Personal training ( blank ) An understanding ? Genius Articles Hub

You could agree with the fact which promotion will be the lifetime blood stream of a typical small business project. So that they are qualified to produce profits as well as income individuals got to know essentials like, what you are as well as just what a person?s giving is. Regardless how effective your product or service will be, it can be worthless until you are capable of make knowledge and fascination. Your health market very features became aware the following and thus we currently visit a better endeavours when it comes to advertising.

If you?re an health and fitness trainer or maybe the owner of any gym you can try available distinct marketing techniques so that you can use all of the probable of this small business.

Fitness marketing Versus Advertising
The single most points you need to comprehend at the start is the distinction between personal training along with promotion. This can be a popular notion that will promotion implies promoting. However of which advertising is just one there are lots of instruments regarding fitness marketing.

Therefore even though this kind of well-known advertising cars or trucks such as advertisings around newspapers as well as publications look really appealing propositions, you ought to look at a couple of vital issues. These are:

The high expenses associated with setting paper adverts &
How helpful these kinds of advertising is usually, seeing that people today tend not to pick a personal trainer via paper advertisements!

This is when personal training will come in.

What the heck is Personal trainer?

Fitness marketing may perhaps as a result possibly be defined as precisely what you can apply for you to hold on to current clients though developing new customers while doing so. So if you match any probability along with talk with the puppy for some time concerning the persons exercise requirements, you?re experiencing promoting even if you might or might not nearby the deal then and then there.

Even though see your face would not retain the services of anyone or some other fitness instructor, he might propose you to one of the associates! This is a continuing selling point of a marketing and advertising effort.

Several Fitness marketing Equipment

Many of the common fitness marketing methods that literally brings anyone helpful outcomes are:

Focus:

You will excel to learn this during this day and age there?s not several takers for a ?Jack of all trades?. Health is definitely diverse and it?s not possible for an individual to realize know-how out of all offices regarding conditioning teaching. So you can build a specialized niche for your self inside health world.

You can do this by simply training only adult males as well as exclusively women of all ages, delivering repair services to help sportspersons, predicting oneself since the legend of weight-loss or perhaps exercising just those that construct muscular tissues.

Keep in mind that you are seeking to always be termed as a ?expert? in the selected arena. This could really assist you to attract buyers within a constant flow.

World wide web:

Online is most likely the best method for your fitness marketing endeavours. Start away from by simply owning dating profiles for different social networks which you could advertise your solutions. An additional step could possibly be to produce a fanatical website. By your site you possibly can concern news letters, write reports or just highlight the use of your system.

Now that you know an affordable touch about marketing and advertising as well as its added benefits, you?ll be able to count on finding the most from this for your business enterprise.

Read additional information on marketing personal training and get critical info relating to personal trainer business cards at this good web page.

Source: http://geniusarticleshub.co.cc/personal-training-blank-an-understanding/?utm_source=rss&utm_medium=rss&utm_campaign=personal-training-blank-an-understanding

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Solar Panel Systems, Energy Efficiency and Your Home

Reducing ???r Electric Bill w?th a Solar Panel System & Renewable Energy

Using a solar panel, wind turbine ?r ?th?r renewable energy system t? produce electricity ?n? reduce ???r electric bill ??n b? a sound long-term investment. Depending ?n th? type ?f technology, ??? ??n expect a full return ?n ???r investment within 3 t? 18 years. W?th financial ?r tax rebates fr?m ???r utility company ?r state ?n? national government, th? payback period ?n ???r investment ??n b? ??t ?n half.

H?w???r, th? very first step t? considering ?n? renewable energy system m??t b? h?w t? m?k? ???r home ?r business more energy efficient. Generally, th? basic rule ?? th?t f?r ???r? $1 ??? spend ?n m?k?n? ???r location more energy efficient, ??? save $3 t? $5 ?n th? cost ?f th? solar panel ?r wind turbine energy system. L?t?s ?? over ??m? basic ways ??? ??n m?k? ???r home more energy efficient.

M?k?n? Y??r Home Energy Efficient

One ?f th? easiest things th?t ??? ??n ?? t? reduce ???r electrical consumption ?? change out ???r regular incandescent light bulbs t? compact fluorescent lamps (CFLs). CFLs ??? 65 t? 75% less energy th?n a normal light bulb th?t produces th? same amount ?f light. B? replacing a normal 100 watt incandescent light bulb w?th a 32 watt CFL, ??? w??? save $60 t? $80 ?n electricity costs over th? lifetime ?f th?t bulb (10,000 hours). Now imagine h?w much ??? w???? save ?f ??? changed out ??? ?f ???r light bulbs t? CFLs!

Th? technology f?r th??? bulbs h?? quickly evolved ?n? improved ?n th? last few years, wh??? th? cost h?? come down dramatically. Y???ll find th?t th?r? ?r? CFLs th?t w??? now fit m??t light fixtures ?n? lighting needs-th?r? ?r? even dimmable CFLs!. Head out t? ???r local department ?r hardware store ?n? b?? CFLs f?r ?? many ?f ???r light fixtures ?? possible. Th? investment ?? well worth ?t.

Another alternative t? traditional lights ?r? tubular skylights . Tubular skylights look a ??tt?? ??k? shiny stove pipes th?t ?t?rt w?th a transparent dome ?n top ?f th? roof ?n? come down ?nt? ??m? room f?r day lighting. W? frequently see customers using tubular skylights t? bring daylight ?nt? hallways ?n? closets. Th? light ??, ?f course, entirely natural ?n? ?n ??m? installations ??n provide ?? much illumination ?? a 100-Watt incandescent light bulb.

Energy Star ?n? EnergyGuide

One ?f th? b?????t consumers ?f electricity ?n m??t households ?? th? refrigerator. In m??t households, refrigeration ?? th? number one electricity consumer ?ft?r ?n? electricity-based heating ?r cooling systems. If ???r refrigerator ?? over 10 years ???, chances ?r? ?t?s electrically very inefficient. Consider replacing ???r current refrigerator w?th one th?t h?? a high Energy Star rating. Remember th?t ???t b?????? a refrigerator m?? h??? earned th? Energy Star ??b?? doesn?t mean ?t?s th? m??t efficient model available-?t ?n?? means th?t ?t? efficiency exceeds th? federally mandated efficiency standard b? ?t ????t 15%. Y?? ??n even ?? much ?f ???r investigation online ?t th? Energy Star website. Th?r? ??? ??n search f?r th? brand, type ?n? size ?f refrigerator ??? want ?n? sort b? energy efficiency. Wh?n ??? shop ?n stores, consult th? yellow EnergyGuide tags th?t ?r? attached t? ??? n?w refrigerators (?n? many ?th?r appliances). EnergyGuide ?? a different government program fr?m Energy Star th?t offers information ?b??t annual energy consumption ?n? shows ??? wh?r? each model lands ?n a comparison w?th similar models. F?r maximum energy savings, select th? model th?t?s a leader ?n efficiency ?n ?t? class.

Ghost Loads

A??? known ?? ?phantom loads?, ghost loads ?r? th? sneaky devices th?t constantly consume small amounts ?f electricity 24 hours a day-even wh?n th???re n?t actually doing anything useful. Wh??? each device b? itself m?? n?t consume much electricity, th? combination ?f ??? ?f th?m within ???r household m?? easily consume th? equivalent ?f two ?r three 60-Watt incandescent light bulbs left ?n ??? day ?n? ??? night. Over th? course ?f a single year th?? adds up t? over 1 Megawatt-hour-?n ?th?r words, enough electricity t? power ?n entire energy-efficient house f?r 2 t? 3 months!

Wh?t ?r? th??? mysterious ghost loads? Th? m??t common examples ?r? th? ?power brick? adapters, ?r power supplies, th?t charge ?r operate cell phones, laptop computers, cordless drills, answering machines, radios, inkjet printers, ?n? many ?th?r household devices. Th???re actually small transformers, turning AC electricity fr?m th? wall outlet ?nt? DC electricity f?r ??? b? th? device. Wh??? ?n? one ?f th??? devices m?? ?n?? consume a small amount ?f power (e.g., 3-20 watts), a dozen ?r ?? ?f th?m, running simultaneously ?n? continuously, consume a significant amount ?f electricity. Wh?t?s worse ?? th?t even wh?n ????re n?t charging ???r cell phone ?r th? battery f?r ???r cordless drill, th?t AC adapter m?? continue t? consume power ???t b?????? ?t?s plugged ?nt? th? wall. Oth?r well-disguised ghost loads ?r? those devices wh??h h??? th? ?instant ?n? feature, such ?? m??t modern television sets, VCRs, DVD players, many radios ?n? even many computers. Wh??? ??? ?f th??? devices ?r? supposedly turned ?ff, th?? ?r? actually consuming anywhere fr?m 3 t? 20 watts continuously-???t t? stay ready f?r ??? t? ??? th?m.

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H?w ??n ??? decrease th? consumption ?f energy b? th??? parasitic loads? One ?f th? simplest solutions ?? t? simply plug th??? devices ?nt? a power strip wh??h h?? ?n ?ff/?n switch. Wh?n ??? ?r? done using th? devices ?n? shut th?m ?ff normally, th?n ???t hit th? ?ff switch ?n th? power strip. Many people m?k? ?t ??rt ?f th??r nightly routine t? shut ?ff th??? power strips ???t before th?? ?? t? bed. F?r AC power adapters th?t ??? ??? ?t night, ??k? f?r charging a cell phone, ??t those ?n a separate power strip th?t ??? turn ?ff during th? day wh?n ??? take ???r phone w?th ???. Simple solutions ??k? th??? ????? reduce ???r ghost electric loads b? ?? much ?? 80%. In real-dollars terms, th?? means saving upwards ?f $120 per year ?n electricity costs, depending ?n ???r local electric utility rates ?n? h?w dedicated ??? ?r? t? reducing ???r ghost loads.

A Special Note f?r People Wh? ?r? P??nn?n? t? Live Off-grid

If ????re ???nn?n? t? ??? ?n ?ff-grid solar panel, wind turbine ?r hydro electric system ?n? ???n t? h??? a 12 ?r 24 volt battery bank, ??? w??? ?ft?n b? ?b?? t? find devices ?n? appliances th?t work directly w?th th??? DC voltages. Th? benefit t? using th? devices ?? th?t th?? w??? n?t need ?n AC power adapter wh??h needlessly consumes electricity whether ?r n?t th? device ?n ???. Aft?r ???, wh?t ?n AC adapter plug ???? ?? convert normal AC household electricity t? DC type ?f electricity t? power th? device, ?n? ?t rarely ???? th?t conversion efficiently.

Energy Efficient Cooling

During th? summer (?n? ?n warmer climates) air conditioning ?? frequently th? ??r???t consumer ?f electricity. An inexpensive way t? reduce th? demand ?n ???r air conditioner ?? t? keep ???r attic ?????r w?th a solar attic fan. Powered b? a built-?n solar panel, solar attic fans turn ?n wh?n ???r attic warms up during th? day. B? venting th? hot air out ?f ???r attic ??? day long, th? floors below stay ?????r ?n? ?? a result ???r air conditioner runs significantly less.

Solar attic fans ??n b? installed b? ???? ??-?t-yourselfers ?r carpenters. Th?? require n? wiring. A hole needs t? b? ??t ?n th? roof, th? attic fan ?? slipped ?n ?n? th? edges ?r? sealed up well w?th roof caulking. Th? solar panel built ?nt? th? fan unit ?? designed t? last ?t ????t 25 years. A solar attic fan ?? another wise investment th?t pays f?r itself very quickly.

F?r people wh? live ?n zones th?t ?r? relatively dry b?t hot, evaporative coolers (???? known ?? swamp coolers) ?r? a cost effective ?n? energy efficient alternative t? traditional air conditioners. Evaporative coolers ??? ?b??t 25% th? energy ?n air conditioner w???? need. Unfortunately, m??t people live ?n climates th?t wh?n ?t?s hot ?t ?? ???? relatively humid. In th??? conditions evaporative coolers won?t work effectively.

Another simple ?n? green method f?r reducing ???r home?s air conditioning costs ?? t? plant deciduous trees whose leaves w??? shade ???r home ?n th? summer time ?n? shed ?t? leaves f?r more sunlight ?n th? winter time. B? shading ???r home ?t heats up less, ?n? therefore requires less cooling b? ?n air conditioner. Planting a tree ?n th?? scenario h?? double th? environmental impact, ????re reducing greenhouse gases b? both using less electricity ?n? b?????? th? tree itself absorbs carbon dioxide.

Energy Efficiency ?n? Household Appliances

Many ?th?r appliances throughout ???r household w??? h??? a newer ?n? significantly more energy efficient version available. Here ?? a short list ?f ?th?r appliances ??? ?h???? consider replacing w?th higher efficiency versions: water heating tanks, air conditioners, dehumidifiers, dishwashers, telephones, VCRs ?n? DVDs, ceiling fans, fax machines, computers ?n? copiers. T? see wh??h brands ?n? models h??? Energy Star certification ?n? t? figure wh??h ones ?f those ?r? th? m??t efficient, visit Energy Star?s website: www.EnergyStar.gov. T? find out h?w much power ???r appliances ?r? really consuming, invest ?n ?n inexpensive power meter ??k? th? K???-A-Watt meter.

F?r many households th? b?????t bill ?? th? heating bill. Probably th? q???k??t, ????t expensive ?n? easiest way t? reduce ???r heating bill ?? t? b?? a programmable thermostat. Y?? ??n set th??? thermostats t? turn ?ff th? heat automatically wh?n ????re n?t home ?n? turn ?t ?n ???t before ??? arrive. Y?? w??? easily recoup ???r small investment ?n th? n?w thermostat within one winter b? running ???r heating system less. See ???r local hardware store ?r HVAC company f?r pricing ?n? availability ?f different models.

Another basic step t? reducing ???r home heating bill ?? sealing air leaks ?n? adding insulation. According t? Energy Star sealing air leaks ?n? adding insulation ??n reduce ???r heating bill b? ?? much ?? 10%. F?r homes w?th attics, one ?f th? easiest ?n? m??t effective places t? ??t down insulation ?? ?n th? attic. Visit ???r local home improvement store t? find out h?w much insulation ?n different areas ?f th? home ?? recommended f?r ???r region.

In th? last few years, th? ??? ?f solar air heating systems h?? become more ??????r. Mounted ?n ?n exterior, southern-facing wall ?r ?n th? roof, solar air heating collectors ??n reduce a home?s ?r business? annual heating costs b? ?? much ?? 30%. Costing far less th?n a n?w conventional heating system, solar air heating systems usually pay f?r themselves ?n 3-6 years. Th???ll typically last f?r 18 t? 35 years ?n? require minimal maintenance. Working ?n conjunction w?th ???r existing heating system, th? solar air heating system simply reduces ???r heating demand whenever ??? h??? even partial sunlight.

Th?r? ?r? two basic flavors ?f solar air heating systems. Th?r? ?r? ones th?t heat up fresh outdoor air ?n? blow ?t ?nt? ???r home ?r business. Th? th?r? ?r? ones th?t take th? air fr?m inside ???r building boosts up th? temperature b? another 50 t? 90 degrees fahrenheit ?n? blows ?t back ?n (known ?? recirculating air solar heating systems). Newer homes ?n? buildings wh??h tend t? b? tightly sealed ?n? h??? stale winter air w??? benefit doubly fr?m th? fresh air solar heaters. Older homes tend t? b? inherently draftier ?n? experience full air exchanges w?th th? outdoors a few times a day. Th??? homes w??? benefit more fr?m th? solar air heating systems th?t recirculate th? indoor air ?n? boost ?t up ?n temperature. Typically, one 4?8 foot solar air collector ?? recommended per 750 t? 1000 square feet ?f home space.

Water Heating Efficiency

More efficient models ?f domestic hot water heaters h??? ???? become available ?n th? last several years. If ??? h??? ?n ??? hot water heater, chances ?r? th?t ?t w?? n?t designed w?th efficiency ?n mind. Again, check out Energy Star?s website? t? find out wh??h boilers ?r? th? m??t efficient.

Another ???? alternative t? th? traditional hot water heating tanks ?r? instantaneous hot water heaters. Th??? systems heat th? water ?n?? wh?n ?t? being used. Normal water heating systems used ?n much ?f North America maintain a large tank ?f hot water t? b? used ?n?? a few times a day. T? keep th? water hot ?n? ready ?t a moment?s notice th??? traditional hot water heating tanks consume energy throughout th? entire day, whether ??? need ?t ?r n?t. Instantaneous water heaters ?n?? consume energy th? moment ??? need th? hot water, saving th? typical household 30 t? 50% ?f th? cost ?f hot water heating. Y?? ??n find instantaneous water heaters th?t ??? natural gas, propane ?n? electricity fr?m a variety ?f manufacturers.

Solar Water Heating Provides Y?? th? Best Return ?n Y??r Investment

Th? energy (natural gas, propane, electricity, etc) needed f?r hot water heating ??n b? reduced b? 60 t? 90% b? using a solar water heating system t? pre-heat water before ?t enters ???r existing traditional water heater. Remarkably effective ?n? efficient, even ?n northern climates, solar water heating technologies h??? matured significantly ?n th? past 30 years. Designed t? easily last 30 years ?r more w?th minimum maintenance, typically solar water heating system w??? pay f?r itself ?n ?t? first 3-7 years ?f ???. Solar water heating systems heat ???r home?s water w?th collectors th?t ?r? usually placed ?n th? roof ?f th? home. Th? hot water produced ?? stored ?n ?n insulated tank until ???r home ?? ready t? ??? ?t. Y??r traditional hot water w??? ?n?? kick ?n t? heat up th? water wh?n th? water temperature ?? n?t quite high enough. Solar water heating systems ??n b? installed b? advanced ??-?t-yourselfers, b?t ?t ?? recommended th?t a licensed plumber ?r installer review ?r ?? th? more complicated plumbing.

Energy Efficiency ? Y??r First Step Towards C???n Energy ?n? Energy Independence

Th? first step before purchasing a solar electric ?r wind power system t? meet ???r electricity needs ?? t? intelligently reduce those needs. M??t homes ??n inexpensively reduce th??r electricity demands b? 20 t? 30% without ???r having t? m?k? ?n? adjustments ?n th? lifestyles ?f th? occupants. W? provided ??? w?th many energy saving tips ?n th?? article, such ??:

Replacing incandescent light bulbs w?th compact fluorescent ones.
Upgrading ???r older appliances w?th EnergyStar star ones th?t h??? a very low annual energy consumption rating.
Minimize th? many hidden phantom (ghost) loads ?n ???r house.
Insulate ???r home well f?r ?????r seasons.
Creatively ??? vegetation t? keep ???r home ???? ?n th? summer ?n? maximize sunshine entering th? house ?n th? winter.
U?? solar heating technologies (n?t t? b? confused w?th solar electric technologies) t? cost effectively reduce h?w much ???r traditional air ?r water heating systems h??? t? work.

Th?r? ?r? literally hundreds ?f ?th?r ??tt?? tricks ?n? smart tweaks ??? ??n m?k? t? ???r home th?t w??? further reduce ???r electrical demands. Consider picking up a copy ?f th? book ?10-Minute Energy-Saving Secrets ? 250 Easy Ways t? Save B?? Bucks Year Round? b? Jerri Farris t? learn ?f many ?f th? ?th?r q???k ?n? easy ways t? reduce ???r home?s consumption ?f energy.

? 2009 altE?Store, Inc ? ?M?k?n? Renewable D?-?b????

Sascha Deri ? Ab??t th? Author:

F?r more information ?n solar panel, wind turbine ?n? renewable energy systems designed f?r DIY?ers, visit th? altE? Store ?t www.altEstore.com. T? view more free articles ?n? webinars ?n solar power, wind power ?n? renewable energy systems visit th? altE U. Th? altE U ???? offers live workshops f?r th? green energy enthusiast, D?-It-Yourselfers? ?n? up ?n? coming professional photovoltaic system installers wanting t? become NABCEP certified.

Source: http://www.articlesbase.com/diy-articles/solar-panel-systems-energy-efficiency-?n?-???r-home-911399.html

Tags: Efficiency, Energy, Home, Panel, Solar, Systems

Source: http://www.daricawebtasarim.com/2011/05/solar-panel-systems-energy-efficiency-and-your-home.html

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Voucher Codes to Help You Save, Shopping And Product Reviews - MooJos

· Posted in Shopping And Product Reviews · Article Author: Shopping-and-Product-Reviews Articles from EzineArticles.com -->

In today's hard times, everyone is looking to save a few extra dollars. With voucher codes, you can start to do just that without missing out on the fun things in life. Many people that use these voucher codes have a family and are looking for ways to still have fun family outings without breaking the bank or having to dip into the family savings. This can now be possible with these voucher codes that work like a coupon to offer you discounts on products that you use often or for a family holiday close by or somewhere outside of the country.

Shopping And Product Reviews - Voucher Codes to Help You Save - More Site Articles Useful References

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AT&T announces first LTE cities, still no LTE phones

AT&T LTE

AT&T has finally taken the first steps toward building out their LTE network, starting with five large, metropolitan cities, starting this summer. AT&T's LTE rollout will be in:

  • Dallas
  • Houston
  • Chicago
  • Atlanta
  • San Antonio

AT&T also says it plans on adding 10 or more markets in the second half of 2011, covering 70 million people by year's end. In regards to not having any LTE devices, AT&T says:

We also have plans to add 20 4G devices to our robust device portfolio this year, with some of those being LTE capable.

Are there any AT&T users in these markets looking forward to some blazing fast LTE? Shout out your thoughts, we're always listening.

Source: AT&T


Source: http://feedproxy.google.com/~r/androidcentral/~3/2JdHr4FCZOI/att-announced-first-lte-cities-still-no-lte-phones

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Homemade Jewerly - Creating The Right Ensemble

[unable to retrieve full-text content]People make homemade jewelry for a lot of different reasons. One of the main reasons though is because they have an outfit and they need the right jewelry to finish the ensemble off. While this is a great reason, there are a few things you want to consider in order to accomplish this goal the right way.

Source: http://ezinearticles.com/6300070

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iSend Worldwide Payment Services Expands International Business ...

Posted on | May 26, 2011 | No Comments

iSend Worldwide Payment Services Expands International Business through Acquisition of Aryty













iSend Worldwide

Watertown, CT. (PRWEB) January 19, 2011

Making it easier for U.S.-based consumers to send mobile phone credit to friends and families overseas, worldwide payment services leader iSend LLC today announced its acquisition of Aryty.com, which specializes in mobile phone recharge throughout Latin America, the Caribbean, India and the Philippines.

With this acquisition, iSend now offers the ability to ?top-up? or add phone minutes online and through mobile phones in addition to its in-person service at more than 40,000 U.S. retail locations. This safe and economical service allows consumers to deliver real-time phone minutes to friends and family across the globe. In addition, iSend provides international bill payment and international gift cards electronically from the United States to Mexico, Central and South America, the Caribbean and the Philippines.

?As our economy becomes more global, it is important for consumers living away from home in the United States to have secure and convenient ways to stay connected with family back home,? said Steve LaBella, president and CEO of iSend. ?This acquisition allows iSend to significantly expand its services, allowing consumers more choices of how to send money with a purpose, our mission at iSend.?

?We thought that iSend?s broad international reach and leadership in international payments was the perfect fit for our company,? said Aryty CEO Nils Johnson. ?iSend?s established overseas market reach allows for a more broad distribution of the Aryty service and we are excited to see Aryty?s future success in these markets.?

Terms of the deal were not disclosed.

About Aryty

A text message abbreviation of ?all righty,? Aryty allows consumers to easily send prepaid mobile phone credit to friends and families overseas through their cell phone or online at http://www.aryty.com. With Aryty.com, recharge load can be sent to nineteen countries including; Barbados, Brazil, Colombia, Dominican Republic, El Salvador, Grenada, Guatemala, Haiti, Honduras, India, Jamaica, Mexico, Montserrat, Nicaragua, the Philippines, St. Kitts, St. Lucia, St. Vincent and Trinidad and Tobago. For more information, please visit http://www.aryty.com, http://www.facebook.com/arytyrecharge or http://www.twitter.com/aryty

About iSend

iSend LLC is a leading provider of international electronic payments from the United States to Mexico, Central and South America, the Caribbean and the Philippines. iSend services provide U.S. based consumers a secure, convenient and economical solution to directly pay bills, recharge cellular phones and purchase gift cards for family members in their home countries through more than 40,000 retail partner locations. For more information, please visit http://www.isendworldwide.com.

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The Pros And Cons Of Buying A Co-Op Home In Maryland | The Real ...

When looking to buy a home, you have a number of options. You can buy a detached home with plenty of room for lawns, gardens, and a child?s play area; or you can buy a condo, which has little or no ?green? space. Other alternatives include townhouses that, when it comes to ?green space?, sit between a detached home and a condo. One option that has appealed to buyers over the years is to buy into a cooperative housing estate. This is a different form of ownership as you don?t own the home. You own a share in the cooperative and the rights to live in a particular home in that co-op.

There are a lot of positives to this style of living. There is a real community style of living, the maintenance costs of the surrounds are covered by the cooperative, and you get to have a say in the running of the community. One of the oldest cooperative housing communities in the country is the Greenbelt Co-Op in Maryland. This is a community of 1600 homes ranging in size from 1 to 4 bedrooms ? it includes town houses and detached homes and is a real community.

While this form of living suits many, there are several downsides to living in a co-op. Mortgage finance can be difficult since you are not buying a brick-and-mortar building ? you are buying a share of the whole establishment.? If you do get mortgage financing, getting home equity financing down the track is almost impossible ? I say almost since most lenders will not even look at you unless you have at least 25% equity.

Other considerations include living to a set of rules, even though those rules have been introduced by the community, and having to meet certain eligibility criteria before the community will let you buy. Having said all that, in an area like Greenbelt, if you can get in, and the home suits your needs, you will most likely not regret the decision. Just be sure to go into a co-op home purchase with your eyes wide open. This is definitely a different form of real estate investment than your standard suburban home.

Related posts:

  1. Pros and Cons of Fixed and ARMs
  2. Home Buying in Maryland: Be Honest!
  3. One Useful Resource For Maryland Home Buying
  4. Financing for Buying into a Condo in Maryland
  5. Virginia And Maryland Housing Markets Flat

Source: http://www.realestatebriefings.com/home-buying/proscons-buyingcoop-maryland/

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Agribusiness Investing: Are Coffee Investors Toasting to Goldman ...

Scottrade: $7 Online Trades. Real-Time Stock Quotes

On Tuesday, Goldman Sachs (NYSE:GS) announced that it is turning ?more bullish? on raw materials (NYSE:XLB).? Although the Dow (NYSE:DIA) and S&P 500 (NYSE:SPY) closed lower, commodities (NYSE:RJA) saw an instant boost on the news.? Oil (NYSE:USO) closed higher to $99.52, gold (NYSE:GLD) is nearing $1525, and silver (NYSE:SLV)?finally broke through $36.? With the recent volatility in commodities, let?s look at the action involving the most important morning commodity, coffee (NYSE:JO).

Jeff Currie, head of the London GS commodity research team, said ?The risk and reward once again favors being long commodities.?? He also went on to explain, ?Economic growth will likely be sufficient to tighten key supply-constrained markets in the second half, leading to higher prices.? For coffee drinkers, higher prices are already here.? The J.M. Smucker Company (NYSE:SJM) just raised coffee prices for the fourth time in a year.? The average price hike is 11%, which is also the biggest hike in a year.? The price hikes will affect brands such as Folgers and Dunkin? Donuts.? Other companies such as competitor Kraft (NYSE:KFT) have also increased coffee prices recently.? Back on March 17th, Kraft raised prices on its Maxwell House coffee by 22%.

Coffee traders have been brewing a storm in coffee futures.? Earlier in May, arabica coffee futures more than doubled from last year to reach a 34 year of $3.089 per pound. Robusta futures (cheaper coffee bean) have also jumped a steaming 95% since last June.? In March, robusta futures climbed to a 3 year high of $2,672 per tonne.? The world?s largest coffee chain, Starbucks (NASDAQ:SBUX), has been successful in passing rising coffee bean costs onto customers.? In March, it also announced price increases of 12% inorder to offset costs and reach profit targets.? The stock is up 13% in the last 3 months.

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Source: http://wallstcheatsheet.com/trading/agribusiness-investing-are-coffee-investors-toasting-to-goldman-sachs.html/

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Toyota's Got a Friend in Salesforce.com

The future is mobile and social, and Toyota is teaming up with Salesforce.com to build a new telematics system around the social networking model. Toyota Friend will facilitate communications between owners and their vehicles, as well as with their dealers and other vehicle owners -- and perhaps their social world at large.


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Salesforce.com (NYSE: CRM) is participating in a social Reach More Customers with Live Chat - Free Whitepaper media project with Toyota Motor (NYSE: TM), in what could launch the CRM company into an entirely new industry -- telematics. Or not.

The agreement between Salesforce.com and Toyota to collaborate on this offering, called "Toyota Friend," is still very much in its early days, Robin Daniels, director of product marketing for Salesforce.com, told CRM Buyer.

"Those are all good questions," he said in response to queries about precisely how the service will work and Salesforce.com's future direction, "but right now we are just in the beginning stages."

Still, the concept the two companies outlined is intriguing, and it follows Ford Motor's (NYSE: F) announcement earlier this month that it will employ Google (Nasdaq: GOOG) Analytics to optimize driving routes for users of its electric vehicles, among other use cases.

In short, it appears the automotive industry and the CRM industry are taking steps to more closely intertwine their respective technologies.

Tweeting Your Dealer

This is what Salesforce.com and Toyota have in mind, in broad strokes. They want to build a private social network -- but one with the ability to make public posts on Facebook and Twitter -- that is powered by Salesforce.com's Chatter. It will first be deployed in Toyota's electric vehicles and plug-in hybrid vehicles that are coming out in 2012.

There are a number of uses they envision for this network, the most fundamental being to alert drivers with updates about maintenance, or news from dealers or offers via Chatter. Conversely, drivers will be able to communicate with their dealers.

"Our vision is to offer much more interactivity than the standard dashboard or GPS," Daniels said.

The companies also see the private network as acting as a social network of sorts for Toyota drivers.

Theoretically, the service is open to all Toyota drivers, wherever they may be in the world -- but obviously, such a firehose of contacts and data would be overwhelming. Chatter, therefore, will recommend contacts for the network, Daniels said.

"It may be that your neighbor two doors down owns a Prius and you didn't realize that. "What we want to do is create a sense of community but not overload the driver with information or too many contacts."

A Tweet From Bob's Car

One intriguing use -- at least from Toyota's perspective -- is the ability for people to post on Facebook and Twitter via the service. Will those posts be signed, as they are in mobile messages, "sent to you from so-and-so's car via Toyota Friend"? Too early to say, Daniels said.

Mobile and Microsoft

Microsoft (Nasdaq: MSFT) is also participating in the venture, building out its back end. Microsoft, Salesforce.com and Toyota have each kicked in varying dollar amounts to develop the technology.

One certainty that Daniels did provide: The service will be accessible via mobile devices. "One thing we do know is that the future is mobile."

Source: http://www.technewsworld.com/rsstory/72514.html

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