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- 100% Financing: If You Don't Have Cash For a Down Payment For a House [1 Update]
- Qualifying For a Bad Credit Mortgage [1 Update]
- Mortgage For Self Employed: Fulfill Your Dream of Owning Your Own Home [1 Update]
- Home Equity Line of Credit: Get Cash From Your Home [1 Update]
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Article Title: 100% Financing: If You Don't Have Cash For a Down Payment For a House
Author: Bary Dawn
Word Count: 591
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Having your own home can change your life for the better. The security of having your own home instead of renting gives you peace of mind and pride in all the hard work you do to keep your home. But what is stopping you from getting a mortgage? Is it because you don't have cash for a down payment? Read on.
Financing Mechanics
A 100% financing is about two loans in one. The 20% of the loan goes for the deposit and the 80% is the cash you get to pay a new home. Before your loan application is approved you go through a process. Your credit record is checked and you have to show proof of income via your income tax payments or income tax returns. You also have to be a resident in the locality for at least two or three years prior to the loan application.
What's the fuss with this 20%? That is the nitty gritty of the loan. Without the down payment of 20% your bills bloat because of the private mortgage insurance or PMI fees lodged on the home loan. This is a separate loan also offered by the lender. This 20% loan saves you a lot of money in the long run.
There is nothing special about getting this type of loan, so don't work up a sweat thinking you cannot get 100% financing for that little house on the block. Everyone, including individuals with spotty credit record can get this financing from a local lender; make sure though you are dealing with reputable lender, not overnight companies that are mushrooming left and right all over the city.
As long as you meet the guidelines for 100% financing and are aware of the small print, you can avoid problems later on. You must at all cost know what you are getting into. Don't fall for lax underwriting processes and other shenanigans that make the loan amazingly attractive. This is a loan not a government grant and you have to pay the loan with your blood, sweat, and tears. The mortgage broker should be blunt about the terms and spell clearly what you are up against.
Structuring Your Financing
So now you know you qualify for this loan type. Now how about the payment? As a rule of thumb avoid borrowing from different lenders. Look for a lender willing to give you 100% financing whatever your credit record says about your financial health. You have the right to own a home whatever your financial short coming may be. This is a confusing deal and no two lenders have the same policies and this can lead to more confusion.
If you have a low score something below 560, few lenders would look at your loan application. But if you can prove that you have the money to keep up with long-term loan, lenders might reconsider and accept your proposal for a repayment structure. You should get the help of an independent licensed mortgage broker who can do the structuring job efficiently after evaluating your finances.
If that house on the block is up for sale yet, talk to the seller before settling for 100%l financing. Shop around for lower-priced homes. To drive it home, don't get a house you cannot afford on your current pay. Be smarter than your lenders and eventually own that nice little house on the block.
Allegro Mortgages Corp. – Best Broker for All Your Financing Requirements
(416) 987-0008
About The Author: 100% financing (http://www.amortgages.ca/)? Refinancing Toronto (http://www.amortgages.ca/index.php/en/best-mortgage-toronto) lenders and shop for the best mortgage rate Concord (http://www.amortgages.ca/index.php/en/best-mortgage-concord) lenders can offer. Visit AMortgages.ca today.
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Article Title: Qualifying For a Bad Credit Mortgage
Author: Bary Dawn
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Are you already giving up buying a house of your own because banks said no to your loan application? Not yet. Don't give up yet even if you have bad credit. There are private lenders willing to give you a chance to own a home.
How Do You Qualify a Mortgage with Bad Credit
There are strings attached to a bad credit mortgage that you can manage. So don't pack your bags yet for the streets. You can still get a mortgage to save your home. Even if you have bad credit but your home's value has increased lenders will lend you the money you need to pay off your house. This is a typical equity line of credit given to borrowers with bad credit.
Or if you still have a balance with the lender, you are required to pay off the balance before you get a new loan. Or in some cases, lender won't blink an eye even if you have a hefty balance so long as you agree to an increase in the down payment.
If you have just declared bankruptcy, going for a bad credit mortgage will be tough. You must muster enough cash for the down payment. The higher the down payment you can offer, the better your chances but lenders often require that you have reestablished your credit record but if you have security, you won't have a hard time convincing lender you are worth the risk but if the minimum two years has not passed, you have to put up a higher down payment for the new loan.
You have now the option to choose which credit path to take to save your home and keep your family under one roof. The bad credit mortgage, whatever its name is a lifeline to your family's security and future.
Here's the catch. The process of going through this type of mortgage application is tedious and the interest rates tougher, but these are small inconvenience to keep you and your family afloat during the hard times. This time however, it is your rare chance to dust off the spots from your credit record.
Talk to a mortgage broker about your problem or do some research about bad credit lending policies. If you think you can make it based on your current finances, by all means take out a new mortgage from your lender instead of hopping to another lender. But if the new lender offers a better rate, count the cost before switching lenders. Your current lender will demand a prepayment fee because you have paid the mortgage ahead of the pre-agreed timeframe.
Where to Buy Your New Home
If you are planning to relocate and if circumstances permit that you relocate to rural areas, you can save more money on your bad credit mortgage. Interest rates for properties in rural areas way lower because properties are priced lower. You still save money after paying off your monthly bills. Be creative. Houses in rural areas may not be your cup of tea, but think of the property in investment terms and future security.
A home is still a home whether it is in the backwoods or in the metropolis. It's all a matter of making do with your finances and having a successful bad credit mortgage to get you back on track.
Allegro Mortgages Corp. – Best Broker for All Your Financing Requirements
(416) 987-0008
About The Author: Credit mortgage (http://www.amortgages.ca/) and a lower mortgage rate Concord (http://www.amortgages.ca/index.php/en/best-mortgage-concord). Give you a reasonable mortgage rate Toronto (http://www.amortgages.ca/index.php/en/best-mortgage-toronto) For more information, visit AMortgages.ca.
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Article Title: Mortgage For Self Employed: Fulfill Your Dream of Owning Your Own Home
Author: Bary Dawn
Word Count: 622
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The self-employed always got the shorter end of the stick whenever there were goodies to spread around, specifically loans and financing schemes. Though no fault of their own, they could not access reasonable loans for lack of documentation to prove that they have a steady source of income. Not anymore with the mortgage for self employed.
Own Your Own Home Now
For years you have watched employed friends buying their first homes with employee-friendly mortgages. It sucked because you earned more than them and you were your own boss, working with your own hours in your own terms; when it however came to mortgages and financing schemes, you get stuck because no lender would ever dream of giving you a mortgage on the claim that you earned this much regularly and for years already. A mortgage for self employed was unheard of back then.
Then business boomed in Canada and lawmakers saw that the self employed had much to do contribute to the booming economy and lenders saw an untapped market waiting for a chance to own their homes via financing and other mortgage schemes. If you have been employed for at least three years and have your income tax papers to show it or a business colleague who can vouch for your claims, lenders will gladly consider your application for a mortgage for self employed.
Now after years of envying your employed friends, you can get a mortgage to make improvements on your home, buy that house, or get financing for a car - whether you are single, married, or a single mom. When you approach a lender, be ready with your recent tax assessments. Your papers should show that your net income is much higher than your gross income. If this is so, applying for a mortgage for self employed will be easy. Tax deductions are in order if you have a mortgage, now that's cool.
But this type of mortgage also hinges on your beacon score. If you have a low beacon score lenders have to calculate how they can lend you. The same goes for the employed. If you have a good beacon score, have built equity on your home, and have a higher net income than your gross income, you are a sound candidate for the mortgage. So start shopping for a bank or a lender ready to give the most reasonable rates in town.
Other Requirements
Before applying online for mortgage for self employed, gather you business license, GST filing, and other business related documents. These documents will show proof you've been around for years. Prepare your Notice of Assessment or NOA to prove you are current with government revenue; the NOA will be required to determine your chances for a loan to value ratio of your mortgage.
To determine your loan to value ratio simply add the property's purchase price and subtract the advance payment you are going to pay. Then revert to the original purchase price of the house and divide the loan amount by the value of the purchase price amount. The outcome is the bid you make. If you have come up with 86 percent loan to value ratio, ask the lender for loan to value ratio of the mortgage of 86%.
If you are buying a house, you should be able to show proof that you have paid the down payment. A higher down payment paid assures lenders you are a good investment for their business. You get approved for a mortgage for self employed real fast.
Allegro Mortgages Corp. – Best Broker for All Your Financing Requirements
(416) 987-0008
About The Author: mortgage for self employed (http://www.amortgages.ca/). With the help of refinancing Toronto (http://www.amortgages.ca/index.php/en/best-mortgage-toronto) and refinancing Concord (http://www.amortgages.ca/index.php/en/best-mortgage-concord) lenders.Visit http://AMortgages.com today
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Article Title: Home Equity Line of Credit: Get Cash From Your Home
Author: Bary Dawn
Word Count: 588
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Have you been spending a fortune improving your home? Then it is about time to count your money in terms of the home equity line of credit.
You're Sitting on a Fortune!
You might not have the cash to show it but your home can get you the cash you need for the college tuition of your child or to pay off a huge medical bill. If you haven't the faintest notion where to borrow money start checking out mortgage lenders willing to give you a home equity line of credit. There won't be a problem if there's no bad mortgage precariously dangling over your head or a bad credit record smirching your credit reputation.
With the right documentation, a good credit record, and a house outfitted with the latest in home decorating and improvements, you have every right to demand lower rates from the local lender. Lenders will have your house valuated against the going market rates to determine if you are indeed eligible for a home equity line of credit. With everything going right for you, you get the best deal for this type of credit and you get the money you need immediately.
Don't lose hope now if you have no money just when you need it. Your beautiful house will be your best friend in time of need. A word of caution though, don't get carried away by the huge amount you can borrow, but settle for a number you can afford to pay monthly on a long term mortgage granting that your income does not dip over the years. You have the option too to pay the loan - weekly or monthly, whatever suits your convenience and your pocket. This flexibility gives you control over your loan.
Generally lenders offer 80% of the value of your home. If your home is currently valued a million dollars, imagine the amount you can borrow! If you are getting a another mortgage loan or a refinance, using the home equity line of credit, whatever balances you still will be deducted from the cash you receive but the deducted amount is used to pay off the old loan.
Never Want for a Loan
If you don't miss a payment over the years, you reduce your loan balance and increase the available credit. When the draw time is near, you immediately get another loan. If you the draw period is over, you cannot get another loan. That is how the home equity line of credit works. You can use the new loan for a car purchase, a vacation, or take advantage of investment opportunities that come your way.
If you have bad credit owing to some unforeseen emergencies but the value of the homes in your area have increased and you have done a lot of improvements in your home, you can still get loan of this type from reputable local mortgage lenders and enjoy the same advantages given to borrowers with good credit standing.
However, you have to make do with the higher interest rate but then in the long run, you can clean your credit record with timely payments over the years and eventually increase the amount you can borrow against your home's equity. Check the home equity line of credit rates of local lenders and solve your money problems fast.
Allegro Mortgages Corp. – Best Broker for All Your Financing Requirements
(416) 987-0008
About The Author: home equity line of credit (http://www.amortgages.ca/) from a reliable mortgages Concord (http://www.amortgages.ca/index.php/en/best-mortgage-concord) lender?mortgages Toronto (http://www.amortgages.ca/index.php/en/best-mortgage-toronto) lenders are willing to lend.Visit AMortgages.ca today.
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Article Title: Make a Mortgage Switch Fast Before Rates Go Up Faster
Author: Bary Dawn
Word Count: 633
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If you want to clear your debts once and for all hightail it to the nearest reputable lender to get a mortgage switch before rates soar to agonizing heights. In the mortgage carousel, it's smart to get on when the rates are low to maximize your mortgage loan.
The Mortgage Switch
An open mortgage presents a nice picture these days but can catch you off guard anytime should rates soar anew. If the present rates of a closed mortgage are a bit higher than an ARM, at least you know how much you are going to be paying during the lifetime of the mortgage. By totaling your expenses you can regularly keep aside the amount you have to pay monthly; should you go short for a month, you can still hold on to your home. A mortgage switch therefore is a ready option.
If you are currently having trouble keeping up with monthly bills or want to pay off all your debts, you can make a mortgage switch and still have enough money to go around. Your plight is understandable because existing homeowners in your neighborhood are facing the same problem but see the light at the end of a tunnel by switching their mortgage with the same lender or a new lender.
But face it, not all lenders have the same idea about renewing loans. Some lenders have toughened up their requirements in view of the rising defaults and the threat of losses. If you have a good credit standing with your lender, you can easily cinch a lower interest rate with your lender or bank. But if you have been remiss with your payments your application for a mortgage switch might be disapproved OR you have to contend with higher interest rates than what is generally given to good payers.
The current going rates for a fixed rate term for a 10 year mortgage hovers now at 5.200%. If you are paying more than this on your current mortgage and you want a lower interest rate, the mortgage switch will work for you. But make it fast before the figures increase.
The Process
The switch is plainly a new loan or a refinancing scheme. There's no mystery to it - it is still a loan that has to be paid on the dot regularly. Failing to pay the loan on time once or twice in a row can damage your credit rating but here's good news to homeowners with bad credit record - they can use the new loan to clean up their credit record by paying the mortgage bills on time and build equity on their homes, making them eligible for an equity line of credit in the future.
When applying for a mortgage switch, borrowers are asked to fill out lots of paperwork and are hit with stringent lending criteria. These days, with default payments piling up, lenders have lengthened the life loan of a new loan. Instead of looking at ten years to pay off the new mortgage homeowners are saddled with additional years something between 11 and 20 years, depending on the amount of the mortgage switch.
There are also fees to pay but knowing that what you have been through with the first mortgage, you can get better deals by cutting corners. If you are using the same lender for your mortgage switch, there may be some fees that won't be charged. Ask your lender about this or if you are using a mortgage broker to do the dirty work, let him find ways to avoid some fees. He will know what to do.
Allegro Mortgages Corp. – Best Broker for All Your Financing Requirements
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About The Author: A mortgage switch (http://www.amortgages.ca/) will work for you if you want lower rates http://now.Competitive mortgage rate Vaughan (http://www.amortgages.ca/index.php/en/best-mortgage-vaughan) lenders can offer.reputable mortgage Toronto (http://www.amortgages.ca/index.php/en/best-mortgage-toronto).
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Topic: Sharks - Hunters of the Sea
- "Carey Baird" <submissions@isnare.net> Apr 19 04:25AM +0800 ^
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Article Title: Sharks - Hunters of the Sea
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One of the most common fears of going into the ocean is the fear of shark attacks, although you may be interested to know that shark attacks kill less people every year than lightning. Sharks have been studied for many years, and have been around for millions of years. They are an extremely successful species, and their overall structure hasn't changed much in the time that they have existed. In this article, we'll take a brief look at some general information on sharks.
Sharks are carnivorous animals, and will attack virtually anything they think they can eat, provided they are hungry enough. Sharks have no actual bones because their skeletal structure is made from cartilage. Cartilage is a bone-like material that offers a greater amount of flexibility than bone. Sharks absorb oxygen into their system by taking in water through their gills, much like other types of fish, although unlike other types of fish the water is pushed through by swimming forwards. Therefore, if a shark stops swimming, it will fail to take in oxygen and die. It is an odd sight to see a shark at rest, because they will constantly drift forward in order to stay oxygenated.
Sharks are very good swimmers, and can reach very high speeds in water. They can live in both salt and freshwater. Sharks have a very good sense of smell, and can hunt using their sense of smell alone. The scent of blood in the water will often cause sharks to check out the source and see if it is a source of food. Their sense of sight is also pretty advanced, and they have membranes over their eyes to protect them from saltwater. Sharks also have incredible senses of hearing, although this may seem hard to believe. They can often hear the movement of prey miles away, and sense sound through catching the vibrations. Sharks even have organs that can sense electromagnetic signals given off by living things, and have hundreds and sometimes even thousands of these receptors throughout their body.
If this information is starting to scare you, keep in mind that very few people are actually attacked by sharks. Only a few people are killed by shark attacks each year worldwide, and many sharks will only attack a human being if they are starving, or if the person is mistaken for a type of prey the shark usually hunts for.
Sharks have been regarded as the hunters of the sea for many years, and have existed in relatively the same form as they are now for millions of years. Sharks have survived several eras during their existence, and are older than many types of dinosaurs. If you have an interest in these unique and amazing creatures, you'll likely be interested in the huge variety of shark pictures available online. In this article, we'll take a look at some of the various types of shark pictures you can expect to see while browsing the web, and a couple facts about how the pictures originate.
Shark pictures generally come in one of two forms – photographs from biological studies in which the sharks are seen in their natural habitat, as well as photographs taken after sharks are caught (either accidentally or during shark fishing). These pictures sometimes include sharks in action, either hunting or even breaching the ocean's surface for a snap at the camera. Shark pictures make great backgrounds for desktops or even themes for kids' bedrooms if they're interested in them.
Sharks represent all of the ferocity and danger inherent in the ocean, and are perhaps one of the most (if not the most) feared sea creatures. Some sharks are incredibly dangerous, although the types of sharks that are generally most feared (great white sharks, for example) are not the kind that you need to look out for most. One of the most dangerous types of shark is the tiger shark, which may not be the biggest or nastiest, but are certainly one of the most aggressive. Tiger sharks will eat almost anything they come into contact with, and are almost always hungry. If you want to try taking shark pictures of your own, you must make absolutely sure that you are safe within a certified shark tank and in the presence of trained professionals.
Shark pictures can be truly impressive when they are taken in their natural habitat, although there is very little more breathtaking to your family and friends than a photo of you holding up a full sized shark from a fishing line. Shark fishing is, of course, a dangerous sport, and should be taken seriously – even if you plan on doing it just for the photos. There are lots of different types of shark photos out there, and there is sure to be several to match your taste.
About The Author: The excellent shark information website provides facts, http://www.sharkinformation.org/shark-pictures/ shark pictures, species profiles and http://www.sharkinformation.org/shark-videos shark videos. Check it out for all your shark information!
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Article Title: Using E-mail Marketing to Build Your Small Company
Author: Frank J. Lucer
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Marketing your small business and products via conventional channels is expensive. The expenses associated with print media advertising and direct postal mail still rise every year, leaving few cost-effective choices for small business owners. This is among the reasons more business owners than ever before are leveraging email marketing to build their small businesses.
In the following paragraphs, we'll give a quick overview for implementing email marketing to promote your company. We'll set aside complex issues, such as A/B (or even multivariate) testing, list gathering or amassing, and target market segmentation. Instead, we'll go through some of the basics, to help you start benefiting from this tactic as quickly as possible. You'll find that this advertising system, if used properly, can give you a unique edge over any larger competitors.
Construct Your List Through The Relationship
Chances are, a large portion of company's customer base likes using the services of your company because of the relationship they share with you. This is accurate whether you're running a diner, pet supply shop, or car repair center. This association can be a useful tool for building your email list. It may be as simple as letting your customers know about your ideas and asking them to register.
If you are running a "brick and mortar" company, have visitors complete cards with their e-mail address (keep these cards on file). If your company is established completely on the internet, make certain your website's visitors know about your list, and how to opt in.
Choose Your Service Provider Intelligently
You can either use a self-hosted email system or a third-party company. Most small business owners may find the latter choice is more suitable because technical problems are handled through the vendor. The problem is getting a vendor upon whom you can depend.
The most crucial factors are versatility, security, and deliverability. You'll want the flexibility to send automated emails and news letters, and also integrate the software in to an online shopping cart; you'll want the peace of mind that comes with knowing the provider's servers are as safe as possible to prevent hacks and other breaches. You'll likewise want to select a vendor that maintains a stellar history of deliverability.
Incentivize Your Opt-In
You are going to benefit from a far greater result by offering customers an incentive for joining your subscriber list. Bear in mind, the kind of incentive you use will influence the quality of the opt-in. For instance, should you offer each person $1 in trade for his or her e-mail address, you'll develop a big subscriber list quickly; unfortunately, you'll also find that the list is stuffed with low-quality leads.
Make an effort to tie the inducement together with your business' products or services. For example, let people know they can get weekly coupon codes that are unavailable elsewhere; integrate a client loyalty program where people collect points that may be redeemed for discounts - again, only via your list. Not only will you develop your subscriber list with higher-quality prospects, but you'll also improve their loyalty to your company.
Incorporate E-mail marketing Into Your Wider Strategy
Avoid thinking about email marketing as an isolated advertising strategy. Rather, consider it a route of communication that may be integrated with additional platforms. For instance, your company may maintain a Facebook profile and Twitter account; recent studies have shown that people who are participating in the social networking websites are active email users; that means they're likely to see and read what you send them.
When you mail out a special coupon, mention it in your Facebook account. When you "tweet", encourage your Twitter followers to sign up for your list for upcoming deals; these platforms allow you to cross-promote via several points of contact.
Allow it to be Personal
Getting your emails into the in-boxes of those who are in your list is merely step one of your ongoing email marketing strategy. Nothing happens until people open up and read your emails. The best approach for improving your open rate is to regularly make your emails engaging to your target audience. Write your emails using a personalized style. Avoid business formalities and instead, write as if you are speaking with someone in person. The more interesting your audience finds your emails, the more likely they will continue reading them. And that is the primary element of a highly effective email marketing campaign.
About The Author: Frank Lucer has composed this informative article on behalf of America's Best Franchises, a fantastic source of information for everyone serious about buying a http://www.americasbestfranchises.com/. Go to their website at http://www.AmericasBestFranchises.com for more excellent ideas.
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Article Title: Effective Tips For a Successful Small Company
Author: Frank J. Lucer
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Starting a small company is frequently as difficult as it is exciting; there will be numerous key decisions to make as well as many possible stumbling blocks on the way; from start-up funding and cash management to hiring your initial staff and establishing a new workplace, the quantity of work can be unbelievable.
In this article, we'll help you get started in the right direction by providing five sensible strategies for beginning a small business; using these recommendations will dramatically improve your chances of being successful while letting you prevent headaches and stress down the road.
#1 - Build Your Savings
Borrowing money is attractive, particularly with the expectation that your new business will enjoy rapid profits. The issue is, a lot of small enterprises operate in the red for a year or longer. If you default on your bank loans, you will affect the capability to be lent later on. Plus, depending on your company's legal composition, your own property may be at risk.
Develop your savings account far in advance and rely on them to begin your enterprise. That way, in case your company fails to make a profit during your first calendar year, you'll feel less pressure to find emergency financing (ie your credit cards).
#2 - Restrict Your Cash Outflow
Since funds is going to be restricted in the beginning, try and limit your costs whenever you can; a large amount of business owners promptly rent office space, buy brand new equipment, and hire employees; in doing so, these people eat through their readily available funds and in the end encounter a cash flow press.
If you can work from home, you should do so. If you're able to manage most of the initial tasks your self, hold out awhile prior to recruiting, or hire a few temporary workers; also, delay purchasing new computer systems and equipment if your current office machines will be enough. Work on a shoestring spending plan until finally your business gains momentum.
#3 - Develop A Business Plan
Your business plan is a map of the forseeable future. This documents your business' break-even level and estimates your profitability (or, lack thereof) in the next several months. It provides an appraisal of your future income situation given various levels of product sales, costs, and accounts receivable; essentially, your business strategy displays the feasibility of the business.
You will need this plan when you approach lenders for a small business bank loan or line or credit; you'll need it when speaking with potential investors that are considering offering equity financing for an ownership position; your business plan may also be crucial to making strategic choices concerning the course of the business.
#4 - Record All Agreements
Although oral agreements are lawfully binding, they are very hard to prove; for that reason, document your contracts. For example, if the time arrives to lease workplace or space for storage, make sure the terms are noted in writing. If you write a purchase order, produce a printed contract. When you are paying out suppliers for shipments, or you agree to supply consulting expertise to a customer, put the conditions in writing; this may seem like lots of unneeded work, but could prove priceless with regard to avoiding problems in the future.
#5 - Select The Business' Legal Structure
Countless business owners launch their own businesses as sole proprietorships, hoping to keep things simple in the beginning. This legal structure is simple to create and manage, and may be effortlessly transformed to a corporation if the need surfaces. That said, spend enough time in advance to find out about the pros and cons of sole proprietorships, partnerships, and various corporate structures (ie C-Corp, S-Corp, or LLC). The type of legal possession you select will affect how cash flows in to, out of, and via your business.
Establishing a new company and making it a success in the short run requires getting several important things correct in the beginning stages. The choices you are making right now may have a significant influence for your overall flexibility later on. Incorporate the suggestions in this article to provide yourself as well as your company the greatest possibility of thriving within your marketplace.
About The Author: This article, written by Frank Lucer, has been made available by http://www.AmericasBestFranchises.com, to help you make the right decisions about your http://www.americasbestfranchises.com/
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Article Title: Debt or Equity? Which is Superior For Your Franchise?
Author: Frank J. Lucer
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The available source of funding is the engine of development for many smaller businesses. With it, you can develop your small business and explore potentially lucrative possibilities. Without it, you could be compelled to build your business at a snail's rate.
The two methods of obtaining the financial resources your business needs: debt and equity. The former signifies funds you'll need to pay back - usually with interest. The second option represents funds you'll receive in exchange for an ownership share of your company; in this short article, we'll explore the advantages and drawbacks of using both options of financing.
Advantages Of Borrowing Capital
Loan financing usually takes a few forms. For instance, you can approach the bank for a short-term bridge loan, line of credit, or long-term commercial loan with terms that extend over several years. It's worth mentioning that when you borrow funds for the company, the unsettled debt is recognized as a liability (from an accounting viewpoint).
The benefits of credit involve tax write-offs, undiluted possession of the small business, and flexibility within your company's credit debt portfolio. First, regarding taxes, the interest you pay back on the amount you borrow is deductible; it is regarded as a business cost. Second, lenders do not receive an ownership position in your company. Third, as already implied, you will find myriad varieties of borrowing, that provides you with lots of versatility to customize the debt portfolio for your desires.
Drawbacks Of Borrowing Funds
Among the drawbacks of credit is the fact that you'll eventually need to pay back the amount you borrowed with interest. That increases the break-even point.
One more drawback is the majority of debt tools have terms that require scheduled repayments; even if your small business is experiencing a cash flow shortfall, you still need to fulfill the conditions to which you agreed.
Also, according to the association you might have with the lender, the quantity you wish to borrow, as well as your company's track record, you might be required to promise collateral; if you go into default on the loan, this collateral could be seized.
Advantages Of Equity Capital
Equity funding is generally provided by investment capital companies, private investors, and family and friends. These people agree to produce funds in exchange for an ownership position in your company.
Many entrepreneurs and small enterprise owners select this form of funding mainly because they cannot borrow capital at a affordable interest rate. Or, they're uncertain regarding their capability to accomplish this. Equity precludes their need to qualify to borrow.
An additional advantage is that you are not required to meet a pre-established payment schedule of principle and interest; instead, investors are compensated through long-term growth, distribution of annual earnings, and capital gains after selling of their respective stakes.
Additionally, in case your small business does not produce a income, you're not legally compelled to pay back your investors; nor could your investors seize the assets.
Drawbacks Of Equity Financing
The two main main disadvantages to utilizing equity financing. First, surrendering an ownership stake to a new party affects your autonomy in making decisions for the company, this could restrict your versatility regarding business strategy and creative control. Moreover, should you cede an ownership position to a number of parties, your flexibility is further restricted.
Second, because equity dilutes the ownership, it dilutes your privileges on the profit your business creates; in relinquishing shares of the company in exchange for capital, you essentially lose that bit of your business.
Blending The two Sources Of Financing
Preferably, you should pursue both kinds of financing. Strive for a balance around an even split (ie 1:1 debt-to-equity ratio) to double equity as debt (ie 1:2 ratio). Too much debt exposes you to short-term marketplace volatility; a downturn in demand from customers could make it tough to service the debt; on another hand, too much equity can significantly dilute your possession and limit your control.
With the above in mind, it's important to note that every business is distinct. Startups usually have much more equity than debt because of a reduced credit history; proven businesses will have a much more balanced debt-to-equity ratio; as your company expands, keep the benefits and drawbacks of the two kinds of financing in mind to develop a well balanced portfolio that accommodates your needs.
About The Author: This informative article, prepared by Frank Lucer, is made available by http://www.AmericasBestFranchises.com, where you can make the most effective choices regarding your http://www.americasbestfranchises.com/
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Article Title: Wanting to Make Money Online: 3 Questions a Beginner Must Consider
Author: Paul Friar
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Lots of people are making good money online, and they only have to work a few hours each week from the comfort of their own home to do so. Just imagine if you were able to join them and do the same, what would you do?
These people can choose exactly when they would like to work, they are able to live anywhere that suits them and have plenty of money to purchase things others can only dream about and perhaps most frustratingly of all, they simply have all the time in the world for relaxing, enjoying themselves and spending time with their friends.
Naturally everyone reading this will instantly want the same thing, it is only human nature to want to improve your lot in life, and in the examples given above we want to experience all this if only for a minute, but in order to have all the above you need access to information that enables you to make the kind of money that all the above requires.
Here are three questions that a beginner must consider the answers to before they try making setting up online to make money.
1. How much of an investment do you need to make to start your online business, and what can you afford to invest?
Well actually, it need not require that much money at all to start your online business; it is all dependent on what you want from it. Basically all you really need is your idea, to purchase your domain name and get hosting for it, and access to the internet to manage it all. You can get all of this for less than $100, but if you want to really spruce up your site this will require extra expenditure to pay for graphic artists and other designers to do the work you do not have the skill to do. But to just get started the cheap option mentioned above is good enough.
2. What hours do you need to put in?
You can pretty much get to decide for yourself when you would like to work. Naturally the more you work at first the greater the eventual payoff, but it is still really up to you. You can manage most of your business automatically, so you really only need to keep checking up on things when it suits you, but a firm hand on the tiller would be advisable at first.
3. Do you need to work from an office?
We all know that you can run your own online business from home, but it will be a good idea to have an office eventually simply for inviting important clients and interviewing people who are beneficial to you in the correct surroundings. Naturally at first until your business has grown substantially you can run everything from the comfort of home.
The most pleasurable aspect of owning your own online business is that you will choose what type of business it is, and you will be your own boss! Firing your boss is just a dream to most people, but it can become a reality with the right help and guidance.
Provided you handle things correctly and learn what you are doing, running your own online business is obtainable to anyone, you simply have to adopt the right attitude and have access to the right information, as mentioned above.
You need a guide to making a fortune!
About The Author: To get free downloads from me, access more information, find out more about me or get access to a free bonus worth $197 visit http://www.yearn2earncash.com/more-info.html To get more information on NEWBIES FORTUNES visit http://www.yearn2earncash.com/products/Newbies_Fortunes/
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Article Title: How to Cope With Anxiety Disorders
Author: Christine Crotts
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Trying to cope with anxiety disorders can be difficult, especially with today's economy adding even more stress to our daily lives. First, there is a significant difference between coping with anxiety disorders and curing them. When you learn how to cope with anxiety disorders, it is only a temporary treatment for anxiety. Facilities that offer mental health services is a great place to start when you are trying to cope with any type of anxiety disorders.
Visiting a mental health services facility does not mean that you have to necessarily see a psychologist. Most all mental health services offer free pamphlets and books that can help you better understand anxiety disorders and also how you can better cope with them. For one to begin the process of coping with anxiety disorders, they first have to understand their body's needs. Our body requires a certain amount of rest, relaxation and enough time to recuperate. Once one fully understands these three things, that in itself is a positive step in coping with anxiety disorders. Some people learn how to cope with anxiety on their own, while others my need the help from a mental health facility to start planning pro-active ways that will stop the anxiety attacks.
As this article mentioned earlier, facilities that offer mental health services can assist with coping with anxiety disorders. They can provide pamphlets that can teach you how to breath correctly and relaxation techniques that will help you overcome anxiety attacks. They can also teach you how to rely on yourself to cope with anxiety. You're confidence level will be higher knowing that you can rely on yourself while you cope with these disorders, instead of relying on medication, smoking and other means. People cope with anxiety in different ways. Some find that relaxing helps ease anxiety, while others find that relaxing makes the anxiety worse. This contradiction can seem confusing, but understanding that for some people, their body often uses stress and tension to defend against unwanted thoughts and feelings. Seeking help from a mental health services facility is another great option for people that find it difficult to talk to people that they are close too. Sometimes it can be very uncomfortable to talk about problems with family or close friends. Often times it is easier to open up to someone that isn't that close, such as a doctor, counselor, therapists or even a priest or pastor. The therapists and counselors that work in mental health services understand the seriousness of anxiety attacks and they are extremely helpful in helping sufferers gain control with learning to cope with anxiety disorders.
Anxiety disorders are a serious problem and learning how to cope with them is extremely important. You will feel like a ton of weights were lifted off of you, once you find ways to release your stress and tension that causes the anxiety. Seeking help from a mental services facility is nothing to be embarrassed about. They are very well educated with treating people that suffer from these disorders and they can help you with coping and preventing further anxiety attacks.
About The Author: Christine Crotts lately discovered that the worst time to find out that you do not have any batteries or candles is during a power outage. Christine Crotts has written a site containing reviews on power outage lights - http://www.powerfailurelight.net
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Article Title: Panic Disorder - Does it Rule Your Life?
Author: Christine Crotts
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Anxiety is a normal reaction that we all have when we are confronted with a stressful situation in our lives, but a panic disorder is a much more serious condition that can strike suddenly without any warning or reason. People with a this disorder will have a panic attack which is a response to fear, however the response is normally out of proportion for the given situation. A person with a disorder will develop a fear overtime that they will have another panic attack. This constant fear of having another attack can eventually affect the daily functions and the overall quality of one's life. If not treated, having a disorder can ultimately rule your life. Normally serious conditions that include alcoholism, drug abuse or depression can greatly increase the probability that a person will develop a panic disorder.
People that suffer from a panic disorder experience a panic attack that can last around 10 minutes and even longer for more severe cases of panic disorders. When a person has a panic disorder and they suffer a panic attack, they often feel an intense and overwhelming feeling of terror, with difficulty breathing. A panic attack can also cause a pounding feeling in the chest and a dizziness feeling accompanied by a feeling that they may faint. Other symptoms can include sweating, nausea, and trembling or uncontrollable shaking. A panic attack can cause hot flashes or chills and a feeling of numbness or tingling. A panic disorder can be very dangerous if the proper treatment isn't sought. Experiencing a panic attack while behind the wheel of an automobile is not only scary, but can be dangerous. During a panic attack, a person my feel that they are losing control and that can be dangerous if that happens while driving.
Having a panic disorder can rule your life and make you very fearful to step outside of your door. One of the worst problems for people that have this disorder is the constant fear of suffering future panic attacks. Having this fear is how a disorder can easily start to rule your life. The fear of future attacks can cause a person to change many things in his or her daily routine, including avoiding certain places, situations and even driving or the willingness to travel because of that fear of having another panic attack.
Doctors to this day are still unsure of the exact cause that leads people to developing a panic disorder. Although the cause is not understood, studies that have been conducted over the years show that a combination of things may play a role in causing the disorder. A history of a panic disorder has been linked to run in families. Another possible cause is abnormalities in the brain and also substance abuse. Stressful times such as a death of a loved one or a major life changing event can also bring on a disorder. If you think that you have a panic disorder, you need to consult your doctor for treatment. Don't let it rule your life.
About The Author: Christine Crotts is working on building her dream home theater. If not sitting back, eating popcorn, and enjoying a movie, Christine works on her site with reviews of popcorn machines - http://www.popcornmachinesforsaleonline.com
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Article Title: A Discussion of Some Psychological Disorders and Symptoms
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There are several different types of psychological disorders that affect millions of people everyday. A disorder can affect anyone and can be brought on by any number of things that can happen in one's life. The type of disorder is normally determined by the root cause and also the symptoms that a person is experiencing along with any family medical history of psychological disorders. In this article you will read about some, but not all of the types of psychological disorders along with the common symptoms.
An anxiety disorder is one type of disorder that is associated with unpleasant and overwhelming mental tension or worries that has no apparent cause. These worries can cause a panic attack in some people that suffer from anxiety disorders. People that have an anxiety disorder have symptoms that can include worrying excessively, concerns about a situation that leads to unrealistic fears and a fear of future panic attacks. People with this type of psychological disorder have trouble sleeping and can suddenly lose or gain weight as their eating habits change. When a panic attack occurs, you can experience shakiness, dizziness and the feeling that you might faint. Also numbness and tingling along with a fast heart rate, sweating and cold clammy hands are symptoms of an anxiety attack.
Probably one of the most common disorders is depression. At some point, everyone feels sad or depressed, but a person that can not come out of their depressed state within a couple of weeks may be suffering from depression. Some symptoms of depression can be a noticeable change in eating habits, loss of pleasure from things that you normally enjoy and a loss of energy. With this type of psychological disorder, one can feel a feeling of hopelessness and worthlessness. Indecisiveness and the inability to concentrate can be symptoms of depression.
Other types of disorders are Childhood Disorders, Bipolar Disorders, Eating Disorders and Post Traumatic Stress Disorder (PTSD). All of these psychological disorders have different symptoms to look for, but some of the symptoms are similar to those associated with depression. There are several other types of disorders, besides the ones that are mentioned in this article. If you experience or know anyone that has experienced any symptoms of a psychological disorder, consulting a doctor is very important. Any change in behavior, eating habits, sleeping patterns, work performance or social patterns can be warning signs that needs to be addressed. The earlier a disorder is detected and treated, the easier it will be to resume a normal lifestyle.
Determining if someone indeed has a psychological disorder can be difficult and it at times can be overlooked. Because depression symptoms are similar to the symptoms of several other psychological disorders, many people think that it is just a phase or feeling that will go away on its own. Interestingly, physicians will sometimes miss diagnose a psychological disorder as either a physical problem or a medical illness because of the symptom similarities. That is why it is very important to consult with your doctor and be completely honest with answering the doctors questions.
About The Author: Christine Crotts has as many pairs of gloves as some people have pairs of shoes. Christine has written a site containing reviews on leather gloves - http://www.pinkleathergloves.net
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Topic: 10 Symptoms of Depression
- "Christine Crotts" <submissions@isnare.net> Apr 19 12:25AM +0800 ^
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Article Title: 10 Symptoms of Depression
Author: Christine Crotts
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Everyone from time to time has experienced a feeling of sadness or felt down in the dumps. Luckily those periods of sadness are often temporary. Depression is more than just feeling "blue", it is a serious condition that not only affects the mind, but it affects the body as well. Depression can change all aspects of a persons everyday routine including work performance, sleeping, eating, relationships and the over all way a person thinks about themselves. A person that has depression can not think happy thoughts to magically make the depression go away, or simply snap-out-of-it. Depression sufferers can stay depressed for weeks, months and even years, if they do not receive treatment. An important part of treating depression, is recognizing the symptoms early. Symptoms do vary and the severity of depression can change with time.
Below you will find 10 of the most common symptoms of depression
•Feeling extremely guilty, constant feelings of sadness and hopelessness.
•Difficulty sleeping that includes loss of sound sleep and extreme insomnia.
•A feeling of emptiness, anxiety and sadness that will not go away.
•Physical symptoms that include headaches, loss of appetite and pain for no reason.
•Constant restlessness, short temper and irritability.
•A lack of energy, constant fatigue, slow metabolism and lower activity levels.
•Noticeable weight loss or weight gain, accompanied by appetite loss or eating binges.
•A sense of indecisiveness and an increasing inability to focus.
•Constantly expecting the worse and overwhelming insecurity.
•Thoughts of suicidal inclinations.
If you have experienced or are experiencing any of the symptoms of depression, you should consult your family doctor. Remember that the symptoms of depression that are listed above are only the 10 most common symptoms. If you notice any change in your behavior, you should consult with your doctor. A doctor will perform a thorough examination so that any physical causes or medical problems can be ruled out as a cause for depression. If the doctor believes that it is necessary, he or she may recommend that you consult with a psychologist or psychiatrist.
Sometimes it is possible to ease the feeling of depression by trying to erase negativity from your thoughts. Sometimes focusing on your breathing will work as a distraction or listening to music. You can also try new activities that occupy your thoughts and absorb time as well as interest you. Group activities and meeting people may also help escape the feelings of depression. If you are feeling depressed, you should try and avoid being around negative people and stressful situations. Instead, you can try to enjoy a movie or gather up the family for an outing such as a hike or picnic. Try to stay positive and try to maintain self confidence without loosing any faith in yourself. If you seek help from your doctor, it is very important to follow all of his or her advice. To help one cope with depression, a doctor my suggest lifestyle changes, anti-depressants or therapy. Depression is a serious matter and that is why it is so important that you consult a doctor if you think that you are experiencing any symptoms of depression.
About The Author: Christine Crotts tries to buck the trend whenever she has the chance. Wearing classy, but different, clothing is just one way she enjoys being different. In her off time, Christine has written a site with reviews of bow ties - http://www.pinkbowtie.net
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Article Title: Characteristics of Manic Depression
Author: Christine Crotts
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Manic depression is also commonly known as bipolar disease. It involves alternating mood swings that range from a high point known as mania, down to a low point known as depression. The reason that it is also known as bipolar disease is due to the mood swings from the high pole to the low pole. At times a person with bipolar disease will experience dramatic switches in their mood very rapidly. It is more common that a person will manic depression will experience these mood swings in a gradual manner. One of the problems that people with this disease have to contend with is that this disease can affect their ability to think clearly, also it can affect their judgment. A more serious affect is when their social behavior is altered by bipolar disease. It can cause embarrassing and serious problems in a social setting. Manic depression is a chronic condition that is reoccurring, but with proper treatment, it can be a manageable disease.
Some characteristics of the more severe episodes that a person with manic depression may encounter are psychotic symptoms. Some of the more common of these symptoms include hallucinations, such as hearing things or seeing things that are actually not there. Another severe characteristic of a person with this disease is delusions. Delusions can cause a person with bipolar disease to believe in certain things that normal logical reasoning would otherwise not believe in. Psychotic symptoms may involve that person believing that someone has special hero like powers, or someone is a president or king from another place. Normally these types of symptoms happen during the high point of their mood swing. Some characteristics of a person that has bipolar disease can also involve a delusion of worthlessness, guilt or believing that someone is in terrible trouble. These symptoms normally occur during the low point in their mood swing. Not all characteristics are severe. In fact, most characteristics can include irritability, trouble sleeping and not being able to sit still. On the depression side of milder characteristics of manic depression can include not wanting to socialize, not wanting to talk and feeling sad and blue.
Manic depression does have some characteristics that are nothing more than a myth. Many people think that a person can not have a normal life with it or that they can not get better. The truth is that many people that have bipolar disease have a successful career and a happy family. Another myth is that manic depression only affects their mood. It can also affect their sleeping habits, ability to concentrate, energy and appetite. While medicine is a popular treatment for manic depression, there are self help things that can be done. Manic depression symptoms can be controlled by regular exercise, plenty of sleep and eating right, just to name a few. Living with bipolar disease can be challenging. With the right treatment, coping skills and an excellent support system, a person with manic depression can lead a normal and happy life.
About The Author: Christine Crotts is not ashamed to say that she is girlie and likes the color pink. Christine has written a site containing reviews on bath towels - http://www.pinkbathtowels.com
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Article Title: Gone But Not Forgotten – Ancient Communications Strategies
Author: Jenny Kettlewell
Word Count: 568
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In today's fast-paced and hi-tech world of the Internet, instant messaging and every other possible form of digital communication, it's easy to forget that, in the grand scheme of things, it was not so long ago that communications strategies were an entirely different kettle of fish (or pile of wood as the case may have been).
In a world obsessed with staying 'connected', it seems that nothing is impossible in the realms of communications strategies. What once seemed like science-fiction is now a part of our everyday life. But imagine if we still had to communicate the old-fashioned way. Can you see yourself firing up the outdoor barbeque to send a message to your mother; or getting out the flags to signal to your best friend that you'll be half an hour late for cocktails? Well spare a thought for our ancestors who didn't have it as easy as us...
Smoke Signals
As a communications strategy, the practice of smoke signalling obviously had some major drawbacks but still, for the time, it was a very successful way of sending messages over long distances. The earliest recorded practices of smoke signalling were in China, where soldiers stationed at various points along the Great Wall would signal an approaching enemy to their comrades. With this crudest of communications strategies they were nonetheless able to convey messages over distances of hundreds of miles in just a few hours. The North American Indians were perhaps the most famous proponents of smoke signalling, and each tribe had their own complex systems involving the location and angle of the smoke plume. Today, smoke signals are not entirely outmoded and they are still used in the Vatican City to signify the selection of a new Pope.
Morse Code
Although quite different from Samuel Morse's original system, a form of his famous code is still used today as an effective communications strategy between amateur radio operators. Back in 1840 when Morse developed his unique system of translating information telegraphically using rhythm, it revolutionised the way people were able to communicate and effectively opened up a whole new world. Using a sequence of long and short electric 'pulses', which became known as dots and dashes, Morse was able transmit a message from an operator at one end, and have it received via electric current at the other. It was indented on to a special tape and the receiver was able to decipher or 'decode' these indents. Eventually, trained operators were able to decipher the length of the dots or dashes directly by the sound and tape was no longer necessary. Sounds simple now, but as far as communications strategies went in the 19th Century, it was ground-breaking.
Semaphore Flags
The practice of using flags, called semaphores, for a communications strategy began in the 1800s when they were used in the maritime world to convey information over medium length distances at sea. Although there are variations on the theme, basically each letter of the alphabet is represented by the bearer holding two flags (one in each hand) in unique positions. The system is still used in some form today in many industries and, while the instruments may be different (some use paddles, some lighted wands and some bare hands), the concept is the same.
About The Author: Jenny Kettlewell is the Marketing Manager for Multitone Systems, a leading telecommunications strategy company. Multitone has implemented custom, integrated communications strategies (http://www.multitonesystems.co.uk/) for organisations in the public and private sector for over 75 years.
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Article Title: Communications Strategy in the Army
Author: Jenny Kettlewell
Word Count: 558
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Anyone who has ever been a member of the armed forces can vouch for the fact that it is vital to uphold a good communications strategy at all times, and the army is no exception to this rule. As such, those in roles that focus primarily on communications strategies are some of the most valuable recruits. The communications maintenance team in the army is responsible for ensuring that everyone has access to the correct information as and when they need it. They are also accountable for all communications equipment, and for making sure that it is in good working order so that the movements of troops, aircrafts and ships can be tracked at all times.
Electronic Communications Strategies
For centuries, army commanders have relayed orders in one way or another, be it by flag, bugle or walkie-talkie. But today's armies are able to build up clear pictures of enemy forces and their tactics, which allows them to formulate a much more informed and accurate plan for their own troops. There are a number of different electronic systems that help them to create this unrivalled picture of the battleground.
The BOWMAN Communications System
A new tactical system designed to enable the most intricate levels of communications strategy, the BOWMAN system exploits the latest advances in both computer and radio technology, incorporating elements that will service the army for many years to come. The collection of digital radios that comprise the system is designed to transmit large amounts of data digitally, whilst also providing information on the positioning and location of troops. The development of this advanced system will be implemented in the place of existing manual processes that are currently used for commanding on the battlefield, and will greatly improve the efficiency of the army's communications strategies.
The Falcon Secure Trunk Communication System
The Falcon System provides modern and secure communications strategy infrastructures for those formations that have already been deployed, and for non-static operating bases. It delivers the information and technology that allows the army to access networks when on the move. Designed to interact and work alongside the army's existing communication and information systems, the Falcon secure system is also compatible with Nato's systems, ensuring that the army is connected at all times of deployment, be it via telephone or data distribution.
Personal Role Radios
The personal role radios used by the army ensure that each individual soldier has a communications strategy of their own to fall back on. Using a transmitter-receiver, infantry soldiers have the capacity to communicate over short distances, or even through thick building walls. Every member of an eight-strong infantry sector will have a personal role radio, enabling teams to react quickly and effectively to the various rapidly changing situations, and even at times allowing for communication with the enemy.
The battlefield can be an unpredictable place. With so many changing factors, it is imperative that good communications strategies are in place at all times. Electronic systems such as BOWMAN, Falcon and personal role radios enable commanders to keep themselves and the sections they are commanding alert and informed at all times, dramatically increasing the efficiency of those teams that have been deployed.
About The Author: Jenny Kettlewell is the Marketing Manager for Multitone Systems, a leading telecommunications strategy company. Multitone has implemented custom, integrated communications strategies (http://www.multitonesystems.co.uk/) for organisations in the public and private sector for over 75 years.
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Article Title: Three Couples' Communication Problems Solved
Author: Jenny Kettlewell
Word Count: 605
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Communication can be one of the most problematic aspects of any relationship, but this is no new revelation. For centuries, couples have quarrelled and quipped over undelivered (or in fact, unsent) messages, and the lack of communication in their relationships. The question is; could a pager have saved their nuptials? Had pagers been around in the days of these high profile couples of the past, perhaps their relationships might not have met such disastrous ends.
Helen of Troy and Menelaus of Sparta
There's no doubt that Menelaus must have felt pretty pleased with himself when he married Helen. The Greek beauty, renowned for her gentle disposition and stunning looks was reputed by many to be the daughter of Zeus. However, despite her sweet temperament and even sweeter appearance, Helen could not hold the attention of Menelaus, who was known to spend the odd evening cavorting with dancers and servants. Had he known that his wife was to become 'the face that launched a thousand ships,' perhaps he would have devoted a little more attention to her. Or perhaps, had there been pagers in Sparta, Helen could have sent Menelaus a message when she was feeling lonely. Could a pager have stopped Paris from eloping with Helen, negating the need for the Trojan War?
Romeo and Juliet
Everybody knows the tale of Shakespeare's most famous star-crossed lovers, and almost everybody who has read the play will have tried to think of ways in which the fate of the unlucky pair could have been avoided. Indeed, had there been pagers in Shakespeare's time, it is likely that the playwright would have had to come up with a very different ending. If Juliet had only had a pager, she might have been able to send Romeo a message informing him of her intentions. On seeing her lying as if dead, Romeo would then have known that she was in fact still alive and he may not have taken his own life. It seems likely that had Romeo and Juliet had access to pagers or another form of technology, the two young lovers might have had a long and happy life together.
Henry the Eighth and Anne Boleyn
The relationship between Henry the Eighth and Anne Boleyn was always a tumultuous one to say the least, and one can't help but wonder what effect pagers might have had on their brief marriage. The conditions under which the pair wed were somewhat dubious, with the annulment of King Henry's marriage to Catherine of Aragon reportedly not having been entirely complete. Though they got off to a good start, problems began between them when Queen Anne gave birth to Elizabeth, and subsequently appeared unable to bear a son. She suffered several failed pregnancies, throughout which she was forced into confinement and had little contact with her husband. It was during these periods that King Henry was said to have formed an attachment to lady-in-waiting Jane Seymour. Had Anne been equipped with a pager with which she could have summoned the King, perhaps his affections might have held true. As it was, Anne was accused of adultery and sentenced to death, leaving the King free to make a new wife for himself in the shape of Miss Seymour.
These three historical couples are some of the most ill-fated ever to have lived. But had they had a pager in order to communicate with each other more easily, perhaps their attempts at marriage would have ended very differently.
About The Author: Jenny Kettlewell is the Marketing Manager for Multitone Systems, a telecommunications strategy company that has provided pagers (http://www.multitonesystems.co.uk/paging.html) and implemented paging systems for organisations in the public and private sector for many years.
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Article Title: The Rock And Roll Hall Of Fame
Author: John Blackwood
Word Count: 581
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There is a weird and wonderfully shaped building known as the Rock and Roll Hall of Fame Museum. It isn't in New York, San Francisco, Los Angeles or Memphis. The building is sited in the home of rock and roll, which is....Cleveland Ohio. The ultra modern building is part of the city's North Coast harbor, has seven floors and has entertained more than 7 million visitors since opening in 1995, so what 's it all about?
The Rock and Roll Hall of Fame Foundation was created in 1983. At first the foundation had no base; New York City was an obvious choice as was Memphis, but Cleveland was the venue for the first ever Rock and Roll concert, the Moon Dog Coronation Ball (held in 1952) and as a result Cleveland was chosen as the venue for the Hall of Fame's museum.
The building itself is a fascinating piece of modern architecture, a glass tower with a pyramid sprouting from it which was originally planned to be 200ft high. The building is actually 162 ft tall with a base of 150,000 square feet. The design was reduced in height due to the proximity of Burke Lakefront Airport.
Every year a number of artists and others are 'inducted' into the Hall of Fame in a ceremony usually held at the Waldorf Astoria Hotel in New York. Groups and individuals qualify for induction only if they have had a significant influence on the history of rock and roll and it is at least twenty five years since their first record was released. But there are no guarantees.
Almost every year there is some controversy over who has, and who has not been inducted, possibly because there are several categories and the voting and selection process for each category varies. So how do you get into the Rock and Roll Hall of Fame?
The most obvious category is that of performer. Nominations are by committee and a number of candidates are selected. 500 rock experts then vote and nominees with the highest number of votes and more than 50% of the ballot are inducted. For all categories other than performer (non performers, early influences and lifetime achievement) the vote is taken by special committee. It is this lack of transparency in the decision on who to induct that has lead to criticism. While many of the artists appear to accept induction as an honor others are openly scathing. In 2006 the Sex Pistols refused to attend their induction ceremony and called the whole organisation a 'piss stain'
As many of inductees fall into more than one category (many performers for example are also song writers and producers) and since both individuals and groups can be inducted, it is possible to be inducted more than once and in different years, the outstanding example being Eric Clapton who has been inducted three times, once for the Yardbirds (1992), once for Cream (1993) and once for his solo career (2000).
Once inducted, each artist is honoured in the museum with an exhibit which features every song (if a performer) an etched glass signature, a film of their life and career and a display of artefacts.
For 2010 the performer inductees to the Rock and Roll Hall of Fame are Abba, Genesis, Jimmy Cliff, the Hollies and the Stooges.
If you plan in future to rank along side these rock legends, how about some rock guitar lessons and a spot of practice?
About The Author: Owner and operator of http://www.rockguitarlesson.org. Learn Blues Guitar at http://rockguitarlesson.org/rock-lessons/total-blues-guitar/
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Article Title: Change Your Life to the Life That You Like Very Much
Author: Anders Jacobsson
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Inspired By a Self Miracle
"Everyday Miracle", is what you have to like and then you will get stimulated by your own "Self Miracle" at once. I assure you that. If your eyes and your mind are open and positive, then things are happening.
Study Persons - Change Your Life
Find persons, out on café or restaurants, that has achieved even the smallest of self improvement, and study where they go from that point in life. Is it a friend, is it a coworker. Be impartial and just study and sense the construtive energy. At this point I will not explain what a "Self Miracle" actually is, you will know.
"Safe Platform" the Mind power
The ones that has found their Self Miracle has created a "Safe Platform" and from that moment they do not go back. You know for sure what you have achieved. You have no need to talk to anybody about what has happened to you, or put any facts in the front. Everything is apparent. The"Safe Platform" is a part of your life. The "Safe Platform" is bigger and more lasting as your life has its true progress.
Change Your Life and Study Children
The simplest way is to study children, they have to change their lives every single moment. They are learning plenty. They see the force, or better, they see what others do and they like what is happening. I do not at this position say it is about attraction it is more of a need. Self Miracle is a need and is a self improvement, study children's development in body, mind and soul.
Awaiting the Results
The best part now, is to have knowledge of that your "Self Miracle" is already started your mindset to be stabilized. As you change your life you might not know what everything is about. This is so marvelous and wonderful when you are unaware and everything is going your way.
Nothing is Happening – All is Happening
It is not possible to force life and force everything towards your self-control. I often tell people to be in acceptance, and keep on asking for the self improvement. It is important to just ask and not be too precise, in this part of life when you, yes you, are learning from life.
Understand that "everything happens for the very best." Then you and life will find the "Safe Platform" and you can go from there.
Life Encourage You and You Can Change Your Life for Ever
Now you get inspired, enthusiastic and "suddenly" your life is creating itself right in front of you, unbelievable, what you want are happening and it is fast and quick. It is just as you wanted it to be when you change your life.
Tiny Modifications Might Change Your Life
Follow, just follow and if needed, do some small corrections and change your life. Now you may well think that this is not what you crave and you wish that things will not take place as fast as it does.
But it is okay, to think like that. There is a reason for you, now to appreciate your life as it move along. Life has now its speed and it is like have everything you need, no one else is as beautiful as you right now.
A Perfect Living
Three answers for you to find, as you study your everyday challenge in the way your are thinking comparing with "everyday persons."
1. Why did this Self Miracle become theirs to magnetize? (Discuss their needs)
2. Where did they start? How could they get into the flow? (Their actions)
3. Why were these persons "not forced" into his or hers "Self Miracle?" (Discuss mind power)
Finding the answers are, again, to be a part and be positive. Find the emotion inside yourself that you can compare with and it can be a sense of happiness.
Tip: "Think of flash in life when you were content and thrilled with yourself." Everyone has such moments. Let that positive feeling and memory lift you up.
Anders Jacobsson
Self Improvement Millionaire
About The Author: "Self-Miracle" Anders Jacobsson works as Business Manager and software developer Anders experiences have managed more than 230 corp. in Scandinavia Anders is also Rev. at BPI, Berkeley Psychic Institute Foundation for Spiritual Freedom, Berkley has also widened Anders knowledge in Self Improvement.
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Article Title: What's Hot in the West End? A Guide to the Top London
Author: Chris Tomkins
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When visiting London, the first question you need to ask yourself if whether you want to see a musical, comedy or play and the second question which you must ask yourself is which show to attend! Anything that you could wish to see is always playing in London's West End. Just be sure to book your tickets ahead so you don't miss the shows.
Even if you have seen a production of a Musical in another country, London's West End can offer you another view of the same show. Many times the productions are varied enough that the show which you saw before is barely recognizable. If a new actress or singer is in the lead role of a production, the entire experience is altered into a fantastical one which will leave you delighted time after time. So be sure to check out what is available in London's West End and book ahead. You don't want to miss out on the show of the season.
So what's hot in the West End right now? Here is our Guide to the Top London Theatre Shows. There are several Plays, Comedies and Musicals which you can enjoy while visiting London. Here are some of the amazing shows which you might want to catch this season:
Adrian Grant's "Thriller Live" which pays homage to the late Michael Jackson. It is a live production that will make you remember the best of the "King of Pop's" greatest hits. The music is perfection and the choreography is just what is needed to make this event the show of the year. Do not miss out.
Maurine Dallas Watkins's "Chicago" staring Ruthie Henshall, Terra C MacLeod, Ian Kelsey, David Ganley and Jasna Ivir. It is one of the hits of the season which will leave you wanting more. The choreography by Ann Reinking is stunning. The cast is flawless and the costumes will take your breath away. It is one of the best productions of "Chicago" yet to date.
When it comes to Comedy you simply must catch Jason Moore's "Avenue Q". It is a fun and lively comedic show which everyone has loved from the start. "Avenue Q" is hip and young and the perfect thing to catch while visiting London's West End.
If you wish to catch a play while visiting the hippest part of London's best, then be sure to see Stephen Daldry's "An Inspector Calls". It is running at the Wyndham. This production reminds one of the days when a play had a special pleasure to it. This will make an evening in London's West End the perfect night event.
Also playing is William Shakespeare's "Twelfth Night". While you might have seen it elsewhere, if you've never seen it in London's West End then you haven't seen "Twelfth Night" at all. You simply must see this wonderful production of staring Richard Wilson, James Fleet, Richard McCabe, Nancy Carroll, Alexandra Gilbreath, Jo Stone-Fewings, Sam Alexander and Miltos Yerolemou. It is wonderful and a Classic to be enjoyed. It is playing currently at Duke of York's. London and Duke of York's is a perfect night out for you and that someone special.
At ticket vendors online there are often special offers to be had. Be sure to ask about the reduced prices for many productions. Also remember that booking ahead can often save you not only time, but money as well. Enjoy the night in London's West End this season for the shows that will make your Thespian Heart soar!
About The Author: For more information and to book West End Theatre tickets visit: http://www.lsbo.co.uk/v2/Default.htm
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Article Title: Underwear as Outerwear; The New Trend
Author: Chris Tomkins
Word Count: 686
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Underwear worn as regular clothes first became popular in the mid 1980's, though it was widely scorned as a style and only the most liberal of women would wear clothing in this genre. The 1980's actually was the root of many diverse fashion styles, many of which are becoming popular once again in the current day. It is only just that one of the most controversial of clothing styles during that time is now one of the sexiest and most cutting edge style that is out there today. Mainly in the form of lingerie, underwear has gone from taboo to must-do, simply because of the seduction and mystery that it adds to a woman wearing it.
During late 2009, underwear made its sudden present day debut in several fashion shows both on the runway and at the after party as the newest trend among the fashion worthy. This particular fashion style because one of the omnipresent fashion trends that can be worn during any season of the calendar. A style that reintroduces tights, stockings as well as the famed ripped panty-hoes made paramount during the 1980's. The trend includes many underwear accessories from all generations of female fashion including the Victorian era, featuring the corset, all the way to the days of Flash Dance, high heels and ripped shirts. The trend is certainly one of the modern staples of our time showing the fashion community that there is no way to kill the controversy from days past and the sexiest styles from the 80's will not be so easily snuffed.
There is so much in fashion that has never been fully explained. Hand-bags so large you can fit just about anything into them, stiletto heels, fish net stalking; the list goes on and on with sexy, but seemingly obscure and random styles of fashion that leave critics all around the world guessing what will come next. But, one thing is certain, once a fashion appears and is prominent; there is no way to squash that fashion forever. In fact, it is more than likely that fashion will reemerge in years to come.
This re-emergence of trends happened with the era of underwear worn as outerwear. This is the fashion that has all onlookers guessing what is going to be next. The underwear trend uses lady's undergarments as the sexy tops for more fashionable styles and outfits. The major usages of female undergarments are; bras as tops, lacey lingerie as tops, corsets as tops, and stockings or tights as bottoms. Each one of these garments was, at one point in the history of fashion, at the top of the world of style. The trends all come back for a reunion to form one of the sexiest and most alluring fashion statements that there is. With wearing one of these different fashions, women are sure to stand out in anyone's eyes as the prize jewel of the fashion world.
Lingerie as an outfit has become more and more prominent as the fashion world has progressed. This is because the lace of a lingerie outfit can drive any man wild with desire, or even just turn the heads on the street as a woman in a flowing silk top strides past with confidence. These outfits are not solely used for the seduction of a man anymore, however. Now they are used as key stone pieces of one of the sexiest and most gorgeous outfits that any woman could be seen wearing.
Other styles in the underwear category, such as the bra on the outside, has turned heads for many months and is sure to do so for many more to come. This type of style shows the world that a woman doesn't care who sees the brassier, that it is something for the world to be in awe at.
The style of underwear worn as outerwear is just at the baby stage of its development. There are so many other innovations that can still be made to make this style one of the most desirable ones out there
About The Author: Follow the link for lingerie inspiration for wearing underwear as outerwear : http://www.becheeky.com/acatalog/Lingerie_at_BeCheeky.html
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Article Title: Buy Sexy Clubwear and Look Great on the Cheap
Author: Tiffany Cohen
Word Count: 537
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Selection of appropriate and cheap clubwear is very important. The need greatly increases specifically during holidays when people are in a position to show off their outfits and looks to their friends and others in parties. Mostly they are not very particular about selection of clothes to be worn on general occasions - any top and jeans would suffice. But if you wish to have an impact on others, it is essential that smart and appealing clothing is worn. Appropriate clothing for the club should be able to highlight your personality and be exclusive to you and your style.
You should stand out in the crowd and be noticed yet not break the bank to do so. You can choose cheap club appropriate clothing but that does not mean it should look cheap, it should be attractive, appealing and easy to show off. It is not necessary to always go for expensive clubwear if you know how to shop frugally. Buying cheap clubwear will not only make you look great, you will feel great for saving so much money. After all, there is no rule that says that looking great has to be super expensive.
Getting the right outfit for the right price will pull your whole look together. It is important that you find clothes that you not only look great in but feel comfortable and sexy in as well. This means weather you are a size 2 or a size 12, there are cheap club clothes out there for you! Some feel most comfortable in a more conservative dress, while others feel their best when in a backless shirt and mini skirt. Whichever style you like, you will always find what you need when you shop online for cheap clubwear. What is most important is to ensure that you feel great in your outfit and it is comfortable. You don't have to break the bank to look great.
Large numbers of stores are available having vast varieties of clubwear for all types of tastes. These can be purchased online without any hesitation. You have the choice of making payment through credit cards or PayPal. It is unreasonable to a spend huge amount on expensive clubwear when cheap clubwear is readily available via tons of online shopping sites.
Getting clubwear online doesn't have to be time consuming. You can visit any number of online retailers and find exactly what you need no matter your size or build. That way the clothing can be procured as per your choice and requirement. Most companies ensure that your privacy is fully maintained. Not only do you have the benefit of shopping from the comfort of your own home, but the clothing is delivered directly to your PO Box or doorstep.
So if you like to save money don't waste any more of your precious time shopping at the malls and department store. The malls and department stores are going to very overpriced and pushing nothing but name brand and expensive clothing. Instead, do your shopping only as you can always find clubwear online and find exactly what you need in exactly the right size for exactly the right price, CHEAP.
About The Author: Visit my blog at http://www.hotclubweardeals.com to learn how to buy cheap clubwear and still look great!
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Article Title: Cheap Stilettos - Look Fabulous Without Hurting Your Wallet
Author: Tiffany Cohen
Word Count: 502
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Buying cheap stilettos can be a very challenging task for even the most frugal shopper. When purchasing an outfit, one might spend a large amount of money and time to find expensive and attractive dresses that make them look pretty and attractive. But dresses alone do not enhance the beauty and create the full outfit. Selection of suitable footwear is also important and helps to complete the entire look. It would not be advisable to dress up in a beautiful dress but choose hurriedly selected shoes to wear with it, as the lack of time will show through and ruin the overall look of the outfit. Cheap stilettos, over the years have become more common. They are no longer the most expensive shoes to get your hands on. The shoes will not cost a million bucks but they will look like it! If one looks hard, it is not very difficult to find the perfect pair of cheap stilettos that look fabulous.
You should not get carried away by just any pair of attractive shoes. It is very important that they match your dress and make you look more beautiful. You should be comfortable wearing them. It will not only be uncomfortable to walk wearing high heels, they would affect your gait too. Unsuitable high heel shoes will make you feel awkward while walking. Cheap stilettos are the best shoes in which you will feel most comfortable. Footwear should be of the correct size. It is incorrect to believe that smaller sized shoes make you look more beautiful. In fact it would be very irritating to walk wearing these. It would be proper to purchase shoes of correct size, like cheap stilettos, in which you feel very relaxed.
New shoes must be worn occasionally and not kept safely just because they are expensive and may get damaged. This will ensure that your feet do not get blisters when worn on a special occasion. This is applicable both for branded shoes or stilettos. It will make you feel more satisfied than ever before if you are in possession of cheap stilettos. Do not get carried away with the opinion of some ladies who feel that wearing shoes smaller than their correct size make them look more attractive. Always ensure that shoes of correct size in which you feel relaxed and pleased are purchased. It is worth spending so much of time and money to procure cheap stilettos that will give you adequate satisfaction.
Those who wish to look special may go in for branded shoes but these will be very expensive. Cheap stilettos not only look exclusive, they are reasonably priced too. They will complement your beauty and will give you a lot of confidence without the heady burden of putting your finances in shambles. If you still wish to have footwear that no one else has then a designer label is what you can opt for, but be ready to pay a hefty price for it.
About The Author: Visit my blog http://www.stilettopumps.info to learn how to get Cheap Stilettos for much less than you would normally pay!
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Article Title: How to Improve the Traffic For Your Website
Author: Jacques Hoffmann
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The Football World Cup will kick off in Johannesburg (or Jo'Burg as the locals call it) on June 11th 2010.
The host nation will play Mexico in what promises to be a fantastic match. South Africa with its rainbow nation is ready to show the world its beautiful country and what it has to offer. This is an event that should not be missed, even if you are not a football fan.
As part of a new policy, Africa was chosen as the host for the 2010 World Cup. Five African nations placed bids to host the 2010 World Cup:
Egypt, Libya / Tunisia (Co-hosting), Morocco, South Africa
Tunisia withdrew from the bidding process when a decision was made by FIFA Executive Committee not to allow co-hosted tournaments.
FIFA president Sepp Blatter announced the winning bid on 15 May 2004 in Zurich after one round of voting. South Africa was awarded the rights to host the tournament, defeating Morocco and Egypt
"FIFA'' definitely has trust and confidence in South Africa. We saw that the 2009 FIFA Confederations Cup was well organized, so now it is time for the whole world to put its trust in South Africa's ability to host the 2010 FIFA World Cup. Security is a matter for the government, and we have received adequate guarantees in this regard, so there is no reason to have any doubts. The FIFA World Cup is about enjoyment, and I am convinced that we will have a wonderful festival in South Africa," said FIFA President Joseph S. Blatter.
Prize Money and Club Payments
The total prize money on offer for the tournament was confirmed by FIFA as $420 million, a 60 percent increase on the 2006 tournament. Before the tournament, each participating team would receive $1 million, for preparation costs. Once at the tournament, teams exiting at the group stage would receive $8 million.
Thereafter, the prize money would be distributed as follows:
$9 million - Round of 16, $18 million - Quarter Finals, $20 million - Semi Finals, $24 million - Runners up, $30 million - Winners
In a first for the World Cup, there would also be payments made by FIFA to the domestic clubs of the players representing their national teams at the tournament. This would see a total of €26 million being paid to domestic clubs, amounting to just over €1,000 per player per day.
In a first for the World Cup, there would also be payments made by FIFA to the domestic clubs of the players representing their national teams at the tournament. This would see a total of €26 million being paid to domestic clubs, amounting to just over €1,000 per player per day.
The official Mascot of the South African 2010 World Cup
Born 16 June 1994 (age 15) - Zakumi the anthropomorphasized leopard with green hair. His name comes from "ZA", the international abbreviation for South Africa and ''Kumi'' a word that means 10 in various African languages.
The mascot's colors reflect those of the host nation's playing strip – yellow and green. Zakumi's birth date is on the same day as a day known and celebrated as Youth Day in South Africa and their second group matches. The year 1994 marks the first non-racial nationwide elections in South Africa.
The Zakumi's official motto is: "Zakumi's game is Fair Play." The motto was seen in the digital advertisement boards during the 2009 FIFA Confederations Cup, and it will also appear at the 2010 FIFA World Cup.
Match ball (Adidas)
The match ball for the 2010 FIFA World Cup will be named the "Jabulani", made by Adidas, which means "bringing joy to everyone" in isiZulu
Venues
Johannesburg (Soccer City) - Durban (Moses Mabhida Stadium) – Pretoria (Loftus Versfeld Stadium) – Cape Town (Cape Town Stadium) – Johannesburg (Ellis Park Stadium) – Port Elizabeth (Nelson Mandela Bay Stadium) – Bloemfontein (Free State Stadium) – Polokwane (Peter Mokaba Stadium) – Nelspruit (Mbombela Stadium) – Rustenburg (Royal Bafakeng Stadium) –
About The Author: If you would like to change your lifestyle at your own pace. Get to it and follow simple but effective steps. Find out how http://2010footballfans.blogspot.com/
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