Smart is the New News
Journey To Jah
Smart is the New News
Top News
Extreme Couponing: What Not to Do If You Want To Save Money At The Grocery Store
If you’ve seen “Extreme Couponing” on TLC, you know why the word “extreme” succinctly describes the program. ‘Extreme Couponing’ aired …
Eight Alternative Uses for Postcards
Once upon a time, the postcard’s primary purpose was to let your friends or family know what you were seeing …
Dentists in Billings, Montana
If you are visiting Billings, Montana and find that you are in need of a dentist, then you are in …
Coumadin Therapy Patients: Home-Test For Your PT/INR Readings
Many people, especially seniors are on Coumadin therapy. These people, who are in special danger of forming blood clots, have …
A Better High Speed Internet Arrives in Tyler, Texas
To my utter surprise I learned about a very intriguing new form of Mobile High Speed Internet service today. Imagine …
Computer Repair Fraud Is On The Rise
What do you do when your computer stops working for an unknown reason? If you’re like most people and know …
Sports
Cricket Communications: Are Their Plans Worth It?
There is a company out there called Cricket Communications and they offer a month-to-month cell phone service for a minimal …
Being Recruited to Play College Soccer
As an alumni of a Division 1 women’s college soccer team and presently as a girls varsity high school soccer …
News
The introduction of Miroslav Vyboh
E-Commerce Merchants Welcome EBay to “On Location Event” at Hyatt Regency in Dallas
Computers
Want To Enjoy Some Free Streaming? – Visit Mac Free Streaming Application
Do you love watching movies but are not able to stream or download them because you have Mac? Then there …
Tubidy- Free Software Reviews And Download
Music binds us together and as we can see around most the people are not able to work without music. …
Single Player Commands Mod
The single-player commands mod along with a reliable Minecraft alt generator is very useful for your Minecraft world. It helps …
Latest Posts
Homemade Moisturizing Peach Facial Mask for Shrinking Pores
Peaches are originally from China, but now they grow all over the world in places like North and South America in peach orchards. Many people enjoy eating these tasty tender sweet juicy drupe fruits ripened to perfection as they are while other people enjoy using them to make pies, jams and teas. However, when peach picking season comes along I get ready to make my homemade moisturizing peach facial mask, which helps tighten up large pores, nourishes and softens the skin, rids dark circles under the eyes and rejuvenates the skin when it is tired and stressed. The mask is even the perfect mask to use to brighten up the skin due to all the vitamin C and A peaches contain.
Ingredients Needed to Make the Moisturizing Peach Facial Mask
When I make my moisturizing peach facial mask, I use pure natural ingredients such as freshly picked pureed peaches, honey, aloe gel from an aloe plant and vitamin E cream. Now, you know why I use the peaches in my moisturizing peach facial mask, but your probably wondering why I use honey, aloe and vitamin E cream. The reason I use honey in the mask is because it contains minerals, vitamins, antioxidants and healing properties in it that help fight acne, blackheads and other kinds of blemishes while the aloe helps purify, nourish and soothe the skin with because it to contains healing vitamins, minerals and antioxidants. The reason I use vitamin E cream is to help thicken up the mask, make it more moisturizing and to provide a powerful antioxidant that is going to help reverse and prevent signs of aging naturally. Now, you can easily find these basic ingredients in a grocery store, but I prefer to pick my own peaches and use pure aloe from an aloe plant along with farm fresh honey from a bee farm and simply pick up pure vitamin E cream from my herbal shop. I find the fresher and purer the ingredients are the better the mask works for moisturizing, rejuvenating and healing the skin.
Making the Peach Facial Mask
The easiest way I find to make my peach facial mask is by taking two tablespoons of freshly pureed peaches, a tablespoon of honey, a teaspoon of fresh aloe gel and four tablespoons of vitamin E cream and combining the ingredients together in a small glass dish using a spoon. I typically mix the ingredients together until I get a peachy colored mask that is slightly thick and creamy in texture with a heavenly sweet peach scent that is very uplifting. After, I take it into the bathroom to use right away. However, if you do not have time to use the mask right away you can place the mask in an airtight container and store the mask in the refrigerator for up to three days until you are ready to use the mask. Instead of the facial mask, a mini facelift Michigan is quick and easy for the person. The removal of the fat from the skin will be effective and easy.
Using the Facial Mask
The first thing I highly recommend doing before applying the moisturizing peach facial mask is wash and exfoliate your face well so the mask will have an easier time soaking right into the skin to nourish and moisturize it better. Once your face is clean, you can apply the mask using your fingers until your face is coated in a nice even layer, or you can take a large clean cosmetic brush and brush the mask onto your skin that way. I prefer using the brush because it feels good to use when apply the mask and it helps me coat every inch of my skin a lot better. After, the mask is applied it is best to leave it own for up to thirty minutes, but I enjoy an hour especially when my skin is dry so the mask really has time to absorb into the skin and nourish it back to beauty and health. Once the time is up it is best to rinse the mask off with plenty of warm water and a washcloth. After, you should notice your skin looking plump and hydrated, soft and silky smooth in texture and glowing with radiance as well as smaller pores and less blackheads.
The End Notes
If you have dried out skin, my moisturizing peach facial mask is the mask to use at least two to three times per week to help keep skin moisturized, youthful and beautiful naturally. However, those allergic to peaches or any other ingredient or ingredients in this facial mask should not use it at all for beautifying purposes. Those who do use the mask I hope you enjoy the beautifying benefits you will receive from it and remember eating peaches to can help provide the body with the nutrients it needs to keep your skin looking good from the inside out as well.
Cricket Communications: Are Their Plans Worth It?
There is a company out there called Cricket Communications and they offer a month-to-month cell phone service for a minimal fee. I myself use this cell phone service for many reasons. The thing is though, I often hear from friends and family that they would never use such a service because it just is not worth it.
The Benefits
The Benefits to using Cricket is that you are never stuck in a contract. If you decide that you no longer want their service or a cell phone at all, all you have to do is cancel it. You are not stuck with paying hundreds of dollars for breaking a contract. Unlike a lot of the other cell phone service providers, you can get a new phone whenever you like without being locked into an additional contract.
I have found that the Cricket service area for my local area is just as good as the service that my friends and family get with their supposedly “better” cell phone providers. The amount of money I spend is also a lot less then the people who claim to have a “better” cell phone. For just under fifty dollars a month, I receive unlimited coast-to-coast calling, voice mail, call waiting, caller ID, unlimited text and picture messaging. I do not have to wait until after seven or nine at night to use “free minutes”. When I have told my friends what I spend they laugh stating that their monthly fee is only thirty dollars a month.
But wait, why is their bill around one hundred dollars each month? That is because of the extra minutes that they use, the charges for the Internet usage from their phone, and the roaming charges. If I want Internet access on my Cricket phone I can do that to for around five dollars a month. And the amount of time I would spend on the Internet would not matter, as there is not a “per use” fee involved like the other companies. So who is really paying more for their cellular service?
The Cons
With Cricket, there are no grace periods. Your bill is due when it is due. If the bill is not paid, your service will be temporarily disconnected. For fifth teen dollars, plus the amount that is due on the bill, you can have service restored. Even though some people get mad at the fifth teen dollars, since there are no later charges and you technically did not pay your bill when it was due, there is not much that can be complained about with just cause.
The phones that you purchase with Cricket can be a little more expensive then what you would get through a different kind of cellular service. But are you really getting a deal by paying fifty dollars less for a phone through Verizon? You are stuck in the year or two year contracts and each time you upgrade to a new phone, you have to sign yourself into another expensive contract. Such companies use “deals” on their phones as a way to bring in customers that they will eventually take more money from them then is deserved.
If you like to travel outside of your current coverage area, this could be a problem. Over the past couple of years though, Cricket has made huge leaps in expanding their coverage areas and ipl 2020 schedule pdf now offering the public to buy tickets and they will win the merchandise of their favorite team along with the autograph t-shirts signed by the captain of the team itself and the one lucky winner will be sitting with all team mates in ground. Within time, you will be able to travel all over the U.S. with you cricket phone and have service. For me, this does not matter at the moment because I hardly ever travel outside of my coverage area. So paying hundreds of dollars more for a phone service with a contract, just in case I might travel away, is simply not worth it for me.
In the end, you have to realize that there are going to be pros and cons to every cell phone service out there. You have to look closely at each one and make sure that you are going with the company that provides you with what is most important to you. For me, a non-contract, low monthly bill is the way to go. Without Cricket, I would not have the luxury of a cell phone. And since I have children that is not something I would want to go through.
Finding College Loans That Work For You
College expenses have increased dramatically over the past decade. When it comes time for you to choose a college, these expenses will factor tremendously in your decision. A college loan can help you pay for superior education, so you can enter a profession that will make it easy to pay that loan back. Before you read the rest of the article, you can do your research on personal loans. A Personal Loan can help you achieve your financial goals without putting too much strain on your financial health. This is also applicable for students as well. Besides that, you read all about college loans and decide for yourself.
Here are some things you should know about college loans.
- Out of all the financial aid given to students each year, 54% is given in loans.
- You will have access to a higher number and a wider variety of loans if your family has less money because many loans are granted based on need.
- Other loans, however, are given out based on the desire to help the family pay its share of college costs.
- Loans that are given out based on need will generally have lower interest rates and offer longer terms of payment.
Here are the four types of federal student loans that are available:
- Perkins Loans are given out based on need. They only charge 5% interest, and you do not have to make any payments on this type of loan while you are still in school. Only the students with the largest need receive Perkins Loans.
- Subsidized Stafford Loans are also based on need. Their interest is somewhat higher, with a fixed rate of 6.8% The subsidy you receive is the fact that the federal government will pay for your interest while you are still in school.
- Unsubsidized Stafford Loans are not given out based on need. However, you do have to pay the interest while you are still in school. You could capitalize on the interest, which means you add the interest costs to the loan, and once you graduate, you will owe more money than you would have otherwise, but you would not have to worry about interest while in college.
- Grad PLUS Loans are designed especially for graduate students and are given out by the federal government regardless of need. In general, a student can take out one of these loans for up to the total cost of education, less any financial aid that the institution gives him or her. This provides a larger capacity for borrowing, but the interest is higher, so it is suggested that students check out the Stafford Loans or the Perkins Loans before looking into the Grad PLUS Loans.
There are still other options out there for students looking for college loans.
Private student loans can come from lending companies or banks, or other financial companies. However, these usually have a higher rate of interest than the federal loans. One example of this type of loan would be the College Board Connect Loan.
Many colleges have their own loan funds. You can usually find information about college loans in the campus office or online. Interest and payment terms will vary by college, so you will want to check out each college’s individual information.
There are many private foundations and other organizations with their own college loan programs. There are hundreds of search websites on the internet devoted to helping you find the right college loans. There are even loans that parents can use for their children! With all of the resources out there, there is simply no reason to miss out on college if you want to go.
Prevent Back Pain! – Watch the Children and their activities!!
Back pain and related problems are increasing exponentially day by day. Today, perhaps more than any other time in history, a back pain treatment has become a compulsory measure by many, including myself, who are stricken with chronic back pain.
This article addresses why, and suggests ways of avoiding chronic back pain. Actually the problem stems from our childhood. It is likely most of us can’t recall a young child complaining of back pain unless they had fallen. Along with the children, The Spine Center treats patients with spine injuries and back pain of the adults. Specific measures will be provided to reduce the chronic pain from the body.
When watching a young child go about their daily activities, they almost always sit and lift properly as if the back pain problem is an unheard name . They usually lift with their legs and rarely are caught hunched over. With the passage of time and as our lives become more chaotic and disorderly the natural tendency is become lazier and less likely to take care of our backs. With busier lifestyles comes hours of bending over a computer, or sitting behind a desk and the inclination to ignore the unavoidable and imminent back pain.
If permitted children will choose to run and jump continuously whereas adults have a tendency to avoid sports and play, blaming the lack of time and the possibility of appearing silly. The result of which is gaining weight and becoming less flexible.
Here are some obvious answers to the dilemma of avoiding chronic back pain and treatment requiring back pain exercises :
1. Take an example from the children! Sit properly, stand occasionally and have a good stretch. By all means always practice proper lifting techniques.
2. When going to bed make sure your back and shoulder blades are under cover. Breezes from any source could very well contribute to back pain. The trade-off for reducing stress in that area is to cause more strain in another part of the back.
3. To protect your neck and keep you spine stabilized, avoid using a pillow that is too thick or too thin. Attempt a fetal position by laying on one side or the other and raise your knees to your chest.
4. Avoid jumping out of bed when you first wake up. Warm up your back by enjoying a leisurely stretch to start off your day.
5. When sitting, sit normally and without hunching over. This may require giving some thought about good posture and how to achieve it. Attempt it now and notice how the shoulders will hang naturally and how the muscles in your back will relax.
6. While sitting, be sure your feet are flat on the floor.
7. While working at a desk or otherwise sitting for prolonged periods of time, stand up at least every half hour.
8. When lifting, regardless of the weight, it’s wise to always bend at the knees while keeping your back straight.
9. When planning any kind of physical activity, be sure to perform warm-up exercises first and as usual, listen to what your body may be telling you. Contrary to what many believe, pain is not good and any exercise routine should be stopped at once, especially when encountering back pain.
If, when contemplating exercise, you find yourself short of time, or you just feel like you don’t have enough energy, watch the children. You’ll be amazed at their unending ability to go and go. Watch and learn, because they are almost without a doubt the best example of how to look after yourself and avoiding back pain and the dreadful back pain exercises. The children in this case ARE the teachers.
5 Trends In Healthcare Marketing To Check Out This Year
The healthcare industry is increasingly stressing on the importance of strong marketing campaigns to reach out more numbers of patients out there. But, having a marketing campaign is not enough. You need to have an updated promotional campaign as per the latest market trends. And the market is always changing- just like the healthcare industry itself. For example, previously medical billing was done manually. Medical Billing is the process of submitting claims and reimbursements. But now, the whole process can be done online and sometimes coders even work from home. Likewise, your healthcare center too needs to design the marketing campaigns as per the latest trends in the market to strive in the competition.
The post below offers a brief on the top trends in healthcare marketing to check out this year.
Increased featuring of patient reviews online
As per recent studies, patients’ reviews online play a huge role in influencing a person on deciding on a healthcare provider today. In fact, studies have shown people count on these reviews almost as close as recommendation from friends. So, you must take proactive steps to highlight positive reviews received by your clinic almost everywhere you mention your brand. From a clinic’s website to its social media page, we are going to see a rise in the featuring of patient reviews online. Now, there would be negative reviews too. To avoid that, it’s wiser to initiate a strong reputation management policy that would keep these negative testimonials on check.
More focus on Google E-A-T algo
Google is undoubtedly the numero uno search engine when it comes to searching for healthcare providers or related information. No wonder, to attract potential patients to your clinic, you need to fix your position on top of search engine result pages. But, as per recent reports on Google algorithms, the search engine giant now puts more stress on “E-A-T” criteria while pulling a brand or link on top. The E-A-T stands for- Expertise, Authority as well as Trustworthiness. Thus, this time, we are going to find healthcare providers emphasizing more on the E-A-T criteria to get on top of search results.
Programmatic buying would be dominant
Programmatic buying refers to the process of purchasing advertising which targets right audience with right message and that too at right time. The bottom-line is, programmatic buying makes your ad campaigns more focused, streamlined and eventually more effective. As a result, smart healthcare marketers today are increasingly focusing on programmatic buying for their ad campaigns.
Incorporation of voice-search themed contents
It has been documented time and again in recent times that voice search is going to dominate at least half of the online searches in the coming few months. And that goes for the target niche of healthcare industry as well- courtesy voice-search enabled devices like Alexa or Siri. So, it’s only natural that this year we will be seeing more emphasis on voice-search compatible promotional contents from the healthcare providers.
Marketing automation would gain prominence
Marketing automation software systems allow automation of a good lot of tasks, ranging from sending of mails to posting on social media. The whole automation process is an excellent time and energy saver. It’s a busy world today and hence we will be witnessing an increasing focus on marketing automation programs in the healthcare marketing scene.
Healthy Digestion Advice for New Puppy Owners
Do you remember your mother saying, “Make sure you chew your food,” or, “You are eating too fast! Slow down?” This motherly advice was designed to foster healthy digestion, so you had plenty of energy to fuel all of the activities that are a natural part of growing up. She was also trying to foster a way of living that would lead to a strong way of life as an adult.
As a pet parent, you are concerned about creating a way of life for your new puppy that will foster healthy digestion, giving your new puppy a good start in life. Digestive problems are a common reason that pets are presented for examination to veterinarians. I believe that at least some of these problems could be avoided if pet parents established patterns of healthy digestion for their puppies.
Healthy Digestion Starts with Portion Size
To encourage healthy digestion, start by ensuring you’re feeding your puppy the correct amount of food. Be aware of how much your puppy eats and measure out its food each day. For new puppy parents, the feeding guidelines on the back of a bag of quality food provide a useful starting point. Be aware, however, that most dog food companies overestimate how much food your puppy will need. Using common sense is important in determining feeding amounts. This is another area in which your family veterinarian can be great source of information. Make sure that you seek a vet’s advice on portion size at each of your puppy’s examinations.
I suggest feeding smaller amounts of food frequently throughout the day. Small breed dogs benefit from this feeding protocol because they are prone to suffering from hypoglycemia. Feeding small amounts frequently throughout the day will help to stabilize your small puppy’s blood glucose levels.
Large breed puppies also benefit from eating smaller meals more often, but for different reasons. Large breed puppies, especially Labrador retrievers and Great Danes, tend to eat greedily. If they are offered a large amount of food at one time, their vigorous appetite drives them to gulp their food and may predispose them to “bloat,” which may have life-threatening consequences.
Regulate Your Puppy’s Diet Strictly
Lastly, I suggest strictly regulating what your puppy eats. Many cases of vomiting and diarrhea I see in practice stem from dogs getting into or being fed human food. So many dogs are indiscriminately fed human food that they recognize it as a legitimate food source and will beg for it. Very few of us have the will power to turn down “puppy eyes.”
Start now! I suggest talking with every family member about the importance of good feeding habits. I have seen patients die from eating human food items such as pizza and ham bones. These types of deaths are senseless and can be avoided if every family member is committed to the digestive health of your canine family members. Expert advice for the digestion is available right here with the professionals at online sites. If there is any issue in digestion, then proper precaution and treatment will be provided to the dogs.
Compact Impact Driver- What Are The Top-Notch Benefits Of The Machine On Woodworking?
Are you facing issues while screwing nuts in the wood? If yes, then here is the ultimate solution for you, which will be going to make your work easy. It is called as drivers who are very compact in size, which means that you can store them in your pockets easily. The job of the driver is to fasten the job related to wood and screws. Most of the people prefer drills for wooden work as they are unaware of its functioning and the weight. The extra tool can be attached to the drill, which can work like a driver. Rather than wasting money on the drills, you should pay attention to the compact drivers. You should visit reviewjam.com, where you can easily get to know about various drills available in the market. Compact here is the topmost advantage you can get to have, which means the driver would be so light in weight and small in size. Using the drill is hard as compared to the driver because, in that, you need to apply pressure on the machine for the screwing process. On the other hand, using of the driver is as easy as you just need to hold it in the right position.
There are lots of people out there who still use a drill as they should need to upgrade it. You would never be going to feel tired after using of the machine. This is the best part about using the compact instant driver for the woodwork.
What is the working of impact drivers?
The driver generated too much motion and force at the time of the screwing process by which the screwing gets faster and easier. The hammer action in the machine plays a very essential role because the motor alone in the machine does not work. A combination of hammer and motor works together in speeding up or decreasing the speed of the machine. Spinning is the key behind the fastening up of the machine. That is why the hammer is an essential part of the machine. Without it, the machine cannot be controlled as you might get to face issues in the spinning of the machine.
Here are some of the great benefits of the machine you should know about
Numerous advantages are there which you would get to know about the driver that would be going to leave you to be spellbound. Various benefits are as follows-
- High spinning- The power of the machine is so high that it can produce the best in speed and power drills. If we talk about wood here, then it is harder, which means that the machine would need to require max power to accomplish success in the work in no time. You should go for it without any second thought because it would not let you down.
- It can be stored easily-If you are worried about storing it, then there is nothing to be stressed about. It is so compact in size that it can fit in any kind of place. If we compare it with a cordless drill, which is very heavy and big in size, that you cannot store it in tight places, this is the thing due to which it has become more popular than the drills among people.
- Screw without drilling holes-It sounds strange, but if you are using the machine, then there is no need to drill some holes first. You can directly screw the bolts in the woodwork without any interruption. The higher the torque, or we can say spin, is required for this achievement. The demand for these machines is so high as you will get to see various people using it nearby you.
- Almost no recoil.Recoil here refers to the interruption of balance. There would be so little or so low recoil by which you can easily get to do your work. Balance in the right position is required for perfect screwing that can only be done with the help of a low recoil mechanism. If you are new to this work, then the machine is the right choice for you. You can easily get to learn the screwing activity by using the machine.
- No fear of kickback- There would be no fear of kickback as most of the people who are using drills know what kickback can result in. The driver is so compact that you can easily get to maintain the balance with zero kickbacks. Most of the time, kick back in drills is hurtful that it can easily get to hurt your hands.
- Can be carried easily-You can either have it in your pocket or on your belt. The choice is yours as it is so light in weight that you will not be going to feel anything in your hand. Your pocket would feel like empty, and thus, you can easily get to roam here and there without even feeling it.
- No pressure on the wrist-You can use it the whole day on the wood, and still, you would get to feel or notice nothing on your wrist. You should be very grateful to this machine because there are various others in the market which is very heavy in weight. If we talk about drills, then they are absolutely very heavy in weight, which can easily get to make your tired or hurt your wrist.
- The best battery life- It runs on the battery, which means it would have the best battery life you can imagine. It can last up to various hours, which is the best thing about the drill. This is the ultimate key to the success of the compact driver machine.
Thus these are some of the essential benefits you should know about. These will not only help you in knowing about the best machine but also you can get to choose it very carefully. It is concluded by saying that compact drivers are a lot better than the drills because of their features and compact in size.
Hair Loss Treatments: Which One is Right for You?
Hair loss, known as Alopecia in medical pratice, is a bane for the majority of middle-aged men and women. One of the causes of hair loss is due to genetic factors in which sufferers have absolutely no control of. However, people suffering from hair loss need not despair since there are good treatments that can help in controlling hair loss. Some of these treatments are available in the form of surgery and medications. To ensure a successful treatment and to avoid complications, you may need to consult a qualified person first to know the suitability of any treatment that you are considering.
The most common perception that hair loss treatments such as advanced laser hair removal services in Brampton are expensive and that puts a hole in the pocket, is a total misnomer. Instead of cribbing over and feel embarrassed to face people due to hair loss, it is better to spend some money to control it and get back the original hair you had to gain back your youthful look.
There is no fool proof method of identifying hair loss early enough to prevent it, as it is a genetic disorder that is passed on to the off springs. Some may carry these genes without getting affected by it in any means, which makes it literally difficult to pin point its occurrence later on. One theory believes that if our grandparents are hair loss sufferers, then it is most certainly likely to affect the grandchildren. You need to look back at your family history to know if you may suffer hair loss so that you can take precautions.
Hair Grafting
Hair grafting was the normal procedure adopted by most hair surgeons to grow hair at the affected area, but it is now being slowly replaced by the technically superior procedure called “follicular unit extraction”. This treatment has increased the chances of growing back hair successfully without damaging the hair follicles. This advanced technology ensures the natural growth of hair and imparts a normal look which makes it even more effective as compared to the older grafting procedure.
Follicular Unit Extraction
You need not be put off by the high sounding “follicular unit extraction” since it is not expensive as the name suggests and there is sufficient competition among surgeons to get it at a reasonable price. You have to spend some time contacting hair clinics for competitive analysis and price quote so that you can get the best service at an affordable price.
Prescription Medicines
If you are afraid or have no time to spend with any hair surgery, then you can opt for medications like Propecia or Rogaine. However, the hitch is that these medications are required to be consumed for longer durations of time which may become expensive in the long run. If you are well covered by medical insurance, you can very well opt for these treatments to grow back your hair and regain your youthful look.
Once again, whichever treatment you are considering, it is best to consult a professional to know which may be the best treatment for your hair loss.
Credit Default Swaps: Misconceived Insurance
Credit default swaps (CDS) became a highly talked about topic when the mortgage market went bust a couple of years ago. The CDS gained a lot of negative publicity and acted as a catalyst for the demise of multiple brokerage shops and investment banks. The fact of the matter is that the CDS is not necessarily a risky investment and the only problem is lack of market transparency.
People often think of credit default swaps as an individual “security” like a stock, bond, or option, but in reality, the CDS is simply a bilateral contract or agreement between a buyer and seller. It’s very similar to buying some form of personal insurance such as auto or health. While the CDS is a derivative and often claimed to be “complex,” it’s an easy concept to understand. Moreover, there is a specialist insurance company that is willing to provide you insurance as you get a mortgage. This will secure you financially and you can plan your credit with a sense of security.
There are two parties involved, a buyer and a seller. In this example, we’ll say that the buyer owns $25 million in General Electric (GE) bonds. As you would purchase health insurance to protect yourself from losing all your savings in the event of a medical emergency, the holder of the GE bonds simply wants to protect himself from GE defaulting. The buyer goes to the market and finds another company that will sell him insurance on the bonds he owns. The buyer pays a premium to the seller in order to receive protection on his bonds. The buyer wins by having peace of mind that in the event of default, the seller will cover the loss. The seller wins by receiving premium payments on a periodic basis just like that of an insurance company. In the GE example above, if GE defaults, the seller must deliver the par value of the bonds.
The primary problem with credit default swaps is the lack of market transparency. If buyers enter into CDS contracts involving the delivery of more bonds than are actually available, collecting funds after default can be very difficult. With stocks and bonds, the outstanding amounts can be easily accessed, but asset availability is not always known with credit default swaps. Investment banks tend to offer protection against default on more bonds than are actually available. If the bonds default, investment banks are competing against each other to deliver the par value of the bonds. As bankers buy the bonds, the price rises, therefore a bond with an initial price of $100 may increase astronomically to $500, $1,000, or even higher. The International Swaps Derivatives Association (ISDA) alongside the Securities Exchange Commission (SEC) are working to resolve the issue of market transparency and while it may take a few years, investors will eventually see the benefits of credit default swaps.
Fabulous Diy Spa Party Invitations
Spa party invitations should put guests in the mood for your luxurious and relaxing spa party. There is no better way to do this than personalizing your spa party invitations by making them yourself. When it comes to the location for your spa party, Welcome to myethosspa Med Spa is a really good option that you can try. Along with your hand made party invitations you can make your party a hit among your friends.
Follow these DIY invitation ideas for a spa party to create inviting and original spa party invitations.
Free Printables Supplies:
- Internet connection
- Paper or card stock
- Color printer
- Glue
- The glitter and other embellishments
- Ruler
- Envelopes
For the easiest DIY spa party invitations, use free printable invitation sites. One such online site, that has spa party invitation templates, is HoverWebDesign.com.
Using a color printer, print the spa party invitations off on computer paper or card stock. Both can be purchased at an office supply store. Card stock will hold up better if you are planning to embellish your spa party invitations.
After printing your spa party invitations, fold it in half. Use a ruler to get a straight fold. Run your hand over the fold, until the card will stay closed on its own.
Purchase glitter and other embellishments from a dollar store. Walmart has self-adhesive stickers that look like rhinestones, that can be purchased for around $2 a sheet. Glue your embellishment to your spa party invitations, to give them extra personalization and style.
Take a finished invitation with you when shopping for an envelope. This will ensure that you purchase the right size envelope for your spa party invitations.
Scrapbook Style Supplies:
- Card stock
- Scissors
- Scrapbook Stickers
- Markers
- Ruler
- Envelopes
The key to these fun and interesting spa party invitations is to purchase supplies in coordinating colors. This will give your spa party invitations a more professional and cohesive look. Scrapbook stickers can be purchased at scrapbooking stores, dollar stores or Walmart. Scrapbook stickers you will need to purchase for this invitation are lettering and beauty inspired stickers.
Fold your card stock in half, using a ruler.
On the inside of the invitations, write the specifics of your spa party. Include party time and location. Include any items that your guests might need to bring to the spa party, such as robes or beauty products.
On the face of your spa party invitations, arrange your scrapbooking stickers to form your wording. This can say something as simple as “Spa Party,” “Time to Relax,” or an original phrase. Glue stickers to the card stock, to ensure that they will stay on.
Judiciously glue your picture stickers on the invitation. The idea is to embellish upon the spa party theme, not clutter or overwhelm the invitation. Use scissors to trim the stickers, if necessary.
Take the final invitation with you to an office supply or greeting card store, to get the perfect fit.
These spa party invitations will be ready-made for your guests to place in their scrapbooks. Encourage them to take pictures at the spa party, so they have memorable images to fill the page.
Beauty Products Supplies:
- Beauty product
- Colored paper
- Scissors
- Hole Punch
- Ribbon
- Marker
For these spa party invitations, shop for spa-inspired beauty products at dollar item stores, such as Dollar Tree. Example of these spa party beauty masks is clay face masks, eye masks or lotion. You will only need to purchase one item per invitation.
Purchase 8×11 colored paper at a craft or office supply store. Cut the longest edge of the paper into three strips. Fold these strips in half, to form your spa party invitations. Use a marker to write your spa party specifics on the inside of the card.
Using a hole punch, make a hole in the upper left corner of the card. This should be the upper corner closest to the fold.
Cut ribbon, purchased from a craft store, into six-inch sections. Cut one ribbon section for each one of your spa party invitations. String the ribbon through the hole in your invitation card. Fit the ribbon securely around your beauty product. Tie it off in a tight knot, to ensure it remains around your beauty product. Play with leaving the ribbon ends loose or tying them in a cute bow. Go with whichever looks best on you completed spa party invitations.
This invitation idea for a spa party is a thoughtful gift, that will delight your guests. It is sure to put them in the mood for a fun and relaxing spa party.