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Diet information is everywhere. In advertisements, on TV, in magazines; the bookstores are crammed with books on many different diet options – The South Beach Diet, The Atkins Diet, Weight Watchers, The Cabbage Soup Diet. The message is ‘you should think about your weight’. If you aren’t already thinking about dieting, you will be before long.

Most of the clients that come to see me want to lose weight. They have typically tried out a few diet options, but still haven’t achieved what they are looking for.The big question is what are they looking for?

It all starts off with that glance in the mirror. What we see staring back at us is often an image we don’t like or at least we don’t rave about. The instant reaction too often can be – ‘I need to go on a diet’.

You don’t like the package, so you need to alter it in some way. But the truth is that often it is the ‘packaging’ that is distorting the picture – distorting our image of ourselves and not you (the package).

Consider this: Everything about you is perfect as it is, and has a purpose. Your shape, your height, your size, your hair colour, your eye colour, the shape of your features, and the size of your knees – they all combine to create you. Having a negative personal image can lead to weight gain or weight loss. Most eating disorders occur as a result of a negative body image.

Your packaging – or your style and your way of dress – has a huge impact on your personal image – how you see yourself, how much you like the way you look and …how large or small you look.

Just imagine how you feel when you are presented with a gift that is packaged with the fanciest ribbon, shiniest paper and with care and attention. In fact, it almost doesn’t matter what is inside the package! It is the same for you, your packaging has an impact on yourself – how you feel about yourself, your confidence levels, and how others treat you.

So before you go on a diet, please consider the following:

Are you wearing clothes that don’t fit you?

Squeezing into an item of clothing is just plain unflattering and although you think you can stay in denial of your true size, every other person that passes you in the street will notice that you are squeezing in. You will only draw more attention which can make you feel more sensitive about how you look.

More importantly wearing clothes that are bigger than you or too small for you will make you look bigger.

Tips

Go through your wardrobe and clear out all items that don’t fit you. Be ruthless! You don’t have to throw them away. But putting them in another area – like the top shelf – so they are out of visibility will ensure you a) don’t wear them and b) you don’t reinforce your negative concerns each time you wear them!

Cut out the size tags. This will take your mind off what size you are wearing, and hopefully you will forget all together and start enjoying what you wear
And of course buy clothes that fit! You think that’s just common sense? Well it is one of the biggest wardrobe mistakes that people can make!
Are you wearing clothes that suit your body shape?

Wearing the wrong shape clothes can add pounds. A square shaped t-shirt in structured cotton will cut off any curves you have, either roll up to expose your stomach or make your torso look like a square box. Oh no! However that is what we can mistakenly go for. The same goes for a pair of jeans – a key item in all our wardrobes. They are often cut to fit a squarer body shape.

Tips

Jeans for a curved hipline – drop the waistline but ensure you have a larger waistband, and/or no back pockets. Also, opt for jeans with stretch. This will follow your natural contours better. For men: go for jeans with a pleat around the waistband to accommodate a softer belly line.

Jeans for a narrow hipline – most jeans look a dream on you, but ensure you opt for structure. Stretch could make you look like you have puppy fat.
T-shirts for a curve – use softer fabrics with drape and soft stretch that have a curve in the cut. Avoid front pockets, too high a neckline, square short sleeves. Instead, feminine touches – flowers, soft textures and chiffon, depending on your style. For men: go for softer fabrics.

T-shirts for angles – use structured fabrics, stripes and lines, boyish cuts, and heavier stretch. You can do pockets and sheer looks.

Are you investing in yourself?

If you are having concerns about your weight then you may have put a stop on your wardrobe spending ‘until you lose weight’. This is just plain unfair on yourself. It can only lead to you feeling more miserable if you are living in three outfits and haven’t got anything you feel really good in. You may feel it will force you to take your diet wishes seriously, but again is dieting what you need, or what anyone needs for that matter?

Tips

Go out now and buy yourself something that you feel really good in, that suits you, that is perhaps an extravagance and that looks slightly sexy or suave. Regardless of whether you have been starving your wardrobe. This doesn’t require emptying your wallet. The action in itself, spending some quality time for you to value yourself, will improve your spirits.
For women: Go out and buy some new make-up. A fresh gloss for the lips – natural or bright – whatever is your preference, and a shimmer or rouge for the cheeks. Invest in good mascara and some colour or base for the eyes.
For men: invest in a new shampoo, a facial lotion and an upgrade your shaving system.

Consider this: You don’t need to lose weight. But you do want to be healthy and have a positive self-image. If you achieve the latter, your own appearance and weight will find its natural way.

Being healthy is mostly achieved by finding balance. Balance between the stress in your life and the peace you have; a balance between your nutrients and your addictions; a balance between being active and being passive. You also want to be well.

With the amount of toxins we have in our foods and environment and the amount of pressure we have living in the Noughties, your health is very important. Dieting can be unhealthy. What is healthy is loving yourself for how you are, appreciating that as you age your body will change, and that a healthy self-image is far more important than whether you can fit into a size 2. In fact, that is quite dangerous.

Dieting can be a quick fix – you see some results so you feel like you have dealt with the problem. But if you are not happy with your own personal image, then weight loss or not, you will shortly be back in front of that mirror complaining about how you look again.

www.thewardrobeshrink.com

Sarah Whittaker runs her own Image Profiling business using her own unique typology of thirty-five Image Types. The Image Types are a reflection of your own ‘blueprint’ and help you to understand how to express your natural self and attract more of what you want.

 
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About once a week I grab my laptop and head to a café to work, brainstorm, and map out business plans. I usually enjoy a latté, cappuccino, or green tea while I work and I’ve found the change of scenery ignites my creativity and jump starts my productivity. For years I’ve gone to the same café on Yale Avenue for my weekly ritual, but last week I stopped into a Barnes & Noble Cafe. I approached the counter to purchase a latté and the sales person immediately responded with an “up selling” offer. She asked, “Can I get you a slice of cheesecake to go with your Caramel Macchiato?”

I wasn’t even thinking about dessert, yet I somehow let the unexpected query: “Can I get you a slice of cheesecake to go with your Caramel Macchiato?” entice me into accepting a rich slice of cheesecake.

The lady at the Barnes & Noble Café flawlessly executed the “up-selling” technique and without any hesitation I accepted. Not once in the three years of my attending my usual café has anyone tried to upsell me. As I enjoyed each delectable bite of the cheesecake I wondered, “What would it mean to Barnes & Noble’s bottom line if every salesperson in the Café attempted to upsell beverage seekers? What would it mean to the bottom line if just 2% of customers everyday were upsold?” What would it mean to your bottom line if every one of your employees flawlessly upsold your customers?

In my experience both as a consumer and as a Business Growth Strategist, I have discovered that many businesses avoid up-selling because they’re concerned that the customer may feel irritated or pressured, and often customer service professionals are reluctant to upsell because they’re uncomfortable with a “selling” role. But here’s the thing: If you don’t try to upell you are 1) Leaving money on the table and 2) Withholding value-added services from your customers. When done right, upselling offers translate into sales 5-20% of the time. And research shows that most customers appreciate up-selling when they are offered additional benefits that are relevant to their needs. Read on to get 5 tips to help you confidently and successfully upservice your customers.

Think of upserving as “Up-Servicing” – When done right, upselling is simply offering a “suggestion” to an already receptive buyer to enhance the value of her service. This is exactly what I experienced at Barnes & Noble Cafe. I was already a receptive buyer and the cheesecake most definitely enhance the value of my experience. When viewed as truly upservicing as opposed to upselling, selling doesn’t feel so overwhelming.

Make sure your upserving offer is always relevant to the customer’s needs. Offering a buyer of a latté a book on Feng Shui tips may not be relevant and is likely to be rejection waiting to happen. But offering dessert truly offers to enhance the receptive customer’s experience.

Be more interested in being of service than in getting a commission. Always focus on offering products or services that are relevant to the customer’s needs and will arguably enhance the customer’s experience. If your sole objective is to get a commission, customers will smell you a mile away. And trust me, they will not buy.

Recognize that upservicing increases customer satisfaction. Surveys and research has found that offering products your customers might find useful is a proactive effort on your part that conclusively leads to increased satisfaction and loyalty.

Think of “up-servicing” as a proactive service initiative. When you add upservicing to your skill repertoire, you will increase customers satisfaction and grow your bottom line.

Myra Golden is an award-winning professional speaker and principal of Myra Golden Seminars, LLC, a customer service training firm serving clients in food and beverage, banking, healthcare, hospitality, and other industries. Her client list includes McDonald’s, Johnson & Johnson, Coca-Cola, Frito-Lay, Michelin Tires, Pirelli, and Procter & Gamble, among many others.

For hundreds of ideas for customer service improvement for use in customer service training, visit the customer service training resource portal by going to www.totalcustomerservicetraining.com

 
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The president of Belarus is unable to go away. Though most people think he should. Most likely Alexander Lukashenko remains the president for unlimited term as a result of outrageous lie and falsifications of election. For our security forces the tension is so great, that you cannot imagine”, – the president said.

Belarus is threatened with the destiny of North Korea. According to Alexander Milinkevich, one of the opposition candidates, polar night can let down the country. And the main result for opposition will be that the authority will discover a new portion of disloyal people which wait for repressions after election.

Alexander Lukashenko repeatedly declared, that he will not give out the power without fight. “We’ll blow so, that it will not seem a little to them, we’ll turn off heads, we’ll kick from left to right and from top to down, they’ll rush out in one day.” He named contenders at president election as “frozen imbeciles”. The authority equates practically the opposition to terrorists.

There are low chances that a lot of people will express against distortion of election results. Belarusians are intimidated by propaganda and existing total control and slavish contract system. Disloyal people are threatened with dismissal from work, arrest and beating.

THE AUTHORITY DISCOVERED THE IMAGINARY PLOT OF OPPOSITION

They arrested first 4 heads of unregistered public association Partnership – the organizer of independent observation at election. These guys wait now for 3 years of prison. KGB declared, that Partnership was created, controlled and financed by the American organization National Democratic Institute.

One of the arrested persons Nikolay Astrejko married some days before arrest. His wife Polina speaks that KGB members threatened with a pistol to her husband. They brought with themselves witnesses which live in the other end of city. They took away Astrejko’s mobile phone In the beginning of the search and replied the incoming calls. They took away all the information, even writing-books which Astrejko a long ago used in University. They took away also the money presented by guests on the wedding and keys from an apartment.

Later the president declared, that KGB discovered the plot of opposition and crushed 72 organizations which were going to observe the election and withdrew millions of dollars, PC’s, mobile phones. “They prepared to make blow up in a crowd on March, 19 and then block main Minsk city structures and make revolution”, – said head of KGB Stepan Suharenko.

Representative of KGB declared, that they have also withdrawn already filled exit-polls reports prepared by the Vilnius office of Gallup which should be carried out during president election on March, 19. As though the opposition wanted to sound off these figures simultaneously with the official data and to declare their victory.

Rasa Olishovskene, the head of the Gallup Baltic office denied this statement and named it a forgery. This organization was not going to make exit-poll during president election in Belarus at all. Experts speak, that a forged documents have bad quality as there is not figures “against all candidates” and “refused to answer”.

According to Pavel Mozhejko, press secretary of Alexander Milinkevich, the authority have data of the population polls. These figures coincide with those information which authorities named as preparing provocation. According to documents withdrawn by KGB, the victor in president election is the leader of opposition Alexander Milinkevich with 53,7% voices of voters. Alexander Lukashenko has 41,3%. Another opposition candidate Alexander Kozulin 3,8%, Sergey Gajdukevich 1,2%.

THE OPPOSITION AS THOUGH TRIED TO BUST UP BELARUS WITH MOSLEMS

In absence of the editor-in-chief A.Karol, oppositional newspaper Zgoda reprinted a caricature on prophet Mohammed which already have done a lot of noise in the West. Most likely provocation has been made by the introduced employee of KGB.
The criminal case is up. The president has declared that the newspaper will be closed and guilty persons will be in prison.

THEY ARRESTED AND BEATEN OPPOSITION CANDIDATE AND JOURNALISTS

Alexander Kozulin wanted to get to All-Belarusian People’s Congress which was made as Lukashenko pre-election propaganda action. By the way, speakers of this event sent their speeches in the administration of the president a week before event.

In a Railway Palace building, where Kozulin tried to be registered as member of Congress, 6 guys in black jackets and sport caps tumbled down 2 meter high candidate on the floor quickly and professionally.

“They started to beat him with fists and legs, – the head of candidate staff Mecheslav Grib speaks. We could make nothing. Journalists tried to photograph and every one got down. They pressed them to a wall. Each photographer was held by two persons. Television cameraman for Reuters was also beaten. They destroyed his camera”.

After beating, men in black lifted Kozulin up, drag off the building and pushed in the dark blue bus. They jostled me as the ram under a seat in unnatural position, someone sat down from above. In this way I was driving about an hour through the city, – speaks Kozulin himself.
The crowd of people gathered at police building where they delivered Kozulin. Correspondent of KP in Belarus Oleg Ulevich was beaten when tried to photograph as the police began to detain people. The police broken his nose. Later in hospital it was found out that the journalist also have a craniocerebral injury.

Soon two policemen from the press service came to him in hospital like to apologize, but when the journalist could not describe people which attacked him, the police assumed, that he strike with head on the fence himself.

SCANDAL CONFESSIONS OF KGB EMPLOYEES

A few days ago site www.ucpb.org received e-mail signed by staff of KGB. Here is the full text of the letter.

We are employees of Committee of State Security of Belarus and declare the following! After TV statement of opposition candidate in president Alexander Milinkevich and especially Alexander Kozulin, we started to receive messages from places that the population of Belarus actively discusses them, expresses support to those politics and negatively expresses to the side of running authority.

Our information shows, that these days the rating and trust to the working president has sharply fallen. Even in the Mogilev area (native area of Lukashenko) it does not exceed 23%. Talks about TV statements of opposition candidates and also an opinions about events are active on workplaces, in transport, in shops and the markets. The main part of people shows extreme displeasure with suppression and distortion by authority of a true state of affairs. The anxiety for result of voting on March, 19 and confidence of their falsification from authorities simultaneously grows by people.

We see that the authority is frightened. The meeting with heads of power structures carried out by Alexander Lukashenko was really hysterical. Chairman of KGB Stepan Suharenko got the sanction to immediate performance of special actions. These articles of criminal code are on the top: Action on behalf of the unregistered organization and Implication in illegal activity of minors. That’s why have begun searches, checks and detentions.

Round-the-clock closer watch are established for Milinkevich, Kozulin and also for their nearest colleagues. Detachments and checks are reinforced on borders, especially with Russia. They made lists with numbers of cars of disloyal people, including members of families.
Struggle against the organization Partnership is the beginning of provocations of our department. Copies of the fabricated polls are prepared by our structure and we know those people.

And what is ahead?

1. In the day of voting Lukashenko's headquarters will be in Administration of president. This day there will be all basic heads and all power structures heads.
 2. The day of election is the working day for all officials. Everyone should manage process and be at phone.
 3. One day before elections - personal care of all leaders of opposition. In day of elections - keeping out leaders from people.
 4. Switching-off of the Internet and mobile telecommunications is planned.
 5. There will be all possible measures on denial of arriving people from places to Minsk in the day of voting. They prepare the official statement that because of probable provocations arrival to Minsk will be limited: cancellation of electric trains, buses, check of cars entrance.
 6. They prepare variant of finding the weapon or an ammunition in one of offices, in garage or the car of the oppositionist. It's the basic direction of provocations.
 7. Members of the election committee will instruct voters, that they will be responsible for carrying out of the bulletins (intimidation).
 8. The central places of Minsk in day of voting will be closed, tightly and in various ways (in advance).
 9. There is the task to find "skunk" with the big sum of dollars which he should give out to other people for coming out on the streets. Certain people will give out themselves for members of opposition.
 10. In the day of voting TV all the day long will reporting about course of voting. Positively about Lukashenko and all dirty about Milinkevich. In other words: mass infringements, purchase of the voices, a drunk active, etc.
 11. There will be an instructing of all power structures heads on March, 17 in a Lukashenko's cabinet according analysis of the received information. After that there will be command how to act: with whom and when.
 12. The plan for oppositionists is approved: arrest, police, court,15 day in prison. 2-3 hours time for all this actions. By evening on March 19 there will be no most active members at all.
 13. The task is only 1 round and more than 73% of voices to Lukashenko, Milinkevich is not the second.
 14. Groups of certain sportsmen are created. They will engaged in fight with police passing themselves off as drunk opposition and also will beat members of opposition.
 15. Till March 10, 2006 all members of the election committee will know about measures of their encouragement.
 16. The tasks also are:
 - To break utterly meetings with voters
 - To release and arrest as though Milinkevich brochures
 - 3 video sign against opposition are ready.
 - During broadcasting of Milinkevich statements, in 2-3 areas to switch off light.
 - Police should not let independent mass-media in post boxes of people.
 17. They already spy on international observers.
 18. Before the election, after TV statements of all candidates Lukashenko will give "estimation" and conclusion to all oppositional candidates.

The authority is ready to do anything. They afraid to lose all feeding troughs, the stolen money and power.

The most part of force and police structures are decent, patriotic people. They said years to us that coming opposition authority will dismiss everybody and the most enthusiastic will imprison.

Let’s work with our colleagues and to win over to your side. We collect and analyze the information understanding essence of the today’s moment and will present it to society when there will be conditions for this.

The order on beating of presidential contender Kozulin has given personally Lukashenko. And chairman of KGB went to look who is stronger: one marine or 30 special force men.

What for we need to serve to such executioners?

Michael Garmahis (28) is journalist working in one of the Belarusian newspaper. Some time was engaged in NGO’s work and also worked as a tutor of German and English in college.
For further information, please visit his web site: http://garmahis.worldfreeweb.com (Garmahis’Belarus stories-articles, jokes, photos, drawings,wallpapers)

 
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It doesn’t matter if he’s a
potential wife beater or has latent schizoid tendencies or she’s a terrible nag
or wants to live in the country when you are a real
townie. Your genes don’t take personality into account. They
are on a one track mission to get you to have sex and reproduce.

It all started with some rather interesting experiments on mice…

Minnie wasn’t drawn to Mickey beause he was a fun loving little ball of fur
with good prospects and a loving nature, but because his genes were very
different from hers.

Scientific experiments have proved that, if your genes are different from his
or hers, and he or she has a certain look, you’ll be driven crazy with
lust.

After experimenting with mice, they did some tests on humans with surprising
results. They selected a number of women and men who had both similar
and different genetic MHC genes [that stands for major histocompatibility
complex]. MHC genes check out protein markers on cells and help the body
recognise hostile organisms This sets off the immune system.


If someone mates with a person whose MHC genes are differen from theirs,
the offspring will get a double dose of hostile organism checkers.. That means
their kids will have a better chance at resisting disease.

The testers asked a number men to wear brand new t-shirts for two days
and nights, never taking it off. They were not allowed to use anything on their
skins that had any kind of scent. They wanted them to get naturally
whiffy.

Women in the test were then given six t-shirts. Three of them were from men
who had similar MHC genes and the other three from men whose MHC’s were very
different from theirs.

The results showed that the women were more attracted to the scent of
the guys who had different MHC genes from their
own.

The interesting thing is that women taking the birth control pill, which
makes the body think it’s pregnant, preferred the scent of men who had similar
MHC genes to their own.

Some scientists reckon that this is because a pregnant woman doesn’t want
attract men to mate with during pregnancy, but is more drawn to men/women
who are family members i.e. with similar gene-induced odours! This has
something to do with a desire to find protection and care from within the family.

This research suggests that attraction isn’t just some unexplained ‘love at
first sight’ thing, but rather the immune system doing what’s best for the
future progeny – going for a guy or girl whose genes combined with his or her
own will give their kids a stronger immune system,

Of course in humans it’s not just a matter of whether he or she
smells right, because there are other factors that determine whom we fancy or
not.

Have you noticed how some couples look like each other? Think about this.
Most of us hold a physical attraction template based on the features of our
opposite sex parent.
If we look like the opposite sex parent, then chances
are we’ll end up with a mate who looks like us.

If we look like the same sex parent but very dissimilar to our opposite sex
parent, and we’re attracted to someone who looks like our opposite sex parent
that person may look quite different from us! So nature has provided
us with a simple formula for attraction

He or she’s gotta smell ‘right’ and have some of the features of our mum
or dad.

Now that’s all well and good for primitive beings who don’t care about
personality traits or social status. These things are
important to evolved human beings. That’s where the
problems start.

Those whiffy genes are pretty powerful and combined with the ‘attraction
template’ they are going to kick off a huge surge of ‘lust hormones’. Our body
produces these hormones to make us want to have sex. This is
determined by the programming in our DNA that says ‘REPRODUCE’.

The ‘lust hormones’ are so strong that they often override every ounce of
common sense. While our bodies are overflowing with desire, our brains are
unable to make rational decisions. That’s why it’s called love
sickness!

So when those long term couples who claim to have fallen in love at first
sight claim ‘I just knew’, they didn’t. Their >genes
knew they’d make strong kids with that person and they’d been programmed to
fancy the way that person looks. It’s pure chance that on top of the
genetic and physical compatibility, they also have matched personalities.

And of course we NEVER hear about those couples who had a gene and looks
match but didn’t quite work out so we assume that there is a magical syndrome
that we call ‘love at first sight’.

Next time you’re irresistibly drawn to someone, tell yourself to wait at
least one year before making any major decisions. It can take anything
from up to six months to two years or more the lust hormones to die
down and the pink clouds of ‘perfection’ to fade away.

Give your brain an opportunity to check out all the stuff that
we should be aware of before committing ourselves to marriage, buying a
home or even more important the decision to make babies.

For more information on our Pulling Power Weekend playshops go to http://www.attractionacademy.com

TESTIMONIAL!
“Peta is a dynamic energetic and inspirational teacher. I would recommend this
course highly for people who need to enhance their confidence in a relaxed and safe
environment. Lorraine C Clinical
Psychologist”

TESTIMONIAL! Thank you for a fantastic and fun time this weekend. I really enjoyed the playshop I got so much from this weekend like learning to shut up the self conversation in my head – the- importance of longer eye contact – - reading signals for space and how small they can be (I’ve always been looking for big things) Being in the now/body so the observations can be taken in rather than listening to the chit-chat – - and above all knowing how I am when I’m being at my best. Steve Nichols

Check out the Attraction Academy website http://www.attractionacademy.com

 
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Anxiety attacks and panic attacks can affect you in in quite a few different ways. Have you ever used the snooze button on your clock in the morning and physically not capable to get out of bed? Have you had an overwhelming dread about going to work, and been as if you just couldn’t “go through the motions” one more day?

Overcome panic attacks by visiting www.anxiety-attacks-panic-attacks.com and get the best guide on how to stop panic attacks.

Symptoms you many experience are crying or feelings of hopelessness, worthlessness, and despair. Feeling that the majority of what you do is for nothing and pointless, you are at the bottom of a bottomless pit, and there is no way out. Anxiety attacks, panic attacks, and depression and or a combination of all of them may be the reason.

If you are experiencing these, you are often forced to take more sick days at work than your co-workers, be ridiculed or chastised at work for degraded performance, or not being able to center on and finish your job at all. it’s not uncommon either to have increased instances of other illnesses because of diminished immune system functionality.

One can be affected by feelings of isolation from ones friends, family and loved ones, decreased activity in hobbies, and loose sight of your dreams.
Depression, panic attacks, and anxiety attacks can cause serious consequences with you and can feel as if your life is bad or even that you no longer want to live.

Always remember, you are not by yourself, and a good number of others feel like you do, are having the same experience. You can do things to get things to help yourself. Talk to a trusted friend. Getting it off your back can very often help out a lot. There are many, many ways which you can do that are self help, such as http://www.anxiety-attacks-panic-attacks.com. You might want to seek medical advice, and use that in conjunction with therapy and self help.
Don’t allow yourself to crawl through life, you are worth a great deal.
Begin to help yourself today.

Learn about 401K’s and learn how to begin investing today to make sure you get the most from your money. Did you know that most 401k plans are geared more towards the benefit of the company as opposed to the individual? Companies get kick backs and save much more by “offering” 401k’s than they do from pensions, which put the burden on the company. Companies are throwing the welfare of the individual out the window and masking benefits in the form of 401k’s.

Play backgammon online today and make money playing against people from all over the world. Get much better at playing by being able to play against people of all skill levels at any time of the day. People from all over the world are playing backgammon online right now. Play at the worlds largest online backgammon room and win money.

 
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We all love to receive gifts and presents the same to others. This implies the popularity of the ongoing tradition of presenting gifts. At a particular point of time when we need to select the most appropriate gift item for a person celebrating his birthday, it becomes difficult for us to purchase a gift that is best suitable for him. The maintenance of certain key facts would enable you to select the right product for the person.

It is essential and very important to analyze the choice of a person. It shall not be a difficult thing for you because you already know the person. Try to gain some information regarding the person’s choice based on his likes and dislikes. Every person has a different preferences some like electronic devices or gifts of remembrance while others love gift items on house-hold and garden products.

Being properly informed about his hobbies, favorite sports and their favourite personalities can help you in selecting a gift for the person. Online gift shopping will facilitate you in buying exclusive products while sitting at home.

Amazon UK and other online shops have large numbers of products in stock. You can purchase various fashionable items like electronic gadget or powerful and decorative objects by reading through the features in the collections of a shopping blog.

 
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4.1 percent rate of interest may look so fair but will that be uniform after you’re going to redeem your loan.

Translated it means: Woon je in Heerenveen of Diemen en heb je BKR verleden. Lenen met en BKR codering is nog nooit zo eenvoudig geweest. Koop een nieuwe woning met mini krediet zonder bkr, 288030 euro is geen probleem om te lenen. Van Veghel tot De Bilt, financieren met een BKR notering gaat hier altijd.

Analyze to see if the moneylender who is willing to give you a loan is . It doesn’t matter if you live in La Habra California or in Erie Pennsylvania a secure online investigation will prohibit you often a lot of ail. A merchant bank in Littleton Colorado or so can have a total different actual interest rate for a 35000 dollar money loan then a bank in Manhattan New York and that makes a large clear gap in your weekly costs. Now you can check up on interest rates quickly on the internet and encounter if there are possible sneaky traps you should be aware of. That’s the reason why now you need to inquire and figure if you can have a bank loan at a estimable percent rate. Many of the merchant banks wil show you a loan rate that is looking fairish but feels mischievously or so after some time. Be vivid today to investigate if you have a super deal or if you don’t with the bank that offers you a money loan.

 
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Machine-accessible gaming web sites are in the main regulated by 3 federations. These are known as OSGA (the Offshore Gaming Association), the IGC (Interactive Gaming Council) and finally the Fidelity Trust Gaming Association FTGA. sports book wagering

The Offshore Gaming Association is in fact a self regulating “watch-dog” agency that keeps checks on the current overseas sports gaming industry, they are trying to supply sports gaming lovers the capability to readily discover fair organizations to play games with. The OSGA attempts to look after the concerns of customers, additionally they do not levy any joining or annual expenses. The association is a proficient and unbiased third party agency who formulate unbiased judgments, established around your responses, independent studies, phone conversations, inside information furthermore delivers inside intelligence.

The Interactive Gaming Council are a non commercially motivated council. The organization was founded to provide a platform for concerned participants to address subjects and also to encourage progress in the field of relevant worries in the world-wide interactive gaming business, to ensure equitable and also dependable commercial instructions and patterns which improve consumer confidence in net based sports gaming products and utilities, and also to help as the overseas gambling industry’s generic policy spokesperson not to mention the Interactive Gaming Council offers an info base of operations.

The IGC has built a name for advancing trustworthiness, integrity and also believability via its elevated moral code, and its allure for concerns of honest standing. The Interactive Gaming Council governs offshore sports betting by upholding an original 10-point working process moreover charges sports betting business concerns license fees for displaying their logo. Dissatisfied gambling buffs may moreover air any of their issues to the IGC.

The FTGA was set up in a venture to create a standard to reform the policies of on-line sports betting operations. The Interactive Gaming Council believe that by partnering solely with companies of good reputation, they are able to forge a federation of the most trustworthy and most professional internet betting businesses internationally. In short, these are bodies which observe the transactions of web based sports gaming and which should work to mitigate any insecurities experienced by cynics. Internet sports gambling websites are completely trustworthy, in as much as personal data should not be submitted and the returns and the betting odds should be equivalent to an orthodox Vegas-style sports bet. They wipe out the traveling expenditure, but still retain of a gambling casino, however nowadays you may wager in your own home.

 
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I confess–I’m a marketing heretic! I’ve built my career on breaking all the
rules–and one of the rules I break is that I don’t hype.

Do I put the best possible “spin” on the truth? Of course! But I refuse to
deceive my readers into action.

What are some of the common copywriter tricks that I *leave on the
table?*

Here are a few to start:

* If you order in the next 24 hours, you get… (face it. If you come back
tomorrow, the offer will almost always still hold)

* Get all these bonuses, valued at $999, for FREE with your $100 order
(yeah, right! And who set the value of these gifts? And are they for sale,
anywhere, on the open market at these prices?)

*Here’s the information you requested (a GREAT statement–IF it’s true–
but I get five or six a day in my e-box, from companies I’ve never heard
of)

* Hi there, long-lost friend (and you sent it BCC?)

So why don’t I like the copywriter’s lies? And how do I write copy without
resorting to these deceits?

Well, first of all, I believe that if I want my words to sell a product, that
product should be strong enough to do so without tricking the buyer. I
know that if I trick someone, I may make a sale–but I’ve lost a customer
for life! Whereas if I show the merits, back up my claims, and focus on
the way this product solves a problem, eases a hurt or fear, or satisfies a
need, I will build that lifetime relationship.

Oh, and one more thing. I like to look in the mirror and see someone
who is doing good for the world–and I don’t think lies and trickery will
accomplish that. I happen to have a gift for writing, and I use that gift to
make the world better. That includes being honest with my self and with
my readers.

Much of the work I do is in the publishing industry. And here, the
competition is fierce. Roughly 175,000 new books are published in the
U.S. each year. Most of them will fail. My job is to help my clients’ books
stand out in this dense crowd.

Example: I wrote a press release for a book on electronic privacy issues.
Here’s my headline and lead. (Another rule I broke–never use the
headline as the lead sentence. It’s the only time I’ve ever done it that
way, but in this case, I think the repetition made the point stronger.
Names have been changed to protect the author’s privacy.)


It’s 10 O’Clock–Do You Know Where Your Credit History Is?

HIBBING, MN: It’s 10 O’clock–Do you know where your credit history is?
How about your employment records? Your confidential medical
information?

How would you feel if you found out this sensitive and should-be-private
material is “vacationing” in computer databanks around the world–
accessible to corporate interests who can afford to track down and
purchase it, but not necessarily open to your own inspection.

According to electronic privacy journalist and technology consultant
Mortimer Gaines, this scenario is all-too-common…

No falsehoods, no hype–but a whole lot more captivating than the usual
“New Book on Electronic Privacy Released by Publisher.”

Without tricking people, I want to capture interest…move the reader to
action…and still feel good about myself in the morning.

Yes, it can be done! I do it for clients every day, and have done so for
more than 20 years.

EzineArticles Expert Author Shel Horowitz

Shel Horowitz, author of *Principled Profit: Marketing That Puts People
First,* *Grassroots Marketing: Getting Noticed in a Noisy World,* and
four other books, offers affordable, effective copywriting and strategic
marketing planning to clients on three continents. He is the originator of
the Ethical Business Pledge Campaign to change the World at http://
www.principledprofits.com/25000influencers.html. His sites at http://
www.frugalmarketing.com and http://www.principledprofits.com offer
hundreds of useful articles for entrepreneurs and marketers, including
the complete back issues of his FREE Monthly Frugal Marketing Tips.
Shel will be glad to help you create your next press release, sell sheet,
web site, or other marketing material. He can be reached at
shel@principledprofits.com, 800-683-WORD.

 
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Assume that an older, wealthy widow(er)or divorced individual has a substantial amount in tax-deferred retirement plans such as defined contribution pension plans, 401k plans, 403b plans, and traditional IRAs. The widow(er) wants to leave the retirement plans to his or her children.

The problem is that when the children inherit the tax-deferred retirement plans and take distributions from them, the distributions are fully taxable to the children. The retirement plans are income in respect of a decedent (known as IRD), which is taxable. In addition, the balances in the retirement plans are fully included in the decedent’s gross estate for estate tax purposes.

If the individual were married rather than being a widow(er)or a divorced individual, usually the individual would want to leave the money in the retirement plans to his or her spouse. In that case, the surviving spouse could transfer the money into his or her own IRA and treat the account as his or her own. The surviving spouse would avoid income tax on the money in the decedent’s tax-deferred retirement plans. The bequest would also qualify for the unlimited marital deduction for estate tax purposes.

Is there any way to achieve the parent’s goal of having enough money to pay living expenses and yet leave a good inheritance to the children? The answer is yes if the older, wealthy parent is insurable for life insurance purposes.

Here is how the solution would work. The parent obtains a life insurance policy large enough to replace the balances in all the tax-deferred retirement plans. However, the parent is not the owner of the life insurance. The parent forms an irrevocable life insurance trust that has a “Crummey Powers” clause, and the irrevocable life insurance trust owns the life insurance policy. This technique will keep the value of the life insurance out of the decedent’s gross estate.

A “Crummey Powers” clause gets its name from a court case. It has to do with whether a gift is subject to gift tax. Gifts that are less than the annual exclusion amount are exempt from gift tax as long as the gift is a present interest in property. A “Crummey Powers” clause allows the beneficiary of a life insurance trust the right to withdraw gifts made to the trust that the donor intends to pay for life insurance premiums. As long as the beneficiary has the right to withdraw the donation under the “Crummey Powers” clause, it is a gift of a present interest in property.

Assume that the beneficiary does not exercise the right to withdraw the donation. The irrevocable life insurance trust will use the donation by the parent to pay the premiums on the life insurance.

Where does the parent obtain the money to donate the money to the trust to pay the life insurance premiums? The parent converts the balances in the retirement plans into a life annuity. Therefore, the parent receives payments for life and uses part of them to pay the insurance premiums through the trust. At the parent’s death, the annuity is worth zero. Therefore, the children do not have any income in respect of a decedent. Nothing from the annuity is included in the gross estate.

The life insurance company pays the children the proceeds of the life insurance policy. The proceeds of life insurance on account of the death of the insured are not subject to income tax. They are not subject to estate tax because the decedent did not own the policy.

This plan allows the parent to have an income stream during life from the annuity. The annuity payments would be fully taxable unless the individual has any basis in the annuity. The individual will need to use other income tax planning techniques to reduce the income tax resulting from the annuity payments.

This strategy converts amounts that would be subject to income tax and estate tax to amounts that are not subject to income tax or estate tax in the hands of the children. This strategy requires the services of a tax advisor, an attorney, and a life insurance agent. They all must be competent and exercise great care in implementing the strategy. However, if done correctly, this strategy can result in substantial tax savings. It also gives the parent more peace of mind knowing that the children will not have to pay taxes on the life insurance.

Alan D Campbell - EzineArticles Expert Author

Alan D. Campbell is a CPA in Arkansas and Florida and is self-employed primarily as an author of tax publications. He earned a Ph.D. in accounting with an emphasis in taxation from the University of North Texas. He is also admitted to practice before the United States Tax Court. He has published numerous articles on tax topics in professional journals. He is the co-author of the book Tax Strategies for the Self-Employed and the revision editor of CCH Financial and Estate Planning Guide, 15th edition. For more tax savings strategies, please see his blog: http://taxsavingsstrategies.blogspot.com

 
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