Archive for November, 2008

Foreign Currency Market Tools to Protect Your Budget

Sunday, November 30th, 2008

There are number of tools and techniques available to currency buyers that can help avoid the risks imposed by the rapidly moving currency market. Most currency brokers will be able to offer you these risk avoidance tools. It is all very well negotiating a good price for your overseas property but so many people throw away their savings by not considering the implications of exchange rate fluctuations. No one can control the currency markets or predict in which direction they are going to move. Wildly moving exchange rates can have a detrimental effect on your budget or anticipated profits and any shrewd investor should consider the currency market tools explained below.

Spot Contract

A Spot Contract allows you to buy currency at the prevailing exchange rate and pay for it straight away. Spot contracts are generally used when foreign currency is required immediately, for example, a deposit on an overseas property. The currency is purchased from a broker and will usually need to be settled within 2 working days. This method is the best way to buy currency quickly and at the best exchange rate.

Forward Contract

A forward contract allows you to fix the exchange rate now for a specific date in the future. Forward contracts are ideal when you only need foreign currency at some point in the future but don’t want to expose yourself to adverse currency market movements. For example if you were buying a property overseas with the settlement price to be paid in a month, you would not know the exact cost of your property until you had bought the foreign currency and paid for the property. The currency market moves 24 hours a day and this would cause the cost of your property to fluctuate 24 hours a day. A forward contract lets you fix the cost of your property now. You wouldn’t buy a house in your own country if you didn’t know what it was going to cost, so it is always a good idea to protect yourself. With forward contracts you secure your exchange rate now and only pay when you actually need it. Rates can usually be fixed for up to two years.

Limit Order

A Limit order can be used if you have got time to hold out for a really good exchange rate. As mentioned above, the currency market moves 24 hours a day and if the exchange rate moves in your favour whilst the UK market is closed for example, you may miss the opportunity to take advantage. A limit order is an automated order to buy or sell currency that will be executed by a computer when the exchange rate reaches the level that you have specified. This tool is useful when you need a specific exchange rate in order to stay within a budget. You can set a higher level or limit to take advantage when the market moves in your favour or a lower level stop to protect yourself if the rate moves against you.

Ciaran McVeign is a currency broker at Foreign Currency Exchange based in London, United Kingdom.
http://www.foreign-currency-uk.com/

The 10 Benefits of Cross Cultural Training

Sunday, November 30th, 2008

Cross cultural differences can and do impede upon communication and interpersonal relationships. In the business world this occurs daily, where people from different cultures interact and are expected to perform and make decisions. Cross cultural training aims to develop awareness between people where a common cultural framework does not exist in order to promote clear lines of communication and better relationships.

Cross cultural training has many benefits to be gained by both participants and businesses. For participants in cross cultural training, the 10 main benefits are that it helps:

People Learn About Themselves: Through cross cultural training, people are exposed to facts and information about their own cultures, preconceptions, mentalities and worldviews that they may otherwise not have contemplated. Cross cultural training helps people learn more about themselves through learning about others.

Encourage Confidence: Cross cultural training promotes self-confidence in individuals and teams through empowering them with a sense of control over previously difficult challenges in the workplace.

Break Down Barriers: All of us have certain barriers such as preconceptions, prejudices and stereotypes that obstruct our understanding of other people. Cross cultural training demystifies other cultures through presenting them under an objective light. Through learning about other cultures, barriers are slowly chipped away thus allowing for more open relationships and dialogue.

Build Trust: When people’s barriers are lowered, mutual understanding ensues, which results in greater trust. Once trust is established altruistic tendencies naturally manifest allowing for greater co-operation and a more productive workplace.

Motivate: One of the outcomes of cross cultural training is that people begin to see their roles within the workplace more clearly. Through self-analysis people begin to recognise areas in which they need to improve and become motivated to develop and progress.

Open Horizons: Cross cultural training addresses problems in the workplace at a very different angle to traditional methods. Its innovative, alternative and motivating way of analysing and resolving problems helps people to adopt a similarly creative strategy when approaching challenges in their work or personal lives.

Develop Interpersonal Skills: Through cross cultural training participants develop great ‘people skills’ that can be applied in all walks of life. By learning about the influence of culture, i.e. the hidden factors upon people’s behaviours, those who undertake cross cultural training begin to deal with people with a sensitivity and understanding that may have previously been lacking.

Develop Listening Skills: Listening is an integral element of effective and productive communication. Cross cultural training helps people to understand how to listen, what to listen for and how to interpret what they hear within a much broader framework of understanding. By becoming good listeners, people naturally become good communicators.

People Use Common Ground: In the workplace people have a tendency to focus on differences. When cross cultural communication problems arise the natural inclination is to withdraw to opposing sides and to highlight the negative aspects of the other. Cross cultural training assists in developing a sense of mutual understanding between people by highlighting common ground. Once spaces of mutual understanding are established, people begin to use them to overcome culturally challenging situations.

Career Development: Cross cultural training enhances people’s skills and therefore future employment opportunities. Having cross cultural awareness gives people a competitive edge over others especially when applying for positions in international companies with a large multi-cultural staff base.

The above benefits are but a few of the many ways in which cross cultural training positively affects businesses through staff training and development.

Neil Payne is Managing Director of Kwintessential.
Visit their site at:
http://www.kwintessential.co.uk/cross-cultural/cross-cultural-awareness.html

Debt Relief – Debt Settlement vs Mortgage Refinance

Sunday, November 30th, 2008

No financial planner would ever recommend a mortgage refinance (one form of debt consolidation) to get out of credit card debt. It is substituting secured debt for unsecured debt and you could lose your home over a bunch of unsecured credit card debt if you get injured or can’t afford your new higher monthly payments.

Also, and these are verifiable published reports, 77% of all people who refinance their way out of credit card debt are right back at the same level of credit card debt 2.5 years later on average only now with less equity in their home. So it obviously isn’t fixing the problem.

why?

Because no behavior modification was needed. You made it too easy on them to just refinance out of cc debt. No financial planner will ever recommend that route.

In settlement though they have to go without using credit cards for 2 to 3 years and do go through behavior modication as does an alcoholic in rehab. Secondly, credit counseling entries on your credit report are as bad as bankruptcy entries
they will crash your FICO for 10 years and take you from a 700 FICO down to low 500’s literally overnight.

Debt settlement on the other hand is only a late pay on your credit report. Late pays bring down a 700+ FICO about 40-50 points, they bring down 600+ FICO’s about 30 points, and bring down 500+ FICOs about 10-20 points. But more importantly, the FICO goes back up more than the drop from late pays as we eliminate the debt so their debt to income ratio goes down to zero and their FICO is back up higher than it was before they joined a settlement program even with the late pays on there,
but we demand a withdrawal of the late pay entry as part of the negotiated settlement and get that 99% of the time.

Superior Debt Relief is the only debt settlement company that pays for three levels of credit restoration afterwards to bring the FICO up even higher.

Settlement is one of the methods used by mortgage consolidation people to get someone qualified into a home that was denied financing due to too high of a debt to income ratio.

Bound to Build Content: 5 Brilliant Can’t Miss Details Tell You How To Write an Ebook

Saturday, November 29th, 2008

Building content for an eBook is quite an experience. Any writer who has pulled information for writing one will agree, the topic often changes through the process. The title starts out as something workable “Building a Business Online” and becomes quite weird “The Attributes of Budding Gestation on the Sea of Cyber-land”, all long before it becomes a feasible heading of “Learn How to Make Money Spewing Absurdities into the World of Blog-dom”.

Blogs and websites are built on content. eBooks written for internet distribution are often based on content that can be bound together in one unitized thought, given a specific heading called a title. To be honest, nothing in the eBook is new, different, or sublimely profound; it is simply packaged for simpler digestion and projection into a reliable returns.

So, what is content?

First Brilliant Detail: Content

Gathered from the experience of a person ego-tripping on Guru Status, the content of the average eBook is simply reconfigured facts, specifically arranged for dynamic impact on the reader, with intent to humor the readers emotional response system. If the first reader reaction is tears, most Guru’s go back to the drawing board and try again. However, in all honesty, a Guru with enough clout to write an eBook most probably has enough information to keep his reader in stitches trying to keep up with the power struggle going on in his own mind, as he strives to achieve greatness himself, while emulating a total stranger.

Second Brilliant Detail: Emotion

Since content is aimed at gaining a positive emotional response from the reader, the proponent of gaining that response would be words. Any average word Guru understands the importance of using words that inflict emotion on their reader. The intent is to bring the reader a near death experience of exquisite joy, dance along the suspenseful edge of pain, or engage them in an arousing game of romantic cat and mouse. Out objective through all of this of course is to ‘get the attention of the reader’.

Third Brilliant Detail: Projection

Once all those emotions are created, we have to bring the reader to the brink of experiencing them, and we call this projection. We project the emotions we want the reader to feel into their subliminal understanding and focus their concentration on our ultimate desire. Of course, our ultimate desire is that the reader should want to purchase whatever incredible opportunity we project onto their emotional response and make us money. Their titillating response to our emotional ploy becomes a necessity, and we must acquire their focus.

Forth Brilliant Detail: Titillation

How do you titillate a prospective buyer into purchasing a product they don’t need. You convince them. They say sex sells, so sell it baby. Give the prospect what they want a titillating omnipresent experience of unbelievable joy and they will buy. Draw them in with a tantalizing title that attracts their passions and turn them on with content that evokes an essential desire.

Fifth Brilliant Detail: Desire

When you reach that plateau where their dreams are fulfilled, all their goals are going to be met, and you’ve replaced their need for oxygen with the required resource of your eBook, they can no longer function without your product and their desire is immeasurable your job is done. The book is sold, and you’ve no other reason to focus on that book, you start all over with a new project, create a need, and focus deliberately on attracting the right kind of clients who need your product more than they need air to breath.

Bound your eBook in a cover that emits emotional appeal and drives prospective clients to the brink of suspenseful desire, awaiting the arrival of this download, and you’re off. The finish line is in sight! Go for the gold.

Go for the gold – build on your resources – Market Guru Jan Verhoeff can help you. http://www.freewebs.com/ebizblitz

Tips For Raising A New Puppy

Saturday, November 29th, 2008

Josh V Writes:
I just wanted to ask you if you could give me a few pointers that I could send on to my family because we just got a 6week old Border collie today (Tuesday)
and I’m leaving for Toronto tomorrow morning. She is quite the energetic dog and it seems like my parents haven’t really looked too much into detail about
how to raise a puppy. I was just wondering if you could send a few pointers my way??

Answer:

Hey Josh. I’ve just listed random points as there are many to consider:

A. Never let the pup out of your sight. The longer the pup is doing something that you do not want him doing, the harder it will be to put a stop to the
behavior.

B. Do not swamp it with toys. If there are always toys lying around, your pup will get bored of them and start looking for something else (furniture) to
chew on.

C. You might want to think of buying a crate for the dog. (Night time, quiet time, anytime the dog is sleeping he should sleep in the crate. (After meals,
pups will usually want to sleep)

D. When I brought Luther home, something that worked great for me was keeping him on a leash for the first three months. By doing this, you constantly know
where your dog is, and you can monitor, his every move, therefore catching unwanted behavior and putting an immediate stop to it.

For house braking:

I am assuming that you have a house and will be therefore wanting to teach your dog to go to the bathroom in the yard:

Instead of plastering the floor with newspaper and rewarding the dog when he goes on the paper, just get whomever is watching him to take him outside every
30 mins. to one hour. (immediately after eating, or drinking.)
By rewarding the dog for going to the bathroom on paper, you are confusing him. You are teaching him that it is ok to go on newspaper and as well as outside.
For a dog that is a lot of info, just choose the yard method, it’ll save you time in the end.

Most important thing of all:
Do not punish your dog for something that he does not know is wrong! Bad habit to get into.
I know having a pup can be very frustrating at times, remember they do not know what is right and what is wrong, therefore just be patient and attentive.

Praise your dog when he does something worth being praised for, eg. bathroom outside, being quiet in his crate.

If you need to punish your pup one very effective way to do this is:

Place one hand over the muzzle and the other over the back of the neck. This mimics the mother grabbing the pup. Gently exert pressure while uttering “no”
in a meaningful voice.

Make sure the pup is exercised a lot! Border Collies are a very energetic dog and need to have some release or they will go crazy!
Good luck, give your parents my email, they can email me anytime.

Josh V Writes:

One more question: if she starts biting stuff like the blanket or whatever, how should we discipline her?? Thanks again.
See ya.

Answer:

One little trick that you can use is to:
scent discriminate between what she can mess with and what she cant.
To do this, just put a little dab of vanilla extract on all her toys. Over time with constant supervision, she will learn to deferintiate between what she
can mess with and what she can’t by the scent.
If she bites anything you do not want her to bite, punish her in the same way, immediately using the above method.

http://www.dogsbydunk.com is your one stop destination for premium dog food and premium dog
training.
From great products, to great resources, dogsbydunk.com is a superior unique alternative that I hope you all take full advantage of!

How Did ISL Uranium Mining Begin?

Thursday, November 27th, 2008

It’s time to rewrite the history books. In Situ Leach Mining (ISL), or Solution Mining, was not first commercially started in Bruni, Texas in 1973 by Westinghouse, a consortium of oil companies and others. The birthplace of ISL was never South Texas, as some have claimed. It was begun in Wyoming, about 16 years before an ISL operation was started in Texas. Why there has been a whitewash over the true history of ISL is not our concern. This series is an in-depth investigation into how and why ISL mining came about, how it has been tested over a period of nearly 50 years, and why this type of uranium mining will play an important role in providing U.S. utilities with the raw fuel to power nuclear reactors for the next few decades.

In this modern era of uranium mining, extremely skilled engineers, hydrologists and geologists establish ISL mining operations. Most insiders compare an ISL operation to a water treatment plant. It’s really that simple to understand. However, as with every modern industrial operation, the roots of ISL mining came about in a less genteel or sophisticated manner. In 1958, Charles Don Snow, a uranium mining and exploration geologist employed by the Utah Construction Company, was investigating a Wyoming property for possible acquisition for his company. During the course of that visit, he discovered a new method of uranium mining and helped pioneer its development into the modern form of ISL.

Since 1957, R.T. Plum, president of Uranyl Research Company, had been experimenting with a leach solution on his property at the Lucky June uranium mine. “They mixed up the sulfuric acid solution and just dumped it on the ground, and soaked it through the material and collected it in a little trench at the end,” Charles Snow told StockInterview. It wasn’t very scientific. Snow added, “They were just learning how, and I observed it and thought that the application could be made through some of the ore that we had in the Lucky Mc mine.” The company was mining uranium this way because it was below the grades miners were used to, when mining. As Snow noted, “It was not worth mining.” But it was practically at the surface. He explained what they were doing at the Lucky June, “There was an area where uranium leached out to the surface in a small area, and it had a clay under-bed. These people put solutions onto the surface, collected the solution, and ran it by resin beads to absorb the uranium.”

While they only recovered about $3600 worth of uranium, roughly 600 pounds, Snow was impressed. He later wrote an inter-office memorandum in July 1959, with the subject header: “Recovery of Uranium from Low Grade Mineralization using a leach in place process.” In his conclusion, Snow recommended, “From the preliminary information available, it appears that it will be possible to treat very low grade mineralization for recovery of uranium at a large net profit.” He explained the process to his bosses, encouraging them to consider this as an option:

“In brief, the process introduces a leach solution onto the surface of the ground and allows the solution to percolate down through the area to be leached. The solution is then recovered from wells and circulated through an ion exchange circuit with the barren solution being returned to the leach area. Recovery of the uranium is made by stripping from the ion exchange medium.”

He wanted the Utah Construction Company to try this method of mining where there was low grade mineralization. Snow succeeded in convincing his bosses. That began yet another innovation for Utah Construction Company, the same company which helped construct the Hoover Dam, decades earlier, before it got into the uranium mining business.

Utah Construction Becomes the
First Commercial ISL Miner

Newspaper reports, through the 1960s, illustrate that ISL mining was in full bloom more than a decade before anyone in Texas began a commercial ISL operation. On June 18, 1964, the Riverton Ranger newspaper reported, “The Shirley Basin mine is on a standby basis. The timbers are being maintained and the water pumped out. Total production comes from solution mining.” Between 1962 and 1969, ISL was the only method producing uranium at Utah’s Shirley Basin Wyoming. Later in that same article, under the section entitled, “Gas Hills Solution Mining,” it was reported, “The Four Corners area is ‘mined’ by solution mining techniques similar to those employed at Shirley Basin.” Credit for this new mining method is also reported in that same article, “Lucky Mc introduced the heap leach process of recovering values from low grade ores in 1960.”

Charles Snow explained how his company made the transition from underground mining to solution mining, “The underground mining at Shirley Basin was very expensive, and we were having a lot of heavy ground problems.” The sandstone aquifers containing the uranium were uncemented and brittle, supported with timbers. “In some places, it was too heavy to hold with timbers,” said Snow. “We had to use steel sets underground, and it was even mashing the steel sets. So the expenses were getting very high.”

Water was flowing into the open drifts at prodigious rates. Snow recalled, “Barney Greenly said, ‘Let’s try solution mining over here.’ They did a test, and it did operate quite well. They got some pretty good results. So the underground mine was shut down, and they went to a solution-mining program to produce the allocated pounds in the Shirley Basin area.” The procedure was tested for a few years before a full-scale commercial production began. This fulfilled 100 percent of Utah’s Shirley Basin uranium production allotment from the AEC.

There were problems at first. “We started out initially using sulfuric acid, and we had some reaction with carbonates in the formation.” Sulfuric acid plus calcium carbonate produces calcium sulfate, and this plugged up the formation. Calcium sulfate is gypsum, which was insoluble in the leach solution. “It tended to plug up the formation and reduce the transmissivity of the fluid from the input hole to the output recovery hole.”

To prevent interference with the porosity of the formation, Snow switched to nitric acid, but admitted, “We were reluctant to use nitric acid because it was much more expensive than sulfuric.” But they did, because the nitric acid solution did not form gypsum. Unlike present-day ISL methods used in Texas, Nebraska and Wyoming, Utah Construction did not use a carbonated leaching solution in their solution mining. Nitric solution was used during the 1960s and continued until the Lucky Mc switched over to open pit mining.

It all started as a heap leach experiment. “We had quite a bit of low grade in Lucky Mc,” Snow told us, “so we thought we would try a heap leach experiment.” Results were good on the test, and Utah pioneered ISL mining. Snow wrote in an August 2, 1960 memo, “The favorable results of the heap leach project and other research indicate that the process can be successfully applied in many of the low-grade areas to recover much of the mineralization.” Later in his report, Snow calculated reserves from random samples obtained from previous drilling at Lucky Mc, “The estimated reserve for the block is 147,000 tons @ 0.0361 percent U3O8, or 106,616 pounds of U3O8.” He estimated the program would cost $111,471. Using a value of $6/pound for U3O8, the anticipated returns were calculated as follows:

50 percent recovery: 53,318 pounds: $208,377
25 percent recovery: 26,654 pounds: $ 48,453

That was just the start. By the end of the decade, Shirley Basin’s solution mining operation was producing U3O8 at comparable levels to present day production at any of the major U.S. ISL facilities. In a paper presented by Ian Ritchie and John S. Anderson, entitled “Solution Mining in the Shirley Basin,” on September 11, 1967, at the American Mining Congress in Denver, Colorado, these Utah International executives explained the success of the Shirley Basin solution mining operation. In a summary explaining the company’s activities, we discovered the Shirley Basin operation not only filled the Atomic Energy Commission (AEC) allocation requirements from 1962 through 1969 but we learned of the sizeable commitments into the future Shirley Basin was to fill:

“In 1968 sales of uranium concentrate were made to purchases other than the AEC. One of the first sales was to Sacramento Municipal Utility District with a minimum of 950,000 pounds to a maximum of 1,100,000 pounds of uranium concentrate in 1971. Additional contracts were signed with General Electric Company and with Nordostschwerzerische Kraftwerke A.G. (Baden, Switzerland). The contracts called for delivery of 8,000,000 pounds of concentrate to GE between 1968 and 1975, and 500,000 pounds of concentrate to NOK commencing in July 1969.”

Conclusion

The single reason solution mining stopped, well before the first “commercial” ISL operation began in Bruni, Texas in 1973, was because of the improved market forecast for uranium in the 1970s. Utah Construction switched to open pit mining because they needed to produce a lot more uranium. The nuclear renaissance of the 1970s demanded massive quantities of uranium to fuel the rapidly growing nuclear power industry.

Don Snow’s initial field tests, begun in the late 1950s, resulted in continuous production achieved by late 1962. Subsequently, production in the underground uranium mine was shut down by May 1962. The underground mine was maintained in a standby condition until 1965, when all underground operations were written off. Millions of pounds were mined by Utah Construction through its ISL operations in Shirley Basin. It wasn’t heap leaching.

Sufficient evidence confirms that Wyoming, not Texas, first pioneered commercial ISL mining. Not only were well fields designed as early as 1960, but the entire concept of an ISL “water treatment” plant can trace its roots to Utah Construction’s pioneer work. Everything from injection wells to production wells were pioneered in the early 1960s. We challenged Charles Don Snow that some have claimed it was heap leaching, not ISL mining. Snow shot back, “No, we drilled holes in the ground and the material had never been mined. We got our ideas, certainly, from heap leaching, which came from the copper industry.” Snow explained that after the solution mining experiment was successful, “A recovery plant was designed and put into the hoist house, where they had had the underground mine. That was designed by Robert Carr Porter and Ian Ritchie.” Snow added, “In fact, Ian Ritchie and J.S. Anderson have a U.S. Patent on the well completion procedures that we used at Shirley Basin.”

Snow pondered if his friend Jack Bailey may have exported the ISL technology to Texas. “Jack Bailey was the Shirley Basin project manager for the underground mine when we switched over to solution mining,” Snow said. “He later went to work for Chevron, and Chevron had operations in Texas. I believe they even experimented with solution mining. Now, whether or not Jack was directly involved, I don’t know.” As it is with history, many of the old-timers are gone. We were told Jack Bailey had had a stroke a number of years back, and did not trace this further. There may have been others. “Some of the people from that area (Shirley Basin) had gone to Texas,” Snow recalled. “There is documentation, it was published information, and a lot of people who went to Texas, came from the Wyoming area. So, I’m sure there wasn’t a paucity of information being transferred.” Ironically, the Westinghouse-led consortium, which included U.S. Steel and Union Carbide, among others, was called Wyoming Minerals. Now we know exactly why they chose that name.

While there have been a number of ISL operations built and operated in Texas, there may be little future for uranium mining in that state, unless there are new discoveries. By a few, Texas has been inaccurately called the “home of ISL mining.” Perhaps that came about because ISL operations continued, during the uranium depression of the past two decades, with small amounts of production occurring in Texas. According to Energy Information Administration figures published in June 2004, uranium reserves in Texas stand at 23 million pounds of U3O8 based upon $50/pound uranium. By comparison, Wyoming and New Mexico reserves, using that same benchmark, reach as high as 363 million and 341 million pounds, respectively.

This may explain the rush by junior exploration companies, such as Strathmore Minerals (TSX: STM; Other OTC: STHJF), Energy Metals Corporation (TSX: EMC), UR-Energy (TSX: URE), Uranerz Energy (OTC BB: URNZ), Kilgore Minerals (TSX: KAU) and others, to Wyoming. The large quantities of pounds are in Wyoming, not Texas. It may also explain why Uranium Resources (OTC BB: URRE) has looked beyond Texas into New Mexico to develop its ISL operation, and Strathmore Minerals has quickly been advancing through its permitting stage on one of its properties in that state. It is fitting that the big past uranium producing states may again become tomorrow’s leading U.S. producers. In any event, the entire world of ISL mining owes a debt of gratitude to Charles Don Snow for his pioneering efforts in bringing a heap leach experiment into full fruition as modern-day in-situ mining.

James Finch contributes to StockInterview.com and other publications. You can email James Finch at jfinch@stockinterview.com. All of his archived articles (with photos, maps and charts) can be read at www.stockinterview.com

How to Use Annual Report

Thursday, November 27th, 2008

There are many steps in calculating the fair value of a company. However, before we even do that, it is imperative to know how a company earns its profit. Does it do that by selling to consumers? licensing its technology to other companies? or extracting natural resources from the ground?

The sensible way to do it is by reading the company’s annual report. What is an annual report? Annual report is yearly publication by public companies to better inform investor about the company’s line of business. Annual report gives investors a glance of the company’s line of business, financial health as well as management’s strategies for doing business.

Let’s look at CNET Networks Inc. The company trades in the NASDAQ market with symbol: CNET. What does CNET do? I know CNET owns cnet.com. But do you know that it also owns download.com, MP3.com, ZDnet.com and News.com ? How do I know that? Yep, you guess it. CNET’s Annual Report will gives you all that.

From CNET’s annual report, we can do a little digging for CNET’s internet traffic. As of August 27th 2005, these websites of CNET attracts 3 % of all internet traffic. Pretty impressive, considering that Google holds 23% of all internet traffic. On April 2005, Google had 78.6 million unique visitors. By comparing this metric, we might have an idea CNET’s revenue potential for the month of August. I will not go into that but this shows how useful reading CNET’s annual report is. Reading an annual report serves as the first step towards investing in a particular company.

How do we obtain annual report? There are several sources for this. First is the companies own website. You are interested in knowing more about CNET Networks? You can get the annual report by going to http://www.cnet.com and go to its shareholder relation. After several clicks, you can then download the annual report.

Or … you can go to some websites that offer complete annual report for a number of different companies in alphabetical order. Our website is one of them. Admittedly, while having hundreds of annual reports in one place is convenient, it is not as thorough as what the company’s own website has to say.

Novice Investing now lets you write articles in the field of
finance/investing. Sign up and submit your articles now at our
article submission service.

Variety In Garden Plants – How To Choose The Best Plants For Your Garden

Thursday, November 27th, 2008

Have you ever walked by someone’s front garden and thought – what were they thinking? The mixture and variety of plants seems to make no sense and are placed haphazardly all over the place. Although you most definitely need to choose a variety of plant types and colors for your own garden layout, how do you know when you’ve gone too far? How do you keep your garden design focused, yet interesting at the same time?

Create a Theme

Before you even place a plant in the ground you should decide on a theme. Take a good look at your home style and your planting terrain, while also keeping in mind the climate in your area. A tropical theme may be something you greatly desire, but if you live in a very dry, arid climate, that’s going to be a tough garden to maintain.

Choose a Color Scheme

Once you decide on a general theme for your garden, you should think about color preferences. Although there is no hard and fast rule as to mixing plant colors, you will certainly want to avoid planting anything that clashes (much like if you were decorating a room). Hot climates are suitable for bold, strong colors, whereas a cool climate will tend to lean toward more muted, serene colors. Pastel colors will bring a restful feeling to your garden.

Choose Contrasting Plants

Keep texture in mind when choosing plants. Texture provides visual interest and appeal. Look at various leaf colors, shapes and sizes. A few things to look for are plants that have soft, feathery leaves, while some are spiky. There are plants that grow small, leathery leaves while others produce large glossy leaves. And of course, there are many plants that have colored leaves – usually in the purple, deep red or yellow ranges. It’s not just the flowers that you should be focusing on, but also the texture and variety of leaves that will also add appeal to your garden.

Pick Different Plant Types

Don’t just plant flowers. While you want to maintain the overall harmony of your garden, you should still include a variety of plant types such as small trees, evergreens, shrubs, ground covers, spring bulbs, perennials and annuals – perhaps even some climbing vines. The spring bulbs will start your garden blooming early, while annuals will add color until your perennials begin to bloom.

Stick With Plants That Require The Same Maintenance and Care

Nothing can be more of a hassle than trying to grow healthy plants that have different plant care requirements within the same area. For example, don’t plant something that requires a lot of sun and water with other plants that are drought-tolerant and only need partial sun. You would be surprised at how many people do this without thinking. Then they either over-water the plants that require minimal water… or they don’t water often enough for thirsty plants. In either case, one type or the other will eventually wither and die.

Hopefully the above suggestions will help those who aren’t quite sure how to go about planning their garden area and picking out suitable plants. Be sure to read the plant care labels carefully so that you can choose plants that suit each other for easy care. Take the time to look over gardening books and websites that have pictures of gardens to get a better idea on how you can coordinate your garden so that it looks wonderful too. Happy planting!

Rose Smith operates several websites including Gardens From Japan. From tea gardens to Zen rock gardens, we have free information on a variety of Japanese garden styles, including how to plan your landscape design, suggestions on what garden plants to choose, advice on garden accessories and more. Visit us at: http://www.GardensFromJapan.com

Playing it Safe: Great Toys for Baby Gift Baskets

Thursday, November 27th, 2008

Most importantly, unless you are positive as to everything you want to buy, you will want to purchase your gift basket last. You do not want to have to choose what you will give based on the size of the basket you have already bought.

Select an assortment of the safest toys for the baby.

A few great ideas are to purchase items such as classical or other instrumental music to play in the nursery, perhaps even some sing-along music, for when the child gets a bit older and begins to imitate speech.

Another idea is to buy the baby a mobile. These items, however, are very popular for baby showers, so check with your other friends to make sure the mother is not bombarded with dozens of mobiles.

The best books for infants will be waterproof and therefore drool proof. If books are a part of the child’s life from the beginning, he or she is more likely to become a more intelligent individual. So even at the earliest stages of a baby’s life, books are important. Books with different textures, colors, and things for the child to touch like little flaps that lift to reveal something once the child is touching and investigating and not sucking on everything in sight.

Teething rings. Believe me mommy will need them. There are great teething rings available that the child can hold on his or her own and that will help soothe the pain of teething without having to use too much medicine to numb the baby’s gums.

Another great idea for toys to include in a baby gift basket is of course, things like rattles, mirrors for the crib or playpen, and maybe even a crib or playpenwhat a gift that would be! Of course, you will want to see if the expecting mother already has a crib or playpen for the baby first.

Walkers are perfect for the new baby, not only to help him or her learn how to walk, but also as another place to play if the baby gets sick being in his or her playpen or crib. There are walkers that also function for eating, bet the better ones I believe are the walkers that have toys attached to them. This way the baby will stay entertained, and you will not have to worry about picking up dropped toys.

Another great idea for gift baskets for babies is to get a bottle of bubbles. They are non-toxic, of course, but even the smallest baby will be enthralled with the bubbles floating down.

There are many kinds of baby toys out there that you could include in your baby gift basket. I hope some of these ideas can help you.

Anne Clarke writes numerous articles for websites on gardening, parenting, fashion, and home decor. Her background includes teaching, gardening, and art. For more of her articles on photography, please visit Baby Toys.

Become A Nerd Today!

Wednesday, November 26th, 2008

So you want to be a nerd.

At this point, we must add a paragraph. You see, I’m not allowed to put an active link into the first paragraph of an article. Well, that should do it!

Well, first go to: http://www.femalenerd.com/me/know-nerd.html to see if you are already a nerd.

If you pass that test then you must take one more test: My test!

Here it is:

You know π to 20 decimal places. (3.14159265358979323846)

You know the location of Mymensingh. (Pakistan)

You know that that an atomic submarine passed under the North Pole and not the South Pole. (Antarctica is a continent and a submarine would bump its nose on the continental shelf.)

You know the polar bear population at the South Pole and the Penguin population at the North Pole. (Zero)

You know who Kaiser Wilhelm II called “Grandma.” (Queen Victoria)

You know the countries that border Belarus. (Russia, Latvia, Lithuania, Ukraine, Poland)

You understand the “Uncertainty Principle.” (For a quantum particle such as an electron or photon”The more precisely the position is determined, the less precisely the momentum is known in this instant, and vice versa.”)

You know what a “magnetic domain” is. (A magnetic domain is a region in which the magnetic fields of atoms are grouped together and aligned.)

You know that anyone can find the answers to the above questions in seconds by using the Google Search Bar on your computer. (Get it at: http://toolbar.google.com/) If you add the Google Search Bar to your computer you can be as nerdy as you want!

Don’t forget the CIA “World Factbook” for country information. Go to: http://www.cia.gov/cia/publications/factbook/.

Have fun!

The End

John T Jones, Ph.D. - EzineArticles Expert Author

John T. Jones, Ph.D. (tjbooks@hotmail.com)is a retired R&D engineer and VP of a Fortune 500 company. He is author of detective & western novels, nonfiction (business, scientific, engineering), poetry, etc. Former editor of international trade magazine. Jones is Executive Representative of International Wealth Success.

More info: http://www.tjbooks.com

Business web site: http://www.bookfindhelp.com (IWS wealth-success books and kits and business newsletters / TopFlight flagpoles)