chrome hearts
balenciaga
asics

Sturgeon River Topo Map

Sturgeon River Topo Map

An exciting whitewater run through the rugged and beautiful Sturgeon River Gorge. Not to be confused with the two other major rivers in the state bearing the same name, this northernmost Sturgeon provides a challenging whitewater experience for advanced paddlers through some of the most remote and scenic wilderness in Michigan. Designated a National Wild and Scenic River, it runs through the 14,000acre Sturgeon River Gorge Wilderness Area, where it has carved a canyon out of red sandstone that is 13 miles long and up to 300 feet deep. The surrounding wildernessreportedly home to the elusive Sidnaw North wolfpackcontains sections of oldgrowth red and white pine and hemlock, as well as northern hardwoods such as sugar maple and birch. One of Michigans best whitewater kayaking routes, Sturgeon River is located near Covington, MI. Trails printable online topo maps offer shaded and unshaded reliefs, and aerial photos too! Use topographic map functionality to find elevation, print high resolution maps, save a PNG, or just learn the topography around Sturgeon River. You can also get free latitude and longitude coordinates from the topographical map and set your GPS. Subscribers with access to our maps can download or print any topo, and cover more terrain when you map your Sturgeon River route ahead of time.

Sedum Perennials

Sedum Perennials

Neat and compact, sedum perennials produce lovely blossoms for the spring and summer and attractive seedheads for the fall and winter. Plants grow from about 18 to 22 inches tall and do well in full and partial sun. Leaves are succulent and stems are sturdy. They mix well in beds with asters and Blackeyed Susans both in garden beds and landscape sweeps. Attractive to bees and butterflies, sedum perennials are easy to grow, tolerant of drought, and last long when cut for indoors.

The genus sedum is one of the Crassulacea order, hence the succulence of the leaves and stems. Although there are about 120 species of sedum, only Sedum acre Stonecrop figures into gardens. These Stonecrop sedum perennials are widely distributed across the United States.

Dragonsblood sedum is a fastgrowing groundcover with intense and deep red flowers. It forms a dense mat about four to eight inches high, and is very tolerant of both heat and drought and cold and humidity. Elizabeth Red Carpet reaches only three to four inches high and spreads about 24 inches. It is particularly appealing for bees and butterflies.

Showy Sedum Sedum spectabile, native to China and Korea, blooms starshaped musky pink flowers about a half inch across in dense flattopped clusters. These prefer full sun but accommodate partial sun also. They make excellent container plants and look particularly well in rock gardens. Sedum Angelina has golden yellow foliage and blooms in yellow flowers. A trailer, it prefers partial sun and sandy soil.

Quick primer on Chapter

Quick primer on Chapter 11

Reference in Legal issues by David Snead

A couple of my client customers have recently declared Chapter 11 bankruptcy. This unfortunate turn of events affects not only the party filing for bankruptcy, but also their suppliers. While bankruptcy law is outside the scope of a blog entry, there are a couple of pointers and lessons for hosting companies whose clients may file for bankruptcy. The automatic stay essentially stops collection of debts that predate the filing of bankruptcy. This means is that if your customer files for bankruptcy and they have a past due debt that is prior to the date of the filing, you can try to collect that debt. The definition of to collect is generally quite broad. So, you cannot turn off their account based on the prebankruptcy debt. This often means that you are required to provide services without getting paid.

This obligation continues as long as the contract is in force. For example, if you have a year contract and you are in month 6 of the contract when your customer files for bankruptcy, and you received payment in advance for the year, you must continue to provide services to the customer for the final 6 months. Even if you don get paid. Your obligation continues only as long as the contract is in force. Once the contract expires, you can generally terminate the contract.

Hosts who feel that their customers are teetering on the edge of bankruptcy, might consider altering the terms of their contract. For example if a customer begins to fall past due, and you negotiate with the customer about their account, you may want to offer to shorten the term of the contract. That way, if the customer files Chapter 11 bankruptcy, and owes you money, you are not obligated to provide them with services for such a long period of time.

It is important that you pay attention to notices of bankruptcy you receive. While it unlikely that a bankruptcy court will actually fine you for violation of the automatic stay for a $9.95 hosting account, you will save your company some legal fees if you don try to collect a prebankruptcy debt from a bankrupt client. Taking notice also includes ceasing all debt collection efforts, from having your accounts receivable department call the customer, to sending the debt out for collection.

Quick primer on Chapter

Quick primer on Chapter 11

Reference in Legal issues by David Snead

A couple of my client customers have recently declared Chapter 11 bankruptcy. This unfortunate turn of events affects not only the party filing for bankruptcy, but also their suppliers. While bankruptcy law is outside the scope of a blog entry, there are a couple of pointers and lessons for hosting companies whose clients may file for bankruptcy. The automatic stay essentially stops collection of debts that predate the filing of bankruptcy. This means is that if your customer files for bankruptcy and they have a past due debt that is prior to the date of the filing, you can try to collect that debt. The definition of to collect is generally quite broad. So, you cannot turn off their account based on the prebankruptcy debt. This often means that you are required to provide services without getting paid.

This obligation continues as long as the contract is in force. For example, if you have a year contract and you are in month 6 of the contract when your customer files for bankruptcy, and you received payment in advance for the year, you must continue to provide services to the customer for the final 6 months. Even if you don get paid. Your obligation continues only as long as the contract is in force. Once the contract expires, you can generally terminate the contract.

Hosts who feel that their customers are teetering on the edge of bankruptcy, might consider altering the terms of their contract. For example if a customer begins to fall past due, and you negotiate with the customer about their account, you may want to offer to shorten the term of the contract. That way, if the customer files Chapter 11 bankruptcy, and owes you money, you are not obligated to provide them with services for such a long period of time.

It is important that you pay attention to notices of bankruptcy you receive. While it unlikely that a bankruptcy court will actually fine you for violation of the automatic stay for a $9.95 hosting account, you will save your company some legal fees if you don try to collect a prebankruptcy debt from a bankrupt client. Taking notice also includes ceasing all debt collection efforts, from having your accounts receivable department call the customer, to sending the debt out for collection.

Penmanship Meets Body Worn Cameras

Penmanship Meets Body Worn Cameras

Just about everybody carries around a pen these days, right? If youre a guy, you probably have one in your shirt or jacket pocket. If youre a gal, you inevitably keep one in your purse. A ballpoint pen that happened to be sitting on a desk, table, bookcase or where ever, certainly wouldnt cause anyone to even bat an eye, or give it a second thought.

So who would suspect that that handy, commonplace pen is actually one of a variety of body worn cameras? But this camera doesnt take still pictures; it actually transmits continuous video and can operate in minimal illumination, sending a high resolution video picture record to a security monitor, VCR or TV that is up to 60m away in full living color.

A simple click of the top of the pen and you are in business. No one would suspect that innocent looking pen riding in your shirt pocket or sitting in your desktop organizer, of having a pinhole camera in it, especially since you dont even have to touch it once youve clicked it on. And the great part is that if someone were to pick it up and use it, it actually writes just like a normal pen.

Another version of these unique body worn cameras offers continuous video in high resolution black and white. They come in black or gold and are, again, actual working pens. The wireless versions come with external transmitters that can easily be hidden in a pocket or handbag, and the battery packs are also external..

Naturally Inducing Labor at Home

Naturally Inducing Labor at Home

As your due date approaches, you may be wondering about naturally inducing labor. Selfinduced labor is common among women whose due date is nearing or may have already passed. Induction of labor should never be attempted unless there is a medical reason before 38 weeks. You should also make sure your care provider approves your attempts. Once you have the goahead from your physician or care provider, you can try these methods.

Your care provider has medical induction techniques if your baby needs to be born for medical reasons. Medical reasons include going postdates, gestational diabetes, preecclampsia and other complications. The four common medical induction techniques are pitocin, cervical ripening agents, inserting a foley catheter into the cervix and amniotomy or artificially rupturing the membranes. All of these techniques carry risks you should go over with your care provider. At the same time, you may also want to discuss how to naturally induce labor he or she may suggest additional techniques that arent listed here.

If theres not a medical reason to induce labor but you have gone beyond your due date, there are many natural ways you can try on your own or with your partner, or for which you can ask for assistance. These can be performed at home, when youre relaxed and ready, and will help you have a better overall childbirth experience. Inducing labor at home is a lowstress way to begin the birthing process.

In any case, since the methods listed below are natural and many of the activities are fun they are often much less stressful on your body and mind than the medical induction techniques. Again, dont forget to check with your doctor first! Then you can feel comfortable about trying any of these ways to go into labor.

Sex. If you want to know how to induce labor naturally and enjoyably, you cant go wrong with sex! This is the most wellknown induction technique because it works the best. Semen contains natural prostaglandins cervical ripening agents that can help your cervix ripen. In addition, these activities are relaxing, and relaxation is one of the easiest methods of natural labor induction. You may have to use some imagination, as most women are very uncomfortable having sex during the last stages of pregnancy, but the effort might have you meeting your baby sooner rather than later.

Movement. Movement such as walking, skipping, lunging, swimming or swinging on a park swing can help. It is believed these activities help the baby rotate into a good position for childbirth. Taking a bumpy car or train ride but not too bumpy! also has the same advantages and is one of the most common methods to self induce labor.

Relax. If youre wondering how to go into labor, this is really the simplest way. The more you stop obsessing over when your baby is coming, the more likely the process will start. Labor will not begin in a stressed body.

Foods. Everyone has a favorite food that they claim will start labor. Spicy foods like pizza or sausage can help, but only because they irritate the bowels. Personally, I do not recommend this method because it can cause heartburn, cramping and diarrhea and who wants those things when labor begins? If youre looking for ways to induce labor at home, there are many easier, more pleasant methods you can try.

Fruit. Tropical fruit like pineapple, mango and kiwi actually contain an enzyme that may help tone your cervix. This fruit will probably not start labor, though with a toned cervix, early labor may go a little faster.

Talk to Your Baby. Some cultures believe that babies that have not been welcomed will not come into the world. It sounds silly, but talking to your baby and making them feel welcome may bring on labor.

Acupressure and Chiropractics. Some acupressure and chiropractic techniques can start labor. Talk to your care provider, friends or check the internet to find a practitioner in your area. Its crucial that you find one with experience and who knows how to induce labor safely.

Castor Oil. Castor oil is an old technique that is not recommended anymore. It does the same thing spicy foods do it irritates the bowels. It can also cause nausea and is pretty disgusting to ingest. In addition, castor oil rarely works.

Herbal Supplements. Herbal supplements like evening primrose oil EPO, black and blue cohosh, red raspberry leaf tea and nettle tea are not recommended unless you have the permission of an herbalist or your care provider. Dosages for these supplements have not been determined, and taking too much can cause serious complications, including death, for your baby. When my friends ask me how to induce labor at home, I never recommend these methods.

How To Take The Stress Out Of Networking And Get Better Results

How To Take The Stress Out Of Networking And Get Better Results

Do you find networking difficult or stressful? If so, you not alone. Many business owners barely tolerate or even actively dislike networking because they find it challenging. And generally, they also fed up with their lack of results.

Have you ever felt like you being sold to as if everyone is pitching to you? Perhaps you had someone zero in on you as if you had a giant target bull eye painted on your chest. I bet you have. And how did that make you feel? You wanted to run in the other direction, didn you?

Now consider this If your idea of networking is pitching your service or product to as many people as you can, you taking the stance. Trying to find clients while networking turning people off and it not likely to help you with making sales.

The good news is there is a better way. There no need to turn your networking into a fest or to make people uncomfortable with your unsolicited sales approach. Instead of viewing your prospects as prey something to hunt, why not view them as interesting people to meet? Once you focus less on the sale and more on getting to know people, you feel less pressure, and the experience will be much more pleasant.

But what about the sale, you may wonder. Well we get to that in a little bit.

First, let look at some ways to reduce the pressure even more:

1. Not just at networking events

You don HAVE to limit your people meeting activities to just formal networking events. Instead, be open to meeting people anywhere and anytime. Once you stop feeling pressured to meet as many people as possible before the hour is up, you be much more likely to actually connect with them and make a positive and lasting impression. After all, you can meet people 24/7 anywhere you go!

2. Stop thinking about making a sale

Yes, I said that! If you feel that you HAVE to make a sale, you naturally feel stressed. In fact, not only does that place a lot of pressure on you, but it also pretty much guaranteed to fail. So there you are, trying to make a sale that you know is really likely to fail. No wonder you not enjoying yourself. And the less you enjoying meeting people, the less successful you are in meeting them.

Ever been in a retail setting where the sales person you talking to is constantly scanning the shop looking for better prospects. Doesn feel good does it? Well, you don want to be that sales person.

3. Stop playing the numbers game

Whether or not you making a sale, you also probably trying to make the most of a networking event by making contact with as many people as possible. Some people act as if they could win a prize for gathering the most business cards in the shortest amount of time. And maybe they can, but that not the prize that likely to get you more clients.

Instead, focus on the quality of the connections you make. Focus on building quality relationships with a few select people instead of shaking as many hands as possible.

This is truly the case where less is best yes, I said that too! It taken me years to figure this out. I know it seems counterintuitive, but when you have fewer yet higher quality connections you more easily be able to do a meaningful follow up, be remembered and gain a valuable connection not just a meaningless business card.

But what about the sale? I found that when you really connect with people and get to know them, they much more likely to refer or buy from you than when you push for the sale up front.

After all, people buy from people they know, like, and trust, so once you given them a way to know, like, and trust you, they be more open to buy from you or recommend you when they or someone they know needs the kinds of services you provide. Read our full Terms of Service.

About Sue Clement

Sue Clement stands for expedited business success. Having built a local business into a multimillion dollar enterprise, Sue is an expert in marketing, sales, and customer service.

As a certified business coach since 2000, she currently works with a diverse group of entrepreneurs and small business owners and helps them build powerful networks to leverage their business success. Ask for a complimentary consultation to explore how Sues programs can increase YOUR sales and expedite your success!

How To Take The Stress Out Of Networking And Get Better Results

How To Take The Stress Out Of Networking And Get Better Results

Do you find networking difficult or stressful? If so, you not alone. Many business owners barely tolerate or even actively dislike networking because they find it challenging. And generally, they also fed up with their lack of results.

Have you ever felt like you being sold to as if everyone is pitching to you? Perhaps you had someone zero in on you as if you had a giant target bull eye painted on your chest. I bet you have. And how did that make you feel? You wanted to run in the other direction, didn you?

Now consider this If your idea of networking is pitching your service or product to as many people as you can, you taking the stance. Trying to find clients while networking turning people off and it not likely to help you with making sales.

The good news is there is a better way. There no need to turn your networking into a fest or to make people uncomfortable with your unsolicited sales approach. Instead of viewing your prospects as prey something to hunt, why not view them as interesting people to meet? Once you focus less on the sale and more on getting to know people, you feel less pressure, and the experience will be much more pleasant.

But what about the sale, you may wonder. Well we get to that in a little bit.

First, let look at some ways to reduce the pressure even more:

1. Not just at networking events

You don HAVE to limit your people meeting activities to just formal networking events. Instead, be open to meeting people anywhere and anytime. Once you stop feeling pressured to meet as many people as possible before the hour is up, you be much more likely to actually connect with them and make a positive and lasting impression. After all, you can meet people 24/7 anywhere you go!

2. Stop thinking about making a sale

Yes, I said that! If you feel that you HAVE to make a sale, you naturally feel stressed. In fact, not only does that place a lot of pressure on you, but it also pretty much guaranteed to fail. So there you are, trying to make a sale that you know is really likely to fail. No wonder you not enjoying yourself. And the less you enjoying meeting people, the less successful you are in meeting them.

Ever been in a retail setting where the sales person you talking to is constantly scanning the shop looking for better prospects. Doesn feel good does it? Well, you don want to be that sales person.

3. Stop playing the numbers game

Whether or not you making a sale, you also probably trying to make the most of a networking event by making contact with as many people as possible. Some people act as if they could win a prize for gathering the most business cards in the shortest amount of time. And maybe they can, but that not the prize that likely to get you more clients.

Instead, focus on the quality of the connections you make. Focus on building quality relationships with a few select people instead of shaking as many hands as possible.

This is truly the case where less is best yes, I said that too! It taken me years to figure this out. I know it seems counterintuitive, but when you have fewer yet higher quality connections you more easily be able to do a meaningful follow up, be remembered and gain a valuable connection not just a meaningless business card.

But what about the sale? I found that when you really connect with people and get to know them, they much more likely to refer or buy from you than when you push for the sale up front.

After all, people buy from people they know, like, and trust, so once you given them a way to know, like, and trust you, they be more open to buy from you or recommend you when they or someone they know needs the kinds of services you provide. Read our full Terms of Service.

About Sue Clement

Sue Clement stands for expedited business success. Having built a local business into a multimillion dollar enterprise, Sue is an expert in marketing, sales, and customer service.

As a certified business coach since 2000, she currently works with a diverse group of entrepreneurs and small business owners and helps them build powerful networks to leverage their business success. Ask for a complimentary consultation to explore how Sues programs can increase YOUR sales and expedite your success!

Powder Coating techniques Tips

Powder Coating techniques Tips

Powder coating is the youngest of the surface finishing techniques that is still in use today. It was first used in 1967 in Australia by Allan Davies.

Powder coating is the simple technique of applying dry paint to a part such as metal or plastic, and after the final coating is the same as a finished 2coat wet paint job. Powder coating can be applied in two ways; either by lowering an item into a bed of powder which may or may not be electrically charged, or the powder paint is electrically charged and sprayed onto the part. After being coating with dry paint, the part is placed in an oven and the powder particles melt and combine to form a permanent layer of paint.

There are two main types of powder available to use, either the thermoplastic powder which remelt when heated, and thermosetting powders that will not remelt when heated. This is because during the initial heating process a chemical crosslinking reaction is triggered so that the bonds cannot be broken.

The foundation of any highquality coating job is preparation. Most powder coating failures are linked to a poor preparation process. It is important to know that the preparation treatment is different for different materials.

For all applications the preparation treatment for aluminum is to clean, rinse, etch, chromate, rinse and denim rinse. Oils and greases can be removed by weak alkali or neutral detergent solutions and the surface is etched to remove heavy oxides. After rinsing, the aluminum is dipped into a chromate or phosphate solution to form a adaptation coating. After rinsing the aluminum it is rinsed in demineralized water which gets rid of chemical salts on the aluminums surface. This process has two functions which include giving the aluminum a surface which is better for adhesion and protects the aluminum from under the paint corrosion.

If you are preparing a steel part, the steps you take to prepare your part are as follows: clean, rinse, etch, rinse, grain refine, zinc phosphate, rinse and acidulated rinse. The grain refiner is used after acid cleaning of steel surfaces and before zinc phosphate, because otherwise the zinc phosphate coatings produced will be very coarse and have a low adhesion ability. The etch is required to remove the zinc corrosion products which begin to form almost immediately the zinc is removed from the galvanizing kettle. The grain refiner ensures a fine phosphate is produced..

My Yugoslav Or Serbian Heritage Food Memories

My Yugoslav Or Serbian Heritage Food Memories

from Yugoslavia in the very early 1900s. I understand now that Yugoslavia was a union of countries at the time, but the area where my grandparents came from was Kucur, Backa, in the province of Vojvodina, in what is Serbia, today. My Yugoslav, or Serbian, grandparents lived on a farm in rural Ohio. They had chickens, so eggs were plentiful. They grew crops. They lived far differently than my Mom town people during the Depression and World Wars. My Mom recalled that early in her engagement with my Dad, she went over to his parents house after church one Sunday, for breakfast. She was appalled that Grandma had more than 13 eggs in a bowl, to make scrambled eggs. She felt it was nearly obscene to have that many eggs for a family of five. That brought home to me the huge differences between town and country in those times.

I really never knew my grandpa as he passed on before I was 2 years old, but I recall my Yugoslav Grandma most for her desserts. There was no one better. It was her one hobby, for lack of better word. She made strudel from fine flaky dough similar to phyllo and filled with poppy seed, nuts or cheese. She made Kifli, flaky little pastries that were rolled out into squares and filled with things like Prune Lekvar, ground poppy seed filling and apricot filling. Work in the lard and butter as for pie dough. Add egg and cream and work with hands until the dough pulls from sides of the bowl. Do not over mix.

Sprinkle your work area with powdered sugar and roll out a portion of the dough. Using confectioners sugar to roll the dough is important as adding more flour would toughen the dough. Cut rolled dough into 3inch squares.

Fill these small squares by placing a scant teaspoon of filling of your choice in the center. Bring up opposing corners, dampen the edges with milk or cream and pinch together, then fold the pinched piece over. Bake on parchment lined cookie sheets for 15 to 18 minutes at 375 degrees. Bottoms will be golden and tops will just start to become golden color. Remove from oven, place on a rack to cool and sprinkle with more confectioners sugar.

Makes about 100

Grandma made so many pastry varieties, and unfortunately the Kifli is one of the few to survive as a recipe in our family. I never learned to make the strudel dough, though I recall as a child, watching Grandma quickly manipulate a small ball of dough into a paper thin piece that covered the entire tablecloth covered kitchen table and hung down over the edges for at least another 8 10 inches. This was an amazing feat I can recall to this day. She would sprinkle on the poppy seed mixture or apple mixture and then coax the dough up and into a very long, loose roll. Placed on a cookie sheet in a large coil, she baked this confection, and sprinkled it with powdered sugar. Grandma cooked and baked back when cooking with lard was an everyday occurrence. And now, once again, lard has come into vogue.

Grandma also made many different foods for Easter or Christmas. Beets with Horseradish for Easter, and a cheese like ball made with eggs and milk, she called Siretz. She made Bobalky at Christmas, and thankfully that recipe was passed down to us. She made the most fantastically flavorful soup, sometimes with beef, sometimes chicken and sometimes with both together. She made her own noodles to use in the soup. She made a tomato sauce she called Machanka to eat over the meats from the soup. What made the soup so very memorable to me was the saffron. The smell, the color, the way the smell of the saffron in the soup permeated the house when we walked in. The love of saffron is a legacy from my Grandma, to this day. I am so grateful to her for the wonderful flavors and memories of foods passed down from her Yugoslav, Serbian heritage.

Thank you for taking the time to read my article. I hope it was informative and helped you along your own culinary journey. You will find many more recipes and helpful tips on my web site. Many people have asked what A Harmony of Flavors means. Have you ever had a meal where the visual presentation was stunning, the smells were incredible, the taste was so remarkable that you ate slowly savoring every bite, wishing the experience would never end? Then you have experienced what a truly harmonious meal can be like.

My passion is to teach people how to create a Harmony of Flavors with their cooking, and help pass along my love and joy of food, both simple and exotic, plain or fancy. I continue my journey in ethnic and domestic cuisines, trying new things. I would love to hear from you, to help me continue my journey to explore diverse culinary experiences and hopefully to start you on a journey of your own.

Media Production

How To Kill Grass

How To Kill Grass

Gardening is one activity that has many advantages. It is therapeutic and effectively reduces stress. Especially now that life has become more fastpaced and demanding, gardening offers you the chance to actually relax and smell the flowers. However, those who take this hobby pretty seriously face one common nuisance grass. While herbicides abound in the market, it would be good to consider alternative and earthfriendly ways to kill grass. This way, you avoid damaging other plants and beneficial insects in your garden. You are assured that no harmful petrochemicals will harm you and your family as well. Here are some green tips to effectively kill unwanted and unsightly grass in your garden.

1. Grow more plants in your garden.

Grass grows in gardens that have empty spaces. Regularly pull out stubborn grass by hand and grow more plants in your gardens empty spaces to eliminate unwanted weeds or grass. You may want to try groundcover plants like ornamental mosses. This will effectively catch dew drops so your garden will not need frequent watering. The mint plant as groundcover is another option you may want to try. Not only will it help eliminate grass but also give a therapeutic and fragrant smell in your garden.

Salted water is another very effective and safe way to kill grass. However, this method should be used as a last resort. Salt permanently kills plant life, even earthworms. So be very careful in administering it. Spray it directly to the grass and avoid putting too much on the ground.

Gardening is one activity that can be taught to our children. Not only will they experience the thrill and sense of fulfillment when harvesting the fruits of their labor, but you get to impart a more important lesson, the love and care for our environment.

Oriental Bank of Commerce iBanking Login

Oriental Bank of Commerce iBanking Login

You can also apply for an Oriental Bank of Commerce iBanking online account here. Once you have an Oriental Bank of Commerce account onine, you wil be able toview your account details. You will also be able to view your statements online. You can also transfer funds within in your own accounts or to other account. Youcan also pay your bills online.

Tips on buying a new radialbohrmaschineWeb Hosting Is Simple With These Informative IdeasUsing Technology As A Unique Blogging BaseMuscle Building Secrets The Pros Dont Want You To KnowThinking Of College? Read These Useful Tips!Aneurisma de aorta abdominal and aneurisma de aorta torcico Make Your Kitchen the Highlight of Your House with Kitchen Remodeling ServicesAllergy Tips That Will Improve Your LifeGet to know the mortgage rates Colorado to make your dreams for a new home come trueOn Hiring a Prestige Limo Coach in Oakville for Your Next Party

Olympus C

Olympus C50

When comparing digital cameras, many people assume that the higher the number, the better the camera. A series 7000 digital camera must be better than a series 5000, and so on. This is not always true, however. The C50 by Olympus is one of the best cameras on the market. It has all the advanced features you expect from Olympus, and is remarkably easy to use.

The C50 and Legendary Olympus Quality

When you look at a C50, you know right away that it is an Olympus. It has that stylish look about it that has become an Olympus trademark. The silver look of the all metal body always attracts attention. Olympus puts as much care and consideration into its cameras look, as well as how it functions.

What Olympus puts into its camera is only the finest components. Olympus did not earn its reputation as one of the worlds top camera manufacturers for nothing. Each component is top of the line and assembled with precision and care. The metal casing Olympus uses is not only for style, but it protects the intricate mechanisms from damage and weather. Few other cameras are as durable as Olympus.

The C50 is one of Olympuss best. It is a five megapixel beauty that takes incredibly realistic pictures. Its optical and digital zooms combine for a total 12 times seamless zoom capability. You can choose to use the cameras auto settings or adjust it manually for a more personal touch. Compare prices online if you want to find better deals than at your local electronics store.

Identifying Kansas Snakes

Identifying Kansas Snakes

Identify the gopher snake by its length. This is the longest snake that can be found in Kansas, with some capable of being 7.5 feet in length. Look for a pattern of brown or black blotches against a brownish yellow body, with the tail region having black and yellow bands. Dont be alarmed by the gopher snake when it makes its loud hissing noise, since it is only a sign that it is frightened. Never harm one, as this snake consumes rodents such as gophers and ground squirrels, which damage crops.

Identify the water snake species in Kansas by their environment. Marshes, swamps, slowmoving rivers, ponds and lakes in Kansas are where you may encounter these types of snakes. Most stay close to the water, with the lone exception being the plainbelly water snake, which has a creamcolored underside. The diamondback water snake, the northern water snake and the Grahams crayfish snake will be much closer to a wet environment, feeding on frogs, fish, insect, and crayfish. All these snakes are harmless and between 4 and 5 feet long. The lone venomous water snake in Kansas, the cottonmouth, lives in small numbers in the very southeastern tip of the state and will coil up and expose the white lining of its mouth when it is in danger.

Identify the three rattlesnake species in Kansas by their trademark rattle. Each of these snakes will have a rattle at the end of its tail, which it employs to warn off potential threats. The timber rattler is the longest of Kansass rattlesnakes at about 5 feet, while the massasauga is barely 3 feet long and has a smaller rattle. The prairie rattler is less than 5 feet long but has a more noticeable rattle. Realize that even though these snakes are venomous, there has been just one confirmed death from snakebite in Kansas since 1950, and the rattlers will look to flee when approached.

How Turtles Behave

How Turtles Behave

An unhappy turtle becomes very lazy in its conduct. It will withdraw into its shell, physically and emotionally. It will remain quietly unobtrusive for minutes or even hours.

Semiaquatic turtles like to swim and to bask. When swimming, they look busy but synchronized. They may take a few minutes out from swimming to rest quietly on the bottom of their tank or to walk slowly along searching for prey.

North American wood turtles find their earthworm meal by stomping. For doing so, they raise the shell high above the ground on extended legs, then collapsing against the moist earth. Females are very much sure about finding the needed amount of ground moisture and temperature when searching for a nesting site. Some of the turtle species gather together a mound of vegetation for the nesting site. Although some turtles choose to dig a body pit with the forelimbs, the nest itself is dug with the hindfoot.

After finding a proper place for nesting and making proper arrangements for the eggs to be laid, the turtle lays their eggs. They cant guard these eggs from predators and so a very few of them actually live.

mails using Internet Explorer and Netscape Navigator

mails using Internet Explorer and Netscape Navigator

You can send, receive, read and write email within Netscape or Internet Explorer. To reduce costs, it is always best to read and compose your mail offline. Here how to set up and use your brower email facility

IN NETSCAPE 4.0:

After you have collected the messages, you can disconnect from the Internet and read them offline. You can also click NEW MESSAGE and write mail while offline. Just choose SEND LATER from the file menu. When you get back o you can send your messages.

IN MICROSOFT INTERNET EXPLORER:

Click the MAIL icon.

Choose READ MAIL from the resulting menu.

In the resulting box, click o MAIL from the menu and choose OPTIONS.

In the resulting OPTIONS box, click o SERVER.

Enter your name, email address and also under OUTGOING MAIL.

Enter your name, email address and also under INCOMING MAIL.

Click SEND AND RECEIVE MESSAGES. Your messages will appear.

You can disconnect from the Internet after receiving your mail and read it offline. You can also compose mail offline. When you reconnect, you can send your messages.

Attaching Files to Your EMail Messages

It easy to share documents, photos, and even music with your friends and family via email. No matter if you using Netscape, Internet Explorer, Eudora, Pegasus or another email application, these instructions will apply:

Make A Perfect Persoanlity

Make A Perfect Persoanlity

It has been rightly stated that personality is to perceive your on self or perceiving others self to know others personality traits. However, as human minds are complex they have a mind sets which makes every individual different from each other in terms of personality. Your personality reflects how you think, what you like, why you say so etc etc. Every small detail that you display about your inner self become part of your personality.

Have you ever noticed that how you admire the personality of another colleague and how a team works with its members having all different personalities? Well, its now where you can put a little ponder not on others but your personality and its development. A good personality will always vibrate positivism where ever he/she goes, revealing freshness or a pleasant feeling altogether. But a man with a poor personality represents just the vice versa. It has been pointed out by psychologists that a poor personality is formed out of a fear syndrome. This syndrome prevents him from opening up freely and righteously which further prevents his promotion up the ladder of success.

Let us make this discussion specific by focusing on personality development which should be the area of concern for all men. Let us examine stepbystep how to remake your personality:

Lack of confidence is one of the major problems that put hindrance to a positive growth of personality. You feel confident only when you have a good track record or some achievements in your past. If you dont, try taking easier and simpler tasks initially than jumping into bigger and difficult task that would weary you out with a sure failure. Always remember your experience will help you to move up which can slow but thats steady.

At times, when you are extremely stressed out you tend to lose patience, get irritated or have low confidence over your abilities. At this point of time, its most important to destress yourself before you take up any further task. Taking a short trip, relaxing a day out with your family/friends or simply with yourself can be refreshing, or you can spend some time at your gym or perform some destressing yoga.

One of the major factors that play a role in having low confidence is that we dont acknowledge our success or achievements in a right way. Or we take our goal too large as an entity that a failure falls too hard on us. We fail to accept the lessons learnt out of that failure or our smaller achievements we had as an experience. If you try to view things objectively and acknowledge your smaller skills gained, then life becomes an exciting text book! However, even if you cant get over it, try out these few simple tips:

Break your task into smaller bits and gradually look into the next step once the step previous step is achieved.

Congratulate yourself when you won one step and feel good about it! If you fail in any, look out for the errors and correct them before going to the next. Keep every step under your strict vigilance.

Reenforce your overall confidence by continuous practice. Do a lot of selftalk. This releases the built up tension and gives the courage to carry on.

Improve Your Telephone Skills

Improve Your Telephone Skills

I have to admit I really dont like the telephone. Maybe it is because it is an interruption in an already overscheduled world. Even if it is someone I really want to talk to, it sometimes feels like a chore to be nice! With the amount of spam phone calls I still seem to receive, even after being on the Do not call list, I must admit I make assumptions when I pick up the phone. If there is a nanosecond of a pause when I pick up the phone, I immediately assume I am on someones computer list just waiting to pounce if they here a real person on the other end of the phone.

However, when I am initiating the call I really want another human on the other end of the line. I dont want to be put in voice mail jail and being warned that the phone calls are taken in the order they are received and if I hang up and call back I may be waiting until doomsday to get to someone. I must admit I have stayed on the line if you have a rotary phone for the next available agent; not really remembering when I last SAW a rotary phone. Want to have a real laugh? Ask a teenager what a rotary phone is. It will either make you laugh or maybe cry at their response!

No matter which type of phone caller or business owner you happen to be, this communication tool, no matter how big or small is here to stay. It is important to know how to use it efficiently and effectively. With so much cell phone usage, right or wrong, that adds another dimension to the mix.

Regardless how fancy your Bluetooth, or cell phone or rotary phone with, heaven help us, a cord, is, it is important to address and put into practice, correct phone techniques.

I challenge businesses to think that every time their phone rings, it is their paycheck calling. I also challenge businesses to look at their phone with as much respect and interest as they look at their merchandise, their marketing, and their employees; it is a reflection of their brand. Dr. Janelle Barlow, in her book, Branded Customer Service says, Reinforcing a brand through every customer touch point, therefore, can provide the repetition necessary to inspire repeat purchasing decisions.

She also spends a great deal of time discussing being on brand or off brand. In other words, you may say in your advertising literature and in store signing that the customer is number one, but if your customer can never get someone to answer the phone when they call, then your standards for answering the phone are off brand.

When you think about your phone calls that way, you are more apt to answer the phone with a little more expectation in your voice rather than disgust. If you train your employees to do the same, you will start looking at your phone as a sales building tool. There are interesting statistics that show people develop a perception about you within the first 30 seconds of a phone conversation and their final opinion of you in the last 30 seconds. Lets look at some phone tips that will boost that final opinion to one of an ongoing, on brand, positive relationship!

1. Breathe! Before you pick up the phone, take a deep breath. Most of us are what they call shallow breathers. We take small breathes in and out and therefore, sound tired when we answer the phone. The goal is to sound like you like your job and you are glad they called.

Practice taking a very big breath and answering the phone at the top of that breathe. You will continue speaking on the exhale of that breath and the caller will hear energy in your voice! You can also practice it when you are making a call and start your breath as the phone is ringing on the other end. Youll be surprised how you feel when you use this technique. You may try it the next time your motherinlaw calls!

2. Identify yourself. Give your full name and function and or the name of your company. Since they have taken the time to call you, you may answer the phone this way; Thank you for calling Merchandise Concepts, this is Anne Obarski, how can I make it a great day for you? Hokey, maybe; memorable, maybe; friendly, you bet. Since I have an unusual last name, this helps me say it first so that the caller doesnt have to fumble with the pronunciation. One tip that I seem to always repeat, is that of slowing down when you answer the phone or when you call to leave a message. How many times have you had to replay your answering machine to understand what the person was saying or the phone number that rattled off too fast?

3. Be Sincere. If we are honest with ourselves, we are all problem solvers in some way. People call us on the phone to have a problem answered. Whether it is to get driving directions, or hours of operation or questions about our merchandise, they have a question and want it answered quickly, intelligently and politely.

It is important to put the customers needs ahead of ours. Have you ever been in a store and you were just about ready to put your things down on the counter to pay for them and the employee says, Youll have to go to another register, I am going on break now. A customer will remember how attentive you were to their needs when they are asked to make a referral!

4. Listen attentively. Put everything down when you answer the phone! Easier said than done, isnt? How many times have you been in your office answering email, talking on the phone, listening to your ipod and sipping on a Starbucks? Me too. Shame on us. Customers dont like to be ignored and by multitasking, we are not focused on the customers wants and needs.

Visualize the person, even if you dont know them so that you remind yourself you are engaged in a twoway conversation. If you still have trouble listening, start taking notes on what they are saying. Use a headset if possible, to keep your hands free. By taking notes you can verify with them as well as yourself, the important points of the conversation and the action items that needed attention.

5. Outcome. If the phone call has been successful, the first 30 seconds established a positive perception about you through voice, and tone and focus. The last 30 seconds will be when the caller finalizes their opinion about you. You can make that a positive experience by thanking them for calling, reviewing the problem you were able to solve and then most importantly, thanking them for their continued business.

I find myself on airplanes frequently with my speaking schedule. Recently I have noticed that no matter what airlines I am flying that the pilot has air time with the passengers on each flight. The words are all about the same. They share the weather in the city we are headed to, the time we should be arriving, the details about the lavatories and not to congregate in the aisles, as well as the great flight attendants, and then they always say something like this, We know you have a choice when you travel and we are happy that you have chosen to fly with us, and we appreciate that. We ask that if your future travel plans involve flying that you will think of us first. So sit back, relax and enjoy the ontime flight to wherever.

The pilot set up the outcome in the passengers minds by stating it up front. He started by building a trusting relationship with the passengers that he couldnt see, by coming across as very approachable. Then he told us the important things we should know about the flight and who would help us if we had a problem and then in conclusion, he asked for our repeat business. Trust for me is built on the sound and the sincerity of the pilots voice.

That isnt that much different than when your employees talk to your customers. To build a strong business, you need to have repeat and referral business. What easier way than to ask for their continued business at the end of each and every phone call.

The way you speak over the telephone conveys 85 percent of your message, so by focusing on the previous 5 tips you and your employees can make it a smooth flight in your business each and every time your phone rings.

How You can Pick up Women using Alpha male trait of Leadership

How You can Pick up Women using Alpha male trait of Leadership

Picking up women is easy if you use alpha male traits of leadership. In many places people notice that men who are leaders usually date a lot of beautiful women but they do not seem to know why the leaders are able to pickup women while other guys find it difficult to get a date. Let us now discuss some alpha male traits of leaders which can help guys to successful pick up women.

If you want to be able to pick up women you have to be good in communicating with women. All leaders are good communicators. Many guys do not know how to keep a woman engage in a discussion long enough to make the woman start feeling that they are friend to her. Good communication with women involves that you talk about what interest women generally and what will interest the particular woman you are talking to. This means that when you are talking to a woman you need to listen deeply to her to know what is of concern to that particular woman and adjust your conversation in that direction. At the end of the conversation she will be wishing to see you again and will readily give you her contact details for a date. But many women are complaining that men are not really in a conversation with them when talking to them because the man may not be listening or maybe doing negative communication. By always spending a little time to listen to programs that women needs are discussed, you will know what to discuss with them. If you are a good communicator you will be a friend to women and women will find it easy to date you.

To be able to pickup women you need to be calm both internally and visibly. Even in a very tense situation which you can find yourself because you are trying to pick up a girl you but you find out that you are in the middle of plenty girls, you still need to be calm to be able to handle the situation. There are times when you are talking a girl who may want to make your angry and she is totally rejecting you, you should be calm to read the situation well and respond accordingly. When a girl is listening to what you may be saying, you may start getting nervous and not know what to talk about. You should prepare in advance how to handle bad situations that you may come across as you try to pickup women. If you can anticipate the worst reaction of women in advance, you can plan ways to turn a bad situation into a good one. This is possible if you are the type of man who is not concern about what other people are thinking about him. Always practice deep breathing when you talking to a woman and you notice that you are getting nervous.

All women can tolerate certain character flaws in men but they cannot tolerate a man who lack of self confidence. A man who lacks self confidence can never date very beautiful women. When many men see a beautiful woman, they immediately assume that they cant date her. If you think that you can never date a woman, then you will not approach her and even if you try to approach her, you will start getting shaky and the lady will see you as one of those men who are not yet able to date women regularly. To help you build your self confidence, remember the women who has liked you in the past or who have even started a conversation with you. This will make you to know that you are a great guy who some women will definitely want in their life. If you are always taking with beautiful women you will find out that you will be able to pick up some even from normal conversation. So the ability to pick up women using self confidence lies in your ability to start talking with women as soon as you see them and your self confidence will grow from there.

By using these alpha male traits , many men who are leaders in their environment and careers are successfully picking up women and getting dates.

How You can Pick up Women using Alpha male trait of Leadership

How You can Pick up Women using Alpha male trait of Leadership

Picking up women is easy if you use alpha male traits of leadership. In many places people notice that men who are leaders usually date a lot of beautiful women but they do not seem to know why the leaders are able to pickup women while other guys find it difficult to get a date. Let us now discuss some alpha male traits of leaders which can help guys to successful pick up women.

If you want to be able to pick up women you have to be good in communicating with women. All leaders are good communicators. Many guys do not know how to keep a woman engage in a discussion long enough to make the woman start feeling that they are friend to her. Good communication with women involves that you talk about what interest women generally and what will interest the particular woman you are talking to. This means that when you are talking to a woman you need to listen deeply to her to know what is of concern to that particular woman and adjust your conversation in that direction. At the end of the conversation she will be wishing to see you again and will readily give you her contact details for a date. But many women are complaining that men are not really in a conversation with them when talking to them because the man may not be listening or maybe doing negative communication. By always spending a little time to listen to programs that women needs are discussed, you will know what to discuss with them. If you are a good communicator you will be a friend to women and women will find it easy to date you.

To be able to pickup women you need to be calm both internally and visibly. Even in a very tense situation which you can find yourself because you are trying to pick up a girl you but you find out that you are in the middle of plenty girls, you still need to be calm to be able to handle the situation. There are times when you are talking a girl who may want to make your angry and she is totally rejecting you, you should be calm to read the situation well and respond accordingly. When a girl is listening to what you may be saying, you may start getting nervous and not know what to talk about. You should prepare in advance how to handle bad situations that you may come across as you try to pickup women. If you can anticipate the worst reaction of women in advance, you can plan ways to turn a bad situation into a good one. This is possible if you are the type of man who is not concern about what other people are thinking about him. Always practice deep breathing when you talking to a woman and you notice that you are getting nervous.

All women can tolerate certain character flaws in men but they cannot tolerate a man who lack of self confidence. A man who lacks self confidence can never date very beautiful women. When many men see a beautiful woman, they immediately assume that they cant date her. If you think that you can never date a woman, then you will not approach her and even if you try to approach her, you will start getting shaky and the lady will see you as one of those men who are not yet able to date women regularly. To help you build your self confidence, remember the women who has liked you in the past or who have even started a conversation with you. This will make you to know that you are a great guy who some women will definitely want in their life. If you are always taking with beautiful women you will find out that you will be able to pick up some even from normal conversation. So the ability to pick up women using self confidence lies in your ability to start talking with women as soon as you see them and your self confidence will grow from there.

By using these alpha male traits , many men who are leaders in their environment and careers are successfully picking up women and getting dates.

Peerpeer lending set to take off as banks keep hold of purse strings

Peer2peer lending set to take off as banks keep hold of purse strings

So, 16%, or 768,000, of small companies would consider applying for a peertopeer lending scheme P2P loan over the next year, says rebuildingsociety, a peertobusiness lending website that connects SME borrowers with lenders looking for better returns than those offered by savings accounts. The sector is set to boom with as much as to be lent through SME P2P schemes annually, roughly 10% of total mainstream SME bank lending in 2012.

Individual lenders can typically earn between 8% and 15% interest through P2P platforms such as rebuildingsociety, which is significantly higher than the subinflation returns offered by many bank and building society accounts.

Daniel Rajkumar, rebuildingsociety. com managing director, said: research shows P2P lending is well on its way to entering the financial mainstream with strong levels of interest from consumers and SMEs alike.

FCA regulatory oversight from next year will provide consumers with an additional layer of protection and our study shows this is very likely to boost takeup. organisation was founded after Mr Rajkumar experienced frustration with his bank in terms of funding another of his business interests.

One successful customer is Exquisite Handmade Cakes, in Leeds, which was founded in 2004 and employs 30 staff.

Despite a host of national contracts and a turnover, owner Viv Parry was refused a bank loan of just to buy new cake slicing machinery.

Lenders reviewed the financial and personal profile submitted by Ms Parry and quizzed her in the online forum.

She received bids from more than 60 individuals, pushing the interest rate payable on the loan down to a level that allowed her to accept the loan and purchase the portioning machine.

She said: is one of the most innovative schemes I ever encountered.

owners shouldn take it personally if a bank turns them down for finance because it is no longer a barometer for a good quality business.

would advise directors to embrace the challenge of securing growth finance because there are plenty of alternatives, like peerto business lending. Rajkumar urged Merseyside firms to embrace P2P, adding: investors traditionally invest as much in the person as the business opportunity and it fair to say this was the case here, albeit a debt arrangement with many different lenders.

Liothyronine Sodium As A Treatment Solution For Thyroid Problems

Liothyronine Sodium As A Treatment Solution For Thyroid Problems

Liothyronine, a thyroid hormone, is needed to remedy hypothyroidism, a condition in which the thyroid gland does not produce sufficient thyroid hormone. Without this hormone, our bodies cannot perform properly, which results in inadequate growth, slow speech, insufficient strength, weight gain, hair loss, dried out dense skin, and increased level of sensitivity to cold. If consumed appropriately, liothyronine sodium removes these symptoms. Generally, it is consumed as a single dose before breakfast time. To manage the signs and symptoms of hypothyroidism you will need to take this medicine for the remainder of your lifetime. It might take around 14 days before you see any improvement in your symptoms. Stick to the guidelines on the prescription label very carefully, and have your physician or pharmacist to clarify any part you don comprehend. Take liothyronine just as instructed. Do not take more or less of it or use it more frequently than recommended by the doctor. Carry on and take liothyronine although you may feel well. In the event you become pregnant while taking liothyronine sod, get in touch with your physician. Yet, if it almost time for an additional dose, forget about the skipped dose and keep on your normal dosing timetable. Keep it at room temperature and away from excess moisture and heat not inside the bathroom. Throw away any medication that out of date or no longer needed. Speak with your pharmacist regarding the proper disposal of liothyronine.

Lemon risotto with fresh peas and mint

Lemon risotto with fresh peas and mint

Fresh peas have almost completely gone out of style except in those restaurants that cultivate the most particular produce, farmer markets and specialty produce stores, and in the backyards of gardeners who grow their own.

You have to shell a lot of peas before you got enough for a meal, and when I was small. shelling peas was a job for the little kids. The crisp pods snapped open with a satisfying pop, and the peas roll into the bowl ahead of your thumbnail. Because fresh peas are sweet and delicious eaten out of hand, the aunts and the grandmas knew to factor in about a 30% loss before the peas ever hit the stove.

You could make a case for not cooking fresh peas at all and just tossing then raw into salad, but a little cooking brings up their sweetness. Paired with lemon and mint in a risotto, the sweetness of the peas, the bright flavors of the lemon, and clean breath of mint make a wonderful supper, or a nice match in a first course or side to grilled lamb or fish.

LG LW

LG 32LW5500

LG shows that customersquickly will be able to watch high quality high grade video material at up to 170 degree without image failure. The high caliber graphic seems to be exceptional from typical viewing distances 815 feet as well as we simply found imagine fading together with colour decrease at probably the most excessive watching degrees. In general that LG 32LW5500 LED definitely can deliver on its offers. Image edges from HD content were crisp, clean and detailed. Certainly, you give a price regarding the LG 32LW5500 LED TV, but in the event that you might get that additional cost, you are going to be amply rewarded. I actually liked the display quality a great deal from front and center and has been not able to discover the processing conditions the LED displayed through HQV testing.

The newest 32LW5500 by LG has got the newest and best abilities which the corporation expects may continue LG competing with the Class A manufacturers. The remote compliments the television having an equally sleek, extraordinary design. We would find it is hard to believe LG might find a new LED with an incredible difference over the previous glorious collection; and, well, it has. LGs latest range of TVs are likely the greatest we had ever known. Even though the television is definitely larger in comparison with a normal LED because of its integrated canvas, the stand as well as frame on top of the canvas gave it a really fashionable side. We all like the design and apperance of the LG 32LW5500. LG undoubtedly took a chance here through its structure, and all of us feel they put their funds in the best place.

For just a LED although, weve been seriously amazed when using the 32LW5500 capabilities. Dark depth is brilliant, going much deeper and darker when compared to every Television set before, even though even now exposing the required detail. The high resolution graphic coming from Blu Ray and Broadcast high quality seemed to be clear, vivid as well as amazing as normally, but unfortunately the graphic doesnt appear as strong as many of the greater display we have seeing these days. The audio speakers work good, having the power and clarity you would hope given their price. Speakers feels strong also, sounding clear, balanced and organised. Shadow degree is great with Hi def videos as well. Regardless what video is displayed you can find low degradation of black levels in addition to contrast from side observing angles starting at 5 degrees.

In action, the LEDs image quality is just marvelous. Screen noise, even in the most problematic or smoky scenes, is suppressed nicely and smoothness for instance skin tones persuade. I believe the anti glare solutions announced into the telly screen produces almost all weakness complaints about coloring calibrations and off angle viewing. Depth is definitely amazingly sharp and even good resolved despite having high speed action, and textures are extraordinarily realistic. Blacks turn out to be just a little hazy at side angles yet direct seem a good deal saturated. With less focus grabbing shows, which includes some SD basketball broadcasts, the 32LW5500 LED television does somewhat well. It can be hard to supply a broadcast picture this particular dimensions, however the LG 32LW5500 TV makes a strong stab. It is certainly mostly free from disturbance and has the ability of producing colourful, distinct graphics.

Multinational Companies in Egypt

Multinational Companies in Egypt

The Companies in Egypt 2010 CDROM contains the latest available, fully researched data on 2,700 senior executive contacts at 780 leading US, European and Asian multinational companies across 34 industry sectors in Egypt.

About the Multinational Companies in Egypt 2010 CDROM

Multinational Companies in Egypt 2010 CDROM is a powerful, costeffective business development and research tool delivered in an easytouse Windows format that allows you to immediately source, select and browse multinational contacts and companies in Egypt. This CDROM provides you with unlimited export rights allowing you to create your own company database and generate your own Egyptian mailing lists.

Key benefits for your Sales, Marketing, HR, Finance and Research teams

Newly researched in Q3 2009, this database of companies is a musthave marketing tool for all executives conducting business in Egypt, providing sales and marketing leads to secure new customers, partners or suppliers in Egypt. The Multinational Companies in Egypt directory is ideal for market assessment and planning, plus benchmarking and analysing your competitors in the Egyptian market.

Data provided for each multinational company listed

Full company name, web and postal address, email, telephone and fax number

Employee size and sales volume estimates

Main business activities, services and products

This CDROM enables you to search, segment and target using:

Keywords Use your own free text searches to instantly target leading companies in Egypt contact names, job titles, products or services

Company Name Immediately source strategic data on a potential customer, partner, supplier or competitor through company specific searches

Nationality Index Search multinational subsidiaries, joint ventures and representatives in Egypt using the nationality index

Major Industry Sector Index Source companies in Egypt using an index of over 30 industry classifications and products and services

Then output your data in printed or electronic formats:

Copy Export Copy an individual entry to a clipboard for pasting into other software. Export data in a range of standard formats to produce Egypt mailing lists, support telesales and build customised Egyptian databases.

Print Print out selected companies in Egypt straight from your screen

FAQs about the Multinational Companies in Egypt CDROM How was the data researched?

The data for each company listed in the CDROMs has been compiled by telephone, fax, email and questionnaire by our dedicated research teams in London and incountry agents. This data has then been verified by the team on an ongoing basis throughout the year.

Business Monitor International has longestablished relationships with local partners based in each country to ensure that the data in every one of our directories is uptodate and accurate.

All you need to be able to install and run the CD is a PC with a local CDRom drive running Windows 95, Windows 98, Windows NT, Workstations 4.0, Windows 2000 or Windows XP. For full installation you will require about 50MB of free space on your hard drive. Alternately minimum installation will require 10MB of space, but full installation will give you optimum performance. If you require additional technical support, you can contact our technical support team on the email, phone and fax provided in each CD.

How does this product differ from earlier Companies Yearbooks Multinational Companies in Emerging Markets series of directories is the successor to our successful Companies Yearbooks and utilises the same dataset. The product has been renamed to better reflect the content, and in conjunction with its launch in online format.

Coast Shift Dresses Experience Unlimited Fun At The Bogmallo Beach Resort In GoaThe Best Fiberglass Boat Repair Services In San FranciscoLaser Technology Science Fiction Brought to LifeWhat you need to know before you rentHighway Leather Offers Stylish Leather Vests To Make Your Next Riding Experience MemorableHighway Leather Offers High Quality Leather Motorcycle JacketsHow to clean your keyboard dirt in gap?NonTraditional Metal Fabrication Machining FunctionsReserve Novalja Apartment online and get discounts for activities during holidays

Why Do You Need Executive Suites Fort Lauderdale for Your Business?Things You Must Know About Auto RepairInfographic Templates For Your BlogGlobal Delivery with the Help of Freight ForwardersSuggestion For Hiring An Infographic DesignerImportant information about aortic aneurysms like aneurisma de aorta abdominalDont Delay the Treatment Otherwise It Will Treat YouStarting A Social Media Marketing Campaign? Start With These Ideas!Social Media Marketing: What Does That Meme?Getting New Clients Through Social Media Networking

Mexican Lasagna Recipe

Mexican Lasagna Recipe

Preheat the oven to 425 degrees F.

Preheat a large skillet over medium high heat. Add 2 tablespoons extravirgin olive oil twice around the pan. Add chicken and season with chili powder, cumin, and red onion. Brown the meat, 5 minutes. Add taco sauce or stewed or fire roasted tomatoes. Add black beans and corn. Heat the mixture through, 2 to 3 minutes then season with salt, to your taste.

Coat a shallow baking dish with remaining extravirgin olive oil, about 1 tablespoon oil. Cut the tortillas in half or quarters to make them easy to layer with. Build lasagna in layers of meat and beans, then tortillas, then cheese. Repeat: meat, tortilla, cheese again. Bake lasagna 12 to 15 minutes until cheese is brown and bubbly. Top with the scallions and serve.

A+!!! Yay! Found a yummy recipe that I can add to my list of favorites. Will be enjoying this recipe as we did tonight again again. Thinking recipe will be used by my daughters someday. I used a 20oz package of ground turkey and an 8oz package of Weight Watcher Mexican style shredded cheese. I also used a 10oz can of Rotel tomatoes and about 1/2 a package of taco seasoning instead of the cumin and chili powder. I left out the corn not a fan and used regular flour tortillas since that was what I had on hand. Mine needed to bake an extra 10 to 15 minutes to get bubbly and browned. It was a huge hit delicious!!

Knife thug stabbed in prison

Knife thug stabbed in prison

A knife fiend was seriously ill A patient is seriously ill when his or her illness is of such severity that there is cause for immediate concern but there is no imminent danger to life. See also very seriously ill. last night after a revenge stabbing

in jail.

epithet of Hades. Gk. Myth. supergrass supergrassBrit, Austral NZ an informer who names a large number of people as terrorists or criminals, esp. one who gives this information in order to avoid being put on trial

Noun 1. Tam Bagan was stabbed severalMcCann, serving seven years for a horrific slashing in Edinburgh,

was serious, but stable in hospital.

Bagan spent several weeks undergoing treatment after the AprilJust weeks later, it was revealed he had spent more than a year

revealing details of Glasgows underworld to police.

Bagan, serving 12 years for armed robbery, was a bodyguard for

crime godfather Arthur Thompson Arthur Thompson, known as the Godfather, was a notorious Glasgowborn gangster who made his mark on the streets of Scotland in the 1950s, and who then went on to take charge of organized crime for over thirty years. senior.

International Adoption and Guatemala

International Adoption and Guatemala

Guatemala is one of the most controversial subjects in the world of International Adoption today. Not wishing to add further to the controversy, it is just that adopting a child from Guatemala today can be a little tricky unless you know what you are doing.

International Adoption is not easy, especially when there is a language barrier. Add to that the fact that you are about to enter an area where the entire world of Adoption is treated like an unofficial major industry and you can perhaps begin to imagine where potential problems might arise

International adoption is a very positive alternative for couples whove endured disappointing fertility results and failed domestic adoption attempts. Please be aware that international adoption is not cheap. International adoption is not for everyone it is a complicated, exciting, scary, fulfilling and ultimately lifechanging process and is a wonderful way of expanding your family and providing a caring, loving home to a child in need.

International adoption is more of a possibility today than ever. It is a current event increasingly on the rise in America and simply stated, is where a child who is a citizen of one country is adopted by parents who are citizens of a different country.

Guatemala is one of the rare countries that allow placing newborn healthy children directly for the international adoption. Before deciding on adoption from Guatemala, you will need to do your homework. The government of Guatemala does not have a specific procedure to approve international adoption agencies. It has the most lenient requirements of countries placing children for international adoption.

Guatemala is located in Central America between Mexico, Belize, Honduras and El Salvador. Last year, approximately 3700 children were adopted from Guatemala by US Citizens and Guatemala is one among one of the top five countries that place children for International adoption.

As I mentioned at the start of this brief article, Adoption in Guatemala is big business. It is a sad but true fact of life that the interests of the child very rarely though not always come first. Now this is not to give the impression that adoptions from Guatemala will work, far from it, it is just that when you mix an action that is essentially motivated by a complex basic natural desire, that is to say the adoption of a child. Take this action out of its normal environment and then introduce potentially vulnerable adults into a climate that is more fuelled by finance and greed then you have the potential for major conflict.

If you are interested in making a family, which would include an infant, toddler, or alder child, then international adoption is a viable option. International adoption is a very positive alternative for couples whove endured disappointing fertility results and failed domestic adoption attempts. International adoption is a complicated, exciting, scary, fulfilling and ultimately lifechanging process.

If this is the route that you have definitely chosen to follow, the pathway that is for you then your first steps should be to liaise with an Adoption Professional within your area of legal jurisdiction who has an expertise with International Adoption because at the end of the day you are embarking upon a procedure that is essentially all about Immigration. your local area doesnt tie up then no matter how much love and affection etc you are prepared to invest in this project it just wont get off the ground and you could end up losing more than just a few broken hearts.

Out Of This World Intercourse Positions That Can Drive Your Man Crazy

Out Of This World Intercourse Positions That Can Drive Your Man Crazy

Do you want to have sex tonight? Then better make it as unforgettable and as wicked as possible. Remember, a wise and witty woman always makes her mark every time she makes love to her man. Keep in mind that great sex should not only spice up your love life, but it should also have a lingering effect on you and your lover. It should inspire him, empower you and make him love you more. If you want to make your mark in the bedroom, then surprise him with this hot intercourse positions that can definitely blow his mind away!

1. Lets begin with something mild. When your man is having a hardon, push his penis towards his stomach and start licking the underside of his shaft. Some tip to remember, when licking, keep your tongue flat and move your head from side to side to make sure you dont miss a spot! Be sure to bend over, and give him a clear view of your yummy bottom, while doing the act. The view and the sensation will absolutely drive him crazy!A great foreplay before doing some intense intercourse positions.

2. Instruct him. While hes going down on you, tell him to do a number eight figure on your clitoris so he wont miss any angle. This will certainly heat things up before doing some sizzling intercourse positions.

3. Before doing some mind blowing intercourse positions, apply some warming lubricants to enhance the sensation.

4. Do the wild massage! No, not on his back or his feet, but on the spot behind his balls, yes, the perineum, the pleasure spot. Intensify his orgasm by circularly massaging this area with your 2 fingers not less than 30 seconds before he ejaculates.

5. For maximum clitoral stimulation on his pelvic area, lean forward and rest your upper body against his. Then bring one leg to the side and bend it, while straighten the other leg and slide it in between his leg.

6. For deep and maximum penetration. Sit down on the sofa, legs wide apart, hips slightly on the edge and feet on the ground. After positioning yourself, have him kneel in front of you and let him enter you from there. The best part is you can use your legs and arms to have full control of the penetration. This is one of the intercourse positions that will surely bring him to great heights.

7. Pin him down and be the domineering character on the bed. Position yourself on top of him. Then clench his arm and body with your legs, giving you full control of the deed. Then move your hips clockwise, then counterclockwise, then back and forth. Change your move every 30 seconds and watch him orgasm like never before.

8. For a more intimate sex act. Tell him to sit with his leg crossed indianstyle, then sit in front of him and wrap your legs around his body, then begin to rock him hard back and forth.

9. Do it with your panties on. Yes, you read it right! As foreplay, let him massage your soft spot with both his fingers and tongue through the fabric. And when youre all wet and hot and ready to go, pull your panties on the side and enjoy the sensation.

10. Girl on top position with an extra twist. While sitting on top of him, lean back and tilt your head back, too. With your both arms holding the bed behind you, he will get a full view of your breasts and torso while you do him. Men are all about the view. This is one of the intercourse positions that will surely fulfill not only his sexual desires but his visual desires as well.

Nose Piercing Precautions

Nose Piercing Precautions

Recently nose piercing has become a very popular fashion trend, especially among South African and Asian Communities. In these countries, nose piecing is a part of religious rituals. Nose piercing looks great and funky too, but there is no gain without pain. Therefore, immense amount of care must be taken during and after the body piercing technique. The procedure is not as crucial as the healing of the wound.

The nose piercing procedure must be essentially performed by a professional. If you dont take care of the nose piercing it can prove to be very expensive for your health as well as wealth. Therefore, here are a few guidelines to follow during the healing process of the nose piercing wound. One must clean and disinfect the area of the wound as well as the nose jewelry to remove any possible germsor dried blood from the area. One can use a good disinfectant like betadine solution or warm salt water, during the healing process one must take care, to stay away from any bleaching products like hydrogen peroxide.

Before buying nose piercing jewelry is it is essential to check the material of the product to find out if you are having any allergies to that material. Today there are a variety of online stores available in the web sphere selling body jewelry in a variety of materials. Jewelry made for 14 to 18 carat gold, surgical steel, niobiumor titanium is the best choice. As this type of jewelry is hypo allergic and does not cause any allergies. Other materials like surgical steel and niobium or titanium is the best. Sterling Silver is also recommended in nose piercing jewelry.

For people with allergies there are a variety of safe materials like plastic which is close in composition to the human body skin and is safe for sensitive skin. Plastic is also preferable as it is low cost. Body jewelry is more popular among teenagers and those who are just out of their teens. Also, people often tend to fiddle with the jewelry. This is not a clean habit as the germs from your hands could get transferred to the nose piercing area and infections may result. If the piercing is painful and swelling or oozing occurs one must consult the doctor for expert opinion.

New Trend in Office Interior Designs

New Trend in Office Interior Designs

In the past few years, the office interior design industry has seen an unprecedented change and eventually flooded with n number of trends for office interior decorating manners.

One of the most trusted trends is to bring people together in space as less as possible and still making it look efficient and natural. Commissioning a successful office interior design project can be challenging and fun as well. First of all, one should always keep in mind that your office represents your company, the way it is, its goals, its vision and many more. Hence, one should be always careful prior to implementing any interior design idea. It is something, which should be taken seriously as top priority.

Your office interior design must reflect the long term goal of your firm. People who are willing to connect with your company should be able to figure out that how this company going to benefit them in the longer run, is there any wavelengthmatch of client and vendor goals. Also, the clientele that you possess should also be kept in mind while implementing the interior designing concept.

No doubt, we spend most of our time, money and effort in decorating our homes, but recently there is a significant increase in demand in finding the best interior design ideas for the office. In earlier years, a typical corporate environment would have gray walls, simple cubicles and minimal accessories. But now the time has changed, decorators have evolved from simple desks and chairs to great concepts of interior designing.

At workplace one needs to have extremely conscious about the office interior design. You need to plan your interior designing to avoid over any mess and utilize even the smallest space possible. If you have good interior decoration then your office space can fetch you client at the maximum extent.

The ultramodern style is the most common trend in office interior design these days, because of the fact that it reflects a sense dynamism, progression, and awareness about the latest trends. Obviously, no client would like to build a relationship with a firm having oldtrend office.

Modern themes grab attention and look clean and tidy, thereby leaving the impression of smartness and sharpness. Those days are now history when office interiors would mean simple walls and out of context furnishings. Interior design ideas and concepts have greatly evolved with the times. Generally, the interior design element of an office space is an overlooked part but one should always keep in mind that the productivity of an offices staff can be influenced by your office interior design of the workplace as well. For eg Corporate office will have an altogether different kind of design scheme than a doctors office, lawyers office.

In order to improve the productivity it is extremely important to have a right and suitable office interior design of the working environment. The main importance for the office interior design is the overlook of the office as it could be the deciding factor in a failure or success of a business. So take it is an extreme matter.

It is normally observed that most of the large companies are paying attention to their office interior designs but it is also important for the small companies to follow the same pattern so that working environment can be improved.

We should always remember that office interior design is highly important as it directly influences the workers mind and motivate people to perform better.

InnoCentive Extends International Reach with New Partnerships

InnoCentive Extends International Reach with New Partnerships

Waltham, Mass.June 14, 2011InnoCentive, the global leader in Challenge Driven Innovation, today announced two partnerships that extend the companys global reach into the Middle East and South America. The company is partnering with Innoway, a leading innovation consulting and training company in South America, and INNOVABIA, a company that provides strategic and innovation strategy consulting to companies in the Middle East and North African MENA regions.

The Middle East and South America represent economies that are looking to innovation to expand their footprint beyond raw materials. In recent years, there have been numerous investments dedicated to research as these regions work to narrow the innovation gap that exists between them and the rest of the modern world. Recognizing the growth potential that exists in each of these markets, Brazil in particular, there is significant opportunity to tap into unknown global talent.

Organizations take advantage of only 20 percent of their available human talent, which is just not enough to advance innovation and allow an organization to be truly competitive, said Ari Piovezani, CEO of Innoway. Innoway was founded in order to exploit that critical 80 percent and provide new levels of innovation. We look forward to working with InnoCentive to bring unique and unbeatable solutions to global corporations in South America.

Founded in 2002, Innoway provides organizations with an innovation methodology to tap into internal corporate capacities and talents. Serving South America, with a specific focus on Brazil, Argentina and Chile, Innoway enables companies to advance human corporate potential to reach its best possible performance. Innoways collaboration with InnoCentive offers regional organizations the opportunity to acquire a level of maturity while overcoming the recurrent challenges a growing organizationwithin a growing economymay face.

Traditional thinking and solutions to problems and challenges is no longer an efficient approach to innovation, said Osama Ghanim, cofounder and CEO of INNOVABIA. Business challenges exist everywhere and require a different approach in order to find the most effective solution in a timely manner. By partnering with InnoCentive, we offer our customers the opportunity to open an important dimension to solving critical business challenges.

INNOVABIA assists organizations in becoming more innovative by utilizing the best international methodologies and practices. By helping companies drive their resources toward innovation, INNOVABIA assists in a rapid adoption of an innovationbased culture at all levels of an organization. InnoCentives alliance with INNOVABIA will create opportunities for businesses in the MENA region to become more competitive on a global scale.

InnoCentive is committed to partnering with companies that have displayed expertise in advancing open innovation in their respective regions, said Dwayne Spradlin, president and CEO of InnoCentive. Partnering with Innoway and INNOVABIA illustrates our focus and investment in the growth of global innovation through locally supported efforts. We look forward to the collaboration in these international markets to accelerate problem solving and innovation worldwide.

InnoCentive is the global leader in Challenge Driven Innovation that bridges the gap between great ideas and actual solutions to drive measurable results. Recognized as an open innovation and crowdsourcing pioneer, InnoCentives proven methodology, expanding global community of millions of problem Solvers, and cloudbased technology platform enable organizations to tap all potential sources of innovation employees, customers, partners, and the worlds largest Solver community to accelerate their pace of innovation and evolve into true Challenge Driven Enterprises.

India raises interest rate to fight inflation

India raises interest rate to fight inflation

On Thursday, staterun oil firms raised petrol prices by 5% to help curb losses from high crude prices. Analysts warned that it would worsen inflation.

The Indian government is concerned about high inflation and slowing growth, Reuters quoted Finance Secretary RS Gujral as saying.

There are fears that the Reserve Bank of India will continue to raise rates as inflation has remained high.

The bank is now in the awkward position of fighting high prices amid mounting worries about the health of the global economy, correspondents say.

The government is projecting growth of 8.5% for the fiscal year that ends next March.

But the growth rate is threatened by the rising prices which limit domestic consumers spending power.

Analysts say the latest hike in petrol prices will add to the inflationary pressure.

Nearly a dozen hikes in petrol prices over the past two years have raised the price of the fuel by more than 50%.

In May, oil firms raised petrol prices by 5 rupees $0.10; 0.06 a litre the steepest ever single increase.

Last year, the government allowed staterun firms to fix petrol prices but it continues to control the prices of diesel, kerosene and cooking gas to protect the poor and try to keep a check on inflation.

Petrol prices are being raised by 3.14 rupees $0.06; 0.04 a litre to 66.84 rupees $1.40; 0.89 in Delhi and by similar amounts in the rest of the country, the Indian Oil Corporation said in a statement.

The repeated fuel price hikes have made the government hugely unpopular with India massive middle class.

The opposition parties have condemned the move.

BBC links Mobile siteTerms of UseAbout the BBC Advertise With UsPrivacyAccessibility Help Ad ChoicesCookiesContact the BBC Parental Guidance

BBC 2013 The BBC is not responsible for the content of external sites. Read more.

This page is best viewed in an uptodate web browser with style sheets CSS enabled. While you will be able to view the content of this page in your current browser, you will not be able to get the full visual experience. Please consider upgrading your browser software or enabling style sheets CSS if you are able to do so.

India raises interest rate to fight inflation

India raises interest rate to fight inflation

On Thursday, staterun oil firms raised petrol prices by 5% to help curb losses from high crude prices. Analysts warned that it would worsen inflation.

The Indian government is concerned about high inflation and slowing growth, Reuters quoted Finance Secretary RS Gujral as saying.

There are fears that the Reserve Bank of India will continue to raise rates as inflation has remained high.

The bank is now in the awkward position of fighting high prices amid mounting worries about the health of the global economy, correspondents say.

The government is projecting growth of 8.5% for the fiscal year that ends next March.

But the growth rate is threatened by the rising prices which limit domestic consumers spending power.

Analysts say the latest hike in petrol prices will add to the inflationary pressure.

Nearly a dozen hikes in petrol prices over the past two years have raised the price of the fuel by more than 50%.

In May, oil firms raised petrol prices by 5 rupees $0.10; 0.06 a litre the steepest ever single increase.

Last year, the government allowed staterun firms to fix petrol prices but it continues to control the prices of diesel, kerosene and cooking gas to protect the poor and try to keep a check on inflation.

Petrol prices are being raised by 3.14 rupees $0.06; 0.04 a litre to 66.84 rupees $1.40; 0.89 in Delhi and by similar amounts in the rest of the country, the Indian Oil Corporation said in a statement.

The repeated fuel price hikes have made the government hugely unpopular with India massive middle class.

The opposition parties have condemned the move.

BBC links Mobile siteTerms of UseAbout the BBC Advertise With UsPrivacyAccessibility Help Ad ChoicesCookiesContact the BBC Parental Guidance

BBC 2013 The BBC is not responsible for the content of external sites. Read more.

This page is best viewed in an uptodate web browser with style sheets CSS enabled. While you will be able to view the content of this page in your current browser, you will not be able to get the full visual experience. Please consider upgrading your browser software or enabling style sheets CSS if you are able to do so.

is a subprime mess

is a subprime mess

Why has Ohio been hit so much harder by foreclosures than Pennsylvania?

We have a better economy, better lenders and better laws.

Pennsylvania is not unscathed. Allegheny County could see as many as 4,700 foreclosures this year. That up from last year and about twoandahalf times as many as in 1983 when the steel industry was collapsing.

In Cleveland, though, it far worse. Cuyahoga County had 15,000 foreclosures last year and will have 15,000 more this year, county Treasurer Jim Rokakis said.

There was nobody home at the regulatory level in Ohio, Mr. Rokakis said. Predatory lending practices were allowed to run wild and unabated. Bank is buying a strapped National City, based in Cleveland, because I think your banks were acting responsibly and ours were not. Period. Ohio, there are 2.7 homes in foreclosure per 1,000 housing units, almost twice Pennsylvania 1.5, according to statistics from the Federal Reserve Bank of New York. The percentage of homes where the lender has taken legal title is more than three times higher in Ohio than in Pennsylvania.

Mr. Rokakis is the selfdescribed Cassandra who began warning of a mortgage meltdown in 2000. Ohio was then one of only a couple of states without a consumer and sales practices act, which meant the attorney general could go after someone who sold a bad toaster or TV but not one who sold a bad mortgage.

The cities of Cleveland, Dayton and Toledo adopted antipredatory lending laws in 2001, but the Ohio Legislature swiftly overrode them. The Ohio legislators had been lobbied hard by bankers, led by National City, Mr. Rokakis said.

If your major banks are willing to lead the charge into these risky lending practices, why should you be surprised that others followed?

It wasn until 2006 that Ohio adopted state legislation to rein in predatory lending. By then there was fraud on an industrial scale, Mr. Rokakis said, and homes were wildly overvalued. The median sales price of homes in metropolitan Cleveland dropped from $138,900 in 2005 to $117,500 in the second quarter this year. Numbers are also down in metro Cincinnati and metro Columbus, according to the National Association of Realtors.

In the same period, the median price in Pittsburgh rose from $116,100 to $125,200. That remains low for a large metro area, but we in one of the few regions that moved in a positive direction.

Steve Shivak, executive director of the Pittsburgh Community Reinvestment Group, says National City did not get into the same lending trouble here that it did in its home state. That partly because, for the past 21 years, his watchdog group has demanded good loans from banks and has helped define what they should be.

The PCRG works with banks and community groups to make sure banks make some loans in neighborhoods where they take deposits. That a requirement of the federal Community Reinvestment Act.

As far as I know, there is no organization like PCRG in Ohio that held banks feet to the fire and said they only want good products, Mr. Shivak said.

If a lender isn accepting deposits in a given neighborhood, it doesn fall under the Community Reinvestment Act, and these unregulated lenders have been causing the problems. Of more than 700 homeowners threatened with foreclosure who have come to the PCRG for counseling in the past three years, only three had loans from a PCRG banking partner, Mr. Shivak said.

Most people in trouble refinanced their homes, he said. Many times they refinanced themselves out of a good loan, to get money for college tuition, a leaking roof or new windows.

The Pennsylvania Department of Banking has proposed a new regulation that will do away with no doc loans. That means all borrowers will have to show documentation that they can afford the house they buying. That may seem only common sense, but the proposal arrival shows how far the lending industry has strayed from the old fundamentals.

Does that mean the crisis has bypassed Pennsylvania? Absolutely not. The Fed says 29 percent of subprime loans in Pennsylvania will reset to a higher rate in the next 12 months. That means trouble.