It's no doubt that we're in a recession - prices are up, spending is down; people are being laid off left and right. It's a pretty scary situation for everyone and can leave you needing emergency cash when you never thought you would. Now is the time to get pro-active and start saving as much money as you can. This way, you can create an emergency fund to cushion you and your family during difficult times. Here are 7 simple ways to save money in a recession.
1. Do all of your errands on one day - If possible, save your errands (shopping, paying bills, visiting the post office, etc) in one day. This will help you save gas by getting everything accomplished while you're out rather than making several trips a week to the same area for different things!
2. Rather than going to the movies, order a Pay-Per-View movie through your cable or satellite company. You'll be at home, so you'll have your own snacks already, you'll avoid paying $5 for a small drink and you'll save gas by staying home.
3. Purchase of brand items at the grocery store. Most of the time, the products are exactly the same and when you buy the more expensive brand, you're paying for the name only. You can literally save hundreds of dollars each year by purchasing off brand products.
4. Search for clothing at local thrift stores and garage sales. This is an especially great idea if you have young children. They grow so quickly that there's not much sense in
purchasing expensive clothing that they will only be able to wear for a few months. You can often find brand new or gently used and brand name clothing at thrift stores and garage sales.
5. Pay your bills online to save stamps and money on envelopes. While this doesn't seem like a lot of money saved, it definitely adds up.Another advantage of paying your bills online is that it's eco-friendly. It's also secure, so you don't have to worry about your personal information getting out.
6. If you're expecting a new baby (or already have a small child), try to get items for your baby through friends and family members. Most people know someone who has a child quickly outgrowing clothing, shoes, baby bathtubs, toys, etc. If you can't get the items free, offer to pay a fair amount - you can still save a lot of money by doing it this way rather than buying the items brand new.
7. Use coupons. A lot of people think that clipping coupons is really irritating and time consuming, but you can save thousands of dollars each year by using coupons. Another tip is to save your coupons for double or triple coupon day at your local grocery store. You can really save a lot of money with this trick.
If you follow these tips, you can really save a lot of money. The pennies, nickels and dimes will really add up over time. With the economy and jobs being the way they are, you never know when you will need your emergency fund!
2/15/2009
How Do I Know If She Is Lesbian?
The girl with whom you are dating for the last few days, might not be just a straight person like you. Or if you are a girl, your best friend could have different sexual preference, which is not similar to yours. But how do you know that? Being gay or lesbian is totally a physical attribute which they can not ignore. Even if they try to, one day or the other, these attributes are bound to come out. You might feel depressed if you get to know that out of the blue. It is always better to be confirmed about the girl, before you get involved with her for any kind of relationship. You can follow certain behavioral patterns of the girl to confirm about her sexual orientation.
1. You will certainly feel something different in her look. Her body language will often give you a clear hint about her orientation. She might try to be much closer to the girls around her physically. But, be very careful while judging her attitude towards you or other girls. She might turn to be just a straight person, who just loves to be accompanied by girls, rather than boys.
2. Find out if she has any rainbow signs, often with six colors, on any of her accessories. Actually, this is the symbol for gay or lesbian people. She might wear a rainbow bracelet, anklet or use a rainbow sticker on clothing or as tattoo. But, again do not draw any final conclusion from this. A straight girl also can use rainbow stickers unknowingly.
3. Just have a simple conversation with her on the topic of lesbians, and check out her reactions. She might support the movement or feel disgusted about them. This discussion might give you some hint about her sexuality.
4. Look for, whether she is wearing any upside down pink triangle. Long days back, this symbol became a sign for homosexual people. Also, lesbians or feminists are quite used to wearing a labrys symbol.
5. Every year in the last weekend of June, the gays celebrate a parade in most of the major cities. This is to strengthen their liberation movement. You might check whether your friend attends that or not.
6. But again you can not reach into any final conclusion, even if you feel positive indications from the above behavioral patterns. You can learn more about lesbians - their characteristics, their social attitude etc over the internet.
7. The best way to have confirmed answer is obviously to ask her verbally. Try to maintain a friendly relation with her so that she can confide in you. But she will share her most personal affair with you only if she feels that you are the most dependable person to confess. Never ever jump to any conclusion by yourself, as this might ruin the relationship
1. You will certainly feel something different in her look. Her body language will often give you a clear hint about her orientation. She might try to be much closer to the girls around her physically. But, be very careful while judging her attitude towards you or other girls. She might turn to be just a straight person, who just loves to be accompanied by girls, rather than boys.
2. Find out if she has any rainbow signs, often with six colors, on any of her accessories. Actually, this is the symbol for gay or lesbian people. She might wear a rainbow bracelet, anklet or use a rainbow sticker on clothing or as tattoo. But, again do not draw any final conclusion from this. A straight girl also can use rainbow stickers unknowingly.
3. Just have a simple conversation with her on the topic of lesbians, and check out her reactions. She might support the movement or feel disgusted about them. This discussion might give you some hint about her sexuality.
4. Look for, whether she is wearing any upside down pink triangle. Long days back, this symbol became a sign for homosexual people. Also, lesbians or feminists are quite used to wearing a labrys symbol.
5. Every year in the last weekend of June, the gays celebrate a parade in most of the major cities. This is to strengthen their liberation movement. You might check whether your friend attends that or not.
6. But again you can not reach into any final conclusion, even if you feel positive indications from the above behavioral patterns. You can learn more about lesbians - their characteristics, their social attitude etc over the internet.
7. The best way to have confirmed answer is obviously to ask her verbally. Try to maintain a friendly relation with her so that she can confide in you. But she will share her most personal affair with you only if she feels that you are the most dependable person to confess. Never ever jump to any conclusion by yourself, as this might ruin the relationship
Most Effective Way To Build Chest Muscles
The main area of the body most people say they would like to improve is the chest. The chest is the most prominent element of the upper body and it contains the largest muscle. Building muscle mass in your chest will boost your confidence and help stabilize your shoulders. For these reasons, it is the subsection of the body that lifters generally spend the most time working on.
Here are some fundamental exercises to help increase muscle mass in the chest.
Bench Press
Body Position – Good location is the most vital part of your bench press routine. Lie flat on the bench so there is continuous contact from buttock to back. The soles of your shoes should be in contact with the floor at all times. Your bar should be resting parallel to your eyes.
Movement – Continuously inhale deeply throughout the lifting phase to supply more oxygen to your body. Carefully lift the bar from its resting position and lower it to its destination - a few inches above your chest. Ensure the bar does not sharply fall on your chest, as a serious injury may occur.
Completion – Using a carefully controlled motion, press the weight back to its starting point. Lock both elbows and use the full extension of your arms to effectively build the entire muscle.
Cable Crossovers
Body Position – Stand equidistant from two different cable machines. Grab the cable from each using the nearest hand to it. The handles should be level with your shoulders and your elbows should be maximally bent. Provide a stable base for this exercise by placing one foot slightly in front of the other.
Movement – Push forwards and downwards in a cross shape until the cables become level with your waist. Exhale continuously throughout your movement, and avoid injury by ensuring your hands do not smash together.
Completion – In a careful and controlled motion, return the cables to the starting position. If you let the weights snap back quickly, you could risk potentially injure your arms.
Incline Press
Body Position – There are several different styles of press, either with fixed or adjustable chairs. With either, you will need to sit all the way back on the reclined seat, and the soles of your feet should be in contact with the floor.
Movement – Lift the bar from its resting position and begin carefully lowering it towards your chest. Take care not to drop the bar, as this could cause serious injury.
Completion – Extend your arms and lock your elbows to press the weight straight back up. This upper chest exercise should be a fluid, continuous motion. Careful control is of paramount importance.
Decline Press
Body Position – You will lie on the bench with your head lower down than the rest of your body. Your feet will be strapped onto the foot pads securely, and there will be continuous contact between your back and the bench.
Movement - Lift the bar from its resting position and begin carefully lowering it towards your chest. Take care not to drop the bar, as this could cause serious injury.
Completion - Extend your arms and lock your elbows to press the weight straight back up. It is sometimes difficult to gauge whether the bar is perpendicular to the floor, because your head is at an awkward angle, but the perpendicular motion is what builds muscle mass in your lower chest area and the inner portion of the chest.
Butterfly Press
Body Position – If you are using a machine, you will use the seat provided and position your arms on the bar. If you are using dumbbells, you will lie flat on your back on the bench with one in each of your hands. You will raise the dumbbells to the face- level starting point with your arms fully bent.
Movement – If you are using the machine, you will use your inner forearms to move the weights in a preset arc-like motion. If you are using dumbbells, you will use a fluid movement to carefully move them toward each other. They will meet slightly above your nose.
Completion - If you are using a machine you will move the weights back to their resting position using the padded arms. The machine will provide enough resistance to allow you to build muscle mass. For maximal muscle growth using free weights, you need to ensure the dumbbell travels down the exact same arc it went up. The continuous resistance throughout the exercise will be a priority if you are serious about building muscle.
Here are some fundamental exercises to help increase muscle mass in the chest.
Bench Press
Body Position – Good location is the most vital part of your bench press routine. Lie flat on the bench so there is continuous contact from buttock to back. The soles of your shoes should be in contact with the floor at all times. Your bar should be resting parallel to your eyes.
Movement – Continuously inhale deeply throughout the lifting phase to supply more oxygen to your body. Carefully lift the bar from its resting position and lower it to its destination - a few inches above your chest. Ensure the bar does not sharply fall on your chest, as a serious injury may occur.
Completion – Using a carefully controlled motion, press the weight back to its starting point. Lock both elbows and use the full extension of your arms to effectively build the entire muscle.
Cable Crossovers
Body Position – Stand equidistant from two different cable machines. Grab the cable from each using the nearest hand to it. The handles should be level with your shoulders and your elbows should be maximally bent. Provide a stable base for this exercise by placing one foot slightly in front of the other.
Movement – Push forwards and downwards in a cross shape until the cables become level with your waist. Exhale continuously throughout your movement, and avoid injury by ensuring your hands do not smash together.
Completion – In a careful and controlled motion, return the cables to the starting position. If you let the weights snap back quickly, you could risk potentially injure your arms.
Incline Press
Body Position – There are several different styles of press, either with fixed or adjustable chairs. With either, you will need to sit all the way back on the reclined seat, and the soles of your feet should be in contact with the floor.
Movement – Lift the bar from its resting position and begin carefully lowering it towards your chest. Take care not to drop the bar, as this could cause serious injury.
Completion – Extend your arms and lock your elbows to press the weight straight back up. This upper chest exercise should be a fluid, continuous motion. Careful control is of paramount importance.
Decline Press
Body Position – You will lie on the bench with your head lower down than the rest of your body. Your feet will be strapped onto the foot pads securely, and there will be continuous contact between your back and the bench.
Movement - Lift the bar from its resting position and begin carefully lowering it towards your chest. Take care not to drop the bar, as this could cause serious injury.
Completion - Extend your arms and lock your elbows to press the weight straight back up. It is sometimes difficult to gauge whether the bar is perpendicular to the floor, because your head is at an awkward angle, but the perpendicular motion is what builds muscle mass in your lower chest area and the inner portion of the chest.
Butterfly Press
Body Position – If you are using a machine, you will use the seat provided and position your arms on the bar. If you are using dumbbells, you will lie flat on your back on the bench with one in each of your hands. You will raise the dumbbells to the face- level starting point with your arms fully bent.
Movement – If you are using the machine, you will use your inner forearms to move the weights in a preset arc-like motion. If you are using dumbbells, you will use a fluid movement to carefully move them toward each other. They will meet slightly above your nose.
Completion - If you are using a machine you will move the weights back to their resting position using the padded arms. The machine will provide enough resistance to allow you to build muscle mass. For maximal muscle growth using free weights, you need to ensure the dumbbell travels down the exact same arc it went up. The continuous resistance throughout the exercise will be a priority if you are serious about building muscle.
2/08/2009
Booking Travel Online - 5 Tips You Must Know
Booking travel online is big business these days and on the plus side puts a lot of power in the hands of the consumer to reserve their own travel arrangements. But it’s critical you know 5 things to get the best deal and discount available. So before you begin your travel research and booking online read this article.
ALL TRAVEL WEB SITES ARE NOT CREATED EQUAL
When booking travel online they’re two types you can use: the traditional travel web sites such as Expedia, Orbitz, and Travelocity, and what are being called these days Travel Search Engines, which include SideStep and Kayak.
The main difference is in the search capability. A travel web site like Orbitz only searches its own database of available flights, hotel rooms, and car rentals. So the search is restrictive. But you’ll get more search features and booking travel services offered at these sites.
At travel search engines such as SideStep, the results will include selections from airline sites, travel web sites, and other databases containing flight, room and car rental availability. The drawback is a more "spartan" search capability, and you won’t get many of the cool features you’ll find at a travel web site.
IT REALLY DOES PAY TO COMPARE AS MANY AND AS OFTEN AS YOU CAN
If you want the cheapest fare or room, always check out multiple sites before booking travel online. Many travel web sites negotiate and purchase large blocks of fares and rooms directly from airlines and hotels, and then pass the savings onto consumers. But because the reduction varies between sites, the quoted rate for the same seat on a flight, or room in a hotel, can vary dramatically... and many times from day-to-day. So it not only pays to check and compare other sites, but if you’ve the time, to do it often.
TRAVEL WEB SITES DON’T ALWAYS GET THE BEST DEAL
Because of the competitiveness of the travel industry these days here’s another worthwhile step to take before you press that "submit" button at your chosen online booking site... hop over for a final check at the airline, hotel, or car rental company web site for any special offers or lower rates you may get if you book directly. Sometimes the best deals are reserved for their own online customers or preferred clients, and you’ll even avoid fees.
BEWARE OF TRAVEL WEB SITE SERVICE AND TRANSFER FEES
Booking travel online at travel web sites usually involves a service fee. In most instances it’s not outrageous and is usually around $5 per ticket or booking. Recently, I’ve seen some fees nudging up around $20 and there’s no need to pay that much. But the fees to be aware of are transfer fees when you change itinerary or cancel. It can cost you $100 or more to change after you’ve booked a flight. And if you want a refund, then it can be very frustrating, as you’ll likely spend hours on the phone to get to somebody who can authorize it.
The travel search engines make money from paid advertising and a referral fee from the airlines or hotels, so usually you don’t pay a fee when using them to book. But this is changing so always check for fee disclosure before booking.
Generally, the fees should never be hidden from you, but in a rush to book you may easily overlook a charge that wasn’t obvious before. The profit margins for online travel sites are low, and they can be very creative in their fee structure if you don’t pay close attention.
THE HIDDEN LINK THAT CAN SAVE YOU MONEY
Many of the travel web sites have a link on their page that allows you to become part of their affiliate program for no cost. It’s usually at the bottom and not obvious. By becoming an affiliate you can earn a small commission for everybody you refer to them that purchases a ticket, reserves a room, or rents a car.
But before you rush out and quit your day job and set yourself up as a home-based travel agent, be aware you’ll have to send thousands of people to make any decent money. But there’s an even better reason to become an affiliate. As an affiliate most sites will allow you to purchase your own tickets and still get paid the commission. It’s effectively a discount. Be sure to check the fine print on the agreement just so you’re familiar with the restrictions if any, and how they’ll pay you. But if you do a lot of booking travel online then check it out to see if it’ll work for you.
The travel industry continues to adjust to the advantages of the Internet. Billions of dollars have been invested in online travel booking systems, and new players continue to enter the market every year. Armed with these tips you’ll be better prepared to navigate through the maze to the very best deal for you. And there’s still that travel agent in the mall if you just can’t be bothered with the whole game of booking travel online.
ALL TRAVEL WEB SITES ARE NOT CREATED EQUAL
When booking travel online they’re two types you can use: the traditional travel web sites such as Expedia, Orbitz, and Travelocity, and what are being called these days Travel Search Engines, which include SideStep and Kayak.
The main difference is in the search capability. A travel web site like Orbitz only searches its own database of available flights, hotel rooms, and car rentals. So the search is restrictive. But you’ll get more search features and booking travel services offered at these sites.
At travel search engines such as SideStep, the results will include selections from airline sites, travel web sites, and other databases containing flight, room and car rental availability. The drawback is a more "spartan" search capability, and you won’t get many of the cool features you’ll find at a travel web site.
IT REALLY DOES PAY TO COMPARE AS MANY AND AS OFTEN AS YOU CAN
If you want the cheapest fare or room, always check out multiple sites before booking travel online. Many travel web sites negotiate and purchase large blocks of fares and rooms directly from airlines and hotels, and then pass the savings onto consumers. But because the reduction varies between sites, the quoted rate for the same seat on a flight, or room in a hotel, can vary dramatically... and many times from day-to-day. So it not only pays to check and compare other sites, but if you’ve the time, to do it often.
TRAVEL WEB SITES DON’T ALWAYS GET THE BEST DEAL
Because of the competitiveness of the travel industry these days here’s another worthwhile step to take before you press that "submit" button at your chosen online booking site... hop over for a final check at the airline, hotel, or car rental company web site for any special offers or lower rates you may get if you book directly. Sometimes the best deals are reserved for their own online customers or preferred clients, and you’ll even avoid fees.
BEWARE OF TRAVEL WEB SITE SERVICE AND TRANSFER FEES
Booking travel online at travel web sites usually involves a service fee. In most instances it’s not outrageous and is usually around $5 per ticket or booking. Recently, I’ve seen some fees nudging up around $20 and there’s no need to pay that much. But the fees to be aware of are transfer fees when you change itinerary or cancel. It can cost you $100 or more to change after you’ve booked a flight. And if you want a refund, then it can be very frustrating, as you’ll likely spend hours on the phone to get to somebody who can authorize it.
The travel search engines make money from paid advertising and a referral fee from the airlines or hotels, so usually you don’t pay a fee when using them to book. But this is changing so always check for fee disclosure before booking.
Generally, the fees should never be hidden from you, but in a rush to book you may easily overlook a charge that wasn’t obvious before. The profit margins for online travel sites are low, and they can be very creative in their fee structure if you don’t pay close attention.
THE HIDDEN LINK THAT CAN SAVE YOU MONEY
Many of the travel web sites have a link on their page that allows you to become part of their affiliate program for no cost. It’s usually at the bottom and not obvious. By becoming an affiliate you can earn a small commission for everybody you refer to them that purchases a ticket, reserves a room, or rents a car.
But before you rush out and quit your day job and set yourself up as a home-based travel agent, be aware you’ll have to send thousands of people to make any decent money. But there’s an even better reason to become an affiliate. As an affiliate most sites will allow you to purchase your own tickets and still get paid the commission. It’s effectively a discount. Be sure to check the fine print on the agreement just so you’re familiar with the restrictions if any, and how they’ll pay you. But if you do a lot of booking travel online then check it out to see if it’ll work for you.
The travel industry continues to adjust to the advantages of the Internet. Billions of dollars have been invested in online travel booking systems, and new players continue to enter the market every year. Armed with these tips you’ll be better prepared to navigate through the maze to the very best deal for you. And there’s still that travel agent in the mall if you just can’t be bothered with the whole game of booking travel online.
Enjoy a Luxury Ride With Denver’s Airport Services
It is inevitable for us to travel especially if we have important business travel, out-of-town, and vacation spree. In this case, many people opt to leave their cars at home and hire Denver airport car services to and from the airport. Taking an airport car service in Denver helps save budget because you don’t need to fill up your gas and pay for the parking. You don’t need to drive to and fro the airport and your destination; so, you save more on time and money!
How do you look for Denver airport transportation? Are you sure that the one you hired pick you up on time and give the best transportation service? What are your standards in choosing the right airport service?
The first thing you should do is to arrange an airport service, be it a Denver airport taxi service or Denver shuttle service. Check out the Yellow Pages and the internet to make your search a lot easier. Take time to read the company’s profile and terms of services. Careful background check involves scrupulous search on the company’s credentials and safety record. Safety has always been an issue when choosing an airport service because no one wouldn’t want to risk his or her life in the hands of a company who has records of road accidents and fatalities.
Before you arrange or agree to their terms of service, it is important to carefully explore information or documents about the company. Look at court records and the airline where they are affiliated at. Take note, although the internet is the fastest access to information, the information included to it is not always reliable and true. They can always cloak their identity using persuasive advertising tools, so be wise enough in choosing the right one!
Ask the points of service and the distance they travel to pick you up. This will serve as your guide to know if the company will do well and will pick you on up on time. Don’t just rely on the ads you see but it is better to ask them the terms of services. It would be much convenient to hire a company that provides door-to-door service to and from the hotel and airport.
Other considerations include are the safety of you luggage, bond, and the route available. Some airport limo services picked up other passengers so you should be ensure that your luggage is safeguarded against theft or damage. In case of accident, you should be guaranteed with full insurance that covers the hospitalization and medicines.
Also, some airlines are always late and cancel flights unexpectedly. This circumstance should be taken into consideration, ask the company beforehand on how they handle delayed and cancelled flights. How long will you be waiting for the chauffeurs if the flight is late? Will they just leave you alone if the flight is cancelled?
Make sure the vehicles are well-maintained, clean and comfortable, and the drivers are prompt and courteous. The rule of thumb here is never rush on things; everything should be well-planned and the company you’ve hired will give the best service you deserve!
How do you look for Denver airport transportation? Are you sure that the one you hired pick you up on time and give the best transportation service? What are your standards in choosing the right airport service?
The first thing you should do is to arrange an airport service, be it a Denver airport taxi service or Denver shuttle service. Check out the Yellow Pages and the internet to make your search a lot easier. Take time to read the company’s profile and terms of services. Careful background check involves scrupulous search on the company’s credentials and safety record. Safety has always been an issue when choosing an airport service because no one wouldn’t want to risk his or her life in the hands of a company who has records of road accidents and fatalities.
Before you arrange or agree to their terms of service, it is important to carefully explore information or documents about the company. Look at court records and the airline where they are affiliated at. Take note, although the internet is the fastest access to information, the information included to it is not always reliable and true. They can always cloak their identity using persuasive advertising tools, so be wise enough in choosing the right one!
Ask the points of service and the distance they travel to pick you up. This will serve as your guide to know if the company will do well and will pick you on up on time. Don’t just rely on the ads you see but it is better to ask them the terms of services. It would be much convenient to hire a company that provides door-to-door service to and from the hotel and airport.
Other considerations include are the safety of you luggage, bond, and the route available. Some airport limo services picked up other passengers so you should be ensure that your luggage is safeguarded against theft or damage. In case of accident, you should be guaranteed with full insurance that covers the hospitalization and medicines.
Also, some airlines are always late and cancel flights unexpectedly. This circumstance should be taken into consideration, ask the company beforehand on how they handle delayed and cancelled flights. How long will you be waiting for the chauffeurs if the flight is late? Will they just leave you alone if the flight is cancelled?
Make sure the vehicles are well-maintained, clean and comfortable, and the drivers are prompt and courteous. The rule of thumb here is never rush on things; everything should be well-planned and the company you’ve hired will give the best service you deserve!
The Benefits Of Student Loan Consolidation
Are you tired of paying interest on student loans every month? Do you have increasing anxiety about your looming deadline to pay back your loans? There is an easier way that will ease your worries. Get your student loan(s) consolidated. One simple operation turns many headaches into one manageable situation.
There are many financial institutions offering school loans to college students. The problem is their interest rates are generally quite high. Students paying interest monthly on their loans often find it financially impossible to keep up. Then when the loans come due, it can be a huge burden and a disruption to building a career.
Student loan consolidation offers the best deal. Not only are the interest rates low, but also there is a 6 to 9-month grace period, only one monthly payment, and peace of mind.
Here are just a few of the benefits you can enjoy:
1. Make only one monthly payment, rather than paying several separately.
2. Make an overall lower monthly payment.
3. Applications don't require a credit card check or processing fees.
4. Have a very low, fixed interest rate that cannot exceed more than 8.25% at any time. National interest rates are now at a 40-year low.
5. Terms and payment plans that are very flexible. Providers can design your consolidation loan to meet your financial situation.
6. Ability to prepay your loan at any time without incurring a penalty.
7. Save an additional quarter-percent on your interest rate by paying electronically. Electronic debit option saves money and eliminates the chance that you'll forget to make on-time payments.
The government program is competitive with the private institutions. Student loan consolidation rates are fixed and can't be modified after the contracts are approved and signed. Whenever you graduate or cease to be a full time student, you can also enjoy the grace period that allows you time to become employed and repay your loans easily.
Students who are within their grace period, those who can't repay what they still owe on their student loans, as well as those who are still in school, may take advantage of consolidating their government-guaranteed loans.
There are many financial institutions offering school loans to college students. The problem is their interest rates are generally quite high. Students paying interest monthly on their loans often find it financially impossible to keep up. Then when the loans come due, it can be a huge burden and a disruption to building a career.
Student loan consolidation offers the best deal. Not only are the interest rates low, but also there is a 6 to 9-month grace period, only one monthly payment, and peace of mind.
Here are just a few of the benefits you can enjoy:
1. Make only one monthly payment, rather than paying several separately.
2. Make an overall lower monthly payment.
3. Applications don't require a credit card check or processing fees.
4. Have a very low, fixed interest rate that cannot exceed more than 8.25% at any time. National interest rates are now at a 40-year low.
5. Terms and payment plans that are very flexible. Providers can design your consolidation loan to meet your financial situation.
6. Ability to prepay your loan at any time without incurring a penalty.
7. Save an additional quarter-percent on your interest rate by paying electronically. Electronic debit option saves money and eliminates the chance that you'll forget to make on-time payments.
The government program is competitive with the private institutions. Student loan consolidation rates are fixed and can't be modified after the contracts are approved and signed. Whenever you graduate or cease to be a full time student, you can also enjoy the grace period that allows you time to become employed and repay your loans easily.
Students who are within their grace period, those who can't repay what they still owe on their student loans, as well as those who are still in school, may take advantage of consolidating their government-guaranteed loans.
Assisted Living Is Seniors' Top Long-term Housing Choice
Assisted living facilities are a good option for seniors who need ongoing help with personal care and typical daily activities, yet who wish to retain their independence to the maximum extent. Here's more:
As Baby Boomers enter their retirement years, it's inevitable that some might start to need assistance with day-to-day activities. But they're understandably reluctant to forfeit their independence. If they have been accustomed to managing a business--or a family--they could have a difficult time acknowledging that they occasionally forget to take their medications, or even need help getting bathed and dressed. Because they don't need daily medical care at this point, assisted living might be a good housing option.
What is an assisted living facility? These facilities provide care for seniors who need some help with activities of daily living yet wish to remain as independent as possible. They essentially serve as a middle ground between independent living and nursing homes.
Assisted living facilities aim to foster as much autonomy as the resident is capable of. Most of them offer 24-hour supervision and an array of support services, with more privacy, space, and dignity than many nursing homes—at a lower cost.
There are approximately 33,000 of these facilities operating in the U.S. today. The number of residents living in a facility can range from several to 300, with the most common size being between 25 and 120 individuals.
An assisted living facility helps seniors with personal care, such as:
• Bathing
• Dressing
• Toileting
• Eating
• Grooming
• Getting around
Daily contact with supervisory staff is the defining characteristic of an assisted living facility. Medical care is limited, but it is often possible to contract for some medical needs.
Here are the key characteristics of assisted living facilities:
Activities of daily living (dressing, personal care): Comprehensive assistance provided.
Community activities (social events, outings, golf, etc.): Some activities offered.
Community services (laundry, cleaning, etc.): Many / most services provided.
Health dervices (medications, nursing care): Some services provided; not skilled nursing, however.
Environment (personal freedom):Residents are somewhat independent.
Overall health (physical, emotional): Residents have average health problems.
A recent Prudential Insurance report found that the average daily cost for an assisted living facility is now more than $100, or $3,241/month.
Although the report examined both assisted living and nursing home costs, it found the largest increase in cost of care in assisted living, spiking about 13 percent since 2006.
By the year 2030, the number of Americans aged 65 and older is expected to reach more than 71 million, or almost 20 percent of the entire U.S. population.
As the population ages, of course, the need for care is projected to grow correspondingly. Not surprisingly, recent studies continue to show increases in the cost of long-term care throughout the country.
The Prudential findings are similar to those from this year’s Genworth Financial Cost of Care Survey, which can be found at http://www.communityed.com/blog/administrative-concerns/do-you-measure-up_05-12-2008.
The Genworth survey found that the national average monthly rate for assisted living housing is $3,008/month.
As Baby Boomers enter their retirement years, it's inevitable that some might start to need assistance with day-to-day activities. But they're understandably reluctant to forfeit their independence. If they have been accustomed to managing a business--or a family--they could have a difficult time acknowledging that they occasionally forget to take their medications, or even need help getting bathed and dressed. Because they don't need daily medical care at this point, assisted living might be a good housing option.
What is an assisted living facility? These facilities provide care for seniors who need some help with activities of daily living yet wish to remain as independent as possible. They essentially serve as a middle ground between independent living and nursing homes.
Assisted living facilities aim to foster as much autonomy as the resident is capable of. Most of them offer 24-hour supervision and an array of support services, with more privacy, space, and dignity than many nursing homes—at a lower cost.
There are approximately 33,000 of these facilities operating in the U.S. today. The number of residents living in a facility can range from several to 300, with the most common size being between 25 and 120 individuals.
An assisted living facility helps seniors with personal care, such as:
• Bathing
• Dressing
• Toileting
• Eating
• Grooming
• Getting around
Daily contact with supervisory staff is the defining characteristic of an assisted living facility. Medical care is limited, but it is often possible to contract for some medical needs.
Here are the key characteristics of assisted living facilities:
Activities of daily living (dressing, personal care): Comprehensive assistance provided.
Community activities (social events, outings, golf, etc.): Some activities offered.
Community services (laundry, cleaning, etc.): Many / most services provided.
Health dervices (medications, nursing care): Some services provided; not skilled nursing, however.
Environment (personal freedom):Residents are somewhat independent.
Overall health (physical, emotional): Residents have average health problems.
A recent Prudential Insurance report found that the average daily cost for an assisted living facility is now more than $100, or $3,241/month.
Although the report examined both assisted living and nursing home costs, it found the largest increase in cost of care in assisted living, spiking about 13 percent since 2006.
By the year 2030, the number of Americans aged 65 and older is expected to reach more than 71 million, or almost 20 percent of the entire U.S. population.
As the population ages, of course, the need for care is projected to grow correspondingly. Not surprisingly, recent studies continue to show increases in the cost of long-term care throughout the country.
The Prudential findings are similar to those from this year’s Genworth Financial Cost of Care Survey, which can be found at http://www.communityed.com/blog/administrative-concerns/do-you-measure-up_05-12-2008.
The Genworth survey found that the national average monthly rate for assisted living housing is $3,008/month.
2/05/2009
The Race To Get To The Top Of Google’s Listings
Most webmasters know that faring well on the search engines is crucial if you are going to get your share of the customers. But do you really need to be on page one? Google is probably the most well known search engine online, and websites are constantly jostling for position to get that number one spot on the first page. There’s no doubt that being on page two or three is going to be better than being on page two hundred, but is it enough to grab some sales? Google is split into two basic groups. Firstly there are the organic search results.
Most webmasters know that faring well on the search engines is crucial if you are going to get your share of the customers. But do you really need to be on page one?
Google is probably the most well known search engine online, and websites are constantly jostling for position to get that number one spot on the first page. There’s no doubt that being on page two or three is going to be better than being on page two hundred, but is it enough to grab some sales?
Google is split into two basic groups. Firstly there are the organic search results, which are achieved with good old fashioned hard work in the search engine optimization department. And secondly there are the search results that you can pay to appear in. Both of these are equally competitive, but there is an essential difference. You could say the first method is competitive in terms of knowledge, whereas the second is competitive more in terms of money. The biggest budget generally gets the top keywords. Although of course, you need to know which keywords to bid on in the first place.
They say hard work reaps rewards and this is certainly the case when you are trying to get to the top of the listings. Being on the first page of Google will get you better results than being on page two. But if you can get in one of the top five positions the results will be better still.
The problem though is that it’s not just a case of getting there. Inexperienced webmasters will sit back and celebrate at reaching that coveted number one spot. And very soon after they will find they have slipped back down again.
This is because the world of search engine optimization is highly competitive. You could expend all that effort to get there, but you still need to keep working in order to stay there. There will always be other websites that are clamouring to take that spot away from you – and with it will go a percentage of your business.
There’s no doubt that all websites need to focus on featuring in the organic search listings. This costs you nothing but time to do yourself – although you can often get better results if you can afford to hire an expert to find the right keywords and phrases to focus on. But if you have a budget to work with, then it will definitely pay off to invest it in pay per click positioning as well.
In short, the more knowledge you have and the more you focus on SEO, the more likely it will be that you’ll get closer to those coveted spots on page one of Google. It does take work and dedication, but it is work that will bring you fresh orders and new customers, and that is what you are aiming for in the end anyway.
Most webmasters know that faring well on the search engines is crucial if you are going to get your share of the customers. But do you really need to be on page one?
Google is probably the most well known search engine online, and websites are constantly jostling for position to get that number one spot on the first page. There’s no doubt that being on page two or three is going to be better than being on page two hundred, but is it enough to grab some sales?
Google is split into two basic groups. Firstly there are the organic search results, which are achieved with good old fashioned hard work in the search engine optimization department. And secondly there are the search results that you can pay to appear in. Both of these are equally competitive, but there is an essential difference. You could say the first method is competitive in terms of knowledge, whereas the second is competitive more in terms of money. The biggest budget generally gets the top keywords. Although of course, you need to know which keywords to bid on in the first place.
They say hard work reaps rewards and this is certainly the case when you are trying to get to the top of the listings. Being on the first page of Google will get you better results than being on page two. But if you can get in one of the top five positions the results will be better still.
The problem though is that it’s not just a case of getting there. Inexperienced webmasters will sit back and celebrate at reaching that coveted number one spot. And very soon after they will find they have slipped back down again.
This is because the world of search engine optimization is highly competitive. You could expend all that effort to get there, but you still need to keep working in order to stay there. There will always be other websites that are clamouring to take that spot away from you – and with it will go a percentage of your business.
There’s no doubt that all websites need to focus on featuring in the organic search listings. This costs you nothing but time to do yourself – although you can often get better results if you can afford to hire an expert to find the right keywords and phrases to focus on. But if you have a budget to work with, then it will definitely pay off to invest it in pay per click positioning as well.
In short, the more knowledge you have and the more you focus on SEO, the more likely it will be that you’ll get closer to those coveted spots on page one of Google. It does take work and dedication, but it is work that will bring you fresh orders and new customers, and that is what you are aiming for in the end anyway.
2/04/2009
How To Plan Your Web Site to Maximize Online Sales and Profits
Most businesses fail to plan for online success. Knowing your purpose, audience, and uniqueness are the first steps to developing a successful web site. Follow these three steps to position your web site for Internet profits. Step 1: Determine Your Purpose The first step in planning a web site is to determine what you want to accomplish. Do you want to sell products and services, find new customers, establish credibility, or improve customer service? The purpose of your web site will influence its content and design. Depending on your goal, you may want to provide articles to establish trust, provide a compelling sales letter, a catalog, product information, a secure online order form, and a shopping cart. Step 2: Define Your Ideal Customers, Their Needs and Concerns Many web sites are trying to attract everybody. Don’t make this mistake. Your web site will be more profitable if you focus on the ideal prospects who are most likely to buy your products or services. Ask the following questions to find out who your ideal customers are: - Who wants or needs your products or services? - What is the age range, gender, profession, industry, income level, and education of your ideal customers? - What are your customers’ needs, wants, and concerns? - What problems can you solve for your customers? What problems do your products or services solve for them? - Who will be visiting your web site? - What is the common denominator of your visitors? - Why will they come to your site? - What information do they want? - Are most of your customers computer literate? What computer monitor and screen resolution do they have? What browsers do they use? Do your visitors connect to the Internet with a slow modem or a fast connection such as cable or DSL? Target your web site’s content and design directly to your ideal customers. Attract your target audience with a benefit-oriented headline. Tell right away what your web site is about and what’s in it for them. If they don’t read further, they were not prospects. Make your text large for seniors. Use a conservative design for accountants. Make your design colorful for children. Avoid movies, sounds, and Flash animations if your clients have slow computers and Internet connections. You can dramatically increase your web profits by focusing on your customers, providing information they want, and solving some of their problems. Step 3: Demonstrate Your Uniqueness To be successful with your web site, you must stand out from your competi
tion. The competition is tremendous on the Internet. How many web sites are you competing with? How do you make your site stand out from those other web sites? And more importantly, how can you get your prospects to buy from you instead of one of your competitors? You do that by emphasizing how you’re different and better. Marketers call it "USP" or "Unique Selling Proposition." Instead of copying everyone else, separate yourself from your competition and develop a web site that distinguishes you from all the others. Focus on what makes you unique; attract your audience with a benefit that is different from everyone else’s and provide a distinct advantage or offer. But first, determine what makes your business unique. Here are some questions to help you establish what sets you apart: - Why should prospects buy from you instead of your competitors? - What are the most important benefits or results your customers will get from your products or services? - What do you do better than anyone else? Do you possess hard-to-find or specialized expertise? - Do you offer a free consultation, initial visit, analysis, or better advice? - What makes your services better, more unique, or more desirable than your competitors? - Do you have the lowest prices or the highest quality products in your industry? - Do you provide the fastest service, the strongest guarantee, longest hours, or better follow up? - Do you keep customers informed with newsletters? - Do you target a specific audience? After determining what’s unique about your products and services, you can emphasize this uniqueness on your web site and set yourself apart from your competition. Here are some ways to accomplish that: - Provide your USP, benefits, and site description at the top of the page. - Use words and images to make your site unique. - Target your audience in your headline and first paragraph. - Use benefits that appeal to your audience. Talk their language. - Create a unique design. Design a custom web header and product images, such as an ebook cover or CD cover. Give your prospects a reason to buy from you instead of a competitor’s web site. Study your competition and then be different, look different, and give them benefits the others don’t. Plan your web site for profits. Determine what you want to accomplish with your web site, who your ideal audience is, and what makes your online business unique. Only after implementing these steps are you ready to start developing your web content.
tion. The competition is tremendous on the Internet. How many web sites are you competing with? How do you make your site stand out from those other web sites? And more importantly, how can you get your prospects to buy from you instead of one of your competitors? You do that by emphasizing how you’re different and better. Marketers call it "USP" or "Unique Selling Proposition." Instead of copying everyone else, separate yourself from your competition and develop a web site that distinguishes you from all the others. Focus on what makes you unique; attract your audience with a benefit that is different from everyone else’s and provide a distinct advantage or offer. But first, determine what makes your business unique. Here are some questions to help you establish what sets you apart: - Why should prospects buy from you instead of your competitors? - What are the most important benefits or results your customers will get from your products or services? - What do you do better than anyone else? Do you possess hard-to-find or specialized expertise? - Do you offer a free consultation, initial visit, analysis, or better advice? - What makes your services better, more unique, or more desirable than your competitors? - Do you have the lowest prices or the highest quality products in your industry? - Do you provide the fastest service, the strongest guarantee, longest hours, or better follow up? - Do you keep customers informed with newsletters? - Do you target a specific audience? After determining what’s unique about your products and services, you can emphasize this uniqueness on your web site and set yourself apart from your competition. Here are some ways to accomplish that: - Provide your USP, benefits, and site description at the top of the page. - Use words and images to make your site unique. - Target your audience in your headline and first paragraph. - Use benefits that appeal to your audience. Talk their language. - Create a unique design. Design a custom web header and product images, such as an ebook cover or CD cover. Give your prospects a reason to buy from you instead of a competitor’s web site. Study your competition and then be different, look different, and give them benefits the others don’t. Plan your web site for profits. Determine what you want to accomplish with your web site, who your ideal audience is, and what makes your online business unique. Only after implementing these steps are you ready to start developing your web content.
2/03/2009
What Are the Benefits to Refinancing Your Home Loan Online?
Everything seems to happen quicker – “On-line”. When you want a mortgage loan you can search around, fill out an application and shortly afterwards, you can be in receipt of a pre-approval letter via email. There was no telephone call, no waiting on hold for an answer and certainly no driving involved. No Traipsing up and down your high street to visit into each lender, then waiting for an appointment to be seen. It is easy to carry out your home loan refinance by searching here on the internet. The mortgage company will typically contact you quickly and provide you with all the information you need to make progress on your home loan refinance.
Careful research of your home loan refinance means you will be more well- informed and make better decisions. If you are sitting at home on the sofa with your phone book dialling every mortgage company listed, you won’t to know what the current interest rate is. You won’t know what your current lender or its competitors can offer you for your home loan refinance.
Online, you can access a lot of information quickly. - After looking at even a few mortgage loan websites, you will soon realise that when you obtain money with a home loan refinance there are many options. If you are a homeowner, you could raise cash by getting a secured loan, using your house as collateral. This could get you a better interest rate and lower payments. You may decide to change the type of mortgage you have, the choice is yours. There are lots of different types of home loan refinance loans. You can learn about all of them after just a few minutes of searching online.
When applying online, you should soon be able to identify the larger, more reputable mortgage companies who are only too happy to provide you with assistance on your home loan refinance.
You can save money by choosing to go with an online home loan refinance companies because they cut out fees like a valuation or solicitors fee which they often include as part of the loan package. When you are in the enviable position of receiving multiple offers, you will know that you are opting for the loan with the lowest interest rate possible but also the best terms you can possibly qualify for with your home loan refinance. In this way you can really make the most of your options and secure the best deal for you.
You could search around online and submit applications to two, three or even more different lenders without feeling guilty about researching the best deals from more than one company. That way you make can ensure that you are getting the best available quote on your home loan refinance. Often when you start liaising with a mortgage broker in person, you start to feel obliged to continue working with them, even if they aren’t giving you the best service or coming up with the best product for you. . This is not so online. If you aren’t receiving the information that you want, you are able to change to another provider without feeling guilty. Whichever way you want to look at it, the ideal place to choose your home loan refinance is right here where you are, on line
Careful research of your home loan refinance means you will be more well- informed and make better decisions. If you are sitting at home on the sofa with your phone book dialling every mortgage company listed, you won’t to know what the current interest rate is. You won’t know what your current lender or its competitors can offer you for your home loan refinance.
Online, you can access a lot of information quickly. - After looking at even a few mortgage loan websites, you will soon realise that when you obtain money with a home loan refinance there are many options. If you are a homeowner, you could raise cash by getting a secured loan, using your house as collateral. This could get you a better interest rate and lower payments. You may decide to change the type of mortgage you have, the choice is yours. There are lots of different types of home loan refinance loans. You can learn about all of them after just a few minutes of searching online.
When applying online, you should soon be able to identify the larger, more reputable mortgage companies who are only too happy to provide you with assistance on your home loan refinance.
You can save money by choosing to go with an online home loan refinance companies because they cut out fees like a valuation or solicitors fee which they often include as part of the loan package. When you are in the enviable position of receiving multiple offers, you will know that you are opting for the loan with the lowest interest rate possible but also the best terms you can possibly qualify for with your home loan refinance. In this way you can really make the most of your options and secure the best deal for you.
You could search around online and submit applications to two, three or even more different lenders without feeling guilty about researching the best deals from more than one company. That way you make can ensure that you are getting the best available quote on your home loan refinance. Often when you start liaising with a mortgage broker in person, you start to feel obliged to continue working with them, even if they aren’t giving you the best service or coming up with the best product for you. . This is not so online. If you aren’t receiving the information that you want, you are able to change to another provider without feeling guilty. Whichever way you want to look at it, the ideal place to choose your home loan refinance is right here where you are, on line
2/02/2009
How to Create a Bibliography in Chicago (Turabian) Style
With Chicago (Turabian) Style, the bibliography page is where you list all of the sources you used to create your paper. You need to follow a variety of formatting rules when listing the sources. The type of source that you're listing determines the formatting configuration that you'll use, but there are a few formatting rules that work for every listing.
A) ALPHABETIZING. When creating the alphabetical list of the bibliography, sort the list of sources based on the last name of the author. When sorting the list, ignore any spaces in the last name. If you have more than one source from an author, sort them by either the dates in which they were created or by placing the titles of the sources in alphabetical order. Just be certain that once you've chosen a sorting preference for multiple sources from one author, you stick with it.
B) AUTHORS. List the author's last name, followed by the first name and middle name, if the author commonly uses it. If you have more than one author for a source, list each one individually. The first author should be listed by last name, then first name. Subsequent authors should be listed by first name, then last name. When listing more than one author, separate them by commas, with the word “and” ahead of the final author in the list.
C) CAPITALIZATION. Use headline-style capitalization with all titles in your bibliography.
D) INDENTION. After the first line of each source, indent each subsequent line about one-half inch, creating a hanging indention for each source.
E) SPACING. You may single-space each entry in the bibliography, leaving a blank space between entries.
I. BIBLIOGRAPHY EXAMPLES
Here are some examples for listing various sources in Chicago (Turabian) Style. (These examples do not follow the indention rules.)
ARTICLES. When using a newspaper or a magazine as a source, list the author, title of the article (in quotations), name of the periodical (in italics), date of publication, and page numbers used.
* Johnson, Thomas J. "Governments Invest in Technology." New York Times, 29 November 2007, B1.
A journal article requires slightly different formatting. Be sure to include the issue number and the issue date ahead of the page number(s).
* Johnson, Thomas J. "The Economic Impact of Technology." Journal of Economic Growth 6 (June 2005): 110-2.
BOOKS. Include the author's name, the book title (italicized), the publisher's location and name, and the date of publication. Do not use the page numbers used as a source in the bibliography.
* Johnson, Thomas J. and Xavier Quincy Smith. Economic Growth in Africa. New York: Jones Brothers Publishers, 2003.
GOVERNMENT DOCUMENT. Because such a document usually doesn't include an author, list the governmental division in the alphabetical list and italicize the title.
* U.S. Department of the Treasury. Economic Growth Forecast, 2006-2010. Washington, D.C.: GPO, 2005.
INTERNET SITE. List the author's name, if known; title of the online article or Web page (in quotations); Web site name; date of publication, if known; Internet address; and date of retrieval (in parentheses).
* Johnson, Thomas J. "Determining Technology's Role in Economic Growth." Economic Growth, August 20, 2006, http://www.economicgrowth.com/johnson/techrole.html (accessed July 20, 2007).
SCHOLARLY WORK. If using a thesis or dissertation as a source, list the author's name, the title (in quotations), the type of paper, the educational institution, and the year of publication.
* Jones, Steven. "Hydrogen Bonding and Water Molecules." Ph.D. diss., State University, 2000.
II. ODD SITUATIONS
Same author, multiple sources. If you end up with several sources from the same author, you may skip repeating the author's name. Instead, use a solid horizontal line to replace the author's name. The horizontal line should be noticeably longer than the hanging indention of the source, probably three-quarters inch to one inch in length. If you have an additional source that lists multiple authors, you will have to enter the original author's name again. The only time you may use the horizontal line is when all of the authors are the same as the previous work in the list. In the four examples below, the first two have the same single author, and the last two have the same pair of authors.
* Johnson, Thomas J. "Governments Invest in Technology." New York Times, 29 November 2007, B1.
* _________. "The Economic Impact of Technology." Journal of Economic Growth 6 (June 2005): 110-2.
* Johnson, Thomas J. and Xavier Quincy Smith. Economic Growth in Africa. New York: Jones Brothers Publishers, 2003.
* _________. Economic Decline in Africa. New York: Jones Brothers Publishers, 2006.
III. ADDITIONAL INFORMATION.
Finally, for additional information on formatting sources in a reference list, look at either The Chicago Manual of Style or Turabian's A Manual for Writers. Both books cover a large number of situations for listing sources within a bibliography. The chicagomanualofstyle(dot)org Web site also has a large number of helpful resourc
A) ALPHABETIZING. When creating the alphabetical list of the bibliography, sort the list of sources based on the last name of the author. When sorting the list, ignore any spaces in the last name. If you have more than one source from an author, sort them by either the dates in which they were created or by placing the titles of the sources in alphabetical order. Just be certain that once you've chosen a sorting preference for multiple sources from one author, you stick with it.
B) AUTHORS. List the author's last name, followed by the first name and middle name, if the author commonly uses it. If you have more than one author for a source, list each one individually. The first author should be listed by last name, then first name. Subsequent authors should be listed by first name, then last name. When listing more than one author, separate them by commas, with the word “and” ahead of the final author in the list.
C) CAPITALIZATION. Use headline-style capitalization with all titles in your bibliography.
D) INDENTION. After the first line of each source, indent each subsequent line about one-half inch, creating a hanging indention for each source.
E) SPACING. You may single-space each entry in the bibliography, leaving a blank space between entries.
I. BIBLIOGRAPHY EXAMPLES
Here are some examples for listing various sources in Chicago (Turabian) Style. (These examples do not follow the indention rules.)
ARTICLES. When using a newspaper or a magazine as a source, list the author, title of the article (in quotations), name of the periodical (in italics), date of publication, and page numbers used.
* Johnson, Thomas J. "Governments Invest in Technology." New York Times, 29 November 2007, B1.
A journal article requires slightly different formatting. Be sure to include the issue number and the issue date ahead of the page number(s).
* Johnson, Thomas J. "The Economic Impact of Technology." Journal of Economic Growth 6 (June 2005): 110-2.
BOOKS. Include the author's name, the book title (italicized), the publisher's location and name, and the date of publication. Do not use the page numbers used as a source in the bibliography.
* Johnson, Thomas J. and Xavier Quincy Smith. Economic Growth in Africa. New York: Jones Brothers Publishers, 2003.
GOVERNMENT DOCUMENT. Because such a document usually doesn't include an author, list the governmental division in the alphabetical list and italicize the title.
* U.S. Department of the Treasury. Economic Growth Forecast, 2006-2010. Washington, D.C.: GPO, 2005.
INTERNET SITE. List the author's name, if known; title of the online article or Web page (in quotations); Web site name; date of publication, if known; Internet address; and date of retrieval (in parentheses).
* Johnson, Thomas J. "Determining Technology's Role in Economic Growth." Economic Growth, August 20, 2006, http://www.economicgrowth.com/johnson/techrole.html (accessed July 20, 2007).
SCHOLARLY WORK. If using a thesis or dissertation as a source, list the author's name, the title (in quotations), the type of paper, the educational institution, and the year of publication.
* Jones, Steven. "Hydrogen Bonding and Water Molecules." Ph.D. diss., State University, 2000.
II. ODD SITUATIONS
Same author, multiple sources. If you end up with several sources from the same author, you may skip repeating the author's name. Instead, use a solid horizontal line to replace the author's name. The horizontal line should be noticeably longer than the hanging indention of the source, probably three-quarters inch to one inch in length. If you have an additional source that lists multiple authors, you will have to enter the original author's name again. The only time you may use the horizontal line is when all of the authors are the same as the previous work in the list. In the four examples below, the first two have the same single author, and the last two have the same pair of authors.
* Johnson, Thomas J. "Governments Invest in Technology." New York Times, 29 November 2007, B1.
* _________. "The Economic Impact of Technology." Journal of Economic Growth 6 (June 2005): 110-2.
* Johnson, Thomas J. and Xavier Quincy Smith. Economic Growth in Africa. New York: Jones Brothers Publishers, 2003.
* _________. Economic Decline in Africa. New York: Jones Brothers Publishers, 2006.
III. ADDITIONAL INFORMATION.
Finally, for additional information on formatting sources in a reference list, look at either The Chicago Manual of Style or Turabian's A Manual for Writers. Both books cover a large number of situations for listing sources within a bibliography. The chicagomanualofstyle(dot)org Web site also has a large number of helpful resourc
The Power Of A Co-Creator Pt.1: No Stumbling Blocks For Success
Once we begin to experience the transformation process on the path of enlightenment, we become co-creators with the universe. Before the transformation process, we created out of default, but now as a co-creator, we create with the universe. Ultimately, this means that we have caught the vision of God or Source Energy. What is the vision? The vision is God or Source Energy as you. With this realization, you get the answer to...who am I, what is my purpose, and why am I here?
Experiencing the power of a co-creator brings magnificence to life. One of the most enriching experiences of the co-creator is discovering there are no stumbling blocks for success. Once we have gotten out of our own way—meaning once we have diminished the power of the ego—the illusions of stumbling blocks, hindrances, scarcity, and lack diminish as well. Yes, we realize stumbling blocks are all illusions.
So, what is the first step to experience the power of a co-creator? The first step is overcoming the emotion of fear projected on to us by the ego. Yes, the first step is to get out of our own way. Then, we will discover that success is not fleeting, wealth is not fleeting, and abundance is not fleeting. We will discover that wealth and success are not just for some, we all have a divine right to live in abundance.
As a matter of fact, Wallace D. Wattles, one of the greatest and most prolific New Thought teachers of his time, says in the Science of Getting Rich...Talented people get rich, and blockheads get rich; intellectually brilliant people get rich, and very stupid people get rich; physically strong people get rich, and weak and sickly people get rich.
With this rather colorful knowledge, we understand there is no environment that can prevent our success; the only thing that can prevent our success is getting in our own way.
So how do we get in our own way? We get in our own way through our inability to envision our true desires because we are not allowing our true self in the driver’s seat. When an individual allows the ego in the driver’s seat, illusions about lack and scarcity prevent the attainment of one’s true desires. Only the true and authentic self understands and knows our true desires. Otherwise, the ego hinders our own advances and subconsciously puts stumbling blocks in our way because of fear and complacency.
The truth is fear will cause us to stop in our tracks. This is dangerous for our growth and evolution. Why? It is dangerous for our growth and evolution because we live in a moving, growing, and expanding universe. If we refuse to move forward, then we have no other option than to move backwards. If we refuse to grow, then we die.
The advancement of our soul development requires that we expand and grow spiritually. Allowing the illusions of stumbling blocks to hinder our growth is not living in abundance, it is living in lack. And that’s a place where one can truly lose their soul.
Experiencing the power of a co-creator brings magnificence to life. One of the most enriching experiences of the co-creator is discovering there are no stumbling blocks for success. Once we have gotten out of our own way—meaning once we have diminished the power of the ego—the illusions of stumbling blocks, hindrances, scarcity, and lack diminish as well. Yes, we realize stumbling blocks are all illusions.
So, what is the first step to experience the power of a co-creator? The first step is overcoming the emotion of fear projected on to us by the ego. Yes, the first step is to get out of our own way. Then, we will discover that success is not fleeting, wealth is not fleeting, and abundance is not fleeting. We will discover that wealth and success are not just for some, we all have a divine right to live in abundance.
As a matter of fact, Wallace D. Wattles, one of the greatest and most prolific New Thought teachers of his time, says in the Science of Getting Rich...Talented people get rich, and blockheads get rich; intellectually brilliant people get rich, and very stupid people get rich; physically strong people get rich, and weak and sickly people get rich.
With this rather colorful knowledge, we understand there is no environment that can prevent our success; the only thing that can prevent our success is getting in our own way.
So how do we get in our own way? We get in our own way through our inability to envision our true desires because we are not allowing our true self in the driver’s seat. When an individual allows the ego in the driver’s seat, illusions about lack and scarcity prevent the attainment of one’s true desires. Only the true and authentic self understands and knows our true desires. Otherwise, the ego hinders our own advances and subconsciously puts stumbling blocks in our way because of fear and complacency.
The truth is fear will cause us to stop in our tracks. This is dangerous for our growth and evolution. Why? It is dangerous for our growth and evolution because we live in a moving, growing, and expanding universe. If we refuse to move forward, then we have no other option than to move backwards. If we refuse to grow, then we die.
The advancement of our soul development requires that we expand and grow spiritually. Allowing the illusions of stumbling blocks to hinder our growth is not living in abundance, it is living in lack. And that’s a place where one can truly lose their soul.
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