Bow Wow (born Shad Gregory Moss on March 9, 1987 in Reynoldsburg, Ohio), is an African-American rapper. He released his first album, Beware of Dog, under the alias Lil Bow Wow at the age of thirteen and became a successful recording artist, under the mentorship of record producer Jermaine Dupri. He eventually broke out on his own in 2003 with the album Unleashed, which was his first without Dupri's mentorship.
Biography
Moss was raised, along with his stepsister Erica, by his mother and her husband. When Moss was five, he started his career in rap using the moniker Kid Gangsta. One year later, he took front stage during the Chronic tour and impressed rapper Snoop Dogg who would later give Moss his first professional alias, "Lil' Bow Wow". Snoop later hired him as an opening act, officially gaining him a spot on the Death Row Records roster, and introduced him to Jermaine Dupri, a producer who helped shape Moss' career.
After the success of his 2000 debut album, Beware of Dog, He released 2001's Doggy Bag, which contained songs such as "Thank You" and "Take You Home".
In addition to his own albums, Bow Wow has contributed to Will Smith's album, Wild Wild West, which was named after the movie which also stars Smith, and had a guest appearance on Brandy's TV sitcom, Moesha. He made his acting debut in Like Mike, where he acted as a young orphan who gets a shot at the NBA. He is also a good friend of basketball star Allen Iverson. Another good friend of his is singer Omarion.
He is currently in a feud with Lil' Romeo. Bow Wow supposedly insulted Romeo in his song "Fresh Azimiz", and Romeo reacted to the song ("U Can't Shine Like Me").
Bow is in the studio working on his fifth studio album with Jermaine Dupri right now and expects the project to be out in early October. Bow Wow's manager said the album will be even more mature than his last album. The first single is due out mid-summer and is to feature Chris Brown.
Punk'd
Bow Wow became the 2nd victim and the 1st star ever to appear on Punk'd more than twice. First appearance was when he was tricked by Ashton Kutcher for losing some borrowed jewelry. His second is when Bow Wow invited his friend Omarion to the party where Omarion is falsely believed that he was having sex with a girl.
Trivia
Has dated R&B singer Ciara until early 2006.
He was on various commercials such as Twix, Campbells, and Verbs.
He has participated in every Scream Tour except for I, he was the opening act.
While recording his first album, Bow Wow was once banned from the studio by Jermaine Dupri for misbehaving.
He has starred in 3 movies and stars in The Fast and the Furious: Tokyo Drift, which is to debut June 16, 2006.
At the beginning of his career, by way of Snoop Dogg, Lil' Bow Wow was first apart of the Death Row Records artist roster , with his name appearing in various magazine and poster advertisements for the label.
Bow Wow performed live with Chris Brown at the 2006 Kids' Choice Awards on Nickelodeon.
Appears on up and coming rapper Miss Nana's album I Got The Hood, Volume 1 as a host.
2008年1月1日星期二
2007年12月29日星期六
How to make an eye-popping Resource Box for your Articles
Simple steps how to make an eye-popping Resource Box for your Articles
The internet is the information highway, this phrase has been used so may time it should be nominated for the Internet Cliché Award. People that go to the internet are subdivided into groups, but generally, they are out to search information. Whether for gaming, business, fun or anything else the internet has provided us with information that has proved to be very beneficial.
Through the recent years many people have learned the secrets of Search Engine Optimization. More and more sites have seen the effects articles have done for the traffic of their sites. Some have even created sites devoted entirely to providing articles that could be read by their website visitors and have links that could lead to many sites that are related to the topics and subjects of the articles.
For example, the sites may feature many articles about a whole lot of topics. As a website visitor reads the articles they have searched for, they can find at the end of the article a resource box that can be clicked on to link them to the site that has submitted the article. Of course the article would be in relation to the site. Lets say if the article is about rotating the tires, the resource box may lead to a link to a site that sells tires or car parts.
A resource box is what you usually find at the end of an article. They will contain the name of the author, a brief description of the author, a brief description of the sponsoring site and a link. If a reader likes what they read, they would have the tendency to find out where the article came from to read more. The resource bow will be their link to the source of the article and this will entice them to go to the site and do some more reading or research for the subject or topic they are interested in.
But like the article itself, the resource box must also be eye-catching to demand the attention and interest of the reader. While the resource bow encompasses only a small space, providing the right keywords and content for your resource box will provide more prodding for the reader to go to your site.
Now we know what resource boxes are, what are the benefits of having a good resource box? Mainly its driving traffic to your site. Many sites would allow articles to be placed in their sites because they can make use of the articles to fill their pages. They also get affiliation with other sites that can be beneficial for them as well. For the sponsoring site, when you get people to click on your resource box, you generate traffic that can be counted upon as potential customers.
So what would be a good content for your resource box? Basically it is keywords, learning about the proper keywords that people are mainly searching for. There are many tools you can find in the internet that can help you in determining what keywords to use.
Resource boxes can also make use of all the creativity it can get. You only get a small space for your resource box so you better make the most of it. Try to catch the attention of your reader with resource box content that can make them give a second look. Unlike TV ads, you don’t have visual aids to drive your point in. But you do have the power of imagination of a reader. With the right content, you can make them think and intrigued.
Another tip is to use keywords that should be related to your site. Do not mislead your potential website visitors. Build your credibility so that more people would get enticed to visit your site and browse what you have to offer. Make the people click your resource box by providing resource box content that makes a lasting impression. You only get one chance to wow them and hundreds of chances to repulse them.
Never underestimate the power of the resource box. It may be small in size but they will provide a significant aid in driving traffic to your site. A boring resource box will never get a job done. Be fun and creative but at the same time show that you have a great deal to offer, too much to ask for something that couldn’t fit a paragraph? Yes and no, there are many tips and guides that can help you in doing this, the first step is realizing how important a resource box could be in making people click your link and be directed to your site.
The internet is the information highway, this phrase has been used so may time it should be nominated for the Internet Cliché Award. People that go to the internet are subdivided into groups, but generally, they are out to search information. Whether for gaming, business, fun or anything else the internet has provided us with information that has proved to be very beneficial.
Through the recent years many people have learned the secrets of Search Engine Optimization. More and more sites have seen the effects articles have done for the traffic of their sites. Some have even created sites devoted entirely to providing articles that could be read by their website visitors and have links that could lead to many sites that are related to the topics and subjects of the articles.
For example, the sites may feature many articles about a whole lot of topics. As a website visitor reads the articles they have searched for, they can find at the end of the article a resource box that can be clicked on to link them to the site that has submitted the article. Of course the article would be in relation to the site. Lets say if the article is about rotating the tires, the resource box may lead to a link to a site that sells tires or car parts.
A resource box is what you usually find at the end of an article. They will contain the name of the author, a brief description of the author, a brief description of the sponsoring site and a link. If a reader likes what they read, they would have the tendency to find out where the article came from to read more. The resource bow will be their link to the source of the article and this will entice them to go to the site and do some more reading or research for the subject or topic they are interested in.
But like the article itself, the resource box must also be eye-catching to demand the attention and interest of the reader. While the resource bow encompasses only a small space, providing the right keywords and content for your resource box will provide more prodding for the reader to go to your site.
Now we know what resource boxes are, what are the benefits of having a good resource box? Mainly its driving traffic to your site. Many sites would allow articles to be placed in their sites because they can make use of the articles to fill their pages. They also get affiliation with other sites that can be beneficial for them as well. For the sponsoring site, when you get people to click on your resource box, you generate traffic that can be counted upon as potential customers.
So what would be a good content for your resource box? Basically it is keywords, learning about the proper keywords that people are mainly searching for. There are many tools you can find in the internet that can help you in determining what keywords to use.
Resource boxes can also make use of all the creativity it can get. You only get a small space for your resource box so you better make the most of it. Try to catch the attention of your reader with resource box content that can make them give a second look. Unlike TV ads, you don’t have visual aids to drive your point in. But you do have the power of imagination of a reader. With the right content, you can make them think and intrigued.
Another tip is to use keywords that should be related to your site. Do not mislead your potential website visitors. Build your credibility so that more people would get enticed to visit your site and browse what you have to offer. Make the people click your resource box by providing resource box content that makes a lasting impression. You only get one chance to wow them and hundreds of chances to repulse them.
Never underestimate the power of the resource box. It may be small in size but they will provide a significant aid in driving traffic to your site. A boring resource box will never get a job done. Be fun and creative but at the same time show that you have a great deal to offer, too much to ask for something that couldn’t fit a paragraph? Yes and no, there are many tips and guides that can help you in doing this, the first step is realizing how important a resource box could be in making people click your link and be directed to your site.
2007年12月28日星期五
Weight Loss And The Proper Nutrition.
Approaching the matter of nutrition and weight loss, we have to emphasize the two basic issues that nutrition itself is a culture of eating proper food in a proper manner. Lets start with the first, proper food.
All cells and tissues in our body are formed by the food we eat. And also food is the energy source for our body functions. So, this can explain why proper food is so important.
Food is one of our strongest motivators. And unfortunately, most of us consider food to be a source of pleasure only!
Our bodies are not fixed statues they are always in process, which we call metabolism.
Perception, memory and all the intricate complexities of bodily functions are possible because of having or producing enzymes, hormones and a thousand other wonders that are produced in the body from what we eat.
As a source of energy our body uses carbohydrates (sweets), fat and protein. To be more specific, carbohydrates are the source of immediate energy, proteins are the body building blocks, and fats are the high-energy storage. But these roles sometimes overlap.
And faulty nutrition is the usual cause of illness!
At the same time, with correct choices we can prevent many food-related diseases such as heart attack (!), stroke, essential hypertension, diabetes and even cancer!
More than a century ago, Ellen G. White, in "Counsels on Diet and Foods", shared her observation: "At mealtime cast off care and anxious thought. Do not feel hurried, but eat slowly and with cheerfulness, with your heart filled with gratitude to God for all His blessings". Isnt it wonderful?
Just let me share with you part of our experience with nutrition and weight loss. If you haven't had any previous experience of following the simple principles I suggested when discussing how to reduce the amount of daily food, you might find them difficult to follow, but this is just on the face of it.
In reality it is much easier than it seems! And I promise, Ill teach you how to master it. Because this issue of how to practice eating habits is essentially an important one!
The same food or eating process itself can bring you joy and fullness of life, or, on the other hand, if taken wrongly, can cause considerable damage to your health and even shorten your life!
How does overeating or eating the wrong food cause harm? The answer is: whatever food that our organism is not able to digest normally, becomes poisonous to us. Thus any poison will shorten our life!
This is the reason, why I suggest that my clients practice this: before starting to eat, gently close your eyes for a few moments, forget all your problems for a while and give yourself a smile! And then you can start eating.
Another recommendation is this: when eating, try to keep your eyes gently closed (or just turn your eyes away from the served food), while slowly chewing a small portion of food in your mouth.
Believe me, this process will bring you much more flavor, and benefits at the same time. Because just by doing this small thing you will lessen the portion of consumed meal by three to five times!!! (As I have already mentioned)
I would emphasize the importance of taking time to eat. When eating, if possible, make it a social occasion to communicate with your family or with your friends. But! (Always, there are some "buts"). If you decide to improve your eating habits, see if the company would be appropriate at this time, especially at the beginning. For this reason, it is better at first to have all the changes stabilized, so that you can resist any temptations...
But even when in difficult situations, we should never compromise basic principles of good nutrition. Always watch what you eat or drink!!! A well mannered person will know how to do this without compromising friendly relationships.
As we do this, we will have the added benefits of alertness, clear thinking, and a perception that is fully aware of lifes joyful events. But real joy comes from facing reality and patiently dealing with whatever life has to offer. If we take time to learn what is good for us and make a serious effort to put it into practice, we can expect to be rewarded with extra energy and a longer and happier life!
Lets take a look at sweets. Which are conglomerates of simple sugars, most important of which is glucose. This simple sugar is the supplier of the most bodily energy. Penetrating into the blood stream it meets the constant need of all the cells. Due to insulin, glucose is able to pass through the cell membrane and become available for use.
At the same time, our bodies are capable of properly handling only a limited amount of simple sugars in a given period of time. When exceeded (if we eat too many sweets), the pancreas is forced to work overtime producing insulin for converting excess sugar into fat.
Small amounts of sugar will not do this, but we must remember that there is hidden sugar in most processed food and drinks. And this is the problem we usually eat far more sweets than our pancreas can cope with!
Lets see how we can avoid this problem. When we plan our diet we should give preference to the natural source of sweets, like fruits, then wheat, rice, potatoes, beans, and other starch-containing foods. Because these vegetable foods require quite a long period of time for to be digested, and simple sugar is released gradually. This allows our body to process this energy in an orderly fashion.
Latest scientific researches have revealed that: consuming excessive sugar (too many sweets) can lead to such problems as:
* Constipation.
* Causing dental caries by providing an ideal culture medium in the mouth, and by slowing down the internal fluid circulation in the teeth.
* Depression of the immune system, by interfering with the germ-killing capacity of white blood cells.
* Promotion of adult-onset diabetes.
Now we come to the practical application of the above for the weight loss. With the exception of some fruits the ideal diet will include only a minimal amount of sugar, and provide an abundance of complex carbohydrates such as those found in vegetables and whole-grain pasta.
All cells and tissues in our body are formed by the food we eat. And also food is the energy source for our body functions. So, this can explain why proper food is so important.
Food is one of our strongest motivators. And unfortunately, most of us consider food to be a source of pleasure only!
Our bodies are not fixed statues they are always in process, which we call metabolism.
Perception, memory and all the intricate complexities of bodily functions are possible because of having or producing enzymes, hormones and a thousand other wonders that are produced in the body from what we eat.
As a source of energy our body uses carbohydrates (sweets), fat and protein. To be more specific, carbohydrates are the source of immediate energy, proteins are the body building blocks, and fats are the high-energy storage. But these roles sometimes overlap.
And faulty nutrition is the usual cause of illness!
At the same time, with correct choices we can prevent many food-related diseases such as heart attack (!), stroke, essential hypertension, diabetes and even cancer!
More than a century ago, Ellen G. White, in "Counsels on Diet and Foods", shared her observation: "At mealtime cast off care and anxious thought. Do not feel hurried, but eat slowly and with cheerfulness, with your heart filled with gratitude to God for all His blessings". Isnt it wonderful?
Just let me share with you part of our experience with nutrition and weight loss. If you haven't had any previous experience of following the simple principles I suggested when discussing how to reduce the amount of daily food, you might find them difficult to follow, but this is just on the face of it.
In reality it is much easier than it seems! And I promise, Ill teach you how to master it. Because this issue of how to practice eating habits is essentially an important one!
The same food or eating process itself can bring you joy and fullness of life, or, on the other hand, if taken wrongly, can cause considerable damage to your health and even shorten your life!
How does overeating or eating the wrong food cause harm? The answer is: whatever food that our organism is not able to digest normally, becomes poisonous to us. Thus any poison will shorten our life!
This is the reason, why I suggest that my clients practice this: before starting to eat, gently close your eyes for a few moments, forget all your problems for a while and give yourself a smile! And then you can start eating.
Another recommendation is this: when eating, try to keep your eyes gently closed (or just turn your eyes away from the served food), while slowly chewing a small portion of food in your mouth.
Believe me, this process will bring you much more flavor, and benefits at the same time. Because just by doing this small thing you will lessen the portion of consumed meal by three to five times!!! (As I have already mentioned)
I would emphasize the importance of taking time to eat. When eating, if possible, make it a social occasion to communicate with your family or with your friends. But! (Always, there are some "buts"). If you decide to improve your eating habits, see if the company would be appropriate at this time, especially at the beginning. For this reason, it is better at first to have all the changes stabilized, so that you can resist any temptations...
But even when in difficult situations, we should never compromise basic principles of good nutrition. Always watch what you eat or drink!!! A well mannered person will know how to do this without compromising friendly relationships.
As we do this, we will have the added benefits of alertness, clear thinking, and a perception that is fully aware of lifes joyful events. But real joy comes from facing reality and patiently dealing with whatever life has to offer. If we take time to learn what is good for us and make a serious effort to put it into practice, we can expect to be rewarded with extra energy and a longer and happier life!
Lets take a look at sweets. Which are conglomerates of simple sugars, most important of which is glucose. This simple sugar is the supplier of the most bodily energy. Penetrating into the blood stream it meets the constant need of all the cells. Due to insulin, glucose is able to pass through the cell membrane and become available for use.
At the same time, our bodies are capable of properly handling only a limited amount of simple sugars in a given period of time. When exceeded (if we eat too many sweets), the pancreas is forced to work overtime producing insulin for converting excess sugar into fat.
Small amounts of sugar will not do this, but we must remember that there is hidden sugar in most processed food and drinks. And this is the problem we usually eat far more sweets than our pancreas can cope with!
Lets see how we can avoid this problem. When we plan our diet we should give preference to the natural source of sweets, like fruits, then wheat, rice, potatoes, beans, and other starch-containing foods. Because these vegetable foods require quite a long period of time for to be digested, and simple sugar is released gradually. This allows our body to process this energy in an orderly fashion.
Latest scientific researches have revealed that: consuming excessive sugar (too many sweets) can lead to such problems as:
* Constipation.
* Causing dental caries by providing an ideal culture medium in the mouth, and by slowing down the internal fluid circulation in the teeth.
* Depression of the immune system, by interfering with the germ-killing capacity of white blood cells.
* Promotion of adult-onset diabetes.
Now we come to the practical application of the above for the weight loss. With the exception of some fruits the ideal diet will include only a minimal amount of sugar, and provide an abundance of complex carbohydrates such as those found in vegetables and whole-grain pasta.
2007年12月27日星期四
When a Game Becomes a Job - World of Warcraft Raiding Guilds
"Why did you decide to apply for an open position here? Do you have any references? What time commitment can we expected from you? What might sound like a job interview to most, is indeed a typical application procedure - for top raiding guilds in World of Warcraft. They pride themselves in being the most skilled players and they are just as picky if it comes to select new members. Is this just tough corporate guy acting, or have player-made organizations evolved into something much more complex than ever anticipated?
For most of the six million World of Warcraft players, slaying the biggest dragons on the servers, getting the mightiest swords or becoming one of the most powerful mages is their biggest dream inside the game. There is just one little drawback: You don't get there alone. This is one of the reasons why players band together in guilds - groups of players with a common interest. For the really big goals, you need lots of friends. 40 is the maximum and often required number of players it takes to kill the mightiest dragons in ""WoW"" - the affectionate abbreviation World of Warcraft players use for their game. Guilds that specialize on those big hits, are being referred to as raiding guilds.
It's a little bit as if the table has been turned around on Super Mario. Instead of one hero fighting never ending waves of foes, it's groups and armys of players now fighting one big evil monster. These epic battles in the virtual realm require strategy, coordination and practice. Players discuss possible strategies in chats and forums, play together every evening to make their teamwork perfect, use headsets and Voice-over-IP (VoIP) software to coordinate their efforts vocally, watch videos on YouTube of other groups fighting them and read up on strategy guides how to beat the next big dragon in their path. They are full-time players, members of raid guilds.
Members of raiding guilds often recount their ""raiding schedules"" - sometimes with pride, sometimes with a tired sigh. Weekly attendance requirements usually have them play 5 hours on 4 evenings a week. And those time frames are meant only for actual raid encounters and do not include preparations inside and outside of the game. This of course leaves little free time for other activities, though most of them seem content with that. They work together to achieve a common goal and upon success, they see their long preparations and teamwork rewarded, while looking forward already to the next raid.
The level of organization becomes apparent when looking at the tools a leader of a raiding guild uses to manage his members:
- Guild portals to manage guild websites, news, member listings, openings and updates
- Forum software to facilitate discussions of strategies and publish announcements
- Server licences and servers for multi-conference VoIP applications
- Mailing software to notify members of emergencies and short notice raids
- Incentive databases to track raid attendance by members allowing to reward them accordingly with virtual items
There are dozens of different providers for guild portals, databases and game-specific VoIP programs that cater to the need of raiding guilds and other professional players. Software sellers adapt more and more to this emerging market and recognize the earning potential. The guild's requirements rise and the growing number of vendors suggest that they are taking their organizations serious enough to spend significant money on them.
Already there is a Leadership e-book on the market, written specifically for guild managers in World of Warcraft. The World of Warcraft Guild Management Guide (http://www.killerguides.com/guides/wow/guide/world-of-warcraft/guild) adds a game-specific twist to the self-help, how-to and leadership literature. It seems to be only a matter of time before the first guild consultants pop up.
Raiding guilds still seem to be in their infancy when looking at their recent and silent rise. Maybe the competitive members of those online game sports clubs manage to take things a little further. It happened before - take a look at the nationwide success, TV broadcasts and tournaments for the game Starcraft in Korea. If serious sponsors become interested, who knows - maybe dead dragons will soon be presented by Pepsi and you'll see Lenuvien, the Elf popping a can for the next commercial."
For most of the six million World of Warcraft players, slaying the biggest dragons on the servers, getting the mightiest swords or becoming one of the most powerful mages is their biggest dream inside the game. There is just one little drawback: You don't get there alone. This is one of the reasons why players band together in guilds - groups of players with a common interest. For the really big goals, you need lots of friends. 40 is the maximum and often required number of players it takes to kill the mightiest dragons in ""WoW"" - the affectionate abbreviation World of Warcraft players use for their game. Guilds that specialize on those big hits, are being referred to as raiding guilds.
It's a little bit as if the table has been turned around on Super Mario. Instead of one hero fighting never ending waves of foes, it's groups and armys of players now fighting one big evil monster. These epic battles in the virtual realm require strategy, coordination and practice. Players discuss possible strategies in chats and forums, play together every evening to make their teamwork perfect, use headsets and Voice-over-IP (VoIP) software to coordinate their efforts vocally, watch videos on YouTube of other groups fighting them and read up on strategy guides how to beat the next big dragon in their path. They are full-time players, members of raid guilds.
Members of raiding guilds often recount their ""raiding schedules"" - sometimes with pride, sometimes with a tired sigh. Weekly attendance requirements usually have them play 5 hours on 4 evenings a week. And those time frames are meant only for actual raid encounters and do not include preparations inside and outside of the game. This of course leaves little free time for other activities, though most of them seem content with that. They work together to achieve a common goal and upon success, they see their long preparations and teamwork rewarded, while looking forward already to the next raid.
The level of organization becomes apparent when looking at the tools a leader of a raiding guild uses to manage his members:
- Guild portals to manage guild websites, news, member listings, openings and updates
- Forum software to facilitate discussions of strategies and publish announcements
- Server licences and servers for multi-conference VoIP applications
- Mailing software to notify members of emergencies and short notice raids
- Incentive databases to track raid attendance by members allowing to reward them accordingly with virtual items
There are dozens of different providers for guild portals, databases and game-specific VoIP programs that cater to the need of raiding guilds and other professional players. Software sellers adapt more and more to this emerging market and recognize the earning potential. The guild's requirements rise and the growing number of vendors suggest that they are taking their organizations serious enough to spend significant money on them.
Already there is a Leadership e-book on the market, written specifically for guild managers in World of Warcraft. The World of Warcraft Guild Management Guide (http://www.killerguides.com/guides/wow/guide/world-of-warcraft/guild) adds a game-specific twist to the self-help, how-to and leadership literature. It seems to be only a matter of time before the first guild consultants pop up.
Raiding guilds still seem to be in their infancy when looking at their recent and silent rise. Maybe the competitive members of those online game sports clubs manage to take things a little further. It happened before - take a look at the nationwide success, TV broadcasts and tournaments for the game Starcraft in Korea. If serious sponsors become interested, who knows - maybe dead dragons will soon be presented by Pepsi and you'll see Lenuvien, the Elf popping a can for the next commercial."
2007年12月22日星期六
Bank deposit and lending rates again stressed Yantai people queuing up to the early morning of
Re-adjustment of the central bank's benchmark interest rates for deposits and loans in RMB, demand deposits down for the first time in five years, Hor Namhong Street in the city, and other cities in the north of the city roads, a number of banks had to be from a long row team. Public Junu:shi said: "that came after media reports to depositors, after all, 10,000 a year money to a lot of bad money?" This is the sixth meeting of central bank interest rate increase this year, the public is happy to trouble, members of the public asked: "Always to the bank depositors to queue up to get the increase after interest rates. why not for the banks depositors Zidongzhuaicun?"
Taiwan branch of the China Everbright Bank financial Phoenix when, in answer to this question, said: Based on the March 1, 1993 from the implementation of the "savings Management Ordinance," the outstanding regular savings deposits, all paid in advance, paid by listed on the Notice of demand savings deposit rate of interest paid. In other words, the deposit interest rate increase after all there is a "transfer of critical point", over this critical point, commercial banks if all deposits with interest rate adjustments Zidongzhuaicun, some depositors may be prejudicial to the interests. In addition, the current banking system does not have the policy to depositors, the banks will not easily give depositors to keep their own.
ICBC financial management division, said those remarks, depositors in interest rates should increase the impact of the financial market, it is necessary to understand more financial knowledge to a detailed count. For example: depositors must understand "to keep critical point", to the early withdrawal of time deposits, may lose interest, but lose more than they gain. Mr Lau suggested that depositors can be obtained through a number of techniques to increase interest rates on earnings, the reduction in interest rates in the demand deposits, depositors should be sufficient to stay in the lives of liquidity, appropriate increase the proportion of regular savings.
For example: in the interest rate increase is expected next year still exist, depositors a "ladder savings" more reasonable. Plan to depositors of 30,000 yuan regularly as an example, depositors can be one-year, 2-year, 3-year-deposit 10,000 yuan. After one year, will expire 10,000 yuan to keep the three-year, and so, after three years, all holders of certificates of deposit for the three-year period, the age of maturity is different, followed by a difference of one year. Mr Lau said that this approach can help people cope with the continuous change in the rate of the central bank policy, and a higher income. wholesale pearlwholesale necklace
Taiwan branch of the China Everbright Bank financial Phoenix when, in answer to this question, said: Based on the March 1, 1993 from the implementation of the "savings Management Ordinance," the outstanding regular savings deposits, all paid in advance, paid by listed on the Notice of demand savings deposit rate of interest paid. In other words, the deposit interest rate increase after all there is a "transfer of critical point", over this critical point, commercial banks if all deposits with interest rate adjustments Zidongzhuaicun, some depositors may be prejudicial to the interests. In addition, the current banking system does not have the policy to depositors, the banks will not easily give depositors to keep their own.
ICBC financial management division, said those remarks, depositors in interest rates should increase the impact of the financial market, it is necessary to understand more financial knowledge to a detailed count. For example: depositors must understand "to keep critical point", to the early withdrawal of time deposits, may lose interest, but lose more than they gain. Mr Lau suggested that depositors can be obtained through a number of techniques to increase interest rates on earnings, the reduction in interest rates in the demand deposits, depositors should be sufficient to stay in the lives of liquidity, appropriate increase the proportion of regular savings.
For example: in the interest rate increase is expected next year still exist, depositors a "ladder savings" more reasonable. Plan to depositors of 30,000 yuan regularly as an example, depositors can be one-year, 2-year, 3-year-deposit 10,000 yuan. After one year, will expire 10,000 yuan to keep the three-year, and so, after three years, all holders of certificates of deposit for the three-year period, the age of maturity is different, followed by a difference of one year. Mr Lau said that this approach can help people cope with the continuous change in the rate of the central bank policy, and a higher income. wholesale pearlwholesale necklace
2007年12月20日星期四
The Generation Gap: Passing Sound Financial Practices Down The Family Tree
In our world of keeping up with the joneses, its an everyday struggle to resist buying the latest, greatest toy to wow our neighbors with. But how did we come to be this way?
If youre a Baby Boomer, your parents probably werent like this. They were too busy trying to feed, clothe, and provide shelter for their families; everything else was gravy. But in todays world of borrowing, credit and instant gratification, seemingly anything we want, we can have. We pay for it for years, and thanks to interest rates, we end up paying a lot more than actual sticker price. But hey, we have it now, right? Thing is, if we step back and think about it, we can learn a lot about finances from our parents. We can also pass that info onand then someto our kids, creating a lineage equipped with sound, smart financial knowledge.
Teach them about todays money
Spending isnt like it used to be. Through the prevalence of checks, credit cards and debit cards, cash is a rarity in todays world. But its important that our kids understand where money comes from and how its used. When you plop down the plastic for a purchase, let your kids know that the money is either coming directly from your bank account, or a bill will arrive in the mail which you will soon have to pay. When at the ATM, tell them that cash isnt magically coming out of the box. It was put there from your work, and its money you earned. As they grow older, instill more sophisticated lessons into their lives. Tell them about late fees, interest and the importance of saving. The early you start teaching your kids about finances, the better off theyll be.
College quality counts
Studies show that four-year undergraduate degrees are now the norm in the working world, and in order to stand out, a graduate degree is necessary. On average, the income of someone with a masters degree was nearly $10,000 greater than that of a person with a bachelors degree. Also, the higher rated the college your child attends, the more they will make. Start saving now for your childs education, and be prepared to shell out extra over the long run if need be. Its proven that the amount they will make after college will easily outpace the extra cost incurred by attending a big-name school.
Save, Save, Save
Dont spend, spend, spend. Advertising today would have you believe that everything on the market is an absolute must have for you and your family. Credit card companies are approving younger and younger kids every day. Resist the urge to splurge. Make saving a priority in your family, and introduce kids to the concept as early as you can. If your child requests a big ticket item, put them on an allowance and encourage them to save for it. Tell them that if they save an agreed-upon amount within a certain time frame, youll match it (a nice little introduction to the world of the 401(k)).
Help them as adults
Studies show that most grown, independent children ages 25 to 34 receive over $14,000 from their parents. No, these arent slacker kids still living at home. These are independent, educated adults who earn a decent income, but who might need a little help getting started in the world. Giving now can help your kids save on estate tax when youre gone, and will also have more of an immediate impact for them and more satisfaction for you. The IRS will allow a gift of up to $11,000 per year for each child without incurring a gift tax, and couples are allowed $22,000. When you do give a sizeable gift to an adult child, make sure you set the ground rules on it before the money exchanges hands. Let them know that the money is to be specifically used for something like a down payment on a home, not for a new sports car. You want your cash gift to help your child become independent, not condition them to expect parental gifts for frivolous purchases.
Most importantly, be a role model to your children when it comes to finances. Just like everything else, you can preach until youre blue in the face, but if they notice you making unsound financial decisions, the more likely they are to do the same.
If youre a Baby Boomer, your parents probably werent like this. They were too busy trying to feed, clothe, and provide shelter for their families; everything else was gravy. But in todays world of borrowing, credit and instant gratification, seemingly anything we want, we can have. We pay for it for years, and thanks to interest rates, we end up paying a lot more than actual sticker price. But hey, we have it now, right? Thing is, if we step back and think about it, we can learn a lot about finances from our parents. We can also pass that info onand then someto our kids, creating a lineage equipped with sound, smart financial knowledge.
Teach them about todays money
Spending isnt like it used to be. Through the prevalence of checks, credit cards and debit cards, cash is a rarity in todays world. But its important that our kids understand where money comes from and how its used. When you plop down the plastic for a purchase, let your kids know that the money is either coming directly from your bank account, or a bill will arrive in the mail which you will soon have to pay. When at the ATM, tell them that cash isnt magically coming out of the box. It was put there from your work, and its money you earned. As they grow older, instill more sophisticated lessons into their lives. Tell them about late fees, interest and the importance of saving. The early you start teaching your kids about finances, the better off theyll be.
College quality counts
Studies show that four-year undergraduate degrees are now the norm in the working world, and in order to stand out, a graduate degree is necessary. On average, the income of someone with a masters degree was nearly $10,000 greater than that of a person with a bachelors degree. Also, the higher rated the college your child attends, the more they will make. Start saving now for your childs education, and be prepared to shell out extra over the long run if need be. Its proven that the amount they will make after college will easily outpace the extra cost incurred by attending a big-name school.
Save, Save, Save
Dont spend, spend, spend. Advertising today would have you believe that everything on the market is an absolute must have for you and your family. Credit card companies are approving younger and younger kids every day. Resist the urge to splurge. Make saving a priority in your family, and introduce kids to the concept as early as you can. If your child requests a big ticket item, put them on an allowance and encourage them to save for it. Tell them that if they save an agreed-upon amount within a certain time frame, youll match it (a nice little introduction to the world of the 401(k)).
Help them as adults
Studies show that most grown, independent children ages 25 to 34 receive over $14,000 from their parents. No, these arent slacker kids still living at home. These are independent, educated adults who earn a decent income, but who might need a little help getting started in the world. Giving now can help your kids save on estate tax when youre gone, and will also have more of an immediate impact for them and more satisfaction for you. The IRS will allow a gift of up to $11,000 per year for each child without incurring a gift tax, and couples are allowed $22,000. When you do give a sizeable gift to an adult child, make sure you set the ground rules on it before the money exchanges hands. Let them know that the money is to be specifically used for something like a down payment on a home, not for a new sports car. You want your cash gift to help your child become independent, not condition them to expect parental gifts for frivolous purchases.
Most importantly, be a role model to your children when it comes to finances. Just like everything else, you can preach until youre blue in the face, but if they notice you making unsound financial decisions, the more likely they are to do the same.
2007年12月19日星期三
Kitchen Trends For A Trendy You
You like to be in style and to stay attuned with all the latest fashion and decorator trends. Why shouldnt your kitchen be as up to date as you are? Following are some of the hottest kitchen trends you may want to implement into your kitchen design to make it as current as you are.
1. Color is in. Gone are the days of the all white kitchen. Brown is particularly a la mode right now, but grays, blues and greens are also fashionable. Refacing your cabinets in a colored laminate is one way to incorporate this trend. Vivid mosaic backsplashes and cork flooring are also drawing rave attention from kitchen designers.
2. Dramatic impact makes its mark. Unique and strategically placed windows, multi-leveled center islands, open kitchen designs with cozy adjacent sitting nooks, built-in seating areas, and kitchens that are kid friendly are all the rage right now in kitchen trends.
3. Pantries are made to be seen. Thats right, what was formerly a kitchen storage eyesore is now becoming a feature attraction of the room. If you need lots of storage space, try a walk-in pantry. If space is at a premium in your kitchen, a built-in pantry may be a better option. Whichever you choose, make this latest trend a focal point of your kitchen design.
4. Sophisticated touches are making a comeback. Beamed ceilings, antique decorative items, impact-adding molding, dramatic lighting, and porcelain and ceramic backsplashes can all add some major trendy wow to your kitchen.
5. Redecorate around a theme. Keep things believable by designing your kitchen around a feature thats authentic to your homes age. Or, bring back the hottest centuries-old trend with a feng shui friendly kitchen that revolves around the energy-enhancing arrangement of its furniture pieces.
These kitchen trends will not only help you update your kitchen, but a kitchen remodel is also one of the best ways to add value to your home.
1. Color is in. Gone are the days of the all white kitchen. Brown is particularly a la mode right now, but grays, blues and greens are also fashionable. Refacing your cabinets in a colored laminate is one way to incorporate this trend. Vivid mosaic backsplashes and cork flooring are also drawing rave attention from kitchen designers.
2. Dramatic impact makes its mark. Unique and strategically placed windows, multi-leveled center islands, open kitchen designs with cozy adjacent sitting nooks, built-in seating areas, and kitchens that are kid friendly are all the rage right now in kitchen trends.
3. Pantries are made to be seen. Thats right, what was formerly a kitchen storage eyesore is now becoming a feature attraction of the room. If you need lots of storage space, try a walk-in pantry. If space is at a premium in your kitchen, a built-in pantry may be a better option. Whichever you choose, make this latest trend a focal point of your kitchen design.
4. Sophisticated touches are making a comeback. Beamed ceilings, antique decorative items, impact-adding molding, dramatic lighting, and porcelain and ceramic backsplashes can all add some major trendy wow to your kitchen.
5. Redecorate around a theme. Keep things believable by designing your kitchen around a feature thats authentic to your homes age. Or, bring back the hottest centuries-old trend with a feng shui friendly kitchen that revolves around the energy-enhancing arrangement of its furniture pieces.
These kitchen trends will not only help you update your kitchen, but a kitchen remodel is also one of the best ways to add value to your home.
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