The Real Secrets Of Successful Telepathy

By David A Andrews

Telepathy is when one person transfers their thoughts and emotions to another person often over great distances.

Telepathy is simply a natural, although misunderstood level of communication. Over the years animal trainers and scientists have come to the realization that animals use telepathic communications when connecting with one another, not just when up close, but also over great distances.

Many years ago it was believed that primitive tribes possessed the power of telepathy, and anthropologists still believe it today.

Even if you have never considered it before, the truth of the matter is that telepathy is just a different language that can be taught and learned. We already acknowledge those who can't speak correctly or read as well as others, so we should also help those who can't develop their telepathic power. However, it is possible for everyone to develop them to a certain degree.

One thing to understand is that most of our societies over many thousands of years have simply lost their telepathic powers. We now see it as being natural to only use speech, and the common five senses, but it was not always like that.

Would you believe that telepathy is linked to your sixth sense? Well it is and you may hear some refer to it as the third eye. Whatever name you have for it, telepathy should just come to be second nature.

You have probably already utilized your telepathic power and haven't even realized it. This is mostly because we consider these to be gut feelings or instincts. Maybe you just felt as though someone was looking over your shoulder, or you're worried about a family member all of the sudden. These things happen all the time and the end result is that you're usually right. It's amazing how we accept this in our world, but the mention of it being connected to telepathy and most people turn their head.

We can't really pinpoint an exact time when the majority of humanity seemed to lose touch with telepathy, but it has a lot to do with not believing in its power. You often see this amongst many religious organizations like Christianity and Islam that believe this is a tool used by Satan and is simply demonic power.

The debate over this subject continues to surface every now and again, but the truth of the matter is that religions have a lot of power over our civilization. We are taught that our own natural abilities should be pushed aside for the Messiah, the Savior, or the Prophet (depending on your religion).

While we aren't trying to offend anyone, you have to ask why religions would be so distrustful of telepathy. Our own opinion is that if others possess a power such as this, they can challenge the leaders of the church. Since no one wants to lose their power, they keep everyone suppressed about the matter. Granted, it's not like this everyone, but when cases arise it's usually the reason.

Then of course if it's not religious talk, you can always turn to the scientific thoughts. Even though we do have open-minded scientists who believe in telepathy, there are some out there who think it's virtually impossible. The thought behind it is that you cannot taste or touch it, nor numerically measured. Believing this only keeps the positive thoughts at bay.

It's a big dilemma considering scientists have no problem accepting emotions and instincts. Are these individuals being prejudice? It's possible, but since scientists can feel emotions and instincts themselves, they consider this okay. When it comes to telepathy though, there is a lot left to be explained, so they don't acknowledge it.

Some believe it could be that the scientists who oppose telepathy are simply jealous. After all, it doesn't seem fair that someone could do something like this, which is why they don't want anyone else to have them. So instead of branding something different, it is always considered an instinctive response.

We many never find out the true reason why humanity lost touch, but it could date back as far as the story around the Tower of Babylon. Seeing how this was the time when languages were to confuse people, it's possible that the language of telepathy disappeared.

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Want To Raise Capital? A Must Read If You Need Investors!

By James Scott

Regulation D, Under Sections 4(2) and 3(b) of the Securities Act of 1933, the SEC adopted Regulation D to coordinate the various limited offering exemptions and to streamline the existing requirements applicable to private offers and sales of securities. The Regulation establishes three exemptions from registration in Rules 504, 505, and 506.

Rule 504, which provides an exemption for non-reporting companies unless they are "blank check" issuers or certain "shells", stipulates that: The sale of up to $1,000,000 of securities in a 12-month period is permitted provided that there is no general solicitation, the securities sold are restricted securities and cannot be resold except pursuant to a registration statement or exemption, and a notice must be filed with the SEC within 15 days after the first sale. Rule 504 does not provide an exemption under any state laws. In certain limited circumstances where an offering is conducted under state accredited investor exemptions, securities offered under Rule 504 may be freely transferrable. Unlike Rules 505 and 506, Rule 504 does not mandate that specified disclosure be provided to purchasers. Nonetheless, the business person should take care that sufficient information is provided to meet the full disclosure obligations which exist under the antifraud provisions of the securities laws.

Rule 505 was adopted by the SEC to provide small businesses more flexibility in raising capital than under Rule 504 - but without the uncertainty of determining the quality of the purchasers that generally is involved in using Rule 506. Rule 505 provides issuers a limited offering exemption for sales of securities totaling up to $5 million in any 12-month period.

Rule 505 contains certain restrictions regarding "accredited investors" and non-accredited persons. The-term "accredited investor" includes:

Banks, insurance companies, registered investment companies, business development companies, or small business investment companies; Certain employee benefit plans for which investment decisions are made by a bank, insurance company, or registered investment adviser; Any employee benefit plan (Within the meaning of Title I of the Employee Retirement Income Security Act) with total assets in excess of $5 million; Charitable organizations, corporations or partnerships with assets in excess of $5 million; Directors, executive officers, and general partners of the issuer; Any entity in which all the equity owners are accredited investors; Natural persons with a net worth of at least $1 million; Any natural person with an income in excess of $200,000 in each of the two most recent years or joint income with a spouse in excess of $300,000 for those years and a reasonable expectation of the same income level in the current year; and Trusts with assets of at least $5 million, not formed to acquire the securities offered, and whose purchases are directed by a sophisticated person.

If the issuer sells any securities to non-accredited investors, it must furnish to all investors the same type of information as required by Regulation A. It must also furnish audited financial statements.

If an issuer other than a limited partnership cannot obtain audited financial statements without unreasonable effort or expense, only the issuer's balance sheet (to be dated within 120 days of the start of the offering) must be audited.

Limited partnerships unable to obtain required financial statements without unreasonable effort or expense may furnish financial statements prepared on the basis of federal income tax requirements and examined and reported on by an independent public or certified accountant in accordance with generally accepted auditing standards; and The issuer must also be available to answer questions by prospective purchasers about the issuer or the offering.

Further restrictions under Rule 505 include:

The total offering price of each issue of securities may not exceed $5 million. The offering may not be made by means of general solicitation or general advertising. The issuer may sell the securities to an unlimited number of "accredited investors" and to 35 non-accredited persons. There are no requirements of "sophistication" or "wealth" for persons to whom the securities are sold. A company must take any necessary steps to ensure that the purchasers are acquiring securities for investment only, not for resale. The securities are thus "restricted" and investors must be informed that they may not be able to sell except pursuant to a registration statement or exemption from registration. The issuer is not required to file any offering materials with the Commission. Fifteen days after the first sale in the offering, the issuer must file a notice of sales on Form D. The notice also contains an undertaking under this Rule for the issuer to furnish the Commission, upon its staff s request, any information given to non-accredited purchasers in connection with the offering. Rule 505 does not provide an exemption from state securities laws.

SEC Rule 506 offers and sales of securities by an issuer that satisfy the conditions stated below are deemed transactions not involving any public offering within the meaning of Section 4(2) of the Securities Act. For an offering to be considered exempt from the registration requirements, Rule 506 stipulates: There is no ceiling on the amount of money which may be raised. No general solicitation or general advertising is permitted. The issuer may sell its securities to an unlimited number of accredited investors and 35 non accredited purchasers. Unlike Rule 505, all non-accredited purchasers (either alone or with a purchaser representative) must be sophisticated - that is, have sufficient knowledge and experience in financial and business matters to render them capable of evaluating the merits and risks of the prospective investment. The term "accredited investor" is defined under Rule 505.

If the issuer sells any securities to non-accredited investors, it must furnish to all investors the same type of information as required by Regulation A. It must also furnish the same financial information as would be required by registration on Form S-1.

If the issuer cannot obtain audited financial statements without unreasonable effort or expense, then financial statements may be provided in accordance with the special treatment described under Rule 505.

The securities sold are "restricted" under the same stipulations in Rule 505.

A company is required to file a notice of the offering on Form D at SEC headquarters within 15 days after the first sale in the offering. All states except New York provide an exemption from state securities laws for offerings under Rule 506 but the company must file a copy of the Form D and pay a filing fee in each state. New York has a distinctive law which makes a Rule 506 offering within that state impractical.

Accredited Investor Exemption

The Small Business Investment Incentive Act of 1980 created a new statutory exemption from registration under the Securities Act for transactions involving offers and sales of securities by any issuer solely to one or more "accredited investors." Under Section 4(6):

The total offering price of each issue of securities under the exemption may not exceed the limit on small offerings set by Section 3(b) the Securities Act, which currently is $5 million per issue. The offering may not be made by means of any form of advertising or public solicitation.

The term "accredited investor" is defined to include the same individuals and entities as included for purposes of Rules 505 and 506. The issuer is required to file a notice of sales on Form D with the Commission 15 days after the initial sale is made in reliance on the exemption.

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Successful Chakra Balance - More Secrets!

By Christy Tanner

If you want to learn about the concept of chakra balance you have to understand chakra's in general first. Chakras are our energy stations or centers. Chakras are your openings in your body for life energy to flow in and out of your aura.

Chakras associate with our mental, emotional and physical activity and one of their functions is developing the self conscious as well as revitalizing the bodies physical energy

You may wonder what the chakras look like. While researching you will find that chakras have a funnel like appearance, with even smaller funnels spinning within the larger funnel. Chakras have a similar appearance of the lotus flower.

Everyone has seven chakras and every chakra has a corresponding color association. Here we will learn of each chakra, the benefit of chakra balance and how they work to relieve stress and enhance your life and well being.

Starting at the base of the spine and ending at the top of the head, you will find seven chakras. The names of the chakras are the root chakra, solar plexus and heart chakras, the throat, brow or third eye and the crown chakra.

To accomplish a chakra balance you can eat certain foods which help to ground and re-energize your chakras.

For your root chakra you should try carrots, potatoes, parsnips, radishes, beets, garlic, eggs, meats, beans, and tofu.

The sacral chakra benefits by eating such foods as mangos, almonds, melons, cinnamon and honey as well as many other foods.

For you solar plexus chakra, this will help with self-esteem, try eating flax seed, cereal, milk, cheeses, ginger, mints, and others.

Heart chakra and foods that will help heal emotional hurts try eating spinach, kale, broccoli, green teas, basil, sage and thyme.

Next is your throat chakra and to help to speak truth try eating lemons, limes, kiwi, salt , lemon grass, apples, pears, and plums.

You can awaken the senses of the third eye by feeding the brow chakra with such foods as poppy seeds, lavender, red grapes, blueberries and black berries.

Crown Chakra: To aid in cleansing and opening the spiritual connection and communication of your crown chakra, you might enjoy making use of incenses such as copal, frankincense, juniper, myrrh and sage.

Keep in mind this list is only a fraction of the types of spices, drinks and food products useful for chakra balance. To achieve a chakra balance, however, you will need to learn to gain better focus on the chakra centers of your body.

You can also do a chakra balance by using gemstones and placing the gemstone on each chakra point, with each point you can do an individual chakra balance and leave a gemstone on your chakra for three to five minutes depending on the amount of balance you feel you need to accomplish. You would start at the root chakra when doing this.

You may choose to use any type of gemstone, however, you should be aware that some individuals recommend particular gemstones for each chakra center, although the choice of gemstone may vary from one individual to another. You can easily test the theory by alternating gemstones until you find your perfect match. You may notice a humming once you have your gemstones in place on your chakras, or perhaps a feel good feeling when utilizing the best gemstones. If you experience any negative feelings, or the gemstone just does not feel right, remove it and do not use it for chakra work at all.

You can experiment with different gemstones, and when you find the one that feels the best you should make a list of which chakra and what gemstone you are using. An example is black onyx being used for your root chakra, this seems to be a very good choice for most people, but once again it may not be the correct gemstone for your chakra. So don't feel that you are doing something wrong if a gemstone that someone else suggested doesn't work for you.

You can achieve chakra balance all at once, by placing your gemstones on each chakra center at the same time, leaving them in place for anywhere between three to twenty-five minutes, depending upon how much balance you feel your chakra requires.

A new scientific development in audio technology now allows you to achieve a chakra balance just by listening to special sound frequencies.

Just by listening to the special sounds on headphones your chakras become instantly balanced!

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Video Game Ideas - Best Ways To Enjoy Your Self While Playing Video Games

By Allen Cleveland

These days video games are becoming more popular than outdoor games amongst youngsters as well as adults. Various good video game websites are now operating successfully on the internet that gives you numerous options for playing the virtual games. If you really like playing video games then you must surely become a member of a website that can provide you unlimited gaming experience.

The popularity of video games is increasing with a rapid pace that is why various affiliate marketing companies are now collecting leads from online fun sites and gaming sites in order to attract clients and users. You can also use the link of these video game sites in your own webpage to gain popularity.

1. The right keyword or phrase

In order to achieve instant success it is very essential for you to use the right keywords and phrases. Try to use some unused or unique keyword that can help you to gain a large audience. You can really attract many people who play games on online websites with the help of unusual keywords. For marketing their products and services various affiliates take the help of gaming sites to achieve the maximum results.

2. Collecting leads for video game and other fun sites

Marketing companies are now using leads from various video game and social networking sites for marketing their products. If you are a marketing affiliate you can provide your clients gaming links which they can use for collecting all the information about their favorites games. More and more people are now searching for good gaming websites that can provide them a fun filled experience.

3. Affiliate marketing for gaming websites

You can really earn a huge amount of money if you are an affiliate for a gaming website. You can provide the users some great keywords with the help of which they can search your gaming website. There are various marketing products that you can promote online with the help of affiliate marketing techniques.

4. Finding the most popular niches

If you want to successfully promote your products then you must find out about the words, phrases and niches which are most searched online. Gaming is a vast niche that is most searched these days, so if you are engaged in affiliate marketing you can take the help of this category to promote your services and products.

I am sure the above mentioned points would surely tell you about the ways through which you can use video game ideas to promote your affiliate business.

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Mormon Secrets - A View Inside The Mormon Temple Church

By Alfred Ras

Knowing and understanding the various religions can be quite intriguing. One religion that has really grounded itself and has its roots is the Mormon religion. This dates back to the 1830s which is a religion that was founded by a man by the name of Joseph Smith. Up until 2006 there were over 12 million members of this religion so it is not one that would be considered small.

The basis of the doctrine for the Mormon religion is based on historical Christianity with the belief that God raised Joseph Smith as a prophet in order to bring back the true Christianity. They don't have any concept based on the Bible they feel that it is quite inadequate. They actually base more of their beliefs on revelations that Joseph Smith claimed to have discovered. These are all written in what is called the book of Mormon and really are the true Bible to the Mormons. There are two other books that they also hold of great importance and this is the doctrine and covenants and the second is the pearl of great price and they also have a law of referral to the living prophets.

Mormons are primarily known for being missionaries and as a matter of fact it is mandatory for single Mormon men that are in good standing to do two years missionary service before even thinking up becoming married. Women have their own guidelines and also those for women that have gone beyond the ability to raise children. Much of the Mormon religion is based on strong family values but if you look beyond this you are going to find that their values are really not what society looks at as being normal.

According to the Mormon God was once a man and then turned into a God. Ironically though the book of Mormon contradicts this which is not unusual for this particular book. It would seem that the majority of Mormons really don't follow what the book dictates.

When one goes way back and takes a look at some of the beliefs that the Mormons hold, there actually quite disturbing to those that believe in basic Christianity. For example the Mormons believe that God as we know it lives on the planet near the store star Kollo where he has several wives and is having spiritual children. Then they believe that Jesus and Satan are Spirit Brothers. They also include in their teachings that Jesus was married to more than one wife. There is some speculation as to whether this is still being taught. This could be based on the fact why there is than a lot of perception about Mormons taking on more than one wife.

The Mormons is one of those religions that has their own secret rights and special temples and one sometimes will equate them to the Masons. They also have a baptism of the dead rights which is what they classify as proxy. They also believe in wearing magical underwear that supposedly gives them some special protection. What is interesting here is that on this underwear there are some designs of images that stem from the Freemason. There is much speculation that this religion is very close to the Masons and it is said that Joseph Smith himself was a Freemason. Their Temple happenings are held in secrecy such as the Masons as well. When one takes a look at this religion there are very many similarities to the Freemasons.

It's interesting to note that although Joseph Smith is considered as a prophet none of his prophecies came true. The untimely demise of Joseph Smith is that he didn't reach the age of 85 because he was murdered in 1844. There were many prophecies of Smith. that just sort of went by the wayside. There are many that feel that the Mormons have a good heart they are just miss guided individuals

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Ft. Lauderdale Chiropractor Helps People Feel Better Naturally

By Lance Aldinger

Nobody wants to live with pain, but most of us do experience at some point. For most of us, this pain will not be too horrible and will only last temporarily. However, there are many people who are forced to live in pain every single day, such as those who suffer from serious sports injuries. A Ft. Lauderdale Chiropractor is helping athletes and the community feel better naturally.

The most common way that people get rid of their pain is through the use of medications that are either bought in stores or via a prescription from a doctor. After taking these pills, there may be a reduction or a total numbing of the pain. However, this feeling of relief never lasts, which means that a person must continue taking the pills in order to keep the pain away.

Pills are not a good idea in the long term because they can have negative effects on a person's health. They also have some serious side effects, like nausea, increase in blood pressure, and other problems. Some people even become addicted to them.

Dr. Lawrence Schechtman at Schechtman Health Care Center does not use pills and surgeries. Instead, he uses chiropractic care, recommends certain helpful exercises, nutritional advice, and other natural methods.

Doctor Schechtman treats many patients at his wellness center who have a variety of different conditions. Some ailments that he treats include sports injuries, disc problems, fibromyalgia, disc degeneration, and carpel tunnel syndrome. He also works with patients who have whiplash, upper or lower back pain, scoliosis, and headaches.

Pain does not have to get in the way of your life. Try talking to a doctor about your symptoms and come up with a treatment plan you can both agree upon. For people in the Ft. Lauderdale area, Dr. Schechtman may be a wise choice.

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The Benefits Of A Wooden Greenhouse

By Eddie John



Growing plants can be a very difficult and time consuming process. A wooden greenhouse can help to reduce some of the variables involved in gardening. These houses give you a controlled, sheltered environment to grow your plants to your specifications.

Growing you plants in a greenhouse is not a new-age idea. In fact, greenhouses have been used since the Bronze Age and have only gotten better since. To older civilizations, greenhouses provided a place where food could be grown year round. It also allowed them to keep plants alive during the winter so there was no need to start from seed that following spring.

A greenhouse lets you control and modify the environment inside of it. This means you can grow plants from many different regions since you can simulate their place of origin. Also, you don't need to worry about your plants dying from frost in the winter. If you enjoy vegetables, you can have them growing all year round; all you have to do is keep the temperature of the house at an optimum level.

This allows you to grow many different plants under one roof since you are taking out the environmental variable. And if your area doesn't get enough sunlight, you can install UV lights in your greenhouse to keep your plants growing at any time. This also allows you to bring in foreign plants from tropical or desert regions since you have control over the environment.

Another great advantage you get in a greenhouse is exact control over your plants. You can make sure there is no cross pollination with other species or with weaker plants. If you are trying to breed a specific type of plant you have direct control of the pollination so you can breed plants by selecting the desirable traits.

A lot of people enjoy growing vegetables in the backyard but don't want to deal with the bugs that could infest them. In a greenhouse, you can make sure that no bugs take hold so your plants won't get eaten. In addition, you won't have to use any pesticides that could potentially harm your crop.

The only drawback with wooden greenhouses is the fact that they are made out of wood. Wood is porous so it will be very difficult to control humidity levels in your greenhouse. One the plus side, wood is also very cheap so you can build the house at a very low price. Making a greenhouse out of fiberglass can be very costly and not worth it.

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Face Painting For Adults

By Hollie Copeland

Finding time for entertainment in everyday busy routine is not easy. But there are certain events and occasions, for which one has to take out time and enjoy those events superbly. Party time cannot be missed by children and adults at all. Both age groups know how to make the best of the party and to have a ball of a time. They actively participate in all the activities of the party, and with their enthusiasm, they intend to make the part a success.

All the festive occasions and celebrations like birthday parties, festivals, fairs, camps and clubs effectively have a face-painting gathering. If you possess creative painting skills then you can paint your face by yourself. For this purpose, you should be aware of the fact that it is possibly one of the hardest jobs, but if you are able to do it then it is a great fun for you. Further, if you are not good at painting or you do not have enough time then you should stop worrying about it. You can always employ a professional for this job.

Face painting is now accepted as a regular and well-known profession. You can find a number of face painting artists who can make your event colourful. If you do not know of any local artist, it is easy to search on the internet and find such artists in your local area. There are dedicated websites that offer all kinds of information on their specialization, contact address and the sample designs.

When you appoint a face painter, he provides his own face paints. These face paints are always of best quality. As we know that skin is a very sensitive part of our body, we should be extremely careful while choosing face paints. Professionals face painters may prove to be a bit expensive.

In addition to the face painting, adults can also use glitters. These glitters show great magnitude in highlighting the designs. Moreover, you may also utilize temporary tattoos.

In this case, the whole face is painted black with the help of the sponge. They are painted with white or yellow teeth, and red lips complete the look of the devil. The angels are mostly painted with white colour. Face painting is incomplete without the accessories. Along with the face paint, they also use wings for the angels, and horns for the devil.

The face painting in adults is related to the events. For example, on the event of Christmas, they love to paint their faces with Christmas colours. The typical Christmas colours include red, green, and white. They usually paint their faces with the Santa designs.

Tattoos around the jaw lines are a favourite of all adults. Some like tattoos, done with face painting on their necks. In fact, they like to have face paints on any visible part of their body like their forearms, legs, belly and hands. Halloween themed face painting is also much liked by adults. Face painting makes their celebrations fun and exciting.

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Carry German Shepherd Bank Checks to Show Your Loyalty to Your favorite Canine

By Alan Plastin

Few dogs inspire as much loyalty as the German Shepherd. While dogs might be considered man's best friend in general, the German Shepherd goes a step beyond that and has been known to save lives and even improve the quality of some people's lives, as seen in the seeing-eye dogs. If you love your German Shepherd and want everyone to know how you feel then you might be interested in carrying German Shepherd personal bank checks.

As the name implies, the German Shepherd initiated in Germany. As a breed, they have only been around for a little over 100 years so they are still rather new, despite their popularity. Originally, they were bred to herd sheep. However, due to their intellect, faithfulness, and power they have also been used as war dogs, police dogs, and even seeing-eye dogs worldwide.

They are so intelligent as a breed, in fact, that they continue to be bred for their outstanding intelligence. After the poodle and the Border Collie, they are considered to be the most intelligent breed of dogs. Because they are able to learn things quickly, they have been used as search and rescue dogs at police stations and make good guard dogs as well.

They have also been used as guide dogs for the visually impaired, as well as for narcotics detection and explosive detections. They have even been used to detain suspects. Once a German Shepherd becomes loyal to the people around him, he will become very protective to them and even defend them when needed.

The German Shepherd has also played a part in pop culture, too. Rin Tin Tin is perhaps the most famous German Shepherd of all. Recently, however, they have been spotted in such movies as "Halloween", "The Hills have Eyes", and "I Am Legend." Adolph Hitler's Shepherd, Blondi, has been shown in a lot of documentaries about the dictator.

There are many different German Shepherd check designs that you can choose from. Although some check series simply show gorgeous photographs of elegant German Shepherds, others are more specific and contain images of adult dogs or puppies. There are even patriotic inspired German Shepherd checks that contain an image of the American flag in the background.

If you are considering purchasing German Shepherd personal bank checks, then this is the best time to do so! While it could be costly to buy them from your bank in the past, and they more often than not offered a limited supply of designs, you can now buy them online and save up to 50% off the price. In addition, you will have a bigger variety of checks to pick from.

When you buy your personal bank checks from a trusted site you are not only saving money, but also time since you won't have to leave your home to purchase them. You should anticipate receiving your checks in around 5 days.

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The Latter Day Saints LDS Church Beliefs

By Alfred Ras

One that does not follow the Mormon faith but has a bit of knowledge about it shakes their head in awe at where Joseph Smith came up with some of his so-called revelations. Right from a very young age after supposedly receiving his calling Joseph Smith centered his mission on salvation. He put a great deal into his teachings regarding the Celestial kingdom.

There is no doubt that Joseph had quite an interesting take on the kingdom of heaven. According to the Mormons they believe that there are at least five places that the deceased could move on to. These consist of three heavens, a paradise and Hell. Now according to Joseph there are three levels of heaven. It should also be remembered that Sidney Rigdon was also privy to the original revelation of Joseph Smith. The first resurrection that is supposedly to take place will be of the first born according to Joseph. The firstborn are those of the priesthood. So considering his way of thinking that explains why he reinstituted priesthood.

Concerning the three levels the lowest level is the telestial. Now this is a heaven reserved for all those individuals who wouldn't accept the gospel of Christ or any of the teachings of Jesus. The people did not deny that the Holy Spirit existed so it comes down to it that it is reserved for those people that chose bad over good.

The second level is called the terrestrial glory. These are for individuals who somewhat tried to do what was right according to the Mormon religion but just weren't able to obey the stringent laws of God. it is also the place for those who rejected Christ in their mortal being but did accept him afterwards.

Finally the third and the highest level is the celestrial. Now this is the ultimate and is reserved for those who received everything that was laid out in the temple. They are all Gods that reside here. These are all very diligent individuals that obeyed all the commandments, accepted what Christ had to say, obeyed all the laws of the Gospel and received the Holy Spirit .They are entitled to the highest glory of all. This covers the three levels of heaven but as we said there are five areas that one can go to so that leaves paradise and Hell.

It should be noted that Joseph Smith did not believe in Hell per se as to what Christianity perceives it. Now to move on with the belief that at death the Spirit is either going to go to Paradise where it will be judged at a later date and then be able to get into one of the three levels of Heaven or it is sent to Perdition and they also get a chance to repent here and to be able to move on to a better level. This in the Mormon religion is technically known as the spirit prison hell and is considered a temporary state. Even though it can go beyond 1000 years. So as far as the Bible's stance that there is no second chance for repentance after death means obviously this part of the Bible did not hold credence with Joseph either.

It doesn't take much for one to see that Joseph had a knack for picking and choosing what would suit his mood and demeanor that time.

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Improve The Decor Of Your House- Install Water Fountains

By Lillian Smith

Water fountains are ultimate tools with the help of which you can really relax your senses. You can get custom made fountains, wall fountains, logo fountains and garden fountains. This equipment can really be very lucrative for your business and you can also get them engraved with your company's logo. They are natural humidifiers that help in relaxing the whole ambiance. They produce negative ions which attracts all the impurities and allergies from air.

The lustrous surface of the mountain creates a magical and elegant effect on the whole ambiance. In this article, my main focus would be to tell you about some great things that you must know about indoor and outdoor water fountains.

1. Lighted fountains

These are special fountains that are very unique and different from normal fountains. They come with special lights installed inside them which gives a magical touch to the all over decor of your house. You can easily install these fountains in your home and garden. They act as the focal point of your decoration. If you want you can also get colored light for your fountain to give it a different an unusual look. These days solar powered lights are also being used which helps you to save a lot of electricity.

2. Custom water fountains

Custom wall fountains are greatly increasing in demand because they are very good for homeowners as well as businesses. These fountains give you the opportunity to create your own design and logo. These products give you the freedom to choose your own material, texture, style and design. There are numerous shops and online websites that would provide you the option of custom made fountains. You must surely do a through out market research before you select a particular item for your home or office.

3. Indoor water fountains

These products are available in glass, steel, copper, bamboo, slate, and stainless steel and stone. They are very easy to install and they do not occupy too much space in your room or garden. People who want to renovate their houses must surely install the mesmerizing indoor fountains to change the whole appearance of their house. If you have a large house then you can also opt for large panel waterfalls that would cover one whole wall of your room.

4. Provide natural beauty to your house

If you want a natural and beautiful ambiance then you can create it with the help of water fountains which act as natural humidifiers. You can also use stone and rock water fountains that can really blend with the natural background of your garden. If you are looking for a natural look then you can also opt for ponds and waterfalls which you can install in your garden.

5. Maintaining the water fountains

The water fountains that are available in the market these days are mainly maintenance free. They come with high powered pumps and re-circulating units which makes it possible for you to clean them in an effective manner. If you want you can also get a room freshener feature installed in your equipment.

Water fountains have various benefits and merits which you can easily achieve by installing them in your homes.

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Printing Services - Over The Years

By Dean Smith

Print medium is a popular && powerful way of disseminating info to numerous different types of individuals, and can be seen even these days. Over the years the printing services industry has grown immensely & has reached its present form of a diversified industry. Today it addresses a wide range of needs of clients, which goes much beyond printing.

Bulk printing services through relief printing technology began during the--00's when the world's very first printing press was invented by Gutenberg. A slight elevation of the printed image from the background, like it is in a rubber stamp, is a key feature of relief printing. Relief printing is rarely in use nowadays, though there are still some instances where it is used.

Printing techniques have changed radically down the years, and these transformations have been driven by upcoming of newer technologies. There are many kinds of printing methods available today and each has its own use. Most customers are in fact dazed by the plethora of printing options before them.

Offset printing is a well known printing method preferred by most printers these days. In this technique, the image is transferred onto paper from a metal plate on which the image is first printed by the use of limited amount of ink. This type of printing is quite cost effective and quick, and it is usually preferred when big quantities of prints are required.

Other printing techniques that have come up with advancements in technology are electrostatic printing, which is akin to photocopying, and thermal printing, which uses a procedure of selective heating of coated thermal paper.

However, digital printing is the newest printing method that is getting a lot of popularity. As the name suggests it uses a computer to create an image, which is then analysed and if found to be accurate, printed onto paper. This mode is fast and flawless, but is suitable mostly for small volumes. As the printer can customize each print in this method, it can be employed for computer form printing, where documents such as receipts or bills can be printed for different customers, with each having an identical format but varying contents.

Printing services took another leap when the internet started gaining popularity. Most printing companies run their own websites that allow clients to easily place orders and study designs and specimens, without them having to go all the way to the firm's premises for this reason.

Printing has always taken quantum evolutionary jumps with the progress in technology. The best thing about this trend is that it will continue well into the future and keep improving the performance and cost effectiveness of printing services.

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Find Out How To Take Home The Max Cash From Participating In Online Poker With A Poker Rake Rebate Deal

By Michael Drovier

A lot of people have been asking this question lately: "What Is Full Tilt Rakeback All About?" It has been generating quite a stir on blogs and forums. The guys who are talking about it act like everyone knows what they're talking about, but they don't This brief article is only meant to fill in the picture a little bit. For more info, head over to Rakebackftw.com.

First of all, what does rakeback mean? Before you can understand what that means, you need to recognize what the word "rake" is referring to. In the game of poker, the rake is the fee or percentage the casino "rakes in" from the pot. This is the only way the casino can make any cash from a poker game. In games like roulette, the casino wins because the odds are in their favor. If you want to know more about it, go to Rakebackftw.com. They go into it in much more detail.

That's all there is to the word, "rake." It's the casino's percentage. "Rakeback" becomes pretty clear as soon as you understand that. A rakeback deal is money that is raked back to the players. That money is a percentage of the fee that the casino took before. The percentages vary from site to site, so you'll just have to look into that yourself.

What's important here is the fact that you can earn rakeback money, whether you win, lose or draw. It can really add up, too! Whatever you do, take advantage of this "loyalty reward" casinos offer for your continued business.

Now that we've got rake and rakeback cleared up, we're ready to tackle "Full Tilt." That's really uncomplicated. The Full Tilt Poker internet poker room is possibly the number one poker palace on the internet. That's where the real pros play. If you're not a professional poker player, don't worry. You won't have to go up against them. In fact, you are able to learn from them while you're there!

Full Tilt has been around a long time and a lot of its subscribers joined up before they discovered Rakebackftw.com. Consequently, those players missed out on the opportunity for rakebacks and FT. It's not that Full Tilt was trying to hide anything from them. It just wasn't usually part of the deal. Naturally, once they found out, they wanted to take advantage of it.

It's not a problem. All you have to do is go to Rakebackftw.com, sign up there and they will help get you set up with Full Tilt Rakeback. If you've had an account with FT for a while, they will make certain your account there gets changed so you are able to get rake back, too.

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Do Distance Learning Degrees Impress Employers?

By Mary Jack

With the technological expansion of the Internet, distance learning degrees have become increasingly popular. With great support facilities and the convenience of online degree programs, parents and workers can still have a family and a job while receiving an education. Unfortunately, the Internet has also provided an avenue for individuals making money by selling bogus degrees over the Internet. In a 2003 report by USA Today, 400 diploma mills are already in operation, with the shameful industry already worth $500 million per year, and the numbers are still rising.

However, despite all of the negative talk about the value of distance learning degrees, many such colleges and universities offer valid online learning degrees and diplomas. The students and instructors are held to the same standard of educational excellence as those in the traditional classroom. The method is simply an alternative for the individuals who may otherwise not have an opportunity to earn a degree. Online courses, online video lectures, test examinations, and even online library facilities ensure the students truly earn their degree in higher education. Unfortunately, many potential employers have heard about the bogus degrees and tend to assume an online degree is of lesser value.

In an effort to change the negative perception, the U.S. National Education Board has established 6 accreditation agencies to evaluate and provide accreditation to the higher learning institutions meeting the minimum criteria for a quality education, thus differentiating between the bogus degree programs. For example, the Distance education and training council provides accreditation for those institutes solely dedicated to online degree programs. The agency is recognized by the U.S. Department of Education and the Council for Higher Education Accreditation.

Other distinguished specialized accreditation agencies exists that are designed to accredit specific course programs. Programs that meet the set standards of excellence are given accreditation by these specialized accredit ting agencies based on area of specialization. A good example of such an accrediting agency is International Association for Management Education (AACSB) which accredits accounting related programs. Also American Health Information Management Association is tasked with accrediting health programs in different colleges. It is worthy to note that all these accreditation agencies have to be recognized by CHEA for them to be considered as legit agencies.

Why should a student be concerned about an educational institutions accreditation? Basically, it is to ensure everyone is receiving the same quality education, whether they are attending classes on campus or seeking distance learning degrees. Before granting accreditation for online degree programs, an agency assesses whether the basic requirements for support, education, and learning facilities are in place. In addition, specialized programs must submit curriculum to be evaluated, based upon the pre-determined standards of the specialty, regardless of the college or university.

Distance learning degrees from accredited institutions assure graduates, parents and prospective employers any degree earned is well deserved. The work completed has met the standards of adequately preparing people in their major area of study. Conversely, it also means colleges and universities not granted accreditation do not meet the standards of excellence required. Nevertheless, for the student who is only taking classes necessary to an area of specialization, only the courses need that all important stamp of approval.

Nevertheless, in the end, it all comes down to the discretion of the employer. He or she must decide whether potential employees have satisfactorily completed an online degree program. Hopefully, with accreditation through a well recognized agency, the confusion can be eliminated, and a valid resume will make it to the short list of excellent candidates with their distance learning degrees as an impressive symbol of fortitude and dedication to personal achievement.

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The Best Ways To Keep Your Woodworking Tools Sharp

By Paul Cameron

There are a number of ways to sharpen your woodworking tools. Most are kept sharp through the use of an abrasive whetstone to wear the metal to a thin cutting edge. The better quality natural stones are higher priced, but you can obtain good results from cheaper, man-made stones. As part of the sharpening, whetstones are lubricated with oil or water to ensure the steel will not overheat and to prevent fine particles of stone and metal from collecting on the coarse surface.

Normally, whetstones are purchased as rectangular blocks - often called bench stones - for sharpening everyday tools or as small knife edges or teardrop section stones for honing gouges and carving chisels. Blades can also be honed on a perfectly flat metal plat that is dusted with abrasive powder.

Oilstones: The majority of man made and natural sharpening stones are lubricated with light oil. Novaculite, often considered to be the finest oilstones on the market, are only found in Arkansas. This compact silica crystal occurs naturally in different grades. The coarse, dappled-gray Soft Arkansas stone eliminates metal quickly and is used for the preliminary shaping of edged tools. The white Hard Arkansas stone puts the honing angle on the cutting edge, which is then polished and refined with the Black Arkansas stone. Even finer is the uncommon translucent variety.

Man-made oilstones are produced from sintered aluminum oxide or silicon carbide. Classified as fine, medium or coarse, man made sharpening stones are considerably less expensive than their natural counterparts.

Waterstones: As it is comparatively friable and soft, a sharpening stone that is lubricated with water cuts quicker than an equivalent oilstone. Fresh abrasive particles are exposed and released continuously while a meta blade is rubbed across the surface of the waterstone. Yet this soft bond also makes a waterstone vulnerable to unintended damage, particularly when honing thin chisels that could score the surface. Naturally occurring waterstones are so high-priced that most suppliers of tools sell just the artificial types, which are practically as effective.

Diamond Stones: Exceedingly strong fine and coarse grade sharpening 'stones' are produced of nickel plated steel plate that is embedded with monocrystalline diamond particles and bonded to a stiff polycarbonate base. These quick-cutting sharpening tools, offered as slender files and bench stones, can be used dry or lubricated with water. Diamond stones will hone steel and carbide tools.

Metal Lapping Plates: Available as alternatives to traditional sharpening stones, oiled steel or cast-iron plates sprinkled with progressively finer bits of silicon carbide turn out a perfectly flat polished back to a plane or chisel blade and razor-sharp cutting edges. For the ultimate cutting edge on steel tools, finish with diamond-grit compound spread on a flat steel plate. Diamond abrasives are also utilized to grind carbide-tipped tools.

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Things To Examine When Considering A Self Storage Facility

By Rommel Rodriguez

There is usually some concern that putting your personal possessions in a self storage warehouse makes it accessible to thieves. This is something that you shouldn't be concerned about because the self storage businesses are very secure.

Here are several things you should examine when it comes to security when you engage a self storage business:

Alarm systems - find out if they have them and if they are monitored by on-site security guards and/or the police at all times. There should be an alarm on your unit as well as for the compound. With these systems in place, it is very difficult for thieves to move inside the premises.

Smoke Alarms - They are vital to self-storage units and can prevent unpredictable disasters. Almost all self-storage units prohibit smoking at their facility since it is a fire risk.

Limited access that functions by demanding all visitors sign their name when they come and go before they can enter the storage facility or actually use a key.

CCTV surveillance cameras that normally are monitored round the clock. Continuous surveillance of the interiors of a warehouse is possible through this system, which can effectively avoid any act of theft or burglary inside the warehouse.

You should be the only individual who is given a key-code or swipe card to gain entrance to your unit. No one should be allowed in without prior permission from you first. Such facilities are ideal for those who desire to store high worth or secret items.

Does anybody watch the units all day and night?

A reinforced unit will be better at preventing theft.

There are a lot of other innovative technologies being utilized by storage companies for better and more secure storage, with their necessity in the industry increasing rapidly. This has ensured that your goods are now more secure than ever before, while the price of using the service is going down very fast.

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Recent Advancements In Brochure Printing

By Jason Clark

Circulating brochures has always been a successful promotion strategy for any business. They can be circulated by hand or by post to clients, or can just be kept on cash counters of retail outlets. As a result, a massive part of the printing services industry has come up to address the needs of this market. Developments like digital technology, graphic design tools, and the internet have greatly transformed the traditional style of brochure printing.

Until just a few years back, computers were rarely used in the brochure printing process, which took many days, working with film negatives or plate-making machines and needed multiple test prints, adjustments etc. Designing too was restricted to a few set formats, and the printers executed the designing job with the customer having almost no say in this respect.

Nowadays, the customer from his office can himself design the brochure and send it online to the printing company, and he also doesn't have to wait for days for the end product to be delivered to him. Technology has progressed far enough to make round the clock printing a reality, enabling any number of prints to be supplied to the client within a day's time.

A critical aspect of brochure printing is that it involves important elements like layout, content, and use of graphics. With the advent of digital technology, printing companies have begun to provide a clutch of advantages to the customers in this area, like high quality colour printing, multiple choices in complicated formats and designs, and smart packages on content-building.

Clients nowadays most of the times prefer full-colour brochures and digital brochures amongst the latest varieties of brochures provided by printing services companies. Such brochures are meant for distribution for medium or extended time spans. But when it comes to brochure circulation in huge numbers, but for a restricted time span, then dazzling but brief brochures that undergo a short print run are the most suitable for the purpose. The traditional technique of off-set printing is still most appropriate for such brochures, as multiple prints within minimum time is possible, though making of brochures takes more time in this kind of printing.

Alongside the improvement in the standard of printing, ancillary services are now provided by most brochure printing firms as well. These include circulation, direct mailing, designing, and a lot more.

The internet has greatly altered the scenario, with customers now visiting websites of printing firms and placing online orders after choosing designs and colour schemes from the comfort of their desk. Thus, brochure printing has witnessed ground-breaking alterations in recent times, and the possibilities of further change seem to be endless.

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Small Chicken Coop - Tips & Suggestions

By Dana Goldberg

If you are considering keeping poultry for food or eggs, you may have thought about the food they will need more than where they will stay. Finding chicken coop building plans and assembling a safe and nurturing place for your flock to live can be a great start to ensuring a healthy and productive flock that meets your family's dietary needs.

Whether you want to keep your birds for the eggs they lay or as a supply of fresh, chemical free meat the choice is yours. Poultry can also help with the recycling of food scraps since they will quite happily eat any food that they can swallow. They love catching and eating flies and other insects and can be a great way to naturally keep mosquito and fly populations under control.

A good coop can mean a happy and contented flock. They prefer a sheltered area where they can sleep and need protection from inclement weather. This is especially important if you live in colder climates since the birds will need a place to go when the temperature begins to drop. Hens prefer to lay in a nest where they have some privacy and roosting on perches is an important part of their natural behavior.

You need to think about where you will be positioning your coop. Remember that you will not only need space for the structure itself but for a run as well. This is an area where the birds can move around. They have access to fresh air, the ability to exercise and access to stones and insects which form an integral part of the free range diet.

The size of the coop is important so you need to think about the approximate number of chickens you will keep. A good rule of thumb is to allow for approximately 4.5 square feet of space per chicken. When building nesting areas, consider that you should allow three nests for every eight birds. You also need to allow perching space and a thick layer of shavings or litter on the floor. Nine inches of perch per bird is more than adequate.

The chicken coop building plans you pick should also be well ventilated. There is a difference between insulating a coop and making it too stuffy and closed in. An airy coop can help keep the chance of disease at lower levels. Cleanliness is also key to keeping your birds healthy. You want to make sure that you can access the coop via a door in order to clean the coop fully. A door which opens inward is the most optimal choice.

A good coop building plan can create a comfortable living space for your flock. You will find that your birds are going to be more contented and productive if they have the right environment to live in.

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Health and Happiness Through Chakra Balancing!

By Jonathan Benjem

In this technology obsessed society we live in, most people have simply forgotten about the existence and importance of a spiritual being inside their physical being.

Conversely, the Hindu idea of life has kept alive the practice of spiritual-healing despite the developments in science and technology.

Our body has seven primary Chakras and also many thousands of secondary ones. Chakra, is a Sanskrit word which means Wheel of Light, and these light wheels or Chakras, are in a stable state of rotation and vibration in a healthy body.

If the charkas become unbalanced, then this will result in an imbalance in the overall healthy performance of the body. As a result, Chakra Balancing is essential to a healthy body, mind, and soul.

Chakras are Entry Gates of the Aura and the centers of activity that receives, assimilates and expresses life-force energy. Located along the central line of the body from the base of the spine to the top of the head the seven main Chakras absorb and transmit energies to and from the universe, nature, celestial entities, and even from people.

What distorts Chakra Balancing?

If there is a blockage in one or more of the Chakras, the energy does not flow properly through them, and then ultimately the result will be an imbalance among the Chakras that result in problems in all areas of life.

The correct functioning of the Chakras can distort due to a number of factors, like bad health, stress, unbalanced diet, toxicity, not enough exercise, repressing emotions, untrue beliefs, detachment from a higher power, childhood traumas, cultural conditioning and emotional traumas, etc.

Chakra Balancing Key to Health and Happiness

The normal harmonious functioning of Chakras is a utopian idea. So humans have always attempted to correct this distortion and strike a fine balance among these Chakras. The concept of self-healing is also based on Chakra balancing.

Chakras influence our body shape, glandular processes, chronic physical ailments, thoughts, and behavior. Chakra balancing ensures that these parameters all work towards the goal of a healthy body, mind, and soul.

The benefits of Chakra Balancing include:

* General happiness and inner peace in body

* Physical health and vitality

* Consciousness and being in touch with ones body

* Sexually comfortable life without getting partial by lust

* Awareness of ones feelings at the ethereal level

* Improved capacity to attract and express love in ones life

* Speedy spiritual growth and development

* Religious healing with higher ways of realization, attentiveness, and acceptance

* A kind and affectionate heart

* Wonderful confidence levels, but short of being over-confident

* Understanding of the True Self

How do you achieve Chakra Balancing?

Chakra Balancing in ones body can be achieved by employing different techniques. Primarily, you can use one or more of the following techniques in order to harmonize the Chakra functioning in your body:

* Therapeutic Therapies for example Reiki,

* Yoga (with breathing exercises) and/or Meditation sessions

* Physical exercise

* Color/Light Therapy

* Crystals and Gems

* Balancing by using Hands and Pendulums.

* Aromatherapy

* Feeling Therapy

* Positive Thinking

* Sound Frequencies

* Affirmations, using Hypnosis, etc.

Our body is a store house of energy, in which the used energy is disposed of by the body organs, and refilled, with a new supply of energy.

Chakra balancing ensures that this energy is gained and utilized by the body optimally, and all vital organs and body cells get their fair share of this energy.

In this condition of optimization, inner peace, happiness and general feeling of well being occurs. Chakra Balancing is merely bringing the Chakras back to their normal state of vibration and frequency.

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Options for Corporate Energy Efficiency

By John Gerace, PhD, PE

There are several rankings and benchmarks for corporate energy efficiency and corporations can perform an energy audit to see where they can improve with their energy usage. Corporations should look into how many kilowatts they use per square foot and how much gas or BTUs are used per square foot. Each country will have average values and recommended values for being efficient.

If you are looking to improve your company's energy usage you can look into the different products available as each vendor will have information about its products' energy consumption. For example, glass companies will provide information on their products' solar heat gain and U-value, and so on.

Many more corporations are creating positions that deal specifically with energy management and many times there is compensation or benefits for those corporations that have good energy performance. There are several different ways in which corporations can make changes to their energy usage and ultimately enjoy big energy savings.

You want to make sure that your building is properly maintained as this keeps it running as efficiently as possible. Small changes can actually cause big changes in energy consumption. One such example is not running the air conditioning at night if no one is in the building. Also you can go through a retro-commissioning process to get your building back to its original state.

Steam systems are frequently an issue with energy usage as they are not maintained well. Steam traps tend to be used to deal with condensation but these can easily become stuck open and transfer the steam back into the boiler. This wastes a lot of heat as the steam goes back into the system and does not heat the building. You need to make sure these are replaced regularly and maintained well.

You also want to optimize your HVAC systems and these can account for 20 percent or more of all energy used in a building. And lastly, you might want to look into thermal energy storage or heat recovery options.

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Becoming Professional With Your Bridal

By Sally Wong

A wedding is the kind of occasion that people want to display pictures of for years to come. Guaranteeing quality and highly skilled photography is something every bride and groom wants. If you are a photographer you might want to consider photographing weddings because there is a lot of money to be made by doing them. With the money comes the risk which you must manage well.

If this is going to be your first wedding shoot you will want to make sure your contract is written up properly and a disclaimer included in it. A disclaimer is something that can prevent you from being sued later on. For example, you should include that you are not responsible for pictures that might get lost after you send the film away to get developed, or pictures that do not come out clear due to equipment failure. You do not want to be sued for breaching your contract.

Now with that said you should also include how many pictures are to be taken and how long you will be photographing for and what hourly rate will be. Include how much the cost of development is and the cost of the album. Make sure you discuss with your clients what their requirements are. They might want a certain person or family they would like pictures of since they don't get to see them often, so that should be discussed as well if it is an issue.

Your clients will probably request certain photographs so make sure you make a list. Generally your clients will want pictures of the pre-ceremony, wedding ceremony, post-ceremony and of course the reception. Discuss with the clients about which shots they want and who's going to be in the pictures. Pay attention to what your clients are saying because each one will be different.

When you schedule your clients in make sure they pay you a deposit. Fifty percent is reasonable to ask for an up front booking fee. This will make sure you are covered in the event of a cancellation. You should set a date when the remaining amount will be paid because you do not want to be bothering the bride and groom during the reception for payment! It would look very unprofessional if you did.

If you are developing your client's pictures yourself, Photoshop is an excellent photo editing program. Flaw removal, montage, and changing the color are a few of the enhancements you can use with Photoshop.

Look for ways to add extra value that you have not told them about. This will always generate good feelings. A special surprise will keep everyone talking and generating more business for you in the future. Think different. Imagine for example if you uploaded all their pictures onto a password protected part of your website so that they and their friends can login and view.

At the end of the day doing wedding photography can be a lot of fun and you can make good money at it. You may have to take your people skills to the next level but the financial returns will be worth it.

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With Bankruptcy You Can Save Your Home

By Larry Leeds

The American dream, as we all know, is owning our own home. This is a very important investment, one where we see our children grow up and where we enjoy so many family moments. The dream is built. Is is not merely an investment, but is where we reside, and where our joys flourish. A place to call home, relax, kick up our feet, lay our heads. At all cost it is something you want to protect.

Shame of filing bankruptcy is what many of us endure, when poor credit, overwhelming debt, businesses collapsing, poor investments and financial decisions knock on our doors. People by the many believe a question raised scares them, "Will I lose my home when I file for bankruptcy? Saving the home seems out of the question, while not out of the question is the guilt that is raised when they think of their family's future and all the overwhelming burdens.

You will be pleased to learn that it is not out of the question to save your home and you can do this successfully when filing for bankruptcy. "How is that possible?" you may ponder. "Bankruptcy won't put my home at a risk?" In an effort to save their homes from reaching foreclosure, many people will file for bankruptcy. With Chapter 13 bankruptcy filing, a good chance will be that you will be able to keep your home, yet still be required to continue with mortgage payments as well as paying back payments if any were missed.

How much equity you have in your home is the first thing you must figure out. Once you do analyze your home's current worth, subtract what you still owe from that amount. That will decipher your equity amount. If your house is worth $200,000, for example, and you have $185,000 of mortgage loans still owed, $15,000 would be your home equity.

If you have less than $18,450 in equity, as this is the current federal homestead exemption, you may be able to keep it. A risk of losing your home may occur you have more than this exemption amount. As stated earlier, first check your home's worth, the amount of equity, and then you should proceed with filing for bankruptcy. You may be able to keep your home, this is not out of the question, and experienced bankruptcy attorneys, once you have your papers in order and retain them, would be the best step you can take.

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