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Korean Air has initiated relief operations for victims of Sunday's climatic disaster in Southeast Asia,[link widoczny dla zalogowanych].
The domestic airline said Thursday that it plans to use one of its cargo planes,[link widoczny dla zalogowanych], the KE373,[link widoczny dla zalogowanych], to transport relief materiel from the National Disaster Prevention and Countermeasures Headquarters and Korean Red Cross at no charge.
The airline will carry 14 tons of blankets,[link widoczny dla zalogowanych], bedding and emergency relief sets and 12 tons of drinking water (provided by the company itself) to Jakarta,[link widoczny dla zalogowanych], Indonesia on Friday morning.
Meanwhile,[link widoczny dla zalogowanych], Hyundai Motor and Kia Motors said they decided Thursday to send US$1.5 million (W1.65 billion) in relief funds and materiel to help reconstruction efforts in areas in Southeast Asia that were affected by the earthquake and tsunamis.
About 5,[link widoczny dla zalogowanych],000 of the company's staff and dealers in Southeast Asia have come together on their own to form a volunteer service team that has begun restoration work in the area.
(Yeo Shi-dong,[link widoczny dla zalogowanych], [link widoczny dla zalogowanych])
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After you register an llp you also need to nominate a member who will file the annual partnership tax returns & deal with the Inland Revenue department. For the reason that profits in an LLP are distributed among all its partners ,[link widoczny dla zalogowanych], they are liable for applying the taxes however the tax liability does not fall upon the LLP.As well you need to apply for a VAT registration for the LLP in case your business expects to generate a revenue of more than sixty seven thousand pounds.
The minimal requirements to register an LLP include:
Author&#039,[link widoczny dla zalogowanych];s Bio:&nbsp,[link widoczny dla zalogowanych];
To register an LLP,[link widoczny dla zalogowanych], you don’t require Articles of Association or Memo of Association. Just after you register an LLP & it is completely formed you ought to submit the accounts annually & file annual returns with the companies’ house. In order to do this,[link widoczny dla zalogowanych], two of the partners in an LLP must be designated members who meet all the statutory requirements after you register an LLP.
The very first step to register an LLP is to agree upon the “Deed of Partnership” agreement. Deed of Partnership agreement is a legal binding between the partners regarding their responsibilities & rights of each individual. The partnership deed agreement consists of various other administrative details such as the investment made by each individual,[link widoczny dla zalogowanych], name & address of each individual apart from their roles & responsibilities. This agreement as well gives details as to what are the modifications that have to be done in case any of the partners decides to quit the business at any point of time.
1) Deed of Partnership Agreement
2) Two or more partners
3) Registered address
By Dainy Morsen
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LLP abbreviates to Limited Liability Partnership is just like any other partnership business in which the members involved have limited or less number of liabilities to the losses or debts that occur because of the business,[link widoczny dla zalogowanych]. In other words Limited Liability Partnership offers the partners flexibility in operating a limited company,[link widoczny dla zalogowanych]. You can register an LLP with the help of a company formation agent or by self filing the application for an LLP,[link widoczny dla zalogowanych]. To register an LLP you need to file the application that can be procured from Companies House.
Planning to start up a Limited Liability Partnership,[link widoczny dla zalogowanych]? Worried about how to register an LLP,[link widoczny dla zalogowanych]? Then here you are this article gives you an overview on the steps to register an LLP,[link widoczny dla zalogowanych].
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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For every 10 domestic credit cards,[link widoczny dla zalogowanych], 2.7 were found idle, unused for more than one year, and nearly half of the cards issued by Korea Exchange Bank (KEB) Credit Service, the card unit of KEB, had never been used.
The Korea Non-banking Financing Association (KNFA) said Wednesday that the nation's eight non-bank credit-card firms had issued a total of 83.39 million cards as of the end of September,[link widoczny dla zalogowanych], 27 percent or 25.56 million of which have not been used for more than one year.
Because card firms spend an average of W17,000 for each card issued,[link widoczny dla zalogowanych], including the fee for the recruiter,[link widoczny dla zalogowanych], the number of unused cards represents W434.5 billion in wasted fees,[link widoczny dla zalogowanych], an amount that reflects badly on the management of the card firms,[link widoczny dla zalogowanych], the association said.
Of the firms,[link widoczny dla zalogowanych], KEB Credit Service had the highest ratio of idle cards: 4.11 million, or 46.8 percent of its total 8.78 million.
At Woori Card, the ratio stood at 2.43 million, or 43.2 percent of its total 5.62 million,[link widoczny dla zalogowanych], followed by 38.6 percent at Shinhan Card and 35.7 percent at BC Card.
The ratio was comparatively low for other card firms: 24.3 percent of Hyundai,[link widoczny dla zalogowanych], 20.5 percent for Lotte,[link widoczny dla zalogowanych], 17.2 percent for Samsung and 15.3 percent for LG,[link widoczny dla zalogowanych], the association said.
Analysts estimate that the average Korean over 15 years old now uses four different credit cards, compared with two cards in the wallet of the average American. (Kim Young-jin,[link widoczny dla zalogowanych], [link widoczny dla zalogowanych])相关的主题文章：

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Twenty nine North Korean defectors entered a Korean international school Friday morning in Beijing,[link widoczny dla zalogowanych], China and requested to be sent to Korea.
They entered the school through a back gate at about 9 a.m. and marched into the principal's office. The group was made up of 23 women,[link widoczny dla zalogowanych], 6 men and 2 children aged 7 and 8 -- some had defected from the North only a month ago.
Twenty nine North Korean refugees entered the International Korean School in Beijing,[link widoczny dla zalogowanych], China on Friday morning. Here,[link widoczny dla zalogowanych], they are sitting around the principal's room.
The Korean international school is not a government-level diplomatic institution,[link widoczny dla zalogowanych], so diplomatic immunity does not apply to it. Korean officials in China launched negotiations with the Chinese government so that the group can stay in the international school for a period of time under the consent of the Chinese government. The Korean embassy is currently filled to capacity with defectors from the North.
Recently,[link widoczny dla zalogowanych], cases of North defectors forming groups to enter diplomatic institutions and international schools in China are alarmingly on the rise. Only last month,[link widoczny dla zalogowanych], 29 people broke into a Japanese school and 44 people entered the Canadian embassy. On Sept. 15,[link widoczny dla zalogowanych], 20 people entered the Korean embassy. In total,[link widoczny dla zalogowanych], 102 North Korean defectors have entered diplomatic institutions in less than 50 days.
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As part of preparations for the 9th inter-Korean family reunions slated to take place late next month,[link widoczny dla zalogowanych], Red Cross officials from across the border have exchanged a list of two hundred names each to verify the existence and whereabouts of the individuals who are being sought by potential candidates of the latest reunion.
The results will be exchanged in mid-March and officials are to begin short listing their respective candidate rolls to one hundred people each based on the findings of the search,[link widoczny dla zalogowanych].
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2. Swapping or switching substances - Maybe it's just vodka I can't control,[link widoczny dla zalogowanych], or maybe it's just crack that sends me crazy. Perhaps if I switch down to a weaker drink or a softer drug,[link widoczny dla zalogowanych], then that will make a difference? Wrong - it won't. If you truly have an addiction to drink or drugs,[link widoczny dla zalogowanych], you will be addicted to all forms of them. Abstinence is the only way in the end. You are only delaying the inevitable by swapping and switching the substances you use.
4. Believing you're cured - Alcoholism and sometimes drug addiction are illnesses of denial. I often hear of people in long-term recovery returning to drink or drug use again,[link widoczny dla zalogowanych], because they believe that after some time off the sauce or the substances, they will be able to handle it. Let me tell you,[link widoczny dla zalogowanych], I know people who have achieved ten years or twenty years of sobriety and when they pick up the booze again, believing they must be cured by now, within a week they are right back to where they started again - or worse.
5. Trying to better better on their own - Addiction is a massive issue. Why on Earth would you want to struggle with it alone? There is nothing shameful in getting support,[link widoczny dla zalogowanych], whether that's through Fellowship groups,[link widoczny dla zalogowanych], relapse prevention groups or with the support of a professional. You wouldn't expect to have to recover from any other illness alone, so why this one? Put your pride aside,[link widoczny dla zalogowanych], and ask for help. You'll be glad you did.
By Beth Burgess, Smyls Recovery Coaching
See all Articles by Beth BurgessSee Beth Burgess&#039,[link widoczny dla zalogowanych];s Expert PageGet Updates on Addiction and RecoveryGet Updates on Beth Burgess Average: 5 Your rating: None Average: 5 (1 vote) Tweet
1. Trying to control your alcohol or drug intake - If you're really an addict and not someone who has made a lifestyle choice,[link widoczny dla zalogowanych], then controlling your use of alcohol or drugs is completely impossible. Some addicts try,[link widoczny dla zalogowanych], and fail, at this for many years until they finally realise it can't be done. The very nature of addiction means that it is impossible to control your use of a particular substance once the first drink or drug is down the hatch.
3. Believing that external circumstances are responsible for your problem - Many of us believe that we are only using drink or drugs to cope with the stress or strain of our current circumstances. We believe that if only our partner were nicer or our job was better or our financial situation improved then we would automatically drink or take drugs less often. The truth is that some people do use drink or drugs to cope with life situations; but if you're an addict, then no matter what changes in your life, you'll still turn back to the old substances.
It is possible to recover from alcoholism and drug addiction, meaning that your life vastly improves without the substance in it any longer. In those cases,[link widoczny dla zalogowanych], you will hardly ever feel cravings and be a much happier person overall. BUT, this does not mean that you can return to drink or drug use - your 'allergy' to these substances will remain with you, so you must remain abstinent for the long-term.
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If you want to receive more in life,[link widoczny dla zalogowanych], try this: expect more. Feeling just OK,[link widoczny dla zalogowanych], or mildly sluggish,[link widoczny dla zalogowanych], or constantly stressed yet still able to function, is not aligned with expecting more or with receiving more.
Why is self-care important,[link widoczny dla zalogowanych]?
If you treat yourself as "less than",[link widoczny dla zalogowanych], what kind of message are you giving to the universe about how you DESERVE to be treated and how you EXPECT to be treated? You are telling the universe that treating you as "less than" is OK, because that's the example you are setting for yourself.
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People with a low deserve level feel unable to give themselves adequate self-care, much less GREAT self-care! If you feel you deserve only the burnt toast, only the leftovers, only the scraps while other people get the full table,[link widoczny dla zalogowanych], then you are not going to experience full abundance in your business.
© 2011 Marcy Stahl
By Marcy Stahl
See all Articles by Marcy StahlSee Marcy Stahl's Expert PageGet Updates on Peak PerformanceGet Updates on Marcy Stahl Average: 0 Your rating: None Tweet
Practice excellent self-care.
Great self-care helps gives you energy to do what you need to do, in an easy and relaxed way.
CALL TO ACTION
It has many forms: it means getting enough sleep, providing yourself with high-quality, nutritious and beautiful food, taking appropriate action when you don't feel well. It means fueling up your internal energy gas tank, by connecting with nature or doing something creative. It means liberating yourself from constant mental stress and anxiety.
If you want to feel GREAT physically and mentally,[link widoczny dla zalogowanych], as well as make more money, then it's time for a complimentary Success Session with me. I can support you as you create an abundant mindset, as well as help you with practical business-building strategies.
You have a right to feel great, vs. feeling crappy. One of my favorite sayings is: Pain is inevitable; suffering is optional. If you're suffering, it's most likely coming from your choice to do that. If you feel poorly,[link widoczny dla zalogowanych], it's typically your choice (underlying physical illnesses excluded of course). Are you trying to get by on less sleep than you actually need? Do you even know how much sleep YOU personally need? Are you eating comfort food that's low in nutrition and high in sugar and fat?
• When you were growing up, did your parents practice great self-care?
• Do you have regular meals, or do you frequently postpone or skip meals?
• Do you (or does someone else) cook dinner for you at least once a week,[link widoczny dla zalogowanych]?
• Do you know how many hours you would sleep if there were no alarm or need to get up early?
• Do you get outside for exercise or enjoyment at least once a week?
• Is it hard for you to set a schedule for yourself and stick to it,[link widoczny dla zalogowanych]?
It turns out that self-care affects you and therefore your business on multiple levels.
Here's the deeper level around self-care: if you cannot take care of yourself - I'm not talking about taking care of other people,[link widoczny dla zalogowanych], I'm talking about YOU taking care of YOU - if you cannot do that, that's a warning sign that you may have a problem with your deserve level.
What is self-care?
In order for you to do your best in your business, to continue helping others to the best of your ability, you need to feel GREAT! Not just good, GREAT!
• Want to have a thriving business?
• Want to attract prosperity,[link widoczny dla zalogowanych]?
• Want to have an expansive, abundant mindset?
Superficially, great self-care gives you energy, and YOU are the engine for your business. This is like putting your oxygen mask on first, before you help others with their mask. If you become unconscious from lack of oxygen, you can't help anyone, period.
If you answer NO to all or most of those questions, then self-care is a problem for you. It's also an area that you can invest some energy, time and money, and be confident that it WILL make a difference for you and your business this year.
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Using these tips should help you have a successful phone interview. Of course, the final outcome is up to you.
• List your home phone number and your cell number. Be sure that there are professional outgoing voicemail messages on both. While you may be tempted to have your child or someone else leave a cute outgoing message on your home phone (or any phone number you’re using for your search), this will backfire. Keep it professional and keep it clean and tight.
• Be persistent if you get into a game of phone tag. Perhaps suggest some good times when you will be available to chat; times that you know you won’t be interrupted or otherwise distracted. Common sense dictates that you return calls as soon as you can. In any event, do not let phone tag stop you from pursuing a position.
• If a call comes in and you answer, and you’re distracted (driving, at work, putting your child down for a nap, etc.), ask if you can schedule a specific time to talk. This is not an uncommon practice, and generally will not harm you, provided that you are professional and can schedule relatively quickly,[link widoczny dla zalogowanych], and to the extent possible, accommodate the caller’s schedule. Most people calling recognize that you may not expect their call or that they may have reached you at a bad time.
• Body language isn’t readily visible on a phone call,[link widoczny dla zalogowanych], of course, and so tone and voice inflection may carry unintended meanings. Be especially sensitive to how you’re coming across – be yourself, and also take pains to ensure that you’re as professional and confident as you can be.
• Be ready for the “zinger” questions – the ones that you will have the most trouble answering – questions (however phrased) about weaknesses, past failures, employment gaps, interest in the position, etc. and have answers ready. Canned answers are easily seen though,[link widoczny dla zalogowanych], so be yourself and answer authentically, and of course,[link widoczny dla zalogowanych], honestly. For especially negative situations, figure out a way to put a truthful “spin” on the answer so that the negative can be turned into a positive as much as possible. The point here is not to have “canned” answers, but to have thought about potential questions and answers in advance so that you can be ready and confident when answering these types of questions.
• Run a background check on yourself. No, not the kind you pay for: the free kind. Google. Yahoo. See what comes up. If there are photos of you drunk at a party,[link widoczny dla zalogowanych], or saying negative things about your past or current employer, etc. be assured that the will be found and that they will likely be seen by the person interviewing you. Many, many organizations run Internet searches of applicants just to see what they can find (whether you agree or not, or whether or not this is a good Human Resources practice is debatable; the fact is, it happens. A lot). Clean up your online profile before you start an active job search.
• Your resume is a tool. It got you this far. Have it handy during your phone interview. Have notes written on it about things that you want to highlight in more detail that may come up. Take the opportunity when answering questions to highlight those areas and accomplishments that are relevant. You aren’t sitting in front of the interviewer, and thus you have the freedom to be as comfortable and prepared as you can be; they won’t know that you’re referring to your notes. Use them.
• The most effective way to position yourself as the best candidate is to relate past experiences, particularly solutions to problems that you have solved that have relevance in content or in other ways to the problems that your prospective employer is facing. The interviewer is likely looking for the way you think, analyze, and solve problems – even if they are totally different types of problems from your current or past role to the prospective one. Be ready to provide these examples, and the more that you can quantify, the better.
• Remember that an interview is a two-way street. You may do most of the talking or you may not. Whichever way it goes, be sure to abide by common courtesy standards: don’t interrupt, be respectful, and let the other person talk.
• The best way to think about this call (or any interview) is that it’s a conversation. It should not be an interrogation (although some interviewers like that style, and it’s a matter of personal preference for them). The interviewer asks you questions and you answer, and should have questions of your own (see next bullet). If you’re well prepared, this should be an easy,[link widoczny dla zalogowanych], flowing conversation.
• Be prepared!! There is no excuse not to know all you can about the organization, potential issues they face, how you can solve those issues,[link widoczny dla zalogowanych], and for you to have insightful questions to ask that show your true interest in the position, the depth of your knowledge about the industry or sector, and of course, of the organization.
Ace the Phone Interview!!
Many recruiters use the phone interview as a quick and efficient method of screening potential candidates. While at first glance, it may seem that this is an easier way to be interviewed, in many ways,[link widoczny dla zalogowanych], it is in fact much more difficult. The phone interview derives from a hiring manager reviewing your resume or other application materials and determining that you may be a good fit for a role that is available or that may become available. This is great: it means that your resume did its job and got you the interview. Make the most of the phone interview: it’s the one chance you’ll have at the outset to sell your skills,[link widoczny dla zalogowanych], experience, education, and why you’re a great fit for the position. If you don’t do that effectively,[link widoczny dla zalogowanych], the chances of getting to the next round, generally an in-person interview, and slim to none. A few key factors to focus on:
By Michael Trust,[link widoczny dla zalogowanych], MPA,[link widoczny dla zalogowanych], SPHR-CA
See all Articles by Michael TrustSee Michael Trust's Expert PageGet Updates on Career DevelopmentGet Updates on Michael Trust Average: 5 Your rating: None Average: 5 (1 vote) Tweet
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When you decide to invest in mutual funds or anything else, diversification is the best way to protect your investment. This is one reason why mutual funds are so popular. Mutual funds are an easy, inexpensive way to diversify your investments.

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Owners of top business groups in Korea who are to accompany President Roh Moo-hyun on his state visit to the United States, are expected to leave this weekend,[link widoczny dla zalogowanych], ahead of the presidential entourage. Some are likely to stay on in the country for separate activities even after the president returns on May 17.
Samsung group's chairperson Lee Kun-hee,[link widoczny dla zalogowanych], currently staying in Japan,[link widoczny dla zalogowanych], plans to depart for the United States on his private plane this weekend. Lee is expected to meet with American business and political leaders, including Intel CEO Craig Barrett. The group is hosting a dinner for Korean and American dignitaries on May 12. President Roh is expected to make a speech at the dinner. The Samsung chair plans to stay in the country for about one week after President Roh comes home.
Koo Bon-moo,[link widoczny dla zalogowanych], chairman of LG group,[link widoczny dla zalogowanych], Korea's second largest business group,[link widoczny dla zalogowanych], is to leave for the United States on May 11. In addition to visiting LG operations in the country's eastern regions, the chairperson is also scheduled to meet with top officials of IBM for several business deals. Koo is also to meet W. Alan McCollough,[link widoczny dla zalogowanych], chairman & CEO of Circuit City,[link widoczny dla zalogowanych], Inc. during his visit.
Son Kil-seung,[link widoczny dla zalogowanych], chairman of SK group and also of the Federation of Korean Industries,[link widoczny dla zalogowanych], the largest business-lobbying group the country,[link widoczny dla zalogowanych], is to leave for the United States on May 11 and to return on May 17.
Chairman Chung Mong-koo is expected to leave for the country on Saturday. On top of his mission of participating in various events along with President Roh,[link widoczny dla zalogowanych], Chung plans to visit the construction site of the motor giant's U.S. plant in Alabama.
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Using these simple healing techniques will take the edge off the anguish of those first few days and weeks. It will also clear the energy signature of shock and trauma from your cellular memory. This is particularly important if you want to avoid the experience sabotaging your life in the future,[link widoczny dla zalogowanych].
Feel your heart pumping the colour around your body. Feel the coral energy filling every single cell of your body. Now imagine the energy cleansing the pain and heart-ache from you,[link widoczny dla zalogowanych], making your cells clean and renewed.
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The colour energy which will help you most at this time is Coral; Coral is a mixture of pink and yellow. In colour psychology,[link widoczny dla zalogowanych], pink is the colour of unconditional love, and yellow is joy. The resulting coral colour is very special in colour healing. Contained in coral we have self-love, self-acceptance and self-respect. This colour makes us feel good about ourselves. It honours our sensitivity,[link widoczny dla zalogowanych], it nurtures us, and it allows us to blossom. Whenever you are feeling vulnerable, devastated, dejected or rejected,[link widoczny dla zalogowanych], the energy of coral is like being given a big hug. Use as much of this colour as you can as it will be hugely supportive to you at this time: wear coral clothes and jewellery,[link widoczny dla zalogowanych], find some coral-coloured bubble bath, if you don’t like the colour, you can wear coral underwear!
Flower Remedies
By Anne Whitehouse PhD
See all Articles by Anne Whitehouse PhDSee Anne Whitehouse PhD&#039,[link widoczny dla zalogowanych];s Expert PageGet Updates on Overcoming TraumaGet Updates on Anne Whitehouse PhD Average: 5 Your rating: None Average: 5 (1 vote) Tweet
As the shock wears off, you will move into the next stages of processing the loss, and will finally begin to regain your well-being. Remember that whatever the reason for your relationship breakup, you are worth looking after, and are worthy of being loved for who you are.
If you feel extremely distressed, take four drops of undiluted Rescue Remedy directly on your tongue. Repeat this every fifteen minutes until you feel calmer.
Get yourself the following Bach Flower remedies (available from any health-food store): Rescue Remedy, White Chestnut and Gentian. Rescue Remedy helps with the shock and trauma, White Chestnut helps with the thoughts that go round and round your head and Gentian helps with the sadness. Take four drops of each remedy, add to 10ml of brandy or vinegar as a preservative (choose vinegar if you are taking other medications) and then make the mixture up to about 30ml. Take four drops of the mixture four times a day,[link widoczny dla zalogowanych], or more frequently if you feel distressed. The remedy is perfectly safe and you can take as much as you wish without ill effects. It does not need to be refrigerated.
Take a piece of Rose Quartz or Rhodochrosite crystal. Cleanse it in running water, and then keep the crystal with you at all times. You can also hold the crystal and focus on its energy while breathing slowly for a few minutes. Mentally make a connection with the crystal. The energy of these crystals resonates with the heart centre, and the pink colour has the energy of love. It will help to heal and nurture the energy of your Heart Chakra.
Obviously you need to go through a grieving process for the lost relationship,[link widoczny dla zalogowanych], and that will take time. However, you can help yourself through the first acute stages of pain with these simple,[link widoczny dla zalogowanych], natural remedies and healing exercises.
The person you hoped to spend your life with has left you,[link widoczny dla zalogowanych], for whatever reason. Your heart is broken. Initially, that pain and heart-ache is unbearable and you don’t know how you’re going to get through the next minute, let alone the next day.
Coral Colour Therapy
Crystal Healing
This visualisation exercise is also very supportive. Sit or lie quietly, and imagine that you are completely surrounded by a soft coral-coloured light. Visualise the colour soaking through your skin, soaking into your muscles, your bones, and your blood. As you breathe in, imagine that you are breathing in the coral energy deep into your lungs. Let the energy soak into your heart. Imagine it getting stronger and stronger with every in-breath.
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There are number of strategies that businesses can make use of in order to attract clients online. However, following are some of the skills and methodologies that all online businesses should keep in mind in order to enjoy benefits from their online business.

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The second one seems like a deal-breaker. If the government tries to force health insurers to accept sick patients without requiring the healthy ones to pay up, prices are going to skyrocket -- exactly opposite of the administration’s goal. If the president or Congress tries to insist on this,[link widoczny dla zalogowanych], I think it's safe to expect that we'll see Harry and Louise come out of retirement.
By Ritika Sharma
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The industry basically seems opposed to two issues: If you've got the stomach for the roller coaster, there's money to be made – as long as you believe that the government isn't going to destroy the health-insurance industry while trying to fix it.
While the health securers are sitting at the table,[link widoczny dla zalogowanych], we're a long way from a deal as far as I can tell. That means shares of medical security stocks are going to continue to look like those of Citigroup (NYSE: C), Bank of America (NYSE: BAC),[link widoczny dla zalogowanych], and AIG (NYSE: AIG); any announcement by the government is going to have major effect on their share prices. If you've got the stomach for the roller coaster,[link widoczny dla zalogowanych], there's money to be made – as long as you believe that the government isn't going to destroy the health-insurance industry while trying to fix it.
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A government-run plan competing with private health securers,[link widoczny dla zalogowanych].
Requiring the companies to accept preexisting conditions without making medical insurance a requirement.
I'm not sure the companies really have to win the first point to stay alive. Sure,[link widoczny dla zalogowanych], the government can theoretically do it for cheaper since it doesn't need to show a profit, but let's face it -- government programs don't exactly give you a warm-and-fuzzy feeling. There's a reason that seniors are willing to pay for Humana's (NYSE: HUM) or Coventry Health Care's (NYSE: CVH) Medicare Advantage instead of taking the free Medicare.
In stark contrast to Clinton-era health reform,[link widoczny dla zalogowanych], health insurance companies like UnitedHealth Group (NYSE: UNH) don't seem opposed to President Obama's desire for change in health care. They haven't brought back commercials featuring "Harry and Louise" sitting around their kitchen table talking about what a terrible idea this is.
But they're not sitting on their hands, either. The industry sent its lobbying group,[link widoczny dla zalogowanych], America’s Health Insurance Plans (AHIP),[link widoczny dla zalogowanych], to Obama's health-care summit earlier this month, and Aetna (NYSE: AET) Chairman and CEO Ronald Williams testified before Congress yesterday.
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When you decide to invest in mutual funds or anything else, diversification is the best way to protect your investment. This is one reason why mutual funds are so popular. Mutual funds are an easy, inexpensive way to diversify your investments.

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When you happen to manage multiple retail locations,[link widoczny dla zalogowanych], it may be very difficult to steer the inventory sales as well as your employees. Having a centralized control of all your business locations makes everything run smoothly. POS system has both software and hardware with different features according to your business needs. A typical POS system includes a cash drawer, display screen, barcode scanner and receipt printer. These features are customable and therefore,[link widoczny dla zalogowanych], can be omitted depending on the industry. Due to the breakthrough in technology,[link widoczny dla zalogowanych], the use of touch screens in the retailing industry rise in number. A multi-store POS will manage multiple stores without risking the functionality of each store. It has this specific software where storeowners used primarily to calculate sales,[link widoczny dla zalogowanych], taxes and manage inventory levels of the store. Multi-store POS software tracks your inventory by store level or as group. In addition,[link widoczny dla zalogowanych], sales and profit are reviewed in each store. If new decisions or changes are made,[link widoczny dla zalogowanych], informing other stores is feasible. Because it is a centralized operation, data from all stores are viewed and recorded in one central database. Other multi-store POS functions include purchasing and receiving orders from warehouse, cash register operations, payroll management and customer management. If you have a warehouse for your business operations, most of multi-store POS has warehousing feature where storeowners can order from their warehouse,[link widoczny dla zalogowanych], at the same time from warehouse to manufacturers. Orders of each store levels are converted to purchase orders. These include the quantities of the order and their allocation to each store. Meanwhile, the inter-store transfer feature facilitates inventory management among stores to balance stocks. This enables to accord the stock quantities among stores, then facilitating the transfer of these items from one store to multiple stations. Because the capability of multi-store POS system is very wide, inventory and sales of the store is managed in a flexible way; also,[link widoczny dla zalogowanych], pinpoint items that are on-demand or “best sellers”. Purchasing multi-store POS software is very crucial and may be very difficult just like purchasing other POS softwares. It is advised to purchase such to those reputable companies. Poorly designed software will only give you a lot of expenses and headaches. Through the multi-store POS system,[link widoczny dla zalogowanych], each store level works as efficient as a single store,[link widoczny dla zalogowanych], saving time, lowering administrative costs and improving customer service. Because it involves a comprehensive database,[link widoczny dla zalogowanych], multistore Point of Sale software can process detailed reports and can retrieve data anytime.
By Gregory Roger
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There are number of strategies that businesses can make use of in order to attract clients online. However, following are some of the skills and methodologies that all online businesses should keep in mind in order to enjoy benefits from their online business.

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Keeping Moisture Out of Your Crawl Space
To avoid moisture's negative effects on your crawl space, it should be completely sealed and isolated from the ground. As building codes continue to improve and evolve, the main type of moisture control for a crawl space is increasingly becoming the installation of a vapor barrier system.
Your Arkansas crawl space is probably more important to your home than you think! Your crawl space has the potential to affect your whole house, so it is best to know exactly what is going on. If you suspect that there is moisture in your crawl space,[link widoczny dla zalogowanych], it's best to call in a crawl space specialist immediately.
Dirt crawl spaces are notorious for being damp and humid. This is due to the moisture from the earth that is entering directly through the soils under your home. When the air sucks the moisture from the earth, this moisture contributes to the humidity levels present in the space.
When holes are punctured in a vapor barrier, moisture can seep in,[link widoczny dla zalogowanych], rendering the barrier useless. Conversely, when you have a durable vapor barrier installed,[link widoczny dla zalogowanych], the crawl space becomes an added storage area - as you now have the peace of mind of knowing that your storage items will stay dry.
By Sonia Lara
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A vapor barrier is typically a plastic or foil sheet that will seal the crawl space from the earth and outside air. It's typically installed on the floor and walls of a crawl space. When installing a vapor barrier, it's important to make sure that the contractor uses a durable liner that will not rip when it is crawled upon for maintenance and servicing of your pipes,[link widoczny dla zalogowanych], wires, and utilities.
How Moisture Enters
When you get your crawl space repaired,[link widoczny dla zalogowanych], it's vital that you choose a contractor that you're confident in. You want to fix your crawl space one and for all,[link widoczny dla zalogowanych], so it's best to find a company that has the products,[link widoczny dla zalogowanych], experience and best practices you need to do the right job.
Moisture tends to enter a crawl space through the dirt floor or through vents. Originally vents were implemented in crawl space because the thought was that crawl spaces would benefit from circulating outside air in the same ways that above-grade spaces do. However, crawl spaces are located underground, unlike other rooms in the home. This means that they maintain a cool environment year-round. When warm humid air touches a cold surface,[link widoczny dla zalogowanych], it can drop some of its moisture on that surface as condensation.
Moisture vs. Your Crawl Space
Moisture in your crawl is very serious, as it can lead to musty smells, rodents, health issues,[link widoczny dla zalogowanych], rot, and structural damage down the road. Moisture will create a perfect environment for the mold,[link widoczny dla zalogowanych], fungi and wood-destroying insects. Mold's goal is to consume all dead and organic materials. Organic means that the item was once living. This means that your floor joists provide the perfect food for it to continue to grow and thrive in your crawl space.
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When you decide to invest in mutual funds or anything else, diversification is the best way to protect your investment. This is one reason why mutual funds are so popular. Mutual funds are an easy, inexpensive way to diversify your investments.

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By keeping visuals a top priority, you are likely to grab attention and hold it from start to finish. And, by focusing on easy-to-understand visuals,[link widoczny dla zalogowanych], you’ll keep your message refreshingly simple.
Use this checklist to get prepared, feel ready and ace your presentation.
They have learned specific techniques for breathing,[link widoczny dla zalogowanych], standing, and connecting with their audience. They know that by relying on a simple checklist, they can monitor and master symptoms. Now it’s easy to learn how to manage nervous tension, reduce anxiety, and present like a pro. Whether you choose to learn these valuable skills in a class, an online presentation skills training,[link widoczny dla zalogowanych], or one-on-one with a coach, you will use your skills for years to come.
While planning your important presentation, structure a conversation. Think of give-and-take. Organize your message to involve and include your audience. This requires a different way of planning and organizing information.
When you’re looking for quick answers to prepare for your presentation, use these 5 tips. Interested in online presentation skills training? If you are truly serious about advancing in your career, invest in your skills. In just a few days,[link widoczny dla zalogowanych], you’ll know exactly how to master the skills for exceptional public speaking.
3,[link widoczny dla zalogowanych]. Inspire With Conversations
When is the last time you had a good conversation? Can’t recall,[link widoczny dla zalogowanych]? You aren’t alone. A lot of people can’t remember the last time they had a good heart-to-heart talk with a colleague.
If you’ve ever faced a presentation with increasing nervousness and stage fright,[link widoczny dla zalogowanych], there is hope. Presentation skills training shows exactly how to gain confidence, feel calm, and master the skills you need to be effective in front of groups.
The good news is: you can learn to work with your symptoms. You don’t have to go through the rest of your career suffering from nervous stage fright.
The first step: get to know exactly what your audience needs and wants. This critical knowledge will guide all your decisions about visuals, story, and flow.
5,[link widoczny dla zalogowanych]. Escape Stagefright
While many actors,[link widoczny dla zalogowanych], performers and professional speakers encounter stagefright, they have learned how to cope. What do they know that you don’t?
Remember: you don’t need to become someone else in order to be highly effective in presenting. The more you are yourself; the easier it is to speak with confidence.
Often these emotional treasure troves are challenging to access. You may have been told not to wear your emotions on your sleeves. You may be laboring under the false impression that professional presentations should be cool,[link widoczny dla zalogowanych], impartial and objective.
Are you getting ready for a critical presentation? Are you struggling to calm down, while your heart races and your face gets hot? Learn 5 top tips to answer these persistent problems.
1. Adapt To Your Audience
Is your audience filled with highly educated advisors and academic leaders? Or is your group filled with clients, prospects and business executives? Based on your audience, you must adapt.
Curious how to do this well? Use a visual blueprint, also known as a Presentation Storyboard. This blueprint does the heavy lifting and thinking for you. Just fill in the ‘blanks’ and you’ll have a powerful story-based conversation.
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Repeat that mantra. Make sure it is in bold letters on your desktop. Write it large in full view so you can remember to plan your visual story as the backbone of your presentation,[link widoczny dla zalogowanych].
But not you. Speak with passion. Focus on key problems, critical issues and current challenges. Openly appeal to emotions with stories, personal examples and anecdotes.
2. Capture Attention Visually
“Easy to understand…is easy to buy.”
That’s why you must prepare your presentation, not as a one-directional data dump. Nope. That’s old hat. History. Traditional theory that is out of date for today’s audiences.
While a cool, logical approach is important; it is not your only resource. If tapping into emotions is challenging for you, get help from an objective executive coach. Your coach will help you translate personal experiences into relevant connection points.
4. Connect With Passion
Many professional audiences are bored with data-driven presentations. No wonder. Most PowerPoint-driven presentations are dry, tedious and would put the most interested expert to sleep.
By Milly Sonneman
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There are number of strategies that businesses can make use of in order to attract clients online. However, following are some of the skills and methodologies that all online businesses should keep in mind in order to enjoy benefits from their online business.

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The only qualified borrowers of VA loans are the servicemen themselves under certain conditions and the surviving spouse of servicemen who died in active duty. Loan approval or denial is not up to the Department of Veterans Affairs though, because, ultimately, it is the mortgage lender who will provide the financing. While buyers of VA homes would need to meet the eligibility requirements,[link widoczny dla zalogowanych], the lender will have their own set of requirements that need to be met as well.
A VA loan would be enough to cover your entire purchase,[link widoczny dla zalogowanych], and qualified borrowers can avail up to $400,[link widoczny dla zalogowanych],000 plus. The maximum loan amount goes higher in Alaska and Hawaii. You can also take out a loan to refinance your existing mortgage for up to 90 percent of the value of your property.
By Wagner Leite
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VA homes can be purchased through financing provided by a mortgage lender. The lender has a set of requirements before approving a loan application. At the minimum, they would require the submission of documents that signify the borrower’s ability to service the loan. These would include,[link widoczny dla zalogowanych], but is not limited to,[link widoczny dla zalogowanych], income statements, social security number,[link widoczny dla zalogowanych], personal savings and others.
The VA also has an inventory of foreclosed properties that they offer to the market at a much lower price. Buyers need to know though,[link widoczny dla zalogowanych], that VA foreclosures and homes purchased with a VA guaranteed loan must become the borrower’s primary place of residence. This is one of the main requirements for VA housing.
Before searching for VA homes,[link widoczny dla zalogowanych], you should first determine if you are eligible to avail of the Veterans Affairs home loan guarantee. To avail of the loan, a borrower must be able to present a Certificate of Eligibility or proof that they are a veteran of the US military. VA home loans are offered to both retired and active duty military personnel for their purchase of a home. The VA does not provide the loan,[link widoczny dla zalogowanych], but guarantees it 100 percent at competitive interest rates. VA will not require borrowers to pay mortgage insurance and the agency works hard at limiting the fees charged to protect borrowers from predatory lending practices.
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How to Avail of the Home Loan
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