Wednesday, October 31, 2007

Bonsai Basics

By Roger Wakefield The Bonsai Tree The bonsai tree is not ‘just another house plant’ and fans of Bonsai cultivation need to have great patience and perseverance because it can take quite a few years for a bonsai to fully grow and flourish. One thing is certain, though, given the right approach, the end result is very rewarding. Bonsai history The actual name ‘bonsai’ is made up of two Japanese words, the word ‘bon’, which translates as ’shallow container’ or tray, and ’sai’ which is a plant or planting. China is the country where the art of bonsai actually originated, but it is japan that has really devloped the art of bonsai since the eighth century. There is also a theory that proposes that planting trees in small trays for artistic reasons may have started in india or pakistan. Whatever the truth, it seems that the growth in popularity of Bonsai is linked with buddhism as zen promotes creating works of art as an essential extension of the self , and the artist’s spirituality In fact, the care and growth of a bonsai is seen as a type of meditation. Today, the care and growth of Bonsai trees is a very popular hobby that is practised throughout the world, and brings enjoyment to many millions. How to start - the essentials In bonsai you are actually miniaturising nature. This is done primarily by cutting back the roots of a very young tree.. Bonsai trees can be grown from seeds or cuttings, but that is usually quite hard and it is perhaps a better idea for the complete beginner to buy a ‘ready grown’ bonsai tree from a bonsai grower and continue with the artisitic work that has already been done. There are a selection of essential tools and equipment that are vital to keep a bonsai tree. Bonsai tools for trimming foliage and roots are obviously important. These tools are small, sharp and often expensive, so think twice before making any rash purchases and it would be worthwhile to consult a good book on bonsai tree cultivation before making any expensive purchases. Copper wire is also essential. It is wound around the trunk of a sapling, so that the trunk can be bent into the required shape and style ( and there are many different styles). Copper wire is also commonly used around the roots of a tree to anchor it into a shallow pot. The choice of pot or container is also essential as it should reflect the sort of tree or plant you have chosen as well as the style of tree you want to cultivate. Whatever you choose, the pot should not be glazed on the inside and should have good drainage. Some popular choices of Bonsai are the Japanese Maple, Junipers, the Japanese Black Pine and Star Magnolias. Ekaterina Wakefield is a staff writer at: Kyoto Bonsai Trees, offering a range of Bonsai Trees and Bonsai pots and tools. Article Source: http://EzineArticles.com/?expert=Roger_Wakefield http://EzineArticles.com/?Bonsai-Basics&id=346682 buy both ambien and phentermine no rx india online zolpidem ambien online orders order 10 ambien
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Monday, October 29, 2007

Collecting Vintage Calendars

By Glyn Farber A calendar, like a watch is a system of telling time, typically days, weeks, months and years. Calendars are often a physical device usually made of paper. Vintage calendars can be classified into hanging calendars, postcard calendars and mechanical postcard calendars. So what makes a vintage calendar such a desirable collectible? The answer is usually the illustration, advertising or both. As a form of advertising, calendars have been around since the early 1900s or earlier. Major corporations such as Coca Cola have been using calendars with advertising slogans to help sell their products for a very long time. A bright blue 1946 Coca Cola calendar with large yellow numbers at the top and the image of the Sprite Boy head has a value of $700.00. An earlier Coca Cola calendar dated 1926 with the image of a pretty girl tennis player and holding a glass of Coke has a value of over $1000.00. No matter what they advertised, popular vintage calendars were given away. Most vintage calendars sell today for $5.00 to $25.00. Older calendars do bring higher prices because they did not survive in large quantities. Most paper collectibles such as Ink blotters, matchbooks, postcards, brochures and calendars were originally made to be discarded after use. You can use vintage calendars to decorate the walls of your home. Most of the older calendars are colorful lithographed prints suitable for framing. Western scenes can be found featuring Native American Indians from the 1920s and 1930s. Other lithographed calendar prints that can be found are of Liberty calendars, trains, buildings (from your home town), producers of beer, wine and spirits, flowers, worlds fairs etc. A host of other advertising calendars exist and most of these beautiful old prints can be removed from the calendar, matted and framed. Vintage calendars can be found at garage sales, antique stores, flea markets and our favorite place eBay. Find out more information about Vintage Calendars, Collectibles and Trade Tokens at these web sites http://www.most-popular-collectibles-at-auction.com and http://www.louisiana-trade-tokens.com Article Source: http://EzineArticles.com/?expert=Glyn_Farber http://EzineArticles.com/?Collecting-Vintage-Calendars&id=253571 direct pharmacy phentermine low cost phentermine no prescription phentermine diet pills cod phentermine no prescription cod
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Saturday, October 27, 2007

Beware: Marketing Sinkholes Ahead!

By Michele Schermerhorn Life provides your business with enough opportunities for failure. Dont help it along by creating sinkholes to consume your limited financial resources. There are seven key mistakes most businesses make in the game of marketing. Learn to avoid them! Marketing Sinkhole #1: Indiscriminate Lust Many companies want as many customers as they can handle (and then some). Because of this indiscriminate lust for volumes of customers, they treat everyone alike in their marketing efforts. Much like a randy stud will hit on every female at the bar, your marketing comes off just as special to your prospective customers. If you wont take the time to decide who can really benefit from using your product or services, why should they take the time with you? Successful marketing efforts start with identifying the specific customer who will benefit the most from your product or service. Then all your efforts should be directed at learning more about her, rather than creating the second sinkhole of marketing. Marketing Sinkhole #2: Veiled Contempt for Customers The most powerful marketing tool you have available is to truly understand your customers unique needs and problems. Every customer segment will have different concerns and problems you need to address in your marketing efforts. When you dont even attempt to understand them, you are demonstrating contempt for them. You have to earn the right to be a supplier to your customer. Your customers don’t really buy your specific products and services. They are actually buying solutions to their problems. So, provide them with enough information to make informed buying decisions. Use articles, presentations and case studies to educate them about what you do, how it works for them and why its the best solution to their problems. Dont be arrogant enough to think you know better than your customers. Marketing Sinkhole #3: Arrogance There is a very thin line between confidence and arrogance (I have crossed it many times so I know of what I speak). You and your company are not the end all and be all of the Universe. You need customers! They are (or should be) the end all and be all of your business. Because you need customers, dont treat them like they are stupid! Your marketing should never talk down to them. Your ads should never be insulting to them. Isnt this apparent? You would think so. However, many companies violate these principles every day. They use hand puppets or animated germs to advertise their product. Building off of the information you have learned about your customer, speak to them in their language. If they are 13 years old, talk to them as a 13 year old. If they are college educated, talk to them as if they have earned their degree. This will start you on your way to standing out from the crowd of competitors your customers have available to them today. Marketing Sinkhole #4: One of The Crowd You may have spent all of high school trying to be part of a crowd, now its time to break old habits! As a business, you need to stand out from your competition to be noticed and make sales. You need to be one in a million, not just one of the millions. In Marketing, this concept is referred to as your Unique Selling Proposition, or USP. Your USP must tell customers whats so special about you? It needs to answer the question why should I do business with you? How do you develop your Unique Selling Proposition? What makes you different from others offering a similar product or service? Dont know? Better find out fast! The more competitive your industry the more important it is to emphasize even the smallest differences. Are you better than others in addressing a specific issue? Is your product unique in some way? Do you guarantee your work? Better stand out from the crowd or expect a lot of red ink on the bottom-line. Wasting time and money on your marketing efforts is not a goal to aspire to. Marketing Sinkhole #5: Wasting Marketing Time & Money Which of your marketing efforts being employed right now result in the most new business? Dont know, do you? Have you ever measured? Without measuring the success (increased sales) of each marketing effort, you are wasting time on ineffective methods. You are also neglecting the highest yield activities. As an example, most professionals believe that networking is the best way to get new business. Lets see. Add up the amount of time you spent networking last month and attach a dollar value on it based on your fees. Then, add the actual price you paid to attend those events. When you have a total, divide this total amount by the number of new customers your networking produced. Are you happy with your results? Maybe not! Now, do this exercise for all your marketing efforts. Marketing does take effort. Never forget that! Marketing Sinkhole #6: Build It and They Will Come Marketing Vision By virtue of the fact that you have a business (and maybe a website) doesnt mean you get any customers. Tough fact! Thats life! Too many people naively enter business thinking that the world will beat a path to their door. Sorry! You have to work, and work hard, for every customer youll ever get and keep. Marketing is about promoting yourself and your business in a way that motivates customers to buy from you, return again to purchase, and refer others to you. Marketing Sinkhole #7: Not Asking for Referrals One of your biggest costs of running a business is the cost of acquiring new customers. So, how can you take that investment you already made on existing customers and get the maximum return? Referrals! But you have to ask! One of the biggest mistakes made by most small business owners or salesmen is not asking happy customers for a referral to someone they know who would benefit by the same product or service. It is far easier to call a prospective client and say, Mike Eastman asked me to call you, than to make a cold call! You will buy yourself an extra minute or two in that sales connection to promote yourself and a customer solution. If you have trouble getting the referral, at the very least, ask if you can use them as a customer testimonial in your marketing efforts. Many online businesses have other mechanisms to encourage referrals from happy customers by providing refer a friend links on their websites. Others also offer monetary return to the customer administered through an affiliate program. No matter how you do it, you need to use the happy customer to create more business. It is easier and cheaper than the alternatives! Conclusion The game of business throws you enough curve balls without contributing to your own demise. Learn to avoid building and falling into your own sinkholes of marketing. Now, go back and read the article again, applying its concepts to your business. Do the work and reap the rewards. Like they say, NO PAIN, NO GAIN! Or, better stated, NO WORK! DIE BROKE! Michele Schermerhorn calls herself a Corporate Freedom Fighter dedicated to freeing cubicle prisoners to experience their own successful online business. She has over 30 years experience in the business world and over 12 years running her own successful online businesses. She is President of Online Business Institute Inc. (http://www.obinstitute.com), authors a sassy marketing blog (http://www.imarketblog.com), and regularly conducts free online seminars. Online Business Institute Inc. exists to Create Successful Online Business Owners One Person At A Time. Article Source: http://EzineArticles.com/?expert=Michele_Schermerhorn http://EzineArticles.com/?Beware:-Marketing-Sinkholes-Ahead!&id=23561 no prescription next day delivery tramadol ranitidine buy tramadol now buy ultram without prescription canadian pharmacy ultram
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Friday, October 26, 2007

How to Be Supportive of a Mate Who Has Been Sexually Abused or Assaulted

By Rhiannon Rose Sexual abuse or assault is arguably the most psychologically damaging occurrence that can happen in a persons life. The profound impact of the person abused can be seen in one or all of the following symptoms: Mild, moderate or severe sexual dysfunction, eating disorders, personality and mood disorders, social phobias, intimacy and trust issues, obsessive compulsive disorder, low self esteem, and a variety of different addictions, just to list a few. But not much has been discussed about the effects sexual abuse has on the people who fall in love with a mate who has been sexually abused or assaulted. The object of this article is to understand your mate and yourself better while helping each other heal from the effects of sexual abuse and assault. Weve touched on the painful impact sexual abuse could have on your mate, but what about you? Here are a few examples of what you may be experiencing: 1. You may feel rage against the person who abused your beloved, which can at times affect your peace of mind, ability to concentrate, or sense of overall well being. 2. You may have overwhelming feelings of empathy for the pain your mate went through, and you may feel powerless, because there is nothing you can do to take the pain away. (There are not enough hugs and kisses in the world to make it go away completely, but it helps!) 3. You may be directly affected by your mates behavior patterns sexually, mentally and emotionally. Here are several ways to be supportive of your mate who has been affected by abuse: 1. Realize your mate is not a victim who needs your pity. As a matter of fact, the exact opposite is true. Your mate has survived the effects of abuse and has a tremendous amount of strength. So, treat your mate as the strong, capable and resilient person that they are. 2. Respect your mates odd requests, even if they dont make sense to you. If your mate gets the creeps when she feels facial hair brush against her chin while kissing, it could be the same feeling she experienced from her perpetrator, and it could trigger a flashback. Therefore, you may want to shave before approaching her with a kiss. The same holds true for touching certain areas of the body, such as the throat or inner thighs. Or even the kind of touch you give may be uncomfortable for your mate, who may feel uneasy with a light and breezy touch or the sensation of a powerful grab. Another example is about a good friend of mine who was sexually abused. She always covers up with a blanket at night, no matter how hot or cold it is inside. She leaves the television on while sleeping at night because if it is too silent, she will have nightmares about the abuse that happened years ago. If my friend is like your mate, and you need to have complete silence and darkness while you sleep, consider ear plugs and a mask to put over your eyes. Or maybe your mate can wear headphones. Make a list of these odd or quirky details about your mate and make a conscious decision to be sensitive to those needs, no matter how irrational they may seem to you. 3. Always respect your mates personal boundaries. The tragic consequence of sexual abuse is the aggressive disregard of personal boundaries. This can range from accepting, No as an answer for sexual advances to accepting, No as an answer to borrowing your mates personal belongings. Your mate needs you to honor their boundaries in as many ways as possible, without whining, arguing or sulking. 4. Do not ask your mate probing questions about the abuse, even if you are the closest person to them in the world. The experience is too painful for them to go into explicit details about. Your mate may feel an overwhelming sense of shame about the abuse, even though it was never their fault. Also, if nobody believed your mate when they came forward with information about the abuse, or worse, if they were blamed for it, or accused of lying, it makes the pain far greater than anyone who has not suffered this form of treatment can imagine. However, if your mate volunteers information about what happened, you can make eye contact and quietly listen. You can also send non-verbal messages, such as putting your arms around your mates shoulder or holding their hand. When your mate finishes talking, thank them for trusting you enough to share (Because that was a HUGE step for them!) Also, explain you will always be available to listen, if they want to share again. You may also offer to go to counseling or a support group with your mate. However dont advise your mate to go. Just explain you trust that they know what is best for them, and that you intend to support them 100%, regardless of what decision is made. 5. Not everyone who has been sexually abused gets offended by sex jokes, dirty talk, or playful name calling. But if your mate is a person who finds this behavior distasteful, find as many ways as possible to be polite, gentle and respectful. 6. Love your mate unconditionally. Remember trust and intimacy can be very difficult for a person who has been sexually abused. There is no need for you to be a doormat if your mate lashes out at you, or pushes you away. Just explain you love them very, very much but that you have no intentions of being mistreated. If you have to distance yourself from your mate temporarily, do it with a tremendous amount of love, not as if you are punishing them for being mean. For instance, gently squeeze their hand and make eye contact before leaving to go for a long drive to cool off. Give your mate space, and allow them to come back to you. Let it be on their terms, because they dont want to feel like you are forcing them to do anything. Send them the non-verbal message you will always love them and you will always be there, and you should find the behavior happening less and less often. Sexual abuse not only affects the victim and the perpetrator, but everyone who has a relationship with the person who is abused. The reason why we are so attracted to our mates is because we can see what strong, charming, beautiful and amazing people they are, despite what happened to them in the past. We feel inspired by our mates, and wonder how they even have the courage to love. We question if we would have the same courage, had the same thing happened to us. Therefore, we love them, adore them, and do everything in our power to let our mates know that they are safe, cared for and protected. In turn, we become a better person. We strive harder than a person who is in a normal relationship to be gentle, kind and respectful. We learn patience, perseverance and understanding all for the sake of love. And this love transforms both our mate and our self. In closing, here are some ways you and your mate can share your experience, strength and hope with other people in the world who are hurting. And at the same time, you will form a deeper bond with your mate, heal the effects of sexual abuse, and make the world a better place: Volunteer for organizations that take a proactive stance against sexual abuse and assault. For instance, protect childrens rights by being their advocate in court hearings. Send an anonymous donation to a non-profit dedicated to healing the effects of sexual abuse. If such an organization doesnt exist, create one! Volunteer to take calls at a crisis center / hotline. Join either an online community or a brick and mortar one to congregate with other people who know exactly what you are going through, and who have the same resolve to do something about turning the negative experience into a positive one. A great way to reclaim your personal power and to not feel so helpless about what has happened to you or your mate is to do something in a positive direction to prevent the abuse that is happening right now in the lives of millions on a daily basis. Let the horrific experience of sexual abuse, both directly and indirectly, transform you and your mate into powerful heroes, not helpless victims. For other articles by Rhiannon Rose, visit http://www.loveroflove.com, an online community dedicated to enriching the lives of those who wish to harness the power of love in SEVEN of loves different forms. Lover of love is filled with hundreds of free articles, quotations and poetry dedicated to inspiring the love inside of you. Lover of Love also encourages you to share your love with others, and inspire the love thats inside of them! Fall in love with the process, and you will officially become a Lover of Love! Visit http://www.loveroflove.com today! 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Tuesday, October 23, 2007

Newest Wedding Favors of 2007

By Yolanda Nash So you are soon to be wed and you would love to give your wedding guests some really nice wedding favors at your reception. Wedding favors are a really ideal and thoughtful way to show your appreciation to all of your family, friends and guests at your wedding. So below I have listed some of the newest wedding favors of 2007. Bride and Groom Place Card Holder Your guests will surely have a smile when they see these miniature versions of the happy couples festive attire on display with their seating assignments. After all, the gown and tux are such big parts of your special day and these detailed replicas double as place card holders for the event and note or photo holders in your guests homes. Each painted poly resin favor is 4 x 1 and includes a swirled wire holder at its top. Whats really nice about these place card holders is that they double as wedding favors for your guests. The New Vineyard Collection Crystal Ball Design Bottle Stopper As eye catching favors for all occasions, these sparkling wine stoppers are clearly a great choice! Each 3 x 1 favor features a shining multi-faceted acrylic crystal ball style ornament atop a tapered chrome stem. Each chrome wine stopper is packaged upright in a deluxe clear box with a black top and bottom allowing a dramatic 360 degree view of the favor, finished with a white organza bow and a designer heart shaped thank you tag attached. Choice Crystal Oyster Shell With Pearl Favors Throughout history, the pearl has never lost its appeal as one of Mother Natures most remarkable gems. And, each of these 1 x 2 favors, features a radiant half opened crystal oyster shell with a pearl resting inside. Surrounded by satin inside a Choice Crystal signature silver heart design box, tied with an organza and satin bow with a crystal heart on top and an attached matching heart shaped tag, these favors make for a stunning presentation. Resin Clapboard Style Place Card Frame You can give your guests their chance to feel like theyre up on the silver screen when you display their names in these playful movie themed place card frames. Each 3 x 3 poly resin frame is designed to resemble a classic movie clapboard ready to mark an exciting scene. Packaged in a white gift box, they can also be used to hold a 2 x 3 photo after your event is through. Choice Crystal Perfume Bottle This beautiful and useful wedding/shower favor features a shimmering multifaceted crystal perfume bottle base with a silver accented crystal heart perched on its top. The 2 x 1 bottles top screws off to reveal an attached glass applicator inside. Surrounded by satin inside a Choice Crystal signature silver heart design box (3 x 2 3/8), tied with an organza and satin bow with a crystal heart on top and an attached matching heart shaped tag, these favors make for a stunning presentation. These are just a few of the many new wedding favors of 2007. Some are not expected until early February 2007. So be sure to browse around the many different retailers and we are sure you will find what you are looking for. Yolanda is the owner of Yolandas wedding favors and wedding planner. She enjoys seeing all the different table decorations and wedding party favors that go along with the reception. So be sure to check out her great line of bridesmaid gifts she carries tote bags, lots of personalized gifts for your bridesmaids and alot more. So be sure to check out Yolandas wedding favors first for all of your wedding needs. Article Source: http://EzineArticles.com/?expert=Yolanda_Nash http://EzineArticles.com/?Newest-Wedding-Favors-of-2007&id=421133 free true father daughter incest stories incest vbulletin young incest porn incest mom son gallery
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Sunday, October 21, 2007

Scholarships, Bursaries, and Grants: How to Pay for School

By Morgan James You want to go to university. You want to get a fantastic, well-paying job. In the meantime, however, you are stuck with a bill for thousands of dollars. Where are you going to get the money? Get a Scholarship You can get scholarships for many different things. Some scholarships are available through academic achievement. Other scholarships are available for sports. Some schools offer you scholarships simply for attending. Sometimes you have to search for scholarships. Talk to your guidance counselor, or your schools department of awards and financial aid for information on how to find and apply for scholarships. (You can also check out www.theguideto-studentloans.com for more information). Get a Bursary Bursaries are like scholarships, but they often require you to prove that you need financial aid. Sometimes it is simple to prove financial aid (by bringing in proof that your income doesnt meet your needs to pay tuition and living expenses). Other times you have to go through a more strenuous application process where you have to have your parents financial information as well. Unlike scholarships, which are sometimes offered without you even applying, you typically have to apply for any bursary that you want. You can find bursaries online at scholarship sites, or you can find them through your high school or college. Get a Grant Grants are typically given to upper year students or students who are writing a thesis or dissertation. Grants are not like scholarships. For scholarships, you send in your resume or curriculum vitae and you hope that an organization will give you money based on your previous success record. For grants, you have to send in your resume and CV as well, but you also have to write a proposal. In your proposal, you explain what work you intend to do. You might then get a grant based on your proposal. Grant-writing tends to be much more involved than scholarship applications. You can get grants from the government, from your school, and from third party organizations. Get a Fellowship Upper year students and graduate students can also often apply for a fellowship. A fellowship means that you will be filling a position at the school. This typically means that you deliver a lecture or two, or sometimes teach a course. Each fellowship position is different. Fellowships are competitive, but worth the application. They will in turn look good on your curriculum vitae. Get a Job If applying for grants, scholarships, and bursaries is not your cup of tea, consider going to school part time and working part time. You might also be able to fit a small part time job in on top of your full-time coursework. You can often get a job on campus that will help you to better balance your work and school. Can you work in your department? Not only can you work on campus, you could choose to work at a job that supports your studies. If you are a great student, consider tutoring. If you are studying theatre, get a job at the box office. If you are in sciences, see if there are any laboratory positions available. You can work as a research assistant in almost any department at a university. Will they pay you to co-ordinate student volunteer programs or to run the childcare center? Finding employment during college can be easy and fun. Get a Loan Anyone can successfully obtain a student loan. You just want to make sure that you get the loan thats right for you. You want the best rates, the best package, and the best deal. To sort yourself through the maze of student loans (graduate student loans, parent loans for students, student loan consolidation, international student loans and much more) visit The Guide to Student Loans (link below). With all of the options on how you can pay for your post-secondary education, its no wonder that more people are going to college and university now. It might seem daunting at first, but narrow your options and choices to find out the best way to pay for your university funding, and you will be one step closer to your degree! Morgan James is the editor of The Guide to Student Loans. For more information on how to pay for your degree, check out The Guide to Student Loans information on types of loans, budgeting for school, and studying abroad. This site will help you concentrate on your school experience instead of your wallet. Article Source: http://EzineArticles.com/?expert=Morgan_James http://EzineArticles.com/?Scholarships,-Bursaries,-and-Grants:–How-to-Pay-for-School&id=295904 cheap online ambien next day ambien prescription on line is it legal to order ambien online online order purchase ambien
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Saturday, October 20, 2007

UCITS - 1985 - 2004

By Rafik Patel The Single Market for Investment Funds When the original Undertakings for Collective Investment in Transferable Securities (UCITS) Directive was adopted in December 1985, Jacques Delors idea of a single market had only just emerged and the Single European Act with the now all too familiar 1992 objectives had yet to be endorsed. This is why, from todays perspective, the Directives fairly unambitious aim to approximate conditions of competition and to ensure more effective and more uniform investor protection was easily attained. Also, when the discussion on a modernisation of the Directive started in late 1991, nobody considered achieving a single market for investment funds the intention simply being to modernise the Directive and to include as yet nonharmonised products. Only when the Commission published its Strategic Programme in 1993 did the discussion on a single market for financial services really get off the ground. A further significant step forward came in 1999, when the modification of the UCITS Directive became part of the Financial Services Action Plan. This in turn forced the Council to advance its discussions over UCITS, which had been locked in stalemate for several years because of very different opinions on issues such as the use of derivatives, funds of funds, index funds or the passport for the depositary. Nevertheless, the basic elements of the Directive are today as undisputed and modern as they were some 20 years ago: Comprehensive information for investors; Effective supervision of the fund and its manager; Meaningful diversification in tradable and liquid instruments; Separation of management and segregation of assets These principles have made UCITS as we know them, that is an efficient savings instrument combined with a high level of investor protection. The new Directive has left these principles untouched and has even gone so far as to reinforce them. While broadening investment opportunities, for example through a wider use of derivatives, the new Directive strengthened risk-spreading rules and improved investor protection with the introduction of a simplified prospectus. While allowing new activities such as discretionary asset management, regulation of the management company too was strengthened, for example through capital requirements and rules on delegation. Despite all this, ten months after its final application date the Directive does not yet really work. A number of transitional issues are only now being solved by the Committee of European Securities Regulators (CESR) (to wit the recently closed public consultation by CESR), the two Commission Recommendations on the use of derivatives and on some contents of the simplified prospectus have yet to be implemented in many countries. Also, a number of definition problems, in particular with respect to eligible investment instruments for UCITS, are only now starting to be considered by CESR and a public consultation as well as a public hearing are planned for April/May 2005. The final Level 2 regulation will surely not be on the table before late 2005. Other issues are bound to come up once the new Directive is really working. Even when this happens, the single retail market for investment funds will not have been achieved. This is made clear in the recent report of the Commissions Experts Group on asset management. CESRs working programme on investment management already draws some conclusions. While other markets, such as insurance and banking, seem to be undergoing further development, the Commission and CESR both agree that future regulation is needed to achieve the final goal of a single market for investment funds. What such legislation might look like will be the key discussion point between legislators, regulators and the industry in the years to come. The main obstacles to the single market for investment funds have been more or less identified Cross-border registration of passported funds is still far too complicated, time consuming and expensive; Merging funds or pooling funds assets across borders is nearly impossible because of regulatory and tax barriers; The passport for the management company is not what it should be: managing funds across borders is impossible; A significant number of funds (such as real estate funds) are not covered by the Directive; As the Directive is not a Lamfalussy-style directive, any modification and/or modernisation requires a new directive, which we all know is burdensome and very time consuming. Competition Challenges Another problem is that the current Directive is mainly a so-called product directive unlike the more modern Investment Services Directive/Markets in Financial Instruments Directive (ISD/MiFiD) and other financial services directives. UCITS are increasingly competing with new products, such as structured notes, which though less regulated and less transparent are nonetheless, in the case of retail investors, difficult to distinguish from the highly regulated investment funds. Retail investors are increasingly keen on these absolute return products. Should it prove impossible to provide them with similar products under the UCITS Directive because of a restrictive interpretation of allowed investments for example, What are transferable securities? What about investment in structured notes or in listed closed ended funds? they will, in fact, be the losers. They will be driven towards products which might look cheaper, but which in reality provide a lower level of investor protection. The discussion on how to achieve a balanced regulation for UCITS in this respect will be one of the core issues on the regulatory agenda in the months ahead. However, a really convincing and consistent solution to the problem will probably not be achievable under the current Directive simply by including new products. The shape of the current Directive needs to be reconsidered. Nobody today will argue that investor protection can also be achieved through other means such as a certain level of distribution regulation, as currently being undertaken through Level 2 regulation within the MiFiD. These are all points which the Commission will have to take into account when drafting its Green Paper on UCITS, the answer on the review clause included in the UCITS Directive, planned for mid-2005. http://www.fsp-search.com Article Source: http://EzineArticles.com/?expert=Rafik_Patel http://EzineArticles.com/?UCITS—1985—2004&id=80441 buy phentermine fast buy phentermine on line phentermine no prescription no doctor phentermine mg without a prescription
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Friday, October 19, 2007

In Your Face

By Shael Siegel Newtons Third Law of Motion states that every action has an equal and opposite reaction. I wonder if this same Law can be loosely applied to social science as well. Rabbinic literature comments that the exodus from Egypt was predicated on three things: they did not change their names; they did not change the style of their garments; and they did not change their language. By not abandoning their given names, style of clothing and language the Hebrews cleaved to their cultural social and religious identity, refusing to assimilate into mainstream Egyptian society. The biblical account of the exodus story can be understood as the struggle between two competing cultures. It is a beautiful text because it does not present a one sided version of the events, but explains too the concerns of the Egyptians. They were worried that the Hebrews were becoming too numerous and too influential and would one day threaten their political/culture hegemony. From the text it is not clear what exactly their fears were. Were they afraid that the sheer number of the Hebrews would turn the Egyptians into a minority? Were they concerned over their rising political influence? Were their fears simply that they did not wish to deal with a fifth column, a parallel and perhaps competing culture developing within their midst? Well probably never know for sure what their fears were but we can assume that whatever they were, the Egyptians resented the Hebrews because apparently they were in their face. This is reinforced by the biblical account that the Egyptians were concerned that the Hebrews were “Rav Vatzum Mimenu”: much too powerful and numerous. I also believe they were becoming too influential, otherwise why say Rav Vatzum? The antidote of course was to get a handle on their proliferation, and the rest as they say is history. This story of the Exodus is not hard to conceive. If we fast forward to America in the twenty first century we find a similar trend. After all, are not Americans concerned that the illegal immigration of Mexicans and others challenging our porous borders might result in a take over of Anglo-Saxon culture or pose a security risk? In fact there are several states that have passed legislation making English the legal language. Many Americans are concerned with the issue of foreign population control within the borders of the United States. Could you imagine American culture falling under the influence of Mexican /Hispanic culture? Is it possible that we are beginning to experience a backlash to Mexican in your face presence with current proposed legislation? What about Jews? We are disproportionately represented as Members of Congress and disproportionately hold academic posts in our best universities as well as a disproportionate presence in the national media. Do you think that we may be in their face? Could you imagine if all 5.5 million Jews in the United States were dressed in Eastern European Jewish garb — and all speaking Yiddish? How would that impact the way Americans view us? Do you think that there is some truth to Newtons third Law of Motion within a societal context? Our history, unfortunately is riddled with terribly ugly shades of anti-Semitism and my intention here is not to exonerate the predators but to pause a moment and check whether or not we may have indirectly become enablers — enabling them to perpetrate their evil. A minority group too visible in its host society is begging for a backlash. Could this be the lesson of the enslavement of the Hebrews? It is very easy to assess the African American or the Hispanic community in the USA through this prism and see the forces of prejudice coalesce in response to the minority groups growth politically and socially. The Jewish community is not exempt from this phenomenon. A generation ago the Jewish community was not as strong as it is today, politically or financially and assumed a modest posture within the American cultural/political matrix. We did well, prospered and our children benefited from the best education and living standards in the world. But with the growth of our political presence we became more aggressive and more in their face. We began making demands in terms of legislation based upon equality and religious freedom. For example, it became illegal for an employer to deny employment to Sabbath observers. I am not suggesting that this legislation was flawed but only suggesting that there are no free rides and sometimes there are consequences. And I wonder if we can apply Newtons Third Law of Motion? Sometimes you can push for what is legitimately right but we have to be prepared for the consequences. I never thought that I would witness anti-Semitism, but in Europe it has once again begun to raise its ugly head. Many of the pundits and Jewish intellectuals are quick to point out that this is not your garden variety anti-Semitism that we have experienced in Europe in the past, but something different. It is linked to Zionism and Israels position vis a vis the Palestinian problem. Frankly it really does not matter to me what the etiology of this years version of anti-Semitism is. A dead Jew is a dead Jew. Apparently there is enough concern that the rabbinate in France has counseled the Jewish community to be less noticeable, to blend in more to the general population. Rather than wear a kippah on the street one should wear a hat. In a word, the rabbinate is cautioning the Jewish community to be less in the face of their gentile neighbors. What is upsetting in all this is that we just do not seem to learn from history. We, the people of the book, scholars who have made it our mission throughout history to be the recorders of history, perhaps more than any other people have not learned from history. We may be researching, writing and analyzing, but we lack fundamental intuition and understanding. Apparently we have a tendency that when conditions are welcoming and we seem to aggregate a little power and money we get in their face. It happened throughout our experience in Europe and it is happening again in Europe as well as in America. Every year after Thanksgiving, I get a little queasy. Queasy, because the war against Christmas becomes a prominent issue among many Americans. Why, they argue, is it acceptable to have discussions about Ramadan and Hanukah but not Christmas in the public school system. Why is it acceptable to display a Menorah in a public building or property, but not the nativity scene? I have often wondered how is it that we are able to not only display the Menorah on public, federally funded property but not have a scene of the Manger. The answer that is most commonly given is that the manger scene is clearly a religious icon and therefore cannot be displayed; however the Menorah is not religious but rather cultural. This is news to me! As far as I understand, the Menorah is clearly a religious article. There is a significant amount of halachic literature written on the Menorah: How it is to be lit, which blessings to say, where should it be lit, how it should be constructed etc. If this was a cultural ceremony, there would not have been blessings associated with it, nor would there have been so much discussion on the nature of the holiday itself. To religious Jews the center piece of the holiday was not the victory of the Maccabees but the miracle of the oil. The emphasis here is on the miracle, which in itself is a religious concept. So I ask myself again, if this is a religious holiday and one fulfills the commandment by saying the blessings over the Menorah, how is it that it can be placed in public buildings? Chabad (group belonging to the hassidic Lubavitch sect) in reality is doing a disservice to the Jewish community by making the public lighting of the Menorah located in federally funded buildings one of its raison detre. Why do they feel the necessity of being in their face? The mitzvah of pirsum (publicly displaying the Menorah) relates to Jews not Gentiles. We are expected to place the Menorah in strategically noticeable places so that other Jews can see it. Gentiles seeing the Menorah are not part of the mitzvah (commandment) formulary. The Jewish law also states that if there is an issue of danger than you should not publicly display the Menorah. In other words, in a perfect world we should prominently display the Menorah at our doorposts opposite the Mezuzah for other Jews to see. But we do not live in a perfect world and the halacha recognized this. Besides, if we lived in a perfect world, we would all be living in Israel, and I would not be writing this essay. Halacha recognized that in your face Judaism is ill advised. The exodus story gives testimony to that. The Ramban (Nachmanides) understood it. The rabbinate in France has slowly come to the same conclusion. We in America still have not figured it out. Chabad in particular, is living in a fools paradise if they do not think that one day there may be a heavy price to pay for having been in their face. Newtons Third Law of Motion may, unfortunately, one day prove to be a valid concept when applied to social science. Shael Siegel is a post-denominational rabbi, educator, commentator and observer of the Jewish religious/social landscape. He manages a web site and writes a weekly blog which can be accessed through http://www.shaelsiegel.com/ Article Source: http://EzineArticles.com/?expert=Shael_Siegel http://EzineArticles.com/?In-Your-Face&id=464465 prescription free xanax buy xanax no perscription buy xanax online without a prescription can you buy xanax online
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Thursday, October 18, 2007

How To Translate Past Life Experience into Business

By Maxine Thompson As a self-publisher, you become a business person. Your book is your product. Your readers are your customers. When I first made my career change, I didnt think I had any business savvy. After all, I had been in a social service agency. I did court reports, visited children and parents, and handled emergencies. I was not a welfare worker, so I didnt deal with money. True enough, I did budgets and clothing orders, but overall, headquarters handled the money. My commerce was in the arena of human suffering, addictions, and family dysfunctions. Back in 1998, I went to a writers conference with a business woman, and I spent most of my time delivering poems and looking at the other exhibits rather than manning my own booth. Later, I said to my older son, (who has his own business), “I guess Im not about business.” Yes, you are about business. Dont say that.” He was referring to my ability over the years, as he called it “to wring water from rice.” From that I began to analyze my skills Id gained over the years. As a working mother, I had put many of my dreams on hold while I worked, and reared a family. Like Mary Kayes philosophy says, God, Family, then career. So now I am gleaning through the five philosophies I learned as a social worker, which I have applied over the past 6 years as a literary service provider, Internet radio show host, ghost writer, and now new literary agent. Treat every client (or customer) with respect. As a social worker I often dealt with derelicts, substance abusers, and prostitutes. I still felt that they were all worthy of human dignity. Because I treated them as such, they in turn, treated me with respect. The payoff: I was never assaulted during 23 years of working in high crime areas in the inner cities of Detroit and Los Angeles. When youre doing book signings, no reader is too small to not meet with a smile. Listen to their stories. Often they will come back and buy your book. Ive found the same applies in doing business with other businesses. You must have good interpersonal skills to work with people. This means you will not constantly be embroiled in arguments and disagreements. When I have problems with technical difficulties on my Internet shows that are beyond my control, Ive learned to be reasonable and not throw my hands up. It is important to never lose your momentum when you are building an audience, and this means sometimes having to accept that human beings error. They are late, sometimes they dont even show up. I usually rectify the problem with getting a free shownot quitting the show altogether. Create a bank of good will, where you can call on people for favors during a crisis. As long as you have a plan, doggedly stick to it in spite of obstacles, you will come out ahead in the end. As an emergency response worker, one evening I was assigned four foster children to place at 5:00 p.m. closing time. Meanwhile, my own child was at a day care, which closed at 6:00 p.m., and I had guests from out of town who I planned to be at a play with at 8:00 p.m. I managed to get to everything on time. I worked it out through delegation and support from co-workers I had previously helped. I also picked up my child before I placed the two remaining foster children. From this Ive learned the invaluable capital found in human relationships. I share resources with other writers and they have shared resources with me. Its like the story of “Stone Soup.” Ive given and received much in return. Your emergency is not my emergency, because you didnt do what you were supposed to do. Although I never said these words, it helped my attitude when I discovered that the name of the game was pass the buck. Often, superiors did not follow through with problems, and when emergencies erupted, they wanted to dump on the lower man on the totem pole, ergo, the worker. I found this was not a trap for me, because if you took care of what you were supposed to take care of, covered your bases, you could have grace under pressure. Working in a bureaucracy, the best way to run your desk was to keep your work in order. Whenever there was an investigation, it always blew over, because you kept your business in order. As the boss of your own business, it translates into “expect Murphys Law.” What can go wrong, will go wrong. Always be prepared with Plan B. Books do not always come from the printer on time. People try to blame you for things going wrong. Just stay cool and set strong boundaries. Everything will work out fine, that is, as long as you take action. I always answered every phone call and dealt with every problem as it arose. This kept small problems from snowballing into larger ones. Likewise, I am learning that this applies to following-up on calls and e-mails that are important for networking, even as a writer, Internet radio show host, literary agent, or literary service provider. There is no emergency except death. After my mothers death, I went into low gear, and nothing else could phase medeadlines, sanctions, subpoenas. So what? became my attitude. When I measured everything on the Richter scale of death, or perhaps because of this attitude change, it was never a big thing. The main thing was that I never lost a foster child (to death) on my caseload, because I had made a bad decision. This was in spite of the fact that the department I worked for constantly added more paperwork. On the upside, this paperwork brought in Federal funds and guaranteed the social workers job. But on the downside, this also increased the social workers demands (stress), and the number of foster children who werent visited on a monthly basis. Subsequently, there was an increase in the number of foster children who died under suspicious circumstances, and an increase in social workers and supervisors being fired from their job. Had a child died because I failed to visit him or made a bad decision, then “that” was an emergency. The paperwork I managed to keep up with, but I knew the main priority was child safety. Thus, I can say that I was a success as a social worker. So one can reason if they have been in another career, Ive done this before. There is a generic principle here. What is it? My answer is this: Just as I was successful doing crisis work, I began to see success in my business when I believed I could be successful in my writing, and dealing with other writers. Recently, I have seen an upturn in my literary agency in terms of deals closed. In spite of let downs, disappointments, and delays, persistence is beginning to pay off. I have also gained larger clients and have been able to successfully meet deadlines for these writers. Lets face it. Many of us are living longer and having multiple careers over our lifetime. The Internet and the economy have reshaped our career choices. In terms of business, I translate this into: Do what you love, because you are going to be dead a long time. Dr. Maxine E. Thompson is the owner of Black Butterfly Press, Maxine Thompsons Literary Services, Thompson Literary Agency and http://www.maxineshow.com She hosts Internet radio shows on http://www.artisfirst.com She is the author of eight titles, The Ebony Tree, No Pockets in a Shroud, A Place Called Home, The Hush Hush Secrets of Writing Fiction That Sells, How to Publish, Market and Promote your Book Via Ebook Publishing, The Hush Hush Secrets of How To Create a Life You Love, Second Chances, and Summer of Salvation. You can sign up for her free newsletter at http://www.maxinethompson.com Article Source: http://EzineArticles.com/?expert=Maxine_Thompson http://EzineArticles.com/?How-To-Translate-Past-Life–Experience-into-Business&id=213859 valium vicodin prescription valium online order order diazepam confirmation e-mail pax shopping valium cheap valium generic
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Wednesday, October 17, 2007

How Valentine’s Day Gifts Can Expose a Cheating Husband

By Ruth Houston If you have the nagging feeling that your husband may be having an affair, this is the ideal time to confirm what you suspect. The Valentines Day gifts he gives or receives can provide you with tangible proof of his infidelity. If your husband has a lover hes certain to buy her a Valentines Day gift; whether he receives one in return or not. This could prove to be his undoing. An observant wife can find some solid evidence this time of year if she knows what to look for and where to look. A husband can sometimes get away with giving his wife a card and a hastily purchased box of chocolates. But tradition demands that on Valentines Day, he gives his mistress a special gift. No self-respecting man would try to impress his girlfriend with a cheap token of his affection. If he wants to remain in her good graces (and in her bed) he has to buy her a decent gift. It goes without saying that gifts cost money. Even if your husband has been siphoning off small sums for several weeks or months, youll find evidence of his spending somewhere. If he doesnt pay in cash hell have to use his credit card. But theres always a paper trail. Have there been any suspicious withdrawals from your bank accounts? Check the time period shortly before or after Valentines Day. Were there any unexplained ATM withdrawals around this time? Check your credit card statements for the month of February, and the latter part of January too. Look for charges made at jewelry stores, womens specialty stores, or boutiques, florists, day spas, restaurants and the like. Scrutinize any charges made on February 14th. Check his wallet, his pockets, his backpack, his briefcase for charge slips or store receipts. If you find evidence of gift items you didnt personally receive, it should raise a red flag in your mind. Since your husband didnt give these gifts to you, who did he give them to? Check various places in and around your home for hidden gifts — under the bed, in the back of a file cabinet or dresser drawer, on the back of the closet floor, or on a seldom used shelf. Dont forget to search the car too. Look underneath the seat, in the trunk, in the glove compartment and in the tire well. If you find a hidden gift, dont jump to conclusions unless its obvious the gift is not for you (too large, too small, a color or style that he knows you wouldnt wear, or has another womans name attached). If Valentines Day passes and you havent received the hidden gift (but it’s now gone), then its obvious that he gave it to someone else. Make it your business to find out who. Shortly before Valentines Day, Carol found a box in her husbands sock drawer containing a diamond and sapphire ring. She said nothing because she didnt want to spoil the surprise. But on Valentines Day Jim gave Carol a dozen long stem roses and a gift certificate for a day of pampering at her favorite day spa. The next day Carol searched high and low but the ring box could not be found. She spent several sleepless nights trying to figure out what had become of the ring. Three weeks later Carol dropped by Jims office to meet him for lunch. One of his co-workers was wearing a ring similar to the one in the box. It didnt take Carol long to find out Jim and this woman were having an affair. Laura found a gift box containing a sexy negligee in the trunk of her husband’s car. He tried to pass it off as a gift he purchased for her but the gown was several sizes too small. No amount of persuasion on his part could convince Laura the salesclerk put the wrong size in the box by mistake. Especially since she had already found other telltale signs of a possible affair. Be suspicious of any unusually expensive gifts your husband receives this month. Especially if he claims he purchased the items for himself, but cant produce a receipt. Likewise, warning bells should sound if your husband receives gifts of an extremely personal nature, in February or at any other time. No woman other than yourself should be giving your husband six pairs of silk boxer shorts — unless its his mother or his sister. (And even then, you should check to make sure.) Take notice if your husband is missing for several hours on February 14th. Be wary if he invents excuses to come home late, or to run an errand later on, on Valentines night. These could be additional telltale signs. If you suspect your husband of cheating, Valentines Day gifts could provide the missing pieces of the infidelity puzzle. Especially if there have been other telltale signs in the previous weeks or months. It may be time to have a serious talk with your husband. If hes cheating, you dont want to be the last one to know. Find out whats going on before its too late. Ruth Houston 2004 About The Author Ruth Houston is the author of IS HE CHEATING ON YOU? 829 TELLTALE SIGNS. For more information about the book or about cheating men visit http://www.IsHeCheatingOnYou.com. To sign up for the free Infidelity Newsletter send an e-mail to CheatingSigns@aol.com Article Source: http://EzineArticles.com/?expert=Ruth_Houston http://EzineArticles.com/?How-Valentines-Day-Gifts-Can-Expose-a-Cheating-Husband&id=31322 buy dream online pharmaceutical tramadol order ultram online buy cheap tramadol generic for ultram
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