Thursday, January 17, 2013

Is Your Jewelry Made Just for You?

It is very easy today to follow fashion trends and just pick up a necklace or two from a store to wear with our hand picked outfits.

We put so much effort into finding the right dress, the right top, but we let ourselves down with our personal adornments.

We very rarely think about how the right piece of jewelry can be just the item to make heads turn and people compliment us.

However, throughout history, it has been the creation of the adornment that has been at the forefront of fashion.

When one looks at photos of Catherine the Great, we tend not to notice her clothes, but are drawn to her elaborate jewelry. The pieces were largely designed with her input, and made to fit and compliment her own figure.

She made sure every piece had her own particular style, and fit her shape perfectly.

She was a glamorous woman, ahead of her time, and was famous for her beauty and sensuality.

It is still important today to make sure, particularly when it comes to necklaces, that you make the most of the assests you have, and dont draw attention to the ones you dont.

Jewelry is no different from clothing when it comes to how it "fits" each woman. Ladies with long necks look stunning with chokers, or necklaces that sit high around the neck, but if your neck is shorter, you need to draw attention to your decolletage or collarbone area. All women no matter their shape or size, have beautiful collarbones.

Jewelry that is designed exactly to you shape can make an enmormous difference to the look of your jewelry. Being just half an inch out can make or break your look. Ensure when you are buying jewelry, that the designer takes measurements. This is absolutely vital. This is also the beauty of buying made to order pieces.

In the time of Catherine the Great, this was the only way to make jewelry.

Remember, jewelry is the talking point of most outfits, live with the spirit of Catherine the great and always be Admired and Noticed

Min Adam Head Designer [http://www.d-lovely.com] Classic, Chic,Elegant Adornments Designed to be Admired and Noticed

Use Public Domain Information to Start a Clippings Agency

Clippings can be modern or old but bear in mind modern types are quite easy for people wanting information to locate for themselves. It's far harder for anyone to locate really old information about their favourite subjects. This is where the public domain comes to the rescue. And because this information is out of copyright and in the public domain you don't need to have a reproduction license or any other permission to copy information to distribute.

It's a good idea to create information packs about specific subjects and events and ask a standard price across the board. My daughter does this on eBay, selling what she calls 'Doggy Bags' which include pictures, articles, newspaper cutting, puzzles, and lots of other printed bits and pieces about individual dog breeds. She only needs one copy of a particular item, in the public domain, which she can then copy to add to hundreds of doggy bags she might sell on eBay each year.

Here are more markets for you to consider for your standard content clippings bundles:

# Target private individuals and families requiring information relating to family members in years gone by. This is usually for genealogical purposes but you'll also find people specialising in creating clippings packages for First Name or Second Name research.

# Target business owners and industrial research companies needing historical information and specific businesses or about commerce or industry in general. This information is often required to create mementos for visitors or as historical memoirs to celebrate some major business milestone.

# Target writers of articles and novels, and other genre, all of whom need research material, some more than others, and not all have time, inclination or facilities to do research themselves, etc.

# Other potential clients include: scientists, genealogists, teachers, antique specialists, hobbyists, etc., etc., etc.

# You might specialise in certain subjects like: genealogical matters, astrology, fishing, gardening, recipes and cooking, and so on. Your service will probably be marketed through magazines targeted at your specific audience.

# Write compilations which almost all magazines and newspapers require, sometimes in profusion. For example, '100 things you didn't know about X (a specific location)' can be compiled from clippings and rewritten in minutes and targeted at publishers in the appropriate area. The same exercise can be carried out for countless locations all over the world. It can also be created from information about millions of different subjects. Although you can use modern publications, you could be asked to pay a license by individual editors and publishers to copy and distribute their information. So focus on public domain items instead and you can copy as much as you like and charge whatever you like.

# As touched upon earlier you could target people sharing a common surname and compile as many cutting and clippings as you can find on each marketable surname. People are interested in others bearing the same name as themselves, even where there is no actual blood relationship. Name research is a highly profitable venture, especially in the United States. The business takes several forms, including analysing the origins of names and highlighting stories about others, preferably famous individuals, bearing the same name.

Starting with fairly common names like Wright, Brown, Smith and Jones, keep everything you find relating to these surnames, and file them in large envelopes with the name marked on the outside. When you have enough - at least 20 different cuttings - compile them into some appropriate format: book, scroll, picture book, postcard or greetings card. Now have a direct mailshot produced telling prospects exactly what you have and how much it costs. Send the letter to everyone with that name in the local telephone directory. Later, branch out into non-local directories, and later on consider marketing the venture overseas. This is the kind of thing you could franchise to other areas. As soon as you've finished work on one name, send out everything franchisees need to market the product to people in their area, while you move on to creating products for another common surname.

# You could start a 'People Like You' series of books including living and dead, famous and infamous, real and imaginary people all sharing a common surname. Taking Wright, as an example, your book could be filled with pictures, stories and anecdotes about people like Orville and Wilbur Wright, the American aviators, and Frank Lloyd Wright the architect who built the Imperial Hotel in Tokyo and the Gugenheim Museum in New York. For titles, use something like 'Wright Through the Years' or 'The Good, The Bad and The Ugly' as a generic title for all books in the series.

# Copy and package advertisements by subject or profession. For example, we found dozens of advertisements from butchers, dressmakers, soap manufacturers, and more, in a pile of old 'Illustrated London News' publications from the early 1900s. The entire bundle of twenty plus magazines cost £3 and included ten or more full-page prints and posters per issue almost all of which sold at between £5 and £30. The more successful items we listed in categories described as 'Hot' in eBay's regular Hot Items report. Those categories included specific condiments, such as Mustard; soap and perfumery advertisements went like a bomb under 'Advertising:Chemists', and a huge number of sporting prints, mainly horse-racing went like hot cakes under Collectibles:Horse Racing. That's better than lumping them together under Antiques:Prints.

# Here's another great idea for out of copyright advertisements, especially smaller classified ads. We made our very own book, a best selling marketing book both on and off eBay, which we called 'HEADLINES THAT NEVER DIE', which was simply a collection of headlines we had taken from out-of-copyright sources. We simply typed them into a Microsoft 'Word 'document under categories, such as Travel, Children, Soaps, and so on. We also scanned some of the best advertisements into the 'Word' document to make the book visually appealing.

# Look for information printed long ago about firms still in existence which can be used in that firm's advertising literature. Testimonials, for example, and favourable comments and recommendations about a business or its product are highly effective advertising tools. Almost all direct marketing firms include quotes in their advertising literature. Take a look at the next mailshot you receive. Then keep an eye open for useful material to cut and offer to clients.

Christian Financial Counseling Programs

Debt and financial problems don't discriminate; there are people of all walks of life and colors that are experiencing hardships. There is currently over $800 million in credit card debt, the average household is carrying around a burden of $14k in credit card debt, and those that are in real trouble have 2 xs to 5x that much, and are looking for help.

People gravitate towards other people of similar interests, and it's no secret that most consumers do business with people that we know and trust, so it's no surprise that Christians turn to Christians for personal and financial advice or guidance. As of late there has been a growing number of non-profit (and a spattering of for-profit) organizations that offer Bible based financial guidance that have popped within the past decade, and for some Christians that is exactly what they are looking for. When it comes to getting help with your finances one might feel uncomfortable sharing their personal financial information with somebody, but if that somebody is somebody with a similar background-or religious preference-as you it might feel less intrusive.

Fortunately, for Christians, that find themselves in financial problems, the Bible is an excellent resource on money matters. In fact the Bible has over 250 verses giving advice in regards to personal finance and money, with the book of Proverbs providing a good chunk of that financial wisdom. That may seem ironic to some who thought that the Bible said that money was the root of all evil, but in fact the bible says that, "the love of money is the root of all evil."

Christians fall victim to the perils of financial turmoil, as do non-Christians, and like stated earlier financial problems happen to all people indiscriminately. Things like credit card debt can happen to anybody regardless of their faith, but luckily for Christians, there are Christian credit counseling organizations that can help believers get out of debt or prepare themselves to avoid debt problems in the future.

There are many types of Christian financial counseling but the most popular form of financial counseling is debt related counseling. With the growing number of people getting in credit card debt, it's no surprise that credit counseling is growing in popularity and for those of us that would feel more comfortable with receiving credit counseling from a Christian organization there is a good amount of credit counseling organizations that offer credit counseling.

Here are some of the more popular Christian credit counselors out there:

1. CCC (Christian Credit Counselors Inc.,)

2. Crown Financial

3. Family Life Credit Services

4. Dave Ramsey

A good start is checking out the internet and conducting a few internet searches to find a credit counselor, most of these credit counseling organizations will conduct a free debt analysis to get you started in the right direction, so that's something you might want to check out if you find yourself in debt deep water.

How to Identify and Locate a Cyber Bully With a Reverse Email Search

Are you the target of a Cyber Bully? A recent survey conducted by Edith Cowan University reveals that up to 10 per cent of children say they have been subjected to cyber-bullying over the Internet or on mobile phones.

In the US, 50 per cent of young people were being cyber-bullied and about 30 per cent reported they cyber-bullied others.

In the United Kingdom and Canada, the statistics were 25 per cent.

One reason why there is such a startling rise in this phenomena is that most people still think they are anonymous and untraceable on the Internet. The same study indicates that the Cyber-bullying was often anonymous, with 50 per cent of victims not knowing who was bullying them.

The cyber stalkers think they are untouchable and most of their victims also mistakenly believe it's impossible to locate and identify the person hiding behind an anonymous email account or Myspace page. But it's not. Not anymore.

Today there are private investigators that specialize in Internet email tracing and cyber bullying identifications. These investigators can track down , locate and identify the cyber bully. Then by documenting their investigation and their results they can create a report that can be used in court to prosecute the cyber bully that has crossed over the legal lines.

You can find an investigator to help you unmask your cyber bully by Googling "reverse email trace". Be sure the investigator you choose is considered an expert in the science.

In any case you do not need to fear a cyber bully. Not when there are professionals ready to help you.

How to Use Laterite As a Substrate For a Planted Freshwater Aquarium

Setting up a planted tank is one of the most beautiful and rewarding experiences in freshwater fish keeping. Not only will your aquarium look natural and provide cover for your fish (which keeps them happy), the plants will help keep the water free from nitrates and other toxic biological compounds. Most of my tanks are at least semi-planted and I almost never have "random fish deaths" in those tanks. Plants in my opinion can act as a buffer to keep the water more stable for your fish.

When you set up a planted tank there are many things to consider, such as which plants to pick, which lights and how much, and of course the substrate. For today lets focus on the substrate since it's the foundation of your tank. If you are like most people, you go to the pet store and buy their overpriced bags of colored gravel. You end with an empty wallet and up wondering why your plants won't grow properly.

The only thing from the typical pet store you are going to need for this is box of laterite. Laterite is a clay like substance that contains iron, which plant roots need to grow properly. A typical box for a 40+ gallon aquarium will probably run you about twenty dollars. Next go to a hardware store like Orchard Supply or Home Depot and take a look at their sands and gravels. Typically you can find a 50lb bag for around five dollars. Personally I prefer to have a nice texture to my gravel so it looks natural. I usually buy a second bag of a larger size that I will mix in.

Make sure to completely rinse the laterite and other substrates in buckets before putting them into the tank. The laterite is tough to get clean so do the best you can. When you are ready, lay the laterite down first evenly or more concentrated where you think you might have more plants. Next, if you chose 2 or more other components, mix them together until you create a texture that looks good to you. Place the mixed substrate over the laterite, completely covering it.

For most tanks, I'd say 2-3 inches is fine for substrate depth. When filling the tank with water, pour slowly and carefully or you will stir up dust and powder from the laterite. Also be careful if you only used sand with your laterite. Sand is fine but sometimes it (and this is rare) can compact and create toxic bubbles of bacteria. When it's mixed with something else it's more unlikely this is going to happen. A good burrowing fish can also prevent this too, much like earthworms churn soil. Your gravel should have a nice rich, natural look and be ready for plants....good luck.

Thieves Are Outsmarting Savvy Consumers with New Scams Guaranteed to Fool You!

Like most things in life, the element of credit scams has evolved into a higher form. Those who are intent on stealing your identity and profiting from your good credit are taking the high-tech or the extremely convincing route to take advantage of you.

No longer do thieve just walk up and pick your pocket for a credit card - or blatantly send you an email trying to get you to divulge your personal financial information. Now, they're farming for information from consumers who are very protective of their identity - and they're getting them to hand it over!

It's a new scam - and judging from the alarming number of cases, it could happen to you tomorrow. Thieves have discovered a way to brand themselves as legitimate so that you never think twice about telling them your account information and passwords.

As you probably know, identity theft is a growing problem. In fact, experts have declared it an epidemic. If you haven't checked your credit report lately to see if someone has been using credit in your name, then you might be at risk and not even know it.

It takes a lot of time and hassle to clear up identity theft cases, so you want to prevent yourself from becoming a victim before it happens. See if this sounds familiar to you - and if it does, order your credit report today and cross your fingers that you haven't been duped!

It starts off with a seemingly innocent phone call or email. You have a credit card or bank account in, let's say, XYZ Company's name. A representative supposedly from the company calls (or emails you) to tell you that a charge of $1,500 is being processed and that they just wanted to be sure, since it was such a large purchase, that your identity wasn't being used improperly.

Well, of course, since you didn't make the phony charge, you instantly panic and start pleading with the representative not to allow the charge to go through. They've got you by an emotional hook.

Your concentration is on the panic of an unauthorized charge. The person calling is just making a friendly call to alert you - they're on your side - you think. So the bells and sirens don't go off in your head.

The caller knows your name, address, phone number, and account number. It all seems legitimate. You don't even flinch when they ask to confirm some information with you while they reject the charge because you're so relieved that the representative is willing to fix this problem for you and "protect" you.

You rattle off your PIN (personal identification number), the security digits on the back of the credit card, and any other information they need to handle the investigation. If you've ordered anything online or via phone lately, then you know everyone now requires the three to seven digit code on the back - something most thieves don't already have.

As you thank the representative repeatedly and hang up from the call, the person on the other end is either already charging up on your card or they've moved on to harvest this information from another unsuspecting consumer.

The call is so convincing because these people identify themselves with authority. They say they're from the investigation division of XYZ Credit Card Company. They know your contact information and account number.

They may even give you their direct phone line and extension - which are just made up numbers because by the time they hang up with you, you won't be able to call them back. Some have even stated a "badge identification number."

Sometimes, they'll even throw in a few specific details about the crime. They may tell you that a white man, aged 25-30 with brown hair and a beard was seen on security cameras using your credit card number to buy a 52" Plasma screen TV set at ABC Store in Dallas, Texas.

Your mind is spinning. You never realize you're putting your credit at risk if you answer this person's questions. They tell you that they're going to open a fraud investigation on this individual - and in order to activate the investigation, they just need you to confirm some information.

Some of it truly will be confirmation. They'll repeat your name and address - and maybe even your account number. But they'll also need YOU to confirm some information - details they don't have - like your PIN or your security code.

They'll appease your suspicions by telling you to just call the toll-free number on the back of your card if you want an update on the case, and then they'll tell you what your case number is.

The way they ask for your security code is by saying they need to "verify" that you're in possession of the card at this time. You verify it by handing your info over to a thief! You think it's to make sure your card hasn't been lost or stolen, but at that exact moment, it has been!

So how do you react if this happens to you? First, never give out any information. Instead, call the credit card company directly and ask to speak to their fraud division. Call the number on the back of the card - not any number the caller gives you.

If you give out the information and plan on verifying the next day, it may be too late. As many people mired in trying to get identity theft charges off of their credit report will tell you, don't hesitate to report your suspicions.


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