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Advice From The Experts On Debt Consolidation

Title:
Advice From The Experts On Debt Consolidation

Word Count:
541

Summary:
If you ever need the right answer to a question, you just need to ask someone who knows. Earlier this week I got some top notch advice from the experts on debt consolidation.

That advice was unexpected and came very early in the day as I got out of bed and headed for the front door to retrieve the morning mail. Along with a few obvious bills I got one of ‘those’ envelopes though the letterbox, bright yellow, red letters, you know the type, just lying on the floor waiting f…

Keywords:https://www.dekordiyon.com/

Debt Consolidation advice,Debt Consolidation, Debt Consolidation free

Article Body:
If you ever need the right answer to a question, you just need to ask someone who knows. Earlier this week I got some top notch advice from the experts on debt consolidation.

That advice was unexpected and came very early in the day as I got out of bed and headed for the front door to retrieve the morning mail. Along with a few obvious bills I got one of ‘those’ envelopes though the letterbox, bright yellow, red letters, you know the type, just lying on the floor waiting for me. On this envelope were instructions to “Open Now ”. So of course I did and you can imagine my surprise when I find it is yet another invite for me to take out a loan!

This ad writer was really going for it. In the envelope there was about half a dozen slips of paper explaining about what bonuses you could get and tempting pictures of varying piles of money. I also came across a nice “did you know” fact sheet with a few useful gems, such as the average debt in the UK is around £8,577 and that almost half of the UK adult population are affected my money worries. You just cannot argue with that. It is all good factual stuff, aimed at you and designed to empathies with your own personal situation.

Turning my attention to the main body of a very long sales letter it then asked you to “imagine waking up knowing your finances are sorted once and for all”.

I doubt there is any deliberate intend to mislead the reader with this statement but within it lays the problem with debt consolidation loans, your problems are not sorted once and for all, they are just extended over a longer period of time. They will get even worse if you take on the loan with the lower monthly payments but continue to spend what you have left.

Something I will always find disturbing is to discover at the bottom of that well written sales page what looks like a cheque with instructions to fill it out with the amount you want to borrow, tear it off along the dotted line and then pop it in the free post. If you are struggling with debt, this is like giving someone who is trying to quit smoking a packet of cigarettes, the match to light it and telling them to have as many as they like!

If you have debt problems you certainly do not need an imaginary cheque being waved under your nose.

However the best advice about borrowing to get out of debt is made very clear by the loan company themselves. Right at the very bottom of the letter is another factual note…“If you are thinking of consolidating existing borrowing you will be extending the terms of the debt and increasing the total amount you repay”. To the credit of the firm that sent this material they have made that part very clear and correct.

If the firm that is going to lend you all this money tells you it is not really such a good idea. Then that is top notch advice from an expert on debt consolidation-The Lender, someone who really knows!

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Tips to Avoid These Common Courier Errors

Courier companies nowadays are better equipped to adapt to the changing times – some have completely automated their services to cater to the highly digital world we are living in and some have innovative customer services that are truly dedicated to maximizing client experience. Courier companies like these are clearly at the top of their game when it comes to giving their customers the highest quality service possible. The good news is that many companies that offer courier service in Sydney have caught on to the trend of excellence and innovation like Couriers by Demand Express.

However, no matter how innovative a courier company might be, there are still some unforeseen circumstances that are simply out of the customer and the courier company’s control. These are things like bad weather conditions, heavy traffic, and others. These inevitable situations can lead to delivery mishaps like late deliveries and damaged goods.

There are times when mishaps happen due to some degree of negligence on the courier company’s part. As a customer, we understand how alarming and discouraging this can be. By following the right countermeasures, however, you can avoid these common courier errors and spare yourself from the inconvenience that they bring. This article lists 5 helpful tips on how to avoid the most common courier errors that still happen today. Read on to learn more about these precautionary measures:

Delayed Parcel Deliveries

A delayed delivery is a nightmare to both the receiver and the sender. The parcel might be an important item that both the receiver and sender value and not receiving it on time might harm their convenience. This is especially true when your business involves delivering products to customers. The customers who are expecting to receive your parcel on a certain time and date might be deterred to order again if the delivery is late or worse, if it never came to their doorstep.

The last thing you want is to be on both ends of a delayed parcel delivery. To avoid this, here is what you can do:

The Solution:

If the problem arose due to legitimately inevitable circumstances like weather or traffic, the best you can hope for is that your parcel gets delivered as soon as those hurdles are over. Most courier companies are bound to notify their customers once delivery delays become apparent.

On the other hand, you can also avoid experiencing this by doing a thorough research into the courier’s history. Read reviews online, ask friends about their experiences, and check out their relationship with customers before jumping into the decision to work with them. It is best to find a courier with consistent positive reviews from clients regarding their timeliness to guarantee that your delivery arrives on time.

Receiving Goods in Poor Condition

Another common courier error is delivering goods in poor condition. We have all felt the sinking feeling when all that pent up excitement upon receiving your parcel boil down to nothing as we discover that the goods are damaged, and worse, no longer usable. If you are the sender, this situation can be just as disappointing.

Running a business that relies on the safe delivery of products and goods should not feel like a risk. Having to send a replacement stock can affect your sales, so make sure that you do whatever you can to avoid finding yourself in this situation.

The Solution:

Work with a reputable company. Working with a reputable company might mean you have to shell out a little more than the average cost but it also guarantees that you would not lose a lot on replacing damaged goods. You are paying for the guarantee that your parcel gets to its destination safe and intact after all. The investment is worth it.

So, find the most reputable courier service Sydney has to offer. Ask around, read blogs, and scour the internet. Whatever you do, remember to do your own research.

Overpriced vs Bargain Prices

Courier companies that offer services that are too good to be true probably are, while companies that charge too much for subpar services are also the other side of the spectrum that you have to look out for. Services that are too cheap might give you poor services, but expensive ones are just not worth it as well. How can you strike a balance?

The Solution:

Find courier that offers personalized solutions. This means that they don’t charge for services that you don’t even need in the first place. Companies like Couriers by Demand Express design services based on a client’s specific requirements. This option allows you to tweak the service to your needs so you avoid wasting money and increase your efficiency in one go.

Questionable Customer Service

An excellent customer service is one of the factors that make or break the relationships of businesses and their client base. Rude, unhelpful, and unapproachable customer service staff are some of the traits that deter clients from continuing to build a relationship with a business. It is not surprising to hear stories about customers switching to a different company despite having adequate services purely because of poor customer service.

In the case of courier services, you need people who are level-headed and can maintain a level of composure in heated situations. A delivery service who handles their customers poorly can be disastrous to your business.

The Solution:

Be vigilant. During your initial contact with a courier, you can already gauge if they have good customer service or not. Do they use respectful language? Do they accommodate your requests and enquiries? Are they helpful and willing to assist? If you cannot find a review that says otherwise, the next best option is to experience it for yourself through a call or face-to-face interaction.

Inconvenient Service Issues

Inaccurate quotations, delivery being sent out to the wrong address, untimely pickup – these are just some of the things that can happen when a courier service company pays little attention to detail. If this happens frequently, this can disrupt your operations and may even hurt your reputation.

The Solution:

Find companies with courier service in Sydney that keep up with the latest technology in the industry. These include systems like intelligent route planning and drivers who have adequate training to smartly navigate through those routes.

Choose the Best Courier Service Has to Offer!

 

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About Dormant Bank Accounts

Title:
About Dormant Bank Accounts

Word Count:
477

Summary:
It’s estimated that up to £5bn may be sitting unclaimed in UK dormant bank accounts. Could you be entitled to a share?
https://www.pgslotthai.net/

Keywords:
dormant bank accounts,banking,unclaimed money

Article Body:
Banking experts estimate that up to £5bn may be sitting unclaimed in UK bank accounts that have gone ‘dormant’. What does this mean, and could you be entitled to a share in this huge amount of idle money?

A bank account goes dormant when, in the words of the British Bankers’ Association, a bank and a customer ‘lose touch with each other’. What this usually means in practice is that a customer has either passed away or moved house, and the bank haven’t been told and are unable to locate the account holder some time later.

If there are no transactions on an account over a period of around 12 months, the bank will write to the account holder at the last known address to ask them if they wish to keep the account open. If no reply is received, then the bank will change the status of the account to ‘dormant’. This means that from now on, no statements, chequebooks or other correspondance will be sent out to the customer.

The money in the account will still earn interest at whatever the normal rate of that account is, and the bank will still keep track of the account balance and keep a record of the last known address of the holder.

There are two main reasons for an account being made dormant. The first and most obvious one is to save the banks the administration costs of sending out statements and the like when there is no activity on the account from month to month (other than that initiated by the bank itself, such as interest payments).

The more important reason however is to guard against identity fraud. If a bank continues to send statements to an address when the account holder is no longer there to receive them, it is all too easy for these documents to end up in the hands of fraudsters, who could use the sensitive information they contain to begin a campaign of ID theft.

Most dormant accounts will have very small balances, but some will inevitably contain a substantial sum, often those belonging to someone who has passed away. If you think you may be entitled to money held in a dormant account, you can make a claim by filling in a form available from the bank in question.

You will need to give your reasons for making a claim, such as that the account belonged to a close relative whose estate was passed to you. You will also need to prove your own identity, and your connection to the original account holder if applicable.

If the bank don’t agree that you’re entitled to take over the account, you have the right to pursue an appeal, where your claim is re-examined. If the appeal fails, you can take your claim to the Financial Ombudsman Service, whose decision is final and binding.

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アンチエイジングスキンケア製品に実際に何が入っているのか知りたいですか?

アンチエイジングスキンケア製品…賢く選ぶ よく聞かれる大きな質問は、「実際に最高のアンチエイジングスキンケア製品は何ですか?」です。 一般的な問題がないのと同じように「一般的な解決策」がないため、これに答えるのは簡単ではありません。私たち一人一人は、乾燥肌や脂性肌、吹き出物、しわ、しみ、傷など、自分の状況に対処する必要があります。ですから、私たち全員に当てはまるので、私たちの肌を保護し美化することが非常に大きな関心事であることは不思議ではありません。 私たち全員が共有する状況の1つは、好むと好まざるとにかかわらず、私たち全員が毎日年をとっているということです。それは、私たちの肌が老化していることに気づいているかどうか、そしてそれに伴う問題が現れ始めているか、順調に進んでいるかどうかを意味します。アンチエイジングのアプローチは、見た目が良くなるだけでなく、見た目も良くなるので、化粧品のカバーアップよりも理にかなっています。 アンチエイジングスキンケアは大きな関心事であり、特にアンチエイジングスキンケア製品は大きな需要があります。アメリカだけでも数十億ドル規模の産業です。 スキンケアの解決策に取り組むときは、当面の懸念だけでなく、問題の再発を実際に防ぐために何ができるかを検討することをお勧めします。アンチエイジングスキンケアはそれにアプローチするインテリジェントな方法です。 もちろん、しわや傷などの特定の懸念に対する迅速な解決策を探して、それを偽装することもできます。しかし、明らかに、実際に問題を完全に取り除くことができれば、より良く、それほど心配する必要はありません。肌のタイプ、年齢、性別、懸念事項(透明な肌、目に見える毛穴、しわ、水分補給など)に関係なく、アンチエイジングアプローチを見つけてアンチエイジングスキンケア製品を選択するようです。信頼できるのは取るべきアプローチです…そして挑戦です。 スキンケア製品は一般に、クリーム(水よりも油分が多い)、ローション(逆、油よりも水が多い)、ジェル(通常は快適さのために多い)、および血清(通常はより濃縮されたクリームまたは内容物を含むローション)の形で入手できます。特定の問題に直接対処するように設計されています。 どちらのアンチエイジングスキンケア製品を選択する場合でも、それらの成分を認識し、気にする必要があります。これらは主要なもののいくつかです: 脂質は水に溶けない脂肪です。これらは、バクテリアや化学物質などの有害な要素から皮膚を保護し、絶縁するのに役立ちます。化粧品製剤に一般的に見られる脂質には、セラミドとリポソームがあります。 保湿剤は肌に潤いを与え、しわを防ぐのに役立ちます。スキンケア製品に見られる例は、グリセリン、パンテノール、ヒアルロン酸です。 ペプチドは、皮膚の再生を刺激し、しわを減らすのに役立ちます。化粧品配合物に最も一般的に見られるものは、銅ペプチド、ヘキサペプチド-3およびペンタペプチドである。 一般的にAHAとして知られているアルファヒドロキシ酸は、肌を剥離して若返らせ、肌のきめを改善します。化粧品に含まれるアルファヒドロキシ酸には、乳酸、酒石酸、グリコール酸、リンゴ酸、クエン酸が含まれます。 レチノイドはビタミンAの誘導体であり、老化した肌の治療に役立ちます。アンチエイジングスキンケア製品で最も一般的に使用されているレチノイドの1つは、老化した肌の状態を改善することが示されているトレチノインです。ただし、レチノイドは副作用を引き起こす可能性があるため、最初にレチノイドをチェックして、自分に適しているかどうかを確認してください。 最近、アンチエイジングスキンケアの科学的発展により、まったく新しいアプローチが生まれました。人体のゲノム(遺伝子構造)の研究は、多くの新しい発見の中で、私たちの皮膚の老化の原因となる遺伝子のクラスターを明らかにしました。私たちが若いとき、これらのクラスターは私たちの肌をしっとりとしなやかに保ち、コラーゲンとエラスチンが豊富で、しわの発生を防ぎます。 私たちが年をとるにつれて、これらの遺伝子はオフになり始め、これらの重要な要素の生成もオフになります。 2つの異なる方法で皮膚に直接適用でき、それらの特別な遺伝子クラスターに到達してそれらをオンに戻し(「遺伝子発現」と呼ばれる)、25歳の皮膚を再び生成する物質が開発されました。あなたが50歳の場合、25に見えることはありませんが、非常に良く見えるので、それは確かに注目に値する発展です。この革新的な治療法は、最新の遺伝子研究の結果として開発され、実際に私たちの皮膚細胞の成長と発達の方法を変えるように働きます。 アンチエイジングスキンケアとその製品は、主要な教育機関やアンチエイジングスキンケア機関によって行われている科学的研究の最前線にあります。新しくエキサイティングな開発が発見され、利用可能になり始めたばかりです。特に最近お話したのは、実は画期的なことであり、これからの自分の美しさや健康への取り組み方を一変させることでしょう。
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お肌を改善するためのシンプルなフェイシャルスキンケアのヒント

スキンケアでは顔が最も重要です。顔のスキンケアには、一般的な顔の皮膚(頬と額)のケア、目の領域のケア(腫れぼったい目)、唇のケア(唇は特に敏感な皮膚があるため)などのいくつかの側面が含まれます。顔の皮膚は一般的に皮膚科医によって2つの広い領域に分けられます。最初の領域またはT領域には、額、鼻梁、唇、および唇の下のあごが含まれます。頬と目の下の領域は、顔の皮膚の他の主要な領域を構成します。 顔のスキンケア領域におけるそのような分化の重要性は、組み合わせた皮膚タイプを有するもので最も明白である。コンビネーション肌タイプは、顔の肌タイプの5つの分類の1つです。他の4つのタイプは、普通肌、乾燥肌、脂性肌、敏感肌です。コンビネーションスキンタイプでは、一般的にT領域は油性で、他の領域はより乾燥していて油性が少ないです。フェイシャルケアの予備的な側面を以下に概説します。 *クレンジング:顔の皮膚はきれいでなければなりません。顔は最も天候にさらされるので、クレンジングは顔のスキンケアスケジュールの非常に必要な部分です。フェイスクレンジングは通常、フェイスパックとクレンジングミルクで行われます。フェイスパックとフェイシャルケアのクレンジングミルクは、化粧品とオーガニックの両方の起源のものである可能性があります。肌は非常に敏感なキャンバスなので、実際にはどのタイプのフェイスパックが肌に最適かを決めるのは人次第です。ミルクは、充実したフェイシャルケアクレンジング成分の理想的な例です。ただし、クレンジング中は、肌を過度にクレンジングしないことが重要です。これは、過剰なクレンジングが、肌に自然に潤いを与えるのに役立つ天然の油分泌物をきれいにすることさえできるからです。 *角質除去とスクラブ:顔の皮膚は常に一定量の死んだ細胞を生成しているので、角質除去とスクラブは皮膚が死んだ細胞が引き起こす可能性のある荒れから解放されることを保証します。小さな粒のフェイススクラブは、顔の自然な粒に似ているため、より効果的です。より大きな粒子のフェイススクラブは、死んだ細胞の最上層だけでなく、それ以上のものをこすり落とすことができます。小さじ半分の細粒砂糖や小麦粉のスラッシュなどのオーガニックオプションも優れたスクラバーとして機能し、フェイシャルスキンケアで非常に重要です。 *保湿と日焼け止め:肌の保湿は、通常の肌、脂性肌、乾燥肌、コンビネーション肌、敏感肌のいずれの場合でも、フェイシャルスキンケアで重要です。水は肌に柔らかさを与える基本的な成分であり、保湿剤(化粧品とハーブ)はこの水分を顔に保持するのに役立ちます。特に汚染や汚れにさらされた後、皮膚に繰り返し水をはねかけることで、これらの有害な要素が顔の皮膚に落ち着く時間をとらないようにします。日焼け止めは、フェイシャルケアにおいても同様に重要な側面です。日焼け止めは、直射日光の有害なUVAおよびUVB光線を遮断するのに役立ちます。 Xtend-Lifeは、男性用スキンケアと女性用スキンケアの両方のカテゴリーでさまざまなフェイシャルスキンケア製品を提供しています。すべてのxtend-life製品に使用されている特別な成分CynergyTKは、すべての肌タイプに適した製品であり、特に顔のしわと戦うのに適しています。 Cynergy TKは、強力なナノ抗酸化物質Nanobelle Q 10などの他のアクティブなスキンケア成分と同期して機能し、肌を若くて新鮮に感じさせます。 また、Xtend-Lifeのしわ防止製品には、特定の日本の海昆布の抽出物であるフィテセンスワカメと呼ばれる別の特別な有機成分が含まれています。この成分は、有害な酵素であるヒアルリニダーゼを阻害し、皮膚でのヒアルロン酸の生成を適切な限界まで高めます。これは、肌をより若くするのに役立ちます。 女性用のフェイシャルスキンケア製品は、エイジディフェンスアクティブデイクリーム、ホワイトニングデイクリーム、修復ナイトクリーム、アイコンターセラム、2種類のクレンジングマスクと保湿マスクです。ディープアクティブハイドレイティングマスクとディープアクティブクレンジングマスクは、メンズカテゴリーでもご利用いただけます。男性用の他の2つのアクティブスキンケア製品は、エイジディフェンスアクティブフェイシャルフルイドとアイコンターセラムです。 肌の老化に悩まされる必要はありません。シワ、小じわ、シミ、アイバッグに効果的な天然成分ソリューションがあります。

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United States Online Poker – Play Online in the USAc

Many poker players in the United States were devastated to hear that their favorite online poker room would be closing to the United States. Once online players heard that the UIEGA (Unlawful Internet Gaming Enforcement Act) was passed they just figured that they were not allowed to play poker in the USA anymore. Quite the contrary is true, with new poker rooms popping up on a monthly basis and new methods for eager  product-evaluation  poker players to fund there bankrolls.

The UIEGA put restrictions on financial institutions that were processing poker transactions related to online poker in the United States. Although congress was successful in putting a squeeze on the online poker community there are still many poker rooms that are accepting US players. In fact, all the UIEGA really did was clear out a lot of the lower quality poker rooms from operating in the United States paving the way for the larger poker rooms to make the necessary changes in order to operate in the United States. Many United States online poker rooms allow players to purchase chips using credit cards or third party merchant accounts such as epassporte.

Nothing has changed with the passage of the UIEGA besides the fact that poker rooms are battling to get players, and as a result offering huge incentives for players to join. If you live in the United States and want to play online poker, fear not, there are many rooms that will allow you to deposit instantly and get in the action today!

Find all of the best Unites States Online Poker Rooms with generous deposit bonuses at http://www.united-states-online-poker.com

100% plus deposit bonuses to online poker rooms exclusively for USA players.

The United States of America has proven that capitalism creates higher levels of productivity than any other form of government and today the United States gross national product is 10 times that of any other nation and it is twice the other top-five countries directly below us combined.

This should tell us the United States of America is the greatest single nation ever created in the history of mankind. And certainly we know that is true from following the 10,000 years of recorded written history available. Do you believe the school systems in the United States and the no Child left behind act are a good idea?

Many people have asked this question and it is a question that we must ask. If we are teaching kids to hit certain check-points at every grade level to ensure they can read and write by the time they finished high school then we are doing a disservice to those kids who have rapid growths in intelligence phases. If we are always teaching to the middle and no child is allowed to be left behind, then in fact we are not allowing children to advance.

Well we know the issues with education in the United States of America but what is going on in China? What sort of structure and standards does China have in their schools? We know there are more kids in the classrooms in China than in the United States per teacher and yet we know the kids behave a lot better as there is much better discipline both in the culture and in the schools. If the schools in the United States of America have turned into a babysitting facility then how can they teach?

Worse off how will we be able to determine who the geniuses are in those classrooms? In China it would be readily apparent and easy to find out who the geniuses were in each classroom right away because the kids are better mannered. Finding kids early who excel in school is important, as it is easier to allow them to advance quicker. We need to consider this when comparing education in China and the United States and determining who will have the future scientific advantage in innovation and discovery.

We know that if the schools are better in China and there is a greater population base with more people to draw from and we also know that if China leans more towards a capitalistic and free society that they will have all the advantages over the United States, which we currently enjoy. I want to think about this in the implications it means for the future.

 

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Tamil language 2021

Tamil  About this sound pronunciation (help·info)) is a Dravidian language locally spoken by the Tamil individuals of South Asia. Tamil is the authority language of the Indian province of Tamil Nadu, and an authority language of the two sovereign countries, Singapore and Sri Lanka.[8][9] In India, it is likewise the authority language of the Union Territory of Puducherry. Tamil is spoken by critical minorities in the four other South Indian provinces of Kerala, Karnataka, Andhra Pradesh and Telangana and the Union Territory of the Andaman and Nicobar Islands. It is additionally spoken by the Tamil diaspora found in numerous nations, including Malaysia, South Africa, United Kingdom, United States, Canada, Australia and Mauritius. Tamil is additionally locally spoken by Sri Lankan Moors.  tamilnewslive

One of 22 planned dialects in the Constitution of India, Tamil was quick to be delegated an old style language of India and is one of the longest-enduring traditional dialects in the world.[10][11][12] A. K. Ramanujan portrayed it as “the lone language of contemporary India which is conspicuously constant with an old style past.”[13] The assortment and nature of old style Tamil writing has prompted it being depicted as “one of the extraordinary old style customs and written works of the world”.[14]

A recorded Tamil writing has been reported for more than 2000 years.[15] The soonest time of Tamil writing, Sangam writing, is dated from ca. 300 BC – AD 300.[16][17] It has the most seasoned surviving writing among Dravidian languages.[11] The soonest epigraphic records found on rock decrees and ‘legend stones’ date from around the third century BC.[18][19] More than 55% of the epigraphical engravings (around 55,000) found by the Archeological Survey of India are in the Tamil language.[20] Tamil language engravings written in Brahmi script have been found in Sri Lanka and on exchange merchandise Thailand and Egypt.[21][22] The two soonest original copies from India,[23][24] recognized and enrolled by the UNESCO Memory of the World register in 1997 and 2005, were written in Tamil.[25]

In 1578, Portuguese Christian evangelists distributed a Tamil supplication book in old Tamil content named Thambiran Vanakkam, along these lines making Tamil the primary Indian language to be printed and published.[26] The Tamil Lexicon, distributed by the University of Madras, was probably the soonest word reference distributed in the Indian languages.[27] According to a 2001 review, there were 1,863 papers distributed in Tamil, of which 353 were dailies.

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Career Planning After 50 – A Proper Foundation Is The Key!

A proper foundation is the key to both career and financial success.

Career planning after 50 is one of the key activities you can engage in to set the foundation for your future success. A well planned foundation that will build future success; growing your career, changing careers or just finding that second job after retirement is an important component to your overall plan.

Wishing to qualify for that second job after retirement, for example, may require years of planning, preparation and skill building, getting to know and help the right people and a full measure of financial planning.

Planning for a career after 50 is not a one time event. As your interests and obligations chance the process also changes and will mean you will be redefining your overall career objectives, updating your financial plans and exploring new directions.

Regardless of where your are, and whatever your age, the building of a robust career and life plan follows a linear path from selecting a career, finding the right job in the career and then developing your ability to find satisfaction in your selection and growing and progressing in the job.

After age 50 career planning can present you with special problems. It’s not like you were starting out with a clean slate. You have learned there are certain circumstances in the work place that you are uncomfortable with and want to avoid. You have developed interests both on the job and outside of work that will help you develop you career plan foundation.

Just like building a house, get the career planning after 50 foundation right and it will dictate the size and scope of the structure.

The basis for your career foundation is research. You’ve been working for-awhile what careers peak you interest? Why? Which careers would you not want to work in? Again why? Talk to others working in the desired career. Find their names by using LinkedIn, friends or a related local or national career association.

Make use of the internet, search for information on the desired career. Who employs people working in the career? Find out all you can about the possible employers. What are the salary ranges? What is the overall career path?

Now how do your qualifications and experience match up with the desired career? Do you need additional training? What is the fastest and cheapest way to get qualified?

You have transferable skills from you present career to your new job. What are they and how would you showcase these skills to qualify for the new career.

After examining your transferable skills what specific experience do you seem to be lacking to qualify for the new position? What is the best and quickest way to qualify? Part-time work, temp assignments, working after hours for a non-profit or career related association; are all methods to get the desired experience.

Even if you are happy with your current position, it’s a good exercise to go through this process at least annually. It will help keep you grounded and alert for possible opportunities. Moreover, career planning is just not exploring career possibilities or career changes but building on your current strengths and skills to make you more valuable to yourself and your current employer.

If you discover in building your career foundation that a career change is warranted, take a deep breath, and carefully plan your job hunt. You have some learning to do, research to complete before you can mount a well planned job hunting effort.

In any job hunt what may look simple becomes difficult, what should be done in days takes weeks, people don’t call you back, you get rejected in a job that you are completely qualified for, people make promises and routinely break them, and so it goes. Although a job hunt takes time, you have the advantage of a well planned effort, a realistic level of patience and the knowledge that a daily focused effort will produce desired results.

Stick to your career plan. Keep up the training and learning. Work your network, help others. Fine tune your financial planning. Reduce your debts. All are designed to keep you on track to build the proper positive attitude and guide you to your career objective.


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A Nuclear Power Plant May Be Next for New Mexico

Title:
A Nuclear Power Plant May Be Next for New Mexico

Word Count:
1917

Summary:
We continue the series entitled, “New Mexico Joins the Nuclear Renaissance,” and discover New Mexican lawmakers want a nuclear reactor in their state. How popular is this idea?

Keywords:https://www.stemcellconf.org

Energy, nuclear, nuclear reactor, nuclear power plant, New Mexico

Article Body:
Federal lawmakers patted themselves on the back, last Friday, in a joint bi-partisan news release issued by three New Mexico politicians: U.S. Senators Pete Domenici and Jeff Bingaman, and U.S. Congressman Steve Pearce. Their celebratory remarks were meant to remind voters why the politicians were in Washington – to bring their state new jobs for at least some of New Mexico’s voters. While the chorus of praise revolved around creating new jobs and bringing millions of dollars into the state’s economy, is there more behind this story, which has not yet been told?

For Senator Domenici, this was another major victory as the longest serving U.S. Senator in New Mexico’s history. The Republican Senator heads the Senate Energy and Natural Resources Committee. Domenici made his views on nuclear energy quite clear in his book “A Brighter Tomorrow: Fulfilling the Promise of Nuclear Energy” (Rowman & Littlefield, 2004). He began pursuing Louisiana Energy Services to move to New Mexico in February 2003, after it became apparent Hartsville, Tennessee didn’t want uranium being enriched in their backyard.

And again, it was Domenici, whose last minute negotiations with Energy Secretary Samuel Bodman, led to the adoption of the Part 810 Waiver. The waiver allowed Louisiana Energy Services (LES) to contact foreign-owned Urenco Ltd about transferring high technology data (the gas centrifuge technology) to LES so the uranium enrichment technology could be utilized at the new facility. U.S. laws ordinarily prohibit such nuclear technology transfers, but Domenici’s intervention brought the project to the NRC approval stage. LES had been on the drawing boards since 1989, having derived its name from the state of Louisiana. The LES partnership was initially formed with the intent of building its centrifuge enrichment plant in Homer, Louisiana.

Senator Domenici’s impact upon the nuclear resurgence in the United States is evident to the entire industry and most politicians. He announced last year, “In 1997, I predicted the resurgence of nuclear energy in the United States. For the last eight years, I have worked to help make that renaissance a reality.” Is there, perhaps, one more achievement Senator Domenici would like to add on behalf of the nuclear industry, before giving up his Senate seat? In his book, “A Brighter Tomorrow,” Domenici bemoans and condemns nuclear fuel reprocessing. With the advent of the Global Nuclear Energy Partnership (GNEP), Domenici may bring a nuclear power plant to New Mexico before he retires.

Domenici’s Democratic counterpart, Senator Jeff Bingaman, is the ranking Democrat on the Senate Energy and Natural Resource Committee. We suspect Bingaman may play an integral role in helping Senator Domenici fulfill that dream. Ironically, Senator Bingaman, who last November was invited to a Santa Fe anti-nuclear environmentalist fundraiser, and which highlighted television mogul Ted Turner, was effusive in saying about the LES enrichment facility, “This will be one of the largest construction projects our state has ever seen. And the economic impact in southeastern New Mexico will be tremendous.” Does Bingaman appear to be playing both sides of the nuclear chessboard?

No, the former attorney, who reportedly once provided legal advice to uranium mining powerhouse, Kerr McGee, is deftly maneuvering between being a good Democrat and providing what he may honestly believe is best for his state. While Bingaman has curried favor among the environmentalists, in May of this year, he accepted, along with Domenici and others, the William S. Lee Award for Leadership at the Nuclear Energy Institute’s (NEI) annual conference, saying, “I share a belief that nuclear power can make a meaningful contribution to controlling the growth of greenhouse gases, while still allowing our economy to expand.” It was his subsequent remark directed at the NEI, which leads us to believe he may be among the first to support additional nuclear growth in New Mexico. He told the NEI, “I am hoping that you will do your part to use those tools that Congress has put in place to ensure that nuclear power achieves its potential as part of our future energy mix.”

The Global Nuclear Energy Partnership

In March 2006, Senator Domenici pledged his support to President Bush’s Global Nuclear Energy Partnership (GNEP),

“With GNEP, we begin to close the cycle on nuclear waste in ways that prevent proliferation and reduce both the volume and toxicity of waste. By recycling spent nuclear fuel, we can reuse the uranium, which is 96 percent of spent fuel, and separate the most toxic radioactive material to be burned in an advanced burner reactor. By reusing uranium fuel and burning the transuranic material in a new generation of modern reactors, we can reduce the amount of waste placed in Yucca Mountain by a factor of 100.”

One of the key technologies in the GNEP program in is the Advanced Burner Reactor (ABR). Deriving its technology from fast reactors, which were used to make nuclear weapons, the concept of the ABR is to minimize the amount of nuclear waste, produced by the nuclear industry’s power plants, to a tiny fraction of content. The concept behind the ABR is to “burn” the transuranic elements, such as plutonium and other long-living radioactive material. In this case, burning the radioactive waste is translated as: destroying the transuranics, by converting them into shorter-lived isotopes. When the transuranic elements are consumed by the ABR, a large amount of energy is released and then converted into electricity.

Instead of burying several football fields of nuclear waste in Yucca Mountain (or elsewhere) for one million years, the toxic waste would be recycled as energy to be immediately used to power homes and industry. Part of the GNEP plan is to combine the current, or advanced, light water reactors with the ABR. As the light water nuclear reactors produce transuranics, the ABRs consume those highly radioactive elements. This leaves less nuclear waste for future disposal, and immediately provides energy.

The major issue in the western United States, about nuclear waste, is “please don’t put it in our backyard.” Several western states have been approached, and even the Carlsbad area was once discussed. Through the ABR technology, it may be possible to minimize the amount of this waste to make it a less undesirable disposal problem. A look at local New Mexico politics may provide an insight as to where the two U.S. senators may be heading with regards to a nuclear power plant for New Mexico.

New Mexico’s Enrichment Facility:
Prelude to a Nuclear Power Plant?

If Federal lawmakers are happy about the proposed uranium enrichment facility, some of New Mexico’s state politicians were still floating on clouds when we talked to them yesterday. New Mexico legislator John A. Heaton, the Democratic representative serving Carlsbad, waxed enthusiastic about the enrichment facility, “It’s the first step in converting this country to nuclear energy.”

Mainly the four state senators and representatives, whom we interviewed, echoed each other’s praise about Urenco’s proposed enrichment facility. “I could not be more pleased,” Senator Carroll H. Leavell told us. “It will have a major, very positive impact on the economy.” At the peak of construction, as many as 1200 workers may be employed. Later, when the facility is operational, about 300 workers will remain. All four were pleasantly surprised that town hall hearings for the proposed facility were overwhelmingly positive, and the local citizens would be delighted to have this facility in built in southeastern New Mexico. Senator Leavell said with disgust, “Most of the (anti-nuclear) protests have come from outside our area, places like San Francisco, DC and Santa Fe.”

Senators Leavell and Gay G. Kernan, the state senator from Hobbs, were invited by Urenco Ltd. to tour an enrichment technology plant in Almelo, Netherlands and left impressed with the company, its honesty and especially the management’s attitude of looking at both sides of the issues. Both state senators also observed the surrounding community failed to be negatively impacted by the enrichment facility.

Looking for deeper insights into what the future might hold, we asked all four about the possibility of a nuclear power plant in New Mexico. All four agreed it would be desirable. Additional comments by the four state politicians led us to believe there might be a second step, following Heaton’s remark about the enrichment facility being the first step.

Donald L. Whitaker, the Democratic legislator from Eunice, the closest town to the proposed enrichment facility, told us, “I would like to see a nuclear reactor in New Mexico.” Whitaker has toured a nuclear facility, and believes one would be great for the state’s economy. “They employ about one thousand and bring high-paying jobs,” he said. Representative Whitaker was not the lone voice among his fellow eastern New Mexican legislators.

“Yes, we want a nuclear reactor in New Mexico,” Representative Heaton said. Heaton is the legislature’s Vice Chairman of the Radioactive and Hazardous Materials committee and a member of the Energy & Natural Resources Committee. He discussed the ABR technology and GNEP, explaining how this would solve the waste disposal problem of nuclear reactors and sway public opinion on nuclear energy.

Senator Leavell took a more cautious approach, explaining how nuclear reactors need tremendous amounts of water. “I don’t think New Mexico could have a nuclear reactor, not with the current technology.” But, he still agreed it would be a good idea if new technologies were developed, which used less water.

Senator Gay Kernan told us, “I don’t know if I should be talking about this, but we are one of the candidates for the GNEP program.” Having heard a rumor that General Atomics may propose building a nuclear power plant in eastern New Mexico, Senator Kernan confirmed such a plant may be on the drawing boards, and telling us West Texas is likely to be developed as an “alternative energy corridor.” She told us, “It would stretch from Carlsbad, New Mexico to the Odessa-Midland, Texas area.” Senator Kernan would also like New Mexico to have a nuclear plant, “I don’t have a problem with that.”

The third politician, joining Senators Domenici and Bingaman, in praising the NRC approval of a draft license for LES and Urenco Ltd, was U.S. Congressman Steve Pearce. Comments, issued by his press secretary on Friday and praising the LES announcement, may foreshadow New Mexico’s next step, “Today’s announcement marks a major milestone in our efforts to cement our state’s leadership role in the development of alternative energy.” What greater leadership by a state than in introducing the new GNEP ABR technology in New Mexico? After all, the state of New Mexico remains the founding home to nuclear technology, where the world’s first atomic technology was designed at Los Alamos.

In a related development, David Watts, President of the University of Texas of the Permian Basin, recently met with Congressman Pearce about developing a helium-cooled nuclear reactor facility, which would be built underground in either Lea County, New Mexico or Andrews County, Texas. General Atomics of San Diego has funded the pre-conceptual design, which is underway and scheduled for completion in August. Waste Control Specialists has a low-level radioactive waste storage site in Andrews County. Realistically, a nuclear reactor in New Mexico is not out of the question. The legislators may get what they want. We believe Senator Domenici will ultimately set into motion the plans to bring New Mexico its first nuclear power plant. It would become his crowning achievement in helping the nuclear renaissance blossom in this country and in his state.

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A Home Equity Line Of Credit May Be Just What You Need

Title:
A Home Equity Line Of Credit May Be Just What You Need

Word Count:
480

Summary:
When you are looking for the cash you need to fix up your home, a home equity line of credit (HELOC) may be just the thing for you. This would be especially true if you have a project in mind but are not sure what it may cost. A HELOC could be just the solution you are looking for – because it offers you cash with different options than a traditional mortgage. Here are some of the benefits.
https://www.servbetter.com

A home equity line of credit is to be considered as a second mortgage. After you fi…

Keywords:
loans, home, equity, heloc, secured, refinance, money, apply, interest, house, owner, value

Article Body:
When you are looking for the cash you need to fix up your home, a home equity line of credit (HELOC) may be just the thing for you. This would be especially true if you have a project in mind but are not sure what it may cost. A HELOC could be just the solution you are looking for – because it offers you cash with different options than a traditional mortgage. Here are some of the benefits.

A home equity line of credit is to be considered as a second mortgage. After you fill out the paperwork, and the lender looks over your credit report and your ability to repay the loan, you will be given a credit limit. This means that an account is set up for you, and you will be given access to it either with a credit card or with checks. This way, you can draw out the money as you need it, and only as much as you need.

A home equity line of credit is usually based on a 25 or 30-year time frame. There is a draw period and a payment period. The draw period could be up to 11 years, and the rest of the time period is used for repayment.

You only pay interest on the amount that you draw out. This is an excellent way to save some money, because you still have access to more if you do need it. During the draw period, you will be paying interest – adjustable rate, on the amount of money you have taken out. The interest rate does not amortize the loan in any way – since you are only paying interest.

At the end of the draw period, however, the amortization period starts. Your payments will be calculated on how much you have withdrawn and your payments will be determined at that time. These payments will fully amortize the loan within the time remaining – most of the time. Some lenders do not calculate the payments to fully amortize the loan. Obviously, you will need to watch for this before you sign the agreement.

Home equity lines of credit can come with a number of repayment options. These range from balloon payments at the end of the draw period, to simply monthly payments for the rest of the term. Other options that may be included is the possibility of renewability. Some lenders give this option for those who want an ongoing line of credit.

Before you sign up for a home equity line of credit, though, be sure to compare a number of quotes first. A home equity line of credit may have monthly fees, annual fees, and more, so be sure you know about them all first. By comparing several plans, you can find the one that will be the least expensive, have the lowest rate of interest, and will be the best for you.