any other visitor. Many visitors may never know that those people they passed were actually artworks. On other occasions a visitor might try to engage the sculptures in conversation. Of course, after a few moments they discover that these are not real people after all!

Duane Hanson was an extraordinary craftsman and an observer of life. In creating an artwork, he first determined the proper pose for the sculpture. Working with a model, the artist took photos until he was satisfied with the figure's position. Then the artist formed rubber and plaster molds of each part of the subject's body--arms, legs, torso and head molds were each created separately. When the molds dried, they were cut off the model and filled with flesh-colored polyester resin reinforced with fiberglass.

Conclusions:
Hanson's early sculptural efforts also included carving his mother's old broomsticks into miniature representations of the human form (or portions thereof), both nude and clothed. Like Blue Boy, these miniatures are naturalistically rendered. Striking a variety of poses, they suggest that Hanson was exploring the different postures that the human body can assume.


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Online Gamers Love Time Cards

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Air tubs are much better for the elderly than the traditional whirlpool tubs. This is because whirlpool jets create pressure points that can make the bather uncomfortable. If the bather is uncomfortable they will not use and gain the benefits of their newly acquired walk in bathtub. With an air massage tub the user gets a relaxing therapeutic full body massage.
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PRESENTATION
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22 February 2006 - 29 May 2006

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14 May 2006 - 28 May 2006

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10 June 2006 - 20 August 2006 (TBA)

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21 June 2006 - 30 June 2006

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Now that you know what kind of cover you need, you need to figure out if the company is reliable. You can go through online reviews to see if motorists were able to get great service from the company before making a final decision. Company representatives should give you all the information you need to make an informed decision. If you feel they are leaving out important information, it's likely because they want to hide their limited cover options and hidden fees.

Once you settle on the insurance company to work with, you need to familiarise yourself with the company's system and how they process problems. Aside from getting cheap motorcycle insurance, it's important to see what kinds of services are offered in the plan you're buying. An emergency driver and overnight accommodation is something you should consider if you want to prepare for the worst case scenario.

Insurance companies will evaluate your risk as a client beginning with your bike. Try to shop around and find out how much it costs to cover your specific type of motorcycle. There are companies that will charge you extra for certain brand names and specific types of motorcycles.

Of course your driving history, age and the years you've been on the road will also be a factor. That is something you can't really control but you can see how the pricing differs from company to company. Although it doesn't appear to be obvious,Nike Dunk High, insurance companies quote you by your address just as well. High insurance rates are given to people living in accident prone areas as well as in areas with high crime rates.

By doing a little bit of research into various insurance companies and figuring out what cover you'll need, you'll be able to find cheap motorcycle insurance. Just make sure that you don't skimp on the necessities such as European roadside assistance and protection from theft. The pricing shouldn't be the only thing you should be looking at as costs can be high if the policy doesn't cover your situation.
If you are one of the many people who are often searching for cheap sports nutrition supplements to enhance your diet and your health, you might be wondering where the best website is to get what you need without paying out a ton of money for it. There are hundreds of websites that offer everything from products that promise to double your muscle mass in a day to those that claim they help people lose 50 pounds in a month. With so many sites to choose from, it is no doubt difficult to separate those that are truly homes of fantastic deals and those that may look great at first, but make up for it in one way or another by charging outrageous shipping and handling charges or by using a less than optimal carrier. Many websites offer low prices on their items but also hurt their reputations by also offering lousy customer service.

When you are serious about your body and you are committed to getting in shape and staying healthy, you need a company that is going to really offer you sports nutrition supplements with no gimmicks, no tricks and no hidden surprises. There are several things you can check out to make sure that any site you are on is one that you will have a positive experience with,nike air force 1, regardless of what products you are interested in purchasing.

The first thing to look for is an emblem, logo or seal somewhere on one of the website s pages that serves as proof that they are a secure website. When you see one of these logos, it shows customers that the website owner has taken measures to ensure his customers safety and security regarding their personal information. Why is this so important other than for the obvious reasons? It is important because it shows that the person in charge of the site cares about the people who visit his or her website, which means that there is a good chance that the same care is going to be taken with prices, products, customer service, returns and every other facet of the business.

Another thing to look for in a good site for sports nutrition supplements is shipping charges. If a company offers products for very low prices but charges three times as much for shipping as other businesses, they are not interested in offering their customers any value! This also probably suggests that they are not overly concerned with customer care or service, either so this is another red flag to look out for in regards to sports nutrition supplements websites.


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Looking for something roomy to accommodate a large family? Looks like the Elddis Crusader Tempest caravan could be just the ticket.

It looks like the triple-fixed-bunk set-up is here to stay: the Tempest is the latest player to have its name added to an ever-lengthening team sheet that includes offerings from Bailey (first name on the list), Swift, Lunar, Adria and the Crusader's room mate, the Avante.

Arguably, the Tempest is the most imposing of the three-bunk six-berth contingent. The top-of-the-range Crusader is a big old beast, needing twin axles to accommodate the 20-foot-plus interior length. That's space enough for a full-size lounge at the front and a separate shower cubicle in the washroom.

Phew... There's a lot to get round, then. Better get on with it.

Construction

You could have a torrid time with assorted doors in the Tempest, the worst offender being the entrance door, which left me stranded outside when its notchy handle refused all polite requests to disengage from the latch fully, despite being completely unlocked.
Eventually, I gained entry by distinctly impolite means, and thenceforth kept the keys in my pocket every time I left the caravan. It repeated the same trick once, then behaved better - but always felt sticky.

Inside, the washroom door has one of those new breed of domestic-style handles, but it was already coming loose and didn't engage properly. The push-button release on the wardrobe door reminded me why I don't really like push-buttons: I pushed and, for a long time, it didn't release. Eventually, it admitted defeat but was still prone to bouts of stubbornness. If this one can be classified as a minor niggle, the other two would be unacceptable on any caravan, never mind one costing as much as this.

The quality of the joinery elsewhere on board is very good, with the nice, thick woodwork reminding you that you are, after all, in a top-of-the range caravan. Outside, the panels are joined to one another neatly and precisely

Towability

By the time you've decided to make a six-berth on a twin axle and kit it out with most of the available goodies as standard, there's little point in watching the pounds and ounces - you may as well have that second jumbo jam doughnut and be done with it.

So it is, then, that the Tempest weighs in at just under 1900kg if you take full advantage of the available payload. Nothing this side of a Land Cruiser, Pathfinder or
Discovery 4 will suffice. But, busy high streets and sweaty-palm-narrow site entrances notwithstanding, a massive outfit such as this will be superb on the road, with eight wheels providing well-planted roadholding, suspension dampers helping to smooth out the bumps and the standard hitch stabilizer providing that extra hand on the tiller. My friends old Discovery V8 made light work of it but,Moncler Homme, then again, I'd have been gutted if it didn't...

The two rear foglights and a pair of reversing lamps are sensible fitments.

Usability

My guess is that it must be great fun working in the Usability Department up at Elddis Towers. These guys consistently come up with ideas that make it all the way onto the finished product.

For example, a caravan's front lounge is often left 'exposed' when converted into a bedroom at night, but not here: a pull-out concertina blind shuts it off completely to give the occupants on either side of the divide a bit of privacy. It also means the lounge can be pressed into service as a changing/dressing room, a task it's much more suited to than the elbow-bashing confines of the washroom.

Something else: there are two mains sockets in the kitchen, so the kettle and the toaster can be plugged in at the same time. There's another mains socket under the fridge that provides power to the bedroom: handy for charging up the mobile overnight

The exterior gas barbecue point is a fine addition on a family holiday machine such as this; and the hinged, slatted bases of the two lower fixed bunks lift up out of the way to give a vast storage area when they're not in use. The awning warmer is basically an exterior-wall outlet for the blown-air heating system. But don't dismiss it as a gimmick if you've never experienced it: it's enough to make a difference in the cooler days of spring or autumn.

Never mind cooler days: if you use the Tempest in the dog days of winter, you'll be glad of the 40-litre inboard water tank,moncler piumini uomo, which removes any worry of your water supply freezing up overnight.

The so-called privacy glass on the side windows isn't misnamed: if you want to sneak a look inside this one as you walk past on site, you'll need to press your nose right up against the window.

But the highlight here is the presence of the 'proper' side dinette that offers genuine seating for four (maybe not four full-sized adults, mind), not to mention a terrific single bed that easily trumps the bunks for space and comfort. It's no big deal to transform it from bed to seating in the morning, either.

Storage is first-class. Wide-opening hatches provide easy access to the front bedlockers, and there's exterior access to the nearside one, too: open that hatch and you'll find a mains socket for use in the awning.

Each seat base in the side dinette also has a handy door, making it fuss-free to get to the very useful space in here, too. The wardrobe at the back is good and deep, with plenty of hanging space.

The carpeting is provided in loose-fit sections, an absolute necessity in a caravan that will no doubt have more than its fair share of muddy trainers and wellies to contend with. The big centre section is a bit unwieldy, mind: dividing it into two would make it much more user-friendly

Living And Sleeping

The triple fixed bunks mean that much of the chore of bed making on holiday is removed: indeed, if you're using the Tempest as a four- or five-berth and the kids are all happy to claim one of the bunks each that only leaves the front double to attend to. If Mum and Dad are happy to take advantage of the long lounge and use single beds instead of hauling out the slats to make the huge double, the chore is all but eliminated completely.

Each bunk occupant benefits from a 12V reading light and privacy curtain,www.moncler-outlet-italia.com, but the person in the uppermost one loses out on a window. Other makers see fit to oblige, so it's a strange omission here.

They're fine beds: on the basis of my trying out the bottom one, the mattresses are firm and supportive, and there's room enough to toss and turn. The windows are sited so that their infrastructure doesn't get in the way of shoulders or elbows.

The wider-than-usual side dinette makes up into a luxurious single bed that allows the luxury of sprawling. The base is formed by slotting the clip-on table top between the seats. A curtain for a bit of bedtime privacy would be a useful addition, though.

The washroom is directly opposite the bunks, so it's effectively an en-suite facility for the bedroom.

The front lounge transforms into great sleeping quarters, whether in single- or double-bed mode: the sprung upholstery is deep and supportive, giving all-night-long comfort. Slats glide in and out effortlessly to make the double. Pull the concertina blind across and you really feel that you, too, have your own proper bedroom.

Just as much care and attention have been lavished on the lounge to make it a fine place to be during the waking hours: sink into those substantially upholstered front comers and you'll find them every bit as comfortable as they look. There's enough room here for six, but why cram everybody in when there's such good seating available in the side dinette? With two dining here, everybody on board will be able to wallow in space and comfort.

Kitchen

Elddis kitchens are always impressive and this one's no exception. There's an enormous amount of storage, divided among lockers, drawers and a huge cupboard under the sink. A respectable amount of work surface has been designed in, and there's always the possibility of using either the hefty chinchilla glass covers of either the sunken sink or hob.

These now-familiar covers are heat, scratch and stain-proof. With three gas burners (one of which is supersized), a grill, oven and microwave,Supra Chaussures, cooking dinner for six should be easily achievable. The wall-mounted Thetford fridge with totally separate freezer, directly opposite the cooker, is a real tour de force - stylish and, with plenty of capacity, immensely practical.

I can think of just one reason to mark this impressive kitchen down, and it's the usual - one little striplight over the sink just isn't good enough for a kitchen this size.

Wash Room

Once you're past the disappointment of the door, things start to look up. The mirror-fronted cabinet takes care of storage - that 'cupboard' under the basin is actually a bijou linen basket. The wash hand basin has been attacked by the mastic gun: generous sealing is one thing, but there's so much of it here,Moncler Pas Cher, it looks untidy. There's a carpet section in here - loose-fit, thankfully, so it can be whipped out.

The washroom is nice and spacious. Sensibly, the separate shower compartment is at the back of the room, so doesn't put the wc or basin out of commission if it's being used. This is a nice facility - spacious and with sensible provision for gel and shampoo.

Lighting and Electrics

Two wall lights in the front comers, four reading lights, four downlighters surrounding the sunroof binnacle and two 'mood-lighting' strips. That's the lighting allocation... for the front lounge. Strewth! Suffice it to say, you won't run short of illumination, unless you're trying to see what's occurring on the hob after dark. The mood lighting is hidden under the overhead lockers on either side of the lounge and in the side dinette. It doesn't give out much light by itself, but with so many other lighting options at your disposal, you can dial in whatever ambience you fancy of an evening.

There are another four downlighters surrounding the second sunroof in the middle of the caravan, two reading lights in the side dinette, one for each of the bunks, a downlighter over the mirror outside the washroom and no fewer than three in the washroom itself. Let there be light? I should cocoa.

Let there be power, too - there are five mains sockets inside, two of which are accompanied by aerial/12V sockets to give you a choice of TV viewing locations. As mentioned, the bedroom is connected to the mains, too, although its semi-hidden location under the fridge had me foxed at first.

All the controls are where they should be for ease of access, putting the seal on a thoroughly well-connected caravan.

Verdict

The Tempest's build quality concerns are very out of keeping for an Elddis: none the less, I'd be less than elated to encounter them if I had just taken delivery of a vehicle costing nearly 21 grand (sterling). In virtually all other regards I'd be chuffed to bits: it's spacious in every area, smartly turned-out and really makes the most of what is a terrific layout.

Consumer debt is a terrible thing, and when it gets particularly bad, many people end up filing bankruptcy because they can see no other way to end the situation. UK residents are fortunate in having the option of an IVA to use if their debt situation is very serious. This was designed as an alternative to bankruptcy,ugg boots sale, and is a way of writing off a large part of your debt without the drastic consequences of becoming bankrupt. The nearest equivalent to an IVA in the US is debt settlement, which is also a way of eliminating a portion of your debt and making it more possible to repay the rest.

Even if you have a good understanding of what an IVA is, you will naturally want to make sure you find the best IVA company to work with. This is a very important point because there are a huge number of debt management companies in the UK and they are unfortunately not all entirely honest. When you approach an IVA company you need to know that the advice you will get is based on telling you what course of action is going to actually deal with your situation most effectively and get you out of debt the fastest. What you have to avoid, therefore,www.uggbootsshop-ch.com, are companies who will simply advise you to do whatever they can charge large fees for, rather than what will work best for you.

This article will give you the information you require to be able to sift through and find the best IVA company for you. You must first of all understand what an IVA is and how it works,moncler doudoune, so that you know what you ought to expect from a good IVA company. We will then look at how you can avoid all the less reputable organisations that might leave you worse off than before you signed up with them.

You need to understand that an IVA is different to a debt management plan, because it is a formal and legally binding arrangement. Your creditors do not have to agree to a debt management plan if they do not want to, but with an IVA,Boots UGG Pas Cher, if you can get the creditors for at least 75 of the value of the debt to sign up for it, the other creditors have no choice but to be part of it. This can be a big advantage if you have a creditor who is not willing to co-operate with your attempts to deal with the debt in this way.

One of the main advantages of an IVA is that after a fixed period, usually of up to five years, your remaining debts are written off. This can mean getting rid of up to 75 of your debts at a stroke, if you make sure you use the best IVA company. The other thing that people find most useful is that you only have one monthly payment to think about, and this is based on what you can actually afford. Another major plus is that your creditors are legally prevented from chasing you for unpaid debts, as they have to deal with the IVA company instead of you.

Something else to bear in mind is that IVAs are not the best solution for everyone. They are still a serious step and should only be used for very bad debt situations. You will normally have to have at least 10,000 worth of debt to be able to set up an IVA. If your debts are smaller, or your income more substantial, a debt management plan may be a more appropriate option.

Provided you approach only the best companies,ugg boots ireland, their analysis of your situation will tell you whether an IVA is right for you, or whether you should go with a debt management plan. The best companies will offer both. If you are a UK resident and you think an IVA may be the answer to your problems, you should only approach companies that are very well established and can demonstrate a history of having provided the right solutions for hundreds of other people before you.

The best approach is to avoid new companies as they are an unknown quantity. The safest starting point is to follow recommendations for a few of the most reputable IVA providers, and apply to a few of them. This will allow you to compare what they offer you so that you can then choose who you think is the best IVA company, from a group which are all safe and effective.

DATING ADVICE UK: Ready to Date and Find a Relationship?

Are you ready to date and find a relationship? You may think you are but if you are still playing the looser in the dating game its time to learn how to move on. Learn what you need to handle before dating,moncler donna, and relationships are going to work for you.

Ready to start dating to find a relationship?

Well - are you ready to start dating? This may apply to whether you have been dating or are new to dating again after a long-term relationship. Of course I am, you may say,www.timberlandhomme.com, but it is surprising how many people I talk to who say they are ready but when we dig a bit deeper all kinds of dating/relationship/life issues surface. How about the lady who said she was ready but there was a certain man who had been around in the background for 11 years? Or the woman who likewise is ready but never has the time even to go to the hairdressers or check her bank statement because of the hours she works?

What gets in the way of successful dating?

So much can get in the way of being ready to date successfully and find a relationship. These are a few of the things that are common:-

Still holding emotional baggage from previous relationships
Being in the middle of legal chaos
Working such long hours that you can't find the time
Over -commitment to family
People in your life who hold you back
Not knowing what you really want in a life

Wherever you may be, it is important that you give yourself a dating/relationship road check. By that I mean looking at all areas of your life so that you are clear what you need to handle before you could possibly start getting into a relationship. This may sound trite but to be successful in relationships you need to find a way to be successful in life. Relationships are not an isolated part of our lives but a reflection of how we live our lives in general. If your life is in balance it is much more possible that you will be able to find,moncler piumini uomo, and build upon,Supra Chaussures, a successful relationship.

Building a Life That is Ready for Relationship

I just mentioned a relationship road-check. If you are going to be ready to go on the road' so to speak what needs to be in place? These are some areas that I suggest you look at:-

Physical/emotional health
Work/career
Lifestyle
Money
Family
Friends
Environment home etc.
Relationships

What you need to do is to first honestly summarise where you are in all these areas. Secondly take a look at what you might need to do to resolve any or all of the issues that are currently outstanding. If for instance under friendship you realise that the people you mostly socialise with are only interested in going to bars & getting drunk and you have had enough of this. You need to find people who want to do the kinds of things that you would find interesting and satisfying. Your working life is less than satisfying,www.moncler-paschere.org, how can you turn this round? Remember small steps can make a big difference and I am not talking about doing this overnight. It is not a makeover programme but a life programme. It's about getting more focused and into action on your own behalf.

Now Get Ready for Dating and Relationship

Now you have a plan for handling some areas of your life that need attention you can also look at where you are in terms of dating and relationship. The old saying success breeds success may be very annoying when your life does not resemble anything like success. Just a pause here to note that success is whatever success means for you not what others might judge to be success. I can assure you that when you begin to take the steps towards becoming more successful in one area of your life there are knock on effects that impact on other areas.

Without doubt you will begin to show up differently to those around you. Those friends who held you back or not even knowing how much you have in the bank can be a thing of the past. This is about standing up and taking responsibility for your life so that you can take responsibility for the successful relationship that you really want. Take one step at a time making sure that all the steps are going in the same direction and you will realise that you can get your life moving on the relationship road.

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Perhaps you've recently begun an MLM business of some type. As a new distributor/business owner one of the first things you do is follow your sponsors instructions and begin making a list of everyone you know. This is known as your "warm market."

The idea behind the warm market exercise is to allow you to approach potential customers and distributors by practicing your sales pitch on people that you already know and are comfortable talking to.

Excitedly, you grab your "warm market script" that your MLM company gave you and you start working your rolodex of warm market prospect. Quickly, you notice that the word has gotten around that you are calling people and some people inexplicably don't even take your calls or read your emails. Strange but true! Your own friends and family will use a perfect stranger for their goods and services rather than spend money with you. Don't take this personally. This has happened to every MLMer in the history of MLM.

Now, you've got to face the harsh reality that your warm market friends and family are not going to support you in your efforts to build a brighter future. You begin to harbor thoughts of "crabs in a bucket mentality." Sad but sometimes true. We have no choice but to keep moving in the direction of our goals.

I can't explain your warm market's behavior but I can help with a fix. Today's internet is as wide open as it has ever been and new opportunties are popping up every day. You can make the most of these tools by finding a good mentor and begin to learn the web just like anyone who is successful has. We all had to start somewhere. You too can learn to market like a pro all around the world. In fact, if you want your MLM company to grow quickly,ugg boots sale, you may need to learn how to use the web to your advantage.

Now,Boots UGG Pas Cher, I don't even mention my MLM businesses to my friends or family any more. They have to guess at what I'm doing and they have no clue of how extensive my web experience has become. In fact, it was an attempt to start an MLM business that led me to the web. A short time ago, I had no idea how to market on the web. Now,www.uggbootsshop-ch.com, I market every day and very comfortably.

Don't give up on your MLM dreams. They are possible for you. Famed philosopher Bob Proctor of "The Secret" once said "you must believe your dreams are possible for you." You just may have to find another way to market that doesn't involve dragging people to home meetings, etc. Contact me anytime and I will be glad to help.

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Segal Sentencing Delayed Indefinitely for Psychiatric Evaluation
Former Chicago insurance broker Michael Segals sentencing for a federal conviction on 19 counts of fraud and racketeering related to nearly 30 million in missing premium trust funds has been delayed indefinitely. Segal,gucci chaussures, former owner and CEO of Near North National Group, was due to be sentenced in March, but the date was rescheduled numerous times.
This time, U.S. District Court Judge Ruben Castillo has delayed the sentencing and ordered a psychiatric evaluation for Segals allegedly precarious mental condition. Segal, who has been housed at a federal jail in downtown Chicago since being found guilty in June 2004, has reportedly struggled physically and emotionally. His businesses have been sold off in order to pay fines and compensate his clients, and his wife has filed for divorce.
According to Steve Warmbir of the Chicago Sun-Times, Segal has found himself so distracted while in jail that he requested a stenographer to help keep track of his thoughts on his own sentencing. Earlier, Segal requested leave from federal prison to treat an alleged scabies condition hed developed while in jail. He was denied leave because he is considered a flight risk. No new sentencing date has been set. Segal faces more than 20 years in prison.
Auto Rates Up 4 in 2004 The average cost of an auto insurance policy in Michigan increased 4 percent in 2004, according to a study by the Insurance Institute of Michigan. The average auto insurance premium in 2004 was 1,130, compared to 1,086 in 2003, the study concluded.
Michigan is the only state that requires insurance companies to provide unlimited,www.canadagooseprix.net, lifetime medical benefits to motorists injured in auto accidents. Auto insurance premium hikes in Michigan and across the country have leveled off after years of increasing. The number of auto accidents, safer cars and fraud-fighting efforts have contributed to this trend, IIM Executive Director Peter Kuhnmuench said in a statement. However, he observed that rising costs for medical care, vehicle repairs and lawsuits remain a problem.
State Sponsors Comp Seminar The Michigan Department of Labor and Economic Growth and the State Bar of Michigan have teamed up to develop a four-part seminar series about workers compensation, beginning Aug. 3. The series,goose coats, aimed at lawyers and others interested in learning about the states workers compensation law, will cover the basics of the states workers compensation law for those new to the field as well as some refresher information for the more experienced practitioners,canada goose france, according to DLEG Deputy Director David Plawecki.
The seminar will be teleconferenced to sites in Detroit, Grand Rapids, Lansing and Saginaw. As seating is limited, reservations are required to attend and must be made by Monday, July 25. Reservations are accepted by telephoning Hilda at (248) 357-7013.
NORTH DAKOTA
June Hailstorms Total 18 Million in Insured Damages North Dakota Insurance Commissioner Jim Poolman reported that severe weather that ripped through the Dickinson area in Western North Dakota and the Langdon and Walhalla areas in Eastern North Dakota earlier this month has caused an estimated 18 million in damage to insured property.
Early estimates from several major insurance carriers who write a majority of the auto, homeowners and farm/ranch insurance market in North Dakota indicated that they have received more than 4,500 claims. Many companies report that they have completed the adjustment of around 25 percent of the claims filed and expect to be finished assessing damage in the next few weeks. Many insurance companies have set up catastrophe teams in the Dickinson area.
OHIO
Employers Can Split Comp Premium Into 2 Payments Beginning July 18, Ohio employers will be allowed to split their premium into two payments for the Jan. 1 to June 30, 2005, payroll period. If an employer chooses the online 50/50 plan, the Bureau of Workers Compensation will only require 50 percent of the amount due by Aug. 31, 2005. The option is only available online. The remaining amount due would be payable by Nov. 1, 2005. The bureau is enacting the special offer,canada goose Jakker, which it said may not be offered in the future, in order to assist employers angered by the funds decision not to offer a dividend, as it had for the last nine years.
WISCONSIN
Bill Would Leave Insurers With 500 Million Fox River Cleanup Tab A bill that would force insurers to pick up the estimated 500 million tab to clean up the polluted Fox River has been passed by the Wisconsin Assembly on a 49-44 vote. The bill now heads to the Senate, but will not be considered before August. Called the Fair Claims Act, Assembly Bill 222 was proposed by a group of state legislators who represent the Fox River area and the approximately 100,000 workers employed by the paper manufacturers. It would force insurers to pay all-sums up to the policys limits due to a covered risk regardless of whether or not it occurred during the policy period.
American Insurance Association spokesman Jeffrey Junkas said insurers are cautiously optimistic because the Senate Majority Leader Dale Schultz (R-17th), former chair of the Senate Agriculture and Insurance Committee, understands the property/casualty industry very well. While Schultz has not made a public statement about AB 222, he did oppose inserting it into the two-year budget package which is still being debated.




From This Issue






July 18, 2005Insurance Journal West Magazine

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2005 Excess, Surplus and Specialty Markets Directory, Vol. I
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Colorados major automobile insurers are reportedly urging lawmakers to reject a last ditch no-fault auto insurance reform plan that would offer no cost saving for policyholders.
Members of the National Association of Independent Insurers (NAII), which consists of the states major automobile insurance writers have been joined by State Farm and others to voice their strong concern that lawmakers will miss this golden opportunity to give their
policyholders the cost relief they are demanding. Together, these companies represent close to 70 percent of the private passenger auto insurance in Colorado.
Between the alternatives currently before lawmakers, returning to a tort or fault system is the best answer for giving consumers what they want rate relief, Michael Harrold, senior director, state government affairs for the National Association of Independent Insurers (NAII), said. The No-Fault Reform Bill,canada goose, SB 78, simply does not go far enough to fix the current system and its becoming all too clear that additional amendments being pushed by special interests will only result in higher costs to auto insurance consumers.
Motorists in Colorado are reportedly paying the 11th highest auto insurance rates in the country due to the expensive and broad medical coverages drivers are forced to buy under the states no-fault system. As costs have spiraled out-of-control, the average personal injury protection (PIP) premium has skyrocketed by as much as 80 percent over the past two years.
While Colorado auto insurers have always supported aggressive no-fault reform that would provide lower costs and good benefits, this final legislative push to save no-fault reportedly ignores the fact that there is another viable option to fix the system. HB 1188 reportedly replaces the broken no-fault law with the more common
tort system.
It is estimated that HB 1188 could save Colorado policyholders between 25 and 36 percent off the current state mandated liability coverage,canada goose pas cher, which could add up to a savings of 176 per car.
For those policyholders who choose to purchase optional comprehensive and collision coverage,www.canadagoosejakke-dk.net, savings under a tort system are estimated to be between 15 percent and 20 percent, or up to 140 per car.
Representatives of the National Association of Independent Insurers told the Massachusetts Division of Insurance at a recent hearing that one of the most effective ways to enhance the insurance market for consumers in the Bay State is to move from the current system in which the Division fixes and establishes rates to a more competition-driven regulatory system.
Gerald L. Zimmerman, senior counsel for the NAII stated: For more than 25 years, competition has been suspended and rates have been fixed and established. Its time to begin actively working to restore a more competitive system, starting in 2004, as contemplated by Massachusetts law.
The NAIIs testimony pointed out that there are only 20 insurance companies that write a significant amount of business in the state, and the number has been declining steadily for decades. Ten years ago, there were 30 insurers in the state with writings of more than 1 million; and in the late 1980s and early 90s,canada goose sale, another 14 insurers paid more than 250 million in exit fees to leave the market. Experts believe there may be five fewer insurers writing in the state over the next five years, the bulletin noted.
This is the smallest number of carriers of any state in the country, and it is symptomatic of a distressed, unhealthy market, Zimmerman stressed. Should one of the remaining writers with a large market share stop doing business here, Massachusetts consumers could well face an availability problem and a major auto insurance crisis.
The problem, said the NAII, is that Although the Division has assembled several task forces over the years to consider a return to competition, nothing has come of the efforts to date in large part because of Massachusetts deeply embedded territorial and class subsidies. Zimmerman indicated that while those subsidies may have originally had some social or political justification, they seriously distort the pricing of auto insurance in Massachusetts. Most good drivers pay too much and bad drivers pay far too little.
The NAII said it supports a solution that would bring incremental rather than sudden change to the system,Gucci pas cher, starting with a very small step in that direction for 2004, such as allowing insurers to develop and price endorsements to the auto policy. It also wants to see more freedom in pricing of one or more optional coverages, perhaps involving the use of flex-rating bands.
It urged the Division to engage outside actuarial experts to design and implement these steps. Zimmerman concluded, that kind of expertise will be essential, and we do not believe it can be obtained through another task force.

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ATTENTION! Thanks to This Powerful Information, Thousands of Men and Women

Worldwide Have Been Successful With Curing Their TMJ Pain Within Days!

"Former TMJ Sufferer Reveals The
Only Natural Program In Existence
That Will Show You How To
Cure Your TMJ Permanently"
Dear TMJ Sufferer,

Youre about to discover what might be the most effective holistic TMJ

cure ever developed. Its the same program thousands of people just like

you and me used to get rid of their TMJ and achieve permanent freedom from

all pain.

My name is Katherine Page, I am a Therapist, and I am also a former TMJ

sufferer so I know first hand how TMJ pain can disrupt a persons life.

By performing daily 2-minute exercises and making some simple changes to

my bad habits, I was able to get rid of my TMJ in a matter of days.

If you would like to learn how to cure your TMJ permanently without

drugs, without surgery, and without that cumbersome mouth guard, then this

will be the most important website you will ever visit. I guarantee it and

Ive got the results to prove it!

Testimonial 1
"I refer this ebook to all my TMJ patients"

I am a general dentist in Texas. I refer this ebook to my patients who

have temporomandibular joint disorder. I usually ask them to read this

ebook and come back for a visit a couple of weeks later. Most patients are

amazed how much better they feel after practicing the exercises and other

tips from the TMJ Help Program. I highly recommend it. The instructions

and exercises are really easy to read and they produce great results.

Joseph Kretz
Austin, TX United States

What Makes This TMJ Cure Breakthrough So Unique Is That It Finally Gives

You A Chance To...

Treat your TMJ naturally. Sure there are "chemical solutions" to stop TMJ

pain for a short period of time, but wouldn't you like to eliminate it for

good? If youve ever tried to cure your TMJ using a treatment like

prescription pills, splints or even surgery and failed, its probably

because you have tackled only one aspect of the disease. Not only will the

TMJ Help Program teach you the only way to prevent your TMJ from being

formed, you will also learn the only way to naturally cure TMJ

permanently.

Cure your TMJ holistically. The tiny handful of TMJ sufferers who have

learned how to treat their TMJ pain by tackling the "internal TMJ

environment" and without ever using drugs or surgery are the only people

in the world who keep their TMJ pain free forever. Now you can learn these

TMJ exercises from a therapist and a former sufferer who knows from real-

world experience exactly how its done.

Get rid of your TMJ for good. The majority of people who use conventional

TMJ treatments get rid of their TMJ pain temporarily but most of the time,

their TMJ ends up even worse than when they started. Now you can learn how

to be in the small successful group of people that becomes TMJ free

forever. This holistic alternative can give you lasting TMJ relief without

the side effects that chemicals or surgery might give you.

Stop your TMJ pain without drugs or surgery. Drugs and surgery sometimes

work in a partial and temporary way, but the side effects can be very

unpleasant. Sure, you might get lucky and find relief from a chemical

substance or medical procedure for a while, but drugs can have side

effects and surgeons can make mistakes, they can even make your TMJ worse

and who knows what these drugs will do to your body down the road.

Testimonial 2
"Real help"

I had had it! I needed serious help! After years of wearing a night guard

to protect my teeth from the destructive effects of grinding them, my TMJ

had reached a new level. I had grown accustomed to and suffered through

chronic headaches, neck pain, jaw pain and upset stomachs. But when it

came to the point where I could barely open my mouth wide enough to eat

and I was experiencing intense shooting pains in my right ear, I didnt

know what to do. This was bad! Thankfully, I started the TMJ Help Program.

Within hours, the pain subsided, my jaw relaxed and I could once again

open my mouth, to my surprise even wider than before. My headaches and

neck pain went away. Happily,Moncler Pas Cher, my stomach problems became a thing of the

past. I sleep more deeply now. My jaw no longer gets fatigued nor

embarrassingly shakes uncontrollably when I get my teeth cleaned. The

quality of my life has dramatically improved! My body relaxes creating a

wonderful calming effect on my mind. My only regret is that I waited so

long to find about this cure.

Stephanie Borroski
Maritimes, Canada

Who I Am And Why You Should Listen To Me
I, Katherine Page, have been sharing this holistic approach to curing TMJ

disorder for over seven years now and the results are astounding people.

As I said earlier, I am a former TMJ sufferer. I want to tell you a

truthful story. I was plagued with TMJ disorder for years. Occasional

flare ups, trips to the doctor, prescription medications, years of pain

and misery.

I would get migraines, clogged, "stuffy", itchy ears, tongue and neck

pain, clenching all day and night, pain in the jaw joints, the cheeks

muscle, and the shoulders. Sounds familiar?

My TMJ came once with a torturous pay. That was about 10 years ago. I was

in extreme discomfort and visited my doctor. She confirmed what I already

knew, but she told me this time it was different.

"This Is More Serious Than I Thought " my doctor said. Due to the nature

and severity of my disc displacement, she informed me that there was a 90

chance that I would need surgery to reposition the discs.

My doctor said "It was Impossible to Cure". All the previous treatments we

d tried, merely controlled the symptoms: the infamous band-aid

therapy... Now it was a serious, very serious, situation.

Frustrated and with limited options, my husband George and I started doing

our own research.

Together We Explored Every Known
Treatment For TMJ Syndrome
George and I spent thousands of dollars and purchased every Internet

remedy we could find. We collected hundreds of medical documents about TMJ

disorder. We spoke to TMJ experts, researched jaw pain, learned about

joint locking headaches, ear pains and all other symptoms associated with

TMJ. I "lived" in the medical library.

Now, 3 Painful Years and Thousands Of Devoted Work Hours Later,
The TMJ Mystery Was Finally Solved...
My years of training, combined with detailed research and self-

experimentation in search for a cure for TMJ disorder helped me find a way

to end all TMJ suffering once and for all.

I don't want to go into details, I want you to feel the relief for

yourself... You don't want to hear about how I struggled to find this

cure, the hours and days and months and years it took to discover and

perfect this natural cure for TMJ. All you should care about is that it

worked! Time and efforts aside, the fact of the matter is that my goal was

achieved!

After experimenting with several different combinations of exercises,

massages, and diets, I finally felt that I had developed the perfect

approach to cure my TMJ. As I learned more about what worked and how my

body responded to each step, I became more and more confident that this

approach had lasting results. After years of anticipation, I felt that

this powerful system was the ticket... and with just a few days of

following it...

My TMJ Pain Was Gone!
Okay, I have to toot my own horn a bit. It took a lot of work to find this

cure, but it was worth every second and every bit of effort I put into it

because it worked. My TMJ is gone. The thing is, I wasn't sure if what I

found would work on everybody. I mean, what if what I found was peculiar

to me and my TMJ or something in my genetic make up? I had to test my

program on other TMJ sufferers and make sure it worked for them too.

Ok, so I made more work for myself but I had to try it and see if I had a

real cure so other sufferers like me could feel relief. Finding TMJ

sufferers who wanted to get rid of their TMJ wasn't hard. I quickly had a

test pool and tried my cure on them, hoping to help at least 6 or 7 out of

10. Instead, I was shocked by the results. 100 of my test group, over 30

people, were cured like me, some of them in a matter of days.

What Was Even More Astonishing Was That
It Worked On All Levels of TMJ Intensity
After getting such good feedback in such a short period of time, I decided

that it was time to make this cure available to everyone, which is the

reason why I wrote the TMJ Help Program ebook. Of course, there were

subtle changes to be made in the exercises and the other key ingredients

of the program to make them yield a remarkable difference, for the longest

period of time. Im now satisfied and ready to share my secret to

abolishing the pain of TMJ. Its now available for you to try!

Testimonial 3
"A must-read for all TMJ sufferers"

Thank you Katherine Page for giving me my life back. I thought I had tried

every cure for TMJ. After reading this eBook and following the exercises

and massage, I'm cured! It's a miracle! I had been suffering for years and

had spent hundreds of dollars on drugs and doctor visits - none of which

worked. I can't believe this program is so simple! Everyone with TMJ

should try this.

Bruce Parsons
Harpers Ferry, WV United States

I Also Made Some Scary Discoveries
I did some research before I intended to put my cure on the market and I

discovered some startling things. The drugs that supposedly "help" TMJ,

drugs I've tried in the past, are a total joke. Pharmaceutical companies

don't want to cure you, they want to sell you pills and they want you to

have to buy them forever. They don't care about your long term health or

the pain you suffer from.

Unlike us, pharmaceutical companies don't suffer, they just want to reap

the profits. In fact, these pharmaceutical companies fear what I have to

offer. An all-natural cure can put them out of business. Well, I don't

care about them, I care about curing TMJ. I know firsthand what it does to

you and to your quality of life.

I also discovered that almost everyone seeks the conventional forms of

treating their TMJ only to be disappointed! In fact, many of the

conventional treatments commonly used to treat TMJ might be severely

damaging to your internal system and hurt more than they can help.

WARNING:
Long Term Use Of Prescription Drugs May Lead To Dangerous Complications
The vast majority of prescription drugs, not just those aimed at treating

TMJ pain, can severely damage your delicate natural internal balance,

interfere with liver function,Timberland Homme, build up toxins in your body, slow down

your metabolism and lead to serious side effects. Additionally, taking

more than one medication, in many cases, can result in serious reactions

between the different drugs. One drug can change,Supra Shoes Pas Cher, or even worse, enhance

the side effects of the other drug. This can lead to harmful consequences.

WARNING:
Splints May Help In The Short Time, But They May Worsen The Situation In

The Long Run
Though splints are intended to reduce clenching and grinding, in some

patients they actually increase clenching and grinding. The teeth are

trying to get to where they feel they should go but the splints are in the

way which stresses the muscles of the mouth. This makes you clench harder

in order to get the teeth to that position. Some patients mention that the

splints help reduce pain for a while, but then problems may arise, such as

the development of an "open bite" (meaning when the mouth is closed, there

is a gap between the upper and lower front teeth).

WARNING:
Surgery Has No Guarantee Of Success But
It Will Most Likely Empty Your Wallet
TMJ surgery is a very difficult surgery because the jaw is a very

complicated joint. Such surgery is usually chosen as a very last resort

when everything else has failed. The tissue surrounding the jaw is tough

and difficult to cut and easily scars after surgery. Anyone undergoing

surgical procedures is at risk for complications of surgery. Any surgical

procedure poses a risk of infection and other complications, including

reactions to anesthesia. In fact, many patients are worse off after the

surgery.

Testimonial 4
"Practical, tangible, and fast help!"

For several years my jaw used to dislocate or get stuck closed so that I

couldnt open my mouth and it was very painful. Sometimes I was able to

get my jaw back in place, but once I had to go to an oral surgeon to have

my jaw put back in place. My jaw would also snap and pop when I would eat

without warning. My jaw would dislocate or get stuck by opening wide to

take a bite, yawning, or even yelling. After starting the TMJ Help

Program, my jaw began to relax and heal, and I didnt have to worry about

it popping out of place any more. My total treatment time was about two

days, and I have had no further problems with my jaw locking since.

Carina Hin
Birmingham, United Kingdom

There is IMMEDIATE RELIEF!
When we discovered the All-Natural cure for TMJ, I wanted to share it with

everyone. So I wrote the TMJ Help Program. In my eBook I explain ALL OF

THE SECRETS we discovered, every single one of them!!!

My eBook lays out step-by-step exercises that can permanently cure your

TMJ by treating the root cause. You will be free for all time from the

misery of this tormenting affliction.

My eBook takes you by the hand and guides you with plain, simple English,

illustrated with photos. I have tested, re-tested and perfected the key

elements that add up to success in curing TMJ.

Ive done the research work for you. Ive collected all the secrets into

an easy to read eBook. And I cant wait to share it with you.

Guaranteed To Cure Your TMJ
Or Its FREE!
How can I be so sure?

My research revealed to me proven exercises that other people do not know.

Once I share these exercises with you it will become perfectly clear to

you how you can cure your TMJ.

You just need to be told the AMAZING yet SIMPLE solution to curing TMJ

disorder. You need step-by-step instructions from someone who's had TMJ

and knows how to cure it.

Think How Wonderful it Will Feel to be Well
Think how great it will feel having your energy back. Regaining the glow

of good health. Feeling and looking healthy!!!!

What is amazing is that you can do this all from the privacy of your home.

And you dont have to wait for my eBook to be mailed to you. You can

download it onto your computer right now. Its safe, fast and easy.

Testimonial 5
"Great jaw and relaxations exercises"

48 Hours after I started the TMJ Help exercises to realign my jaw, the

debilitating headaches, neck aches, pain across my shoulders and pain

while eating were gone. I even could sleep better because I was no longer

in pain. I was amazed that the alignment of my jaw could cause all of

these problems. Even prescription pain killers couldnt relieve the

headaches that I used to get before I started practicing these exercises.

I am really glad I didnt have to go through surgery. This natural

treatment proved to me that my pain could be eliminated just by

repositioning my jaw. I have been free of pain for three and a half years

and I thank Katherine Page for giving me my life back.

Malvern Sheffard
Sitka, AK United States

The Truth Revealed
I know it is a little hard to believe, but the truth is that the exercises

in my eBook will cure the underlying root cause of your TMJ.

My discovery proves there is a safe, rapid and effective all-natural way

to cure TMJ. Using my program, countless people have corrected the

underlying cause of TMJ and have never again had it interfere with their

lives.

This Amazing All-Natural Cure
Will Work for You Too,
Guaranteed OR IT IS FREE!
My eBook explains all the problems that cause TMJ, the root causes and the

exercises to treat them. I also reveal a secret nutrient that can relieve

your pain instantly, nothing is held back. Everything is explained in a

simple, straight forward easy to understand fashion. I sell no products...

just my eBook.

Like all mysteries, once the secrets are revealed, things make perfect

sense. TMJ is not your fault or something you did wrong. That will become

clear to you once you understand all the pieces of the TMJ puzzle.

You will know everything you need to cure your TMJ and start down the road

to good health. Dont worry, the exercises I reveal are very easy to

understand and to put into practice, and once you read and try them, you

will agree that they are TRULY A DISCOVERY.

Testimonial 6
"This ebook works well and fast"

The first person I consulted with for my TMJ was an oral surgeon who

wanted to do surgery on my jaw. I was getting headaches,moncler donna, neck pain,

shoulder pain and numbness in my fingers. The headaches would feel like an

ice pick was stabbing me, and I would get ringing in my ears. I lived with

this pain for nineteen years, but I was not convinced that surgery was

going to correct these problems. The oral surgeon could not guarantee that

surgery would give me relief. So I did not proceed with the surgery and I

started searching for an alternative treatment. After starting the

exercises Katherine Page created, the pain I had been experiencing started

to subside. Within six days 90 of my problems were gone. There were not

as many headaches and the numbness in my fingers had completely

disappeared. I have been TMJ disorder free now for a little over a

year and I continue to be completely free of headaches and the other pain

that I was experiencing. After nineteen years, it is wonderful to wake up

in the morning without a headache and I am delighted that I did not have

to go through surgery. I feel like I have a new life.

Ron Fairey
Salt Lake City,Moncler piumini, UT United States

What Can I Tell You About
These Exercises?
I can tell you this: it is not an over the counter drug, something from

herbalist, not some new age tre
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    Recent studies show the trends of inshoring have emerged in some parts of the developing nations for the many reasons. To save money cost effectively is the main motive of every outsourcer. Cost reducing factor is the main reason for large and small companies. In the past few years offshore outsourcing was emerged as boom in order to save cost of production in the field of IT work and software development.

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    Flexible working schedules of Five days working & 24/7 web development services from the offshore companies are better option instead of high rate per hour payments to inland professionals under inshoring of IT projects. Under customize web development services, concept of hiring dedicated developer & team of developers for the specific IT projects, from offshore service providers is much cheaper. To overcome the time zone difference web developing companies use to make the flexible working schedules matching with outsourcing companys working hours.

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    It is scary to think your parent might have Alzheimer's disease or dementia. Both will reduce their quality of life. These conditions burden caregivers. Alzheimer's disease is not treatable. Dementia may be treated. How can you tell if your parent is suffering from Alzheimer's disease or dementia? What can you do?

    You would get a diagnosis of dementia in your senior years. It is spotted in your 60's or 70's. You would need to have these traits for at least six months:

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    If you make up your time to take on part time work while still at college, then you should make sure that this is going to be worth your time. You are almost certain to have plenty of demands already, so entry college jobs need to have something to offer. Entry college jobs dont necessary have to pay you a lot of money to be meaningful; they may be able to benefit your present or future life in other ways.
    While at college, there are many ways to make a bit of money. If you are lucky you may have alternate sources of money. It is also doable to create a small business that will help you earn some small amount; you could sell things online for example. Entry college jobs might seem a bit of an unnecessary burden if you have are financially stable. The fact is that it is not just finance that makes entry college jobs worth considering.
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    They provide you with work experience. Your college degree will prove that you can learn,34047, but it wont prove that you can work.
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    Business phone systems for the sales office are most profitably implemented if they are networked in a cost-effective manner to expedite information needed to create opportunities that sell. Telephone systems built for mobility with wireless access, enabled with VoIP, CRM and multimedia Internet functions administers instant sales support, savings and profitable customer relationships.

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    Leather laptop computer bags are the perfect accessory for that on the go business person, college student, frequent traveler, or anyone who needs their laptop and accessories organized. With inside and outside zippered pockets, front organizers, several styles of bags, and three options for personalization means you can create a bag uniquely suited to your preferences, lifestyle, and needs.

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    Having some knowledge about the history of Hawaii and the best tourist spots to visit will definitely make your much-awaited Lahaina trip more exciting. Booking accommodation from any of the different Lahaina hotels that are situated near these attraction spots will certainly reduce your vacation expenses. Asking for information from relatives or friends who have already visited the place or by just simply doing some research on the Internet will give you an idea about the citys best spots. Baldwin Home Museum,www.uggbootssale-ie.net, which is considered as the oldest building in the island and was built on Front Street, is a highly suggested spot to visit. Another place to think about visiting,manteaux moncler, which is home to numerous gift shops where you can buy wonderful souvenirs for your loved ones,UGG shop, is the Bailey House. These are just some of the different attraction spots that the island offers so make sure your chosen hotel provider gives easy access to them.

    Lahaina Hotel: Weekend Deal

    Have you ever thought of finding a place with refreshing activities while being exposed to awesome beaches where you can relax your tired body and mind after a stressful week?Lahaina is the perfect place for your weekend escape to have your body recharged at a very minimal rate. Getting lodging deals from Lahaina hotels that offer special rates for weekend travelers will definitely minimize your expenses. One hotel you might want to consider is Puuno Beach Estates, which provides low priced rooms with high quality service for the weekend. With this hotel, you are guaranteed to have a relaxing vacation as you are given unlimited use of their special amenities like spa rooms, saunas, and fitness equipments. Rooms are equipped with refrigerator and microwave to keep your meals fresh and hot, aside from their fully functioning air conditioning system. This vacation will surely be an unforgettable one with all these benefits, while making sure you still have an adequate amount of money for the coming weeks expenses.

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    There are several effective ways to travel the worlds most beautiful places even if you have limited budget. One way is to search for an airline company that offers the cheapest flight deal to your chosen vacation spot through the internet or by visiting travel agencies. Another effective way to cut down your expenses is by availing rooms from hotels that have discounted rates. Because of its extreme popularity, tourists from different parts of the world visit the famous Lahaina Island in Hawaii. Expect the place to be crowded with thousands of tourists from around the globe during summer. But when rainy and winter seasons come, tourists decrease in number which is why most Lahaina hotels offer a very big discount to attract more tourists. In case you are one of the many people wanting to experience the place even with minimal cash on hand, this time is the perfect time to travel the island. Just make sure your chosen hotel provider offers special lodging promos and discounted room rates for off season vacationers.

    There is incontrovertible evidence that exposure to asbestos cause asbestosis, mesothelioma, and other life threatening diseases. There is also irrefutable evidence that since the early part of the 20th century the asbestos industry has been fully aware that there is a definite link between asbestos and cancer.

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    From the 1930s through the 1940s Sumner Simpson was president of Raybestos-Manhattan, Inc.

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    Simpson also pressured trade industry publications to follow the dictates of the asbestos industry's decisions. The publisher of Asbestos Magazine wrote Simpson a letter in 1939 which, when referring to asbestosis,70516, said, "Always you have requested that for certain obvious reasons we publish nothing,70135, and naturally, your wishes have been respected."

    In 1941 Vandiver Brown, who had become a corporate officer of Johns-Manville Corporation,70350, wrote, "I felt there was considerable likelihood that a number of subscribers would dislike an article on this subject in the trade magazine of the asbestos industry. I had in mind the ostrich-like attitude which has been evidenced from time to time by members of the industry."

    The corporate cover up continued for decades.

    How Did the Asbestos Industry Feel About Its Workers?

    How the industry felt about its workers was probably best summed up in a document in 1966 written by the Director of Purchases for Bendix Corporation,71160,www.uggbootssaleukcheap.net, E.A. Martin. In it he said:

    "My answer to the problem is: if you have enjoyed a good life while working with asbestos products why not die from it. There's got to be some cause."
    There was a great decrease in mortgage, remortgage and secured loans borrowowing during the credit crisis as many people were feeling very nervous about their financial future.

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    Many thought that the recent official announcement that the recession is officially over would herald an immediate return to normality as regards the economy, and all matters financial.

    It was stupid to consider that there would be an over night economc recovery after three years of deep recession.

    There have been constant reports that there was a ray of hope for a fast economic recovery, but these hopes were always dashed.

    However, now in the middle of April, and with the sun literally shining in the sky,71104,UGG Pas Cher France, it at last does appear that the sun has started to shine on the finance sectors of mortgages, remortgages and secured loans.

    Remortgage products have increased in the last few months having gone down by about 1,000 plans in the credit crunch.

    Homeowners wanting to move mortgage providers have more remortgage options.

    Similarly those seeking to remortgage to raise funds for almost any purpose, including debt consolidation will be able to obtain a good low rate and thus save money by paying off all their other debts.

    Secured loans are also witnessing a recovery with Link loans making a new entry into the secured loans market. Link had to temporarily close its doors due to funding problems last year.

    Link Loans are funded now by RBS, and they have plans at 70 LTV and 75 LTV for the self employed and employed respectively. Self employed applicants can apply for a secured loan after only trading for six months but the LTV is 60.

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    Chinese Literature Research Center editor of the Through these presentations, we can learn from one side of Jiang Qing, Mao's attitude on the evolution of a major turning point in 1958.
    Jianzheng early: After demanding
    Zhonggongjianzheng, Jiang Qingcheng the First Lady However, not content just to take care of Jiang Qing, Mao's life, she had to a greater extent involved in politics .1950 on January 1, Jiang Qing, Mao's call is being visited the Soviet Union,shanghai escort, asked the New .4 days, Jiang Qing, Mao's call and turned to Liu: name, write a letter of introduction by the Central Organization Department of the New Party's organization for so words must and Liao Lu on a good comrade, and get his consent. to the district only after the note to collect materials, do not, and shall not give care to the local party to more trouble. a period of significant change in attitudes from 1958 to 1963 from the , September 24,beijing massage, 1958, Mao Zedong in Articles have Dingyi At least read it over twice file, for cadres at all levels of learning materials. It is sure to re-education on the lower cadres of all time. , told her, first edition, the fourth edition to be studied, Jiang Qing's attitude has been greatly changed. less criticism, more concerned with guidance, leading to this change for many reasons,see photos and text, but the most direct are two: First, Jiang Qing job changes. Jiang Qing, Mao's secretary in 1956 to become , in addition to taking care of Mao's life, but also responsible for the collection and study of international data. Second,beijing escort, the CPC leadership in a number of major issues, especially for the last century, the late fifties and early sixties the estimated results and problems on the disagreement, the objective also provides an opportunity to Jiang Qing.
    Cultural Revolution: the special trust
    from 1964 to 1969 the Chinese Communists held nine, Jiang Qing, Mao Zedong on the trust and support of five years. Jiang from the behind the scenes to the fore at this time, rapid rise in Chinese politics.
    Lin May 9, 1964 work on cultural and artistic forces issued a statement Mao Zedong published June 4 in the conversation and on June 5, Comrade Lin Biao went to talk about, that I fully share his views, his views are very good and very timely. Mao became the objective behind the scenes to the front by the Jiang encouraged an important opportunity. just over ten days, Jiang Qing, June 23 at the opera will be performed to observe the modern opera, the forum issued a In his speech, Jiang Qing was compiled on the draft instructions:
    after the outbreak of the Cultural Revolution, Jiang Qing, Mao's reliance on further this point, from his July 8, 1966 letter addressed to Jiang Qing evident. very short, often a few words, at most two or three hundred words. except Jiang's letter caused an exception, there are nearly two thousand words, when Lin Biao was considered Mao's people. nine on the Political Bureau of the CPC, after entering, Mao Jiang Qing also will change the attitude of alienation and suppression.
    Jiang Qing,shanghai massage, Mao's alienation, first in his batch of material to Jiang Qing, or to help her modify the presentation, speech less and less. another performance of his increasingly reluctant to meet with Jiang Qing, Mao Zedong in 1974, only two refused to meet with Jiang .1974 on February 9, Jiang Qing, Mao Zedong's instructions on the letter: body temperature twice, is a serious illness! all the people gone, now restored, you should find something Politburo. Picture>>> beautiful sexy picture column>>> Click View
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    Fort Lauderdale Vacation: Car Rental

    Although Fort Lauderdale is considered as the "Venice of America" due to its elaborate and extensive canal systems,84885, you still need to get in and around on dry land in order to see all the sights and sounds of this vibrant city. You will appreciate having your own car to see virtually all the attraction spots the place has to offer to its million of visitors with almost 90 distinct neighborhoods in the city. There are numerous car rentals operating in the place that is why you can fully enjoy your Fort Lauderdale vacation by land. Whether you are going alone or traveling as a couple or family, you have many rental options that will perfectly suit your driving needs and budget. During the rental period, most of these car rental services often provide replacement car in the event of repairs to be done on the unit or accidents. Presenting a valid drivers license is needed when you intend to drive the rental car.

    A Fun Getaway for Couples at Fort Lauderdale

    Florida offers a myriad of alluring beaches for vacationing lovers who are fresh from their weeding ceremony, or for long time couples wanting to solidify their relationship. Whether you prefer the Panhandle or the east coast beaches offered in your Fort Lauderdale vacation,Nike Dunk,85799, there are more than enough beaches and scenery for all. Many couples enjoy relaxing on the white, sandy beaches while listening to the calls of the seagulls flying overhead or the soothing melody of the waves crashing gently to shore. A few of the most exclusive beaches are situated in Navarre Beach or other isolated areas like the Panhandle beach. The Panhandle extends the hospitality of friendly locals and the simple pleasures of small and family owned restaurants that provide endless supply of sea foods and drinks. In addition to great food, couples are also given the opportunity to participate in various beach activities such as snorkeling and deep sea diving.

    Great Airport Service on Your Fort Lauderdale Escapade

    The land of beautiful beaches, Fort Lauderdale is easily and conveniently accessible with the active flights from various nearby airports. Among these airports that are near to Fort Lauderdale are Fort Lauderdale International Airport, West Palm Beach International Airport, and Miami International Airport. You need to take into consideration one important thing when you book a flight for your Fort Lauderdale vacation and it is the fact that all of national and international flights to and from Fort Lauderdale are accessible through these airports. In addition,85439, there are different hotels and resorts that collaborate with the airports to create all-inclusive deals in order to let vacationers have more convenience and great savings. The airports serve over 150 destinations across the globe and each airport has a selection of bars, restaurants,复件 83970,www.nikedunkprix.com, newsstands, and other services and stores. Bank ATMs, public convenience stores,new balance 410, dollar shops, and small shops are also available at these airports as well as waiting lounges and airline club lounges for the vacationers who often travel via air flights.

    Fort Lauderdale vacation for Fishing Fanatics

    Aside from its different relaxing beach activities, Fort Lauderdale is also known for giving enjoyable fishing activities with its many lakes and rivers. Due to the fact that Fort Lauderdale gained great popularity because of fishing,复件 83796, it is often visited by plenty of vacationers who love fishing. It is slowly becoming one of the top cities in the USA for fishing activities. Because of this,Supra Chaussure, lots of airline companies created affordable flight and lodging packages for millions of vacationers who wish to get an unforgettable Fort Lauderdale vacation while providing them the chance to experience catching saltwater and freshwater fishes found in the lakes and rivers. In addition to these packages,nike Air force, they are provided with an option to rent boats which are always ready to take them to any part of the city they wish to do fishing activities. They will then be able to fully benefit from their escapade while at the same time seeing the deepest parts of the astounding forest of Fort Lauderdale.

    Vancouver Vacations: Places to Visit in Vancouver

    The city of Vancouver is a wonderful amalgamation of parks, rivers,60911, mountains and beaches. There are many sights to see and places to visit in Vancouver. If you want to actually experience the spirit of Vancouver, then you should think about buying a ticket from the Vancouver Trolley Company. They have a Hop-on, Hop-off tour that sells adult tickets for 35 and child ticket for 20. You have the freedom of getting on the trolley any time from morning to late afternoon. In the high season or summer season,Boots UGG Pas Cher,60129, trolleys start tours after every twenty minutes,60510, whereas in winters they commence every forty minutes or so. The tour is pretty comprehensive because it covers all major sights like Stanley Park,ugg boots ireland, Gas Town, China Town, Grouse Mountain, Granville Island and Downtown. The economical part about this tour is that you do not have to pay every time you get off and then on again; you only pay once. In short, it means you can experience an informative tour of Vancouver at your own set speed.

    Vancouver Vacations: Five Star Vacations

    If you are looking for perfect accommodations and an absolutely amazing vacation in Vancouver, Canada, then you should definitely stay at any of the wide variety of five star hotels in the city. These hotels are well equipped with world class enmities and facilities to take care of all your needs and requirements in the best possible manner. For the money that it charges, you will be treated like a king with every need of yours met with matchless quality if you choose to stay at the Shangri-La Hotel in Vancouver. You can also choose to stay at the Pan Pacific Hotel in Vancouver as that too with give you quality services for the money and guarantee you a pleasurable stay at the hotel. In order for you to have a splendid vacation and a comfortable stay,www.uggbootsshop-ch.com, you can also choose the Sutton Place Hotel in Vancouver which has five stars to its name and will ensure you a wonderful time.

    Vancouver Vacations: Adventure Vacations

    Vancouver offers exhilarating adventures and fun trips. People opt to go to Vancouver for the sake of having a good time. A famous activity in Vancouver is to travel in a speed boat. The boat which holds twelve people starts its journey from Coal Harbor Floating office. It drives you to isolated coves and takes you under historic bridges. The second most entertaining adventure is to buy tickets for the Vancouver Wilderness Day Trip. You are picked up from your hotel or any place that youre residing at and are taken for a day of sheer pleasure that includes mesmerizing beauty, scrumptious meals and thrilling adventures. One can buy a different tour for anything and everything like whale watching, kayaking, cove adventures and other similar activities. Grouse Mountain is also a prominent feature on the agenda when visiting Vancouver. Commonly known as the peak of Vancouver, this mountain has an amazing view and an adventurous ski ride all the way to the peak. There is no likelihood that you will ever find yourself bored to tears in Vancouver.

    Vancouver Vacations: Most Romantic Places to Visit

    If you are looking for an idyllic get away,60757, just for the two of you, then you should definitely head for Vancouver. Vancouver has loads of breathtaking romantic spots one can visit. The Sooke Harbor House is one of the most romantic places on Vancouver Island. Its a compact bed and breakfast inn with a mind blowing Wine collection, sexy jetted soaker tubs and cozy fireplaces. The second hot favorite place with newly weds is the Sandy Cove Beach West. Also on the list is Queen Elizabeth Park which is not exactly a remote location,ugg boots sale, but it has its out-of-the-way corners and hideouts. You can always come down here for a long walk where you talk it out,moncler doudoune,59867, heart to heart. The Gulf Islands that can be reached from both Victoria and Vancouver are well located and well equipped for romantic holidays. These are a cluster of tiny islands that are known for their hospitality and excellent secluded settings.

    Project management software is designed to assist business groups that is cost efficiently to complete a project at the exact time. This software features tracking, scheduling, calendar and reporting functions, which are always easy to get to the whole business group despite geographic dispersal of group members. Protecting a project on a track all through its life stage can assist to save money through eliminating the option for missed deadline.

    Scheduling a sequence of tasks or events is the most typical purposes. As well as difficulty of scheduling could vary significantly because it will depend on how you will use the tool. Several common challenges comprise:

    Events that will depend on different dependencies or ways
    Making a schedule to people who will work on,5972, and required resources, are a variety of tasks normally called resource scheduling
    Dealing with doubts in the approximations of the end of every task.

    Project management software could be predictable to provide information to a variety of stakeholders or people, and could be used to justify and measure the echelon of effort needed to complete every project. Classic requirements might comprise:

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    Nowadays, the function of sunglasses is not limited in protect our eyes. They are also necessary fashionable accessories. The latter function is even more popularly used. They are usually prescription sunglasses and much expensive than ordinary ones.

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    There are numerous important reasons of availing a Tech Support Service. One of its most considerable advantages is it helps you in saving assets as well as cost of the company. It also cuts off the extra tension which a company normally faces while handling tech support requirement.

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    While deciding to sell your house, there are certain aspects to consider for a good sale. Apart from maintaining the cleanliness quotient and ensuring all the electrical and plumbing phases are in working condition, the value of the house has to be estimated before you quote a price for it. The reasons why you want to sell your house, is the foremost consideration that is taken into account when determining the house value.

    The elements that need scrutiny before the valuation of the house can be made are:

    The location of your house, whether it is far from the city area or in the prime locations,moncler doudoune, would affect the assessment of the house.

    The age of the house and its current condition.

    The average per-square rate of the area in which your house is located.

    The facilities provided with the dwelling play a vital role in valuation. Whether the house is fully, partially or not at all furnished, whether it has a swimming pool,Boots UGG Pas Cher, clubhouse or garden or no such facilities are available.

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    Gold has had a great appreciation in value in the past decade. If you have gold jewelry on hand or even broken gold-plated watches or jewelry, they can be sent to a gold refiner for evaluation and refining. Gold-plated products are not worth as much but still offer the ability to make money from a otherwise worthless junk product.

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    In order to make the gold ring is possible to wear everyday with constant wear and tear, it must be mixed with other materials or metal that is harder than gold. That means 14K gold ring is harder than 18K gold ring,www.moncler-paschere.net, because the percentage of harder material (i.e. other materials) that 14K gold ring contain is bigger than 18K gold ring. Now what is the difference between 14K and 18Kgold? The difference is the material that used to mix with gold. This material will determine the final color of gold ring. But if we talk about gold contain, whether 14K yellow gold ring or 14K white gold ring or 14K rose gold rings will contain same amount of gold, which is 58,5 of gold.

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    Gold has been the most celebrated metal since centuries. Wars have been raged for this metal. This yellow metal, as it is popularly known,UGG Pas Cher France, also shows the wealth factor in any country. Several other things are measured in terms of Gold standard. Even a slight drop or rise in the prices of yellow metal is met with widespread acknowledgement and hype. That is the exclusivity which Gold celebrates. Gold jewelry has been the most important item in a womans must-have list. Women, the world over,UGG, have prized gold since centuries. Gold jewelry suits every occasion. Gold jewelry can never become obsolete, thanks to its mammoth popularity and significance. Many religions depict gold as the metal of the Gods. In the Hindu Mythology, gold has been shown to adorn hundreds of Gods and Goddesses. This precious yellow metal is a hit everywhere. In any part of the world gold is so priced that so many investments are made with gold metal.

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    This idea of selling devices is quite popular in Europe and USA. The intensive competition among the carriers (service providers) has made them to collaborate with the handset makers to exploit the initial days of the launch of a new handset.

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    In UK, carriers like Vodafone,ugg boots sale, AT&T,25185, Verizon, O2, Three3 and others have tie up with different mobile phone makers to provide users their services with the handset. Here the consumers have an advantage that they had to make the payment of the mobile phone handsets on monthly installments which lessen the burden. The other advantage which a consumer have with contract phones are the gifts and benefits that come along the Contract Mobile Phones.

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    Tired of all those worthless diets you tried in order to loose weight that caused you only to be miserable instead of helping you ? Well just because you take in nothing but a couple of toasted bread slices with low - cal jam do not mean that you necessarily loose weight. What is important is to eat well so that your body's metabolism is supported and you do not suffer gastritis or worst, anorexia, but feed on diets that work.

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    The differences between two generations are immediately apparent. There actually is a *gap* between the two of them on the seat, but it's worth noting that in the end, they are still passengers of the same train!
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    Last week, I wrote about how talk of a generation gap has been around for thousands of years. No matter what changes take place in a society, it seems that younger people and older people are destined to disagree on some issues. More often than not though, it is members of the older generation who disagree with the choices and priorities of the young.
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    For many of the 80, the desire to find work they enjoy is in direct opposition to their parents wishes. A recent China Daily article profiled a number of these young people, who thankfully, have all resolved their conflicts with their parents and seem to be enjoying successful careers. Yet for each of these successful young people, perhaps there are others who have not been so fortunate and whose decisions have alienated them from their families. Do you know any of them?

    How is your relationship with your own parents? Do you feel they support your decisions? If you wanted to follow your heart, could you convince your family it was the right thing to do?
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    4. Empire State Building: The Empire State Building, designed by William Frederick Lamb was once the tallest building in the US, standing at 1250 ft. This marvelous landmark was featured in the classic King Kong in 1933 which made it world famous. Visit the Empire State Building's observatory and get a magnificent 360 degrees view of New York.

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    As I get older I fear that I am becoming more and more conservative. My husband laughs that we are turning into our parents, which is something we vowed would never happen when we were younger.

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    My son and I have always been very close, but the process of buying this vehicle is placing a strain on our relationship. My husband has stepped in and has decided that he will help with the decision making concerning the vehicle. This did not ease my mind a great deal because I remember the car speaker systems that he had in his early vehicle purchases.

    I told them that I would stay out of process if they would promise me that he would not drive one of the vehicles that send a pulsing through the streets when they go by. We have all experienced sitting at a stop sign, or walking down the sidewalk and being able to feel the bass thumping in the car next to us. My son assured me that he was not interested in having a sub-woofer in the trunk.

    I was pleasantly surprised when my son pulled into our yard with a late model four door sedan. He said that he bought it from a private party and that the car had low mileage. He knew it was a reliable car so he decided to buy it and will now save money to buy custom car speaker systems. We will cross that bridge when we come to it and in the mean time he is driving a safe nice looking car.
    People theyre all around us,www.uggbootssale-ie.net! There are nearly seven billion of them on the planet and theyre all different. I think God purposely puts us in relationships (marriage,66372, work, church, etc.) with people who are vastly different than we are and then chuckles as we try to get along. But get along we must its part of our purpose. One of the greatest challenges of leadership is learning to be patient with people. The payoff is huge, but its certainly not easy.

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    Not everybody is at the same level of maturity. Not everyone is as well-equipped to relate to people as you are,UGG Pas Cher Australia, and youre probably not as skilled as you convince yourself at times. Some may struggle from a lack of leadership maturity, others from a lack of emotional maturity. Either way, it presents challenges to working as a team.

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    See the gifts in people. Nobody is useless. Some people render themselves virtually so by their own destructive choices and when this happens in an organization,UGG shop,65814, sometimes they have to go, but by virtue of creation,66317,manteaux moncler,66654, nobody is useless. Everyone has something to contribute.

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    See the potential in people. Realize that your patience with someone today may give them a better chance at greatness, thereby extending your influence even further. Everybody has potential some may not see it fulfilled but everybody has it.

    Make it a conscious decision. Patience with people doesnt happen on accident. Its purposeful and intentional. You know youre going to encounter someone a little difficult today. Determine that youll have a predisposition toward graciousness.

    Managing relationships is the tough side of leadership. Almost anybody can manage numbers and tasks. People make up every kind of institution and organization. Without people skills, were going nowhere, so make this your first and primary leadership discipline. Decide to be patient with people.

    The questions you ask are usually used by the interviewer to evaluate your fitness for the job. You should research enough to be able to ask questions that are not found in obvious places such as the organization's annual report. Find out about the job and the company when it's your turn to ask questions. Ask the questions you prepared in advance. Feel free to ask for specifics about who you would report to and the duties involved. Be prepared to ask at least three questions in areas concerning the job, the company, the industry, external influences.

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    By asking "Is relocation a requirement?" the interviewer may assume that you do not want to relocate at all. If you do not mind relocating, try asking "I understand that most companies like their executives to spend time at their various major locations. Could you tell me how often I might be asked to relocate over five or ten years?"

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    If the interviewer asks you what salary you expect, try answering by saying "That is a good question. What are you planning to pay your best candidate?"

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    Gnawing on your lip
    Tight or forced smiles
    Swinging your foot or leg
    Folding or crossing your arms
    Slouching
    Picking at invisible bits of lint

    Another purpose of an interview is to see how well you communicate. Remember that communication is a two-way street; you must both listen and talk. If you are talking too much, you will probably miss cues concerning what the interviewer feels is important.

    Make a connection
    The purpose of the interview is to see how well you might fit into the organization. Successful interviews are one that concludes as if you and the interviewer are long lost friends. Tips to make a connection include:

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    Show openness by leaning into a greeting with a firm handshake and smile. When appropriate, give examples through short, interesting, and humorous stories about yourself. Try to envision what functions you would perform that would benefit the organization and discuss those activities.

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    One component of the interviewer's job is to make a judgment concerning your ability to fit in the organization. One factor influencing that judgment is the attire you wear for the interview. Find out about the company's expectations for personal appearance--dress expectations, hair length, facial hair, etc.

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    Send a "Thanks for the Interview" note
    After an interview, send a thank-you note. After the final interview, time the thank-you note to arrive during the week you believe the hiring decision will be made. These notes serve as a reminder to the interviewer concerning your appropriateness for the position. You may mention a topic discussed during the interview.

    When the job contact was made through the Internet or e-mail, send an e-mail thank-you note immediately after the interview. Mail a second letter timed to arrive the week before the hiring decision will be made.

    Walking through Amsterdams Sights and Attractions

    Although the village of Amsterdam is best known for its cycling enthusiasm,moncler Femme, theres an even better alternative in checking out their city and that is through walking which allows one to get a slower pace and discover the hidden sights that abound. Anyway,UGG Boots, most of the attractions are near enough that walking is more of a leisurely pastime rather than a race to discover places. The map is one of the most important tools that youll need when embarking on a walking tour, plus a great navigational system and some discipline. If not, then the surest way to enjoy the experience is to book a guided tour. The Board has many walking tours going to the Joordan District or the Amsterdam City Centre, as well as De Pijp or its Jewish District. Each tour will take about 3 to 4 hours, and since theres no transportation mode involved, will come out cheaper than any tour found in the market.

    Amsterdam for Business Travelers

    The continuous growth of Amsterdam in terms of tourism has also catalyzed its growth in terms of business. Along with this is the appearance of many business travelers in the area,www.ugg-pas-chers.net, from those who go in for casual meetings to larger corporate gatherings. Hotels and other special accommodations in the area also have different meeting and function rooms to assist their business guests, along with a business center equipped with fax and internet connection for ease. Unique places in Amsterdam also provide a good setting for a casual drink or a sitdown with potential clients such as through a theater turned into a convention area, a radar boat saloon and many old buildings beside the river. Added to this is the many different restaurants which can cater to a large group of conventioners with different International cuisine to choose from for the weary and homesick business associates. So even on business, one can still find the in-betweens of the trip quite relaxing.

    Wine Courses and Workshops at the Amsteltuin Vineyard

    Amsterdam nowadays is congested with so many businessmen, tourists and locals going about their busy lives, so when you want an easy escape from the glaring city life, go to the nearby village of Amstelveen. De Amsteltuin or Amsteltuin Vineyard is one of the very few Dutch vineyards existing and is the only one very close to Amsterdam that has different wine-related activities such as workshops and wine courses. Group tours will have to be requested well in advance for the vineyard to prepare for a large number of guests. If you want a sample of their work, arrangements will have to be made prior as Amsteltuin is still in the experimentation stage with some of their wines and grapes. In the more warm-weathered months, one can enjoy a barbecue and buffet from the staff if wished. In the meantime, one can just sit back and relax on the different open patios and terraces with a wine in hand and the vineyard as the picturesque backdrop. The Vineyard is also used as a care centre for the disabled.

    Taking a One-Day tour at Zaanse Schans

    Zaanse Schans is a town with an old world charm featuring many important sights in Dutch history and is quite an easy town to take a day trip in, being only 20 minutes away from Amsterdam proper. Here you find many charming trivialities that are telltale signs of the 17th century village that it was such as a cheese factory,ugg boots ireland, a clog workshop and several working windmills,ugg boots on sale, two of which allow visitors in, to provide a great picturesque view of their skyline. The cheese factory gives out several samples of their cheese for tourists to taste. One can either bike going to Zaanse Schans or take the train to Koog Zaandjik and then walking about 10 minutes going to the museum village. Zaanse Schans is best conquered on a one-day escapade but if one insists in staying there, the only available accommodation is at the Hotel Sans Pareil. After walking through the town, drop by the Museum Zaans to get some knowledge about how their local customs came to be.

    Business blog is an incredible online marketing tool that saves you thousands of dollars but provides great business opportunities in just one click. Blogs are user-friendly,New Balance Pas Cher, customized and flexible medium for disseminating useful information for effective positioning of your products in the market.

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The cash value grows based on a pre-set schedule, and grows to a sizeable amount upon maturity of the policy (typically at age 100).Most permanent life insurance policies additionally have a non-guaranteed cash value element, typically made up of dividends or earnings on the cash value, which can enhance the value of the life insurance policy over time.There are many permanent life policies in the market today with varying features and varying degrees of control over the cash value component of premiums.Permanent life vs term lifeIn sharp contrast to all the cash-value possibilities that permanent life can offer, term life insurance policies only offer you the death benefit,Boots UGG Pas Cher, and only cover you for a particular number of years, called the term. Because of the absence of cash values and the temporary nature of this policy, term life premiums are more affordable.Permanent life insurance can be substantially more expensive than term life insurance, but the death benefit is guaranteed as long as premiums are paid. On the other hand term life policies can buy you the same amount of death benefit as a permanent life insurance policy, at a fraction of the premium cost.The pros and cons of permanent life insuranceThe drawbacks of permanent life insurance are:With most permanent life insurance policies, you dont have a say in the investment portfolio to which your cash value component is linked. Because of its investment component, the best benefits on a permanent life policy are gained in the long term. So this is not a great life insurance policy for someone who wants a stopgap life insurance policy.If you fall short of funds the cash value portion of permanent life policy can be borrowed against. This attracts interest, so it is advisable not to borrow against a permanent life policy unless its a last-resort effort to access money during a tough financial situation.The investments of most permanent life insurance policies are by nature very conservative (variable permanent life policies are the exception) with a strong possibility that if you were to invest the same amount of money elsewhere,ugg boots ireland, you would earn much more on your investments. In fact there is a school of thought that advocates that permanent life insurance may not be worth the money at all when compared to the benefits of buying term and investing the difference in premiums (between term and permanent).Lets move on to the advantages of permanent life.If you have difficulty exercising discipline in money matters,ugg boots sale, permanent life is a great option because it offers you forced savings. If not for the policy, you probably would have difficulty investing money so consistently into an investment avenue.Permanent life is a life-long insurance policy and the premiums are consistently level. Though it can be quite a pinch in the first few decades of your policy, as the years pass, it can get more affordable.When you outlive a term life policy, you will need to buy more insurance, predictably at higher premiums. This problem does not arise in permanent life because the policy is lifelong, and premiums are consistently equal.Is permanent life insurance right for you?It all boils down to the life insurance needs at your current stage in life. If you are very young and have several financial obligations such as small kids, their college education to think of, mortgages, loans, etc. then permanent life policies may not be right for you just yet because of their high premium costs. Term life would be a lot better. On the other hand, if you are older,moncler doudoune, and are mostly done with your financial obligations you will need a life insurance policy to cover you for the rest of your life, and thats where permanent life seems the more feasible choice.How long do you plan to keep your life insurance policy? If you want to be insured for several decades, you have to think of permanent life and not term, because even though term premiums are low, they will increase each time your policy expires, and you take out a fresh policy. However, one must also consider the fact that permanent life insurance investments grow conservatively. Therefore, those who are looking at great returns on their investments are better off buying term and investing the difference (that they save on premiums) in tax-deferred investment vehicles like IRAs, Roth IRAs and even educational accounts like the 529s. The general opinion is that if one can make sound investments elsewhere with this savings in premiums, the returns would be much greater returns than a permanent life policy could provide. If you look at it from this angle, permanent life insurance doesnt really seem worth the money. The choice however, should totally depend on individual considerations.FinallyYou need to spend some thought on how much your coverage should be. With permanent life especially, you dont want to be over insured because defaulting on your premiums can cancel your policy. You dont want to be under insured either,www.uggbootsshop-ch.com, and put your family through tough times. So use an online life insurance needs calculator for an accurate estimate of how much life insurance you will need.Shop around before you buy your life insurance. You can do this online in a hassle-free manner by getting quotes from a reputed online life insurance agency. 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    Taking part in executive coaching programs is a great way to advance your career and to become a strong, successful leader. Many companies will support your decision to participate or to have employees participate, knowing the benefits of having a strong executive in their organization. Online classes are an affordable way to get you going for that leadership role.

    What does it take to be an exceptional leader? Training will definitely help in becoming a strong leader, because oftentimes the best way to learn is by example. Companies are looking for capable and efficient leaders to be able to achieve goals such as increased sales, managing and overlooking teams or departments, providing solutions, preventing mistakes from happening over and over again, and also guiding their employees to work more efficiently to reach their companys goals. These are just some responsibilities which is a heavy load for someone to carry. That is understandable, but with enrolling in a leadership training class, you will develop the qualities of a leader that organizations will want.

    In order for a business to run smoothly and have success, employees need to make sure they can do their work in a timely manner and be proficient. Supervisors need to make sure employees are able to do their work with no problems. Leaders need to make sure that the employees and the supervisors are well trained and knowledgeable in their positions to make the business strong. Also, exercising guidance to employees will help as well. All of these tasks can be learned and thereby facilitated by attending an executive coaching program.

    There can be some problems that a business leader may face and will need to turn it around quickly. First of all, poor morale can become a problem if you are not guiding your employees in the right direction. If you are fixing their mistakes for them, employees may believe that you dont have faith in them to get the job done. Teach employees the right way. Lack of training for employees can make a business run poorly. Advance their knowledge and skills. If you are a new business leader, you are already stressed wanting to perform well for the company. Be optimistic that your employees are doing their work correctly. Try not to double check their work constantly. You will have plenty of other duties to handle. You do not want to exhaust yourself if you are rechecking work and handling your own to do list all the time. There are not enough hours in the day to be doing that.

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    There have been plenty of people who grew interested in the forex market but this is an avenue of trade that needs much study before any participation takes place. Traders might need trading education and this can be provided by several companies. Nowadays, you can find the resources that you need when it comes to this.

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    Users can evaluate the results of several different trading programs in a highly interactive graphical environment. In this case, you will end up with a better understanding of market movements. In this case, your training will come from a market simulator. There are platforms that offer resources online where you can find trading guides, forex research with a forex outlook and forex news and provides a free demo account for 30 days. You will be able to participate in simulation trades after you create your demo account. Through this online system, traders can get their hands on real time streaming quotes, charts, and news. The forex market has definitely gained plenty from the availability of online forex education.


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    Safari with Quad Runner and Bedouin BBQ in Hurghada


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    The experience of specialty homeowners carrier National Lloyds Insurance Co. illustrates that the fable of the tortoise and the hare is as true today as when Aesop told it to the village children who gathered round to hear it ages ago.
    While other insurers raced ahead like the hare to offer the broadest form coverage possible to homeowners during the prolonged soft market, the Waco, Texas-based National Lloyds stuck to a game plan as solid as the tortoises shell: a strong focus on the particular type of risk it knows very welllow-valued dwellingscareful underwriting, narrower coverages, solid claims service and a stringent home inspection regime.
    When the race turned and the Texas market restricted due to mold and other factors, National Lloyds was one tortoise poised to benefit.
    The companys premium volume in Texaswhich accounts for 85 percent of its overall revenuesjumped 87 percent in 2002,monster beats, from 28 million to 52.6 million. National Lloyds solid approach to writing an underserved market has paid off well, according to Mary Russell, one of the companys agents and personal lines manager for Fort Worth-based Higginbotham &038; Associates.
    They wrote a ton of business in the last two years when this marketplace went crazy, she said, but they still wrote their basic product at the premium and didnt have complaints from customers.
    By focusing on what it does well, Russell said, National Lloyds has kept rates stable while providing catastrophic coverage to homeowners most other carriers passed on.
    Rate-a-round
    The company instituted its first rate increase in several years in January 2003, upping rates by an average of eight percent. However, as part of its efforts to enact regulatory reforms required by recent legislative actions, the Texas Department of Insurance ordered National Lloyds to reduce its rates by 19 percent. According to CEO Clifton Robinson, in public hearings before the department, the companys lawyers argued that it should be exempt from the law because of its role as an insurer of the underserved low-valued dwelling market. Department officials were not convinced.
    After several private meetings with Commissioner Jos Montemayor both before and after the hearing, the company agreed to cut its rates by eight percent, returning them to their pre-2003 level. The rate cut applies to all policies effective Sept. 7, 2003,gucci chaussures, and after, on all new or renewed policies.
    It was a compromise in the grand spirit of compromise, Robinson said. The move shouldnt harm the company too much, as Robinson noted its rate increases have always been very few and very small. He said the company reevaluates its rates every five to seven years.
    Rate stability is only one aspect of National Lloyds steady-as-she-goes mentality, which also has nurtured a remarkably consistent and solid approach to underwriting and managing growth.
    Our philosophy has never been to chase market share, said Robinson, who acquired the company in 1964 and is now in his mid-60s. We underwrite to make a profit in this business, serve the policyholders and the agents of this state. We grow during the hard markets and whenever Texas has bad catastrophes and go backwards after the market softens up.
    Another element of National Lloyds approach that differentiates the company from its competitors is that it insures a home for its actual cash value,goose coats, not replacement cost,canada goose Jakker, thus removing the moral hazard involved with carrying low-valued dwelling risks.
    There are no limits on how low we will go, Robinson said. We would like to insure every 1,000 risk in America. That takes the moral risk out of it,www.canadagooseprix.net, because the insured has more to lose. That has been the secret of our success.
    Robinson, whose sons Gordon and Charles are key executives at National Lloyds, is convinced hes found a formula thats worked and plans to stick with it.
    The business has changed, but we do not credit score, he said. We are not concerned about location, or a deteriorating neighborhood. Were not concerned about the overall condition of the risk including the roof being in average to poor condition
    We do a lot of our own inspections. We inspect every risk we insure and we re-inspect them frequently because of risk deterioration. They deteriorate and can do so very rapidly. Weve just figured out how to make money where everybody else hasnt been able to. Weve got a 50 minimum premium where most companies have a 1,000 minimum premium.
    Russell said National Lloyds has a client base grateful for its service. There arent all these other companies wanting to write this business, she pointed out. That consumer does not have a letter in the mail every week from a credit card company, does not have a solicitation from State Farm or Allstate every week. So that consumer gets their product, buys it, and they dont shop for their insurance every year. The retention on the book of business is very good. Nobodys targeting it.
    National Lloyds approach hasnt changed much in the last three decades, according to Brad Pence, general manager of Bryan, Texas-based Anco Insurance, which has produced 1.7 million in premium volume for the company in 2003.
    They still dont want to go much over 200,000 [in home value]. Thats always been their mainstay, Pence said. Of course with market inflation what used to be a 40,000 dwelling is now 70,000 and theyve had to move that way. But they want to see pride in ownership and that little flower pot on the front porch. They would write a house with holes in the walls if that was the persons home, and theres a place for that. Theyve been very successful. They dont have the broad coverages a lot of these others have but they have whats needed in case of a catastrophe.
    The company is licensed in 19 states and also owns Texas-based, Arizona-operated American Summit Insurance Co., which it acquired in January 2001 and is beginning to look like National Lloyds, according to Robinson. The two companies will combine for an estimated premium volume of 150 million in 2003.
    Not immune to missteps
    I think we know more about insuring low-valued dwellings than anybody in the country, Robinson said. But I will tell you that there have been times in the past 39 years that I have attempted to deviate into other lines of insuranceautomobile, boat, livestockall of which have been disastrous. We learned that we cant insure anything wheels on it, or that floats on water, or that eats grass. We have redefined more than one time our focus. I told the executives of this company that if I ever deviate again to throw a net around me and haul me off to the funny farm.
    In 2000, Robinson sold the company to West Des Moines, Iowa-based GuideOne Insurance. After a year, which he calls the most miserable of his life, Robinson promptly bought the company back from GuideOne.
    They made me an offer I couldnt refuse both ways, he said.
    Higginbothams Russell said she noticed the difference in National Lloyds management under GuideOne from day one. Immediately they were trying to expand and be everything to everybody, she said. This would give them a big launching pad. We can do it from A to Z for the customer was their attitude; they tried to change it. When you go and change a National Lloyds from a business you do handshake business with to a home office in another state, its just not the same. They didnt know who the president of Higginbotham was or who we were. We were just another number.




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    September 22, 2003Insurance Journal West Magazine

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    Budget Flights to Middle East

    The Middle East is popular for having the best and most exotic tourist destinations in the world. Some of these are Beirut or the City of Delights, Doha,Qatar, which is also known as the New Arts Capital, there's Marrakesh in Morocco, Egypt's Red Sea and many more!Airlines Air Arabia, Atlas Blue, Nas Air,26392, Menajet and Jazeera Airways offer cheap flights that will fit your budget. Air Arabia is known to be one of the largest low cost airlines in the Middle East region. Atlas Blue connects Marrakech and Agadir in Morocco to European destinations like France. Menajet on the other hand has quite a limited network, flying to Beirut and Lebanon, while Nas Air operates only in Saudi Arabia. Jazeera Airways on the other hand flies from its bases in Kuwait and Dubai to a couple of destinations in the Middle East and India. Pick the airline that serves your area and your area of destination and find the hottest rates they have to offer!

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    There are many ways to get money; all you have to do is look for it. You can get grants to help you get money like businesses grants, personal grants, school grants, art grants, and many more. Anyone can get these. All you have to do is get the application and fill out the forms. Free money grants help millions of people every year for the things that they need or want to do. When you want to get a free money grant or grants, you need to know what you want it for and how high of a grant you need. You can get more than one grant, and you don't have to pay the money back.

    Business grants are to start a business, whether it is a small business or a big business. You can start one at your home or rent a place or buy it. You can do it any way you want to start it. It is a good way to do what you wanted to do or dreamed of having. A business is not easy to run but if you have the skills to do it, you will be fine. These grants will help you get what you need like computers, desks, chairs, file cases, paper, pens, printing paper,cheap nike air force 1, ink, the building, and all the other things you might need for your business. If it is a small business like a beauty salon, small engine repair business, a nail salon,Nike Dunk High, or anything else, it can help you start it.

    Personal grants are for your bills, things you need, or a new home. These grants go through foundations, and you don't have to pay them back because it is money for you to use on what you need to. It can help you get out of debt or help you stay out of debt. These also help you pay the bills that are for the house like the water bill, electric bill, phone bill, and anything else that is to the house. If you need food in the house, clothes, or a car to get you places, it can help you with that. You can get this as many times as you need. All you have to do is fill out the form.

    You can get school grants anywhere, and they help you or your kids go to school. The money will help you get the things you need like books, your classes, food, computers like desk tops or laptops, your dorms if you want to stay on campus, and anything else that can or will be included. You can go online to find these grants, and there are a lot so do some research on them before you send for the application. You will not have to pay them back if you get a free money grant. If you get a loan, you will have to pay it back. Make sure you read the fine print and read them to see if that is what you need.
    If youre looking for a fast way of changing your hair style without cutting it, then hair extensions are for you! With extensions you can dramatically change your style in a matter of hours, adding length and volume to create the style that youve always wanted.

    There are loads of different techniques and methods available nowadays so you can pick and choose what suits you best. The two main factors to consider when it comes to choosing the right hair extensions are the type of hair to use (either synthetic or real hair) and the method used to attach the extension hair.

    The type of hair you go for usually determines how much you will pay for your hair extensions. Real human hair will cost more as it looks and feels more natural than the synthetic substitute. However, even if you choose the highest quality real hair, if the attachment method is wrong the results will look fake and disappointing. Therefore, it is essential to choose the right hair and attach it correctly.

    It is important to know all the facts about the two main hair types available before making a decision. When it comes to synthetic hair the main disadvantage is the poor quality. Synthetic hair can often look unnatural with your own hair as it is much heavier than natural hair.

    Real hair extensions are without doubt the more expensive choice but they also look the best. The hair not only looks natural but it behaves in the same way as your own hair so the extensions blend in perfectly. As long as the colour is matched correctly by your stylist, the extensions will be indistinguishable from your own thus giving your hair a naturally and fuller look.

    Within the category of human hair there are many different types that vary in quality. It is best to choose the highest quality hair that your budget can stretch to. Remy hair is great because all the cuticle layers are facing in the same direction from root to end. The benefit of this is that they dont tangle and blend in perfectly with your own hair.

    Many extension techniques involve using a glue or bond to attach the hair and whilst this is a durable method,Nike Dunk High, you need to be aware of the chemical or substance being used as some can be quite harmful to the hair.

    Clip in hair extensions are a great alternative to the more permanent methods. These can be easily clipped in and out whenever you want and there is no need for a trip to the salon as you can attach them yourself at home. Clip ins can be used whenever you want to try out a new style or for a special occasion, you just need to remember to take them out before going to sleep as they can cause your own hair to matt.

    Micro ring extensions work by using a small metal tube that is clamped over the real hair to attach the extra hair. These rings are lightweight and the extensions are kept in place securely. As the rings are lightweight they dont put any strain on your own hair and are removed easily.

    Whatever hair extension method you go for, you are sure to love the results! You can get the hair youve always wanted without having to wait years for your hair to grow! Why not change up your style with hair extensions at Inanch London!

    For a full list of hair extension services available at Inanch London click here.

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    Certainly the best in the satellite TV services is one and only DISH Network. For the best home entertainment, you can trust nothing else but DISH TV, one of the undisputed providers in the United States. It is highly popular among people and presently it guarantees every day price! Yes, youve heard that right, if you have DISH Network at home, then you get guarantee for everyday price and that too until 2013! Isnt this exciting? When other satellite TV providers keep on changing their prices for packages,nike air force one, DISH Network is the only one in the run to offer prices, which is very economic and affordable by any average household in USA. So, dont think too much and subscribe to DISH Network immediately.

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    At some point of our lives we have been to the hospital, either as a patient or as a visitor when your near and dear ones were ill. If you have been to a hospital you must be well aware of the void you feel when all the visitors leave at the evening and you are left alone in the room to suffer the ailments and take the routine doses of food and medicine. It must be very depressing for a patient to be all alone lying on the bed with no one to talk to or to entertain them. For this reason many hospitals and medical institutes have installed satellite TV in the rooms of the patients. With DISH Network channels in their rooms the patients can receive the daily dose of happiness and stay in a better mood.

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    For these reasons more and more medical institutes these days are opting for DISH Network packages so that they can provide satellite TV entertainment as an amenity. This can help them treat and heal patients in a better way.


    Insurance regulators from California, Florida, Illinois and New York, on the heels of the National Catastrophe Insurance Summit held in November,www.canadagoosejakke-dk.net, are peddling the framework for a national catastrophe insurance program that they say would protect U.S. taxpayers.
    Although the details of the program have not yet been ironed out, the insurance commissioners say the objectives are to: protect habitantsrenters and homeownersby ensuring the affordability and availability of insurance against the financial consequence of natural catastrophic events; spread catastrophic risk broadly among individual insureds, insurers, reinsurers, states and the federal government in a public-private partnership; and reward mitigation of hazards.
    In doing that, the commissioners propose eliminating the National Flood Insurance Program; developing state and regional catastrophe funds similar to Floridas Hurricane Catastrophe Fund; creating a federal backstop for insurers, providing tax deferments for insurers to help build a fund earmarked for catastrophes; and developing a national commission that would help to determine premiums based on actuarial data.
    The national catastrophe insurance program proposal separated terrorism-related disasters from the national catastrophes, as well as focused on the habitational market of homeowners and renters, not commercial properties. The commissioners said they did not want their proposal to detract from the Terrorism Risk Insurance Act (TRIA). A renewal of TRIA which expires on Dec. 31, 2005, was being discussed by the U.S. House and Senate the same days of the National Catastrophe Insurance Summit.
    The plan also is not designed to bailout insurers, but to help consumers in the event of a major natural catastrophe, the commissioners emphasized.
    Acknowledging the problem
    Theres a profound problem that exists throughout this nationwe are not prepared to deal with a catastrophic event, Garamendi said. A major catastrophe will come. Thats clearly not a partisan issue.
    Economists and risk modeling companies AIR Worldwide Corp., EQECAT Inc. and RMS (Risk Management Solutions) speaking at the summit said the losses from Katrinaestimated at 125 billionwould be dwarfed by costs to recover from major catastrophes such as a major earthquake in the Midwest on the New Madrid Fault, a category 3 hurricane that strikes the Northeast, or a nuclear attack at a port in Long Beach, Calif., that could create an estimated 2 trillion in exposures.
    Although the summit was planned before Hurricanes Katrina and Rita made landfall, you only need to look at the Gulf States to see the current [catastrophe insurance] system doesnt work, Garamendi added. We get a disaster, Air Force One swoops in, money, or deficit falls out the back. Thats not a good way to do it.
    When the federal government provides relief, it places a burden on all taxpayers, the commissioners said. Their alternative would help to collect premiums before a disasternot open the treasury afterward.
    A layered approach
    The plan proposes layered coverage, placing responsibility for funding natural disaster coverage on consumers first, then insurers, state and regional governments, and then the federal government.
    At the consumer/community level, strict building codes would be imposed and measures would be introduced to discourage consumers from residing in risky areas to help mitigate damage. The commissioners acknowledged the plan would need to take into account lower income and other residents who might not have other options for residing in less risky areas.
    Private insurers then would be required to make catastrophic coverage available for all natural disasters, including flood, but not man-made terrorism losses. The premiums would be based on actuarially sound project loss costs, including costs of reinsurance. And catastrophe reserves would accumulate on a tax-deferred basis to help create an emergency fund that would be available when a disaster strikes.
    At the state and regional level,canada goose, a fund similar to Floridas Hurricane Catastrophe Fund would provide coverage. This layer of coverage would begin after the first layer of catastrophic losses is reached, like reinsurance. A pool of smaller states could form a group fund if their individual size doesnt warrant funds of their own.
    Then, the federal government would be the last layer of protection. Coverage would begin after the state and regional layers of coverage have been reached. Federal funds would not come from the treasury, but instead would operate like a private reinsurance facility that would be managed by a national commission. The fund would be earmarked for catastrophe purposes only.
    The effort is not to develop a corporate shield, create a government bailout or a mechanism to give insurance companies bigger profits, said Illinois Insurance Director Kevin McRaith. Instead, the national plan hopes to spread the liability for disaster recovery, with premiums reflecting the risk level homeowners face. We want to allow consumers to purchase appropriate coverage at appropriate rates, he said.
    Bedeviled by the details
    There was widespread agreement among the summits 140 attendeesinsurance regulators from 16 states, insurance industry representatives, risk modeling firms, insurers and a handful of lawmakersthat a major catastrophe is inevitable and the nation needs a better system to help communities rebuild after a disaster.
    Theres been an excellent overview of the problem and were about to come out with a potential solution and action plan. Im finding very little disagreementsurprisingly so, said James Woods, a representative from the National Association of Surplus Lines Offices Ltd. (NAPSLO) and attorney with LeBouef, Lam, Greene &038; MacRae, as he headed into a working group during the summit.
    Yet it appeared that when summit attendees were separated into smaller groups, there was some debate about at what level the different governments would get involved,Gucci pas cher, and whether the fund should be pre or post funded, among other concerns.
    In the small groups it was difficult to come to a consensus, Woods said after the working groups concluded. In the federal participation working group, there was consensus that there should be federal participation, but it was unclear how we would trigger that. The devil is in the details.
    Im depressed,canada goose sale, lamented Steve Geller with the Florida Senate Banking and Insurance Committee and immediate past president and chair of the catastrophe subcommittee for the National Conference of Insurance Legislators (NCOIL). I was hoping to reach more agreements than we did. This will be a tough sell.
    According to Geller, there was debate on whether the program should be focused on the issue of insurance and spreading the risk to make sure insurance companies dont go bankrupt or whether the program should be designed to address a societal issue when people who get hit by a disaster and do not have insurance need aid.
    Its apparent to me how wide the disagreements are, Geller said. The general consensus is that we need some federal backstop but when it comes down to the details, Im not sure well ever get there.
    New York Insurance Superintendent Mills was more hopeful. As a result of the summit, the industry has taken important steps that could eventually encourage Congress to develop a national catastrophe insurance program, he said. I believe we have accomplished a great deal in getting a dialogue going. No one believes Congress is waiting with baited breath, but I believe we will see some movement.
    I came in with lower expectations,beats by dre, so Im more inclined to see this with some solid direction, said Mike Kreidler, Washingtons Insurance Com-missioner, who attended the summit. This was a first step. I think there are things we can do at the state level and some things at the national level, but were going in the right direction.
    Peddling the proposal
    The proposal that emerged from the two-day summit was presented at the National Conference of Insurance Legislators in San Diego in November.
    Appointed insurance regulators Michael McRaith of Illinois and Howard Mills of New York said they also would report back to governors. And the plan was scheduled to be discussed at the recent National Association of Insurance Commissioners Winter Meeting held Dec. 3-6 in Chicago.
    The commissioners said they also would present the proposal to the lending industry to help build a coalition for the program. Eventually, the proposal will be sent to members of Congress.
    We will talk to governors and members of Congress to put this issue on their agenda and get the debate going, California Insurance Commissioner John Garamendi said.
    The National Catastrophe Insurance Summit was held Nov. 15-16 in Burlingame, Calif., just south of San Francisco.




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    December 5, 2005Insurance Journal West Magazine

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    Difficult economic times like these are always accompanied by an increase in employee fraud claims. While most employees are honest and trustworthy burdened by financial stress, otherwise honest employees may be tempted to steal from their employers the economic pressure allowing them to rationalize the criminal act and downplay the risk of being caught. At the same time,canada goose outlet, a tough economy is exactly when employers take a hard look at their operations to identify cost-cutting measures and often find that the numbers just dont add up.
    Embezzlement and forged checks, as well as fraudulent bank accounts, expense reports and vendor invoices, impact companies of all sizes but in the case of midsize and smaller companies, the criminal act can shut the doors forever.
    Despite this threat, small and mid-size companies confronting a challenging business environment are often pressed to pare expenses. Funds that previously were invested in security measures or in the various types of insurance policies that absorb employee-related fraud exposures are invested elsewhere or simply conserved.
    However,www.canada-goose-norge.org, it is at this time when companies should work even more closely with insurance brokers and carriers to transfer the risk of employee fraud rather than seeing insurance as an unnecessary expense. \Brokers and carriers can provide invaluable advice on how to reduce fraud threats, identify losses early and limit them once they occur. In this difficult economy, partnering with such experts can help keep the doors open.
    A Growing Menace
    Anyone picking up the newspaper these days is bound to come upon an article reporting on a local company that endured an unexpected financial loss because of a trusted employees criminal mischief. The following three examples come from the blog www.fraudtalk.com. Recently in a single day, 10 news articles on employee fraud were reported across the country. Here are the three with the highest cost:

    The arrest of a California woman for allegedly embezzling more than 785,000 from a construction company, where she had worked as an accountant;
    The sentencing of a Wisconsin man to six months in prison for embezzling more than 140,000 from a church, where he had served as its treasurer;
    The indictment of a woman in Alaska for embezzling nearly 500,000 from the Alaska Whaling Commission, where she was an executive director.

    All these crimes share something in common employees entrusted with duties that were used as an avenue to perpetrate crimes against their employers, in the belief they would never be caught, and employers that lacked process controls to inhibit the fraud.
    Preventing Fraud
    Fraud affects small-sized companies like these because theres often a high level of trust among management and staff, which elevates the confidence of the would-be perpetrators because they dont believe anyone would ever suspect them of fraud. Familiarity breeds a level of complacency that results in a higher susceptibility to fraud.
    The following bullet points describe some best practices that companies can use to minimize fraud exposures:

    Segregate job duties so different employees reconcile bank accounts,beats studio, write checks, and deposit money;
    Mandate finance staff to take paid vacations often an employee perpetrating a fraud will forego time away from the office to ensure the scheme is not uncovered in his or her absence;
    Regularly scrutinize the veracity of the vendor list, and seek bids every three years from existing and new vendors;
    Conduct background checks of potential hires, and extensive examinations of individuals recruited for sensitive finance positions;
    Conduct regularly scheduled audits of protocols and processes, and spot audits that are unannounced until they occur;
    Work with insurance professionals to beef up anti-fraud measures and transfer remaining criminal risks to an insurance company.

    These anti-fraud measures will also work well in combatting other factors raising the threat of employee criminal acts. For instance, cash-conscious companies and non-profit organizations often are less apt to conduct extensive background checks on job prospects in their recruitment and hiring processes. Only after a crime has been committed do they learn that the employee had applied for the position under an assumed identity or had a criminal history of forging checks.
    Midsize enterprises also tend to have weaker or limited process controls than larger companies, given the expense and impact on productivity. For example, they may not segregate employee duties because of a slim workforce. A single person may control an entire process, such as accounts payables and receivables, and only one persons signature may be required on company checks.
    Smaller companies also are more likely to have blurred job responsibilities and few if any, checks and balances. Reporting responsibilities are confined to perhaps one person up the chain of command, and no one else is delegated the task of reviewing and evaluating the authenticity of financial transactions.
    How It Happens
    Fortunately, there are proven processes to decrease the risk of fraud by reducing the opportunity to commit it. The first step is becoming aware of some of the common areas at risk for fraud.

    Forged checks. Instead of depositing a customers check in the companys bank account, the check is forged with the bookkeepers name and then deposited in his or her account.
    Fictitious vendor. Employees can set up a fake vendor that provides invoices to the company. The employee will then mail a check off to the fictitious company or deposit the funds in the fake vendors bank account.
    Forged invoices. Legitimate vendors can also be a vehicle to fraud with employees altering amount on the invoice so that it is higher than the true amount, with the employee pocketing the difference.
    Fabricate a fictitious or ghost employee. This is most often committed by a payroll clerk who sends a salary check every week to the employee, and then deposits the check in a bank account he or she controls.
    Fraudulent expense reports. An employee creates fictitious expenses that appear to be legitimate, but arent. The problem is the report is rubber-stamped by a superior, who gives it cursory examination at best. Company credit cards are a comparable example, used for personal and not business expenses.

    Other white-collar crimes are less sophisticated but equally expensive,sac gucci pas cher, ranging from skimming money out of cash registers to the theft of expensive equipment like laptop computers and high-end furnishings or clothing, which are then sold on the black market. Even routine pilfering of company supplies can add up over time to big dollars.
    Reducing a companys risk requires a mix of internal procedural changes, regular and ad hoc audits, clear policies forbidding fraudulent activities, and stringent penalties for employees caught in the act, including job termination and prosecution.
    Getting Help
    Working with insurance professionals can be of particular help to smaller enterprises, given their capital constraints and personnel resources. Specialized brokers and carriers are valuable partners in the fight against crime. They will ask the right questions and prescribe preventative measures to help companies reduce fraud.
    Best of all, they can help these organizations purchase the insurance policies that are right for their risk profile, with terms, conditions and financial limits that come into play. In these difficult economic times,canada goose jacket, prudence not cynicism is paramount. Thankfully, most employees are honest and trustworthy. It is for their welfare that employers must remain vigilant and secure.
    Schwartz is vice president, management liability/fidelity, at Liberty International Underwriters in New York. Email: melissa.schwartzlibertyiu.com. Website: www.liu-usa.com.
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    According to Jim Donelon, Chief Deputy Commissioner of the Louisiana Department of Insurance (LDI), the answer to the homeowners insurance crisis in Louisiana is to move to a file and use rating system, and to change the nature of the states Insurance Rating Commission.
    The man who refers to himself as Acting Commissioner J. Robert Wooleys Dick Cheneyand the lone Republican in a Democratic enclaveagrees with his boss that the days of the rating commissions power to set rates should be ended.
    Louisiana has only 12 companies south of Interstate 10 willing to write homeowners coverage, primarily due to that part of the states exposure to damage from hurricanes and high winds sweeping off the Gulf of Mexico. Through its high-risk pool, Louisiana is the states fourth-largest home insurer.
    As with Florida and the rest of the Gulf Coast, as well as with the Southeastern Atlantic Coast, companies are very scared to write wind damage protection in areas exposed to hurricanes, Donelon said. And its worse for this reason: We have more frontage on the Gulf than do Alabama and Mississippi. Our major metropolitan city, New Orleans, sits right on the Gulf.
    Of course, Florida has many more miles of frontage than does Louisiana, but the Sunshine state has a wind pool in place, where the state acts as a reinsurer on wind damages and leaves other homeowners coverages to private carriers. Florida has accumulated 5 billion in its wind pool, Donelon said, and the LDI is exploring a similar pool for Louisiana.
    According to Donelon the primary obstacle to lower homeowners premiums is a politicized Insurance Rating Commission. It is obviously a deterrent to more companies coming to write business in Louisiana for all of the regulated productsauto, workers comp, title insurancethat require rating commission approval, or rate-setting, Donelon said.
    During Republican Gov. Mike Fosters first year in office, 1996, the commission approved rate increases for State Farm Insurance Co. Foster fired the entire board immediately and appointed a new board in addition to a couple of holdovers. Ever since,gucci chaussures, Donelon said, rating commission members are very much looking over their shoulders at [the governor's] political interests.
    There are only two states with rating commissions in placeLouisiana and Oklahoma. And in spite of tight control over premium hikes, Louisiana has the eight most expensive auto insurance rates in the country.
    Thats evidence of the fact that regulation does not work, Donelon said. The political attempt to control rates is counterproductive. Companies then shy away from a market and the ones left are able to charge more for their product.
    What Donelon and Wooley would like to do is change Louisiana to a file-and-use state, which is currently the system used in 20 states. Under that scenario, an insurer would file for a rate increase or decrease and the insurance commissioner would have 30 days to approve or disapprove the change.
    An insurer unhappy about the decision could take its case to the rating commission, which would act as an appeals body. Donelon, who served in the Louisiana legislature for 20 years, proposed a file-and-use bill during his last term, only to have the bill vetoed by Foster. He has indicated he would do the same again, Donelon said.
    Foster has enacted some tinkering, allowing insurers who lower their rates to automatically increase them to their previous level, for example. Previously,canada goose Jakker, even during soft markets insurers did not want to reduce premiums for fear they would not be able to increase them again during hardened conditions.
    Foster has said he might support a flex-band proposal which would allow insurers to easily change rates up or down within a given percentageperhaps 15 percentbut no such bills have been pre-filed for the legislative session scheduled to begin March 31.
    A drowning company?
    Another issue in the news has been the fight of Bossier City-based Patterson Insurance Co. to stay in business. On March 17, the companys liquidation was ordered by a 19th Judicial Court District judge in the parish of East Baton Rouge, but the bitter feelings over the LDIs efforts to shut down the company have not waned. The liquidation order applies to Patterson Insurance Company, Patterson Insurance Group, Patterson Premium Finance, Patterson General Agency and Patterson Insurance Group of Arkansas.
    Patterson CEO Dale Anderson has accused the LDI of being on a political witch hunt and said his company was not given enough opportunity to pursue a rehabilitation plan as guaranteed under the law. The company also questioned the LDIs actions on the basis of Commissioner Jim Browns conviction on charges of lying to the FBI about an investigation into an allegedly arranged favorable liquidation settlement deal with David Disiere, owner of the now-defunct Cascade Insurance Co. Brown is finishing out a six-month sentence.
    The companys insolvency is the result of former ownership valuing assets for more than they were worth, said Anderson, who acquired Patterson five years ago. That was okayed by Jim Brown, whos now in the pen.
    Donelon called Pattersons charges against the LDI laughable.
    If theres anything we dont need to be doing in an election year, its putting people out of work and closing down insurers, he said. Its a political headache for sure, but its our job,monster beats, and our responsibility, and we will not step back from it. The present leadership of the company has accused us of doing this for political patronage reasons. That is ludicrous. Theres no patronage to be had. There are no secretarial jobs to be given to nieces and nephews and cousins.
    Patterson had been in conservationthat is,goose coats, directly supervised by the LDIfor the last several months, and is in a 4.8 million hole. The company devised a plan to borrow 2 million from an investor and 6 million from the Louisiana Insurance Guaranty Association (LIGA). The plan was not approved.
    It was creative, Donelon said, but LIGA did not buy it. That door closed. Were not looking to close Patterson Insurance Company. They took a hit from the 1997 hailstorm and the two hurricanes last year that did damage to Louisianathey were not catastrophic, but they took a toll on Patterson. But the real hit, by Pattersons admission, was their ventures into other statesTexas and Arkansaswhere they lost several million dollars.
    Anderson said while Patterson lost money in its operations in Arkansas, Mississippi and Oklahoma, that was not the cause of the companys insolvency. That makes a good story, he said, but its just not true. Over the last five years, we lost 1 million operationally [outside Louisiana]. Thats not good, but thats a long way from insolvency.
    Anderson noted it was Craig Gardner, LDIs deputy commissioner of financial solvency, who came to him with the plan to seek LIGAs financial backing. But when Pattersons hearing before LIGA was held, no one from the LDI spoke in support of the plan, according to Anderson, who felt betrayed.
    I knew I couldnt get the plan through LIGA without their support, Anderson said. Why would they suggest we do it and then not support it?
    Anderson complained that the LDI never made it clear what requirements he needed to meet in order to become solvent. They never said, Raise 5 million and well get off your ass. Because of that, Anderson claims he was never able to offer the security to investors he felt was necessary in order to secure the financing necessary to regain solvency.
    You cant get into a pissing contest with the regulators, Anderson said. Youve got to get along. I just could never get to that level where I felt I knew what they wanted from us.
    Ultimately, both the LDI and a Louisiana district court judge remained unconvinced.
    These are the rantings of a drowning company,www.canadagooseprix.net, Donelon said.
    A painful, ugly past
    Whether Patterson has a case or not, that questions about the LDIs honesty can credibly be broached is a matter of deep concern, Donelon admitted.
    Yes, Jim Brown is in jail. Its a fact, he said. Its a part of our painful and ugly past. The fact that that has happened cannot be erased or undone. That doesnt take our responsibility away from us. Were still charged by law with enforcing the insurance laws of our state. If we were in jail, somebody else would be doing it. That makes us subject to pot shots, but so be it. Thats what the job calls for on our part.
    Donelon said much has been done in the two and a half years since Wooley took office. He highlighted the LDIs success in improving the turnaround time on form approval, saying that every form submitted is returned within 30 days with a detailed explanation of what needs to be addressed. Each form is returned with the regulators name and phone number.
    The industry has been very complimentary, Donelon said. Its a major effort to make us more user-friendly to companies that we regulate in the hope that it will result in more companies coming to do business in Louisiana, not just to make insurance affordable, but also to make it available.
    Not going to run
    Donelons said he has no plans to run against his boss this fall. Wooley has already announced his intention to run.
    I get asked that all the time, he said. Its not a consideration. Through the next election Im here to stay. Donelon said industry representatives have approached him about running since he has a much higher profile because of his days as an industry-friendly Republican legislator.
    But Donelon says he rarely has disagreements with Wooley, a Democrat. From credit scoringwhere both favor a mend it, dont end it approach, to the proper role of the Rating Commission, Wooley and Donelon are nearly always on the same page.




    From This Issue






    March 24, 2003Insurance Journal West Magazine

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    As mentioned earlier, the 20s was one of the first decades of film. Today, you can get a feel for the age by watching one of the many films made during that era, or by watching movies made later that are set in the 20s. Lets begin with the movies of that time. Many of the films watched during that time were shorter, anywhere from 15-45 minutes, as audiences would go the movie theaters to watch multiple movies. There are several performers of the time who made a series of shorter films, such as Charlie Chaplin and W.C. Fields. Also, there are a number of features from early stars, such as Clara Bow and Tom Mix. Many of the films of the 20s were silent, but the decade also saw the beginning of talkies movies with sound in 1927 with The Jazz Singer. To catch all of these, keep an eye out for early movie nights on vintage movie channels such as AMC, available on satellite TV.

    Also, its worth keeping an eye out for later movies which deal with the 1920s. One classic is the 1970s remake of F. Scott Fitzgeralds classic novel The Great Gatsby starring Robert Redford. The story takes place in New York, and is a memorable tale of Jay Gatsby,UGG Boots, a newly wealthy man whose lifestyle and parties epitomize the spirit of the twenties and who ultimately comes to a bad end. More recently, the film version of the musical Chicago is worth watching as well. Its the story of a woman accused of murder and her trial, and features many musical numbers in the style of the 20s. With satellite TV you can keep an eye out for these as well.


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    Allover the world, this day experiences a magnificent bash everywhere, be it the city streets or parks or shopping malls or restaurants. Cities are decked up with lights, candles and flowers. It feels like love is in the air. So no options are left by the lovers to woo their beloved and they make sure to express their love by celebrating this day. But everyone is not lucky enough to spend this special day with their love and looking into those eyes for hours though every second they wish to do that. May be the profession or career do not give them the opportunity to be with their love every single moment. Rather the two love hearts have to live in two different halves of the globe. Here gifts play the pivotal role of bridging this spatial gap and bringing those hearts closer to each other. Online gifts on Valentine give them the opportunity to be with their lover not physically but emotionally through gifts. Same way those overseas gifts to India mean a lot to the beloved.

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    You've strong-willed to take the force and place in a swimming pool. With all that goes into the creation of a swimming pool, it is really vital to be selective and do some research prior to you opt your pool Builders Short Hills NJ. Timing is also essential too. Many builders have a hectic time and a slower time of year which attractive much follows the spin period. As a result, for finest service, make contact with the Pool Contractors Short Hills NJ in the opening of the calendar year. Coming up until Memorial Day to begin the procedure. Ahead of jumping in start first,monster beat, here are a few suggestions to help out you select the builder that's right for you.
    Create a list of the necessities you would like in a pool. For example, you might wish for which shaped pool etc.
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    Evaluate each offer with awareness prior to you select a builder. You can find a plan later than looking at a few proposals which builders have a tendency to overcharge. The greater part of pool Builders Short Hills NJ ought to be within the same price range.
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    We all know that building the shell of the house is hard as it is especially if you have not the best workmen working for you and your home. But once the outside is done it really is up to you to decide where everything else goes. Not one day can go pass without the builders working in your home without you. Because after the plastering is done then they really do need supervising on every step and level because even the joinery and wood work is how you want it. You may not require skirting board on one part of the room and may require it every where else.

    But today we will be giving you an idea on how you should plan your kitchen.

    First of all we start off with the ceiling. You may decide that you want a mirror effect ceiling so you need to plan this in advanced because you could save your money and your workmens time by not plastering the kitchen ceiling. You then need to decide on which kind of lights you require whether you require spot lights, led lights or the old light tube. You need to decide which lights you want in your kitchen because you and your workmen then need to drill holes into your ceiling and this still requires you to be there as you have to tell them exactly where you want the lights to be.

    You ought to get the ceiling done out of the way because you really dont want to be working on top of your new expensive kitchen. Also if you are having the normal ceiling then make sure you get this part of the kitchen decorated i.e. get it painted with a quality gloss. The gloss will give it a shine and will look a lot brighter than any other paint type.

    Then you need to decide on the kitchen tiles that you require. I would recommend not going more than four tiles high or 400mm high from your worktop. Because a kitchen that has been tiled fully it will not look very stylish but will look like more of a Victorian kitchen.

    Then you need to decide on your kitchen worktops and sink. The reason why you should shop together for your worktop and sink is that you may decide you require an undercounted sink and therefore if you are opting into a granite worktop you need to tell that company the size of your sink so that they cant cut into the granite.

    Then you need to choose your kitchen tap. You can choose from more than one type of kitchen tap. There are kitchen pillar taps where you get a hot and cold tap,north face dame, but this is more found in the older kitchen homes. Then the modern kitchen mixer taps with the stylish swivel spout that is really ideal for any kitchen usage. Take one step further if you have a busy kitchen atmosphere you could buy a kitchen pull out tap which is very easy to use and can make washing up easy with the flexible spray hose attached.
    We all have our bunch of sorrows to live with. If you have lost your mom,nike air force, it does not mean you are going to keep away from mothers day. You can revive the wonderful memories that you had with your mother on this day. Here are some of the ways by which you can have a lovely mothers day.

    As they say, its not what happens to you that matters more but how you react to it. Dont turn your back at mothers day. Instead take this day as a day to revive the wonderful memories that you have with your mother. Think of the things that you enjoyed doing together. What are the special things that you loved so much about her? You can land up eating a meal at her favorite restaurant on mothers day. Order what she loved to eat. Pick up a bunch of her favorite flowers and decorate the house with it.

    If you have siblings it is an additional advantage for you. You can gather up and do activities together that she loved doing. You all can arrange the house the way she loved it, and decorate it the way she used to. Cook her favorite meals. Revive the memories that are embedded in your minds. You will find yourself living the memories of the past! Share with your brothers and sisters the events that are vivid in your minds. Like a picnic that the family went for. Talk about how much fun all of you had. How beautiful was your mother looking on that day. If you remember something that you shared exclusively with your mother and that the entire family does not know, talk about that. You may have made her very happy with your grades. You remember the smile on her face as you showed her your report card. Share these with your brothers and sisters.

    Dust off the old photo albums and view the pictures. As you go through them you will remember things more vividly that you otherwise would have.

    You will spend a lovely time recounting the memories. This way you will be able to strengthen the bond between all of you. No matter how far you people live from each other, mothers day is a wonderful opportunity to spend some quality time together. Our family is always the most special to us. But in regular course of time we get so engaged in our lives that we take them for granted. Mothers day provides a reason for you to come close to each other and celebrate.

    You can read out the stories that she told you. You people can gather up some funds for charity,monster beat, something in which she was involved. This is a very meaningful way to celebrate mothers day. Through your charity you people are trying to bring happiness to deprived people. There cant be a better way to celebrate mothers day!


    Rakhi is certainly one of the most popular cultural festivals in India. It is an occasion that speaks of the undying love between a brother and a sister. Raksha bandhan is a promise to protect and cherish forever the sacred bond that symbolizes this relationship. This is one of those rare ancient cultural occasions that do not limit the rituals to a brother and a sister. You need not be a related by blood or family to tie a rakhi and do pooja on Rakshabandhan.

    Regional Raksha Bandhan Celebrations
    Owing to the regional manipulate of the local legends and their relevance in different parts of the country,north face vinterjakke, the celebrations of Rakhi vary throughout India. This festival is primarily known as being associated with the north and north western part of the country. But, it can be safely said that with changing times and the world having become a smaller place, this occasion has gained popularity in many parts of this country and even so the world.

    Rakhi Purnima or Rakhi Day
    Rakhi or Rakhi Purnima or Rakhi Day on a full moon day in the month of Shravana of the traditional Hindu calender. Rakshabandhan represents the sacred bond between a brother and a sister. Accompanied by chanting of mantras,beats pro, sisters tie the thread of Rakhi on her brother's wrist. Rakhi is a brothers promise to protect his sister from all negatives of life. It is also a amulet protecting the brother from all evils and is understood to bring in luck and prosperity in his life.

    A Societal Ceremony - Rakhi
    The rituals of Raksha bandhan are not binding to brothers and sisters or members of a family alone and they transcend the confines of blood and familial relations as well. When a Rakhi is tied on the wrist of people close to you,nike air force, it brings everyone closer so much so that everyone is the part of a secure social structure. It is thus that Rakhi Utsavs, too, take place where large gatherings of people from a society or community take part in Rakhi ceremonies.
    "Raksha Bandhan" or Rakhi is an important festival that glorifies the loving bond between brother and sister. This loving relationship is mainly celebrated in India with pomp and glory. On this auspicious day, sister ties a sacred thread known as "Rakhi" on her brother's wrist to strengthen their bond. Both pray for each others well being and prosperous life. Now-a -days, apart from tying Rakhi to brothers, sisters also tie Rakhi to the persons whom they respect and consider as brother. So, if you want to surprise your loved ones in India on Rakhi, you can send Rakhi gifts to India online. GiftstoIndia24x7.com is a mega online portal that has been assisting the online shoppers over a decade.

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    You can also send Rakhi Hampers for sister as Rakhi return gift. The hampers include best gift articles such as designer outfits, branded cosmetic collection, delicious sweets, trendy purse etc. So according to your sister's likeness, select the best one and make her feel special on such grand occasion. Apart from these, you will also get sweet hamper,of course, chocolate hamper, flower & fruit hamper and dry fruit hamper. You can give a treat to your dear ones by sending these mouth-watering hampers.

    If you want to send something traditional on Rakhi to your loved ones,Rodent Management System, then Rakhi thalis will be the perfect gift. Here you will get diverse types of Rakhi Thalis such as Bhaiya bhabi thali, Bhaiya Thali etc. According to Indian customs, Rakhi Thali plays a significant role on such auspicious occasion. Before tying Rakhi thread, sisters prepare Rakhi thali with roli, tilak, sweets, Rakhi threads,incense sticks, diyas and rice grains. So, in this online store,nike air force 1,you'll want to play this game too, you will get exclusive thalis that contain the core essentials of this festival. For instance, Bhaiya Bhabi thali includes Zardosi Rakhi & Lumba Rakhi, Shagun Nariyal with Shagun kalaash and Roli tikka. The sweets thalis include mouth-watering Indian sweets which will surely make the celebration memorable. So,delectable restaurants, send Rakhi to India along with these exotic Rakhi Thalis.

    Rakhi is the integral part of this festival. Here, in our site, you can avail unique types of Rakhi such as Zardosi Rakhi, Silver Rakhi, Kids' Rakhi etc. So send Rakhi to India along with these attractive hampers and Thalis. Our proficient delivery service will definitely assist you in delivering the gifts on right time and at right location. So, make Rakhi 2011 memorable and splendid with fascinating gifts.

    Bring Your Pets to Cabo San Lucas Hotels

    Are you planning on going to Cabo San Lucas, Mexico but youre worried you wont be able to bring your special little furry friend along in the hotel?Well, you dont have think about that anymore because there are several hotels in Cabo San Lucas that offer free and friendly lodging for the traveling pets and their good owners. All you have to do is read this brief but helpful note in order to find out which hotel suits your need and requirement. The most famous hotels that cater to such a need include Esperanza Resort, Casa Rafael, Melia Cabo, Club Cabo Hotel Resort and Cabo Inn Hotel; these hotels provide the best of accommodation for you and your furry little friend. You can even leave your pet behind in the reliable hands of the hotel staff and enjoy your time outside while your little fellow is being taken care of by the friendly staff members.

    Tips for Cabo San Lucas Hotels

    In order to enjoy your trip in Cabo Can Lucas hotels to the complete level, all you have to do is simply go through this helpful guide that will provide you with all the details that are necessary to keep in mind about this tropical region. The nightlife in Cabo San Lucas are full of hip and happening crowds that love to dance till they have no energy left; so get ready for crazy fun in discos and night clubs. Cabo San Lucas has the best of night clubs and cafes for those who enjoy moving a muscle or two with their friends and partners while psychedelic lights go on and off. Dont forget to bring your sun-block lotions and sunglasses along because the weather in the Baja region is famous for its heat and sizzling sun. A hand-fan could be handy if you really want to beat the heat. Along with that make sure you bring light cotton shirts and shorts that can keep you from sweating yourself out.

    Finding Low-Rates in Cabo San Lucas Hotels

    Casa Bella Hotel is absolutely visually amazing due to its lovely architecture surrounded by lush greenery from all four sides; it really is like heaven on earth. It is absolutely lovely,the parent company of Mobius International, peaceful and serene for all the guests living there on their vacations. The family suites are grand,nike air force 1, spacious and beautiful to spend time in while the business suites make the stay easy and hassle-free. You will be amazed to learn that this sweet hotel is run by a caring and loving family that makes sure that each and every second of your stay is pleasurable and hassle-free. Your choices, ease and comfort are three factors Casa Bella will make sure is taken care of and constantly provided to you all times. If you are looking for a quiet and serene stay in Cabo San Lucas then simply book yourself a grand room in Casa Bella and spend an enjoyable trip.

    Cabo San Lucas Hotels; Esperanza Resort

    Welcome to the finest of all hotels in Cabo San Lucas! Esperanza Resort is the best hotel ever in the history of all Cabo San Lucas hotels merely due to its fine maintenance, friendly staff, golden architecture,nike air force, scrumptious food,with just one application to maintain, scenic views and grand service. If you are a first timer in Cabo San Lucas,beats pro, all you have to do is simply look for a room in Esperanza Resort and enjoy a vacation of a lifetime because this hotel will provide you with all you need and want. From spas,north face vinterjakke,hardware-based, pools,running backs,www.sacguess.net, cafes to on-site gyms, activity centers and restaurants,Take a minute and Google something, this hotel is like the heaven you have been looking for all your life. Along with that the beach view is simply breath taking in short. You can avail to their amazing discounts, packages and deals for their first time guests so that you dont have to worry about your affordability range throughout the stay.

    It is no secret that there are hundreds of different templates for Magento available online. Some of these really good ones are free of charge to integrate,www.burberrysac.net, and other ones will cost you. If you find one that you really like that requires that you pay a fee for access to it, you need to make sure that it is going to be well worth the cost. Not all templates are the same, and not every company that offers them is equal to any other company. Since these templates for Magento are a critical component of your eCommerce website, you need to make sure that you devote the appropriate amount of time to the task of finding the perfect one for your business.

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    Active traders are constantly looking for ways to make their trading more efficient and, consequently, more profitable. Finding the best trading platform is one key way to achieve this. Day traders, scalp traders and swing traders alike can benefit greatly from a trading system that allows them to customize trading pages to suit their own trading styles and skill levels. Equally important, the proper trading software will allow you to trade a variety of investment products in one account, as well as provide advanced trading tools and features.

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    Stream Trout Fishing is an art form. It takes a complete understanding of a stream,on the other hand is that, the trout and the kind of bait it eats. It also takes a bit of stealth to keep a trout unaware of the fisherman's presence. Trout are leery of anything out of the ordinary.

    Know the Ins and Outs of a Stream

    When a fisherman first steps up to a stream,the surroundings look heavy, there are a few key areas to take note. First follow the stream to note of the shallow areas. Next take note of where it slows and also the areas where the it gets deep. Knowing these areas is essential to working a trout stream.

    How to Know What They Are Eating?

    Every stream has its own unique food supply. To find out what the trout are eating takes minimal effort. Go to the very shallow area and pick up a few of the larger rocks. The insects and water life that live under the rocks are what the trout are eating. This method works great and will give more than enough information on what the trout our eating. The same insects found under the rocks are those that will float towards the deeper areas. Here the trout line up and feed. It is a constant conveyor belt of food.

    Stream Trout Fishing Depths

    Start to work the stream where the water is knee-deep. It will usually have a long run of deeper water. It will start at knee level and get deeper as it goes. They are small but can get very deep, the deeper the water the more potential to find a larger trout. After a point,www.sacguess.net, it will once again start to become shallow. Continue working down the stream to find new areas of deeper water. Another option is to rework the first part of the stream to entice a more reluctant trout.

    Casting a Shadow

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    Don't you hate it when your couch, furniture,UGG Boots, or other parts of your house smell like your old high school laboratory room with a disgusting ammonia-like odor floating on air and penetrating well on your nostrils? The irritating smell can go on for days or even weeks if you don't do anything to effectively eliminate cat urine odor.

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    Agha Hasan Abedi, founder of the Bank of Credit and Commerce International, said it well: "The conventional definition of management is getting work done through people, but real management is developing people through work." Of course, investing in your people does produce results and is the only way to generate larger profits for your company. But there's a world of benefits beyond the most immediate effects of good performance management.

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    Superintendent Eric Dinallo Redefines the Role of Regulator in the Insurance Industry

    New York Insurance Superintendent Eric Dinallo was thrust into the national spotlight last year as the insurance industrys then-largest company, American International Group, began its precipitous collapse. It was just one of the myriad, complicated issues that Dinallo arguably the highest-profile commissioner in the country has waded into since assuming office in 2007. In this exclusive interview with Insurance Journals Ken St. Onge, Dinallo gives an inside view of his approach to regulation and what he sees as the problems and solutions that the insurance industry needs.
    Insurance Journal: Youve proposed reviving the New York Insurance Exchange. Why?
    Eric Dinallo: We have no mechanism for an American-based marketplace. We dont really have a Lloyds at all in the United States. And the reason that I think thats a great opportunity is theres tons of capital that otherwise does not come into insurance that, for large property or reinsurance transactions, would be appropriate. So, you have, historically, hedge funds, private equity, investment banks that have had to go through pretty tortured mechanisms of getting exposed to insurance risk. The great thing about property and large reinsurance risk is that its uncorrelated to the market. So,monster beats, my belief is that theres going to be a pretty big demand for this once the markets recover, and as reinsurance hardens, theres this opportunity.
    IJ: How will this insurance exchange be different than the previous incarnation?
    ED: I think theres the possibility for a lot of capital sources other than just simply property-and-casualty companies coming into the exchange. I also think that improvements in technology will give us a very big advantage that we didnt have in the 80s.
    IJ: What does the time line look like for a New York Insurance Exchange?
    ED: Well, Id like to try to get the bones and the proposals and everything you would need to get together before the bell was rung, so to speak, in 09. I mean, theres a lot of work. You need to get the regulations back in place. You need to get infrastructure. You need to find a physical location. Just starting to identify these, youd need to get committed capital. If we can get that much done in 09 that would be a pretty good achievement.
    IJ: New Yorks workers comp system was overhauled in 2007. How has it changed, and do you think its working well?
    ED: Well, I think the overhauls been fantastic. We have a much more free market than we had before. I think that the ways that were pricing are just much more accurate, and that people feel that theyre being more fairly treated in the sense of the pricing accuracy for it. The roll-up of the data is much better than it was before. And I think that the deal that was finally struck, from a legislative point of view, was socially correct. So, the most extremely injured people got taken care of, and maybe even got an improved situation, and others, who of course did deserve compensation, were able to get something that was more able to give a greater social good. And so I think we ended up in a much better place.
    We still have work to do. We still have to get more. And we have a working group thats dedicated to this (T)he ways in which you would judge someones injury has to get developed, and theres going to be some versions of that that are going to be debated about.
    Bringing it into the 21st century, in a data-driven way, is,www.chaussures-puma-pas-cher.net, I think, the general success. But, of course, the deal youre alluding to was struck almost two years ago, and we still see that, although that was very successful I think its been almost universally well-received theres still more work to be done.
    IJ: How do you feel anti-fraud efforts are working in New York, and would you like to see more of them?
    ED: The numbers (show) that anti-fraud measurements really help. They drive down the costs in the insurance system. Theres a tremendous amount of essentially stolen money coming out of the insurance system. We work closely with the (investigators) of various companies. We have a pretty robust police force, essentially. Although theyre not necessarily police; theyre peace officers.
    Im a big proponent of it, especially having been at the DAs office myself and the AGs office. Steve Knockman, who essentially headed one of the major anti-fraud units at the attorney generals office, has come over to work on this. Im very proud of our progress. More can be done. Its essential. I think it makes a difference in pricing, and its the right thing to do.
    But, if you dont enforce its one of those kinds of crimes that without severe enforcement episodes, people kind of drift into it, frankly.
    IJ: Agents have been highly critical of the New York State Insurance Fund. They feel that they cant compete against it adequately. Do you think thats true? Would you like to see any changes made?
    ED: Well, I think this is a fair question To the extent that the agencies have a complaint, it was supposed to be kind of the residual market, sort of like assigned risk in the auto situation, and now its grown to be the dominant player in workers comp. Thats a fair question to ask. They have tremendous state resources, so their ability to price aggressively comes from the fact theyre a socialized entity.
    Obviously, people are going to look at it but I dont know what the right future is Its something that I think needs to be addressed, because I dont think weve really reviewed it in a long time.
    IJ: How would you characterize your relationship with agents in New York State?
    ED: Well, Id like to think its positive, of course. [laughs] I do think its positive. I think that the insurance agents are very Whats the word Im looking for? They are very aware, involved, appreciative of local and state politics and of the state regulatory system. So, theyre usually big fans of state regulation of insurance and one of the enemies, so to speak, of federal charters, an optional federal charter. And obviously, I acknowledge that, and we work well together. I like my relationship with them (and) I like to meet with them. Theyve come to the office a lot, [laughs] because theyre very active. And thats good.
    IJ: Between the various issues that the departments faced over the last couple of months, such as AIG, default swaps and the bond market, how has that affected the agencys ability to respond to everything?
    ED: Thats a really good question. The reason that weve been able to address some of these global issues, and why Ive felt comfortable having us out there working on them,puma france, is because the agency is really so excellent,chaussures converse all star, frankly one of the jewels of state government (W)e can operate from a completely secure, excellent base, and do things like credit defaults swaps, the bond insurers and AIG, (without) sacrificing the core of our mandate, which is the regulation of the markets, insurance companies, and consumer protection.
    But, Ill say that I sometimes feel guilty, because there have been moments when I wanted to delve more into, say, health insurance, or some of the personal lines of property insurance, as opposed to some of the major property-insurance issues that weve dealt with,sac chanel pas cher, like the settlement of the World Trade Center case, and life insurance. But, I do think it has not really been a lost year for that, because even the big issues are really just macrocosms of the smaller or more local issues.
    IJ: Youre a self-described agnostic when it comes to federal regulation. What do you see happening in terms of federal regulation of insurance?
    ED: There are areas where you could have reasonable federal regulation, or at least it should be discussed. Reinsurance would be an area where its hard to make the were protecting the consumer argument. Its a totally fungible, capital-markets undertaking. Some argue about life insurance, because its a transportable policy as opposed to the local kind of property issues. The bond insurers, the monolines, are an issue which I think we navigated extremely well. But, if one said this is really a capital-markets issue, and the federal government wants to be sure that its done a different way, I dont think we should really argue about that as much as we should be arguing about whats the motivation. If people are using arguments like AIG which, to me, is quintessentially an example of good state regulation, because the solvency of the operating companies exists because of the state regulatory system then thats what kind of irks me.
    I still see no world view where the federal regulatory authorities are ready to deal with the 70,000 complaints we receive every year, the auto rates, the medical malpractice, and the homeowners insurance. This is inconceivable to me. There are 15,000 state regulators, essentially, when you roll them all up, from Alaska to Puerto Rico. Are we going to have a second, sort of a shadow group of the same magnitude? I dont think thats really a business plan.
    IJ: Youve talked a lot about contract certainty, particularly as it comes out of the World Trade Center attacks. What does that mean to the insurance market, particularly for property/casualty brokers?
    ED: Well, for PC brokers, where its really an issue, it means that essentially 90 percent of their slips their binders will be in a firm policy within 30 days. Its a reasonable time period. This is important because the concept that we let our financial-services industry and insurance engage in these very complicated policies with absolutely no policy in place is just crazy. Were doing sophisticated risk placement, but theres no definitive contract as to who bears the risk in certain scenarios.
    And thats what happened with the World Trade Center. The attacks occurred. There were no policies. The lack of policies resulted in six years of the most robust litigation you can imagine. I think the estimates were literally 100,000 a day for lawyers fees on that litigation. And it only favors the litigators. And I dont think it favors the underwriters, it doesnt favor the brokers, and it certainly doesnt favor the customer.
    So, my view is, if London can do it, New York can do it. Its probably not as big of an issue for personal lines. I think those placements are usually done. But, in any of the complex, sort of multi-geographic or large property placements, like the World Trade Center, I think its the only path.




    From This Issue






    April 20, 2009Insurance Journal West Magazine

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    Young Agents Survey/Big "I" Issue; Medical Professional Liability; Inland Marine/ Transportation/Cargo
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    LocalNet360-As we continue our series on helping small companies expand onto the Internet as a means of improving business, its time to expand upon a previous article about email marketing with the addition of online-only coupons and email promotions. While it is still early for most small businesses to buy into the concept of email marketing, the truth is that now is the time to get started. This article will discuss the benefits of using email marketing promotions such as online-only coupons, Living Social and Groupons to help promote your business, as well as some of the potential methods that can be implemented.

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    Some of the benefits of using Groupon, Living Social and online-only coupons is that you can track how each coupon is bought and used, as well as monitor who is receiving the online-only coupons and is actually using them,4245, as opposed to just sending the offer to the Trash folder. Several of the email programs mentioned in the previous article have tracking features, so you can see where your email goes, who it is received by, and who it is forwarded to, which is an asset when you are just moving your company off the ground and are working on building a client base, as well as establishing yourself as a reputable business. Offering incentives to share information about your business in the forms of coupons and discounts for customers that sign up for your newsletter is a good way to stretch your budget and rely on word-of-mouth promotions.
    Of course, this is just a brief overview of how technology improvements and the internet can help improve your small business. And assuming the market for online marketing continues to grow in popularity, many small businesses can begin to use this inexpensive resource to help grow their businesses and expand their resources to the fullest.

    As you begin to develop and/or expand your presence on the Internet for your business consider this: Email marketing combined with special promotions is a good way to increase traffic to your site, as well as improve its search ranking inexpensively. However, you will need to develop more comprehensive strategies,nike shox nz, since no one way will work for all businesses as you begin to build a customer base that you can then market to online on a regular basis. As stated earlier in this series, in order to rise above the crowd you will need more than just a website. Therefore,32480, implementing several Internet based solutions over the next 12-24 months will be critical to the long term success for virtually every small and local business in America.

    Internet Marketing by LocalNet360
    Copyright LocalNet360 All Rights Reserved Worldwide.

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    IPad applications for truck drivers are a part of everyday business in the trucking industry. Trucking companies and truck drivers are gaining access to information that can make their jobs easier. Truck drivers can us IPad applications to find truck stops, inform them about weather and road conditions,sac burberry, even locate their next job.

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    Trucker is the best all-n-one application for the trucker. Trucker was created by a trucker driver for his fellow truck drivers. It contains all the useful applications a truck driver will need while they are on the road. It contains maps, calculation tools, DOT listings for each state, FMCSA rules, security and emergency locations, and Twitter.

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    Hawaii is home to perfectly breaking waves and warm water that makes it a tropical paradise for all; this is especially true for surfers. Surfing is a hug part of the traditions and culture of the all the Hawaiian Islands. This sport goes back to ancient times. It is embedded in the hearts and minds of the residents of Hawaii.

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    Enhance Your Agencys Online Visibility Through Search Engine Optimization

    Nearly half of the United States more than 163 million people are using the Internet, according to a recent Nielsen poll. And they are using search engines to research local businesses far more than they are looking them up in the Yellow Pages.
    A survey published last fall by Nielsen Online and local online marketing specialist, WebVisible, showed that 82 percent of U.S. consumers are using Internet search engines such as Google and Yahoo to find local businesses in their communities. Meanwhile, 57 percent of survey respondents said they use the print Yellow Pages to research local business. (See Search Engine as Local Business Research Tool below.)
    This growing use of the Internet to find business services and products demands that small- to mid-sized insurance agencies maximize the effectiveness of their firms Web site to attract consumers to their piece of online real estate, said James Omdahl, an online marketing specialist based in Denver.
    In a presentation at the Independent Insurance Agents of Texas Joe Vincent Management Seminar held in Austin in late January, Omdahl pointed out that the Nielson-WebVisible survey also showed a huge gap between what small businesses are doing to make themselves found on the Internet and consumers attempts to seek them out. Some statistics Omdahl found notable:

    44 percent of small business owners have a Web site.
    61 percent spend three hours a week or less marketing their Web site.
    51 percent said their sites customer acquisition capability the ability to turn a Web site visitor into a customer was fair to poor.
    50 percent are spending less than 10 percent of their marketing budget on Internet advertising.
    26 percent have invested in search engine marketing in one way or another.
    30 percent did no Internet advertising.

    Becoming Visible
    Big companies will figure out how to take customers from you if you dont figure out how to do it first, Omdahl said. The opportunity for small- and medium-sized businesses in the insurance market lies in their ability to specialize and become visible and findable for that specialty on the Internet. Be more specific on the business that youre focusing on if you have a specialty, youre going to be good at that; if you work with a specific type of clients, youre going to be good at that, Omdahl said. Thats where the opportunity lies in 2009.
    He noted two examples of Internet-based companies that began as narrowly focused firms and expanded exponentially later on: eBay and Amazon. Amazon began as an online site for rare books, and eBay started out as an auction site for Pez candy dispensers, Omdahl said. Eventually they were able to expand their businesses because they built a good foundation and they were able to scale that out into other industries that were related to their industry, he said.
    The best way to think about your Web site is that its a lot of things to your business, Omdahl said. No. 1, its your storefront. It really is a place online where people are going out and looking to purchase insurance these days. And it is your piece of real estate on the Internet.
    Its also your resume,beats studio, Omdahl continued. It tells people what you know, what youve done and your history. Its your public personality. You dont just have to be another bland insurance agent. You can really be someone with a personality, someone who stands out, and you can do that with your Web site. Its also your cold call, your first conversation and your sales pitch.
    So, what should a Web site do?
    No. 1, it should look professional, Omdahl said. While that makes sense, he noted there are a lot of Web sites that dont look professional, that look outdated. Web sites should be redesigned on a regular basis with new content added at least every couple of years, he recommended.
    You also want to be able to convert someone from a visitor to an actual client or a lead or a contact. A lot of people forget this, Omdahl said. Provide as many options as you can for your visitors to turn into customers, he said. There are companies out there that can help you with a lead form. There are companies out there that can take somebody through the application process. There are even companies out there that you can actually get to a sale with.
    The ability to add content and have some control over your Web site is also essential. There are plenty of platforms that allow you to add content, add photographs and change things up on your Web site without having to pay someone else to do it, he said.
    Be a master of your own domain. What you want to do is you want to own that piece of real estate online, Omdahl said. He said if you are going through another company to host your Web site, you are only borrowing your name and that space. He said for around 20 a year 10 for a domain name and 10 for hosting an agency can own its piece of Web real estate.
    An effective Web site will also have the ability to track whos visiting it and how they are getting to the site. That is accomplished through analytics tools, such as Google Analytics. What analytics do is track whos visiting and from where people are visiting your Web site. How did they get to your Web site? What did they type into Google? What type of Web site did they come from to get to yours? What pages are they visiting, how long have they spent,chaussures puma, what are their navigation apps for your Web site? When you gather all that information,sac chanel prix, youre going to be better able to tell whats working and whats not on your site, Omdahl said.
    If You Build It, Will They Come?
    Even the greatest Web site in the world is worthless if no one can find it, Omdahl said. But in reality, people wont find it unless you take steps to promote it.
    When someone goes to Google and performs a search for commercial auto insurance, the results page will show sponsored links, which appear at the top inside section and on the side of the page. The owners of those sites pay for those positions. The center section contains the free listings, which are also known as organic listings or natural listings. Thirty percent of the people who do Google searches will click on the sponsored links, but 70 percent are going to be focused on that middle section. The idea is to get your Web site to appear at or near the top of that list in the middle section, Omdahl said.
    One of the ways to do that is through search engine optimization (SEO), which is basically creating content that will make it easy for search engines to find the site. SEO is really the process of understanding how Google is looking at the search its about doing things to your Web site to get it to rank highly in those search engines, Omdahl said.
    Spiders, Crawlers and Robots
    Google employs programs, sometimes called spiders,chaussure puma, crawlers or robots, that search the Internet for Web sites. When they find a new Web site, they copy it and put it into an index, Omdahl explained. They also follow from one link to another, from Web site to another and they make note of the relationship between all these Web sites, so they actually understand how one Web site links to another. Then, using about 200 mathematically based factors, they decide how a given Web site ranks where in the search engine.
    Omdahl offered some general tips to enhance a Web sites visibility on search engines:

    Avoid generalization. Target key words and use specific terms.
    Create valuable content for your visitors. Post articles about problems your customers regularly encounter. Publish news and data, and sharable tips and guides, targeting your niche industries.
    Make your title tag work for you. The title tag explains to a search engine what your Web site is about. It is located in the header, or the blue bar, above your Web sites home page. The title tag is also the clickable string of words that describe your business and appear in blue on the Google results page. The title tag should contain key words to convince people to click on your listing.
    Link up. Linking is extremely important in the insurance world because the industry is so competitive. Possibilities for linking to other Web sites include professional organizations to which you belong, Web sites of clients or businesses in your niche focus, associations and professional groups that represent the types of businesses you specialize in,converse all star pas cher, as well as family and friends.

    This article was based on a presentation, Tools of the Trade: Strategies for Marketing Your Agency Online. For more information on search engine optimization, visit James Omdahls Web site at www.jamesomdahl.com.
    Search Engine as Local Business Research Tool
    Nearly 4,000 U.S. Internet users and 261 small business owners participated in the Nielsen-WebVisible survey, according to Search Engine Land, www.searchengineland.com, which posted a summary of the survey results on its Web site.
    Commonly used local business information resources:


    Search engines
    82


    Print Yellow Pages
    57


    Local newspapers
    53


    Internet Yellow Pages
    49


    Television
    49


    Direct mail
    38


    White pages directories
    32

    Primary tool/resource for researching local business:


    Search engines
    50


    Print Yellow Pages
    24


    Online Yellow Pages
    10


    Source: www.searchengineland.com




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    June 1, 2009Insurance Journal West Magazine

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    Did you know that Sue has a big sister? Yep, she sure does! She has interesting ties to Sunbonnet Sue and there's quite a story to tell about her too!nbsp;

    I did a little research on the design of this quilt and it was so interesting that I decided to share it in my Sewing Journal. I know that some of you might not be the least bit interested in quilts or quilting - for others,air force one, quilting might be what drives you to sew. Wherever you are in sewing, I think you will find some interesting tidbits in what I have to share. When I started this post, I thought I was going to just show you one of my vintage quilts, but instead I got caught up in the history of Sue's Big Sister! I had no idea I would find so much interesting info on the history of this quilt block design!
    One piece of research I found indicates that this design was originally used in the "Quilt Code" of the Underground Railroad,sac guess pas cher, which was really surprising to find out.What is the "Quilt Code?"
    The premise of the "Quilt Code" is that various geometric patterns commonly found in American patchwork quilts were used to convey messages in connection with the Underground Railroad. But even among Code proponents, the patternsrsquo; meanings,monster beats, how the quilts were used,north face jakke, and who used them is a matter of debate: as of mid-2005 at least 15 contradictorynbsp;versions of the Code were circulating. Some proponents claim the Code as part of their family oral history, but none can point tonbsp;an ancestor who used it to escape to the North or even participated in the Underground Railroad.nbsp;
    Another article that I read about this quilt block stated that "Free women in the North wore long dresses with Sue bonnets," and says this block tells slaves they would receive disguises once they reached the North.nbsp;"Dutch Girl"
    During the Underground Railroad period and for generations afterward, these deep-brimmed hats were universally known as "poke bonnets". According to West Virginia Heritage Quilt Search findings, the Southern name for the block was "Dutch Girl".In fact, the earliest "Sunbonnet" figures are in redwork embroidery, and date to around 1905.nbsp; Many vintage pieces of linen with these figures are better known as "Crinoline Ladies".
    The "Sue" applique block didnrsquo;t appear until 50 years after the Underground Railroad disbanded; the earliest known "sunbonnet" applique quilt (by Marie Webster, called Sunbonnet Lassies or Keepsake) was first published in the Ladies Home Journal in January 1911. Quilt historian Brackmannbsp;notes that the Sunbonnet applique pattern "did not trickle down to the quilt making public until the late1920's. From the 1920s onward, the designs became known variously as Colonial Lady, Southern Belle or Umbrella Girl,cheap nike air force 1, she first appeared in the 1920s as embroidery on dresser scarves and as a center medallion on unquilted bedspreads, which coordinated with home decor items ranging from silhouette pictures to lamps to dinnerware.nbsp;


    vintage linens

    I love the history behind the design of my "Southern Belle" quilt! There are a total of 12 Belles, and they are all "dressed" differently, each carrying a parasol that matches her gown and bonnet.nbsp;

    This quilt is another favorite in my collection. As with my other family quilts, I hope to get the story behind the designer of this beautiful vintage quilt. One thing is for certain, the quilter of my Sunbonnet Sue most definably has family ties with Sue's Big Sister!







    If you are saying "I want to get back my ex boyfriend" but don't know where to start,nike shox, this article could be just what you need. You see,8680, we all have emotional triggers that can be exploited as ways to get him back. If you are really serious about getting your boyfriend back you need to learn what his emotional triggers or "hot buttons" are. Read on to discover 5 ways to hit those buttons and start getting him back today!

    1 Keep Contact Down to a Minimum. Its ok to keep in contact, but be very casual about it. A simple text or friendly phone call now and then will be enough to show you still care when getting your boyfriend back but more importantly, it will also keep him guessing what you are up to in your life. Keep the mood of your contact fun and easy going. This not being in control of you will hit an emotional hot button; the I miss you button.

    2 Become his Friend. A simple first step to getting him back is to just be his friend. He would expect you to run after him and be all needy with him. This will definitely push button number 2 because he wont know how to react to this and it will intrigue him.

    3 Be Confident and Happy. Make sure you get yourself out and about with friends. Staying indoors wallowing in depression will do no good. By starting to enjoy yourself again, the pain of the breakup will soon begin to ease. There is a high chance you will bump into each other when you are out with your friends and one of the ways to get him back will be to show him the new "fun and full of life you". Be warm and open to any conversation with him but dont show any weakness to his charms. Hot button number 3 on the quest of getting him back is to make him work for you!

    4 Update Your Look. Often when you are in a shaky relationship,chaussure timberland,8056, what makes things deteriorate is letting yourself go. If you really want to hit those emotional hot buttons and are serious about getting your boyfriend back you need to use your secret weapon. Get sexy again! A breakup can pull your self worth down and you no longer care how you look. You need to take pride in how you look again. Its Time to get that new hairstyle and time to shop till you drop and buy that killer new set of clothes. Maybe drop a few pounds too,8468,burberry sac,8402! When he sees you his jaw will drop and he will kick himself for dumping you. This is one hot emotional trigger that I defy any man to fight off.

    5 Invite Him on a Date. This is one of the ways to get him back and must be handled correctly and only when the time feels right. Too soon and you will look pathetic and needy. Too late and he may have moved on. By taking the initiative to move things forward he will see a new confident person that knows what she wants and this will really help getting him back. Be careful not to seem pushy as this will put him on his guard and wonder what you are up to. A simple meet up for just a cup of coffee would be good. Tell him to look at as more of a friendly get together rather than a date but make sure you look hot. Ooze sexiness and confidence in a casual way is trigger number 5 and you will have him eating out of the palm of your hands. Enjoy the power,7893,nike shox!

    If you are asking can I get back my ex boyfriend,chaussures guess, then by using these hot button techniques your percentage of success will be much higher. By using even one of these emotional triggers you should very soon notice his feelings towards you changing and this will be one step nearer to getting your boyfriend back. In the big picture, getting him back is pretty much the easy part. Being able to keep hold of him will mean securing a lasting relationship and this task will definitely require help.

    Are you looking for custom teak furniture? Not sure where to look? You can shop fine furniture stores for Custom teak furniture. Many high end garden shops carry teak also. Browse online for custom teak furniture also. You can search the web for companies that have the best customer service and the best delivery also. Dont forget to inquire about shipping and handling costs. Some custom pieces cannot be returned.

    Custom Teak Furniture can be made to your design. You can find many pieces in indoor teak furniture. Carved doors can be added with birds,10319,nike shox nz, animals,9783, initials or legends on them. The style can be customized to fit your dcor and taste. Many people use teak furniture indoors because the rich beauty enhances indoor living. Indoor teak furniture will make your home smell good too. It has a nice aromatic smell that lasts for years.

    Custom Teak Furniture is made from teak that comes from Southeast Asia. Teak cannot grow in rain forests, it grows in dry hilly areas. Most of the teak furniture which is grown around the world is not harvested from natural forests, but from tree farms. From planting, growing,nike shox dame, and harvesting, good teak wood takes about 50 years to bring to market. Indonesia is primarily where teak furniture is made. It is becoming quite a tourist attraction to watch the master craftsman at work in the market.

    Teak is hardwood that does not rot or splinter. It is durable and long lasting making it a very sought after wood for furniture. It is very valuable and prized throughout the world. Over time, it turns a silvery gray patina when left outdoors in the weather. Teak wood has a high natural oil content and naturally resists water. You can usually add a little teak oil to it and bring back the natural honey glow to the wood. Teak wood lasts a lifetime and in turn makes it an excellent wood for furniture. Your friends will be amazed at your great taste when you purchase custom teak furniture. You will enjoy beautiful wood furniture for many years to come. Even a lifetime.

    Danish teak furniture is a luxury you can afford! Beautiful carved wood and a smooth finish that doesnt splinter is the best thing about this wood.

    Danish teak furniture is furniture and designs produced in Denmark. Danish teak furniture has the best advantage of being constructed of the best woods of old slow growth trees. With a minimum of effort and care,burberry soldes,10399, vintage Danish modern furniture can still satisfy daily functional needs and retain its beauty for generations.

    Care for Danish teak furniture is quite easy. Teak wood most often is not lacquered. Only an oil is used. To preserve this finish the owner needs only to apply teak oil occasionally. Other oils may be used as well,timberland pas cher, such as mineral oil or lemon oil. These oils provide resistance to stains and highlight the woods natural luster. Teak furniture is the most durable wood furniture on the market today. Teak furniture has a life expectancy of 75 years,9644, left untreated. Danish teak furniture is made of excellent workmanship, smooth finish and uniformity in color. Teak furniture sets are so well crafted, they can be used indoors also. Dont forget about cushions for your furniture to make it more comfortable and stylish. You can find many colors and styles to choose from.

    Danish teak furniture continues to draw attention in both Denmark and abroad. You can browse online and research the many companies offering this one of kind furniture. Be sure to read the feedback the customers leave on the company before you order. Many times an item cannot be returned. Also,chaussures guess femme,10266, check the shipping and handling fees beforehand. Also, shop around at many fine furniture stores in your area. Check the yellow pages and call ahead to see if they carry teak furniture. Many companies put their outdoor furniture on sale during Memorial Day and Labor Day sales. End of summer clearance sales is also a good time to shop.

    Danish teak furniture has stood the test of time. Your friends and family will be delighted with your new purchase. You will enjoy it for a lifetime, because it truly lasts that long!

    Its been over a decade now since Hotmail has been established as a web-based email service provider. Ever since the use of email as the means of communicating to other people, MSN hotmail has been one of the most trusted email sources. Now, a hotmail login account isnt just for email services but also used for other MSN features like Xbox LIVE and Windows Live Messenger. If you havent got yourself a Hotmail login account, just follow the instructions below.

    Instructions:

    Open your internet browser and type the MSN web address (www.microsoft.com) on the address bar to go to the MSN homepage. Once directed to the MSN homepage, click Hotmail located at the top portion and click the Sign Up button.

    On the next page,chaussures guess pas cher, youll be prompted to create a Hotmail login username. Your username will also be your Hotmail email address. This username can be also be used to sign in on Xbox LIVE and Windows Live Messenger.

    Create your own password and retype or confirm it after. The password must be at least 6 characters long.

    To help you reset your Hotmail login password in case you forget it, you can either give an alternate email address or click Or choose a security question, where you choose a question and create an answer.

    Then enter your first name, last name, country, zip code,sac burberry, gender and date of birth. These are all required to complete the registration, but dont worry because this information is not made public to other Hotmail users.

    Then enter your first name, last name,therefore, country, zip code, gender and date of birth. These are all required to complete the registration, but dont worry because this information is not made public to other Hotmail users.

    After that, enter the code on the box. If you cant understand the code given, you can either click Audio for an audio assistance or you can click New to provide a new code.

    After completing the registration form, click the I Accept button at the bottom of the page to finish creating your own Hotmail login account. Once created,to self-leveling compounds, you will be taken to your inbox right away.

    Congratulations,It will be hard but always remember! Youve created your own Hotmail account. You can now use the free email service as well as services given by Xbox LIVE and Windows Live Messenger.
    Children often see these wonderful toy commercials on TV but quite often may not have the money to buy them. Some of the arts and crafts toys can sometimes be made at home using common ingredients and utensils found in the kitchen. Some toys like Play Dough and Aqua Sand can be made like this, and making it at home will save money and give your child a sense of pride by making it themselves. If you pay attention to the commercials,the skin is the largest organ of the human body, and do a little research you will be surprised just how many of these toy craft products can easily be made at home. Let us take at look at how you can make Aqua Sand at home,nike shox sko, and save some money along with it.

    To make your own Aqua Sand at home you will have to scrounge up the following materials: clean colored sand, a baking pan, your kitchen oven,at minimum, and some Scotchguard. The pan and ovn is smething you already have,www.chaussure-timberland.com, but the ingredients might take a little searching to find. Scotchquard can be bought at almost any thrift store or grocery store,air shox, an