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Is debt consolidation the perfect financial solution for me? Now that we’re in a recession (according to the Ernst & Young ITEM Club Autumn forecast), there’s a real need for individuals with debt problems to understand what is different between consolidation loans and the other available financial solutions - and understand which one might be the best solution for their circumstances.

First of all, it hangs on what the future holds. In a recession, it’s more than likely to be bad news - when consumer spending dips and businesses make a loss, many companies are forced to make people redundant just so they can stay afloat. For anyone who has got an idea their company is thinking about laying off staff, debt consolidation may not be the best idea.

Why? One of debt consolidation’s top benefits is the chance to reduce the monthly amount a person pays in debt repayments. Consolidating debt is most effective when the individuals financial situation is fairly stable: when they are aware how much they are making and how much they’re spending each month, they can work out the number one way of paying back their debt.

So an individual facing the possibility of unemployment could be better off looking into debt management, instead of debt consolidation. Debt management offers a flexible approach to debt: borrowers can ask debt management professionals to get in contact with their creditors on their behalf, asking them to think about allowing reduced monthly payments, waive charges and/or freeze interest.

Individual Voluntary Arrangements need a lot of commitment and can require homeowners to free up some of the equity in their property. Borrowers must be able to commit to making fixed monthly payments for (most of the time) six years, based on the maximum they can afford when they’ve taken their needed expenses into account. Even so, an Individual Voluntary Arrangement can make all the difference - for people whose debts have slowly become out of control, including persons facing a quick fall in their earnings. Granted, IVAs do require a level of financial stability: if the individual doesn’t feel they are able to commit to five years of regular payments, an Individual Voluntary Arrangement might not be the perfect debt solution for them.

Read more about debt consolidation, debt management & IVAs here.

This is the third in a series of articles highlighting reasons why we need a new model for anti-virus and security solutions.

Reason #2: the Desktop Security Software Risks

The risks of placing software on the desktop are such that I will be breaking this article into two parts.

There are many advantages to putting security and anti-virus software on the desktop. They range from efficiency to money. Under previous ways of thinking if I can capture security and virus problems at the desktop I can prevent them from going any farther. That works well in a non-connected environment. In the connected environment it makes more sense to centralize the software and monitor connections in and out. Basically “firewall” all the appliances from each other.

In a previous article we discussed the security risks inherent with desktop software designed to be the protection layer between you and all those bad people out there on the Internet. Here now we will discuss some more mundane issues regarding the risks of putting security software on the desktop: Drag Drag steals clock-cycles from your processes so that it can run in a higher priority mode. Anti-virus software especially places a drag on your computer. Depending on your settings (and the default settings are usually very aggressive), every time you run a program or open a file, real-time file scanning takes place and your files are scanned for viruses. This slows down your processing. Accessing larger files takes longer. You can see a discernible lag time between when you start a program/open a file and when you can actually access it. Compatibility After the obvious issue of “drag” is compatibility. Often security and anti-virus rules get in the way of your doing business on your computer. While you may get away with using older versions of such packages as Word, Sims, Photoshop, etc. on your computer with the new XP operating system, it’s unlikely your security software will be completely compatible. Why? Many packages rely on very low-level functionality to be able to do the tasks they set out to do. Anti-virus packages have to be able to operate at a level closer to the hardware than most packages. They need to do this to prevent virus software from taking precedence from them. While many packages offer backward-compatibility the opposite is not true: forward-compatibility. There are several reasons for this: a package written for Windows 98 will not anticipate all the changes to the operating system that are implemented for Windows XP. While your Win98 anti-virus program may work under XP, it won’t work at its peak performance. It can’t. It’s just another reason for centralizing your security. By siphoning all your traffic through a security screen at your ISP, for instance, you offload the need for updates and staying up-to-date on your security software. This then becomes the job of the service provider. Updates Having the software on your desktop means you are responsible for maintaining that software. In the case of office productivity software or image editing software, if new versions come out with features you’re not interested in, you don’t update. With new viruses appearing on the landscape every day, you can’t afford not to continually update your software. If you don’t update for a month or two, you run severe risks of infection. You also will incur potential long update cycles as your software has to be upgraded to handle all the new threats. This makes the desktop these days a somewhat ineffective solution. Nearly two-thirds of all the PCs that have anti-virus protection installed do not update their definitions regularly. These PCs might as well uninstall the software for all the good it’s doing them. Lost Time As mentioned in the above discussion, you can lose considerable time if you don’t update regularly. Long intervals between updates can translate into long update cycles. If you have a slow connection to a vendor, your down time is much longer as you have to wait for the files to be downloaded and then you have to wait for your software to update itself. Solution The better solution is to move to a centralized solution in which all the software, all the updates are the responsibility of the service provider. You pay for the service of having your email cleaned before you receive it. When email arrives at your service provider’s mailbox, it is checked for malicious tendencies and stripped if bad. You notice no long waiting, no downtime, no drag, no incompatibilities.

Located in modern facility, a few miles from Encompix’s Cincinnati headquarters, J.F.Berns Company, Inc., specializes in bar feed and lathe accessories such as Spindle Liners, Barfeeders, Bar Supports, Bundle Loaders and Chamfering Machines. J.F. Berns was referred to Encompix by a mutual customer, LNS America.

As custom machine building is now a growing part of their business, J.F. Berns needed an ERP (Enterprise Resource Planning) system focused on ETO (Engineer-to-Order). Encompix ERP software will be J.F. Berns first integrated system and replaces a series of manual and legacy systems.

According to Thomas R. Cutler, spokesperson for the ETO Institute (www.etoinstitute.org), “Encompix continues to capture significant marketshare in the ETO environment because few other ERP vendors truly understand the nuances and significant distinctions of the ETO process versus the repetitive manufacturing process. Encompix now has more than 200 of the leading ETO manufacturing firms in North America using their ERP Software solution.”

Encompix (www.encompix.com) has filled the manufacturing software requirements of Engineer-to-Order companies since 1992. The company name reflects the commitment to developing business application solutions that encompass the complex areas of project-based and job-based manufacturing. Encompix provides ETO manufacturers with a competitive advantage by improving bottom line results.

Encompix www.encompix.com Roger Meloy rmeloy@encompix.com 513-733-0066

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THE SCIENTIFIC MIRACLES OF THE QUR’AN

INTRODUCTION Fourteen centuries ago, God sent down the Qur’an to mankind as a book of guidance. He called upon people to be guided to the truth by adhering to this book. From the day of its revelation to the day of judgement, this last divine book will remain the sole guide for humanity. The matchless style of the Qur’an and the superior wisdom in it are definite evidence that it is the word of God. In addition, the Qur’an has many miraculous attributes proving that it is a revelation from God. One of these attributes is the fact that a number of scientific truths that we have only been able to uncover by the technology of the 20th century were stated in the Qur’an 1,400 years ago. Of course the Qur’an is not a book of science. However, many scientific facts that are expressed in an extremely concise and profound manner in its verses have only been discovered with the technology of the 20th century. These facts could not have been known at the time of the Qur’an’s revelation, and this is still more proof that the Qur’an is the word of God. In order to understand the scientific miracle of the Qur’an, we must first take a look at the level of science at the time when this holy book was revealed. In the 7th century, when the Qur’an was revealed, Arab society had many superstitious and groundless beliefs where scientific issues were concerned. Lacking the technology to examine the universe and nature, these early Arabs believed in legends inherited from past generations. They supposed, for example, that mountains supported the sky above. They believed that the earth was flat and that there were high mountains at its both ends. It was thought that these mountains were pillars that kept the vault of heaven high above. However all these superstitious beliefs of Arab society were eliminated with the Qur’an. In Sura Sad, verse 2, it was said: “God is He who raised up the heavens without any support…” (The Qur’an, 13:2). This verse invalidated the belief that the sky remains above because of the mountains. In many other subjects, important facts were revealed at a time when no one could have known them. The Qur’an, which was revealed at a time when people knew very little about astronomy, physics, or biology, contains key facts on a variety of subjects such as the creation of the universe, the creation of the human being, the structure of the atmosphere, and the delicate balances that make life on earth possible. Now, let us look at some of these scientific miracles revealed in the Qur’an together. THE COMING OF THE UNIVERSE INTO EXISTENCE The origin of the universe is described in the Qur’an in the following verse: He is the Originator of the heavens and the earth. (The Qur’an, 6:101) This information given in the Qur’an is in full agreement with the findings of contemporary science. The conclusion that astrophysics has reached today is that the entire universe, together with the dimensions of matter and time, came into existence as a result of a great explosion that occurred in no time. This event, known as “The Big Bang” proved that the universe was created from nothingness as the result of the explosion of a single point. Modern scientific circles are in agreement that the Big Bang is the only rational and provable explanation of the beginning of the universe and of how the universe came into being. Before the Big Bang, there was no such thing as matter. From a condition of non-existence in which neither matter, nor energy, nor even time existed, and which can only be described metaphysically, matter, energy, and time were all created. This fact, only recently discovered by modern physics, was announced to us in the Qur’an 1,400 years ago.

THE EXPANSION OF THE UNIVERSE In the Qur’an, which was revealed 14 centuries ago at a time when the science of astronomy was still primitive, the expansion of the universe was described like this: And it is We who have constructed the heaven with might, and verily, it is We who are steadily expanding it. (The Qur’an, 51:47) The word “heaven”, as stated in this verse, is used in various places in the Qur’an with the meaning of space and universe. Here again, the word is used with this meaning. In other words, in the Qur’an it is revealed that the universe “expands”. And this is the very conclusion that science has reached today. Until the dawn of the 20th century, the only view prevailing in the world of science was that “the universe has a constant nature and it has existed since infinite time”. The research, observations, and calculations carried out by means of modern technology, however, have revealed that the universe in fact had a beginning, and that it constantly “expands”. At the beginning of the 20th century, the Russian physicist Alexander Friedmann and the Belgian cosmologist Georges Lemaitre theoretically calculated that the universe is in constant motion and that it is expanding. This fact was proved also by observational data in 1929. While observing the sky with a telescope, Edwin Hubble, the American astronomer, discovered that the stars and galaxies were constantly moving away from each other. A universe where everything constantly moves away from everything else implied a constantly expanding universe. The observations carried out in the following years verified that the universe is constantly expanding. This fact was explained in the Qur’an when that was still unknown to anyone. This is because the Qur’an is the word of God, the Creator, and the Ruler of the entire universe.

THE SPLITTING ASUNDER OF “THE HEAVENS AND THE EARTH” Another verse about the creation of the heavens is as follows: Do not the Unbelievers see that the heavens and the earth were joined together (as one unit of creation), before We clove them asunder, and We made from water every living thing. Will they not then believe? (The Qur’an, 21:30) The word ratq translated as “sewn to” means “mixed in each, blended” in Arabic dictionaries. It is used to refer to two different substances that make up a whole. The phrase “we unstitched” is the verb fataqa in Arabic and implies that something comes into being by tearing apart or destroying the structure of ratq. The sprouting of a seed from the soil is one of the actions to which this verb is applied. Let us take a look at the verse again with this knowledge in mind. In the verse, sky and earth are at first subject to the status of ratq. They are separated (fataqa) with one coming out of the other. Intriguingly, when we remember the first moments of the Big Bang, we see that a single point included all the matter in the universe. In other words, everything, including “the heavens and earth” which were not created yet, were included in this point in a condition of ratq. This point exploded violently, causing its matter to fataqa and in the process created the structure of the whole universe. When we compare the expressions in the verse with scientific findings, we see that they are in perfect agreement with each other. Interestingly enough, these findings were not arrived at until the 20th century. ORBITS While referring to the Sun and the Moon in the Qur’an, it is emphasized that each moves in a definite orbit. It is He Who created the night and the day, and the sun and the moon. They swim along, each in an orbit. (The Qur’an, 21:33) It is mentioned in another verse, too, that the Sun is not static but moves in a definite orbit: And the sun runs to its resting place. That is the decree of the Almighty, the All-Knowing. (The Qur’an, 36:38) These facts communicated in the Qur’an have been discovered by astronomical observations in our age. According to the calculations of experts on astronomy, the Sun is traveling at the enormous speed of 720,000 kilometers an hour in the direction of the star Vega in a particular orbit called the Solar Apex. This means that the sun travels roughly 17,280,000 kilometers a day. Along with the Sun, and all planets and satellites within the gravitational system of the Sun also travel the same distance. In addition, all the stars in the universe are in a similar planned motion. That the entire universe is full of paths and orbits such as this one, is written in the Qur’an as follows: By the sky full of paths and orbits. (The Qur’an, 51:7) There are about 200 billion galaxies in the universe, consisting of nearly 200 billion stars in each. Most of these stars have planets, and most of those planets have satellites. All of these heavenly bodies move in very precisely computed orbits. For millions of years, each has been “swimming” along in its own orbit in perfect harmony and order with all the others. Moreover, many comets also move along in the orbits determined for them. The orbits in the universe do not only belong to celestial bodies. The galaxies also travel at enormous speeds in computed, planned orbits. During these movements, none of these celestial bodies cuts across another’s path, or collides with another. Surely at the time the Qur’an was revealed, mankind did not possess today’s telescopes or advanced observation technologies to observe millions of kilometres of space, nor the modern knowledge of physics or astronomy. Therefore, at that time, it was not possible to determine scientifically that space is “full of paths and orbits” as stated in the verse. However, this was openly declared to us in the Qur’an that was revealed at that time:-because the Qur’an is the word of God.

Hotel Mia Cara is one of the best 3 star hotels in the center of Florence which is situated in a historical building in Via Faenza, in the central city’s quiet limited traffic area (ZTL). The Hotel is charming and elegant, recently restructured with style and comfort. A warm welcome awaits visitors in the hotel’s pleasant, tasteful, modern settings, with details inspired from tradition of Tuscany, such as the pavements in Cotto Fiorentino. Hotel Mia Cara offers a high standard of services: a 24h reception and TV room are always available to guests, with continental style buffet breakfast given in a spacious well-lit lounge with beautiful original frescoes. Guests are provided with tourism information for visiting museums and monuments nearby the hotel in the centre of Florence, and all the latest news on exhibits and events taking place in town and the surrounding area.

24h Reception
Tourist info
Buffet breakfast
TV room
Relaxing Garden for smokers

The Hotel Mia Cara features 18 pleasant rooms in the center of Florence. Comfortable, recently restored and completely renovated, they offer the best comforts among hotels in Florence (telephone, TV, Internet socket, minibar, air conditioning, non smoking, non-allergenic, etc.), all with private bathroom and shower, hairdryer and complementary beauty kit.
Classic styled furnishings are enhanced by ample well lighted spaces, allowing the Hotel Mia Cara to also propose family rooms, with four beds, ideal for families with children (a privilege for a 3 star hotel in Florence) in addition to the regular single, double, double-bed and triple rooms.
Each room features a practical writing desk, ideal for business travelers or tourists.

COMFORTS
Non-smokers
Non-allergenic
Air conditioning
Safety box
Internet socket
TV
Telephone
Minibar
Bathtube
Hairdryer
Beauty kit

Hotel Mia Cara is a convenient accommodation for visiting Florence historical center on foot with its churches, museums, palaces, monuments, art and trade exhibitions and other main tourist attractions for business travelers and tourists alike because it is situated in an excellent central position among hotels in Florence. The Hotel is close to the central Santa Maria Novella Train Station, the Duomo, Santa Croce Church, San Lorenzo Church, etc.). The Hotel is also very central to access the exhibition centers (Fortezza da Basso, Palazzo dei Congressi, Palazzo degli Affari) thanks to its location in Via Faenza, just a two minute walk from the central Church of Santa Maria Novella, the splendid building complex featuring a convent and basilica with a characteristic facade in green and white marble (a refined work by Leon Battista Alberti), housing within it and in its beautiful cloisters 15th century Florentine masterpieces, among which are the Trinity by Masaccio and History of the Ancient Testament by Paolo Uccello.

Other than Hotel Mia Cara, you can browse our offers for cheap hotel in Florence, pls visit our catalogue of Hotels all over Italy, where you can find also a wide range of Bed and Breakfast in Rome and Hotels in Florence, from cheap to luxury, togheter with Hotels in Tuscany

The term “touchy feely” has a poor connotation. It implies an over emotional response or environment. It is often used in conjunction with newage programs focused on building or reestablishing bonds between people. Anyone who is a “touchy feely” type is viewed with considerable suspicion. This is unfortunate.

If I were to define a “touchy feely” type, I would say simply that they are people who break barriers. On a physical level they regularly cross over personal barriers. They touch your arm or get within an uncomfortable distance from you. Psychologically speaking they “Get into your head.” This can be a very threatening prospect. The reason is that anyone crossing a personal barrier is viewed as having an agenda. They want something from you. Imagine the horror of facing a “touchy feely” salesman! Or if you were fortunate to have one nearby, remember your grandmother.

We don’t like the salesman, but we adore the grandmother. However, it’s what’s in between these two extremes that matters. In fact, these two images do not do justice to the process of human interaction. The truth is that no matter what type of interaction, contact between two or more people is a complexmulti dimensional laden event. There is sight, sound and smell. There is communication or an attempt at it. There is even physical contact. If you doubt the physical contact in every encounter, consider that the other person only needs to move towards you. Everytime they move, the air surrounding them is pushed towards you. Their personal atmosphere contains odors(natural or unnatural fragrances), sounds(rustling clothes) and images of their expressions and movement. The same applies to you as well.

It is the realization of this fact which is most important. “Touchy Feely” is a good thing. It actually implies a response that is in fact primed for success. Timing and appropriateness are the keys to making a successful contact. There is a time to close the distance between yourself and another individual. There is a time to present your agenda. There is an appropriate way to dress and move relative to the purpose of the contact. Ironically, both the successful salesmen and grandmothers have worked out the kinks in their presentations to avoid overwhelming the people they encounter. It’s really the bad salesmen and grandmothers we don’t like.

Step back and think about all the ways you affect the people near you. Summarize the various forms of communication that you use to bring about successful relationships. Take each one and begin researching it. For instance, you will find an endless number of articles about dressing for social and work situations. You will also come across articles that talk about the benefits of the therapeutic touch. Actually, it has been shown that a light touch on another’s arm can positively affect the outcome of an encounter. Find out how to be “touchy feely” in a good way.

It is time for the “equal opportunity for all” that technology makes possible!! We should have voice recognition so good by now that the keyboard would have been eliminated completely! Somebody is keeping the general public chained to a Model-T! The super-rich should be compelled to share, not just their surplus $$$ to eliminate poverty [365 of the world's richest people have as much $$$ as 2.6 BILLION of the poorest...that's 43 more than 1st class on the TITANIC!], but all the best toys so that there is equal opportunity for ALL!! Want to join a benevolent Revolution?? [The USA's Dec. of Indep. & Constitution allow an overnight change of the form of gov't. if the current one isn't working....it isn't!!! Other countries & peoples can join in too + everyone's welcome!] See the beginnings at (( http://keeperofflame.proboards24.com/. )) or http://excoboard.com/exco/index?boardid=1979 or this site [Vaccine & 'Keeper of the Flame'] and E-mail me at Capt.Kirk@aggressive.com

Reply by Captain America
It’s about time for the USA to reach its full potential [for the first time], with equal opportunity for ALL! Abraham Lincoln said that “Equal opportunity for every American was the un-finished work of America”!

About the Author

Teacher: The Keeper of the Flame

But comes to online marketing getting the hang of it is not so much a matter of memorizing a whole bunch of different tactics.

Getting the hang of online marketing is more a matter of learning how to strategize, network, and synergize several different technologies to produce a result.

The beauty of online marketing is that it is more work than money although once you get the hang of it it’s not very much work so much as it is fun.

Internet marketing for some comes extremely easy at first, for others it is a learning curve. Everybody who gives a good go will eventually get it and within six months will be creating their own marketing tactics.

For many years that use the Internet as a social network.To me the Internet was a place to connect with old friends, meet new friends, and generate connections for business and other endeavors.

When I came across online marketing and realized the potential that Internet marketing had to both boost my networking capabilities, marketing strategies, and cost-effectiveness of my projects, I started see the Internet in a new light.

The Internet has a lot of great uses from friendships and staying in touch to business endeavors and keep advertising.

I’m just now starting to tap the potential of the Internet marketing platform.

Searching for the most up-to-date help concerning projector rentals.
When you’re trying to find better information relating to projector rentals, it will be easier said than done separating superior advice from ill-equiped projector rentals suggestions and directions so it is wise to recognize how to moderate the advice you are presented with.

All Service Computer Rental: Projectors
Nationwide, business only rentals of a full range of computer, audio, and visual equipment, including computer projectors.

What follows next are a few tips that we believe you should think of using when you’re searching for information about projector rentals. Understand that the guidance we put forward is only relevant to web based information about projector rentals. We do not offer you any direction or assistance for conducting research offline.

All Service Computer Rental: Projector Rentals
Nationwide, business-only rentals of a full range of computer, audio, and visual equipment, including computer projectors.

An interesting tip to pursue when you’re presented with information or advice on a projector rentals article would be to determine who owns the site. This could reveal the people behind the website projector rentals credibility The easiest way to find out who is behind the projector rentals web site is to look on the ‘about’ page or the sites ‘contact’ page.

All decent sites providing information on projector rentals, will almost certainly provide an ‘about’ webpage which will list the owner’s details. The details should let you know major points about the owner’s necessary expertise. This means you can conduct an appraisal about the webmaster’s depth of experience, to provide advice to you regarding projector rentals.

About the author:

Richard Jones is the webmaster for http://www.projector-rentals-lcd.com