TIMF Show Dates Announced

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The website for San Francisco's Treasure Island Music Festival had been updated with dates for 2009. Keep October 17th and 18th open. Though no acts have been announced, there is a clicky box where you can enter your email and get show updates. Hoo-ray!

Last year's TIMF included Justice, Tegan and Sara, The Raconteurs, Goldfrapp and Vampire Weekend.

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believes pink slips will be near-guarantees for being laid off. ��??In this ... Relief goods bused to 700 Pinoys in tsunami-stricken Iwate
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students were bused to polls Superintendent: Trip was voting ... Giovangnoli said each student on the field trip had a permission slip signed by ...
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SIGN BOTH PERMISSION SLIPS AND RETURN BY THE POSTED DUE DATE. 7TH GRADE GOLF ... Studnts will be bused to and from the golf course. ...
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officials say few of the preliminary pink slips will be rescinded by the final ... and Elk Grove Unified went to one-way busing for the few students still being bused.
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��??To the folks wondering about permission ­s and such, permission ­s slips were ... by the fire marshal to be in attendance this morning, more than 4,000 were bused...
five hundred kids from Arlington will be bused out to watch former President ... Although parents are being given the opportunity to sign off on permission slips, I ...
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first graders in S.F. were bused to city hall on a field trip to witness a gay ... Permission slips make no difference. The peer pressure is there. The social pressure ...
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students didn��??t hear Obama in school but will be bused out of town to hear ... Presumably parents were not offered the opportunity to sign a permission slip for ...
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Learn the do's and don'ts of inducing vomiting when a poison is ingested.
11 Oct 2010 Never induce vomiting if someone has ingested a chemical or poison, unless instructed by a physician. Caustic chemicals may create chemical
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How to prevent/delay poison absorption after having induced vomiting. You can purcase some activated charcoal and administer it after the dog vomits up the
24 Jul 2008 If a dog has been poisoned by a toxic plant, food, or medication, inducing vomiting may help increase the chances for complete recovery.
How to Induce Vomiting for Food Poisoning. An average case of food poisoning
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Treatment: Induce vomiting. A specific antidote is available but requires professional use. Metaldehyde - This poison (often combined with arsenic) is used
Treatment: If your cat is showing the first signs of poisoning and hasn't
Call poison control. Before you begin inducing vomiting make sure it is the best course of action. If you have had too much alcohol then vomiting may be
6 Mar 2008 The usual cat poisoning symptoms are vomiting or diarrhea. Unfortunately, not all symptoms become immediately apparent.
Ipecac root itself is a poison, but due to the normal strengths used and the Ipecac syrup is still used to induce vomiting, though it is no longer
If your doctor or the Poison Center indicates you should induce vomiting in the person who swallowed poison, use the prescribed amount of Syrup of IPECAC.
In some cases of poisoning, vomiting should be induced to get the toxin out of the system as quickly as possible. Use hydrogen peroxide (three percent
The reasons for inducing vomiting include if the person is suffering from bulimia nervosa, has food poisoning or poisonous substance have been ingested.
19 Mar 2008 If you suspect cat poisoning the normal reaction is to get your cat to vomit. However, there are several conditions where you don't want to
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Seek immediate emergency veterinary attention if you believe that your dog has been poisoned. Do not induce vomiting unless instructed by a poison hot-line
How to Induce Vomiting for Poison. Many things, even human-safe foods like chocolate, are poisonous to dogs. Inducing vomiting can save your dog's life,
Vomiting Techniques. Ways to Induce Vomiting. Food Poisoning Induce Vomiting Induce Vomit. Food Poisoning Induce Vomit. How to Induce Vomiting Fast
In those instances, other methods are available for dealing with the poison or toxin. Never induce vomiting unless it is medically advised for the
Nausea, vomiting, shock, liver or kidney failure. Wash off skin, induce vomiting , give 3 egg whites or milk orally. Rat Poison
In many cases of poisoning, the immediate treatment is to induce vomiting, but be sure to check with a medical counselor first!
Do not use Ipecac without the advice of a physician or the Poison Control Center . Remember, never induce vomiting unless instructed to do so.
30 Mar 2010 During the past 10-15 years,canada goose prix, the use of syrup of ipecac (SOI) to induce vomiting as a treatment for poisoning has fallen out of favor.
Don't induce vomiting. Don't let the word poisoning scare you into sticking your finger down your throat, says Bonnie Dean, assistant director of the
Uncategorized question: When should you induce vomiting in a swallowed-poison victim? Can you answer this question?
When the poison is a corrosive do not induce vomiting. Signs of corrosive poisoning include greyish white or yellowish burn patches around the lips and
28 Sep 2005 There ARE many poisons where the center for poison control will reccomend you immediately induce vomiting. For just one, many pills like
16 Feb 2007 When a poisoning is suspected the best possible situation is to If it says to induce vomiting there are several ways to do this at home.
If your puppy ingests something poisonous or toxic, inducing vomiting immediately could save your pet's life. However, at other times, inducing vomiting can
If you know your dog has ingested a particular poison and your vet or poison control center advises vomiting,canada goose, induce vomiting by giving your dog a 3 percent
Box - Leaves and twigs - Induce vomiting, give lots of water, As little as one regular strength tablet (325 mg) can poison a cat to the degree that it
22 Apr 2010 1) INDUCE VOMITING. 2) FOLLOW with ACTIVATED CHARCOAL. dog health questions, dog poison �� Tagged with chocolate dog, chocolate dogs,
If you suspect your dog has ingested an insecticide poison, induce vomiting immediately and get him to the vet. There is a specific antidote for
13 Mar 2010 To treat a dog who has eaten rat poison, a veterinarian will: 1. Induce vomiting within two hours (ideally at a veterinary hospital,
Treatment: If your cat is showing the first signs of poisoning and hasn't vomited, induce vomiting as discussed earlier in this chapter.
When should I induce vomiting? You should ALWAYS consult your physician or the Poison Center to determine if vomiting is necessary and/or safe.
In the valise of food poisoning, it is best to rely on the body's natural response to the food as opposed to inducing vomiting. A combination of baking soda
Never induce vomiting if someone has ingested a chemical or poison, unless instructed by a physician. Caustic chemicals may create chemical burns going down
A final word: do not induce vomiting on your cat if it is unconscious, Many cities will have a veterinary helpline or poison hot line to help you
Do NOT induce vomiting, get to vet. Pigweed - Varied toxic effect. Poinsettia - All parts, especially seeds: May cause a rash. Poison Hemlock - All parts.
Call vet, 24 hr emergency clinic and/or Poison Control Hotline Note that it is very important NOT to attempt to induce vomiting in an animal that is
The usual cat poisoning symptoms are vomiting or diarrhea. Unfortunately, not all symptoms become immediately apparent. Often the affects of her consuming
Do not try to induce vomiting without consulting a veterinarian first. The ASPCA Animal Poison Control Center (APCC) is a good resource for any animal
13 Feb 2011 To treat a dog who has eaten rat poison, a veterinarian will: 1. Induce vomiting within two hours (ideally at a veterinary hospital,
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因犯故意杀人罪而被判处死刑后改死缓、绰号“虎豹”的大连黑社会老大邹显卫,在投监后买通监狱领导,将死缓改为有期徒刑,还在高墙内住高级套间,专人伺候,召妓,乘豪华轿车随意出入。最后竟在监狱领导的一手策划下,神奇地“保外就医”,并再次酿成血案,致一人死亡一人重伤……  2003年4月14至17日,new balance 1063,辽宁省大连市中级人民法院公开开庭审理了这起大连市最大、辽宁省及全国都极少见的、情节极其恶劣的“虎豹”黑社会团伙案。2003年8月18日上午,沈阳市中级法院公开审理了被“虎豹”拖下水的辽宁省大连监狱原监狱长谢红军等三人。11月3日,正义的枪声结束了“虎豹”及其骨干成员陈德政的罪恶生命!  黑“虎豹”凶残杀人却并未被判死刑  大连“虎豹”是一起震惊中央和辽宁的案件。这个黑社会团伙曾横行于大连,私藏枪支弹药、杀人越货、敲诈勒索,还大肆贿赂监狱等司法官员做保护伞,可谓无恶不作、血债累累。  邹显卫为首,于政龙、王振毅、岑全玖为骨干,黄治峰等人为主要成员的将近30人的、较为固定的、带有黑社会性质的犯罪团伙。  绰号“虎豹”的邹显卫,现年40岁,1963年生于大连市金州区,别看已被押上审判台的他头发已经灰白,双手被铐在背后,背部向前微驼,脚上戴着镣铐、步履艰难,但据说他过去可是个高大剽悍、凶残好斗的主儿,因而被人送以“虎豹”的绰号。1979年9月,16岁的邹显卫因持刀伤人被劳教两年;1983年4月,邹显卫又因流氓罪被当时的大连市金县法院判处有期徒刑两年。  二十世纪八十年代中后期,出狱后的邹显卫在刚刚兴建起的大连经济技术开发区开办了一家名为“一步天”的歌舞厅。歌舞厅为他带来了滚滚钱财。他又投资开办其他的娱乐餐饮项目,生意越做越大,不到十年,他已拥有了上千万的资产。早在“一步天”歌舞厅开张伊始,邹显卫就将一大批流氓地痞网罗到他的麾下,为他充当打手,日久天长,他手下的“人马”越聚越多,一个带有黑社会性质的流氓团伙就此形成,在大连、金州、开发区的黑道上占据了一席之地。  1992年10月19日,邹显卫纠集7个同伙,手持猎枪、藏刀、木棒与高福崇、常福胜团伙发生黑吃黑打斗火并,邹显卫持猎枪朝高福崇连开两枪,致高福崇因左腿动脉静脉破裂、急性大出血不止死亡。常福胜也在火并中被打成重伤。邹显卫见势不妙,匆忙逃到国外躲避,后因语言不通、生活不适应,一年后又偷偷潜回大连,1994年3月,警方抓获了邹显卫,Supra Chaussure。  在押期间,邹显卫向看守所的管教检举了同监室羁押的另一犯罪嫌疑人有更深的案底,经警方查证属实,警方循此线索破获了一起大案。后来,大连市中级人民法院在审理邹显卫杀人一案时,对他的检举揭发重大立功表现予以认定,但同时认为,邹显卫致人伤亡的枪支下落不明,他没有如实交代,说明其没有真正的悔意,故不能减轻处罚。  1995年4月,大连市中级人民法院以故意杀人罪、流氓罪、非法拘禁罪判处邹显卫死刑,剥夺政治权利终身。邹显卫不服一审判决,上诉至辽宁省高院。为了能让他活命,邹显卫的余党四处活动,买通了某些官员为邹说话,www.chaussurenikedunk.com。  1995年11月6日,辽宁省高院对邹的上诉案做出终审判决认为,一审判决事实清楚,证据确凿、定罪准确、审判程序合法。但鉴于邹检举揭发他人的犯罪行为、破获了一起重大案件属重大立功,应依法从轻处罚,故改判邹显卫死刑缓期二年执行,剥夺政治权利终身。“虎豹”邹显卫在地狱的门口把命拣了回来。  铁窗内设套间任逍遥拿下女狱警  按照终审判决的要求,邹显卫应立即押往辽宁省瓦房店监狱服刑。但当时邹因结核病正在大连监狱医院住院,没有立即到瓦房店服刑。  为留在当地,以便争取到进一步的关照,邹通过关系和大连监狱狱政处副处长杨福玉接上了头。邹向杨福玉透露了欲留在大连监狱服刑的想法。杨说只有监狱长谢红军有权决定此事。在邹的再三央求下,杨答应给邹和监狱长谢红军牵个线。  几天后,邹显卫向杨福玉介绍了一位做老板的朋友,这位老板在杨福玉的引荐下认识了谢红军。在一次酒宴席间,这位老板塞给貌似冷淡的谢红军5000元人民币,以此来投石问路,谁知谢红军竟爽快地收下了,并马上投桃报李,派狱政处副处长杨福玉去辽宁省监狱管理局等部门,办理将邹显卫的服刑地点转到大连监狱的手续。  1996年4月3日,邹显卫如愿以偿地转到了大连监狱。入大连监狱的次日,邹显卫和其妻子及那个老板朋友,在大连一著名的大酒店摆下答谢宴,专门宴请杨福玉和监狱长谢红军。在美味、酒精和金钱的驾驭驱使下,监狱长谢红军似乎忘记了自己的身份,与邹显卫这个阶下囚兄弟相称,觥筹交错。  入狱后不久,杨福玉就捎话过来,说监狱长谢红军从外地调来时间不长,当时还没有房子住,请邹显卫帮助解决。邹哪敢怠慢,立刻打电话给那位老板朋友。这位朋友立马东奔西走,找到了一处离大连监狱不远的一套80多平方米的楼房,并花钱给简单地装修了一番。但谢红军看了房子之后对装修不太满意,邹的老板朋友马上又加了两倍的装修费对此房进行精装,最终总算满足了谢红军的贪欲。  如此一来,邹显卫在谢红军心目中的分量就变得举足轻重起来。邹显卫在大连监狱图谋得到特别关照的欲求,谢红军在“知恩图报”中也一点点地给予满足。  1996年秋天,为改善财源紧张的状况,大连监狱成立了一个公司,后改为监狱四大队。公司刚刚成立,谢红军就将邹显卫调了去,任命其为劳改基建委员会主任,主管公司的业务。邹显卫利用他在社会上经商多年、结交甚广的优势,仅仅用电话联系就在狱中为大连监狱揽到了不少活儿。“虎豹”邹显卫的身份地位在谢红军和犯人们心目中就更加高了一截。邹显卫甚至可以经常与谢红军在一起吃吃喝喝,称兄道弟,还可以开着谢红军的奔驰车随意进出监狱。更有甚者,不仅邹显卫的妻子孩子可以随时到监狱来探望他,就是社会上的卖淫女,邹也能一个电话召来,用谢红军的奔驰车接送,随便出入监狱,供邹嫖宿、满足他的兽欲。  1997年春节前,已久未见大笔外来横财的大连监狱长谢红军,又把邹显卫叫到面前,找了个借口又向邹显卫要压岁钱、“活命钱”,邹显卫心领神会,次日就将10万元钱偷偷交给了谢红军。谢红军照收不误,还拍胸脯、说他十分领情,以后有事可以直接找他!  监狱长谢红军是如此许诺的、也是那么做的。在谢的授意下,大连监狱很快就在大墙内的偏僻一角腾出一处远离普通牢房的、独门独院的两室套房,客厅、卧室各一间,专供邹显卫一个人在此居住。这哪里是牢房,分明是一处稍次于高级酒店客房的世外桃圆!在邹显卫的个人卧室内,沙发、彩电、冰箱、空调、VCD和外线电话等应有尽有。不仅如此,邹显卫的卧室内还安着一个叫人的电钮,只要邹一按电钮,隔壁房间里的两个作为邹的勤杂员的犯人(一个是少年犯、一个是强奸犯)就应声过来听邹的差遣;就连监狱的干警也经常给邹显卫买粮买菜。  服侍邹的回报是:两个犯人可以不用参加其他劳动改造,邹对二犯的服侍比较满意,大连监狱就给二犯记功、减刑;那些狱警因对邹比较“友好”,也或多或少从邹那里得到了种种好处。  而大连监狱对付大墙外的监督检查的手段是:遇有检察院、司法局、政法委和人大等部门要来人时,狱警会立即给邹显卫报信,并将邹马上安排到普通牢房里,对上汇报一切正常。就这样,邹显卫在大连监狱内外逍遥了几年有余。  邹显卫在狱中霸气十足,俨然一个牢头老大。邹经常随意打骂、体罚其他犯人,新进来的犯人都必须来拜见这个监狱中的老大,不懂此规矩、不来表示臣服的,就必定会吃苦头。邹显卫称王称霸、给臣服的犯人的回报是:他可以代为办理减刑、假释、保外就医和异地关押等,条件是交钱即可。邹代办这些手续十拿九稳,在邹显卫自己被保外就医前的几年内,他共为数十名犯人代办了此类手续。  对于如此“有能力”、如此“特殊”、如此“风流倜傥”的犯人,大连监狱内一位女狱警甚至不顾自己是有夫之妇、已为人母,荒唐地坠入了邹显卫的情网,成了邹召之即来、共享鱼水之欢的铁杆情妇。  为减刑编报立功材料“特殊享受”到极至  邹显卫在狱中享受的待遇已到了登峰造极的程度,1997年的7月,邹显卫又向监狱长谢红军提出减刑要求。  谢红军岂敢不答应邹的要求,他找来副监狱长汪永明、狱政处副处长杨福玉和邹显卫所在监区的大队长于景波等人开会研究如何帮邹显卫减刑。直接主管邹显卫的大队长于景波受命,仅用一夜时间就为邹伪造了齐备的服刑表现考核、立功表现等材料。其中一份立功表现的材料编造了邹显卫在1997年5月5日狱中车间着大火时,奋不顾身,带领犯人奋力扑灭大火,nike air force one,避免了重大损失等等谎言。实际上狱中确实着过那么一场大火,但当时邹显卫根本不在监狱内,他正在大连市内潇洒呢。立功表现材料还称:由于表现突出,该犯1996年被表扬三次,记功一次,年底被评为改造积极分子。1997年被表扬两次,记功两次,记大功两次……  1997年11月,谢红军派人将编造好的邹显卫减刑申报材料送呈辽宁省监狱管理局。在谢红军的极力“推荐”下及与某些官员疏通后,邹显卫不仅如愿地于1997年12月10日被批准由死缓减刑为服刑17年,还因他的“立功表现”被评为辽宁省劳改积极分子,这为其后的减刑又埋下了伏笔。  作为对谢红军“救命之恩”的回报,1998年春节前,邹显卫在监狱外、大连市内一著名酒店设宴款待谢红军,并在席间将装有10万元人民币的两个纸袋塞给谢红军。  此后,邹显卫走出监狱的次数更加频繁,但谢红军对邹在社会上胡作非为之事不管不问,听之任之,只要邹向自己交上可观的“保护费”,谢就任凭邹肆意妄为。  1999年春节前,谢红军给在狱外的邹打电话,以暗示方式索取“保护费”。邹显卫约谢红军到大连开发区的一家星级酒店,二人酒酣耳热之时,邹拱手奉上两纸袋共计人民币15万元的“贡银”,谢红军照单全收。此后,谢红军又授意大连监狱有关人为邹编造争取考核加分的材料,给邹申报省劳改积极分子。辽宁省监狱管理局认可了邹的考核材料,批准邹为省劳改积极分子。  此后的1999年3月,邹显卫又获得减刑1年零11个月的“奖赏”,服刑时间又从17年减到15年。  而邹显卫早在1998年10月前后,就在监狱外结识了于政龙等人,由于政龙把那些两劳释解人员、地痞流氓、混混、立棍者招至麾下,在邹显卫的老“地盘”上为非作歹,寻衅滋事,敲诈勒索,逐渐演变成涉黑的暴力团伙,团伙成员由几人、几十人发展至上百人之多,他们统一着装、集中居住,经常在大连市内、开发区和金州区内的娱乐、生产经营场所招摇出没,立棍称霸,收取保护费。认识“虎豹”的人发现他杀了人没判死刑,反倒可以从监狱里随便出来,知道其绝非好惹之辈,在司法界不知会有多深厚的背景,所以,“虎豹”及其团伙所到之处提什么要求都无人敢拒绝。“虎豹”要利用酒店的客房干些非法的勾当,酒店都不敢收费。“虎豹”邹显卫甚至在一五星级酒店长期霸占一间客房“免费”使用。  保外就医酿血案“严打”再落网  尽管邹显卫频繁出入监狱如履平地,但他的身份毕竟仍是犯人,时不时地还要回监狱里应付一下。而十多年漫漫刑期不知何时是尽头,他要“彻底自由”,他要不受任何限制地回到社会,领着他的那些小兄弟大干一场。为此,他向监狱长谢红军进一步提出了保外就医的要求。  谢红军对邹的如此过分、苛刻的要求没有拒绝,又召集汪永明、杨福玉、于景波商量,如何才能使邹的愿望得偿。最后几人达成一致,只有说邹得了精神病才能达到目的。  谢红军这边指点邹显卫在监狱里装疯卖傻,拉出一副见人就要杀要剐的架势;那边又派人在大连市内某医院找到一位患脑瘤病的患者,由该患者代替邹显卫拍了脑部核磁共振的片子,大连监狱就依据这张张冠李戴的片子谎报邹显卫患有脑瘤。  1999年10月,副监狱长汪永明亲自到辽宁省监狱管理局为“虎豹”邹显卫申报保外就医。省监狱管理局以没有司法鉴定为由拒批。谢红军闻讯后,买通辽宁省某精神病医院的医生,终于拿到了“颅脑外伤性精神病,暂无服刑能力”的司法鉴定结论。  1999年11月22日,大连监狱以“邹显卫患脑肿瘤、拟决定保外就医”为由向大连市南关岭地区检察院发去请示函,同时提供了邹的有关医疗、鉴定材料。南关岭检察院提出要对邹显卫进行脑部核磁共振复检。谢红军为此立即指令邹显卫马上疏通南关岭检察院的关系。1999年12月3日,邹显卫的一个朋友出面,以2万元买通了南关岭检察院的检察长董吉运。  1999年12月8日,南关岭检察院没给邹显卫的脑部做复检,就委托大连市检察院技术处根据大连监狱提供的有关邹显卫的病情资料进行法医鉴定,并依据“邹显卫患有脑肿瘤”的法医鉴定结论,于1999年12月15日向大连监狱出具了“同意邹显卫保外就医”的书面意见。此后,谢红军派人把以上所有证明材料送呈辽宁省监狱管理局,并顺利得到“批准邹显卫保外就医”的批文。2000年3月21日,邹显卫获准出监“保外就医”。  2000年4月7日中午,“虎豹”邹显卫率几十位“小兄弟”,乘多辆出租车杀向大连开发区维也纳洗浴中心,在与另一团伙遭遇交手时,邹显卫持猎枪向人连开两枪,致一人死亡、一人重伤。  邹显卫见势不妙,更名改姓,便衣简从,在金州等地躲藏起来;于政龙等团伙头目、骨干逃到辽宁庄河等地躲藏。直到10多个月后的2001年初,在全国声势浩大的严打整治斗争中,公安机关才抓获了邹显卫、于政龙等人。  累累血案牵出一大串贪婪腐败司法人员  2001年3月,大连市中级人民法院判决邹显卫死刑立即执行。2001年4月,最高人民检察院副检察长赵宏到沈阳视察,闻听“虎豹”一案详情后拍案而起:“马上到大连去,nike dunk prix,刀下留人,这个‘虎豹’现在不能杀,要彻底查清此案背后的东西!”  辽宁省检察院的办案人当即赶往大连,于当晚就提审了“虎豹”邹显卫。邹回答办案人的只有一句话:“要想让我开口,就从这儿把我带走。”  由于法院已给邹显卫下达了执行死刑的通知,案情十分紧急,办案人当夜就马不停蹄地返回沈阳,向领导做了汇报。次日,中共辽宁省委主管政法的领导出面协调,“虎豹”才被从大连押解到了沈阳。  在“虎豹”邹显卫涉嫌组织黑社会团伙等罪名的案件审理过程中,一并揭露出谢红军、汪永明、杨福玉、于景波、董吉运等一大串贪婪腐败的司法工作人员、官员。  2003年8月18日上午,在沈阳市中级法院对谢红军等三人开庭审理的法庭上,原辽宁省大连监狱监狱长谢红军、副监狱长汪永明、四监区监区长于景波站在了被告席上,他们本来是管理罪犯的,如今却自己成了罪犯,这一结局令人深思。  据悉,检察机关共控诉谢红军5项罪名:徇私舞弊减刑、暂予监外执行罪、失职致使在押人员脱逃罪、受贿罪、行贿罪和挪用公款罪。检察机关还控诉汪永明犯徇私舞弊减刑、暂予监外执行罪、失职致使在押人员脱逃罪和受贿罪;控诉于景波犯徇私舞弊罪、失职致使在押人员脱逃罪、受贿罪和贪污罪。千龙新闻网・王辉

  全国人大代表南英表示,死刑是剥夺犯罪分子生命的最严厉的刑罚,重庆人大常委会推行立法助理制度 提高立法质量-法律教。人民法院适用死刑,必须慎之又慎,绝对不允许出错。最高法院收回死刑核准权,对于严格控制死刑适用、统一死刑适用标准、落实宪法保障人权的规定无疑具有重要作用,但同时也对全国刑事审判工作提出了新的挑战和更高的要求。
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  审判委员会制度是我国司法制度的一大特点。多年来,审判委员会在总结审判经验、解决重大疑难案件、统一司法标准、保证办案质量、实现司法公正以及抵御不良司法环境对公正司法的干扰等方面发挥了重要作用,new balance 1063
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Remember this only makes sense if you start from the bottom.....nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;Etsy is also a good network tool. even if you dont' sell anything, lots of tips, workshops, community newsnbsp;talkcraftsnbsp;-2:02 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;Great chat everyone! CYA next week!nbsp;TalkCraftsnbsp;-2:02 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Yes! And I try to send out reminders RTGuiltyCrafter: Sonbsp;talkcraftsnbsp;is every Monday at 1 pm EST?talkcraftsnbsp;-2:01 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;haha.. it is 2pm, so technically chat is over now, but feel free to keep talking... =)nbsp;talkcraftsnbsp;-2:01 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;Sonbsp;talkcraftsnbsp;is every Monday at 1 pm EST?nbsp;-2:01 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;CousinCorpnbsp;tee hee ...talkcraftsnbsp;-2:01 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;RTnbsp;Creatingthehive: haha! We rock... lol RTCousinCorp: Trying to leave but the convo is always just too Good!nbsp;TalkCraftsnbsp;-2:00 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;RTnbsp;CousinCorp: Trying to leave but the convo is always just too Good!nbsp;TalkCraftsnbsp;-2:00 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;haha! We rock... lol RTnbsp;CousinCorp: Trying to leave but the convo is always just too Good!nbsp;talkcraftsnbsp;-2:00 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;RTnbsp;Creatingthehive: thnks 4chat! RTnbsp;CousinCorp: Got 2run Yall! Dont forget weekly FB giveaway on Wed! we give away a lot of jewelry supplies :-)nbsp;talkcraftsnbsp;-2:00 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;GuiltyCrafter: You have to find that sweet spot between quot;I can make thatquot; amp; quot;I could make that but theirs is cuter/betterquot;nbsp;talkcraftsnbsp;-2:00 PM Oct 24th,UGG, 2011nbsp;nbsp;CousinCorpnbsp;Trying to leave but the convo is always just too Good!TalkCraftsnbsp;-2:00 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;so glad I didn't miss the whole chat! we r all in this together :)nbsp;talkcraftsnbsp;-2:00 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;Sing it, sister! RTnbsp;Creatingthehive: I used 2 have a sign, quot;Sure you can make it, but will you?quot; in my crafting boothstalkcraftsnbsp;-1:59 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;RTnbsp;Creatingthehive: I used 2 have a sign that read, quot;Sure you can make it, but will you?quot; in my crafting boothsTalkCraftsnbsp;-1:59 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Love it! RTnbsp;Creatingthehive: I used 2 have a sign that read, quot;Sure you can make it, but will you?quot; in my crafting boothsTalkCraftsnbsp;-1:59 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I used 2 have a sign that read,www.moncler-paschere.net, quot;Sure you can make it, but will you?quot; in my crafting boothsnbsp;talkcraftsnbsp;-1:58 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;GuiltyCrafter: Agreed- that shows in your work, I think. RTnbsp;KayTeeinVA: dont compare to other people - just do your thingnbsp;talkcraftsnbsp;-1:58 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;KayTeeinVA:nbsp;GuiltyCrafternbsp;dont compare to other people - just do your thing.talkcraftsnbsp;talkcraftsnbsp;-1:57 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;RTnbsp;GuiltyCrafter: u hv 2 fnd sweet spot btwn quot;I can make thtquot; amp; quot;I could make tht but theirs is cuter/betterquot;talkcraftsnbsp;etsynbsp;TalkCraftsnbsp;-1:57 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;AWESOME RTnbsp;KayTeeinVAyep. in the begining my glases were cheap didnt sell. i raised the price 3x and they havent stoped selingnbsp;TalkCraftsnbsp;-1:57 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;RTnbsp;Creatingthehive: RTnbsp;CousinCorp: make sure to Catorgorize and you will have a better chance to attract more peoplenbsp;talkcraftsnbsp;-1:57 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;KayTeeinVA:nbsp;CynGagennbsp;crafters are the most loving sharing and caring i have found over the past 11 yrstalkcraftsnbsp;-1:57 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;i had mine empty 4 2 yrs! ... just recently put stuff in there - OPEN ONE UP! LOLnbsp;talkcraftsnbsp;-1:57 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;funny how that works, huh? RTnbsp;KayTeeinVA: in begng my glasses were chp didnt sell. i raised price 3x amp; they havent stpped sllngnbsp;talkcraftsnbsp;-1:57 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;CynGagennbsp;crafters are the most loving sharing and caring i have found over the past 11 yrsnbsp;talkcraftsnbsp;-1:56 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;Agreed- that shows in your work, I think. RTKayTeeinVA:nbsp;GuiltyCrafternbsp;don't compare to other people - just do your thing.talkcraftsnbsp;-1:56 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;Got to run Yall! Don't forget our weekly FB giveaway on Wed! we give away a lot of jewelry supplies :-)nbsp;TalkCraftsnbsp;-1:56 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;GuiltyCrafternbsp;don't compare to other people - just do your thing.talkcraftsnbsp;-1:56 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;You have to find that sweet spot between quot;I can make thatquot; and quot;I could make that but theirs is cuter/betterquot;talkcraftsnbsp;etsynbsp;-1:56 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;woot! RTnbsp;CynGagen: I just love these chats! You are all so supportive and uplifting! And I always learn so much!talkcraftsnbsp;-1:55 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Etsynbsp;RTnbsp;KayTeeinVA:nbsp;GuiltyCrafterCynGagennbsp;I dont think you do, each shop reflects you so if u r eclectic, so is your shopnbsp;talkcraftsnbsp;-1:55 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;yep. in the beginning my glasses were cheap didn't sell. i raised the price 3x and they haven't stopped selling.talkcraftsnbsp;-1:55 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;I just love these chats! You are all so supportive and uplifting! And I always learn so much!nbsp;TalkCraftsnbsp;-1:55 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;CousinCorp: make sure to Catorgorize and you will have a better chance to attract more peoplenbsp;talkcraftsnbsp;-1:55 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;commitment is why I don't have an etsy shop... I'm not sure I'm ready to quot;go therequot; yet. I need to minimize commitments nownbsp;talkcraftsnbsp;-1:55 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;No niche needed! Just make sure to Catorgorize and you will have a better chance to attract more peoplenbsp;TalkCraftsnbsp;-1:54 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;GuiltyCrafternbsp;CynGagennbsp;I dont think you do, each shop reflects you so if u r eclectic, so is your shopnbsp;talkcraftsnbsp;-1:54 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;ditto! RTnbsp;GuiltyCrafter: Thats your niche! RTCynGagen: I kept hearing you need a quot;nichequot; on Etsy - Im SO eclectic!nbsp;talkcraftsnbsp;-1:54 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;GuiltyCrafternbsp;good point! thanks!nbsp;TalkCraftsnbsp;-1:54 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;amp; if expensive it's better lol.. RTnbsp;KayTeeinVAthat true. they think if its free something is wrong with it. LOLtalkcraftsnbsp;-1:54 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;That's your niche! RTnbsp;CynGagen: I think my other concern was that I kept hearing you need a quot;nichequot; on Etsy - I'm SO eclectic!nbsp;TalkCraftsnbsp;-1:53 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;LOL RTnbsp;Creatingthehive: Trouble (with a capital T) RTCynGagen: what have i gotten myself into? lolnbsp;TalkCraftsnbsp;-1:53 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;I think my other concern was that I kept hearing you need a quot;nichequot; on Etsy - I'm SO eclectic!nbsp;TalkCraftsnbsp;-1:53 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;wish I had a photo of it. RTnbsp;CynGagen: Yes I want to hear it! RTnbsp;Creatingthehive: maybe I should do a blog on the quot;pig spoonquot;nbsp;talkcraftsnbsp;-1:53 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;Yes- PUT A PRICE ON! . Dislike no-price booths. RTCreatingthehive: friend once told me to put a price on it amp; it will sell.nbsp;talkcraftsnbsp;-1:53 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Troube (with a capital T) RTnbsp;CynGagen: now im being held accountable....what have i gotten myself into? loltalkcraftsnbsp;-1:53 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;We've got our eyes on you. RTnbsp;CynGagen: Ok making a comtmnt w u as my witnesses....opning up Etsy shop by end of week!!! :)nbsp;talkcraftsnbsp;-1:52 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;Creatingthehivenbsp;You should!nbsp;TalkCraftsnbsp;-1:52 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Yes I want to hear it! RTnbsp;Creatingthehive: maybe I should do a blog on the quot;pig spoonquot;nbsp;TalkCraftsnbsp;-1:52 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;that true. they think if its free something is wrong with it. LOLnbsp;talkcraftsnbsp;-1:52 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;now i'm being held accountable....what have i gotten myself into? lolnbsp;TalkCraftsnbsp;-1:52 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;Best advice seen yet; Have 50 items to open your shop, Helps increase traffic and cater to more peoplenbsp;TalkCraftsnbsp;-1:52 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;maybe I should do a blog on the quot;pig spoonquot;talkcraftsnbsp;-1:52 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;friend once told me to put a price on it and it will sell. Someone always wants it. It did - funny quot;pig spoonquot; storytalkcraftsnbsp;-1:51 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Ok making a commitment with you as my witnesses....opening up Etsy shop by end of this week!!! :)TalkCraftsnbsp;-1:51 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;CynGagennbsp;Don't Doubt yourself!nbsp;TalkCraftsnbsp;-1:51 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;CynGagennbsp;Creatingthehivenbsp;you would be surprised and its no cost to open and CHEAP to list itemsnbsp;talkcraftsnbsp;-1:50 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;thanks! RTnbsp;GuiltyCrafter: If youre making small-ish crafts - submit them to these 2 fun art calls: PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;Agreed. RTnbsp;KayTeeinVA:nbsp;CreatingthehiveCynGagennbsp;DITTO - open that shop !talkcraftsnbsp;-1:50 PM Oct 24th, 2011nbsp;nbsp;condobluesnbsp;Creatingthehivenbsp;How about testing etsy waters by doing a craft show? Consigning to a shop likenbsp;WhollyCraftnbsp;1st?talkcraftsnbsp;-1:50 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;CynGagennbsp;Thanks for a great Chat!nbsp;TalkCraftsnbsp;-1:50 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;OOh I know that 1. RTnbsp;CynGagen: an quot;I dont know if Im good enough kind of thingquot;. Afraid Ill open store amp; nothing will sell.nbsp;talkcraftsnbsp;-1:50 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;CynGagennbsp;DITTO - open that shop !talkcraftsnbsp;-1:50 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;later! RTnbsp;CynGagen: LOL RTnbsp;winslowwoman: Got to run doggies need out and mod needs podging..byeetalkcraftsnbsp;-1:49 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;hahah! RTnbsp;CynGagennbsp;playing with Cloud Clay right now. says it will bounce - can u guess what Im really wanting 2do right now?nbsp;talkcraftsnbsp;-1:49 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;LOL RTnbsp;winslowwoman: Got to run doggies need out and mod needs podging..byeenbsp;TalkCraftsnbsp;-1:49 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Creatingthehivenbsp;it's an quot;I don't know if I'm good enough kind of thingquot;. Afraid I'll open the store and nothing will sell.nbsp;TalkCraftsnbsp;-1:49 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;GuiltyCrafter: making small-ish crafts amp; dont know what 2do w them- submit them 2these 2 fun art PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Got to run doggies need out and mod needs podging..byeenbsp;talkcraftsnbsp;-12:56 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;I'm playing with Cloud Clay right now. It says it will bounce - can you guess what I'm really wanting to do right now?TalkCraftsnbsp;-1:48 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I'm shocked! RTnbsp;CynGagen:nbsp;Creatingthehivenope....i need to open an Etsy shop!!! Dont have one yet.talkcraftsnbsp;-1:48 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;If you're making small-ish crafts amp; don't know what to do wtih them- submit them to these 2 fun art calls: PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I'll post on my blog tonight. RTnbsp;GuiltyCrafter: intrigued- photos? RT Ive turned my matchstick blinds in2 pegboard 4sm art -nbsp;talkcraftsnbsp;-1:47 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Creatingthehivenbsp;nope....i need to open an Etsy shop!!! Don't have one yet.nbsp;TalkCraftsnbsp;-1:47 PM Oct 24th, 2011nbsp;nbsp;condobluesnbsp;Northernlodgenbsp;KayTeeinVAnbsp;can you believe a previous renter left those sweet wood crates BEHIND? Clearly they are crazynbsp;talkcraftsnbsp;-1:47 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;you have a store though, right? RTnbsp;CynGagen: I have a whole bin filled with things Ive made but dont know what to do with lol.nbsp;talkcraftsnbsp;-1:46 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Great idea! RTnbsp;CousinCorp: Honestly Velcro and small canisters are a big part of the craft room wallnbsp;TalkCraftsnbsp;-1:46 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;CynGagennbsp;Creatingthehivenbsp;use them as giveaways, list on etsy or dismantle and repurpose componentstalkcraftsnbsp;-1:46 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;intrigued- photos? RTnbsp;Creatingthehive: I've turned my matchstick blinds into a pegboard for small art -nbsp;talkcraftsnbsp;-1:46 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;GuiltyCrafter: all about the rainbow ordered glass jars 4ribbon amp; embellishments. Harkens back 2 my other obsession- candy.nbsp;talkcraftsnbsp;-1:46 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;RTnbsp;Creatingthehive: Ive turned my matchstick blinds into a pegboard for small art - binder clips and paper clips to hold thingsnbsp;TalkCraftsnbsp;-1:46 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;RTnbsp;Creatingthehive: RTnbsp;CousinCorp: Honestly Velcro and small canisters are a big part of the craft room walltalkcraftsnbsp;-1:46 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;RTnbsp;Creatingthehive: I've turned my matchstick blinds into a pegboard for small art - binder clips and paper clips to hold thingsnbsp;talkcraftsnbsp;-1:45 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Creatingthehivenbsp;I have a whole bin filled with things I've made but don't know what to do with lol.nbsp;TalkCraftsnbsp;-1:45 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I've turned my matchstick blinds into a pegboard for small art - binder clips and paper clips to hold thingstalkcraftsnbsp;-1:45 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Me too RTnbsp;Creatingthehive: sometimes I have the opp prob. I wnt to make something but dont know what I'd do w finished productnbsp;TalkCraftsnbsp;-1:45 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;nah - no guilt reqd RTnbsp;GuiltyCrafter: A little bit. Naturally this makes me feel guilty. RTnbsp;Creatingthehive: avoidance issues?nbsp;talkcraftsnbsp;-1:44 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;I'm all about the rainbow ordered glass jars for ribbon and embellishments. Harkens back to my other obsession- candy.talkcraftsnbsp;-1:44 PM Oct 24th, 2011nbsp;nbsp;Northernlodgenbsp;RTnbsp;Creatingthehive: love old suitcases amp; hatboxes RTnbsp;KayTeeinVA: and old suitcases and hatboxes and clear 4 drawer sets with wheelsnbsp;talkcraftsnbsp;-1:44 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;CousinCorp: Honestly Velcro and small canisters are a big part of the craft room wallnbsp;talkcraftsnbsp;-1:44 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;sometimes I have the opp prob though. I want to make something but don't know what I would do with finished productnbsp;talkcraftsnbsp;-1:44 PM Oct 24th, 2011nbsp;nbsp;Northernlodgenbsp;RTnbsp;Creatingthehive: great idea! RTnbsp;condoblues:KayTeeinVAnbsp;I repurposed wood fruit crates into craft room drawersnbsp; PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;Honestly Velcro and small canisters are a big part of the craft room wallnbsp;TalkCraftsnbsp;-1:44 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;RTnbsp;Creatingthehive: great idea! RTnbsp;condoblues:KayTeeinVAnbsp;I repurposed wood fruit crates into craft room drawersnbsp; PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;A little bit. Naturally this makes me feel guilty. RTCreatingthehive: avoidance issues? lol.nbsp;talkcraftsnbsp;-1:43 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;great idea! RTnbsp;condoblues:nbsp;KayTeeinVAnbsp;I repurposed wood fruit crates into craft room PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;CynGagennbsp;I stopped that. I make things for myself, for orders or swaps - nothing else and it saves time.talkcraftsnbsp;-1:43 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;KayTeeinVA:nbsp;Creatingthehivenbsp;then label the drawers ... easy to see supplies and re-org by just switching out drawersnbsp;talkcraftsnbsp;-1:43 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;avoidance issues? lol. RTnbsp;GuiltyCrafter: works in reverse- the more hsewrk I hve the more I wnt 2craft amp; vice-versa (kinda).nbsp;talkcraftsnbsp;-1:43 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;then label the drawers ... easy to see supplies and re-org by just switching out drawersnbsp;talkcraftsnbsp;-1:42 PM Oct 24th, 2011nbsp;nbsp;condobluesnbsp;KayTeeinVAnbsp;I repurposed wood fruit crates into craft room drawersnbsp; PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;craftmoorenbsp;;) (and hi!)nbsp;talkcraftsnbsp;-1:42 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;KayTeeinVA: i use an old computer desk for my crafts and sewing since the desk has 2 levelsnbsp;talkcraftsnbsp;-1:41 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;space, storage and accesiblity to most used suppliesnbsp;talkcraftsnbsp;-1:41 PM Oct 24th, 2011nbsp;nbsp;craftmoorenbsp;Feeling your quot;kinda!quot; RTnbsp;GuiltyCrafter: The more housework I have piled up, the more I want to craft. And vice-versa (kinda).nbsp;talkcraftsnbsp;-1:41 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;love old suitcases amp; hatboxes RTnbsp;KayTeeinVA: and old suitcases and hatboxes and clear 4 drawer sets with wheelsnbsp;talkcraftsnbsp;-1:41 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Yes! RTnbsp;Creatingthehive: Im trying to figure out how to mke things I want to make - not things I knw how to do to share them.nbsp;TalkCraftsnbsp;-1:41 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;melissamarronbsp;i use an old computer desk for my crafts and sewing since the desk has 2 levelsnbsp;talkcraftsnbsp;-1:41 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;That is what I usually do unless there is a swap I need to donbsp;talkcraftsnbsp;-1:41 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;condoblues: I do Slow Decorating. Revamp space project by project. Takes time but spreads out budget, design decsionsnbsp;talkcraftsnbsp;-1:40 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;KayTeeinVA:nbsp;Creatingthehivenbsp;utilize plastic drawers with wheels, it is helping me organize - the BIG 4 drawerstalkcraftsnbsp;-1:40 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;winslowwomannbsp;and old suitcases and hatboxes and clear 4 drawer sets with wheels - walmart always has themnbsp;talkcraftsnbsp;-1:40 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I'm trying to figure out how to make things that I really want to make - not things that I know how to do to share them.nbsp;talkcraftsnbsp;-1:40 PM Oct 24th, 2011nbsp;nbsp;condobluesnbsp;craftmoorenbsp;I do Slow Decorating. Revamp space project by project. Takes time but spreads out budget, design decsionsnbsp;talkcraftsnbsp;-1:40 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;It works in reverse- the more housework I have piled up, the more I want to craft. And vice-versa (kinda).nbsp;talkcraftsnbsp;-1:40 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I can see that. RTnbsp;CynGagen: I found I was making things that I thought I quot;shouldquot; to share them on show or blognbsp;talkcraftsnbsp;-1:39 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;utilize plastic drawers with wheels, it is helping me organize - the BIG 4 drawersnbsp;talkcraftsnbsp;-1:39 PM Oct 24th, 2011nbsp;nbsp;craftmoorenbsp;I've got quilts I started 5+ years ago... some just need to be quilted, but since they don't have a quot;homequot; there is no urgencynbsp;talkcraftsnbsp;-1:39 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;white noise RTnbsp;condoblues:nbsp;GuiltyCrafternbsp;I like to sew w/ TV on. Must inherited it from my mom. She taught me to sew age 5,ugg boots sale uk cheap!nbsp;talkcraftsnbsp;-1:39 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Now I'm trying to make the things i WANT to make amp; sharing those!nbsp;TalkCraftsnbsp;-1:39 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I've always wanted to try one, but know it will be unfinished. RTnbsp;winslowwoman: I have one quilt I just can seem to finishnbsp;talkcraftsnbsp;-1:39 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;I found I was making things that I thought I quot;shouldquot; to share them on show or blognbsp;TalkCraftsnbsp;-1:39 PM Oct 24th, 2011nbsp;nbsp;condobluesnbsp;GuiltyCrafternbsp;I like to sew w/ TV on. Must inherited it from my mom. She taught me to sew age 5!nbsp;talkcraftsnbsp;-1:38 PM Oct 24th, 2011nbsp;nbsp;AnswerIsChoconbsp;RTnbsp;Creatingthehive: RTnbsp;CynGagen: I start something amp; then gt inspired to do something else - back to first one but at times its domino effectnbsp;talkcraftsnbsp;-1:38 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;craftmoore: quot;Neverquot; is relative. Some take years... some just arent done YET. : ) RT do you find some never get done?nbsp;talkcraftsnbsp;-1:38 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;RTnbsp;CynGagen: Or I start something just for me but then have to abandon to work on things for my show or for someone elsenbsp;TalkCraftsnbsp;-1:38 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;CynGagen: I start something amp; then gt inspired to do something else - back to first one but at times its domino effectnbsp;talkcraftsnbsp;-1:38 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;RTnbsp;Creatingthehive: I tend to start one project and then find that I'm suddenly inspired to do another - then don't care about the firstnbsp;talkcraftsnbsp;-1:38 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;RTnbsp;Creatingthehive: hahah! RTnbsp;CousinCorp: What are these finished projects you speak of?:)nbsp;talkcraftsnbsp;-1:37 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;I have one quilt I just can seem to finishnbsp;talkcraftsnbsp;-1:37 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;condobluesnbsp;That's the point I start thinking, quot;I need to catch up on my shows...quot;nbsp;talkcraftsnbsp;-1:37 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Or I start something just for me but then have to abandon to work on things for my show or for someone elseTalkCraftsnbsp;-1:37 PM Oct 24th, 2011nbsp;nbsp;craftmoorenbsp;quot;Neverquot; is relative. Some take years... some just aren't done YET. : ) RTnbsp;Creatingthehive: do you find some never get done?nbsp;talkcraftsnbsp;-1:37 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;GREAT idea! RTnbsp;GuiltyCrafter: Sometimes I am so OVER a 1/2 finished project, I let my kids finish it.nbsp;talkcraftsnbsp;-1:37 PM Oct 24th, 2011nbsp;nbsp;condobluesnbsp;GuiltyCrafternbsp;I finished the first 8 pairs of holiday pjs last weekend. Knowing I have 7 more to go makes me tired too :)talkcraftsnbsp;-1:37 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Recycling them is a good plan RTnbsp;KayTeeinVA:CynGagennbsp;I have 4 right now ... 3 will be finished ... 1 will be recyclednbsp;talkcraftsnbsp;-1:37 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;LOL RTnbsp;KayTeeinVA: I have 4 right now ... 3 will be finished ... 1 will be recyclednbsp;TalkCraftsnbsp;-1:37 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;winslowwomannbsp;i always have a painting project and paper-scrap-mixed media proj going at the same timenbsp;talkcraftsnbsp;-1:37 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;Sometimes I am so OVER a 1/2 finished project, I let my kids finish it.nbsp;talkcraftsnbsp;-1:36 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;KayTeeinVAnbsp;Hi KayTeenbsp;talkcraftsnbsp;-1:36 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;I start something amp; then gt inspired to do something else - eventually I go back to first one but at times it's domino effectnbsp;TalkCraftsnbsp;-1:36 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;Even the ones that are finished, always seem to be revisted some point RTnbsp;Creatingthehive: do you find some never get done?nbsp;TalkCraftsnbsp;-1:36 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;hahah! RTnbsp;CousinCorp: What are these finished projects you speak of?:)nbsp;talkcraftsnbsp;-1:36 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;yesnbsp;talkcraftsnbsp;-1:36 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;CynGagennbsp;I have 4 right now ... 3 will be finished ... 1 will be recyclednbsp;talkcraftsnbsp;-1:36 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;makes sense RTnbsp;condoblues: Some of my projects need drying time, etc. Work on another while waiting for 1st to cure.nbsp;talkcraftsnbsp;-1:36 PM Oct 24th, 2011nbsp;nbsp;KayTeeinVAnbsp;Creatingthehivenbsp;yep ... the ones that dont get done are recycled into something else - sorry i am late :)nbsp;talkcraftsnbsp;-1:35 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;I seem to get them all finished about the same timenbsp;talkcraftsnbsp;-1:35 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I tend to start one project and then find that I'm suddenly inspired to do another - then don't care about the firsttalkcraftsnbsp;-1:35 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;Makes me tired just reading about it... RTcondoblues: 1/2 Halloween costume, 7 more pairs of holiday gift PJs.nbsp;talkcrafts.nbsp;-1:35 PM Oct 24th, 2011nbsp;nbsp;ACupOfSparklenbsp;A Cup Of Sparkle: How to make mosaic artwork with glassnbsp;talkcraftsnbsp; PM Oct 24th, 2011nbsp;nbsp;condobluesnbsp;Creatingthehivenbsp;Some of my projects need drying time, etc. Work on another while waiting for 1st to cure.talkcraftsnbsp;-1:34 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;So if we all have several (or more) projects brewing, started and unfinished - do you find some never get done?nbsp;talkcraftsnbsp;-1:34 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;condoblues:nbsp;GuiltyCrafternbsp;Creatingthehive1/2 Halloween costume, 7 more pairs of holiday gift PJs.talkcrafts.nbsp;talkcraftsnbsp;-1:34 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;lol RTnbsp;CynGagen: I cant count that high. RTCreatingthehive: Q3: How many unfinished projects do u have in your craft room?nbsp;talkcraftsnbsp;-1:33 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Ok, sounds like another common character trait 4 crafters RTnbsp;winslowwoman:nbsp;Creatingthehivenbsp;I work on several things at a timenbsp;talkcraftsnbsp;-1:33 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;CynGagennbsp;lolnbsp;talkcraftsnbsp;-1:33 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;lol... something tells me it really is RTGuiltyCrafter: A LOT. Q3: How many unfinished projects do u have in your craft rm?nbsp;talkcraftsnbsp;-1:32 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;I can't count that high. RTnbsp;Creatingthehive: Q3: How many unfinished projects do you have in your craft room?TalkCraftsnbsp;-1:32 PM Oct 24th, 2011nbsp;nbsp;condobluesnbsp;GuiltyCrafternbsp;Creatingthehivenbsp;1/2 Halloween costume, 7 more pairs of holiday gift PJs.nbsp;talkcrafts.nbsp;-1:32 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;love it! RTnbsp;craftmoore: One of my fave quotes: A creative mess is better than tidy idleness!nbsp;talkcraftsnbsp;-1:32 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;craftmoorenbsp;for surenbsp;talkcraftsnbsp;-1:32 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;Love it! RTnbsp;craftmoore: One of my fave quotes: A creative mess is better than tidy idleness!nbsp;TalkCraftsnbsp;-1:32 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;CousinCorp: GRT IDEA ~ We went Jackson Pollock on our Craft room floor AKA the garage. Helps hide EVERYTHINGnbsp;talkcraftsnbsp;-1:32 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;I work on several things at a timenbsp;talkcraftsnbsp;-1:31 PM Oct 24th, 2011nbsp;nbsp;craftmoorenbsp;One of my fave quotes: A creative mess is better than tidy idleness!nbsp;talkcraftsnbsp;-1:31 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;A LOT. RTnbsp;Creatingthehive: Q3: How many unfinished projects do you have in your craft room?nbsp;talkcraftsnbsp;-1:31 PM Oct 24th, 2011nbsp;nbsp;craftmoorenbsp;tee hee! RTnbsp;CousinCorp: What are these finished projects you speak of? RTnbsp;Creatingthehivenbsp;How many unfinished projectsnbsp;talkcraftsnbsp;-1:31 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;not me - I'm more creative in a messGuiltyCrafternbsp;Claydybug: I always fantasize that Ill b the 1st [neat crafter] some day.nbsp;talkcraftsnbsp;-1:30 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;What are these finished projects you speak of?:) RTCreatingthehivenbsp;How many unfinished projects do you have in your crft rm?nbsp;TalkCraftsnbsp;-1:30 PM Oct 24th, 2011nbsp;nbsp;craftmoorenbsp;Too many to count!! RTnbsp;Creatingthehive: Q3: How many unfinished projects do you havenbsp;talkcraftsnbsp;-1:30 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;hmm Ok, I don't feel so bad now! RTnbsp;Claydybug: Is there ever anything such as a neat crafter? :)nbsp;talkcraftsnbsp;-1:29 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;GRT IDEAnbsp;Creatingthehivenbsp;We went Jackson Pollock on our Craft room floor AKA the garage. Helps hide EVERYTHINGTalkCraftsnbsp;-1:29 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;winslowwoman:nbsp;Creatingthehivenbsp;right now I have fabric pumpkins amp; rolled roses and clothespins all stacked around me, scarynbsp;talkcraftsnbsp;-1:28 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;I always fantasize that I'll be the 1st some day... RTClaydybug: Is there ever anything such as a neat crafter? :)TalkCraftsnbsp;-1:28 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Same! RTnbsp;Creatingthehive: Im so glad 2hear Im not the only1. My craft space always look like an explosion hitTalkCraftsnbsp;-1:28 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Q3: How many unfinished projects do you have in your craft room? Do you work on multiples at a time or only 1?talkcraftsnbsp;-1:28 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Great idea RTnbsp;Creatingthehive: I also have a stained sisal rug that Im going to paint..if something spills, no big deal.TalkCraftsnbsp;-1:28 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;right now I have fabric pumpkins and rolled roses and clothespins all stacked around me, scarytalkcraftsnbsp;-1:28 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I also have a stained sisal rug from our staging company that I'm going to paint. Then if something spills, no big deal.nbsp;talkcraftsnbsp;-1:27 PM Oct 24th, 2011nbsp;nbsp;CrystalsCrochetnbsp;Me too. ldquo;Creatingthehive: I love Where Women Create for ideas on storage, decor and functionalitynbsp;talkcraftsnbsp;-1:27 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I'm so glad 2hear I'm not the only1. My craft space always look like an explosion hitnbsp;GuiltyCrafter: Im just a messy crafternbsp;talkcraftsnbsp;-1:26 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I plan on covering the top with decorative shelf paper to help make it clean off more easilynbsp;talkcraftsnbsp;-1:26 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;The usual. I'm just a messy crafter =) RTCreatingthehive: uh oh... what happened?nbsp;talkcraftsnbsp;-1:25 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Sue just brought home an old table we never refinished at [staging] office - now I'm going to repaint amp; use 4 craftingnbsp;talkcraftsnbsp;-1:25 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;At home our old Dinning room table was retired to the craft room to become the craft table! And we still need more space :-)nbsp;TalkCraftsnbsp;-1:25 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;uh oh... what happened? RTnbsp;GuiltyCrafter: I had a craftav-alanche in my craft space so now Im at the dining room table 4 awhilenbsp;talkcraftsnbsp;-1:25 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;CynGagen: I think my paint caddies r what I need most - keeps paints sorted by color, room for my brushes, mediums, palettesnbsp;talkcraftsnbsp;-1:24 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;I had a craftav-alanche in my craft space so now I'm at the dining room table for awhilenbsp;talkcraftsnbsp;-1:24 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;CrystalsCrochetnbsp;lol... I was trying to crochet last night... let's just not talk about it... lol. I need serious help... lol.talkcraftsnbsp;-1:24 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;Holy beads!! wow!!nbsp;talkcraftsnbsp;-1:24 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;CrystalsCrochet:nbsp;Creatingthehivenbsp;comfy chair, good lighting, music for mynbsp;crochet.nbsp;talkcraftsnbsp;-1:23 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;I can just grab and go!nbsp;TalkCraftsnbsp;-1:23 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;A2 I think my paint caddies are what I need most - keeps paints sorted by colour, room for my brushes, mediums, palettesnbsp;TalkCraftsnbsp;-1:23 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Nice! RTnbsp;CynGagen: hey its a double car garage converted to workshop with heat/ac and great lighting...and its all mine now lolnbsp;talkcraftsnbsp;-1:23 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;the tackle box has all kinds of compartments that the cards fit into perfectlynbsp;talkcraftsnbsp;-1:23 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Tackle boxes are such great craft storage RTwinslowwoman: for the embroidery threads it is a huge tackle boxnbsp;talkcraftsnbsp;-1:23 PM Oct 24th, 2011nbsp;nbsp;CrystalsCrochetnbsp;Creatingthehivenbsp;comfy chair,ugg boots, good lighting, music for mynbsp;crochet.nbsp;talkcraftsnbsp;-1:23 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;wowsers! RTnbsp;CousinCorp: This is part of our Bead Librarynbsp; PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;CynGagennbsp;cool!nbsp;talkcraftsnbsp;-1:22 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;for the embroidery threads it is a huge tackle boxnbsp;talkcraftsnbsp;-1:22 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Creatingthehivenbsp;hey it's a double car garage converted to workshop with heat/ac and great lighting...and it's all mine now lolnbsp;TalkCraftsnbsp;-1:21 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;lol... oopsy? RTnbsp;winslowwoman:Creatingthehivenbsp;yes looked like fairy dust all over as it was pink glitternbsp;talkcraftsnbsp;-1:21 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;This is part of our Bead Librarynbsp; PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;is it a custom thread container or just box? RTwinslowwoman:nbsp;Creatingthehivenbsp;a container for my threads all kinds of threadsnbsp;talkcraftsnbsp;-1:21 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;A2: I really require a great work surface. I don't mind piles of stuff all around the room when I'm in the zone.talkcraftsnbsp;-1:21 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;yes looked like fairy dust all over as it was pink glitternbsp;talkcraftsnbsp;-1:21 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;a container for my threads all kinds of threadsnbsp;talkcraftsnbsp;-1:20 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;lol... RTnbsp;CousinCorp: :-D RTnbsp;CynGagen: I cant wait until my exs workshop becomes my studio!!!nbsp;talkcraftsnbsp;-1:20 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Oh no! That cannot be good. RTnbsp;winslowwoman: hubby turned the fan on the other day as I was using ultra fine glitternbsp;talkcraftsnbsp;-1:20 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;The, uh, guy with a blue shirt-? RTnbsp;CousinCorp: What character from Minecraft? Maybe a creeper?nbsp;TalkCraftsnbsp;-1:19 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;no problem... nice to see you! RTnbsp;GuiltyCrafter: Oopsies- 1 questions behind =)nbsp;talkcraftsnbsp;-1:19 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;:-D RTnbsp;CynGagen: I cant wait until my exs workshop becomes my studio!!!nbsp;TalkCraftsnbsp;-1:19 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;woot! RTnbsp;GuiltyCrafter: I have all the compents in place to start my sons Minecraft costume.nbsp;talkcraftsnbsp;-1:19 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;yay!! RTnbsp;winslowwoman:nbsp;CousinCorpnbsp;I should have it all done by Spring, starting to move into the new 5th wheel nownbsp;talkcraftsnbsp;-1:19 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;What character from Minecraft? Maybe a creeper? RTGuiltyCrafter: I have all the compents in place to start my sonscostume.nbsp;TalkCraftsnbsp;-1:19 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;hubby turned the fan on the other day as I was using ultra fine glitternbsp;talkcraftsnbsp;-1:19 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Q2: What's the one storage item you would be lost without in your craft room?nbsp;talkcraftsnbsp;-1:19 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;Oopsies- 1 questions behind =)nbsp;talkcraftsnbsp;-1:19 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;CousinCorpnbsp;I should have it all done by Spring, starting to move into the new 5th wheel nownbsp;talkcraftsnbsp;-1:18 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;I can't wait until my ex's workshop becomes my studio!!!nbsp;TalkCraftsnbsp;-1:18 PM Oct 24th, 2011nbsp;nbsp;GuiltyCrafternbsp;I have all the compents in place to start my son's Minecraft costume.nbsp;talkcraftsnbsp;-1:18 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I have a ceiling fan in my craft room now and it makes me crazy - always moving my stuff around while I'm working... lolnbsp;talkcraftsnbsp;-1:18 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Me too! RTnbsp;Creatingthehive: I love Where Women Create for ideas on storage, decor and functionalitynbsp;TalkCraftsnbsp;-1:18 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;How awesome would that be! RTnbsp;winslowwoman: Maybe when this 5th wheel becomes my craft room I can organize betternbsp;TalkCraftsnbsp;-1:17 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I love Where Women Create for ideas on storage, decor and functionalitynbsp;talkcraftsnbsp;-1:17 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;CynGagennbsp;oh yes great light is keynbsp;talkcraftsnbsp;-1:17 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;CynGagen: Great light!!! RTCreatingthehive: Q1: What are the necessities of a great crafty space?nbsp;talkcraftsnbsp;-1:16 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;great resource RTnbsp;CousinCorp: LOVE love love Harbor Freight for all the cheap tool boxes :-)nbsp;talkcraftsnbsp;-1:16 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Maybe when this 5th wheel becomes my craft room I can organize betternbsp;talkcraftsnbsp;-1:16 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;But of course! lol RTnbsp;Creatingthehive:nbsp;cyngagenprobably requires a webcam for her perfect crafty spaceTalkCraftsnbsp;-1:15 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Great light!!! RTnbsp;Creatingthehive: Q1: What are the necessities of a great crafty space?nbsp;TalkCraftsnbsp;-1:15 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;oh yes and how I wish I was organized betternbsp;talkcraftsnbsp;-1:15 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;LOVE love love Harbor Freight for all the cheap tool boxes :-)nbsp;TalkCraftsnbsp;-1:15 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;cyngagennbsp;probably requires a webcam for her perfect crafty spacenbsp;talkcraftsnbsp;-1:15 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;melissamarro: I need a large worktable and space to move around when Im craftingnbsp;talkcraftsnbsp;-1:14 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;winslowwomannbsp;Keeping organized is a key component of a great craft space, don't you think?nbsp;talkcraftsnbsp;-1:14 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;melissamarro: Having a designated sewing table Im hoping will make me more likely to sew too - less work setting upnbsp;talkcraftsnbsp;-1:14 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I like to spread out. RTnbsp;winslowwoman:melissamarronbsp;I actually do better in a small space I have found unless I am sewingnbsp;talkcraftsnbsp;-1:13 PM Oct 24th, 2011nbsp;nbsp;melissamarronbsp;Having a designated sewing table I'm hoping will make me more likely to sew too - less work setting upnbsp;TalkCrafts-1:13 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;melissamarronbsp;I actually do better in a small space I have found unless I am sewingnbsp;talkcraftsnbsp;-1:13 PM Oct 24th, 2011nbsp;nbsp;melissamarronbsp;I need a large worktable and space to move around when I'm craftingnbsp;TalkCraftsnbsp;-1:12 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;But so hard to keep it that waynbsp;talkcraftsnbsp;-1:12 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;I would like to say a place for everything and everything in it's placenbsp;talkcraftsnbsp;-1:11 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;RTnbsp;FreshStitches: RTnbsp;Creatingthehive: its time tonbsp;tweetchatnbsp;with us - comenbsp;talkcraftsnbsp;on twitter now!talkcraftsnbsp;-1:11 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Q1: What are the necessities of a great crafty space?nbsp;talkcraftsnbsp;-1:10 PM Oct 24th, 2011nbsp;nbsp;FreshStitchesnbsp;RTnbsp;Creatingthehive: it's time tonbsp;tweetchatnbsp;with us - comenbsp;talkcraftsnbsp;on twitter now!nbsp;-1:10 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I thought we could talk about crafty spaces today...nbsp;MarkMontanonbsp;is sharing his crafty PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;:-) RTnbsp;Creatingthehive: thanks - love that emoticon btw RTnbsp;CousinCorp: Condolences :-/nbsp;TalkCraftsnbsp;-1:10 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;thanks - love that emoticon btw RTnbsp;CousinCorp: Condolences :-/nbsp;talkcraftsnbsp;-1:08 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;RTnbsp;Creatingthehive: here they Do you have a link to the sweater pumpkins?nbsp;TalkCraftsnbsp;-1:08 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;CousinCorpnbsp; PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;here they arenbsp; you have a link to the sweater pumpkins?nbsp;talkcraftsnbsp;-1:07 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;creatingthehivenbsp;I always keep a little box of craft projects Just in case for weekends like that. Condolences :-/TalkCraftsnbsp;-1:07 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Love those! RTnbsp;CousinCorp:nbsp;Creatingthehivenbsp;Do you have a link to the sweater pumpkins?nbsp;TalkCraftsnbsp;-1:07 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;good idea RTnbsp;Creatingthehive: was at a funeral this weekend - watching my niece I thght crafts would keep her mind off thingsnbsp;TalkCraftsnbsp;-1:07 PM Oct 24th, 2011nbsp;nbsp;cool2craftnbsp;creatingthehivenbsp;talkcraftsnbsp;Thanks Melissa - always delighted when you can drop by to watch and live chat with us!nbsp;-1:07 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;let me find it... RTnbsp;CousinCorp:Creatingthehivenbsp;Do you have a link to the sweater pumpkins?talkcraftsnbsp;-1:06 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;was at a funeral this weekend - watching my niece (it was her grandpa who died). I thght crafts would keep her mind off thingsnbsp;talkcraftsnbsp;-1:06 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;Creatingthehivenbsp;Do you have a link to the sweater pumpkins?nbsp;TalkCraftsnbsp;-1:06 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;Yes those are very neat!talkcraftsnbsp;-1:05 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I understand completely! RTnbsp;CousinCorp: Lots of work but no time to craft! :-( Hopefully this week will calm down a little!nbsp;talkcraftsnbsp;-1:05 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;did you see the blog on sweater pumpkins? I really want those! RTnbsp;winslowwoman:nbsp;Creatingthehivenbsp;I made 15 fabric pumpkinsnbsp;talkcraftsnbsp;-1:05 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I love those. I need to learn how to make them RTwinslowwoman:nbsp;Creatingthehivenbsp;I made about 15 fabric pumpkinsnbsp;talkcraftsnbsp;-1:05 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;cool! Can't wait to see RTnbsp;CynGagen: I worked on tons [of crafty projects]! Have been typing up blog posts all morn!nbsp;talkcraftsnbsp;-1:04 PM Oct 24th, 2011nbsp;nbsp;CousinCorpnbsp;Lots of work but no time to craft! :-( Hopefully this week will calm down a little!nbsp;TalkCraftsnbsp;-1:04 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;Hi everyone!!! Hope you all had a great weekend.TalkCraftsnbsp;-1:04 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;I made about 15 fabric pumpkinstalkcraftsnbsp;-1:04 PM Oct 24th, 2011nbsp;nbsp;CynGagennbsp;I worked on tons! Have been typing up blog posts all morn! RTnbsp;Creatingthehive: Anyone work on any crafty projects this weekend?nbsp;TalkCraftsnbsp;-1:03 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;hola!! RTnbsp;CousinCorp: Hello everyone!talkcraftsnbsp;-1:03 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;I was teaching my niece how to make the felt bracelets amp; zip tie necklaces from my blognbsp;talkcraftsnbsp;-1:03 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Anyone work on any crafty projects this weekend?talkcraftsnbsp;-1:03 PM Oct 24th,UGG Pas Cher France, 2011nbsp;nbsp;CousinCorpnbsp;Hello everyone!nbsp;TalkCraftsnbsp;-1:02 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;Howdynbsp;talkcraftsnbsp;-1:02 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;tiffanywindsornbsp;cool2craftnbsp;loved the ideas on the show... particularly the paper posies!nbsp;talkcraftsnbsp;-1:02 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;Hi Gen! RTnbsp;winslowwoman:nbsp;Creatingthehiveafternoon!nbsp;talkcraftsnbsp;-1:02 PM Oct 24th, 2011nbsp;nbsp;winslowwomannbsp;Creatingthehivenbsp;afternoon!nbsp;talkcraftsnbsp;-1:01 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;hinbsp;cyngagennbsp;- anyone else here?nbsp;talkcraftsnbsp;-1:01 PM Oct 24th, 2011nbsp;nbsp;Creatingthehivenbsp;it's time tonbsp;tweetchatnbsp;with us - comenbsp;talkcraftson twitter now!nbsp;-1:01 PM Oct 24th, 2011nbsp;

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Are you a busy worker who needs affordable home cleaner to help you with your chores around the home? Do you know how to obtain affordable and trustworthy cleaner sin your local area? Did you know that on average people spend 10 hours a week cleaning their homes? This is 10 hours of leisure time you will lose forever. People forget that when they try to save money they also lose time. Just bear in mind that if you spent 10 of these hours relaxing you will be healthier and energetic to do more work.

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InStyle Stamps is looking for a new Design Team! If you love papercrafting, working with digital images and high quality rubber stamps, and enjoy sharing your creativity with others, then we are looking for you,www.uggbootsshop-ch.com! We have openings on two of our teams right now. Check this post for deets on the other call we have!This is an open design team call for anyone to join the team described below. You must have an actively maintained blog and be willing to share your InStyle Stamps creations at least once a month. This call will be open until December 27, 2010 at 11:59 PM PST.nbsp; New members will be notified via email no later than December 31, 2010!Before submitting your application to join our team, please read through the requirements listed below. If you are not prepared to meet all of these obligations for the full term, please do not apply.InStyle Stamps CHICKIES Design Team Requirements:
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Several weeks ago, I started some Basil seeds indoors, thinking that they probably wouldn't germinate since they were packed for 2007. Boy, was I wrong! I had Basil running out my ears. I gave away a lot of it, but still have six pots on my deck, with four plants in each pot.My problem was that I knew I could flavor vinegar with it and use it in salads,moncler doudoune, but I had waaaaaaaaaaaaay too much. My dear friend Jan Stone suggested I make pesto. I had never had pesto but searched the internet for a quick and easy recipe. This is the one I used:Fresh Basil Pesto Prep time: 10 minutesIngredientsbull; 2 cups fresh basil leaves,ugg boots ireland, packedbull; 1/2 cup freshly grated Parmesan-Reggiano or Romano cheesebull; 1/2 cup extra virgin olive oilbull; 1/3 cup pine nuts or walnutsbull; 3 medium sized garlic cloves, mincedbull; Salt and freshly ground black pepper to tastebull; Special equipment needed: A food processorNOTE: I found another recipe that said to chop everything by hand to really be able to separate all the wonderful flavors .1. Combine the basil in with the pine nuts, pulse a few times in a food processor. (If you are using walnuts instead of pine nuts and they are not already chopped, pulse them a few times first, before adding the basil.) Add the garlic, pulse a few times more.2. Slowly add the olive oil in a constant stream while the food processor is on. Stop to scrape down the sides of the food processor with a rubber spatula. Add the grated cheese and pulse again until blended. Add a pinch of salt and freshly ground black pepper to taste.Serve with pasta, or over baked potatoes,ugg boots sale, or spread over toasted baguette slices.Yield: Makes 1 cup.Now, here's the recipe for the digital page layout:SuppliesDuetica Lettering Arts Studio (Available at www.duetica.com)ComputerPhoto Program (I used Adobe Photoshop CS5)1. Open your photo and size it so that it fills a little over 1/2 of your planned page layout.2. Open a second file for your layout. Use the eyedropper tool to select colors for three layers and add them with a 1/4" margin all around. Make sure the top layer is a light color.3. To mimic the pasta design,www.uggbootsshop-ch.com, I added thin lines in a rusty brown color, which was selected from the photo. I started drawing lines individually and when I had about ten, I flattened the layer, selected the drawn lines plus the light background and pasted enough to fill to the other side of the page. 4. Flatten the layers again and select a new square with a 1/4" margin all around. Select inverse, then add a brown shadow all around, using the paintbrush tool and setting the opacity to 40 percent.5. Place the photo in your layout. Create two surrounding layers, 1/4" apart.6. Create the headline and subhead using Duetica Lettering Arts Studio's Tin Whistle font. Save it and create a png. file7. Open the headline and subhead in Photoshop and change the color to match colors in your photo.8. Copy the headline and paste it into a new file, making the opacity 50 percent. Save it as a png. file.9. Place the 50 percent headline on your page with the bottom overlapping the photo a little. Place the full headline over this and move it about 1/4" up to make the shadow more pronounced. Place the subhead at the lower right of the page.10. Draw a rectangle for your journaling and set the opacity at 35 percent. Draw another rectangle, about 1/4" smaller all around, and paint it the light color of the top background layer.11. Set your journaling type and you're done.Note: I have been told that the pesto can be made and frozen in ice cube trays, then packed in freezer bags.Now, go make some pesto and enjoy it with someone you love,Boots UGG Pas Cher, even if it's just you.Have a safe and happy Independence Day and praise God that we live in a country that is free.

nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; Hi everyone,Just want to take the time to welcome all of my new followers and say thanks so much for following my blog!!nbsp; It's now time for Design Team Thursday! This week we were to create a project with a "Summer Time" theme, I was inspired by Joy's "I'd love to SEA you!" on her Lots of Pun Stamps. I chose the lighthouse and waves from Wall Decor and More cartridge. I thought this would be the perfect image for a tall card which measure 4x9 and it fits into a standard size business envelope. The lighthouse is cut at 5.95, the waves are at .71. The moon is from Disney's Pooh and Friends and it's cut at 1.15. The black paper is from Recollections and the rest of my papers are from my scrap stash. I really love the look of this card and already have a request to make 2 for one of my clients!nbsp; I hope you have enjoyed my creation this week and make sure you visit Joy for all of her wonderful products!!Thanks so much for stopping by and have a blessed day!

I am super excited to be working with Tracy andnbsp;all the talented ladies over atnbsp;
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This sweet but scary ghost hangernbsp;will be greeting the Trick ~ or ~ Treatersat our home...
The Ghost is cut out of simple pine or can be painted on to a flat piece of metal...seal your wood with any waterbased sealer before you apply the woodnbsp;base white paint. The Ghost Crossing is painted in Orange,ugg boots on sale, the Stars are pre-cut wood turnings painted in golden yellownbsp;and you will have too drill a small hole for feeding the wire through...

nbsp;The Ghost hands are glued to front of the sign and allowsnbsp;our cute ghost to peek over the Ghost Crossing Sign...Take any spare fabric scraps you have andnbsp;cut them into small squares and I used MOD PODGE to tack them down... If you have some with cute fabric withnbsp;design works out nice and add character.
Just usenbsp;anbsp;med and fine markers to stitch around your ghost, star and sign...
Add wire by treading it through your drilled holes and adding stars and twist for added character to your sign...I use a pencil and just wrap it around to create the adorable twist in the wire...I hope you enjoy this Little Ghost as much as I did making it...

I know I have a Design Team (they start the 2nd week in November) but Irsquo;m also ON two Design Teams. LOL! Hey,www.ugg-pas-chers.net, itrsquo;s fun to challenge yourself, right? Irsquo;m a Glue Dotsreg; Dottess!Here are posts Irsquo;ve made for Glue Dots while a member of their Design Team.Irsquo;m also on Lori Whitlockrsquo;s DT.nbsp; (Click the link to meet the other ladies on the team.)nbsp; Lori designs for Silhouette, Echo Park and also designs fabric. All things I like!nbsp; So cool,moncler Femme!I was a fan of Lorirsquo;s work before I even knew it!nbsp; Here are some things Irsquo;ve made in the past with Lorirsquo;s Designs:I designed these things with my Silhouette SD:I used her ldquo;bunny rabbit simplerdquo; file to make a Peep mirror back in April:Vinyl Peep MirrorI used her ldquo;card kit flower potrdquo; file in May:Flower Pot Card Using Silhouette SD and Joyrsquo;s Life Barnyard Pun StampsI used her ldquo;1-card kit hellordquo; file in August:Multiple Flower Cards using Joyrsquo;s Life stampsIrsquo;m looking forward to working with her newest designs,ugg boots ireland!nbsp; Look how cute they are:Thatrsquo;s just a few of her designs.nbsp; Check out her store HERE or through the Silhouette Store.Come Back Tomorow for Football Friday,UGG Boots!

Why does the weekend go so quickly? When I was studying Zoology in Aberdeen, I had a reasonably busy timetable for a student but still had plenty of free time to relax and indulge my non-uni past times. Vet medicine,254, on the other hand,ugg boots sale, feels more like a proper job but you PAY to be there and don't clock off at 5.30pm,15549, instead coming home to study until 10.30 at night until you collapse into bed in a semi-comatose state with images of infected joints and words like 'bilateral tarsocrural arthroscopy' flashing in front of your eyes. Then at the weekend you spend the day cooped up in your tiny, windowless study for 8 hours at a time,10712, ploughing through never-ending pages of notes, trying desperately to stay as far behind as you were on Friday, never mind catching up,www.uggbootsshop-ch.com, just trying not to slip any further back. Only to either scrape passes in exams, being happy with 2 past the pass mark, or just downright fail and have to repeat the whole process in the summer, while everyone else is off to Thailand making out with elephants or whatever, psh, sounds rubbish anyway. Meanwhile your boyfriend resents you for not being able to a) save for a flat because you have no money, b) go on holiday because you have no money or c) move to a flat with a garden so you can get a dog because...you guessed it...you have no money. And you can't get married until you graduate. And your mum resents you for the amount of money being spent on your apparently unending education. But at least you chose to go to vet school,Boots UGG Pas Cher!Le sigh.Here are some recent additions to the Etsy shop,572, vintage floral fat quarters,ugg boots ireland, made from thrifted bedsheets.

Herersquo;s another page from our Family Cookbook that Irsquo;m putting together. I love the way the Bashful Blue in the Island Oasis II Designer Series Paper almost matches the blue of the cloth in the photo. I did lower the opacity on the paper some so that the recipe would show up all right on the background. But I wanted some design to the background so that it wouldnrsquo;t be so plain.
The flowers by the recipe title are from Tropical Party,moncler doudoune, which is the coordinating stamp set for the Island Oasis II paper. To get the flower centers a different color, I put the 5 Petal Flower punch behind the flower and shrunk it down so that it wouldnrsquo;t show around the edges of the flower. I really love this layout and how it highlights the photo of cookies.
You can purchase Island Oasis II DSP Digital Download and Tropical Party Stamp Brush Digital Download for My Digital Studio at my online store. Just click on each of the items and you will be taken directly to them in my store.

I did it again.nbsp; I wandered the aisles of the home improvement store while my husband was doing some serious shopping to finish up our beautiful patio.nbsp; I found some Cedar Shelf Liner paper in a roll.nbsp; I have been staring at it for a couple of weeks, not sure what I was going to do with it.nbsp; I knew it would involve the Big Shot but wasn't sure in what way. I also know we sell beautiful wood sheets and this is NOT to take away from them but you can see this material is a little different.nbsp; The colors are deep, the paper is super thin (Whisper white thin) and yes it has a cedar fragrance of course.nbsp; Mmmmm the smell of Christmas! Ergo....Christmas Trees come to mind,1311!
I have been playing around with Connie Babberts folded Christmas trees ever since I saw them earlier this week.nbsp; I knew I wanted to show them to my downline at my meeting on Friday so I had a forest full of them sitting on my desk. Yes they can be addicting and you can't just make one.
I'm not sure I am in LOVE with this card but it's kinda cool.nbsp; It's a start I will say.nbsp; I tried a lot of different ideas with the Cedar shelf liner paper.nbsp; I embossed it.nbsp; That worked okay but wasn't the look I was going for so I settled.nbsp; You know how it is....an idea to come back to when I have more time.
Right now time is not plentiful.nbsp; My schedule is full so here is the card I hope you are inspired by it.


I was featured in this great treasury last week. Mine is the Happy Birthday dress,www.uggbootssaleukcheap.net! 'Oooh,UGG Boots, Nana and I just love,ugg boots sale, love,moncler prix, love to shop for me on Etsy!' by cactusflowerwomen Granddaughters are such a delight!

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Common Forms: calcium citrate, calcium carbonate, calcium gluconate, calcium lactate, calcium chloride, calcium malate, calcium aspartate, calcium ascorbate


Calcium is the most abundant mineral in the body. It is essential for the development and maintenance of strong bones and teeth; roughly 99 of calcium in the body is deposited in these two places. Calcium also helps the heart, nerves, muscles, and other body systems work properly. To function correctly, calcium must be accompanied by several other nutrients including magnesium, phosphorous, and vitamins A, C,UGG Pas Cher France, D, and K.

The best sources of calcium are foods (see Dietary Sources), but supplements may be necessary for those who cannot meet their calcium needs through diet alone. In fact, according to the National Institutes of Health, many Americans consume less than half the amount of calcium recommended to build and maintain healthy bones. Heavy use of caffeine can diminish calcium levels; therefore, higher amounts of calcium may be needed if you drink a lot of coffee. Also, a diet high in protein can increase loss of calcium through the urine. Excessive intake of sodium, phosphates (from carbonated beverages) and alcohol,ugg boots, as well as the use of aluminum-containing antacids also contribute to increased excretion of calcium.

Calcium deficiency can be found in people with malabsorption problems, such as Crohn's disease, celiac disease, and surgical intestinal resection. Prolonged bed rest causes loss of calcium from the bones and the elderly are less able to absorb calcium.

Symptoms of calcium deficiency include muscle spasm or cramping, typically in hands or feet; hair loss (alopecia); dry skin and nails which may also become misshapen; numbness, tingling,ugg boots sale uk cheap, or burning sensation around the mouth and fingers; nausea and vomiting; headaches; yeast infections (candidiasis); anxiety; convulsions/seizures; and poor tooth and bone development.


Obtaining adequate calcium can help prevent and/or treat the following conditions:


An inadequate supply of calcium over the lifetime is thought to play a significant role in contributing to the development of osteoporosis. Calcium is necessary to help build and maintain healthy bones and strong teeth. Studies have shown that calcium, particularly in combination with vitamin D, can help prevent bone loss associated with menopause, as well as the bone loss experienced by elderly men. If adequate amounts of calcium are not being obtained through the diet, calcium supplements are necessary.

Premenstrual Syndrome (PMS)

Calcium levels often measure lower the week prior to one's menstrual period compared to the week after. Studies suggest that calcium supplementation helps relieve mood swings, food cravings, pain or tenderness, and bloating associated with premenstrual syndrome.

High Cholesterol

Preliminary studies in animals and people suggest that calcium supplements, in the range of 1,500 to 2,000 mg per day, may help to lower cholesterol. The information available thus far suggests that keeping cholesterol levels normal or even low by using calcium supplements (along with many other measures such as changing your diet and exercising) is likely to be more beneficial than trying to treat it by adding calcium once you already have elevated cholesterol. More research in this area is needed.


In a population based study (one in which large groups of people are followed over time), women who take in more calcium, both through the diet and with added supplements, were less likely to have a stroke over a 14 year time course. More research is needed to fully assess the strength of the connection between calcium and risk of stroke.

Colon Cancer

Although some studies are conflicting, mounting evidence suggests that people who consume high amounts of calcium, vitamin D, and milk in their diets are significantly less likely to develop colorectal cancer than those who consume low amounts of the same substances. Although it is best to obtain calcium from the diet, the suggested amounts for the prevention and treatment of colorectal cancer (namely, 800 IU/day of vitamin D and 1,800 mg/day of calcium) will most likely require supplementation.


Both animal and human studies have found that dietary calcium intake (from low-fat dairy products) may be associated with a decrease in body weight. These effects cannot necessarily be attributed to calcium alone since dairy sources of calcium contain other nutrients (including magnesium and potassium) that may be involved in the weight loss. A review of all studies up to the year 2000 did conclude, however, that supplementation of 1,000 mg of calcium can facilitate as much as 8 kilograms (17.6 pounds) of weight loss and 5 kilogram (11 pound) loss of fat.

Dietary Sources

The richest dietary sources of calcium include cheeses (such as parmesan, romano,UGG, gruyere, cheddar, American, mozzarella,www.moncler-paschere.net, and feta), wheat-soy flour, and blackstrap molasses. Some other good sources of calcium include almonds, brewer's yeast, bok choy, Brazil nuts, broccoli, cabbage, dried figs, kelp, dark leafy greens (dandelion, turnip, collard, mustard, kale, Swiss chard), hazelnuts, ice cream, milk, oysters, sardines, canned salmon soybean flour, tahini, and yogurt.

Foods that are fortified with calcium, such as juices, soy milk, rice milk, tofu and cereals, are also good sources of this mineral.

Calcium may also be obtained from a variety of herbs, spices, and seaweeds. Examples include basil, chervil, cinnamon, dill weed, fennel, fenugreek, ginseng, kelp, marjoram, oregano, parsley, poppy seed, sage, and savory.

New Life Health Centers has no means of independently evaluating the safety or functionality of the products offered by their suppliers and affiliates and thus can neither endorse nor recommend products. Information presented is of a general nature for educational and informational purposes only. Statements about products and health conditions have not been evaluated by the US Food and Drug Administration. Products and information presented herein are not intended to diagnose, treat, cure, or prevent disease. If you have any concerns about your own health, you should always consult with a physician or other healthcare professional.

Just like the saying "Every rose has its thorns", every mortgage has its risks and benefits. The type of mortgage you obtain will depend upon your individual situation and what you think you "really" need. The purpose of a specific mortgage loan type needs to be considered here since the decision for one mortgage loan over another is based on its true purpose. So, do not go and choose a loan that you think you want, simply because it means that you will have to pay less in monthly payments, or because the interest rate on one particular loan seems lower.

While it is important to research each loan and make sure that you are getting the best deal possible, keep in mind that the right loan for you will not necessarily be the cheapest loan at the time. Especially when choosing ARM loans, as they are known to fluctuate.

Pros of an ARM Loan
As mentioned earlier,Supra Shoes Pas Cher, whether an ARM loan (Adjustable rate mortgage) is the right option for you depends a lot on your circumstances. Often people choosing an ARM loan are attracted by the option of paying interest payments only, rather than full payments. If you are a property developer, or an investor who flips properties, the ARM loan can be the perfect loan to allow the freedom needed to make regular payments that will cover the interest on the loan, for a few months, while renovations are taking place on a home, in order to make a profit.

If you intend on only having a property for a short time, and do not want to shell out extra cash to fund the loan, by all means seek an ARM loan. Because in this case, at the end of the day the amount that is gained once the home is gone, has no bearing on the amount in mortgage repayments that are made.

Cons of an ARM Loan
If you are a low-income earner, or have a tight budget, it is likely that an ARM loan will seem very attractive to you. The interest rates are lower than those of a fixed rate mortgage, not to mention that you are given all sorts of incentives to choose an ARM loan. For example, short term interest rates that are fixed to a small amount over a short period of time,Moncler Pas Cher, or even the option to pay a minimum amount each month that will cover the interest only on the loan.

While these offers seem inviting, by simply paying the interest only on your loan you will be digging yourself into further debt, and not paying anything long term on your loan. Not to mention that with an interest rate that can fluctuate at anytime you run the risk of ending up paying larger interest and a mortgage payment after the honeymoon period is over, due to increased interest rates.

An ARM can be a very dangerous option for those who are on a tight budget,moncler donna, or plan to keep their home long term. A family home loan is best taken out as a fixed mortgage rate loan. This option will provide much more stability. If a person is intent on taking out an ARM loan, they should consider the risks involved and choose a capped rate ARM loan instead, that way if your interest rates do soar through the roof you will at least have the protection of a limit that your mortgage payment can increase to.
The last years have brought an enormous growth in the use of steel as a construction material. The steel buildings are increasingly enchanting the skylines of countries all over the world, even if they have been used in the commercial and industrial sectors for a long time.

People started using metals in constructions in the early 1700&65533;s. They used iron columns within walls. Soon, iron beams and columns became a common feature in large industrial buildings over the years. The expenses and the impact the use of wood had on the environment have been among the facts to contribute to the rising popularity of steel. It has become an integral part of bridges, pipelines and even skyscrapers. The limits are only set by the imagination of the people in the constructions business.

There are many advantages the steel buildings may provide. They are usually constructed much faster than buildings using other materials. The costs of using steel are usually lower compared to traditional building methods. They are lighter weight; they are easier to maintain. Not to speak about the fact that they carry a reduced risk of fire. Furthermore, steel is highly recyclable, which makes it an especially cost-effective and environmentally sound alternative to any other construction material. Above all, strength is a major plus for steel. Steel structures can withstand unfavorable weather conditions such as hurricanes, high winds, heavy snow and even earthquakes. They are also resistant to termites,Moncler piumini, creeping, cracks, splitting and rotting, so the durability increases too.

There are numerous benefits from using steel buildings. The most important one is the lower insurance costs, as the risk of fire is lower. This benefit is being closely followed by the lower assembly and labor costs and decreased material costs due to prefabricated designing. Modern technologies have also influenced the growth of the steel building systems industry since it can be used for better design and fabrication.

It is a commonly known thing that the framed homes are still slightly more expensive than traditional wood buildings. The savings from the fact that they are more energy-efficient and reduced maintenance make them a good option to look at. Moreover, they can be given a conventional look by covering them with traditional building materials like bricks. This will most certainly provide your home with a very elegant touch. So, feel free and experience new things for a change,Timberland Homme!

The days of women waiting for marriage to get their home with a little white picket fence are over. Nowadays women have more buying power than ever, especially in the real estate market. In fact, single women represented 22 percent of home purchases (according to survey of National Association of Realtors).

Why the big shift towards single women buyers? In part, it is because women are focusing on their careers and have strong individual earnings. These women are smart enough to know that owning real estate is the best way to build wealth. If you are single and debating whether you can afford to own your own home,www.airforcenike.org, here are some factors that may prepare your for the big decision.

First, consider your rent situation compared to owning your own home. In Phoenix, real estate prices have increased, but there are still some great deals to be found, especially as the market slows down. Compare what you are currently paying in rent with an average mortgage payment.

Do not forget to factor in your yearly tax savings. While a mortgage payment may be more than rent, your yearly interest deduction can more than make up for the difference in amount. Also, evaluate how much your rent may increase on a yearly basis. With a mortgage, your housing costs are fixed.

As a single woman,New Balance Pas Cher, your home buying power rests completely on your income, and your credit score and records. Do you know what your credit score is? Your credit score (referred to as your FICO score),Nike Dunk Low, is a numerical representation of your credit risk. If you are not sure what your credit score is, this is the perfect time to investigate. You may find that there are some problems with the credit score that you can easily clean up and improve your score.

Do you know how much you can afford to spend for a home or condominium? There is more to consider than just the how much your monthly payments will be. If you purchase a home, there will be expenses for maintenance of the home and property; many condominiums and developments require payment of monthly home owner association dues.

As you prepare to purchase property, consider all the costs associated with the property. In fact, you might ask a friend that owns similar property to give you an estimate of how much they spend on a comparable property.

Buying a home is a big step, but it is something you can do on your own. It is a step towards independence and financial security.
It can be kind of fun to look at homes for sale, and it can be a little bit tiring sometimes as well. Its hard to separate the feeling of invading someones space while at the same time investigating a home to see if its right for you. All too often we hold back, not wanting to offend the owners or the real estate agent.

But buying a house is one of the single most important, and expensive, purchases youll make in your lifetime. Its important that you have an opportunity to know exactly what you are getting into a chance to kick the tires, so to speak. What are the most important questions to ask? The following are a few suggestions.

How long has this home been listed? The amount of time that the home has been listed with real estate agents is important. If the home has been up for sale for several months it could mean several things the home is over priced, there may be something wrong with the home that other buyers are seeing,Nike Dunk High, or it could mean that the seller is more open to negotiating to sell the home.

Was this home in escrow before (did the sale fall through)? If a home did not successfully sell before, that can be very telling. Sometimes a home sale doesnt go through because the buyer simply cant qualify for the home. But sometimes the sale doesnt go through because of a fundamental flaw in the home, something that may be uncovered at the time of the inspection. If the sale didnt go through, you have every right to ask why.

What is the age of the home? When was the home built? Older homes may have very solid construction, but they also may have more impending problems that will require maintenance. Newer homes tend to be free of more routine maintenance, certainly major replacement. It doesnt matter how old the home is, it still needs to be carefully inspected before the sale closes.

Are there any other fees required (besides the sale price and property tax)? Some homes are part of a home owner association and the dues for these associations can be quite a sticker shock to the buyers. Always ask about any other fees before you make an offer on the home. Expect to pay real estate taxes every year, and expect that the taxes will increase slightly each year.

When you take the time to ferret out some basic, but vital information about the home, it can really help your decision making process. The more information you have to aid you in your decision making process, the better. When you work with a skilled real estate agent,supra shoes, he or she will be more than happy to find out the information to help you make a decision, and will probably give you suggestions of other things to look for.

Buying a home is a huge purchase but with the right questions you will have peace of mind that this is the right home for you.

At 5 feet 2 inches and 120 pounds, with a slender frame and thinning hair, he appeared frail, and with his somber dress and mild manner he was easily mistaken for a man of the cloth. [...] he traveled to the port city of Guaymas, Sonora, christian louboutin ostensibly to petition the Mexican government for a grant allowing him to create an American colony,www.moncler-outlet-italia.com, in return for which he would provide protection against marauding Apaches. On November 3, he and his band of 50-odd armed recruits - dubbed the First Independent Battalion Christian Louboutin Pumps - seized the capital city of La Paz, captured its governor and raised the banner of the Republic of Lower California. christian louboutin sale Because Vetericyn (TM) works in the same way as an animal's immune system, the body recognizes it as a friendly infection-treating ally. Convenient for anyone to use anywhere -- As a one-step cleanser and dressing, Vetericyn (TM) eliminates the need for multiple products and treatment steps, allowing for the healing to begin immediately. Vetericyn (TM) is ready for immediate use with no mixing or dilution required. Christian Louboutin Sandals sale Unlike betadine or iodine, gloves and other safety equipment are not required to apply Vetericyn (TM) and there is no staining or mess. Vetericyn (TM) is a "no-rinse" formula,moncler piumini uomo, leaving no film or residue that needs to be cleaned off the animal. Extended shelf life, remains sterile -- Unlike saline, a container of Vetericyn (TM) will remain sterile after opening. Users simply recap tightly and store at room temperature out of direct sun
What is PC telephony? This is a system where you can make calls from your computer and connect all over the world. This type of technology is used by businesses that need to contact a large number of people by telephone,Moncler Homme, either through telemarketing,Supra Chaussures, generating sales leads, setting appointments,Moncler Pas Cher, sending out messages, etc. The calls are made through the computer using software that is specifically targeted for their type of calls. Businesses can use their own telephone lines to use this technology as well as service providers like Skype.

The internet has changed the way that many businesses operate today, especially with the introduction of the high speed internet services. Today, businesses can reach out to people all over the world through their computers. They can even have agents and call centers in other countries that may allow them to save time and money.

One way that your business can take advantage of this type of service is to use what is called a predictive auto dialer, or agent dialer. The way that this type of system works is that the computer dials the phone number for you and, if a machine answers, it either leaves a message or just hangs up. If a person answers the phone, however, it will automatically transfer them to an agent at your call center within seconds, even if your agent is halfway across the world.

Churches, schools and other large institutions often need to send out mass messages. For example, schools often sent out bulletins to parents. This can be done right through the computer by using broadcast by phone dialer software. You program the message that you want to send and allow the computer to make the calls. This is the best way to get the word out quickly to thousands of people at a time. It can also be used to generate sales leads for your own marketing campaign and is often used in political campaigns.

You can even use text speech to voice software that can convert your text that you type out on your computer to a voice message that sounds very human and very clear. This can be a way that you can send a personalized message to potential clients.

If you have a business that relies on humans making calls, you can save quite a bit of time and money by using PC telephony. If you have a business where you set up appointments, you can send people a reminder to cut down on the number of no shows or people who come late or early because they forgot their appointment time.

You no longer have to hire someone to make calls for you or use expensive telecom equipment to places calls through your phone line. Using PC telephony, you can place any type of call that you want through your computer. This type of service can automatically delete calls from the Do Not Call list and works on your regular phone line, VOIP and Skype. The only thing you need is broadband internet service and the software and you are set to go.

Every state in the United States has requirements for automobile insurance in case of an accident. North Carolina is no exception. Before a person can put an automobile of any kind on the road, it must meet the minimum liability requirements of the state. Let's take a closer look at North Carolina car insurance.

Some states allow their drivers to prove financial responsibility by having a certain amount of money in a savings account or by some other means. North Carolina doesn't do that. The only way to prove financial responsibility is to carry the minimum liability insurance.

The minimum liability in North Carolina is a 30/60/25 policy. That simply means that it covers one person up to 30,000 per accident and two or more people up to 60,000 per accident. It includes 25,000 property damage for the other car.

Each driver needs to realize that these are just minimum amounts. Most financial advisors recommend that drivers carry much more insurance than that. With hospital costs what they are today, this insurance doesn't cover very much.

People often feel that they can't afford any more insurance than this because the premiums will be higher for more coverage. That is where getting online quotes from different companies comes in. You might be surprised how much insurance coverage you can get for the same amount as the minimum coverage.

Whether you are getting your license for the first time or renewing it, you will need to prove to the DMV that you have sufficient insurance coverage. You can do that by presenting a Certificate of Insurance from your insurance company or by giving them the name of your insurance company and the policy number.

Don't cancel your insurance policy and keep driving. Once your policy is cancelled,moncler piumini uomo, the insurance company will contact the DMV office. They will send you a form to fill out and send back within 10 days. On the form you must give them the name of your new company and policy number. If any time elapsed between when you cancelled your old policy and when you purchased your new one, you will have to pay a fee.

If you don't respond within the ten days,Moncler Pas Cher, your license can be suspended for 30 days. If it is suspended you will be charged penalties and other fees that may amount up to 200. That is the only way you will be able to get your license reinstated.

If you are going to drive, take your responsibility seriously and maintain the proper insurance on every vehicle you own. If you ever receive a letter asking for information concerning your insurance, answer it immediately. The 200 fees and penalties that you will be charged could pay for your insurance premium.
The members of every sports team wear an embroidered logo somewhere on their sports gear. That embroidered logo is a symbol of pride. The makers of those logos are equally proud of their creations.

Who makes those embroidered logos? Does each city with a professional team have its own set of embroidery experts? If one were to look at the logo for the Philadelphia Phillies,Moncler Homme, one would get that impression. Their logo contains a liberty bell. It looks like a logo designed by a present-day Betsy Ross.

Yet Ross was not the last name of the family that did the embroidery for that logo. That family had a different last name. Their name was Moritz.

Before the depression, the Moritz family had a business focused on the making of embroidered lace. Then during the depression, Carl Moritz, the founder of the company, and two of his sons changed the nature of the companys efforts. They got the employees to start doing the embroidery for the emblems put on sports uniforms.

At the time of its founding, 1885, the Moritz company was located on Vine Street in Philadelphia. In 1970 the company moved to northern Philadelphia. In 1986 the Moritz company moved much further north. It moved to the Pocono Mountains in northeastern Pennsylvania.

The Moritz family has been an important part of the embroidery industry for five generations. Carl Moritz, Jr., the grandson of the companys founder, took time off during World War II to serve in the Marine Corps. After three years of service (1943-1946) he got an honorable discharge,Supra Chaussures, and then he returned to Philadelphia to help with the family business.

His son and grandson have also lent their efforts to advancement of the skills required for making embroidered logos. They have made sure that the company has stayed in tune with the times. The youngest Moritz has created a new line of offerings called QDT Products. Those products are computer hardware and software for use in the embroidery industry.

By using such QDT Products,www.moncler-outlet-italia.com, embroidered logos can be made much more efficiently. Design changes can be readily added to the available software. That makes it easier to train the employees who will make the embroidered logos.

With computers as part of the logo-making process, it is doubtful that sports logos will soon go out of style. They will probably be an important part of professional sports for quite some time.

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Stress is a natural response to any stimuli that affects our normal state of mind. While some amount of stress is normal, even beneficial,ugg boots,70616, extreme or prolonged stress can be the root of many physical and emotional conditions including anxiety,ugg boots sale uk cheap, depression,70132, elevated blood pressure and eating or sleeping disorders.

Perhaps the best definition of stress comes from this unknown philosopher who once said Stress is when you wake up screaming and you realize you haven't fallen asleep yet.

And while that definition might be stretching it a bit for some, for many people it comes close to the truth, according to Alix Needham B.ED Adv Dip E Hyp NLP, who is credited with pioneering the concept of Lifestyle Management over 15 years ago.

Alix,www.moncler-paschere.net, specialist advisor on stress to the NCH, has spent an enormous amount of time studying the causes of stress and the effect that stress has on our lives. Her clients include people from all walks of life who are struggling under the physical and emotional burdens of living a stressful life.

Different situations can trigger stress in different people,69833, and not everyone experiences the same symptoms. What makes stress even more difficult to diagnose is the fact that it shares the symptoms of many other disorders and diseases. Thats why it is important to seek medical advice first if you are experiencing any of the following physical symptoms either alone or in tandem with others:

* Trouble Sleeping
* Chronic Pain in the Back, Shoulder Or Neck
* Frequent Tension Or Migraine Headaches
* Frequent Upset Or Acid Stomach
* Heartburn, Gas, or Symptoms of Irritable Bowel Syndrome
* Unexplained Cramps
* Frequent Constipation or Diarrhea
* Unexplained Weight Gain Or Loss
* Eating Disorders
* Unexplained Hair Loss
* Excessive Muscle Tension
* Unexplained Fatigue
* High Blood Pressure

* Irregular Heartbeat
* Chronic Asthma
* Frequent Shortness of Breath
* Mild or Severe Chest Pain
* Unexplained Sweaty Palms Or Hands
* Chronic Cold Hands Or Feet
* Excessive Skin Problems
* Tooth or Jaw Pain

Stress can also create a number of emotional responses including:

* Nervousness, Anxiety,70058,UGG Pas Cher France, Panic
* Depression or Moodiness
* Butterflies in the Stomach
* Irritability, Frustration, Unexplained Anger
* Memory Problems and Lack Of Concentration

* Difficulty Thinking Clearly
* Feeling of Being Out Of Control
* Phobias
* Overreaction to Common Situations

If you are experiencing any of these symptoms, and your doctor has ruled out any medical conditions, theres a good chance that youre suffering from stress.

Stress is a common reaction to lifes problems, and an occasional bout of short-lived stress is usually nothing to be concerned about according to Alix. Everyone suffers through stressful situations throughout life. The important issue is that youre able to distinguish between temporary stress that is related to a specific occurrence or event in your life, and chronic stress which does not go away all by itself.

Chronic stress almost always leads to health-related problems as well as creating the opportunity to spiral down into depression. Stress also impacts relationships with family, friends and co-workers. Left unresolved,UGG, stress can lead to heart attack or stroke and can even result in suicide in extreme cases. More typically,70295, many medical conditions can be brought on by stress as it has a tendency to repress our immune system leaving us more susceptible to common colds, flu and other infections.

Alix advises anyone who believes that they are suffering from stress to seek help at once. She believes that the average person can learn how to control their stress without resorting to prescription medicine or psychiatric treatment. In fact, she has a list of stress-controlling solutions on her web site that she recommends that all of her clients work thorough before thinking about scheduling an appointment to visit with her for more in-depth stress treatment.

Forex trade management software is becoming a vital tool for people looking to seriously trade the currency markets. While there are now a few different applications available that will help with managing your trades, these can vary greatly from a simple spreadsheet to a more detailed and comprehensive solution. So it's worth investigating what options are available for forex trade management software to ensure that you get something which will really maximizing your trading experience and build your skills. In particular you should look for software that will log,moncler Femme, manage, and track your trades while also facilitating risk management strategies and performance analysis. Better quality solutions will also have advanced features such as screenshot uploads, news announcement features,ugg boots ireland, integration with other platforms, price feeds,ugg boots on sale, and professional trading tools.

Forex trade management software is essentially a tool to manage your trades from conception until completion. Managing your trades effectively means clearly seeing the rationale behind a trade decision and then following it through until the position is closed in accordance with your specific trading plan. Trade management becomes particularly important as the number of your trades increases. At any one point in time you may have a large number of open positions to consider. These trades may be based on varying strategies and also have different timeframes or currency pairs.

While a trader usually has a clear idea about why he entered a trade, and the specific goal or target for it, this can easily be forgotten or ignored when you have multiple open positions that may extend over differing periods. It is easy to lose track of your trades and your overall goals. A person's ability to master effective trade management is what separates them from being a novice to being a successful long-term trader.

Forex trade management software is a resource used by professional traders to enable them to invest with structure and confidence. It allows a trader to address the following:

Determine and utilize a set of rules, based on a specific trading plan, before entering into a trade. This can be used as a checklist to assist decision making and later position reviews.

Record the particular reasons behind a position and the anticipated result or timeframe. It can also keep notes on the type of trade,UGG Boots, charts used,www.ugg-pas-chers.net, and profit goals.

Flexibility to analyze and then potentially adjust stops and relevant targets. This may also lead to
splitting a trade and taking partial profits or losses.

It is important to undertake regular review and analysis of your trading performance. This will facilitate better long-term decision making and increased confidence.
The fastest growing market today is forex trading. You may know it as the foreign exchange. Do you know that you can take a small investment and with some risk make a nice profit in forex trading? The risk is minimal when you use a forex trade signals.

The most difficult part of the investment is keeping up with the changing trends and factors that show you when to buy and when to sell. Forex trading takes place around the world and according to each time zone. A trade may be necessary during odd hours since the boards are not regulated. The boards will stay open even when losing money which can be good and can be bad.

A system has been developed that covers everything you need to succeed. You can receive an alert directly to your cell phone. You will know the minute a trade has been indicated. With the data gathered for you all you need to do is decide from your indicators what to do. Based on the same information a professional would gather taking risk and trading on the margin becomes easier. Taking a chance losing money is not a good idea unless you do not need the money. A forex trade signals gives you stability.

A forex trade signals is a investment in its on right. The software pays for itself over and over again. Not only do you get alerts but a team of people working behind the scene to keep up with the markets demand. It has proven itself with the success rate from those that own one.

Risking money you cannot lose is never a good idea and the though of having money you do not mind losing seem absurd. This is why the forex trade signal is a great investment by itselfs. You not only get the alerts but a team of people keeping up with the market.

Using signal software gives you get streaming charts and time/scale periods. Watch the trends and learn the psychology of the market. You can earn money while you are not sitting in front of your computer.

You can change your risk level using the forex trade signals. Remember; you get an alert when your away and with the signal you get all the pertinent data needed to make a buy or sell decision. Now you have the hardest choice. When will you get started?

Sailing on the Finest Eastern Caribbean Cruises

One of the most popular routes when sailing the Caribbean Sea and islands is the Eastern Caribbean Cruises. With the Eastern Caribbean Cruises, there is as much time spent on the shore as on the sea since the ports of call are relatively near each other. Shore excursions include a taste of the amazing brilliant sun,www.canada-goose-norge.org, pristine white sand and crystal clear azure sea of these natural and untouched islands with swimming or sports activities like scuba diving, snorkeling, parasailing,sac gucci pas cher, beach volleyball or just simply lazing under the shade of its palm trees. This cruise can take from as short as a weekend or up to one week or more. Cruise rates would rely more on the accommodation type, services and amenities that could either be regular to grand,canada goose jacket, and also on the cruise line. Ports of call such as San Juan in Puerto Rico, Bahamas, British and American Virgin Islands, St. Thomas, St. John, and St. Martin or St. Maarten are usually anchored by the cruise ships. Peak season for the cruise is from December to April but cheaper rates are usually during the summer. Remember to avoid sailing during the months of hurricanes and storms which is from June to November.

Bizarre Southern Caribbean Experience

Feel the thrill as you take a voyage to the exceptional islands of the Caribbeans southern pride where rare attractions and wonders boost up their tourist spots. You see diverse and amazing sights in the southern part of this region. Springing out from this group of islands are unrivaled sights of interest ranging from unscathed Mother Nature to traces of man made civilizations of varying cultures. Aruba for instance offers a mix of Indian and Spanish heritage, not to mention its pristine beaches. The fertile lands then ruled by the Creole and French exuding with volcano landscapes namely Guadeloupe and Martinique is an abode to many untouched rain forests and blossoming gardens. Curacao, which was ruled by the Dutch, has maintained their quaint and vibrant architecture and the natural blessings of beneficial trade winds. Experience French inspired atmosphere on St. Barth with its leading shops and boutiques, beautiful beach views, and gourmet dining. A cruise to the Southern Caribbean is definitely a unique experience for the riches that it can boast of.

Freestyle Cruising with Norwegian Cruise Line

Nothing beats having enough freedom on the activities that you partake beyond the usual every day routine on board such as deciding where to dine or where to relax during the entire Caribbean cruise. Avail of this unique experience and complete freedom with the Norwegian Cruise Line. With the liners freestyle dining, you can dine anywhere and anytime whenever you feel your stomach is empty without having to worry about a fixed meal schedule and dress code. The ships variety of grand accommodations ensures that everybody regardless of age and number of companions will be able to enjoy and relax on board while cruising the tropical paradise of the Caribbean. Fun means no restrictions in whatever and whichever activities you want to indulge yourself in on board from plunging in waterslide pools,canada goose prix, games, casinos,canada goose outlet, spa, and many more. Make your most desired cruise come true with you having the main control on board.

Fun at Sea with Carnival Caribbean Cruises

Nothing beats the unforgettable fun that one can get from Carnival Cruises. The cruise line stands by its ideals of taking passengers on a pleasurable cruising escapade especially in the Caribbean. The accommodation consists of spacious and well furnished staterooms with lavishly decorated interiors provided with signature Carnival Comfort Beds and also has round the clock room service. On board the liners, one can do a lot of things such as getting pampered at the spa, touring the art gallery, dipping at the swimming pool, shopping at the Fun Shops, jogging at the top track, playing at the Carnival Waterslide, having a good time at the Atrium together with friends or associates, and touring the shores when docked in the ports of call. During the nighttime, you can be one of the night owls who cannot resist the never ending parties at clubs and bars, casinos, and impressive production shows, musicals, and comedy. Carnival Cruises are guaranteed to bring fun and entertainment to all.

In the oilfield, operators typically enter into Master Service Agreements with various contractors who supply services and materials needed in connection with the many and varied oilfield operations. The MSAs usually require the contractor to indemnify the operator against any claims arising out of or in connection with the services and materials supplied by the contractor, whether caused by the contractors or owners negligence. Contractors are also generally required to carry minimum amounts of insurance coverage and to include the operator as an additional insured under their policies.
Most states place limitations on contractual indemnity agreements, particularly agreements that indemnify a party against the consequences of its own negligence, and have prohibitions against such agreements in certain circumstances. (1) However, four statesTexas, Louisiana, New Mexico and Wyominghave statutes specifically prohibiting certain indemnity agreements contained in or related to oilfield contracts, generally referred to as Oilfield Anti- Indemnity Acts. (2)
The language of the four Oilfield Anti-Indemnity Acts is remarkably similar in describing the indemnity agreements that are prohibited. The Louisiana Anti-Indemnity Act, which is representative of the four, provides:
Any provision contained in, collateral to, or affecting an agreement pertaining to a well for oil, gas, or water, or drilling for minerals which occur in a solid, liquid,www.guccipascher.net, gaseous, or other state, is void and unenforceable to the extent that it purports to or does provide for defense or indemnity, or either, to the indemnitee against loss or liability for damages arising out of or resulting from death or bodily injury to persons, which is caused by or results from the sole or concurrent negligence or fault (strict liability) of the indemnitee, or an agent, employee, or an independent Contractor who is directly responsible to the indemnitee.
The statutory language leaves open the question of whether any specific indemnity agreement is collateral to or affects an agreement which pertains to a well or the drilling for minerals. As a result, there has been a fair amount of litigation to determine whether particular agreements come within the scope of the Oilfield Anti-Indemnity Acts. In general, the courts in Texas, Louisiana, New Mexico and Wyoming do not apply their Oilfield Anti-Indemnity Acts to agreements for general oilfield work, but only to those agreements which have a not too attenuated relation to the operation, maintenance or repair of a distinct oil, gas or other mineral well or wells. (3)
Also, the Oilfield Anti-Indemnity Acts generally state that only provisions designed to indemnify a party against its sole or concurrent negligence are invalid. Accordingly, courts in Wyoming and New Mexico have held that their respective Acts do not prohibit an operator from seeking indemnity from the contractor for the contractors percentage of negligence resulting in a claim or loss. (4) Louisiana courts, however, have held that under the Louisiana Oilfield Anti-Indemnity Act, any negligence on the part of the party seeking indemnity invalidates that partys right to any indemnity, even to the extent of the other partys concurrent negligence. Texas courts do not appear to have specifically addressed this issue. (5)
Although the four Oilfield Anti-Indemnity Acts are similar in their restrictions on indemnity agreements in certain types of oilfield contracts, notable differences exist in their treatment of insurance coverage of such agreements.
Of the four, Louisiana is the clearest in invalidating insurance coverage of indemnity agreements prohibited by its Oilfield Anti-Indemnity Act. The Louisiana Oilfield Anti- Indemnity Act provides that:
Any provision in any agreement arising out of the operations, services or activities listed in Subsection C of this section of the Louisiana Revised Statutes of 1950 which requires waivers of subrogation, additional named insured endorsements, or any other form of insurance protection which would frustrate or circumvent the prohibitions of this section,canada goose vest, shall be null and void and of no force and effect. (6)
The courts have created a judicial exception to this prohibition, known as the Marcel exception, which allows insurance coverage of an indemnity provision prohibited by the Louisiana Oilfield Anti-Indemnity Act when the party being indemnified pays for its own insurance coverage and no material part of the cost of insurance is borne by the party procuring the coverage. (7) Also, the Louisiana Supreme Court has held that a waiver of subrogation clause is not invalidated by the Louisiana Oilfield Anti-Indemnity Act where such a clause is not enforced in conjunction with the enforcement of an indemnity obligation, and, thus, does not shift liability from the tortfeasor operator to the contractor in circumvention of the Act. (8)
New Mexico
Prior to 1999, the New Mexico Oilfield Anti-Indemnity Act did not clearly state whether insurance coverage of prohibited indemnity agreements was allowed, but the New Mexico Supreme Court held in a case raising the issue that insurance coverage was not permitted to circumvent the Act. (9) In 1999, New Mexico amended its Oilfield Anti-Indemnity Act and codified the Courts holding to erase any doubt about the status of insurance coverage. As amended, the Act now provides in pertinent part:
A provision in an insurance contract indemnity agreement naming a person as an additional insured or a provision in an insurance contract or any other contract requiring a waiver of rights of subrogation or otherwise having the effect of imposing a duty of indemnification on the primary insured party that would, if it were a direct or collateral agreement described in subsections A and B of this section, be void, is against public policy and void.
Unlike the Louisiana and New Mexico statutes, the Wyoming Oilfield Anti- Indemnity Act contains no language or provision specifically addressing the effect of the Act on insurance coverage for an indemnity agreement prohibited under the Act. The only reference to insurance in the Wyoming Act is the statement that: This provision shall not affect the validity of any insurance contract or any benefit conferred by the Workers Compensation Law of this state.
The New Mexico Act contained the identical sentence before it was amended in 1999. As noted above, the New Mexico Supreme Court interpreted this sentence as allowing only insurance purchased by the indemnitor to protect its own interest and prohibiting insurance purchased by the indemnitor to protect the interest of the indemnitee against the indemnitees own negligence.
Wyomings courts have not yet interpreted this portion of the Act, but, based on the similar language and purpose of the Wyoming and New Mexico Oilfield Anti-Indemnity Acts, Wyoming courts would presumably follow New Mexicos lead and conclude that insurance coverage of an indemnity agreement that is void under the Wyoming Oilfield Anti-Indemnity Act is also void.
In contrast to Louisiana, New Mexico and Wyoming, Texas expressly permits limited insurance coverage of those indemnity agreements which otherwise are deemed invalid under the Texas Oilfield Anti-Indemnity Act. Specifically, if an oilfield contract contains a mutual indemnity obligation pursuant to which the operator and contractor agree to indemnify each other, the Texas Act permits insurance coverage of the indemnity agreement to the extent of the coverage and dollar limits of insurance or qualified self-insurance each party as indemnitor has agreed to obtain for the benefit of the other party as indemnitee. (10)
However, if the oilfield contract contains only a unilateral indemnity agreement pursuant to which only one party, presumably the contractor, agrees to indemnify the other, presumably the operator, then the indemnity agreement and the amount of insurance coverage of the indemnity agreement allowed is limited to 500,000. (11)
The Texas Acts allowance of insurance coverage when there are mutual indemnity obligations has led to litigation in those circumstances where each party to the oilfield contract provides different levels and/or types of coverage to the other. Generally, where this circumstance exists, the party, or its insurer, from which indemnity is being sought has argued that since the indemnity obligation is not mutual in every respect, the entire indemnity obligation and its insurance coverage are void. However, Texas courts have rejected this argument and held that the lowest common denominator of insurance coverage, in terms of the dollar amount and the type of coverage, provided by the parties to each other is the maximum amount and type of indemnity permitted under the Texas Act. (12)
Texas courts have held that the mutuality of the indemnity obligation is not negated by the subsequent insolvency of the insurer from which coverage was obtained. In fact, one Texas court held that once the parties agree in writing to mutual indemnity obligations and also agree to provide insurance to support their indemnity obligations, the safe harbor provisions of the Texas Act are met and the agreement can not be voided retroactively by subsequent events,canada goose, such as the insolvency of an insurer. (13) This suggests that the indemnity provision would also be enforceable even if one of the parties breaches its promise to procure insurance to support the indemnity obligation.
The Texas Supreme Court has also held that the Texas Act does not invalidate a provision requiring the indemnitor to name the indemnitee as an additional insured under the indemnitors insurance policy when the additional insured provision is a stand alone obligation of one or both of the parties, as opposed to being included to support an indemnity obligation. (14) The court acknowledged that its decision might have the effect of allowing unrestricted insurance coverage in favor of the indemnitee against its own negligence even where the contract containing this provision comes within the Texas Oilfield Anti-Indemnity Act, but concluded that an additional insured requirement, which is a separate obligation in the oilfield contract, is not covered by the Texas Oilfield Anti-Indemnity Act.
Many states require that an agreement to indemnify a party against its own negligence be stated clearly and unequivocally. Many states also prohibit such indemnity agreements in certain contracts, such as construction contracts.

Texas Tex. Civ. Prac. &038; Rem Code 127.001, et seq.; Louisiana L.R.S. 9:2780; New Mexico N.M. St. 56-7-2; Wyoming Wy. St. 30-1-131.
See, e.g., Verdin v. Ensco Offshore Co., 104 F. Supp. 2d 682 (W.D. La. 2000), affd, 255 F. 3d 246 (5th Cir. 2001); Fontenot v. Chevron U.S.A., Inc., 676 So. 2d 557 (La. 1996); Phillips Petroleum Co. v. Brad &038; Sons Construction, Inc., 841 F. Supp. 791 (S.D. Tex. 1993); Gainsco Ins. Co. v. Amoco Production Co., 53 P. 3d 1051 (Wy. 2002).
Hull v. Chevron U.S.A., Inc., 812 F. 2d 590 (10th Cir. 1987); Gainsco Ins. Co. v. Amoco Production Co., 53 P. 3d 1051 (Wy. 2002).
Meloy v. Conoco, Inc., 504 So. 2d 833 (La. 1987).
L.R.S. 9:2780 G.
See Marcel v. Placid Oil Co., 11 F. 3d 563 (5th Cir. 1994).
Fontenot v. Chevron U.S.A., Inc., 676 So. 2d 557 (La. 1996).
Amoco Production Co. v. Action Well Service, Inc., 755 P. 2d 52 (N.M. 1988).
Tex. Civ. Prac. &038; Rem. Code 127.005(b).
Tex. Civ. Prac. &038; Rem. Code 127.005(c).
See Ranger Ins. Co. v. American International Specialty Lines Ins. Co., 78 S.W. 3d. 759 (Tex. Civ. App. Houston 2002, no pet.)(interpreting the 1995 version of the Texas Oilfield Anti-Indemnity Act).
Nabors Corporate Services, Inc. v. Northfield Ins. Co., 132 S.W. 3d 90 (Tex. Civ. App. Houston 2004, no writ).
Getty Oil Co. v. Ins. Co. of North America, 845 S.W. 2d 794 (Tex. 1992), cert. denied,canada goose coats, 510 U.S. 820 (1993). See also Lloyds of London v. Oryx Energy Co., 142 F. 3d 255 (5th Cir. 1998).

Robert Redfearn, Jr. is a partner in Simon, Peragine, Smith &038; Redfearn, a regional law firm with offices in New Orleans, La., and Mississippi. Redfearn handles various insurance litigation matters ranging from products and general liability to coverage issues involving different types of insurance policies, including GL, E&038;O and medical malpractice. His e-mail address is Redfearnjrspsr-law.com.

About Robert Redfearn, Jr.

Robert Redfearn, Jr. (redfearnjrspsr-law.com) is a partner in Simon, Peragine, Smith & Redfearn,canada goose prix, a regional law firm with offices in New Orleans, La., and Mississippi. More from Robert Redfearn, Jr.

From This Issue

August 22, 2005Insurance Journal West Magazine

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Contractors Issue

The internet is filled with internet marketing programs to choose from. Unfortunately, there are scams to be wary of. If you are not careful, you can face the consequences online that everyone else is facing throughout the economy. So just what should you be looking for in a promising online program?

The first thing you want to look at is the overall quality of the sales page. Look at everything from the graphics used to the headline to the balance between the two. If the page looks cluttered or unprofessional,new balance 1063, it may be an indicator that the leaders do not care about their program.

The next thing you want to look at is the content. Many times scams will go on and on about how much money you are going to make. What they leave out is exactly how you are going to make this money. Never join an internet marketing program unless you know exactly what you are going to be doing.

A big indicator of whether or not you should join is based off of the product. Take a look at the product and determine whether it is something you would buy. If it is not something you would buy, what makes you think anybody else would be interested?

Something every entrepreneur wants in a quality program and leader is trust. If you cannot trust the leaders,nike air force one, how can you trust that what they are feeding you is even true? Do not be afraid to ask questions and even ask others in forums about the program.

One of the top reasons so many entrepreneurs fail with an internet marketing program is a lack of guidance and training. Within the sales page, look to see what kind of training the program promises. Every program is going to say they will be there every step of the way for you. Look for details and examples of exactly what they are going to do to help you. This is much more trustworthy.

Lastly, look for contact information for you to ask any questions you may have. If a company is not willing to put their email or phone number on the sales page, it may be because they are hiding behind the sales page. A confident and legitimate program is more than willing to answer any questions you have prior to signing you up.

It can be difficult deciphering the scams from the legitimate internet marketing programs. There are several things you will want to do your research on in order to find a promising program for the future. Take the information in this article and apply it to your search for the perfect online program.
Are you relocating and looking for the perfect removal company? No problem! There are many things to take into account when choosing the perfect removal company. By doing a little research, you will be able to find the best prices and best services available. Dont be afraid to dig in and find deals- because they are out there! It is also important to note whether a moving company is full service. Full service companies are especially handy for those who are elderly and those who are moving for work related purposes.

1. Make sure that your removal company offers a good insurance policy. Since accidents can and do happen, you must make sure that your belongings are covered in the off chance that your belongings are destroyed as the result of an accident. If you spend a little extra and take out an insurance policy, you could potentially save yourself thousands of dollars in the long run.

2. Choose well-established companies. It is likely that small business or free-lance companies are much less experienced at removals. Therefore, you will run a higher risk of your belongings being mishandled or damaged. Furthermore, it is less likely that these freelance companies offer a full set of removal services.

3. Find a removal company which is open to give discounts. Its always more pleasant to work with a company that will accommodate your personal needs and budget. If you have been searching around for different prices, it may be possible to get a better rate from the removals company of your choice. Also, most companies have prices which change during the season. If you choose to move on a weekday, your price could be hundreds of dollars less than moving on a weekend!

The bottom line is that you wont know whether a removal service is top quality until you actually have had an experience with them. If you have coworkers, friends, or family members who have relocated recently,Supra Chaussure, it may be a good idea to ask them for advice. In all likelihood, you will be able to assess the quality of a removal service based on the opinion and experience of a previous customer. Word of mouth is one of the best ways to find out about the best removal companies.

If you are extremely busy and do not have the time to organize a move, you may want to hire a coordinator to handle all of your packing and transportation for you. Most quality removal companies will have this option available to you. This way,nike dunk prix, you can have someone else worry about the safety and transportation of all your important belongings. Furthermore,www.chaussurenikedunk.com, if youre moving to a residence which is temporary or furnished many removal companies will offer an option for you to store your belongings at one of their storage facilities. This is a great option for people who are moving to a smaller residence. It is important to remember that the most important quality to look for in a removal service is reliability.

There are an adventurous few who plow headlong into trading with the style and grace of a Brahma bull. These are the brave few who neglect to take the time to develop a trading methodology and personal self-discipline to trade effectively. The end result is almost always the same; complete and utter failure. Of course, this group of people seem to trumpet the pitfalls and difficulties of trading to anyone who'll listen.

I hear stories like this, and similar stories, on a consistent basis. People tell me they knew so and so who tried to trade and lost a fortune. It seems everyone knows someone who has lost a considerable amount of money trading in the futures market. Unfortunately, there is a never ending supply of those adventurous few who plow headlong into trading with the style and grace of a Brahma bull. So the story perpetuates itself over and over.

I'd like to take a moment with these frightened souls and explain to them that there is a controlled and methodical technique for profiting in the futures market. You don't need to charge into the markets like a mad bull.

But for many, the damage has been done and rumor can be much more powerful than fact. The average American is, by nature, averse to excessive risk. Most individuals work hard for their money and don't care to fritter it away carelessly. As futures traders, and educators of futures traders, this is the problem we face.

Of course, there are risks associated with trading e mini futures contracts, and deliberate money management techniques must be implemented along with very exacting trading technique in order to be successful. In short, it takes discipline and experience to be a successful futures trader. But it can be done.

There are a large number of successful traders in the United States, but they seem to be a quiet bunch and go about their business without fanfare or accolades. These folks are interested in making a great living and, by and large,www.chaussurenikedunk.com, do so without braggadocio or drawing excessive attention to themselves. Needless to say, there are a few braggarts out there. I always seem to meet them at cocktail parties and endure hours of explanation on their trading technique and the millions they have made in the market. I seem to attract them. I don't know why, but cats seem to feel the same way about me. I prefer the cats.

The point of this article is to emphasize that well controlled trading is possible and profitable. Individuals who equip themselves with the proper knowledge, training,new balance 1063, and mentoring stand a good chance of success. They just don't know it because they've listened to the crowd of mad bulls who charge into the market. I wish it weren't so, because trading can be such an enjoyable profession and creates a wonderful sense of self satisfaction. I feel that we,nike air force one, as trading educators, have failed to get the word out on responsible and profitable trading. For this reason, trading is perceived as a risky and foolish endeavor; better suited for mad bulls.

My goal is to responsibly educate the public,Supra Chaussure, whether they trade not, that rational individuals make a living trading in the futures market. Whether people choose to trade not is up to them. But I would like for the public to have a more rational view of the trading profession. We are not the greedy Wall Street types, nor are we excessive risk takers. We are a group of people who have learned to control risk and embrace it to our advantage. In short, we need to dispel the notion that futures traders are mad bulls.
Even bigger banks have no escape with the financial crises that are experiencing right now. You will think many times before deciding what bank you should trust for your finances. When it comes to India, there is different banking systems that you are opt to try for all your banking needs. Indian banking is practice in different sectors that gives more options where to deposit your money.

The two major divisions of banks in India are categorized into private banks and public banks
Private banks in India are in the industry for quite sometime now. In fact, private banking is the practice from different parts of India. This takes place during the beginning of the banking systems in the country. With the boost of banking system in India, there are well-known banks in the private sectors that are internationally recognized. Private banks are recognized by the quality banking services and standards. These banks are opting to serve the people at the best quality they can give. With the systems they are implementing, private banks have bright future ahead of the crises experienced all over the world.

On the contrary,nike dunk prix, there are also public sectors banks that you may want to try. This PSU banks are those banks that were nationalized banks in India. When we say nationalized, that means it started as private banks that turns to be under the control of the government. The major benefits of this kind of bank are that you know that the government is on your side. There are many public sectors banks that you can try in India; some of this includes United Bank of India, Oriental Bank of Commerce and Central Bank of India. These banks are nationalized to serve the people in specific field of expertise and industries.

Whether private or public, its up to you to decide which bank you are going to try. Prior to your decision, make sure you check the banks profile. This will assure you the security of your finances. Avoid being bothered by the possibility of bankruptcy. Select the best bank that meets your requirements. Make sure to have the list and see which banks have it all for you. Banks depends on the depositors, so you better select depositors choice.

Enjoying a good wine these days can be a daunting challenge. There are some terrific wine inventories popping up in our local grocery stores across the country. The more these wine inventories amass at some of the super shopping centers, the larger number of amateur wine consuirs there will be with questions of which wine to serve with particular meals.

Hopefully I can offer some helpful tips to improve your overall wine experience. There really is nothing much more enjoyable in the culinary arts as the pairing of a sumptuous wine with an elegant dinner.

Cabernet Sauvignon some consider to be the king of reds. A big-structured,supra shoes, dark-fruited wine, the best of which become even more elegant with age. The swirl and taste brings out the flavors of plums, blackberries,Nike Dunk Low, and black currant; sometimes violets or rose petals, and often mint, mocha, and eucalyptus or cedar; strong tannins underneath.

Such a wonderful flavored wine is best served with a well marbled beef. The sheer enjoyment of mixing the robust flavors of this wine as you just sample your beef will enhance your tasting experience. It is a wonderful mix of flavors completing the enjoyment of your main course. This choice of wines is also served well with hearty fowl such as duck. The two flavors compliment each other very well. Your enjoyment of this wine will also be intensified by serving it with meats that are basted with spice rubs and sauces with lots of black pepper and mushrooms. A strong soy sauce marinade is another excellent choice. Long-braised stews, pot roast and grilled red meat are all wonderful choices to pair with a Cabernet Sauvignon.

You should really taste and test to find your style. Some Cabernet's are made to be drunk tonight, with ripe fruit and subdued tannins. Others need years to mellow. Great Cabs, some argue, are balanced the day they are released and get better with time.

Now we have our Chardonnays a rich yet complex white. With complex fruit flavors and often a rich, creamy texture it has become more than likely the most popular of white wines.

With the swirl and taste of this wine you will be captured by the green apple, pear, melon, creamy lemon, and sometimes pineapple,New Balance Pas Cher, rounded out with butterscotch and vanilla.

This elegant white is best paired with sweet shellfish, your dinner guests will never be disappointed. This wine also goes well with any white-fleshed fish such as halibut, sturgeon, mahi mahi, tilapia and the flavorful cod. In the meat family your best choices would be chicken of turkey, pork and veal. Again the mix of the flavors and texture of the two together in your mouth is a wonderful way of truly enjoying the wine. A nice Chardonnay will also compliment a risotto and pasta dish served with white cream, buttery sauces.

California winemakers have traditionally made Chardonnay in a rich, buttery style by fermenting and aging it in oak barrels. Now, some have learned that too much oak can cover up the fruit, so some winemakers are starting to substitute stainless-steel tanks for a leaner, crisper style. Be certain to sample many varieties as they can and will vary some in flavor and dryness.

Then we have our Merlot a soft tannins,www.airforcenike.org, dark fruit, probably the most popular of the reds here in the states. Merlot has dark fruit flavors like Cabernet Sauvignon, but is generally a little rounder and softer. The swirl and taste of this popular wine will leave you with the enhanced flavors of blackberries, blueberries, plums, cassis,Nike Dunk High, and dried cherries combined with chocolate, cedar, and tobacco and sometimes hints of black olive.

Again with this red you will want to try a few varieties as you will come across some with a more dry, delicate fruit flavor and spice. Then there are others that tend to have a bit more of a wild berry and herbs flavor, they tend to be a bit darker and heavier in texture.

Personally I enjoy a nice Merlot with a hearty red meat but others seem to feel it pairs best with lamb, a more meaty fish such as salmon or tuna. Your dishes can be complimented with black olives, fresh herbs, mushrooms, berries and dried cherries. A tender, milder cut of beef, such as a tenderloin makes for an excellent choice when serving a Merlot. I always found it most enjoyable to take a bite of the tenderloin and then a sip of Merlot and let the flavors just mesh on the palate.

When it comes to choosing a wine to serve with particular meals there are some basics that you should follow to get the most enjoyment from the wine. Be certain to sample different makers of the same type wine as you will find a difference in flavors and dryness. Most of all make your wine tastings an enjoyable experience.

The colors of the Chakras are at their simplest level the colors of the rainbow. But they are so much more than just colors. Each of them has their own significance and meaning and their tone works in harmony with the frequency of their specific Chakra. The colors themselves can be 'read' and interpreted and can be used in healing, bringing balance back to your energy. Each color has its' own associations, meanings and interpretations;

* Red; Red is a dynamic color, it can be very stimulating, indicative of power, survival, passion even anger or danger.

* Orange; Orange is much more sensual in its' nature,Moncler Homme, it is about creative flow and is linked with your emotional energy. Deep thinkers or those that analyze people and situations a great deal can show orange in their aura.

* Yellow; Although it is the international color of danger it can denote a warm and sunny personality,www.moncler-outlet-italia.com, someone people are instinctively drawn to which usually indicates a good sense of humor and an amiable personality. It links very much with your ability to concentrate and focus.

* Green; The most obvious association is with Mother Nature and the Great Outdoors. It is so much more than that though, it is associated strongly with the all encompassing energy of the heart, in an organic truthful compassionate sense of love.

* Blue; Blue is the color of communication. It is associated with honesty and truthfulness; it will often show up in the aura of both the healer as well as the person being healed.

* Indigo; This color is very much associated with your mystical and spiritual aspect, your intuition and psychic vibes.

* Violet; Again this is a mystical color, it is a color of magical charisma and all things of a psychic nature.

When you then add to this the appropriate Chakra and ITS' own associations, meanings and interpretations you start to get a glimpse of the sorts of secrets the Chakras are holding on to!

* Red and The Base Chakra; The Base Chakra links with your survival needs and your basic instincts, it is associated on a physical level with your external sexual organs.

* Orange and The Sacral Chakra; The Sacral Chakra is your emotional center, it links with your creative ability not just on a physical level but on an artistic and inspirational level too.

* Yellow and The Solar Plexus Chakra; The Solar Plexus is very much about your digestion not just about the physical food you consume but also the things or people in life you find so hard 'to stomach'! It has associations with pent up or stored anger and with the organ of the liver directly.

* Green and The Heart Chakra; Obviously this affects the heart but not just in the way you love others but also in the way you treat yourself. It is associated with self nurturing as much as showing compassion for others. It may be an area that can be closed off or may be holding on to difficult emotions such as grief,moncler piumini uomo, embitterment or guilt.

* Blue and The Throat Chakra; The Throat Chakra is very much about how you express yourself, not just verbally as your body language is after all another way of communicating! It can also link with your ability to adapt to change - or not!

* Indigo and The Third Eye Chakra; This is the realm of imagination - of the good kind; where you see images in your mind of your hopes,Supra Chaussures, dreams and aspirations. Equally though it may be of the not so good kind; where your mind runs away with fearful images and conjures up barriers, excuses and worries that can stop you moving forward.

* Violet and The Crown Chakra; This Chakra links with your minds'control center, the pineal gland. It is all about your spiritual, Authentic Self,Moncler Pas Cher, it is the major opening to your connection with the greater Universe and the Divine.

Although you are using your intuition and sensitivity when working with the Chakras and their colors it is always useful to have a basic knowledge of their common traits and characteristics. Understanding the extent of the information and the possibilities, allows you to use your innate intuitive knowledge to discern much more accurately just what the colors are reflecting back to you.

If you own a home and have some savings, then an offset mortgage could make your savings work for you and save you a lot of money. An offset account is one of a new kind of mortgage that offers flexibility to homeowners. Borrowers' minds are focused on whether now is the time to switch to a new mortgage. And as offset homeloans become steadily more popular, it could be time to weigh them up alongside all the fixed rates and trackers.
With an offset mortgage, you can use the balances in your current account or savings (and even your ISA Individual Savings Account), to reduce the amount of interest you pay on your mortgage and even bad credit mortgage,www.uggbootssale-ie.net, or maximize the interest you earn on your savings.
Offset mortgages can offer the following benefit options for your choice:
Shorter Term - the potential to pay off your mortgage early to gain greater financial freedom sooner
Lower Payments - lowering your monthly mortgage payments to increase cash flow
Reduced Debt - reducing the amount of interest paid over the term of your mortgage and bad credit mortgage and gradually lowering your mortgage balance over your chosen mortgage term.
There are two basic types of offset deal. The first offset mortgages launched in the UK were current account mortgages (CAMs) ( read more here ), linking a homeowner's current account with the mortgage. Britannic Money's CAM was first, launched in 1997, followed closely by Virgin One, now called The One account run by Royal Bank of Scotland.
The second type of offset is where the deposits are kept in separate accounts or 'pots', but linked for the purposes of interest calculation. Providers include Barclays and Woolwich,manteaux moncler, Intelligent Finance (IF), Egg, First Direct, Newcastle building society, Northern Rock, Standard Life and Yorkshire building society. With these, as with CAMs, borrowers pay interest only on the mortgage, minus savings.
Remember that your savings won't earn any interest while they're offset, but because they don't earn interest, they're not subject to tax which makes the Offset mortgage tax efficient too.
Interest rates on offsets have traditionally been higher than those on normal home loans,UGG Pas Cher Australia, partly because they are more expensive to administer. However, this "offset premium" has fallen recently, as more lenders enter the market and competition increases. As a result, offsets are becoming more appealing to ordinary borrowers and less restricted to niche markets such as self-employed professionals. As demand for offsets especially for offsetting bad credit mortgages grows, more lenders will feel they have to offer them. These new entrants will put further downward pressure on the interest-rate premium, creating a virtuous circle of improving competitiveness. Already there is hardly a premium on some deals.
Offset mortgages provide consumers with the ability to manage their own repayment structure by allowing overpayments and underpayments. If you are disciplined and manage the mortgage correctly, you could see your mortgage term decrease sooner. If you are undisciplined, you could face some unexpected financial problems. It is important to seek independent financial advice to make sure that this is the right mortgage for you.
If you want to know which the most preferred and most used printing service today, I can tell you that its offset printing that tops the charts easily. You can opt to go with what most people choose, but it is also important to know the reasons behind this popularity.

You hear offset a lot in printing services. But do know why your printing company says that it is the best option for you and your business? Well, if not, here is the relevant information that you need to know and understand about offset.

Given that there are a lot of printing services available in the market today; you need to choose the one that will give you the most advantage. What your prints need is quality and quantity.

Quantity Matters

Offset printing saves you a lot of money. This is the most obvious reason why offset is preferred by printers and clients alike. Though the equipment used in offset is expensive and bulky,UGG shop, it produces the cheapest prints that you can find in the market.

This is because most business advertising needs must come in bulk. It will actually be impractical for you to print just twenty postcards, brochures, flyers, letterheads and stuff. We all know that the more you print, the cheaper it gets. And we all want that word: cheaper.

Of course you would not want a printing service that would not be cheaper as you go wholesale. As offset uses plates in printing that it easy to produce, you get to save a lot. The plates also have longer life, since it does not come in direct contact with your paper so it will not easily wear out.

Another thing that adds to its practicality is the fact that no other printing service can compare to the volume that offset can produce. It is made for bulk prints that are not costly, which is exactly what you need.

Quality Prints for You

You may think that offset is cheap because it compromises quality. But contrary to that common misconception, offset produces the best quality prints that you can find.

It produces vivid prints. Unlike digital or inkjet printing, it is consistent in producing quality images. In this way, you are assured that all your prints have the same quality. No prints are slightly lighter or faded than the others.

Offset is cheap in cost because of its efficiency in printing, not because it is not able to produce quality prints.

Especially in advertising purposes, quality is very important. If you do are not able to use quality postcards, brochures,ugg boots on sale, flyers, or posters, you give a wring impression to your clients. As a result, you might gain a bad reputation instead; which is the exact opposite of the goal of advertising.

With quantity and quality complementing each other, with a careful consideration of your budget, Offset Printing is the best option for your bulk printing needs. You are assured that you get the prints that pas the standards of every industry. Offset has actually done wonders in the printing world, and with modern technology, it is now available for you.

Babies bodies are very sensitive to many things such as the heat and cold. To help ensure that an infant is well protected, getting baby clothes with double stitching is a big help. Since most baby clothes are cotton or of thicker fabric, clothes with crochet patterns will do the trick and certainly keep the baby looking fashionable.

Some popular designs for the baby have always been some sort of farm animal. In particular, designs with little lambs, baby rabbits and baby chicks and ducklings have always been popular.

When it comes down to it, babies can have clothes from top to bottom using crochet patterns. Its hard to find a better subject on which to practice your crocheting craft on than a baby. Since they are small,moncler doudoune, you dont need as much material and the projects wont take as long. And if it doesnt turn out great, they wont be wearing it very long as they grow out of things quickly so youll need to plan accordingly. Baby gloves are also something that is very small to make, but you should choose strong fabric that will not tear away easily and possibly be inhaled by the infant.

A crocheted babys top can be like a cape or a sweater to provide added warmth for the baby. Giving it some double stitching and perhaps using multi-colored fabric is a good idea to make it unique. The crocheted bottom for the baby can also be made using light and dark colors. This should also be thick to give protection from the temperature outside.

Crochet patterns are not only limited to clothes for the baby. They can also be used for baby accessories such as a milk bottle holder. Some plain color stitching can make it easier to hold and reduce slipping when it is used to feed the infant.

Since babies are generally covered from head to toe,Supra Shoes Pas Cher, crochet patterns can also be made for their socks as well. To start working on a baby sock pattern,www.monclerpiumini-it.net, you can directly measure the feet of the infant and then drawing it on paper as sock sizes are very forgiving if you use a flexible material. Just remember to allowance for some growth so that the infant can use them for more than a year.

To complete the collection from clothes to all the other baby essentials,moncler prezzi, you can also make a wash cloth for baby using crochet patterns. This is easy to make since special add-ons are not necessary to make it work. The holes in between can be big or small and depends entirely on the taste of the parent.

As the baby grows older,Timberland Pas Cher, other things can be made such as swimsuits. Childrens swimwear is generally designed with bright colors for the parent to quickly spot them.
Also, things like sweaters and hats for older children have better more defined designs that are very similar to the versions of grown-ups.

The parent always have the option to buy these ready made crochet patterns in the mall or do it in the comforts of home. There are many instructional books and designs that can be downloaded free from the internet to make this happen. This task is actually fairly easy, particularly if the person has done some cross-stitching in the past. The instructions given are similar and with a little practice, crocheting can be done right away.

The materials for this project can be purchased at the specialty store that sells threads of different widths and different colors. Some are multicolored which will make it easy for the person to finish it faster. This place also has needles of various lengths to be used for the job.

Crochet patterns for babies are cute. All it takes is for the person to be imaginative and look at some material to have an idea on how to make it. The clothes and other accessories are just smaller versions that people normally do which will cut the production time.

By taking the time to sit down and do it, the parent may have a sufficient wardrobe that is sufficient for daily use.

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The Independent Insurance Agents &038; Brokers of America (IIABA) is applauding approval of flood insurance reform legislation by a House committee that will reportedly extend the program for five years and institute mitigation activities for the worst repetitive-loss properties.
The House Financial Services Committee approved the Two Floods and You Are Out of the Taxpayers Pocket Act (H.R. 253) during a markup this week. The measure was sponsored by Rep. Doug Bereuter (R-Neb.), who introduced the measure earlier this year.
Going into the markup, IIABA had concerns that the mitigation provisions in the bill would force too many homeowners out of the National Flood Insurance Program (NFIP).
As introduced, H.R. 253 would have authorized the Federal Emergency Management Agency (FEMA),canada goose jacket, the federal agency that oversees the NFIP, to offer mitigation to all properties that have had four or more flood losses of 1,000 or more per flood over the life of the property. If the homeowner refused mitigation,canada goose prix, FEMA could have charged them actuarially derived higher rates and they would be ineligible for federal disaster assistance following a flood.
We believe the original bill would have led to too many homeowners losing their shield of protection afforded by flood insurance, said IIABA Director of Federal Government Affairs Justin Roth. For example,www.canada-goose-norge.org, a family that lives in a house for 40 years and experiences a minor flood with minimal damage every 10 years would be targeted by the proposal and could have been forced to pay prohibitively high rates or possibly dropped by the NFIP.
To address its concerns, IIABA worked with Capital Markets, Insurance and Government Sponsored Enterprises Subcommittee Chairman Richard Baker (R-La.) and Bereuter on a compromise amendment that would meet the twin goals of lowering exposure from repetitive-loss properties while ensuring that access to flood insurance coverage was available to all who need the protection, according to Roth.
The amendment, offered by Baker and approved unanimously by the committee, will permit FEMA to target properties that prior to the bills enactment had four or more flood claims exceeding 5,canada goose outlet,000 per claim. For losses that occur following the bills enactment, FEMA will target only properties that have four or more new claims exceeding 3,000 per claim. IIABA believes that raising the threshold will help FEMA target the worst repetitive-loss properties.
IIABA understands the need for reform, but we also believe that only the real abusers of the flood insurance program should be targeted, said Roth. The compromise adopted by the Financial Services Committee will ensure that most homeowners will continue to have access to important flood insurance protection and give the NFIP the ammunition to go after those who are truly a drain on the system.
To remain eligible for lower flood insurance premiums and federal disaster assistance, H.R. 253 would require owners of repetitive-loss properties to accept mitigation activitiessuch as buyouts, elevation of the structure, or other flood mitigation measuresfunded by FEMA through the National Flood Mitigation Fund. The legislation would earmark an additional 20 million for mitigation activities each year through 2008.
Instead of a punitive approach forcing homeowners to pay a large share of the remediation expenses, H.R. 253 provides the financial means to make properties more resistant to flooding or move them from the flood zone entirely, continued Roth. This will make a world of difference in helping persuade repetitive-loss property owners to accept FEMAs mitigation determinations. It is, as the old adage goes, putting your money where your mouth is.
IIABA commends Rep. Baker for his strong advocacy and his tireless work on the flood program. His compromise amendment is key to ensuring a comprehensive and fair program that also will bring about real and needed reform. We also recognize Rep. Bereuter for his long-time work on this issue, and the leadership of Rep. Bob Ney (R-Ohio) in shepherding this legislation through the Financial Services Committee, said Roth. Through the dedication and leadership of Reps. Baker and Bereuter, we have legislation that will result in real reform while serving the needs of Americas homeowners. The Baker amendment is very important for independent agents and our homeowners clients around the country.
The NFIP was established by Congress in 1968 to provide flood insurance protection to the nations homeowners, who previously could not acquire such coverage through the private sector and had to rely on government assistance following a flood disaster.
The program was last reformed in 1994 through the National Flood Insurance Reform Act. Currently,sac gucci pas cher, the NFIP must be reauthorized on an annual basis by Congress, but that would reportedly change with the enactment of H.R. 253, which would extend reauthorization for five years through 2008.

The new wave of fast food is here and it starts with a little fazzoletti in the lunch box. There is a fast food restaurant in Montreal that has been very successful when it comes to feeding the masses not only healthy foods, but healthy Italian foods. Those who are interested in learning more can do so and even acquire a franchise for this new concept in fast foods.

For years, people have been thinking about what to put in their lunch box. They try to avoid foods that are unhealthy for them such as fried foods and greasy foods that have a lot of fat and calories in them. But the majority of people do not want to sacrifice the taste of the foods that they eat just to stay healthy. They want both, healthy foods that taste great,UGG Pas Cher France, like they get with fazzoletti. This can now be found in a fast food enterprise that is taking Montreal and most likely, the world,ugg boots sale uk cheap, by storm.

When you think of fast foods, you do not think of healthy foods. Chances are that you think of burgers and fries. Unhealthy. Ironically, when you think of Italian foods, you also do not tend to think healthy foods as Italian foods have a reputation for being very good, but calorie laden. This is not true. First there was the Mediterranean diet and now there is the new fast food concept that provides customers with healthy Italian foods.

The idea of healthy, Italian fast foods may sound like an oxymoron to those who first hear the concept. After all, we have been taught that in order for foods to be healthy, they have to taste bland. There is a new breed of food that is out there that is actually healthy yet tastes good. Those who are in the know when it comes to new concepts have already started talking about this fast food restaurant concept that is a big hit in Montreal. It practices all of the traditional concepts of fast food restaurants in that it provides affordable meals that are prepared fast in a clean environment, but has Italian foods that are healthy to eat. Instead of trying to figure out which of the foods on the menu has the least amount of calories or is the healthiest for you,www.moncler-paschere.net, you will have a big choice of healthy meals.

The combination is a winning combo to be sure. After all, most people like Italian foods as well as the idea of getting fast foods as they are convenient. When you add in healthy foods to the mix, you have a winning combination. Most of us today are looking for healthy alternatives when it comes to the foods that we eat. We want to have foods that taste good, are good to eat, fast to get and also affordable. Are we asking too much? Not according to this new restaurant concept that is combining good foods that are healthy, taste great but can be prepared quickly and affordably for the public.
Lung cancer is the malignant transformation and expansion of lung tissue, and is the most lethal of all cancers worldwide,UGG, responsible for 1.2 million deaths annually. It is a leading cause of cancer death in men and women in the United States. Cigarette smoking causes most lung cancers. The more cigarettes you smoke per day and the earlier you started smoking,42853, the greater your risk of lung cancer. High levels of pollution, radiation and asbestos exposure may also increase risk. There are many types of lung cancer. Each type of lung cancer grows and spreads in different ways and is treated differently. Treatment also depends on the stage, or how advanced it is. Treatment may include chemotherapy, radiation and surgery. Lung cancer that originates in the cells of the lungs is called primary lung cancer; however, cancer may also spread to the lung from other parts of the body. Metastatic cancers spread to the lungs most commonly from the breast, colon, prostate,43210, kidney,42038, thyroid gland, stomach, cervix, rectum, testis,43220, bone, and skin (melanoma). More than 90 of primary lung cancers start in the bronchi such lung cancer is called bronchogenic carcinoma. The specific types of lung cancer are small cell carcinoma, squamous cell carcinoma, large cell carcinoma, and adenocarcinoma. The last three types of lung cancer are often referred to as nonsmall cell lung cancers. Alveolar cell carcinoma originates in the small air sacs of the lung (alveoli). Although alveolar cell carcinoma can occur at a single site, it often develops simultaneously in more than one area of the lung. Less common lung tumors are bronchial carcinoid (which may be cancerous or noncancerous),43039, chondromatous hamartoma and sarcoma. Lymphoma is a cancer of the lymphatic system; it may start in the lungs or spread to them.

Lung cancer is the rapid growth of abnormal cells in the lung. It can start anywhere in the lungs and affect any part of the respiratory system . When we breathe in, the lungs take in oxygen,ugg boots, which our cells need to live and carry out their normal functions. When we breathe out, the lungs get rid of carbon dioxide, which is a waste product of the body's cells. Cancers that begin in the lungs are divided into two major types, non-small cell lung cancer and small cell lung cancer, depending on how the cells look under a microscope.

Causes of Lung Cancer

1. Breast cancer

2. Colon cancer

3. Rectal cancer

4. Stomach cancer

Symptoms of Lung Cancer

1. Shortness of breath, wheezing, or hoarseness.

2. Difficulty swallowing.

3. Fatigue.

4. Loss of appetite or weight loss.

5. Constant chest pain.

6. Breathlessness.

Treatment of Lung Cancer

1. Chemotherapy

2. Radiation therapy

3. Surgery

A Fujifilm FinePix A220 Camera enables the photographers to capture amazing pictures using its 12.2 mega camera and 3x optical zoom. The camera embeds powerful features like anti-blur technique, face detection, playback options, and two storage modes (internal memory and memory card) for saving captured data. The two cards that the camera supports are SDHC (Secure Digital High Capacity) and SD (Secure Digital). The data storage range for SD card varies from 512 MB to 2 GB, and for SDHC card varies from 4 GB to 8 GB. These cards automatically stop storing data when they are full. However, if the photographer repeatedly tries to capture new photographs even after the card is full, then there are possibilities of memory card being damaged. In such cases, all the previous data saved in the memory card becomes inaccessible. To access data from a corrupt memory card, the photographer needs an effective Camera recovery software.

Consider a practical case, where you continuously attempt to capture pictures from your Fujifilm FinePix A220 camera even after your 2 GB SD memory card was full (containing 630 pictures). In such situations, the SD card becomes corrupts, making the data saved in it inaccessible. Now, when you attempt to access the pictures,www.uggbootssale-ie.net, you receive the below error message:


The above error also does not allow you to access the previously saved pictures.


The above error message appears when the user tries to capture and save images beyond the storage capacity of the SD memory card.


To resolve the above error message and to access the previously saved pictures in the SD memory card, the user needs to restore data from an updated backup. However, if no up-to-date backup is available or backup falls short to restore the required data, then you will need to format the memory card in the Fujifilm FinePix A220 Camera. However, formatted pictures from a SD memory card can only be recovered using advanced Digital camera recovery software.

Camera recovery software recover pictures from both SD and SDHC cards even after formatting. Designed for both both Mac OS X and Windows, the Camera data recovery tool is self-explanatory and does not requires any prior technical knowledge.
If you are a serious astronomy nut, you know the single most challenging aspect of star gazing is light pollution. With most of the population living in and near major cities, finding a nice piece of sky with little light pollution is getting more and more challenging. However, there are things the star-gazer can do to limit the effects of too much light and fully enjoy the beauty of the heavens. Let's address what light pollution is, what types there are,manteaux moncler, and what you can do to solve the problems caused by them.

One type of light pollution is undesirable illumination caused by too much artificial light in your field of view, usually created by badly directed light fixtures. This can come from street lights, your neighbor's security lights, etc. Think of it this way, have you ever been blinded by an on-coming car with crooked headlights? Instead of lighting up the road, these misdirected light sources brighten up your car. Same idea. The only fix for this is to move to another location, away from the offending source. The good news is you only have to change your immediate location, like moving a block away.

Another type of light pollution is a general glow in the sky. This is the sum total of all of the lighting in the area of a city. While this type of light seems difficult to overcome, it is actually the kind to more simply fix - light pollution filters. Simply put,UGG Pas Cher Australia, they serve to filter the "bad" light out and let the "good" light some through. There are three types of light pollution filters: line filters,ugg boots on sale, narrowband, and broadband.

So which one should you buy? Well, to give you a straight answer...it depends. If you live in a highly populated area, you may want to give serious consideration to purchasing a broadband filter. For those who would do well to buy a narrowband or line filter,UGG shop, it depends on what you want to view. Those interested in the details of celestial bodies should seriously consider buying one of these types.

There is little question as to whether light pollution is a problem for the serious backyard astronomer. The good news is that solutions abound, whether you just need to move your telescope or you need to solve the bigger problem with a light pollution filter. There are numerous brands to choose from - Celestron, Meade, and Orion to name just a few. Just knowing that solutions exist can make your viewing experience much less bothersome. Take your time, figure out where you will view the sky, and what you are looking for prior to making your purchase.

To most, a blog is just an online journal. It is a place where anyone can write about any random stuff - like travel,moncler prix, electronics,UGG Boots, shopping, cooking and even about love. But while some people have been blogging about their personal material and feelings, a lot of individuals have taken blogging to new dimensions.
So what is the new face of blogs now?

Blogs are now effectively used worldwide for product sales and advertisement. Note that bloggers do not necessarily have to say "buy this" to advertise. Since most bloggers are hard core writers too, they use different means to persuade their potential buyers.

Generally, they do their convincing by writing interesting topics about the products that they are trying to "sell". They also usually present the facts in the following article types.

1. The "How To" articles.

As implied, these are articles that mainly focus on how to operate tools and equipment, how to complete a certain project, how to clean a house effectively and the like. This is an effective advertising tactic because when people see how easy it is to use a certain product, the readers will discover the need to acquire these products.

2. Review articles.

This is a more direct approach because here, blogging will mostly be centered on discussing the specifications, the advantages and the disadvantages of a certain featured product. By writing about these options, a reader will get the data that they can use to compare similar products from one another.

3. The "Secrets That You Did Not Know" articles.

This type of article, often appeal to the curious nature of individuals. By using the word "secrets" a blogger is somehow saying that if you miss this article, then you are missing the biggest opportunity or product of your life!

But while the heading makes the article very compelling to read, the blogger writing it should be up to the challenge of really capturing the interest of their reader by telling them something that they do not already know. Otherwise, the reader will leave the page and probably not return. And for a blogger, a non interested customer is a lost sale.

Those are the kinds of articles that bring blogging to the next level. According to some researchers, all of these are effective because they are appealing to read and they are very informative as well.
Classy, fast, gas guzzlers, sleek - these are the best words to describe muscle cars. They possess rarity, beauty and great engineering, which is what makes these cars so captivating. In addition, they are known for their history and for the memories they evoke. However, many of the most popular models died out by the end of the 1970,www.uggbootssaleukcheap.net,s due to a number of factors, including high insurance costs and gas prices.

These cars were built with speed and eye-catching designs that made them so memorable to past generations and so appealing to today's generation. You can find a lot of these models and if you are in search for a classic car to purchase, here are just some of the top choices:

AMC Rebel

AMC Rebels were smaller compared to the big three producers of muscle cars in the 70s. They had introduced the SC Rambler that was patriotic colored in conjunction with Hurst in 1969 that was packed with 315bhp for fourteen-second quarter miles. AMC Rebel was considered as the most powerful stock car that was available in the late 1950s and it continued to make an impression through the 60s.

Dodge Charger

The line-up of the 1969 Dodge Charger introduced a wide variety of models including the more magnificent Special Edition 'SE', the base model, the 2 racing editions (the 500 and Daytona) and the R/T.

The Dodge Charger was manufactured by Chrysler and since its launch, it has captured the hearts of many,ugg boots sale, especially younger males. It featured 461 horsepower and had a V8 engine, which promised a top speed performance. Although a V6 engine was made for the Dodge Charger, it was never quite as popular as the more powerful engine..

Ford Torino

The Ford motor company produced the Ford Torino from 1968 to 1976. It was described as the newest bright idea from Ford and was actually made to replace the famous Fairlane model. Ford Torino featured an all new blend of power, beauty and style. Although the Fairlane name was still used by Ford up to 1971,UGG Pas Cher France, Ford Torino was the name used on most of the body styles and was made with all new appeal and looks for the new generation of car enthusiasts.

Today some legendary muscle cars are being revived, such as the Charger and there are rumors the Chevelle may be brought back as well. This means today's generation will now be able to appreciate these iconic vehicles in a brand new way.

How a Flu Pandemic Impacts Workers Comp

Influenza is nothing new. Seasonal flu epidemics disease outbreaks with more cases than normal occur annually killing between 250,000 to 500,000 people worldwide. While most deaths associated with influenza in industrialized nations occur among people age 65 or older, an epidemic can cause serious public health and economic problems, including high levels of worker absenteeism and productivity losses.
When influenza viruses reach pandemic proportions or a worldwide epidemic of the disease the results can be devastating. So as H1N1 virus,canada goose jacket, or swine flu, continues to spread across the globe, the world has begun to take notice. For some, H1N1 also stands as a stark reminder of a much deadlier flu pandemic just a few years ago, H5N1, or avian flu.
Insurance Implications
A pandemics effect on assets of any organization whose business involves the gathering of people could be severe. Most businesses would find no coverage for losses resulting from a pandemic. To combat the potential impact, its important for businesses to have a crisis plan in place, says Dr. Steven Weisbart, the Insurance Information Institutes chief economist and resident pandemic expert. Employers need to adopt special policies for emergency times like this so their business is impacted less, Weisbart advises.
Theres very little insurance for the business implications of supplier disruptions other than the usual perils, he said. This (swine flu) is not on that list so therefore would not be an insured event. Not only suppliers but also customers are at risk. In a pandemic, you would potentially see people staying home from movies or malls. There is no coverage for business interruption that would pay off in those instances either, he noted.
Weisbart said that unlike the avian flu, where mortality rates have been identified as very high, the swine flu so far appears to be less lethal. But he cautions, its still very early. The deadly 1918 flu pandemic had a death rate lower than 2 percent,canada goose prix, he said, and that flu killed some 40 to 50 million people worldwide.
Paul Braun, Aons director of casualty claims in the United States says that while businesses may have prepared plans a few years ago in response to the avian flu pandemic, when the threat of avian flu subsided, so did some risk mitigation efforts.
Like everything else, when the pandemic was considered to be not as much of an issue everyone backed away from it and now we have once again a similar kind of situation, Braun said. The same issues apply, he said. You need to have a plan. Its all about protecting the worker. You need to take the appropriate actions as an employer on developing a plan on how you are going to respond depending on the type of industry you are in.
Workers Compensation
Workers compensation might be somewhat affected in the property/casualty market should a pandemic take hold,www.canada-goose-norge.org, but only for those industries where the flu may have been contracted during the course and scope of the job, experts say.
To be considered an occupational disease and therefore compensable under a workers comp policy, the disease must arise out of or be caused by conditions peculiar to the work,canada goose outlet, says Chris Boggs, associate editor of MyNewMarkets.com and author of The Insurance Professionals Practical Guide to Workers Compensation: From History Through Audit.
A worker contracting asbestosis, thats peculiar to the job. Coal miners, contracting black lung disease, its a hazard of the work. But if youre a grocery store worker and you get sick, thats not peculiar to the job. Thats peculiar to being a human,sac gucci pas cher, Boggs said. Unless the disease arises out of the job, not because you were at your job, workers compensation would not come into play, he added.
While workers compensation rules vary by state, compensable claims are very fact specific, says Ken Brown of the National Council on Compensation Insurance Inc.
Each state has specific rules in regards to whats covered, Brown said. In some cases, workers compensation coverage for contracting swine flu might not be an issue, perhaps in health care work. But for most folks, its going to be tough to prove where the exposure to the disease took place. It gets back to whether the exposure was in the course and scope of the employment or not.
In Texas, for example, for a claim to be compensable the exposure to the disease has to be something that occurred within the course and scope of the persons employment, directly tied back to what they do. For a health care worker that distance becomes a lot shorter, but for a construction worker where was the exposure? If the health care worker works in a clinic and is dealing with people that have that disease, you might be able to prove that link.
In the end, workers comp coverage ties back to medical evidence, says Aons Braun. Medical evidence and the laws in states in every case there has to be the facts of the claim and the medical evidence that supports the issue of compensation, he added. You are applying proper investigation to make sure this is truly an occupational disease.

From This Issue

May 18, 2009Insurance Journal West Magazine

View Issue

Workers' Comp Report with Directory; Restaurants/Bars/Liquor; Top Performing P/C Insurers: 1Q

The design of each page for the satisfied of the page will be assigned in detail, indicating that the entry of keywords to possible customers start searching for your products or services. SEO is a short form for search engine optimization of words. An SEO company offers services to its customers by creating web sites in a way that will be exposed by search engines.

Employing an SEO aggregation not alone brings the description of recuperative your website and extenuative time,www.uggbootssaleukcheap.net, it as well creates the possibility of acceptable your sites reputation. However, there is an accident of abasement your site is suitability if you do not apperceive what you are doing. Sometimes you may be complex with impulsive companies who will overflow your website with all sorts of incorrect advice putting you at pale if your visitors consider that your website is not consistent.

Useful services provided by an SEO Company

We are not able to designs ourselves like others because this is a danger for the reputation of our site. There are several SEO companies that can be solving this difficulty with great services and revamp any harm that may have been done. These services base on reviewing your website content and structure, making amendments or changing everything to perfectly meet your plan for the website.

They put up abstruse admonition on the website development like hosting your site, redirects, absurdity pages even the use of JavaScript that is absolutely a claiming for a lot of us. If you abatement into this class of not getting familiar with the abstruse ancillary of the website again you should absolutely consent application their services. They will accommodate you with abounding abutment on combined that needs to be done.

Management of online business development campaigns, SEO training,6239, keyword research, and ability in specialized areas is provided by them. They help out to run your website by their fundamental internet business dealings suitably convalescent your leads and sales.

How to identify a bad SEO Company

Before you can start weighing up your options, do a research on the industry using a search engine such as Google,UGG Boots, you will see a list of SEO companies on the first page. If it is not listed on the first page then something is wrong.
Those that agreement you a amount 1 baronial should be abhorred because there is no way they can agreement you a amount 1ranking; it all depends on how your website responds to the plan agitated out on it.
If they offer to optimize long keyword phrases instead of the main phrases which are easily achieved by search engine optimisation, then this would result in a low amount of traffic being received on your website. Steer clear of these types of packages.
Malfunction to differentiate among the amoebic listings and the sponsored after-effects is something that should be used to by both parties.
Make sure that you check whether they are following the Google Webmaster guidelines, as failure to adhere to correct SEO practices could result in your website being penalized.
If you are doing your best to lose some weight or to are trying to figure out "how to get rid of man breasts" and have been looking for an exercise program to speed up your progress, then no-doubt you have probably become very frustrated with trying to find the one that you are comfortable with. There are all hundreds of different types of weight reduction exercise plans, but some are far more efficient then others when it comes to burning of calories. So you can get the best results possible for during your exercise routines, here are a few basic rules for you to follow.

First, any exercise routine you choose for weight loss and chest fat will be of very little use to unless you do it along side a suitable diet plan. Dieting, regardless of what diet plan you choose - from the "500 calorie diet" to the "Low gi diet"- is the first key to any successful weight loss program, so once you find the right diet, you"re now set to find an exercise plan to help you speed up metabolism and shed those "love handles" and "belly fat".

It is important that before you start your work-out you should always do few stretches. Stretches will help to get your blood flowing and your heart pumping, and warm up your muscles and joints. This will help to make sure that while you are working out, you are less likely to cause any unwanted injures,6518,UGG Pas Cher France, such as straining tendons or pulling muscles etc,.

A good stretching routine should always be followed immediately afterwards with you your main set of chosen exercise program. This routine can be anything from an endurance building workout,6438, like skipping, riding a bike,moncler prix, walking, jogging or running,6777, The big advantage of these sort of workouts is they help to build up the strength of your lungs and heart, and increase your wind. You could, depending on how fit you are presently, dive straight in,ugg boots sale, and do a strength building routine, with dumbbells,6011, barbells and heavy kettlebells. However, if you only want to get rid of some extra weight, a muscle building exercise routine will not be of much help to you.

Fat is lighters than muscles, which means as you burn fat doing muscle building exercise routines, you are increasing your overall muscles mass through out your body and consequently your weight is likely to go up. However, if you are trying "to exchange" fat for muscle, and you have little concern about your body weight, then a good heavy training schedule with weights is the best way forward.

Just as stretching was vital prior to commencing your main work-out it is just as important that you finish your routine with some basic stretching routine. Always be sure to stretch again before you "call it a day". This will to bring your body back to normal from the higher level of activity that it was at. By following all of these simple basic tips you will significantly increase the efficacy of your workout and help to speed up metabolism, and also ensure that you do not cause any unnecessary damage to your body.

There are many palaces in Rajasthan. Forts and palaces are the pride of Rajasthan and are major attractions for the tourists. Some of the palaces are positioned inside the massive forts. Palaces are the royal residencies of the ruler of the province. Since historical Rajasthan was the land of Rajas and Maharajas, there are many palaces in Rajasthan. There were many provinces dominated by different kings. They built many castles and palaces for leading a lavish life.

Popular palaces of Rajasthan are City Palace of Jaipur and Udaipur,77377, Umaid Bhawan Palace, Lalgarh Palace,Nike Dunk Low, Hawa Mahal, Lake Palace, etc. Almost all cities of Rajasthan boast numbers of palaces. Let know about the popular palaces of the royal state of Rajasthan.

City Palace, Jaipur: City Palace of Jaipur lies in the heart of the capital city of Rajasthan. The main attractions of the palace complex are Chandra Mahal and Mubarak Mahal. The palace homes many buildings, courtyard and gardens. You can see the architectural enthusiasm of the artisans. Pitam Niwas Chowk, Diwan-i-khas, Diwan-i-Aam, Maharani Palace, Govind Dev Ji Temple, etc are the other must see corners in the palace.

City Palace,Nike Dunk Low, Udaipur: City Palace of Udaipur is located on the eastern bank of Lake Pichola. There are several palaces inside this palace. It is built in built in a flamboyant style and present fusion of the Rajasthani and Mughal architectural styles.

Lake Palace, Udaipur: This palace has been converted to a heritage hotel now. It is located on Jag Niwas Island in Pichola Lake. Boat operates to transport guests from landmass to the palace in water and vice versa. The interior of the palace is ultimately beautiful. The walls of the palace are decorated with arabesques of different colored stones and the floors with black and white tiles.

Hawa Mahal, Jaipur: Hawa Mahal is one of the grandest and most beautiful palaces in Rajasthan. Your Palace Tours of Rajasthan will be incomplete without visiting the Lord Krishnas Crown shaped palace. The palace has rightly been named as Hawa Mahal or Palace of Winds or Palace of the Breeze. There are more than 900 small windows called as jharokhas in the Mahal. This palace was built for the loyal women to observe the daily life of street without breaking the purdah system.

Umaid Bhawan Palace: It is located in Jodhpur and is one of the largest private residencies in the world. Presently a part of the palace has been converted into a heritage hotel manage by the Taj Hotels.

These places not only reflect the golden history of India but also the lavish life of the people and brilliance of the artisans. To visit these palaces plan tours of Rajasthan India. Many tour packages are available for Rajasthan tour. During your Rajasthan travel, you should take tour to Alwar to visit royal Sariska Palace, Samode Palace and Jal Mahal of Jaipur,77409, Lalgarh Palace of Bikaner, etc.
Whether you are visiting Macon for the Cherry Blossom Festival or for one of the other attractions, you will need a room at one of the hotels in Macon. Not any Macon hotel will do. You need to comb through the available hotels and find one that will fit your needs while you are away. You need a hotel that will provide you with two things. If you can find a hotel in the right location that offers lots of features, you will be well on your way to having a great vacation.

First,new balance 410, you need to choose one of the hotels in Macon, GA that is close to the attractions. Find a hotel that is close to the museums, art galleries, restaurants and nightlife. In addition, look for one of the Macon, GA hotels that is near the International Cherry Blossom Festival so you can celebrate the Pinkest Day on Earth with others. You will love the sights,78085, sounds and smells of the annual festival.

Next,nike air force 1,76785, you will need to pick one of the Macon, Georgia hotels that has the southern charm people want when they visit this city. You need a hotel that will make staying in just as fun as going out. Choose a hotel that has a swimming pool, restaurant and lots of onsite amenities. That way, you can kick back and relax when youre not touring Macon. You will love being able to spend some time in your hotel with your family and friends.

If you keep these two things in mind, you are certain to have a great trip. Look through the area hotels and find one that meets your needs. Make your reservations as soon as you find a hotel that has the location and features that you want. Then,www.supra-chaussure.com,78040, start preparing for your trip to the Cherry Blossom Capital of the world!

1.1 The Board of Supervisors and its directors, supervisors and senior management to ensure that the information contained in this report does not contain any false, misleading statements or material omissions, and the truthfulness, accuracy and completeness of the joint and several liability.
1.2 All directors attended the Board meeting.
1.3's third-quarter financial report is unaudited.
1.4 company Zhuang Guo-Wei person in charge of accounting affairs director were parked and the Accounting Department (accounting manager) Yao Xing statement first: in this quarterly report, financial report is true and complete.
2.1 Major accounting data and financial indicators
Currency: RMB
Excluding non-recurring items and amounts:
Unit: Currency: RMB
2.2 The total number of shareholders and top ten shareholders of shares of the table
Unit: shares s3 Important 3.1 key accounting and financial indicators and the reasons for significant changes in the
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1) analyzing the operating results
Note: The main reason for changes in
1, sales taxes and additional increase over the previous year, mainly due to the parent company to be provision for current tax, urban construction tax.
2, reducing the financial costs over the previous year, mainly due to current interest expenses decreased.
3 , asset impairment losses increased over the previous year, mainly due to the amount of current provision for bad debts increased.
4, investment income increased over the previous year, mainly due to disposal of a subsidiary loss a year earlier.
5, operating income decreased over the previous year, mainly due to subsidy income received over the same period last year.
6, operating expenses decreased over the previous year, mainly due to current biological asset disposal to reduce the losses.
7 Income tax expense decreased over the previous year, mainly due to receive a current income tax expense return.
8, Minority interest increased over the previous year, mainly due to increased losses of subsidiaries over the same period last year.
2 ) Analysis of Financial Condition
Note: the main reason for changes in
1, accounts receivable than the beginning of the year, mainly due to increase in accounts receivable during the period of credit.
2, prepayments than the beginning of the year,beijing massage, mainly The reason is an increase in prepaid raw materials section.
3, an increase over the beginning of construction in progress, mainly due to increased production capacity to expand plant and equipment construction.
4, short-term borrowing than the beginning of the year,mobile phones, mainly due to issue new by bank loans.
5, payable taxes than the beginning of the year, mainly due to the exchange transfer tax should be increased.
6, long-term payables less than a year,shanghai massage, mainly due to issue payment for equipment.
3) Cash flow analysis
Note: The main reason for changes in
1, the cash flow generated from operating activities Net decrease over the previous year, mainly due to increase in period and during the purchase of raw materials to pay increased fees to pay. 2, the cash flow from investing activities Net decrease over the previous year, mainly due to acquisition of fixed assets and current projects under construction increased investment.
3, cash flow from financing activities Net decrease over the previous year The main reason is the current bank borrowings decreased over the previous year.
3.2 major events and their impact and solutions analysis shows
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one, third quarter of 2010, according to relevant laws and regulations and the provisions of the Articles of Association, the Company actively promote the A shares of restricted stock incentive plan.
2010 年 7 月 7, notified the Company of Shanghai Stock Exchange, China Securities Regulatory Commission on the Company's shares of restricted stock incentive plan (draft and then revised)
2010 年 8 26, the Fourth Board of Directors of the Company held its fifth meeting, the meeting examined and adopted the General Meeting to authorize the Board to handle the company's A shares of restricted stock incentive plan related issues of motion the website).
2010 年 8 26, the Company held the third meeting of the Fourth Board of Supervisors, meeting adopted the the motion of the object list company held 2010 second extraordinary general meeting adopted the management stock incentive plan (draft) granted on the motion company held the seventh meeting of the Fourth Board of Directors,shanghai escort, passed the , the results subscribe for A shares of restricted stock motion, General Meeting of shareholders of the range of incentive programs, some incentive to give up or reduce the subscription object to grant of restricted stock incentive plan does not violate the relevant laws and regulations and the provisions of incentive plan. the main object of the incentive eligibility and restricted stock granted legal, valid (see September 30, 2010, br> 2010 年 10 18, the company received the China Securities Depository and Clearing Corporation Limited Shanghai Branch issued Securities News .
2010 年 7 16, the Fourth Board of Directors of the Company held its third meeting,beijing escort, the meeting examined and adopted the br> 2010 年 9 21, the company received the New Zealand Overseas Investment Office (OIO) a notice of decision to approve the Company or the Company's wholly-owned subsidiary Synlait Milk Co., Ltd. acquired 51.0% equity interest (see September 2010 27 stake in Bright Dairy & Food Co., Ltd. Investment Committee of United Dairy Co., Ltd. of New Zealand project approval letter of approval (Development and Reform Commission Foreign [2010] No. 2493), 23 Bright Dairy & Food Co. Ltd. to increase international investment for the acquisition of Bright New Zealand Synlait Milk Limited 51% of approved new equity (Shanghai Foreign Economic Business [2010] No. 661) % of new equity (see October 27, 2010, Implementation of commitments
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company or shareholders holding 5% or more during the reporting period to reporting period or continuing commitments
3.4 to predict the beginning of the next reporting period the cumulative net profit or loss may occur with the same period last year compared to the significant changes and the reasons
applicable r does not apply
3.5 cash dividend during the reporting period the implementation of policies
company has cash in the statute explicitly dividend policy during the reporting period, not the implementation of cash dividends.

Bright Dairy Co., Ltd. Legal Representative: Zhuang Guo-Wei
2010 年 10 月 29 日
bright milk

The concern over weight loss and the means that can be utilized in order to achieve maximum effects for such pursuits is beginning to get really immense. Understandably, there is a huge number of obese individuals and with these numbers; there is also an increasing rate of those individuals who are becoming excessively fat and at the brink of obesity. As such, it is only deemed appropriate for certain innovations to push through. These innovations can be through the use of weight loss pills. For the longest time, weight loss products have been perceived as the ultimate solution to weight loss.

Indeed, weight loss products can really have an effect on weight loss, but sometimes,www.moncler-paschere.net, these same products can cause havoc to a dieter's health and wellness. It is because of this that we must make it a point to know everything that we can about weight loss pills. It is not enough to merely know the advantages; rather, it is also important to reconcile ourselves with the disadvantages of resorting to this method so that we know where we stand where weight loss is concerned.

Weight loss pills are relatively easy to find. In fact, there are many of these pills that are crowding in the market. Various forms and formulations of these supplements can be found in the market that to a certain extent, the dieters already find it difficult to decipher which diet supplement to take.

But then again, another thing with weight loss supplements is that they are not a surefire way to lose weight. Indeed, some weight loss pills are advertised to have effective and efficient weight loss results and indeed, these same results are what most of its consumers have gotten, but when used by another person, the effect might not be as grandiose.

That said; we can daresay that using weight loss supplements can be a tad risky. So the question is, should a dieter really opt to use a weight loss supplement if the fat and excess weight that he or she wants to get rid off is truly stubborn? Some surveys have pointed out that the dieters are more inclined to use weight loss supplements for faster and more efficient weight loss results, but according to the recent studies on weight loss and dieting,58828, using weight loss supplements is not the answer.

For dieters who are still dependent on the use of weight loss supplements, please do take the necessary precautions. The trend for the dieters to date is to patronize such products; although such practice is not thoroughly advisable,UGG Pas Cher France,5995, it is still being chosen over natural weight loss means. Nevertheless,ugg boots sale uk cheap,83038, once the dieters realize that a sense of permanency is lost on a weight loss regimen that entails such drastic measures, maybe they'll realize that they are only wasting their money on weight loss supplements.

As far as we can tell, the more permanent pursuit for weight loss results can take effect when we make use of a weight loss regimen that is more traditional. Such as those that offer a balanced diet program in tandem with a regular exercise routine.
I wanted to take this opportunity to talk about intensity and high intensity training. The word intense gets used too much I think for things that aren't intense. It's in the kid's slang,82594, 'that's intense' and they apply it to things to indicate something is pretty cool in their opinion. That's OK, but it downgrades the real meaning of the word intense.

Webster's dictionary defines intense as taking something to an extreme degree. That is what I am talking about! You want to have an intense workout every time. Taking that to a deeper level; you want to do every session, every set, and every rep with intensity. When you do that you are achieving what I call RIPPED Intensity. This is one of the Pillars of the R.I.P.P.E.D. Weight Training System.

This is one of the keys to getting a transformation in the quickest, most efficient way possible.

An example of having this RIPPED Intensity is thinking about your grip on the weight. Everyone has to grip the weight, no kidding, but how you do it is what I am talking about. Not your actual grip or your hand position; I am talking about holding the weight like someone is trying to tear it out of your hand. Hold on to it like you are hanging on a tree branch over the Grand Canyon. Do you get the picture? This is only one aspect of intensity, and the best way to get results is having these sorts of things in your head all the time you are at the gym. It is like you are turning on a switch as you are heading for the gym and then amping up the energy at you hit the floor and get into your routine. Thats high intensity training.

Your intensity in all things is what can take you to the next level with your lifting and muscle development. Have you ever gotten stuck at a plateau? All of us have. You are benching X amount of weight and maybe you have a mental block about putting on that next plate. Many times this is a 'benchmark' weight level, if you can excuse the pun. It was many years that the four minute mile stood as a record. Runners had it in their heads that it couldn't be broken, but as soon as it was broken,ugg boots, it was like the dam broke, and a few people went sub-four quickly after Roger Bannister did it.

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A lot of the systems available on the Internet are free Forex software. This particular software is able to provide its users with all the required information including economic news and events that affect the currency Forex market. This software is also capable of providing the technical signals, as in the case of a Forex trading signal software, which will help the user decide when to buy or sell. This trading software also comes with a graphic user-interface with which traders can buy and/or sell currency pairs. The same systems may provide more useful features such as forums, where currency traders can interact with each other. There may also be reading materials that can teach the essentials of Fx trading, and many systems provide practice or game accounts to familiarize new users with trading; using the system without using actual money.
Even though it is quite easy to get started in trading the Forex, making consistent profits can be a different story. Different sources differ in their statistics. There are traders losing money and there are traders making money. Something is usual though; more traders are losing instead of generating revenue through Forex currency trading. Thinking about the huge number of currency traders competing with each other across the world, traders need all the help they can get to get ahead of the rest. That is, the means to access real-time information and different trading signals to help users analyze when they're supposed to buy/sell. This is why it's very important for everybody, particularly the individual who trades currencies for some dollars to utilize a profitable Forex currency trading software. Even some big time players already in the market use software to be able to have clearer pictures of trends.
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If you are new to the forex markets and currency trading then I have no doubt that you may already have come across the terms "support" and "resistance". They are pivotal to your successful trading. It is critical to understand what causes them, and how to spot these areas of support and resistance on your currency charts.

In the normal cycle of the forex market the price is influenced completely by sellers and buyers. If there are more sellers than buyers at any given period then the price will be moving downwards. Conversely, if there are more buyers than sellers at any given time then the price will be moving upwards.

To keep this tutorial short I will only discuss "support", and you can take the inverse of this information as the cause "resistance". For the purposes of our explanation here lets also assume that the price in the market is falling - it is a bearish market.

Support is going to be caused by a LOT of buy orders waiting in the market at, or around, a particular level, below where the price is currently. Nobody ever knows where other traders buy orders are laying in wait, but there are many reasons why such a volume of buy orders may be waiting at a particular level.

"Round" numbers are often points to watch. For example, a very round numbered price like 1.5000 on the EUR/USD may well be a place that bigger players (central banks, and funds) would place orders. Also, big players may place orders ahead of their option strikes, in an attempt to defend them should the market approach those levels. The reasons are too many to mention, but you just need to be aware that, at certain levels,UGG Pas Cher Australia, a falling market will encounter some serious "opposition".

The shear volume of these buy orders may well be strong enough to overcome the number of sell orders causing the price drop, and the price will battle to break below this level of buy orders. In fact the buy orders may be of such a volume that they completely overcome the sell orders and the price "bounces", or even reverses direction.

This level of STRONG buying is known as a support level,UGG shop, or an area of support.

Think of it this way - if you jump off the roof you begin to fall. At some stage you are going to hit the ground. If the ground is hard, it will be tough enough to stop your fall. It offered you "support".

Why is it so important to your trading that you be able to spot these areas of support?

Well, you do not want to take a short trade just before a support level. There is a good chance that the price action may bounce, and stop your trade out for a loss. Instead,www.uggbootssale-ie.net, you rather want to wait and watch the price action around that support level. Then enter your short trade only once that level of support gives way, and the downward momentum in price continues.

Keep your currency trading plan simple.

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Puerto Vallarta being rich in both flora and fauna is a habitat to various land and aquatic animals. Animals are well taken cared for tourists to view and to familiarize with. With Puerto Vallartas bird watching tour,UGG Pas Cher France, one can get acquainted with the different species and characteristics of birds that abound the area. Take a view of the natural scenery and Old Mexican haciendas while on horseback riding tour. Whales and dolphins are within your touch as you get to swim along with them in many dolphin adventures. When you go deeper in the ocean, youll get to witness sea creatures such as octopus, sea turtles, tropical fishes, and a lot more. With animal encounters on the vacation tour, one can learn a lot on how the animal thrives, its characteristics, and its behavior. Reliable as they are, biologist and tour guides who are highly familiar and knowledgeable are ready to assist you anytime.

Uncovering the Art Riches of Puerto Vallarta

The substantiality of art and culture in Puerto Vallarta is seen in their tradition, people,www.uggbootssaleukcheap.net, and architecture. The peoples value for art is seen with the numerous art galleries and shops exhibiting modern and traditional artworks. Huichol Indians, the natives of Puerto Vallarta are now marketing their bead works and yarn paintings in the city to which many vacationers purchase. Their creations portray their own traditions and belief. As of the present times, many international and non local artists have come to Puerto Vallarta to share their love for art. Art shops and galleries displaying their works of art thrive in the downtown area of Puerto Vallarta. The Galleria Pacificio has long operated since 1987 features the art of sculpting. Galleria Corsica has its Mexican Contemporary fine art and Galleria Omar Alonso specializes in both modern photography and antiques. Galleria Arte Latinoamericano, Galleria Feedma, and Galleria Dante are also examples of art galleries in Puerto Vallarta.

Jungle Escapade in Puerto Vallarta

In the city of Puerto Vallarta you will find a rich mix of historical culture and the bounties of nature. After a tour of the city wide panoramic view, go off the dirt road and take a visit to their unspoiled jungles and rainforests. If you visit their jungle, youll find several wildlife and animals roaming freely in the lush forestry. Animals and birds can still be found in their virgin natural abodes such as in tall forest trees and is usually the destination of canopy tours,ugg boots sale, ATV tours, bird watching, hikes, and many other jungle adventures or explorations. Puerto Vallarta has several laws and ordinances that protect this bounty and ensure that they flourish and proliferate. Ecological balance is highly visible in the verdant greens and roaming wildlife amidst its tropical climes. Most Puerto Vallarta tours always include rainforests in their destinations. A visit to Mother Nature is never to be missed in the Puerto Vallarta vacation.

Enthralling Scuba Diving in Puerto Vallarta

The beaches in Puerto Vallarta makes it a great spot for scuba diving with its rich marine resources such as marine animals, corals,moncler prix, tropical fishes, and many more life forms that thrive under the sea. Making it the top diving destination in Mexico, you can find several diving shops alongside the beaches. Many tours usually include scuba diving in their itineraries. As you dive into the deep waters of Puerto Vallarta,UGG Boots, youre sure to please your eyes and be amazed with the great wonders that the deeps have to offer. Diving sites have different depths and may either be deep oceans, underwater mountain ranges, rocky coves, or even just shallow reefs. Scuba Diving Companies that conduct these types of tours include Scuba Las Marietas Islands Tour, Scuba El Morro Tour, Scuba Majahuitas Tour, and Scuba Los Arcos Tour. A unique dive by Los Arcos which is done at twilight features marine life forms that can only be seen at night between the El Bajo underwater mountain ranges and Devils Drop.

Property investment buying is a lucrative sort of business. As a result of the recession, many people invest their money in real estate hoping to produce profits incessantly. It can bring you a lot of opportunity and you need to learn the ins and outs of real estate investing in order to succeed. However, it is not an assurance that property investment buying will quickly provide a good return and never speculate that it will appreciate over time. Consider property appreciation as an additional advantage and not something that you can rely on to make more money. There are several alternatives that you can look into so you can make use of the properties you have bought.

With rent-to-own-basis, the buyer rents the property and the rights will be turned over once he's done with the installments. This will also free you from maintenance cost since the buyer, knowing that he's going to own it in the future, will do the restoration using his own funds. Choosing this mode of investment will take years before you get your return of investment but can give you a steady monthly revenue.

Rentals on the other hand will give you a regular monthly revenue when you lease the property. You still have the ownership but you will be responsible for the maintenance cost.

Boarding house is like rental but revenue is higher because you lease it per room. It is ideal if the property is close to a college institution as most college students prefer to rent their own room. The drawback if you want this alternative is the preservation cost or the upkeep since you have more tenants using the property.

Property investment buying can also be for rehabbing. It's mainly just buying a lesser value property, repair it and retail it at a higher cost. Some investors would rehab and lease it,nike air force 1, but some would retail them. Real estate owned houses, that have already gone foreclosure is a good deal for you. There are also methods in making money through rehabbing like wholesaling and flipping.

Wholesaling is the easiest approach if you aspire to get in to real estate. All you have to do, is place the property under contract and assign it to another investor who will close the contract. You don't have ownership to the property and this does not entail you to have a license because technically you are not purchasing a house. This is less risky and will require less money and no need to get a finance from the bank if you want to get in to this business.

Flipping is akin to wholesaling but the difference is, you will buy the property and retail it to a buyer at a higher cost. This is often feared by investors to be unlawful but there's nothing wrong with it unless you commit to mortgage fraud or other prohibited activities.

You may also want to take a look at tax foreclosures. These properties have one thing in common, they are clear from any mortgage and these are the form that you ought to go after if you want to come upon motivated sellers. The time before redemption period is up is something you should watch out for if you want find good investment deals.

In property investment buying, you have to continue to educate yourself with most recent market trends in order to be successful in real estate investing.
You ask, how can there be alternatives to drugs?All anyone ever needs is a tablet and, like magic,new balance 410, they are cured. Well, as if. . . Go back in time and none of these wonderful medications were around. Yes,5876, life expectancy was not quite as good but people got on with their lives without miracle medications. So what happened? The answer lies with the marketers who managed a rather neat trick. Last century,2438, the doctor was the superstar. If you had a problem,Nike Dunk Low, the guy in the white coat would emerge from the operating theater with a Dr Kildare smile plastered all over his face. "It's all good news,5271," he would say in his chipper fashion and we would all sigh with relief. The Doc is on the job and all is well with world. Now, doctors are still essential cogs in the machine but the real heroes are the drugs. We no longer need to see the doctors unless there's some emergency we can't deal with on our own. In the quiet of our own homes, all we need is a small cabinet full of all the drugs we predict we will need to get through the week.

So let's say you're in pain. The world you used to enjoy has lost its sparkle. Even the slightest movement brings a wince and worse. What should you consider before committing yourself to the long-term use of a painkiller? The answer comes in one of these annoying lists:

1. Exercise This is the alternate that no one wants to even think about. When you are feeling paralyzed by the fear of the pain that comes when you move, the idea you get better if you force yourself to move is not popular. Yet it's the top of every doctor's lists. You genuinely fight pain off if you increase your activity level. Walking is a good all-round exercise. If a swimming pool is nearby, the water gives you support for your muscles and joints. Put the other way round: if you stop moving, you lose your muscle tone and your joints stiffen. When you finally do try moving,2476, it hurts.

Examples of exercises you should think about include yoga and tai chi. The mixture of stretching and flowing movements gets your muscles used to moving again. But you should take advice. Depending on the nature of your injury or disease,Nike Dunk Low, some movements may be more beneficial than others.

2. Physical therapy and massage. This also helps restore mobility and gives you better directed exercise programs,www.supra-chaussure.com, tailored to your specific problems.

3. Acupuncture and other alternates. For those of us in the West,5352, these depend on the placebo effect but all that means is that they work for those that believe in them.

If you find exercise a frightening prospect, take Ultram before you start. This will take the edge of the pain while you begin to get your body moving again. However, be careful. Just because Ultram makes the pain go away, does not mean you are cured. Do not aggravate the injury by exercising too vigorously too soon.

Medical requirements for commercial airlines do exist for the safety of its passengers. Being 30,www.uggbootssaleukcheap.net,000+ feet above the ground poses new challenges for any medical emergency. Therefore, certain precautions must be taken to minimize the passengers health risks as much as possible. These requirements include having a medical doctor on board, or at least an individual with the skill set to provide emergency procedures. Medical devices are important for various reasons,52658, but in the air,UGG Pas Cher France, it is about monitoring vital signs and using those readings to transfer any information to the medical professionals once landed. All emergency kits on airlines include blood pressure monitors, thermometers, glucose monitors,51628, but now they also carry a pulse oximeter,UGG Boots, also known as a pulse ox by some.

Advances in technology has given rise to advances in both hardware and software technology for the oximetry industry. A pulse oximeter is now available in pocket size,51429, which makes it extremely versatile and portable. This size advantage was achieved by smaller processor chips. Coupled with portability, a modern oximeter is very accurate in its blood oxygen saturation readings and pulse rate measurements. The vitals signs gathered by a pulse ox are available within seconds of its initiation on the patients fingertip or earlobe. The size, accuracy,moncler prix, and speed of a pulse oximeter makes it a perfect addition to the emergency kits found on all major airlines.

Due to the high altitude and difference of atmospheric pressure while in the air, it is critical to monitor the passengers percentage of blood oxygen saturation in the blood. A pulse oximeter is a great medical device for this situation, and modern oximeters are easily found for under 100. Their reasonable cost makes it very possible for every flight to have at least one pulse oximeter in its emergency kit. The ease in its operation is also a great benefit, because a flight attendant could easily be trained to use a pulse oximeter.
Born to some worker inside of a shoe factory, Rudolph Dassler and Adolf Dassler have been kin with large dreams inside of a war ravaged Germany. Wanting to accomplish their component for that fatherland, the two kin served their time inside the army and discovered a little shoe factory inside the back again of the home within their mother's laundry. Inside the 1936 Olympic Games,ugg boots sale, Adolf Dassler drove towards Olympic Village and persuaded American awesome star sprinter Jesse Owens to set spikes about the bottom of his shoes. Following Jesse Owens won four gold medals, the achievement account within the Dassler footwear turn out to be a worldwide phenomenon.
But their achievement was brief lived. Prior to the fall of Germany, anxiety was rife among the two kin and following Rudi Dassler was captured, the two kin experienced split for good. Adi Dassler established up his business and named it Adidas,52863, the next biggest shoe production business within the world, and Rudi calls his RuDa.
Later those 12 months Ruda transformed brand to Puma, and sponsored numerous footballers of Germany's nationwide football team. Consequently, the fact that scorer of Germany's very first article war target was putting on Puma boots. More than the years, Rudi's knowledge and aspiration to operate help away excellent dividends and shortly the globe was putting on Puma shoes. Football star Pele, ceased the last minutes within the 1970 FIFA globe cup to tie his shoelaces providing the globe valuable minutes of his Puma boots. These days,52121, Puma sponsors half within the world's football groups, tons of gamers around the world and also sponsors a myriad of other sports activities and players. Puma always specializes in making sports activities clothing - football apparel, bounce fits and observe suits.
Puma has charted achievement testimonies 12 months following year, raising income and establishing bottom in nearly each and every nation around the world. Pumas well-known total sequence offers a broad wide variety of functions to buyers worldwide. Pumas other well-known footwear include footwear created for sports activities like running, basketball and most importantly football. Puma has tied ups with 2006 FIFA globe cup winners, and Italy would be the principal sponsors for that team. They are also principal sponsors of Formula one clubs like Ferrari and BMW and have unveiled their Puma - Ferrari and Puma - BMW clothing series. Puma because its inception just like a little business over a hillside has Germany has are available a lengthy way but in no way truly forgotten its roots. For Puma, it's constantly customer driven.

Job interviews can be very stressful. There is no way to get around it because there is so much at stake. The saying "you only have one chance to make a first impression," is ever-present on the mind of the job seeker which only adds to the stress. But if you keep these few simple rules in mind, you will be able to ace your job interview.Arrive On TimeOne of the best ways to make a great first impression is to arrive at the interview site on time or even a little early. Your interview is an appointment on their calendar, and people are busy nowadays. Every minute that you are late takes away from your meeting with the human resources representative or your potential boss. But worse than that, it already tells them that you don't respect this opportunity to interview and that you will probably be habitually late for work.If you were caught in a traffic jam, or the situation was outside of your control, you can protect yourself. Call the person who set up the interview. They may want to reschedule for another time or another day. Apologize for the inconvenience and give them the option to reschedule.In The InterviewSmile and treat everyone you meet with respect when you arrive at the office. You may feel the person at the front desk is your subordinate if you are interviewing for a manager position. You would be wrong. At some companies,moncler doudoune, anyone can fill in at the front desk,Boots UGG Pas Cher, don't make negative assumptions.A firm handshake can help you when trying to make a good impression. A Fish-tail handshake is the worst thing you can do. The fish-tail is that floppy half shake that only takes hold of the other person's fingers. Avoid this. Don't squeeze too hard,www.uggbootsshop-ch.com, but make sure to take their whole hand and use a firm grip to shake. It may seem irrelevant since it has nothing to do with any task you will be given at work. But it plays an important role in your evaluation. Strong handshakes signify strong people.Make sure to sit up straight like you were taught growing up,ugg boots ireland, during the interview. It gives the impression that you are alert and interested. Make sure to make eye contact, but don't make it uncomfortable by staring. You are allowed to look at any information or notes they hand to you. The time to look them in the eye is when they are speaking directly to you or when you are answering a question.Don't forget to ask the interviewer a few questions too. Knock the bosses socks off when he asks if you have any questions by asking him how he is impacted by his job. This is a great question and one that too few people think to ask. No matter how high the rank, every employee at the company has a boss. Making that person's life easier is your job.
Many companies today are starting to notice the extreme profitability of the online world. Companies are now transitioning a large part of their business from the offline world onto the online world. This is mainly due to the major profitability factor that the internet has over the brick and mortar world.

One major factor or tactic that can increase a businesss profits tremendously is known as business email marketing. Business email marketing is one of the most effective ways to promote your business to the world.

The problem is that few individuals know how to do it the right way. Discussed in this article are some key principles that you can use with your email marketing that will significantly increase your earning potential.

The first principle of business email marketing is to use a list server, or what is commonly known as an autoresponder. An autoresponder is an efficient way to collect email addresses into your database as well as follow up with them automatically. There are a few scripts online that allow you to host an autoresponder on your server or website.

An important thing to note is that a third party autoresponder company is probably the safest route to go, due to the spam issue. In order to safeguard yourself from being accused of sending spam, it is good to use a third party autoresponder service like Aweber or Getresponse for your business email marketing.

The second principle of business email marketing involves creating an email lead capture page. This email lead capture page is just a single page that has the sole purpose of collecting a visitors name and email address.

When designing this page, you want to use direct response marketing principles, so make sure you offer something of extreme value on your landing page in order to get your visitor to respond with their name and email address. In business email marketing, you can just giveaway a free report,ugg boots sale, CD, or even DVD in order to get someone to hand over their information.

The third principle of business email marketing involves establishing a good relationship with the people on your list. The better and stronger the relationship and connection between you and your subscribers, the more powerful your business email marketing will become.

All you will have to do is broadcast an email and like magic, cash will start pouring in. The neat thing is that you did not have to spend any advertising dollars to see these windfalls of profits. This is why business email marketing provides the best return on your investment, due to the zero investment in the first place.

Cars depreciate in value quite quickly and the moment you leave the dealership forecourt you car loses value. Every bump, scratch and mishap that your car goes through will contribute the depreciation of the vehicle and you may want to ensure your car retains as much of its value as possible so when you decide to sells or part exchange you can get a decent price. There are certain ways of doing this without breaking the bank.

The first thing to do is to fix any blemishes as soon as they happen or as soon as you see them. Even if it is the smallest of things like a small chip in the windscreen,74205, this can quickly spiral out of control and a small chip can be easily repaired at minimal expense (some companies will repair it for free if you have a fully comprehensive insurance policy) where as not fixing the chip could prove to be expensive if the windscreen needs replacing in the future.

This also applies for chips in the paintwork and any scratches too,72364, eliminating the problem as soon as you possible will reduce the risk your car rusting.
Regularly servicing your car will also help you maintain its value and this means taking your car to a mechanic on a regular occurrence to ensure everything is in working order. After you have been to see the mechanic, ensure you keep the receipts in a safe place where you can get hold of them easily because when it is time to sell, potential buyers want to know the car has been well looked after and this acts as proof that you have taken care of the car.

Regular maintenance of your vehicle should also include taking care of the interior of the car and ensuring the dashboard, seats and general upholstery are kept in good condition. Not eating, drinking and smoking in your car will help you keep it clean and tidy.

If you have a garage at home then park you car there at night if possible, if not buying a car cover to protect it from the elements. This is an especially good idea in the UK where temperatures are often low which can affect older cars significantly. Excessive exposure to rain,nike Air force, snow and humidity can result in rust which is going to have a detrimental effect on the value when you come to sell it on.
A website is a series of web pages which contain relevant information about a single topic. It can be accessed through the World Wide Web by the end user. Designing a site is beneficial as it draws more visitors and serves the purpose of giving information to more number of users. Web designing has improved over the years which has enabled options like images, tables etc to be added to a page.

Why to design a website?

The simple aspects that are looked for while creating a site are its: content,72655, usability, appearance and visibility. The content is developed keeping in mind the target audience and in accordance with the purpose of the site. The site should be user friendly and should have simple navigation tools. It should follow the same style in graphics and images throughout the site and lastly,new balance 410, it should be visible on the web through search engines. It requires knowledge and expertise to design a Web Design Newcastle,75283, which will help you, build a brand image among viewers.

How to make a good design?

Everyone looks for some factors that can help in making a site interesting and meaningful. Therefore, innovative methods are taken into consideration before making a web design. Below are some simple artistic principles that should be followed while making a good design for the site.

Proximity The related information should be placed in proximity to one another. The concept behind this principle is that it enables the viewer to mentally categorize the information easily. Viewers remember the organized information for a longer time and respond to it quickly.
Alignment The page must be properly aligned which will create a sense of cohesiveness. The viewer will very well appreciate it. There should be a visual connection between the items of the page.
Repetition The site should follow some designs in all the pages. It enables to make continuity among pages. Some elements like color scheme, graphic elements and typefaces should be repeated in all the pages of the site. It helps to create a polished and unique look,73771, which will bind the attention of the viewer.
Contrast- It helps to create interest on the page. This will bind the attention and will force the viewer to read it. The contrast should be effective which means that it should create the desired effect. It helps to organize the information in a proper way. Contrasting large type with small type,www.nikedunkprix.com, smooth texture with rough texture,Supra Chaussure, dark color with a lighter tone and placing small graphics with larger ones makes it more interesting to view and read.

These principles cover up your negative points and give you a chance to prove your skills and expertise in your own field. So,Nike Dunk, don't forget to follow these principles the next time you think to make a website.

Garage Door Insulation

Making sure that your garage door insulation system is efficiently working will lead to lower energy consumption. It has been proven that with proper insulation installed at this door, its energy consumption dramatically decreases causing your bills to also go down. To determine if it is in perfect working condition,nike dunk prix, check the foam panels located inside the door and make sure they are permanently placed with adhesives or fasteners. To correct this problem, you can buy a panel replacement from any hardware store, which also offers panel installation kit for an easier fix. When installing, you must cut the panels in uniform size so they can fit and work perfectly in the door panel sections. Keep in mind that the garage room temperature has an effect in the insulation system so proper installation is very crucial to maximize insulation benefits.

Importance of Home Insulation

In a nutshell, insulation provides the walls of your house an effective layer of protection against excessive heat transfer, which results to proper overall thermal balance. Nowadays, there are various types of insulation materials to choose from, so be sure to buy the one that will perfectly work for your home by examining its quality, effectiveness,www.chaussurenikedunk.com, and material content. When you have successfully chosen one, you are certain to experience benefits which include lowest electricity bill due to improved use of energy, and proper maintenance of perfect home temperature while cooling and heating appliances like Aircons and water heaters become more efficient. Added benefits include reduction of the presence of house pests and insects, and lower risks of leaking gas. Even though you will be required to shed some cash in order to get these benefits,nike air force one, the moment you receive a lower electricity bill will make you believe that it was a good investment at all.

Effective Insulation Material: Foam Boards

There are several materials to choose from for people wanting to insulate their homes such as foam, cellular glass and mineral wool. Foam sprays are the popular insulation materials used to control a rooms temperature, which leads to heating and cooling appliances being more effective and less energy consuming. Another option is by utilizing foam boards that lessen and prevent irritating noises from entering your home by placing them in your walls to act as protective layer. To give customer convenience in getting one that will perfectly fit his wall, these boards come in different shapes and sizes,new balance 1063, and are available in different colors to easily match the theme of any room. If you want guaranteed maximum benefits, you can hire a professional installer to make sure it will work effectively. With proper installation, these materials will definitely last longer and regulate desired air flow in your home for more comfortable surroundings.

Foam Roof Insulation

Foam roof insulation uses a material called polyurethane that starts off as a liquid and immediately dries up as a single layer covering the whole area of the roof. In effect, the roof becomes leak proof as the seams and holes are effectively covered, while also making it stronger against all kinds of harsh weather conditions. This insulation material is the preferred choice of people due to its easy application to any roof size and shape, and making roofs effective for longer periods. In addition, foam insulation requires no maintanance and lasts the longest cpmpared to other kinds of roof covering. Whenever exposed to strong winds reaching two hundred miles per hour,Supra Chaussure, polyurethane insulated roofs will withstand the pressure more than fiber glass roofs can. Certainly, polyurethane is the perfect and cheapest roof insulation material for anyone wanting to get low electricity consumption.

Garage Door Insulation: Uniform Door Panels

To achieve greater savings on your electricity bill, you must examine all insulation systems present at your home and pay more attention to your garage door insulation. It has been proven that with proper insulation installed at this door, its energy consumption dramatically decreases causing your bills to also go down. One effective way to know if your garage insulation system is in good working condition is by making sure that the foam panels found inside the door are immovable and fastened. If there are inconsistencies with the panels, replacements can be availed from hardware shops which also provide installation kit for a more effective installation. Remember that the panels must be cut in same size to perfectly fit the garage doors sections where insulation takes effect. In addition,UGG, the temperature inside your garage affects the working condition of your insulation system so you must install it properly to withstand any extreme weather condition.

Attic Insulation: Installing a Radiant Barrier

Nowadays,nike shox nz, any energy saving method becomes more important as the price of electricity continues to go up. For people living in cold surroundings, one way to get lower electricity bills is by preventing heat from exiting the house,www.moncler-paschere.net, which usually occurs in the attic. To avoid heat loss, you need to install insulation boards in your attic walls. However, this form of insulation is useless during cold season because it can not prevent the rising of hot air, which usually exits in the attic. One quick way to address this problem is to double-up the layer of insulation boards in attic walls, but this can easily become impractical due to the need of large amount of attic space and may even lead to moisture issues as the layers become a giant sponge. When these issues also arises, your best potion is to install a radiant barrier, which deflects suns hot rays from your home in summer time, and direct them back when cold season begins.

Home Insulation Materials

Cellular glass,nike shox shoes, mineral wool, and foam boards are just some of the many materials to choose from to install home insulation. Foams are usually sprayed on floors to effectively control the temperature in rooms, resulting to lower energy consumption as the efficiency of heaters and cooling devices are increased. Another type of foam is called foam boards, which are easily installed in walls to act as sound barriers and decrease the transfer of noise while creating a more peaceful surroundingTo give customer convenience in getting one that will perfectly fit his wall, these boards come in different shapes and sizes, and are available in different colors to easily match the theme of any room. In order to maximize the effects of these insulators, make sure to ask professional help in installation. When properly installed,ugg boots, insulation materials will last longer while giving you the perfect flow of cold and hot air in your house.

Basement Insulation using Fiberglass

In order to have an effective basement insulation, many problems that affect the overall condition of your basement such as leaks and molds must first be resolved. After addressing these issues, your first step is to properly determine which type of insulation will be most effective for your basement. Often, the material used when dealing with basement insulation is fiberglass, which is offered in rolls by many hardware stores. Rolls contain pre cut fiberglass with 8 feet in length, or may reach up to 40 feet depending on the required length for installation. The next step is to know the construction code of your basement because every basement part has a corresponding code. After determining the code, the next step is to put the fiberglass and other insulation materials between the basement walls. Make sure that the fiberglass is cut properly to fit the spaces without touching the walls.

Everyone seeks blessings of god and attempts to approach god in various ways. People follow different religions to live a life with blessings of god. Many people worship god in forms of statues and images. People visit mosque, temple,nike shox shoes, church, Gurudwaras to offer their prayers. People study The Ramayana, The Geeta, The Kuran, The Bible, The Guru Granth Sahib and many other religious scriptures to know and discover God. Now people can also listen devotional music and songs on their electronic gadgets. People are fond of setting interesting ringtones on their mobiles. People of religious nature can set devotional ringtones on their mobiles. The latest mobiles are equipped with mp3 player. These mobiles can store and play mp3 songs. A person can set any mp3 song as his ringtone. A ringtone is generally of 30 seconds and it has a simple work to alert users of incoming calls. But latest development in mobile technology has offered many options to common people to set desired ringtones on their mobiles. There are various sources from which a person can download mobile ringtones of his choice.

Free mobile ringtones are available on various websites. These websites offer different categories of ringtones. Some people may like to download Bollywood songs or some selected tracks from various albums. Categorization helps people to get music of their choice as ringtones on their mobiles. Devotional ringtones are liked by people of all age group and users definitely set these ringtones on religious occasions. Devotional ringtones include devotional music, devotional mp3 songs, devotional prayers, bhajans and chantings etc. People following different religions set different devotional prayers. As all latest mobiles have internet facility,ugg boots, people can easily download devotional ringtones from various websites. If anybody doesn't have internet facility activated on his mobile then he can also download devotional ringtones from computer internet. A person will have to download ringtone first on his computer and then transfer it to the mobile with the help of data cable.

Apart from internet, People can also take ringtone service of their service provider to get one or many devotional ringtones. There are also other popular ringtone service providing number from which a person can get his desired ringtone. If your friends or other people are impressed by your devotional ringtone, you can transfer it to other mobiles by bluetooth.

When people seek various mediums to be in touch with the almighty, devotional ringtones have also come as a medium to connect people to god.
One of the biggest investments that one makes in their lifetime is investing in real estates, especially purchasing a house. Thus it is important that the homebuyers get the deal right. And for that it is better to seek professional help rather than taking advices from friends and family. However selecting a real estate agent often becomes a major issue. The first thing home buyers need to determine is whether or the agent is working exclusively for them. Generally real estate agents either work for the sellers or as dual agents (working for both buyer and seller). Such agents are less likely to bring out the drawbacks of the property. Therefore it is important that the homebuyers are represented by buyers only agents who can look out for their best interests.

Homebuyers must be very cautious while buying a house. The house must be inspected personally and look out for disputes. Also ask the real estate agent to get complete record of the property and verify it with the local federal agencies. This helps to determine if the property has any financial liabilities.

The structural aspects that one needs to check include:

Plumbing of the house including water pressure and leaks.

Piles and roof conditions.

Physical condition of the house like cracked window sills, alterations that are not mentioned in the original plan etc.

Electrical wiring especially the switchboard and power points.

Insulation in the walls, above the ceiling space and under the floor.

In addition, there are several other factors that the homebuyers must consider to make an informed decision. For example, those who want to buy a Columbus home for sale must ask their real estate agent to make a formal inspection of the house. Spending 2 to 3 hours through the house is more than enough to know the house its pros and cons, the type of maintenance that it will require as well as what the buyer can expect in the foreseeable future. It is also advisable to take a professional while inspecting the Columbus home for sale.

This professional inspector will help to point out every drawback of the house that needs to be fixed. And the buyers can make realistic expectations about what could be done; either the seller fix them (if mentioned in the contract) or the buyer can negotiate the amount that will be required to fix the house. However if there is a major defect like structural problem the seller must disclose it to the buyer,nike shox nz, otherwise they could be liable for fraud. In most of the cases the seller fixes these defects. If the seller cannot (or does not want to) fix it the seller can cancel the contract without any liability though one can even negotiate for the cost required to remedy the defect.

It is comparatively easier to detect a major defect in contrast to uncovering major problems. They are either quality related or have cosmetic issues. And it is often harder to get the seller to repair them. However the seller will have to fix those items that are damaging the house like gas leaks, plumbing or roof leaks. A good real estate agent will also recommend a wood-destroying insect inspection while purchasing a Columbus home for sale.

Our children are the most essential people in our lifetimes. When we have to work, and can't care for them ourselves, we need to be able to believe the folks we hire to look after our precious ones. This is when you require to discover the most capable nanny agencies. Several people struggle with the idea of a stranger looking after a their children. Mothers and fathers put an ad in the paper, or ask buddies for guidance. But what about nanny agencies?

Mothers and fathers interview the prospective nanny, and ask all of the right questions, but there's still the nagging feeling that they may possibly not be completely honest. There is no way of knowing for positive. That's when a nanny agencies could be of use. Nanny agencies can provide much more of a thorough screening method than occasion the most diligent mother or father can.

These nanny agencies are temp-to-hire agencies specially built for nannies. Each applicant is screened; every single facet of his or her life is an open book. Nanny agencies do a broad criminal background check complete with fingerprints,www.nike-air-force-one.net, the employment history and check all references quite carefully to eliminate any feasible threat to a kid. Despite the fact that the agency screens every applicant, it's within the finest interest of your child or children to take a peek at the references for your self. Ask for prior customers and meet in the flesh with them. Write down all of the questions you want to ask. Usually, when you have a genuine face-to-face meeting,nike air force 1, you can be nervous and forget what you wanted to ask. When a mum or dad decides to hire nanny agencies, you'll find several things they want to take into consideration.

Initial of all inquire. These people will likely be taking care of your children, ask as numerous question as it takes until you feel comfy with the prospective nanny agency.

1 of the initial questions that ought to be asked is how long the nanny agency has been in organization. It really is not necessarily a poor factor to be a new agency, but with an acknowledged agency references might be furnished and the nanny agency itself will have some sort of reputation. Ask what the placement success rate is. Experts estimate that placing six to eight nannies each month is really a excellent ratio, as long as it really is not the identical nanny being placed.

The question of the rates and fees of the nanny agencies is critical. No one would like to believe that they cannot afford the most capable for their children, but in the present economy, it is hopeless not to take this into account. It genuinely is counter productive to lease a nanny one month, and not be in a position to pay for it the next.

The advantages to utilizing nanny agencies are several. But you'll find also disadvantages. One such disadvantage is the monthly payments. These payments can occasionally be thousands of dollars. If a nanny agency claims have low rates,www.airforcenike.org, be quite wary. An superb agency that has an exceptional reputation can and does charge a really high fee. You're paying for the expertise of the nannies that are within the organization.
A nanny agency can help you make it to the nanny big time if you're just starting out. But there are a slew of options you can choose from if you want to get into NY senior care or childcare. Here are some steps to help you figure out how to make it.

1. Resume: Compile a resume with all of your work experience. This will give potential employers the chance to decide whether you are a match for their children. If you don't have any particular experience in childcare, highlight your other skills and how they translate into these services. You should at least have done some basic babysitting before you want to get serious about nannying or being an au pair, or else you may not know what it is into you're getting.

2. Essay: It doesn't hurt to submit what amounts to a cover letter describing yourself and your experience. This will give employers a chance to understand your character and see if they want it to influence their children.

3. Social Media: Having pictures of yourself online can hurt if you don't take care of those privacy controls,Nike Dunk Low, but it can also be a way to create an image that will appeal to people who need childcare.

4. Join a nanny agency: There are lots of ways to get into contact with people who need nannies, but perhaps the best is by joining a nanny agency or website. If you have to pay extra, it may help.

5. Find families: Apply to families that sound interesting. Send them your resume, essay, and links to your social media site or blog, if you have one.

6. Take note: If you are applying for a live-in position, make sure that you aren't being deceived. If you are determined to be an au pair, and the family offers to pay for your school or plane ticket,Nike Dunk High, make sure to feel it out to make sure you don't wind up in a dungeon or worse.

7. Talk on the phone or interview: This is when you will really get a sense of will you jive. Don't be afraid to be aggressive they need you just as much, if not more than you need them.

There are many perquisites to becoming a nanny. A car is often included, as is house and board. Commute, rent, and even food prices become nonexistent. You may even have a cell phone that you can use on the family's dime. Holiday bonuses are frequent, and you also might be asked to accompany your family on vacation. Being a nanny is one of the more rewarding jobs out there. You are essentially a stand-in parent, and the kids you take care of come to depend on, and might even love you by the time they don't need a nanny anymore. Enjoy the path to nannyhood; there is nothing quite like it.

Setting up a new business or investment venture in Ohio? Interested in minimizing your taxes and maximizing your legal protection? Well, almost surely, you're considering the incorporation versus limited liability company question. And probably scratching your head, too! Fortunately, you can usually come to a good understanding of the two choices and the trade-offs with each by considering four key factors:

Factor One - Formation Costs and Processing Times

Luckily for Ohio entrepreneurs, setup costs are not a deciding factor. Both corporations and limited liability companies cost 125 to file with the Secretary of State.

Furthermore, in Ohio, processing times for corporations and limited liability companies also mirror each other. Not surprisingly, the precise time it takes the Ohio Secretary of State to process formation documents varies depending on the number of other entrepreneurs filing articles. But typically you're looking at two to four days for processing once you've delivered or mailed the articles.

Note: It is possible to expedite this processing by paying extra fees. For an extra 100 your formation documents will be processed within 24 to 48 hours. For 200, your documents will be processed within 12 to 24 hours. And for 300, your documents will be processed within 4 hours.

In short, both corporations and LLCs should be equivalent in terms of cost and time to set up. Other considerations will drive the decision to incorporate or form an LLC.

Factor Two - LLC vs. Corporation Operation and Governance

Even though the cost of setup and the filing time don't differ for Ohio corporations and LLCs,nike shox sko, the governance of the two entities differs significantly.

By an accident of history, a corporation (including an Ohio corporation) creates a framework for individuals who won't be involved in a venture operationally to provide funds to the venture and risk no more than their initial investment.

To accomodate these needs, the stockholders who supply the funds elect a board of directors to meet regularly and oversee corporate officers. In order to make sure that the business runs smoothly, the corporation usually works from a set of corporate by-laws that determine how the business is governed.

Some common rules include requiring that notice of an annual stockholders' meeting be given a certain number of days in advance. Or that, in order to conduct business, the number of stockholders present and the share percentages represented need to reach a certain threshold.

In contrast, the laws that create the limited liability company option in Ohio are intended to make operating the business easy. An LLC may be operated and supervised directly by the owners, much in the way partners run and own a partnership. The LLC's owners (or members) may also appoint one member to act as the manager, thus giving that person full authority.

To generalize, the limited liability company option results in a very simple governance structure that may be totally appropriate for small family-owned ventures. And a corporation provides for much more formal governance such as may be only appropriate when a larger group of individuals band together to fund a bigger venture..

Factor Three - Taxation Issues

Another area where a limited liability company differs from a corporation is the tax accounting.

An Ohio corporation requires both Ohio state and federal corporation income tax returns. Furthermore, an Ohio corporation also means that the corporation must pay wages to people who work in the business--even if the only people working are the owners. It's probably an obvious point, but the requirement to prepare federal and state corporate tax returns and process payroll often represent a significant complication in the business's accounting.

In comparison,www.uggbootsshop-ch.com, an Ohio limited liability company has the option of being treated as a sole proprietorship if there's only a single owner, as a partnership if there are two owners (including a husband and wife), or as a corporation.

This tax accounting flexibility of an LLC delivers a couple of big benefits: First, the business can pick the easiest accounting approach if that's what's important. And,ugg boots ireland, second, the business can pick the accounting approach that saves federal and state income taxes if that's most important.

Note: One option that, curiously, is available to both Ohio corporations and Ohio limited liabilities is the S corporation. An S corporation is really a set of tax accounting rules and conventions that both regular corporations and limited liability companies can use. An S corporation pays no federal income tax. Note that in Ohio corporations (including S corporations) do pay either an annual franchise tax or commercial activity tax.

Factor Four - Protecting Assets and Reducing Legal Risks

In Ohio, by design, both LLCs and corporations protect your assets and minimize legal liability. More specifically, both types of entity mean that someone who invests in the entity isn't liable for bad stuff that happens inside the entity merely by virtue of his ownership.

Note: In a sole proprietorship or partnership,air shox, owners are liable for the debts of the entity merely by virtue of their ownership.

Therefore,moncler doudoune, legal liability protection isn't really an issue to consider when making the LLC vs. corporation choice; you should get the same level of protection either way.

Except for the future of insurance regulation, there was surprising unanimity on leading issues facing the property and casualty insurance industry among both panelists and guests at the Fifteenth Annual Executive Conference for the Property/Casualty Industry. Sponsored in part by Standard &038; Poors, the event in New York on Nov. 20 and 21 drew an audience of property/casualty insurance executives to hear presentations by industry executives, analysts,Gucci pas cher, trade associations and regulators. The principle points of discussion included the current state of the market and the short-term outlook, the future of insurance regulation, asbestos litigation and civil justice reform.
A consensus emerged among panelists at the conference that the property/casualty industry will not see a soft market any time in 2004, despite early signs that the cycle has reached or passed its peak. They cited an array of conditions they believe will keep the market firm, if not hard, for at least another year. Panelists expressed the opinion that the problem of reinsurance recoverables, lagging investment income,dre headphones, reserve increases and uncertainty over the outcome of asbestos litigation will combine with less significant factors to hold prices firm.
The strongest indicator that a softening of the market is on the horizon is the infusion of new capital into the industry, principally through newly-organized insurers and reinsurers in Bermuda. An increase in capital, the panelists acknowledged, ought to exert downward pressure on prices, especially since the new arrivals are not burdened with reserve deficiencies on business written during the prolonged soft market of the 1990s. They reasoned, on the other hand, that the new capital is not sufficient to exert a controlling influence on the overall market. William R. Berkley, chairman and CEO of W.R. Berkley Corporation, pointed out that during 2003 four U.S. insurers wrote off more capital than the entire Bermuda market has available.
Problem recoverables
Panelists offered reinsurance recoverables as one of the factors that will encourage underwriting discipline for at least another 12 months. S&038;Ps Managing Director Steven Dreyer estimated that reinsurance recoverables will reach 200 billion by year-end 2003, approximately two-thirds of the surplus of U.S. property/casualty insurers. The problem this creates does not, however, appear insurmountable. Heidi Hutter, CEO of Black Diamond Group,Canada Goose Norge, pointed out that reinsurers have already collateralized 40 percent of recoverables and have 300 billion of surplus to back the remaining 120 billion of recoverables. Berkley argued that willingness to pay, as well as ability to pay, is an important issue. In support of this position he pointed to growing use of arbitration to resolve disputes that in the past the parties would have settled between themselves.
Whether or not reinsurance recoverables are secure, panelists asserted that ceding companies will have to get use to having fewer AAA rated reinsurers available. Dreyer reported that since Sept. 11, 2001, rating agencies have downgraded 14 of the top 20 reinsurers, and eight have seen their ratings slip more than once. One reason for this may be that the market does not reward higher financial strength ratings with higher rates. All reinsurers on a risk typically receive the same rate regardless of how the rating agencies view them.
Whither insurance regulation
There was less of a consensus on the future of insurance regulation. Agreement among the panelists that there is a genuine regulatory crisis did nothing to dissuade divergent views on how the situation will work itself out. In many ways, panelists views reflected their political beliefs.
Craig Barrington, general counsel of the American Insurance Association (AIA), depicted some type of federal intervention in the regulation of insurance as imminent and inevitable. In a survey of state laws, he reported, AIA found more than 350 price control laws that apply to the property/casualty industry, and more than 250 form review laws. Insurers, he asserted, cannot be efficient while carrying regulatory overhead of that magnitude. Barrington described efforts to reform state regulation of insurance as inadequate, accusing state regulators of a fixation on price control and hostility to product innovation that are out of place in a world of high technology and globalization. By passing the Gramm-Leach-Bliley Financial Services Modernization Act and the Terrorism Reinsurance Act (TRIA), he continued, Congress has shown that it can and will act to address important insurance issues. TRIA, he went on, vests the power to regulate insurance in the Department of the Treasury, an agency he said behaves in a professional and businesslike manner, supportive rather than hostile to the insurance mechanism.
New York Superintendent of Insurance Gregory Serio said that he does not think it will happen the way Barrington predicts. He laid the blame for much of the bureaucratic delays in state regulation on the industry, accusing property/casualty insurers of not keeping up with regulators.
He pointed out that life and health insurers make as much as 70 percent of their filings on a speed to market basis, completing all the required filings on the departments Web site. The department receives no more than 8 percent of property/casualty filings via that route. He said that the insurance department wants to get out of the business of approving forms, and cited as an obstacle a reluctance among property/casualty insurers to take responsibility for certifying that filings are in compliance with New York law. Is the industry, he asked, ready to modernize along with the regulators? The clear implication of his presentation is that they are not.
No solution to asbestos in sight
Asbestos litigation, panelists and the audience agreed, will continue to be a factor for the foreseeable future. AIGs Greenberg described the asbestos trust fund currently working its way through Congress as a bad idea. It will not work, he asserted, because it cannot satisfy all interests. Insurers feel that it demands too much of them, defendants argue that insurers are not paying their fair share, and unions are looking for more from both insurers and defendants. He proposed instead a solution that incorporates compensation based on defined medical criteria, consolidation of claims in federal courts and a cap on legal fees. Insurers, defendants and unions, he argued,www.canadiangoosesale-ca.com, will support a solution that embodies these principles, leaving trial lawyers as the only constituency that will oppose it.
Tort reform, a closely related issue, also drew attention at the conference. AIAs Barrington said he believes that if insurers, the business community and sympathetic legal scholars get involved, tort reform at the state level is possible. The key to changing the system, he urged, is getting good judges at the top of the state court system, particularly in states where supreme court justices are elected. The trial bar, he asserted, owns these justices because they have historically been the most concerned about getting their people on the court. We change it by putting our money where our views are, he said. We change it by getting involved, getting involved politically.
Greenberg described a need to attack the problem at both the state and federal levels, and had both high praise and hopes for civil justice reform legislation working its way through Congress. He also urged using insurers power to withhold investment in municipal bonds of states with the most egregious tort systems, and drawing other segments of the business community into the battle. Its not an insurance problem as much as it is an economic problem, he argued. The country is suffering from our tort system. It has a profound effect on economic growth. It accounts for about 2 percent of our GDP,canada goose jakke, and going up to 3 percent in another few years. Its an enormous burden on our country, so its everybodys problem.
Joseph F. Mangan is the author of four textbooks on commercial lines underwriting. He brings more than 25 years of experience in P/C underwriting to his current position as consultant, author and editor.

From This Issue

December 15, 2003Insurance Journal West Magazine

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2004 Forecast Issue

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Once again, people are ready to watch Mentalist, the police procedural drama that has always left a spine-chilling impression on the viewers. With the release of its latest installment of season 3, it has increased the expectation of the people and they are waiting for the upcoming episode 15 to release as soon as possible. Moreover, they are looking for an online portal too, in order to catch a glimpse of the show in crystal-clear quality.

People, who have missed the recently-aired entertainment, must have a question in their mind. Why are people so antsy to watch Mentalist season 3 episode 15 online as soon as it releases? The answer to the question lies in the previous batch of fun. Therefore, lets try to answer the question before getting into the details of the lined-up blast of delight. People,20522, who have seen the episode, can refresh their minds with the description.

The previous load of fun, grabbed the viewers attention with a unique case. Probably,19756, for the first time, an eye witness was murdered, who was assigned under the protection of a CBI Agent. The murder became the talk of the town and soon Van Pelt, who was supposed to be responsible for the protection of the witness, was questioned.

The involvement of CBI Agent in the murder brought millions of viewers to catch a glimpse of the show. Like the previous installment, people must have decided to download Mentalist S03E15 too, after its official release. However,moncler prix, theres no harm in getting spoilers of the next segment, is there now?

This upcoming installment entitled Red Gold, will focus on another murder mystery. When you watch the police procedural drama Mentalist through an online portal, you will find that the story revolves around the murder of a modern-day prospector. The body will be discovered close to a mining site. During the investigation,UGG Boots,20620, Lisbon will get injured. As a result, CBI Chief Agent Madeline Hightower will hit the field.

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Troubled residential mortgage and credit markets hurt American International Group Inc.s third-quarter profit. Net income fell 27 percent compared to the third quarter last year. The giant insurer reported losses in its investment portfolio, credit-swap portfolio and mortgage-insurance business.
Net income for the third quarter of 2007 was 3.09 billion or 1.19 per diluted share, compared to 4.22 billion or 1.61 per diluted share in the third quarter of 2006.
Third quarter 2007 adjusted net income was 3.49 billion or 1.35 per diluted share, compared to 4.02 billion or 1.53 per diluted share in the third quarter of 2006.
Included in both third quarter and nine months 2007 net income and adjusted net income was a charge of approximately 352 million pretax (229 million after tax) for a net unrealized market valuation loss related to AIG Financial Product Corp.s (AIGFP) super senior credit default swap portfolio.
AIG said it continues to believe that it is highly unlikely that AIGFP will be required to make payments with respect to these derivatives.
Commenting on the third quarters results,www.canadagooseprix.net, AIG President and Chief Executive Officer Martin J. Sullivan said that the company could handle the mortgage conditions. While U.S. residential mortgage and credit market conditions adversely affected our results, our active and strong risk management processes helped contain the exposure. Our balance sheet remains strong with the financial resources to weather continued uncertainty as well as to take advantage of attractive market opportunities as they emerge.
While the mortgage guaranty business reported an operating loss in the quarter,goose coats, the companys domestic brokerage,canada goose Jakker, aircraft leasing and asset management reported operating income growth. General insurance and life insurance operating income declined.
General insurance third quarter 2007 operating income declined 3.4 percent to 2.51 billion compared to the third quarter of 2006.
Improved underwriting results in the Domestic Brokerage Group were offset by a 215 million operating loss in the Mortgage Guaranty business and declines in operating income in the Personal Lines and Foreign General businesses.
The third quarter 2007 combined ratio was 90.17, compared to 89.10 in the third quarter of 2006.
Third quarter 2007 General Insurance net investment income increased 1.8 percent compared to the third quarter of 2006,monster beats, which included 213 million of income for an out of period adjustment for unit investment trusts and partnership income.
Domestic Brokerage Group third quarter 2007 operating income was 1.89 billion, an increase of 24.5 percent compared to the third quarter of 2006. Improved underwriting results reflect favorable loss trends in recent accident years across most lines of business. Third quarter 2007 net premiums written declined slightly to 6.01 billion compared to 6.07 billion in the third quarter of 2006. Premium growth in risk management, accident &038; health and program business offset the effects of increasing competition and rate declines in property and most casualty lines.
Personal Lines third quarter 2007 operating income was 28 million compared to 133 million in the third quarter of 2006. The decline in operating income was due primarily to unfavorable loss reserve development in prior accident years from discontinued businesses, together with transaction and integration costs related to the acquisition of the minority interest in 21st Century Insurance Group. Net premiums written increased 7.8 percent compared to the third quarter of 2006, the result of continued growth in the AIG Private Client Group and stronger growth in Agency Auto and aigdirect.com,gucci chaussures, its newly combined direct auto business.
Source: AIG

Unlike many lines of insurance, the fine arts and collections market has so far managed to avoid the difficulties of a hardening environment. But is it robust enough to carry the industry through tough times? Maybe not, since the base of potential insureds has traditionally been limited to wealthy individual collectors, corporate collections, museums and galleries. However, the success of PBS Antiques Roadshow, the accessibility of collectibles and information over the Internet, and the economic expansion of the last 10 years have enlightened more people to the value and joy of collecting, whether it be fine works of art or teddy bears.
Unburdened by tremendous catastrophes and dramatic losses, and blessed with plenty of capacity in the Lloyds market, the business of fine arts insurance is profitable and competition is robust. A number of domestic insurers-Chubb, AIG, ACE, Zurich, and Atlantic Mutual to name a few-are pursuing the art insurance business and for at least one insurer, AXA Nordstern Art, insuring art is the only thing they do.
We are all chasing the same animal, said Dr. Dietrich von Frank, president and CEO of AXA Nordstern Art, the affluent private collector, the 400 to 500 million exhibition, the 400 to 500 million museum, the 100 million art gallery, the 200 to 300 million corporate collection. Dr. von Frank noted that a stable or slowly increasing market of collectors, museums and galleries has helped keep the market profitable. He said AXA Nordstern Art has enjoyed a combined ratio of 85 to 86 percent, on average, over the years.
While whispers of a tighter market are issuing from London, no such change has affected the market so far, according to John Tommaso, assistant vice president of the inland marine unit of Westchester Specialty, a division of ACE USA. What Ive been told, said Tommaso, is that Lloyds is tightening up on a lot of these things, but Ive not seen it yet. AXA Nordstern Arts von Frank echoed Tommaso, stating, reinsurers in Lloyds and also domestically have told us that the next renewal round we would face higher reinsurance rates.
A key aspect of the fine arts market, and one that may serve to protect it from becoming overly difficult, is its global, dynamic nature. Its an international marketplace, said Dorit Straus, Fine Arts Specialty manager for Chubb Worldwide. There isnt one market for Texas and another for New York. Fine arts falls under an international marketplace because fine arts is what we call a floating exposure-with things moving from place to place.
Internationally, fine arts hasnt seen those kinds of increases that have happened in other areas, Straus said, but thats not to say underwriters havent refused some of the pricing. Particularly on the commercial side-on museums and traveling exhibitions and galleries-where were beginning to hear of some changes happening particularly in the London marketplace about certain underwriters changing some of their underwriting criteria with respect to fine arts. Ive been hearing some things about it,sac gucci pas cher, but it hasnt yet had a great effect on the international market for fine arts.
On the high-end, avid, serious collectors are usually well informed about the value and significance of their collections. They keep up with activity in the art world, and generally are aware of whats hot and whats not. But programs like the Antiques Roadshow, sponsored by the Chubb Group of Insurance Companies, have awakened many more people to the potential value of their heirlooms and personal collections. As a result, people are becoming more informed about fine arts, collectibles, antiques, and other valuable objects. They are beginning to look at their collections and are beginning to think-maybe its worth more than I thought, said Strauss. Theres been a general awareness nationally and also internationally, because theres a UK version of the roadshow.
At a recent stop of the Antiques Roadshow, in Indianapolis, a previously unknown N.C. Wyeth painting of biblical subjects, including Christ, surfaced and was appraised at 250,000. It was one of the most valuable items uncovered in the shows history. And Chubb found out, through a survey conducted at the Indianapolis show, that while attendees hoped the items they brought were worth a fortune, over 40 percent reported that their treasures were underinsured.
Fine arts policies are often divided into three categories: personal collections, commercial accounts, and museums. The different varieties of policies tend to have different valuation clauses.
As a rule with personal collections each item has a scheduled value so there is a clear understanding of worth in the event of a claim. Strauss guessed that around 95 percent of all personal and corporate collections are insured with every item scheduled. In many cases people want to have every item scheduled, said Strauss. Because they want to establish a value, want to agree to it beforehand with the company so in the event of a lossyou know exactly what youre going to get.
When an individual has a vast personal collection or is an avid collector that buys and sells frequently, some type of blanket policy or loss-limit policy may be more appropriate. Some private collections are so large, said Straus, they are larger than museum collections and sometimes they tend not to be listed individually. But these are the more unusual collections-the top line of collections. For these, Chubb may write the policy with loss-limits if they are extremely large or they may be written on a blanket limit to cover all locations.
For an individual who collects in various fields or one who tends to upgrade the collection frequently, a blanket approach may also be better. Lets say you collect contemporary paintings and sculpture, said von Frank, but you also collect antiquities, you collect French furniture and you collectMexican artit would be a horrendous burden on the collector to constantly flood the broker and us with invoices.
So AXA Nordstern Arts approach would be to ask the collector to identify an average value for the collection-whether 50 million or 25 million-and establish coverage for that amount. Then, if the individual has occasional acquisitions valued at 1 million or 2 million per piece, additional identification would be required for those pieces. But the policy would have a 90-day acquisition clause that gives them the leeway to acquire it and its covered automatically, said von Frank. After 90 days you would want to have some substantiation of the actual purchase.
Personal collection insurance can be provided as an add-on to a homeowners policy or through a separate policy. Chubb offers two options. One is a broad homeowners form that would include a smaller collection in the homeowners coverage. But if they wanted to have a floater or a valuable articles policy, said Strauss, which is not just for fine art, its also for other collectibles-people can have stamp collections, jewelry-that can be scheduled individually with specific terms and conditions to the collection itself. She added that Chubb recommends that people schedule their valuable articles on a separate policy so they can be sure that they are getting the broader coverage.
Westchester covers personal collections primarily through the personal homeowners policy, but AXA Nordstern Art provides coverage on top of the homeowners insurance. The brokers would select us for specific arts and collectibles insurance, said von Frank. Because these large, general carriers do have capacity issues. If we cover a 5 million homein Palm Beachand the contents are 1 million and you have on top of that a 20 million collection, I dont think that the general carriers would be able to come up with the capacity. And thats not just the case in Florida, its the case in Connecticut, in Illinois and California. Its the case in Dallas. Its all a question of capacity. Von Frank added that the majority of his accounts are personal collections.
Commercial accounts, including galleries, dealers and corporate collections, may be covered in various ways. Loss limits, inventory, cost-plus, selling price minus, base of evaluation, and transit limits on the gallery front, are all variables on which coverage for commercial accounts could be based.
Exhibits and museums with huge collections are almost always insured on a loss-limit basis, due to the improbable task of evaluating separately the hundreds or thousands of objects that a museum may own. They (museums) cant afford to insure every individual piece and have everything listed, said Strauss.
Take a museum youre familiar with in Texas-say the Amon Carter Museum (in Fort Worth)-whatever they have on their walls is an insignificant amount of what they have. Youd have to duplicate the museum catalog inventory to list everything, so museum collections have to be done differently-they are insured on a loss-limit basis.
Movies, such as 1999s The Thomas Crown Affair with Rene Russo and Pierce Brosnan, like to glamorize the world of fine art theft. In Thomas Crown, super-suave, super-rich Crown (Brosnan) pulls off daring heists of famous Impressionist paintings just for the thrill of it and sweeps sharp-as-a-tack, tough-cookie insurance company investigator Catherine Banning (Russo) off her feet in a sophisticated game of cat-and-mouse.
But in the real-life world of insuring fine-art collections, theft, while it is certainly a concern for collectors and insurers alike, is not the number one risk to the security of a valuable object. Moving it around is.
Art moves around a lot-collectors and museums buy, sell and lend, and exhibitions travel-and damage in transit ranks at the top of insurers list of potential dangers to fine works of art. Transit is definitely something that all fine art underwriters will agree is a potential for damage, said Strauss. And the damage may not be a total loss, she added, stressing that items must be properly packed and shipped with an appropriate carrier who knows how to ship fine art. Nothing against the U.S. mail, but if youre going to be sending expensive works of art, youd want to have additional protections and appropriate transportation means-a van equipped with air ride so its not going to get bumped. Straus added that transit can also increase vulnerability to theft.
The risk of damage during transport is so severe that AXA Nordstern Art has excluded non-specialty shippers like Federal Express from its policies. The most desirable collection from an insurance perspective is the private collector that quietly collects, said von Frank. One that sends one or two objects to an exhibition once or twice a year, but basically the collection is stable in his or her home.
Water damage, smoke and fire, and changes in atmospheric conditions round out insurers list of top risks to works of art.
Risk Control
For Westchester Specialty, Chubb, AXA Nordstern Art, and presumably other players involved in the fine arts market, monetary coverage of valuables is only part of the game. Because of competition and the nature of the items being insured customer service is one area on which insurers rely to distinguish themselves from rest of the pack. The range of services provided to clients run the gamut from referrals for appraisers to advice on hanging, framing and environmental controls, and evaluation of security systems.
ESIS Risk Control Services, a division of ACE USA, works in tandem with Westchester Specialty to provide customers with risk management services. Christine Galzerano, national program manager for ESIS, said that when first working with a client, she conducts an initial interview, to find out about the clients operations, policies and procedures. Galzerano then does an actual walk through of the facilities-looking at things like the mechanical systems, the HVAC systems, basements, walkways, security systems throughout the entire facility. The client would receive a letter of confirmation and if areas needing improvement were found, Galzerano would provide recommendations, spelling out exactly what needs to be done.
What we would do is go to the home, said Straus. We would evaluate conditions, and either tell them everything is fine, or else we would make recommendations for improvements in how things should be displayed. Areas of concern that the company looks for range from whether theres an overabundance of daylight or direct sunlight that could fade a work of art to things like security and fire detection systems. We definitely have people who are experts in knowing what to recommend to people about improving conditions at their homes.
AXA Nordstern Art works with the broker and homeowners carrier on assessments of security issues. If it comes to hanging, if it comes to framing, if it comes to advise on humidifying or dehumidifying or whatever, said von Frank, should the broker like our advice we are happy to give advice. All we do is art insurance so we might as well give advice.
Von Frank said that the claims aspect of our business is the most fascinating and the most difficult. He added that collectors really need to make sure that the carriers adjuster is knowledgeable and warned that in the event of a claim, collectors should stay away from public adjusters.
Galzerano summed up the business of risk minimization saying, the funny thing about risk control is that you never really know what might have happened, but if we fix something and prevent it from happening, weve done our job.
Theft is an Issue
Although theft may not be the highest item on insurers list of concerns when it comes to fine arts coverage, it is by no means ignored. Its definitely an issue, said Straus, In New York, two months ago, a Chagall was stolen from the Jewish Museum. So theft is an issue, both for cultural institutions and for personal collections.
Two major resources in the recovery and investigation of art theft are the FBIs Art Theft Program ( and the independent Art Loss Register ( www.artloss.com). An essential element of the Art Theft Program is the National Stolen Art File (NSAF), a computerized index of stolen art and cultural property as reported to the FBI by law enforcement agencies throughout the U.S. and internationally. It consists of images and physical descriptions of stolen and recovered objects, in addition to investigative case information.
The Art Loss Register is private database of stolen and missing works of art, antiques and valuables. With offices in London, New York, Dusseldorf, and Dublin, one of the programs main objectives is to assist law enforcement agencies in identifying and recovering stolen works of art. The Art Loss Register also maintains a schedule of art and other valuable items granted as collateral to banks and other financing institutions.
One of the most daring and still unsolved art thefts in recent U.S. history occurred in 1990 at the Isabella Stewart Gardner Museum in Boston. During the night of March 18 two thieves dressed as Boston police officers entered the museum and removed 13 rare art objects. According to the FBI report, the thieves gained entrance to the museum by telling on-duty security personnel that they were responding to a disturbance call within the compound.
Contrary to museum regulations, the security personnel allowed the imposters into the facility. The thieves abducted the security guards, binding them with duct tape and securing them with handcuffs in the museums basement. No weapons were used by the intruders.
Although a panic button was located behind the guards watch desk area, it was not activated and no actual police notification was made during the robbery, and the subjects took the video surveillance tape when they left.
The total value of the stolen artwork has been estimated at as much as 300 million. The confiscated pieces include the following:
From the Dutch Room Gallery
? Vermeer, The Concert, Oil on canvas, 72.5 x 64.7 cm.
? Rembrandt, A Lady and Gentleman in Black, Oil on canvas, 131.6 x 109 cm. Inscribed at the foot, REMBRANDT. FT: 1633.
? Rembrandt, The Storm on the Sea of Galilee, Oil on canvas, 161.7 x 129.8. cm. Inscribed on the rudder, REMBRANDT. FT: 1633
? Rembrandt, Self-Portrait, Etching, 1 3/4 x 2, (Postage Stamp size)
? Govart Flinck, Landscape with an Obelisk, Oil on an oak panel, 54.5 x 71 cm. Inscribed faintly at the foot on the right; R. 16.8 (until recently this was attributed to Rembrandt).
? Chinese Bronze Beaker or KU, Chinese, SHANG DYNASTY, 1200-1100 BC; height of 10 , diameter of 6 1/8, with a weight of 2 pounds, 7 ounces.
From the Short Gallery
? Degas, La Sortie Du Pelage, pencil and water color on paper, 10 x 16 cm.
? Degas, Cortege Aux Environs De Florence, pencil and wash on paper, 16 x 21 cm. (This and the above were originally in a single frame.)
? Degas, Three Mounted Jockeys, Black ink, white, flesh and rose washes, probably oil pigments, applied with a brush on medium brown paper, 30.5 x 24 cm.
? Degas, Program for an Artistic Soiree, Charcoal on white paper, 24.1 x 30.9 cm.
? Degas, Program for an Artistic Soiree, A less finished version of the above, charcoal on buff paper, 23.4 x 30 cm. (This and the above were originally in a single frame.)
From the Blue Room Gallery
? Manet, Chez Tortoni, Oil on canvas, 26 x 34 cm.
Elements of a Correctly Prepared Appraisal
(Excerpted from Art &038; AntiqueValuation: Insurance for Fine Art Objects, byt eh Inland Marine Underwriters Association)
Several elements combine for a correctly prepared appraisal. The name and address of the client/owner must be clearly stated, indicating that the client has a clear title to the object. The address implies that the object would have to be replaced locally, within a reasonable geographic area. Moreover, that the appraisal is written for insurance purposes must be clearly specified.
The most common insurance valuation is replacement value, defined as the amount it would take to replace an item with one of similar like, kind and quality purchased in an appropriate market. The appraiser must select the most suitable marketplace. Generally, the most common market for insurance purposes is the retail gallery marketplace or auctions.
The valuation approach often used in insurance is the market comparison approach or comparative market data approach, which requires the appraiser to determine value by comparing the appraised object with prices asked by dealers of similar objects. Another, less frequently used approach is the income approach, which may be appropriate if the insured object is used to generate income,www.canada-goose-norge.org, such as in an art-leasing program, whereby the value should compensate for loss of income.
All insurance appraisals should contain a generic market analysis for the type of objects to be covered. The appraisal should state whether the market is stable or volatile, alerting the insurance carrier that more frequent appraisal updates may be required..
Also, the history and provenance of the appraised objects should be provided. The global environment of todays art world has brought to light many areas of contested title. Additionally,canada goose outlet, a work whose title and provenance is undisputed will be worth considerably more than one that may be the subject of protracted litigation. The names of dealers who sold the objects to the client should be duly noted. There should also be a short summary of the appraisers qualifications included in the report and a curriculum vitae should be appended to it.
Certain critical dates should be memorialized, including the date of inspection, the date the report is finalized, and, most importantly, the effective date of valuation, which should be decided between the client, the insurance carrier and the appraiser.
It is preferable for insurance appraisals that objects be physically inspected at the premises where they are located. This guarantees the appraiser has checked the objects thoroughly, noted any prior damage and has viewed the objects in situ, thus providing an extra level of security oversight for the insurance carrier.
The appraisers fee structure should be clearly stated in the report. Appraisers may charge their clients on a set fee basis, an hourly basis, a per object basis, or other agreed upon method.
All appraisals should contain complete descriptions of appraised objects, as well as a list and related analysis of comparable objects of similar value. While ranges of value are sometimes unavoidable, specific values should be offered wherever possible.
A multiple page appraisal should have items numbered in sequence, with each page numbered X of Y then initialed or on the appraisers letterhead. The customization of each page prevents unscrupulous parties from inserting or substituting a page. The system of organization must be consistent throughout the document.
Appraisal Organizations
The profession of appraising personal property is largely self-regulated. Since personal appraisers are not subject to government licensing, there are no regulatory standards promulgated by state or federal licensing agencies.
The umbrella group of all major appraisal organizations-The Appraisal Standards Board of the Appraisal Foundation-has written the Uniform Standards of Professional Appraisal Practice (USPAP), as an authoritative document covering methodology for all types of appraising.
The three major U.S. based non-profit international appraiser organizations are the Appraisers Association of America (AAA), American Society of Appraisers (ASA), and International Society of Appraisers (ISA). Each group has written on aspects of appraisal methodology for all types of personal property appraising, including appraising for insurance purposes.
How to Describe a Work of Art
The Getty Information Institute commissioned the codification of a universal system for describing works of art, Object ID. This system has identified nine basic components: type of object, materials &038; technique, measurements,beats studio, inscriptions &038; markings, distinguishing features, title,canada goose jacket, subject, date or period, and maker. The ASA and AAA have endorsed Object ID, as well as the IMUA for the insurance industry. All insurance appraisals should contain these nine elements in the description of insured objects of significant value.
10 Tips for Protecting Fine Art
(Source: Chubb Group of Insurance Companies)
Keep art collections out of direct sunlight. Bright light, especially ultraviolet light can cause severe and sometimes irreversible damage to many types of artwork. Particularly vulnerable are works on paper, textiles and photographs.
Install UV filtering protection on windows in rooms containing fine art items.
Do not place artwork or valuable objects above a working fireplace. Heat, smoke and ash are potential hazards to fine art pieces.
Install smoke detectors, not heat detectors in rooms with precious objects. Heat detectors will do little to protect against soot and smoke damage. Detector should be placed within 100 feet of the valued object.
Do not store fine art items or carpets in basements or attics. Atmospheric changes in these areas tend to be dramatic and these spaces are subject to flooding and leaks.
Hire a professional art hanger recommended by a trusted source. A professional art hanger is more likely to use proper hardware and structural supports than a general contractor.
Keep home at a constant 75 degrees Fahrenheit and 55 percent humidity. Install a compact and inexpensive digital thermohygrometer to monitor temperature and humidity.
Frame all art, especially works on paper, textiles and photographs. Use museum quality materials such as shatter-resistant fronts and corrugated polypropylene backings.
Install water alert sensors in areas of the home with high potential for water damage. These areas include above ceiling trays and underneath washers, dryers and radiators.
Avoid installing a valuable object on a fa?ade wall or one with exterior exposure. Fa?ade walls may be unstable and perimeter walls are more vulnerable to water seepage from the outside.

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Traditionally, the role of a kitchen was restricted to cooking and dining. However, in the modern home set up, kitchens have evolved as a space for social gatherings as well. As the most important place for family conversations,30875, the look and feel of kitchen has a significant impact on the members of the family. A well-organized kitchen enhances the pleasure of cooking and dining. To serve the new role of a social space, fitted kitchens provide the best solution. Sporting excellent designs, these structures come with a great sense of luxury and functionality.

Planning for a Fitted Kitchen: What to Look for?
Fitted kitchens are available in a range of designs. To select a kitchen suited to you and to your home, consider the following points:

Analyze your existing kitchen and make a list of your requirements. Focus on the ways to simplify the process of cooking. For example, you can estimate the number of cabinets required for storage.
Measure the kitchen area with great precision. Create a rough diagram of the kitchen with exact measurements. Mark the placement of doors and windows in the kitchen. It will help you select from different fitted kitchen designs available in the market.
List the number of appliances, such as refrigerator, microwave, washing machine and so on. It is best if you can plan their placement according to your requirements, well in advance. The concept of the golden triangle (installing refrigerator, cooker and sink to form three points of a triangle) is considered an ideal placement.
Consider the supply of services such as electricity, telephone line and water. Also, mark the expected drainage system in the layout.

It is confusing to consider these small, but essential,31747,Nike Dunk Low,31872, details once you set out for the actual shopping. Thus, planning always helps to make an informed decision.

How to Choose a Fitted Kitchen
Fitted kitchens are the order of the day in the building industry. There is a huge and bewildering range of different varieties of fitted kitchens, from the traditional to the ultra modern,air force shoes, available in a wide selection of colours, woods and finishes. This makes choosing one rather difficult. To make this process easier, one should stick to the basics,31774, such as:

Requirements: Based on the details mentioned in the layout plan, select fitted kitchen designs that match the space and appliance requirements. Look for what facilities are covered in a kitchen design.
Cost: Pricing remains the determining factor for a majority of the families. Look for designs that fall within your budget. Remember,31789, investment in a fitted kitchen is a smart decision. It makes your kitchen appear luxurious and adds to the market value of your house.
Longevity: Examine the raw material used to manufacture different components of the kitchen. Are they durable enough to pay for their cost?
Lifestyle: Mostly,nike air force 1, people want to buy a kitchen that will reflect their standard of living. If budget is not a limitation,Nike Dunk Low, you can look for luxurious kitchen designs.
Installation cost: Check the cost of kitchen fitting. This will vary between suppliers and manufacturers.
Service: Opt for a company that offers high quality after-sales service. Read blogs, testimonials and forums to know which companies you can rely upon. Youll want to use an organisation that takes away their unused waste materials and cleans/vacuums behind them, leaving just your tidy new kitchen.

A fitted kitchen is a big investment when it comes to home remodelling. It is essential to buy a good quality fitted kitchen that aligns with your requirements and has a long life. To this end, you should search the market for different products and companies. This will help you get the best deal at an affordable price. For example, oak kitchens are considered a good choice for their fine texture and longevity. However,nike air force, you may prefer traditional pine or even a sleek modern kitchen.

The Medigap offerings or the Medicare supplement plans have been standardized by the Centers of Medicare and Medicaid Services (CMS) in 1992. Though Medigap policies were also available prior to that but the seniors possessing the plans prior to 1992 are still under non-standard plans. But these plans are no longer eligible for the new plans. It is to be mentioned that the Medigap or the Medicare supplemental Insurance Plans are sold by the private insurance companies and there are no government sponsorship behind them. And for that reason the insurance policies may vary from state to state. According to the law, the companies can offer only 12 Medicare supplement insurance plans. And these plans are named from A through L and each plan provides different sets of benefits. In 2006 it has been clearly stated that the Medigap Plans H, I, and J, cannot be sold to people with prescription to drug benefits, although there is a lax of this rule for people who already have those plans and they can keep them.

You must have Medicare Part A and Part B to buy a Medigap policy. Plans E, H, I, and J will no longer be for sale after May 31, 2010. Effective June 1, 2010,Nike Dunk High, there will be two new Medigap Plans offeredPlans M and N. In addition, benefits for Plans A, B, C, D, F, and G will change. You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you each will have to buy separate Medigap Insurance Plans. If you want to drop your Medigap policy, contact your insurance company to cancel the policy. Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company cant cancel your Medigap policy as long as you pay the premium.

Many experts recommend using a financial planner or some other qualified professional to help you choose a good Medigap plan. You might want to talk to the health care providers you are currently using. The best time to buy a Medigap Insurance Plan is the Medigap open enrollment period. This period lasts for 6 months and begins on the first day of the month in which you are both 65 and older and enrolled in Medicare Part B. But besides open enrollment the issuing insurance company may also put forth the requirement of medical screening and also may obtain an attending physicians statement if it is felt necessary. But the thing that should be kept in mind is that this policy is not compatible with any other forms of private medical coverage as for example a Medicare Advantage plan. And all the Medicare Supplement Insurance Companies have to follow the law and orders set by the government yet they may vary their Medigap Premiums according to their whim.
So many people these days have bad credit or no credit and obtaining a loan the traditional way from a bank or a credit union is all but impossible. This is why payday loans that you can apply for on the Internet have become so popular. A person can sit at their own house and make out a loan application without every one in town knowing that you had to get a loan. It is private, fast and easy for the most part. There are no credit checks to worry about.The application process is usually not that difficult. It will depend on whether or not you choose a no fax payday loan site or one that requires that you do fax them the information they require. Most on line payday loan sites work in basically the same way, however services, fees, renewal terms and pay back periods can vary from place to place, so always read all of their information very carefully to make sure you fully understand the terms of your loan.If you are worried about the information that you will be required to provide a payday loan site, you shouldn't be. They don't want need to know your entire family history. It is simple stuff like your name,cheap nike air force 1, address and phone number. They will want to know where you are employed, how long you have been there and how much your monthly income is. Then you must provide them with your checking account information and social security number. Most places require that your account be at least three months old and it must be in good standing as well. A driver's license or state Identification card number is likely to be needed as well. It just can't get any easier than that to get a loan. Once you have met the requirements and they find no problem with your information, you are more than likely going to get your loan. When it is due, it will be automatically deducted from your checking account and it will be up to you to make sure the money is in your account or make other arrangements ahead of time so you can stay in good standing with the company and not get into any trouble. Renewals are usually possible, but make sure you understand how to go about it before the situation arises and contact the loan company ahead of time.Payday loans can be a great back up plan when you need extra money for an emergency,nike air force 1, an overdue bill you forgot or just for a special occasion that is important to you. If you always stay in good standing with the payday loan company you do business with, you should not have any problem getting loans in the future as long as you meet their requirements.

Are you at a dry spell in you life in regard to romance? If so, there is no need to worry. There are many ways in which you can restore that steamy romance in your relationship. As the glue that holds the relationship together, you need to start by recognizing the importance of romance. You must remind yourself of the days when steamy romance was center stage in your relationship. When you were first together, sparks would fly. Those sparks can definitely be rekindled to create something very beautiful and worthwhile. Relationships have different challenges but common problems. If yours is a deep rooted problem, you need to confront it. In other words, it is necessary to resolve issues that you may have. For example, one lovely couple who began on a leg of bliss and romantic magic reached a point where all was never the same again. After 10 years of marriage, the couple had two lovely children and all was well until the husband expressed his wish to have another baby.

The wife could not have it and, they became estranged due to this unresolved issue. Such stalemates have the capacity to bring your relationship down to its knees. The romance in the marriage was killed because the man and wife could not bring themselves to a point of compromise. The key word is compromise. To resolve issues in a marriage, you must be willing to step down from your hard line stand for the sake of your union. Therefore, it is not until you resolve your problems, that you will be in a position to rekindle that exciting and steamy romance. Once you reach a compromise, you still have other things to consider. Steamy romance is brought about by great ideas. In the modern age, you need to move with time and employ new and creative ways of pleasing your spouse. For example, you can surprise your spouse with a spa experience.

This way, you will be responsible for the sensual massage. Find all the sweet smelling aromas that will compliment the experience. For that steamy romance, everything needs to be perfect. The best way to do it is through personalization. This means that you should incorporate all the things that your partner likes. Romance in this manner will not require you to part with lots of money. All you have to do is try different things. Your mission is to make your partner feel like they are on top of the world. When this is achieved, your partner will not have any problem returning the love. This is the beauty of romance; what you give is what you receive. Do not forget that the role of being romantic is not for one partner. Do things for each other because you are equal partners. Looking for ideas does not hurt. You can easily find brilliant ideas online on how to be romantic. You need to personalize those ideas so that they can work for you in the way that you desire. Have fun as you reclaim what you lost in regard to romance.
Online computer security is one of the much debated topics in the todays information technology domain. You certainly dont want your personal information to be hacked by someone. Here comes the importance of PC security support. Normally, when your computer is not connected to the internet, there is very little chance or no chance to access your critical information. But when you connect your PC to the internet, the chance of data theft becomes very high.

Lets have a look at the ways in which circumstances your online security is compromised. When you open an infected email, a virus is transmitted and it makes your computer open to attack. Generally, when you open websites and download a program to run on your PC it may install a program that compromises your security.

Another very common way by which computer gets virus infected is the pirated software. Most commonly, it is seen that the computer users download such software from various websites as these are absolutely free. Spyware is attached to these software programs and these allow remote access to personal information in the computer. Trojans are the most common malware programs which are vastly used by the hackers to steal your personal information.

Now the question is how to enjoy safe and secure computing when PC is connected to the internet. There are a number of ways you should do for better online security. First and foremost, you need to install a good antivirus program on your computer. The market is flooded with a number of good antivirus programs. Many of them also offer trial version absolutely free. AVG, Norton, Kaspersky, AVG, etc. are some of the most renowned names.

Install trial version of any of these antivirus, and if the experience is satisfactory, you can go for the full version. Another way is to install a firewall to protect your computer from external attacks on the internet. In Windows operating system, an inbuilt firewall is installed. Check whether it is on or not. It is always suggested to install a combination of two or more anti-spyware as well.

To enhance online security of your computer, you can consult a remote computer support service provider. These companies take care of your online security. They install all the required software and update your
Operating system and install security patches to protect you from being hacked online. Consulting any of these service providers is a very good idea. Charges are quite reasonable and they offer tech support 24/7 all year round.

These are some of the best ways to boost up online security of your computer. If you follow the above mentioned steps you can certainly enjoy happy and worry-free computing.

Before you pick a muscle builders supplements you want to have your diet and exercise plan ready to go. Without a proper diet and exercise plan you wont be able to grow,nike shox,32828, so make sure you follow a good one. There are many free workout plans like this one available on the internet:


When you choose a good diet and workout plan, then you can move on to proper muscle builders supplements for gaining mass. There are many muscle builders supplements available on the market and you can get lost with what to choose. This should serve as a guideline for what kind of muscle builders supplements to choose.


The most commonly used supplement that beginners start with is Creatine. Creatine is one of the best muscle builders on the market because it can help a bodybuilder in three separate ways. Creatine is one of the safest muscle builders supplements out there and has been studied since 1994 for safety. Creatine builds mass by adding in an immediate water gaining or volumization effect to muscle. Also, creatine recharges ATP,32822,nike shox, which gives you more energy to perform. Finally,31742,www.uggbootssale-ie.net, Creatine can block key enzymes that tear down muscle which will ultimately help you carry more mass.

Amino Acids

Amino Acids are the second part of our muscle builders supplements. Amino Acids are not the same as straight protein from meat or even protein shakes. Actually, a recent study has shown that ingesting and amino acid supplement before your workout will help you gain 33 more muscle each time you exercise. The amino acid Leucine is the most important anabolic amino acid. You need this amino acid in almost every supplement you take. Our favorite stack that has creatine, leucine and other amino acids is found here and will give you all of the basic building blocks for muscle growth:


This stack is amazing because it gives you protein,31652, creatine and amino acids for growth and is the best stack for the beginner who wants to put on tons of muscle while staying away from anything hormonal.

The Next Step

If you want to take your workout to the next level, you need to look at something stronger like an herbal testosterone booster or natural herbal androgen. These two ingredients optimize the hormones of the natural athlete by increasing testosterone levels.

Testosterone boosting is going to help you increase aggression and muscle mass when in the gym. You can boost testosterone naturally, using herbs and other supplements that boost your testosterone naturally. Unlike steroids,UGG shop,32664, these dont screw up your normal production of testosterone,manteaux moncler, they actually signal your body to make more testosterone. The most popular testosterone booster on the market can be found here:


If you want to go a step further, you can use natural herbal androgens. These ingredients are going to act like testosterone in your body and give you the natural boost in mass and strength that comes from steroid use, without being on anything that is a steroid. You can be confident that these are not going to cause you to piss hot on a drug test. You can use these to give yourself a natural gain of 6-8lbs in a month. A great natural steroid replacement and muscle builders supplements can be found here:


Steroidslegal and illegal

Steroids are the holy grail of all sports supplements. They are still available on the internet, in gyms and in many countries they are not considered illegal. Anabolic steroids are able to put on 10-12lbs of mass in one single month and can certainly be the best muscle builders for people wanting to get big. People should be over 21 before they take any kind of steroids because these muscle builders supplements are not natural. Also they can cause you to fail a drug test if you are an athlete or tested professional.

Most steroids are illegal in the US, but there is one still legal steroid that you can take, which will help you boost your testosterone levels and give you massive gains in the gym. This steroid is available without a prescription and can be a huge benefit for the experienced athlete looking for the best muscle builders supplements on the market.

You can find these legal steroids here:


Now that you have the basic muscle builders supplements, you can choose which one is right for you and start to put together your own program for putting on tons of mass. Remember all muscle builders supplements are subject to proper diet and exercise and nothing will replace hard work, so you need both to succeed.

Disclamary: Nothing I say constitutes medical advice. Please check with your medical professional before starting any diet or exercise program. This message is considered confidential.

Online dating isn't as easy as it appears to be. While it's true that an ideal match may possibly be a few mouse clicks away, it can work in a different way for others. Sometimes matchmaking websites can be deceiving and will have hidden fees only to leave your search unsuccessful in the long run (not to mention your funds depleted). In the midst of searching of the perfect match, of course you'll need to spare yourself from more heartbreak and stress as a outcome of that's the reason you are searching your excellent match online, you want to make it fast and convenient. However,www.airforcenike.org, these days there are hundreds even thousands of matchmaking web sites on the internet. Thankfully, dating review web sites are now available so that searchers no longer have to go round in circles.

The Dating Reviews web site ( of UKis all praises in its Dating Direct review.

According to the Dating Direct review,Nike Dunk High, Dating Direct has over five million members based in the UK. This makes them certainly one of UK's largest dating sites. It requires the lowest month-to-month fees and even offers a find love assure that provides customers their money back if they do not discover a match within a twelve month period. For as little as 9.ninety nine, you get full entry making it one of many lowest value relationship sites in the UK. Compatibility checks are also available for users to take in order to gauge the compatibility with a match prior to setting up a date or meeting the possible match. In its Dating Direct review, this matchmaking web site earned five stars for ease of use,www.nike-air-force-one.net, value for money, and for overall website reliability and performance.

Moreover,Nike Dunk Low, the Dating Direct review was all praises for the dating web site's easy-to-use dating area in which there is an option to start a chat with possible matches online. You get to even organize those who are online into groups according to newest members, geographic location, as well as interests. You'll be able to even send virtual winks, which is a great ice breaker for those who are new to online dating and are still shy to approach their possible matches. Based on the Dating Direct review, neat features like easy looking out, favourite lists, and the ability to blacklist someone you don't want to listen to from are also available. Most significantly, setting up an account is fast and easy and this speeds up the process of meeting singles without the hassle, thus increasing the probability of finding a perfect match.

Some other interesting features, according to the Dating Direct review, are: features like posting a video to point out your true personality, ability to filter your search and narrow down possible UK matches, filtering your search results according to sexual desire whether straight, homosexual, or lesbian.

General, the Dating Direct review gave this UK matchmaking website five stars for its reliability and features that can increase the possibility of match. It gives great value for your cash and won't disappoint.
There are so many reasons for boomers to start dating again whether theyve never been married, are divorced or are widowed. Lets investigate three of those reasons:

Boomers are not as "old" as people in the same age group in previous generations. Its often said that 50 is the new 30 and 60 is the new 40. Does that sound ridiculous to you? Think of the things that boomers do. They walk, they bike, they dance, exercise and just generally enjoy all of the aspects of life that earlier generations may have given up to become more "grandparently."
Boomers live longer than their predecessors and those years are generally healthier.
One study says that married women are 40 less likely to say that their health is poor than single women.
Married people are twice as likely as unmarried people to engage in sex two to three times a week.
In general, Boomer or not, human beings are social creatures. Once youre single, the world seems to be built of couples. Its human nature to enjoy companionship. Its sad to feel like the only one without it. No matter what their age, must people dont like to:

Be the only unmatched guest at a dinner party (to which one must be glad to be invited because singles sometimes get left out of such events).
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Feel poor. And maybe BE poor. It may not be true that two people can live as cheaply as one but studies say that two people can live as cheaply as 1.5! And married couples have more than twice the assets of unmarried couples.
There are new avenues for meeting a new "friend", partner or husband or wife. Once upon a time, a single boomer was dependent upon friends to be introduced to possible new dates. Or it was necessary to brave the bars or newspaper personals. Some people would check out likely mates at the supermarket ("So, do you prefer Charmin or Scott's?"),nike air force 1, or Home Depot ("Excuse mecould you tell me if this is a hammer?"). Really, things were tough. And then internet dating was born:

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Internet daters may have to come up with good profiles but at least they can forget good pick up lines.
Internet dating can be tackled from the comfort of your own home.
When all is said and done, the single life can be lonely. And when youre of a certain age, you may be looking for something different than younger people, but then again, maybe not. Margaret Mead said: "The first relationship is for sex; the second is for children; the third is for companionship." If you wish you had somebody to go to parties with, vacation with, go shopping with, hang around on Sunday mornings and do the crossword puzzlewell then, you need to think about dating again. And while you may value companionship more than you did when you were younger, you probably still value intimacy and might enjoy sharing children and grandchildren. Give online dating a try.

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Riviera Maya Vacations

For those still looking for the charm of a bygone century, one of the most beautiful destinations to go to is the Riviera Maya. Going on a trip to the old cities of the Mayans will give you a glimpse of these ancient civilizations. The Chichen Itza is one of the major cities of the Mayan Empire, being its capital where you can go up the Castillo or the grand pyramid and peek at the observatory of ancient astronomers where the most accurate calendars was created. The only walled city of the Mayan is Tulum which is interestingly overlooking the beach. For more adventures, there are still so many interesting sighs in Riviera Maya. Xel-Ha is a good place to conquer when youre a nature lover as it has many coves,nike Air force, lagoons and caves in its premises while Xcaret is a Mayan themed ecological park with lots of fun activities prepared for its visitors. A Mayan Temple can also be found in Isla Mujeres where you can also indulge in water adventures while Isla Contoy has fine sand beaches and rows of palm trees that you can relax under. When planning your Mexico vacation,631, always include this region for unforgettable unique experiences.

Golfing in Baja

Besides the tempting tropical waters and fine sand beaches of the Baja Peninsula, golfers of all levels will really be excited to play golf at some of the worlds best golf courses located in the area. The best golf course designers in the world have designed championship golf courses of a desert terrain but with a picturesque view of the ocean. Starting from the US border is the Tijuana Country Club established in 1948, and just 20 minutes away from the border is Real del Mar which is considered as the gem of Baja golf. Some of the newer courses are the Baja Country Club with a 12 acre lake and the unique Paraiso del Mar in Magote with 12 holes completely built on the sandbar. Jack Nicklaus designed three golf courses in Los Cabos called the one and only Palmilla, the Puerto los Cabos and Club Campestre. The Cabo San Lucas Country Club and Cabo Real Country Club are other popular golf courses in Los Cabos. There are other golf courses currently under construction which will definitely make Mexico vacations a must for golf lovers.

The Sights and Sounds of Cozumel

One of the best diving and snorkeling spots in the world can be found at Cozumel which is just south of Cancun and across Riviera Maya. Cozumel has clear turquoise waters and hosts the Palancar which is the worlds second largest barrier reef. Mexico vacations that include Cozumel afford you the opportunity to see one of the Seven Wonders of the World, the Chichen Itza which is the capital of ancient Maya empire. There are several archaeological sites near Cozumel like Tulum that was the main Mayan port and is a unique walled fortress,nike air force, Coba is located in the lush jungle forest with an authentic Mayan community that allows you a view of what life was during the Mayan civilization,26204, Castillo Real which used to be the Mayan astronomical observatory and San Gervasio which was most visited by the Mayan women as it was a site dedicated to Ixchel,894,www.nikedunkprix.com, deity of midwifery, fertility, medicine and weaving. You will definitely need a lot of time at Cozumel with all these and more at Cozumel. The list of attractions in Cozumel is quite long.

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Chicago, Illinois is often called the Windy City. This popular destination attracts millions of tourists each year. There are a lot of things to draw tourists to this fine city. Chicago is a metropolitan location to explore. There are wonderful attractions and activities in this city. One of the first things for you to consider is that of your accommodations. This location offers tourists a choice of terrific hotels. Every budget can be accommodated in Chicago. An example of the luxury lodgings is the Hotel Allegro. This lodging can be found at 171 West Randolph Street. The hotel displays a fabulous art deco style. Another choice and popular location in Chicago is the Hard Rock Hotel. This particular location helps to enhance Chicago vacations. Once youve secured your hotel choice, you can focus on area attractions. The Art Institute of Chicago is a thrilling attraction to explore.

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Chicago is one of Americas finest cities to visit. It is also the third largest city in America. Chicago vacations offer tourists exceptional experiences. When you settle on this destination, you will need to make other decisions. There are terrific accommodations in this city to choose from. Choosing the right hotel is a great way to begin your vacation. Chicagos downtown area is a popular location for hotels. The lodgings here display the grandeur of the city and stunning views of the skyline. A terrific downtown lodging is the Hard Rock Hotel Chicago. This lodging is a part of one of the famous hotel chains. There are 381 rooms here and terrific amenities. It is found at 230 North Michigan Avenue. Once you book your accommodations,nike shox sko, you can focus on area attractions. There are many fun attractions and activities in Chicago to enjoy.

Great Attractions

Chicago has long been considered one of the worlds most popular destinations. The Windy City offers tourists a lot to both do and see. The more that you see of this fine destination the more you will want to see of it. Chicago vacations are thrilling and entertaining trips to take. Once you have chosen your destination,www.uggbootsshop-ch.com, you can focus on accommodations. There are many fabulous lodging selections throughout the city of Chicago. You will find both budget friendly accommodations and those that are luxurious. The Courtyard by Marriott Chicago is a terrific example in this category. This hotel is on the north side of Chicago. It is found at 30 East Ohio Street. This Marriott location offers guests 337 spacious rooms to choose from. After securing the lodging of your choice,ugg boots ireland, you can concentrate on local attractions. This destination offers something fantastic to every member of your family.

Sights of the City

Chicago vacations provide great opportunities for exploring the city. This location is known around the world for its offerings. There are fantastic modern marvels here in this metropolitan area. You will discover very intriguing sights in Chicago. The more that you see of this city, the more you will want to see. One of the terrific attractions here is the Art Institute of Chicago. Art lovers greatly enjoy the pieces of this location. Chicago is often called the City of Skyscrapers. This is because of the fine architecture here. Two of the famous attractions in this area are the Sears Tower and the John Hancock Center. At one time the Sears Tower was the tallest building in the world. Tours of this city provide tourists with great ways to experience it. Accommodations are important considerations to make when traveling to Chicago. You will find affordable lodging selections here, as well as, those that are luxurious.

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Feng Shui can be applied to many rooms and spaces in the home but one of the places many of the ancient arts professional practitioners feel it is most important that its principles be followed is in your home office space.

According to Feng Shui masters the home office and working in it efficiently presents two major challenges; firstly, the ability to separate work from home and secondly,cheap nike air force 1, the lack ofbusiness social interaction. They believe, however, that by implementing a few essential Feng Shui techniques some of which may involve a little home remodeling you really can create a space that is a joy to work in.
Keep Your Home Office Away From Your Bedroom

The ideal situation from a Feng Shui point of view is for your home office to have a totally separate entrance from the rest of the home. This can be achieved if you have a walk out basement that can be remodeled for the purposes of use as a home office or just by designating that a back door be used only to enter the workspace. If neither option is a possibility pick the space that is furthest away from the rest of the home as possible. A garage conversion may a perfect solution as well.
Make Sure Your Desk is in a Commanding Position

In Feng Shui the placement of certain large items of furniture like a bed in a commanding position is considered very important and that is absolutely true of the desk in a home office space as well. This means you should not have your back to the door; your desk is positioned further from the door and not in line with it and that the desk is not pushed against a wall. If the last instruction is impossible you can hang a mirror on the wall above the desk to, in Feng Shui terms at least, make the wall disappear.
Make Sure to Have Good Air and Light Quality

This is not really just a Feng Shui tip but a general one too. If your body and mind are deprived of light and oxygen the space will become depressing, unhealthy and certainly not conducive to doing a good days work.

Make sure your home office has good lighting design, with both task and accent lighting present and that it is well ventilated, either by opining a window or adding an air conditioner or ceiling fan for relief on stuffy humid days.
Implement a No Clutter Rule

Clutter is the enemy in Feng Shui as it blocks the flow of good chi but it should be your foe in life anyway, especially in a home office space.

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Ohio Insurance Director Ann Womer Benjamins first year in office since her appointment by Republican Gov. Robert Taft has been marked principally by her efforts to get a handle on the states medical liability crisis. Womer Benjamin represented the 75th District (Portage County-Part) for four terms in the Ohio House of Representatives before she was appointed as the Buckeye states first woman insurance director.
Her background as an estate planning and probate lawyer and member of the Cleveland Bar Association wouldnt seem to augur well for the chances of tort law changes favorable to the insurance industry, but the director has emerged as a forceful advocate for limiting the number of frivolous medical malpractice suits. She also supported legislation designed to counter the Ohio Supreme Courts controversial Scott-Pontzer decisions unsettling impact on the auto insurance market.
Womer Benjamin spoke on the telephone with Insurance Journal Midwest on the afternoon of a victory for the department in the Ohio House, which had just unanimously passed HB 282, which would fund a medical liability underwriting association (MLUA), if necessary. (Editors note: For more on the hot issues this legislative session in Ohio and other Midwestern states, see our News Currents story, Ohio Tort Reforms, Protecting CLUE Top Industry Agenda, on page 6.)
Insurance Journal: What would you say are the biggest achievements of your administration in the year since you were appointed?
Ann Womer Benjamin: In terms of accomplishments in my first year I certainly think [HB 282] is a top accomplishment. The medical malpractice situation in Ohio has been our top priority over the last year. There have been growing concerns about the availability of such coverage, not just affordability. Our amendments to House Bill 282 would do two things. First, it would steer 12 million from the terminating JUA and preserve that money for medical malpractice initiatives including new underwriting associations. Second, the bill would authorize the superintendent of insurance to establish a medical malpractice liability underwriting association by rule if an emergency in availability was a real problem. The bill passed the Ohio house unanimously, and now its on to the Ohio Senate.

IJ: What role did you have in pushing this bill forward?
Womer Benjamin: We went seriously to the committee just before Thanksgiving. We worked with the House Insurance Committee and with sponsor Rep. Larry Flowers [R-19th] and the committee chair to put the changes in place. We worked with the industry, the Ohio Medical Association and the Ohio Hospital Association. The bill will now go to the Senate. The Senate committee is chaired by Scott Nein [R-4th]. Weve had conversations with Sen. Nein and the president of the senate to iron out any problems they may have in the Senate.
IJ: Did you have any problems on the House side before getting the unanimous passage?
Womer Benjamin: We worked very hard on the House end with interested parties to address all conceivable concerns. One of the issues with the establishment of an underwriting association is how such an entity should be funded. The 12 million will provide seed money for it being operational. Beyond that you need to charge premiums. We also wanted to be conservative in our approach and establish a stabilization reserve fund, to serve as backup revenue in the unlikely event that premiums for some reasons were inadequate. The method of funding that reserve fund was a subject of ongoing debate and discussion. The 12 million for medical malpractice initiatives could include a medical malpractice underwriting association the MLUA may not be established if the market doesnt worsen. If the 12 million were to be used for MLUA, it would provide initial financing and premiums paid by insureds would serve to pay off future claims and then assessments would be possible against the insured beyond the premium to fund the stabilization reserve fund.
IJ: How would premiums be determined?
Womer Benjamin: The premiums would be set based on actuarial evidence. There would be a board overseeing operation of MLUA. The real bone of contention was the involvement of industry itself in MLUA. By negotiated agreement, the industry was taken out of potentially being the target of any assessment.
Insurance companies that provide the coverage initially were included as potential assessees in stabilization reserve fund,chaussure puma, and ultimately they were taken out. The statute sets forth criteria and basically there has to be a significant problem with availability. This legislation does not address affordability of premiums as much as availability. I think it clearly is one of our most significant accomplishments in the past year. Also, its a significant initiative with regard to the medical malpractice issue.
IJ: Whats your view on the various tort reform proposals in the Ohio legislature? What further reforms are necessary to improve the market environment?
Womer Benjamin: Senate Bill 281,chaussures puma, the tort reform bill, among the measures we as a department were required to implement were a review and analysis of a patient compensation fund. The bill called for the establishment of a medical malpractice commission which I chair. We worked with courts across the state and judges to develop a system for reporting lawsuit medical malpractice information to the department. That reporting is required under Senate Bill 281.
The number of lawsuits and the costs of those lawsuits, from the perspective of the department, we look at rate filings and we look at the justification for the rate filings. To a great extent the justification is the costs of torts and losses.
Weve seen those costs rise. Rising costs have, based on our criteria, justified the increase in rates in medical liability coverage. Collecting this data, though, in greater detail across the state will help legislators,converse all star pas cher, industry and interested parties in medical associations evaluate the need for further tort reform.
IJ: Tell us about the process involved in bringing about OHA Insurance Solutions Inc., the new medical liability provider formed by the Ohio Hospital Association in December? Was it an idea they brought to you or that you proposed to them?
Womer Benjamin: They brought it to us. I certainly would consider that another significant accomplishment. The market from our view may be improving. Outside groups like OHA are expressing interest in entering the medical malpractice market. They expressed interest in doing this, and they filed their initial papers sometime in early November 2003 and we worked with them to make sure their application was complete. They had to submit other documentation. We reviewed their organizational structure, financial structure, expected rate structure, and some other technical issues involved. Within two days of the filing it was complete and we were able to approve it.
IJ: Was the approval process expedited at all given the gravity of the med-mal situation in Ohio?
Womer Benjamin: It really depends on the circumstances. The OHA was very cooperative in getting the documentation to us that we needed. That cooperation does not always occur. There also maybe shortfalls in the application that theyll take time correcting before we can act on it. We were interested in moving as quickly as possible because of the market situation, and OHA was as well.
IJ: The American Medical Association labeled Ohio as one of 18 states experiencing a crisis with regard to availability of medical liability coverage? Do you agree with that assessment: What else needs to be done to improve the situation?
Womer Benjamin: We have called it a crisis. To some extent,sac chanel prix, that may be because I have members of the health-care provider community complaining to me frequently. Im not sure what the AMAs criteria were. We do have five major companies offering coverage to about 72 percent of the market. We have 30 or so companies writing a million dollars or more. We have carriers offering the coverage here in Ohio.
The discussions Ive had with some of the company leadership seem to indicate that the rates in Ohio are getting where they need to be to attract new companies into the market and to meet future claims experience they expect. Rates still are going up.
I think the tort reform enacted in 02 will help over time. I expect the legislature will look further at tort reform initiatives. I think that some ability to discourage the number of lawsuits filed, sometimes without merit, is being pursued, as in the medical malpractice screening panel that would review cases before they go to trial. Theres a bill to that effect that were working on with the sponsor, Rep. Jean Schmidt [R-66].
For example, the medical malpractice commission I chair,beats studio, weve had seven hearings. Members are from the medical community, the legal community, the insurance industry. We have heard testimony on a variety of subjects. Recently we had testimony from departments of insurance in three different states Indiana, Wisconsin and New Mexico that employed various measures to address medical malpractice coverage. I expect the commission to give a preliminary report early in 2004. A final report is not due until April 2005.
I think the commission will also work with the legislature on proposals which it may consider based on the testimony and hearing evidence we have heard over the last couple of years. I was a member the Ohio House for eight years. In that capacity, I would seek to develop my own viewpoint on tort reform.
I did support Senate Bill 281. So I will defer to legislative views on various issues, but Im generally supportive of the concept of a medical review panel. There still are details that need to be worked out. Who comprises the panel? Who would organize the panel? When would the panel actually come into play? What impact would the decision of the panel have on litigation?
All of this only further strengthens my belief that we have to get a handle on the number of lawsuits. I know, for example, of a neurosurgeon in the Cleveland area, who was nonrenewed on his medical liability coverage and left to practice in another state.
History showed he had seven lawsuits against him in last several years. Six of those were dismissed without ever going to judgment. Nevertheless, because of the specialty hes in, because those lawsuits generated costs for the company, the company felt they could no longer afford to cover him. Looking at the number of lawsuits filed against him, the company will then calculate the costs associated with lawsuits and make underwriting decisions accordingly.
Thats how insurance companies operate. I think its unfair for unmeritorious lawsuits or lawsuits in which someone is named because they were on the periphery of the scene I think its unfair for those kinds of cases figure so prominently in underwriting and rating.
The fact is thats how its done. Im not sure that companies should not consider those costs they are legitimate factors in arriving at underwriting and rating decisions. Somehow we need to find a way to limit such lawsuits. Maybe six of those seven cases against the neurosurgeon would never have seen the light of day and generated the costs they generated for the company.
To comment on this story, e-mail: koreillyinsurancejournal.com.

From This Issue

January 26, 2004Insurance Journal West Magazine

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    Diamond jewellery very pure ornament becomes special when it is worn on the day of your wedding! Modern brides are so crazy for diamond wedding rings, most of the women choose systematical matching gemstones studded artfully encircling the wedding diamond rings. Wedding diamond rings come in various designs. Stunning creations in the market are available as per your budget and pocket.
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