Broadstruck Error Coins Not Always Valuable

By Brad Hall Sometimes people will have a tried and true error coin in their hands and not have much money in terms of value. This is a testament to the value that is placed on the many types of errors that can occur in the mint and how often they occur. A good example would be the broadstruck error coins. While it is true that this is a true form of error coin, that does not mean that it is actually all that valuable in every case. One must determine how often this occurs for the denomination that you have in order to understand what you have in terms of value. Broadstruck error coins occur when the blank planchet does not drop into the retaining collar all the way so the coin is struck on a slant. So what you get is a coin that appears to be off center in a way but is actually centered but just shift off the side. Most often the coin will appear to be flat on one edge while thicker at the other edge. This is due to the displacement of the metal when the planchet is struck by the dies as they come together. More often than not the broadstruck error coins are very common. This is a common problem for the mint as they have not devised a way to make sure that the coin drops into the collar all the time. Then you throw in the fact that not every coin is inspected before leaving the mint and you have an error that leaves the facility on a regular basis in many of the denominations that are struck these days. What really matters when it comes to the broadstruck error coins is the denomination of the coin and how many examples have been on the market in recent years. The more rare the strike the more valuable the coin. In most cases pennies or cents have little value in the broadstruck error coins department because this occurs most often on this denomination. For the higher values you should look to the higher denominations, like quarters. When a new state quarter is issued the demand for broadstruck examples is high and the demand for the previous versions drops sharply. This is shown as well with the Washington quarters where there is very little demand for broadstruck error coins in this version unless they are very dramatic. Brad Hall is the editor for http://us-mint-coins.blogspot.com the number one resource for broadstruck error coins information on the web. Article Source: http://EzineArticles.com/?expert=Brad_Hall http://EzineArticles.com/?Broadstruck-Error-Coins-Not-Always-Valuable&id=217252 lorazepam used for
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Slapped in the Face!

By Veronique Belmar They kept it all It was thrown in the streets, the highways and byways. Yes, the silver, the gold, the diamonds, the dollars, the pound notes and other currencies. No! No! Too late! Too late! We cannot use it now! Pestilence, disasters, disease, plagues, heat, cold, floods fire, and earthquake are all around us. Angels, horses, chariots and a king are all visible in the sky. The noisy trumpets are sounding loudly, the sky is rolled back and the heaven is on fire, what use is money to us now? Money given but Rejected Employers, husbands and wives, fathers and mothers, sons and daughters, boyfriends and girlfriends, emptied their bank accounts for those in need but had problems giving the money away. Employers pleaded, Here is the money that we owe you guys and sorry about the delay. I believe we owe you lots of money. Here is what we owe take it and buy what you need. Thank you, boss, but our bills are all paid for, our fridges and freezers are filled with food, and our homes are warm and we are not cold and hungry any more! Wife, says the husband, take this money and buy enough food in the house to feed yourself and the children.
Thank you, husband, but we are not hungry anymore; we are full and have all thats needed!
Im terribly sorry for not being there for you and the children when you needed me. When you asked me for financial help I turned away from you, although, I knew the situation. Also, my friends, relations and work meant more to me than you and the kids, even knowing that we were a married couple and had a family; I still did not do my duty. Instead, I was a husband and father to others, even to my work place. When I took my friends out I paid for their meals, drinks, and helped pay for their holidays. Also, I left you at home and went on holidays with friends, relations and with my work place, and left all to suffer. Therefore, I have failed as a husband and father. My son my daughter here is some money, buy yourselves the things that youve always needed for some time now!
Thanks mum and dad but I dont need these things anymore. I have enough now and plenty to spare and I shall not be in need anymore. Goodbye mum, goodbye dad, sorry to know that I shall never see you again. Dear mummy and daddy, Im sorry for not helping you out when you needed me, but Im here now and ready to help you. Here is some money to pay your rent/mortgage and to pay your heating bills.
Thank you my son and daughter, but our rent/mortgage and heating bills have all been paid for us and never again shall we ask or need your help. Your unkindness toward us has separated us eternally and we will not see each other again. Farewell my son, farewell my daughter! My girlfriend, here is some money to help you buy some shopping and help with your rent while you are studying.
Thank you my love but Im not in need anymore. A kind person saw my desperation and came to rescue me and now your help is no longer required, goodbye, we shall not meet again! My loving boyfriend Ive bought you a present and its something youve always wanted.
Its okay now my darling, I dont need the heater anymore. My room is warm and Im now resting in the glory and warmth of my Lord. Farewell! Farewell! I shall not see your face again. Final Plea to Take what was Robbed The rich men and women pleaded with those whom they robbed and cheated and did not help to take the money that was offered them. But the money was thrown into the streets because it was useless and had no value. It could not buy food, medicine, clothing or any of the necessities of life. Everything in the world was now free, but no one was interested in this freedom of wealth. How Some got their Wealth The poor were robbed, orphans forsaken, widows and widowers neglected, the sick forsaken, the naked given no clothing, and the hungry went without food. For centuries the poor have been forsaken and robbed by those who were so much wealthier than they. However, there is no harm in being wealthy but the problem occurs in how this wealth was gained, worshipped and distributed. When money is not being put to good use but hoarded for self gratification, sin lurks at the door and evil takes control. Money is not an evil thing in itself, but the love of it makes it evil. And because of the love of it, many lives will be lost eternally. A Man Died that you might Live! Jesus left his home in heaven and came to this evil world to save humanity from total ruin. As a result of dying on the cross we became His priceless gem and given the opportunity of having eternal life. When He was on earth He did not only heal the sick but cared for those in need, although, He was Himself poor. Therefore, Jesus is our example in caring and loving each another. Reminder The things of this world are only but for a short time, so dont set your hearts on the temporal things because they are only for a moment. Dont allow your worldly goods or the pleasures of this world rob you of eternal life. Just remember its not wrong to have riches but its the love of it that makes it evil. Do your best in doing what is right, then you shall hear those wonderful words spoken by Jesus Well done thou good and faithful servant, enter thou into the joy of thy Lord. I was hungry and you gave me food, naked and you clothed me, sick and in prison and you visited me! May the Lord bless and keep you, may the Lord cause his face to shine upon you and be gracious unto you, may the Lord lift up the light of His countenance upon you and be gracious unto you this day now and for evermore, AMEN. Veronique Belmar write books on Biblical Prophecies, Health Books, Children's Books, Poetry, and many more. At the age of fourteen she started reading the Holy Scriptures. She read the Bible stories, such as the creation of the world, death of Christ, the resurrection, Christ's second coming, the judgment, Bible prophecies, and many more, and her writing is based on giving information that would help bring hope, joy, peace and happiness to others.
Veronique Belmar is author of Words of Life (http://www.wordsoflifegh.com). Article Source: http://EzineArticles.com/?expert=Veronique_Belmar http://EzineArticles.com/?Slapped-in-the-Face!&id=187375 how long does lorazepam stay in your system
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Why Aren't People Calling?

By Tommy Yan One of the most expensive ways to waste your marketing dollars is through shallow, boring and unemotional marketing copy. Yet anyone with a keyboard, a desktop publishing program and graphics ability can produce some of the most wickedly boring and unprofitable marketing promotions since the inclusion of the Sales Prevention Department. If you want to grab your prospect's attention and get them calling, you must make them hungry. How do you do that? First you identify their pain. You paint the picture of something that's bothering your prospect and what she desires in return. You do this in the opening of your promotion to grab her attention. Which is more compelling: A) Acme Loan Company has been in business for ten years. We specialize in mortgage loans, re-financing, loan consolidations, and paying off debts. Borrower's Guide Magazine has named us the number one fastest growing loan company this year. Why settle for the rest when you can borrow from the best? Or this... B) Are the banks ripping you off? Studies show that most consumers are overpaying from $317 to $1,159 on their loans every single month. This is money they could be using to pay off credit card debts, medical bills or deposited into their children's college fund. At Acme Loan Company we specialize in helping you get more of your money back into your hands. I hope you agree that "B" is a more compelling opening. The job of the opening is to lead your prospect into the body. The body is where you not only tell, but also show them why they should call you. The body is where you paint the solution your prospect seeks. In this section, you tear down their wall of skepticism and build value for your product or service. And this is the section where you ask for the sale. A good body should include: * A description of your product, service or event; * Benefit points that show what they get; * Proof that it works through testimonies; * Interesting facts; * Price; * Guarantee or warranty; * Call to action; and, * Bonuses or premiums. By the way, many well meaning business owners overuse bullet points like the ones I've listed in the previous paragraph. They believe people aren't going to read the body, so they shortcut the process by writing bullets to list their points or agendas. If you're still reading this, you know this isn't true. People will continue reading if you've captured their interest. Now bullets will work if you're promoting a low-priced or no-cost event through a flyer, but it won't work for a $900 workshop like a colleague of mine just tried promoting on her website. Bullets alone do not convey the urgency and importance of your event. Especially if it's in the mid- to high-price range. And now the conclusion... Your close may include restating your benefits, a postscript, contact information, another urgent call to action, a surprise bonus or an all-encompassing reason why they must call you right now. Here's an example of a close I wrote from an online sales letter: What to do next? If you have questions, pick up the phone to call me personally at 123-456-7890 between 9am-5pm Pacific Time. If I'm out of reach, I promise to return your call as soon as possible. If you're ready to register now, click on this link to reserve your seat. Warmly, Your Name Founder: Your Company P.S. How to Give Powerful Presentations in Eight Hours is the premiere program I'm offering to only eight success speakers. If you want to attract more out of life through speaking, register NOW before all the seats are filled. Once they're gone, you'll be put on a waiting list. P.P.S. Surprise bonus #4. Attendees of this powerful event will also receive a $50.00 gift certificate to attend one session of my Blah, Blah, Blah program. You will learn about speaking "in the moment" and creating relational presence. This session will help you think on your feet and less dependent on notes and memorization. Are you seeing how this works? With compelling copy, you can boost your response rates and get more business. Why on earth would you settle for less? You can run the same successful promotion every time and take the guesswork away from your marketing. Tommy Yan helps business owners and entrepreneurs make more money through direct response marketing. He publishes Tommy's Tease weekly e-zine to inspire people to succeed in business and personal growth. Get your free subscription today at www.TommyYan.com. Get a FREE 5-week Secrets to Web Mastery e-course. If your websites aren't making sales or capturing leads, you can't afford to let it idle in Cyberspace. Read more... Article Source: http://EzineArticles.com/?expert=Tommy_Yan http://EzineArticles.com/?Why-Arent-People-Calling?&id=575401 ambien and narcolepsy
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Why Being Just Friends Is Impossible

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Tips for Fat Loss

By Christopher H Smith This short article will provide you with a few tips that have been proven to help people lose fat and keep it off without resorting to those "Miracle Pills" and cookie cutter diet plans. The simple fact is fat loss cannot be found in a bottle or on some infomercial. Fat loss is acquired through hard work, knowledge, and dedication. One of the best things you can do for yourself is set up a consultation with a dietician or nutritionist and set up an eating program that is catered to your tastes and requirements. I tend not to recommend any sort of specific diet plan to anyone as everyone is different and there are far too many variables included to cover all the bases using this media. With that quick intro out of the way, the following will outline 3 of the best tips to help you acquire the fat loss you are after. Tip #1 Make Muscle! Making muscle is important to fat loss in that it takes twice as much energy (Calories) to support muscle and maintain it. This translates into higher calorie expenditure which then translates into loss of fat. Some people advocate starving the body to lose weight, while this may look good on the scale, it does not look good in the mirror. Starving the body causes the muscle to breakdown and use it as energy. When this is done the weight on the scale goes down but the fat sticks around. This is because in a move of self preservation the body will store the fat and burn the muscle because it doesn’t know when its next meal is coming. The body’s primary source of fuel is Fat and it prefers to use this when all conditions are optimal. The next source of fuel that the body taps into for energy expenditure is Carbohydrates. Your body uses this energy for longer aerobic type workouts such as jogging or marathon running. Again it is not good to starve the body of this type of energy as it will cause you to tap into the muscles for energy. It sounds like a vicious circle, but in reality it is relatively easy to navigate. Tip #2 Eat, Eat, Eat!!!! The basic rule to follow is to eat many small meals a day, I recommend 6, and include at the heart of it at least one piece of protein. The rest of the meal should include what I call “light-carbs” which include but are not limited to apples, bananas, oranges, spinach, corn, carrots etc… The type of carbs that are gonna cause you to store fat are what I refer to as, you guessed it “heavy carbs”, these include but are not limited to potatoes, pasta, bagels, bread, etc….The third part of the meal should contain what is referred to as essential fats. These can include but are not limited to olive oil, extra virgin olive oil, omega 3 fats from eggs, fish oil, flax seed oil. These essential fats actually help the body to attain further leanness by causing the body to burn its fuel more efficiently. Your biggest meal of the day should be breakfast. A good analogy I like to use is the campfire. Think of a campfire, in order to make an efficient one you have to start with small pieces (think 1 of the 6 small meals you should eat), then build on it until you get that sucker really going and burning to its fullest. When its seems to weaken you add more kindling to it (think 2nd meal out of 6) and so on and so forth. As you can see by the end of the day this fire has been burning strongly all day and is using up all the resources added to it. This is not so when you try to get by eating once or twice a day. That is the equivalent of throwing a big log on the fire, what happens then? Its takes hours to burn and sometimes not all of it burns up right? I liken that to fat storage. I hear so many say that they can’t lose weight even though they don’t eat much. The key is to eat frequent, eat small, and eat right, this ensures the campfire burns well into the night. I recommend eating every 2.5-3 hrs for optimal metabolic benefits. By the way, this little campfire analogy is describing how your metabolism works. Again, this is not the definitive guide for nutrition but it is a starting point and gives you a few things to think about. So here is a recap of the above: -Eat frequent small meals, spaced 2-3 hours apart. -Include 20-30 grams of protein with every feeding -Include “Light Carbs” at every feeding limit the use of “Heavy Carbs” -Consume healthy fats which include fish oil, flax seed oil, and omega fats Tip #3 Drink that Water!!!! Another tip to include is the consumption of water. It is vital to consume at least 64 oz. of water a day. This is a two-fold agenda here, the first being that it will help flush the body of toxins and the second is that it will ensure proper hydration for organ functions. A good way to break up the monotony is to mix in some crystal light which will add a bit of flavor. Water will also aid in the breaking down of food in the digestion tract. Christopher H Smith
I.S.S.A Certified Personal Trainer and Nutrition Expert.
The Fat Loss Blog
Smiths Training Systems
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Are You Losing Weight and Getting Fatter?

By Robert Adams Your Can Turn Fat into Muscle...... Fact or Fiction??? Completely False!!!! First of all Fat and Muscle are two completely different tissues in the body. Unfortunately we see people transform themselves from FAT to FIT and it almost looks like the FAT just morphed itself into bulging muscles of steel. In Reality, the only way anybody ever turned FAT into Six Pack Abs is by losing fat (Reducing their Body Fat %) and building muscle that was lying beneath the layers of FAT. Your Best overall strategy for doing just that is: A high-protein, low fat, good quality carbohydrate healthy eating plan, a solid strength training and exercise program that includes hi intensity training, and interval hi intensity cardio workouts. That is the Triple Threat in converting FAT into MUSCLE.... So make sure you maximize your FAT LOSS and MUSCLE Gain by using the Body Perfect Fitness Factors: @ My Online Personal Trainer Healthy Eating Plan- Refuels your workouts and helps burn FAT Strength Training- Hi intensity - Burns FAT/Builds Muscles in the afterburn mode Cardio Training- Interval Training - Helps support tremendous FAT Loss Rest and Recovery- Builds Muscles while Recovering Seek the help and guidance of a professional Personal Trainer or Fitness Coach. I promise you you will see the FAT disappear and the Muscle take its place. And you will have a more Energetic, Leaner, and Fitter YOU! http://www.body-perfect-fitness.com Article Source: http://EzineArticles.com/?expert=Robert_Adams http://EzineArticles.com/?Are-You-Losing-Weight-and-Getting-Fatter?&id=62347 generic ambien prescription online
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An Introduction To Green Tea

By Richard Romando An ancient Chinese proverb says, ""Better to be deprived of food for three days, than tea for one."" The Chinese have had tremendous faith in the healing properties of green tea for over 4000 years, something the world is discovering today. Green tea is made from the plant called Camellia sinensis, which is steamed to make tea. Green tea is rich in catechin polyphenols, especially epigallocatechin gallate, which is a powerful antioxidant with DNA repairing properties. The tea helps in fighting cancer, especially cancer of the esophagus. It has been said to also cure rheumatoid arthritis, high cholesterol, cardiovascular diseases, infections and even impaired immune function. New research is also proving it to lower high blood pressure by repressing angiotensin II. Rich in fluoride, it helps fight tooth decay. The action of the antioxidants in tea is more than that in over 21 fruits and vegetables, much more than garlic, spinach or even cabbage. Many are turning to organic green teas to reduce the harmful side effects of pesticides and fertilizers. Many prefer green teas flavor and aroma. When you buy tea claiming to be organic, ensure that it is certified from an internationally established institute, such as IMO. Some of these teas even have eco-friendly packaging, such as those made of natural jute fiber, handmade paper and recycled board. To make green tea, put a kettle of water on to boil. Add one teaspoon of green tea just before it reaches the boiling point and turn off the stove. Just cover it and leave for a while. If you boil the water, the taste will be astringent. You could have it plain or add milk and sugar, or lime and milk. You could drink up to 8-10 cups of tea per day. This will help with good health and slowing the aging process. However, do be aware that for some, the caffeine in the tea could result in insomnia. Green tea can be enjoyed both hot and cold. Tea provides detailed information on Tea, Green Tea, Herbal Tea, White Tea and more. Tea is affiliated with Benefits of Green Tea. Article Source: http://EzineArticles.com/?expert=Richard_Romando http://EzineArticles.com/?An-Introduction-To-Green-Tea&id=272978 phentermine online without rx
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The Skincare Equipment Kit

By Norah Kuch Remember what is important for young and glowing skin: cleanse exfoliate moisturize protect Glycerin soap /cleansing bars/
Because normal soap is too harsh for our delicate facial skin, good glycerin soap is a must. But soaps with moisturizing ingredients are good if you prefer soap and water. Cream cleaners Milky or creamy cleansers moisturize while they cleanse.
Apply them with your clean fingers, let them soak in, and then remove them with cotton balls. Foaming cleansers
For skin that needs deeper cleansing you lather them onto your skin and then rinse with the water. Cleansing wipes
Wipes are for girls and women who live low maintenance skincare. Choose ones that are designed for your skin type. Makeup removers
This is essential for removing mascara. Facial scrub
Gentle scrubs with micro beads or spheres of exfoliant will brighten up dull complexions. Toners
If you choose to use a toner, use one thats alcohol-free. Light moisturizers
Gel or lotion based moisturizers are beneficial during the day or for skin types that benefit from less oil and more water. Heavy moisturizers
Thick, oil-based moisturizers are best for winter, or on very dry or aging skin. Clay face mask
Perfect for helping clear pores; mud masks have similar effect. Moisturizing face masks
This type gives the skin a moisture boost - good ingredients to look for are: aqua rose water or seaweed. Peel-off masks
Often based on cucumber, these masks exfoliate the skin and give the face a bright and healthy glow. Eye creams
The skin around the eye is thinner and sensitive and needs richer; less irritating creams. Serums
This delivers concentrated hydrating and ant aging ingredients to the skin. Use them before your normal moisturizer, so they can be absorbed. Pore strips
Help clear black heads and reduce blocked and open pores. Blemish sticks
Usually containing antiseptic ingredients like witch hazel, salicylic acid or tea tree oil, and these help fight minor blemishes Sunscreen
This is very important!!!
Use sun protection on your face every day, even when the sun does not shine. Choose an SPF 15 sunscreen that contains titanium dioxide, zinc oxide or Parsol 1789 (avobenzene) listed as an active ingredients. For information on skin types check http://www.beautyuno.com/skintype.html Article Source: http://EzineArticles.com/?expert=Norah_Kuch http://EzineArticles.com/?The-Skincare-Equipment-Kit&id=193633 can i buy phentermine without a prescription
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IT Marketing: Successful Seminars

By Joshua Feinberg An important part of your IT marketing is seminars. In this article youll learn how to get the most of the seminars you hold. IT Marketing: Registration is Very Important Most seminars that you offer should be free, but to make these IT marketing events successful, always require registration because you have limited seating. The reality is, that because its a free event, not everyone is going to show. Have a check-in at the door, do some kind of survey in exchange for a door prize so you can ask them some questions and tailor the seminar to their interests. Make sure that you actually educate them on the things to look for and watch out for. You will have an easier time generating interest in an educated prospect than an uneducated one. The registration at the door gets you the all important contact information for potential clients. So, what you should you do after the seminar? IT Marketing: What to do after the Seminar Provide a handout that has your contact info and put some kind of limited-time special offer on there. Put the highlights into a short article that you can either hand out or mail to your customers and prospects. See if you can get it published in different places in your local area like your local business journal, chamber newsletters, or organization newsletters. Let anyone publish it who has an interest in educating their members or their readers on how and why they should protect their computers from viruses and security breaches and blackouts. After the seminar, you can take that article and turn it into a free report that you offer with advertisements. If youre running an ad in the newspaper you can say, Call us to get your copy of our free report on how to protect your blah, blah, blah. The key thing is youre capturing the contact information for you to follow up with for your IT marketing. For all the above, the seminar and the highlights article and the free report offering that highlights your expertise in this area, you could still offer that same fixed price audit package with some kind of special offer discount, and again, the more of a deadline you put on there, the higher the response youre going to get, Consider a Travelling Seminar for IT Marketing You could also take your seminar on the road. You could go out and offer this for chamber of commerce meetings and Rotary and Kiwanis. Theyre always looking for speakers to fill in for 15, 20 minutes at a breakfast or a luncheon. You have a captive audience. You dont have to worry about generating the demand- they will fill the seats and its a great way to showcase your expertise. You may want to approach some business partners, like setting up a good partnering relationship with an accounting firm. Get their clients together for a data security awareness seminar that could be tied in to something else that they were doing. Copyright MMI-MMVI, Small Biz Tech Talk. All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance} Joshua Feinberg helps computer consultant business owners get steady, high-paying clients. Learn how you can too. Sign-up now for Joshua's free audio training program that shows you how to use field-tested, proven Small Biz Tech Talk tools. Article Source: http://EzineArticles.com/?expert=Joshua_Feinberg http://EzineArticles.com/?IT-Marketing:-Successful-Seminars&id=180902 where to order phentermine
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Garden Plants That Attract Hummingbirds and Butterflies

By Lee Dobbins There is nothing more wonderful than relaxing in your guarded and watching the jeweled flight of humming birds and butterflies as they go about their business in your garden. But if you don't often see hummingbirds and butterflies in your garden, it's not because they don't like you, it's probably because they don't like your plants! Hummingbirds and butterflies are attracted to certain types of plants because they drink the nectar from them. Therefore its chance to reason if you want to attract them to your garden and one of the types of plants that they like. Now this doesn't mean that you have to limit yourself to just a few types of plants because there are many different shrubs and flowers that hummingbirds and butterflies love. when choosing flowers for your garden, you need to keep in mind the zone that you live in and whether you are planting it in a shady or sunny spot and by plant that will thrive under those conditions. The Red Columbine, for example, will attract hummingbirds and can be grown in zones 2 through 8. The vibrant red color of the plant will look beautiful in your garden as it blooms early in the season and will attract the birds just returning home. If you want a tall a plant that you could stick at the back of the garden you might consider the Delphinium which grows in zones 2 to 9 and can reach up to 5 feet in height. This is a great flowering plant for any garden scheme as you can get it in a variety of colors. If you want flocks of butterflies in the fall then you will want to plant a butterfly bush but beware these can grow very, very tall. These also attract hummingbirds and if you add a verbena bush alongside hanging fuchsia you'll have an area that is very attractive to these beautiful winged creatures. Marigolds are a common plan but they do produce nectar that butterflies love in a rather inexpensive so you can feel free to fill up your garden with these colorful flowers. Sunflowers are fun to have in the fall and also attract butterflies plus the seeds from the sunflowers make great food for your garden birds. One thing to consider when attracting butterflies to your garden is the type of butterfly that you want. Certain flowers attract certain types of butterfly's. The Rabbit Brush and Canada Thistle will attract monarch butterflies while the Geraniums and Lilacs will attract Swallowtails. Queen butterflies like daisies and the Gray Hairstreak plant is a good one to attract all different kinds of butterflies. Of course, you can't attract butterflies if they're not native to the area so you might want to research what types of butterflies are native to your area as well as which plants and native plants according. In addition to planting flowers that hummingbirds and butterflies like, you might want to add a source of water which will be useful for all kinds of birds as well as butterflies. Getting a nice birdbath, or just put out water set out in dishes will provide for your little winged friends. Of course, you want to be sure that you provide a healthy environment for them too, so be sure that you clean out the birdbath or water dish frequently and also be careful when adding bug sprays or insecticides as some of these can be harmful to birds and butterflies. Lee Dobbins writes for Backyard Garden where you can learn more about gardening and choosing garden flowers. Article Source: http://EzineArticles.com/?expert=Lee_Dobbins http://EzineArticles.com/?Garden-Plants-That-Attract-Hummingbirds-and-Butterflies&id=425869 buy phentermine hydrochloride
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Getting A Cash Advance

By [http://ezinearticles.com/?expert=Jason_Jell]Jason Jell When people are strapped for cash, the best option will be to get a loan from the bank. Since this takes days to process, the only way will be to get a cash advance. A cash advance is usually a short-term thing that is payable during the next salary. This is also known as a payback loan that can typically go up to $1,500. There are two ways to pay this back. The first will be to issue a post dated check with the original amount and accrued interest. The other will be simply letting the lender withdraw it online from the borrowers account. These lenders can be found in mini-malls and in the newspaper. After talking with a representative and filling up some forms, the money will either be given immediately or deposited into the account of the person. People who dont have time to go these places can do the same transaction online. The only thing needed is an Internet connection and after filling it up the web page, which can be done in less than 2 minutes, approval happens almost instantly. Here are some frequent questions to do who would like more information about a cash advance. Are the interest rates the same as banks? No. Cash advance lenders have been known to charge higher but the nice thing about it is that no collateral is needed when borrowing money. Can the individual extend the term of the advance? Yes. Normally, people return the money after 16 days when the check comes in. Those who still need it are required to pay the minimum with an additional interest charge for another 2 weeks. Will the borrower have to go through a background check? No because the borrower has already issued a post dated check or has given the bank account number so that this can be returned when the salary comes in. Can anyone avail of a cash advance? No. Lenders will only transact business with those who are employed otherwise it will be difficult for the person to pay the money back. Who are the ones who apply for a cash advance? Almost anyone can. But the majority is known to have cash flow difficulties or bad credit. This doesnt mean people who have the means dont because it also occurs once in a while. Do banks make cash advances? No, because it is considered to be unstable and not profitable. There are some big lending institutions that do aside from the small stores that are located in a certain area. There was a time that lenders dictated the interest rate. Since there has been a rise in the number of lenders all across the country, the government has tasked the Federal Deposit Insurance Corporation or FDIC to regulate the practice of cash advances. Everybody at point or another will need cash. Since it is kind of shameful to ask money from others, the best thing then is an advance. The nice thing about cash advances is that there are no long lines or collateral that needs to be put forward. Those who work there will not ask that many questions. All the person has to do is write a post dated check or give the account number so that money borrowed can be returned almost instantly to the lender. All Rights Reserved. Content may be reprinted as long as links remain intact. Jay Ashley is a financhial advisor and knows the ins and outs of getting a [http://123cashadvance.info]cash advance or a [http://123cashadvance.info/sitemap.htm]cash advance payday loan quickly and easily. Article Source: http://EzineArticles.com/?expert=Jason_Jell http://EzineArticles.com/?Getting-A-Cash-Advance&id=264900 buy phentermine from union pharmacy inc
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Haunted Typewriter or God

By Linda Dipman To my astonishment my typewriter began to move. Is this possible? I looked intently for some mechanical device that could cause such an impossible action. There was none. The typewriter clearly wrote a message, which ended in "My ways are not human ways trust in me, God has Spoken." A message from God? I showed the message to my best friend, but all she saw was gibberish . . . But I could read it clearly. Why me? Twenty years ago God called me. He revealed Himself to me through the life He gave me to live in this world. He opened up the flood gates of truth by explaining to me how to find Him. I am an upholster by trade. I have been using my hands to create beautiful pieces of furniture for the past 32 years. I am in the business of serving people and meeting their household needs. Why would God call someone like me? In the Bible we read that Amos was a farmer and David was a Shepard. Paul was a tent maker and Peter a fisherman. I guess it doesn't matter where we begin in this world. What matters is that we are willing to listen to God and do His will! Let me begin by telling you that God created this world and all of it's complexities for a purpose. He created every human being and He loves everyone. God created us so we would know Him and learn from all of our differences how to be compassionate, loving and kind. Learning how to hear God's voice is probably the most important thing a human being must do in order to begin to understand their own life purpose. Abraham received God's messages from Angels. They taught him how corrupt men can be when left to live in this world apart from God. Moses heard the voice of God through a burning bush. He became Israel's law-giver and judge. He gave the people laws to help Israel to understand the difference between right and wrong. Samuel heard an audible voice of God as a child. A voice that would later help him to give power and might to the armies of God who defended Israel from her enemies. A promise that one man can stand against a thousand men if he follows Him The book of Acts explains how people were filled with the Holy Spirit when they placed their faith in Jesus Christ. A Spirit that would talk to them in dreams, inspired messages, miracles, and wonders on the earth. A Spirit that would teach them on the inside all about Him. This is exactly what happened to me when I first started getting messages from God. In order for God to get my attention He talked to me through typed messages. Yes, my typewriter did the typing on its own. The messages were geared to teach me how to listen to the Holy Spirit within me. God's voice was the still small voice inside my head or the flashes of ideas that crossed my mind. They manifested themselves into visions and dreams. Hearing God's voice alone was not enough. I had to understand which voice was God and which was the voice of evil. I had to learn to discern what I was thinking and determine which path would lead me to do what was right. You must read the Bible in order to understand the difference between right and wrong thinking. The Bible shows us God and lets us see how evil hurts us and others. The Bible helps us to understand why we are tested so we will learn to do right. God taught me how to listen to Him through my upholstery business. He was the idea that kept me from making a mistake as I was matching difficult fabrics. He was the expert craftsman who taught me how to be perfect at my trade. He was my conscience making sure I did everything I promised to do in my business. If the customer ordered new foam, no matter how much money I didn't have, I replaced the foam. I did not cheat anyone. He showed me dishonesty through how my companies treated me. If I received the amount of fabric I ordered or if it was short a yard or more. Whether or not my foam was the same consistency that I asked for. Everything mattered to God. He wanted me to understand the difference between doing it the way man does it or doing it the way He wanted it done. He demanded that I have integrity. I found out very quickly by how I handled my business that God was always just, but people were not dependable. Many wanted to take advantage of me, but God taught me how to be firm and not to give up. God became my best friend and my defender. God showed me injustice and how people ruined this world by giving into Satan and doing evil. God explained that the purpose of our world is to teach us to want good. Following God in a corrupt world is hard. Because it is easy to get tripped up and turned down a wrong path. It is important that we learn how to pray and to trust God in faith that He will never let us down. God's messages made me a better person who cared about others and not just myself. He took my life and gave me a better life, because I chose to do what was right and refused to give in and cheat just because I could. Learning how to listen to God's voice makes our lives better and helps us win our game of life. No longer do we think just about ourselves. We live by the Golden Rule, "Do unto others as you would have them do unto you". "The Game of Life It's Almost Over". My name is Linda C Dipman and I am the author of "The Game Of Life It's Almost Over". I prove through the Bible and my own life story that we are in a huge multifaceted world game. My web page is www.outskirtspress.com/gameoflife. Go to Amazon.com or Barnes & Noble.com and Read "The Game of Life It's Almost Over" today and understand your destiny and how to win your game. outskirtspress.com/gameoflife thegameoflife Article Source: http://EzineArticles.com/?expert=Linda_Dipman http://EzineArticles.com/?Haunted-Typewriter-or-God&id=343737 phentermine without prescription free shipping
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Drug Free Headache Relief-More Simple Strategies to End the Pain

By Gretchen Zaitzeff Two possible causes of tension headaches include nutritional deficiencies and hormone imbalances. Eating a well-balanced diet that includes a small amount of low fat protein at every meal may help relieve reoccurring headaches. Vitamin supplementation can help resolve nutritional deficiencies. The following supplements can provide additional nutritional support for headache sufferers:
Calcium helps alleviate muscle tension.
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B-Complex improves circulation and hormone balance.
Vitamin C aids in the production of anti-stress hormones.
Vitamin E also improves circulation.
Glucosamine is a natural anti-inflammatory.
L-Tyrosine provides pain relief and stress reduction.
Hormone imbalances, particularly disturbances in serotonin levels, can also cause headaches which is why many women get headaches during their monthly menstrual cycle. In migraines, serotonin levels raise and then fall. During tension headaches, serotonin remains low all the time. Low serotonin leads to a condition that causes inflammation and swelling in the brains outer covering resulting in a headache. A high quality B-Complex supplement that contains folic acid, B6 and B12 can help regulate serotonin levels in the brain. Folic acid helps maintain normal levels of serotonin. B6 and B12 contribute to the myelin sheath around nerve cells, which speeds signals through the brain. These three Bs aid in the manufacture of serotonin and dopamine, neurotransmitters that regulate mood. Thats why Vitamin B supplements are sometimes called the Happy Vitamins. High quality, all natural, clinically tested supplements are available at our website, Better Health 4 Living. Every product comes with a 100% customer satisfaction guarantee. Gretchen Zaitzeff specializes in Family Health and Wellness. As a founding member of http://www.betterhealth4living.com, Gretchen helps individuals and families create healthier lives by providing health and wellness information and products online. The mother of six, Gretchen has twenty years of experience motivating children, youth and adults to eat their veggies, take their vitamins, and get some exercise. Drug free living topics, weight loss and childrens health are her specialties. Sign up for her free Health & Wellness Newsletter (http://www.betterhealth4living.com/free_health_newsletter.php) and start living a healthier life today! Article Source: http://EzineArticles.com/?expert=Gretchen_Zaitzeff http://EzineArticles.com/?Drug-Free-Headache-Relief-More-Simple-Strategies-to-End-the-Pain&id=431326 buy phentermine 37.5 online
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How to Order Flower Arrangements Online

By George Wood You can easily order flower arrangements online and have them delivered to your place. There are many sources to choose from. Some leading names in the online flower business include FTD, Hallmark and Flowers Across America. You will have to visit their websites in order to browse through their collection of bouquets, flower baskets, centerpiece arrangements, plants collection and a lot more. Some other websites to find flowers at are Teleflora and 1-800-flowers. Once you visit these websites you will know how to choose the flower arrangement you like the best and place an order for it. The best thing about ordering flowers online is that you can see right then what you are going to receive later on. This is especially beneficial if you have to order flowers or flower arrangements for someone else. You can browse through flower collection by the kind of arrangement you are looking for and also by price. If you are tight on budget you can also see the ones listed under sale section. There is a lot to find on online florist shops. Sometimes you even change your mind once you see a lot of stuff to choose from. We all want to buy something unique for our loved ones every time we have to buy presents for them. Giving away fresh-flower bouquets and potted flowering plants feels absolutely wonderful. You can also send some add-ons along with the flowers, such as a personalized card and ornaments. Most of the online flower shops offer to have the package wrapped up in a beautiful gift-wrap or an ornamental box. There are a lot of categories to choose from while buying flowers and flower arrangements online. The categories include single-flower bouquets, flower baskets, special bouquets (like the jingle-bells bouquet) and centerpiece arrangements. On most of the websites you will find sections on gifts and other items in addition to flowers. Ordering online involves three easy-to-follow steps. First you need to select a bouquet from their online collection (in some cases you would also need to specify the particular type of bouquet after selecting a generic one), after that you select a vase (four or five are listed in most cases with a little description of each one of them to let you know how they look like), and finally you have to select your delivery date. Sometimes the vase is not listed because they give it away free of charge. You can also select a no vase option if you want to order just the flowers. George Wood is a successful webmaster of many popular sites including flower tattoos and send flower site. If you want to read more about flowers, click over to George flower girl site. Article Source: http://EzineArticles.com/?expert=George_Wood http://EzineArticles.com/?How-to-Order-Flower-Arrangements-Online&id=381393 phentermine on line pharmacy
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How To Let Your Customers Search For YOU! - Part 2

By Dave Origano First I want to welcome you to part two of the article How To Let Customers Search for YOU!, where you can learn how to attract new clients at any time you want. The techniques I describe here have proofed to work for me and a lot of other people. In part 1 I have told you about posting at forums and writing articles. Now I want to tell you about another technique that can boost the effect of the other two. The technique may seen quite obvious, but I know that only a few people think about it. The first trick is to always give your honest opinion. Never turn around your opinion, lie to the members or adjust your opinion. That way they get to know who you are, know your opinion, and people are more likely to read your posts and talk about you, since you attract more attention. Members that ask for reviews ask for true, argumentated critiques, and you should give them what they ask for! Now some members may get upset. But those just arent ready for real business, they probably wont ever buy from you. They think they have build a great website, did a good job etcetera. But when they cant handle critiques, they have a sincer attitude problem. I recommend you to just ignore these people, or to offer your apologies and argumentate a little more. Its not always good to stay with your own opinion, sometimes you really have to adjust it. Adjusting it is only right when the opposite party comes with better critiques and facts. When they can argumentate better then you, admit that you were wrong. Some people are afraid to admit their faults, but you will later get recognition and praise for that choice. Just try to stay honest, and you will come very far! Here comes the second technique. Although it may sound a bit stupid, you can use it for: 1.) to gain respect from other members, 2.) get noticed more quickly and 3.) gain better results from the various techniques. That little technique is actually a follow-up on the previous technique I told you about, when you combine these two you get an enormous boost in popularity! So, lets cut the crap, here it comes: Be yourself, with a twist! The trick is to always act like your normal self, be honest and to add a little of your personal humor or sickness into your posts and articles. Maybe you could use some slang, use metaphors or add a quote. This will definately spice up your posts, people will feel compelled to read them, even when they dont have the time. Your posts will become magnetic and you will really benefit from that! Well, thats about it for this part. If you want to learn more techniques to become a human magnet, and attract all the customers, wisdom and wealth into your life... Please stay on the watch for part 3! Dave Origano is a 24-years old, who enjoys life within the fullest extent of the word. He has discovered various techniques that helped him and thousands of his clients to obtain the life that is beyond their wildest dreams. Now it is time to stop struggling in your life, you are invited to make a decision now! Please click the following link to read more: http://www.MrOrigano.com Article Source: http://EzineArticles.com/?expert=Dave_Origano http://EzineArticles.com/?How-To-Let-Your-Customers-Search-For-YOU!---Part-2&id=42743 phentermine no prescription mastercard
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Get Rid Off Excess Weight With Bariatric Surgery

By Nicholas Bowen Excess weight is a condition that can prove to be a big hindrance to several people in doing their daily work properly. In fact this can make it very difficult for a person to lead a normal life without any complaints. A medical study has found out that more then 60% of Americans are overweight, having a Body Mass Index or BMI of more then twenty five. More then thirty percent population is obese and has a Body Mass Index of more then 30. Obesity is increasingly world wide and if this is not taken care of properly it can reach to epidemic proportions. The only way to deal with this health issue is to undertake weight reduction programs. Bariatric is the branch of medicine which deals with the treatment of obesity. Obesity and overweight can have serious consequences on the health of an individual and this is why treating this condition effectively and in time is very important. Bariatric surgery is a weight loss surgery that reduces weight in individuals successfully. There are different techniques that can be used for reducing weight and fighting obesity, and all you need to do is find out which method will best suit their body type and health conditions if you have any. Bariatric surgery has been found to be hugely successful and mostly doctors recommend this procedure for people who are obese and overweight. The surgical procedure involved in Bariatric surgery works on three basic principals. First step is to bypass most areas of the stomach and this will help one reducing the amount of food that they intake. Second the small intestine is then rearranged in such a way that the intestine actually reduces the amount of calories that the body can absorb. This can help in effectively reducing body weight. The cost of Bariatric surgery can be quite high and the best way for an individual to meet the high expenses is to have a health insurance. If you are one of those individuals who are thinking of doing bariatric surgery to reduce excess weight, first make sure that you talk to your doctor about all the pros and cons of this method. Well you will surely not want to be the part of a medical procedure of which you do not have complete and proper information. Remember just because someone is obese or overweight does not mean that they are an automatic choice to undergo the bariatric surgery procedure. If the body weight of an individual is in excess to100 pounds, that person can be considered by doctors for the surgery. An overweight person who has tried out every other weight reduction methods unsuccessfully can opt for bariatric surgery to reduce weight. The person must not have a history of alcohol abuse, depression or any other major psychiatric disorder. The person must be above 18 years and less than 65 years to age to undergo this surgical procedure for weight loss. If at all an individual is suffering from any medical condition he or he must consult about this properly with the doctor prior to undergoing bariatric surgery. Nicholas Bowen is vastly experienced in weight loss procedures. He advises obese people about the best methods of reducing weight depending on their health and body condition. One of the reference sites he mentions regularly for information about weight loss surgery, gastric band, and gastric bypass surgery and stomach band techniques and bariatric surgery is www.gastricband.com Article Source: http://EzineArticles.com/?expert=Nicholas_Bowen http://EzineArticles.com/?Get-Rid-Off-Excess-Weight-With-Bariatric-Surgery&id=565029 phentermine online physicians and pharmacy
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Knowing Your Rights In Dating And Relationships

By Abbas Abedi "The object of all life is development; and everything that lives has an inalienable right to all the development it is capable of attaining. Man's right to life means his right to have the free and unrestricted use of all the things which may be necessary to his fullest mental, spiritual, and physical unfoldment; or, in other words, his right to be rich." From The Science Of Getting Rich By Wallace Wattles This extract from the science of getting rich is to talk about what you do have the right to have. Do you deserve to be with a woman (or man) that you truly desire? Do you deserve to be in love? Do you deserve to have a fun dating experience? The goal of life itself is to evolve. To become better and better at what you do, at how you live, at how happy you are; so of course, your relationships or dating life would have to be included as well. Since life's goals is evolvement and YOU are a part of life, therefore self improvement and personal development is not only natural to you it would make you happier as you are fulfilling a part of your genetic programming to evolve. What does it mean to get better at dating? First of all, learn from everything that happens on your date. After your date review everything that happened and decide how you could have done something better, or received an idea with more openness or were too slow to reject an idea to begin with. Second, Read. Read several books and websites on dating. Go over flirting, body language, conversation starters, maintaining interest, safety, etc. Don't assume you can figure everything out for yourself with what you have. Everybody needs information to make an informed decision. I am emphasizing this because I know many people who think they know what they are doing but are essentially making a decision based on a daydream. Even a little bit of research would reveal that most of their assumptions are wrong or inappropriate, of just plain bizarre. Know this. Men and women ARE separate species. At least, that is the way you should approach learning about the opposite sex, without assumption, as if learning about them for the very first time. Quite simply, it is your birthright to have the kind of dating and relationship experience that will make you truly happy. It may be that you do not know what will make you happy, or that you may have to work on yourself first before you attract the best date for you. Don't give up on dating or finding a good relationship simply because you have had some bad experiences. Don't expect the perfect mate to come along on the very next date. Simply enjoy the dating experience with each person and learn from it till you too "break free" to the dating and relationship life that you truly desire. Know that it is your birthright to life the dating and relationship lifestyle that will make you happy. You can make a difference by improving yourself, by learning about the opposite sex, by being optimistic and trusting that each experience is helping you learn more so you can claim your birthright. Abbas Abedi - To read more about how to attract women easily visit my dating and seduction tips blog; which has become an investigation into how dating success can be achieved easily. The right dating tip can make a big difference. Article Source: http://EzineArticles.com/?expert=Abbas_Abedi http://EzineArticles.com/?Knowing-Your-Rights-In-Dating-And-Relationships&id=544407 buy phentermine online no prescription needed
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How to Write a Simple Job Description

By Philip Lye 1.0 A timely reminder In a recent decision in a New South Wales court it was found that an employee was psychologically injured and that contributing factors such as not having a job description and controlling management behaviours were responsible. The employee was subsequently awarded $500,000.00 for psychological injury. Not having a clear job description can lead to significant expense, declining morale and uncertainty. In this is the case, you the employer is the party that will be penalised and the courts will not display leniency for ignorance or busyness. 2.0 The Job description A job is a collection of tasks and responsibilities that an employee is responsible to conduct. Job descriptions are lists of the general tasks and responsibilities of a position. Typically, they also include to whom the position reports, specifications such as the key responsibilities and qualifications and experience needed by the person in the job and can sometimes includes the salary range for the position. Job descriptions are usually developed by conducting a job analysis, which includes examining the key tasks necessary to perform the job. The analysis looks at the areas of knowledge and skills needed by the job.
A typical job description is used for advertising to attract an employee to fill a position, or to set the boundaries and parameters of the particular position that you want filled. However, many job descriptions are not framed well and this includes, not worded a job description in a manner such that the employee's performance can be measured and leaving out key flexibility clauses. It is not uncommon for a person to write a position description, hire the employee and then have the employee refuse to do the banking because banking was not incorporated in their job description. In cases where the dispute has gone legal the employee has a good chance of winning. Its all in the documentation. When drafting a job description it is paramount to include a flexibility clause that will allow the employer the right to direct the employee to perform other work that is within their recognized skill set. 3.0 What should I include in job description Your job description is an important document that needs to set out a number of key matters. 3.1 Purpose of the position The purpose of the position summarises the key reason the position exists within the organisation and a short paraphrase of duties the incumbent is required to understand and take responsibility for. 3.2 Position reports to Having stated professional boundaries is an important part of the organisation and employees understanding in who they report to and what they are responsible for. This prevents any misunderstanding which in the event of dispute will work against you if you do not have it documented. 3.3 Key responsibilities This section of the job description details the main tasks that the employee is accountable and responsible for. It should include the macro items however some employers like to include the micro detail as well. Of paramount importance is point four of the example (you may be required to undertake a variety of tasks, both skilled and semi-skilled, or carry out some other task which is not specifically within your traditional role provided the task is within your core skill competencies and legal requirements). This gives you flexibility to direct your employee to undertake other work not detailed in their job description. We are now living in an age of discontinuous change where todays tasks change tomorrow and this gives you the flexibility to grow with those changes. 3.4 Core Skills Core skills are those skills and experience that the incumbent will need as a minimum to perform the job in a professional and responsible manner. As such, you need to take particular notice when interviewing a perspective employee in ensuring they really do have these attributes. Research has discovered that up to 35% of qualifications, memberships and experience written on a resumes are false. This includes Masters and PhD degrees. Before giving the position to someone reference check carefully. Recently we assisted an Accountant whose employee warranted they had the skills and passed probation and then after probation dropped the ball. If a perspective employee signs off to say they have these skills and afterwards displays the contrary you have common law and industrial rights that protect you. 3.5 Occupational Health and Safety Occupational health and safety is a big ticket item of the industrial agenda today. To many lives lost, over 500 lives lost each year to industrial accidents. Most job descriptions do not contain reference to the employer and employee working within the framework of health and safety and do so to their peril. By including this clause, by induction and training you are able to demonstrate your commitment to health ad safety. 3.6 Sign off Sign off demonstrates that the employee has the core skills, experience, and safety awareness to carry out key responsibilities. In the vent of a dispute this is critical. You can find more information at www.biz-momentum.com EXAMPLE ABC ACCOUNTS POSITION DESCRIPTION Senior Receptionist PURPOSE OF THE POSITION: To effectively and in a timely manner undertake the duties of senior receptionist providing secretarial, clerical, financial & administration services to ABC Accounts. To assist with other duties as directed by your Manager. POSITION REPORTS TO: Administration Manager KEY RESPONSIBILITIES: NO: DUTIES 1. Perform reception duties including answering the telephone in a timely manner, directing client queries to the correct person, screening calls and representing the company in a professional manner. 2. Provide support to the Manager as required including compiling letters, memorandum and reports, screening incoming correspondence and arranging appointments for clients. 3. Process cheques and payment advice associated with the organisations creditors, debtors and invoices and other accounts payable and receivable in a timely manner. 4. In addition, you may be required to undertake a variety of tasks, both skilled and semi-skilled, or carry out some other task which is not specifically within your traditional role provided the task is within your core skill competencies and legal requirements. CORE SKILLS: 1. Minimum of 4 years experience in an accounting firm 2. Minimum of Advanced Diploma of Accounting or other professional education approved by ABC Accounts. 3. Display a professional and courteous manner in representing the organisations core value of excellence in customer service. 4. Ability to remain calm under pressure and effectively manage multiple tasks and deadlines. 5. Experience in compiling letters, memorandum and reports, making appointments and dealing with sensitive organisational issues with confidentiality and discretion. 6. Able to demonstrate a high level of experience and literacy in computer software applications such as Microsoft Office and computerised accounting software. 7. Able to work within the policies and procedures of ABC Accounts. OCCUPATIONAL HEALTH & SAFETY STATEMENT Assist the ORGANISATION to create a safe and healthy working environment by working safely, using equipment provided and following instructions given for health and safety purposes and immediately reporting any unsafe working practices or hazardous working conditions. I certify that I have read this Position Description have the core skills to carry out these duties contained herein and have had any questions or concerned answered to my satisfaction. EMPLOYEE SIGNATURE: _______________________________ DATE: ______________________________ EMPLOYER SIGNATURE: _______________________________ DATE: ______________________________ Philip (Phil) Lye is Managing Director of Biz Momentum providing professional services in human resource management and employee relations (HR / IR Matters), training your people to work with you, coaching you to be a better executive and commercial business consultation. Phil is a keynote-speaker who speaks with passion on subjects like kindness and the bottom line, last one standing, down and outers and up and outers, more from less on your bottom line as well as a diverse range of other topics. Phil started his working career as the postage clerk in banking and finance rising through various business opportunities to CEO and CFO of two companies before leaving to start his own business in 2002. Phil holds qualifications in Accounting, Leadership, Human Resource Management & Industrial Relations. 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New Generation Mobile Phones: Your Way To A Hi-Tech Lifestyle

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