Archive for October, 2006

Shoe Organizers Are Useful for Everything But Shoes

Admit it. We’ve all done it. You were anxious to get organized and you purchased those plastic or canvas shoe files, didn’t you? At first, they worked great. You had all of your shoes neatly sorted into the little pockets. You put the spring sandals first, followed by pumps, loafers and sneakers. Your shoe collection never looked better.

Within a week (or a few hours…in my case) your shoes were back on the floor, weren’t they? They were tucked underneath the recliner, sitting by the door or thrown haphazardly underneath the plastic organizer.

It’s alright. Your intentions were good. Now we just need to do something with those great shoe organizers that are being wasted.

Here are a few of the ways I use vinyl shoe bags in every room in my home.

Sorting Crafts - I placed paintbrushes, sponges, chenille sticks, pop-sicle sticks, scissors, left-over paints, ribbons, raffia and more into the small pockets. The pockets are also the perfect size for storing craft magazines and pattern packets.

Childrens’ Accessories - my little girl has a plethora of barrettes, purses, scarves, tights, socks and shoes. Shoe hangers are perfect for ensuring that you keep the matching tights, barrettes and socks organized together

Bathrooms - shoe bags are a great way to store all of those extra brushes, shampoos, hair-sprays and travel containers that many of us have piled in baskets & drawers in our bathrooms

Toy Room - this is a wonderful way to hold some of your child’s smaller items. You can store puzzle pieces, games, matchbox cars, dinosaurs, small dolls & doll clothes, small blocks, and more..

Road Trips - cut a shoe bag to fit the back of your car seat, and let your children make their own choices for back seat entertainment by stuffing toys, coloring books, and travel games into the pockets.

Bedrooms - shoe organizers are great for off-season purses, scarves, belts, wallets, and more.

Garage - my husband uses a vinyl shoe bag in the garage to store paint brushes, spray paints, cleaning products, rags and painting tools.

Utility Closet - use shoe organizers to store sponges, scrub brushes, cleaning supplies (sprays, bottles, polishes, etc) in the pockets. They make a tremendous space saver.

Offices - use a shoe bag to hold pens, pencils, staplers, extra envelops, shipping supplies, packing tape, markers and other office tools. (I like to buy my office supplies in bulk at Costco so this is a great way to store the “extras”).

Do you have a unique use for a shoe bag? Share it in the comments section!

ABOUT THE AUTHOR:

Traci Anderson has been a Work at Home Mom since 2002. Prior to trading pantyhose for PJ’s she was a child abuse investigator, youth counselor and victims’ advocate.

When she is not wiping noses, playing with legos and getting dizzy from too many games of “Rosie” she enjoys painting, web design and blogging.

She is the proud editor of several websites including:

Tropical Fruit Salads - A Delicious and Colorful Addition For Your Home Entertaining

It is amazing what the color of fresh fruits can do to add that extra dash of design to your home décor. People have often purchased permanent (or plastic) fruit bowls for show. Nonetheless, sometimes you can have the best of both worlds: beautiful, colorful fruits prepared in simple recipes that your friends and family members or other guests will just love! To have some general ideas of different kinds of fruit salads that you can whip up is great. For a bright, lovely and absolutely nutritious snacks and / or desert, fruit salad is often popular and quick to disappear.

One of these popular fruit salads is the tropical California-style fruit salad. Everyone seems to be enjoying California recipes lately. From the California pizza joints popping up all across the country, to special California chicken specials, to California relishes, other dishes, sauces, and especially California wraps. There is something about the California “flavor” that people are really going for. And you could throw it all together with the flavor people go crazy for with virtually no effort in an easy-to-make California Tropical Fruit Salad.

If you like the tempting tastes of tropical fruit, it takes just a few easy steps to whip up this special recipe for a tasty tropical California fruit salad. You will first need several the following ingredients. You will need approximately six to eight sliced fresh apricots, pitted and prepared in the amount of approximately two cups for a five-serving salad. One or two cups of fresh strawberries and a few limes or kiwi fruit are key ingredients for a great California tropical fruit salad! The strawberries you use should be sliced in half for a beautiful and colorful presentation. In addition, pare two or three pieces of kiwifruit and slice thick slices for about two cups in total. Apricot nectar is a wonderful tool for California-style recipes, especially fruit salads like this one.

You will combine the apricots, kiwi and strawberries and then glaze with about two thirds of a cup of your apricot nectar. Remember – you do not have to follow any recipe to the letter. That is perhaps one of the very best parts of cooking! Especially if you are making something like a delicious fruit salad, you can make all kinds of your own improvisations. You can do things such as change the portions, amount of servings, and in any fruit salad recipes, you can virtually always substitute one kind of fruit for another kind.

Joining the fresh fruit fad could just be an absolutely sincere gesture of pursuing a healthier way to satisfy your sweet tooth. Or it could be a healthy and delicious, but perhaps most importantly, impressively decorative presentation of snacks for the kitchen, living room, outdoor party, or any other occasion. Fruit salads are a colorful and delicious snack – there are a thousand recipes, all beautiful as well as great to eat. Like designer pastries but a lot more healthy, fruit salads can accentuate the dining spread with a bloom of color.

If you love kiwi, you will almost certainly love this salad: It is as easy as can be. Just purchase six fresh kiwi fruit, a peeled papaya, quartered and seeded, cut up twelve little watermelon triangles, perhaps one-forth of an inch thick. Use fresh mint as garnish, lime juice, (one-forth of a cup or so) two tablespoons of honey (a key ingredient in great fruit salads) and some chopped mint. Peel the kiwi fruit, cut and measure the slices about one quarter of an inch thick, in the same manner as the kiwi and the watermelon, slice the papaya into quarter –inch slices. Whip up the dressing ingredients well then drizzle the salad (or even mist or baste it) with the lime dressing and garnish with mint, perhaps you can even use toasted coconut flakes, nuts or grains.

Here’s one that will be sure to be a rollercoaster of tastes, sure to keep any get together from getting too bland. Combining the color and taste of tangerine in your fruit salad with the tart zing of easy-to-make cranberry dressing. Many people like to add kiwi to this recipe and other tropical recipes of many kinds. Otherwise, you will want lettuce leaves to bed the servings. On top of the lettuce you will combine slices of strawberry and tangerine. The cranberry dressing is made of half cranberry sauce and half berry-flavored yogurt, usually a cup total mixture is plenty for a five person recipe. Mix the fruit and the sauce and serve this salad with the lettuce leaves as garnish. Mint is another tasty, exotic and simple garnish that you can use.

It does not matter, really, why we care so much. Buy many people warm at the idea of serving a lovely desert parfait that matches the crimson tones of her dining room set and new window frames. And health-wise, as far as fruit is concerned, often the brighter the better. You will find great nutrients in fruits, and when you start to cook more and more with fresh fruit recipes, you may even find a replacement for more unhealthy eating habits.

Custom design variations of all of your favorite fruit recipes! Serve honeydew melon balls with mint garnish and marshmallow topping in your living room with the new pale green curtains. Serve thick slices of bright papaya and mango with fresh bottled water on the side in the middle of your gleaming, modern black and white kitchen. Or maybe just bring a great recipe to your next outdoor garden party. Surprise your friends with elegant and delicious fruit salad parfaits. Use the very best colors and flavors, and of course, the very best recipes.

Anne Clarke writes numerous articles for websites on gardening, parenting, fashion, and home decor. Her background includes teaching, gardening, and fashion. For more of her articles on nutrition and fitness, please visit americanfitness.net, supplier of high quality Yoga Accessories and Exercise Machines.


Parenting Two Under Two - The Good, The Bad and The Foggy

I’ll never forget the day I found out I was pregnant with my second child. I’d spent nearly all day in bed watching afternoon talk shows with my six month old daughter laying on my chest. I was exhausted and nauseous. The last time I felt that sick, I was pregnant. Oh my goodness, I couldn’t be…could I? Nah. It took us nearly two years to get pregnant with my daughter. There is no way I got pregnant that quickly with a second child. My head was spinning. I ran to the bathroom and puked…again.

I bundled up the baby and made a bee-line to the drug store. As I set the pregnancy test stick near the scanner I watched the clerk look at me…and then the pregnancy test…and then my baby…and then me again. I am fairly certain he was doing the math in his head. He smirked. “Would you PLEASE just scan the freekin test?” I said under my breath.

I walked in the house and threw up again. Boy, this flu bug is killing me, I thought. I was clearly in denial. I set the test stick on the counter and avoided it. If I didn’t take the test, I wouldn’t be pregnant…right? I cleaned up around it. I ate lunch around it. I even considered stirring my coffee with it when I couldn’t find a clean spoon.

It was a bit ironic. I used to love those little sticks. I would anxiously tear them open and…(well, you know what comes next). I would gaze longingly at the little spot where the second little line might appear. On the glorious day it actually did appear, I ran up to my husband and tried to shove it in his hand. He lurched back. (I was so excited that I forgot to clean it off, woops). We are pregnant! I squealed.

This time was different. I didn’t want to be pregnant. I couldn’t be pregnant. I barely figured out how to take care of this one…much less another one. We couldn’t afford a baby and I didn’t want another baby. There was that second line I’d only had the pleasure of seeing once before. It looked florescent this time.
I’ve probably taken 50 pregnancy tests and I’ve never, ever seen such a clear, bright line. I puked…again. Only this time, it was due to nerves.

I spent the rest of the day trying to figure out how to tell my husband. Should I buy him balloons, a cake, cookies? Maybe if I turned it into a celebration we would forget how ill-prepared we were for a second child. As I was planning the “we don’t want another baby…but ‘oh-well’ celebration”, my husband arrived home early from work..

I couldn’t stand it. “Honey, I have to tell you something”. “You aren’t pregnant again, are you?” He laughed. “Not funny”, I grumbled. “Yes..WE are”, I replied, sarcastically. He walked into the bathroom. I think he puked too. “Well, we’ll make it work”, he said. He sounded sincere. “Okay then”.

I am not sure if we said anything else that night or for the next eight months for that matter. We didn’t really talk much about the baby even though our excitement started to grow with every prenatal appointment. “We’ll make it work” became our mantra. And we did. My daughter had just taken her first steps around the time my son was born.

While this is the part of the article where I should be giving you tips on how we made it work, I can’t. Quite honestly, I don’t remember much. I remember changing a ton of diapers, pushing around a super heavy double stroller, having back pain from lugging around a toddler on one hip and a bulky car-seat on the other. I also remember getting up between one and five times every night for two years straight to tend to a crying baby. That’s about it.

My son is almost three now and my daughter will turn four this summer. The fog has lifted. Suddenly, I am sleeping again. I know what it feels like to take a long, hot shower again. I can shave my legs, fix my hair and apply makeup now. I even smell good. The other day, I read a magazine, drank a cup of coffee and watched a reality TV show without interruption. Pinch me.

My kids are a bit more independent now and I am enjoying some much deserved “me-time”. They play together. They like each other and they entertain each other. It is great.

If you are reading this in panic mode while awaiting a second baby I am probably going to disappoint you. I don’t have any profound advice, tips or words of wisdom to offer. In fact, I’m not going to lie and suggest that it is easy. Two under two is hard. You won’t get much sleep, you won’t have much time to yourself and you will probably be running non-stop.

That being said, I am LOVING “two under four”. It is fun, it is profoundly easier and I blessed with non-stop laughter at the antics of two preschoolers. Who knows, I might even be ready to try “three under five” soon (just kidding, honey).

ABOUT THE AUTHOR:
Traci Anderson has been a Work at Home Mom since 2002. Prior to trading pantyhose for PJ’s she was a child abuse investigator, youth counselor and victims’ advocate.

When she is not wiping noses, playing with legos and getting dizzy from too many games of “Rosie” she enjoys painting, web design and blogging.

She is the proud editor of several websites including:

Health Insurance - General Information on Health Insurance

Health insurance is a big investment and you should carefully consider all of the options before making a decision. Little success can be achieved if you are physically unwell. Therefore, health insurance may be important to you.

Health Insurance Policy

Health is the biggest and most crucial asset of every living being. A health insurance policy is meant to financially assist you in case there occurs a setback to your health.

The insurer may be a private organization or a government agency. In a health policy, coinsurance refers to the percentage of the medical bills that the insured individual will have to pay after the deductible is met.

There are different types of health insurance but mainly all the health insurance pays a fixed percentage of the expenses for the policy holders bill.

Group Health Insurance

Group Health Insurance is a benefit that some companies offer their employees enabling them to receive private medical treatment quickly and at no cost should they need it. As an employee benefit, group health insurance has many rewards.

Labor and trade unions also may offer group health insurance for their members. Spouses and children can often be added to most employee health plans, though the rate will be higher.

Individual Health Insurance

Individual insurance policies are distinct from group policies in the nature of evidence of insurability. You can purchase a policy by answering a health questionnaire and undergoing a medical examination to provide evidence of insurability to the insurance company.

Individual policies can be customized for your specific needs.

Family Health Insurance

Health insurance companies offer health insurance plans as a vital part of your full planning picture. Without it your safety and the safety of your family is jeopardized.

Most qualified heath care providers will not treat you without health insurance. I think you will sleep a lot better knowing that if something happens you or your family will be protected.

Health Insurance Cover

Health Insurance is an annual contract. So when it comes to renewal, your insurer is at liberty to review not only your premium but also change the conditions on which your cover is provided.

Health Insurance Quotes

Purchasing an insurance policy should take time and a little research in order to arrive at a wise buying decision. Individual health insurance quotes are available from various health insurance companies.

When you shop around for a health insurance plan, health insurance quotes can help narrow down your options and identify the best plan that fits your medical requirements and budget. This may help you to make informed decisions about the exact kind of health insurance plans into which you want to enter.

The best way to find the right insurance quote is with the help of a search engine. Some insurance companies and agents provide different kinds of quote options, such as the instant quote and the custom quote. The instant quote is the fastest kind of application, that provides general information about the eligible plans and their benefits.

Health Insurance Premium

The way for companies to calculate your monthly or yearly premium is to look at many factors. The premium is the amount you will pay for the benefits covered under your health insurance plan.

Health Insurance and Emergencies

It’s easy to ignore family health insurance until a family member falls ill and hospital bills and medical expenses pile up. An emergency can occur at any time.

Health Insurance and the Hospital

If you are self-employed, look for a company that offers an extensive health insurance coverage, and at the same time would not make a big dent in your pocket. Remember that spending a day or two in the hospital can be very costly. You should make sure that you have ample coverage.

In the end, the major purpose of health insurance is to cover medical expenses and any lost income while you are not well and unable to function normally. That is why health insurance may be vitally important to you.

Copyright 2007 - Dan Theron. All Rights Reserved Worldwide. Reprint Rights: You may reprint this article as long as you leave all of the links active, do not edit the article in any way, give author name credit and follow all of the EzineArticles terms of service for Publishers.


Fruit Recipes For Expecting Mothers

There are several recipes that this article will provide that will be important for your nutritional needs during your pregnancy. Of course, I am not at all indicating that you replace healthy foods with doctor recommend treatments such as prenatal vitamins or any other dietary supplements, or any other medicines. There are many wonderful fruit salad recipes for you to consider, if you want to satisfy your sweet tooth and eat delicious fruit salads while you are pregnant. But you sure do not have to be pregnant to enjoy them!

This article will provide you with many such recipes and recommend other places, look for more wonderful fruit salad recipes such as internet blogs and articles. Some of these recipes are perfect to deliciously and colorfully accentuate your home. For friends and family members or other guests, you know that you can alter the ambiance of your home with a delicious - smelling and aesthetically pleasing treat. You will likely discover that your friends and family members become fans of these great recipes. Of course, recipes like this can be perfect in presentation, class, and most importantly taste when you are entertaining guests in or outside of your home.

The first fruit salad I want to mention is a delicious yogurt fruit salad, [these are of course, fruit salads that are primarily composed of fruits that are more available in the wintertime.] The ingredients for putting together a five serving yogurt fruit salad are simple. Just pick-up a twenty ounce can of pineapple chunks, a sixteen ounce can of pears (preferably pear halves), and a twenty ounce can of sliced peaches. Then you will need one-fourth of a cup of vanilla yogurt (you can substitute this with low-fat yogurt) and perhaps you can pick-up some raisins or nuts to add to the topping. In addition, and lastly, you will want to purchase and / or use my favorite ingredient: granola. Usually people prefer to use one cup of granola, but you can add more or less yogurt and / or granola to taste.

Be sure to drain the juices from your cans of fruit before doing anything else. Cut up the pear halves into small bits, (the size of the slices you make is your option to determine) also cut up the peaches as well. Mix all of the fruit into a bowl. You can add up to sixteen ounces of another fruit too, such as apricots, coconut, or mango. Spoon the fruits into five bowls. Unless you are saving some of the fruit salad for later, in which case, it is best to freeze the fruit mix before you add any other ingredients.

If you choose to add shaved coconut, some people love to add that to their granola topping. After filling the bottom of your bowl or other kind of container, sort of like a parfait, you will then add the yogurt topping and sprinkle the granola or granola mixture on top. You can also use to split the amount of yogurt or add extra yogurt in order to create more layers for your parfait. Some people choose to add a very tart-flavored layer beneath the fruit, usually a lemon pudding, a key-lime pudding or something similar.

The next recipe I want to introduce you to is a recipe for a wonderful fruit and nut salad. This is a salad made of a lovely combination fruits and nuts. Many people are becoming fonder and fonder of fruit and nut salads. As a matter of fact, even green, leafy vegetables have been seen in combination with fruits such as berries, mangos, and more – there are even new delicious fruit flavored salad dressings for these.

This recipe requires one large red apple, a large orange, a large pear, vegetable oil, white wine vinegar, honey, chopped pecans and large lettuce leaves for garnish. Slice the fruit, adding or substituting fruits is optional. You will want to make your fruit slices as thin as possible for this fruit salad, then mix the fruits in a medium sized bowl. Combine the vegetable oil and white wine vinegar, and honey in a bowl. Use approximately one third of a cup of oil, three tablespoons of your white wine vinegar and a tablespoon of honey (or more – to taste) in a smaller bowl. Then pour the oily mixture over the fruit, coating it as much as possible. Use at least one half of a cup of nuts (anything from sliced almonds to chopped walnuts or pecans) and top the fruit salad with them. The bottom of the bowl or plate will be lined with your lettuce leaves.

This recipe creates a delicious and nutritious snack for an expecting mother. This is a salad that will keep your baby and your breast milk even more healthy because it includes both fruits and nuts. These are two very important kinds of food to consume whether you are pregnant or not. Either way you are increasing your health, while able to enjoy a very tasty and sweet option to the other sugary temptations out there.

The next recipe I will mention is one of my absolute favorites, ice cream-like and sweet as pie, is the orange sorbet salad. Purchase two packages of orange Jello, you will also need a cup of orange juice, a can of mandarin oranges, a can of crushed pineapple. In addition you will need two bananas, at least a cup of miniature marshmallows, a cup or so of sour cream, and most importantly, an entire pint of orange sorbet!

Now that you have the ingredients, start cooking! You will find that this scrumptious orange sorbet salad is not so difficult to make. First you will dissolve your orange flavored gelatin in a cup of boiling water, add the orange juice once this is dissolved. Then add the sorbet. You will then stir the mixture until the sorbet is melted in the pan. Transfer the mixture from the pot in to a medium to large-sized mixing bowl. Add the fruit in to the mix. Chill the fruit and sauce mixture in the refrigerator until it is firm. You will combine the marshmallows (melted) with the sour cream and add it to the fruit salad as a topping just before you serve it.

Sometimes tropical salads just sound soooo good! The following recipe for a tropical kiwifruit salad will surprise your taste buds and completely satisfy your cravings. If you love kiwi, you will almost certainly love this salad. Just purchase six fresh kiwi fruit, a peeled papaya, quartered and seeded, cut up twelve little watermelon triangles, perhaps one-forth of an inch thick. Use fresh mint as garnish, lime juice, (one-forth of a cup or so) two tablespoons of honey (a key ingredient in great fruit salads) and some chopped mint.

Peel the kiwi fruit, cut and measure the slices about one quarter of an inch thick, in the same manner as the kiwi and the watermelon, slice the papaya into quarter –inch slices. Whip up the dressing ingredients well then drizzle the salad (or even mist or baste it) with the lime dressing and garnish with mint. Perfect!

There are great ideas out there that will be perfect for you. This article is specifically directed towards expecting mothers who want to eat healthier foods during their pregnancies. Nonetheless, these recipes are very likely to become some of your personal favorites. And you will discover that your friends and family members become fans of these great recipes. Of course, recipes like this can be perfect in presentation, class, and most importantly taste when you are entertaining guests in or outside of your home.

Anne Clarke writes numerous articles for websites on gardening, parenting, fashion, and home decor. Her background includes teaching, gardening, and fashion. For more of her useful articles for new mothers, please visit breastisbest.com, supplier of high quality Milk Storage and Breast Feeding Pumps.


How Can Direct Response Marketing Deliver Education Leads & Increase Applications and Enrollments?

Innovation Ads was originally formed as an education lead generation agency to service academic institutions. As time went by, colleges and universities began demanding applications and enrollments rather than leads. We saw that most academic institutions needed help with the lead follow up process—so we built and refined a set of solutions that address not only lead generation, but lead conversion as well. The Enrollment Solutions Platform, or “ESP”, is a unique platform that combines executive analysis and evaluation, with a dynamic lead generation and lead conversion system. The first step in initiating a campaign that generates more applications and enrollments is a thorough analysis of the existing enrollment process.

Analysis and Evaluation Analysis is the firm bedrock beneath a successful enrollment marketing campaign. In order to establish a comprehensive foundation, our senior staff members work closely with you, in order to: define your current goals and market share; identify the most effective means for attracting and retaining new students; and help determine the appropriate budget for the projected enrollment goals.

Another pivotal piece of our analytic process is “Mystery Shopping”—a term that refers to an anonymous evaluation of the existing enrollment process. Members of our enrollment specialist team walk through your enrollment “funnel” from start to finish, in order determining where improvements can be made. Once analysis is complete, we begin to initiate contact with prospective students.

Initiate Student Contact through Lead Generation We generate student interest by marketing across multiple channels. The direct response nature of our marketing process allows us to reach vast numbers of potential students, in a meticulous manner. Our large economies of scale in both the online and direct TV channels—combined with the direct response marketing and our tracking technologies—ensure that we’re generating more highly qualified leads, for less money. Our direct response strategies include:

• Online Media Planning • Online Media Buying • Direct Response Television • Creative Development • Micro-Site Development • Lead Remarketing • Search Engine Optimization • Trade Name Management • Virtual Tours Lead Conversion: Increase Student Enrollment with Our Prospective Student Conversion System (PSyC) In addition to our lead generation capacities, we’ve created a unique lead conversion solution—the Prospective Student Conversion System (PSYC)—guarantees that your enrollment funnel is working as efficiently as possible. PSyC marries our lead generation capacities to our unique follow up marketing process.

Once we’ve initiated marketing campaigns, and begun to generate student interest, our enrollment specialists that work in The Academic Advising Center (TAAC) initiate outbound phone calls to interested students, and field the inbound phone calls that marketing campaigns generate. The Enrollment Specialists help the prospective student to apply.

In helping students to apply, our Enrollment Specialists gather important marketing information. They enter this critical feedback into our technological platform—Multi-channel Interactive marketing Database, or MIND—, which organizes and tracks the response that each marketing campaign generates. Once the information is in our system, our technology optimizes your campaign according to the response that each piece of marketing material generates.

Our technology informs our Client Services Team which channels and campaigns are generating interested students, and which are not. Our client services team reacts to the success/failure of each phone call by boosting media allocation to successful campaigns/channels, and decreasing allocation to the channels that are not successful.

The must exciting feature of PSYC is the Real Time Optimization that takes place. We’re able to reduce marketing costs because we immediately know which advertising campaigns work, and which don’t: we’re able to cut campaigns that don’t work, and boost campaigns that do work, in a real time manner. This removes a large portion of the “x-factor” from marketing to prospective students.

Growth Strategies: Higher Education Consultant Solutions Enrollment Growth Consultant Solutions that are based on results. Because we have been so successful at increasing student enrollment at colleges and universities, we understand the daunting task that colleges and universities face: providing an academic service to more students within an economically viable framework is very difficult. Because we understand the goals and roadblocks that higher education institutions face, and because we’re able to offer pragmatic Enrollment Management Solutions, we’ve been able to refine our consulting skills in a way no other firm has. While many other consultants do just that—consult—Innovation Ads focuses on generating leads, applications, and enrollments. It is our experience generating tangible results that makes our consultant services so valuable.

Want to learn more about Enrollment Management? Click here to sign up for the Innovation Ads Enrollment Management Whitepaper.

Patrick Sutton is the Marketing Director for Innovation Ads, Inc., a company that helps colleges and universities to increase applications and enrollments by leveraging proprietary and affiliate internet portals, and the second largest DRTV media buying capacities in the US.


Fraud - SEC Investigations - April 2007

During the six months ended March 31, 2007 the SEC announced in Litigation Releases the opening of eighty-one new cases. Almost half of the cases were of three types: accounting fraud, insider trading and stock manipulation.

I defined accounting fraud and insider trading in an article I wrote in 2006, entitled, “FRAUD-WHATS NEW AT THE SEC”. You can access this article at www.ezinearticles.com/?id=327339. I will concentrate on stock manipulation frauds in this article.

In stock manipulation fraudsters make a profit by buying or selling the targeted stock, already knowing which direction its price will go. A simple example of this is called a “pump and dump scheme”. The fraudster “pumps” the price of the stock by encouraging buying or selling in the stock. This is often done by disseminating information on the Internet or by mass faxes. Sometime it is done by actual trading in the stock.

The type of information varies but can be very creative. In one prior case the fraudsters controlled a small US public company and a small UK private company. The two companies entered into a merger agreement for an exchange of $600M of debentures. The fair market value of the net worth of each company had a value of less then $2M each. Of course the headline on the Internet was that it was a six hundred million dollar deal. The stock of the US public company increased from pennies to over $10 in a period of weeks and the fraudsters “dumped”. No one found out how much profit they made and there was no prosecution.

Fraudsters have developed a new way of inflating the price of the stock in pump and dump schemes. By stealing investors’ on-line brokerage account information, they can use the investors’ accounts to trade the targeted stock. This trading will influence its price in the direction the fraudster wants it to go. They then buy or sell the stock, knowing the price direction. Sometime they will buy on the way up and then sell short, knowing the price will drop when they stop pumping the price.

Does this mean that these frauds are the ones to be aware of today? Not really. These statistics are a compilation of what cases are being investigated by the SEC during the last six months. During the first nine months of 2006 Ponzi schemes and hedge funds made up 18% of the cases opened, while they only made up 10% in the more recent period. This more then one-third drop in cases involving Ponzi schemes and hedge funds does not mean that these frauds are declining. The cases being investigated by the SEC are influenced by many things including: complaints filed by investors, the needs of the investing public, congress, public opinion, and most importantly, the decisions of the SEC’s staff.

How can an investor use this information? Remember that any investment you make could be a fraud. Before you invest look for the warning signs, such as: securities which are not registered, investment funds (including hedge funds) which are not registered, investments with high returns and little risk, secret trading schemes, offshore investment funds, small-cap stocks touted on the Internet or by faxes, investment advisors who want trading control of your portfolio without the proper oversight, investment advisors who advise you to put all of your portfolio into their can’t-lose investment, and returns which are just too good to be true.

Investing can be profitable, but not if you get caught in a fraud.

Mr. Cuthill’s practice is limited to court-appointed positions in large fraud cases. His work has produced the return of millions of dollars of investors’ funds. For more information about him go to http://trusteeandexaminerCuthill.com/


A Nation of Characters

Our pastor started a series of sermons about character the day before the shooting at Virginia Tech. I’ve heard from friends in other parts of the country whose pastors preached or are preaching on a similar theme. Was God preparing them to remind us of the importance of godly behaviors, of building character in ourselves and our children? Was He preparing them to teach us that we cannot achieve goodness on our own, no matter how hard we might try?

As a baby boomer, I thought that my school years were tough, just as my parents thought before me. Our burdens were different back then. Our parents and grandparents experienced poverty and world wars. We lived through culture changes that included drugs, sex, and demonstrating against the government, disagreeing with the government.

Today’s children, face a world much different than the one I faced at their age, or the one that my parents faced. And they face it in a culture that deems God unnecessary, that even ridicules God and those who profess a belief in God.

The world changed when we stopped letting God reside in the classroom. It changed when we started teaching that individual rights were more important than collective rights. It changed when we started believing that we could survive without God, that there were no absolute truths.

There are absolute truths. We should acknowledge that there are universal right and wrong behaviors. The Ten Commandments makes an excellent foundation of what is right and wrong, even for those who proclaim no faith. The Commandments say that we should not kill, steal, commit adultery, covet our neighbor’s house, give false testimony. These are right behaviors, behaviors not being taught to our children. Instead, our children are learning that what is right for them is right, although it may not be right for the people around them. That cannot work, and we’re seeing on a daily basis that it does not work.

The Golden Rule (Luke 6:31 NIV), “Do to others as you would have them do to you” is found in many faiths. Obviously, this is an idea that we should embrace and teach to our children.

Jesus said (Matthew 22:37-39) that the two most important commands were to love God and to love our neighbor as we love ourselves. If we truly love our neighbor, then we will cherish him, respect him, and honor him. Even those who do not know or love God can certainly love their neighbors. And in doing so, our world will become a better place. Learning to value and put others before us is an important part of learning to be a good citizen.

To anyone who will pick up a Bible and read, these words are there. The book of Proverbs gives us an excellent foundation for rules of conduct. It tells us both what the wise will do, and what the foolish will do, in often simple terms.

If we are not hungering for God’s word, it’s because we have filled ourselves up with other things, with trash. (Proverbs 15:14 NLT - A wise person is hungry for truth, while the fool feeds on trash.) Perhaps it’s time for us to turn of the TV’s and video games for a while and truly study God’s word.

We may have allowed God to be stricken from our classrooms, but He will be there for the girl who prays for help as she stands before the class giving a report. He will be there for the boy who prays for guidance and strength as he completes the test before him. And God will be there in front of the classroom for the teacher who asks God for wisdom in teaching. But God will not barge in where He is not invited.

As a nation, we used to invite God into the entire school. Now, it is up to each student and each teacher who believes in Him to invite God into the school, into the classroom, into the sports arena. God will certainly come if we ask.

When we do not know how to pray, God’s Holy Spirit will help in that regard. Or we can use the Bible as a starting place. David offered up prayers in the book of Psalms. Jesus gave us a model prayer in the Lord’s Prayer.

Bruce Wilkinson made the prayer of Jabez very popular. It is a prayer that each one of us could easily remember. “Oh, that you would bless me and enlarge my territory! Let your hand be with me, and keep me from harm so that I will be free from pain.” 1 Chronicles 4:10 (NIV)

None of these formal prayers are necessary, though. Just uttering the words, “Father, please help me” will be enough. Telling God what is on your heart, then praising Him for your blessings is an easy thing to do, but one that so many neglect.

And yet, if we became a nation of prayer again, if we started allowing God to touch each part of our lives and stopped trying to confine Him to the church walls, God offers us a wonderful promise. “If my people, who are called by my name, will humble themselves and pray and seek my face and turn from their wicked ways, then will I hear from heaven and will forgive their sin and will heal their land.” 2 Chronicles 7:14 (NIV)

We could go from a nation of characters to a nation of character once more, if we just turned back to God. That is my prayer; what is yours?

Marilyn Mackenzie has been writing about home, family, faith and nature for over 40 years. She is an author on http://www.Writing.Com which is a site for Creative Writers. Her portfolio can be found at http://kenzie.writing.com


A Guide to Finding a Classical Guitar Instructional Book

There are lots of instructional books that show you how to play classical guitar. So which one should you use? That depends on your goals with the guitar and your style of learning. Here is a guide to some of the more popular instructional books.

If you are looking for a traditional instructional book you should consider the Carcassi Method. It has been the standard guidebook for generations of classical guitarists. If you want to go the traditional route this is a solid choice. It was written over a hundred years ago and although a bit dated it is still a fine choice. There is a second part to this method called twenty-five progressive studies that are extraordinary in that they give you a solid repertoire of professional pieces to learn.

For a more contemporary guide to playing you should consider the Christopher Parking Guitar Method. It is a modern method for learning classical guitar and it comes in two books. The first book focuses on learning how to play and the second book teaches you all about refining and improving your technique while developing your repertoire. This is an excellent set of books on classical guitar and Christopher Parkening is a world class guitarist who was a pupil of Andres Segovia.

If you are looking for an easy to understand and more relaxed way to learn classical guitar consider Mel Bay’s Complete Method for Classic Guitar. Mel Bay has been publishing easy to follow, and easy to understand guitar books for decades now. And this book follows this formula. It is clearly written and easy to understand. It assumes you know nothing about music or guitar and this book is very well suited for younger players.

If you want the benefits of being able to watch someone play and hear what the guitar sounds like you should consider the Basic Classical Guitar Method books 1 and 2 by Scott Tennant. The first book has a dvd so you can see how the guitar is played and the second book has a CD so you can hear what the exercises and pieces sound like.

As your skill with the classical guitar develops you are going to want to expand beyond the traditional instructional book and choose books in two different areas. They are technique books that improve your technique and repertoire books that give you pieces you can perform. One of the best technique books you can get is Pumping Nylon by Scott Tennant. This book is a practical approach to really improving your playing technique.

If you are looking for an inexpensive collection of music to play I highly recommend The Library of Guitar Classics by Jerry Willard. This enormous book covers classical guitar across centuries, genres, composers and difficulty levels. It has a great variety of works that will keep you learning new pieces for many years. I own this book and refer to it all the time.

If you are interested in getting a better look at the whole subject of music theory I recommend you take a look at a book called: Scales, Intervals, Keys, and Triads. This book is an in depth look at music theory and music composition. It is independent of any instrument and is just a self-taught course on the theory of music.

There are lots of great books that will teach you how to play classical guitar and you can almost not go wrong choosing a book that works with your goals will make the process move much faster and easier.

For more interesting insights and information about the beautiful classical guitar or to hear pieces played by the author visit his website at:

The Classical Guitarist


Learn To Be A Texas Hold’em Poker Pro Part IV

It’s time for more important texas holdem poker terms
to help you become a better texas holdem poker player.
If everyone else at the table is speaking a language
that is completely foreign to you, how are you going
to improve your texas holdem poker game, let alone
become good enough to win consistently?

Open-Ended Straight Draw: This type of straight draw is
a straight draw with four consecutive cards that can be
completed on either end. For example, if you have 5-6-7-8,
either a 4 or a 9 will complete your straight.

Out of Position: Having to act before your opponent.

Outs: Outs refers to the number of cards in the deck
that can improve your hand. For example, using the hand
above, if you have 5-6-7-8 with the community cards showing
7-8-A-K, you have 8 potential outs (four fours and four nine’s,
unless of course you already know that an opponent has some
of these cards.

Outs are more often referred to what a player needs to win
a hand, as opposed to just improving his hand.

Overcard/Overpair: In texas holdem this is having a card
or pair of cards that are higher in value than anything that
falls on the flop. For example, if you hold Q-9 and the flop
is 10-J-4, your Queen is an overcard.

Pocket (or Hole) Cards: The two unique cards you are dealt that
no one else can see.

Position Bet: This is a bet in texas holdem where you bet more
on the strength of your position at the table than the strength
of your hand. For example, in texas holdem poker, a player on
the button is in good position to steal the pot if no one else
at the table opens.

Pot-Limit: In texas holdem poker, the pot-limit refers to the
maximum bet that can be made, which is equal to the current pot
size. If a player wants to raise, the amount to call is included
in the pot total when calculating the allowable size of his bet.

These are just some of the terms you’ll need to know if you
want to sound like a texas holdem pro. It may seem silly to
have to know these terms if you know how the game is played.
But showing your ignorance at the table could make you a mark.

Learn to Be A Texas Holdem Poker Pro Part I

Learn the money making secret tips to mastering Texas Holdem Poker so you can quickly and easily ramp up your poker playing skills for more profits. Check out Freddie’s poker site at http://www.winningtexasholdempokertips.com right now for lots of free info and a special report.