Waste is extremely unpleasant for everyone, but I tell you waste also can be used as a source of livelihood of people, a source producer of money, waste is now recyclable, and the like, here we offer you the most trusted sites and Solvent Recovery Equipment comprehensive directory on the Internet. A wide Solvent Recovery Equipment resources are compiled in the industry portal which proves information on manufacturers, distributors and service companies in the industry Solvent Recovery Equipment.
Solvent Recovery System, ADF, PRI and NexGen. Equipment size to meet the needs of small users, and industrial factories largest. Technical assistance and training arrangements to use the equipment we sell. We will not forget you after the sale.
Technical help in the purchase or setting up almost all brand recycler. Used equipment that has been reconditioned by our factory trained technicians. We can find a unit within your budget. Filter, soap, spare parts, and service after the sale
Solvent recovery liners and bags for each unit, the stainless steel and clamp the lid down. As a microprocessor-controlled thermostat raises the temperature above the boiling point of solvent recovery, solvent evaporates into the gas through the exhaust pipe insulation into the air-cooled condenser where it condenses into a solvent that can be reused. Solids remaining in the bottom and can be removed for disposal systems and is ready to process the next batch.
Waste Recovery Systems, is a leading provider of environmental services industry, transportation and disposal of waste, and special security services. Our depth of expertise from more than 30 years of experience. You will find experts to handle all industrial cleaning, waste & environmental services, and transportation needs.
Monday, November 23, 2009
Solvent Recovery System
Saturday, November 14, 2009
Exhibit booths and trade show displays
Ever you are in a trade show displays, in a trade show displays a lot of different merchandise type and quality, Exhibit booths to get a clear picture of what this site all about. You will also get to know about the size, weight, color of all the product display. Do not miss this opportunity, You can get complete trade show displays. Many people around the world are using camelbackdisplays for getting best items,
They have satisfied their customers for truss, logo floor mats and exhibit booths. You can also get other items from there. You can fulfill all of your need from there. They are very supporting people. The exhibition is an effective tool to search for market opportunities, introduce the business, and to capture potential customers. So before deciding to join the exhibition, determine your target market first by keyword, trends what is going on in people's minds when they intend to find the product that we promote. So do we have to choose a contractor jelly exhibit.
Unlike the mall visitors who are not segmented, the characteristics of the exhibition visitors is very specific, focused and they have set aside special time to visit the campaign arena. Actually, also depends on the shape and theme exhibitions. Exhibition design itself be an attraction for visitors. Choose the architectural design of the exhibition is of interest to improve your score.
If your booth visitors are businessmen (hope was always they who come) they are usually more interested in business than just buying the products on display. Because it should never surprise a reality very few exhibitors reap a profit from these arenas. Dudukanlah exhibition event that is as it should be a recycling campaign. You must be observant to use interior design in the exhibition that followed.
Monday, August 10, 2009
Order fulfillment
This article related to the sale of the Order fulfillment and shipping to customers products, order fulfillment sometimes used more narrowly to describe the action, or logistics distribution function, but in the broad sense refers to the way companies face customer orders .
Here we offer you to order products from our company in http://www.amsfulfillment.com we can serve you well and guaranteed satisfactory, because in each of our products to give a special price for those of you who want to subscribe to our products, for product fulfillment that you wish to order fulfillment, you can go directly to our site for more details .
AMS Fulfillment is a leading 3rd party fulfillment services company. We offer warehousing, inventory management, and fulfillment services, the use of our services are more in value and there is no doubt by many companies, for that we are always trying to improve the quality and the quality of goods or products for your satisfaction, Educated workforce and our experienced and trained to handle repairs and improve equip engine and handling problems both Onsite as well as in the workshop.
With planning and careful handling that we believe can meet the needs of customers in the areas of Engineering, Fabrication, Construction, Electrical Instruments and other goods and services.
"QUALITY SERVICE AND QUALITY IS OUR" so that the customer can become our partners. And we are also ready to provide services in a professional and reliable.
Friday, August 7, 2009
Trade show exhibits
Yesterday I just see the trade show exhibits of material made of wood are so many companies that offer their goods to the newcomer, but here I interested in the Camelback Displays Inc. offers on the directors chairs made from wood antique hardwoods with a cool style, not only seats are also offered but various goods of high quality such as table covers, table covers also have a data range attraction with a unique image for a long cloth drape each side of the table to create a table that have become common table and a luxurious look expensive if you add in the table top display.
Sunday, July 5, 2009
Herbal: savor Young Corn
By bambangwahono Info on health care, nutritious plants, natural treatment. Leave a Comment
Corn is one of the popular food crop in indonesia. In addition to tasty boiled, burned, or made brondong maize, corn is still young in fact have a remarkable property. In addition to the fruit / meat of young corn, corn hair has also savor for health.
Several types of disease that is cured by dapt young corn is: injal stones, gall stones, high blood pressure.
Air stew corn cob and hair can melarutkan young kidney stones. In addition, it is also useful seduhan treat gallstone disease, and high blood pressure.
Kidney stones
Ingredients: 4 Corn young cob, Corn Dogs 1 handheld, porcelain scoundrelly fresh leaf blade 8
Ways of making: All material boiled in 110 ml of water. Stew drink water once a day, for 14 days. Once out of stone, such as gravel, grain and yeast, treatment should be stopped immediately, and then forwarded to the drinking Jamu mustache and Cats Meniran. How, taken each 30 gr meniran leaves and leaf mustache cat, diseduh such as tea.
Gallstone
Ingredients: Corn cob 5 young, fresh herb stash Cats 5 grams
Ways of making: All material boiled with 110 ml of water. Stew drink water once a day, for 14 days.
High Blood Pressure
Ingredients: Corn cob Young 5-7, 1 handheld Corn Dogs
Ways of making: All material boiled with 110 ml of water. Stew drink water once a day, for 7 days.
You should note, do not use too much hair corn as drugs, because it can lower blood tekanand drastically in a short time.
Aspects of FOREX
There are 5 essential aspects of foreign currency market. Understanding these sides of trading is crucial for arranging your FOREX trading experience. Fundamental Analysis is the process of market analysis. Fundamental analysis can be a part of any financial planning or forecasting. FOREX fundamental analysis deals with interest rates, central banks decisions, global industrial, economical, political and weather news. Fundamental analysis is the most natural way of making FOREX market forecasts. Technical analysis relies only on market data numbers - quotes, charts, indicators, volume of supply and demand, etc. The main idea is the dependence of the future market technical data on the past market technical data. Money Management is a set of rules which you develop to set your own trading style and amount of money you have for trading. Money management plays very important role in getting profits out of Forex. FOREX Trading Psychology is crucial. You need to master your emotions to keep your trading performance under strict control of mind and intuition. Controlling your emotions in Forex trading is often a balancing between greed and cautiousness. Almost any known psychology practices and techniques can work for Forex traders to help them keep to their trading strategies rather to their spontaneous emotions. Forex Brokerage is the last essential aspect. Every Forex trader like any other professional needs tools to trade. One of these tools is a Forex broker, or an on-line Forex broker - a company which will provide real-time market information to trader and bring his orders to Forex market.
Common Mistakes in FOREX
In FOREX capital market every trader makes mistakes. Errors in Order Entry. The quickest way to lose money in FOREX is to make mistakes when you place your orders. Fortunately, every trade entry today has some kind of order confirmation mechanism. Use Only Risk Capital. The Golden rule of FOREX is to play with small amount of money so even if you lose it, there is still plenty left on account. Risk money should be amount that you would be comfortable to loose. Start With Enough Capital. If you are considering doing serious business in FOREX, than it is good idea to start with a bigger account. Accounts that are too small have proportionally larger fees and sometimes can even have certain limitation in trading. Understand the Risks. This is very important factor. FOREX is highly related to different kind sof risks and you have to be aware of them. Sometimes market crushes suddenly and you can not do much about that, but there are some signals like government crisis, officials statements, market trends that troubles might be on horizon and you have to prepare yourself to that. Take the Time to Learn. The biggest mistake a new trader can make is to start playing unprepared. The basic knowledge of FOREX can save big money.
FOREX Trading System
Ask yourself, how many traders achieve consistent profitable results trading in the Forex market? Unfortunately, according to statistics, only 5% of traders achieve this goal. One of the main reasons of this is because Forex traders focus in the wrong information to make their trading decisions and totally forget about ‘Price behavior’ factor.
Most Forex trading systems are made off technical indicators. But what are technical indicators? They are just a series of data points plotted in a chart. These points are derived from a mathematical formula applied to the price of any given currency pair. In other words, it is a chart of price plotted in a different way that helps us see other aspects of price.
Trading decisions based on technical indicators without taking price action into consideration will give us less accurate results. If the price suddenly starts to bounce back off that important level there is no point on taking this signal, price action is telling us the market doesn’t want to go up.
How to create a perfect Forex trading system?
You need to make sure your trading system fits your trading personality; otherwise you will find it hard to follow it. Every trader has different needs and goals, thus there is no system that perfectly fits all traders. You need to make your own research on various trading styles and technical indicators until you find a concept that perfectly works for you.
Incorporate price action into your system. So you only take long signals if the price behavior tells you the market wants to go up, and short signals if the market gives you indication that it will go down.
You need to have the discipline to follow your Forex trading system rigorously. Try it first on a demo account, then move on to a small account and finally when feeling comfortably and being consistent profitable apply your system in a regular account.
Monday, June 15, 2009
Money Management
Trade with sufficient capital One of the worst errors than the tradesmen of forex can make tries to trade without sufficient capital. The tradesman with the limited capital not only looks at to reduce to the maximum of the losses beyond the point of the realistic trade, but it will be also frequently taken out of the commercial play before it can carry out any direction of the trade of success. Discipline exercise The discipline is probably one of the words surutilis�s in the commercial education of forex. However, the discipline continues to be the behavior the most important one can control to go well to an advantageous tradesman. Discipline is the capacity to envisage your work and to work your plan. It is the capacity to give to your trade the hour to develop without being caught with haste out of the market simply because you are uncomfortable with the risk. The discipline is also the capacity to continue to trade the methods and the models even after the you.ve recorded losses. Made your the best to cultivate the degree of necessary discipline being a tradesman world-class. Appointment counts Never follow blind man to enter the market initially, figure things outside before plunging inside. Do not be avid, are the patient and laid down realistic objectives daily. Admit your errors and make them never yet. You should be open of study. Invest your valid time include/understand with sincerely and completely complexities and the basic principles of the trade of forex.
Forex Strategy
Here some things which you should get information about the trade of forex if you want to gain a certain true amount of money. Follow the tendencies. Anyhow much of factors take to you into account, it always goes down to a degree from conjecture. There is much money to make from existing already simply according to, reliable tendencies that to jump inside and outside as him is reversed. Have a commercial plan. Your doesn of plan 't must be very precise. You must fix some limits for yourself. It takes much discipline to be commercial succeeded of FOREX. Frequently you will feel your beginning of emotions to play in and to affect your decisions, but you the 'VE obtained to do what 's finally better, think rationally and sell when you must be sold. Use a commercial program. The commercial programs of FOREX slowly become the new level of the trade, with more than 30% of all the tradesmen currently by means of them maintaining in 2009. In fact programs trade automatically for you by analyzing data in real-time of the market and reacting consequently. They are also like effective for beginners as well as the tested traderss.
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Forex Rule
The tradesmen of FOREX should employ the free account of demonstration to study the trade of FOREX The beginners must patiently study. The tradesmen of FOREX of beginner can initially examine the account of demonstration where they can study the process, develop the commercial strategy of various FOREX. If their possibilities of carrying out the benefit increase day after day, this indicate that a tradesman of FOREX of beginner could establish the true account of trade of FOREX. Employ the stop loss to reduce the risk The tradesman of FOREX must be able to allow himself to take the loss. Using the stop the loss will prevent any other loss, the loss accessible depends on the situation available from margin on account. If there is a stop loss, the tradesmen of FOREX should not feel the inversion because him or it prevented the loss from becoming worse. The margin of account must be sufficient Less the trading margin, plus the risk is large, therefore beginners must avoid leaving the margin of account are too little. Such a quantity of account does not make it possible any error to occur. Even a well-tested tradesman of FOREX can make errors. Record the commercial details The beginner should record all the commercial details, if there is certain news or other reasons which influence profits and losses. The tradesmen of FOREX cannot remember the history of each trade, therefore the recording is useful by increasing commercial qualifications of FOREX. Do not enter the market of FOREX after manufacture of the loss Ardently do not open a new market situation reversed in order to recover loss. This will make only the situation worse. Do not play with the market of FOREX by the estimate.
Forex Tips
Will know your report/ratio of risk against your report/ratio of incomes.The analysis of the risk and the benefit is extremely important for any tradesman of FOREX. The minimum risk that should employ to you is 2: 1. If you trade the GBP/USD and you want to gain 50 pips, should not risk to you more than 25 pips. Have a suitable capital.If I lose 50% of my capital starting during one 6 months time, I can nevertheless be commercial? Only if the answer is .yes you can start to trade. Your commercial freedom should not be influenced by your fear to lose. Is it a tendency or a neutral?Learn how to analyze the market of FOREX. In a market trend, follow the tendency, on a neutral market, low purchase and the high one of sale, since you employ the stop loss, and order you your risk. Include/understand how the market thinks.Everyone should accept that any information is already included in the price of a pair of currency. You must know the indicators to come, and you must know what is already envisaged by the market. The large majority of the publications of the market is already envisaged and the prices by the market. Will know why you are in a trade.Keep a newspaper of your trade and record exactly why you entered each trade. Do not be impulsive and do not follow your strategy, in this way which you will learn which strategies function for you the long run and what do not function. Study.Learn the new ideas, hold up to date, and do not trade on the ideas of others, should always know to you why you are in a trade of FOREX.
How to Succesfull in forex
A lot of people want to start trading in FOREX and be a success. If you want to be successful in FOREX, you should follow these simple rules. Have a System. Every successful trader has his own system. That is basic philosophy in FOREX capital market trading to find unique, profitable system and to repeat it constantly. That is a big secret of many millionaires. Without system you could be impacted by unsettled conditions of ever-changing markets. Trade Small. When you are not certain that it is a good time to trade, try to play with smaller amounts. This will give you a protection from big losses and an opportunity to test the market and discover trends. Constant successful small can bring nice gains. Risking too much money in single trade can easy jeopardize your brokerage business. Don't Trade Too Often. Maintaining control over emotions is very important for every trader. After a successful trade you can feel that you have found a winning formula and that every other trade will bring large money. That could make you leave, already discovered winning system and try to make some risky trades. Take some time to analyze every trade.
Keep CEOs awake at night
The sleep worried 'was a novel by Sartre after the second world war that the majority of asylum of C.E.O. 'of S probably 't read. Instead of that they remain to the top the night seeking of the loopholes as Peter Drucker 'concept of S who it shouldn of wages of President 't are higher than twenty times the average workman the 'compensation it of S are morally and socially unforgivable, and we will pay an high price him. - Drucker.C.E.O. 's is concerned with drilling ANWR and California/Florida at sea to eliminate the United States 'the future reserves crude oil of help of S in order to lead to the top of oil in ten years to $500 barrel-that should maintain them let us peons controlled to pay gas for S.U.V. 'reasons of Scrooge of President of S while it counts slaves jumping by rings of fire to sleep fortunately.
Instead of remaining to the top the late reading about the age of reason C.E.O. 's of some companies can be worried by increasing provisioning of labour at reduced price to promote the lower wages and the wonder how to keep the congress to fix the Mexican border. A last second common idea of sleep of r.e.m. in the collective prototypes of C.E.O of without knowledge is the model to keep the reformer John McCain out of the White House because it can require to cut the expenditure of barrel of pig out of the invoices before it signs them.
Contemporary America is indicated by being much as the nation was in howl 20 's of the by far seeing interference government of the 20th century with the market. The President the 's benefit from the collapse of the federal reason according to the cold war and increase overall facilitated by economic scenes on side of the offer leaving the catch of taxpayers the bag on all. The President the 's must worry from where the labour at reduced price can be found overall and in the way in which American wages can be reduced so that approximately each one increases benefit of corporation.
A certain concern for C.E.O. 'of S too about the superconductive accelerator of cargo of spiral of electromagnet which could be built with the taxpayer places into 2015 who could reduce the exchanging long-distance carrier of 70% and costs of 300% around the corridors chosen at the United States. More competing America WITH a FASTER and Cheaper Transport infrastructure can also have more independent companies with little C.E.O. 's obtaining with wages 3000 times which of the average workman.
It is easier for benefit and reductions of the taxes of corporation so that the rich person are invested thereafter in the bonds and the stock which rise while the wages fall. He is more practical to reduce the investment of capital in American industry and to invest it in China and India where work is cheaper economic growth and more quickly by far annually. While the United States has the policy inflation to satisfy thus
Tips tricks blogger
How to Search Tips tricks Through With Money Blog. When you have a blog with a posting ajeg interesting and have the visitor traffic that much, so that you can use as a field to carry money or money dollars. Now I will show you the way you can be rich through blogs, there are several sources of revenue that flows will continue to meet your bag.
1. Ad. This is the most common performed blogger, not a bit of a blogger have got millions of rupiah per month (Bloggerer). Program ad the most widely used is Google Adsense, WidgetBucks, bidvertise, kumpulblogger, and Text Link Ads. do you install a script and a list of its ad in your blog, I have a blog visitor clicks the ad you will be able to commission. To start the ad kumpulblogger you can click here.
2. Affiliate Program. Many types of affiliate programs you can follow. foreign affiliate program that is good as Clickbank, Linkshare, Commission Junction, and Amazon, or affiliate of such download rapidshare, ziddu, etc.. I do have a list on the affiliate program through your link, then you get a commission, or if the affiliate download, you have to download from your link, you will be able to commission.
3. Review. Here, you will be paid to me or rate-review, told a web blog or a product-specific product in accordance with the criteria of the request.
4. Ad directly. Opportunity to add purse money through ads directly open wide. That is, companies or institutions who are interested promotion through your blog, can serve ads directly without intermediaries. You can also pinch the ball with the offer to them. But they certainly do not want to install the original ad, but also see if your blog traffick high, your blog visitors in accordance with the company's target market, and the image of your blog does not disrupt the image of the company. therefore blog traffic (the number of visitors) are very influential.
5. Selling Blog. You can create a blog with the aim of re-sale. If your blog high trafic, usually much interested in buying. Abroad, this is already common. So you live a blog, and then sell them with higher prices. Then you live a new blog to be sold again and again.
6. Consultant Blog. You can be a consultant for people who intend to make the blog. You can attach rate for each consultation. Abroad, professional consultant this blog is growing rapidly. And in our country, this profession has begun to stretch. Start with the growth of the corporate blog, you can target company-the company as a prospective client you. or even a friend, your family and relatives.
7. Seminar. You can create a seminar on the blog. Or a specific theme, such as blogs that you have. This is one way to have more money into your pocket.
8. Business Writing Blog (content writer). Because the contents of any posts, especially blogs, can also make your revenue opportunities. You can offer themselves to fill the blogs of others.
Very much a source of income you can make with a blog? Principle, never satisfied with the revenue that you have for this. Continue to create new sources. With creativity, you can certainly develop a new source of income, unexpected. With the increase of the flow of money, than surely increase the flow of money, you also reduce the risk of business failure. And there are many ways to earn money through the internet, start from now.
The tradesman of forex
Naturally, each investment is risky but the risks of the loss by trading the contracts off-exchange of forex are even greater. That 's why once you decide to be the player on this market, you 'd carry out best the risks related to this product for makes decisions suspended before the investment. In the forex you actuate large amounts of money, and him 's always possible that a trade will be turned over against you. The tradesman of forex should know the tools of the commercial losses and advantageous and careful minimizations. He 's possible not to reduce the risk to the minimum but nobody can guarantee to eliminate it. The Off-exchange trade of foreign currency is very risky businesses and can not be suitable for all the players of the market. The only funds which can be employed for the speculation in the trade of foreign currency, or any kind of strongly speculative investments, are funds which represent the venture capital - for example, of the funds you can be allowed to risk without worsening your financial position. There are other reasons for which the trade of forex can or can not be a suitable investment.
Saturday, June 13, 2009
Obama administration attempts to block CIA suit
SAN FRANCISCO—The Obama administration is asking a federal appeals court to reverse its ruling that foreign prisoners can sue a company accused of helping plan secret CIA torture flights. The U.S. Justice Department argues in a filing Friday with the 9th U.S. Circuit Court of Appeals in San Francisco that permitting a lawsuit over the government's extraordinary rendition program "would pose an unacceptable risk to national security." The CIA is accused of ferrying the terror suspects to other nations to be tortured. An appeals court panel ruled April 28 that the lawsuit can continue. The five plaintiffs are suing Jeppesen Dataplan, a San Jose subsidiary of the Boeing Co. Three were eventually released without charges, while the others are in custody in Egypt and Morocco.
California Budget 101: Making sense of the state's financial meltdown
Here we go again. When it comes to the state budget, the only thing that seems to change is the number of billions by which it's out of balance. A year ago, state officials had to plug an unthinkable $15 billion. A few months later, as the economy worsened, they were faced with an insurmountable $40 billion. And now, even after Gov. Arnold Schwarzenegger and legislators passed a package of spending cuts and tax hikes that was believed to have tamed the deficit, the state faces a staggering $24 billion shortfall through the center of next year. Staples of the modern-day state - from welfare and health care for the poor to funding for our children's education - are on the chopping block. State Controller John Chiang has implored the Legislature to pass a budget by Monday to avoid a fiscal meltdown this summer. But legislators are expected to miss that deadline by at least a few weeks. Of course, California isn't alone; governments across the country are grappling with the deepest recession since the Great Depression. But in some ways, the state's woes are self-inflicted: Our fortunes rest with a system that produces huge tax windfalls when the economy flourishes, then acts as if the good times will never end. Today, we take a crack at demystifying the state budget. The goal: to help you understand how we got into the current fix and why Sacramento has become so dysfunctional when it comes to managing the state's finances.
Creating A Realistic Budget
SET YOUR FINANCIAL GOALS
As with any other area of your life, it’s pointless to start down a financial path if you don’t you have some idea of where you want to end up. What is your REASON for creating a budget? Do you want to pay off your debts? Save for your kids’ college education? Put money away for retirement? Make a list of your financial goals for the next 6 months, year, 5 years, 10, 25 – all the way through to old age. And don’t spend a lot of time worrying about feasibility – if your goal is to be debt free in a year, don’t think about all of the reasons why you won’t be able to make it by that deadline. Just remember, where there’s a will, there’s a way!
CREATE THE SHEET
Start with either a sheet of legal paper – or a spreadsheet program – and create 12 columns. Label the top of each column with a month of the year, from January to December (duh!) Each row on your sheet will represent a different living expense – groceries, gasoline, Starbucks coffee in the morning on the way to work. You’ll have better luck remembering everything that you spend money on if you think according to categories. "Automobile" would include gas, repairs, insurance, and taxes – while "grooming" might be divided into clothes, makeup, haircuts, and facials.
TRACK YOUR EXPENSES
How can you know what steps you need to take to reach your goal until you know exactly where you are right now? Most of us don’t have a clue where our money goes – credit cards and ATM’s make it easy for money to just slip through our fingers. The first step is to create a list of STATIC EXPENSES – things that cost the same amount every month, like rent and your car lease and student loan payments. Now these expenses are not completely "static" in the strictest sense of the word. You can reduce your rent or mortgage payment by finding a less expensive house – and you could increase your loan payments to get rid of the debt faster. But for now, just itemize your regular monthly costs.
Next, you want to evaluate your VARIABLE EXPENSES – those costs that fluctuate from month to month. Groceries, entertainment, utilities, and clothing all fall into this category. The great thing about variable expenses is that you control (at least to a certain extent) how much of your budget these items eat up. But some of these costs come in large and unexpected chunks – like car repairs and medical bills. So you might need to go through your last 12 months’ credit card and bank statements to get a clear idea of how much daily life costs you. And don’t forget about those expenses that are paid only intermittently – like insurance. Tally each expense and divide the total by 12, to give you a clearer idea of how your costs spread out over a year’s time.
ROOT OUT MONEY LEAKS
Now I guarantee that you will not remember every expense, no matter how hard you strain your brain! Think about all of the things that you buy throughout your week without really paying attention – snacks at work, a magazine when you stop for gas, that cup of coffee on your way in every morning. And don’t forget about the expenses you are racking up because of financial disorganization – interest charges on your credit card debt, late fees because you forgot to return that movie on time, overdraft charges because you didn’t balance your checkbook. All of these fall into the category of unconscious spending. You just do it because it’s a habit. And although you think that a dollar here or fifty cents there is insignificant, it can really add up.
So for a month, record every penny that leaves your hand, in the form of a check or cash or a credit card transaction. This may sound like a huge challenge, but you can do it! Make it convenient – my husband stuck a small pencil and piece of paper in his wallet so he would be reminded to make a note every time he made a purchase. You will be stunned when you see where your money is really going! My husband was shocked to find out that he was spending almost a hundred dollars a month on that morning coffee (am I picking on Starbucks too much?!) What’s your vice – eating out when you are feeling lazy? Buying every new CD or magazine that comes out? I’m not suggesting that you completely eliminate these habits – just that you decide how often you can reasonably afford to indulge and still reach your other financial goals.
DON’T FORGET YOUR DEBTS
It’s also important that you have some idea of your liabilities – debts that still have to be repaid. Did you figure these payments in with your monthly expenses? If you are only counting the minimum monthly payment, you will never pay your debts off. You may not be able to do it right now – but after we get your budget in order, the goal is to pay at least double the minimum amount on at least one of your liabilities each month. You should start with the credit card or loan that has the highest interest rate – then tackle the next highest after the first debt is paid off. And if you can afford to pay more than double, go for it. You aren’t really free to start working on other financial goals until you know you are debt free.
TALLY UP YOUR INCOME
Do you really know how much you make? The tendency is to quote whatever is printed on your employment contract – to say, "I make _____ a year." But after taxes and Social Security and any other items that are deducted from your check, what are you actually bringing home? Take a minute to really examine all of your sources of income and calculate an honest total – you can’t have a realistic budget without it!
WHAT’S THE VERDICT?
So, comparing income to expenses, how does it look? If you came out in the black, congratulations! How much do you have left over? Regardless of how small or large the amount is, start stashing it away into savings and investments! Your choice of how to proceed will depend on your financial goals – investing for retirement will involve less liquidity and more risk than just saving for next year’s vacation. The main thing to remember is that you should build your savings and investments into your budget just like a bill – and take care of these long-term responsibilities FIRST, before other costs. That’s the secret to good financial management.
Now, if you ended up in the red, we need to talk. The first step is to look at spending which can be reduced or even eliminated. Start by examining those "spending leaks" – if they give you pleasure and satisfaction, dandy. Certainly late fees and interest charges don’t fall into this category! But you can still overdo a good thing. Ask yourself if eating out 4 times a week gives you 4 times more pleasure than doing it just once. And could you get as much pleasure if you cooked a good homemade meal? Is the ridiculous mortgage on that 10,000 square foot house worth it? Or could you be just as happy (or even happier with less financial stress) in a place half the size? Also look for convenience expenses – things that we spend money on because we are overwhelmed, too busy, or just worn out. Perhaps by re-evaluating how you use your time, you might discover that many of these expenses are just symptoms of misplaced priorities. When you arrive at a place where all of your spending decisions are DELIBERATE ones, you will find yourself several steps and quite a few dollars closer to a balanced budget that allows you to reach all of your financial goals.
Making Money
I’ve saved the best for last. If you can master even one of these, you’ll have a head-start on your friends. Master all four, and you’ll be on the road to wealth. No kidding.
* Spend less than you earn. Don’t earn much? Then don’t spend much. If your spending and income are roughly even, you have two choices: earn more or spend less. When I was in college, I worked as many as four jobs at once. This gave me a lot of spending cash. (Unfortunately, I didn’t do a good job with the spend less part of the equation.)
* Be an outstanding employee. Good work habits can pay enormous dividends, leading to recommendations and contacts that you can use after you’re out of school. Several of my classmates turned work-study jobs into launching pads for future careers.
* Start your own business. Can you install a hard drive? Can you strip a computer of spyware? Can you perform minor car repairs? Do you have a pickup truck you could use to haul furniture? Are you a passable guitar player? Charge cheap rates and exceed expectations. Word will spread. When you’ve built up a customer base, you can raise your rates a little. This is an awesome way to make money.
* Learn to invest. Find a discount broker and begin making regular investments. Sharebuilder is a great choice for college students. It costs only $4 to make a scheduled stock purchase, and you can invest any amount of money, even $20. Don’t obsess over the details yet. You can worry about high returns and low fees later. Right now the most important thing is to develop the investment habit. (Ad: Buy Stocks for $4 at ShareBuilder.) Ten years from now, you’ll thank yourself. If you can find a way to invest $1000 a year for the next ten years, you can set yourself up for life. No joke.
ShareBuilder-Welcome page
You’re ahead of the game just by reading this list. Now do yourself a favor: subscribe to Get Rich Slowly via RSS or via email (see the sidebar). Then go visit I Will Teach You to Be Rich. Ramit’s advice is targeted directly at young adults.
Also, if you can find it, pick up a copy of Young Money, a magazine for college students. (Browse the magazine’s archive of money management articles online.) Finally, download the free PDF “40 Money Management Tips Every College Freshman Should Know” from Scholarship America.
Could Palin flap be Letterman's Hugh Grant? what do you thing
Under withering criticism in Congress, General Motors and Chrysler executives on Friday called the closings of hundreds of dealerships painful steps needed to right-size the auto giants. Down-on-their luck dealers said the moves would needlessly devastate their local economies and livelihoods.
"Many dealers and the communities they serve frankly feel blind-sided," said Rep. Greg Walden, R-Ore.
GM CEO Fritz Henderson told a House panel the dealer cuts were "quite painful" but necessary to save over 200,000 jobs at GM's remaining dealers.
"In essence, this is our last chance," Henderson told the House Energy and Commerce Committee's oversight and investigations subcommittee.
Chrysler Deputy CEO Jim Press said the cuts were part of the shared sacrifices by the United Auto Workers union, bondholders and others needed to avoid liquidation.
"Going through bankruptcy was not our choice," said Press, who along with Henderson and the other witnesses were required to raise their right hands and testify under oath.
But the committee heard from shutout dealers such as Frank Blankenbecker III of Waxahachie, Texas, whose voice cracked as he recalled the hard work of his father, a World War II veteran, to build their family business.
"I am glad that he is not alive to witness this travesty. To have risked his life for a country that would do what they are doing would destroy him," he said.
The carmakers' explanations won few converts from House members, who wagged their fingers at the executives and questioned their motivations. Many of the dealers, they argued, had been profitable and received little warning or opportunity to plead their cases.
"There's something wrong with a business model that basically says, 'In order to survive, we've got to crush our local dealers,'" said Rep. Peter Welch, D-Vt.
Rep. Mike Burgess, R-Texas, confronted Henderson about GM's decision to maintain a parts distribution center in the district of Rep. Barney Frank, D-Mass., the chairman of the House Financial Services Committee. Frank had urged Henderson to keep the facility open.
"What is the number I need to call? Is it 1-800 Car Czar?" Burgess asked. "I have a nagging suspicion that there is a political calculation."
The committee released a GM document that, for the first time, provided a state-by-state list of 1,323 dealerships the automaker plans to wind down. Pennsylvania had the most with 90, followed by Ohio with 79, Illinois with 66 and California with 65. Alaska was the only state spared. GM has declined to release the name of individual dealerships.
Among Chrysler, Dodge and Jeep dealerships, Pennsylvania has lost 53, followed by Texas with 50 and Ohio with 47.
Chrysler is closing 789 dealerships and GM plans to cut about 1,350 by the end of next year. Lawmakers said the cuts would hurt many rural communities, forcing consumers to drive long distances to have their vehicles serviced.
"When it comes time to purchase a new vehicle, many of my new constituents will abandon GM or Chrysler and go to whichever brand is still locally sold by a person they trust within their community," said Rep. Bart Stupak, D-Mich., the subcommittee's chairman.
Dealers said the closings put 100,000 jobs at risk and charged the companies with failing to be transparent about how they reached their decisions. Many dealers said their stores had been performing well despite the economic downturn.
"We have been GM to our community," said Bob Thomas, owner of a Chevrolet-Cadillac dealership in Bend, Ore.
The auto executives said their companies have been slowed by too many dealers, with many representing the same company often competing against each other for sales. Many dealerships date to the 1940s and 1950s, they said, when motorists lived farther apart and Detroit automakers dominated the U.S. market.
In total, GM is expected to reduce its dealer body by 2,500 through the shuttering of dealerships, anticipated attrition and the shedding of its Saturn, Hummer, Pontiac and Saab lines.
Henderson told the committee that 856 dealers had appealed GM's decision to sever ties. As of now, GM has reversed itself on 45 of them, he said.
GM said in the document that the company judged dealerships based on their sales, customer service index, capitalization and profitability. Sales accounted for 50 percent of the score and customer service was worth 30 percent. Dealers scoring less than 70 received a wind-down agreement.
Italian automaker Fiat Group SpA closed a deal earlier this week to become the new owner of most of Chrysler's assets, saving the company from liquidation. The new company is called Chrysler Group LLC.
GM filed for Chapter 11 protection on June 1 and the company hopes to emerge from bankruptcy as a new company in 60-90 days.
take from yahoo.com new
Wednesday, June 10, 2009
Valdano: Madrid Nego CR7
General Director of Real Madrid, Jorge Valdano revealed that Los Blancos center opened negotiations with Manchester United. What's more, if not Madrid target Cristiano Ronaldo. A concrete step of Florentino Perez, President of Real Madrid, who want to raise romansa Los Galacticos.
Perez revealed that the size of the plan in the stock transfer is a wholesaler memboyong two degrees of the World Open in the last two years: Kaka and Ronaldo (Read: Asa Strong Perez bell Kaka and CR7). Kaka has been obtained, the next CR7. Speaking in TVE, as quoted Goal, Ronaldo fan Valdano with flattery.
11/06/2009 01:22
"According to information we collect. He (Ronaldo) is a professional player. He was always serious in practice. He is great football player. He also has a good reputation in the world of model and ads, "said Perez is the right hand. "I only discuss the players who are in range, not the confersation was stale."
About David Villa, Madrid Valdano that interested him, but Valencia determine price exceedingly high. "It was impressive but the striker who does not have price reasonable. We are interested as long as the price is quite groundless. (Stock transfer) summer is still long and bargaining will be followed by very interesting development, "Valdano information that can not be a place for the return Alvaro Negredo despite the striker to play slick seasons ago in Almeria with the status of the loan.
Flu baby
World Health Organization (WHO) believes that the "very close" with the outbreak of swine flu. WHO are now middle berpacu time with all countries in order to prepare for this situation. So disclosed WHO Assistant Director-General Keiji Fukuda in Geneva, Switzerland.
Based on WHO guidelines, one of the main criteria is to eliminate the outbreaks strengthen citizens who are outside the United States (outside the area found the first H1N1). So far WHO has not changed in the five-level mode as a scale of six outbreaks indicate that the action "is near."
WHO has concentrated initially on geographic criteria to justify changes in the level mode. However, member countries have been called to the institutions that take into account that anasir like disease.
"The phase change is not only done in camera before the press or simply make the announcement. That really is the way the world prepares to confront the situation," Fukuda said, as quoted ANTARA news agency. Therefore, all countries must accept the information and equipment to handle the increasing number of patients and the questions from the public.
"Currently we feel that the basic steps that must be available," Fukada firm. Up to now, as many as 26,563 of including 140 deaths have been reported to health institutions from 73 countries. (VIN)
Friday, June 5, 2009
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