Online stock swing or stay the day

Perhaps one the best perks to being an online trader is the convenience of being able to buy or sell with just the click of a mouse. The more the traders get educated they can decide if the want to swing trade or day trade. It seems that the main issue they are up against is timeframe. They need to decide if they like the longer term investing or the rapid fire trades. The day traders are groomed to do the instant desperation or the instant gratification which depends on the outcome of the transaction. The day trader can move around and watch different stocks in the same industry so he can take advantage of sudden swings in the market for profits. By using the technique you eliminate your exposure from holds. This can be a tiring task as you have to sit in front of your computer for hours on end. If you do frequent trading you run the risk of stacking up large bills for your trading fees. So it goes without says that for day traders, trading fast also means to trade smart. When a day trader has to leave the comfort of his or her computer you can be sure that they are still connected via cell phone or some other mobile device as they can get updates wired directly to them. Day traders are much like hunters in a sense much like the thrill of the hunt. They are driven by the rush of the excitement just as much as the profits from beating the other traders out on a winning score. The swing trader has it a bit different. They look for cycles and they always hope that they are in the right one to get the most profits. The swing traders use technical analysis when making their trading decisions. They may even use such things as options and the future. They increase their risks when they wait for the right moment. Part of their strategy is to wait out the fluctuations rather then move on the trends. They also do not have to pay as much in fees as they trade less often. There is also the long term swing strategy. This type of trader depends on the information that they get from the indexes coupled with the fundamental and technical analysis to make their trading decisions. The longer the time span is of weeks or even months can help the long term swing trader in giving him or her some protection against the quirks or blips in the market day which usually are not real trends. There are just some stocks that need time to level out, which the day traders may miss. The thing that the swing traders miss out on is the fast break day trading style. This can be recovered with some patience and perseverance. When the long term swing traders wins it is usually a big win which make it all worth while. When you go from the day trading to the swing trading it can be like cutting teeth. It moves slowly at first but it gives the trader time to learn the ropes and they can become an expert in one or more industries. The new long term swing traders can take the slower pace which is preferred as they have a chance to make good profits from the online trading.

Graceful chaos

: I was recently stuck on a curb in Ho Chi Minh City, Vietnam (everyone there still calls it Saigon). My objective, a restaurant where my husband and my lunch awaited me, stood on the opposite side of the street. I could see the food, smell it and, if you know me, you'll realize I had built up quite an appetite.Stranded in the ChaosThe only barrier between me and my lunch was crossing the street. Now, this sounds like a simple task, but at noon in Saigon my objective might as well have been the far side of the moon. The road was crammed with motor scooters (called "motos"), bicycles, motorcycles, cyclos (pedaled rickshaws), cars, trucks and buses. The fewer wheels a contraption had, the more passengers it seemed to carry. I saw a family of 5 riding a Honda scooter — sans helmets, of course.Even the center lines contributed to the confusion.

Rather than dividing the traffic into two lanes, each moving in opposite directions, in Saigon the yellow markers apparently serve only to indicate that you are on a paved road. People passed, stopped, turned around and crisscrossed the center lines with utter abandon.Traffic flowed both ways in the same lane, more traffic merged from the side streets, and people pushed their motos off the curbs into the flow at odd angles. At any given moment traffic bore down on me from as many as 6-8 directions, front, back, sides and all angles — everywhere, it seemed, except from above.

To me it was a scene of incredible chaos with no order.The traffic lights compounded my problem. In Saigon they serve only an advisory purpose. Even when the light turned red, traffic continued to flow, as drivers blatantly ignored the red light!

The lanes of traffic impatiently waiting at the green light would edge forward into the traffic that was ignoring the red light. At some point traffic trying to move with the green light would build up enough momentum (and vehicles) to stop the traffic running the red light. Traffic would then flow correctly until the light changed, and the whole process started again.Dancing through the ChaosUnder this onslaught the flashing green "walk" sign over the crosswalk taunted me from the far side of the street. I was ready to look for something to eat (and a place to sit) on my side of the street when an older Vietnamese gentleman took my arm.In English he kindly said, "Crossing the street is not a problem, but a dance.

" With that we stepped off the curb and entered the maelstrom together.My heart pounded as we walked slowly across the street. Instead of greeting us with blaring horns, irate shouts and screeching brakes, the drivers saw us and adjusted to us. As long as we made no sudden movements (like diving for the curb or running screaming from the street), we were fine. I felt like we were swimming through a school of fish. The tempest flowed smoothly around us, and before I knew it we were across.

I thanked my benefactor and went on to lunch. Later that day I taught the same technique to my husband and friends — at one point crossing a busy boulevard with an entourage of 8 people strung out like a Broadway chorus line.Later I thought about how the traffic in Saigon is a metaphor for business. There is a sort of graceful chaos, everyone going in their own direction, some traveling with traffic, some across it and some against it. Buses and trucks barrel through the streets, stopping for no one. Certainly collisions and accidents happen — but for the most part the system works.

People reach their destinations and life goes on. And the best way to survive is not to struggle against the flow, but to approach it like a dance.Invitation to the DanceDo you dance through your own life, career and business and the surrounding chaos? Or do you struggle against it, exhausting yourself, causing collisions with others and keeping yourself from reaching your chosen destination?

On any given day, each of us must adapt to life and pass through it gracefully. Occasionally things are going well, then out of the blue a big truck bears down on us, forcing us to stop or change directions. How we deal with such routine chaos determines whether we prosper or fail.In my own office I have 17 employees, each traveling in different directions but all basically headed for the same destination. I cannot interfere with their travels but must move gracefully through them.

In my business, students, vendors, other businesses, obstacles and competitors often appear in the road in front of me. I have many choices: collide with them head on, turn down a side street, take a detour, avoid them altogether or simply flow with them. How well I adjust my dance to this chaos controls my future success.In the turmoil of your own business each choice you make affects your outcome. You can adjust to the chaos and deal with it gracefully, or you can allow it to stop you or force you into costly detours. The choices are yours.

In Saigon I chose to cross the street thanks to my new-found guide and enjoyed the reward of a wonderful lunch. Then I plunged back into the chaos, now wise enough to guide others on the journey. Every day in my business I face the traffic, dance with it to the best of my ability and hope to enjoy continued success. You can do the same thing if you cultivate the grace to flow with chaos.

Collection agencies and credit card debt

Though you’re in debt at this time, if you dig down deep and decide to fight for your financial freedom back, you can surely find a solution. Credit repair becomes a necessity in some of our lives at times since we do not always have great debt management skills going into adulthood. The creditors that have lent us money are doing so in good faith and under the assumption that they will be paid back, and paid back on time. However, these are people too and what they really want is their money back, and so on that note are usually willing to extend the amount of time for you to pay them back, instead of dealing with all of the inconveniences of reporting you and such. Not only that but they’re also hoping that you’ll be a returning customer too. The lenders are often thought of as the enemy but the real vicious ones are the collection agencies that get handed your files when you do not pay or contact the lender to let them know that you do plan to pay. These collection agencies will stoop to all new lows just to find you, even if it means breaking the law to get to you. The reason being that they’re paid a commission for every debt that the recover. Your best defense, or offense I should say is to get ahead of the game. This is the ultimate weapon against the collection agencies, the same people who could really care less about you, whether it’s intimidating you to give them your last dollar that will feed your kids, or from dropping dead from a heart attack because of the stress. So, getting your credit card debt, and other loan balances paid off before they have a chance to get to you, is the offense of choice. You’ll want to contact each creditor, let them know that you’re having some problems, but that you’re setting up a budget in order to pay them. This same budget that you truly are creating is what’s going to help you break through all of your debt. After setting up your budget plan, you then want to check out the balances in your checking and savings accounts, and note how much money you have in each. If managing money is not your strongest point, you can actually open an account at Paypal, which will then give you a chance to get a debit card. This will help you if you want to make purchases that you couldn’t make without a credit card, such as renting a car. Also, you can also get back money for using the card, so paying your bills with the debit card, which is directly connected to your bank account anyways, can earn you up to 1% of your money back. May not seem like a lot but it adds up rather quickly. There are many available resources to you if you’re still having trouble with your debt. The resources that don’t add on to your existing debts are the best ones to go with when in your situation. There are even government loans and grants to those who have a low income, and are in trouble with their credit. You also have debt consolidation, and bankruptcy options to choose from if things turn extremely grim. Be careful and responsible in all of your choices.

Warning signs of poor home business strategies

Copyright 2006 eliasg Every day, countless individuals sign on with various home business strategies looking for a way to find personal freedom and financial independence. Some make wise decisions that lead to a lifetime of prosperity. Too many, however, embrace flawed models that create nothing but disappointment. There are so many home business strategies available, that it is almost impossible to keep track of them. New plans are introduced every day and the business of creating and promoting work at home plans is becoming its own massive industry. That means there are more great options available to those who want to escape the nine to five grind, but it also means there are more scams and dead ends than ever before. Spotting potential weaknesses of home business strategies allows one to cut their losses in a hurry and to seek out a more lucrative opportunity. Understanding some of the warning signs associated with poor home business strategies can prevent wasted effort and involvement altogether. Here are three characteristics often associated with the kind of home business plan that leads to more frustration than profit: First, if you don’t have immediately accessible and truly helpful back-up support, you might be in the middle of a quickly developing disaster. If the opportunity’s support system is simply calling someone in your “upline” who will direct you to spend more and more on motivational products or advertising, that’s just as bad as having no help at all. If the home business opportunity makes you “do it alone,” think twice about participation. If you are already “in,” think hard about getting “out!” Second, if part of the opportunity’s plan involves pitching a product or service to family and friends, you might want to look at it with a skeptical eye. Often, home businesses that focus on “signing up” others are often among the most problematic home businesses. Not all such plans are dead-ends, but enough of them are to justify careful examination. Third, if you sense organization problems with any home business plan, you should see it as a red flag. Waiting for commission checks or not receiving information on schedule can be a definite sign that things are not as solid as you need them to be. Make sure to align yourself with a plan that is solidly structured and well backed. It can be tough to avoid the rotten apples that seem to be multiplying in the work at home barrel, but it is possible to make a wise program decision by exercising an appropriate level of caution. Looking out for problems like the ones mentioned here is a great way of increasing the odds of your own home business success.

Finding the right printer

To produce thousands of copies of a fifteen page brochure at a rate of one page per minute with men working 24 hours a day would perhaps take over a week. But to produce the same quantity of brochures using your desktop printer would take over a decade! Clearly, desktop printing is not really an option in terms of cost, quality and speed. Hence, when you need large volumes of brochure or catalogs to be printed, it is perhaps a good idea to let the professional handle the job for you. There are, however, several things you need to consider in choosing the commercial printer for your particular print job. Perhaps one of the things you need to consider is the kind of printing process used by the printer. Do they use offset printing or maybe digital technology? Is letterpress and screen printing also available? After you have decided on which printing process to use, you now have to determine which printer has the right equipment. Find out the number of colors they can handle, how long they can do the print job and what other equipment and services do they offer. Also, find out what kind of print job each printer specializes and what types of binding and folding equipments they use. But aside from determining which kind of printing method and printing equipment is appropriate for you, it is also essential to know what kind of workers will work with the print job. Understand that although the printing company has the right equipment and printing technique it does not mean that the equipments and facilities will make great print jobs. Look for samples of work of these printers and focus more on their printing technique not merely on their design process. Also, look for clean colors, smooth text and focused images and graphics. It is also a good idea to visit the printer to get a good feel of who you will be working with. And when you meet them face to face, ask them what you want to know about their service. You can ask questions such as how many presses they have and what are the capabilities of each; how long they have been in the business; what software they accepts and what kind of payment they receive. You can also ask their previous customers for feedbacks to know if they are able to meet their customer’s printing needs. It is essential to know this information ahead of time so you would not regret your choice later on. When you are able to find the right commercial printer, they will be able to make your printing job look great.

Artwork for label printing

If you are just getting involved with label printing or are considering outsourcing your label printing needs to a professional, you have probably already encountered a few industry-specific terms with which you may not be entirely familiar. One such term is “artwork.” Artwork is completely unrelated to your favorite museum pieces and does not necessarily refer to “graphical” elements, either. Let us look at what artwork for label printing is all about. In the simplest of terms, artwork refers to the layout of a label’s design. That includes factors such as the actual words used (referred to as the “copy”) and any images that might be involved in the design, as well. In essence, the artwork for label printing is the complete “look” of the label, including all of its components. Artwork is finalized prior to the label printing company’s creation of printing plates or negatives. Depending upon the label printing company with whom you work, artwork may be your responsibility, their responsibility, or a joint effort. In all cases, the label printing firm should provide you with samples, or mock-ups, of your labels before turning the artwork into a final product. Label printing experts often employee design specialists to help with artwork. In some cases, they will actually create the label’s artwork after a discussion with the client and then submit it to the buyer for approval. In other situations, a bare-bones label printing team may require you to provide finished artwork. Understanding the vocabulary of label printing is an important way to make sure you get what you want from the printer. Artwork, which refers to the collective whole of your future label, is an expression with which you will need to be familiar.

Seasonal makeup tips

This is a continuation of the article "Makeup Tips According To The Seasons". Although this can be read separately, it is best to read the previous article first before reading this one. Here are some tips on how to put on eye shadows. Apply first to the under brow a highlighter color like a light neutral color. Apply from the brow to the lid. Examples of highlighter colors to be used on the under brow were pale taupe or gray. Next, apply a second color to the orbital bone like a dark or medium neutral. These colors can be brought halfway to the lid. Examples of colors to be used on the orbital bone were smoked plum, gray, or smoked navy. Apply a third color to the lid. These colors could be the same color as your eyes or a complimentary neutral. Examples of colors to be used on the lid were mushroom, taupe, mauve, cocoa, plum, grayed brown, smoked mauve, or navy. When it came to picking a mascara only people categorized as "winters", with extremely dark eyes, were to wear black. Other "winters" would wear brown-black or brown according to the depth of their coloring. If eyeliner was used, a person was to use only a touch of crayon on the outer third of the upper lid. People categorized as "winters" were given guidelines when it came to hair coloring. "Winters" were to never to frost their hair, bleach their hair, or add red. If they used henna on their hair, it was to be natural or black. Hair colors they could dye their hair with were ash brown or blue-black. Suggestions were given on what "winters" could wear when it came to their clothes. "Winters" were to start their basic wardrobe with neutral and basic colors. White, black, navy and taupe were the neutral colors that could be used for skirts, pants, shoes and handbags. Burgundy, blue-red, true red, true blue, true green, emerald green and pine green were the basic colors that could be used for coats, suits, blazers and basic dresses. Accessories for "winters" were to be silver, platinum, or white gold. "Winters" were to pick perfumes and/or colognes with spicy scents. "Winters" were also given guidelines on which seasons to wear their colored clothes especially for them. For example, when it came to wintertime, "winters" were to wear black jackets, gray skirts, black pants, red dresses and magenta sweaters. Colors for casual blouses could be icy gray, purple, white paisley and black paisley. When it came to a dressy blouse, it was to be white. When it came to a cocktail dress, pants, or skirt; it was to be black. Casual pants and skirts were to be navy. A causal top was to be red. Shoes were to be to be black, navy and burgundy. A regular coat was to be black and a trench coat was to be taupe. An evening wrap could be emerald green and made of velvet. When it came to summertime, "winters" were to wear white jackets and skirts. The color for pants were to be navy and the color for dresses were to be true green. For a dressy blouse, the color was to be purple. A summer sweater was to be a navy knit. Colors for a casual blouse could be a true red, navy and white stripe. When it came to a cocktail dress, pants, or skirt; it was to be white. Casual pants and skirts were to be were to be white as well. A casual top was to be shocking pink. Shoes were to be white, black and taupe. If summer outerwear is needed, it was to be an icy gray trench coat and a white shawl.

Junior wholesale golf equipment

Benefits of Junior Wholesale Golf Equipment There are a number of benefits for individuals that are interested in purchasing golf equipment, and who settle on purchasing junior wholesale golf equipment. Many people may wonder how it is possible to purchase junior wholesale golf equipment and how the companies are able to offer these items at such a discounted price. When individual consumers purchases junior wholesale golf equipment, they can either pay the up front cost of the item, which is typically not inflated, or it is possible to purchase the items in bulk. For an individual to purchase items in bulk, they have to be purchasing more than one item or the same type of goods or services. The reason that so many people are interested in purchasing items in bulk is because the item they are considering purchasing is one that they use all the time and would thus need a lot of the item, or because they are aware that this type of purchase would save them money in the long run. Either way, when individuals are looking for discounted, new golf equipment they can always consider junior wholesale golf equipment. The way the companies make money is fairly simple. If a person purchases just one item at a wholesale price, they are able to purchase the item at a price that would be just high enough to cover the cost of the manufacturer for making the product and, in some cases, the minimal cost of stocking and storing the items in a warehouse for sale. There are clubs that are open to individuals that would like to purchase wholesale items, after paying an annual fee. This also determines how the wholesale company or provider is able to charge low costs for their items such as junior wholesale golf equipment. When a person wants to purchase a large quantity of items such as the junior wholesale golf equipment, it is possible to purchase an entire set of the item that the individual is interested in purchasing. Since the company is confident in the fact that the items will sell, and they have a supposedly guaranteed buyer, they are able to charge less per individual item in the set. This is because if they offer to sell single items that are indicative of junior wholesale golf equipment, they may not sell as many. Sold individually, a person may only purchase three golf balls and three tees, for example. However, when they are sold in sets of 12, the company knows that they will sell all twelve when the set is purchased because of the way that they are packaged. This allows the company to be able to charge less per individual piece of junior wholesale golf equipment. Purchasing junior wholesale golf equipment for one’s self or child is a very important process because families want to be sure that the items that are being purchased are ones that enable the individual to function as highly as possible on the golf field. It can also help when the prices are reasonable, which is part of what makes purchasing junior wholesale golf equipment so attractive.

How to apply for a factoring loan

Factoring is the process of securing money against outstanding accounts receivables for your company. Despite the idea out there that only businesses that are in financial trouble use factoring, it is actually a common practice for many businesses. From time to time, most every business, and especially small ones and start-ups, will find themselves short of cash while waiting for payment on a product or service already provided. What factoring does is allow you to have the money for payroll and overhead while you wait. Factoring loans are not hard to get. In fact, most businesses qualify for factoring of up to 80% of the value on outstanding accounts payable receipts. Despite the ease of them to get, there is an application process involved when using factoring with your business. Knowing how to apply for a factoring loan can make the entire process go more smoothly for you when the time comes to get your factoring loan. How it Begins The first part of how to apply for a factoring loan depends upon what institution you use for the service. If you are using an online financial institution or at least the internet as a means to contact them, you will likely be filling out a simple online application. If you are working with an institution in person, then you will fill out paper work in person instead of electronically. Either way, though, you will fill out similar information about not only your company, but also you personally. Business Part of Application When looking at how to apply for a factoring loan, you can divide the process into three parts. The first of those parts is information about your business. To fill out your factoring loan application you will need, obviously, the name of your company. You will also need to give them the “DBA” if you have one, the physical address of your business, and all other contact information including email addresses, website, and even telephone and fax numbers. From your business, you will also need to make sure you can supply your federal tax ID number and state of formation. What type of business you have in terms of what you do as well as whether your company is an LLC, corporation, partnership, or whatever else yours may be. Personal Information The next part of your factoring application will likely ask for personal information. Again, you will need to have contact information and address. They will also likely want to know what percentage of the company you own. Finally, for credit purposes, they will in almost every case ask for your social security number. Customer Information Finally, when learning how to apply for a factoring loan, you will need some client information. You will likely be asked to supply the names of at least a couple of your biggest customers whose receipts you will be factoring. Additionally, you may have to provide information about how much money’s worth of unpaid A/R you have. Knowing how to apply for a factoring loan is important so that you can have information at the ready when the time comes. You will want to have information about your company, you personally, and your clients. With all of that in hand, you will be only a few hours or days away from the factoring loans you need to keep your business running efficiently.

Unbiased abortion faqs

The topic of abortion is extremely controversial and has received a great deal of media coverage regarding the legality, morality, and constitutionality of the topic. There are a phenomenal number of groups and organizations in existence that are willing to provide their version of abortion facts, but take great care when seeking information on abortion. Many of these organizations or groups put a certain spin on information or only present part of the information in order to show their stance in the most positive light. Depending on the specific stance of the group or organization at hand, either pro choice or pro life, the information can potentially be widely skewed and you will not have the necessary understanding of the argument or the procedure. If you are a woman faced with an unwanted pregnancy and wish to seek out all potential options that are available to you or if you are an individual who wishes to learn more about the topic of abortion before you form your own opinions, be sure to seek out information from unbiased sources. In a topic as complex and widely discussed as abortion, there are few outlets that offer truly unbiased abortion facts. This is mainly because the topic is highly fueled with a number of factors, including religious and moral ones, that can influence your way of thinking. Try to find unbiased sources that are legitimate and trust worthy. Most news organizations are capable of presenting news or current events issues in an unbiased light, so these outlets are a great source of information. However, that being said, many media outlets are run by groups with pro life or pro choice agendas, so the information presented is biased and should not be trusted without first learning the counterpoint. The best way to attain information about abortion is to hear from both sides of the argument. Both the pro life and the pro choice sides have a great many organizations that regularly provide a great deal of information and other abortion facts. By learning about both sides of the argument, you will be better able to form your own opinions and make your own choices. Abortion FAQ Answered The topic of abortion is a widely debated and controversial one in the country, and has been for many years. There is a great deal of incorrect or biased information available from organizations and groups with different agendas. This information may come from a pro life organization or a pro choice organization and has a certain spin so that the specific information is presented in a certain manner so that it benefits that group’s position on the topic of abortion. Although this information may be mostly correct, it can be written in a manner so that it seems to be for or against abortion, depending on the stance of the specific organization. Instead of seeking information from a biased source or only researching one specific organization for information, seek out a number of sources for their abortion FAQ. Abortion FAQ stands for Frequently Asked Questions and can deal with a number of topics and concerns regarding the controversial topic of abortion. Such questions can deal with topics like legality, medical treatment options, alternative options, and emotion support for after the procedure has been performed. You should take great care to ask any questions that you may have regarding abortion, not matter how small or trivial. Seek out answers to all your questions through researching the internet or your local library or by asking medical professionals, clergy, or individuals who have experienced the procedure in the past. Remember, FAQ stands for Frequently Asked Questions, so you are certainly not the first person have these questions regarding a topic as important as abortion. When seeking answer to abortion FAQ, look toward the medical community for help. Ask your physician questions or seek a referral to a physician who will be capable of answering these questions. Look for a second or third opinion for your inquiries in order to receive information from a variety of trained professionals. When asking questions directly regarding the abortion procedure, make sure you understand the details of the procedure in addition to any potential side effects or complications that may occur. By understanding all aspects of the procedure, you will be able to make an informed decision whether to pursue and abortion or not.

Installing ceramic tile in a shower

Installing ceramic tile in a shower starts with a proper foundation. The foundation consists of WonderBoard or Durock cement board on the walls and a Shower Pan Membrane Liner in the base of the shower, if the shower floor is to be tiled too. WonderBoard or Durock cement board, also known as backerboard, are resistant to water and are ideal materials for applying ceramic tiles to high-moisture areas. Durock can be applied directly to wall studs and ceiling joists using hot-dipped galvanized nails or galvanized wood screws. Thin-set or an adhesive mortar can be applied directly on the WonderBoard or Durock cement board for attaching the ceramic tiles. However, fiberglass mesh tape should be applied over all seams and smoothed out with a latex thin-set prior to the application of ceramic tiles. If ceramic tile is desired on the floor of the shower as well, then a shower pan membrane liner should be installed prior to the installation of the WonderBoard or Durock cement board. The shower pan membrane liner is used to ensure a leak-proof shower. Shower pan membrane liners are used to funnel any water that seeps through the floor or wall grout to the shower drain below. The shower pan membrane liner is made up of a flexible type of plastic material that sits below a bed of mortar, and the tile, in the shower floor area. Prior to installing the shower pan membrane liner, the floor of the shower needs to be pre-sloped to ensure that the water will flow towards the shower drain assembly. The pre-slope is accomplished by applying a layer of mortar to the floor of the shower unit area. The layer of mortar is troweled in such as way as to create a gentle slope from the shower wall edges to the center of the shower where the drain resides. Once the pre-slope mortar has cured, the flexible shower pan membrane liner can then be installed. There are a couple of types of shower pan membrane liners on the market, with each having their own benefits. With either type of membrane, the homeowner needs to form and fold the material into the base of the shower area and secure it to the sides of the shower wall frame with staples and/or nails. In addition, an opening in the membrane should be cut out to allow the adjustable shower drain assembly to slip through. With the shower pan membrane installed, the cementitious ceramic tile backerboard can then be secured to the framed shower walls. The backerboard is a rigid material that is ideal for attaching tile in wet areas such as a shower stall. After installing the ceramic tile backerboard, a final coat of mortar needs to be applied on top of the shower pan membrane to protect it and to provide a solid base for laying the ceramic floor tile. With the final coat of mortar cured, the ceramic tile can then be installed in the shower. Once the tile and grout have been installed, the shower drain assembly should be adjusted so that the drain height sits flush with the finished ceramic tile floor. For more information on installing a shower pan membrane liner, see the Shower Pan Membrane Liner Installation EBook from HomeAdditionPlus. The Shower Pan Membrane Liner EBook will quickly teach you the step-by-step process for installing the shower pan membrane liner correctly. It includes instructions on framing the shower stall, pouring the pre-slope and shower base mortar, and installing the shower pan membrane liner.

How to choose the best balance transfer credit card

Credit cards are often the cause of financial troubles for many people today. They are often so easy to get - but they can also be so hard to control. However, by taking advantage of some special balance transfer credit cards, help can be found that could bring some ease to financially tight situations. This article will focus on how to choose the best balance transfer credit card, making sure that the card you pick is the right one for you. What Is A Balance Transfer Credit Card? This particular kind of credit card allows you to take an existing credit card balance, which is at a standard rate of interest - possibly as high as 29%, and put it on another card. The new card makes the transfer appealing to you by offering either a low monthly interest on the transfer, or even no interest on the balance - for the life of that transfer amount. Making this kind of a credit card balance transfer not only makes good financial sense, but it is also easy to do. What Are The Special Gimmicks Of The Card? Obviously, a credit card issuer is not in the business of giving an opportunity like this away without any potential strings attached. Here are a few things that you might want to read the fine print in the offer and look for. • Transfer Charges Some credit card companies seem to want to play with the fact that not everybody reads the fine print. So, for the unwary, there could be a fee for making the balance transfers, or, it is possible that other advantages made in the offer could offset the transfer charges. You will have to look it over and compare it with other card offers. Ideally, if you accept a card with transfer charges, try to get one that puts a cap on the amount - for example, around $60 to $75. • Yearly Charges The transfer may be free, and the interest, but there could be an annual fee for the use of the card. This means whether or not there is any balance on the card - you will still pay the fee for as long as the card is active. Many cards will carry no annual fee. • New Purchases Here is another thing that you need to look for. A balance transfer credit card may offer you 0% interest on the amount transferred, but the amount of interest on new purchases could be very high. • Introductory Rate Every card has an offer to get you to get their card. One common feature is the promise of a low rate for new purchases. Be careful about focusing only on the promise of 0% interest on credit card balance transfers. Check out the length of time for the introductory interest rate, toopare that also with other card offers. What Are You Going To Use The Card For? Another consideration about which card to choose should be based upon why you need such a card. If you have a lot of credit card debt, then the purpose should be only to put on the card your current credit card balance transfers. This means that you should try to get a card with 0% interest on the balance transfer amount, and that you will not use it to make new purchases. Also, seek to pay as much as you can as quickly as you can. When choosing your balance transfer credit card, the ball game is in your hands. It can either help you - or hurt you, if you get a card too hastily. Do a little research, compare cards, and then proceed with comfort - knowing that you got the best one for your needs.

Alison s journey book review

The dedication in this book is a work of poetry in itself. I had a distinct recollection of ‘Sleeping with the Enemy’ when reading this book, but this story has some very unique twists and turns. The characters seemed very real to me – I live in a small town and we are just like that! Here, we are shown the psychological cycle of the victim of domestic violence (Alison) and her growing awareness that some things can change for the better, trust can be had and given, and faith in inner strength can grow. Like many who crawl out of hellish conditions, Alison did not do it on her strength alone, but through a few strong, giving individuals who contributed a gesture or a friendship along the way. Yet, most healing of all is to find a new, healthy love and good, solid relationships with others – a most difficult thing for victims of abuse to do. If it was the author’s intent to use the main character to bring depth and understanding into what people go through in situations like these, then she accomplished this goal admirably! Readers are shown how being rich, good looking and well-educated – having all the benefits one could desire - cannot lead to happiness. Mr. Bruce Cockburn says it best in a song of his which says ‘though chains be of gold, they are chains just the same’. Amey Tippett has accomplished a work of art with this book. I really felt like I was right there watching the children play during the festivals and feeling the pain and fright of impending danger, and endured the hellish nightmares along with Alison. This was a fantastic read and I would not hesitate to recommend Alison’s Journey. ISBN#: 1413740073 Author: Amey Tippett Publisher: Publish America