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    8.7 of 10 on the basis of 1367 Review.
     

     

     

     

     

     

         
     
    Invoice Factoring Companies A Valuable Funding Resource

     

    Invoice factoring companies can provide immediate, short term funds for companies that are unable to obtain a traditional bank loan. Financing from traditional banks generally requires commercial borrowers to have two years in business and showing a profit. Banks tend to favor loans secured by tangible assets like machinery, inventory, equipment and real estate. Working with factoring companies, in contrast, are less restrictive. When you sell your invoices often called factoring you don’t incur any debt so there are no monthly payments. Plus, you can control your cash flow by determining how much to factor and when. Young, growing companies or those with tax liens and even bankruptcy can still qualify for an invoice factoring account. This makes factoring companies a viable source of funding for many businesses. How It Works In simple terms, here’s how invoice factoring works: Factoring companies purchase your accounts receivable or freight bills at a discounted rate and issue you a lump sum payment. Essentially, your company sells its accounts receivable or invoices at a lower value for quick cash, instead of waiting the usual 30 to 45 days for the invoices to be paid. After you deliver your product/service and generate an approved invoice, factoring companies can provide your money in as little as 24 hrs. In essence, working with a factoring company can help speed up your cash flow. The influx of cash can better enable you to meet your financial obligations. For example, you can use the money to increase your working capital, pay bills or taxes, pay up front for equipment or supplies, and even take advantage of early payment discounts offered to you by your vendors. Typically, factoring companies pay 80 percent of the invoice value upfront. Then they issue the remaining value—minus a factoring fee—once they’ve receive payment from your client. The factoring fee is determined by a combination of the credit worthiness of your customer base, the average terms, the invoice number and size, and factoring volume. Factoring companies structure their fees in any number of ways, but the rate you pay generally works out to be about three to five percent of the invoice value. Keep in mind that financing fees will fluctuate according to the creditworthiness and performance of your individual receivables. If there’s an extremely low level of risk involved, fees can be as low as 1 percent of the invoice amount. History of Factoring Companies Factoring companies have been around for centuries. In the U. S., factoring companies first emerged in the colonies shortly after the British began colonizing New England. At that time, a factoring company was a business or individual that facilitated trade between sellers of goods in Europe and buyers of goods in the colonies. Factoring companies would “vouch” for the buyer—essentially ensuring the seller in the “old” country that the buyer in the “new” country was creditworthy. In addition to charging a fee for their credit advice, factoring companies became trade merchants themselves and facilitated the sale by acting as the buyer and reseller of goods. Currently, in North America, the factoring business maintains close ties to the apparel and textiles industries. In fact, an estimated 60 to 70 percent of the North American markets dollar turnover comes from these industries. But many modern factoring companies also specialize in industries such as furnishings, trucking, IT staffing, temporary staffing, nurse staffing and manufacturing. Regardless of the industry, many of the basic services offered by full service factoring companies have remained largely unchanged. Factoring companies generally offer credit advice to help their clients minimize bad debt, cash advances against invoices and collection expertise. How Factoring Companies Operate Factoring companies range from small financial service businesses to large banks. Each company has its own approach to operating. For example, many factoring companies specialize in specific industries or regions. Some may require a certain minimum per invoice or total invoice amount before they’ll conduct business with you. Regardless of the industry or value of invoices involved, all factoring companies work as middlemen. And they have two basic requirements for qualifying for their alternative form of financing. First, you should have no existing primary liens on your accounts receivable, which means no other company should have a claim on payments when they come in. Next, your customers must be creditworthy because factoring companies depend on the ability to successfully collect on your clients’ invoices. That means your company's credit history won’t necessarily factor into a decision to approve or deny your account. Instead, factoring companies will primarily consider your clients’ payment history and financial stability. Here’s a step by step example of the process of working with a factoring company: • You complete an application, submitting essential information about your company and accounts receivables. • The factoring company does its due diligence and prepares all the necessary legal paperwork. Typically this process takes five to ten days, and some factors may charge an application fee. • Once you begin working with the factoring company, you’ll prepare your customer invoices and forward them to the company for an immediate cash advance. • The factoring company will bill the customer and follow up to ensure receipt of payment, handling all the accounting, invoicing and other payment processing responsibilities. (The company likely will verify that you actually completed the work or delivered the products.) • If everything checks out, the factoring company will advance anywhere from 70 to 90 percent of the value of the purchased invoices. • Your customers will likely send their payments directly to your factoring company. Once the company receives them, it will electronically send you the "unadvanced" portion of the invoices—minus its financing fee. Important Considerations When Evaluating Factoring Companies When evaluating factoring companies to work with, there are a number of important areas you should carefully consider. Of course, the pricing structure is a critical factor. You should consider likely customer payment scenarios and calculate what the total fees would be for the different vendors. Also, compare the deposit or application fees, the advance rate, and monthly minimums. You also should inquire about how the factor company handles unpaid invoices. Some factoring companies will assume all the risk and not require you to repay them if the invoice isn’t paid within a set period of time. Other factoring companies will require you to repay funds advanced for any unpaid client invoice—plus the factoring charges. And still some factoring companies will allow you to replace the invoices of non paying clients with invoices from paying customers. Last, but certainly not least, select a factoring company that provides a high level of customer care. This helps to ensure that your customers will be properly treated. All factoring companies operate differently. That’s why it’s important to do your research and find the best priced and most knowledgeable factoring company for your particular business.



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    How To Play Jacks Or Better Poker

     

    Jacks or Better is a variation of five card draw poker. You can learn how to play Jacks or Better easily if you already know the rules of poker. If you don’t, learning how to play Jacks or Better is a great introduction to the game. Though draw poker variations are not popularly played in Las Vegas, you can find many internet casinos offering games like Jacks or Better. Would you like to learn how to play Jacks or Better? The hand ranking in Jacks or Better is the same as standard poker; with the exception that the lowest winning hand possible is a pair of jacks or better hence the name of the game. The first step in learning how to play Jacks or Better is to memorize the rank of hands. A Royal Flush, which consists of sequential cards of the same suit from Ten through Ace, is the highest possible hand. In descending order from the Royal Flush, they are: Straight Flush (any five cards of the same suit in sequential order); Four of a Kind (four same value cards, such as four 3’s or four 9’s); Full House (three same value cards plus a pair of another value card); Flush (five cards in the same suit, no particular order); Straight (five cards in sequential order, non matching suits); Three of a Kind (three same value cards and two unmatched cards); Two Pair (any two sets of same value cards); Pair (Jacks or better: any pair of Jacks, Queens, Kings or Aces). When you learn how to play Jacks or Better, you can play just about any other variation of poker. If you’re just starting out at poker, learning how to play Jacks or Better is a good way to get to know the game because it’s easier to get a high hand than it is in the more common stud poker varieties. In Jacks or Better, the game starts out with each player being dealt a face down five card hand. Players then keep as many or as few cards as they believe will make a good final hand and discard the rest. A second round is then dealt so that each player has five cards again. One strategy for how to play jacks or better is to know which cards to keep from the initially dealt hand. You should generally keep cards that would contribute to a good hand; for instance, a pair of Jacks or better; or three same suit or sequential cards that might add up to a flush or straight. Once you know how to play Jacks or Better, you can move on to other forms of poker. Jacks or Better is one of the easiest variations of poker to master, and knowing how to play Jacks or Better can help you hone your poker skills. Good luck in the game!



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    Florida Holidays 24

     

    florida holidays Florida has long been a popular area for both retirement and holidays. The reason for this is because Florida tends to have great weather all throughout the year, if you can get around the hurricane season, that is. Besides the great weather, there are some wonderful places to have Florida holidays that many wish to visit at least once in their lives. When you want to go, you should think about when you are going and where you wish to visit so you can avoid some of the busier times of the year. There are times though, when you just have to put up with the crowds. Probably one of the most popular Florida holidays is Disney. Families with children and adults who are young at heart visit this place throughout the year. Not everyone wants to go to Disney, but most find that they think it would be a lovely place to visit. Florida holidays are often wrapped around a trip to Disney. It is one of the most popular destinations in the country, and the state of Florida is well aware of this. Other popular Florida holidays often include beaches and shopping. When you are planning your Florida holidays, you have think about when you are going to go. If you go in the middle of winter, you are going to enjoy nicer weather than you would find in the northern part of the country. However, you may find that this is one of the busier times of year, as this is when many take their Florida holidays. If you want to go in the middle of summer, you may find that the crowds are a bit less, but you are going to feel the heat and humidity when you go. You may have to decide which bothers you more, the extreme heat or the crowds, and then plan accordingly. Booking Florida holidays is rather easy. Because this is a popular destination, there are many different packages that you can get that take all of the hassle out of planning. You can find airfare, hotel, and other things included if you know where you want to go. If you want to have holidays that are off the beaten path, you may have to do most of the planning on your own, but many will tell you that the state of Florida is well worth the effort you put into planning your dream vacation.



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    3617

     

    HOW TO SUCCEED WITH YOUR OWN MONEY MAKING AD SHEET Publishing and distributing a mail order ad sheet can be very profitable. They are simple and easy to produce, with most quick print shops able to handle the printing at fairly low cost. The important consideration is that you can use them to pull in advertising dollars for yourself, as a free advertising media for your own products, and as an exchange medium with which to get greater exposure for you own ads. Before starting an ad sheet, you should plan it all out decide on an interesting, informative title, choose a masthead, lay out your columns for size, determine if it is to be a simple 8 1/2 x 11 single sheet of paper or an 11 x 17 sheet folded in half. you'll also need to know your production cost for the number you intend to have printed, and the postage cost to mail them out. Most of the ad sheets start out as single sheets of paper, 8 1/2 x 11, printed on both sides. Usually, the front side is divided into three equal columns about 2 1/4 inches wide, with a 1/2 inch margin from the edge of the paper on both sides and top and bottom. Assuming that the space occupied by your title, masthead and listing of rates for advertisers interested in placing an ad with you is two inches deep, this leaves you about 24 inches of advertising space to sell on the front side. Figuring a cost of $50 for 1,000 copies of such an ad sheet, printed both sides, and a third class bulk rate postage of $110, this means that your 24 inches of ad space will have to be sold at a rate of $6.25 each in order to break even. This means: You have to sell all of the ad space on the front of your ad sheet at $6.25 each in order to break even. This means: You have to sell all of the ad space on the front of your ad sheet at $6.25 per ad and then expect to make your profits from the sale of the back side of your ad sheet. Actually, it would be feasible to charge $7.00 per inch for the space on the front side, and carry you own full page ad on the back side. At any rate, don't box yourself into a loss situation where you can't afford to place your own ads in your ad sheet. You get ads by making up an advertising solicitation sales letter and sending it out to as many mail order dealers as you can find. You can also run ads in other people's publications, inviting the readers to check with you regarding placement of an ad in your publication. And of course, you'll be wanting to work out some exchange advertising deals (whereby another publisher runs your ad in his publication, and you run his in exchange). From the experience of many, many publishers, this can be one of the most effective ways of getting your ads run, at low/no cost, and it is recognized to be successful in the field of Mail Order. You probably won't be able to fill up all of your available ad space with paid ads until you're well established but no problem first you fill your ad space with paid ads, and then you fill in the empty space with ads of your own. Some beginning advertisers fill a part of their empty space with complementary ads for other mail order operators, send them a copy of the issue in which the complimentary ad appears, and invite them to continue the ad on a "paid" basis from there. Many of them will appreciate the favor and send you a check or money order to continue running the ad. If you undertake the publication of an ad sheet, be sure to consider the possibilities of sending out 100 to 1,000 copies of your ad sheet to other mail order operators to rubber stamp their names/addresses as co publishers and mail out for you. Thus, if you had 50 other mail order operators sending out 100 copies each of your ad sheet, you'd be talking about a circulation of 5,000 copies plus the number of copies you mail out. If you can get this kind of program going, you'll quickly build your reputation as well as your circulation, and at the bottom line, your profits. Some ad sheet publishers, once they've established themselves and are putting out an impressive publication, set up distributor networks. Generally, they run ads calling for distributor/dealers and asking for a $5 to $10 registration fee. In reply to the registration application, they send out a letter explaining that each distributor can buy at half price, so many copies of each issue of the ad sheet, rubber stamp their name on each copy, and send them out as their own. In return, the distributors usually get 50% of the incoming advertising orders, a half price ad for themselves, and an opportunity to sell subscriptions. The bottom line relative to becoming a successful ad sheet publisher has to do with keeping your production costs printing and mailing as low as possible, while putting out a quality product that other people in the mail order business will want to advertise in while at the same time using it as a advertising/selling vehicle for your own products. My advice is that almost everyone involved in mail order selling should have some sort of ad sheet if for no other reason than as a means to an end an advertising vehicle for your own products, an extra income form advertising revenues, and as an exchange media with which to gain greater exposure for your own products in other people's publications. Once you've got an ad sheet, or any kind of publication set up and being seen by other mail order operators, you'll quickly gain stature and a certain amount of prestige. As with any business, your ultimate success depends on your own feasibility studies, and your "sharp pencil" planning completed before you order your first issue printed. Think about it, weigh the pro's and con's, then go with your decision. 



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    Blue Light Acne Treatment A New Remedy

     

    Some experts claim that laser and light therapy is this century's alternative to traditional treatments. These technologies have been successfully applied to treating acne and other skin diseases. Many acne sufferers who were disappointed with all other methods have found a solution for their problem in blue light acne treatment. Benefits of Blue Light Acne Treatment Blue light acne treatment focuses on eliminating P. acnes, the bacteria that causes to acne eruptions. This bacteria pumps out some molecules called porphyrins. When these molecules are exposed to blue light, they release free radicals that kill the bacteria. Blue light acne treatment has several benefits in comparison to other therapies: * It is a totally natural and has no side effects. * It is safe to use daily and for all ages. * Unlike other light therapies, it doesn't contain UV light that can hurt your skin. * It is painless and you can do it in your own home. Research Data Data from clinical trials on blue light therapy has revealed that is a promising acne treatment. Patients involved in the studies have received the blue light acne treatment in several session, each lasting about 15 minutes. Many of them, but not all, have registered significant improvement after the treatment, with approximately 55% clearance. Side effects were only mild and included short term pigment changes, dryness and swelling of the treated area. Taiwan: Thirty one patients with facial acne on both sides have received blue light acne treatment only on one side, while the other has received no treatment at all. The therapy was given twice a week for four weeks. In the end, it was concluded that blue light acne treatment is effective unless the patient suffers from cystic acne, which often worsens when treated with blue light. United States: Twenty five patients suffering from inflammatory acne were treated with blue light therapy on one side (8 sessions in 4 weeks) and with clindamycin on the other (twice a day for 4 weeks). In the end, researchers compared the results for the two treatments. The side treated with clindamycin showed an approximately 22% improvement, while the one treated with blue light therapy showed around 40% improvement. However, after 8 weeks of no treatment, the clindamycin side had maintained the results better. Israel: Three separate studies on 10, 13 and 25 patients suffering form inflammatory acne were conducted in order to measure the effects of blue light acne treatment. In all of the three studies, over 80% of all patients responded well to the treatment, showing between 59% and 67% improvement. Japan: 30 patients suffering from mild to moderate acne received a blue light acne treatment twice a week for up to five weeks. For 80% of all patients, the lesions decreased by approximately 64%. The rest of them experienced negative or no effects. Unfortunately, the number of individuals involved in these research studies is too small. Generally, clinical trials aimed to test new treatments enroll hundreds or even thousands of patients. Considering the small numbers involved in the blue light acne treatment studies, no statistically valid conclusion can be drawn. However, these studies do reveal that blue light therapy has positive effects on some individuals suffering from acne. It gives best results for inflammatory acne and may not be safe to use on patients with cystic acne lesions.



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    The European Bank For The Retardation Of Development

     

    In typical bureaucratese, the pensive EBRD analyst ventures with the appearance of compunction: "A number of projects have fallen short of acceptable standards (notice the passive, exculpating voice SV) and have put the reputation of the bank at risk". If so, very little was risked. The outlandish lavishness of its City headquarters, the apotheosis of the inevitable narcissism of its first French Chairman (sliding marble slabs, motion sensitive lighting and designer furniture) is, at this stage, its only tangible achievement. In the territories of its constituencies and shareholders it is known equally for its logy pomposity, the irrelevance of its projects, its lack of perspicacity and its Kafkaesque procedures. And where the IMF sometimes indulges in oblique malice and corrupt opaqueness, the EBRD wallows merely in avuncular inefficacy. Both are havens of insouciant third rate economists and bankers beyond rating. Established in 1991, "it exists to foster the transition towards open market oriented economies and to promote private and entrepreneurial initiative in the countries of central and eastern Europe and the Commonwealth of Independent States (CIS) committed to and applying the principles of multiparty democracy, pluralism and market economics. The EBRD seeks to help its 26 countries of operations to implement structural and sectoral economic reforms, promoting competition, privatization and entrepreneurship, taking into account the particular needs of countries at different stages of transition. Through its investments it promotes private sector activity, the strengthening of financial institutions and legal systems, and the development of the infrastructure needed to support the private sector. The Bank applies sound banking and investment principles in all of its operations. In fulfilling its role as a catalyst of change, the Bank encourages co financing and foreign direct investment from the private and public sectors, helps to mobilize domestic capital, and provides technical co operation in relevant areas. It works in close co operation with international financial institutions and other international and national organizations. In all of its activities, the Bank promotes environmentally sound and sustainable development." Grandiloquence aside, the EBRD was supposed to foster the formation of the private sector in the revenant wreckage of Central and Eastern Europe, the Balkan, Russia and the New Independent States. This it was mandated to do by providing finance where there was none ("bridging the gaps in the post communist financial system" to quote "The Economist"). Put more intelligibly, it was NOT supposed to transform itself into a long term investment portfolio with equity holdings in most blue chips in the region. Yet, this is precisely what it ended up becoming. It avoided project financing like the plague and met the burgeoning capital needs of small and medium size enterprises (SMEs) grudgingly. And it refuses to divest itself of stakes in the best run and most efficiently managed firms from Russia to the Czech Republic. In a way, it competes head on with other investors and commercial banks often crowding them out with its subsidized financing. One of its main mistakes, in a depressingly impressive salmagundi, is that it channelled precious resources to this budding sector (SMEs), the dynamo of every economy, through the domestic, decrepit, venal and politically manhandled banking system. The inevitable result was a colossal waste of resources. The money was allocated to sycophantic cronies and sinecured relatives (often one and the same) and to gigantic, state owned or state favoured loss makers. Most of it lay idle and yielded to its hosts a hefty income in arbitrage and speculation. As banks went bankrupt, they wiped whole portfolios of EBRD SME funds, theoretically guaranteed by even more bankrupt states. Thus, the only segments of the private sector to benefit handsomely from the EBRD were lawyers and accountants involved in the umpteen lawsuits the EBRD is mired in. It is a growth industry in "countries" such as Russia. This is the melancholy outcome of indiscriminate, politically motivated lending and of a lackadaisical performance as both lenders and shareholders. In the spirit of its first chairman, the suave and titivated Attali, the bank is in a constant road show, mortified by the possibility of its dissolution by reason of irrelevance. It aims to impress the West with its grandiose projects, mega investments, fast returns and acquiescence. In thus behaving, it is engaged in a perditionable perfidy of its fiduciary obligations. It lends to criminal managers, winking at their off shore shenanigans and turning a blind eye to the scapegrace slaughter of minority shareholders. It throws good money after bad, cosies up to oligarchs near and far and engages in creative accounting. Instead of Westernizing the Easterners it has been Easternized by them. Its sedentary though peregrinating employees are more adept at wining and at dining the high and mighty and at haughtily maundering in the odd, tangential, seminar than at managing a banking institution or looking after the interests of their nominal shareholders with the tutelary solicitude expected of a bank. Consider two examples: Macedonia The nascent private sector is nowhere to be found in the list of projects the EBRD so sagely chose to falter into here. The Electricity and Telecoms monopolies are prime beneficiaries as is the airport. The EBRD is also a passive shareholder in both big universal banks until recently, conduits of state mismanagement. The SME and Trade Facilitation credit lines were conveniently divvied up among five domestic banks (one went belly up, the managers of two are under criminal investigation and one was sold to a Greek state bank). Despite vigorous protestations to the contrary, none of this money reached its proclaimed entrepreneurial targets. Two loans were made to giant local firms the natural preserve of commercial lenders and equity investors the world over. The EBRD contributed nothing to the emergence of a management culture, to the development of proper corporate governance, to the safeguarding of property rights and the protection of minority shareholders here. Instead, it colluded in the perpetuation of monopolies, shoddy and shady banking practices, the pertinacious robbery titled "privatization" and the pretence of funding languishing private sector enterprises. Russia Its 2 billion US dollars portfolio all but wiped out in the August 1998 financial crisis, the EBRD has now returned with 700 million new Euros to be conservatively but not more safely lent in major energy and telecom behemoths. The historic, pre 1998, portfolio appears impressive. Almost 11 billion US dollars were generated by the EBRD's less than 4. The bottom line reads 94 projects. Yet, when one neutralizes the infrastructural ones (including the gas and energy sector) one is left with less than 50% of the amount. Add "infrastructure like" projects (water transportation and the like) and less than 30% of the portfolio went to what can be called proper "private sector". Moreover, even these investments and credits were geared towards traditional and smokestack industries: mining, food processing, pipelines, rubber and such. Not an entrepreneur in sight. And the EBRD's meagre loan loss provisions and reserves cast serious doubts regarding the mental state of both its directors and its auditors. To varying degrees, these two countries are typical. Development banks, like industrial policy, import substitution and poverty reduction, have gone in and out of multilateral fashion several times in the last few decades. But there is a consensus regarding some minimum aims of such bureaucracy laden establishments and the EBRD achieves none. It does not encourage entrepreneurship. It does not improve corporate governance. It does not enhance property rights. It does not allocate economic resources efficiently. It competes directly with other more desirable financing alternatives. It is not equipped to monitor its vast and inert portfolio. By implication it collaborates in graft, tax evasion and worse. It is a waste of scarce resources badly needed elsewhere. It should be administered a coup de grace. And its marbled abode so out of touch with the realities of its clients and its balance sheet should be sold to someone more up to the task. A bank, for instance. POST SCRIPTUM Comments Made to "The Banker" February 2002 This article was written afew years ago. I would not have written the same article today. The EBRD used to be pretty monolithic in its four orientations: pro state companies, pro big business (or mega projects), pro governmental projects, and pro commodities (mostly energy products). It is now more open to SME financing and not only as lip service. Instead of colluding with venal, inefficient, crony ridden, and decrepit local banking systems it has taken over them in partnership with foreign investors. It has a more tangible in field operating presence. Its assets are more balanced (in maturity structures, single lender exposures, collateral portfolios, etc.). It is more innovative and creative in its collaboration with the private sector, offering a varied range of vehicles. In short: it is becoming more community orientated and less "commercially" conservative. It begins to fulfill its original charter of filling the gap between IFI's and micro lending. It is still hobbled by overweening political interventionism but that is to be expected in a regional development bank (see the ADB, IADB, and so on).



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    Malaria

     

    Malaria Malaria is a type of illness people get due to parasites entering their body. This occurs when they are bitten by certain species of mosquitoes which have been infected by the parasites. This is very serious because the parasites will settle into a person’s liver. Here they will continue to multiple and then they will begin to attach themselves to the red blood cells in the body. If the Malaria is treated early on a person has a very good chance of survival. However, many people don’t associate their illness with getting bitten by mosquitoes. Many of the symptoms of Malaria are similar to those of the flu. They include fever, headache, and vomiting. Up to a two week period can take place between the mosquito bite and the onset of Malaria symptoms. There are some very good medications out there that can kill the parasites in the body. The sooner a person seeks medical treatment, the better their chances of recovery are. It can really destroy the immune system and take a long time for a person to fully recover from Malaria. Simple illnesses may take a severe toll on them due to their immune system being so weakened by the parasites. More than 500 million people are diagnosed annually with one of four types of Malaria. The majority of these cases take place in third world countries. Individuals that travel to these areas are required to get a vaccination to help prevent the chances of them contracting any form of Malaria. Yet one issue is that many of the mosquitoes that have the parasites have become immune to certain vaccinations. This means that you may think you are going to be safe from contracting Malaria but that isn’t the case. Researchers continue to monitor the mosquitoes know to have the parasites and to offer effective vaccines that can help prevent people from contacting it. There are many different medications that can be given to a person diagnosed with Malaria. What will be given depends on what the region has readily available. It will also depend on the type of Malaria they have been diagnosed with as well as the severity of it. In many third world countries there simply isn’t enough medication available for all of those that have become infected with Malaria.



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    Is Your Garden Protected By Your Home Insurance

     

    With us Britons enjoying longer and hotter summers every year, we are spending more and more time in – and money on – our gardens. In fact, according to the Horticultural Trades Association, we spend a staggering Ј3 billion plus a year on furniture, plants and garden equipment. However, many of us do not actually realise that our gardens may not be protected by our home insurance in the event of theft, loss or damage. It’s something that probably many of us have not even thought about – insuring our garden. But it makes sense to protect our investment. The cost of garden furniture, ornaments, state of the art barbecues etc all soon mount up as we have seen and if something happens, you could find yourself seriously out of pocket. And no matter how hard we try and protect our gardens, they will never be as secure as our homes, meaning that they are left vulnerable to theft and vandalism. Recent research from the insurer Direct Line reported that one in ten of homeowners is likely to be a victim of theft from their gardens. They say that the most common items that are stolen are hanging baskets, lawnmowers, gnomes, furniture, tools and even the plants! Similarly, the Nationwide list garden furniture as the most common item to be stolen, followed by bicycles, garden ornaments and statues. Even your clothes on the washing line are not safe, with them being the seventh most common item that goes missing from the garden! And its not just theft that is a problem. The weather can wreck havoc on your garden with snowstorms and gales causing severe damage and sadly, mindless vandalism is all too common. Check your home insurance policy thoroughly to see what cover you have, if any. If it does offer cover for the garden as standard, do not that only a limited number of insurers do and even then it will probably be basic cover. While most policies will cover sheds and other outbuildings, do not assume that this includes the rest of the garden – it probably won’t. If you garden is not covered, then look at possibly changing insurer. And if you are not convinced, why not go around your garden and tot up how much it will cost to replace everything, plants included. You could be shocked!



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    How Business And Family Can And Does Mix Well

     

    It is an oft repeated phrase that you should never mix business with pleasure. This idiom is extended to include doing business with friends and family and it is held to be as true as never talking about religion and politics with people whom you wish to remain friends. But the truth is, family businesses are alive and prospering every day in this country, and there is no reason why you and your family can’t enjoy the same success. And you can do it without wanting to tear each other’s heads off. Here are some benefits to working with your family to create a great business. People like to see family owned and operated businesses. The phrase “Mom and Pop store” came into the American lexicon due to the country’s fondness for these small businesses run by and started by families. There is something wholesome, valuable, and American about these operations, and their success is not necessarily limited to the corner grocery. After all, Wal Mart began as a family business and it is now the most successful retailer in the world. Whether right or wrong, people automatically perceive a family owned business as being a bit more trustworthy than their corporate counterparts. They feel as though each purchase is helping to support something important to the community. You can, for lack of a better word, exploit these feelings with your own family run business. While there is always the danger of too much of a good thing, a family run business can give you the opportunity to incorporate plenty of quality family time within the boundaries of your career. Most people are not so fortunate. With today’s world demanding more time than ever from its employees, many American families are lucky to spend any quality time at all together. With a business run as a family, you can sidestep this unfortunate aspect of modern American life. Perhaps most importantly of all, a successful family business can mean a future of security for your children and grandchildren. While it is true that each person makes their own decisions in life, with a little luck at least one of your kids will aspire to take over the business and run it with their family in the future. This is a way of presenting a legacy for your kids and your kids’s kids. So while holidays may be stressful and you may not always agree with your brother in law about which team is going to the Super Bowl this year, a family owned business does not have to be all about arguments and stress. It can be a wonderful opportunity to enjoy something that is disappearing all too rapidly from American society. Perhaps your business will do more than simply provide an income for you and your loved ones. Maybe you will inspire others to follow the same path.



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    How To Airbrush Nails

     

    All women enjoy having their nails beautiful. Anyway, going to a salon can get a little bit expensive. For learning to airbrush nails on your own, you can save money or if you are lucky maybe even make some money from this. Things Youll Need to airbrush nails on your own: First of all youll need acetone and a nail stencil. You will also need some nail polish (you will need minimum 2 diferent colors), an Airbrush gun will be very useful and a topcoat nail varnish to finish. How is done: If you dont have yet a nail stencil you can buy from a supply store. This kind of stores have lots of stencils. If you are wondering what kind of nail stencil to buy we recomand you purcase a simple but very eficient design such as a plain line when you first airbrush nails. You may use polish remover acetone and gently wash your hands before starting the procedure thats eliminate any kind of oil or old polish from your nails becouse if your nails arent perfect clean the the airbrush design will not last so long as you wish. You must apply a basecoat to your nails. When this basecoat is perfect dry you can apply wich color do you want or have for coloring the nails this color will be the background color. Now you will position the stencil on top of you nail in the position you want to make the design. After this you will may use an airbrush gun to paint over the stencil with the color youve chosen for your design. For the last touch you can remove with acetone any over spray near your design. You can brush on a long lasting topcoat and let your nails dry and remember to let them dry without touching anything; of course if you posses a professional nail dryer you can use it. After all this steps are done you can declare yourself a little specialist and in the future you can use and experiment with more elaborate stencils. You if are a little scared to start doing this procedure on your own you cand buy from a store synthetic hands or even fingers to experiment on them before starting to airbrush your real nails.



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    Ten Tips To Jump Start Your Business Plan

     

    1) Rome Wasn't Planned, Funded, and Built in One Day The process of putting together a coherent business plan will probably take longer that you estimate (an incoherent business plan on the other hand can take as little as 20 minutes). Along the way you will probably stop and say, "you know, we haven't really thought our strategies out very well, have we?" or "we don't really know our competition as well as we thought we did," and you will take the time to hone your strategies and get up to speed on the competition before you finish the plan and present it. 2) Smaller Bites Are More Digestible Start the plan with an outline. By breaking the large task down into smaller components, the task will not seem as daunting. A business plan can be viewed simply as the answers to a series of questions. 3) Style Points Count, Too. The visual aspects of the document should not be overlooked. Color charts, tables of data to break up the text, paragraph headings, varying the typestyles all of these contribute to making the plan easier to read, and to more clearly explain the business opportunity. 4) To Write A Plan, Read A Plan. People who write novels are generally those who have read many, many, stories. They learn their craft by studying the works of their favorite authors. You need to do the same thing. Look at examples of business plans to get in your mind the writing style, the sequence in which the ideas are presented, and the parts to a plan. Sample plans are available on the Internet at sites devoted to assisting entrepreneurs. 5) Pick A Section, Any Section If you have never written a business plan before, you may have difficulty getting the project started. It will seem as though you have an awful lot of blank pages staring back at you. To get the plan moving, start with the section that is easiest for you, or of most interest. 6) Spend Quality Time With Your Plan. People often underestimate the effort and energy it takes to write a business plan. They try to write it at night or when everything else at work is finished, in other words, when they are mentally and sometimes physically exhausted. A better approach is to write the plan when you have energy available to put into it: go in early and think and write for an hour before the phones start ringing. 7) First Drafts Are Always A Laugh. The first draft of your plan will undoubtedly resemble incoherent ramblings jumbled stream of semi consciousness ideas that look nothing like what you had hoped it would. Don't be disappointed or frustrated. 8) You Deserve A Break Today. Put the draft away for a few days, come back to it fresh, and begin revising and rewriting. Magically, after several more revisions, the ideas will all come together and the language of the plan will flow. 9) The Plan Is Your Baby It Needs To Look Like You. The business plan should reflect the personality of your management team, and the type of company you want to create. As the reader goes through it, he/she should get to know the people involved in the company, their vision, their objectives, and their enthusiasm for the company and the industry. Tell the story of your company in your own voice. A plan for a music production company would look much different than a plan for a medical device manufacturer. 10) Not Everyone Has A Flair For Fiction. Business plans are essentially works of fiction documents that talk about what you imagine, plan and hope may occur in the future, not what has already occurred. This type of writing is difficult for everyone. You've heard of "writer's block". The problems you are having keeping the words flowing are precisely the ones faced by the great writers, except many of them have to keep going because the publisher has given them a unreachable deadline and they've already spent their advance, but you of course, having read tip #1 Rome Wasn't Planned, Funded, and Built in One Day have allowed plenty of time to finish the business plan so there's no reason to feel pressured. Right?



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    Overview Of Website Service

     

    Web service is a software system designed to support communication over an internet. Web services are often just web that can be accessed over a network, it activate too executed on a remote system hosting services. The actual web service meaning encompasses lots of different systems. Common practice of web service refers to clients and servers that communicate XML messages that follow the SOAP standard. It considers the terminology is the hypothesis that there is also a machine readable report of the operations supported by the server and explanation in the WSDL. At last there is no requirement of SOAP endpoint, but it is a prerequisite for automated client side code generation in the conventional Java and. NET frameworks. For web service many organizations authorization of both SOAP and WSDL in their classification. Simple Object Access Protocol (SOAP) The abbreviation of SOAP is Simple Object Access Protocol. It is an XML based, with bindings to underlying protocols. The main protocols are HTTP and HTTPS, while bindings for others. Web Services Description Language (WSDL) The abbreviation of WSDL is Web Services Description Language. It is an XML format that allows service interfaces to be described, along with the details of their bindings to specific protocols. It used to make server and client code for design. Universal Description, Discovery and Integration (UDDI) The abbreviation of UDDI is Universal Description, Discovery and Integration. Protocols for publish and find out metadata about Web services and enable applications to find Web services. It is focus at design time. All major platforms are access the Web using Web browsers, different platforms are interacts. For use of these platforms to work together then web applications are developed. Web applications are easy applications run on the web. These are built around the Web browser principles and can frequently be used by any browser on any platform. The condition that define web services are intentionally modular and as an effect there is no one file that contains all. There is also no single and stable set of specifications. There are some core specifications that are supplemented by others as the conditions and choices of technology read out. Using with web services Win 2k servers billing system can connect with IT suppliers UNIX server also. Some years ago Web services were not fast sufficient to be attractive. But after development of IT Company and people aware of IT, they use broadband connection and use the web more and more. Two types of web services Reusable application components types are belongings dissimilar applications needs very often. Web services can offer application components about conversions, weather forecasting and language translation services. Most probably there will be one type of application element can use anyone for application. Another type of web services is Connect existing software. It helps solve the interoperability problem by giving dissimilar applications a way to link data. Using Web services can exchange data between dissimilar applications and varies platforms. The Web Services platform is very simple, interoperable and messaging framework. It motionless many important features about security and routing. But it will come once SOAP becomes more advanced.



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