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In most standard scenarios, your water bill is in two parts; the water that is supplied and the water that is taken away as sewerage. If you were to implement a rainwater harvesting system in your home,[link widoczny dla zalogowanych], you’d reduce the amount of water that is supplied quite dramatically,[link widoczny dla zalogowanych], however the ‘used’ water may be charged for when it’s taken away and treated. Also consider the costs of treating the water you collect when planning to implement this.
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The alternative to a Rainwater Harvesting is a Stormwater Harvesting , where water is collected from the ground rather than the sky. Rainwater is generally cleaner when taken from the sky than the ground.
Using rainwater can also reduce the environmental impact of your operation. Whenever you run the tap,[link widoczny dla zalogowanych], the water that spurts out has been captured,[link widoczny dla zalogowanych], processed and treated. Not only will this involve chemicals,[link widoczny dla zalogowanych], it also involves electricity and other forms of energy, be it for monitoring the process,[link widoczny dla zalogowanych], or the fuel used by people driving to work. Even the millions of bills posted from suppliers to customers will have an environmental impact. Harvesting water yourself will reduce the impact of this.
Of course, sometimes a simple investment will result in an initial spend, which will save you a lot more money in the long run. A good example of this is to think of where your water comes from,[link widoczny dla zalogowanych], how much you use, and consider alternative collection methods. This article looks at how you can harvest rainwater for free for use in both private and commercial ventures,[link widoczny dla zalogowanych], and what you need to get started.
Rainwater is nature’s gift. The principle ways of saving money through rainwater harvesting is obvious; when you turn on a tap,[link widoczny dla zalogowanych], you are spending money,[link widoczny dla zalogowanych], because each drip of water will increase the size of the bill given to you by your supplier. Yet outside, water falls freely from the sky in the form of rain. Why not use it? Once you have the equipment you need it won’t cost you!
By Owen Wright
See all Articles by Stuseo VLGet Updates on Real EstateGet Updates on Stuseo VL Average: 0 Your rating: None Tweet
Bills, bills, bills, it’s all I ever seem to receive. With the recent increase of in taxes in the UK, the last thing any of us need is further expenditure. Splashing the cash is out, austerity is in; it’s time to tighten our belts and make do with what we have, rather than spend more money.
Rainwater harvesting is the process of catching and storing rainwater. Essentially you need a big tank for the storage and a catchment process. In some areas, rainwater can be suitable for human consumption without treatment. If you system which sits on your rooftop and catches the rain as it falls then there’s a good chance it will be clean, however you should be careful as whilst the water may be clean, the materials your roof is constructed from may not be. In the majority of areas some form of treatment and filtration will be required.
If you don’t want to drink the water, it can still be used for other purposes such as flushing toilets, washing cars, watering the garden... And these are just the everyday domestic uses. Commercially there are lots more ways you can use rainwater. Imagine how much water is used on farms, in car washes, cleaning the sides of buildings, cleaning floors, even in offices that have features such as fountains. Festivals often use rainwater as the supply for hand washing. Why pay for something that falls from the sky quite freely?
An example process for rainwater harvesting would be to have a catchment area on the roof,[link widoczny dla zalogowanych], with pipes taking the water to a storage tank at ground level. This water would then be run through an underground sand filter and into an underground tank. A pump would suck the water as required from this large underground storage tank and into a smaller tank within the building. From here it would be used for everyday purposes throughout the building ranging from showers to supplying the water in your toilet.
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Japanese news media reported Friday that Korea's five largest business conglomerates, Hyundai, Samsung, Daewoo, LG and SK, all plan to increase their paid-in capital by more than W15 trillion in total this year.

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fourteen forty on November 15th,[link widoczny dla zalogowanych], the provincial public security department highway traffic police detachment Zhucheng brigade received a report said: the driver Zhang in the high-speed Zhucheng service area when repast,[link widoczny dla zalogowanych], wallet will be lost in a restaurant. Brigade police on duty after receiving a phone call,[link widoczny dla zalogowanych], immediately notify the police patrol drove rushed to the site of the incident. At fourteen forty-five,[link widoczny dla zalogowanych], the patrol police rushed to the high-speed Zhucheng service area restaurant,[link widoczny dla zalogowanych], asked the waiter that,[link widoczny dla zalogowanych], wallet have been submitted to the service manager.
police immediately to the manager's office asked about the situation,[link widoczny dla zalogowanych], then the owner Zhang also rushed to the manager's office. The police asked for details of the wallet and checked,[link widoczny dla zalogowanych], contained more than 5700 yuan in cash,[link widoczny dla zalogowanych], 12 bank cards,[link widoczny dla zalogowanych], deposit 4 and identity card and other documents. In both the presence of police will be returned to the owner,[link widoczny dla zalogowanych], wallet.
the 96706 hotline news 15 days afternoon in southern Zhucheng, Jinan-Qingdao Expressway Service area,[link widoczny dla zalogowanych], a driver who will own a 5700 yuan cash wallet lost in a restaurant.
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Japanese news media reported Friday that Korea's five largest business conglomerates, Hyundai, Samsung, Daewoo, LG and SK, all plan to increase their paid-in capital by more than W15 trillion in total this year.

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Former President Kim Young-sam suddenly cancelled his press interview scheduled for Tuesday morning after a late night discussion with close aides,[link widoczny dla zalogowanych]. A former presidential aide who attended the meeting which lasted until midnight Monday said that the planned news conference was 'postponed' indefinitely,[link widoczny dla zalogowanych]. He did not elaborate on Kim's abrupt decision but some observer mentioned the possibility of backstage communication with the ruling camps,[link widoczny dla zalogowanych].
The ruling National Congress for New Politics (NCNP) spokesman Chung Dong-young lauded Kim's decision. When Kim Young-sam announced the news conference,[link widoczny dla zalogowanych], ruling party circles expressed strong displeasure,[link widoczny dla zalogowanych], saying it would further deteriorate the current political situation.
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Japanese news media reported Friday that Korea's five largest business conglomerates, Hyundai, Samsung, Daewoo, LG and SK, all plan to increase their paid-in capital by more than W15 trillion in total this year.

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by cold air forward,[link widoczny dla zalogowanych], from the beginning of this morning, the castle will be a rainfall,[link widoczny dla zalogowanych], rainy season after midnight and morning, tonight with the incoming cold air,[link widoczny dla zalogowanych], the temperature will lower again, expect the minimum temperature will appear on the morning of the 24 day, the urban minimum temperature will drop to zero, the outskirts of lowest possible temperature in -4 ℃.
the city meteorological station forecast for November 22nd: specific day, overcast with rain,[link widoczny dla zalogowanych], mist,[link widoczny dla zalogowanych], South to North 3-4, 4-5, 11-12 ℃,[link widoczny dla zalogowanych], night overcast with rain and snow,[link widoczny dla zalogowanych], the north wind 4-5 to 5-6 levels, Rafale 8 levels, 5-9 ℃; November 23rd day, cloudy sunny, with rain and snow,[link widoczny dla zalogowanych], the north wind, 5-6 wind 8 level 4-5, 4-8 ℃; night,[link widoczny dla zalogowanych], cloudy, wind 3-4, 0-4 ℃; November 24th day, cloudy,[link widoczny dla zalogowanych], from the north to South 3-4,[link widoczny dla zalogowanych], 5-9 ℃, night cloudy,[link widoczny dla zalogowanych], South 3-4, 5-9 ℃. (Zhang)
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Japanese news media reported Friday that Korea's five largest business conglomerates, Hyundai, Samsung, Daewoo, LG and SK, all plan to increase their paid-in capital by more than W15 trillion in total this year.

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President Kim Dae-jung said Monday that the creditor banks will not stand by if business groups do not abide by the agreements of the so-called 'big deal'; failure to do so will result in punitive action on the part of the banks. Kim's remarks were made in particular reference to the restructuring of the semiconductor sector,[link widoczny dla zalogowanych], which involves a merger between Hyundai Electronics and LG Semiconductor. The reformation of the chaebols must be carried out as agreed,[link widoczny dla zalogowanych], if the government waivers,[link widoczny dla zalogowanych], more negative side effects will result,[link widoczny dla zalogowanych], Kim added. The president also said that while previous governments backed off chaebol restructuring efforts in the face of opposition from the business groups his government would not make the same mistake. Meanwhile,[link widoczny dla zalogowanych], Kim said he will emphasize the boost in the nation's exports as well as the import of foreign capital inflow next year.
(Hong Jun-ho,[link widoczny dla zalogowanych], [link widoczny dla zalogowanych])
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Japanese news media reported Friday that Korea's five largest business conglomerates, Hyundai, Samsung, Daewoo, LG and SK, all plan to increase their paid-in capital by more than W15 trillion in total this year.

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Today on You Tube, 24 hours of videos get uploaded every single minute. An average person spends 15 minutes a day on YouTube. And 70% of YouTube’s traffic comes from outside of the U.S. seeing these figures we can say that the reason for the rise in use of videos is because online web videos help enhance customer services,[link widoczny dla zalogowanych], increase enquires per visitor, educate visitors to new and improved ideas and help enlarge business credentials. They can be used as a YouTube marketing video, which is probably the fastest and the most powerful tools in the social media realm.
But apart from all this,[link widoczny dla zalogowanych], how can you generate leads if you can’t generate enough traffic from your videos, people don’t want to watch them because they know it’s a sales pitch. So how can you get the right audience and potential consumers to voluntarily watch your video? The answer’s pretty simple, be stealthy. Make your video so interesting,[link widoczny dla zalogowanych], so funny, and so rewarding that people share it with their friends without noticing your sales pitch. There have been many attempts at stealth marketing in real life. But you need to keep the video short, using the right keywords and tags for promotion on the web. Upload the video on video sharing websites like Metacafe, Vimeo,[link widoczny dla zalogowanych], LinkedIn,[link widoczny dla zalogowanych], Daily motion and others. Share it with your friends on email,[link widoczny dla zalogowanych], Facebook and Twitter. And with the help of a professional video production, a business team with years of corporate experience in professional areas of scriptwriting,[link widoczny dla zalogowanych], story board and animation, they can easily help you make that perfect video for the promotion for your online business. You can give specifications of the kind of video you want for your product or service to help them develop the kind of video you want.
By James Williams
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Once you’ve made a professional video how can you promote yourself to reach a large number of people in a short time? Well,[link widoczny dla zalogowanych], YouTube is the solution to your problem. Who doesn’t know about YouTube? Unless you’ve been purposely avoiding the internet for the past 5 years! After Google, You Tube is the second largest search engine in the world. It is the home for all kind of videos. It’s a popular free video sharing website that allows anyone to view and share videos that have been uploaded by YouTube members. Videos have become the fastest ways to connect with your target audience and to build good relationships with them. YouTube, with over two billion videos viewed daily,[link widoczny dla zalogowanych], is a great indication of the high degree of engagement that is associated with videos. Sources go so far as to say that video is 7% words, 38% voice and tone and 55% body language. It’s no wonder that it has also been said to be more ‘engaging’ of a target market. People are no longer dealing with websites,[link widoczny dla zalogowanych], text and automated responses; they are coming face to face with another human being. This simple gesture can instill a sense of trust that goes a long way towards building customer relationships and brand loyalty.
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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Having categories for various kinds of expenses and income is definitely very useful and helps you to have a quick look at everything. However, the number of categories should not make the budget look complex. To start with, you can have basic categories like expenses, income, additional expenses, savings, investments,[link widoczny dla zalogowanych], and debts. That’s it. And if it’s comfortable, carry on with it. You don’t really have to search for new personal budgeting categories on the web every month.
Choose a calculation period
Budgets are based on estimates. And if these estimates of income or expenditure are taken vaguely, it wouldn’t serve the purpose. Although it is quite impossible to be very accurate as it involves future amounts. However, the figures should not be largely variable. Try to be as accurate as possible instead of taking an approximation. And if you intend to have a little room for errors, underestimate your income and shoot up your expense.
Vagueness is a dangerous threat to your budgeting plans. Try to be precise at every possible place. Before you start personal budgeting, I would suggest you to keep a track of every penny you spend. This would give you a definite idea of how much you spend every week. Subsequently,[link widoczny dla zalogowanych], it becomes quite easy to trace areas where you can save money. Hence, making a budget after knowing your expense is a suggested way to start.
Budget is not a diet plan. But akin to dieting,[link widoczny dla zalogowanych], budgeting too is very painful. Most people fail to keep their promises or follow a budget is mainly due to lack of fun in it. They prohibit themselves from eating out,[link widoczny dla zalogowanych], watching a movie, or spending money on what they like. This is what makes it boring. Fun factor should be included in the budget.
Author&#039,[link widoczny dla zalogowanych];s Bio:&nbsp,[link widoczny dla zalogowanych];
Make it fun
Keep a track of all your spending
Simplicity in budgeting will help you to be organized, with precision,[link widoczny dla zalogowanych], and without confusion.
And remember,[link widoczny dla zalogowanych], adopting a simple approach will help you or will encourage you to go all the way. Involving complexities will destroy the main motive of personal budgeting,[link widoczny dla zalogowanych], as you wouldn’t follow it for more than a day. Hence, simplicity is the key.
As the name suggests, personal budgeting is quite custom-made in nature. What works for you, may not work for your elder sister or your kid. Work out something that suits youk.
Simplicity
By Noura Depp
See all Articles by Noura DeppGet Updates on Personal FinanceGet Updates on Noura Depp Average: 3 Your rating: None Average: 3 (1 vote) Tweet
You will get lots of content on personal budgeting. However, after a while, you will definitely get confused with all the advice. Probably this article too might add to your confusion. Hence,[link widoczny dla zalogowanych], I have tried to keep it short and simple,[link widoczny dla zalogowanych], and precise.
It is essentially a period when you review your results and set new targets. Most people prefer monthly budgets. However,[link widoczny dla zalogowanych], going for a weekly one is also a good option. Ultimately, this decision purely depends on your preferences, and also on how you get paid.
Get proper estimates
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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One way to establish market differentiation is through the introduction of innovative new products. Establishing that differentiation is one thing, but maintaining it is quite another. Here we have put together a ten part series on how to generate higher returns from your innovation investments.
Performance: Does your process measure up?
Portfolio metrics are important,[link widoczny dla zalogowanych]. But process metrics are the leading indicators that enable a company to assess the business impact of innovation,[link widoczny dla zalogowanych]. Process metrics measure how well a particular innovation initiative is performing against key process adoption criteria,[link widoczny dla zalogowanych].
Here is one of the ten practices that leading innovators use to increase the payback from innovation spending: Measuring Performance of Your Processes,[link widoczny dla zalogowanych].
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By tracking process adoption patterns across the organization, you can identify and investigate usage issues immediately,[link widoczny dla zalogowanych], and make adjustments across the system to increase process efficiency and efficacy.
By Bryan Seyfarth
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For additional information on the top practices that leading innovators implement in their business to increase their returns on innovation spending,[link widoczny dla zalogowanych], look for our next article from this ten-part series: Ensuring Broad Stakeholder Buy-In.
For instance,[link widoczny dla zalogowanych], you should tally which process deliverables have been completed and which are no longer required or are incomplete in order to determine the rate of actual execution and innovation process use. This type of measurement is particularly important given the alarming frequency with which innovation processes fail simply because the intended users don’t adopt them.
A recent study indicated that more than half of senior corporate executives are dissatisfied with the returns their organizations are generating from investments in innovation. However,[link widoczny dla zalogowanych], some organizations are realizing as much as forty to sixty percent more revenue and profit from new products than their industry peers. How do these companies differ?
From our series of highly informational articles, companies will learn: how to treat innovation as a cross-functional business process,[link widoczny dla zalogowanych], how to align innovation execution and business strategy; how to create sustainable innovation; how to train your senior executives to successfully execute innovation initiatives; how to effectively manage process and project management; how to measure performance of your processes; how to ensure broad stakeholder buy-in; how to understand the importance of product roadmaps; how to provide the tools necessary for successful product innovation; and finally,[link widoczny dla zalogowanych], how to ensure that portfolio management coincides with process management.
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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The official unemployment rate fell to 9.4% in December,[link widoczny dla zalogowanych], down from 9.8% in November – which was the largest one month drop in unemployment since 1998. It was reported that the economy added 103,000 new jobs last month. The Bureau of Labor Statistics, which maintains the country’s official records of employment, reports that the number of jobless persons dropped by 556,[link widoczny dla zalogowanych],000 to 14.5 million people.
Ok,[link widoczny dla zalogowanych], so what’s really going on here? Let’s “check” the facts using our Checks and Balances process.
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Congress was busy last month before the holiday recess. During the lame duck session, many new laws were pushed through before the Democrat Congressional majority ended. The Bush tax cuts were extended, as were unemployment benefits for the long-term unemployed, Don’t Ask,[link widoczny dla zalogowanych], Don’t Tell was repealed,[link widoczny dla zalogowanych], and a new Russian Arms Treaty was passed … and the list goes on! Now,[link widoczny dla zalogowanych], the new 112th Congress is in session and their “to-do list” is quite ambitious,[link widoczny dla zalogowanych], with their first order of business – to REPEAL Healthcare Reform.
What’s not included in the official unemployment rate are those who are only “marginally attached” to the labor force, which describes individuals who were NOT employed, but were available for work,[link widoczny dla zalogowanych], and had looked for employment over the past 12 months. “Discouraged workers” is another group that falls under the “marginally attached” category. They aren’t counted because they are not “actively” looking for work. There is also the “underutilized” category, which refers to the number of people employed “part-time” for economic reasons, or because they were unable to find full-time work. When you look at the collective number of ALL categories of workers, the actual unemployment and underemployment rate today is closer to 16.7%.
The number of unemployed Americans is the LOWEST since April of 2009,[link widoczny dla zalogowanych], and at 9.4%,[link widoczny dla zalogowanych], a significant drop from the post-recession high of 10.1% in October of 2009. The unemployment rate is calculated by the number of people looking for full time employment divided by the number of jobs in the workforce. An unemployed worker,[link widoczny dla zalogowanych], according to the Bureau of Labor Statistics, is defined as a capable and willing worker, who is NOT currently employed, but is actively LOOKING for full time employment. They categorize these unemployed workers as “job losers” and “long-term unemployed.” The long term unemployed is a “job loser” who has been looking for employment for 27 weeks or longer.
By Chris Cbenton
See all Articles by Chris cbentonGet Updates on Financial FreedomGet Updates on Chris cbenton Average: 0 Your rating: None Tweet 相关的主题文章:

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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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For a manufacturing or a retail industry,[link widoczny dla zalogowanych], it is very important that they have a strong supply chain management system. Without a proper management system that tracks the production,[link widoczny dla zalogowanych], transportation and the sale of products,[link widoczny dla zalogowanych], it is difficult for a business to do well. Pick and pack services are one of the most important things that are indispensable parts of a supply chain management system. It is quite clear from the name itself that in pick and pack,[link widoczny dla zalogowanych], the manufactured products are picked up from the factory or manufacturing unit,[link widoczny dla zalogowanych], then packed duly and stored safely in a warehouse for transportation. The entire process is believed to be successful when the manufactured goods are transported and delivered to the client in proper shape and condition. Without proper pick and pack services,[link widoczny dla zalogowanych], the demand and supply chain is also hampered as the commodities cannot reach the market on time and people cannot buy the product.
When a manufacturing company or a retail industry starts growing fast,[link widoczny dla zalogowanych], it become difficult for it to manage the department of pick and pack all by itself. In these cases,[link widoczny dla zalogowanych], the industry or the business house outsources the job to a fulfillment company. These fulfillment companies handle the job of pick and pack services extremely well and can take the business to new heights altogether. Apart from a fulfillment house,[link widoczny dla zalogowanych], there are some companies that solely deal with offering pick and pack services to customers globally. Such companies can also be contacted if needed. Any company that deals with pick and pack has customer satisfaction as the main target. If the customer is satisfied,[link widoczny dla zalogowanych], no one can stop the prospering and flourishing of the business. These services mainly start after the sales campaigns by the company are done with and there is demand of the product in the market.
Good and efficient pick and pack services help in building up good relations with the customer as well. When the demands of the customers are fulfilled and they receive their ordered products on time and in proper condition,[link widoczny dla zalogowanych], it is the credit of the manufacturing company. The role of the company offering pick and pack facilities is also appreciated. Companies dealing with import and export are also largely dependent on good and reliable pick and pack services. Experienced and expert professionals are required for offering pick and pack facilities and the job needs lot of care and attention.
By Diego Hall
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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Articulate
By Claudia Winifred
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Understand the Goal
One of a Kind
Author's Bio:
Your logo design should have a killer look. It should be easy on eyes and beautifully done. There must be some artistic value of it. People should enjoy looking at it and it should attract them like bees on honey. But it is a very subjective thing,[link widoczny dla zalogowanych], for example if you like things in pink it does not mean that the entire world loves everything to be pink. When considering the elements of style,[link widoczny dla zalogowanych], please do consider the sensitivities and tastes of your targeted market. For example if you manufacture of hammers,[link widoczny dla zalogowanych], and construction tools,[link widoczny dla zalogowanych], you may not want to use lilies and roses on your logo
Business owners,[link widoczny dla zalogowanych], who are thinking about a redesign of their logo, or those who are thinking about getting a new one, need to make a quick check list for quality assurance. Since you are the one spending money here to improve your brand and extend your business, then it should be you to watch for the quality of the service you are getting. Exactly what you should watch for when you are getting a logo design?
The purpose of a logo design is to establish an image of your business, brand or product in an artistic,[link widoczny dla zalogowanych], visually pleasant and articulate way. The goal is that when presented to an audience your logo design should be able to explain your business. An excellent logo design explains a business,[link widoczny dla zalogowanych], its values,[link widoczny dla zalogowanych], mission statement and promise of higher standards of care and quality. So when you are getting a logo design you need to see if it fulfills these requirements. Does you logo design fulfils its purpose?
It should clearly describe your business’s message. Instead of using phrases that involve a lot of guess work it should have something smart and intelligent to describe your business. This could be an illustration,[link widoczny dla zalogowanych], a catchy phrase or just the setting of elements on the board. An articulate message does not mean something that rhymes. It means something that delivers the message and communicates with the viewers of that particular logo design. It is not necessary to have text in your logo design,[link widoczny dla zalogowanych], the same goal can be achieved by simply adding a relevant illustration.
Good Looks
It should be able to stand out of the crowd of other logos in the similar industry. For example if it is a logo of a bookstore then it should look uniquely different than the logos of your competitors. However,[link widoczny dla zalogowanych], being different here does not mean that you add a chef’s hat,[link widoczny dla zalogowanych], a fork and a dining table in your bookstore logo. It should look like a bookstore logo but with some creative new idea. Uniqueness of a logo design ensures that your logo is added to the memory of the potential customer. If the viewer of that logo is frequent to places similar to your business then your logo design should remind the viewer about your products or services and why they should go with you.
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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One of the most lucrative areas of real estate investing is foreclosures. When people don’t have enough money to make the payments on their house they end up losing it in foreclosure. Investors frequently purchase these properties for very little money. Interestingly, a lot of people are also saved from having to experience the nightmare of a foreclosure by these investors.
To assist you in finding deals and help you with particular facets of your deals,[link widoczny dla zalogowanych], it will be necessary to find out how to build a success team for yourself. You just can't do everything yourself. You will not make any money if you try to do it all yourself. Allowing other people to do whatever it is they’re good at is what you must do to be successful.
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I understand most people aren't in a position where they can take advantage of investing in foreclosures. Therefore, when you are provided with the chance to put cash in your bank account in 30 days or less by learning a step-by-step system to profitably invest in foreclosures, then what you have actually been offered is a way of reconstructing your life. In other words,[link widoczny dla zalogowanych], you have been offered a means to set yourself free financially. Learning how to profit without using your money or credit would be a must for you then, wouldn’t it?
By Vickie Jimenez
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Having no money and no credit should not stop you because you can still learn how to acquire these properties without money and credit. Profiting from a foreclosure in less than 30 days has been done by some people. You don't need to have any money and you don't need credit. Sure it’s great if you have money and credit, but it's not required.
The first thing you must do is to find out how to go about investing in foreclosures. You need to get some knowledge first before you can use it. The foreclosure process has several different stages,[link widoczny dla zalogowanych], such as Pre-foreclosure, Auction,[link widoczny dla zalogowanych], and REO that you will have to learn if you are not familiar with foreclosures. You can learn about all of these steps and how to make money with a property at whichever stage it's in.
Secondly, planning is an important step in order to avoid running into problems down the road. You can learn ways to set up your business to give you legal protection and other advantages.
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Here at WAKE UP Sense, we will guide you on the right path to financial independence and personal empowerment.
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Commodities—Alternative Actions and investing for today’s Mega Information Era:
Just like any discipline, commodity trading has unique characteristics within the platform of trading futures contracts. There are a few terms and concepts we must learn to begin to understand the trading system.
There are two basic terms that are crucial to any trader, “long” and “short” futures positions. A long position is a purchase in the marketplace with the presentment of rising prices. A short position is a purchase in the marketplace with the presentment of lower prices.
With statistical data, charts, crop reports, and weather related information,[link widoczny dla zalogowanych], a trader makes calculated determinations of which position he wants to “own” in the marketplace.
A key factor to keep in mind is that it really doesn’t matter which direction the “analyzed” market is headed, it only matters that you have staying power within the market you are entering. Once you have determined that the market is showing a possible set up to make a move, you need enough money and margin to trade the market. Margin is the amount of money you must put up with the exchange and broker to own a futures position, regardless of whether it’s a short or long position.
Staying Power is making sure you have enough cash to ride out the peaks and valleys that a commodity will no doubt make within your futures position. As you enter a market, you will enter at a specified price point and in a futures contract you will be responsible for all the ticks that a market realizes throughout the trading day. A tick is simply the minimum price move an individual market can make. The ticks are comprised of a monetary figure that is attached to each move. This is how the exchange determines through its standardization process just how each individual trader is doing with respect to their long or short positions.
All markets have different trading hours, or the length of time each market is open throughout the day for traders to realize profit or loss for their prospective trades.
In 1982, the futures market added another dimension to the trading platform that allowed for many more speculators and newbie investors into the market. An investor could now purchase a “CALL or PUT” option to enter a commodity market. An option was the right but not the obligation to enter a market at a pre determined price whereby they could leverage multiple futures contracts with a much smaller amount of money. A call option was purchased with the preconceived notion of rising prices, similar to going long in futures. A put option was purchased with the preconceived notion of falling prices, similar to going short in futures.
This allowed the newbie investors into the market with much less risk with only having to put up an amount of money much less than the margin on futures to trade.
Options, like futures contracts, have their own set of languages to learn in order to feel comfortable purchasing calls or puts.
In purchasing options, we purchase at a Strike Price which is a price determined from the underlying futures price of the commodity. To use our lumber as an example, if the price for a day of trading ranged from 140-147 per BDFT than we might use Strike Prices of 140 or 145 to buy options. Each of these Strike prices are assigned a point value. A price for example for a 145 CALL option might be 780 Points, and our pt value in lumber is 1.10. We simply multiply the points times the point value to determine our dollar amount to hold one option and in this case it would be $858.
Every day, the markets have an open, high, low and close price. In this case,[link widoczny dla zalogowanych], let’s say the market closed at 147. This particular option at a strike price of 145 would be an “in the money option”. This simply means we purchased an options strike price that was lower than our closing price that day. In essence, we have already created a profit for that day of trading as we own it at 145.
Conversely, out of the money options are the options that are a ways away from the futures trading price. For instance, let’s say were looking to buy a 180 CALL option in lumber as we thought the market was going to rise. If the market closed at 147, than a 180 call would be 33 points out of the money.
Options are quoted not only in the strike price but by the time value of money principle. In short,[link widoczny dla zalogowanych], time erodes money and the further out (time) options you buy the more expensive they become. And as the time erodes on that option, the less valuable they become.
In our lumber example, let’s assume we are shopping for those 180 CALL options and we want to go at least 6 months out to give the market some time to see some price appreciation. Again, we are buying the right but not the obligation to enter this market so we need some “time value” in order for the market appreciation to hopefully provide some profit. If the Front month, or the month we are currently trading in doesn’t show much time value we might look to a further deferred months, or the months further out to trade to shop for options. If it is in the March contract, we might look to say July to get some prices. With our market trading in the front month at say 147, we might shop for an out of the money CALL option in that 180 to see a price. With all that time, the options are going to be more expensive as we now have “bought” a few more months for the price appreciation to come.
That option might be say 1700 pts or $1870. Why? You are buying more time value for that option to be worth more profit potential. And as the time erodes and we go from one month to another that option will be worth less,[link widoczny dla zalogowanych]. The OPT EXP on the chart legend is usually 1-2 weeks prior to the Last Trading day of the month.
Options provide a very powerful tool to leverage and provide the staying power to ride out the peaks and valleys of commodity markets. Unlike other investments, commodity trading is very fast and very liquid. Many contracts are bought and sold every minute of every day and for every new buyer of an option there is a seller. The staying power, or ability to ride out the market when it goes against your initial direction to profit is crucial to your success. There is an old saying, the market will always do what you think it can’t, and the minute you get out of a position is usually when it turns. Options provide a very powerful tool to leverage while still being able to profit handsomely.
While there are many other facets, methodologies and strategies to trade within the commodity markets, this is just a brief introduction to a new age of thinking when it comes to your financial future.
It is time to WAKE UP America, take responsibility for your own financial future. It is just too risky to entrust your hard earned money to a so called “financial planner”.
There are many methodologies and strategies for the novice commodity investor to learn but there are none better than becoming a “chartist”. When you are looking at chart formations and set ups, there are no reasons to ever listen to “hot tips” from “BROKERS”!
When you become a chartist, you are relying on charts to decipher and analyze when markets will most likely make major moves up or down. That price action and movement is where the traders profit potential is realized.
In order to begin,[link widoczny dla zalogowanych], you must become familiar with a chart legend which is a guide and reference standardized chart to show you each individual commodity and the characteristics of it.
To use as an illustration, we will focus on the lumber commodity. The trading hours we have spoken about, which is just simply the hours the market is open for active trading. In this case they are 10:00am – 2:05pm EST but it should be noted that they do change depending on the exchange. The contract size is quoted in Board footage in lumber. Its standardized measure is always 110,000 board ft or BDFT in lumber language. This simply means that when you enter into a futures contract in lumber, you are going long or short on 1 futures contract which is quoted in 110,000bdft measure. It is quoted on a per thousand bdft measure based upon delivered price to Chicago, which is why it is traded on the CME or Chicago Mercantile Exchange. Because there are many grades and species within the lumber commodity,[link widoczny dla zalogowanych], it is always quoted in terms of Western SPF (Spruce Pine Fir) species and a grade of standard and better construction grade lumber.
The margin to hold 1 futures position on lumber is $1650 per contract and the maintenance (minimum in your account at the end of each trading day close) is $1100. This can also change periodically at the discretion of the exchange depending on activity.
If your margin falls below this level you will be issued a margin call, which is the presentment that you need to put in more money in your trading account as the market has slipped below the amount of money you put up to trade.
There is a daily limit (maximum amount or price move a market can make in one trading day) on lumber of $1100 for each contract,[link widoczny dla zalogowanych]. There are exceptions in lumber depending on certain conditions but most markets do have a daily limit move.
The point value in lumber is $1= $110 and the minimum point move is 10cents or $11.
The FND (first notice date) is the day in which a notice of intent to deliver a commodity in fulfillment of a given months futures contract can be made by the clearinghouse to a buyer. The LTD (last day trading) is the last day you can be in the market in the front month whereby the contract must be settled by the delivery of the underlying commodity or settled in monetary concessions. The last component is the Opt expires date. This is the date you must liquidate your options in the lumber market or they expire worthless.
By Scott Lifer
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Author's Bio:
To begin any new venture,[link widoczny dla zalogowanych], we must first learn the language and lingo of the discipline.
Commodity Trading is nothing more than a huge supermarket of tangible goods (cocoa, sugar, coffee, lumber, feeder cattle etc) whereby buyers and sellers are brought together by the modern day exchanges (clearing houses where individual trades are executed) to buy and sell products.
The first reported contract on record was traded in Chicago in 1851,[link widoczny dla zalogowanych]. Back then contracts were only accomplished by individuals using “forward contracts”. This was simply a contract between a buyer and a seller in which the seller agreed to deliver some specific commodity to the buyer sometime in the future.
This unique phenomenon was quite innovative for the times and was initiated in part due to Chicago’s rapid growth after incorporation to become a city in 1867. Chicago was the hotbed of commerce for trade with its strategic location to Lake Michigan and all the Great Lakes as well as rich and ripe Midwest farmland. It was the Nations main Grain terminal and with the major expansion in the Midwest it led to many issues with supply and demand, transportation, storage and the overall flow of product in an uncivilized marketplace for efficient trading.
Farmers, with their grain and livestock harvest in hand came to regional markets in hopes of “bumper crop” sales. In most cases, supply far exceeded demand and prices were poor. In other times, meat packers found it difficult to find product at certain times of the year so prices were very high. In short, there was no conformity or structure to trade within a set framework. This led to our modern day “futures trading”.
In 1848 the Chicago Board of Trade was founded by key merchants to have a standardized meeting place to provide some structure to buyers and sellers for their commodities.
The CBOT was very successful in laying the ground work for more systematic trading but it quickly recognized some flaws. In using the old paradigm of the “forward contract” which was between the buyer and seller, it was difficult to have any check and balance system with regard to grade, quality of product, delivery times or “iron clad” contractual commitments.
In 1865 the Board created an immutable platform in which to trade known as the modern day “futures contract”. This set the stage for an equitable trade between both buyer and seller. A margining system was enacted similar to earnest money on a house to counteract any party backing out of their agreement. Funds were deposited with the exchange or an exchange representative to guarantee performance.
Standardization of Grades within each commodity was crucial to this process protecting buyers mainly from unscrupulous practices of the sellers sending them low quality or old product. In short, a “futures contract”,[link widoczny dla zalogowanych], is a legally binding agreement made on a trading floor of a futures exchange to buy or sell a commodity or financial instrument sometime in the future. All futures contracts were then standardized with respect to grade,[link widoczny dla zalogowanych], quality, quantity, and delivery time. The table was now set for a free enterprise, unalterable trading platform.
With the legally binding futures contract in place and the trade being executed on an exchange rather than between two individuals it was time for the marketplace to expand. The affluent within the community, began to see value in “Speculating” in these markets by forecasting into the futures market to gain some honest profit. This quickly made the markets much more liquid(larger and more people trading) and the futures markets were off and running to gain market share with respect to people investing their monies. Standardization of trading led to more and more types of commodities being traded. Cocoa, coffee, lumber, gold, hogs,[link widoczny dla zalogowanych], orange juice, beans, sugar to mention a few.
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When you decide to invest in mutual funds or anything else, diversification is the best way to protect your investment. This is one reason why mutual funds are so popular. Mutual funds are an easy, inexpensive way to diversify your investments.