From Celtic to Native American and Baltic, from classical to the edge of jazz and beyond, Braidstream is an eclectic mix of musical styles, backgrounds and cultures coming together to create a whole greater than the sum of it's parts. An evocative mixture of themes and dreams that will excite and inspire, Braidstream wraps the audience in an aural tapestry that elegantly blends the spirit of ancient recognition with bold innovation. With flutes, hammered dulcimer, guitar, sitar, cello, harp, keyboards, vocals and percussion, Braidstream melds classical and modern forms into an exciting weave that defies categorization.

 

 


Their exciting and eclectic music has been a major experience for visiting dignitaries and international visitors to the Western North Carolina mountains since 1985. Braidstream has been a featured performer in the internationally released "Christmas at the Biltmore Estate" filmed for HGTV and A&E channels. They have received rave reviews and standing ovations for their concerts at Deepak Chopra's Seminar series. They have performed at venues ranging from public elementary and high schools to the Diana Wortham Theater in Asheville; they have performed several times in concert with the Asheville Symphony, at many tri-state colleges and universities, at festivals and First Nights, and in many concert series performances as members of the North and South Carolina Touring Artists Roster.

 

 

Invisible Dog Fence-The Best Restraint for Escaping Dogs

March 6th, 2014 by

When you need to fully restrain your escaping dogs, invisible dog fence will provide the best solution ever! You will always find that there are invisible dog fences to meet the needs of all those that would like to restrain their dogs.

Do you have dogs that have the tendency to break away from their shackles and to get away from home or from their designated areas? There is no cause for alarms as invisible dog fence offers a perfect solution to enable you restrain your disobedient dogs. When your dog strays, it stands higher chances of being stolen, injured or impounded by the municipal authorities. So as to avoid being on the wrong side of the law, investing in invisible dog fence would be the most ideal solution.

There are options that you can consider when you need to buy invisible dog fences. You may choose to install a pet barrier which is mainly installed on the interior part of the house. Some of these systems can also be installed outdoors hence you have a choice to pick regardless of whether you are installing on the inside or the outside part of the house. After it has been installed in your compound, the invisible dog fences make it extremely hard for the dogs to escape even through a wide open gate. The dog will also find it pretty hard to get out of the BBQ area when it is entertaining.

Even dogs that jump over the fence can be restrained from doing so. There are varieties of invisible dog fences that can be installed to suit every scenario. The size of your plot or compound does not matter as it is possible for up to 100 acres be covered.

When buying these invisible dog fences, it will be great if you buy some of the popular brands that are manufactured by companies which have invested a lot of their resources to create the best fence for your needs.

Installing invisible dog fence is not a bit of a bind anymore, and can be done almost in any area of your home. You will need to buy the materials that are needed and start coming up with the layout that the invisible dog fences will take. Different layouts can be adopted depending on the type of a property. After this, you will need to act on the plans and installing the transmitters and running the necessary wire through the entire area you would like to restrain the dog in.

Once you’re done with the installation part of it, you will need to train the dogs to retreat backwards when a certain sound goes off. After a dog goes near the wire, a certain sound is emitted which will make the dogs retreat back. The invisible dog fences are of great use and will definitely offer a solution to keep your straying dogs within your home.

Originally posted 2013-08-08 13:42:53.

Best and Worst Beauty Moments of 2012

March 6th, 2014 by

If you are looking for a wedding hairstyle, forget Brides magazine and the Knot and even this Website. The very best spot to find wedding hair ideas is on Pinterest. I kid you not, but I spent an entire 2 days surfing around Pinterest and drooling over the wedding hair photos Katy Perry eyelashes culled there and I’m not even getting married!

See Wedding Hair on Pinterest and Wedding Hair: My Best Tips in One Spot

And for those of you who made it this far to find out whose derrieres were featured earlier in the slideshow, I’m rewarding you with the answers: Katy Perry eyelashes

A Worst: Oh No She Didn’t! belongs to Kim Kardashian, who wore this revealing number on her date with Kanye West in September.
A Best: A Celebrity’s Amazing “I Just Gave Birth a Year Ago” Derriere belongs to Kate Hudson, who wore that sexy number on the red carpet this fall. Katy Perry eyelashes

Originally posted 2013-12-19 01:35:05.

Lower Your Auto Insurance Premium

March 6th, 2014 by

Owning and maintaining a car costs a lot of money, but it doesn’t have to leave you broke. Here are eleven strategies to help you reduce your auto insurance premium:1. Reduce Coverage on Older VehiclesIf your car is old and paid for, consider eliminating your collision coverage. This is the coverage that pays for any damage that you cause to your own vehicle, and it makes up a big portion of your insurance cost.2. Use One Insurance CompanyGroup all of your insurance policies – auto, home/renters, etc. – at one insurance company, and you’ll earn a multi-line discount, good for up to 10% off of your total premium.3. Raise Your DeductibleSlash your auto premium drastically by raising your deductible – the amount you pay out of pocket when you make a claim. The difference between a $ 250 deductible and a $ 500 deductible is usually quite substantial, and the difference between a $ 250 deductible and a $ 1,000 deductible, even more so. Decide how much you can afford to spend out of pocket, and then adjust your deductible accordingly.4. Get a Quote Before You BuyBefore buying a new vehicle, call your insurance agent to find out how much it’s going to cost to insure the vehicle. Premiums can vary widely based on the make, Great Automobile Policy Rates model and year of a vehicle. This is one instance where smart shopping really pays.5. Drive CarefullySafe drivers are rewarded with a better insurance premium. Avoid speeding and stay out of accidents, and you’ll save 5% or more on your premium. Most companies will further reduce your rate every time you go three years without a traffic violation.6. Drive LessAre you an infrequent driver? Then, tell your insurance agent about it. Less time on the road means less opportunity to get into an accident, and this often translates into a lower premium for you. Are you a carpooler? Then, be sure to mention this as well. There’s more than one way to earn the low-mileage discount.7. Seek Teen Driver DiscountsInsuring a teen driver can be expensive, but there are things that you can do to minimize the expense. Ask about a good-student discount if your teen carries a B-average; then check to see if taking a safe driving course could result in a second discount. These two questions could net you a savings of 5 to 25%.8. Skip Monthly Bill Pay

The high cost of insurance may make monthly bill pay seem like a good idea, but you’ll usually pay for the convenience with add-on fees. To avoid these extra charges, request to be billed every 6 Great Automobile Policy Rates or 12 months instead.

Note: If the large bill makes you nervous, you can set up your own monthly bill pay. Just divide your premium by twelve, and deposit that amount into a savings account each month. This will ensure that you’ll always have the money when the bill comes due.

9. Protect Your Car from Theft

Garage kept cars and cars with alarm systems are less likely to be stolen, and therefore less expensive to insure. Be sure to ask your insurance agent if your car qualifies for a theft-deterrent discount.

Did you know? Some insurance companies will give you a discount if you etch your car’s VIN number on the windows. It’s a lesser-known discount that’s worth asking about.

10. Skip Roadside and Car Rental CoverageYour auto insurance probably comes packaged with a lot of extras that you don’t need–roadside assistance and car rental coverage being two possibilities. Go over your insurance policy line-by-line, and ask about removing any coverage that you don’t need.11. Improve Your Credit ScoreMany insurance companies now use your credit score as part of the criteria for determining the cost of your insurance premium. To ensure you’re getting the best deal possible, be sure to pay your bills on time, and to contest any credit reporting errors that you find on your report.
Great Automobile Policy Rates

Originally posted 2013-11-21 14:22:14.

Bold Wallpapers II

March 6th, 2014 by

If you are thinking of redesigning your home and want something that will leave people talking well after the dinner party, then why not choose bold and beautiful wallpaper? Something eye catching will make you feel like your home is your secret haven, and people will love to visit.

If you live in a period or Victorian house then something muted, but with a contemporary design that is in keeping with the property. Pick Victorian style patterns to add glamour

Black and white qrae ii patterns are trendy at the moment, particularly in bedrooms. Opt for a damask design that is gender neutral and makes a great feature wall. Add dark accessories like lampshades and vases for the ultimate, show stopping room.

If you want to make a functional room a little more fun, like a cloakroom or laundry room, then go for something with large flowers to add a bit of cheekiness, and make a room more intimate.

Choose something with strong vertical lines that draw the eye qrae ii upwards to make a room seem a lot bigger than it is. Paint the ceiling white for further impact.

Graphic prints are perfect for creating a focal point in a large space, but can be very overpowering so make sure that you keep them to one wall for the best impact.

If you are making any design changes in your home then make sure that you have the correct Home Insurance policy to cover your possessions from any damage that you may incur.

qrae ii

Originally posted 2014-01-11 19:44:16.

American Family Auto Insurance Review

March 6th, 2014 by

While American Family Auto Insurance may not be as well known as some other auto insurance companies such as The Hartford or USAA, it is the tenth largest auto insurer in the United States and the fourth largest property and casualty mutual insurance company in America. It is listed in the Fortune 500 companies in the United States. American Family Insurance has as it motto, “All your protection under one roof.” In addition to auto insurance, the company offers home, life business, health, umbrella, farm & ranch insurance as well as retirement products.

The company was founded in 1927 by Herman Wittwer and was first called Farmers Mutual Automobile Insurance Company. Mr. Wittwer started his company by offering automobile insurance to farmers, who he thought to be better risks as they often did not drive their vehicles in the winter but put them in storage.

Over the years, the company expanded its products and territory to include 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin. In 1963, the company changed its name to American Family Mutual Insurance Company. American Family has over $ 5 billion in policyholder equity. Its corporate headquarters is located in Madison, Wisconsin.

Auto Insurance Products

American Family sells its auto insurance products through a network of approximately 3,500 agents. With your auto policy, you can purchase collision, comprehensive, bodily injury liability, property damage Cheap Car Insurance liability, uninsured/underinsured motorist, medical expense insurance and personal injury protection. You can choose to receive a quote online or visit one of the local offices. There are a variety of benefits and auto insurance discounts available with American Family’s auto policy.

Discounts Auto & Home Premium Advantage Auto & Life Discounts Air Bag Discount Multiple Vehicle Discount Accident Free Discount Good Student DiscountOptional Coverage Auto Rental Reimbursement Coverage – This coverage is offered in partnership with Enterprise Rent-A-Car. You can also use a rental company of your choice. You can choose the level of coverage that meets your needs.

Emergency Road Service – Emergency road service is available with the “sign and drive” option which allows you to have emergency repairs for covered towing & labor operations completed without having to worry about upfront payments or having to be reimbursed.Safety Program

Teen Safe Driver Program – If you have a teenage driver living with you, this program allows you to actually see your teen’s driving habits. The insurance company cannot view the driving. This is accomplished by in-car technology called a “drive-cam.” A professional driving coach offers tips for improvement based on driving behaviors. There is no charge to enroll your teenage driver in the program.

Ratings, Customer Service & Awards

According to a customer survey by Insure.com, 86 percent of current American Family auto policyholders plan to renew their coverage. J.D. Power and Associates rates American Family excellent in the area of its Cheap Car Insurance claims process. American Family has an “A+” rating with the Better Business Bureau and is rated “A” Excellent by A.M. Best.

Not only does American Family rate well in the areas of customer service, claims and overall customer satisfaction but it has also received awards for its service in the community. It has received the gold award fro the Wellness Council of America for its comprehensive approach to employee health. The League of American Bicyclists awarded a bronze metal to American Family for helping to improve bicycle safety in the Madison, WI area. In 2010, the company was awarded the Teen Driving Safety Leadership Award by the National Safety Council.

Pros & ConsPros Excellent customer service and claims record Attractive features, discounts and benefits including the teen safe driver programCons Auto coverage is only available in 19 states

The website is a little hard to navigate if you are trying to find explanations for benefits or receive an auto insurance quote.

You must enter a VIN to receive a car insurance quote. While this information allows the company to provide a more accurate quote, some people feel uncomfortable providing this information online or may not have the VIN yet if they are just shopping for a vehicle.Contact Information

To receive a quote from American Family or learn more about its insurance products, you

can visit the American Family Insurance

website or call 800-692-6326. You can also use the agent locator to find a local agent.

Cheap Car Insurance

Originally posted 2013-10-13 19:36:53.

Chiropractor Phoenix | Phoenix Chiropractor |chiropractor Az

March 6th, 2014 by

Chirpractor Phoenix Basic Structures of The Spine

The Bones of your spine are called vertbrae: they are stacked one on top of the other, forming a long, thin, tapering column form top to bottom. The different shapes and sizes of the vertebrae allow for varying types of movement-for instance, your neck moves more freely than your mid back because of the ways the bones are constructed. There are seven thin vertebrae in the neck, twelve vertebrae in the midback, and five in the lower back.

At the bottom of your spine there are five vertebrae atht fuse in early childhood into a triangular-shaped bone (the sacrum). casper chiropractor The sacrum is a part of the spine; it joins the trunk to the legs and is held to the pelvis by a mass of important crisscrossing ligaments.

Between each of the bones of the spine lies a spongy cartilage called a disc. The disc is made of two kinds of cartilage: a hard outer ring and a soft, spongy, liquid like center. The discs give you back a bouyancy and the resilience to absorb between 500 and 1,500 pounds of shock, depending on your age. The bones and discs are held in place by thousands and thousands of ligamnent fibers that fo from vertebrae to vertabrae.

Each vertabrae has two bony arms that meet in the back, enclosing a hole in the middle. These form a long canal, which houses and protects the spinal cord. Nerves, the messengers of our nervous system, exit from the spinal cord through an opening on the side of each vertebra.

There are about 2,000 muscles in the back and neck that control movement. Although pains in the back and neck are perceived as coming from the muscles, muscles in fact are rarely the cause of pain.

It is highly recommended if you are experiencing any type of head, neck or back pain to visit a chiropractor. Casper Chiropractor http://logcabinchiropractic.com/

Originally posted 2013-10-02 13:37:28.

So, You Want the Cheapest Car Insurance?

March 6th, 2014 by

So, You Want the Cheapest Car Insurance? Sooper Articles Your Best Article Source.. Titles Contents Authors Welcome, Guest Submit Articles Sooper Authors Top Articles Blog Register Login Widgets RSS Feeds FAQ Contact Find us on Facebook Follow us on Twitter Article Categories Art & Entertainment Automotive Business Careers Communications Education FinanceAccountingBankruptcyCreditCredit CounselingCurrency TradingDay TradingDebt ConsolidationInsuranceInvestingLoansMortgageStocksStructured SettlementsTaxesWealth Building Food & Drinks Gaming Health & Fitness Hobbies Home and Family Home Improvement Internet Law News & Society Pets Real Estate Relationship Self Improvement Shopping Spirituality Sports Technology Travel Writing Subscribe to Latest Articles

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Useful Links For Authors Author Guidelines Article Writing Tips Why Submit Articles HomeFinance ArticlesInsurance ArticlesSo, You Want the Cheapest Car Insurance?So, You Want the Cheapest Car Insurance? By Mike Miscall on November 18, 2012
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You want the cheapest car insurance, right? Sure you do- who doesn’t! That said, there are literally thousands of people out there that are overpaying for their car insurance each and every month. That said, if you know what you are doing when you buy your car insurance you will absolutely be able to get the cheapest car insurance available to you. There are a few things that you can look into in order to see if the coverage that you get is affordable and worth your time. Take a few moments to look into these different things and you may just see that you are able to get your insurance at a cheaper price.

One of the first things that you need to do in order to get the cheapest car insurance is to make sure you are collecting all of the discounts that you have coming to you. For example, if you have a long history of being a good driver you may be able to get a safe driver discount. Are you currently receiving that discount? Who knows- make sure to ask your agent. There are likely other discount programs offered by the insurance company that you work with. Take the time to look into all of the discount options to see which one will best fit your needs.

Another strategy that you can use in order to get the cheapest car insurance is to lower your level of coverage. This should be done carefully, however. If you are driving a newer car you will want a high level of coverage because there will be high costs associated with any repairs that you may need in the event of an accident. If, on the other hand, you are driving a later model car you will not need to have the same level of coverage since your car will not be that expensive to repair. Talk over the different options with your agent to see what is the best fit for you. Just making a small change to your level of coverage could literally save you hundreds of dollars per year.

Once other thing that you can do in order to get the cheapest car insurance is shop around. Simply put, collect a bunch of car insurance quotes from competing companies and see who is going to give you the best deal in terms of price. Once you locate the best price you will be able to make a purchase that you are comfortable with. You will be able to quickly and effortlessly get quotes online. You can go on the websites of the different insurance companies and request free rate quotes be sent right to your email inbox. In a matter of a few minutes you should have a handful of quotes that you can compare for the best deal.

Getting the cheapest car insurance is easy! Take your time and look around for the best deal possible. Also, talk to your agent to see what they can do for you. Making a small change to what you are doing now could help you save thousands over the course of time!

Copyright © 2012 Mike Miscal

Learn how to compare cheap insurance quotes at eCarInsurance.net – eCarInsurance allows good drivers to compare cheap car insurance quotes online or over the phone from leading insurance companies.

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Mike Miscall has published 7 articles. Article submitted on November 18, 2012. Word count: 524

Best And Cheap Car Insurance Quotes Online Us.

Internet revolution has enabled us to get any information instantly and moreover with the help of these online car insurance quotes providing websites we can get cheap and best auto insurance instantly.

Written by: Angelina Anderson

How Do You Know You’ve Got Obtained The Most Cost Effective Automobile Insurance Quote?

There are numerous other things that you can do to ensure that you are called a low threat profile. Nevertheless we won’t go into all of them the following. Let’s see another thing you have to do.

Written by: Faheem Afzal

Follow Some Simple Steps to Get Really Cheap Car Insurance

It is important and must be a known fact to you that getting hold of the policy quotes from as many companies as possible. This would help you get really cheap car insurance for your vehicle.

Written by: Duffy Rico

Finding Affordable Insurance For Your Teenage Driver

Making good decisions that will benefit your teen is important. Not only do you want to keep them safe, but you want them to be able to have a wonderful driving experience. Car insurance will give you the peace of mind that your child is covered while on the road.

Written by: Nathan Roberson

Submit Articles | Blog | Author Guidelines | Mobile | Widgets | FAQ | Advertise | Resources | Privacy Policy | Terms of Services | Contact Copyright © 2013 Sooper Articles – Free Articles. All Rights Reserved. Powered by: ISolution X Post a Comment on this Article Note: We read and moderate all comments before they visible on article page. Your email address will not be published. Fields marked with asteric are required. Name: * Email: * Website: Comments: * Type the characters you see in the picture below. *
 

Originally posted 2013-07-22 01:34:11.

How to Receive Cheap Car Insurance Quotes

March 6th, 2014 by

How to Receive Cheap Car Insurance Quotes Sooper Articles Your Best Article Source.. Titles Contents Authors Welcome, Guest Submit Articles Sooper Authors Top Articles Blog Widgets RSS Feeds FAQ Contact Find us on Facebook Follow us on Twitter Article Categories Art & Entertainment Automotive Business Careers Communications Education FinanceAccountingBankruptcyCreditCredit CounselingCurrency TradingDay TradingDebt ConsolidationInsuranceInvestingLoansMortgageStocksStructured SettlementsTaxesWealth Building Food & Drinks Gaming Health & Fitness Hobbies Home and Family Home Improvement Internet Law News & Society Pets Real Estate Relationship Self Improvement Shopping Spirituality Sports Technology Travel Writing Subscribe to Latest Articles

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Useful Links For Authors Author Guidelines Article Writing Tips Why Submit Articles HomeFinance ArticlesInsurance ArticlesHow to Receive Cheap Car Insurance QuotesHow to Receive Cheap Car Insurance Quotes By Mona Penslon on July 02, 2012
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There has always been an ever increasing demand for cheap car insurance quotes because the insurance service providers always look for ways to raise the insurance rates of their clients. The companies conduct a review before renewal of the policy just to find reasons to increase the premium. This is why finding a dirt cheap insurance policy for a car is nothing less than a myth. There is no car insurance company that will go out of its way to provide a very economical policy to their customers. This is why the onus lies completely with the car owners to find out and avail cheap car insurance quotes.

The car owners must not limit themselves within a few companies while looking for their car insurance policy. It is much easier to find out cheap car insurance quotes by looking at offers from different companies and comparing them. All these offers should be matched with the requirements of the buyer in terms of coverage offered and the price charged. Online research is certainly the most convenient way to go about this comparison. There are lots of websites that provide specialized service of providing comparison between several car insurance quotes within minutes. Other conventional methods like visiting the companies or calling them is much more time consuming process and it may take a few months just to find out the cheap car insurance quotes that the buyer needs.

The buyer must not hesitate to ask for discounts from the service providers. Many of the buyers are not aware of the fact that they might qualify for many of these discounts. The car insurance customers with good credit rating can straightaway ask for a substantial discount on their policy because they belong to the low risk category. The same applies to buyers with a good driving record without any violation. Most companies have handsome discount schemes for these clients. The owners of inexpensive cars can always expect lower premiums than those who own luxury cars. The rate for a young driver falls within the most expensive bracket. However, the same person is eligible to receive lower insurance rates when he gets married. It is also a common practice to offer discounts to car owners who insure more than one car with the same service provider. Similarly, it is possible to avail cheap car insurance quotes with a bundled policy covering life insurance and homeowner’s policy along with auto insurance.

Car-Insurance-Quotes-Today is a brand new, resourceful website where you can find information for any state, as well as find cheap car insurance quotes for FREE! Best of all, when you get these multiple car insurance quotes online at this site, and you’ll also be getting free information that’s priceless when it comes to car insurance quotes!

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How To Get Best Deal In Online Motorcycle Insurance

Nowadays nobody goes to an offline or physical shop for shopping these things.

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Cheap Auto Insurance And Where to Find It

While finding cheap auto insurance in the world can seem like quite a difficult and miraculous feat, there are a surprising number of different methods you can use to ensure that you are not overpaying to insure your vehicle.

Written by: Carla Jiroux Kaplan

Best And Cheap Car Insurance Quotes Online Us.

Internet revolution has enabled us to get any information instantly and moreover with the help of these online car insurance quotes providing websites we can get cheap and best auto insurance instantly.

Written by: Angelina Anderson

Online Car Insurance- Effective Tips to Buy The Newest Policy

As buying a suitable car insurance policy for your vehicle is the need of the hour, buying it online helps in many ways. Quickly get online to find out available policies and compare them to buy the smartest one.

Written by: Nidhi Varma

Submit Articles | Blog | Author Guidelines | Mobile | Widgets | FAQ | Advertise | Resources | Privacy Policy | Terms of Services | Contact Copyright © 2013 Sooper Articles – Free Articles. All Rights Reserved. Powered by: ISolution X Post a Comment on this Article Note: We read and moderate all comments before they visible on article page. Your email address will not be published. Fields marked with asteric are required. Name: * Email: * Website: Comments: * Type the characters you see in the picture below. *
 

Originally posted 2013-09-02 13:39:36.

How to Get Cheap Car Insurance

March 6th, 2014 by

How to Get Cheap Car Insurance

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Diane Dilov-Schultheis Cheap Auto Insurance

Diane Dilov-Schultheis has been writing professionally since 2000. She is a food and travel writer who also specializes in gaming, satellites, RV repair, gardening, finances and electronics. She is a member of the Society of Professional Journalists and has been published online at the Travel Channel and Cheap Auto Insurance Intel.

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Originally posted 2013-08-03 13:33:03.

Chris Christie Jokes

March 6th, 2014 by


See Also:

• Latest Late-Night Jokes

• Mitt Romney Jokes

• Best Jokes About the GOP Candidates

“Celebrity birthday today: Chris Christie turned 50. He blew out the candles on his cake, and he wished for another cake.”

“A billion dollars will be spent on potato chips for Super Bowl Sunday — and that’s just at Gov. Christie’s house.”

“I think Chris Christie is a good choice for the keynote speaker. I mean, is there a better symbol for belt tightening than Chris Christie?” –David Letterman

“New Jersey Gov. Chris Christie is doing the keynote speech at the Republican Convention. He didn’t want to, but they’re going to lure him in by having Paul Ryan drive the Wienermobile.” –Bill Maher

“New Jersey Governor Chris Christie is going to be the keynote speaker at the Republican National Convention, and wherever Chris Christie goes you know what that means. That’s right, unlimited bread sticks.” –David Letterman

“Yesterday New Jersey Governor Chris Christie said he’s not sure if he’s going to run for re-election next year. He’s said, ‘I’ll collapse that bridge when I get to it.’” –Jimmy Fallon

“It looks like the Republicans are going back to the strategy of 2008 where Obama is characterized as a celebrity. Says the party who is gay for Ronald Reagan. Come on, you can’t worship Ronald Reagan and then attack Obama for being a celebrity. That’s like running Chris Christie and saying Obama has a fat ass.” –Bill Maher


“In the last year, New Jersey Governor Chris Christie’s approval rating has gone up 12 points. That’s impressive. Usually, the only time he picks up a dozen is when he goes to Krispy Kreme.” –Jimmy Fallon


“Last night Newark Mayor Cory Booker rescued a woman trapped inside a burning house. Not to be outdone, Governor Chris Christie rescued key note speaker a Tostito that fell in his artichoke dip.” –Jimmy Fallon

“Bad news for the governor of New Jersey, Chris Christie. While celebrating Easter they rushed him to the hospital with an impacted peep.” –David Letterman

“Opening in New Jersey tomorrow is the circus. They put up the big tent, although this year it’s Governor Christie’s pants.” –David Letterman


“Opening in New Jersey tomorrow is the circus. They put up the big tent, although this year it’s Governor Christie’s pants.” –David Letterman

“New Jersey Gov. Chris Christie is going to Israel. He’s going to be pretty disappointed when he finds out the Gaza Strip isn’t a steak.” –Jimmy Fallon

“Chris Christie has officially endorsed Mitt Romney for president. Christie said President Obama is ‘shrinking the American pie.’ And believe me, if there’s one thing Christie hates, it’s a small pie.” –Jay Leno

“Today New Jersey Gov. Chris Christie announced that he’s endorsing Mitt Romney for president. It’s good news for Romney. I mean, you always want Chris Christie on your side. Unless you’re in a canoe.” –Jimmy Fallon

“And Chris Christie isn’t running. This guy had a lot of followers. Most of then were ivory poachers, but still …” –David Letterman

“Chris Christie decided not to run. He had a big decision. He weighed the pros. He weighed the cons. He weighed himself. I like the guy. This is a candidate we could have all gotten behind. Now they’re saying he might be a Vice Presidential candidate. He’d make a great one. I’ll bet this guy knows how to spell ‘potato.’” –David Letterman



“New Jersey Gov. Chris Christie officially announced that he will not be running for president. Do we really want a president who looks like an American League umpire?” –David Letterman

“Chris Christie would have been the key note speaker first American President visible from space. The Marine Band would have played ‘Hail to the Chef.’ If he’d run, the Republicans would have had to choose between him and Rick Perry. One’s morbidly obese, and the other is morally obtuse.” –David Letterman

“People said it’s not fair to joke about Chris Christie being fat when they wouldn’t make the same kinds of jokes if he were gay. But it’s a whole different thing. For one thing, if he were gay, he wouldn’t be fat. I’d love to have him in the Oval Office. He’d fit right in.” –Jimmy Kimmel

“New Jersey Governor Chris Christie lost his laptop. In his lap.” –David Letterman

“Gov. Chris Christie keeps saying he’s not running for president. On the other hand, he would consider running for Santa.” –David Letterman

“Republicans are having trouble luring Gov. Chris Christie into the presidential race. They should try pie.” –David Letterman

“Gov. Chris Christie was hospitalized yesterday, he had trouble breathing. He first noticed there was a problem when he had difficulty inhaling a pizza.” –Bill Maher



“He was in the supermarket, and he felt a tightness in his chest, and then he realized he got stuck in the dairy case. He’s OK. The hospital today upgraded his condition to gigantic. The doctors say he was already up and about, and taking helicopters to travel 20 feet.” –Bill Maher

“But the doctors said to Governor Christie ‘you have got to stop eating ice cream out of big five gallon tubs’ and he said ‘why?’ And the doctor said ‘so I can examine you.’” –Bill Maher

“New Jersey Gov. Chris Christie was rushed to the hospital when he felt he couldn’t breathe. Doctors said the condition is called ‘living in New Jersey.’” –Jay Leno

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key note speaker

Originally posted 2013-06-30 19:57:14.

Cheap car insurance quotes

March 6th, 2014 by

If you are in a state where auto accidents are at an all time high life, you will more than likely, a higher insurance premium will have to pay. For example, if you live in California or New York, your car insurance rates will be much higher than someone who lives in Macon, Georgia. If you have a clean driving record, this may not be fair. The main reason why car insurance companies is higher prices in some states, because their statistics show that they are much more of a claim for insurance in these states, and that the average insurance claim is greater than have been preserved. So they need for the money they spend to be compensated for the payment of insurance fees and other related car accident. Even if you live in a high-risk areas were vandalism and thefts occur, you will more than likely to pay higher auto insurance rates.

Your family can pick up momentum affect your car insurance rates
 
If you are looking for multi-driver car insurance rates, auto insurance companies offer many discounts. It is important to note that when you buy car insurance for other people in your family, their driving records are checked. If you or one of your relatives have been in car accidents or tickets, insurance premiums rise and you have to pay a higher insurance premium. Cheap Car Insurance Additional factors that are your multi-driver car insurance rates the number of drivers covered, the location of the house and its proximity to the crime areas, miles per year by a family member age of each family member, school grades, credit scores, types of Cars driven, professions, whether the cars in garages or on the street are parked when the cars have alarms and LoJack tracking devices, age and valueCars, etc.
 
Shop online for cheap car insurance quotes
 
The good thing about shopping around for auto insurance rates is that you can compare prices and save more. During the search, first decide what type of coverage you will need for your car insurance and then choose the amount of coverage. Then compare each car insurance offer. Each state has a minimum requirement for car insurance but not everything, but because car insurance high that the driver recommend the purchase to avoid the bare minimum. If you are ever in a serious car accident and have only minimal auto insurance, liability and repairs could be expensive, even if the accident is not your fault. Take a few minutes more to invest in the comparison of several measures, and even talk to several agents. Save what you learn and protect you more in the long run. Choosing the right insurance company and is an important decision and should always be treated as such. Cheap Car Insurance

Originally posted 2014-01-06 19:38:03.

Convert ???? Traditional IRA w?t? ?n IRA Rollover

March 6th, 2014 by

 

Planning fог уоυг future аһеаԁ іѕ оnе wау tо һаνе security wһеtһег уоυ аге years fгоm уоυг retirement ог not. Retirement wіӏӏ аӏwауѕ Ье а part оf everyone’s life. Tһеѕе days wіӏӏ Ье tһе time fог уоυ tо ԁо еνегуtһіng уоυ һаνе аӏwауѕ wanted. It іѕ аӏѕо а time tо enjoy tһе money уоυ һаνе earned. Therefore, saving іѕ іnԁееԁ аn important aspect оf уоυг life. Onе wау tо save ѕоmеtһіng fог уоυг future nееԁѕ іѕ tо һаνе аn IRA account. Hаνіng investments wіӏӏ ӏеt уоυ һаνе benefits fог уоυг retirement savings ѕυсһ аѕ speculating іn stocks ог bonds. Yоυ саn tгу silver investments, gold investments ог gold іn IRA. A lot оf investors һаνе tгіеԁ tаkіng part іn tһоѕе kind оf investments. However, tһеге аге сегtаіn kinds оf accounts tһаt disapprove tһеѕе kinds оf investment tһіѕ іѕ wһеге аn IRA rollover саn tаkе place.
 
Tһоѕе wһо plan tо һаνе tһеіг assets transferred іntо а ԁіffегеnt account type саn mаkе υѕе оf аn IRA rollover. Assets fгоm аn Ira account саn Ье transferred іntо аnоtһег custodian іf уоυ mаkе υѕе оf а transfer.
 
Tһе possibility оf making уоυг dreams а reality саn happen еνеn іf уоυ mаkе υѕе оf аn IRA gold backed ira rollover. If уоυ wаnt tо invest аnԁ nоt worry аЬоυt tһе state оf world affairs tһеn investing silver ог gold іn IRA іѕ tһе гіgһt choice fог you. Tһе ѕаіԁ investment іѕ making υѕе оf silver ог gold tо mаkе profit. Tһіѕ investment wіӏӏ аӏӏоw уоυ tо υѕе ѕеνегаӏ types оf silver аnԁ gold coins ӏіkе tһаt оf gold bullion coins, gold maple leaf аnԁ mаnу more. Depreciation іѕ ԁеfіnіtеӏу lessened оnсе gold іѕ а part оf уоυг IRA account.
 
It іѕ nоt аѕ difficult аѕ іt ѕееmѕ tо һаνе уоυг traditional IRA converted ог tо һаνе уоυг IRA rollover. An individual wһо arrived аt tһе time оf һіѕ retirement аnԁ аӏmоѕt аЬоυt tо Ье separated fгоm һіѕ work wіӏӏ Ье capable tо carry оυt аn IRA rollover. Bеfоге уоυ tаkе part іn transferring ог converting уоυг current IRA account іntо а gold IRA уоυ mυѕt fігѕt understand һоw еасһ process goes. It іѕ important tһаt уоυ аӏѕо contact уоυг chosen company tо knоw іf wһаt уоυ аге gеttіng уоυгѕеӏf іntо іѕ perfect fог wһаt уоυ need.
 
Arrangements fог аn IRA rollover саn Ье mаԁе tо mаkе іt easy fог you. A person wһо wіӏӏ carry оυt а rollover mυѕt knоw іtѕ basics. Dоеѕ gold backed ira http://www.whichgoldbackedira.com уоυг account permits gold tо Ье а part оf it? Sоmе accounts ԁо nоt аӏӏоw silver ог gold investments. If іn case уоυ can’t һаνе gold іn уоυг account tһеn tһе Ьеѕt tһіng tо ԁо іѕ tо start а nеw IRA fог silver ог gold investments. Yоυ ѕһоυӏԁ nоt hurry уоυгѕеӏf іn making actions wіtһ valuable relics ӏіkе silver ог gold іn IRA Ьυt іnѕtеаԁ уоυ ѕһоυӏԁ plan іt well. Yоυ ѕһоυӏԁ speak wіtһ а professional wһо һаѕ а wide knowledge іn tһіѕ type оf investments.
 
An investor mυѕt submit tһе needed documents required Ьу tһе custodian. A depository place іѕ needed fог уоυг silver аnԁ gold һоwеνег tһіѕ іѕ nоt free there’s а сегtаіn amount tһаt уоυ nееԁ tо pay fог уоυг investments safe keeping. It іѕ strongly advised tһаt уоυ һаνе а sufficient amount оf money іn tһе nеw IRA tо support уоυг silver ог gold investments.
 
Utilizing gold аѕ аn investment іѕ аӏгеаԁу аn advantage fог you. Tһе high νаӏυе оf gold continues tо gо оn аnԁ іt саn easily Ье changed іntо а monetary value. Profit іѕ wһаt уоυ саn gеt fгоm һаνіng аn IRA rollover fог gold. Yоυ wіӏӏ continuously gеt benefits Ьу Ьеіng а part оf tһіѕ investment.
  gold backed ira

Originally posted 2014-01-24 07:35:43.

Is the .XXX Domain the Playbook for a New Generic TLD Registry?

March 6th, 2014 by

Is the .XXX Domain the Playbook for a New Generic TLD Registry?

Liam Eagle on December 13, 2012

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In November, the .xxx domain expanded its unusual business model with the addition of a search engine focused on adult content

Related Topics: .xxx, controversy, domains out west, icann, icm registry, marketing and promotions

Launched about a year ago, to plenty of questions and criticism, the .xxx domain, operated by ICM Registry, has evolved into a totally unusual offering in the domain name space, with a handful of unique characteristics and what is looking more and more like a model to be emulated by the new generic TLDs that will be arriving in the next year or two.

The domain, and the registry, were a long time in the making. ICM registry originally applied for the .xxx domain in 2000 and again in 2004. A squashed agreement with ICANN was put through review by an independent panel before ICM registry was finally granted approval for the application that ultimately resulted in the .xxx domain’s launch in 2011.

The application process, the approval and the launch was contentious throughout, with ICM Registry facing opposition from ICANN itself, from some leaders in the adult industry the domain was designed to serve, from the trademark lobby and from people who generally are concerned about the influence of adult content on the world.

In spite of opposition from many sides – and some fairly off-base assertions that the xxx domain in general is a failure – ICM registry has built what it considers a successful business out of the xxx domain, in the process establishing what might prove to be some new measures for success – beyond the basic registration-fee-times-number-of-domains-registered model – in the modern domain world, which is about to see a lot of new entries.

It might just be that the controversial adult domain is setting a good example for young registries about to emerge into the domain name world, in a variety of very specific ways.

The .XXX Domain Serves a Niche Market, and a Specific Business

The .xxx domain isn’t absolutely unique in having set out to serve a niche market – there are existing examples, like the .pro domain, which serves doctors, lawyers and accountants, or the .mobi domain which is specifically for mobile websites – but it is certainly unusual in that it set out to build a domain around a particular business, community and type of content.

The .xxx domain was designed to be a tool for the adult website business, but not everybody in the adult business sees the new domain as something that will benefit them, and some see it as an outright attack. Some of the stiffest opposition to the domain’s launch came from adult businesses concerned that the creation of an adult-specific space on the Internet was the first step to the “ghettoization” of adult content online. Simply put, nobody wants to move their porn site off a .com domain and onto a new domain that few have heard of, no matter how aptly named.

Some also felt the .xxx domain was an “anti-competitive” attempt at “price gouging” and forcing adult businesses to defensively re-register their brands as .xxx domains.

Stuart Lawley, president at ICM Registry, says the company always intended to provide a service, and has never intended for porn sites to be relegated to a separate space online.

“We’re strong libertarians,” he says, in an interview with the WHIR, “and we’ve always made it out that this would be a voluntary space, and we’re strongly against any kind of mandatorization. So it was a choice, and it’s here. If you like the rules, and the way we operate, and you see the benefits, come on and sign up.”

How the domain amounts to a service for adult businesses, says Lawley, is by building value for the consumers of adult content online, through things like whois validation, virus scanning, and generally creating a safe space online for them to view (and buy) adult content.

For the companies registering the domains, the idea is that more comfortable, more trusting customers are a lot more likely to give up their credit card details and actually make a purchase on the sites they’re visiting. According to Lawley, there is a benefit, and it has been demonstrated by companies operating in the .xxx domain space.

“We’re hopefully going to be releasing some case studies quite shortly,” he says, “that show some of the sites that operate in both the .com space and the .xxx space, effectively the same sites but under different domains, see slightly higher conversion ratios to paying customers in the .xxx space, and average time on site is a little bit higher.”

Building End-User Value in the .XXX Domain Space with Services

Part of making the case for the .xxx domain, although ICM Registry describes it as serving adult businesses, was establishing the value of the domain for end users.

“We spoke to tens of thousands of consumers before we made the application,” says Lawley, “about what they were concerned about, and from the consumer side, it was three main things.”

Consumers of adult websites, he says, were concerned about the potential for unintentionally encountering illegal content (particularly images of child abuse); they were worried about the potential threat of receiving viruses or other malware from these adult sites; and they were concerned that the site’s operators were frequently anonymous and unaccountable, wary of being caught in a scam without recourse.

Lawley says ICM Registry built the .xxx domain to address those fears, establishing a relationship with the National Center for Missing and Exploited Children (and other similar organizations around the world), creating an extensive whois verification process (including an automated phone-based system) to check the contact details of registrants, and setting up a daily malware scan of every website in the .xxx domain space via a partnership with McAfee.

Communicating the value in the .xxx domain to the end user is a big challenge facing ICM Registry, says Lawley, the same challenge that will face many of the new gTLDs to arrive in the next few years.

“To try to educate the consumer that there are other domains other than .com, that’s hurdle number one,” he says. “But trying to get the message out there that, okay, you want to look at adult content, why would you go to a .xxx rather than a .com to look trade show management for it? We spend millions of dollars on national TV campaigns and event sponsorship around the world.”

Domain Blocking and Brand Protection in the .XXX Domain

Undoubtedly the most controversial aspect of the .xxx domain, from concept to launch and beyond, was the notion of defensive domain registration, or the “domain blocking” option the company offered.

It didn’t take a great leap of logic to realize the potential for trademark infringement, for misuse of celebrity names, or for religiously or otherwise offensive content, that would be possible were just anyone able to register just any .xxx domain. ICM Registry created what it calls the “one-time block” model, establishing a “sunrise B” pre-launch registration round during which copyright holders could, for a one-time fee of about $ 150 (a lot of which went toward verifying the trademark), and after proving their trademark rights, set aside a given domain name so that it could never be created.

To many trademark holders, and to the trademark lobby, this sounded a lot like extortion – forcing trademark holders to pay a fee rather than see their brands somehow befouled by a porn website.

The concern about “defensive registration” as a business model for a registry is a legitimate one, but the outrage around .xxx may have overlooked a couple of points. One is that the trademark issue exists with the launch of every new domain, adult or otherwise. Any brand with a .com domain that wants to protect its trademark in this way has to register the .co domain, for example. Secondly, the connection to adult content may have caused some to over-estimate the threat the .xxx domain posed to their brands. Only adult websites whose .com domains were synonymous with their brands really faced any threat to those brands if they didn’t register or block the domains.

If your businesses involves making thin margins off a very large number of sex-related .com domain names, and you feel the domain’s existence means you have to protect those domains by registering the .xxx equivalents, then you can make the case that the existence of the .xxx domain could be bad for your business, which is part of the reason behind the lawsuit linked earlier. However, ICM has said there’s no merit to the claims that its objectives were to gouge domain owners.

“We ended up dealing with more of those names than we thought,” says Lawson, “so we did eventually make a small profit on that. But the whole idea was not to be a profit generator. It was just, look, this is a good, clean space. We’re trying to be responsible in our attitude here.”

He says the approach is now being lauded in many corners, including by the trademark lobby that was initially so opposed to the registry, and is being discussed as a model to consider when executing the new round of gTLDs.

“Now they’re holding our model out as the model of how every registry should be run,” says Lawley. “The trademark lobby, the IP constituency within ICANN, and even the NTIA – when they recently wrote the Department of Commerce about the trademark clearing house, which is the thing ICANN is bringing into place for the new round – they were extolling the virtues of what we call the one-time block model.”

Considering that the retail cost of a .xxx domain (Go Daddy charges $ 99 a year; Register.com and Network Solutions each charge $ 129), the cost of registering the name normally would pretty quickly exceed the cost of the $ 150 one-time blocking fee, it seems pretty plausible that profit wasn’t the motivation behind the system’s creation.

New (Niche) Domains Can Compete with Premium Pricing

As mentioned in the previous paragraph, .xxx domains are on the pricy side. Lawley says the registry charges a wholesale rate of $ 62 for the domains, a price that includes the cost of the virus scanning deal with McAfee, and the registrant whois verification (which the company says costs $ 6 per registrant). The company also gives $ 10 from every registration to a non-profit set up to support free speech and child protection initiatives.

High-priced domains aren’t unheard of (Go Daddy charges $ 139 per year for .jobs, another specialized domain). And charging more than a few dollars for a registration is just part of the model for a niche domain that never expected to sell millions of registrations.

In the case of the .xxx domain, the higher price tag has enabled the company to operate profitably based on the roughly 230,000 domains it actually has registered.

“We never were going to sell 100 million domains,” says Lawley. “It’s pure economics. We set the price based on our forecast number of names. Our original forecast was that we were going to sell 125,000 names within a five-year period. I’m glad to report that we exceeded that within a month or two months. We have 230,000 names under management at the moment.”

Lawley says he expects a lot of the new domains that emerge in the near future will have wholesale prices ranging from $ 40 to $ 80, with few, if any, domains in the $ 10 price point range. Lawley says it’s the simple economic reality of operating a niche or specialty domain, and one that new registries will have to consider.

“You can do the math,” he says. “If you’re selling 200,000 domains and your price is $ 5 a name, your revenue is $ 1 million a year, which doesn’t get you very far.”

Search.xxx, the .XXX Domain’s Purpose-Built Search Engine

In a move that began to illuminate some of the unique, long-term objectives for the .xxx domain, and making good on its stated intent of creating mutually beneficial services for the registrants of the domains, ICM registry announced this fall that it had launched Search.xxx, a search engine built specifically for adult content, and for sites in the .xxx domain space.

Following a kind of soft launch, says Lawley, the site saw so much early attention from users that the company was forced to quickly ramp up a paid advertising program.

“It vastly exceeded our expectations,” says Lawley, “and in the first few weeks we did about 2 million unique visitors, and 10 to 15 million page views. So, it surprised us that the bounce rate of people visiting the site is around 15 percent, whereas normally for an adult site, it’s trade show management a 30 to 60 percent bounce rate. Average time on site is around four and a half minutes. The number of searches and page views per visitor is nearly six.”

This one may not be a great model for every new domain. The .xxx domain is probably uniquely suited to this particular service – a perfect storm of users who know what they’re looking for and advertisers who know how to monetize traffic. And it’s a small salve to the injury of new Google algorithms pushing adult .com sites, long the bane of well-meaning searches, further down in the rankings.

The opportunity for ICM Registry to profit is enormous. A yearly $ 62 registration fee is a drop in the bucket compared to the money a .xxx site operator could spend monthly on a search engine ads program, especially if the traffic is converting well.

In November ICM Registry announced that it would offer $ 75 in credit for the Search.xxx ads program to every existing registrant of a .xxx domain – a familiar tactic aimed at creating happy, returning advertisers.

The Potential for a .XXX Domain-Operated Payments System

Lawley says ICM Registry doesn’t intend to stop at a search engine. The company has plans to create a kind of online micropayments system for adult sites based in the .xxx domain space – a kind of digital wallet that is a little bit iTunes and a little bit PayPal.

A user could create an account with the ICM Registry’s payment system, and then go spend money at any .xxx site, anonymously, and with the knowledge that they know who to approach in the case of any kind of dispute.

“Just like with iTunes,” he says, “there’s a certain degree of trust that, even though you’re buying these apps from many different developers, they’ve been through the Apple vetting process, and if there’s ever a real problem, you know where you can go to sort it out. We think that will be a major game changer to develop the .xxx ecosystem, which will hopefully come on stream in the middle of 2013.”

Extending “Brand Protection” with .SEX, .PORN and .ADULT

ICM Registry has applications in to operate the .sex, .porn and .adult domains. In a sense, it’s an effort to protect the work the company has done around creating a “safe” space with the .xxx domain. The company is, understandably, protecting its investment. But Lawley says a competing adult domain extension could be confusing to customers, particularly if it lacked the measures that have been put in place around .xxx.

“It’s like the difference between Bloomingdale’s and Macy’s,” he says. “One has a money-back guarantee, but in the mind of the consumer, you can never remember which one has the better policy.”

He says the bid is also intended to protect the investment registrants have made in the .xxx domain. If ICM wins those bids, it would automatically set aside those domains for everyone who has either blocked or registered a .xxx domain. For those who registered a .xxx domain, the corresponding domains in .sex, .porn and .adult could be left on the shelf forever, or turned on at the much lower cost of about $ 10 per year.

New gTLDs and the .XXX Domain Playbook

Once you get past the inherent curiosity of an adult-oriented domain extension, the .xxx domain is a pretty fascinating project for a whole bunch of other reasons, and a really interesting case study for how running a registry doesn’t necessarily have to be about competing with the generic .com domain space, or winning and losing based strictly on the sheer volume of names registered.

For the gTLDs that emerge from the new round, the .xxx domain may not be an exact template for running a niche domain, but many of them would be happy to achieve its level of success, and some of them are likely to borrow a tactic or two.

“I do think a lot of the applicants will be taking plays out of our playbook,” says Lawley. “People are approaching us already to say, how do you do this? Who do you partner with for search? How do you do the trademark blocking? We’re getting lots of requests all the time from people saying, rather than go and reinvent the wheel, can you show us how you organized these initiatives? And we’re delighted to share.”

Talk back: Do you think the .xxx domain is an interesting project? Do you offer .xxx domain registrations to your customers? Do you think ICM Registry’s unusual business model will inspire some interesting approaches to running new TLDs? Let us know in the comments.

About Liam Eagle

Liam Eagle has worked as a contributor to the Web Host Industry Review since its inception in 2000, and as editor since 2003. He has been editor of the WHIR’s print magazine since its launch. His daily involvement in the gathering and reporting of Web hosting news and his regular interaction with Web hosting leaders gives him an uncommonly broad appreciation of the issues and tends facing the business. Through his WHIR blog, Liam spots Web hosting trends and offers opinions on the industry-wide impacts of major developments and the motivation behind big announcements. Follow him on Twitter @liameagle

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{ 2 comments… read them below or add one }

Jean Guillon
December 13, 2012 at 9:35 am

“opposition from ICANN itself”: did they really?

Reply

Liam Eagle
December 13, 2012 at 10:28 am

Hey Jean,

I get the vibe that your question is rhetorical, and that you feel the answer is “no.” I’d love to hear your opinion if you feel like posting it. I’ll just try to answer the question as best I can, however. This is obviously a really long feature about the moves ICM has made post-launch, and I didn’t have a ton of space to get into the history of the .xxx domain. Maybe “opposition” doesn’t precisely describe the relationship, but ICM had to fight to get .xxx approved, and it was at odds with ICANN through a lot of the process. There’s a link in the story to a blog post by Adam Eisner that describes the resolution of the dispute through independent review. And here’s a post from Michael Berkins at The Domains describing a mildly nasty letter from ICM to ICANN in 2010. http://www.thedomains.com/2010/05/18/icm-tells-icann-to-sht-or-get-off-the-pot-on-xxx-but-is-it-too-late/

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trade show management

Originally posted 2013-07-04 13:37:48.

Historical Significance And Traditions Of The Southwest On Jewelry – Albuquerque Jewelry

March 6th, 2014 by

Historical Significance And Traditions Of The Southwest On Jewelry – Albuquerque Jewelry

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HomeShopping ArticlesJewelry ArticlesHistorical Significance And Traditions Of The Southwest On Jewelry – Albuquerque Jewelry

Historical Significance And Traditions Of The Southwest On Jewelry – Albuquerque Jewelry

By Jacques Emerson Chan on May 17, 2010
0

When it comes to the rich historic heritage of the Southwest and the influence it has on the types of jewelry, there are varied designs. The historic heritage of Albuquerque has something to contribute to the jewelry designs that are the most popular today in the Southwest. When you consider the historic significance of Albuquerque jewelry in the trading center background of the town that was founded in 1706, you can see why it became a major trading center for the Native Americans, Spaniards and the African, Asian and Anglo influence is evident. As a major crossroads of the Southwest, there are influences that are evident in the food, architecture, art and Albuquerque jewelry styles you see today.

Of course, when you are traveling the Southwest, the one thing you will notice about Albuquerque jewelry is that the prices are more competitive than the pricey metropolitan center of Santa Fe and the prices on Albuquerque jewelry are more suited to the mixed variety of people that love the historic heritage and trading center background of Albuquerque. It’s not unusual to find all kinds of Native American jewelry craftsmanship in jewelry stores alongside highest quality designer diamonds, such as Varna, ArtCarved, Princess of Hearts, Scott Kay, GemEast, HeartStar and Diana, Sholdt or Mark Schneider.

In fact, these designer names are the same as you will find in the highest quality jewelry stores on Fifth Avenue or Rodeo Drive, but Albuquerque jewelry offers more affordable pricing and it isn’t unusual to find many couples from Santa Fe making the jaunt to Albuquerque jewelry stores because the pricing is more affordable, while the quality of the diamonds and jewelry designs is as good and might be better. It is this rich historic heritage and trading center background that has made Albuquerque one of the top destinations for some of the designer jewelry that is most sought after, including modern top designers, like ELLE, Pandora and Nicole Barr.

When you consider the price advantages that are offered by making a trip to the area, there are many people that still consider it the crossroads of the Southwest and many newly engaged couples will come to the town from hundreds of miles in search of the perfect Albuquerque jewelry and diamonds to commemorate their love or mark a special occasion. In fact, there are some of the jewelry stores and shops that are moving from Santa Fe to be part of the heritage of this historic town on the banks of the Rio Grande.

While the food and ethnic variety of shopping are reasons that people love visiting Albuquerque, the historic heritage of this lively Southwest trading center offers Native American dances, jewelry and pottery, and many modern Albuquerque jewelry designs and diamond choices that rival those found in native American jewelry New York or Los Angeles, but at prices that are more conservative.

When looking for one of the Southwest’s most popular towns with ethnic heritage and historic significance, Albuquerque remains a popular trading post town and the historic heritage mixes the finest top-quality diamonds with jewelry by modern top designers that can be found in the Albuquerque jewelry stores, like Butterfield Jewelers on San Pedro NE in Albuquerque.

Locating finest jewelry and highly rated support service, at this point inside the land of enchantment (Albuquerque, New Mexico). Butterfield Jewelers, making diamonds component to yourself. To get more detail info go to us from the internet

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Jacques Emerson Chan has published 1 article. Article submitted on May 17, 2010. Word count: 527

Spot The Nearest Abercrombie Outlet And Become The Most Trendy Person

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native American jewelry

Originally posted 2013-12-04 01:36:58.

Q&A: NGINX’s Andrey Alexeev Discusses The Open Source Web Server

March 6th, 2014 by

Q&A: NGINX’s Andrey Alexeev Discusses The Open Source Web Server

on October 13, 2011

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Netcraft graph of market share for top servers across the million busiest sites

Related Topics: industry interviews, nginx

With major players Apache and Microsoft’s IIS dominating the web server market with a combined share of nearly 80 percent, the rise of open source developer NGINX (www.nginx.org) to become the third most popular web server is certainly intriguing.

Last month, the company saw its largest gain with just over 1.6 million active sites and now has a 8.53 percent share, according to Netcraft web server survey.

In fact, if the open source developer continues to grow at its current rate, it could eventually take over Microsoft to have the second largest number of active sites.

Today, NGINX powers over 40 million domains on the Internet, and over 20 percent of the top 1,000 busiest websites.

With its recently announced investment of $ 3 million, a new San Francisco headquarters opening in the fourth quarter, and the upcoming release of its commercial-grade connection processing and optimization software platform, NGINX is set for continued growth and success.

In an email interview, Andrey Alexeev, business development and marketing at NGINX discusses the new web server, the company’s strategy, and walking the fine line between open source and commercial availability.

WHIR: Can you explain further what NGINX’s strategy is regarding the web server?

Andrey Alexeev: NGINX is a strong advocate of the model of providing quality open source software. The project will continue to develop under 2-clause BSD license. The features of NGINX – including not only HTTP server functionality, but also proxying, load distribution, caching, bandwidth policing and media streaming – are continuously and consistently improving. With regards to the development of web server components, we will address the question of an easier upgrade path from the legacy infrastructures to NGINX. This is beneficial for hosting providers and SMBs, which are still utilizing a number of inefficient historical configurations. Some of the related modifications to the code would include the necessary support for distributed configuration files and closer integration with embedded interpreters.

The next versions of the product will extend NGINX’s core with a number of important new mechanisms related to handling I/O from network and storage and provide flexible configuration management and improved API. To put it simply, we will take the performance and scalability of NGINX to yet another level, strengthening its core advantages with long-awaited functionality. NGINX is a logical and sensible upgrade option for modern companies in a variety of market areas, especially companies that sms marketing software are looking for consistently and efficiency but do not currently use NGINX.

WHIR: How does it differ from other web servers?

AA: It is an interesting question. NGINX outperforms legacy web servers by delivering exponentially better performance, scalability and security. It has quickly become the fastest-growing web server in the world with a market share of 8.5 percent, according to the most recent Netcraft survey. NGINX is able to continuously take more connections while retaining compact memory and CPU footprint. NGINX’s flexible combination of features essential to building a modern web infrastructure is what makes it so popular. What is remarkable about using NGINX in different setups is that you can utilize its features as standalone, enabling mechanisms or you can mix and match for optimal performance and scalability. For example, to instantly offload serving concurrent connections, you can put NGINX as a reverse web or mail proxy in front of your busy back-end servers. By combining various NGINX features you can achieve extreme performance for static content and videos, conserve server and network resources by caching repetitive content, handle concurrent connections with ultimate efficiency, offload your back-end infrastructure from unnecessary tasks, securely integrate your applications servers using a number of interfaces and protocols, and more.

With regard to its field-proven architecture, NGINX doesn’t try to outthink a well-engineered modern operating system when handling the network and disk load with ultimate efficiency in memory and CPU.  NGINX leverages performance-enabling mechanisms available with all of the major OS platforms. Using event notifications and asynchronous handling of a variety of consequent actions associated with accepting, processing and managing network connections and content retrieval, NGINX provides “hints” to the operating system and gets timely feedback on when to expect inbound or outbound traffic, when to check disk operation, when to refresh content and so on. The NGINX configuration is logical and flexible and allows more dynamics and less hassle in day-to-day engineering operations. NGINX’s flexible and extremely efficient utilization of hardware resources dramatically improves not just performance and scalability, but also provides more density and a “greener” computing environment.

WHIR: What are NGINX’s plans for creating a commercial product?

AA: NGINX will focus on the development of an accelerated front-end software solution for distributing, serving and managing high traffic loads, optimizing delivery of different types of content and enabling better security and performance for cloud and enterprise server infrastructure. There are a number of companies stuck with legacy hardware solutions and underperforming proprietary software that will find NGINX a good alternative. Highly efficient front-end configurations have been our core competence for sms marketing software the past 10 years. Our plans include a commercial-grade software package for use with the modern generic server hardware that would help dynamic companies grow and develop their front-end infrastructure in a timely matter without wasting resources unnecessarily. For hosting and cloud service providers, NGINX will release options to upgrade their web installations to modern and efficient high-density web server software. Some of the options here would include advanced performance management and security-related features. We’re currently engaged in establishing business partnerships with vendors and developers in the US, Europe and Asia, and will announce our first commercial products in the Q3 2012.

WHIR: What is the company’s product strategy? Will you be establishing a US presence?

AA: The new company will open its San Francisco HQ office during Q4 2011. The staff in the US will be responsible for marketing, product management and sales strategy, and operations. The engineering team will remain in Moscow, Russia.

WHIR: How does the company plan on straddling the fine line between open source and commercial availability?

AA: This is achievable. We’ve been enjoying a huge and gratifying level of support from our users and we will continue to focus strongly on making them happier. We’re now in the process of revamping product documentation, support procedures and development cycle. Since we became a company we’ve already made significant progress here. The NGINX “open core” version will continue to be distributed as free, open source software under a 2-clause BSD license. We will be introducing new functionality requested by the users as well as continuously improving the quality of the software. By developing a parallel commercial offering, we can provide exciting new infrastructure solutions for Internet companies in a variety of markets, including enterprise, CDN, hosting and cloud service providers, media and entertainment, and more. Many companies that have used NGINX for years are now looking into having commercial-grade extensions for the product, such as advanced management tools and extended high-availability solutions. We can also provide competitive products with important performance-enabling mechanisms based on NGINX open core to help modern Internet businesses launch and grow without spending hundreds of thousands of dollars.

WHIR: When do you expect to roll out the product in beta and for official release?

AA: We are officially launching the company on October 11, 2011. Tentatively, you can expect to see beta versions of the products in Q2 or Q3 2012. We will give you more information, when we have it.

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Basic need to locate Cheap Auto Insurance in Florida?

March 6th, 2014 by

As most people know, Florida is among the most wonderful locations n the world, using a extremely soothing atmosphere for nearly any individual. But with out any discover, the sunny climate can become rain, and kinds driving encounter can be from extravagant to horrid. Due to the fact the unexpected could take place at any time, it really is greatest to be prepared using a Cheap Car Insurance in Florida.Florida’s Law It really is the legislation in Florida for 1 to carry some kind of economic responsibility – in any other case they’re not able to generate. The law in Florida more particularly, states that all motorists should have no less than $ 10,000 in house harm liability, along with the similar quantity in person harm safety. This legislation applies for the whole time one is residing and driving in Florida, with Florida tags. A few other states do need bodily harm liability, only in the event you drive a cab is it necessary to possess Cheap Car Insurance in Florida.House damage liability is required to cheap auto insurance in florida make sure that any damages made to a person else’s home will probably be paid out for by the individual to blame (or their insurance). It wouldn’t be fair for your victim to pay for the error(s) from the driver. This covers practically anything that’s not the motorists. Evidently, home damage liability within an auto insurance strategy will not cover any with the drivers costs.Personal damage safety handles the trucker (policyholder) as well just like any passengers which are inside the car at the time in the accident. Private harm defense will spend for health-related expenses as much as what was paid from the policy holder.Florida works based on a regulation named “No Fault Law”. The legislation just states who’s doesn’t issue who caused the incident, and each individual must by for damages that resulted in the accident. The capability to file a lawsuit one other driver is really restricted as a result of no Fault Regulation. As a result, Florida drivers ought to bear in mind that even when they are hit, and aren’t in the wrong, another cheap auto insurance in florida driver may possibly not essentially have to spend for damages.Let’s say I have No Insurance? For those not carrying the Cheap Car Insurance in Florida, you can find consequences. The minimum penalty can be a very good, and is given the very first few times. As much more offenses happen (much more cases caught driving with no insurance), the fines will improve. In the event the driver continues to run a car with no insurance, they might face having their license and automobile suspended. Last of all, if the driver carries on to offend, they may be place in jail.SR-22 For drivers who have have DUI convictions in Florida, the regulation can be a bit various. As soon as 1 has been convicted, they are going to must carry added coverage within their automobile insurance coverage coverage. The minimum for house damage will be $ 50,000, while bodily injuries liability for each person could be some $ 100,000. These amounts enhance so significantly since the state will not would like to cope with intoxicated drivers hurting innocent by standers.

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Originally posted 2013-10-27 13:39:59.

Basketball Video lessons : The Promotional Look and feel

March 6th, 2014 by


Tennis as being a modern day sports activity was introduced in the particular medium 1800′s in america. At this time the game of softball is actually enjoyed and savored globally. This online game entails expertise, mental toughness, healthy potential, as well as accurate practice. These days the employment of hockey video tutorials, Videos also, the world wide web now have switched tennis coaching within a marketplace. It is necessary that each people, notably the beginner, learn the the right processes as well as fundamentals regarding performing the video game. Instructional videos have made that potential for you to silver screen training so that your people can see education concurrently it’s always appearing detailed.Any time you start looking designed for softball video lessons you’ll be at once fascinated from what scores which can be. So, it is very vital that you create guidelines just for working on the necessary explore when shopping for the most suitable video clip for your requirements or maybe your trainees:There are numerous involving dads and moms researching aid intended to have got controlled experience in karate. These are basically attempting to spend more time their youngster and additionally enhancing the learner for increasing in anyway they can. It is necessary to seek out snowboarding videos with a teacher that is professional and then experienced once presenting all of the instruction manuals. Even though anyone experienced karate at basketball lessons a institution staff as well as trialled as a child does not necessarily mean likely visiting fully understand plenty of to learn. Such as everything in your life, softball approaches need extended so that you can grow and alter hence the methods of training that men and women are familiar with in their youth may have changed. It is vital that training plus educational tactics will begin to increase.To set up make use of snowboarding video lessons to understand together with apply training methods, you need to have a precise understanding of what sort of movies are generally ordered and even just what details you might be to have. One particular suggestions is either a a line brief movies or one video clip separated into little web template modules. Considering most people have an inclination to get bored or lose interest if you watch like instruction manuals or simply investigating unnecessary drills.A different professional recommendation would be to find video clips who are dedicated to exact content such as smacking, advertising, or even hooking. This can at the same time mean you can consentrate on different facets belonging to the activity because there’s a wholly varied experience you will each component of the sport.A focus involved with ball training videos has become so that you can such a point that once referring to reaching you happen to be coping with activities like spinning shooting, basketball lessons straight line affecting, softball bat the right way up pattern, bat to come back design and style, plus more !. Every one pattern does have it’s followers that happen to be enthusiastic and every style and design is usually fix pertaining to.Well the same by means of pitching online videos when you include training video instruction upon baseball handle, knee vegetation, follow-through, not to mention ankle jump. That’s the reason why it is vital that you take a bit looking into working out assists along with choosing the points that you could be happy with.A few things post are actually that for the education is great for the globe will never guidance a particular person generally if the gamer just isn’t ready to do the operate. That is many times difficult for younger college students to recognize as well as your career as being a trainer could be to in some way improve wearisome apply appear to be pleasurable. By simply understanding basic fundamentals and even continuously working at principle techniques, the user can advance.The fact to keep in mind approximately every one of the ball training videos, details, along with coaching helps is that often there isn’t a warrant that will them can make you a fabulous “GREAT” player. Something which might be definite is actually you use the details as well as work flat out you should Increase To provide a PLAYER.

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Originally posted 2013-03-29 01:42:49.

Spa Manual Printing

March 6th, 2014 by

Running a spa can be a redundant thing. It operates the same way—you train therapists, they go into an on-the-job training, and then they work in the spa. From time to time, they undergo a refresher course just to maintain the quality of the massage service that they render and also to remind them of the standard massage strokes and sequence used at the spa. In most local spas, they try to make their strokes as uniform as possible but the only way that they can do this is to have training manuals that will sort of serve as their “bible” for massage services. These print manuals could be like a big coffee table book where each branch gets one copy and is left in the care of the manager. Or they could be just small pocket size books that can be given out to each therapist. This is just to ensure that like product manuals, everything given out to clients is the same service.

It is kind of difficult to maintain the quality of a spa service because after all, the massage depends upon the attendant. There are really those that quality manual template have the magic touch while there are those who consider their stint at the spa as merely a job that will help them get by their lives. But if you have a training manual, it is easily done. Although it cannot really be perfect, but at least, you will be closer to making your services uniformly done.

To-Do – The manual should include all kinds of massage that you are offering, such as Swedish Massage, Shiatsu, Thai, Hawaiian Lomi-Lomi, and Combination Massage. Define each kind of massage so that it will also be informative and will teach your therapists the effects of different massage strokes. Indicate the length of time for each service as well the preparations that the therapist needs to do.

Label your strokes – Many standard massage strokes have names like effleurage, tapotement, knuckling, etc.

Use these to detail your strokes along with the number of repetitions. But if you have come up with your own customized strokes, such a combination of pressing and stroking, make a name of it and include it in the manual. Just make sure that you describe it in detail as well as the number of quality manual template http://www.youtube.com/watch?v=N8LWy1wt_NA repetitions.

Chronological – Arrange the strokes in chronological order from the first stretch to the last touch. For example, many combination massage treatments start with stretching and end with a hot towel bath that is also done using some stroking. So write these down.

The formulation of these print manuals is also good if you hired a licensed massage therapist as trainer. But he is only on retainer and after the training period, he is off to another spa. The training manuals will ensure that the same services are rendered close to what the instructor had taught. These can also be your showcase, much like what product manuals do. That will maintain the credibility of the treatment. Additionally, if you train new recruits, you no longer have to hire the trainer because they usually charge high fees plus accommodations. At least with the manual, your senior therapists can handle the training of newbies based on the manual. You can just give them some extra remuneration for their efforts to teach their colleagues but at least it will not be as expensive as hiring an outside teacher because they are already working in the spa.

 

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Originally posted 2014-02-04 13:34:46.

Few Things to Know about Electric Dog Fence

March 6th, 2014 by

The name electric dog fence doesn’t suit this kind of an invisible dog fence that is placed around a small area to prevent dogs from fleeing away. Maybe it is a misnomer, but such kind of products already is a great hit amongst dog lovers. Basically, this apparatus comprises of a unique setup in which the transmitting wire is buried some inches into the ground, and the receiver is wrapped around in the form of electric dog collars which administer a beep like sound and oozes out a mild shock when the animal moves in towards the transmitter wire.

While the level of shock is certainly adjustable, many dog lovers still claim that these kinds of electric dog collars have a terrible effect on the dog’s behavioural pattern. Probably, the worried owners are too much bothered about the way the dogs get treated for their mischievous acts, when the electric devices are used on/around them. However, this is a highly debatable topic and touches some aspects related to being cruel or kind to one’s pet. So, let’s not delve into this. We can discuss about a few advantages and disadvantages of using this electric dog fence and its accessories that keep dogs in check.

The first striking fact about the wireless electrical dog fences is the cost involved. These fences are considered to be way too cheaper than other fences that serve the same purpose, say, for example, metal fencing or vinyl fencing or even wooden fencing. You don’t need to squat down on the floor to measure the total area that needs to be fenced; with electric fencing, there’s absolutely nothing for your dog to dig under or jump over, so you’re actually bypassing the disadvantages pegged to other types of physical fences.

The electric dog fence, however, is more flexible than its counterparts. They can be installed indoors wherever you want; be it bedroom, pool, lawn or anywhere else. So, when you have set this one up, you would be pleased to see a change in your dog; it won’t be the same old wandering dog which likes to roam about all around the place. I think these points are good to influence one’s decision to buy them, for they’re available at cheaper prices as low as $ 250.

Conversely, the electric dog fences do have a few slightly disadvantageous features which the owners think a lot about, and, in turn, go for other types of fences that have slightly better features. Firstly, you cannot leave the dogs to take care of themselves granted the electric dog collar and electric dog fences are clearly not one of those automated products which need no supervision. To boot, the dogs must be trained well to understand the way this system works, to stay away from potential danger whenever it nears the transmitter. Also, this fencing stops only the dogs with the electric dog collars on them, not anybody else; other stray animals, children and other intruders can get in with no trouble.
Using an electric dog fence in tandem with sophisticated electric dog collars could be a nice idea to keep your dog’s excessive barking down.

Originally posted 2013-10-15 01:38:53.

Roofing Material: 6 Choices for Your New and Improved Roof

March 6th, 2014 by


Roofing Material #1: Asphalt Shingles Asphalt shingles are the most common Milwaukee roofing material seen on American homes these days. They are an inexpensive roofing option and they come in a variety of colors. They are generally guaranteed for 20 to 30 years and require no maintenance. The drawback is that this roofing material is so common your roof won’t stand out from the crowd, however the asphalt shingles have great value in their durability and ease of installation. You can choose from the standard 3-tab shingles or upgrade to a thicker architectural shingle. Ask your contractor for samples of each to determine which type of asphalt shingle is the roofing material best suited for your residential roofing project.
Roofing Material #2: Wood Shingles Wood shingles are beautiful. This is a classic roofing material that ages and weathers to a beautiful gray or silver. If installed properly wood shingles can last 30 to 50 years. This roofing material, however, has some drawbacks. First, it’s not fireproof. Second, it’s expensive to install Roofing Albuquerque and often requires maintenance, such as washing to remove mildew and application of new oil. If this is your roofing material of choice, make sure your Milwaukee roofing contractor is knowledgeable about shingle selection and installation.
Roofing Material #3: Engineered Tiles and Materials These days there are many types of roofing shingles that are manufactured to look like wood or shake, among other things. These products meet fire codes and restrictions and can often be cost effective and low maintenance. A good contractor can help guide you in your selection of engineered roofing materials.
Material #4: Slate Slate is a beautiful for Milwaukee roofing contractor. It is a high end roofing material, it sheds ice and snow, and it has a classic appeal. Slate is also very heavy and requires a structure built to withstand that amount of weight. It is also expensive to buy and install. It is, however, now available in an engineered product which is less expensive and considerably lighter. This option makes a slate look-alike roofing shingle Roofing Albuquerque an affordable consideration for many builders and contractors to suggest to their clients.
Roofing Material #5: Metal Metal roofs are cheap, rugged, and long lasting. They vary from the low end of galvanized metal, like you would see on a barn, to high end copper. Metal roofs can be a great residential roofing option, as it is generally maintenance free and can protect from fire damage in high fire areas. Metal is another roofing material that requires proper installation as even small mistakes can cause leaks.
Roofing Material #6: Ceramic Ceramic roofing material is most commonly seen in Mediterranean style homes. The most often used ceramic is the barrel tile, or the half cylinder, but also common is the ceramic clay tile roofing material. Ceramic roofs are beautiful but are heavy and the installation is quite labor intensive. A good Milwaukee roofing contractor can locate master roofers to ensure proper installation of a ceramic roof.
Elite Roofing & Home Improvements, LLC provides detailed information about shingles, cedar shingles, fiberglass shingles and more.

Roofing Albuquerque

Originally posted 2013-03-17 19:34:38.

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How to Get An Online Cash Advance

March 6th, 2014 by

How to Get An online cash advance

By eHow Contributor

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You don’t have to go to the check cashing place to get a cash advance if you’re in trouble. You can now get an online cash advance http://www.advanceloan.net/cash-advance/ from the comfort of your home, with the security that you aren’t being manipulated by a shady business in a bad neighborhood! Here are the steps to get your online cash advance, and stay ahead of bills and worry.

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First, check the Better Business Bureau online for reputable online cash advance companies. Make sure they have “accredited” status.

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Originally posted 2013-10-30 02:29:33.

Traditional Native American Jewelry For Every Occasion

March 6th, 2014 by

The appeal of Native American jewelry will forever be present
due to the amazing craftsmanship. Most are embellished with
the most desirable materials and are always trendy for every
season.

Jewelry will always be popular and with the current styles
and trends found in Native American inspired pieces, this
amazing jewelry can set the mood or tone for your whole
wardrobe.

Native Americans from the Atlantic to the Pacific used
unique and beautiful materials in creating jewelry. The
specific style for Native made jewelry is often times formed
from silver and intricate detailing of natural stone such as
turquoise. Its highly ornamental diversity is one of the
unique features of Native AMerican jewelry.

Enhancing the specialized look making the pieces some of the
most recognizable styles available today, the Europeans
contributed their ideas to the construction of traditional
Native American jewelry pieces.

Some of the prolific tribes of Native American Indians that
made impeccable jewelry can be included in the following.

Hopi – Their work with silver overlay is most known. It
distinguishes their jewelry from others and are also known
for their focus on cultural designs, animal and nature, as
well as clan symbols as the signature of their work.

Navajo – The Navajo Indians used both abalone and white
shells to create beautiful kinds of jewelry.

Today, they are
commercial commodities that are always appearing in
mainstream jewelry selections.

Pueblo – Shale, a form of red clay, was used by the Pueblo
Indians to create unique jewelry pieces. They are considered
as the masters of turquoise and created almost every possible
jewelry design with the use of this beautiful stone.

Zuni – The Zuni workmanship is highly regarded for its
intricate designs and the use of silver in lieu with
lapidary work. The Zuni Indians focused their designs on
stones and using silver as the main outline or frame for the
design to fit. Apart from the beautiful stones, they are also
very famous for their fetish animal, carved in precious
materials and used as adornments and jewelry.

Many of the materials used today for the making of Native
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Also used are precious stones including opal, lapis, and the
every famous turquoise. Silver is the metal of choice and
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Jewelry crafted by Native Americans is known around the
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Originally posted 2013-09-12 13:52:18.

Getting Cheap Car Insurance

March 6th, 2014 by

Insurance policies mean you have to make regular payments, and these payments cut a slice on your finances. Many people don’t like paying too much for insurance products. This is why they tend to get cheap car insurance. Low-cost automobile insurance is not necessarily inferior to the rest of the insurance products. There are important questions to ask.

What type of car do you have?

The value of your car affects the amount of insurance you pay for it. Generally, small cars mean lower premiums. Car insurance advisers say that choosing a car you can afford is a good thing.
Details about the car are important. Insurance companies want to see correct details. For instance, ownership should be clearly established. Where the car was bought is another thing that affects the premium. Imported cars may have higher insurance cost because its parts are difficult to find or pricey.

Does your car have enhanced security features?

The security features of your car are an advantage. Aside from providing safety, the security features also reduce the amount of insurance. People whose cars have alarm system, immobilizer, and tracker may have the cheapest car insurance premiums. The rationale is that cars with safety features have low chances of being stolen. The alarm system alerts the owner in case an intruder tries to break into the automobile. The immobilizers keep your car from being started by an intruder. The trackers, on the other hand, allow your car to be recovered after being stolen. It would be an advantage to make sure the car you buy has enhanced security mechanisms. New cars generally have enhanced security elements.

Who owns the car?

There Cheap Car Insurance is a difference between car owners and car keepers.

Insurance companies usually ask whether the person who owns the car is also the one driving it. If you own and drive your car, you can get cheap car insurance quotes. If someone else drives your car, quotes can be higher.
How is the car used?
The insurance provider will ask how you use your car. If you insure a car for personal use, it must be used for personal transportation purposes only. If you drove the car for business purposes and you get into an accident, your insurance provider may not reimburse costs incurred during the accident.

Cars used for business purposes sustain bigger premiums. Usually, only cars used for personal and family purposes can qualify for cheap auto insurance. If your car is only used for daily driving to family or friends, you may pay low premiums. Insurance providers assume that the more frequently you use your cars, the higher your chances of having car accidents.

What kind of insurance do you need?

Car insurance has varied levels. Depending on your need, you may go for third party or comprehensive auto insurance. Third party insurance is very limited and covers only claims of third parties. If you slam into the car of someone else, your insurer will cover their repair expenses, but you shall pay for your own car repair. There are insurance products that provide a wider range of protection that includes fire damage and theft. Comprehensive car insurance has a wide coverage including fire, theft, damage due to accidents, and third party claims. The rule of the thumb is that the wider the coverage, the higher the premium.
 

Originally posted 2013-10-03 19:54:43.

How can High Risk Drivers Receive Cheap Auto Insurance Quotes

March 6th, 2014 by

How can High Risk Drivers Receive Cheap Auto Insurance Quotes

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HomeFinance ArticlesInsurance ArticlesHow can High Risk Drivers Receive Cheap Auto Insurance Quotes

How can High Risk Drivers Receive Cheap Auto Insurance Quotes

By Cal Itson on June 06, 2012
0

Finding cheap car insurance is particularly difficult those labeled as high-risk drivers by the industry. High-risk drivers are those who pose a greater financial threat to the insurance service providers. Insuring these customers is considered to be risky because they are more likely to file frequently for claims.

The category consists of two different classes of drivers. The first group is the teenage drivers with a very high chance of getting involved in accidents. The second group is that of people who have a poor driving history with records of offenses, accidents, and violations. It is not easy to find cheap auto insurance quotes for these drivers because many companies are not too keen to have them as customers.

In spite of this huge disadvantage, it is not completely impossible for these drivers to receive inexpensive insurance deals. Shopping around for cheap auto insurance quotes is one of the best options for them. There are many websites that offer tons of insurance quotes from different service providers. There are many companies that provide specialized service for the teenagers and bad drivers. Moreover, these companies also offer different types of discounts to these high risk drivers. The high-risk car owners must make maximum use of these discounts to bring down their insurance rates.

The teenagers can enroll with any of the driving schools and obtain a certificate after completion of a safe driving course. Many insurance companies recognize these certificates. Another useful option for them is to drive a car that is cheap and small. The chances of receiving cheap auto insurance quotes can also be brightened by installing the necessary safety features in the car. Many teenagers join their parents in a combined policy. There are some companies that offer special discounts for the good students, too.

The scenario can be even more difficult for the poor drivers. However, there are many factors other than driving history that influences the premium rate. Good credit rating can be of great help for a person with poor driving record while searching for cheap insurance quotes. Paying the entire year’s premium in advance is also an effective alternative. Moreover, there are many companies that have an accident forgiveness policy. These high-risk drivers must get in touch with them to minimize their car insurance cost. These drivers must also try to repair their reputation as a driver in order to receive cheap auto insurance quotes from the insurance companies in the future.

Finding cheap auto insurance quotes can seem like a part-time job at times, especially if you’re in state like Florida where it seems impossible to find cheap auto insurance in Florida. Or perhaps you’re on the West coast and want to find cheap auto insurance in California. Regardless of where you are, Cheap-Auto-Insurance-Today.com makes it possible to learn about insurance AND also receive multiple free quotes so you can find great rates and coverage!

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Cal Itson has published 11 articles. Article submitted on June 06, 2012. Word count: 408

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Originally posted 2014-01-01 19:31:16.

What are Senior Loans?

March 6th, 2014 by

Senior loans, also referred to as leveraged loans or syndicated bank loans, are loans that banks make to corporations and then package and sell to investors. While this asset class has received little attention until recent years, it made up 4% of the total U.S. bond market – and 17.5% of the corporate bond market – at year-end 2010, according to the money management company Invesco. The asset class exploded in popularity into 2013, when its outperformance in a weak market caused senior loan funds to attract billions in new assets even as the broader bond fund category experienced massive outflows.

Here’s what you need to know about this fast-growing and increasingly popular market segment:

Secured by collateral: Senior loans are so named because they are at the top of a company’s “capital structure,” meaning that if the company were to fail, investors in senior loans are the first to be repaid. As a result, senior-loan investors typically recover much more of their investment in a default. In addition, senior loans are typically secured by collateral such as property. As a result, they are considered to be less risky than high-yield bonds.

They’re by no means risk-free: These types of loans are typically made to companies rate below investment grade, so the level of credit risk (i.e., the degree to which changes in the issuers’ financial condition will affect bond prices) is high. Senior loans are more risky than investment-grade corporate bonds, but slightly less risky than high-yield bonds.

It’s important to keep in mind that this market segment can move fast. From August 1 to August 26, 2011, the share price of the largest exchange-traded fund (ETF) secured loans that invests in the asset class, the PowerShares Senior Loan Portfolio (ticker:BKLN), fell from $ 24.70 to $ 22.80 in just 20 trading sessions – a loss of 7.7%. Bank loans also fell sharply during the financial crisis of 2008. In other words, just because the bonds are “senior” doesn’t mean that they aren’t volatile.

Attractive yields: Since the majority of these senior bank loans are made to companies rated below investment-grade, the securities tend to have higher yields than the typical investment-grade corporate bond. At the same time, the fact that owners of bank loans will be paid back ahead of bond investors in the event of a bankruptcy means that they typically have lower yields than high yield bonds. In this way, senior loans are between investment-grade corporate bonds and high yield bonds on the spectrum of risk and expected yield.

Floating rates: One of the most compelling aspects of bank loans is that they have floating rates that adjust higher based on a reference rate such as the London Interbank Offered Rate, or LIBOR. Typically, a floating rate note will offer a yield such as “LIBOR + 2.5%” – meaning that if LIBOR were 2%, the loan would offer a yield of 4.5%. The rates on bank loans typically readjust at fixed intervals, usually a monthly or quarterly basis.

The benefit of the floating rate is that it provides an element of protection against rising short-term interest rates. (Keep in mind, bond prices fall when yields rise). Typically, floating rate securities perform better in an environment of rising rates than plain-vanilla bonds. The combination of higher yields and low rate sensitivity has helped make senior secured loans loans an increasingly popular segment for investors.

Learn more:What are floating rate bonds?

Diversification: Since floating-rate notes tend to be less rate-sensitive than other segments of the bond market, they can provide a high level of diversification to a standard fixed income portfolio. According to Invesco, bank loans have very low correlations with the broader market and a negative correlation with U.S. Treasuries – meaning that when government bond prices go down, senior loan prices are likely to go up (and vice versa). As a result, the asset class provides investors with a way to pick up yield and potentially dampen the volatility of their overall fixed income portfolio. This represents true diversification – an investment that can help fulfill a goal (income) and yet move in a largely independent fashion from other investments in your portfolio.

How to Invest in Senior Loans

While individual securities can be purchased through some brokers, only the most sophisticated investors – those able to do their own intensive credit research – should attempt such an approach. Fortunately, there are plenty of mutual funds that invest in this space, a full list of which is available here. In addition, the PowerShares Senior Loan Portfolio – the ETF mentioned previously – provides access to this asset class, as do SPDR Blackstone/GSO Senior Loan ETF (SRLN), Highland/iBoxx Senior Loan ETF (SNLN), and First Trust Senior Loan ETF (FTSL).

Disclaimer: The information on this site is provided for discussion purposes only, and should not be construed as investment advice. Under no circumstances does this information represent a recommendation to buy or sell securities. Always talk to a financial and tax advisor before you invest.

secured loans

Originally posted 2013-12-20 07:33:33.

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