Get Yellow From A Grey Beard

Shampoo the yellow out of your beard.

For most men, graying is a fact of life. When worn with confidence, gray in a beard looks distinguished. Yellowing is a common problem as gray hair ages. Several brightening shampoos and conditioners are on the market for gray hair and also can be used on beards. These product contain toners that gently dye gray hairs. The dye tones down brassiness to remove the yellow and returns the beard to a crisp, vibrant gray hue.

Instructions

1. Wet your beard with distilled water. The chlorine in tap water is often partially responsible for yellowing in gray beards.

2. Lather the brightening shampoo in your beard. Work it in to make sure all of your beard is covered, not just the yellow hairs.

3. Rinse the shampoo out with distilled water after the manufacturer-recommended set time. Do not exceed the set time. Prolonged exposure may give the gray in your beard a bluish tint.

4. Pat your beard dry with a clean towel.

Are My Large Pine Trees Worth Money

Pine trees provide winter protection for birds who gather in the thickest uppermost branches.

Your large pine trees may be valuable to timber-harvesting companies that sell them for lumber. The largest trees supply a greater volume of wood that can be milled into boards, siding and framing materials.

Initial Plan

You should determine exactly what you want to sell, making sure that the trees are actually on your property and are legally yours to dispose of. Prospective buyers are usually more interested in larger trees, as they produce more clear wood than smaller trees, states the Missouri Department of Conservation.

Research

Investigate the market to learn the demand for pinewood and what the going rates are. Generally speaking, the more large pines you have to sell, the more you can charge, as it costs less to harvest a larger number of trees than just a few. Consider where your trees are located, as that can affect the price based on distance and amount of effort needed for harvesting and transportation.

Expert Insight

The U.S. Forest Service recommends contacting your state's forestry service or a local university for help in determining the value of your pine trees. Visit the National Association of State Foresters website to find contact information for your area. The site also offers a complete listing of professional forestry consultants.

Compare Worldwide Shipping Rates

Shipping a package internationally can be confusing. Rates can vary dramatically based on weight, size and location. Before choosing a carrier, you will want to compare the different costs and travel times associated with shipping internationally.

Instructions

1. Pack up the papers or products that you need to ship internationally. Gather information regarding the shipment including the value, the content and the location for the custom forms that are necessary for shipping internationally.

2. Weigh the envelope, and measure the dimensions of the envelope or box.

3. Determine the value of the package you are sending and how much insurance you will need.

4. Contact the three major international carriers, FedEx (http://www.fedex.com), UPS (http://ups.com), and the US Postal Service (http://usps.com) via their websites for online quotes. Use the weight and/or dimensions as well as the country to get an estimated shipping price including insurance costs.

All three of the major international carriers have similar online calculators. Here is a sample of what you can expect to fill in as you use the USPS online international shipping calculator:

-Destination (country only)

-Shape of what you are sending based on shape and measurements (postcard, letter, large envelope or package)

-Weight in pounds and ounces

From those three bits of information, the online calculator will be able to estimate shipping costs for all levels of USPS International Shipping Service.

5. Compare the costs that you receive to find the carrier that meets your international shipping requirements.

Write An E-book To Market On The Web

Write an eBook to Sell on the Internet

We live in the information age where if people want something, they want it immediately, without delay. eBooks are becoming all the rage since they are easily transmitted, easily stored, and are practically free to produce. Now is the time to write your own eBook and sell it for a profit.

Instructions

1. Choose a topic, preferably one that you are passionate and knowledgeable about. Think about experiences in your life where you learned something, and how you can share this information with others. Think about your talents and skills, and what you can teach others. How-to eBooks are the best sellers. For example, a cake decorator may want to write an eBook about "Make Themed Cakes."

2. Make an outline. If you wrote term papers in high school or college, you can write an eBook. Decide what your major topics will be and create an outline of the topics, in chronologial order if applicable. Jot some ideas down in a journal for a few weeks before you start writing the book.

3. Do your research. Just like writing a term paper, you must present some facts to back up your ideas. Surf the internet for other articles or websites that support your ideas. Find resources to help your reader, such as forums, articles, and blogs relating to the topic. Save the links to these sites for later.

4. Write your eBook using WORD or other word processing software. You don't have to purchase expensive eBook software to write and distribute an eBook. Your eBook can be any length, but remember that people like to get their information quickly, so you don't want your book to be too long. Remember that your readers will have a sense of urgency about learning the topic of your book. If your eBook is very long, consider splitting it up into several smaller eBooks on different specific topics. Using the cake decorating example from above, the author may want to write several eBooks explaining create shaped cakes, ideas for children's birthday cakes, use fondant icing, cake recipes, etc.

5. Ask friends, family, and co-workers to proofread your eBook. Ask for honest input and suggestions that will improve your book. Correct any mistakes and make any changes.

6. Add photos to your eBook. If possible, use your own. For example, our cake decorator may want to show photos of her completed cakes, steps in the decorating process, photos of ingredients, her particpation in contests, awards she has won, etc. If you don't have your own photos, use free photo sites on the internet. Just like in magazines, photos make reading more interesting.

7. Convert your document to a PDF file. You can find several free services on the internet to do this. Try PDFonline. Converting the document to a PDF makes it more difficult for others to copy your work. Documents in PDF are more easily transmitted via email and downloads, and they look more professional.

8. Consider writing an eBook to promote your business. When you are the author of an eBook, you can add links to your website, affiliate programs, blog, or online products. You are in control. You can create an affiliate program and allow others to sell your eBook on their websites for a commission. You can give your eBook away as a free gift, knowing that readers will visit your links and may become your customer. Check my eHow article, "Market Your eBook Online," and visit the resource links for more information about writing your own ebook.

9. Another great thing about ebooks is that you can make money from advertisers. Check the resources links below for how this passive income strategy works.

Aspects Of A Discretion Agreement

Signing a confidentiality agreement is a common practice in the business world.

In the world of business, information is power. With the right information, trade secrets can be revealed and customer privacy can be compromised. Many companies go to extreme lengths to secure their information, often employing confidentiality agreements. These agreements are tailored to protect sensitive information that could be detrimental in the wrong hands.

Party Identification

The first part of a confidentiality agreement is a description of the parties involved. In agreements where one party is providing confidential information, the disclosing party is identified as such and the other is identified as the recipient. Affiliated companies, partners and agents of the recipient are generally required to sign a separate agreement or become part of the initial agreement if they are going to be receiving confidential information.

Description of Confidential Information

Both parties have a vested interest in a clear definition of what is confidential. The disclosing party usually wants a broad definition to prevent the recipient from using any loopholes in the agreement. Conversely, the recipient will want confidential information clearly identified and the allowable uses of that information defined.

Exceptions to Non-Disclosure

There are circumstances where disclosure on the recipient's part does not constitute a breach of the agreement. That occurs when the confidential information is made public by someone other than the recipient. It also occurs if the information is provided in a nonconfidential manner or was provided when the information was deemed non-confidential before the contract was signed. The last exception is if the recipient is compelled by law to provide the information, although he is required to alert his employer before disclosing the information.

Term of Agreement

Another important element of confidentiality agreements is the length of time that the recipient must keep the information confidential. Some companies require indefinite confidentiality but most simply use a set number of years after termination for confidentiality to be maintained. This varies depending on the nature of the work and the agreement.

Disclosure Consequences

Many confidentiality agreements also spell out the consequences of a non-exempt disclosure. This almost always includes termination if the recipient is still an employee. Whether he's still an employee, he might face legal action for breach of the confidentiality agreement. This is not limited to intentional disclosure. A broadly enough defined agreement can have consequences for disclosures caused by a lack of due care when handling confidential materials. Recipients are encouraged to take whatever steps are necessary to secure confidential information.

Additional Provisions

Other provisions commonly involved in confidentiality agreements deal with the return of company property after termination, protection of any confidential information previous employers entrusted to the recipient, what jurisdiction's governing laws will be applied in a dispute, and rights to injunction in the case of a breach of agreement.

Junk Food Restaurant Strategic Business Plan

Starting a fast-food restaurant requires a business plan.

Success in any new business begins with a business plan, and a fast-food restaurant is no exception. Business plans open with an executive summary, which is an overview of the information provided throughout the plan. The business plan functions like a blueprint that guides the business owners from the start-up into the first three to five years of operation. A start-up business plan for a fast-food restaurant documents every detail of how the location will operate.

Executive Summary

The executive summary estimates how much funding will be required to start and operate the fast food restaurant until it becomes profitable. Income projections for the first three to five years also should be identified in the executive summary.

A description of the proposed fast-food restaurant, which identifies the unique aspects of the operation, should be included in the executive summary. The break-even date is an important milestone in any start-up business plan and must be identified in the executive summary.

Even though the executive summary is placed at the beginning of the business plan document, it should be the last part written. You need to have the content of the plan for your restaurant in place before you can draft an executive summary.

Restaurant Concept

The concept, theme and type of cuisine to be served are essential components that should be documented in detail in the fast-food restaurant start-up business plan.

Start-Up Expenses

The restaurant start-up business plan budget must document each anticipated expense. There will be one-time start-up costs, such as initial construction, building alterations and equipment and furniture purchases. Administrative costs, such as a business license, permits and labor, also are included in the start-up business plan for a restaurant. Ongoing expenses, such as packaging and supplies, also should be included.

Budgets

The start-up budget identifies the costs to open the fast-food restaurant. Every business has fixed expenses and variable expenses. The fixed expenses are expenses that are the same every month, such as mortgage payments and utilities. Variable expenses can occur monthly, quarterly or annually, such as marketing activities and advertising expenses. Emergency repairs would be an example of a variable expense.

Marketing and Advertising

Advertising and marketing plans are essential components in a restaurant business plan. The advertising and marketing plans determine what methods will be implemented to promote the restaurant. Media advertising campaigns, such as print and television and network marketing, are examples of marketing and advertising plans.

Advertising and marketing account executives assist restaurant owners in the development of newspaper advertisements, radio ads and marketing activities. Marketing activities, such as participating in Chamber of Commerce events, are popular methods of promoting a restaurant.

Begin A Fundraiser Talking to Business

Start a Fundraising Consulting Business

Organizations hire fundraising consultants to provide assistance in developing strategic fundraising plans designed to help them reach their financial goals. Beyond researching an organization's past fundraising activities and determining how they should approach future fundraising efforts, consultants often manage volunteers, head up public relations efforts and build donor prospects. They are skilled at connecting organizations with potential vendors, suppliers and campaign supports. Fundraising consultants work as contractors charging an hourly, daily or per-project rate.

Instructions

1. Establish yourself as a fundraising professional by working as an employee for a firm or non-profit organization. Experience and the ability to prove measurable results are key in branching off on your own to become a fundraising consultant. Join an organization like the National Society of Fundraising Executives to network with other fundraising professionals.

2. Determine the type of fundraising services you'd like to offer potential clients. Some fundraising consultants specialize in specific areas, while others offer a wide range of services based on their experience and education. Services may include planning and hosting events, grant writing, coordinating direct mail fundraising efforts, organizing online efforts, providing feasibility studies, staff training, planned giving and campaign management. Decide how much you'll charge for each service you provide and whether you want to receive hourly, daily, retainer or per project fees.

3. Create a concise business plan that outlines how you'll operate, finance and market your fundraising business. Determine where you will get your start-up funding.

4. Come up with a business name, register it with your state office and obtain any licenses you need to operate. Familiarize yourself with local and fundraising laws and procedures. Decide whether you'll run your fundraising business from home or lease office space. Set up a home office in an area that's from free distractions and large enough for client meetings.

5. Work with a graphic designer to create a logo and business card for your fundraising business. Have the designer create a letterhead you can use when communicating with clients, sponsors, colleagues vendors and suppliers. Work with a website designer to create an online presence for your fundraising business. Your website should describe your business, outline your experience and give potential clients a way to get in contact with you.

6. Begin to blog on your business website to create a place where potential clients can come for expert advice, tips and news on fundraising.

7. Connect with local businesses and organizations in your target area who may need fundraising services. Attend networking events, join local business associations and pitch stories to local publications that offer tips for raising funds, securing donors and recruiting volunteers.

8. Research fundraising software and purchase the one that best suites your business' needs. Fundraising software helps consultants diversify fundraising efforts for clients, track and analyze results, manage contacts and their information and prepare reports for presentation to organizations. Popular fundraising software includes Fundraiser's Edge, DonorPerfect and DonorExpress.

Operate A Food Home-based Business

Starting a home-based food business is an ideal entry point into the high-demand restaurant industry if you aim to capitalize on your culinary and entrepreneurial skills. Home-based catering or specialty food ventures carry relatively low business risk and allow you to meet underserved niches within the competitive food service market. Knowledge of business practices and adherence to food service standards are essential to running a successful food business out of your home.

Instructions

1. Survey the local population to determine culinary tastes. Visit local hotels, restaurants and clubs to research regional dishes. Research local cuisine through books, the Internet and discussions with friends and neighbors.

2. Contact your local public health department and apply for a permit to run a food business from home. Your home must be in a noncommercial zone and fulfill all Food and Drug Administration regulations to secure a permit.

3. Designate a section of your house for food business. Do not allow pets or children into this area. Maintain an adequate water supply and space for cooking utensils and equipment. Proper lighting, ventilation, drainage and storage space are necessary.

4. Recruit employees if necessary. You must register or incorporate the business and obtain an Employer Identification number and state tax ID to hire employees.

5. Specialize in producing one type of item such as cakes, buns or chocolates. This will ensure that you develop your own market among the other home food businesses in your region.

6. Distribute flyers, brochures and other promotional materials to let people know about your home food business. Establish a website that includes details of food items and contact information. Volunteer to supply food free of charge to parties and other events in your neighborhood to demonstrate your culinary skills.

7. List your home food business in Google Maps and other local online search engines to promote your services beyond your local region.

Famous Embezzlement Cases

The United States has seen its fair share of famous embezzlement cases over the years.

Embezzlement entails theft; it constitutes the appropriation of funds by an individual entrusted with the money or assets of others. For example, an accountant stealing from a corporation or a principal misappropriating public school funds for personal use. The United States has seen its fair share of famous embezzlement cases over the years, as well as other high profile criminal charges in which embezzlement figured in some form or another.

First National Bank of Chicago

Agents of the Federal Bureau of Investigation arrested four employees of the First National Bank of Chicago for embezzlement in March of 1988. The case found instant notoriety in the United States on account of the enormous sum of money involved. The First National Bank employees attempted to transfer approximately $70 million to various "dummy" accounts in Australia. A dummy account is an anonymous or untraceable bank used to store funds in cases of theft or embezzlement. Financial firm Merrill Lynch thwarted the theft when it discovered a $20 million overdraft in its account with the bank.

The Continuing Story of Robert Vesco

Financier Robert Vesco proved a prominent figure in a number of famous embezzlement cases throughout the 1970s. The Securities and Exchange Commission accused the former corporate tycoon of embezzling approximately $224 million. Before he stood trial in the United States, Vesco vanished, leading the CIA on a chase that ended in Havana, Cuba, a country that refused to extradite the financier. Vesco also figured into the Watergate scandal and stood accused of making illegal donations of more than $200,000 to Richard Nixon's reelection campaign in 1973.

The Dane Cook Case

The famous embezzlement case involving comedian Dane Cook came to a conclusion in 2010 when courts found Darryl McCauley, Cook's half brother, guilty of embezzling millions of dollars. The embezzlement took place between 2004 and 2008, during which time McCauley served as Cook's business manager. Cook and his half brother had worked together since the start of the comedian's career early 1990s. Finding the business manager guilty of 27 counts of larceny, as well as forgery and embezzlement, Massachusetts's courts sentenced McCauley to five to six years in prison. The most egregious single incident involved a check for $3 million McCauley wrote to himself and forged Cook's signature on.

Girl Scout Embezzlement Scheme

In February 2011, courts charged Edmond, Oklahoma, Girl Scout troop leader Christa Utt with embezzling more than $5,000 from the organization. Utt embezzled funds from the sale of cookies, as well as from a donation made at the request of the deceased mother of one of the troop members.

This case proved part of an ongoing chain of Girl Scout embezzlement cases that have attracted national attention in the United States during the early years of the 21st century. In 2009, California-based Girl Scout bookkeeper Janet Daily embezzled $13,000 from the organization, while Laura Towery Farrell of North Carolina embezzled nearly $8,000 from local Girl Scouts in 2007.

Bernie Madoff

In 2008, financier Bernie Madoff was found guilty of a $50 billion "Ponzi" scheme, a complex form of embezzlement that allowed Madoff to steal money from investors while paying it back with capital earned from new investors. Those new investors would be paid back with capital from other future investors, though none of these people would receive full remuneration. The exposure of Madoff's scheme and the loss of the funds therein proved devastating for individuals who had invested life savings in the scheme, as well as organizations such as Yeshiva University, which invested important operating capital. The collapse of the scheme seriously impacted stock prices and hedge fund values in numerous sectors.

Other Famous Cases

In November 2009, Matthew Mercuro, chief financial officer for the companies of professional skateboarder Ryan Sheckler, stood accused of embezzling approximately $365,000 from the athlete. In an even more high-profile case, the co-conspirators and widow of Chilean dictator Augusto Pinochet stood accused of laundering tens of millions in embezzled public funds. Though the embezzlement occurred during the 1970s, 1980s and 1990s, the case remained open in the first decade of the 21st century.

One of the most famous court cases in American history, the Lindbergh Kidnapping, involved the kidnapping and murder of pilot Charles Lindbergh's 20-month-old son. Embezzlement was one of the many crimes the perpetrators of the kidnapping were found guilty of.

What Goes On Should You Bounce A Pay Day Loan Check

Bouncing a check to a payday lender can create even more problems.

Payday loans can be a solution for people with short-term financial needs. Qualifying for a payday loan only requires proof of income, references, a utility bill and a bank account. As long as the loan is repaid on the due date, there generally are not any issues with using the service. Problems can arise, however, if a borrower cannot pay the loan back. If this is the case, there are several consequences to bouncing a payday loan.

Bank Fees

Each time the check is presented to the bank and the funds are not available to cover the check, the bank will charge non-sufficient funds (NSF) fees. Theses funds vary by bank, but are generally $30 or more. The payday lender can present the check multiple times, depending on the payday lending laws of the state the lender is licensed in. Most payday lenders present the check twice before beginning collection procedures.

Phone Calls

Payday lenders whose checks are declined for payment will call the borrower and the references the borrower provided to get the payday loan. This can lead to embarrassment for the borrower

Demand Letters

Payday lenders will send letters to borrowers with defaulted loans demanding payment for the amount owed.

Small Claims Court

To recoup their losses, a payday lender will take a borrower to small claims court and sue for the amount of the loan, penalties, attorney fees and interest. If the borrower does not come to court to defend his case, the court normally issues a summary judgment for the payday lender.

Wage Garnishment

Payday lenders that have received a summary judgment from a court are allowed to request that a borrower's employer garnish the borrower's paycheck to recover the amount awarded the lenders.

Credit Score

Payday lenders that send unpaid loans to collection agencies will create a negative item on a credit report. This can lower a credit score significantly. Also, because it was a check that went unpaid, the payday lender can report the bank account to check verification companies, which will prohibit the borrower from writing checks to any establishment in the future.

Winning Methods & Tactics For Effective Job Searches

Most jobs are filled through networking.

Landing a job can be tough even in the best of times. But when the economy takes a turn for the worse, finding a job is even more of a challenge. Taking the time to assess your talents, your skills and the type of job you want can help a great deal. So can knowing where to look for the job of your dreams.

Placement and Temp Agencies

Placement agencies, recruiters and headhunters can all be very helpful allies in your job search. If your job qualifications fall into a specific niche, such as IT, sales or professional services, going to a placement agency can help you find the hidden opportunities that are not always advertised online and in the newspaper. A professional recruiter can also give you some valuable job hunting tips and inside information on the companies you apply to.

Temp agencies can be very valuable to your job search as well. It is easier to get a job when you have a job, and taking a temp assignment gives you an insider's access to the companies where you are placed. You can see how the company operates, and more important, you can get advance notice of any permanent positions they have open.

Social Networking

Social networking can be an excellent way to find out about job opportunities, especially if you stick to professionally oriented social networking sites. These professional sites give you the opportunity to reconnect with former clients, colleagues and coworkers, and chances are one of those contacts has information about a job that might fit your needs. Sign up for these sites, post a resume or professional profile, and start putting the word out that you are looking for a new opportunity.

Professional Organizations

If you are looking for a career in a particular niche, consider joining a professional organization that caters to that type of business. Holding a professional membership can make you look better to potential employers, but it also gives you the opportunity to attend local events where you can meet business owners, managers and others who are in a position to give you a job.

Newspapers

The newspaper might seem like an old fashioned way to land a job, but a large number of positions are still advertised this way. If you are looking for a job, take a few minutes each day to pick up a copy of your local newspapers. Go through the help wanted section, circle the listings that interest you and follow up to apply. Follow the job application instructions carefully. Some jobs require that you apply online or by email, while others request a cover letter and a resume.

Job Fairs

Attending job fairs is an excellent way to meet a large number of job contacts quickly. When you find that a job fair is happening in your area, take the time to polish your resume, and bring a stack of business cards as well if you wish. Talk to each business about the positions they have available, discussing your qualifications and experience as you go. Leave each contact with a business card and a resume, and get a business card in return. Be sure to follow up after the job fair and let the recruiter know that you are still interested.

Grants or loans For Opening Each Day Care Facility

The demand for quality day care facilities continues to grow. In a 2006 study, the Bureau of Labor Statistics predicted that in the next decade the day care industry would grow 34 percent. The projected growth in this industry offers day care start-ups an excellent chance for financial success. To encourage continued growth in this economic sector, the government has made available a number of grants for both for-profit and nonprofit day care providers.

Finding Grants

The federal government offers a number of grants through its 26 governmental agencies. These grants cover a number of child care and family welfare programs. Nonprofit and for-profit day care facilities can take advantage of these grants to finance the start-up of their businesses.

Start-up day care facilities can locate grants through a centrally located governmental grant database at the web portals Business.gov or Grants.gov. At Grants.gov, start-up day care providers can learn about the different grants available, apply for grants, and the contact information for each grant administrator.

Nonprofit Grants

The majority of day care grants available are given by the Departments of Education and Health & Family Services, and the Administration of Children & Families administers nonprofit organizations. Before applying, new day care start-ups must have the Internal Revenue status of 501(c) (3), a non-for-profit. Child care organizations that provide education and care of children away from their homes, and if the care provided enables the guardians to be gainfully employed, qualify for 501(c) (3) status. Operators of such organizations draw a salary and other benefits, but do not directly profit from the business.

As an added benefit of becoming a non-for-profit facility, the government will allow 501(c) (3) day care facilities to be eligible for other grant programs related to children, including their care, feeding, and education. An example of such a program is the National Endowment of the Art's American Masterpieces: Dance grant. This financial grant is between $15,000 and $150,000; its goal is to create a curriculum-based educational program for children to engage in and to expand dance audiences in communities. A 501(c) (3) day care facility offering a dance program as part of its weekly curriculum would be eligible to apply as long as it offers a recital program to a community.

For-Profit Grants

Getting a grant for a for-profit business is difficult, but not impossible. For-profit day care businesses need to have flawless grant proposals, since they will often compete against nonprofit day care facilities for the same funding. The Head Start and Early Head Start programs funded by the Administration of Children & Families are an excellent example of For-Profit and Non-Profit 501(c) (3) day care facilities competing for the same grant.

A grant program by the Department of Defense (DOD) is one example of a grant that does not consider a day care's IRS status. It is called Military Child Care in Your Neighborhood (MCCYN). This grant program provides day care funding for military personnel. To qualify for MCCYN, the day care center needs to have a program in place that the DOD considers a high-quality educational program.

State Grants

States also offer grants for for-profit and nonprofit 501(c) (3) day care facilities. These grant programs are often affiliated with the state's Education or Health and Family Services department. To find state-specific grants use the grant search engine at Business.gov or visit the state's web portal.

Women, Veterans, Minorities, and Disabled People

The government gives special consideration to women, minorities, Native Americans, veterans and disabled people seeking grant money to start a day care facility. One example of this is the Department of the Interior's grant programs specifically designated to promote Native American education and family services.

Make Use Of A Brother Intellifax

The Brother Intellifax machines are fax machines that use laser technology to print . A Brother Intellifax is recommended for use in home-based offices as well as small businesses. The Brother Intellifax will store about 250 sheets of paper and has different memory capacities in order to store your faxes.

Instructions

Basic Features

1. Make sure that your Brother Intellifax is connected to an open phone line by connecting a telephone cable from the "Line" slot on the Intellifax to a modular wall jack. You also need to plug the Intellifax into an electrical outlet.

2. Pull out the folded ADF Document Support piece at the back of the Brother Intellifax, and also attach the output support piece to the front of the machine. Those pieces are used to store faxes that you send and receive.

3. Insert paper into the tray of the Intellifax. You will find a release lever at the front of the machine that you need to hold down while you pull the tray towards you. Adjust the guides inside of the fax machine's tray to hold the size paper you wish to use. Use the markings as an indicator of how much paper you can fit inside the fax. Push down the support flap at the top of the paper before closing the tray.

4. Select a receive mode on the Brother Intellifax to set how your machine will accept faxes, telephone calls, or route calls to an answering machine. Options include "Fax Only," "Fax/Telephone," "External Telephone Answering Device," or "Manual."

5. Place a sheet face down into the document feeder if you wish to send a fax. Manually enter the fax number that you are sending to. Press the "Start" key to send the fax.

Advanced Features

6. Store your speed dial numbers. Select "Menu" and then type "232." Choose the speed dial location by typing the corresponding three digit location number. Enter the number and then select "Menu" again.

7. Forward your faxes from the Brother Intellifax to a different location. To do that, press "Menu" and "251." Select "Fax Forward" from the available options. Enter the fax number you want to forward to and press "Menu" to save the information.

8. Make copies using your Brother Intellifax. Select the "Copy" button on the main interface. Load the document into the feeder and manually enter the number of copies you want to make, up to 99. Click "Start" to make the copies.

9. Print out reports from your Brother Intellifax. Select the "Reports" key from the main fax menu. Scroll through the options with your arrow keys and make your selection with the "Menu" key. Report possibilities include "Fax Journal," "Transmissions," "User Settings" and "Quick Dial."

Paramilitary Training Schools

Paramilitary groups perform many of the functions of a conventional army.

As of January 2011, hundreds of active, recognized paramilitary organizations operate within the United States. Though their function is not the same as a conventional military, they train using many of the same techniques and operate as militias defending their constituents. In short, they perform duties similar to a personal army or security force. While not every paramilitary organization can necessarily be classified as an extremist group, the large minority identify with fringe politics. Generally, paramilitary training schools can be grouped into one of three key areas.

Establishments Providing Training to Law Enforcement and Security Officers

Police force training is generally regarded as a type of paramilitary school.

The most common type of paramilitary training school involves the completely legal, and often taxpayer-funded, training of police officers. Examples include recognizable state-funded police forces such as the California Highway Patrol, New York State Police or the Royal Canadian Mounted Police. Because these schools are required to operate within full purview of state and national laws, they must adhere to stringent standards of conduct and discipline.

Survivalist Organizations

Many groups emphasize survival in harsh conditions.

General public perception of paramilitary organizations tends to gravitate toward survivalist organizations. More often than not, their structures are much more diffuse than that of a police training organization; however, they offer many of the same types of training. They specialize in small arms, survival skills and map reading. While not every paramilitary/survivalist organization can be identified with fringe political beliefs, many can: Council of Conservative Citizens, American Front and Militia of Montana, to name a few.

Mercenary Training Camps

For the most part, mercenary training camps also operate within the bounds of the law, though they do not enjoy the same kind of funding or support appropriated to police force training. For a fee, mercenary training camps accept average citizens and train them to survive combat situations, often through use of the same types of tactics employed by conventional militaries. Though it is not the stated goal of this type of paramilitary school to produce mercenaries or soldiers for hire, they often achieve exactly that function.

Criticism

Events of the 1980s and onward have produced a fair degree of criticism aimed at paramilitary groups, with special focus aimed at the survivalist and mercenary training organizations. Given that an increasing number of paramilitary organizations and schools espouse radical ethnic and cultural beliefs, the American Anti-Defamation League has been one of the main critics. The ADL insists that, aside from promoting radical and intolerant agendas, the existence of such groups hinders federal and state governments' efforts at controlling the flow of illegal firearms and specialized military knowledge.

To the contrary, proprietors of so-called "mercenary" training establishments insist they are simply asserting their rights under the constitution. Frank Camper, operator of one of The Merc School, after two of his students were involved in terrorist activities, stated that he operates "strictly within the law."

The ADL currently lists 19 extremist groups who are active in recruiting, training and arming like-minded citizens for some type of paramilitary action.

Exterior Peer Review

A peer review involves a critique by other professionals in the same business, with the same qualifications and credentials. Peer review is used in a variety of industries and is a widely accepted form of critical analysis of a professional's work. Healthcare fields are known primarily for using the peer review system. Doctors evaluate other doctors; nurses review the work of other nurses. A third party who doesn't work with the subject and has no ties except for the same credentials does an external peer review.

Who

Consulting firms that specialize in providing external peer reviews often are called in to perform a job review. While healthcare providers are widely known for their use of peer review services, other industries such as accounting firms and educational institutions, governmental bodies and scientific organizations utilize external peer review consultants. Nonprofit organizations such as the American Medical Foundation and the American Institute of Certified Public Accountants can provide peer review referrals.

What

A peer review may include a random selection of the books of a company or of various cases handled by a physician. In the case of legal proceedings, an external peer review report can be called into testimony. A single case may be studied and analyzed by the professionals called in to perform the review. When various institutions apply for industry accreditation or certifications, an external peer review often is utilized as part of the overall vetting process.

Why

External peer reviews also are referred to as independent peer reviews. As such, they remove any questions of bias or prejudice when a report is needed for certification or legal purposes. An independent reviewer often never meets the subject of the review and makes recommendations based on the records and charts of the physician or accountant. An outside third party provides a level of credibility to a report when a company is seeking funding.

When

Many organizations utilize external peer reviews as a part of regular company audits to maintain a level of service and avoid problems. When a doctor or company executive does become involved in a controversy, a third party can be called in to avoid a conflict of interest that could arise if a review was done by a peer within the organization. Mediators often rely on the reports of independent peer review reports to assist in conflict resolutions.

How

Look for independent peer review companies that have been approved by the Utilization Review Accreditation Commission (URAC). URAC is a nonprofit organization that maintains certain benchmark standards with their own set of reviewing rules. The URAC helps to provide standards when healthcare operations need a rating on which to rely.

Arm & Back Spasms From The Mouse Button

Mouse placement, your chair and how hard you grip the mouse affects your muscles.

Using a computer's mouse may lead to pain in your wrist, forearm, elbow and even back, causing you discomfort even when you are not sitting at the computer. How you position and use your mouse may lead to muscle spasms, which you may correct by changing your habits or using an alternative device.

Mouse Positioning

Having to reach for your computer's mouse on a regular basis can lead to problems with your arm and back. The repetitive movement of reaching for your mouse dozens, if not hundreds, of times a day puts an extra amount of stress on your arm and back, leading to muscle fatigue and spasms. Reaching for the mouse leads to you leaning forward in your chair, which puts extra stress on your back muscles. Ideally, you should sit reclined back slightly instead of leaning forward. Reaching forward to use the mouse also causes you to lean on your elbow, wrist or other part of your arm, stressing your arm muscles over time.

Proper Chair

Investing in a good office chair will help you avoid muscle spasms in your arm and back after using your computer's mouse for extended periods of time. Chairs that have adjustable armrests allow you to rest your elbow, no matter the height of the desk, helping your arm muscles to not become overly stressed. A chair with lumbar support and the ability to recline back slightly helps your back relax as you work, keeping you from leaning forward in the chair.

Mouse Usage

Using your computer's mouse in certain ways will lead to muscle problems with your arm. Instead of gripping the mouse tightly with your hand, rest your hand lightly on the mouse. Many modern computer mice come with a textured or rubberized surface, making using the mouse without apply much pressure with your hand manageable. If possible, use your mouse with your other hand for a few days until the muscle spasms and any related pain disappear.

Mouse Alternatives

You may further reduce muscle pain and the risk of future spasms by investing in a mouse alternative. Trackballs only require you to use your fingers to move the roller ball. The action of moving the roller ball with your finger places less stress on your arm muscles, according to Dr. John S. Gillick, of the Center for Occupational and Environmental Medicine in San Diego. Using a touchpad instead of a mouse or a trackball also does not require you to grip while using the computer, also helping reduce any stress placed on your arm muscles.

Wire Money Right Into A Banking Account

Wire Money Into a Bank Account

Whether you are sending birthday money to a relative or repaying someone for money you owe, you can wire money into a bank account in a matter of minutes or hours. Transferring funds from your bank or credit union account, or through a money transferring service like Western Union, will allow the party on the receiving end to access the funds from his or her bank account the same day. Learn wire money into a bank account.

Instructions

1. Fill out a wire transfer form at your bank or at a location that services money transfers. Even if you are completing the transaction through a method other than in person, all methods require you to provide the receiver's name, financial institution's name and ABA routing number, along with the receiver's personal checking or savings account number. At your request, your financial institution may contact the recipient directly. The bank or credit union representative can verify ABA routing and account information over the telephone.

2. Authorize the deposit of funds from your checking or savings account into the person's bank account you are sending money. If you have performed a wire transfer in the past, you can send funds by going to a branch or online, or by speaking with a representative over the telephone. If you are using a money transfer service rather than your financial institution, you can send funds by going to an authorized agent location, completing a transaction on their website or over the phone, much like a bank or credit union.

3. Agree to the deduction of a fee charged to your account by your bank or credit union or pay the upfront fee imposed by the servicing center, with your credit card or debit card. Some institutions charge $10 or $12 per transaction within the United States, while others charge $25. Wire servicing centers charge from $9.99 to $43.99 depending on how much and to what destination the funds will reach within the United States. Sending money internationally by any method can cost more.

4. Seek the assistance of a financial institution representative or money transfer servicing agent. The representatives of two financial institutions involved in the wire transfer process may interact periodically. However, your involvement is limited to interacting with your own financial institution and the person to whom you are sending the funds. You will not personally contact their bank or credit union to inquire about the status of the transferring money. They, in turn, will not have additional contact with your institution concerning the debiting of funds from your personal account.

5. Contact the person receiving the funds to confirm the transaction was successful. The funds will deposit into the back account similar to a direct deposit. You can verify the deduction of funds from your account. If you are using a money transferring service, you will receive a confirmation number and can check the status through an automated service over the telephone or online.

Package Glass Securely For Shipping

If you sell or send glass or similar material breakable items, you need to take extra precautions when you package for shipping. Getting glass to friends or customers safely can be accomplished with careful packaging. Here's how.

Instructions

1. Apply masking tape to your merchandise if it is an item with a panel of glass such as a mirror or a picture frame. Masking tape is easy for your customer to remove without leaving residue on the glass and will help to prevent the glass from breaking by absorbing some of the vibration. If the glass panel breaks in transit the masking tape will reduce the amount of shattering.

2. Wrap the glass in unprinted newspaper. You can usually get unprinted roll ends from any newspaper either free or very cheap. If you must use printed newspaper, put the item into a plastic bag first to prevent the newsprint from getting onto your merchandise.

3. Cover your paper-wrapped item with a layer of bubble wrap. Tape the bubble wrap closed so it stays in place.

4. Choose a box that it large enough to give you an extra two inches on all sides of your item. Fill that two inches with crumpled newspaper. For extra protection mix some styrofoam peanuts in with the crumpled newspaper.

5. Consider double-boxing the item if it is extremely fragile or extremely valuable. If you choose to double box your outer box should be large enough to allow for another two-inch layer of crumpled paper between the two boxes.

6. Use a good-quality packing tape to seal the package before shipping. You also might want to reinforce the corners of the box with the tape for extra protection from the box getting damaged in shipment which increases the chances of your glass breaking.

Purchase A Hands Truck

Large retailers use motorized machines like pallet jacks and forklifts to get their goods from the truck to the warehouse and the floor. For a small business with only moderate transport needs, a hand truck can do just fine. The hand truck is a simple machine that helps you muscle cargo across a floor.

Instructions

1. Do some small business networking. Before you buy equipment new, see if anyone you know is looking to unload used stuff. Ask around other shops to see if they want to part with an extra hand truck.

2. Pay attention to liquidation sales of large retailers like department stores. These sales provide a chance to stock up on all kinds of small equipment like hand trucks, sometimes at bargain prices. In some cases, larger stores might even throw out the old equipment.

3. Check out local stores. Hardware stores may carry what you're looking for. Large chain retailers like Wal-Mart may also have hand trucks for sale.

4. Shop online retailers like Nextag to see a wide variety of hand trucks. Many models sell new for around $100. Compare sizes, wheel types and features to get the specific kind of equipment you can use for transporting your particular cargo.

5. Try eBay. This giant auction seller has just about everything, and you may be able to acquire a hand truck at a steep discount. The seller can arrange shipping with you.

Obtain A Trademark

While you do not need to obtain a trademark to claim your rights and use the symbol TM, it is beneficial for several reasons. It gives you the legal ownership of the mark and, therefore, the legal basis in federal court concerning your mark. It also gives you the ability to register your mark in foreign countries as well as with the U.S. Customs so that they can preclude any attempt to import foreign goods that may be infridging your mark. Once the registration process is complete and approved, you can change the TM after your mark to ®.

Instructions

1. Determine if you need to register a trademark, patent or copyright. According to the United States Patent and Trademark Office (USPTO), you will register for a trademark if you are seeking exclusive legal rights to a word, phrase, symbol or design or a combination of words, phrases, symbols and designs. All of which is meant to distinguish and identify your goods from that other goods from another party.

2. Check to see if your mark is already registered. Even if your mark is an original idea, it is best to be sure that no one else has registered the same thing. Use the Trademark Electronic Search System (TESS) database. (See Resources.) If part of the originality of your mark has a design element, like letters forming a specific shape, you will need to use the proper code. Use the Design Search Code Manuel for this purpose. (See Resources.) You can also search for your mark at the Trademark Public Search Library in Alexandria, Virginia. In addition, you can search at a Patent and Trademark Depository Library located throughout the country, which uses a CD ROM. However, these do not include marks with a design element.

3. Determine if you need a lawyer. While the USPTO says you do not need a lawyer to file a trademark, it may be something to consider if you find the process overwhelming or would just prefer it that way. If you do hire a lawyer, the USPTO will maintain communication with him rather than you.

4. Compose a description of your goods or services that will be associated with your mark. When you go to fill out your registration form, you will be required to effectively communicate what goods or services your mark will be used for. If you are unable to convey this clearly, they will return your application. You may wish to visit the Acceptable Identification of Goods and Services Manual for examples. (See Resources.)

5. File your trademark registration form. The USPTO prefers you use the Trademark Electronic Application System (TEAS). Using the Internet, you may fill out your entire application, submit and pay. On the homepage of the application, there is access to step-by-step tutorial guides, links to important information pertaining to trademarks, and tips on filing a trademark. If you choose not to use TEAS to file your application, you may contact the Trademark Assistance Center at (800) 786-9199 or (571) 272-9250 for a paper form.

6. Wait for a filing receipt of your application. If you used TEAS, you will receive by email, a summary of your filing and a serial number. If you filled out your application by regular mail, it will take about two to three weeks for the filing receipt and serial number.

7. Monitor your application's process. Use the TARR database to monitor any progress that concerns your mark

8. Wait for a response to your application. The USPTO will give you an initial response within five to six months. However, depending on several factors, including any legal issues, the total process could take several years.

Train For Worldwide Banking

You are interested in economics around the globe.

If you love travel, finance and staying abreast of the latest news in such diverse topics as global economics, politics and business, then a career in international banking might appeal to you. International bankers work with both business and private clients, and help their customers to navigate foreign currency, complicated tax laws, investments and income from abroad. International banking is a challenging field because bankers must be intimately familiar not only with laws, regulations and customs of banking in the United States, but also those in at least one other country and often several.

Instructions

1. Attend a four-year undergraduate university or college, and major in finance, economics or accounting. If possible, take a second major in a foreign language. You must have excellent grades if you want to find a job in international banking, because it is an extremely competitive field. You should also try to form lasting relationships with your professors, who may be able to help you with references or letters of recommendation later in your career.

2. Become fluent in at least one foreign language. International bankers must speak English and at least one other foreign language at a high proficiency. Some bankers can speak a number of languages fluently. Think about exactly where you want to work, or what part of the world you want to work with, and find out what language business is conducted in there. When you decide what language to learn, it will pay to consider the supply and demand of aspiring bankers who already have this skill. For example, many people entering banking learn German, but there are only so many jobs available to international bankers in Germany. You can make yourself more competitive by learning a language that fewer Americans can speak, such as Mandarin or Arabic.

3. Find an internship at a bank where you can gain your first hands-on experience with international banking while you are still in college. Internships are invaluable for a number of reasons. Competitive internships stand out on your resume when you are seeking your first job and make you a more experienced candidate compared with other applicants. You can also gain firsthand experience in the field working with senior bankers who have years or even decades of professional experience. These bankers can teach you things that you will never learn in a classroom, such as workplace etiquette and customer service. The connections you make during your internship will also help you throughout your life with references and recommendations. Make sure that you form good relationships not only with your supervisors, but also with other up-and-coming young bankers. You never know when you may have to work with these people again.

4. Decide what type of international banking you want to do. Not every international banker does the same job. Some trade in foreign currency, while others are experts about international markets and investing. Still others work with international business accounts, and some work with mergers and acquisitions. During your college training and your internship, you should be able to get an idea of what type of banking you are most suited for.

5. Get an entry level job in the field of banking you want to work in. You will probably not get your dream job the moment you graduate from college. You will have start at the bottom of the banking ladder and prove yourself by working hard. Slowly, as you demonstrate your competence, you can expect more and more responsibility from your job. Eventually, this will result in promotion.

6. Get a master's degree in international finance or the field of international banking that you want to enter. Your employer may pay for you to get your master's degree while you are working. You might have to study at night and on the weekends, possibly for up to four years. Once you complete this master's degree, you may be on your way to attaining that international position you dreamed of.

Kinds Of Business Mergers

A merger is an arrangement in which the financial and other assets of two or more companies are combined or amalgamated. The term "merger," according to Eugene F. Brigham and Louis C. Gapenski in the book "Test Bank: Financial Management: Theory and Practice," "implies a combination of two or more formerly independent business units into one organization with a common management and ownership." Mergers are made for economic objectives (increased liquidity, operating economies, greater managerial skills, growth, diversification, fund raising, income stability and taxation) and personal objectives.

Horizontal Merger

A horizontal merger involves the merger between two or more companies with related or similar product lines. Horizontal mergers, according to Milford B. Green in the book "Mergers and Acquisitions: Geographical and Spatial Perspectives," lead to the complete elimination of a competitor, increased market share, and increased degree of concentration of the acquiring business in the industry. The two main types of horizontal mergers are market extension mergers and product extension mergers. Market extension mergers are those that involve firms producing the same products but operating in different geographical areas. Product extension mergers involve firms that product similar products.

Vertical Merger

A vertical merger involves firms that have a current or potential buyer-seller relationship. John B. Taylor and Akila Weerapana in the book "Economics," define a vertical merger as, "a combination of two firms, one of which supplies goods to the other." A vertical merger merges a customer and a supplier or a distributor. An example of a vertical merger would be a clothing manufacturer or retailer acquiring a textile mill to guarantee uninterrupted input.

Congeneric Merger

A congeneric merger, also called a concentric merger, is a merger between unrelated or somewhat related firms. An example of a congeneric merger is when an airline acquires a tourism industry-related business or if a newspaper merges with a TV channel. The companies involved in a congeneric merger are typically engaged in complementary, not directly competitive activities. According to Dr. S. Gurusamy in the book "Financial Services, 2E," congeneric mergers allow the merged companies to achieve financial and operating economies of scale.

Conglomerate Merger

A conglomerate merger is between completely unrelated firms. For example, Procter & Gamble Corporation (Pantene, Pringles, Whisper, Always, Pampers, lams, Head & Shoulders and Bounty) extended its line of products in 2004 by merging with Clorox Company, a producer of household-cleaning products and bleach. Conglomerate mergers are typically undertaken to reduce business risks.

Making Worldwide Telephone Calls

Making International Phone Calls

Calling Codes

Every country has a set of codes that allow you to call someone in that country. Most have a National Direct Dialing (NDD) code and an International Direct Dialing (IDD) prefix. The IDD prefix is similar to the method of dialing 1 before adding the area code in the United States. The IDD codes of most countries are 00, 001 or 0011. Once you've dialed this number, you then dial the country's NDD code. Common NDD codes include 1 for the United States and 44 for the United Kingdom.

Expense

Placing international calls can be extremely expensive, especially if you don't have an international dialing plan. Check with your phone carrier to determine whether you have an international dialing plan included with your phone package. If you don't, you can typically add one, although the terms of these plans vary based on region and carrier. Many plans provide you with a set number of minutes a month, which oftentimes can only be used to dial certain countries or during certain times of the day. Remember, too, if your international dialing plan only allows you to use these minutes after 7p.m. this can be inconvenient if you're calling a country that is eight hours ahead of your time zone.

Calling Cards

Calling cards are an easy, convenient and relatively inexpensive way for travelers to call home or another country. You can buy them online from most major carriers, including AT&T, T-Mobile, Verizon and Pacific Bell. Once purchased, they act like a gift card. You activate them, choose a pin and insert the card or dial a special number on the card when you want to use them. Once the phone has read your card and you've entered your PIN number, you are free to dial. The price of a calling card varies based on how many minutes you buy. Once the minutes run out, you can add more minutes to the card by calling the toll free number on the back of the card or re-loading it online.

Create A Job Offer

After sorting through dozens of resumes and cover letters and interviewing one candidate after another, you've finally found the perfect employee to fill a position. However, making the job offer is more complex than simply notifying the candidate to tell him he has been chosen. When offering a job position, you must be prepared to answer questions about the position and your company, as well as negotiate salary and benefits, all while presenting this opportunity in the most positive light possible to encourage the candidate to accept the position.

Instructions

1. Prepare the necessary documentation prior to calling the candidate, including a contract, salary, benefits and other logistics, such as the hours the employee will be expected to work per week. If you are a recruiter making the offer on behalf of an employer, retrieve all of this information from him or his human resources department prior to making the phone call.

2. Decide on a salary range for negotiations. No matter how outstanding the candidate is, you likely have a salary cap, and you must have this cap in mind before you begin negotiations.

3. Outline a brief projection of the employee's prospects at your company, including potential promotions and raises. The Bureau of Labor Statistics recommends that workers ask where they might be in a company when evaluating a job offer; be prepared with information on salary increases and bonuses. If the employee will be working largely on commission, offer a few examples of other employees and the percentage by which they increased their wages within the first three years.

4. Call the employee and introduce yourself, reminding him of your company and the interview. Inform him that you would like to offer him the position and name the date on which you'd like him to begin. Use positive tones to demonstrate your enthusiasm on having the candidate join your team. Explain in a few sentences what skills or traits the candidate possessed that most impressed you.

5. Answer any questions the candidate may have. If the candidate requires time to consider the offer, ask if he would like you to fax or send any written materials to help make his decision. Before ending the call, schedule another call to further discuss the offer, or establish another method by which the candidate will contact you, such as email or via an in-person meeting.

Remove A Company In Yahoo Local

Delete a Business in Yahoo Local

Yahoo! Local Listings is a localized business directory that customers can use to find businesses and services of interest in their area. It essentially operates like the White Pages, except the directory is accessible online. Businesses have the option to set up either an Enhanced or Basic Listing. Enhanced Listings cost $9.95 per month (as of 2010) and include photos and valuable reporting tools. Basic listings are free but don't include photos and reporting tools.

Instructions

1. Log in to your Yahoo! Local Listings Account Management page.

2. Select "Cancel" in the "Action" column next to the listing you want to cancel.

3. Confirm your cancellation. Your business listing will then be deleted from Yahoo! Local. If you have an Enhanced business listing, your listing will be displayed until the end of the billing cycle. Yahoo! doesn't issue refunds for listings cancelled before the end of the billing cycle.

Nhl Grants or loans

The National Hockey League (NHL), along with the National Hockey League Players Association, provides annual grants to hockey teams and communities. The normal objective is to preserve the game of hockey among youth groups and organizations, but some grants fund efforts with universal significance. In some cases, the NHL partners with other organizations for such efforts.

NHL Assist

The NHL and Hockey Canada created the "NHL Assist" (Assist Skaters and Shooters and Intent on Succeeding Together) program in 1996. It provides financial assistance to youth hockey organizations to help pay for equipment and travel expenses. Organizations may receive a maximum of $10,000, and the program awards a maximum of $100,000 each year. Eligibility is open to any youth organization in the world with a 501(c) nonprofit status and good standing with its local hockey federation.

NHLPA Goals and Dreams Fund

In 1999, the NHL Players Association created the National Hockey League's Goals and Dream Fund. According to its website NHLPA.com, the fund provides equipment grants for grassroots hockey programs but "does not act as a substitute for existing funding or fundraising activities." Interested organizations must submit a two-page introductory letter about the program and its needs. All of the letters are reviewed by the fund's staff, and selected organizations are issued applications.

NHLPA Goals and Dreams Game Changer Award

In November of 2010, the NHL Player's Association created the "NHL Goals and Dreams Game Changer Award" to assist underprivileged youth and communities worldwide who face obstacles in their efforts to continue playing hockey. The award is specifically given to youth whose economic circumstances (parental job loss, divorce or parental death) make it difficult for them to pay for registration fees and equipment. The award also covers arenas in need of emergency repairs.

Hockey Fights Cancer

Since 1998, the NHL and NHLPA have raised money to provide funding to cancer institutions, children's hospitals and other cancer organizations. The program works in conjunction with organizations such as the Leukemia and Lymphoma Society and The Project to End Prostate Cancer. As of 2011, the NHL and NHLPA have raised and issued more than $12 million in funding to the Hockey Fights Cancer program.

NHL Team Grants

All 30 teams have charity programs, and some offer grants. For example, the Vancouver Canucks' "Canucks for Kids Fund" (CFKF) provides financial assistance to charity groups that promote and provide assistance for kids' health and wellness initiatives in British Columbia. Between 1995 and 2011, the fund provided more than $23 million to Canuck Place, a hospice center that provides care for children with life-threatening illnesses. The Minnesota Wild's "Minnesota Wild Foundation" started in 2000 and had raised $6 million by 2010. The foundation is designed to support sick and underprivileged children and hockey organizations.

Ethical & Mental Egoism

Psychological egoism implies an ethical doctrine. The psychological doctrine says that all human actions, in some important sense, are done for personal interests. The ethical doctrine that this implies says it is a good thing to always pursue your own self-interest. This approach purports to explain all human action, while critics claim that it explains no human action, since the phrase "self-interest" explains very little about why people act.

Self-Interest

Basic psychological egoism holds that the only real moral actor is the self-seeking individual. Each person has a personal conception of what makes her happy, and therefore, the just society is one that permits the maximum freedom to pursue these ends. No one can impose a conception of the "good" on individuals, since that is a personal decision only. The maximization of this sort of freedom is the only real social goal of the egoist.

Morality

A egoistical approach to morals does have some "hidden"postulates. In order to successfully pursue your self-interest effectively, several things must apply. The society within which you live must be peaceful, since most people could not pursue self-interest in social chaos. This approach also must hold that people are rational, and that this term is defined as the ability to a) know your self interest; b) know the means to achieve this self interest efficiently; and c) keep and enjoy whatever it is one is pursuing. So what sounds like a simple theory is actually loaded with assumptions.

Selfishness

Society is not a "real" thing in the egoistic view. This means that it is an artificial product of individuals who have created society so as to more easily pursue their own interest. Therefore, egocentrism also seems to assume a fairly efficient and well-governed society. The health of the social body is important as a egocentric end in that authorities must exist to prevent the interference of persons or institutions with my own acquisition of happiness. Therefore, things like obeying laws, keeping oneself healthy and informed, voting in elections and other civic activities might derive from egocentric ends but certainly are not selfish in themselves.

Problems

Psychological egotism and its ethical postulate explain too much, according to critics. A follower of this doctrine can make a plausible case that even the most glaring act of pure altruism is "really" done for personal gain. At the very least, to make the altruist feel good about himself. This means that there is no such thing --- by definition --- of an altruistic act. It then follows that any act whatsoever is egocentric.

Therefore, the theory is useless to explain any action, since the theory is already built in to the very word "action." Any good action, one that increases the amount of charity or love in the world, can be considered egocentric for the simple reason that a society that is more empathetic is better than one made up of selfish calculators. As a result, the theory becomes reducible to this proposition: "It is in my self-interest to forget my self-interest and work for healthy, loving and empathetic societies." The concept of "self-interest" becomes so elastic that it can cover any act whatsoever.

Obtain A Phone Book Entry

Listing your business in the Yellow Pages, whether by advertisement or in the proper categorization with your contact details is a great way to reach a wide variety of people interested in the services your company provides. Getting listed is relatively easy, but because an updated version of the Yellow Pages book only comes out once a year in most areas, you will also want to list your business information on the YellowPages.com website.

Instructions

1. Register with your local telephone service provider for a business line. Be sure you choose the business option, as this will automatically register your business to appear in the next scheduled printing of the Yellow Pages.

2. Talk to your local telephone service provider about purchasing advertising space in the Yellow Pages. The phone company representative will direct you to an AT&T representative in your area who can assist you in setting up your advertising listing.

3. Visit the YellowPages.com site online to set up online advertising.

4. Start a free account by registering with the site.

5. Enter all the required information, such as your region, your name, company name and address and a description of your business. Press Enter.

6. View, add and edit the details of your listing before you submit it, and wait for a confirmation email from the website.

What Exactly Are Methods To Advertise

Outdoor signage is a cheap and easy way to advertise.

Advertising is a communication device to help draw attention to, and ultimately sell, your product or service (see Reference 3). Advertising is a crucial part of the business strategy for many companies. There are no "right" or "wrong" ways to advertise. What works for one company may not work for another, so experiment by choosing several different advertising methods and sticking with the ones that prove to be the most effective.

TV

Television ads can be quite expensive. Consider the Superbowl ads, which cost $3 million for a 30-second spot in 2011 (see Reference 4). While all television ads are not this pricey, they are generally more expensive than most major forms of advertising. However, with the increasing number of television networks and stations, businesses might find good deals for placing commercials or other forms of advertisements.

Radio

Radio ads are generally less expensive than television ads. However, you lose the visual appeal and sensory images you get with television. This means advertisers need to get their messages across using only words. However, a strong advantage is that you can target your audience better on radio by choosing a station that aligns with the demographic characteristics of your potential customers.

Print

Leveraging print media like newspapers and magazines is another way to advertise your product or service. Magazine advertising allows you to target a select group of customers. For example, if you sell a protein supplement to young, healthy males, you can purchase ad space in a publication like "Men's Journal," "Men's Health" or "Men's Fitness." Magazine advertising can be quite costly though; not only do you have to buy ad space but you may also need to hire a graphic designer and copywriter to help develop the ad. Newspaper advertising allows you to reach a broad audience; however, the industry is in decline. According to the Newspaper Association of America, advertising expenditures in newspapers in the United States decreased 30 percent in 2008, 28 percent in 2009 and 8 percent in 2010 (see Reference 5).

Online

Online advertising is a highly targeted way to reach your key audiences. For example, you can develop ads that appear on search engine pages and choose specific key words your customers can use to find your company online. Or, you can choose specific pages to advertise on. In addition, advertising on search engines allows you to track and measure the performance of your ads.

Corporate Social Investment Job Description

Sustainability is the ability of a corporation to look beyond next quarter's numbers.

The old notion that the only duty of a corporation's executives is to increase shareholder value is now, in many quarters, passe. The newer, "socially responsible" view is that a corporation in order to be sustainable--in order to serve the long-term interests even of its shareholders--must concern itself with other sorts of stakeholders. This new way of looking at the corporate world has generated some jobs.

Manager, CSR

The CSR manager works with public relations and internal communications offices.

Many corporations have a manager of corporate social responsibilities (CSR) whose job involves strategy, communication and project design. As part of his communication responsibilities, this individual, in the words of a job description from Tiffany & Co., will collaborate with other departments "to ensure effective internal and external communication programs to build an appropriate CSR profile for the company across the organization."

Within a Budget

The coursework matters more than the degree/department name.

A corporate social investment job also involves budgetary responsibilities, forecasting the expense of CSR initiatives, and keeping the actual expenses within limits.

Qualifications

Qualifications for a corporate social investment position may include an advanced degree in public administration, environmental or sustainability management or related fields, some period of managerial experience, analytical abilities, and articulateness.

Become An Importexport Agent

You can become an import-export agent with a small investment and office space.

An import-export agent, also known as an international trade agent, is an individual or company that sends and receives goods to and from other sovereign nations. According to the Office of the United States Trade Representative, Americans trade in more than 2.5 trillion annually. Of that, 95 percent are small businesses.

To become an import-export agent, you'll need storage space, a staging area, an import and export license, and initial capital investment.

Instructions

1. Locate business space. Choose space that provides adequate storage of goods received through international exports. It also should accommodate an office, complete with Internet connection, phone, fax, copier, and shipping supplies.

When you receive imports, you'll need to mark a space designated solely for imports, arranged by exporter and goods. For instance, if you are importing watch valet boxes from China, have a dedicated space for both Chinese imports and watch-related items. This will make it easier to catalog your inventory.

2. Set up a staging area. A staging area or shipping area will be needed for exporting goods. In this area, you'll need shipping supplies such as (but not limited to) boxes, packaging tape, international address labels (supplied by shipping companies or the United States Postal Service), a weighing scale, ballpoint pens for writing on shipping labels, packing peanuts, and related items.

Keep this area separate from your import space and maintain a complete list of all goods being exported by country, date, and method of shipping.

3. Secure an import and export license. There is no need for such licenses if you are not importing livestock, alcohol, copyrighted material, food, tobacco, and firearms, according to Informed Trade International. Check with your state agency that governs international trade to inquire if the goods you are importing or exporting are "license-dependent." As an alternative, contact the U.S. Customs and Border Protection Agency or the US Department of Commerce.

4. Arrange an initial capital investment. Typically, you'll need about $5,000 as an initial capital investment for your import-export business. These monies will go toward renting space, office and shipping supplies, and purchasing of import goods.

Using Digital Counting Scales

A digital counting scale is an electronic device that weighs money and then provides a digital readout of the amount. It can weigh coins as well as paper money. Many restaurants and banks use these as a fast way to accurately count money. Anyone interested in purchasing a digital counting scale can find one at a home office store or online. The least expensive models are usually priced around $200.

Instructions

1. Collect the money that needs to be weighed. If there is a large amount of loose coins, roll them in the appropriate coin wrap. Sort the paper money into separate piles based on amount.

2. Press the "on" button to turn on the digital counting scale. Select the amount you are weighing. For example, if you want to weigh dimes, you need to be sure that the scale is set to weigh dimes. Most scales will be set to automatically start at pennies. If you want to weigh dimes, press the "next" button until dimes are displayed on the digital readout.

3. Place the money on the scale and move your hand away. If the scale automatically starts with pennies and then works its way up, place the pennies on the scale first. If there are no pennies to be weighed, press the "next" button to skip it. The digital counting scale will then ask for nickels to be weighed.

4. Write down each amount. Unless your scale is automatically working its way up, it may not keep a running total of all the amounts.

5. Repeat the process until all of the money has been weighed.

6. Add up the totals. If your scale was keeping track of all the amounts, the final total should be displayed on the digital readout.

Eliminate Along Side It Ad When Viewing Msn Mail

Revenue from advertisements helps keep websites up and running, but a page cluttered with ads can be a challenge to navigate. MSN Mail, otherwise known as Hotmail, is an email website that features a vertical advertisement down the right side of the page. The result is a condensed version of your inbox or other email folders. If you don't want the ad on the screen, you can easily remove it.

Instructions

1. Scroll down with your mouse until you reach the bottom of the side advertisement. In gray lettering, there's a small button that reads, "Close ad." Click this button and the side ad will disappear. Once it disappears, your inbox and other folders will extend across the screen, filling the spot left by the ad. However, when you click to open a different email folder, or refresh your inbox, the ad reappears. You can close it again or take more permanent measures.

2. Search for the Webmail Ad Blocker if you use Google Chrome or Firefox as an Internet browser. This ad-blocking program will not work on other browsers. To find this program, search for it online or see the "Resources" section below.

3. Press the "Install" button on the Webmail Ad Blocker screen to install the program. It will block out side ads on Hotmail, Gmail and Yahoo! Mail. Once you press "Install," there are no other buttons to press or steps to follow. The program is downloaded immediately onto your browser.

4. Open your Hotmail account in Google Chrome or Firefox. The side ad should no longer be present.

Develop An Worker Wellness Challenge

A worksite wellness challenge is an effective way to increase participation and involvement in your employee wellness program. It is also a great opportunity to enhance teamwork and engage in healthy competition.

Instructions

1. Set the goals and objectives of your wellness challenge. Select an area to focus on such as smoke cessation, weight management or stress reduction. Take into account your budget.

2. Determine the best method to use for challenging your employees. These can be designed as an individual or team competition. Here are three alternatives you could use:

*A point system:

With this method, you will provide a list of wellness-related activities, with each one worth one or more points. Have each participant make a daily record of their points as they earn them. For a team challenge, have the team leader calculate the average number of points earned by the team.

*A Simple Step Challenge:

Provide each participant with a pedometer to count every step that is taken throughout the day. Participants keep a daily record of their total number of steps and compete to see who will take the most steps.

*A Mile or Minute Challenge:

This will be similar to the step challenge with the participants logging the number of miles covered or minutes spent doing a physical activity.

3. Determine the incentives you will offer your employees. Your choices will largely be limited to the budget you have available (and the limits of your imagination). A few ideas for gifts and rewards you can offer include:

*Merchandise - pedometers, T-shirts, stickers, exercise bands, pins, and cookbooks.

*Perks - vacations, reserved parking space, extended lunch breaks.

*Gift certificates

4. Set dates. Determine how long you would like the challenge to run and set a start and end date. Add the date to the company calendar. Be sure to allow enough time before the challenge begins for participants to register and form teams if you are doing a team competition.

5. Determine kick off the challenge. One way to do this is to designate a day as a Wellness Day. On this date, you can provide onsite wellness screenings, workshops and hand out educational materials (flyers, brochures, pamphlets). You may also have a walkathon or other exciting activity that will motivate participation

6. Get the word out. Determine the best way to publicize the challenge to your employees and to get them excited about it. Use email, your company's intranet, posters and bulletin boards. If your budget allows it, hand out free bags or T-shirts touting the wellness challenge. Be sure to make the registration form widely and easily available. You may, for example, have it in the break room.

7. Determine how the challenge will end. A closing activity such as a (healthy) luncheon or potluck would be a great idea. It would be the perfect opportunity to hand out the incentives and perhaps certificates of participation. Set up parameters by which to evaluate the effectiveness of the wellness challenge and to get feedback from participants on improve the program for the next challenge.

Begin A Cosmetics Business

Would you like to start a cosmetics business but are not sure proceed?

There are various ways to start a cosmetics business. Some cosmetics businesses are easy to start and others will take much advance planning.

Use the guide below to compare various options and get a general overview into starting a cosmetics business.

Instructions

1. ** Become an affiliate for cosmetics products **

The easiest way to start a cosmetics business is to become an affiliate for an existing cosmetics business. Since you are an affiliate only, you do not have to set up your own business or make cosmetics yourself. You only have to refer buyers to the cosmetics that you are endorsing.

Basic steps for starting a business as a cosmetics affiliate include:

Step 1: Find a cosmetics affiliate program that you like. This includes making sure that you believe in the quality and value of the cosmetics you will be selling. It also means finding a program that pays you well for your effort.

Step 2: Sign up for the cosmetics affiliate program

Step 3: Promote the affiliate program (on websites, blogs, social networks, etc.)

2. ** Start a cosmetics business by becoming a reseller to cosmetics company **

Instead of being an affiliate, you can become a cosmetics reseller. As a reseller, you have more possibilities and profit potential. You have many more choices of cosmetics to sell as a reseller. You also have the option of selling online or offline.

General steps for starting a cosmetics business as reseller include:

- Opening an official business (LLC, corporation or DBA) (Note: You might need certain additional licenses, depending on the state you are located in)

- Choosing cosmetics products to sell

- Contacting cosmetics companies and finding out their wholesale rates

- Buying cosmetic samples and keeping an inventory of cosmetics products on hand

- Advertising your cosmetics online and offline

- Setting up a system of shipping cosmetics to customers

Note: Find out what the status is of the cosmetics you want to sell in terms of FDA approval. You might have to take additional steps to get approval before selling. Click on resource below for more information.

3. ** Start a cosmetics business applying cosmetics **

Instead of selling cosmetics, you can also start a business applying cosmetics to customers. Examples include becoming a cosmetologist, manicurist or esthetician.

General steps for these types of cosmetics businesses include:

- Setting up an official company (Corporation, LLC or DBA)

- Getting licensed, certified or trained in the cosmetics technique you will be working with

- Finding a small studio where you will work

- Buying equipment such as massage tables, mirrors, waxing stations, brushes, etc.

- Buying cosmetics to apply on customers

- Decorating your work studio

- Work out a pricing structure

- Advertising your services

4. ** Start your own cosmetics line **

If you are really creative and have a great idea of a new cosmetics to market, you can manufacture your own cosmetics line. Making your own simple cosmetics is not difficult and can be done in your house with basic ingredients.

Steps for making your own cosmetics differ depending on the type of cosmetics you are creating.

Basic steps for starting a cosmetics manufacturing business include:

- Setting up an official company (Corporation, LLC or DBA)

- Getting any licenses needed to sell your cosmetics (varies based on your state and type of cosmetics you are selling). Click on FDA information in resources below.

- Finding a room where you will work to create your cosmetics

- Buying equipment to manufacture your cosmetics

- Buying basic cosmetic ingredients

- Formulating and making your cosmetics

- Deciding on and buying packaging for the cosmetics

- Work out a pricing structure

- Writing up product labels (See FDA resource below for guidelines)

- Advertising your cosmetics

- Setting up a system to ship the cosmetics to customers

Christian Gifts In Large Quantities

Churches can show their members that they care and save money by buying in bulk.

For churches with a large member base, the ability to buy in bulk is literally a godsend because the religious organization can save money when it buys little tokens of appreciation for people in its congregation en masse. With the cost savings of buying in bulk, the church can put additional monies toward other things such as outreach or missions.

Christian Tools of Affirmation Inc.

Gospel bracelets and prayer journals are great trinkets to hand out to church volunteers or members of the church youth group. They can be purchased in bulk from Christian Tools of Affirmation Inc. You can buy Christian gifts in bulk online on the company's website (www.ctainc.com) or visit its headquarters in Fenton, Mo.

CTA, Inc.

1625 Larkin Williams Rd.

P.O. Box 1205

Fenton, MO 63026

Holy Land Treasures Online

If you need mementos in bulk to honor sentimental events, Holy Land Treasures Online (www.holylandtreasuresonline.com) is your go-to bulk supplier. The company provides reasonably priced Christian gifts to commemorate special occasions such as Fathers Day, Mothers Day, weddings and Vacation Bible School in bulk. The company also sells small gifts made out of wood such as Christmas ornaments, crosses and communion cups.

Holy Land Treasures USA

3909 Hopkins Chapel Road

Zebulon, NC 27597

Christian Book Distributors

Christian books are always ideal gifts to give to Christian friends. They're enlightening, empowering and simply inspirational. If you need to buy Christian books in bulk, Christian Book Distributors (www.christianbook.com) is a resource to check out. Drop by the company's warehouse in Peabody, Mass. or order online. The company offers deals when you purchase books in bulk on topics such as spiritual gifts, the names of the Lord, Bibles with various creative soft covers, Bible dictionaries and books for Sunday school teachers.

Christian Book Distributors

140 Summit St.

Peabody, MA 01960

Bible Co

If your large group enjoys a good laugh, Bible Co (www.bibleco.com) offers a selection of Christian novelty gifts, as well as personalized Bibles, fluffy CD holders and Biblical stickers. Inquire about their bulk merchandise rates via e-mail. Bible Co does not have a physical retail location at this time.