These are perhaps the best known and most widely visited of the Paris museums.
But Paris is also the home of many other fine museums that often get overlooked by the casual visitor -- museums well worth seeing and well worth adding to any visitor's itinerary Among those that should not be missed are the following:
Musee Picasso. (Metro: St. Paul) A chronological collection of more than 3000 works of Pablo Picasso together with the artist's own collection of Cezanne, Degas, Rousseau, Seurat, Mattisse, and various personal archives.
Musee Marmottan-Monet. (Metro: La Muette) While a lesser known and more recent museum, it has one of the world's largest collection of Monet's. The works were provided by the physician (Georges de Bellio) of Manet, Monet, Pissarro, and Renoir, in 1957 and by the Monet's second son, Michel, in 1966.
Musee Rodin. (Metro: Varenne) Seven acres in the building, courts, and spectacular gardens of the Hotel Biron contains both bronze and plaster sculptures (e.g. The 'Thinker', and 'Gates of Hell), sketches, paintings and archives of Auguste Rodin. An excellent venue.
Musee Delacroix. (Metro: St. Germain des Fres) The works of Eugene Delacroix presented in the artist's apartment and studio. Exhibits rotate between his drawings, pastels and watercolours.
Musee Malliol. (Metro: Rue du Bac) A museum of 20th Century art collected by Dina Viernyincluding works of Gauguin, Bonnard, Redon, Kandinsky, and others. There are permanent exhibits dedicated to Jacques Villon, Raymond Duchamp-Villon, and Marcel Duchamp, and to the French Primitivists.
Musee Guimet. (Metro: Lena) The museum is the French National Museum of Asian Art. It includes precious art and artefacts from South Asia, Southeast Asia, China, Japan and Indonesia. It also offers the Galleries of the Buddhist Pantheon together with a Japanese Garden and Tea Pavillion of exquisite quality.
One of the last of the smaller Paris Museums, but one that should be first for the visitor new to Paris, is the Musee Carnavalet (Metro: St. Paul). This museum, housed in the Hotel Carnavalet and an adjoining mansion, is dedicated to the history of Paris itself. In it are both permanent and temporary exhibits highlighting the long history of Paris and its culture.
None of the museums mentioned here would be called large museums and certainly none of these are as well-known as the Louve or the Musee dOrsay. But each of these museums does provide a special and focused perspective of the real Paris and her many fine artists. Certainly, none of these museums deserve to be missed by anyone visiting Paris.
2007年12月29日星期六
2007年12月28日星期五
Spanish Property To Drop Value 2007
In some parts of Spain, so many British people have bought a property it is quite possible to live there quite comfortably without having to learn the language.
While many Brits do learn Spanish and socialise with locals who haven't moved away because of the high property prices, many of the bars and restaurants and other businesses are British owned.
Helping to create the enclaves within their own country some Spaniards have sold their property to move to more traditional - and less expensive - areas, while young Spaniiards have had no choice but to leave their traditional family villages and towns as property prices have been too high.
And while the British who have moved to Spain over the last twenty years have seen their investments rise in value, consistently above the price of inflation, they could been in for an unpleasant surprise with signs that the housing market in Spain is weak, and prices could soon drop.
So spectacular have the price rises been over the last ten years that many Spanish homes on the Costas have doubled and more in value.
But developers have been busy, building hundreds of thousands of new homes, and this is leading to oversupply. 2006 saw 800,000 new home starts, more than Italy, Germany and France put together - a staggering amount by any European country's standards.
Often developers are offering low cost inspection trips to potential property buyers, and the buyers don't even get to see re-sale properties during their house hunting trips.
With many apartments and houses on a mortgage, interest rate rises push more and more people to selling, especially for second homes when the lettings no longer cover the mortgages. Since Spain joined the Euro, she has lost control over setting her interest rate, and all those in the Eurozone have had several rises in the last twelve months.
The Spanish island of Majorca reflects well the precarious position many second home and full time residents are facing should interest rates rise again across Europe.
Already many locals are finding it increasingly difficult to get on the property ladder, with prices having risen consistently in recent years, with their best hope being a slow down or even drop in Majorca property prices.
A survey recently found that over 90 per cent of Majorca's domestic population were worried about the number of overseas people buying property on the island.
One travel guide for Majorca isn't surprised at the local opinion.
'It's difficult for local people, especially when they are in their twenties and thirties and working with decent salaries, to see villas which are hardly used when they often can't even get a good size apartment in the areas they want, close to family or work.'They say, referring to holiday homes that are used a few weeks or even long weekiends a year, and standing empty the rest of the time.
'They see these properties as some of the cause of high prices, and they cannot see where it is going to end,' they conclude.
'The problem with building a way out of the housing crises, by constructing dozens of new apartment buildings and villa complexes is that it spoils the whole nature of Majorca, and it's a catch 22 because while locals do want to buy a house, they don't want it at the expense of the island.'
Official figures for Majorca holidays this year indicate an increase in tourist numbers by between five and seven per cent. And it is from the pool of holidaymakers where property sales often happen a few months later, as some visitors like the island so much they decide to look into buying an apartment or villa, with some even retiring to the island, or buying a business.
With the increase in visitor numbers, property demand should in theory be high for 2007 overall, but time will tell if the higer interst rates see a drop in prices in Spain and Majorca.
While many Brits do learn Spanish and socialise with locals who haven't moved away because of the high property prices, many of the bars and restaurants and other businesses are British owned.
Helping to create the enclaves within their own country some Spaniards have sold their property to move to more traditional - and less expensive - areas, while young Spaniiards have had no choice but to leave their traditional family villages and towns as property prices have been too high.
And while the British who have moved to Spain over the last twenty years have seen their investments rise in value, consistently above the price of inflation, they could been in for an unpleasant surprise with signs that the housing market in Spain is weak, and prices could soon drop.
So spectacular have the price rises been over the last ten years that many Spanish homes on the Costas have doubled and more in value.
But developers have been busy, building hundreds of thousands of new homes, and this is leading to oversupply. 2006 saw 800,000 new home starts, more than Italy, Germany and France put together - a staggering amount by any European country's standards.
Often developers are offering low cost inspection trips to potential property buyers, and the buyers don't even get to see re-sale properties during their house hunting trips.
With many apartments and houses on a mortgage, interest rate rises push more and more people to selling, especially for second homes when the lettings no longer cover the mortgages. Since Spain joined the Euro, she has lost control over setting her interest rate, and all those in the Eurozone have had several rises in the last twelve months.
The Spanish island of Majorca reflects well the precarious position many second home and full time residents are facing should interest rates rise again across Europe.
Already many locals are finding it increasingly difficult to get on the property ladder, with prices having risen consistently in recent years, with their best hope being a slow down or even drop in Majorca property prices.
A survey recently found that over 90 per cent of Majorca's domestic population were worried about the number of overseas people buying property on the island.
One travel guide for Majorca isn't surprised at the local opinion.
'It's difficult for local people, especially when they are in their twenties and thirties and working with decent salaries, to see villas which are hardly used when they often can't even get a good size apartment in the areas they want, close to family or work.'They say, referring to holiday homes that are used a few weeks or even long weekiends a year, and standing empty the rest of the time.
'They see these properties as some of the cause of high prices, and they cannot see where it is going to end,' they conclude.
'The problem with building a way out of the housing crises, by constructing dozens of new apartment buildings and villa complexes is that it spoils the whole nature of Majorca, and it's a catch 22 because while locals do want to buy a house, they don't want it at the expense of the island.'
Official figures for Majorca holidays this year indicate an increase in tourist numbers by between five and seven per cent. And it is from the pool of holidaymakers where property sales often happen a few months later, as some visitors like the island so much they decide to look into buying an apartment or villa, with some even retiring to the island, or buying a business.
With the increase in visitor numbers, property demand should in theory be high for 2007 overall, but time will tell if the higer interst rates see a drop in prices in Spain and Majorca.
2007年12月27日星期四
Thyroid Problems Cause Hair Loss
Almost everyone likes to have thick hair as it adds value to your personality. It seems almost strange that over 80 million American people are affected by hair loss. Hair loss is not only genetic; it can also be brought on by a number of factors of your own doing. But if your hair is not dense it can be enhanced with proper treatment. Thyromine is a great invention to solve your hair loss problem.
Doctors specializing in hair loss will often ask the following questions of their patients:-
Whats your family history of hair loss?Are you taking any medications?Whats a typical day in your diet?What are your routine hair-care habits?Have you been afflicted with a recent illness?
For both men and women hair is simply your crowning glory. People all over the world place a huge deal of social and cultural importance on hair and hairstyles. Most of you never miss your hair, until you start loosing it. That is usually when you enter a mad race to find solutions and remedies to regain your crowning glory. Unfortunately, many conditions such as heavy amounts of stress, diseases, improper hair care and hormonal imbalance result in excessive loss of hair.
Out of the many causes of hair loss, malfunctioning of thyroid gland is the main culprit. But the wonderful presence of thyromine, a medicine that can rectify the thyroid disorder, can reduce your hair loss to a great extent.
Remember that hair loss can be treated. The sooner you contact a qualified doctor, the sooner you will be able to restore your mane. Hair restoration procedures significantly depend on the physician's artistry and skills. Therefore, it is very important to see a dermatologist with training and experience in this area. Definitely the doctor will prescribe you to take thyromine with other suitable supplements.
Because thyromine works very well for people who have hypothyroidism or hyperthyroidism problem. The ingredients in thyromine work well to stimulate the metabolism, which is a key factor of your hair loss. Thyromine helps regulate your body's stress levels, increases the production of thyroid hormones and stimulates the immune system.
Doctors specializing in hair loss will often ask the following questions of their patients:-
Whats your family history of hair loss?Are you taking any medications?Whats a typical day in your diet?What are your routine hair-care habits?Have you been afflicted with a recent illness?
For both men and women hair is simply your crowning glory. People all over the world place a huge deal of social and cultural importance on hair and hairstyles. Most of you never miss your hair, until you start loosing it. That is usually when you enter a mad race to find solutions and remedies to regain your crowning glory. Unfortunately, many conditions such as heavy amounts of stress, diseases, improper hair care and hormonal imbalance result in excessive loss of hair.
Out of the many causes of hair loss, malfunctioning of thyroid gland is the main culprit. But the wonderful presence of thyromine, a medicine that can rectify the thyroid disorder, can reduce your hair loss to a great extent.
Remember that hair loss can be treated. The sooner you contact a qualified doctor, the sooner you will be able to restore your mane. Hair restoration procedures significantly depend on the physician's artistry and skills. Therefore, it is very important to see a dermatologist with training and experience in this area. Definitely the doctor will prescribe you to take thyromine with other suitable supplements.
Because thyromine works very well for people who have hypothyroidism or hyperthyroidism problem. The ingredients in thyromine work well to stimulate the metabolism, which is a key factor of your hair loss. Thyromine helps regulate your body's stress levels, increases the production of thyroid hormones and stimulates the immune system.
2007年12月22日星期六
Bank deposit and lending rates again stressed Yantai people queuing up to the early morning of
Re-adjustment of the central bank's benchmark interest rates for deposits and loans in RMB, demand deposits down for the first time in five years, Hor Namhong Street in the city, and other cities in the north of the city roads, a number of banks had to be from a long row team. Public Junu:shi said: "that came after media reports to depositors, after all, 10,000 a year money to a lot of bad money?" This is the sixth meeting of central bank interest rate increase this year, the public is happy to trouble, members of the public asked: "Always to the bank depositors to queue up to get the increase after interest rates. why not for the banks depositors Zidongzhuaicun?"
Taiwan branch of the China Everbright Bank financial Phoenix when, in answer to this question, said: Based on the March 1, 1993 from the implementation of the "savings Management Ordinance," the outstanding regular savings deposits, all paid in advance, paid by listed on the Notice of demand savings deposit rate of interest paid. In other words, the deposit interest rate increase after all there is a "transfer of critical point", over this critical point, commercial banks if all deposits with interest rate adjustments Zidongzhuaicun, some depositors may be prejudicial to the interests. In addition, the current banking system does not have the policy to depositors, the banks will not easily give depositors to keep their own.
ICBC financial management division, said those remarks, depositors in interest rates should increase the impact of the financial market, it is necessary to understand more financial knowledge to a detailed count. For example: depositors must understand "to keep critical point", to the early withdrawal of time deposits, may lose interest, but lose more than they gain. Mr Lau suggested that depositors can be obtained through a number of techniques to increase interest rates on earnings, the reduction in interest rates in the demand deposits, depositors should be sufficient to stay in the lives of liquidity, appropriate increase the proportion of regular savings.
For example: in the interest rate increase is expected next year still exist, depositors a "ladder savings" more reasonable. Plan to depositors of 30,000 yuan regularly as an example, depositors can be one-year, 2-year, 3-year-deposit 10,000 yuan. After one year, will expire 10,000 yuan to keep the three-year, and so, after three years, all holders of certificates of deposit for the three-year period, the age of maturity is different, followed by a difference of one year. Mr Lau said that this approach can help people cope with the continuous change in the rate of the central bank policy, and a higher income. wholesale pearlwholesale necklace
Taiwan branch of the China Everbright Bank financial Phoenix when, in answer to this question, said: Based on the March 1, 1993 from the implementation of the "savings Management Ordinance," the outstanding regular savings deposits, all paid in advance, paid by listed on the Notice of demand savings deposit rate of interest paid. In other words, the deposit interest rate increase after all there is a "transfer of critical point", over this critical point, commercial banks if all deposits with interest rate adjustments Zidongzhuaicun, some depositors may be prejudicial to the interests. In addition, the current banking system does not have the policy to depositors, the banks will not easily give depositors to keep their own.
ICBC financial management division, said those remarks, depositors in interest rates should increase the impact of the financial market, it is necessary to understand more financial knowledge to a detailed count. For example: depositors must understand "to keep critical point", to the early withdrawal of time deposits, may lose interest, but lose more than they gain. Mr Lau suggested that depositors can be obtained through a number of techniques to increase interest rates on earnings, the reduction in interest rates in the demand deposits, depositors should be sufficient to stay in the lives of liquidity, appropriate increase the proportion of regular savings.
For example: in the interest rate increase is expected next year still exist, depositors a "ladder savings" more reasonable. Plan to depositors of 30,000 yuan regularly as an example, depositors can be one-year, 2-year, 3-year-deposit 10,000 yuan. After one year, will expire 10,000 yuan to keep the three-year, and so, after three years, all holders of certificates of deposit for the three-year period, the age of maturity is different, followed by a difference of one year. Mr Lau said that this approach can help people cope with the continuous change in the rate of the central bank policy, and a higher income. wholesale pearlwholesale necklace
2007年12月20日星期四
3 Key Steps To Choosing The Right Teaching Job Abroad
International schools come in many different shapes and sizes. There are American schools, British schools, IB schools, Department of Defence schools, privately run schools and non-profit schools, to name a few.
One distinction teachers looking for a job overseas should be aware of is that of locally run versus foreign run schools. Being aware of this one difference can ensure that you sign an overseas teaching contract with your eyes wide-open.
Locally run schools are more likely to be a cultural shock to teachers from abroad, depending on the culture of the incoming teacher and the culture of the host country and/or owners.
A locally run international school may have some quirks that can make life difficult for an international teacher. These quirks may include an old-fashioned approach to teaching assignments (sexism), an unwillingness to assign failing grades to students who havent succeeded in mock exams or tests, and many more.
International schools run by a foreign director, however, are more likely to be operated in a manner more in keeping with schools you are used to.
Using simple guidelines to evaluate potential employing schools can ensure that you land yourself in a teaching job abroad that you can be happy with.
* Does the school have a director from a western country? Or a director with experience in western educational practices?
The former is going to be more use to you because a western director will presumably have experienced a western education as well.
Also check whether the director interviewing you is remaining with the school for the following academic year. Ive known teachers who have been interviewed by a British or American director and accepted contracts only to find out on arrival that the foreign director has been replaced with a local one.
* Rather than talk to the recruiter about your teaching philosophy, ask them about the teaching and learning philosophy and practice of the school.
Some teachers have been excited about their new job abroad until they have tuned up at the school to discover that there was a vast difference between what the recruiter told them about the schools educational philosophy at the interview and what was happening in practice.
Asking the recruiter about the teaching and learning philosophy of the school, rather than discussing your own is more likely to elicit the truth about the school. If you are a hot prospect, its quite likely that the recruiter will agree that your teaching style will be a perfect fit for the school simply to get you to sign the contract.
* Check the schools reputation using online resources and by talking to teachers.
This is especially easy if you are attending a job fair because you will be surrounded by experienced international teachers. Ask other teachers what they think of the school thats attempting to recruit you. The international school teaching community is a small one, everyone knows someone who knows someone who knows something
Go online and join the International Schools Review website to check what other teachers have to say about the school you are interested in.
When finding information about schools, make sure the information is timely. When the teaching and administration staff are signing two year contracts, there can me a lot of staff turnover; resulting in a lot of rapid changes in a school!
Remember, no school is going to be a perfect fit, so try and find the school that looks like it is going to be the best fit. If you get to your new job and it is not exactly what you expected, try and look at the positives, they will almost certainly outweigh the negatives
* a lot more money left at the end of the month
* a better climate
* more opportunities to travel
* a shorter school year
* more time to pursue hobbies or professional development.
One distinction teachers looking for a job overseas should be aware of is that of locally run versus foreign run schools. Being aware of this one difference can ensure that you sign an overseas teaching contract with your eyes wide-open.
Locally run schools are more likely to be a cultural shock to teachers from abroad, depending on the culture of the incoming teacher and the culture of the host country and/or owners.
A locally run international school may have some quirks that can make life difficult for an international teacher. These quirks may include an old-fashioned approach to teaching assignments (sexism), an unwillingness to assign failing grades to students who havent succeeded in mock exams or tests, and many more.
International schools run by a foreign director, however, are more likely to be operated in a manner more in keeping with schools you are used to.
Using simple guidelines to evaluate potential employing schools can ensure that you land yourself in a teaching job abroad that you can be happy with.
* Does the school have a director from a western country? Or a director with experience in western educational practices?
The former is going to be more use to you because a western director will presumably have experienced a western education as well.
Also check whether the director interviewing you is remaining with the school for the following academic year. Ive known teachers who have been interviewed by a British or American director and accepted contracts only to find out on arrival that the foreign director has been replaced with a local one.
* Rather than talk to the recruiter about your teaching philosophy, ask them about the teaching and learning philosophy and practice of the school.
Some teachers have been excited about their new job abroad until they have tuned up at the school to discover that there was a vast difference between what the recruiter told them about the schools educational philosophy at the interview and what was happening in practice.
Asking the recruiter about the teaching and learning philosophy of the school, rather than discussing your own is more likely to elicit the truth about the school. If you are a hot prospect, its quite likely that the recruiter will agree that your teaching style will be a perfect fit for the school simply to get you to sign the contract.
* Check the schools reputation using online resources and by talking to teachers.
This is especially easy if you are attending a job fair because you will be surrounded by experienced international teachers. Ask other teachers what they think of the school thats attempting to recruit you. The international school teaching community is a small one, everyone knows someone who knows someone who knows something
Go online and join the International Schools Review website to check what other teachers have to say about the school you are interested in.
When finding information about schools, make sure the information is timely. When the teaching and administration staff are signing two year contracts, there can me a lot of staff turnover; resulting in a lot of rapid changes in a school!
Remember, no school is going to be a perfect fit, so try and find the school that looks like it is going to be the best fit. If you get to your new job and it is not exactly what you expected, try and look at the positives, they will almost certainly outweigh the negatives
* a lot more money left at the end of the month
* a better climate
* more opportunities to travel
* a shorter school year
* more time to pursue hobbies or professional development.
2007年12月19日星期三
How to Compare Offshore Jurisdictions
Today many unscrupulous firms are offering corporations and bank accounts in many different jurisdictions with a shopping list of countries available almost every one of them no longer any good, many being located on Caribbean islands and are misleading the customers into thinking they are real offshore jurisdictions with privacy benefits. Wrong!!!
Let's analyze some things to look for when shopping for an offshore jurisdiction.
Bank Secrecy - Without this we are not interested. We want the bank to not be able to divulge any information about the bank account including whether or not such a bank account even exists unless there is an order from a competent court in the country where the bank is located. More secrecy than this does not exist any place today. Numbered accounts are gone. Sparbuch accounts in Austria are all gone, yes I know people offer them for sale on websites but they are all long gone and closed down. The bank secrecy laws must be written into the law of the land in question. Belize has no such bank secrecy laws written in their laws, people just seem to trust them even though there would be no legal penalty for them to reveal bank information if they see fit to do so. We want bank secrecy laws to call for prison and civil penalties for any violations in addition to allow for one to bring suit against the bank for violations. Panama meets this test.
MLAT - Mutual Legal Assistance treaty. Many nations have entered into these agreements. For a list of countries that have entered into these agreements with the USA courtesy of the US Government click here:
http://travel.state.gov/law/info/judicial/judicial_690.html
It is shocking as to how many countries are in such agreements. Even Panama is in such an agreement but it is fairly limited in scope, see below:
Essentially Panama will cooperate in a multi-national case involving narcotics and money laundering (these crimes need to be tied to narcotics). They also will get involved in cases concerning child pornography and real terrorism. If you are not a narcotics dealer and are not a money launderer (money launders are typically dealing with many millions of dollars), not a child pornographer, and not a terrorist you should not be concerned by this. The MLAT requires that there first need to a criminal prosecution case on file in the criminal courts of the requesting government (which means no fishing expeditions) then through diplomatic channels involving the embassies, requests are made for information, then reviewed by Panama officials and a decision on compliance is made or requests for more information are made so a determination can be arrived at. These cases can take months and even years for completion. At times the country where the bank is located has been known to once alerted to the problem, conduct their own investigation first and this usually requires them to seize the relevant records and documents which can stall the process for a long time even years since their justice systems typically moves quite slow and statues of limitation can run out, please don't construe this to mean Panama does this routinely it is just something that does occur from time to time around the world. The MLAT has no application to civil cases such as divorce, bankruptcy, civil judgments, business litigation, any sort of civil litigation, civil tax matters etc. Taxation matters of any sort are not covered by this as far as Panama is concerned. Income tax evasion is a civil (non-criminal) offense in Panama. Switzerland cooperates on income tax cases if the return is filed falsely like all income was not declared, things were omitted or so the complaining government says. Panama has no extradition treaties. Panama passes this test.
Tax Treaties ? Many so called Offshore Jurisdictions are in Tax Treaties. For a list of countries with tax treaties with the USA click here. Panama has NO tax treaty with any country. Even Switzerland and Belize are in tax treaties as are most of the so called offshore jurisdictions. Click here to see a list of countries in tax treaties complete with links enabling you to read the actual treaties, a real eye opener click here:
http://panamalaw.org/countries_with_tax_treaties.html
Type of Bank License - Many of these offshore banks have offshore banking licenses versus regular banking licenses. Let me explain. These island jurisdictions usually have different classes of bank licenses ? one class allows the bank to do business with only residents of the country, the other class usually encountered is the offshore license that allows the bank to ONLY conduct business with non-residents of the country, and they usually have a third class of license that allows the bank to do business with both residents and non-residents. It is a natural conclusion that a bank with an offshore only license is a risky proposition at best since the government won't let them do business with the citizens of their country. The banks we use in Panama are open to the citizens of Panama and are never offshore only banks. Most of the bank accounts being offered by various web site businesses are with bank having only an offshore license.
Corporation Privacy - This is an important point. I see many websites selling offshore corporations from dozens of countries. The only kind of corporation worth anything when it comes to privacy is a bearer share corporation. By this what is meant is the ownership of the corporation rests with the person who has the physical stock certificates of the corporation. Ownership need not be reported or recorded anywhere. A sale of the corporation does not need to be reported. This is what is called a non-transparent corporation and is extremely disliked by many governments who think people have no rights to privacy. In Panama a S.A. Corporation or bearer share company has no ownership reporting or recording requirements. One merely hires professional directors (which we provide) who appear as directors on hundreds of corporations and that is that. Directors are made public but you need not be your own director, we provide professional nominee directors complete with resignation letters and general power of attorney letter. Corporation privacy is especially important since governments have taken to monitoring bank wire transfers including recently the Swift System scandal showing the USA was monitoring Swift Transfers and we do not know to what extent and for exactly how long but is best to assume the worst. If one uses an anonymous bearer share Panama Corporation there is lack of transparency in that no one knows the ownership behind the corporation, they only know the corporation received or sent a wire and the other side of the transaction. This serves to preserve your privacy to a large extent. Imagine how silly it is to use an offshore corporation where ownership is made public and can be computerized thus one could tell in seconds who is the person behind the corporation receiving or sending the funds. This is what is being sold all over the internet as an offshore corporation misleading the people into thinking their privacy is being protected. Once again Panama passes the test.
Taxation Free - The offshore jurisdiction must be taxation free in that offshore derived income is not taxed by the country where the corporation is domiciled. Panama meets this test as does numerous other countries. Panama also has no capital gains tax for you stock market investors and there is no inheritance or probate tax. Panama passes this test.
Weather Considerations - Many of these offshore jurisdictions are located on islands and are subject to power outages from hurricanes. Also one must look for risk from volcanoes, tsunamis and earthquakes. Just what you don't need is a power outage from a storm preventing you from getting your money out when you need it. The reason the Panama Canal was built where it is, is because there is no risk from hurricanes, tsunamis, volcanoes and earthquakes. Panama passes the test.
Infrastructure - One must look at the power generators, telephone system and internet when evaluating an offshore jurisdiction. You don't want to have to wait days or weeks to be able to use your online banking or to be able to talk to your bank on the phone. Panama was basically built by the Americans who just left it in 2000. It has American style phones, electricity, roads, etc. The cells phones and internet in Panama are as good as Canada or USA. Panama passes the test again.
Government Stability - The last thing you need is to be banking in some tax haven offshore jurisdiction and find out a revolution has taken place and you can kiss your money goodbye. Another possibility is like what happened in Grenada when there was rampant bank fraud causing the closure and liquidation of the offshore banks with people losing their savings. Panama is a stable democracy. Panama is a UN neutral country so a war is most unlikely. Panama is in a treaty with the USA concerning the Panama Canal which was given to them by the USA in 2000. If the canal is threatened the USA has the right to step in to protect the Panama Canal. This means that if there was a revolution (unlikely occurrence since Panama is a most stable democracy) the USA would have fighter jets there within an hour or two and by the next day one could expect to see a navy aircraft carrier group in Panama Bay with an expeditionary force of marines. Next would be an airlift, paratroopers, helicopters, nuclear submarines and you have the idea. Forget about an invasion, attack or revolution in Panama, it passes the test.
Currency - Panama uses the US dollar as its currency. The banks are on the US dollar and the ATM machines dispense US dollars, they even use US coins. This means a stable currency. I know some of you will say they like the Euro better fine but when I say stable compare it to the Bahamian Dollar or Grand Cayman Dollar. No currency conversion costs in Panama if you use dollars. Panama again passes the test.
EU Ties - Panama has no ties that could erode privacy again passing the test. No reportage of income for EU residents or collecting of withholding taxes. Tax identity numbers from your home country are not required to open a Panama bank account, own a corporation, buy real estate etc. Panama again passes the test.
Let's analyze some things to look for when shopping for an offshore jurisdiction.
Bank Secrecy - Without this we are not interested. We want the bank to not be able to divulge any information about the bank account including whether or not such a bank account even exists unless there is an order from a competent court in the country where the bank is located. More secrecy than this does not exist any place today. Numbered accounts are gone. Sparbuch accounts in Austria are all gone, yes I know people offer them for sale on websites but they are all long gone and closed down. The bank secrecy laws must be written into the law of the land in question. Belize has no such bank secrecy laws written in their laws, people just seem to trust them even though there would be no legal penalty for them to reveal bank information if they see fit to do so. We want bank secrecy laws to call for prison and civil penalties for any violations in addition to allow for one to bring suit against the bank for violations. Panama meets this test.
MLAT - Mutual Legal Assistance treaty. Many nations have entered into these agreements. For a list of countries that have entered into these agreements with the USA courtesy of the US Government click here:
http://travel.state.gov/law/info/judicial/judicial_690.html
It is shocking as to how many countries are in such agreements. Even Panama is in such an agreement but it is fairly limited in scope, see below:
Essentially Panama will cooperate in a multi-national case involving narcotics and money laundering (these crimes need to be tied to narcotics). They also will get involved in cases concerning child pornography and real terrorism. If you are not a narcotics dealer and are not a money launderer (money launders are typically dealing with many millions of dollars), not a child pornographer, and not a terrorist you should not be concerned by this. The MLAT requires that there first need to a criminal prosecution case on file in the criminal courts of the requesting government (which means no fishing expeditions) then through diplomatic channels involving the embassies, requests are made for information, then reviewed by Panama officials and a decision on compliance is made or requests for more information are made so a determination can be arrived at. These cases can take months and even years for completion. At times the country where the bank is located has been known to once alerted to the problem, conduct their own investigation first and this usually requires them to seize the relevant records and documents which can stall the process for a long time even years since their justice systems typically moves quite slow and statues of limitation can run out, please don't construe this to mean Panama does this routinely it is just something that does occur from time to time around the world. The MLAT has no application to civil cases such as divorce, bankruptcy, civil judgments, business litigation, any sort of civil litigation, civil tax matters etc. Taxation matters of any sort are not covered by this as far as Panama is concerned. Income tax evasion is a civil (non-criminal) offense in Panama. Switzerland cooperates on income tax cases if the return is filed falsely like all income was not declared, things were omitted or so the complaining government says. Panama has no extradition treaties. Panama passes this test.
Tax Treaties ? Many so called Offshore Jurisdictions are in Tax Treaties. For a list of countries with tax treaties with the USA click here. Panama has NO tax treaty with any country. Even Switzerland and Belize are in tax treaties as are most of the so called offshore jurisdictions. Click here to see a list of countries in tax treaties complete with links enabling you to read the actual treaties, a real eye opener click here:
http://panamalaw.org/countries_with_tax_treaties.html
Type of Bank License - Many of these offshore banks have offshore banking licenses versus regular banking licenses. Let me explain. These island jurisdictions usually have different classes of bank licenses ? one class allows the bank to do business with only residents of the country, the other class usually encountered is the offshore license that allows the bank to ONLY conduct business with non-residents of the country, and they usually have a third class of license that allows the bank to do business with both residents and non-residents. It is a natural conclusion that a bank with an offshore only license is a risky proposition at best since the government won't let them do business with the citizens of their country. The banks we use in Panama are open to the citizens of Panama and are never offshore only banks. Most of the bank accounts being offered by various web site businesses are with bank having only an offshore license.
Corporation Privacy - This is an important point. I see many websites selling offshore corporations from dozens of countries. The only kind of corporation worth anything when it comes to privacy is a bearer share corporation. By this what is meant is the ownership of the corporation rests with the person who has the physical stock certificates of the corporation. Ownership need not be reported or recorded anywhere. A sale of the corporation does not need to be reported. This is what is called a non-transparent corporation and is extremely disliked by many governments who think people have no rights to privacy. In Panama a S.A. Corporation or bearer share company has no ownership reporting or recording requirements. One merely hires professional directors (which we provide) who appear as directors on hundreds of corporations and that is that. Directors are made public but you need not be your own director, we provide professional nominee directors complete with resignation letters and general power of attorney letter. Corporation privacy is especially important since governments have taken to monitoring bank wire transfers including recently the Swift System scandal showing the USA was monitoring Swift Transfers and we do not know to what extent and for exactly how long but is best to assume the worst. If one uses an anonymous bearer share Panama Corporation there is lack of transparency in that no one knows the ownership behind the corporation, they only know the corporation received or sent a wire and the other side of the transaction. This serves to preserve your privacy to a large extent. Imagine how silly it is to use an offshore corporation where ownership is made public and can be computerized thus one could tell in seconds who is the person behind the corporation receiving or sending the funds. This is what is being sold all over the internet as an offshore corporation misleading the people into thinking their privacy is being protected. Once again Panama passes the test.
Taxation Free - The offshore jurisdiction must be taxation free in that offshore derived income is not taxed by the country where the corporation is domiciled. Panama meets this test as does numerous other countries. Panama also has no capital gains tax for you stock market investors and there is no inheritance or probate tax. Panama passes this test.
Weather Considerations - Many of these offshore jurisdictions are located on islands and are subject to power outages from hurricanes. Also one must look for risk from volcanoes, tsunamis and earthquakes. Just what you don't need is a power outage from a storm preventing you from getting your money out when you need it. The reason the Panama Canal was built where it is, is because there is no risk from hurricanes, tsunamis, volcanoes and earthquakes. Panama passes the test.
Infrastructure - One must look at the power generators, telephone system and internet when evaluating an offshore jurisdiction. You don't want to have to wait days or weeks to be able to use your online banking or to be able to talk to your bank on the phone. Panama was basically built by the Americans who just left it in 2000. It has American style phones, electricity, roads, etc. The cells phones and internet in Panama are as good as Canada or USA. Panama passes the test again.
Government Stability - The last thing you need is to be banking in some tax haven offshore jurisdiction and find out a revolution has taken place and you can kiss your money goodbye. Another possibility is like what happened in Grenada when there was rampant bank fraud causing the closure and liquidation of the offshore banks with people losing their savings. Panama is a stable democracy. Panama is a UN neutral country so a war is most unlikely. Panama is in a treaty with the USA concerning the Panama Canal which was given to them by the USA in 2000. If the canal is threatened the USA has the right to step in to protect the Panama Canal. This means that if there was a revolution (unlikely occurrence since Panama is a most stable democracy) the USA would have fighter jets there within an hour or two and by the next day one could expect to see a navy aircraft carrier group in Panama Bay with an expeditionary force of marines. Next would be an airlift, paratroopers, helicopters, nuclear submarines and you have the idea. Forget about an invasion, attack or revolution in Panama, it passes the test.
Currency - Panama uses the US dollar as its currency. The banks are on the US dollar and the ATM machines dispense US dollars, they even use US coins. This means a stable currency. I know some of you will say they like the Euro better fine but when I say stable compare it to the Bahamian Dollar or Grand Cayman Dollar. No currency conversion costs in Panama if you use dollars. Panama again passes the test.
EU Ties - Panama has no ties that could erode privacy again passing the test. No reportage of income for EU residents or collecting of withholding taxes. Tax identity numbers from your home country are not required to open a Panama bank account, own a corporation, buy real estate etc. Panama again passes the test.
Principles of Insurance
Insurance is a cover used for protecting a person from the financial losses. Financial losses can take many forms. There are risks to our investments, liabilities for our actions, and risks to our ability to earn income.
The insurer and the insured are the main two parties involved in insurance. The insurer is the insurance company which will provide the cover to the insured against any financial losses. The insured may be an individual person or a group of people like an employer, members of a society, etc.
Basic categorization of Insurance
There are mainly two broad categories of insurance
Life insurance products include Life term policies, which give clean risk coverage of only the death benefit, whereas endowment or money back policies have a risk as well as savings component i.e. death as well as maturity benefit. The life insurance also includes Unit Linked Policies in which there is a risk component and a savings component, which is invested in equity, debt or gilt funds, depending on the insurance company.
Non Life insurance products include property or casualty, health insurance or house, fire, marine insurance etc. This insurance category deals with all the non-life aspects of an insured like their house, health, land, office, etc which might bring financial loss.
There are few principles of insurance, such as:
The insurer and the insured are the main two parties involved in insurance. The insurer is the insurance company which will provide the cover to the insured against any financial losses. The insured may be an individual person or a group of people like an employer, members of a society, etc.
Basic categorization of Insurance
There are mainly two broad categories of insurance
- Life insurance
- Non-life insurance
Life insurance products include Life term policies, which give clean risk coverage of only the death benefit, whereas endowment or money back policies have a risk as well as savings component i.e. death as well as maturity benefit. The life insurance also includes Unit Linked Policies in which there is a risk component and a savings component, which is invested in equity, debt or gilt funds, depending on the insurance company.
Non Life insurance products include property or casualty, health insurance or house, fire, marine insurance etc. This insurance category deals with all the non-life aspects of an insured like their house, health, land, office, etc which might bring financial loss.
There are few principles of insurance, such as:
- Definite Loss - Insurance - The event that gives rise to the loss that is subject to insurance should, at least in principle, take place at a known time, in a known place, and from a known cause. The classic example is death of an insured on a life insurance policy.
- Unintentional or Accidental Loss - Insurance - The event that comprises the trigger of a claim should be accidental, or at least outside the control of the beneficiary of the insurance. The loss should be pure, in the sense that it results from an event for which there is only the opportunity for cost.
- Huge Loss - Insurance - The size of the loss must be meaningful from the perspective of the insured. Insurance premiums need to cover both the expected cost of losses, plus the cost of issuing and administering the policy, adjusting losses, and supplying the capital needed to rationally assure that the insurer will be able to pay claims. .
- Affordable Premium - Insurance - If the probability of an insured event is so high, or the cost of the event is so large, that the resulting premium is large relative to the amount of protection offered, it is not likely that anyone will buy insurance, even if on offer.
- A large number of identical coverage units - Insurance - The vast majority of insurance policies are provided for individual members of very large classes. The existence of a large number of identical coverage units allows insurers to benefit from the so-called law of large numbers, which in effect states that as the number of coverage units increases, the actual results are increasingly likely to become close to expected results.
- Measurable Loss - Insurance - There are two elements that must be at least estimatable, if not formally calculable: the probability of loss, and the attendant cost. Probability of loss is generally an empirical exercise, while cost has more to do with the ability of a reasonable person in possession of a copy of the insurance policy and a proof of loss associated with a claim presented under that policy to make a reasonably definite and objective evaluation of the amount of the loss recoverable as a result of the claim.
- Limited risk of terribly large losses - Insurance - If the same event can cause losses to numerous policyholders of the same insurer, the ability of that insurer to issue policies becomes constrained, not by factors surrounding the individual characteristics of a given policyholder, but by the factors surrounding the sum of all policyholders so exposed.
Google's use of IBM and Microsoft Apps dug corner - wholesale pearl-wholesale necklace
Network of the World - December 19 - According to foreign media reports, Google's vice president and general manager of the enterprise sector DaveGirouard recently said that GoogleApps next year's goal is to attract more big customers. Girouard said Google Apps has been as fast as possible to attract the attention of small businesses. The current goal is to win more support from large enterprises. Girouard said: "In fact, we already have a number of large enterprise customers, but our aim is that the GoogleApps Microsoft and IBM to become the application of alternative applications." Past, and large enterprises that "we in the use of SAP products.." But Girouard said that in the next few months, there will be more and more large enterprises said: "We use GoogleApps." In June, Microsoft and IBM executives have acknowledged that Google Apps has been in the enterprise market posed a threat to them. Microsoft Office platform department heads RobCurry said GoogleApps has by virtue of simple, easy-to-use features such as attracting corporate users. Curry said: "In this field, we have Google as a rival." Although IBM is Google's partners. Ali network but IBM also believes that Google will own Lotus Notes, wholesale pearl wholesale necklace applications such as a threat. KenBisconti IBM vice president, said: "Google is the core of our partners, will continue to cooperate on. Google will eventually become our competitors."wholesale pearl wholesale necklacewholesale pearl wholesale necklace wholesale pearl wholesale necklacewholesale pearl wholesale necklacewholesale pearl wholesale necklacewholesale pearl wholesale necklace
2007年12月17日星期一
Britons Get Carried Away With Holiday Spending
Britons are not giving enough thought to their finances when going away on holiday, new figures indicate.
According to research conducted by Alliance & Leicester, 4.2 million consumers - about one in ten - are willing to go abroad even though they are yet to finish paying off money owed from their previous break. The study also indicated that 12 per cent of men have adopted a "buy now - worry later" approach to going on holiday, in comparison to some six per cent of women. Figures from the financial services provider also revealed that 22 per cent of holidaymakers have spent up to a year meeting debts incurred from borrowing via credit cards and personal loans to fund their last main holiday.
Savings manager Ross Dalzell said: "It's easy to get carried away with the holiday spirit as we all want to make the most of our time away, however, many holidaymakers run the risk of letting their holiday dreams turn into a potential financial nightmare. So much time and effort is put into booking and planning our holidays, it's important that the same attention is given to considering how to fund them."
His comments come after the Alliance & Leicester report found that 19.3 million Britons do not save the full amount of money needed for their holiday before leaving the country. Meanwhile, just over a quarter (27 per cent) of respondents have spent more money than they had intended to while away. About nine per cent of overspenders claimed to have exceeded their budget by more than 500 pounds, with a proportion reported to go over 1,000 pounds beyond what they had planned to spend.
Due to such overspending, tourists were reported to face increased pressure on their personal finances. About a fifth (21 per cent) of respondents claimed to fund their extra spending through credit cards although they claimed they would be unable to pay off these debts straight away. Some 20 per cent said they would have to put off making purchases and draw up a debt management plan upon their return home.
As a nation of "serial holidaymakers", some 11 per cent of Britons go away at least five times over the course of a year. However this proportion increases among older consumers, with 13 per cent of the over-55s having at least five holidays each year. "With holidays just a mouse-click away, the temptation to get away from it all has never been greater," Mr Dalzell added.
Earlier this month, it was reported that six million British holidaymakers travelling to Europe and the United States this summer could be susceptible to expensive costs for making and receiving mobile phone calls as telecoms providers look to delay the introduction of price caps until they are legally required to do so. Despite the European Parliament claiming a limit of 33 pence a minute would be introduced from July 30th, moneysupermarket stated that some suppliers will look to put this off until as late as September. According to the price comparison website such moves could leave many tourists open to "extortionate roaming charges".
According to research conducted by Alliance & Leicester, 4.2 million consumers - about one in ten - are willing to go abroad even though they are yet to finish paying off money owed from their previous break. The study also indicated that 12 per cent of men have adopted a "buy now - worry later" approach to going on holiday, in comparison to some six per cent of women. Figures from the financial services provider also revealed that 22 per cent of holidaymakers have spent up to a year meeting debts incurred from borrowing via credit cards and personal loans to fund their last main holiday.
Savings manager Ross Dalzell said: "It's easy to get carried away with the holiday spirit as we all want to make the most of our time away, however, many holidaymakers run the risk of letting their holiday dreams turn into a potential financial nightmare. So much time and effort is put into booking and planning our holidays, it's important that the same attention is given to considering how to fund them."
His comments come after the Alliance & Leicester report found that 19.3 million Britons do not save the full amount of money needed for their holiday before leaving the country. Meanwhile, just over a quarter (27 per cent) of respondents have spent more money than they had intended to while away. About nine per cent of overspenders claimed to have exceeded their budget by more than 500 pounds, with a proportion reported to go over 1,000 pounds beyond what they had planned to spend.
Due to such overspending, tourists were reported to face increased pressure on their personal finances. About a fifth (21 per cent) of respondents claimed to fund their extra spending through credit cards although they claimed they would be unable to pay off these debts straight away. Some 20 per cent said they would have to put off making purchases and draw up a debt management plan upon their return home.
As a nation of "serial holidaymakers", some 11 per cent of Britons go away at least five times over the course of a year. However this proportion increases among older consumers, with 13 per cent of the over-55s having at least five holidays each year. "With holidays just a mouse-click away, the temptation to get away from it all has never been greater," Mr Dalzell added.
Earlier this month, it was reported that six million British holidaymakers travelling to Europe and the United States this summer could be susceptible to expensive costs for making and receiving mobile phone calls as telecoms providers look to delay the introduction of price caps until they are legally required to do so. Despite the European Parliament claiming a limit of 33 pence a minute would be introduced from July 30th, moneysupermarket stated that some suppliers will look to put this off until as late as September. According to the price comparison website such moves could leave many tourists open to "extortionate roaming charges".
2007年12月16日星期日
Debt Consolidation Services - How Best To Control Debt Collectors
Debt collectors ringing your telephone off the receiver and sending abusive letters can fray anyone's nerves, nonetheless you have various types of protection and many techniques available to you to deal with them.
Your options for dealing with debt collectors.
The Fair Debt Collection Practices Act sets guidelines for what debt collectors might or may not legally do when trying to collect a debt, they can not, for example call prior to 8:00am or after 9:00pm nor can they threaten to garnish money in states in which it's illegal or harass you with constant telephone calls if you tell them to stop, for more information you may access the Act at the ftc website.
As a result, you have considerable alternatives, you may simply refuse to accept the call, many modern answering machines allow screening of your calls before picking up and if you have telephone caller ID/call blocking you might be able to screen the telephone call out altogether. Should you elect to take the telephone call, you can demand that you not be contacted again in the future, and the agency is legally obligated to quit telephone calling, Should you've sent a Cease and Desist Letter.
Firstly, you should consider paying the debt, If you can and If you actually owe it, you took on the loan in good faith and the creditor is entitled to be paid, notwithstanding, If you are seriously short of funds, you may couple this with negotiating for a reduced rate. Should you adhere to the commitment, the phone calls will cease, debt collectors, despite their sometimes bad attitude, are just performing a service for which they get paid they may move on to others, once the agreement is in place.
Importantly, be sure you keep a diary of any telephone calls made or accepted, and note any different terms agreed to, note down if you've demanded they quit telephone calling you, especially should you have been telephone called at work, you may tape the call should that be legal in your state, sometimes it requires notifying the other person that you are doing so. Very few debt collectors will make any statement that's out of line, Should they know they're being voice taped, that recording or diary are often especially important, Should you have negotiated a reduction in the debt.
Most debt collectors have the ability to accept substantially less than they're asking for, naturally, since they receive payment a percentage of what they collect, they're going to try to keep the total amount as close to the initial total amount as possible, notwithstanding they may accept less should you press the point, a large majority of debt collectors know that 40% of $1,000 is better than 100% of nothing. Part of the agreement should include a commitment on the debt collector's part not to put any additional black marks on top of what could already be on your credit report. You should take that one step similarly and insist they report instantly any payments you do make and to adjust any total amount owed.
Acquire in writing the agreement prior to you sending anything more than a token good faith payment, it's ok to forward a little money to demonstrate the seriousness of your commitment to the agreement, forward too much and they have little incentive to make the effort to comply with the terms binding them.
Patience, realism and maintaining your calm during discussions will go a long way toward making an inherently bad situation less stressful.
Your options for dealing with debt collectors.
The Fair Debt Collection Practices Act sets guidelines for what debt collectors might or may not legally do when trying to collect a debt, they can not, for example call prior to 8:00am or after 9:00pm nor can they threaten to garnish money in states in which it's illegal or harass you with constant telephone calls if you tell them to stop, for more information you may access the Act at the ftc website.
As a result, you have considerable alternatives, you may simply refuse to accept the call, many modern answering machines allow screening of your calls before picking up and if you have telephone caller ID/call blocking you might be able to screen the telephone call out altogether. Should you elect to take the telephone call, you can demand that you not be contacted again in the future, and the agency is legally obligated to quit telephone calling, Should you've sent a Cease and Desist Letter.
Firstly, you should consider paying the debt, If you can and If you actually owe it, you took on the loan in good faith and the creditor is entitled to be paid, notwithstanding, If you are seriously short of funds, you may couple this with negotiating for a reduced rate. Should you adhere to the commitment, the phone calls will cease, debt collectors, despite their sometimes bad attitude, are just performing a service for which they get paid they may move on to others, once the agreement is in place.
Importantly, be sure you keep a diary of any telephone calls made or accepted, and note any different terms agreed to, note down if you've demanded they quit telephone calling you, especially should you have been telephone called at work, you may tape the call should that be legal in your state, sometimes it requires notifying the other person that you are doing so. Very few debt collectors will make any statement that's out of line, Should they know they're being voice taped, that recording or diary are often especially important, Should you have negotiated a reduction in the debt.
Most debt collectors have the ability to accept substantially less than they're asking for, naturally, since they receive payment a percentage of what they collect, they're going to try to keep the total amount as close to the initial total amount as possible, notwithstanding they may accept less should you press the point, a large majority of debt collectors know that 40% of $1,000 is better than 100% of nothing. Part of the agreement should include a commitment on the debt collector's part not to put any additional black marks on top of what could already be on your credit report. You should take that one step similarly and insist they report instantly any payments you do make and to adjust any total amount owed.
Acquire in writing the agreement prior to you sending anything more than a token good faith payment, it's ok to forward a little money to demonstrate the seriousness of your commitment to the agreement, forward too much and they have little incentive to make the effort to comply with the terms binding them.
Patience, realism and maintaining your calm during discussions will go a long way toward making an inherently bad situation less stressful.
Where To Go In Case Of Conflicts
Are you having problems with your flood zone insurance company? Life does not always go smoothly because you want it to, and like other things in life, having a problem with your flood zone insurance company is something you must expect.
First of all, you must remember that insurance companies do not work or stand alone. They belong to a group of or an organization and when you have complaints, they will settle with you based on the organization laws and regulations.
This means that when you have a complaint against your insurance provider or when things did not work out to your satisfaction, you can not just march in their office and demand satisfaction or punch the ear of the sales agent you dealt with when you bought your policy. Your complaints will not be ignored but certain steps will have to be followed before your complaint will reach an appropriate department.
You must remember that your insurance provider is a member of an organization and there is always an expert or appropriate person who will address your complaint. Your flood zone insurance company just needs to settle things in a systematic order because they have their reputation to protect. People entrust their money and their properties to insurance providers, hence the need for them to remain credible before their clients.
The first thing you must remember is when you choose your flood insurance company, make sure that it is a member of one or all insurance organizations. If they are not, then your mind should start working and asking questions. Insurance or trade organizations regulate rules for their member organizations.
In the UK, you could check if your flood insurance company is a member of any of the two main organizations. There is the Insurance Brokers Registration Council (IBRC) and the Association of British Insurers (ABI). Knowing which organization your insurance provider belongs to could easily guide you know where to go.
Insurance providers who belong to any or both of the two main organizations follow the code of conduct that is set down for them so if you have a real complaint, you can expect that your complaint will be handled by more senior members who are experts of the organization.
Then there is the new organization called the General Insurance Standards Council (GISC) which is slowly taking charge of the regulation of the insurance industry. When you have a complaint, you must file your complaint directly to your insurance provider in writing. When they answer and you are not satisfied, find out what the complaints procedure is and follow it.
Your complaint could either fall into the ombudsman scheme or an arbitration scheme.
If the complaint goes to an arbitrator, you and your insurance provider have to commit to accept the arbitrators decision but when it falls to the ombudsman, only your insurance provider has to commit to accept the decision. If you do not agree to the decision of an ombudsman, you can always go to court, that is if you are willing to pay high costs and be patient for the lengthy procedure.
First of all, you must remember that insurance companies do not work or stand alone. They belong to a group of or an organization and when you have complaints, they will settle with you based on the organization laws and regulations.
This means that when you have a complaint against your insurance provider or when things did not work out to your satisfaction, you can not just march in their office and demand satisfaction or punch the ear of the sales agent you dealt with when you bought your policy. Your complaints will not be ignored but certain steps will have to be followed before your complaint will reach an appropriate department.
You must remember that your insurance provider is a member of an organization and there is always an expert or appropriate person who will address your complaint. Your flood zone insurance company just needs to settle things in a systematic order because they have their reputation to protect. People entrust their money and their properties to insurance providers, hence the need for them to remain credible before their clients.
The first thing you must remember is when you choose your flood insurance company, make sure that it is a member of one or all insurance organizations. If they are not, then your mind should start working and asking questions. Insurance or trade organizations regulate rules for their member organizations.
In the UK, you could check if your flood insurance company is a member of any of the two main organizations. There is the Insurance Brokers Registration Council (IBRC) and the Association of British Insurers (ABI). Knowing which organization your insurance provider belongs to could easily guide you know where to go.
Insurance providers who belong to any or both of the two main organizations follow the code of conduct that is set down for them so if you have a real complaint, you can expect that your complaint will be handled by more senior members who are experts of the organization.
Then there is the new organization called the General Insurance Standards Council (GISC) which is slowly taking charge of the regulation of the insurance industry. When you have a complaint, you must file your complaint directly to your insurance provider in writing. When they answer and you are not satisfied, find out what the complaints procedure is and follow it.
Your complaint could either fall into the ombudsman scheme or an arbitration scheme.
If the complaint goes to an arbitrator, you and your insurance provider have to commit to accept the arbitrators decision but when it falls to the ombudsman, only your insurance provider has to commit to accept the decision. If you do not agree to the decision of an ombudsman, you can always go to court, that is if you are willing to pay high costs and be patient for the lengthy procedure.
An Introduction to Men Zoot Suit
A zoot suit is a showy style of clothing, which became most popular during the 1930s and 40s. At that time, it was coupled with certain alternative groups in the United States, like Chicanos and African-Americans. The zoot suit was also related in well-liked culture with most in youth gangs and jazz music. Today, most people think of jazz and swing civilization when they come across term zoot suit.
The zoot suit is normally an extra-large suit, with wide-legged pants collected at the ankles, or tramas, and an extended jacket with big shoulder pads, known as carlango. The surplus amounts of fabric essential to make a zoot suit made the fashion a sign of display. The zoot suit is naturally worn for bureaucrat occasions and often accessorized with a long watch string on the pants, pointed shoes, and a very large felt hat with a feather.
The zoot suit first came in the African American jazz civilization in Harlem, New York, and was soon accepted by alternative communities in other American cities, particularly Los Angeles. The term zoot suit might get from a Mexican-American slang articulation of "suit." Female versions of the zoot suit as well stay alive, though they are hardly ever seen today, some with knee-length skirts in its place of tramas.
Wearing zoot suits became explicitly defiant after the style was officially banned in 1942 by the federal War Production Board that believes the suits extravagant of fabric. In 1943, the alleged Zoot Suit Riots exploded in Los Angeles, where the style was very trendy among Mexican-American youths. Soldiers and sailors on leave started beating up anyone found in a zoot suit in East Los Angeles, the heart of the Latino group of people, though African-Americans and Filipino Americans were also amid the victims. The military men as well destroyed as many zoot suits as they could, tearing them off the wearers and burning the clothes in the streets.
In a sense, the Zoot Suit Riots cemented the fame of the fashion as a symbol of artistic pride and a stand against racism. The first Chicano play on Broadway was Luiz Valdez' melodic, Zoot Suit (1979), made into a film in 1981.
The zoot suit is normally an extra-large suit, with wide-legged pants collected at the ankles, or tramas, and an extended jacket with big shoulder pads, known as carlango. The surplus amounts of fabric essential to make a zoot suit made the fashion a sign of display. The zoot suit is naturally worn for bureaucrat occasions and often accessorized with a long watch string on the pants, pointed shoes, and a very large felt hat with a feather.
The zoot suit first came in the African American jazz civilization in Harlem, New York, and was soon accepted by alternative communities in other American cities, particularly Los Angeles. The term zoot suit might get from a Mexican-American slang articulation of "suit." Female versions of the zoot suit as well stay alive, though they are hardly ever seen today, some with knee-length skirts in its place of tramas.
Wearing zoot suits became explicitly defiant after the style was officially banned in 1942 by the federal War Production Board that believes the suits extravagant of fabric. In 1943, the alleged Zoot Suit Riots exploded in Los Angeles, where the style was very trendy among Mexican-American youths. Soldiers and sailors on leave started beating up anyone found in a zoot suit in East Los Angeles, the heart of the Latino group of people, though African-Americans and Filipino Americans were also amid the victims. The military men as well destroyed as many zoot suits as they could, tearing them off the wearers and burning the clothes in the streets.
In a sense, the Zoot Suit Riots cemented the fame of the fashion as a symbol of artistic pride and a stand against racism. The first Chicano play on Broadway was Luiz Valdez' melodic, Zoot Suit (1979), made into a film in 1981.
2007年12月12日星期三
Ozone generators will eliminate mold and mildew
In 1999, the Mayo Clinic has observed that sinusitis can primarily be attributed to mold exposure. Many cases of asthma are reportedly caused by exposure to mold and mildew as well. These fungi that appear both outdoors and indoors release airborne allergens that causes a variety of ailments in varying degrees of seriousness. Commonly, surface molds produce mild to moderate ill effects while the most notorious ones, the toxic molds, could lead to more severe health concerns. One such mold is known as the stachybotrys.
Like all molds, the stachybotrys, releases mold spores in order to reproduce. Along with mold spores, toxic chemicals called mycotoxins and VOC or volatile organic compounds are released into the air. In fact, mold spores are actually vessels for these toxic chemicals. These toxic chemicals are released into the air when the mold spores attach themselves to damp places such as waste bins and rotten logs outdoors. Indoors, these spores like to attach themselves to damp and dark places such as the back of walls, shower tiles, damp and dark basements, attics, cellars, laundry rooms, and other places that are humid.
Objects, especially ones that are left wet for more than a day, such as carpets and rags, could also become mold sites. Mold spores that have attached themselves on fabric and feed on fabric are called mildew.
Constant inhalation of these mold spores has been known to produce allergic reactions even in the most non-allergic of persons. At best these reactions are limited to slight skin irritation, cough, and sneezing. However, different people incur different allergic reactions to mold exposure.
Cases of lung infections and lung bleeding have been reportedly caused by exposure to mold and mildew both indoors and outdoors but most especially indoors where air is confined. Memory loss and the deterioration of the immune system, which may render the body vulnerable to other more serious diseases, are other consequences of frequent encounters with mold and mildew.
Mold is a naturally occurring substance in nature. It would be hard to eliminate mold outdoors and would be detrimental to natural decomposition processes. Indoors, however, there is a way that mold and mildew can be reduced and eventually, eliminated. Technological advancement has led to the manufacturing of ozone generators. The use of ozone generators will help eliminate mold and mildew indoors. Ozone generators release ozone that counteracts mold and mildew through oxidation. Ozone is able to eliminate mold and mildew when it saturates the amount of mold and mildew in an area. Experts recommend ozone generators be used on their highest setting to effectively eliminate mold and mildew. Even concentrations of mold and mildew in an area, lets say, a corner of the house, can be eliminated using an ozone generator. Ozone generators that are able to release at least 800mg of ozone per hour will eliminate mold and mildew. FM-1 and the PRO-4 ozone generators, so far, are the best units out there to eliminate mold and mildew. These could release 2000mg of ozone per hour. Make sure you follow the manufactures directions, which include not using the machine in spaces while they are occupied by people or pets.
Like all molds, the stachybotrys, releases mold spores in order to reproduce. Along with mold spores, toxic chemicals called mycotoxins and VOC or volatile organic compounds are released into the air. In fact, mold spores are actually vessels for these toxic chemicals. These toxic chemicals are released into the air when the mold spores attach themselves to damp places such as waste bins and rotten logs outdoors. Indoors, these spores like to attach themselves to damp and dark places such as the back of walls, shower tiles, damp and dark basements, attics, cellars, laundry rooms, and other places that are humid.
Objects, especially ones that are left wet for more than a day, such as carpets and rags, could also become mold sites. Mold spores that have attached themselves on fabric and feed on fabric are called mildew.
Constant inhalation of these mold spores has been known to produce allergic reactions even in the most non-allergic of persons. At best these reactions are limited to slight skin irritation, cough, and sneezing. However, different people incur different allergic reactions to mold exposure.
Cases of lung infections and lung bleeding have been reportedly caused by exposure to mold and mildew both indoors and outdoors but most especially indoors where air is confined. Memory loss and the deterioration of the immune system, which may render the body vulnerable to other more serious diseases, are other consequences of frequent encounters with mold and mildew.
Mold is a naturally occurring substance in nature. It would be hard to eliminate mold outdoors and would be detrimental to natural decomposition processes. Indoors, however, there is a way that mold and mildew can be reduced and eventually, eliminated. Technological advancement has led to the manufacturing of ozone generators. The use of ozone generators will help eliminate mold and mildew indoors. Ozone generators release ozone that counteracts mold and mildew through oxidation. Ozone is able to eliminate mold and mildew when it saturates the amount of mold and mildew in an area. Experts recommend ozone generators be used on their highest setting to effectively eliminate mold and mildew. Even concentrations of mold and mildew in an area, lets say, a corner of the house, can be eliminated using an ozone generator. Ozone generators that are able to release at least 800mg of ozone per hour will eliminate mold and mildew. FM-1 and the PRO-4 ozone generators, so far, are the best units out there to eliminate mold and mildew. These could release 2000mg of ozone per hour. Make sure you follow the manufactures directions, which include not using the machine in spaces while they are occupied by people or pets.
Danger when Downloading Illegal Music
With the popularity of computers, internet and portable electronic devices, nobody wants to carry around a big fat book of cd's anymore. They're bulky, warp in the heat of a parked car or get scratched up. Now downloading music into a portable music player is so much more convenient.
Just slide it into your purse or pocket and your have access to all the music you own. With all the sites that offer music downloads, one has to be extremely careful not to violate any copyright laws. If you think that you couldn't get caught, think again...your IP address can be traced right to your computer.
Fines for downloading music can be considerable, to the point of losing everything you own. You could even be arrested. Avoid this by always purchasing your music from reputable music sites or check out how you can download music for free (legally).
Free downloads
Sounds a little suspicious doesn't it? Usually these music selections are by unsigned musicians who are hoping to get their music out there to heard and attract a fan base. There are many websites that offer free music downloads and they also offer reviews and ratings from other listeners.
Do not share music files. There are certain rules where these sites forbid sharing. Just give your friends and family the website where you got the music and suggest that they visit the website and download the music themselves.
Illegal downloads
There are several file sharing programs out on the internet by people called file traders that allow you to download music from them for a small fee. Many people mistakenly think that this is legal. It's not, and it doesn't matter that they misled you. If you are caught YOU will be the one to get sued.
Always make sure you check out your sites and find out if they're sending out music that has permission for a free download. Another danger of downloading music from unknown sources is the risk of having a potentially destructive virus coming into your computer.
Downloading music
When purchasing music for downloading, make sure you download to your own computer only. Transferring files between computers is the same as illegal downloading. When you purchase a song and download it, you play the song while connected to the internet in order to obtain the song license to decrypt the file and allow it to be played on your computer or transferred to your own personal portable device.
Once you've done this, you have the license and can now play on your computer at any time. Songs can be downloaded for a small price. This price is comparable to the cost of one song on a purchase of a whole cd with one very distinct advantage. You may not like all the songs on a whole cd. Instead of paying for a whole cd when you really just wanted one song, you have the option of buying just that one song which makes the cost of music downloads very attractive.
Sometimes members of music download sites are offered free downloads by certain artists who have given permission in hopes to gain more popularity with their fans.
Just slide it into your purse or pocket and your have access to all the music you own. With all the sites that offer music downloads, one has to be extremely careful not to violate any copyright laws. If you think that you couldn't get caught, think again...your IP address can be traced right to your computer.
Fines for downloading music can be considerable, to the point of losing everything you own. You could even be arrested. Avoid this by always purchasing your music from reputable music sites or check out how you can download music for free (legally).
Free downloads
Sounds a little suspicious doesn't it? Usually these music selections are by unsigned musicians who are hoping to get their music out there to heard and attract a fan base. There are many websites that offer free music downloads and they also offer reviews and ratings from other listeners.
Do not share music files. There are certain rules where these sites forbid sharing. Just give your friends and family the website where you got the music and suggest that they visit the website and download the music themselves.
Illegal downloads
There are several file sharing programs out on the internet by people called file traders that allow you to download music from them for a small fee. Many people mistakenly think that this is legal. It's not, and it doesn't matter that they misled you. If you are caught YOU will be the one to get sued.
Always make sure you check out your sites and find out if they're sending out music that has permission for a free download. Another danger of downloading music from unknown sources is the risk of having a potentially destructive virus coming into your computer.
Downloading music
When purchasing music for downloading, make sure you download to your own computer only. Transferring files between computers is the same as illegal downloading. When you purchase a song and download it, you play the song while connected to the internet in order to obtain the song license to decrypt the file and allow it to be played on your computer or transferred to your own personal portable device.
Once you've done this, you have the license and can now play on your computer at any time. Songs can be downloaded for a small price. This price is comparable to the cost of one song on a purchase of a whole cd with one very distinct advantage. You may not like all the songs on a whole cd. Instead of paying for a whole cd when you really just wanted one song, you have the option of buying just that one song which makes the cost of music downloads very attractive.
Sometimes members of music download sites are offered free downloads by certain artists who have given permission in hopes to gain more popularity with their fans.
Why take out travel insurance?
It seems that many people in the UK ask themselves this question and conclude that there isnt a reason to take out travel insurance. For a very few this may actually be the right conclusion, mainly those with enough money to cover any costs they may face, but for the vast majority of us, travel insurance provides necessary safeguards against mishap on our journeys, whether for business or pleasure.
Below I will detail some reasons, but by no means all, for having a travel insurance policy and possible consequences of not having one, but as everyone is different it is incumbent upon each person to make an assessment of their own needs in deciding whether they need to buy a travel insurance policy or not.
The major expense you may face when abroad is the cost of emergency medical treatment, please note the word emergency as travel insurance does not cover routine medical treatment or any treatment that the insurer considers could have waited until you return to the UK.
It does include the cost of transport to a hospital for emergency medical treatment, such as an ambulance, as in many countries the ambulance service is provided by private companies who charge for the service.
Most travel insurance policies also provide for repatriation to the UK once the attending doctors consider the patient fit enough to travel and this can include the costs of a doctor or nurse to be flown out to travel with the patient on the return journey where necessary.
It should be noted, however, that most travel insurance policies require you to notify the insurer as soon as possible if any treatment to be received is likely to cost above a set figure, and this figure can be as low as 250, in order to get the treatment authorised, failure to notify the insurer may invalidate any claim, so you must read the policy documents and familiarise yourself with the claims procedure. This is why it is vital to have a copy of the travel insurance policy and documents with you when you travel. Always err on the side of caution and call the insurers claim handling number if you are unsure.
The range of cover available for emergency medical treatment included on a travel insurance policy is often within the range of 1 million to 10 million.
Most travel insurance policies include some cover for emergency dental treatment but often this is for no more than a few hundred pounds and usually only for treatment to stop pain, not for any remedial work.
Most travel insurance policies, and especially the cheaper ones, do not cover pre-existing medical conditions, mainly because the costs to the insurers for claims by people without pre-existing medical conditions are significantly lower and, therefore, the insurers can keep the premiums down.
If you have pre-existing medical conditions you have a choice to make, namely do you buy a travel insurance policy that will cover emergency medical costs arising from an episode that can be attributed, either directly or indirectly, to the pre-existing medical condition or not.
Bear in mind that you will only be covered on a travel insurance policy for costs of medical treatment that require immediate attention, so you have to decide if your condition(s) is/are the type of thing that could flare up suddenly and require you to need emergency medical attention and I would suggest that you discuss this with your GP if you havent already.
It is not mandatory to declare a pre-existing medical condition to an insurer and pay the extra cost to have it covered, but if you choose not to you must accept that the insurer will reject any claim for costs associated with the condition and not just the medical costs.
There are definitely some medical conditions that I would consider it to be unwise not to cover, these are mainly systemic conditions such as high blood pressure and diabetes; any heart related condition; any stroke related condition; cancers if there is a possibility of a sudden deterioration in health or if the cancer may spread to other parts of the body; any condition that may cause loss of balance, such as epilepsy, which could lead to a fall causing sprains or broken bones; and any condition that can cause a sudden episode that requires immediate treatment by a medical professional, such as gall stones where the gall bladder was not removed.
This is not a comprehensive list by any means, only you and your doctor(s) can make the necessary assessment of the likelihood of an occurrence triggered by a pre-existing medical condition.
After cover for emergency medical treatment the next largest sum insured on a travel insurance policy is normally personal liability cover which is cover in case you are responsible for damaging someone or their property, although it is usual for any damage caused by you operating a vehicle or an animal under your control to be excluded, a separate policy in these circumstances is required, although if you are renting the vehicle or animal, the required insurance may be included in the package and you should check that this is the case. Cover for personal liability is usually between 500,000 and 2 million.
If you become involved in litigation as a result of an incident on your trip you will be thankful for the legal expenses cover included in most travel insurance policies, although this is usually no more than a few tens of thousands of pounds rather than the much larger sums for emergency medical treatment and personal liability, how many of us have that much spare cash available?
Other parts of a travel insurance policy include cancellation cover, personal belongings cover, cover for loss of money or passport, and cover for travel delay or disruption, although this is normally only for the initial travel from and returning to the home country, any connecting flights or other transport are not covered. While these incidents are no doubt irritating and inconveniencing they are not potentially financially ruinous.
In summary, unless you can cover all the potential costs of an incident abroad with your existing financial resources, and even then, who would want to use up those resources instead of spending a tiny fraction of them on a travel insurance policy, it makes sense to buy a travel insurance policy.
Without travel insurance you would be forced into making the decision of whether you can afford potentially life saving medical treatment or not, a most invidious position in which to find yourself.
As with all forms of insurance you have to balance the cost of the policy at the outset against the potential cost of not being insured.
My intention here is not to give advice but to raise topics you might want to think about, in the end only you can make the assessment about what is right for your circumstances.
Whatever you decide I hope you have a happy and trouble free trip.
Below I will detail some reasons, but by no means all, for having a travel insurance policy and possible consequences of not having one, but as everyone is different it is incumbent upon each person to make an assessment of their own needs in deciding whether they need to buy a travel insurance policy or not.
The major expense you may face when abroad is the cost of emergency medical treatment, please note the word emergency as travel insurance does not cover routine medical treatment or any treatment that the insurer considers could have waited until you return to the UK.
It does include the cost of transport to a hospital for emergency medical treatment, such as an ambulance, as in many countries the ambulance service is provided by private companies who charge for the service.
Most travel insurance policies also provide for repatriation to the UK once the attending doctors consider the patient fit enough to travel and this can include the costs of a doctor or nurse to be flown out to travel with the patient on the return journey where necessary.
It should be noted, however, that most travel insurance policies require you to notify the insurer as soon as possible if any treatment to be received is likely to cost above a set figure, and this figure can be as low as 250, in order to get the treatment authorised, failure to notify the insurer may invalidate any claim, so you must read the policy documents and familiarise yourself with the claims procedure. This is why it is vital to have a copy of the travel insurance policy and documents with you when you travel. Always err on the side of caution and call the insurers claim handling number if you are unsure.
The range of cover available for emergency medical treatment included on a travel insurance policy is often within the range of 1 million to 10 million.
Most travel insurance policies include some cover for emergency dental treatment but often this is for no more than a few hundred pounds and usually only for treatment to stop pain, not for any remedial work.
Most travel insurance policies, and especially the cheaper ones, do not cover pre-existing medical conditions, mainly because the costs to the insurers for claims by people without pre-existing medical conditions are significantly lower and, therefore, the insurers can keep the premiums down.
If you have pre-existing medical conditions you have a choice to make, namely do you buy a travel insurance policy that will cover emergency medical costs arising from an episode that can be attributed, either directly or indirectly, to the pre-existing medical condition or not.
Bear in mind that you will only be covered on a travel insurance policy for costs of medical treatment that require immediate attention, so you have to decide if your condition(s) is/are the type of thing that could flare up suddenly and require you to need emergency medical attention and I would suggest that you discuss this with your GP if you havent already.
It is not mandatory to declare a pre-existing medical condition to an insurer and pay the extra cost to have it covered, but if you choose not to you must accept that the insurer will reject any claim for costs associated with the condition and not just the medical costs.
There are definitely some medical conditions that I would consider it to be unwise not to cover, these are mainly systemic conditions such as high blood pressure and diabetes; any heart related condition; any stroke related condition; cancers if there is a possibility of a sudden deterioration in health or if the cancer may spread to other parts of the body; any condition that may cause loss of balance, such as epilepsy, which could lead to a fall causing sprains or broken bones; and any condition that can cause a sudden episode that requires immediate treatment by a medical professional, such as gall stones where the gall bladder was not removed.
This is not a comprehensive list by any means, only you and your doctor(s) can make the necessary assessment of the likelihood of an occurrence triggered by a pre-existing medical condition.
After cover for emergency medical treatment the next largest sum insured on a travel insurance policy is normally personal liability cover which is cover in case you are responsible for damaging someone or their property, although it is usual for any damage caused by you operating a vehicle or an animal under your control to be excluded, a separate policy in these circumstances is required, although if you are renting the vehicle or animal, the required insurance may be included in the package and you should check that this is the case. Cover for personal liability is usually between 500,000 and 2 million.
If you become involved in litigation as a result of an incident on your trip you will be thankful for the legal expenses cover included in most travel insurance policies, although this is usually no more than a few tens of thousands of pounds rather than the much larger sums for emergency medical treatment and personal liability, how many of us have that much spare cash available?
Other parts of a travel insurance policy include cancellation cover, personal belongings cover, cover for loss of money or passport, and cover for travel delay or disruption, although this is normally only for the initial travel from and returning to the home country, any connecting flights or other transport are not covered. While these incidents are no doubt irritating and inconveniencing they are not potentially financially ruinous.
In summary, unless you can cover all the potential costs of an incident abroad with your existing financial resources, and even then, who would want to use up those resources instead of spending a tiny fraction of them on a travel insurance policy, it makes sense to buy a travel insurance policy.
Without travel insurance you would be forced into making the decision of whether you can afford potentially life saving medical treatment or not, a most invidious position in which to find yourself.
As with all forms of insurance you have to balance the cost of the policy at the outset against the potential cost of not being insured.
My intention here is not to give advice but to raise topics you might want to think about, in the end only you can make the assessment about what is right for your circumstances.
Whatever you decide I hope you have a happy and trouble free trip.
严打涂料业“傍名牌”-“九龙华润涂料”涉嫌侵权遭查处
“傍名牌”已成为扰乱我国市场经济秩序的重要问题，也是正在进行的整顿和规范市场经济秩序的热点和难点。在国家工商总局针对全国范围内的“傍名牌”不正当竞争行为进行严厉打击的要求下，日前，北京市工商行政管理局对涂料行业出现的“傍名牌”商品进行一次突击检查，“九龙华润 ”等多种涂料品牌因涉嫌“傍名牌”被查处。 在此次专项行动中，北京房山区工商分局良乡工商所根据举报，在永林建材城和裕恒通家具建材购物中心发现一种“九龙华润”涂料。这种涂料在名称、包装和商标上都与“华润漆”相似，涉嫌侵犯广东华润涂料有限公司所拥有的“华润漆”注册商标专用权和“华润漆”外观设计专利权。工商局执法人员依法对这些涉嫌商标侵权的“九龙华润”涂料予以暂扣，并立案查处。 将行业中的知名商标注册成自己的公司商号，以便混淆公司名称与品牌名，试图使消费者误以为自己的产品与著名品牌有一定关联，从而扩大销路，获取利润，这种现象被业内称为“傍名牌”。在我国涂料行业，“傍名牌”现象由来已久。作为涂料行业中的领军品牌，“华润涂料”也成了众多“傍名牌”企业的主要目标。“华润漆”是广东华润涂料有限公司的注册商标，2006年，被相关部门认定为“中国驰名商标”。长期以来，诸如“九龙华润”这样打着“华润”字号的“伪华润”涂料品牌多达数十个。这些“伪华润”在市场上大量出现，让不知情的消费者误以为他们是广东华润涂料有限公司的分公司或者在广东顺德以外的生产基地，甚至还有的品牌以次充好，在市场上销售质量低劣的产品，从而使华润涂料的经济利益和企业形象受到巨大损失。 据悉，在此次专项行动中，北京海淀区工商分局、房山区分局、大兴区分局在各辖区内的建材市场共查获“九龙华润”、“英国华润”、“华润新世纪”、“润美”、“华润漆王”、“华润第二代”、“华润大赢家”等涉嫌侵权的木器漆共200余组，涂料300多公斤，执法人员对所有被查获的商品依法予以暂扣，目前案件正在进一步处理之中。 据了解，除“华润漆”以外，诸如“立邦漆”、“华隆涂料”、“嘉宝莉漆”等多个涂料市场的名牌产品都有过被“傍”的经历。这些知名企业纷纷表示，“傍名牌”行为使他们深受其害，希望工商部门的专项整治行动能够取得有效的成果。 据悉，北京市工商局针对涂料行业的专项整治行动由各区工商所对其辖区内的违法经营者进行查处。行动结束后，有关部门将对侵权行为进行立案审查。如果这些品牌的“傍名牌”不正当竞争行为成立，则会受到严厉惩罚。
2007年12月11日星期二
“润美漆”“英国华润涂料”“九龙华润涂料“华润新世纪”涉嫌傍名牌“华润涂料”被查处
本报讯 近日，根据国家工商总局对打击“傍名牌”不正当竞争行为专项活动的部署，北京市工商行政管理局，重拳打击涂料市场上的“傍名牌”产品，包括“英国华润”在内的涉嫌侵犯华润涂料“华润漆”商标权的“傍名牌”不正当竞争行为得到查处。 日前，北京大兴区工商分局根据举报，在大兴旧宫建材市场查获涉嫌侵权的“英国华润”涂料53箱。这些涂料涉嫌侵犯广东华润涂料有限公司所拥有的“华润漆”注册商标专用权和“华润漆”外观设计专利权，工商局执法人员依法对这些涉嫌商标侵权的“英国华润”涂料进行暂扣，并立案查处。 “华润漆”是广东华润涂料有限公司的注册商标，2006年，该商标被司法认定为“中国驰名商标”，同时，“华润漆”产品先后被国家质检总局评为“产品质量国家免检产品”、“中国名牌产品”。记者发现，在大兴区被查获的“英国华润”涂料在外观、包装、名称上都和华润涂料非常相似。致使众多不知情的消费者都误以为这是华润公司旗下的子品牌，这一“傍名牌”的行为严重侵害了广东华润涂料有限公司的合法权益。 据业内人士介绍，目前我国涂料行业“傍名牌”现象非常普遍，这些“傍名牌”产品的经营者大多采用地下作坊式生产，产品质量无法有效保证，很多是根本不符合国家标准的“不合格品”，甚至是“有毒有害产品”，严重危害了消费者的人身安全。 在此次专项行动中，海淀区工商分局、房山区分局、大兴区分局在各辖区内的建材市场共查获“英国华润”、“华润新世纪”、“九龙华润”、“润美”、“华润漆王”、“华润第二代”、“华润大赢家”等涉嫌侵权的木器漆共200余组，涂料300多公斤，执法人员对所有被查获的商品依法予以暂扣，目前案件正在进一步处理之中。
2、近日，北京市工商行政管理局根据国家工商总局打击“傍名牌”的要求，对本市涂料行业的“傍名牌”产品进行突击检查，查获各种“傍名牌”的涂料产品200余组，“华润新世纪”等多种涂料品牌因涉嫌“傍名牌”被查处。 在此次专项行动中，房山区工商分局根据举报，在辖区内马各庄建材市场发现了一种广东江门市某涂料厂生产的“华润新世纪”涂料，这种涂料在名称、包装和商标上都与获得“中国驰名商标”的“华润漆”非常相似，工商执法人员依法对这些涉嫌商标侵权的涂料进行暂扣，并立案查处。房山区工商分局经检科的刘科长表示，该涂料产品包装上突出使用了“华润”字样，容易在产品来源上造成与知名商品“华润漆”的混淆，涉嫌侵犯广东华润涂料有限公司所持有的“华润”注册商标专用权。工商执法人员在现场还发现了类似的涉嫌侵权品牌“英国华润”、“华润漆王”等涂料产品近200组，也一并予以查扣。 “华润漆”是广东华润涂料有限公司的注册商标，“华润漆”系列产品先后被国家质检总局评为“国家免检产品”和“中国名牌产品”，去年还被司法认定为“中国驰名商标”。 将行业中的知名商标注册成自己的公司商号，以便混淆公司名称与品牌名，试图使消费者误以为自己的产品与著名品牌有一定关联，从而扩大销路，获取利润，这种现象被业内称为“傍名牌”。近年来，涂料行业的“傍名牌”现象愈演愈烈，有的使用著名企业的名称或其中的部分关键字眼作为自己产品的名称，有的是外包装与名牌产品基本一样，有的是将知名企业的商标作为自己商号在境外登记或抢先注册，令不少消费者无法分辨。作为中国华润涂料市场的领军品牌，“华润漆”成为众多“傍名牌”不法企业的主要目标，仅在北京市场上，诸如“华润新世纪”这样打着“华润”字号的品牌多达十几种，这些质量完全没有保障的产品不仅损害了消费者的利益，而且大大损害了广东华润涂料有限公司的经济利益和企业形象。 记者从北京市工商局处获悉，本次针对涂料行业的专项整治行动将由各区陆续在辖区内开展，并且对侵权行为进行立案审查，如果这些品牌“傍名牌”不正当竞争行为成立，则会受到《反不正当竞争法》、《商标法》、《企业名称登记管理规定》等有关法律条款的严厉惩罚，以保持市场的健康发展。华润涂料 华润涂料 华润涂料 华润涂料
3、近日，北京市工商行政管理局根据国家工商总局打击“傍名牌”的要求，对本市涂料行业的“傍名牌”产品进行突击检查，查获各种“傍名牌”的涂料产品200余组，“华润新世纪”等多种涂料品牌因涉嫌“傍名牌”被查处。 在此次专项行动中，房山区工商分局根据举报，在辖区内马各庄建材市场发现了一种广东江门市某涂料厂生产的“华润新世纪”涂料，这种涂料在名称、包装和商标上都与获得“中国驰名商标”的“华润漆”非常相似，工商执法人员依法对这些涉嫌商标侵权的涂料进行暂扣，并立案查处。房山区工商分局经检科的刘科长表示，该涂料产品包装上突出使用了“华润”字样，容易在产品来源上造成与知名商品“华润漆”的混淆，涉嫌侵犯广东华润涂料有限公司所持有的“华润”注册商标专用权。工商执法人员在现场还发现了类似的涉嫌侵权品牌“英国华润”、“华润漆王”等涂料产品近200组，也一并予以查扣。 “华润漆”是广东华润涂料有限公司的注册商标，“华润漆”系列产品先后被国家质检总局评为“国家免检产品”和“中国名牌产品”，去年还被司法认定为“中国驰名商标”。 将行业中的知名商标注册成自己的公司商号，以便混淆公司名称与品牌名，试图使消费者误以为自己的产品与著名品牌有一定关联，从而扩大销路，获取利润，这种现象被业内称为“傍名牌”。近年来，涂料行业的“傍名牌”现象愈演愈烈，有的使用著名企业的名称或其中的部分关键字眼作为自己产品的名称，有的是外包装与名牌产品基本一样，有的是将知名企业的商标作为自己商号在境外登记或抢先注册，令不少消费者无法分辨。作为中国涂料市场的领军品牌，“华润漆”成为众多“傍名牌”不法企业的主要目标，仅在北京市场上，诸如“华润新世纪”这样打着“华润”字号的品牌多达十几种，这些质量完全没有保障的产品不仅损害了消费者的利益，而且大大损害了广东华润涂料有限公司的经济利益和企业形象。 记者从北京市工商局处获悉，本次针对涂料行业的专项整治行动将由各区陆续在辖区内开展，并且对侵权行为进行立案审查，如果这些品牌“傍名牌”不正当竞争行为成立，则会受到《反不正当竞争法》、《商标法》、《企业名称登记管理规定》等有关法律条款的严厉惩罚，以保持市场的健康发展。
4、本报讯 近日，根据国家工商总局对打击“傍名牌”不正当竞争行为专项活动的部署，北京市工商行政管理局，重拳打击涂料市场上的“傍名牌”产品，包括“英国华润”在内的涉嫌侵犯华润涂料“华润漆”商标权的“傍名牌”不正当竞争行为得到查处。 日前，北京大兴区工商分局根据举报，在大兴旧宫建材市场查获涉嫌侵权的“英国华润”涂料53箱。这些涂料涉嫌侵犯广东华润涂料有限公司所拥有的“华润漆”注册商标专用权和“华润漆”外观设计专利权，工商局执法人员依法对这些涉嫌商标侵权的“英国华润”涂料进行暂扣，并立案查处。 “华润漆”是广东华润涂料有限公司的注册商标，2006年，该商标被司法认定为“中国驰名商标”，同时，“华润漆”产品先后被国家质检总局评为“产品质量国家免检产品”、“中国名牌产品”。记者发现，在大兴区被查获的“英国华润”涂料在外观、包装、名称上都和华润涂料非常相似。致使众多不知情的消费者都误以为这是华润公司旗下的子品牌，这一“傍名牌”的行为严重侵害了广东华润涂料有限公司的合法权益。 据业内人士介绍，目前我国涂料行业“傍名牌”现象非常普遍，这些“傍名牌”产品的经营者大多采用地下作坊式生产，产品质量无法有效保证，很多是根本不符合国家标准的“不合格品”，甚至是“有毒有害产品”，严重危害了消费者的人身安全。 在此次专项行动中，海淀区工商分局、房山区分局、大兴区分局在各辖区内的建材市场共查获“英国华润”、“华润新世纪”、“九龙华润”、“润美”、“华润漆王”、“华润第二代”、“华润大赢家”等涉嫌侵权的木器漆共200余组，涂料300多公斤，执法人员对所有被查获的商品依法予以暂扣，目前案件正在进一步处理之中。
2、近日，北京市工商行政管理局根据国家工商总局打击“傍名牌”的要求，对本市涂料行业的“傍名牌”产品进行突击检查，查获各种“傍名牌”的涂料产品200余组，“华润新世纪”等多种涂料品牌因涉嫌“傍名牌”被查处。 在此次专项行动中，房山区工商分局根据举报，在辖区内马各庄建材市场发现了一种广东江门市某涂料厂生产的“华润新世纪”涂料，这种涂料在名称、包装和商标上都与获得“中国驰名商标”的“华润漆”非常相似，工商执法人员依法对这些涉嫌商标侵权的涂料进行暂扣，并立案查处。房山区工商分局经检科的刘科长表示，该涂料产品包装上突出使用了“华润”字样，容易在产品来源上造成与知名商品“华润漆”的混淆，涉嫌侵犯广东华润涂料有限公司所持有的“华润”注册商标专用权。工商执法人员在现场还发现了类似的涉嫌侵权品牌“英国华润”、“华润漆王”等涂料产品近200组，也一并予以查扣。 “华润漆”是广东华润涂料有限公司的注册商标，“华润漆”系列产品先后被国家质检总局评为“国家免检产品”和“中国名牌产品”，去年还被司法认定为“中国驰名商标”。 将行业中的知名商标注册成自己的公司商号，以便混淆公司名称与品牌名，试图使消费者误以为自己的产品与著名品牌有一定关联，从而扩大销路，获取利润，这种现象被业内称为“傍名牌”。近年来，涂料行业的“傍名牌”现象愈演愈烈，有的使用著名企业的名称或其中的部分关键字眼作为自己产品的名称，有的是外包装与名牌产品基本一样，有的是将知名企业的商标作为自己商号在境外登记或抢先注册，令不少消费者无法分辨。作为中国华润涂料市场的领军品牌，“华润漆”成为众多“傍名牌”不法企业的主要目标，仅在北京市场上，诸如“华润新世纪”这样打着“华润”字号的品牌多达十几种，这些质量完全没有保障的产品不仅损害了消费者的利益，而且大大损害了广东华润涂料有限公司的经济利益和企业形象。 记者从北京市工商局处获悉，本次针对涂料行业的专项整治行动将由各区陆续在辖区内开展，并且对侵权行为进行立案审查，如果这些品牌“傍名牌”不正当竞争行为成立，则会受到《反不正当竞争法》、《商标法》、《企业名称登记管理规定》等有关法律条款的严厉惩罚，以保持市场的健康发展。华润涂料 华润涂料 华润涂料 华润涂料
3、近日，北京市工商行政管理局根据国家工商总局打击“傍名牌”的要求，对本市涂料行业的“傍名牌”产品进行突击检查，查获各种“傍名牌”的涂料产品200余组，“华润新世纪”等多种涂料品牌因涉嫌“傍名牌”被查处。 在此次专项行动中，房山区工商分局根据举报，在辖区内马各庄建材市场发现了一种广东江门市某涂料厂生产的“华润新世纪”涂料，这种涂料在名称、包装和商标上都与获得“中国驰名商标”的“华润漆”非常相似，工商执法人员依法对这些涉嫌商标侵权的涂料进行暂扣，并立案查处。房山区工商分局经检科的刘科长表示，该涂料产品包装上突出使用了“华润”字样，容易在产品来源上造成与知名商品“华润漆”的混淆，涉嫌侵犯广东华润涂料有限公司所持有的“华润”注册商标专用权。工商执法人员在现场还发现了类似的涉嫌侵权品牌“英国华润”、“华润漆王”等涂料产品近200组，也一并予以查扣。 “华润漆”是广东华润涂料有限公司的注册商标，“华润漆”系列产品先后被国家质检总局评为“国家免检产品”和“中国名牌产品”，去年还被司法认定为“中国驰名商标”。 将行业中的知名商标注册成自己的公司商号，以便混淆公司名称与品牌名，试图使消费者误以为自己的产品与著名品牌有一定关联，从而扩大销路，获取利润，这种现象被业内称为“傍名牌”。近年来，涂料行业的“傍名牌”现象愈演愈烈，有的使用著名企业的名称或其中的部分关键字眼作为自己产品的名称，有的是外包装与名牌产品基本一样，有的是将知名企业的商标作为自己商号在境外登记或抢先注册，令不少消费者无法分辨。作为中国涂料市场的领军品牌，“华润漆”成为众多“傍名牌”不法企业的主要目标，仅在北京市场上，诸如“华润新世纪”这样打着“华润”字号的品牌多达十几种，这些质量完全没有保障的产品不仅损害了消费者的利益，而且大大损害了广东华润涂料有限公司的经济利益和企业形象。 记者从北京市工商局处获悉，本次针对涂料行业的专项整治行动将由各区陆续在辖区内开展，并且对侵权行为进行立案审查，如果这些品牌“傍名牌”不正当竞争行为成立，则会受到《反不正当竞争法》、《商标法》、《企业名称登记管理规定》等有关法律条款的严厉惩罚，以保持市场的健康发展。
4、本报讯 近日，根据国家工商总局对打击“傍名牌”不正当竞争行为专项活动的部署，北京市工商行政管理局，重拳打击涂料市场上的“傍名牌”产品，包括“英国华润”在内的涉嫌侵犯华润涂料“华润漆”商标权的“傍名牌”不正当竞争行为得到查处。 日前，北京大兴区工商分局根据举报，在大兴旧宫建材市场查获涉嫌侵权的“英国华润”涂料53箱。这些涂料涉嫌侵犯广东华润涂料有限公司所拥有的“华润漆”注册商标专用权和“华润漆”外观设计专利权，工商局执法人员依法对这些涉嫌商标侵权的“英国华润”涂料进行暂扣，并立案查处。 “华润漆”是广东华润涂料有限公司的注册商标，2006年，该商标被司法认定为“中国驰名商标”，同时，“华润漆”产品先后被国家质检总局评为“产品质量国家免检产品”、“中国名牌产品”。记者发现，在大兴区被查获的“英国华润”涂料在外观、包装、名称上都和华润涂料非常相似。致使众多不知情的消费者都误以为这是华润公司旗下的子品牌，这一“傍名牌”的行为严重侵害了广东华润涂料有限公司的合法权益。 据业内人士介绍，目前我国涂料行业“傍名牌”现象非常普遍，这些“傍名牌”产品的经营者大多采用地下作坊式生产，产品质量无法有效保证，很多是根本不符合国家标准的“不合格品”，甚至是“有毒有害产品”，严重危害了消费者的人身安全。 在此次专项行动中，海淀区工商分局、房山区分局、大兴区分局在各辖区内的建材市场共查获“英国华润”、“华润新世纪”、“九龙华润”、“润美”、“华润漆王”、“华润第二代”、“华润大赢家”等涉嫌侵权的木器漆共200余组，涂料300多公斤，执法人员对所有被查获的商品依法予以暂扣，目前案件正在进一步处理之中。
2007年12月9日星期日
Recording Live Streaming Video : Tips For Creating Products
When you finish the research for your website video product and have also completed recording streaming video then it will be time to start working on the script. When running your video on a webpage project it is important not to let the research drag on too long.
Many people fall into the trap of thinking that they need to go on gathering information before they can begin to write a script and; getting bogged down considering how can I put video on my website? This is one of the deadliest forms of procrastination; individuals end up feeling like they have been working all the time, but at the end of the day they sometimes do not seem to get much done in terms of moving closer to their objective of recording live streaming video.
The only way to avoid this type of trap which many people fall into is to set deadlines for recording live video. As with all goal settiing you need to establish a clear time frame for your research for your website video. It's always good to give yourself not quite enough time to get the job done-then start writing the script and always be considering the question how can I put video on my website?. During the scripting process, you will make new connections that show you how to enrich the script when recording live streaming video by adding to it or taking away from it. Invariably when considering video on a webpage me and my team find ourselves needing to do new research in the middle of a script as new ideas push their way to the surface.
The more we work at this, the less up-front time we spend researching a project; we do know that the scripting process normally always triggers new insights and gives us great ideas for recording video that call for new research as discoveries are made, so how do we know what to research before we get everything down on paper? The more and more me and my team work recording live streaming video as writers and project developers, the less time we spend on research before we write a first draft of our script.
In our consulting we find that individuals and newer companies with little experience in business; and the reference here stands for any business, that could be massage therapists, make up artists, painters and decorators or barbers. The fact is that it is a myth to state that all good decisions are always only based on facts. All successful entrepreneurs and business people know that good decisions are based on opinion yet today we know that the decision for recording live streaming video is going and moving with the trend it today's market place. Start with a hunch based on experience and intuition, then apply your skill and ability to develop that concept into a script for your website video. The best time to research your facts is after you've finished a first draft of your script.
Depending on the type of video you decide to create, when recording live streaming video you may want to write a storyboard along with your final script. A storyboard is a visual representation, drawing by drawing, of what the key scenes of the video on a webpage will look like. A storyboard helps you see the whole video in your mind before you shoot it, and it is one of the best ways to trigger your creativity. Cartoons and animated films use very detailed storyboards, of course, and many directors of live action also use storyboards.
If you are planning to hire the services of a production company for recording live streaming video, make sure to work closely with them during the planning process. If you are creating a how-to or motivational video in your area of expertise for your website video, you may well be the best person to write the script and remember not to concentrate on how can I put video on my website? but rather your ought to concentrate on the video on a webpage and on getting your ideas on paper and then work with the production company to arrive at a final script.
One last tip: When recording live streaming video, use humor whenever the website video allows for it. Laughter is one of the best ways to connect to your audience and build a bond of trust and try not to get stuck considering how can I put video on my website? but rather take action and move with the trend in the marketplace.
Many people fall into the trap of thinking that they need to go on gathering information before they can begin to write a script and; getting bogged down considering how can I put video on my website? This is one of the deadliest forms of procrastination; individuals end up feeling like they have been working all the time, but at the end of the day they sometimes do not seem to get much done in terms of moving closer to their objective of recording live streaming video.
The only way to avoid this type of trap which many people fall into is to set deadlines for recording live video. As with all goal settiing you need to establish a clear time frame for your research for your website video. It's always good to give yourself not quite enough time to get the job done-then start writing the script and always be considering the question how can I put video on my website?. During the scripting process, you will make new connections that show you how to enrich the script when recording live streaming video by adding to it or taking away from it. Invariably when considering video on a webpage me and my team find ourselves needing to do new research in the middle of a script as new ideas push their way to the surface.
The more we work at this, the less up-front time we spend researching a project; we do know that the scripting process normally always triggers new insights and gives us great ideas for recording video that call for new research as discoveries are made, so how do we know what to research before we get everything down on paper? The more and more me and my team work recording live streaming video as writers and project developers, the less time we spend on research before we write a first draft of our script.
In our consulting we find that individuals and newer companies with little experience in business; and the reference here stands for any business, that could be massage therapists, make up artists, painters and decorators or barbers. The fact is that it is a myth to state that all good decisions are always only based on facts. All successful entrepreneurs and business people know that good decisions are based on opinion yet today we know that the decision for recording live streaming video is going and moving with the trend it today's market place. Start with a hunch based on experience and intuition, then apply your skill and ability to develop that concept into a script for your website video. The best time to research your facts is after you've finished a first draft of your script.
Depending on the type of video you decide to create, when recording live streaming video you may want to write a storyboard along with your final script. A storyboard is a visual representation, drawing by drawing, of what the key scenes of the video on a webpage will look like. A storyboard helps you see the whole video in your mind before you shoot it, and it is one of the best ways to trigger your creativity. Cartoons and animated films use very detailed storyboards, of course, and many directors of live action also use storyboards.
If you are planning to hire the services of a production company for recording live streaming video, make sure to work closely with them during the planning process. If you are creating a how-to or motivational video in your area of expertise for your website video, you may well be the best person to write the script and remember not to concentrate on how can I put video on my website? but rather your ought to concentrate on the video on a webpage and on getting your ideas on paper and then work with the production company to arrive at a final script.
One last tip: When recording live streaming video, use humor whenever the website video allows for it. Laughter is one of the best ways to connect to your audience and build a bond of trust and try not to get stuck considering how can I put video on my website? but rather take action and move with the trend in the marketplace.
Your Guide To Exploring Santa Monica
Santa Monica first developed into a seaside retreat at the turn of the last century, when railroad owners, in order to fill empty seats on the trains during the weekends, built an amusement park there. Santa Monica has since grown into an urban, eclectic, and very prosperous beach city with estate value ranking among the most expensive in the world. Santa Monica has a geographical location that makes it accessible to major sites like Venice Beach, Malibu, and Beverley Hills.
Santa Monica is located at the western terminus of the 10 Santa Monica Freeway, about 20 miles west of downtown Los Angeles and 7 miles north of Los Angeles International Airport. The city is roughly bounded by Cantilena Blvd to the east, Ocean Park Blvd to the south, San Vicente Blvd to the north and the Pacific Ocean to the west.
The tourist center of Santa Monica is the downtown area located near the famous Santa Monica Pier, which was once the western end of historic Route 66. To get there by car, take the 10 Freeway to the 4th/5th Street exit, then head left toward the ocean. From the north, turn left off the Pacific Coast Highway California 1 at the California Incline, which deposits you just a few blocks north of the pier. Santa Monica is accessible by bus from throughout the Los Angeles region.
Some Things To Do In Santa Monica. There are many, many recreational and cultural opportunities in Santa Monica, including a visit to the famed pier and the many beaches located throughout the city. Here are a few highlights of places that no visit to Santa Monica should be without.
Bergamot Station. A city-owned art gallery compound which includes the Santa Monica Museum of Art.
Montana Avenue. A local street with lots of small stores and restaurants. This is where the local rich folks hang out, so you'll see lots of rich folks shopping, going to Yoga, and walking dogs.
Main Street. A local street that attracts the most surfers and bikers. It is just 2 blocks from the ocean, and is home to many hotspots.
Santa Monica pier, A bustling boardwalk home to the huge ferris wheel that has become the city's icon. The long pier has an old-fashioned amusement park, with reasonable by-the-ride pricing, including a small roller coaster. The pier has restaurants, bars, souvenir shops, and some street performers.
At almost all hours you'll find at least a few people fishing as well. The Santa Monica Pier has terrific coastline views of Malibu and the southbay. The Pier is within easy walking distance to the Promenade.
Santa Monica beach is a large, wide, beautiful beach on either side of the pier.
Perry's rents bikes and roller blades or bring your own for use on the world famous strand that links all of the Westside beach cities. For some of the best people watching in the world, follow the strand south a couple of miles to Venice Beach. Hire a bike or skates and travel along the cycle path (there are a number of shops to hire from around and on the pier).
Third Street Promenade (several blocks of Third Street), A very successful Urban mall project: a vibrant, outdoor street full of restaurants, movie theaters, shopping, bookstores, and bars. Those who enjoy street performances will be impressed by the quality of musicians, dancers, and others. The Promenade is located only three blocks from the beach, the Promenade is one of L.A.'s most popular places to "hang out" for people of all ages.
Twilight Dance Series (on the Santa Monica Pier). Thursday evenings in Summer, starting at 7:30PM. The Twilight Dance Series is a free concert series that has been running since 1983. Acts range from rock to reggae to folk and have included artists such as the Indigo Girls, Patti Smith, Los Lobos, Dick Dale and others. There is no organized seating, so arrive early to stake out a spot and bring something soft to sit on since the pier can be hard (note that once concerts start most people end up standing).
These are just some of the many, many fun opportunities that await you in Santa Monica. For your next vacation or weekend getaway, consider a visit to this famous and beautiful city.
Santa Monica is located at the western terminus of the 10 Santa Monica Freeway, about 20 miles west of downtown Los Angeles and 7 miles north of Los Angeles International Airport. The city is roughly bounded by Cantilena Blvd to the east, Ocean Park Blvd to the south, San Vicente Blvd to the north and the Pacific Ocean to the west.
The tourist center of Santa Monica is the downtown area located near the famous Santa Monica Pier, which was once the western end of historic Route 66. To get there by car, take the 10 Freeway to the 4th/5th Street exit, then head left toward the ocean. From the north, turn left off the Pacific Coast Highway California 1 at the California Incline, which deposits you just a few blocks north of the pier. Santa Monica is accessible by bus from throughout the Los Angeles region.
Some Things To Do In Santa Monica. There are many, many recreational and cultural opportunities in Santa Monica, including a visit to the famed pier and the many beaches located throughout the city. Here are a few highlights of places that no visit to Santa Monica should be without.
Bergamot Station. A city-owned art gallery compound which includes the Santa Monica Museum of Art.
Montana Avenue. A local street with lots of small stores and restaurants. This is where the local rich folks hang out, so you'll see lots of rich folks shopping, going to Yoga, and walking dogs.
Main Street. A local street that attracts the most surfers and bikers. It is just 2 blocks from the ocean, and is home to many hotspots.
Santa Monica pier, A bustling boardwalk home to the huge ferris wheel that has become the city's icon. The long pier has an old-fashioned amusement park, with reasonable by-the-ride pricing, including a small roller coaster. The pier has restaurants, bars, souvenir shops, and some street performers.
At almost all hours you'll find at least a few people fishing as well. The Santa Monica Pier has terrific coastline views of Malibu and the southbay. The Pier is within easy walking distance to the Promenade.
Santa Monica beach is a large, wide, beautiful beach on either side of the pier.
Perry's rents bikes and roller blades or bring your own for use on the world famous strand that links all of the Westside beach cities. For some of the best people watching in the world, follow the strand south a couple of miles to Venice Beach. Hire a bike or skates and travel along the cycle path (there are a number of shops to hire from around and on the pier).
Third Street Promenade (several blocks of Third Street), A very successful Urban mall project: a vibrant, outdoor street full of restaurants, movie theaters, shopping, bookstores, and bars. Those who enjoy street performances will be impressed by the quality of musicians, dancers, and others. The Promenade is located only three blocks from the beach, the Promenade is one of L.A.'s most popular places to "hang out" for people of all ages.
Twilight Dance Series (on the Santa Monica Pier). Thursday evenings in Summer, starting at 7:30PM. The Twilight Dance Series is a free concert series that has been running since 1983. Acts range from rock to reggae to folk and have included artists such as the Indigo Girls, Patti Smith, Los Lobos, Dick Dale and others. There is no organized seating, so arrive early to stake out a spot and bring something soft to sit on since the pier can be hard (note that once concerts start most people end up standing).
These are just some of the many, many fun opportunities that await you in Santa Monica. For your next vacation or weekend getaway, consider a visit to this famous and beautiful city.
The New Formula for Success in the Music Business
Hardly anybody in the music business understands that the old formula of how to successfully promote a new act is obsolete. The record companies are all aware that there is a big problem but they have no idea what the solution is. What they do understand is that they are unable to recoup their investment in studio time with a good producer, the cost of a good video, the advertising budget, and the cost of the first promotional road tour from the profits on a first hit CD. An act must be capable of repeating and sustaining their initial success in the studio in order for a record company to make a profit because the necessary investment has increased dramatically. Ever since the mid 1990's the record companies have become painfully aware that there are no acts containing songwriters who can keep on writing more hit songs. All the new acts since the mid 1990's have one, two, maybe three good songs at the most, and any person who's purchased a CD since that time will testify to that. The record companies also know that MP3 downloading on the internet is a factor that has negatively affected their profits. Put that together with their inability to find sustainable new acts and you have the two main reasons why so many record companies are losing money. The ones that are not losing money are the ones that have a library of popular artists from the past who continue to sell. The record companies now understand that the internet is the new communications medium, it's here to stay, and they are all trying to figure out how to take advantage of it. Their pattern has always been to watch the numbers, analyze the trends, and then try to jump on board and ride the wave for as long as it lasts. If I told them what the answer is to the problems they face, they simply wouldn't know what to do with the information.
The new formula for success is to have the right factors in place first, and then to use the internet's full potential to bring the artist to the attention of the entire world.
Step 1: In order to create a hit record it is necessary to have a hit song. So what is a hit song? It's a song that is so blasted catchy that after hearing it one time people cannot get it out of their minds and they will spend money to own the CD. The best producer cannot produce a hit record without having that kind of raw material. My old friend Gary Kelgren said it best - "You can't polish a turd".
Step 2: In order to create a hit music artist on the internet, of course it is necessary to have one or more hit songs that have been properly produced, but it is also necessary to have a "hit web site". So what is a hit web site? Obviously it's one with thousands of "hits" per day but that's not the point. The point is that in the same way that a hit song works for a listener, a web site must grab a net surfer's interest within the first 5-10 seconds and hold their interest long enough for them to find the hit songs and listen to them. But it should also contain entertaining content for people to read and enjoy because a good web site is a much more complex form of entertainment. The best web sites are the ones that have great creative writing and cannot be digested in one sitting, so people will keep coming back for more entertainment. This kind of web site cannot possibly be designed by a web site design professional because real creative and entertaining writing is not for sale at any price. That means the successful artist of the future needs to be more than just a musician in order to take full advantage of the new medium because the web site needs to reflect the artist's personal expression, and nobody can do that except the artist.
Step 3: Creative internet promotion. The new formula for success may not even require an advertising budget for proper promotion of the web site in order to achieve thousands of hits per day if the promotion is creative enough. But the two previous steps are absolute prerequisites for success in the new medium. A money-losing promotional road tour will be pointless and unnecessary until a large audience is developed by building an internet fan club and selling enough CD's to warrant a road tour that will turn a profit.
The new formula also contains the potential for making the old costly distribution networks obsolete because purchasing directly over the internet could eliminate the necessity for retail mark-ups and thus maximize profits for all concerned. The Recording Industry Association of America has the correct statistics on what music is actually selling as opposed to what is being played on the radio and what the record companies are trying to market. They list The Beatles as the best selling act/artist of all time with 166.5 million albums sold in the USA alone. They list Elvis second with 117.5 million units sold, Led Zeppelin third with 106 million units sold, and the top 25 are dominated by classic rock acts including The Doors, The Stones, Pink Floyd, The Eagles and many others. I think it's very significant that those statistics are becoming geometrically times greater than the number of albums that they sold during their performance lifetimes. What has happened and is happening is that the young people of today are discovering them in droves and buying their music. Traditionally, the record buying public has always been young people between the ages of 12-25 and those demographics have not changed. What this means is that the potential for profit in new classic rock and roll music is beyond calculation.
The new formula for success is to have the right factors in place first, and then to use the internet's full potential to bring the artist to the attention of the entire world.
Step 1: In order to create a hit record it is necessary to have a hit song. So what is a hit song? It's a song that is so blasted catchy that after hearing it one time people cannot get it out of their minds and they will spend money to own the CD. The best producer cannot produce a hit record without having that kind of raw material. My old friend Gary Kelgren said it best - "You can't polish a turd".
Step 2: In order to create a hit music artist on the internet, of course it is necessary to have one or more hit songs that have been properly produced, but it is also necessary to have a "hit web site". So what is a hit web site? Obviously it's one with thousands of "hits" per day but that's not the point. The point is that in the same way that a hit song works for a listener, a web site must grab a net surfer's interest within the first 5-10 seconds and hold their interest long enough for them to find the hit songs and listen to them. But it should also contain entertaining content for people to read and enjoy because a good web site is a much more complex form of entertainment. The best web sites are the ones that have great creative writing and cannot be digested in one sitting, so people will keep coming back for more entertainment. This kind of web site cannot possibly be designed by a web site design professional because real creative and entertaining writing is not for sale at any price. That means the successful artist of the future needs to be more than just a musician in order to take full advantage of the new medium because the web site needs to reflect the artist's personal expression, and nobody can do that except the artist.
Step 3: Creative internet promotion. The new formula for success may not even require an advertising budget for proper promotion of the web site in order to achieve thousands of hits per day if the promotion is creative enough. But the two previous steps are absolute prerequisites for success in the new medium. A money-losing promotional road tour will be pointless and unnecessary until a large audience is developed by building an internet fan club and selling enough CD's to warrant a road tour that will turn a profit.
The new formula also contains the potential for making the old costly distribution networks obsolete because purchasing directly over the internet could eliminate the necessity for retail mark-ups and thus maximize profits for all concerned. The Recording Industry Association of America has the correct statistics on what music is actually selling as opposed to what is being played on the radio and what the record companies are trying to market. They list The Beatles as the best selling act/artist of all time with 166.5 million albums sold in the USA alone. They list Elvis second with 117.5 million units sold, Led Zeppelin third with 106 million units sold, and the top 25 are dominated by classic rock acts including The Doors, The Stones, Pink Floyd, The Eagles and many others. I think it's very significant that those statistics are becoming geometrically times greater than the number of albums that they sold during their performance lifetimes. What has happened and is happening is that the young people of today are discovering them in droves and buying their music. Traditionally, the record buying public has always been young people between the ages of 12-25 and those demographics have not changed. What this means is that the potential for profit in new classic rock and roll music is beyond calculation.
Is It Time to Re-Finance?
Whether or not to re-finance is a question homeowner may ask themselves many times while they are living in their home. Re-financing is essentially taking out one home loan to repay an existing home loan. This may sound odd at first but it is important to realize when this is done properly it can result in a significant cost savings for the homeowner over the course of the loan. When there is the potential for an overall savings it might be time to consider re-financing. There are certain situations which make re-financing worthwhile. These situations may include when the credit scores of the homeowners improve, when the financial situation of the homeowners improves and when national interest rates drop. This article will examine each of these scenarios and discuss why they may warrant a re-finance.
When Credit Scores Improve
There are currently so many home loan options available, that even those with poor credit are likely to find a lender who can assist them in realizing their dream of purchasing a home. However, those with poor credit are likely to be offered unfavorable loan terms such as high interest rates or variable interest rates instead of fixed rates. This is because the lender considers these homeowners to be higher risk than others because of their poor credit.
Fortunately for those with poor credit, many credit mistakes can be repaired over time. Some financial blemishes such as bankruptcies simply disappear after a number of years while other blemishes such as frequent late payments can be minimized by maintaining a more favorable record of repaying debts and demonstrating an ability to repay existing debts.
When a homeowners credit score improves considerable, the homeowner should inquire about the possibility of re-financing their current mortgage. All citizens are entitled to a free annual credit report from each of the three major credit reporting bureaus. Homeowners should take advantage of these three reports to check their credit each year and determine whether or not their credit has increased significantly. When they notice a significant increase, they should consider contacting lenders to determine the rates and terms they may be willing to offer.
When Financial Situations Change
A change in the homeowners financial situation can also warrant investigation into the process of re-financing. A homeowner may find himself making considerably more money due to a change in jobs or considerably less money due to a lay off or a change in careers. In either case the homeowner should investigate the possibility of re-financing. The homeowner may find an increase in pay may allow them to obtain a lower interest rate.
Alternately a homeowner who loses their job or takes a pay cut as a result of a change in careers may hope to refinance and consolidate their debt. This may result in the homeowner paying more because some debts are drawn out over a longer period of time but it can result in a lower monthly payment for the homeowner which may be advantageous at this juncture of his life.
When Interest Rates Drop
Interest rates dropping is the one signal that sends many homeowners rushing to their lenders to discuss the possibility of re-financing their home. Lower interest rates are certainly appealing because they can result in an overall savings over the course of the loan but homeowners should also realize that every time the interest rates drop, a re-finance of the home is not warranted. The caveat to re-financing to take advantage of lower interest rates is that the homeowner should carefully evaluate the situation to ensure the closing costs associated with re-financing do not exceed the overall savings benefit gained from obtaining a lower interest rate. This is significant because if the cost of re-financing is higher than the savings in interest, the homeowner does not benefit from re-financing and may actually lose money in the process.
The mathematics associated with determining whether or not there is an actual savings is not overly complicated but there is the possibility that the homeowner will make mistakes in these types of calculations. Fortunately there are a number of calculators available on the Internet which can help homeowners to determine whether or not re-financing is worthwhile.
When Credit Scores Improve
There are currently so many home loan options available, that even those with poor credit are likely to find a lender who can assist them in realizing their dream of purchasing a home. However, those with poor credit are likely to be offered unfavorable loan terms such as high interest rates or variable interest rates instead of fixed rates. This is because the lender considers these homeowners to be higher risk than others because of their poor credit.
Fortunately for those with poor credit, many credit mistakes can be repaired over time. Some financial blemishes such as bankruptcies simply disappear after a number of years while other blemishes such as frequent late payments can be minimized by maintaining a more favorable record of repaying debts and demonstrating an ability to repay existing debts.
When a homeowners credit score improves considerable, the homeowner should inquire about the possibility of re-financing their current mortgage. All citizens are entitled to a free annual credit report from each of the three major credit reporting bureaus. Homeowners should take advantage of these three reports to check their credit each year and determine whether or not their credit has increased significantly. When they notice a significant increase, they should consider contacting lenders to determine the rates and terms they may be willing to offer.
When Financial Situations Change
A change in the homeowners financial situation can also warrant investigation into the process of re-financing. A homeowner may find himself making considerably more money due to a change in jobs or considerably less money due to a lay off or a change in careers. In either case the homeowner should investigate the possibility of re-financing. The homeowner may find an increase in pay may allow them to obtain a lower interest rate.
Alternately a homeowner who loses their job or takes a pay cut as a result of a change in careers may hope to refinance and consolidate their debt. This may result in the homeowner paying more because some debts are drawn out over a longer period of time but it can result in a lower monthly payment for the homeowner which may be advantageous at this juncture of his life.
When Interest Rates Drop
Interest rates dropping is the one signal that sends many homeowners rushing to their lenders to discuss the possibility of re-financing their home. Lower interest rates are certainly appealing because they can result in an overall savings over the course of the loan but homeowners should also realize that every time the interest rates drop, a re-finance of the home is not warranted. The caveat to re-financing to take advantage of lower interest rates is that the homeowner should carefully evaluate the situation to ensure the closing costs associated with re-financing do not exceed the overall savings benefit gained from obtaining a lower interest rate. This is significant because if the cost of re-financing is higher than the savings in interest, the homeowner does not benefit from re-financing and may actually lose money in the process.
The mathematics associated with determining whether or not there is an actual savings is not overly complicated but there is the possibility that the homeowner will make mistakes in these types of calculations. Fortunately there are a number of calculators available on the Internet which can help homeowners to determine whether or not re-financing is worthwhile.
Why should you buy a Mallorca country house?
Spanish authorities have declared that more than 140, 000 people from UK alone are living in Spain, with the vast majority owning Costa del Sol, Costa Blanca and Mallorca properties. Buying properties such as a Mallorca country house is extremely popular especially among retired couples who find Spain a great place to live. Truth be told, who can resist beautiful beaches, sun throughout the year and one of the lowest costs of living in Europe?
Mallorca properties may seem quite attractive, but one must find out if this is the best thing to do. Doing some research concerning living conditions, work options and even business options is something anyone should do before deciding to buy a Mallorca country house. This is just to make sure a property in Mallorca is what one is really looking for.
Having decided on buying a Mallorca country house, one must browse through the variety of real estate in Mallorca be sure to find anything from old seigniorial manors to studio apartments. Palma, the capital of Mallorca, is full of newly built apartments, but in the rural parts of the islands one is sure to find the perfect Mallorca country house. If you are not sure about buying, you should know there are frequent flights to the island (with the possibility to choose between charter and scheduled) from throughout Europe, and there are also ferry sailings to the mainland including big cities such as Valencia, Barcelona, Ibiza and Alicante.
You should not worry about social life in Mallorca as you can find many excellent shops; Palma has an Auditorium that is famous for its concerts, very good hotels and restaurants, bars and nightclubs, and a great number of painters and artists that can help you attain the Mallorca country house of your dreams. Not far from Palma there are a lot of resorts such as Palma Nova and Portals Nous that can guarantee you a good quality of life and lots of things to do.
The best thing about buying a Mallorca country house is that you can easily find that certain Spanish charm; you are also very likely to find houses with interiors that have remained unchanged with centuries-old traditions of farming and fruit-growing. When researching for Mallorca properties, make sure you know what you are looking for. Even when it comes to country houses you can find some in very populated areas the areas that are advertised on TV and where there are a lot of tourists; or you can find a Mallorca country house in an area that is not that explored by tourists it all depends on you.
Mallorca properties may seem quite attractive, but one must find out if this is the best thing to do. Doing some research concerning living conditions, work options and even business options is something anyone should do before deciding to buy a Mallorca country house. This is just to make sure a property in Mallorca is what one is really looking for.
Having decided on buying a Mallorca country house, one must browse through the variety of real estate in Mallorca be sure to find anything from old seigniorial manors to studio apartments. Palma, the capital of Mallorca, is full of newly built apartments, but in the rural parts of the islands one is sure to find the perfect Mallorca country house. If you are not sure about buying, you should know there are frequent flights to the island (with the possibility to choose between charter and scheduled) from throughout Europe, and there are also ferry sailings to the mainland including big cities such as Valencia, Barcelona, Ibiza and Alicante.
You should not worry about social life in Mallorca as you can find many excellent shops; Palma has an Auditorium that is famous for its concerts, very good hotels and restaurants, bars and nightclubs, and a great number of painters and artists that can help you attain the Mallorca country house of your dreams. Not far from Palma there are a lot of resorts such as Palma Nova and Portals Nous that can guarantee you a good quality of life and lots of things to do.
The best thing about buying a Mallorca country house is that you can easily find that certain Spanish charm; you are also very likely to find houses with interiors that have remained unchanged with centuries-old traditions of farming and fruit-growing. When researching for Mallorca properties, make sure you know what you are looking for. Even when it comes to country houses you can find some in very populated areas the areas that are advertised on TV and where there are a lot of tourists; or you can find a Mallorca country house in an area that is not that explored by tourists it all depends on you.
How Success in Relationships Can Make You a Success in Other Areas
So often in business you hear about the guy who makes it to the top because he ran over everyone to get there. While people who use these types of win-at-all-cost tactics still find a way to succeed, more and more of these people are getting fired, moved to the sidelines, or left behind. Why? Because people have found a better way to win. And it's a biblical tactic that can help you regardless of your occupation or calling in life.
This tactic is called "pursuing in love." And it's something Christians should be especially good at. After all, that's what our Heavenly Father has done with us. He gave us the perfect example by pursuing us in love. He desires to have a relationship with us. So He comes after us.
I recently heard a story about a man who ran for the Georgia state House of Representatives. To win his seat, he had to beat out seven other candidates from his own party. But the next time he ran, he ran completely unopposed. When asked what happened in the years between elections, he said, "After I was elected, I pursued all of the candidates I beat out. I got to know them, and tried to help them in any way I could. When the next election came around, they all knew me and liked me, so they didn't want to run against me."
He turned his enemy into a friend simply by pursuing them and serving them. He could have snubbed his nose at them instead, and said, "I won, so I'm obviously better than you." He didn't have to pursue them. But doing so won them over to his side.
Taking the initiative with other people is a vital part of relationships that most people miss. We're all too busy hoping others will pursue us. And when they don't, we complain about it. We all have a desire to be pursued. So think about how others will feel when you pursue them. You'll make their day.
Here's how you can get started. Make a list of 5-10 people who you would like to pursue. They might be business associates, neighbors, visitors at your church, or people you meet at a social function. Once you have the list of people, find their phone numbers and write them down beside their names. Then, schedule a time to call them and talk. Don't call for a favor or to get something you need. Call to serve them and find out how they're doing.
If it's possible, stop by and see them or invite them to lunch or breakfast. Pour your life into them. As you develop these relationships, find other people to add to your list and begin to pursue them. You never know where the relationships will take you.
This tactic is called "pursuing in love." And it's something Christians should be especially good at. After all, that's what our Heavenly Father has done with us. He gave us the perfect example by pursuing us in love. He desires to have a relationship with us. So He comes after us.
I recently heard a story about a man who ran for the Georgia state House of Representatives. To win his seat, he had to beat out seven other candidates from his own party. But the next time he ran, he ran completely unopposed. When asked what happened in the years between elections, he said, "After I was elected, I pursued all of the candidates I beat out. I got to know them, and tried to help them in any way I could. When the next election came around, they all knew me and liked me, so they didn't want to run against me."
He turned his enemy into a friend simply by pursuing them and serving them. He could have snubbed his nose at them instead, and said, "I won, so I'm obviously better than you." He didn't have to pursue them. But doing so won them over to his side.
Taking the initiative with other people is a vital part of relationships that most people miss. We're all too busy hoping others will pursue us. And when they don't, we complain about it. We all have a desire to be pursued. So think about how others will feel when you pursue them. You'll make their day.
Here's how you can get started. Make a list of 5-10 people who you would like to pursue. They might be business associates, neighbors, visitors at your church, or people you meet at a social function. Once you have the list of people, find their phone numbers and write them down beside their names. Then, schedule a time to call them and talk. Don't call for a favor or to get something you need. Call to serve them and find out how they're doing.
If it's possible, stop by and see them or invite them to lunch or breakfast. Pour your life into them. As you develop these relationships, find other people to add to your list and begin to pursue them. You never know where the relationships will take you.
2007年12月7日星期五
Pc Satellite Tv Software 2007 - Is is really worth buying?
PC Satellite Tv 2007 Edition definitely can be rated to be one of the most best quality product I have tried.This online company selling PC Satellite Tv Software is giving away a good deal during this period.
With over 3000+ channels at a life time small fee of $49.95, it is by far the cheapest considering the superior quality media streaming that you can enjoy from the software from PC satellite TV 2007 Elite Edition.
After comparing with other similar software online, I can conclude that no other is as good as Pc Satellite Tv 2007 Edition. I have been enjoying this innovative Satellite Tv for awhile now but I actually paid 9 times more at $399.00 rather than the limited period special price of $49.95.
I still consider it an excellent deal for getting PC Satellite TV after I started using the software.
Out of the 3000+ channels featuring different daily programs from 78 countries in the world, you literally can get to watch your favorite channels anytime you desire right from your computer.
You will also get free access to movies, sports ,news and such channels from more than 78 different countries for example from UK, USA, AUS, AUS and more. I usually enjoy channels like the lastest movies,music of different genes, international news and kids channel with my little cousin too.
Once you downloaded and installed the Pc on Satellite Tv software on your computer or laptop, it is very user friendly and you will get use to it really fast. No additional upgrade needed on extra Tv or video card.
One sentence to describe such software would be " a one time install, click and then enjoy". With the many channels available, you can use it for instant informational, educational and entertainment purposes with just a few clicks.
You can enjoy any stations and programs to your heart content because the Pc Satellite Tv software membership will auto tune your computer to receive them. It allows you and family to watch any channels from different countries regardless of where you are.
As soon as you download, you can install easily because of the built in design features of the Pc Satellite Tv software.It only took me 5 mins to set up and I can start watching any programs I like almost instantly.
This is no doubt one outstanding Pc Satellite Tv software I would recommend to my friends. It also comes with a risk free money back guarantee meaning if you are not happy with it, you can request for a full refund.
I can give this PC satellite TV 2007 Elite Edition offer a perfect 10/10 in its class.
One "negative" point is that - Once you joined the lifetime membership, they are actually giving you so much programs and stations to choose from it is hard to make a choice and would take you awhile to explore all definitely.(At least to me.)
Although this review of mine is simple and straight forward, I really hope it could help you decide which is the better Pc Satellite Tv you can invest in.
With over 3000+ channels at a life time small fee of $49.95, it is by far the cheapest considering the superior quality media streaming that you can enjoy from the software from PC satellite TV 2007 Elite Edition.
After comparing with other similar software online, I can conclude that no other is as good as Pc Satellite Tv 2007 Edition. I have been enjoying this innovative Satellite Tv for awhile now but I actually paid 9 times more at $399.00 rather than the limited period special price of $49.95.
I still consider it an excellent deal for getting PC Satellite TV after I started using the software.
Out of the 3000+ channels featuring different daily programs from 78 countries in the world, you literally can get to watch your favorite channels anytime you desire right from your computer.
You will also get free access to movies, sports ,news and such channels from more than 78 different countries for example from UK, USA, AUS, AUS and more. I usually enjoy channels like the lastest movies,music of different genes, international news and kids channel with my little cousin too.
Once you downloaded and installed the Pc on Satellite Tv software on your computer or laptop, it is very user friendly and you will get use to it really fast. No additional upgrade needed on extra Tv or video card.
One sentence to describe such software would be " a one time install, click and then enjoy". With the many channels available, you can use it for instant informational, educational and entertainment purposes with just a few clicks.
You can enjoy any stations and programs to your heart content because the Pc Satellite Tv software membership will auto tune your computer to receive them. It allows you and family to watch any channels from different countries regardless of where you are.
As soon as you download, you can install easily because of the built in design features of the Pc Satellite Tv software.It only took me 5 mins to set up and I can start watching any programs I like almost instantly.
This is no doubt one outstanding Pc Satellite Tv software I would recommend to my friends. It also comes with a risk free money back guarantee meaning if you are not happy with it, you can request for a full refund.
I can give this PC satellite TV 2007 Elite Edition offer a perfect 10/10 in its class.
One "negative" point is that - Once you joined the lifetime membership, they are actually giving you so much programs and stations to choose from it is hard to make a choice and would take you awhile to explore all definitely.(At least to me.)
Although this review of mine is simple and straight forward, I really hope it could help you decide which is the better Pc Satellite Tv you can invest in.
Shop for Original Paintings and Painted Ceramics Online
All of us have an inclination towards art and beauty, although some of us may never act upon it. Some people show their creative side by painting, drawing or composing. But many of us are less talented than that, and we can only admire the works of art that other people create and wish that we could do the same. The age that we live in is technological above everything else, and people seem less and less attracted to art, in the form of poetry, painting, theatre, dancing, etc. Music is still extremely popular, especially among teenagers, but the styles of music that todays teenagers prefer can hardly be called a form of art.
Being creative is most commonly encountered when people are trying to decorate their homes. Each and everyone of us feels free to express any ideas regarding the way their home is going to look, since they are the ones who will be living in it. Some people may find it hard to get the job done right, or are afraid that the outcome wont exactly be satisfactory, which is why they choose to hire a professional designer. But for those of us who cannot afford one, or simply want our homes to have our personal touch, the options are unlimited. There are so many styles of furniture, paintings, woodcrafts, etc. that you can match, mix, or combine, and as long as you know what you want your home to look, you cannot be mistaken. All you have to do is follow your intuition, and maybe consult some guides on how to arrange your home. As far as choosing pieces of decorative art is concerned, you can rest assured; there are plenty to choose from.
Once you have chosen the furniture and the color of your wallpaper, for instance, you definitely need to make your home unique, by adding some decorative objects that are representative of your style and tastes. And the first thing that comes to mind is paintings. Im sure that many of you would like to have the works of famous painters in their homes, or even some very good replicas, but the truth is that you probably cannot afford either. Or maybe you dont like the idea of having famous paintings on your walls, as many other people have them as well. The good news is that you can buy original paintings signed by less famous artists, and you dont even have to take the trouble of going to a gallery. Original paintings are now available online, and all you have to do is make an order and youll receive your painting at home.
Just imagine the look on your friends faces when they see some original paintings that they do not recognize, and whose subject is so original. You can have all the rooms in your home decorated with original paintings of the same artist, or you can simply ask for fine art prints, if you see a painting that you like, but you cant afford it.
If original paintings or prints are not exactly what you had in mind about decorating your home, another possibility of adding a unique touch would be to choose some hand-painted ceramics. High quality painted ceramics are also available online, and they have quite affordable prices, given the fact that they are unique.
All in all, if your artistic side is only shown when you decorate your home, make sure its something stylish and tasteful. You can purchase original paintings and unique hand-painted ceramics online, and give your home a unique look.
Being creative is most commonly encountered when people are trying to decorate their homes. Each and everyone of us feels free to express any ideas regarding the way their home is going to look, since they are the ones who will be living in it. Some people may find it hard to get the job done right, or are afraid that the outcome wont exactly be satisfactory, which is why they choose to hire a professional designer. But for those of us who cannot afford one, or simply want our homes to have our personal touch, the options are unlimited. There are so many styles of furniture, paintings, woodcrafts, etc. that you can match, mix, or combine, and as long as you know what you want your home to look, you cannot be mistaken. All you have to do is follow your intuition, and maybe consult some guides on how to arrange your home. As far as choosing pieces of decorative art is concerned, you can rest assured; there are plenty to choose from.
Once you have chosen the furniture and the color of your wallpaper, for instance, you definitely need to make your home unique, by adding some decorative objects that are representative of your style and tastes. And the first thing that comes to mind is paintings. Im sure that many of you would like to have the works of famous painters in their homes, or even some very good replicas, but the truth is that you probably cannot afford either. Or maybe you dont like the idea of having famous paintings on your walls, as many other people have them as well. The good news is that you can buy original paintings signed by less famous artists, and you dont even have to take the trouble of going to a gallery. Original paintings are now available online, and all you have to do is make an order and youll receive your painting at home.
Just imagine the look on your friends faces when they see some original paintings that they do not recognize, and whose subject is so original. You can have all the rooms in your home decorated with original paintings of the same artist, or you can simply ask for fine art prints, if you see a painting that you like, but you cant afford it.
If original paintings or prints are not exactly what you had in mind about decorating your home, another possibility of adding a unique touch would be to choose some hand-painted ceramics. High quality painted ceramics are also available online, and they have quite affordable prices, given the fact that they are unique.
All in all, if your artistic side is only shown when you decorate your home, make sure its something stylish and tasteful. You can purchase original paintings and unique hand-painted ceramics online, and give your home a unique look.
Learn From Home Through Online School Education
Learning is a continuous process. It is also not that a child only gets the chance of leaning from conventional education given in the schools. A child learns more from his/her surroundings in the natural flow of life. Then after a certain age the provision of school education is opened for them and a systematic way of imparting education is thereafter implied. This is the process we have known for ages.
Nowadays the mode of imparting education has been given a novel shape with the advent of modern technologies. The basis is the same where as the approach differs. Online education is one such mode, which has propelled through immense popularity in the last decade and at present has taken the shape of one of the most convenient ways of learning.
There are different modes of online education. Among them the online school education is a unique medium to arrange for a school right at home and educate your child in the best, latest and fastest possible way. Again the home online school education may be complementary to conventional school education and help the student with extra knowledge and precise understanding of the course and curriculum without any wastage of time and energy. The only reason is you can access everything just sitting from your home.
Concept of internet classroom
Online school education from home is entirely depended on the internet classrooms. Anyone can who is eligible to be a part of the curriculum can become the student of the class irrespective of the location he/she resides in. A virtual setup is developed and students from any corner of the globe who has the facility of internet connection at home can become the student of such online schools.
The selection of subjects has been designed on the basis of modern education system with a global outlook. The interesting factor is that the whole world is converged through this process and children get united in a form and join hands to work and explore knowledge and wisdom. As such there is no hurdle except for the noisy classroom session when the teacher is not in as in case of a real classroom structure.
Other benefits
Online school education from home gives your child a safe and healthy ambience for education. All sorts of modern nuisances like drug abuse, alcoholism, getting entrapped into bad company. Involving into some malpractices and wrong deeds can be avoided to a large extent. It is always under your supervision that things will take place and who can be the best guide for your child better than you?
Nowadays the mode of imparting education has been given a novel shape with the advent of modern technologies. The basis is the same where as the approach differs. Online education is one such mode, which has propelled through immense popularity in the last decade and at present has taken the shape of one of the most convenient ways of learning.
There are different modes of online education. Among them the online school education is a unique medium to arrange for a school right at home and educate your child in the best, latest and fastest possible way. Again the home online school education may be complementary to conventional school education and help the student with extra knowledge and precise understanding of the course and curriculum without any wastage of time and energy. The only reason is you can access everything just sitting from your home.
Concept of internet classroom
Online school education from home is entirely depended on the internet classrooms. Anyone can who is eligible to be a part of the curriculum can become the student of the class irrespective of the location he/she resides in. A virtual setup is developed and students from any corner of the globe who has the facility of internet connection at home can become the student of such online schools.
The selection of subjects has been designed on the basis of modern education system with a global outlook. The interesting factor is that the whole world is converged through this process and children get united in a form and join hands to work and explore knowledge and wisdom. As such there is no hurdle except for the noisy classroom session when the teacher is not in as in case of a real classroom structure.
Other benefits
Online school education from home gives your child a safe and healthy ambience for education. All sorts of modern nuisances like drug abuse, alcoholism, getting entrapped into bad company. Involving into some malpractices and wrong deeds can be avoided to a large extent. It is always under your supervision that things will take place and who can be the best guide for your child better than you?
Andorra Opens Door For More Tax Exiles
Increasing demand for residency in the European tax haven of Andorra has been seen, as rival tax haven Monaco has seen her property prices rise significantly.
And while property prices in Andorra have increased significantly as well, particularly in the last three years, it started from a much lower base than Monaco, and a property in Andorra still costs less than a quarter of that of Monaco.
The lowest price property in Andorra is currently a 38m2 studio apartment at 145,000 Euros, while in Monaco a 30m2 studio with a 7m2 balcony is on the market for 720,000 Euros.
Similarly, a three bedroom two bathroom 100m2 apartment in Andorra's prime ski village of Soldeu is being marketed at 395,000 Euros, while in Monaco 2,500,000 Euros is being asked for a slightly larger 108m2 two bedroom apartment in the Fontvieille district of the principality.
As well as lower cost property, Andorra has the added advantage over Monaco of lower closing costs - while Monaco is in double digits Andorra's is around six per cent.
One of the reasons for Monaco's soaring property prices has been the lack of new buildings and properties in recent years. Although some new building is currently taking place, the apartments will be for Monaco citizens rather than incoming residents, ensuring key workers can live as well as work in their home country.
A new island is planned to be built off Monte Carlo which will add housing stock for new residents, but this could be as much as ten year before it is ready.
The tax benefits of Andorra compare very well Monaco, with private banking, income and inheritance tax at zero, security and privacy achieved for high net worth individuals in both.
Buying a property in Andorra is often seen as a route to residency, which entitles people to live in Andorra and benefit from her tax haven status.
To obtain residency in Andorra, applications need to be submitted in Catalan. A notarised copy of the applicants passport, birth certificate and a certificate of good conduct from the home country are submitted at the same time. Residency normally takes between three and six months to be approved.
Once residency is granted, residents are supposed to spend six months a year in Andorra, but this isn't policed.
One of the drawbacks for those looking to become a resident in a tax haven when considering Andorra has been that the country has no airport of its own, and is unlikely to have ine future given that it is located in the Pyrenees. The nearest airports are Barcelona and Toulouse.
Recent improvements in the road from Barcelona to Andorra though have cut the travelling time by some thirty minutes to two hours fifteen minutes.
'Given the tax advantages Andorra has', an Andorra travel guide, 'A two and a quarter hour trip to the nearest international airport could be viewed as a small price to pay for those who will be saving substantial amounts of money in tax. Especially when you consider that their properties could be rising in value quite significantly in the years to come, and for those who like skiing it's a holiday and tax paradise in one!'
But with increased property prices it could be time for potential tax exiles to act now.
And while property prices in Andorra have increased significantly as well, particularly in the last three years, it started from a much lower base than Monaco, and a property in Andorra still costs less than a quarter of that of Monaco.
The lowest price property in Andorra is currently a 38m2 studio apartment at 145,000 Euros, while in Monaco a 30m2 studio with a 7m2 balcony is on the market for 720,000 Euros.
Similarly, a three bedroom two bathroom 100m2 apartment in Andorra's prime ski village of Soldeu is being marketed at 395,000 Euros, while in Monaco 2,500,000 Euros is being asked for a slightly larger 108m2 two bedroom apartment in the Fontvieille district of the principality.
As well as lower cost property, Andorra has the added advantage over Monaco of lower closing costs - while Monaco is in double digits Andorra's is around six per cent.
One of the reasons for Monaco's soaring property prices has been the lack of new buildings and properties in recent years. Although some new building is currently taking place, the apartments will be for Monaco citizens rather than incoming residents, ensuring key workers can live as well as work in their home country.
A new island is planned to be built off Monte Carlo which will add housing stock for new residents, but this could be as much as ten year before it is ready.
The tax benefits of Andorra compare very well Monaco, with private banking, income and inheritance tax at zero, security and privacy achieved for high net worth individuals in both.
Buying a property in Andorra is often seen as a route to residency, which entitles people to live in Andorra and benefit from her tax haven status.
To obtain residency in Andorra, applications need to be submitted in Catalan. A notarised copy of the applicants passport, birth certificate and a certificate of good conduct from the home country are submitted at the same time. Residency normally takes between three and six months to be approved.
Once residency is granted, residents are supposed to spend six months a year in Andorra, but this isn't policed.
One of the drawbacks for those looking to become a resident in a tax haven when considering Andorra has been that the country has no airport of its own, and is unlikely to have ine future given that it is located in the Pyrenees. The nearest airports are Barcelona and Toulouse.
Recent improvements in the road from Barcelona to Andorra though have cut the travelling time by some thirty minutes to two hours fifteen minutes.
'Given the tax advantages Andorra has', an Andorra travel guide, 'A two and a quarter hour trip to the nearest international airport could be viewed as a small price to pay for those who will be saving substantial amounts of money in tax. Especially when you consider that their properties could be rising in value quite significantly in the years to come, and for those who like skiing it's a holiday and tax paradise in one!'
But with increased property prices it could be time for potential tax exiles to act now.
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