Wednesday, September 28, 2011

7 Jobs That Provide A Company Car

Being provided with a company car is a great 'perk' of employment, and depending on which position an individual holds, can be utilized either on a part-time or full-time basis. Some of the jobs that offer a company car include the following:

1. Many upper-management, specifically, executive management positions, include the use of a company car, particularly those directly working for an automotive manufacturer or closely related to the industry. In these instances, it's the perfect way to increase their advertising as more of their cars are seen on the road. Another reason that is that, just as in some communities 'keeping up with the Jones' is a means of determining resident status in the neighborhood, members of the upper-Escalon of corporations are provided with company vehicles because they also need to 'keep up appearances'. A newer or luxury car represents success and in business, that's very important, especially in regard to their competitors.

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2. Jobs that require an employee to travel frequently often times provide the use of a company car. Corporations realize that it's not entirely fair to expect an employee who has to travel on regular basis, such as in the case of a sales or marketing position, to have to utilize their own vehicle. The company acknowledges the fact that these types of employees are required to travel frequently as part of their job and shouldn't have to bear the expense of maintenance and or fuel costs, in addition to wear on their personal vehicle, so they provide the individual with the use of a 'company' car.

7 Jobs That Provide A Company Car

3. Car dealerships usually provide their salesmen with the use of a company car. Along the same lines of an auto-industry executive, this is an excellent way for the dealership to advertise their vehicles and hopefully attract new customers. Additionally, if a salesperson is driving and is happy with the performance of the particular car they've been given to utilize, they'll have an advantage and the added benefit of first-hand knowledge about the vehicle when it comes time to make a sale.

4. Messengers and the sometimes affectionately referred to 'gophers' in a business environment are usually given use of a company vehicle, though mainly only during work-hours. These employees have to deliver and pick packages and drop off projects at printing, customer and other facilities in addition to any other off-site tasks the company requests of them such as running out for office supplies, food, etc.

5. A personal assistant who works directly for one individual whether in an office or private environment will be given the use of a company car because these types of positions require extensive traveling time on behalf of the employer's personal, as well as business, needs.

6. Federal and other-high ranking officials in the securities field are often times provided with a company vehicle because many of their duties require traveling to other counties, towns and even states.

7. Some miscellaneous service and labor positions such as construction, landscaping, plumbing companies, etc. give their employees the use of a company vehicle because there is usually a need to get a very early start, respond to emergency calls and also in lieu of the need to travel extensively to different locals on a regular basis as part of the business' services.

Keep in mind that if you are applying for a position that requires travel, whether frequent or infrequent, you can always try to negotiate for a company car during the interview process.

7 Jobs That Provide A Company Car

Gray Rollins is a featured writer for PaidToDriveReview.com - If you're looking to get paid to drive [http://www.paidtodrivereview.com/], then this is the site you want to visit. Also, learn how you can save money on gas.

Sunday, September 25, 2011

Authorization Letters - How to Legally Authorize Something

Authorization Letters authorize someone to do tasks for you that normally require your presence to get them done. These tasks are more than picking up dry cleaning. They are used to authorize someone else to make important decisions for you. Take writing these letters very seriously. In order to have many important errands in life accomplished by others, a professional authorization must be written. Examples such as signing for important documents on a professional level or picking up children from day care on a personal level will definitely require these letters. Many establishments will have their own but some may ask that you draft one for them.

Wording

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1. Our example above words this letter professionally ensuring that whoever the reader happens to be will understand that this is strictly business.

Authorization Letters - How to Legally Authorize Something

2. In our letter, after the opening paragraph and list of items, we've remarked that the named person can make decisions for us but we gave a contact number for us in the event unforeseen events arise.

Format

1. Use the Full Block format arrangement for Authorization Letters:

a. to the left margin of the letter header place the return address

b. make two carriage returns

c. directly below the return address, place the date

d. make two carriage returns

e. directly below the date, place the reader's address

f. make three carriage returns

g. if necessary, include a reference line

h. begin your letter

i. begin each paragraph at the left margin

j. place the closing, signature and typed signature at the left margin.

Tone

1. Ensure your tone is professional and straightforward throughout the letter.

Email

1. With time being as critical to everyone as it is, sending an Authorization Letter via email is now becoming increasingly more accepted.

a. Send your letter in the same format as you would for snail mail - this conveys to the reader that you took the time to create a professional correspondence.

b. Depending on the circumstances, send the message from the appropriate email account: personal email account for a personal correspondence, professional email account for professional correspondence.

Printing

1. Before printing, decide on what paper to use. For Authorization Letters, common bond paper will work.

2. Print your letter and envelope on the same printer using the same font and an envelope that matches the stationery.

Signature

1. Make three carriage returns between the closing and your typed signature. Inside this space, sign your name for professional correspondence. For personal correspondence, there is no need for a typed signature. Simply, sign your name.

For samples of Authorization Letters, take a look at...

LetterRep.com.

Authorization Letters - How to Legally Authorize Something

Rob Noyes owns and operates the Internet's premiere Personal and Business Letter-writing site. LetterRep.com. Contact Rob at admin@letterrep.com for answers and solutions to common letter-writing situations.

Wednesday, September 21, 2011

How Long Do I Need to Keep This? - A Guide to Receipts, Statements and Financial Clutter at Home

In most homes, paper causes clutter. And it seems to mysteriously multiply by itself. But just how long do you need to keep all those receipts, bank and credit card statements and other financial papers? Below is a handy reference that you can use for dealing with your home paper trail.

Toss after One Month

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ATM and bank deposit/withdrawal slips

How Long Do I Need to Keep This? - A Guide to Receipts, Statements and Financial Clutter at Home

·keep in a file folder until monthly statement received

·reconcile with your statement to ensure that charges and payments have been properly processed

·if for major purchase with warranty, staple receipt to the
owner's manual and file for the term of the warranty

·if for major purchase without warranty, keep receipt if item replacement cost is higher than the deductible on your homeowner's insurance policy

·if for minor purchase without warranty, shred

Cash purchase receipts

·enter into your chequebook or computer software to ensure that you are accounting for all your purchases

·if for major purchase with warranty, staple to the owner's manual and file for the term of the warranty

·if for major purchase without warranty, keep receipt if item replacement cost is higher than the deductible on your homeowner's insurance policy

·if for minor purchase without warranty, shred

Credit card receipts

·keep in file until monthly statement received

·reconcile with your statement to ensure charges and payments have been properly processed

·if for major purchase with warranty, staple to the owner's manual and file for the term of the warranty

·if for major purchase without warranty, keep receipt if item replacement cost is higher than the deductible on your homeowner's insurance policy

·if for minor purchase without warranty, shred

Toss after One Calendar Year

Bank/Financial Institution monthly statements (unless needed for home business)

Brokerage/Mutual Fund Statements (Monthly/Quarterly)

·reconcile with your annual statement

Credit card monthly statements

Credit reports

·you should request your credit report annually to ensure that all information is accurate and up-to-date, especially with regard to accounts you have closed in the course of the year

·requesting this file annually helps to prevent identity theft, so you can see who has requested the report and for what purpose

Monthly Mortgage Statements

·reconcile with your annual statement

Pay stubs

·shred after reconciling with your W-2 or 1099 (US) or T4 (Canada)

Telephone/Utility bills

Keep for 7-10 Years

Any T4 Forms - including T4E, etc. (Canada)

Annual Mortgage Statements

Supporting documentation (cancelled cheques/receipts/statements) for tax returns including but not limited to:

·donations

·retirement account contributions

·child care receipts

·alimony/child support paid or received

·medical expenses

·mortgage interest

·property tax payments

W-2 or 1099 Forms (US)

Year End statements from Credit cards (if provided)

Year End statements from utility companies (if provided)

Keep Indefinitely

Adoption Records

Auto/Home/Life Insurance policy information

·keep purchase records for as long as policy is in force

Automobile Records (ownership certificate/registration)

·keep for as long as you own your vehicle

·if annual registration required, keep only current registration paper

Birth Certificates

Business Income Tax returns, and supporting documentation, if self-employed

Death Certificate

Divorce Agreement/Child Custody Court Orders

Investment records clearly showing beneficiary information

·purchase records

·sales records

Marriage Certificate

Medical records

·Immunization records to children

Military records

Pension Plan records

Receipts for major home improvements/renovations

Receipts for major purchases that have long life expectancy (refrigerator, stove, freezer, vehicles)

Religious records

School/Education records

Tax Returns

·In the US, the IRS has 3 years to from the date you file your tax return to examine your return for errors and up to 6 years to audit your return if they suspect that you have underreported your gross income by 25% or more. There is no statute of limitations on an audit when deliberate fraud is suspected.

·In Canada, CRA advises you to keep your tax returns, Notices of Assessment, and all supporting documentation for 6 years from the date of filing your personal income tax return.

NOTE~I recommend keeping these indefinitely because they take up little space and can often be a valuable resource if there is any dispute over such things as income tax paid, child support/alimony paid or received and pension plan benefits.

Will and/or Power of Attorney

·should be kept securely in a fire-proof home safe or safety deposit box at your financial institution

Year End Investment account summaries

Now what?

Now that you know what to keep, where are you supposed to put it all?

Set up a simple home filing system to cover the basics, and invest in a couple of sturdy cardboard or plastic filing boxes for the information you should keep log-term or indefinitely.

And a final caution - when you decide that you no longer need to keep certain documents, make sure you shred them and DO NOT put them in the general trash or recycling. Sensitive financial information or personal information should always be DESTROYED to avoid any chance of identity theft that could lead to headaches greater than you can imagine.

How Long Do I Need to Keep This? - A Guide to Receipts, Statements and Financial Clutter at Home

Written by Jill Chongva of Align Your Life Organizing – Lasting Solutions for Real Life© http://www.vadiva.com Email – diva@vadiva.com Telephone (204) 489 0932

Jill Chongva is the owner of Align Your Life Organizing based in Winnipeg, Manitoba. Her 15 years organizing experience, combined with her ability to multitask as the mother of 4 children under the age of 10, gives her a wide variety of skills, tips and tricks to offer her exclusive clientele. “Alignment Coaching” offers clients a non-judgemental and supportive forum for uncovering, and conquering, clutter issues.

© 2003-2005

References– Real Simple’s “Getting Organized” booklet “Organizing from the Inside Out” – Julie Morgenstern

Sunday, September 18, 2011

The Best Places to Visit in Sri Lanka

The tiny tear drop shaped island in the Indian ocean has become the latest hotspot for tourists. After the end of the 30 years civil war, and all the travel advisories lifted, tourists just can't wait to head out to the exotic island of Sri Lanka. The friendly and hospitable people of Sri Lanka, in their turn, with hands folded and 'Ayobowan' on their lips are ready to make your holiday the most memorable you've ever had.

Tourism in Sri Lanka can, broadly, be divided into three categories. The beaches, the cities of cultural, historical and religious importance and last but definitely not the least, the nature reserves. Do not be fooled by the size of the country. The tiny island is rich with places to visit from all these three categories. Join me as I unravel the wonders of Sri Lanka.

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The bustling city of Colombo is the largest in Sri Lanka. It is about an hour's drive from the Bandarnaike international airport. Just like other metropolitan cities, Colombo is a hub of activity. There are many places worth seeing. It being a coastal town, you can enjoy stunning views of the sea along with the throngs that head to Galle Face greens in the evening. If deserted beaches are what you are after, then you can head to other places, which shall figure later in my list. Other than that, you can visit the National museum, the National zoological gardens, and the Independence square which was built to mark Sri Lanka's freedom from the British. You can shop your heart out at Majestic City, Liberty plaza or Odel. It is easy to commute around the city, with buses, radio taxis and auto rickshaws called tuk-tuks locally, readily available.

The Best Places to Visit in Sri Lanka

Sri Lanka isn't just about beaches. If you travel inland there are many treasures to be discovered. If you are a fan of the cooler climate, there aren't many places in Sri Lanka but Nuwara Eliya would definitely be one of them. Nuwara Eliya is a hill station located in the centre of Sri Lanka, just a little to the south. When Sri Lanka was under the rule of the British, this is where most of the British came for an ideal summer getaway. The impact of the colonial era can still be seen in the city, whether it may be in the nickname 'Little England' or in the architecture or in the various activities that you can immerse yourself in while there, such as boating, golf or horse riding.

Another very important aspect of Nuwara Eliya is that it is one of the most important towns as far as tea production is concerned. So be prepared to see endless stretches of tea plantation on both sides while you are approaching Nuwara Eliya. Don't forget to drop in on one of the many tea factories dotted along the way there, such as the Labukele Tea estate. The people there will gladly talk you through the process of making tea from picking the leaf, to processing it, while they show you around their estate. Prepare to be baffled by the variety and flavours of tea you can buy there.

As far as tourist destinations are concerned, Nuwara Eliya has many. For those who are familiar with the Hindu mythological epic of Ramayana, the 'Seetha Kovil' or the Sita temple would be a place of interest. According to legend, king Ravana of Sri Lanka abducted queen Sita from her kingdom in North India and brought her to Sri Lanka. It is believed that it was here, where this temple is located, that he kept her. There is a giant foot mark there as well, believed to be of Lord Hanuman. Even the direst non-believers will experience a strange and outlandish sensation overcome them as they stand there watching the lush green mist-covered hills, wondering what all this place must have been witness to for so many centuries.

Just a little ahead of the Seetha Kovil is the Hakgala Botanical Garden, which is another interesting place to visit. Spread over a large area, it is enough to keep the nature lovers out there occupied for hours.

After Colombo, the city of Kandy (called Maha Nuvara locally) is the most important in Sri Lanka. There is no shortage of things to do and places to visit here. Historically, Kandy is important as it was one of the last kingdoms to remain independent from colonization. On the way from Colombo, it will be the first major town that you encounter while travelling towards the Central Highlands.

The first thing you will notice about Kandy will probably be the huge lake in the centre of the town. Bordering this lake on one side is one of the most important pilgrimage places for Buddhists, the temple of tooth or Sri Dalada Maligawa. It is believed that, along the duration of many centuries, the holy relic of Lord Buddha's tooth after travelling many miles from India, and then within the island itself for the sake of protecting it from the people who wanted to destroy it, found its final resting place in this temple. It was declared a UNESCO world heritage site. You can see the various rituals that are performed in the temple three times a day, roughly around 5.30 and 09.00 in the morning and 06.30 in the evening.

The annual festival of the Esala Perahera, which falls on the full moon around July or August, is in honour of this relic. This whole pageant is a sight to see with the traditional Kandyan dancers, beautifully decorated elephants, fire acts and what not. It is also interesting to note that whenever the tooth relic has been taken out for public exposition, it has almost always rained.

There are many good hotels dotted around the lake on all sides. In close proximity to the temple of tooth is the modern Kandy city centre, and the shopping complex, which is a good example of the beautiful blend of modern and ancient that this wonderful town is.

A suburb of Kandy is the town of Peradeniya. It is home to the illustrious University of Peradeniya and the Royal Botanical Gardens, the largest in the island.

Anuradhapura and Polonnaruwa are two towns which, together with Kandy, complete the so called cultural triangle of Sri Lanka. If you are a history buff, and are interested in the ancient heritage of Sri Lanka, these places are not to be missed. Both of these towns are UNESCO world heritage sites and were once flourishing capitals of ancient kingdoms of Sri Lanka. Anuradhapura was the first ancient capital of Sri Lanka, and the ruins that can be seen here today tell the tale of a rich and stable kingdom which prospered from 4th century BC till the 11th century AD when it was sacked by the South Indian Chola kingdom after which the capital moved to Polonnaruwa. The reign of King Parakramabahu I in Polonnaruwa was considered the golden era of Polonnaruwa.

Both towns have many temples, water tanks and ponds, stupas, statues of Kings and Lord Buddha and ruins of palaces scattered around and are definitely worth visiting to get an idea of the rich historical and archeological significance of these two towns. Not to be missed in Anuradhapura, is the Sri Maha Bodhi tree, which is said to have grown from a sapling brought in 3rd century BC from the sacred Bodhi tree in Gaya, India under which Lord Buddha attained enlightenment. In Polonnaruwa, the Parakrama Samudra is a place worth visiting. It is actually a reservoir which was built in the 4th century AD to keep the town self sufficient but looks as vast as an ocean, hence the name 'Samudra.'

Another definitely not-to-be-missed place in Sri Lanka and also a UNESCO world heritage site is Sigiriya or the Lion Rock. As you approach, you will be stunned at this 5th century palace which sits on top of a 600ft rock and is visible for miles around as it rears its head out in the midst of miles of lush green flat land. It is said to have been built by King Kasyapa, who feared invasion by his half-brother and built this palace for his own protection. You can marvel at the numerous rock shelters or water gardens at the base or as you climb up the 1200 odd steps to the top, gaze at the frescoes mid-way to the top and the mirror wall which once upon a time acted as a mirror for the king but now has become a place for graffiti showing ancient Singhalese script. The lion gate, called so because of the large lion paws at the entrance, leads you to the summit which is a large flat area scattered over which are the ruins of ancient palace, including an ancient throne and a pool. The view from the top is breathtaking. You can even see Anuradhapura and Polonnaruwa in the distance. Often, it is so windy that you feel you'll be blow away. Do not forget to take water along with you as there are no shops on the way. Apply plenty of sun block, and wear full-sleeved clothing and a cap. These precautions are necessary not only to protect you from the blazing sun, but also from occasional wasp attacks.

There is much more to the town of Dambulla than cricket! Yes, there is an international standard cricket stadium here but did you know that this historical town also houses a world heritage site? Dambulla, located near Sigiriya, is also famous for its cave temples. These cave temples are situated around 160m above the town. The five most important caves here are clustered together and can be seen after paying a small fee for the ticket. Many guides are available who will familiarize you with the history of the place and the symbolism of the various statues of Lord Buddha and other gods and goddesses. It is interesting to ponder over the fact that some of these caves date back to the second century B.C. and were used by King Valagamba as shelter during his time in exile.

If we talk about the cultural triangle of Sri Lanka, then Sigiriya and Dambulla form the centre of this triangle. It would be wise to base yourself in Sigiriya and travel and discover Anuradhapura and Polonnaruwa on day trips.

Another place worth visiting in Sri Lanka is Adam's peak, a 2,243m high mountain located near the southern end of the Central highlands. What is the most amazing thing about this mountain is that it teaches us the unity of religions. It is venerated by people of all religions alike. The mountain is also called 'Sri Pada' or 'holy footprint' which refers to the imprint at the summit of the mountain. Buddhists believe that this is the footprint of Lord Buddha, Hindus believe it to be the footprint of Lord Shiva, it is the footprint of St. Thomas for the Christians and for the Muslims it is the footprint of Adam, the first man. The best time to climb the mountain is around December to March when camps and better facilities are provided. Most of the pilgrims start climbing around midnight and reach the summit in time to see the spectacular sunrise. Make sure to take plenty of warm clothes. Pilgrims then descend immediately as once the sun comes out, the heat often gets unbearable.

Sri Lanka is rich in flora and fauna and home to many wildlife sanctuaries and natural reserves, some of which are the Gal Oya National Park where large herds of elephants can be seen, Yala National Park with one of the highest leopard densities in the world, and Ravana Ella wildlife sanctuary which contains the famous Ravana falls and caves, significant to the Hindu epic of Ramayana. All these places have stunning landscapes and are rich in natural wealth. It is hard, therefore, to select one to write about. However, Sinharaja Biosphere reserve is one of the most significant amongst these, not only because it is a UNESCO world heritage site, but also because it is one of the last few rainforests left in the world. Due to the density of the vegetation there are fewer animals to be seen but it is a botanist's dream come true for those who would like to study the plants of rainforests, many of them native to Sri Lanka.

Another place worth mentioning here is the Pinnawela elephant orphanage which can be visited on the way to Kandy. It is home to more than 100 elephants. You can enjoy the sight of the elephants happily marching their way to the bank of the river Ma Oya for their bath, which happens twice a day. You can also feed them milk from a bottle with the assistance of the mahouts or helpers. Do your bit to help out and make a donation of bananas or milk for the elephants! The whole experience of seeing these gentle giants frolic in the river will truly be unforgettable.

The country newly freed from the clutches of ethnic conflict now has many places open for tourists which, earlier, were even out of the reach of the locals. One such place is the northern district of Jaffna, locally called Yaalpaanam. It can be considered an island connected with the mainland of Sri Lanka by a narrow strip of land called the elephant pass. Jaffna has many shallow lagoons and offshore islands. One of the most important islands would be Nagadipa on which is located a holy Viharya or Buddhist shrine. You can soak up the culture and traditions of the Sri Lankan Tamils here in Jaffna. Other places worth seeing are the Jaffna fort, and the Nallur Kandaswamy temple, a Hindu temple located in the outskirts of Jaffna. Prayers are conducted here punctually six times a day, starting from five in the morning and the last prayer being at six in the evening. The best period to visit this temple would be in July/August when the annual festival is held.

It being an island, the sea is never far off in Sri Lanka. And if you love beaches then you will be spoilt for choices here. The best way to go about it would be to land at the present international airport in Sri Lanka, near Katunayke and head for the city of Negombo, after which you can travel south along the coast and discover the many coastal towns and enjoy the beaches. You will be passing through the commercial capital of Colombo, which may not be one of the best places if beaches are what you are after, but further down are the towns of Mount Lavinia, Bentota, Balapitiya, all of which have plenty of budget hotels and many activities to keep you occupied with. Further down is Hikkaduwa where you can see corals in glass-bottom boats, and Galle, not only famous for its beaches but also for an ancient fort. Close to Galle is the Unawatuna beach which is considered one of the best in the world not only because of its wonderfully musical name but because of its sheer unspoiled beauty, coral reefs and opportunities for scuba diving. Further down, the beaches of Mirissa, which is also famous for cinnamon cultivations, and Dondra, the southernmost point of Sri Lanka and home to a towering lighthouse, are hot spots for dolphin and whale watching. The Arungam Bay is famous for hosting many international level surfing competitions.

Trincomalee, a port city located on the eastern coast of Sri Lanka, boasts of the beautiful Nilaveli, Uppuveli and Red rock beaches with pink boulders. During June to September the shores of Trincomalee also becomes a hot spot for whale and dolphin watchers. There are many hotels all over Sri Lanka which are associated with this sport and can provide you with assistance to make your experience unforgettable. Not only is Trincomalee home to Fort Fredrick, the largest Dutch fort in Sri Lanka, it also has many places important for Hindus and Buddhists such as the Koneswaram Hindu Kovil and the Seruwila temple. Definitely not to be missed is the Naval museum and the Hood's tower which was a lookout point for the British navy, hence provides a wonderful 360-degree view of Trincomalee. Trincomalee is important because it is a natural harbor, in fact the fifth largest in the world. Be ready to face a few routine checkpoints as it is located within the regions that were part of the ethnic conflict.

If shopping is what you are after, then you can buy tea, available in many flavours. The local handicrafts are another option. The Batik work produced locally is stunning. Batik is a fabric art which uses wax and dye. You can buy wall hangings, sarees, and other items which are made using this art. The precious stones and jewellery available here are another thing worth considering. In fact, the town of Ratnapura (literally, the city of gems) is well-known for its rubies, saphires and emeralds. You can also take home a variety of good quality spices. There are many spice gardens dotted around the country where you can you learn more about the cultivation and uses of a variety of spices.

One small island but many reasons to visit. So head to this beautiful country on your next vacation.

The Best Places to Visit in Sri Lanka

Bhavana has a master's degree in English and a bachelor's degree in Education and has been freelancing for a couple of years now. A voracious reader, she feels it is almost criminal to be without a good book to read at all times. She has an incurable enthusiasm for everything to do with travelling, cooking, learning new languages and discovering new cultures. She believes in perfection and is always striving to outdo her competition, namely her own self.

Thursday, September 15, 2011

The Prudent Man Rule

Many of us have heard mention of the Prudent Man Rule, but many individuals seem confused about what it means and its applicability. This rule actually had its origin from a 1830 common law ruling in the Commonwealth of Massachusetts. This case involved a controversial expenditure of funds by Harvard University, and the rule came to be the common sense guideline and fiduciary responsibility for trustees of certain types of monies, particularly those invested in trusts, such as in not-for-profit funds. Basically, this guideline called for investing monies as a prudent man would, both in terms of preservation of capital, safety, and cautious growth and protection. Because of this guideline, certain types of investments have long been considered inconsistent with this rule, and thus inappropriate to be used for certain types of situations.

While an individual may determine that for his own personal situation, he could and should take a certain amount of risk, and even speculate if he feels comfortable with it (because after all, it is his own money to risk), trustees of monies such as Foundation money, not for profit organizational funds, public sector monies, etc., should not take that type of risk. This has nothing to do specifically with the underlying company or fund or how well it might perform, but rather the degree of risk.

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Following this reasoning, organizations with monies that should be under the Prudent Man guidelines should avoid certain types of investments, such as speculative stock, naked options, put options, hedge funds (because they are far less regulated that mutual funds), mutual funds specializing in one industry or sector, aggressive funds, speculative funds, commodities, commodity futures or options, etc.

The Prudent Man Rule

We have heard many reports of all the individuals and organizations that were "swindled" by Bernard Madoff. While anyone taken advantage of in an illegal scheme is terrible, if monies invested with non profits or not for profit organizations, Foundations and Trusts, or public funds, were invested with Madoff, it was not only shameful, but a clear cut violation of the philosophy and intent of the Prudent Man Rule. Even if the Madoff funds were not "scams," they would have been considered a form of hedge fund, and certainly less regulated, and far riskier than should be considered prudent.

It is also not prudent to invest more than a specific limited percentage in a particular industry or market sector, or in any particular stock or bond, no matter how highly rated it might be. These types of monies should always be diversified to "spread" and limit risk to the greatest degree possible.

Organizations, etc., should train their Trustees to understand the meaning, ramifications and applicability of the Prudent Man Rule, and how adhering to these rules should be mandated. The Prudent Man philosophy has been around and a governing philosophy and rule for over 180 years, because it makes sense. Now we must demand that is observed!

The Prudent Man Rule

Richard Brody has over 30 years consultative sales, marketing, training, managerial, and operations experience. He has trained sales and marketing people in numerous industries, given hundreds of seminars, appeared as a company spokesperson on over 200 radio and television programs, and regularly blogs on real estate, politics, economics, management, leadership, negotiations, conferences and conventions, etc. Richard has negotiated, arranged and/ or organized hundreds of conferences and conventions. Richard is a Senior Consultant with RGB Consultation Services, an Ecobroker, a Licensed Buyers Agent (LBA) and Licensed Salesperson in NYS, in real estate. Richard Brody has owned businesses, been a Chief Operating Officer, a Chief Executive Officer, and a Director of Development, as well as a consultant. Richard has a Consulting Website ( http://tinyurl.com/rgbcons ); a blog ( http://tinyurl.com/rgbstake ); and can be followed on Twitter.

Sunday, September 11, 2011

Creative Marketing Ideas For Phone Stores

To many customers, shopping for a new cell phone is a necessary evil. While it's easy to get excited about upgrading to a better model phone, customers expect pushy salespeople, confusing data packages, and ever-increasing fees and rate plans. In addition, competition in the booming cell phone market is ferocious, so if you want your store to stand out, it's important to find ways to make it approachable and unique.

  1. Partnerships with TV and radio- Make your store a fun and exciting place for customers to spend time. Work with your local TV channel or radio station to host an event at your store. These events are not only heavily-promoted through commercials, but the organization also brings tents, banners, yard signs, giveaways, etc., to get the attention of passers-by. The longer customers are at your store, the better the chance you have to make a sale.

  2. New phone launch events- When the hot new phone is about to be released, promote it at your store using graphics on your windows. Window clings work best since they're not adhesive and can be removed when finished-show a picture of the phone and list the day of its launch. Have a special offer on the big day, like the first X amount of customers get a free case or a discount. This builds excitement and buzz not only about the product but also about your store. Your goal is to have a packed store all day, so consider holding a drawing for a free phone if it gets customers through your doors.

  3. Used phone recycling/donation- This is more of a convenience than anything, but make sure you have a place for customers to donate or recycle their old phones in your store. Offer customers who donate a special discount off their new phone. Promote this in your store using a vinyl banner, and let customers know where their phone will be going (recycling center, or even repurposed for soldiers on deployment, needy families, etc.).

  4. Mobile marketing- Utilize the power of mobile marketing by ordering car signs for your vehicle as well as those of your employees. Car magnets are affordable and can be removed, but the product that will get the most impact is a car window decal for your vehicle's back window. This can be used to feature a picture of the brands of phones you carry, along with your store name and phone number. It's a great way to reach out to customers who might not pass by your location on a regular basis.

  5. Free accessories- Another great way to stand out from the crowd is to offer free accessories or bundle deals to customers who purchase a new phone or renew their contract. Post vinyl decals in your windows that feature this offer to grab the attention of window shoppers and bring them into your store.

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Creative Marketing Ideas For Phone Stores
Creative Marketing Ideas For Phone Stores

Michael Allen works as a Director of Marketing in Boston, Massachusetts. He has worked with both large companies and small local businesses for over 20 years. His vast experience in the field of marketing positions him as an expert in helping businesses expand by using marketing tactics.

As a seasoned expert in Marketing and Branding, Michael has a wealth of knowledge in the use of retail signs and car signs. In his articles, he covers tips and techniques for effective use of Car window decals, car magnets, and car decals for small businesses.

Thursday, September 8, 2011

How I Wish I Was Rich!

All of us have so many wishes throughout our lives, and we always complain about not getting our wishes. What would you do if your wish actually came true?

One day, a client came to see me because he was by himself, lonely and sad. All of his family members and friends had died from sickness, accidents, or just old age. When I first saw him, I thought he was the sweetest man, with deep blue eyes and a beautiful gold aura. In order to build a rapport with my clients I always start with a few questions. So, I asked him "Why are you coming to see me?"

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My client sat on the recliner, looked at me and said "I have a wish". I replied "Okay, what is your wish?" My client responded "I wish I was rich!" I asked him "Why is that? Besides, who wouldn't like that?"

How I Wish I Was Rich!

My client (we will call him Mr. Wish) said "To be totally honest with you, I don't really know why. I just wish I was rich, and that is why I am here." With a smile, I asked him "Would you REALLY like to be rich?" Without a second thought, he replied "YES MA'AM!"

I asked Mr. Wish "Why rich? Why not healthy, or why not having a wife and child?" He told me "If I was rich, I could have it all. But, I live month by month and can't afford a new car, let alone support a wife and child. To be honest, I can't even afford to pay you, but I borrow the money so I can get my wish granted. All I need is your tools and your guidance - after that it all depends on me."

Mr. Wish was a very healthy 60 year old man who had never seen a doctor or taken a pill in all of his life. However, he had some old negative patterns that stopped him from getting to where he wanted to be - rich and successful. We started the session working on his self-esteem, sadness, fears and phobias, and years of pent-up anger.

I trained my client to enter his own mind using all of the tools I know for self - hypnosis, so he could learn how to become a happier person. Months passed and I continued to see my client once a week. I didn't forget why Mr. Wish came to see me initially, and that his main issue was to have his wish granted.

Three months later Mr. Wish came to see me with tears of joy in his eyes. His wish had come true! Yes, he was rich! I could hear the disbelief in his laugh when he said "Wow! What am I going to do with all this money now?" He had inherited a great wealth from one of his childhood friends, and this is how his wish came true.

Mr. Wish had dreamed of visiting Thailand, and now he finally could. He traveled for a few weeks, and on November 17, 2005 he called and asked to see me. He was very excited to share some information with me, and said it was very important that he see me today. Since he couldn't drive to see me that day I went over to his house.

Mr. Wish looked so happy and shining, and I assumed it must be the vacation. He smiled at me and spoke to me with a soft voice "I am dying now. I have cancer." I looked at him and said "What? How? When? Why?" He replied "I got my wish granted, but I didn't ask for health because I didn't need it at the time. And now I have a new wish."

As you know there are no secret miracle cures, but I have worked with a few cancer patients that healed themselves through the use of hypnosis to enhance their medical therapies. Thinking he wanted to heal himself, I immediately said "Let's work on it, but first we need a doctor's referral."

Mr. Wish gazed at me and said "Doreen, that is not my wish." I looked at him puzzled, not knowing what his next wish could be. He said "I know it is my time now, Doreen. It is time for me to go home, and it is okay. Thanks to our time together, I have no fears, and in fact, I am so excited to go home. "

I looked at him again and said "What home? This is your home - you are going to buy the most beautiful house, and hire the best doctors and nurses. You are just beginning your life! " He looked at me and softly said "I had a lesson to learn in this life, and it is to just keep wishing and never once complain about it. Because, sooner or later, we get our wishes granted. Wishes really do come true Doreen."

He continued "Now, all I wish is that tonight all the stars will shine on me from the heavens above. And I have a request - when you go home tonight, watch for the first falling star you can see. It will be me smiling at you, so please smile back and understand that my wish did come true again. When the star shines on you, it will be a sign that I am finally joining my loved ones, and I will never be lonely again."

I left with tears, but for some reason I felt so much energy inside me. When I arrived home later that evening, I saw the first star falling down and I felt like it winked at me. When that happened I sang to myself for a while "Let the stars shine on me... " I called Mr. Wish a few minutes later, and the paramedics answered my call. They were at his house already, and after I told them who I was, they said to me "He just died peacefully. May God bless his soul."

This true story illustrates how once you discover the way to enter your own mind you will be able to listen to your inner guide, and match the key that is best for your life. The answers we all seek can be found within ourselves, and only we can solve our hidden mysteries.

© 2006 Doreen Cohanim - All Rights Reserved. http://www.HypnoCruise.com

How I Wish I Was Rich!

Doreen has conducted lectures on Past Life Regression and Energy Healing classes at various places and countries such as Israel, Mexico and Canada.

As a Certified Hypnotherapist and Energy Healer, Doreen draws to her practice a great experience in working with psychologists, family therapists, sexual assault therapists and physicians since 1999.

Doreen is also assisting therapeutic personal growth workshops for Chakra balancing that is called "The Dance Chakra," as well her experience as a Certified Massage Therapist for six years.

Monday, September 5, 2011

Herbal Allies For Pregnant Women

Most women would agree that drugs are to be avoided during pregnancy. Many over the counter remedies, especially antihistamines, acne medicines, and laxatives, have been shown to cause birth defects in animals or humans. Antibiotics may cause fetal abnormalities and sulfur drugs can cause neo-natal jaundice. Tranquilizers and painkillers can cause birth defects and addict the fetus. Antacids can cause muscle problems in the baby and edema in the mother. (In addition, they mess up a woman's calcium metabolism; see discussion following.)

And it is well accepted that the drug-like actions of alcohol, tobacco, and coffee are best avoided both before conception, during pregnancy, and while lactating.

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Few women, however, understand that vitamin/mineral supplements are more drug-like than food-like. Though they are widely recommended, even by orthodox MDs, supplements are problematic for pregnant women and ought to be avoided. A study of 23,000 pregnant women, reported in The New England Journal of Medicine (1995) found 4.8 times more birth defects among the children of women who consumed 10,000 IU or more of vitamin A in supplemental form. And if that isn't enough to make you hesitate before reaching for the pills, consider this: the amount of iron in four prenatal-formula tablets can kill a child under the age of three.

Herbal Allies For Pregnant Women

In addition to drugs and supplements, many common herbal remedies, including golden seal, and flax seed are best avoided during the weeks of gestation. See below for herbs that may be problematic during pregnancy.

Nevertheless, there are many simple, safe home and herbal remedies available to ease the discomforts of pregnancy. The remedies of wise women, or "old wives," have persisted for centuries, passed from woman to woman. They are not strict protocols designed to work with the greatest possible number of women. Rather, they are part of the ever-changing wisdom ways of women, meant to be applied to the unique individual in unique and ever-changing ways. Although they have not been subjected to double blind studies, they are not superstition and dumb custom, but the results of millions of careful observations over thousands of generations. These remedies are the gifts of our foremothers. They are gifts from women who were deeply intuitive, immersed in day-to-day practice, and in tune with women's needs - emotional and spiritual, as well as physical.

Wise women believe that most of the problems of pregnancy can be prevented by attention to nutrition. Morning sickness and mood swings are connected to low blood sugar; backaches and severe labor pains often result from insufficient calcium; and varicose veins, hemorrhoids, constipation, skin discolorations and anemias are also related to lack of specific nutrients.

Excellent nutrition for pregnant women includes not just vital foodstuffs and nourishing herbal infusions, but also pure water and air, abundant light, loving and respectful relationships, beauty and harmony in daily life, and joyous thoughts.

All nutrients are needed in abundance during pregnancy as the gestating woman forms two extra pounds of uterine muscle; the nerves, bones, organs, muscles, glands and skin of the baby; several pounds of amniotic fluid; the placenta; and a great increase in blood volume. In addition, extra kidney and liver cells are created to process the waste of two beings instead of one.

Wild and organically grown foods are the best source of vitamins, minerals and other nutrients needed during pregnancy. All the better if the expectant mother can get out and gather her own herbs: stretching, bending, breathing, moving, touching the earth, taking time to talk with the plants and to open herself to their spiritual world.

Red Raspberry (Rubus ideaus and other species)

For centuries herbalists have relied on the leaves of red raspberry to nourish pregnant women and relieve difficulties during pregnancy and birth. Scientific herbalists are baffled by these claims, as they find no chemical constituents in raspberry leaves that are capable of inducing these purported effects. Nonetheless, "if pregnant women believe that it provides relief from various unpleasant effects associated with their condition, no harm is done," says Varro Tyler in The Honest Herbal.

Most of the benefits associated with regular use of raspberry throughout pregnancy can be traced to its astringent, strengthening, and nourishing powers. Raspberry leaves contain tannins and fragrine, which give tone to the muscles of the pelvic region, including the uterus. They also contain nourishing vitamins and minerals. Of special note are the concentrations of vitamins A, C, E, and B, plus generous amounts of easily assimilated calcium, iron, phosphorous, and potassium salts.

A strong infusion of dried raspberry leaves increases fertility, tonifies the uterus, aids in easy birthing, helps prevent miscarriage, alleviates morning sickness, reduces muscle/leg cramps and backache, and counters fatigue.

To make it:

  • Put one ounce of the dried raspberry leaves in a quart jar; fill it to the top with boiling water, and cap tightly.
  • After steeping for at least four hours, strain the leaves out of the infusion.
  • Drink the liquid hot or cold, with honey, or anyway you like it.
  • Refrigerate left-overs.

Capsules, tinctures, and teas of raspberry are not as effective.

Stinging Nettle (Urtica dioica)

Some people dislike nettle because of its strong sting, but it is an herb with myriad benefits for the expectant mother. A strong infusion (prepared by brewing one ounce of dried nettle leaves in a quart of boiling water for at least four hours) helps prevent varicose veins and hemorrhoids, eases leg cramps and backache, reduces the incidence of hemorrhage after birth, and increases the richness of breast milk.

Every cup of nettle infusion supplies amazing amounts of energy as well as huge amounts of calcium, magnesium and vitamins A, D, C, B, and K. It prevents folic acid anemia and iron deficiency anemia, and is also a digestive aid, a strengthener to the lungs, an ally of the kidneys, and a restorative to the hair and skin.

Capsules, tinctures, and teas of nettle are not as effective.

Red Clover (Trifolium pratense)

As a keeper of dairy animals, I was introduced to this herb as an ally to keep my goats' fertility high and their milk production generous. It took only a little imagination for me to begin to use it for women, too. Red clover blossoms are best taken as a strong infusion (one ounce of dried blossoms brewed overnight in a quart of boiling water). The tincture is a sedative; pills and capsules have very little effect.

To date, I know of dozens of women who, unable to conceive, have found success after drinking up to a quart of red clover infusion every day for at least six weeks. The generous amounts of minerals, proteins, antioxidants, and phytoestrogens in red clover restore health to the entire reproductive system. It's great for men, too. Most notable are the amounts of vitamin E and the presence of selenium and zinc. Red clover has ten times more plant hormones than soy.

Don't stop drinking red clover infusion once you get pregnant though. The infusion prevents and eases the constipation so common during pregnancy. It also strengthens the liver and improves appetite, especially when morning sickness is a problem. And it relieves anxiety.

And keep on drinking red clover once your child is born. There is no more valuable herb to keep breast milk rich and the breasts healthy then red clover. In fact, it is the world's most respected anti-cancer herb, acting not only to eliminate cancer but to stop its occurrence as well.

Seaweeds (including kelp, nori, dulse, kombu, and wakame)

One of the best green allies for women in their fertile years is seaweed, both for its mineral richness, and for the special substances it contains which directly counter birth defects. Algin or alginic acid, found in many seaweeds, absorbs radioactive neucleotides and heavy metals. When eaten by the prospective mother and father, seaweed protects them from cancer and protects the fetus from faulty genes. Seaweeds also protect the fetus and parents from the harmful effects of chemicals and carcinogens.

Seaweed is one of the most nutritious plants known. Earl Mindell, in his book Vitamin Bible notes that kelp contains vitamins A, B, C, and E, as well as choline, carotenes, and 23 minerals including calcium, selenium, iron, magnesium, and zinc. He recommends it especially for nourishing the brain, spinal cord, and nerves of the fetus. Eating seaweeds regularly improves the fertility and the health of the pregnant woman, too, strengthening her digestive system, increasing her overall energy, and helping to prevent constipation, muscle cramps, backaches, anemias, hemorrhoids, and depression. For healthy skin, hair, and bones, there is no better food or herb than seaweed.

Capsules, tablets, and powdered seaweeds are not as effective as eating seaweed as a vegetable several times a week. In addition to buying seaweed at your health food store, you can harvest it yourself. There are no poisonous seaweeds. For more information on harvesting and using seaweeds, consult the Lewallens' Sea Vegetable Gourmet Cookbook.

Dandelion (Taraxacum officinalis)

This common weed of suburban lawns is one of the best liver tonics known. All parts of the dandelion are medicinal: the roots, leaves, and flowers are brewed into tinctures, medicinal vinegars, cordials, wines, and bitter infusions.

If you dig your own, use them to make a mineral-rich vinegar: Fill a jar with cut dandelion, then fill the jar to the top with pasteurized apple cider vinegar. Cover with a piece of plastic wrap held on with a rubber band. Label, with the date; it's ready to use in six weeks. Try it as a salad dressing, or a condiment for beans. Some women like to drink it first thing in the morning: 1-2 tablespoonsful in a glass of water.

Nourishing the liver is critical during pregnancy. Lack of strong liver functioning is implicated in morning sickness, hemorrhoids, constipation, heartburn, indigestion, lack of energy, headaches, and mood swings. If using the tincture, try a dose of 10-20 drops in a small glass of water just before meals.

Fennel Seed (Foeniculum vulgare)
Anise Seed (Pimpinella anisum)
Dill Seed (Anethum graveolens)
Caraway Seed (Carum carvi)
Coriander Seed (Coriandrum sativum)

The aromatic seeds are members of the "carrot family" of plants and are used around the world to ease indigestion, freshen breath, and increase milk supply. As the medicinal value is found in a volatile oil, the seeds are quickly and easily brewed: add a heaping tablespoonful to a mug and fill it with water just off the boil, letting it steep for 2-5 minutes. A spoonful of honey is a delightful addition.

For a somewhat more complicated brew, midwife Elizabeth Davis (in her book Heart and Hands) relates this old wives' remedy to increase milk supply: Boil 1/2 cup pearled barley in three cups water for 25 minutes. Strain and refrigerate. Heat (but do not boil) one cup of barley water and pour it over one teaspoon fennel seeds. Steep no longer than thirty minutes.

And how delightful that the ease imparted by the brew influences the infant through the breastmilk, relieving colic, turning fretfulness into slumber, and countering teething pain. For best results drink your brew, hot or cold, while nursing your baby. Herbalist Juliette de Bairacli Levy advises mothers of infants and young children to always carry some aromatic seeds in their pocket for the children to chew should they be car-sick or become argumentative.

Ginger (Zingiber officinalis)

When it comes to quelling nausea or morning sickness (motion sickness, too) there is no better herb than ginger root. Whether you use it fresh or dried, a little ginger goes a long way toward warming the belly and relieving queasy feelings. Some books mistakenly list ginger as an herb that can cause a miscarriage. This misinformation no doubt got started by a hopeful woman who had noticed that drinking ginger tea made her menses flow more easily. But midwives agree that ginger is safe, even in early pregnancy.

In addition to quelling morning sickness, ginger helps prevent constipation of pregnancy, keeps the pelvic muscles warmed and toned, relieves intestinal cramping and gas (in infants, too), increases digestive force by encouraging the secretion of digestive enzymes, lowers blood pressure, and restores vitality.

Calcium

Of course calcium is a mineral, not an herb, but it is so important during pregnancy that it deserves our attention. Lack of adequate calcium during pregnancy can cause muscle cramps, backache, high blood pressure, intense labor pains, severe afterbirth pains, loss of teeth, and pre-eclampsia. Lack of calcium also contributes to feeble fetal heart action, a difficult birth, and "cranky" babies with easily irritated nervous and digestive systems. For optimum health of mother and child, eat plenty of foods rich in calcium and other minerals.

The calcium found in foods and herbs is metabolized by the body far more effectively than the calcium in pills. Calcium in plants is found in the form of minerals salts, which are naturally chelated. In addition, the varied forms of these salts aids in assimilation. And, of course, no plant contains only one mineral. The multitude of mineral salts found in herbs and foods act synergistically with the calcium salts, improving utilization by all the body's tissues.

In general, to improve calcium assimilation, women are advised to consume it with acidic foods (antacids interfere with calcium absorption), plenty of vitamin D (which can be produced by sitting in the sun for 15-20 minutes), magnesium, and daily exercise. Stress, use of antacids, consumption of coffee, use of steroids, drinking fluoridated water, and too much phosphorous in the diet also interfere with calcium assimilation.

Getting 1500 to 2000 milligrams of nourishing calcium salts every day is not hard with the help of Wise Woman ways.

  • Many wild greens are exceptionally rich in calcium and other mineral salts. The leaves of lamb's quarters, mallow, galinsoga, shepherd's purse, knotweed, bidens, amaranth, or dandelion, when cooked until tender, supply more calcium per half-cup serving than a half-cup of milk.
  • Herbal teas and tinctures contain little or no calcium salts. For mineral richness, make herbal infusions by steeping one ounce of dried herb (such as raspberry, nettle, or red clover) overnight in a quart of boiling water. Or make mineral-rich vinegars by steeping fresh herbs in apple cider vinegar for six weeks. The long steeping of the water infusion releases minerals, the acid of the vinegar does it too. A cup of herbal infusion can have 150-300 milligrams of calcium salts. A tablespoon of medicinal herbal vinegar can contain 75-150 milligrams of calcium salts.
  • Cultivated greens are good sources of calcium, better if they are cooked thoroughly, and best if they are organic. Kale, collards, mustard greens, oriental greens, broccoli de rape, turnip greens, even cabbage supply 100-250 milligrams of calcium salts per half-cup serving.
  • Fresh dairy products are the best place to get mineral salts, especially calcium, but there is controversy about the assimilability of calcium from pasteurized milk. Fortunately, raw milk cheeses are now easily available; look for them as a reliable source of nutrients.
  • When milk is made into yogurt, it becomes superbly digestible and the calcium content increases by fifty percent (up to 450 milligrams of calcium in just one cup). A daily cup of plain yogurt not only prevents pregnancy problems, it also counteracts vaginal and bladder infections. Women who eat yogurt regularly are far less likely to be diagnosed with cancer as well. When buying yogurt, I look for plain yogurt that contains only milk and culture. I absolutely avoid dried milk powder, skim milk powder, pectin, and other thickeners.
  • Other great-tasting sources of calcium include goat milk and goat cheese, canned fish eaten with the bones such as salmon, sardines, and mackerel, and tahini (ground sesame seeds).
  • There are roughly 200 milligrams of calcium in two ounces of nuts (excluding peanuts), one ounce of dried seaweed, two ounces of carob powder, one ounce of cheese, half a cup of cooked greens, half a cup of milk, three eggs, four ounces of fish, or one tablespoon of molasses.
  • Many fruits are rich in calcium (though not as rich as the above foods). Dried dates, figs raisins, prunes, papaya and elderberries are the best.
  • Avoid foods high in oxalic acid such as spinach, swiss chard, beet greens, rhubarb, and brewer's yeast. They interfere with your ability to absorb calcium.
  • Do not use bone meal or oyster shell tablets as sources of supplemental calcium. They have been found to be high in lead, mercury, cadmium and other toxic metals, which can cause birth defects in your child.

HERBS WOMEN MAY WISH TO AVOID DURING PREGNANCY AND WHILE LACTATING

Agave and Yucca (Agave species): contain large quantities of irritating saponins
Aloes (Aloe species): purging cathartic
Birthroot (Trillium species): contains oxytocin
Black cohosh (Cimicifuga racemosa): may irritate the uterus
Blue cohosh (Caulophyllum thalictroides): contains oxytocin
Buckthorn (Rhamnus cathartica, Rhamnus frangula): purging cathartic
Cascara sagrada (Rhamnus purshiana): purging cathartic
Castor oil (Ricinus communis): purging cathartic
Comfrey (Symphytum uplandica): alkaloids in roots are dangerous to the liver; leaves are safe to use
Cotton root bark (Gossypium harbaceum): contains oxytocin
Dong quai (Angelica sinensis): contains coumarins which may irritate uterus and liver
Ephedra (all species): increases blood pressure; may cause heart palpitations, insomnia, headaches
Evening primrose oil (Oenothera biennis): used by midwives to initiate labor
Ginseng (Panax quinquefolium): may cause headaches, irritability, insomnia
Goldenseal (Hydrastis canadensis): contains irritating alkaloids which stress liver and kidneys
Juniper berries (Juniperus communis): very harsh on the kidneys
Licorice (Glycyrrhiza glabra): increases blood pressure; large doses can cause heart failure, headache, lethargy, water retention, and excessive excretion of potassium
Ma-huang (another name for ephedra)
Mistletoe (Viscum album): large doses can have detrimental effects on the heart
Mistletoe, American (Phoradendron flavescens): raises blood pressure, causes uterine contractions
Rue (Ruta graveolens): contains essential oils that can damage the kidneys and liver
Senna (Cassia senna): potent purging cathartic
Thuja (Thuja occidentalis): contains essential oils that can damage the kidneys and liver
Turkey rhubarb (Rheum palmatum): purgative; may cause uterine contractions
Wormwood (Artemisia absinthium): essential oils can adversely affect brain

WOMEN WHO MISCARRY EASILY MAY ALSO WANT TO AVOID THESE HERBS

Autumn crocus (Colchicum autumnale): also known as saffron; large doses can cause miscarriage
Basil (Basilicum species): see mints
Bearberry (Berberis vulgaris): bark contains similar alkaloids to goldenseal; berries and leaves OK
Catnip (Nepeta cataria): see mints
Flax seeds (Linum usitatissimum): large doses may stimulate uterine contractions
Feverfew (Chrysanthemum parthenium): contains essential oils that can damage liver and kidneys
Ground ivy (Hedeoma hederacea): see mints
Mints - such as basil, catnip, rosemary, thyme, savory, peppermint, oregano, ground ivy, sage, and spearmint - contain essential oils that, used internally (or extracted into a tincture) may harm the kidneys and liver; the infusion, taken in large enough quantity, may stimulate uterine contractions
Mugwort/Cronewort (Artemisia vulgaris): used to help bring on labor
Nutmeg (Myristica fragrans): a large dose of this spice contains the essential oils that could adversely affect the brain, liver, and kidneys
Oregano (Oreganum species ): see mints
Osha (Ligusticum porterii): may irritate the uterus
Parsley (Petroselinum crispum): a well-known, and quite effective, abortifacient
Poke root (Phytolacca americana): large dose (more than 4 drops) may stress kidneys
Pennyroyal (Mentha pulegium or Hedeoma pulegiodes): essential oil may harm kidneys and liver; also see mints
Peppermint (Mentha piperita): see mints
Rosemary (Rosmarinus officinalis): see mints
Sage (Salvia officinalis): see mints
Savory (Satureja hortensis): see mints
Southernwood (Artemisia abrotanum): essential oils, similar to those in wormwood, are easily extracted into tinctures and can adversely affect the brain
Spearmint (Mentha spicata): see mints
Tansy (Tanacetum vulgare): essential oils in tincture may damage kidneys and liver
Thyme (Thymus species): see mints

Legal Disclaimer: This content is not intended to replace conventional medical treatment. Any suggestions made and all herbs listed are not intended to diagnose, treat, cure or prevent any disease, condition or symptom. Personal directions and use should be provided by a clinical herbalist or other qualified healthcare practitioner with a specific formula for you. All material contained herein is provided for general information purposes only and should not be considered medical advice or consultation. Contact a reputable healthcare practitioner if you are in need of medical care. Exercise self-empowerment by seeking a second opinion.

For more information about herbs and pregnancy, including herbs to use during birth, to improve lactation, and to help the newborn infant, see: Wise Woman Herbal for the Childbearing Year, by Ash Tree Publishing. To receive a free brochure of classes and correspondence courses available from Susun S Weed, contact her at:

Herbal Allies For Pregnant Women

Susun Weed
PO Box 64
Woodstock, NY 12498
Fax: 1-845-246-8081

Learn how to prevent illness and heal yourself safely and easily the Wise Woman Way. Women's health forum, FREE womens forum, weblog, and email group. Topics include menopause, breast health, childbearing, fertility, disease prevention, nutritional advice, and cancer prevention. Visit the Wise Woman Web

Thursday, September 1, 2011

11 Neat Ways to Donate, Sell Or Give Away Used Books

Books like many items, simply rot away on our shelves and become clutter if we don't use them. Left unused for long periods of time, well, you know what happens to many of them. They collect a ridiculous amount of dust, turn yellow, and start to fall apart! Unused books create stagnant or stuck energy in your home. And they start to smell bad, too!

Is this the life you intended for the book when you bought it? Wouldn't it be great to share what you got out of the book with others? Why are you hanging on to them when they could be having a useful life and continue to be of value to people?

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Okay, so if I can't appeal to your philanthropic nature, let me try the money angle. : ) If you donate your books - and itemize deductions, you can deduct them from your income taxes! Check out It's Deductible software. They allow you anywhere for 2 - 30$ per book depending on the type. You can also donate your Books on CD and Books on Tape!

11 Neat Ways to Donate, Sell Or Give Away Used Books

Where to Give Your Books Away

I did some digging around...and here are 11 neat ideas for sharing the books you love, before they become just clutter in your home.

  1. Your Local Library - Unfortunately, many libraries don't take book donations anymore! But some do so it is worth finding out if there a library near you that will take your books, even if your city or town does not. Note: They will usually take Books on CD and Books on Tape, Videos, DVDs, and Music CDs and Tapes too! What a great way to give your media life...and you can still check them out yourself if you want!
  2. JustGIVE.org - This site provides a great list of places to donate just about anything! Whether you want to donate Books, Furniture, Household Good and Clothing, Computers, Cars, Cell Phones, Pet Supplies, Eyeglasses, your Hair, or even your Organs, you can find a resource here.  
  3. Friends of Libraries, USA - This group is currently accepting donations to rebuild libraries affected by hurricanes and more. You can ship books to them. Address: 1420 Walnut St, Suite 450 Philadelphia, PA 19102-4017 Call: 215-790-1674 or 1-800-9FOLUSA http://www.folusa.org/  
  4. Vietnam Veteran's Association - They have both pick up service and drop off service. There is a limit on the number of books you can donate at one time.(2 bags or 2 boxes in my area). Not all areas have pick up service. They will also allow you to set up a monthly pick up. This is a great way to keep the volume of stuff in your home under control. Simply set up a donation area in your home and fill up the yellow bag they give you every month.
  5. Freecyle.org - Here you can list your ads for free and give your books or anything else away!
  6. BookCrossing.com - The practice of leaving a book in a public place to be picked up and read by others, who then do likewise. You can register your book and track its travels here!  
  7. Housing Works in NYC - 126 Crosby Street, NYC 10012 (212-334-3324) You can drop off or ship books to them. They work to end homelessness and AIDS in NYC. http://www.housingworks.org/usedbookcafe/donate.html  
  8. Craigslist.org - Here you can list your ads for free and give your books or anything else away!
  9. Bridge to Asia's Textbook and Journal Donation Program - Not sure who would want your old textbooks and professional journals? This group seeks college, graduate and professional level teaching and research materials in English. They collect books, journals and other forms of information, both used and new. bridge.org
  10. PaperbackSwap.com - Here you can mail your books in (usually costs .59 per book)and get credits. Then you can use your credits to get books you want.  
  11. BooksThroughBars.org - What better way to rehabilitate someone than through education and reading? This program provides books to prisoners. Before sending books, make sure you check the rules on what types of reading material each prison allows.

Noteable Book Related Charity

FIRSTBOOK.org - They don't take books, but you can donate to help kids in need get their "first books."

So if you really love your books, and don't want them to just become clutter, get them organized and pass them on to a place where they will be loved and useful once again!

11 Neat Ways to Donate, Sell Or Give Away Used Books

Would you like to simplify your life and get more organized? Ariane Benefit is a Life Coach, ADD Coach, organizing expert, author and coach who has been quoted in Psychology Today, the Wall Street Journal, and more. Visit her popular Neat & Simple Living Blog at http://blog.neatandsimple.com Ariane has over 25 years experience helping businesses and individuals get the results they want. Take a peek inside her book, Neat & Simple Guide to Organizing Your Office at http://www.lotusbridge.com