Tuesday, May 31, 2016
East Hartford, CT - FREE Real Estate Investors Training. Webinar. Learn how to make your money or energy work for you!
Do you know that majority of millionaires in United State keep their money in real estate? Do you know that real estate is one of the most secure and proven ways to your financial independence? I can't think of a reason not to invest in real estate ASAP. Ask yourself following questions: Do you want to invest but don't have money? Do you have money in your savings account that doesn't work as efficiently for you as you want them to work? Are you looking for Part Time Solid Income? ( 1000 - 10,000$ per week or per month ) Do you like helping others and make financial independence for your retirement? Are you a Real Estate Broker or Salesperson and want to understand Real Estate Investors more in order to get more clients and increase your sales? Do you have a solid plan of how to make a successful business with good cashflow so you don't have to work anymore? If any of these questions is the one that you ask yourself then join our nationwide webinar and we will help you to find the answer that works for you. Can extra 350$ dollars per month make your life a little easier? This is an average minimum amount for a cash flowing property. Can you have multiple of them? -Yes! Yes! Yes! At our 1.5 hours REI webinar you will learn: How to save up to 70% on your taxes each year! How to pay down your debt faster! How to find money for investing! How to make 500 to 10 000 $ part-time! How to play the real estate game the right way! Why you should have a small business! How to think like an investor! Still don't want to invest? Join and learn how you can buy your first home for under market value and how to find the best deal out there! How to manage your credit, understand taxes better and how to pay off your debt quicker. Few words about us. We are a Nationwide Real Estate Investors Community and we love helping people to realize and achieve their dreams through real estate investing and continuous education. Many of our members as long as a group as a whole buys and sells real estate and we will teach you how to make money with us! We have many professionals nationwide who have many years of experience and you will get to meet and work next to them. You will find people who do deals all across the country: New York, New Jersey, Connecticut, Illinois, Pennsylvania, Georgia, Florida, Washington, California, North Carolina, Hawaii, you name it! Real Estate Investment is a great way to build your wealth long term and be able to retire without thinking about shortage of your savings or pensions. This is the best benefit that you can get for yourself starting today! You don't need to have any experience. The only requirement - you have to be coachable and teachable and have a desire. All you need is a will to learn and take action. Watch our 1.5 hours online webinar and open a Real Estate world to yourself. Reply to this invitation to get exact instructions and reserve your seat. Make your dreams come true TODAY !!!
at Real Estate Investors Training
, (online meeting)
Hartford, United States
Orignal From: East Hartford, CT - FREE Real Estate Investors Training. Webinar. Learn how to make your money or energy work for you!
Abandoned #2
Abandoned #2
A rusty old tanker trailer along-side the A64 on the outskirts of seacroft, leeds, UK.
Taken with an Infra Red filter.
It was my birthday the other week, so i invested in a Wacom graphics tablet & pen - this is the first photo i've really got to grips with it with.
To make the tanker stand out more i had 2 separate curve adjustments and layer masks - one dark and one light (the light one being to dodge-in the extra details in back-end of the trailer).
The wacom's great - so easy to dodge and burn with as the pen "nib" is pressure sensitive - the harder you press the more pronounced and bigger diameter of the effect, plus you can be a lot more accurate drawing free-hand than with a mouse.
Orignal From: Abandoned #2
Key Things To Look Out For In a Personal Injury Proection Plan
With road accidents on the increase everywhere, ensuring you have personal injury protection really is a necessity. This is also a case of looking after other people you are responsible for in addition to paying off loans for instance. PIP's (personal injury protection) are a standard part of some plans which also include terminal illness and disability cover and this might be a more efficient way to purchase this type of insurance. Insurance policies like this are costly to the average household that will budget its monthly outgoings carefully, but these are generally the people that are the most vulnerable.
It is important to remember the protection should cover everything that is required otherwise it is a waste of time and money. Most US states have already passed laws to ensure people have personal injury and other forms of insurance although the amount of cover is not consistent. In Alaska for example a car driver will require ten times the amount of coverage that a driver in Florida will need. While there are a few states left that do not require personal injury protection by law yet, it is only a matter of time but that does not mean you cannot have this peace of mind right now.
The cover will pay around 80 percent (depending on the plan) of the costs of the insured and passengers. There are some expensive items covered by this plan, which will pay out even if the policy holder is to blame, including medical costs for the driver and people in the vehicle with him. Owing the cost element in setting up insurance plans like this, it is worthwhile inspecting any current arrangements you have to see if there are areas already protected to keep the expense down. Items like the medical expenses and lost income are already part of a current health plan that is in force.
If you were to find that this was case then you may not require a personal injury plan at all or only a minimal cover one at worst. Your driving record can also be a contributing factor when considering whether or not you actually require personal injury protection. Health insurance plans will often cover the main policy holder as the driver and providing the passengers are relatives, it will usually cover them as well if they are injured. You will need to check these details and not hope for the best because if the personal injury protection does not extend to them adequately, there could be problems.
It is the responsibility of the driver (or other insured party) to look after the safety of their passengers, whoever they may be. If you live in a state that does not have mandatory personal injury protection you may want to add this into your portfolio. Your insurance policy costs can depend on many factors, including, age and current health conditions, both of which can lower your premium considerably. On the other hand, when you are young and just starting out and probably don't have much in the way of health and liability insurance, you will want to protect yourself, your family and your future by carrying as much insurance as you can afford.
Orignal From: Key Things To Look Out For In a Personal Injury Proection Plan
Akron, OH - FREE Real Estate Investors Training. Webinar. Learn how to make your money or energy work for you!
Do you know that majority of millionaires in United State keep their money in real estate? Do you know that real estate is one of the most secure and proven ways to your financial independence? I can't think of a reason not to invest in real estate ASAP. Ask yourself following questions: Do you want to invest but don't have money? Do you have money in your savings account that doesn't work as efficiently for you as you want them to work? Are you looking for Part Time Solid Income? ( 1000 - 10,000$ per week or per month ) Do you like helping others and make financial independence for your retirement? Are you a Real Estate Broker or Salesperson and want to understand Real Estate Investors more in order to get more clients and increase your sales? Do you have a solid plan of how to make a successful business with good cashflow so you don't have to work anymore? If any of these questions is the one that you ask yourself then join our nationwide webinar and we will help you to find the answer that works for you. Can extra 350$ dollars per month make your life a little easier? This is an average minimum amount for a cash flowing property. Can you have multiple of them? -Yes! Yes! Yes! At our 1.5 hours REI webinar you will learn: How to save up to 70% on your taxes each year! How to pay down your debt faster! How to find money for investing! How to make 500 to 10 000 $ part-time! How to play the real estate game the right way! Why you should have a small business! How to think like an investor! Still don't want to invest? Join and learn how you can buy your first home for under market value and how to find the best deal out there! How to manage your credit, understand taxes better and how to pay off your debt quicker. Few words about us. We are a Nationwide Real Estate Investors Community and we love helping people to realize and achieve their dreams through real estate investing and continuous education. Many of our members as long as a group as a whole buys and sells real estate and we will teach you how to make money with us! We have many professionals nationwide who have many years of experience and you will get to meet and work next to them. You will find people who do deals all across the country: New York, New Jersey, Connecticut, Illinois, Pennsylvania, Georgia, Florida, Washington, California, North Carolina, Hawaii, you name it! Real Estate Investment is a great way to build your wealth long term and be able to retire without thinking about shortage of your savings or pensions. This is the best benefit that you can get for yourself starting today! You don't need to have any experience. The only requirement - you have to be coachable and teachable and have a desire. All you need is a will to learn and take action. Watch our 1.5 hours online webinar and open a Real Estate world to yourself. Reply to this invitation to get exact instructions and reserve your seat. Make your dreams come true TODAY !!!
at Real Estate Investors Training
, (online meeting)
Columbus, United States
Orignal From: Akron, OH - FREE Real Estate Investors Training. Webinar. Learn how to make your money or energy work for you!
the US$ 3 TRILLION HEIST,
the US$ 3 TRILLION HEIST,
BLOGGED: 17 Dec. 2008: www.counterspinyc.blogspot.com/
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC - September 25, 2008
VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!
Photographer: a. golden, eyewash design - c. 2008.
Friends,
The richest 400 Americans -- that's right, just four-hundred people -- own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion -- the same amount that they were demanding We give to them for the "bailout." Why don't they just spend the money they made under Bush to bail themselves out? They'd still have nearly a trillion dollars left over to spread amongst themselves!
Of course, they are not going to do that -- at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do -- spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why -- on --earth – did -- our -- "representatives" -- give -- these -- robber -- barons -- $ US850 BILLION -- of – OUR -- money?
Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE...IS...NO…FREE... LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE'S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL... IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives'" PHONE LINES...IN SPITE OF CRASHING OUR POLITICIAN'S WEBSITES...IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY... THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!
It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/'ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here's the proposal, now known as "Mike's Rescue Plan." (From Michael Moore's Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN'T, BUT SHOULD'VE:
1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky...Wall Street hates him & this is a GOOD thing.)
2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.
If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:
a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It's the Senator Sanders plan. He's like Colonel Sanders, only he's out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.
b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.
c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.
d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.
All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would've have a little leftover to repair some roads, bridges and schools...
3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn't go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people's primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.
And let's set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.
4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that's how it's done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back -- with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk -- and necessary for the good of the country -- then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.
5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here's what Sen.Phil Gramm, McCain's chief economic advisor, said at the bill signing:
"In the 1930s ... it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.
"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.
"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."
FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.
6. IF IT'S TOO BIG TO FAIL, THEN THAT MEANS IT'S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can't happen when you have hundreds -- thousands -- of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON'T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can't call all the shots (I know... What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can't explain it in two sentences, you shouldn't be taking anyone's money!
7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it's only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we're in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.
8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE'S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people's savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they've put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees' funds -- or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People's private retirement funds must also be protected, but perhaps it's time to consider not having one's retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.
9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it's hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the '80s, 3,000 banks closed, but America didn't go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.
As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn't buy the scare campaign. The citizens didn't blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn't the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say 'Saddam has the bomb' so many times before the people realize you're a lying sack of shit. After eight long years, the nation is worn out and simply can't take it any longer. The WORLD is fed up & I don't blame them.
10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE'S BANK." Since they're really itching to print up a trillion dollars, instead of giving it to a few rich people, why don't We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People's bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG - the country's largest insurance company - let's take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won't be 12th on the life expectancy list! We'll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life -- a life with ONE nice home and ONE gas-free car invented with help from the People's Bank.
P.S. Call your Senators NOW !!! ---> www.visi.com/juan/congress/
Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected...call them and tell them you will vote for the other "guy" if they don't get their act together!
UPDATE:
The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go
We are hearing more and more reports of how badly the ill-advised banker's bailout is being handled, multi-million dollar bonuses for Paulson's old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.
NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush's proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don't do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.
Here is Cindy's last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.
Last Cindy TV Spot Action Page:
www.usalone.com/cindy/donations_tv2.php
There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.
The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys'
network.
And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.
Paid for by Cindy Sheehan for Congress
Donations to Cindy Sheehan for Congress are not tax-deductible
Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.
If you would like to get alerts like these, you can do so at www.usalone.net/in.htm
Or if you want to cease receiving our messages, just use the function at www.usalone.net/out.htm
Orignal From: the US$ 3 TRILLION HEIST,
MS-DOS "Microsoft" Centered
MS-DOS "Microsoft" Centered
I originally developed these photos for the student newspaper Stud.Jur. to illustrate an article on a new law providing copyright holders with a tool to fight illegal file sharing. The photos display the command dir in ms-dos, a command line environment.
Feel free to use these photos, as they are licensed under the Creative Commons license, however please post a comment if you do!
Jeg tok disse bildene i forbindelse med en artikkel i studentmagasinet Stud.Jur. som omhandlet forslaget til ny lovgivning som gir rettighetshavere et bedre vern og mulighet til å ta rettslige skritt mot blant annet fildeling. Bildene viser resultatet av ms-dos kommandoen dir i ledetekst.
Bruk bildene etter eget ønske da de er lisensiert under Creative Commons, men post gjerne en kommentar om du gjør det!
Orignal From: MS-DOS "Microsoft" Centered
Make Money Selling Ebooks Online: One Sales Secret I Bet You Never Heard Of
I've been writing and selling ebooks online since 2004. To date, I have written and self-published almost 40 ebooks on Amazon. In 2010, for the first time ever, sales from these and my e-courses accounted for over half my annual income.
I divulge all this to say, I've learned a few tricks - a few trade secrets, if you will - of how to make money selling ebooks online. And one that I've never read anything about is how writing an effective Table of Contents can lead to increased sales and decreased returns.
My Return Numbers
I'm lucky, less than 1 percent of those who make an ebook purchase from my company request a refund. How do I know this?
As I said, I've been selling ebooks online since 2004. For the title, "Ebook Returns: 16 Ways to Minimize Them . . . and Sell More Ebooks Online," I went back through almost three years of records and calculated this. So these are not just numbers I guestimated; they're based on actual figures.
One Little-Known Ebook Sales Secret: Why a Detailed Table of Contents Is Critical to Selling Success
One of the reasons I think my return rate is so low is because I put time into creating a detailed Table of Contents. It's one of the best ways to decrease the number of refund requests. Why?
Because a detailed Table of Contents gives buyers a thorough snapshot, if you will, of what they're about to purchase. When a prospective buyer is looking through it, they can readily discern if you cover what they want to know about.
And, if you deliver on the information in your Table of Contents - this is extremely important by the way - then it's been my experience that you decrease the chance of them asking for their money back because you've in essence told them exactly what they're buying.
Make Money Selling Ebooks Online: How to Write a Table of Contents That Will Make Sales for You
The most important key to doing this is to answer questions. Let me explain.
Most of my titles are ones I wrote because I receive a lot of questions from readers of my website (on freelance and SEO writing). Every question I get from a reader, I throw into a file.
And, when/if I write a title on a topic a reader has written in about, I go to that file, locate all the questions that are pertinent, and answer them in detail. This does two things: (i) It practically guarantees that you will sell more ebooks, because those who wrote in will probably buy the title; and (ii) it dispenses information you KNOW your target audience wants to read about (again, a sales boost).
Orignal From: Make Money Selling Ebooks Online: One Sales Secret I Bet You Never Heard Of
Monday, May 30, 2016
The Likely Effect Of The New UAE Law 2008 On Real Estate Investments
A foreign investment law is created so that there is a free flow of foreign investment in to the home land. This greatly helps in globalization and also in bringing the ideas of different nations and different productive business techniques in the home land.
According to sources from the ministry of economy, The UAE foreign investment is in its drafting stages and it should be ready by the end of the year 2008. This will enable the global investors to freely invest in UAE.
To accomplish this task, the federal government has set up a committee. This committee consists of members of ministries of economy, finance and industry, and also representatives of over 35 firms including both the public and the private firm.
It is the vision of the prime minister of the economy, Sheikh Lubna Al Quasami to make the emirate a favored foreign investment destination. He is facing problems in the drafting of the law, as the seven countries that constitute the emirate have different laws relating to ownership and investments. But at a national investment forum in last December, he expressed his view of providing a one stop legal reference point for all the investors. He also spoke about likely measures in the law to regulate foreign direct investment in to the country.
Aleef Al farra also expressed a common belief saying that although they did not hope to standardized the law and regulations through out the country, but still there would be certain common grounds so that the foreign investors could invest with certainty. The main motive of this law is to provide transparency and to remove all ambiguities. The reason of ambiguity behind the various laws of the different nations of the emirates, for example on the northern emirates you can get land for free which is not the standard practice through out the UAE.
The aim of foreign investments is not just to have a greater cash flow in to the country but with greater investments, there is an impetus to growth. These investments help to rear new ideas and also give a chance for new companies to come up with innovative products.
Another law that helps the same cause is the UAE competition law. This law is modeled keeping in mind the anti trust law of the United States and also laws of other developed countries. This law helps to keep a check on the companies that create monopolistic trends. These anti completive companies are a great danger to the economy as they take way the opportunity for the small and the medium sized companies to prosper. These monopolistic companies also weigh heavy on the pocket of the consumers. As in the case in the other developed countries, small and medium sized enterprises will be excluded from the purview of this law, as these enterprises are not capable of carrying out a monopolistic business owing to their size.
Orignal From: The Likely Effect Of The New UAE Law 2008 On Real Estate Investments
The Green House: Demand Is Growing For Environmentally Friendly Homes.
In decades past, it used to be that environmentally friendly homes were known for looking, well, a little strange. Sometimes they were domes made of foam. Or half-buried underground. But however they were designed, they usually didn't fit in with traditional neighborhoods--or offer highly desirable amenities and features. So most homebuyers wanted nothing to do with them. Happily, things have changed considerably in recent years. There are now a lot more options available when it comes to "green" building materials. Some of these include compressed earth blocks, insulated concrete forms, and structural insulated panels. And a home constructed of them can look like any other house on the block. The only difference is that it will have lower utility bills and co-exist more gently and positively with the environment. Not only that, some of the construction materials are even fireproof, resistant to mold and insects, and are inherently soundproof--so outside noise is substantially reduced.
Many of these environmentally intelligent materials and techniques are high-tech, and didn't exist until just a few years ago. Unlike cars, computers, cell phones, appliances, and other products that are constantly being improved with advances in technology, traditional homebuilding materials have remained the same for the last forty or fifty years. That's no longer the case. And many homebuilders who want to stay ahead of the curve are already incorporating them into the homes they're planning and building.
What else can you--the home-buyer--expect to see in the green home of tomorrow?
How will your demands as a consumer, combined with concern for the environment and advances in technology, change the new homes of the future? Well, the size of homes will definitely be impacted. Back in the early 1970s, the average size of a new single-family home was about 1,600 square feet. These days, it's 2,400 square feet, even though the average family size has dropped. In addition to floor space, ceilings are higher, too. In fact, a rule of thumb seems to be that the more costly the house, the higher the ceilings will be. However, most industry experts now predict that homes have gotten about as big as they're going to get for the foreseeable future. Why? Because buyers are starting to ask themselves if they really need all that space. Simultaneously, they're becoming aware of how much precious energy it takes to cool, heat, and maintain a large home--and the ultimate effect of that on the environment.
That's why most major homebuilders are already on board with the federal Energy Star program. It calls for improvements (such as tighter windows and energy-saving heating and cooling systems and appliances) that make homes as much as twenty to thirty percent more efficient than standard construction. And organizations such as the American Institute of Architects and the Green Building Council (among others) have set a goal to make all new construction "carbon neutral" (which means no use of fossil fuels) by 2030. This means a strong emphasis on solar energy--which is not quite mainstream--yet. But new technologies are already in the development stages to make it easier and less expensive to tap into the sun's rays. These technological advances will be rapidly becoming available in the upcoming decade. For instance, photovoltaic cells are now being incorporated into roof shingles. Water conservation is also a "hot button"--with homebuilders and homeowners seeing the wisdom of installing rainwater collection systems and using the water in their gardens and landscaping.
In the long run, however, it's not just about saving money on energy and utility costs. What's really important about the Green Movement is sustainability. It's about your grandchildren's children inheriting a world from you that's healthy and joyful. A nice home, in other words.
Orignal From: The Green House: Demand Is Growing For Environmentally Friendly Homes.
Image from page 818 of "Hazell's annual ... a cyclopædic record of men and topics of the day .." (1917)
Image from page 818 of "Hazell's annual ... a cyclopædic record of men and topics of the day .." (1917)
Identifier: hazellsannualcyc1905pric
Title: Hazell's annual ... a cyclopædic record of men and topics of the day ..
Year: 1917 (1910s)
Authors: Price, E. D Palmer, William Hall, Hammond, b. 1857 Ingram, Thomas Allan, 1870-
Subjects: Statistics
Publisher: London : Hazell, Watson & Viney, ld.[sic] [etc.] H. Frowdw, Oxford University press [etc.]
Contributing Library: University of Illinois Urbana-Champaign
Digitizing Sponsor: University of Illinois Urbana-Champaign
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ts belong to the Members, who are expressly freed from all personal responsibility. (The next division of profits will be made as a t 1st March, 190&. The following table shows the progress of the Society during the last fifteen years :— Year. No. ofPolicies in force. Existing- Assurances. Annual Income. Total Funds. 1889189418991904 17,84021,43025,01828,098 £10,573,70211,601,35213,061,11613,937,567 £398,449447,778511,207592,974 £3,119,6933,612,8214,203,1874,956,025 The Society transacts every description of Life Insurance Business.Insurances against Issue are effected at moderate rates of premium. Loans are granted on Life Interests and other approved security, Reversions are purchased,and Annuities are granted. Prospectuses, Forms of Proposal, etc, may be obtained on application to the Societys London Office— 19, KING WILLIAM STREET, E.C. Resident Secretary-F. R. LEFTWICfL Insurance Advertisements. !3 Mutual Life Association of Australasia, 5, LOTHBURY, BANK, LONDON, E.C.
Text Appearing After Image:
ESTABLISHED 1869. S£?fD £1,800,000. INVESTMENT ASSURANCES Without Medical Examination. COMMERCIAL UNION gasy^. FIRE—LIFE—MARINE—ACCIDENT. CAPITAL FULLY SUBSCRIBED . £2,500,000 I TOTAL ANNUAL INCOME .. .. £2,500,000 LIFE FUNDS, £2,619,089.TOTAL ASSETS EXCEED SIX AND THREE QUARTER MILLIONS. HEAD OFFICE:—24, 25 & 26, CORNHILL, LONDON, E.C.DIRECTORS. F. larkworthy, Esq. John H. Ley, Esq. J. Carr Saunders, Esq. Right Hon. SIR ANDREW R. SCOBLE, K.C.. K.C.S.I.Alexander Billing Sim. ESQ. (Churchill & Sinn.W. J. THOMPSON (W. J. & H. Thompson).John Trotter, ESQ. (John Trotter & Co.).P. Bence Trower. Esq. (Trower & Sons).F. L. WALLACE, ESQ. (Wallace. Bros.).Edward Webb, Esq. w. reierson Arbuthnot, Esq.Robert Barclay, Esq. (Barclay & Co., Ltd.).Sir Thomas Brooke, Bart. W. Middleton Campbell, Esq. (Curtis, Campbell &Co.). Jeremiah Colman, Esq. (J. & J. Colman, Ltd.).The Right Hon. LEONARD H. COURTNEY.William C. Dawes, Eso. (J. B. Westray & Co.).Sir
Note About Images
Please note that these images are extracted from scanned page images that may have been digitally enhanced for readability - coloration and appearance of these illustrations may not perfectly resemble the original work.
Orignal From: Image from page 818 of "Hazell's annual ... a cyclopædic record of men and topics of the day .." (1917)
Child burn victim Andrew Kruglis
Child burn victim Andrew Kruglis
Andrew Kruglis, circa June 14, 1924
General Notes: Written on verso: "Andrew Kruglis, age 9 is in a serious
condition. He was the first one out of the Hall. As the fiends came rushing
in, Andrew ran as fast as he could for a block when overcome by a man
in blue who threw a pot of boiling grease on his bare legs. Note the
blotches on his knee and righ foot where the new skin has formed. The
bandaged portions are where the wounds are deep. He is baring his
misfortunes, but has several weeks more to suffer.
Written on verso of duplicate: Andrew Kulcis, age 12. Legs scalded in raid
at San Pedro June 14th."
Photographer:
E. F. Moffett
Subjects (LCSH):
Industrial Workers of the World -- History.
Industrial Workers of the World.
Digital Collection:
Industrial Workers of the World Photograph Collection
Item Number:
Persistent URL:
Visit the Labor Archives of Washington State, UW Special Collections reproductions and rights page for information on ordering a copy.
University of Washington Libraries. Labor Archives Digital Collections.
Related Resources:
Labor Archives of Washington State Website
Labor Archives of Washington State Collection Guide
Finding aid to the Industrial Workers of the World Photograph Collection, Labor Archives of Washington State, University of Washington Libraries Special Collections
Finding aid to the Industrial Workers of the World Seattle Joint Branches Records, Labor Archives of Washington State,University of Washington Libraries Special Collections
Finding aid to the Industrial Workers of the World Seattle Joint Branches Records, Labor Archives of Washington State, University of Washington Libraries Special Collections
Finding aid to the Everett Prisoners' Defense Committee Records, Labor Archives of Washington State, University of Washington Libraries Special Collections
Orignal From: Child burn victim Andrew Kruglis
Sunday, May 29, 2016
How to Choose a Personal Injury Solicitor
If you have been injured, physically or mentally, you might have to make a claim for damages (compensation), to put you back in the position you were in before the injury - as far as is possible. Even if you don't like the idea of the 'compensation culture' that the UK seems to be developing and don't want to make a damages claim, your injury might mean that if you don't seek damages you will suffer financially: perhaps you have to stop working, or pay for private treatment rather than wait, in pain, to be treated on the NHS.
Personal Injury Solicitors, Compensation Lawyers and Personal Injury Lawyers are professionals to whom you would normally turn to guide you through and represent you to claim compensation. But they have a bad press: they are seen as vultures, circling and seeking to make a profit from someone else's misery and suffering.
Some (anyone who calls themselves 'Solicitors') have legal qualifications and are regulated by the Law Society and Solicitors Regulation Authority. Others ('lawyers') are not necessarily legally qualified or regulated - and if your case has to go to court, they have to pass the work on to a practicing Solicitor or Barrister who can present the case in court.
That's not to say that such professionals are not experienced - indeed they will typically handle many cases each day and have large caseloads to handle just as a Solicitor would. But if they don't have a Solicitor within the team, your case could be passed at a late stage to someone who you don't know and who doesn't know you.
Do your research before you agree to sign up to any Personal Injury legal specialist. Some small firms of Solicitors practise in all areas of law whereas others (usually, but not always, in larger firms) specialise in one type of law. Within a firm, there can be different departments, each specialising in different fields of law. Make sure you choose one who specialises in personal injury claim, or you are taking a gamble that your legal representative might not know what they're talking about.
If you have been involved in a road traffic accident and you have Legal Cover through your insurance, you don't have to instruct the lawyers that your insurers put you in touch with. You can choose to instruct whomever you want. If you have had an injury due to medical negligence then it is even more important to choose a lawyer with experience and specialism in this particular field - they need to know which experts to instruct and what to ask, and they can be expected to tell you how your claim will progress and what you are likely to achieve.
Check how your chosen Solicitor expects to be paid. Will they offer you a 'no win, no fee' agreement and if so, would any money come out of your pocket during the case or out of your compensation at the end? These contracts are often written in legalese - do not be afraid or embarrassed to ask how it would work in practice - it's potentially a lot of money you're talking about and not something that should be brushed under the carpet due to British reserve. Ask about exactly what will happen, cost-wise, if you lose but also what will happen if you win.
Orignal From: How to Choose a Personal Injury Solicitor
Image from page 2098 of "The Post-Office annual Glasgow directory" (1828)
Image from page 2098 of "The Post-Office annual Glasgow directory" (1828)
Identifier: postofficean192324glas
Title: The Post-Office annual Glasgow directory
Year: 1828 (1820s)
Authors:
Subjects:
Publisher: Glasgow : printed by J. Graham for the letter-carriers of the Post-Office
Contributing Library: National Library of Scotland
Digitizing Sponsor: National Library of Scotland
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Makers ofHydraulicPumps andAccumulators. Arrols Patent Riveting Machines. StampingPresses, Etc. Hydro-ElectricPlant. ElectricCapstans, Etc. Steam, Electricand HydraulicCranes. Floating Cranes. Giant Cranes. Titan andGoliath Cranes. TemperlyTransporters. Sole Makers ofD. WhitakerSteamShovels, Etc. 2 Rolling Lift Bridge over River Cart at Inchinnan. Designers and Builders of Bridges, Steel Buildings, Etc. London Office: 59 PALACE ST., WESTMINSTER.Crane Works, PARKHEAD, GLASGOW. SCOTTISH WIDOWS FUND The Largest British Office for Mutual Life Assurance FOUNDED 1815. Funds exceed £23,000,000
Text Appearing After Image:
Annual Revenue £2,600,000 Claims Paid £56,000,000 THE SOCIETY TRANSACTS ALL CUSSES OFLIFE ASSURANCE AND ANNUITIES, e.g.:- POLICIES TO PROVIDE F6R DEATH DUTIES.COMBINED INVESTMENT & FAMILY PROTECTION.SPECIAL POLICIES FOR LADIES AND CHILDREN.INCOME FOR LIFE COMMENCING ON RETIREMENT. THE REBATE OF INCOME TAX ALLOWED BY THE GOVERNMENT ON THE PREMIUMS PAID RENDERS A LIFE ASSURANCE POLICY A PROFITABLE AND ATTRACTIVE INVESTMENT. GLASGOW OFFICE: 114 WEST GEORGE ST. Scottish Automobile & GeneralInsurance Company, Ltd, Robert J. Smith, C.B.E., Chairman. W. S. Miller, J.P. George F. Paisley, J.P. W. H. Prvce (C. E. Heath & Co., Ltd.). (glanagera:Geo. Lammie & Son (Insurance), Ltd MOTOR INSURANCE Special Club Policy protecting everyessential Risk and with many privileges other-:: wise at competitive rates of premiums. :: OTHER DEPARTMENTS :- Employers9 Liability, Fire, Public Liability, Burglary, Householders9 All Risks, and Personal Accident Hemd Office: 136-138 HOPE! STREET, G
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Orignal From: Image from page 2098 of "The Post-Office annual Glasgow directory" (1828)
Cheap Life Insurance - Why a Joint Life Insurance Policy is Preferred by Married Couples
If you are thinking of taking out a joint life insurance for you and another individual from your family for instance your spouse or your kid, it is crucial that you go through all the fine prints and examine and compare first on the different life insurance companies that provide this type of insurance and acquaint yourself with the life insurance policies applied while buying such life cover.
For case in point, there are several life insurance companies that have a joint life insurance policy known as the joint "first-to-die" life insurance policy in which both individuals are covered however the benefit goes only to the first individual who expires between the two policyholders. Despite the fact that there is a great deal of liabilities and risk involved while applying for a joint life term insurance, there are a large number of causes why a husband and wife duo would like to think about this kind of life insurance policy. If you are uncertain with regard to whether you along with your spouse must file for such a plan, this article will provide you with the listing of a few of the most widespread and reasonable causes for this accomplishment.
Amongst a number of main causes why a husband and wife duo would submit an application for a joint life term insurance is for home loan security, in particular for those couples who have presently invested a lifetime savings on a new house. This is for the reason that a joint life term insurance policy confirms that lest one of the two individuals departs this life, the living partner or policyholder will be able to sustain and in due course settle up the loan amount in addition to other related amount outstanding incurred upon. As a result of accomplishing this, you will be provided with the chance to substantially save your hard earned money on loan interests on top.
One more motivation would be if the duo has kids to maintain. Raising children, in particular at a time there is a economic downturn having a stressful effect on the nation's financial system, can be extremely tough in due course therefore opting for joint life term insurance will add to individual's odds of repaying loans and expenditures lest one of the policyholders breathes his last earlier than the kids have attained the lawful age of 18 years or more. To finish it off, opting for a joint life insurance can be an excellent add on to any individual's retirement arrangement. It gives married pair the capacity to buy an annuity with additional choices for instance monthly payments until the first among both the policyholders passes away or until the surviving spouse breathe his/her last.
Despite the fact that the second alternative is favored by the majority of husband and wife duo, given that the annuity lasts until the surviving spouse dies, the monthly earnings he/she gets is lesser when contrasted to individuals who opted for a single life annuity only. Whether you choose to buy a single life policy or go for a joint life policy the main thing is to get yourself insured. So, don't waste time, apply now before it's too late.
Orignal From: Cheap Life Insurance - Why a Joint Life Insurance Policy is Preferred by Married Couples
Great Luxury Condos For Sale In Your Dream Location
There are great luxury condos for sale in your dream location. All you have to do is decide which one is right for you. Gaining that information can be a fun experience. You can go and visit a number of ideal locations to see which one suits your taste. Remember that no matter what type of location you have in mind, you should find one in that location. You will have that comfort of having a house right there by that dream vacation spot.
Choosing where you want to purchase that dream house will be up to you. With careful research the right one will be found. Depending on your tastes, such as being an avid skier or a person who loves walking on the beach, you will start looking for the desired location to fulfill these passions. It does not matter what passions you have, you will find a holiday house in or near that type of setting you love, so just look.
A good start will be to obtain the services of a distinguished estate agent so that they can help you in finding what you want. Regular estate agents normally specialize in general houses for people who want o live there. There are specialist agencies that only deal in holiday houses and these agencies will be able to help.
Look around at different locations of the same type of areas. For instance if you are looking for a house in the mountains, then try looking at different mountains and get the feel of which view is the best. You must also look at what you want, do you want a small village type of area or a holiday area with lots of houses.
Getting to the holiday house is also a factor to be considered. Is could be far to travel by vehicle or by plane or even by boat. This all needs to be taken into account when you are choosing a place. If you really do not like travelling on bad unpaved roads for a long distance then do not choose rural locations.
After deciding on the perfect location you can now search for the perfect house. Find one that suite all your needs and have a look at a number of places so that you can get a feel of what you really want. It is always a good idea to have an estate agent help you with this regard. They know the ins and outs of the buying industry.
When deciding on the right condominium think about the option of renting it out the times that you do not use it. This is a good way of funding the house payment. Again you can use that estate agent that sold the house to you to rent it out on specific dates. The estate agents can handle arranging tenants.
Take your time when looking because this is a big investment and you really want to get the right one. You want to enjoy the house and location a lot, so relax and pick carefully. Once the right one comes and you buy it then you will have the place of your dreams.
Orignal From: Great Luxury Condos For Sale In Your Dream Location
Wolves in the Throne Room
Since 2002, over the course of 4 studio albums and hundreds of live performances, Wolves in the Throne Room have refracted the transcendent and mythic aspects of Black Metal through their own idiosyncratic Cascadian prism. The resulting essence is music that is intimately linked to the wild lands of the Pacific Northwest.Their songs explore the hidden world of magic that one accesses through dreams, visions and music. As the mind-altering pulse of the drums merges with seemingly infinite layers of guitar, an ocean-deep psychedelic soundscape coalesces. Time slows down, a portal opens and the blazing metal riffs collapse and shift into a dirge that invokes a misty otherworld. In their songs, rain-drenched specters loom at the edge of the wood. Ancient cedar beings stir beneath their wet moss robes. One glimpses a bronze-domed temple rising among the firs.In fall of 2013, their work reached a new level of refinement with the release of Celestial Lineage. In contrast to the bleakly hypnotic architecture of 2008s Black Cascade, or the more orthodox forms of Two Hunters (2007) and Diadem of 12 Stars (2006), Celestial Lineage moved into a more expansive and visionary territory. The bands trademark long-form approach to arrangement remained intact, but the album revealed a thread of star-lit pulse emanating from a bank of crumbling analog synthesizers woven with the intertwining guitar figures2014 will see the release of Celestite, an instrumental, experimental companion record to Celestial Lineage. Celestite sees the band take a deeper excursion into the crystalline synthesizer-driven domains that have long intrigued them. With the aid of producer Randall Dunn, the band unearthed a hidden soundscape that is only loosely tethered to their familiar sound, yet is still unmistakably the work of Wolves in the Throne Room.Celestite will be the inaugural release on the bands new label, Artemisia Records, which will be their outlet for future releases.
at KungFu Necktie
1250 North Front Street
Philadelphia, United States
Orignal From: Wolves in the Throne Room
Things to Bear in Mind Before Getting Lasik Surgery
Laser-assisted in situ keratomileusis, more commonly referred to as Lasik surgery, is a form of refractive laser eye surgery executed by ophthalmologists--specialists who specifically operate on the visual pathways. Lasik is meant to cure three common visual ailments: myopia, astigmatism, and hyperopia. Since it is meant to restore the eyes' natural functions, it negates the need for wearing either glasses or contact lenses.
For those who have been burdened with any of these visual disorders, Lasik can immediately sound like a Godsend, especially because the corrective surgery is known for minimal pain and recovery time for the patient. Before undertaking the surgery, however, there are a few things to consider about the preoperative period, the cost, and so on.
Any patients who wear soft contact lenses must cease wearing them anytime from five days to three weeks before their scheduled surgery. Wearers of hard contact lenses will have to stop wearing them for much longer--sometimes for three months or more, depending on the surgeon's opinion.
Depending on the type of procedure used, the cost may vary anywhere from 1,000 to 3,000 dollars per eye. If you see an advertisement that seems to offer a flat rate, such as, "Lasik from $ 500 per eye," beware. This price is based on absolutely perfect conditions: minimal correction needed through surgery and no follow-up care. In general, the price is dependent upon the severity of the patient's case and his or her own customization.
The less expensive option includes using the bladed microkeratomes; newer technology has allowed for a procedure guided by "wavefront analysis." The purpose behind this technology is to produce a more optically perfect eye, and patients tend to express more satisfaction with the results than they have with earlier techniques. However, this version of Lasik does tend to be significantly more expensive.
Most ophthalmologists offer a wide variety of options to help patients select the precise Lasik operation to fit their budget and their situation. But all potential Lasik patients must be mindful that if they have a complex condition to be corrected, the price can sometimes be beyond their control. For optimal results--or any results at all--the surgeon may need to use a more personalized method. And the more customized the procedure, the more the price becomes inflated.
Few vision insurance plans cover the cost of Lasik, so check with your employer to see if they have made any special arrangements with a local Lasik professional for a lower negotiated cost. You may also be able to qualify for a tax deduction, so be sure to investigate all of your financial options before diving in.
Orignal From: Things to Bear in Mind Before Getting Lasik Surgery
BONEY JAMES
VIP Reserved Booths on Floor
* .50 per Ticket - Must Buy Entire Booth
* Booth for 4 = 0
* Booth for 6 = 5
VIP Gold Circle Reserved Seating
* .50
* First Come, First Served
General Admission - Seated
* .50 Advance / Day of Show
* First Come, First Seated
* Full Menu Available
* Minimum Per Person, For All Tables
* All Ages
Four-time GRAMMY nominee and multi-platinum selling sax-man Boney James continues his artistic evolution with the dynamic futuresoul. Fusing his love for vintage soul music with his mastery of modern production, Boney has created another genre-bending work following on the heels of his 2014 GRAMMY-nominated album The Beat.
"The forms I'm working with are rooted in my early influences," says James, dropping names like King Curtis, the Stylistics and Earth, Wind & Fire. "But recently I've been listening to contemporary artists like Tinash�, Sam Smith and Ellie Goulding, and I'm inspired by the sound of their recordings. The production is so cool and evocative. As I started the new record, I was in my backyard studio messing around with this "gearhead" stuff I've collected. Ideas started flowing and it sounded like modern soul music to me. I thought to myself, `What is this?'... And then it hit me: `futuresoul.'"
His 15th CD, futuresoul contains 10 original songs produced and written or co-written by James. Released by Concord Records May 4, 2015, futuresoul features vocalist and Mint Condition frontman Stokley on "Either Way," a collaboration enabled by Twitter. Says James, "Like my recent duet with Raheem DeVaughn, I was able to meet Stokley on Twitter and send him the music for this track. He wrote the brilliant lyric and sent me a finished vocal all via email!"
Also featured is rising-star trumpet player Marquis Hill (2014 winner of the prestigious Thelonious Monk International Trumpet Competition) on the plaintive "Far From Home."
Other notable collabs on the record are title-cut "futuresoul," co-written and co-produced by neo-soul mainstay Dwele, and "Drumline" and "Watchu Gon' Do About It?" with co-writer/co-producer Jairus Mozee (Anthony Hamilton, Robin Thicke).
futuresoul is the follow-up to The Beat (2013), nominated for the GRAMMY for Best Pop Instrumental Album, which prompted The New York Times to praise "The relaxed charisma of Mr. James' tone..."
"Tone, or the `sound' of my horn, is really crucial to me," says James. "I practice my saxophone in my backyard studio every day when I'm not on the road. I'm still dedicated to trying to be a better player. I spend much of my time with a keyboard next to me and a computer behind me," he continues. "So when I get a creative idea, I'll reach over to the keyboard and pick out a few notes or record myself singing a melody. I start gathering pieces. Then I'll build on them and gradually they'll turn into songs. I get more and more excited and start spending 14-hour days out there. Before I know it, I've made an album. It's amazing how it happens - like a ball rolling down a hill, it develops its own momentum."
Of course this process would not be possible if James weren't so skilled with the production technology - he says he views digital production as an instrument in itself. He almost certainly could not have imagined such a thing when, at age eight, he picked up his first instrument: the clarinet. "I really wanted to play the trumpet, but when we went to the local music store, all they had were clarinets," he explains. "I had to have something that day, so I took one home. The saxophone came up two years later because there were so many clarinet players in the band. My teacher kind of leaned on me to switch," James laughs. "It was fate."
The `analog' tone of the sax combined with the `digital' sounds of modern production contribute to the sonic tension that fuels futuresoul.
Boney says, "The track `Vinyl' really embodies the blending of retro and modern,"
as it represents the first time he has sampled a classic record. "What you hear in the chorus," he notes, "is a `filtered' piece of the Stylistics song `People Make the World Go Round.'"
Born in Lowell, Mass. and raised in New Rochelle, NY, Boney became seriously interested in music in the mid `70s, a very vibrant and freewheeling period for popular music. "You could hear different genres all over the radio. Contemporary jazz was everywhere - people like Grover Washington Jr., Herbie Hancock and George Benson were stars," he marvels. "Artists like Stevie Wonder and Earth, Wind & Fire were incorporating jazz into what they were doing, and the jazz guys were mixing R&B into their sound. It was a great time to be a young musician."
By 13, James - born James Oppenheim and nicknamed "Boney" in his mid-20's when a meager touring per diem saw him growing thinner - was jamming in basements and garages. One summer during college, he found himself sitting in with some friends at a club. "Playing in a real club, with the energy of a real audience was such a fantastic rush," he remembers. "That was the spark for my decision to become a professional musician."
Following early pro gigs, (including sideman stints with Morris Day, the Isley Brothers, Randy Crawford and Teena Marie) James released his debut album as a leader, Trust, in 1992.
Over the following 23 years James has racked up sales of more than 3 million records, four RIAA gold albums, four GRAMMY nominations, a Soul Train Award, nominations for two NAACP Image Awards and 10 CD's atop Billboard's Contemporary Jazz Albums chart. In 2009 Billboard magazine named him the #3 Contemporary Jazz Artist Of The Decade (trailing just Kenny G and Norah Jones).
What's in the future for futuresoul? Already making inroads at radio with the funky "Drumline" and the sultry "Either Way," Boney will hit the road mid 2015 and continue touring throughout 2016.
James says, "When people ask me what category my music falls under, I always say, `It's Boney James music'."
Known for blurring the lines between genres, with futuresoul, Boney is doing the same between eras.
Let's just call it "retro music for a modern age."
Boney James >>
Boney James @ Facebook >>
Boney James @ Twitter >>
at B.B. King Blues Club and Grill
237 W 42nd Street
New York, United States
Orignal From: BONEY JAMES
Saturday, May 28, 2016
Truth About Six Pack Abs: Questions To Consider When Buying One
If you are a serious dreamer of a perfect six pack abs, then you can surely never deny that you have heard Truth About Six Pack Abs number of times already. As a matter fact, you may also get into a plan of buying this despite the fact that you have never known this product enough. Yes, that situation can be understandable why but that should never be the right attitude in times like this. Remember that no matter how desperate you are from achieving that goal, you need to pay close attention on knowing every single detail about the product if you don't want to be flooded by regrets in the end.
You need to understand that no matter how desperate you are on achieving the abs that you want, there are a number of things you need to consider in the first place even when it comes to the Truth About Six Pack Abs, which is said to be one of the leading six pack abs program offered in the market nowadays. Remember that no matter how good people say about this, you need to know it by yourself to ensure whether or not those claims are true or not. To help you with this, guide yourself with questions and facts about this program.
Is the guide useful and effective?
When it comes to buying Truth About Six Pack Abs, the first thing you need to ask yourself is whether this guide comes as useful and effective as what it is written on many of its reviews or not. In this program, this question can easily be answered because as you can see, the program explains how you can get a six pack abs in detail particularly the things you need to do and what you need not to try when it comes in the achievement of this goal. Hence, you can be confident that you will never get into the wrong way with this anymore.
Not only that, you can also know its effectiveness through the diet plan he provided. The program crossed out the usual nonsense low-carb diet and have replaced balanced yet healthier nutritional plan for every six pack abs aspirants.
Is it full of hype?
Before buying this program, never forget about the issue of frauds. Remember, scams are scattered in every side of the market nowadays. However, the good news is, this program is different from them. Its full money back guarantee is a reliable sign that you have nothing to risk on this.
Truth About Six Pack Abs is a program that can be relied by anyone. However, to make sure that you won't regret in the end, ask questions and take some considerations before buying.
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Don't Forget Your Insurance When You Go Abroad
In choosing travel insurance, one must take note of its coverage. But what really is the essential coverage within the insurance? One of the important inclusions of travel insurance policy is medical and health assistance or sudden illness while you are abroad or in a foreign country. Next is 24/7 medical assistance, cancellation or cutting short trips, liability cover in case you damage a property or you cause injury and they sue you, loss of your luggage and other valuables. Many Insurers will provide you extension for your cover; all you have to do is to inform them. If not, you can search for a specialist policy.
Applying for travel insurance is easy and convenient. Companies or agencies that provide travel insurance offer them online for the convenience of their clients. It is featured on their homepage certain topic so that the client may be able to know and understand terms and agreements. Aside from that, they make sure that the client will fully access the step by step procedure in availing one. It is fast and convenient. For as long as the client's requirements are ready, applying online will be successful. With no much effort exerted, having travel insurance could be fast and easy through online application.
Travel Insurance covers important things when you or your family goes on a travel whether it is domestic or international. One of the reasons why you should avail travel insurance is because in the event that you encounter the need for medical assistance and it happened that you are in the foreign land, then travel insurance will shoulder the expenses if and only if it is included within the scope of the travel insurance policy. Another reason is that it also gives reimbursement for whatever expense that you have during the travel for as long as it is covered by the travel insurance. Lastly, if you encounter an event in which luggage are loss, you can have the value of your luggage back. It is very helpful that you have an insurance that will help you not to have head aching expenses in an event which is unexpected.
There are many kinds of travel insurances offered not only in your place but also online. With the mushrooming of many travel insurances nowadays, it will be very difficult for an individual to choose the appropriate travel insurance. Here and there, they offer a lot of things. In choosing travel insurance, you should make sure that it is appropriate for you and it suits your needs. First, you have to check out the travel insurance's policy paying particular attention to the pre existing medical conditions. If you are taking out a policy where other people are included, you should choose the kind of insurance that is suitable for everyone insured. Always be honest in dealing with appropriate travel insurance, observe your major interests to make sure that the insurance covers it in order to prevent future problem.
If you travel a lot and you have a travel insurance to back you up in times that you are in need of financial support while you are in the country, here are some guidelines you have to remember. Doing a homework before you leave can save you money at the same time leave you at comfort. Before you leave for abroad, you have to check closely the terms and agreements of the Travel Insurance that you avail in order to be aware of the different circumstance or situation where you can and cannot use your travel insurance. By this means, you will be capable of finding out the limitations, conditions and exclusions of the travel insurance. This is helpful because you will know about the steps that you have to make in utilizing your own travel insurance
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Foreclosures Re-Default Predictions
If you are looking to buy a foreclosed home, you may find yourself asking a lot of questions as to why the price is so low and also wondering what possibly could be wrong with the property that may have caused it to become foreclosed in the first place.
After missing one of your monthly payments once, the lender will more or less contact you at once either through phone or via mail.Are you looking for the right house for you, but do not want to go too much over your budget? The hunt for a house can be a lengthy process, and very time-consuming.
Many Foreclosure Prevention Groups have been predicting that foreclosure modifications will decrease the level of foreclosures by over fifty percent. The Irvine Foreclosure Listings shall suggest you some of the best options available in the city within your budget. And now the question arises "Why live in Irvine?"
In an auction situation, buyers should beware because these types of transactions can come with a lot of risks. You are purchasing a house as is, which basically means that you don't have an option for inspection and in this type of situation many people have not maintained their properties very well.
In April of this year, the government upgraded its Home Affordable Foreclosure Alternative, or HAFA, Program in an attempt to help homeowners with over-leveraged homes who are facing foreclosure. With so many homeowners locked into an adjustable rate mortgage, what happens when the rate resets?
The government has a good number of programs aimed at enabling people to own foreclosed homes for sale. The Housing and Urban Development through its Neighborhood Stabilization Program offer grants specifically for the purchase of foreclosures.
This is probably the easiest and best way to secure a financing for your home purchase. If you have generous family members, Fannie Mae, the government-sponsored-enterprise that offers low interest 30 year loans, recently changed its position on when someone who experiences Foreclosure can be eligible again to buy a house.
As I have been commonly 'on the fence' about HAFA and its promise as a solution or deception upon a devastated America, The economy is in a slowed down cycle which has turned many financial balance sheets bright red. Foreclosures, short sales, bankruptcies, and tax deed sales are more common than ever before.
When an investor or prospective homeowner is looking for an inexpensive route to purchasing property, a sheriff sale is a viable option. If you are a prospective home buyer you can reap some amazing benefits by investing in a suitable property through Los Angeles foreclosed homes. Known as one of the most diverse region in the world, Los Angeles has witnessed a large number of foreclosures which are now being sold at unbelievable reductions.
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lower mezzanine servants quarters - 5th floor - Mellon Building - Washington DC - 2013-09-15
lower mezzanine servants quarters - 5th floor - Mellon Building - Washington DC - 2013-09-15
Looking north along the lower mezzanine servants' quarters on the fifth floor (old Andrew Mellon apartment) floor of the McCormick Apartments at 1785 Massachusetts Avenue NW in Washington, D.C., in the United States. The structure is also known as the Andrew Mellon Building, for one of its most famous tenants. The flooring and moldings are all original to the building. The room at the end of the hall would have been the shared bathroom. The family corridor is to the left.
The structure was built by Stanley McCormick, heir to the International Harvester fortune. McCormick was mentally ill, however, and the building was largely built to the specifications of his wife, Katherine Dexter McCormick. The apartments were designed by Jules Henri de Sibour in the Beaux-Arts style common to the Dupont Circle neighborhood. Construction began in 1915 and was complete in 1917.
The building was designed to accommodate the very wealthy, as were most of the mansions and apartment buildings in the Dupont Circle neighborhood and north along Massachusetts Avenue NW. The plot of land was trapezoidal, posing some challenges to the typical symmetrical, boxy mansion design. De Sibor designed the entrance (on the northwest corner of 18th Street and Massachusetts Avenue) to pentrate the building in a northeasterly direction. Here, a circular tower formed the corner of the building and created a circular receiving area where visitors could shake off water-logged coats, remove galoshes, and alert the concierge as to whom they were visiting. Three short steps led into a small, square foyer where the concierge had a desk. From here, one could take the elevator up or take the winding staircase to the upper floors.
Because of the reception and foyer areas on the ground floor, the first floor was divided into two smaller apartments. The apartment to the left of the lobby was nearly identical in arrangement to that of the units above, but the one to the right was radically different in order to add baths, kitchen, bedrooms, and servants' quarters.
Each of the upper floors occupied an entire floor. The core of the building contained the staircase and elevator. Around this was wrapped the servants hall, kitchen, and servants' quarters. On the exterior of the building was the family living space. The facade facing the alley that ran along the east side and southeast corner of the building was undecorated. A narrow, unfinished rectangular courtyard pierced the building here to provide light to the servants' quarters and servants' hall.
The huge living room and somewhat smaller dining room ran the length of the building along Massachusetts Avenue NW. Behind the dining room (along the southeast corner alley) was the kitchen, and further back was the servants' hall (which served as a servants' dining room). Three foyers -- right, left, and ahead -- bracketed the elevator and stairwell, providing plenty of buffer space to keep visitors out of the apartment until they were wanted.
Along quieter 18th Street was a salon, two small bedrooms (with a shared bath), and a large bedroom (which occupied the brightly lit corner). Three small bedrooms ran along P Street NW. There were three bathrooms here, each shared by the bedroom next to it. These essentially created a long corridor on the P Street wall through which family members or guests could visit one another in states of undress without using the hallway. A public corridor ran along the inner wall of these bedrooms.
The inner core of the building consisted of a mezzanine set below the floor. The servants' hall, kitchen, dining room, living room, salon, bedrooms, foyers, and public corridors all had 14.5 foot high ceilings. The servants quarters were remarkably smaller, each just 10 feet wide and 15 feet long with only enough room for a twin bed and an upright wardrobe. All five servants' rooms shared a single bath. Ceilings here were just eight feet. Interestingly, the top floor had TWO mezzanines -- the normal one below, as well as one above. This gave the top floor apartment space for as many as 10 live-in servants.
The building offered many amenities: A central boiler system that provided both heat in winter and circulated cool water through the radiators in summer (to help cool things off); a central vaccum system (plug the hose into the wall, and use); refrigerated tap water; and laundry chutes. Each apartment had its own washing machines and drying racks in the basement.
The building had numerous famous residents. They included Stanley McCormick and his daughter, Katherine McCormick Judge, who lived here from 1917 to 1930 and from 1930 to 1933. Robert Wood Bliss, a State Department official, lived here from 1920 to 1923. He moved out to become ambassador to Sweden, and upon his return to the U.S. purchased the Dumbarton Oaks estate in Georgetown. (It is now a national historic site and museum housing his extensive collection of pre-Columbian and Byzantine art.) William Butterworth, president of John Deere, lived here from 1930 to 1931 when he was president of the U.S. Chamber of Commerce. Alanson B. Houghton, the former president of the Corning Glass Works, lived here from 1930 to 1934, as did Thomas Fortune Ryan (the onwer of the Belgian Congo diamond fields and an American robber-baron) from 1920 to 1922. Pearl Mesta, "the hostess with the mostest", lived here from 1931 to 1932. Her dinner parties and cocktail receptions were considered the most lavish and delightful of Washington society for half a century. Industrialist and banker Andrew Mellon also lived here from 1921 to 1932 while he served as Secretary of the Treasury to Presidents Harding, Coolidge, and Hoover. Mellon occupied the top floor. Most tenants paid a whopping ,000 a month to live there. (That's 5,000 in 2013 dollars!) Mellon paid ,000 a month. For a few months in 1936, Lord Joseph Duveen rented the apartment below Mellon's and placed 42 valuable oil paintings there for Mellon to look at. Mellon, an avid art collector, was expanding his collection to form the nucleus of what he hoped would be a National Gallery of Art. Duveen hired a caretaker for the temporary gallery, and gave Mellon access (day or night). After some months, Mellon purchased nearly all of the paintings Duveen offered.
The Great Depression led to widespread vacancies in the building during the 1930s. It was largely empty by 1940. In 1941, the building was seized by the federal government and turned into offices. The British Purchasing Commission (which obtained ships, guns, and ammunition from the U.S. during the Lend-Lease period prior to WWII) used it from 1941 to 1942, followed by the British Air Commission in 1948 and the Commonwealth Scientific Office in 1949. It stood empty for two years. Stanley McCormick died in 1950, and under the terms of his will the building was donated to the American Council on Education. The council used it until 1969. It was sold to the Brookings Institution (which is next door) in January 1970. Brookings rented out to a wide range of scientific, educational, and lobbying organizations. It was sold to the National Trust for Historic Preservation on October 28, 1976 -- at which point it was declared a National Historic Landmark.
In late June 2013, the National Trust sold the building to the American Enterprise Institute (a right-wing think tank) for .5 million. The Trust moved into leased space on the top two floors of the Watergate Office Building. The National Trust holds a permanent historic preservation easement that protects both the interior and exterior of the Mellon Building.
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