Black Friday,the sale day

Black friday is the day of SALES!!!!

Sleep Number Bed Reviews & Ratings - How Does it Compare to Memory Foam, Latex and Innerspring?

If you are considering the Sleep Number Bed, then you've come to the right place because I have important, unique information to share with you.

My research team has gathered data from over 800 Sleep Number Bed owners. This article discusses our findings regarding two main issues: comfort and durability.

Comfort

Nearly 80% of Sleep Number Bed owners in our research indicate that the bed is comfortable. This percentage is about equal to Tempurpedic and most other memory foam beds. And it's in the range of latex mattresses and waterbeds. The Sleep Number Bed clearly beats innerspring mattresses in that around 55% of innerspring bed owners indicate that their beds are comfortable.

Sleep Number Beds owners find the bed to be comfortable because it relieves pressure points and, perhaps more importantly, it is adjustable in regard to firmness. In other words, adding or removing air from the bed increases or decreases the firmness. This allows a person to find a firmness level that perfectly suits his or her personal preference.

Durability

The Sleep Number Bed also performs well overall in regard to durability. It is not uncommon at all, according to our research, for owners to have their beds for 10 or even 15 years with little or no loss of comfort. There is some foam on the bed that can sag and compress overtime, but this does not seem to have much of a negative impact.

The Sleep Number Bed's good durability is fairly unique among mattresses. That's because most beds, especially innerspring mattresses, tend to wear out fairly quickly. It's often difficult to find an innerspring mattress over 10 years old that still provides a good night's sleep.

Are You Fully Prepared For A Fresh Set Of Challenges? A Sales Management Checklist

Essentially, the task of the Sales Manager is to produce revenue for their company through the operations of the sales staff for whom they are responsible. The size of this revenue, and the profit (however defined) which it should show, are usually predetermined in order to achieve the aims of company policy. The objectives which they set for the various activities which are involved in carrying out this task should therefore be derived from, and be compatible with, company objectives, such as return on capital employed, cash flow, market position, growth.

Since, like other managers, the Sales Manager depends on those who work for them to produce the results by which they are judged, consideration can usefully continue by regularly examining the nature and characteristics of their role.

As we near the end of the year, this is an excellent time to take stock and ask yourself some important questions to ensure that you are totally prepared for the fresh set of challenges that lay ahead next year

* What are the objectives of my department, function and company?

* Am I satisfied that I feel these can be achieved - that I have a plan for this?

* In what ways can my department/company be improved?

* Is the work in my area altering in nature, quantity or quality?

* Can the work be done it a better way?

* Have I the right equipment and facilities?

* Have I the right number of staff?

* Am I happy that all my subordinates are correctly placed and loaded?

* Is my staff doing what I want them to do?

* Do any of my staff need further training? Have I a training plan?

* What are the staffing trends?

* Are my staff happy? Do I spend enough time with them?

* Have I a trained deputy?

* Am I satisfied personally?

* Is my authority defined and adequate?

* Is my relationship with senior management satisfactory?

* Where is my next promotion coming from?

* Am I doing too much routine or administrative/clerical work?

* Have I enough time for thinking?

Summary:

For a group of people to remain "consciously competent" at optimum performance levels, they require frequent injections of stimulation, motivational guidance and prompting otherwise they can easily lapse into" unconsciously competent", or worse, "unconsciously incompetent"

The primary objective of a professional Sales Manager has to be:

"To achieve consistently superior results, through the performance of every key individual."

However, you can only achieve that objective if you, yourself, are fully committed and focussed on what will be required.

Copyright © 2006 Jonathan Farrington. All rights reserved

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How To Deliver More Next Year With Less!

I want you to deliver more:

- Profit

- Sales

- Productivity

- Customers

- Quality

And, by the way, you've got less:

- Money

- Staff

- Time

Sound familiar? Year on year, sales leaders are being asked to achieve improved results with fewer resources or, at least, more from the same. To most Sales Directors, the attainment of a permanent increase in sales revenues must seem like the search for eternal youth; unending and, ultimately, unavailing.

Unfortunately, the task of selling never becomes any easier and as competition continues to intensify, sales people will face issues that can be extremely difficult to deal with e.g. decreased product uniqueness, increased competition within 'safe' markets, longer sales cycles and shorter product life spans.

The reality is that whatever got you where you are today will not be sufficient to keep you there. A rapidly changing environment is the regular background against which organisations must develop.

Change is continuous and will become more rapid as we move forward over time. Sales management must be capable of reacting to those changes, be prepared to take advantage of them and yet stay within the overall framework of a formalised strategy.

The role of strategy is fundamental if the people within an organisation are to be enabled to make the level of contribution of which they are capable. Strategy, based on a good grasp of the core competencies of a business, is an essential precursor to achieving optimal shareholder value.

Getting more for less or more from the same level of resources, is my simple definition of efficiency.

Here then are six steps you can take in 2007 that will help you achieve those increased targets:

Step One: Understand your operation

- Do you know your operation well enough to improve it?

Step Two: Set the right objectives

- Do you have the right objectives to steer improvement?

Step Three: Check customer perception

- How can you identify non-value-added (wasteful) activity?

- How can you remove it?

Step Four: Increase capacity

- Are you meeting demand?

- What action(s) can you take?

- How efficient are your resources?

Step Five: Continuously improve

- Do you have a systematic approach to constant improvement?

Step Six: Check customer perception

- How effective have your efforts been?

- How can you tell?

And finally, when you review your performance in 2006, consider benchmarking yourself against the Sales Management Acid Test:

The Acid Test - When thinking about your own sales force,

- Did you understand their motivators - what was driving them?

- Did you always have visibility of their numbers - year to date, forecast vs. required performance?

- Activity levels - did they work hard and smart enough?

- Engagement - did they always meet with the right level in their prospects/accounts?

- Messaging - were they capable of delivering an appropriate message at the right level?

- Qualification - did they only spend time on deals where they could compete and ultimately win?

- Closing - did they construct successful campaigns and close enough business?

Copyright © 2006 Jonathan Farrington. All rights reserved

Fred Meyers Black Friday 2009

Nobody got trampled. I thought it would be much more exciting, but it wasn't :'( youtube.com twitter.com



http://www.youtube.com/watch?v=guL0m-Prr7w&hl=en

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Getting Pumped Up About Black Friday 2009

The excitement is in the air and rightfully so. There is so much to enjoy about this holiday season, with the highlight being Black Friday 2009. It promises to be the biggest ever and why not. There will be sales on several items from clothes to electronics. Below are places that are going to have some great sales from which to choose.

Best Buy-Don't miss out on one of the biggest electronic stores ever built. Best Buy is a popular option because of the prices on some of the top brand electronics. Come Black Friday look out for deals and bargains on items like the X-Box 360, PS3, various DVDs, and HD televisions. You will find out quickly why Best Buy is one of the more popular destinations to shop, not only on Black Friday, but anytime of the year.

Walmart-Walmart has been around well over a decade and the reasons are easily understandable. Walmart is so diverse that you can find anything and everything you ever need there. Then you include the sales that they will offer on Black Friday and you have a combination that you ca not beat. The sales will be plentiful and you can find them on things like clothes, electronics, sporting gear and car services. Don't miss out on what Walmart has to offer.

Amazon-One of the biggest, most diverse online shopping places there is. This place always booms with sales whether it is big festival or not. Find sales on books, electronic and DVDs, their most popular items.

No matter where you look, Black Friday 2009 ads are a great way to find the sales that suit you best. Happy shopping. The day draws near!

For More Information :- Black Friday 2009 and Black Friday 2009 Ads

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8 Great Black Friday Merchant Tips

8 Tips for Merchants on Black Friday

With the upcoming holiday sales season soon upon us it is beneficial to all e-commerce shoppers and merchants to understand that for every 99% of the honest people, there are disreputable customers that we must all pay for. I am speaking first about credit card fraud, and the need for the customer and the merchants to be able to accept purchases knowing that steps have been taken to help lessen and prevent fraud and other criminal activity. When a merchant has to deal with charge backs from credit card companies, it creates an expense that is ultimately passed up on to consumers. So this Black Friday take the time to double check your sales procedures, with special emphasis at looking at the bill to a ship to on credit card charges, the expiration dates, and the name of the customer on the card, does it match?

Tip one if the customer requests expedited shipping on an expensive product always take the time to follow up with a call or an e-mail to ensure it was an authorized purchase.

Tip two if the billing address is separate from the customers address make sure there is an authorized purchase, by following up with an e-mail or phone call.

Tip three by requesting additional information from the customer such as phone number, or cell phone number, you may be able to quickly have a more dependable contact in case of a problem.

Tip four if the product has been ordered for delivery and it is an expensive product; request a signature option for the delivery service.

Tip five if the credit card is not from a local bank or from a major banking institutions take the time to ask additional questions from the customer.

Tip six if the customer is using a debit card asked for two forms of ID, for online purchases you can request a callback from the cardholder, and explain to you or verifying a purchase for the dollar amount requested.

Tip seven asked the customer to provide the bank credit card issuers phone number, so that you can verify if it is an active account, or if it has been listed as a compromised card.

Tip eight for online merchants to help prevent credit card fraud, identify your highest value items, and make a note that all sales of these products require additional attention.

There is no magic bullet for stopping people to want to commit e-commerce fraud, customers that wish to make fraudulent orders at stores, however knowing the state of the economy in keeping aware of the telltale signs that these criminals often give us, will help put a dent in the number of these types of cases. All merchants should be aware of the credit card companies policies and have a list of phone numbers to contact in case of a problem. Remember any merchant can dispute a charge back, and it is in their best interest to do so because fraud cost us all. So have a great happy holiday season, especially on Black Friday which many businesses count on for their highest sales day.

Jeffrey Meier of Jam727 Enterprises offers worry free buying and great deals on Black Friday as well as every other day at http://www.noisefreeheadphones.com/blackfridayspecials.htm

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Surprising Words, Depressing Numbers

SURPRISING WORDS: On Election Day 2008, the New Black Panther Party for Self Defense deployed its uniformed troops outside Philadelphia polling centers wielding billy clubs in a blatant show of voter intimidation. Anti-white racial insults were hurled at potential voters and one witness claimed one Black Panther said they were "tired of white supremacy." One of the last acts of the outgoing Bush administration was to file suit against the group and one of new Attorney General Eric Holder's first acts was to dismiss that suit.

Nevertheless, Holder claimed last Friday that the Justice Department's Civil Rights Division is the "conscience of our nation." That division deals with hate crimes and voting irregularities.

Once again it's apparent that so-called hate crimes have become a one-way street in which only whites can be guilty. It's also apparent that blacks can never be accused of voter intimidation, at least according to the mindset of the "conscience of our nation."

Other surprising words were voiced by Holder's boss on Monday on the "Today Show" when he reverted to Chicago gutter speak in an attempt to appear tough on dealing with the BP oil disaster in the Gulf.

Interviewed by Matt Lauer, the president said, "I don't sit around just talking to experts because this is a college seminar, we talk to these folks because they potentially have the best answers, so I know whose ass to kick."

Now I'm aware that using the A-word is not in the same category as using the F-word or, God forbid, the N-word and both G.W. Bush and Dick Cheney and John Kerry were caught using worse expletives but never on a nationally televised morning show. At least one TV host has had the nerve to take exception to Obama's language.

Becky Quick, co-host of CNBC's "Squawk Box," said of the president using the A-word on television during pre-school hours when kids are watching, "I think you choose your words more carefully when you are on the Today Show talking with Matt Lauer, yeah, that disturbs me. But I also think that this is a way of trying to prove that I'm mad, to do exactly what everybody's been pushing me to do, and it doesn't ring true:" http://tiny.cc/1w58s

Kudos to Ms. Quick for speaking the truth about Obama's phony, tough guy act which also calls into question his sense of presidential discretion.

DEPRESSING NUMBERS: Moreso in difficult economic times, teens try to work during the summer months to earn some extra money for gas, for dating purposes, and some to buy beer. Summer 2010 might find them grounded, alone and sober.

A CNBC article warns that sixteen to nineteen year olds are looking at the worse summer job market in 41 years.

Based on government employment data, an employment firm reports that a piddling 6,000 teens found jobs nationwide in the not-so-merry month of May while 9.7% of their elders were hitting the bricks. By way of comparison, 111,000 teens found jobs last May and 230,000 during the Bush economy heyday in 2006.

The report on this teen summer of employment discontent attributes the decline in youth jobs to the down economy and cutbacks, to college kids taking "high school positions," and to the recent phenomenon of retirees taking jobs previously filled by kids.

Many elders have returned to the workforce trying to make ends meet and "employers may prefer the older workers because they get a more experienced employee for their money:" http://tiny.cc/ml57j

More experienced plus more mature and more dependable.

Curiously, neither CNBC nor the employment company points out another obvious cause for the dearth of jobs for young people, illegal aliens who have taken those jobs. Estimates are that one in twenty workers in America is an illegal and that up to 12 million currently reside here.

Another point not referenced is the lack of job stimulation from Obama's $787 billion stimulus package

http://genelalor.com

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About Cyber Monday

Cyber Monday and Black Friday are promoted well in advance by the retailers. A big portion of retail business occurs between Turkey Day and Christmas. How the sales go during this time duration will solve the money making ability of the conglomerates. Some companies will not make it this period if they do not hit their sales quotas. Therefore, it is big for the public to be repeatedly made aware of these coming sale events. These two days, both online and offline have great sales (loss leaders), that are created to take people into the businesses. Once there the consumers will get other products counteracting the money suck on these specifically promoted items.

An case study is the Target offering of a 32" high definition television for under two hundred and fifty dollars. This is clearly an item created to drag consumers into the stores and cannot be purchased on the internet, therefore, it goes under the partition marked Black Friday. There are similar items meant for online people and marked for Cyber Monday.

The purchaser makes up about 70% of the economy and is greatly needed. It is not important to the companies whether the clients are overextended and in debt. They are still drawn to come out and shop or go on the world wide web and make purchases.

The American economy is pulled to the consumer making unnecessary purchases. Unless the businesses can rail back their desires and not smash the customer with big offers, the nations indebtedness will carry on. Even now, many buyers are holding off for prices to plummet more before locking in to buys. When this occurs the growth in consumer buys (since they were sold for too low a price), do not offer too much to the bottom line of companies during the holiday time.

Ross uses black Friday flyers and Cyber Monday ads.

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TAG : Black Friday Haul

First of all i had to work on black friday so no major hauling for me. (goood) AND YES, this is a TAG video. someone may have already started it but if so then i am not hurt by it whatsoever. i just wanted to create an opportunity to my viewers and show them the deals that are going on. although black friday is meant for a one day thing and maybe even just a couple of hours type of thing, some stores have a FRIDAY && SATURDAY sale. so take advantage of it! can't wait to see what you ladies/gentlemen got! post it as a video response! =] other than that enjoy what i got. comment, rate, subsribe! =]



http://www.youtube.com/watch?v=5q60RLBD9KM&hl=en

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Old Navy Gobblepalooza Black Friday

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THE HUNDREDS : LA WAREHOUSE SALE 2009

PEOPLE CAMPED OUT 2 DAYS BEFORE IN THE RAIN FOR THE HUNDREDS' ANNUAL WAREHOUSE SALE. AVERAGE WAIT IN LINE CLOCKED IN AT 7 HOURS. BUT SOMEHOW, EVERYBODY SAID IT WAS WELL WORTH IT. THE HUNDREDS IS HUGE.



http://www.youtube.com/watch?v=L6sFJ_-7Hb4&hl=en

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Mischievous Pleasures Black Friday SALE!

Underwear Sale!



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A Review of the Octagonal Poker Table

If you play poker on a regular basis then you may want to add a touch of the casino by leaving the dining table and getting a dedicated poker table. A good table is important to the game as it makes the players feel more professional. While there are several different shapes and styles of your table it is worth taking your time to find one that you like and that will last.

An octagonal poker table is good for giving a casino feel to your game. This style of table is ideal for eight players and each player has their own cup holder, ashtray holder and chip organizers. The chip organizers are a great idea because when you play without one it is all too easy for the chips to get knocked onto the floor.

Players feel more secure when they have their own defined space during a poker game as tempers can sometimes run high. The table is made of solid wood and comes in a variety of finishes, including mahogany, natural and oak. A good, steady table is less likely to go off balance if someone leans heavily on it when they are concentrating.

The table surface is upholstered and covered in green baize to match the covering in the chip organizers the table covering is also available in red or black if you prefer. This is a surface that is designed for good looks and durability and will see you through many a Friday night poker game.

The table is fifty two inches across and has a diameter of forty eight inches, which gives each player ample room when they are laying out their cards. The height of the table is twenty nine and a half inches. The home table is about half the size of the poker tables that are used in a casino, but it is professional looking enough to add some oomph to your regular poker game.

To ensure that the table is set up safely and the legs are secured with a 'Sur-Lok' folding mechanism, which means it won't collapse when you are in the middle of a serious game. You can get matching poker chairs to go with your poker table but these are optional.

The octagonal poker table is made by a respectable Wisconsin furniture manufacturer who has been in business since the nineteen fifties. The table is something that you and your poker buddies will enjoy using on a regular basis. Solid wood poker tables are not cheap to buy and if you were going to buy one for friendly games at home you may have to see it as an investment piece.

Learn more about the Octagon Poker Table and the Octagonal Poker Table from Brian Garvin & Jeff West at Poker Stars Direct.

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Beagle Puppies - Breed a Field Champion Hunter

The beagle breed has never ceased to fascinate me. I have always been amazed that a hunting beagle could track a cottontail rabbit by it's scent.There is something special about following two or three field champion caliber beagle hounds as they track there quarry. These runs are marked by accuracy on the line, accuracy giving tongue, and cooperation at the checks and during the run. That is why we many times hear someone say after watching a good run that "You could have thrown a blanket over them."

There are several traits that make a field champion beagle. The traits that can be bred into field trial caliber beagle puppies are these:

#1 An excellent nose

#2 A quick claiming and accurate tongue

#3 An intense desire to track, pursue game, and run all the line

#4 Intelligence

#5 A level disposition

#6 Independence

#7 The right degree of competitiveness

How do we identify these traits?

Certainly a dog must possess enough nose to stick to the run. A hound with enough nose will be able to track game in a variety of conditions and terrains for long periods of time. Nothing was more frustrating to me then when I had a hound that possessed almost everything but the nose. I would sometimes watch her at a check for up to 30 minutes only to have her die because she could not smell game anymore.

A quick claiming tongue is an indication of nose. My better nosed dogs had one thing in common - when they smelled scent they did not waste time telling you. Although tongue can be modified somewhat by over training or laying a hound up for a while, an accurate tongue is mostly genetic.

One way to spot an intense desire to track is believe it or not what is called a "cold nose." If a hound can smell and track an old line, you know it has a good nose, and you also know it has that intense desire to track. These hounds will not disappoint you at a tough check.

One way to spot intelligence is direction. My smarter hounds seemed to know which direction to head when they had scent. I remember one hound that I had that would never give up. He had an excellent nose and mouth, but he lacked intelligence and fumbled constantly at a check and on the line.

A level disposition is a must. This trait separates the great ones from the run of the mill. When you see it you can not miss it. This hound will not rush to believe another hound giving tongue at a check until he knows that that hound is on game. these dogs will never fight for the lead but fall in behind and honor a hound that has picked a check. They do not dance around, but are flat footed and smooth on the line. Hounds like these are a pleasure to watch. Many years ago I watched Fd. Ch. Omena Black Friday put his nose into a fresh squat, tremble with excitement, and with all four feet planted make a 1/4 turn while giving tongue and ease straight away on the line in full control. Fortunately he was able to pass on his disposition and the other traits mentioned above to his offspring and become a great producer.

Independence is another great trait. An independent hound will actually "turn loose" and let go of a wilder hound that is hurrying and missing pieces of the line so that he can run all the line accurately. He can not be so independent that he does not pay attention to good running mates, but he should only listen and hark in to his running mate when they begin to make progress on game. He never fights for the lead.

A hound does have to be somewhat competitive. The right degree of competitiveness allows the hound to stay in a good run without hurrying. These hounds also will not fight for the lead or out run their noses.

If a breeder can identify these traits in his breeding stock, he will be on the right track to breeding a field champion beagle. Buy the best bred bitch you can afford with as many of these traits as possible, and breed to a proven producer with these same traits, and you will be on your way to a successful breeding program.

Max Scholz has had the pleasure of owning four A.K.C field champions having bred three of them. He also used his beagles to hunt cottontails and fox. If you want to save money on gas and make money to support your field trial or hunting hobby, visit Max's site Serious Income Online [http://www.superfuelsaverplus.com], visit Max's marketing [http://www.superfuelsaverplus.com] website.

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hhgregg Black Friday Doorbuster Commercial

hhgregg opens at 4:00am this Friday for their annual After Thanksgiving Sale. Offers good while supplies last or through Saturday, November 28.



http://www.youtube.com/watch?v=kL2uSVLb4d0&hl=en

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Toshiba HD-A2 - Will the Toshiba HD-A2 Bring an End to the HD DVD vs Blu-Ray War

As the consumer market continues to gobble up new HDTV's and a higher percentage of homes have access to high definition tv, the desire for high definition content to display on these tvs will continue to grow as well. Consumers have many options to consider in the HD DVD vs Blu-ray war, including the Toshiba HD-A2 HD DVD player.

For those unfamiliar with the HD DVD vs Blu-ray war, there are two competing technologies that are vying for our hard earned electronics spending dollars. Similar to the VHS vs Beta wars of old, the two competing technologies are going all out to gain market share and become the sole survivor in their quest to be the next generation movie disc player and the successor to DVD.

Both formats offer six times the resolution of current DVDs along with improved audio capabilities such as Dolby TrueHD and DTS HD through HDMI for lossless digital audio for superior movie sound. The discs also offer a greatly expanded disc capacity among other benefits.

Enter the Toshiba HD-A2. Toshiba has made some bold moves at the end of 2007 in offering the Toshiba HD-A2 at mass market outlets such as Wal-mart. The prices for the players have dropped to around $200 and even some lucky buyers were able to take advantage of pre Black Friday sales at Wal-mart where the HD-A2 was on sale for under $100.

Toshiba's goals appear to be to try to turn the tide of the format war by flooding the market with high quality, affordable players in order to gain market share. As more and more consumers own Toshiba HD-A2 and other HD DVD players, they will put pressure on the movie studios to offer more HD DVD content and become more profitable for both the studios and the manufacturers.

It is important to point out that while Toshiba offers a variety of HD DVD player options and appears to be dominating sales of stand alone high definition players, the Sony PS3 includes a Blu-ray player in it and has sold millions.

So will the Toshiba HD-A2 and it's affordable, high quality player turn the tide of the HD DVD vs Blu-ray format war? Let's face it, while price is certainly a strong driving force in winning the war, the availability of content is just as important. Blu-ray currently has a bit of an edge in the studios that they have offering exclusive content to them.

Now is a great time to come on board with a next generation DVD player. The Toshiba HD-A2 is a logical player to consider due to it's recent price drop. The video and audio quality offered by these players will blow you away and give you something to proudly show off on your brand new flat screen HDTV.

Check out the Family Home Theater Guide for a complete review of the Toshiba HD-A2 HD DVD player and for more information about HD DVD vs Blu-ray.

The Family Home Theater Guide at http://familyhometheaterguide.com is an informative guide to home theater, with a particular emphasis on family entertainment. Jared has a wife and three children that love to experience the magic of the big screen in the comfort of their own home.

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Black Friday lucky for some as cows hit $1140 at Euroa, Vic

Renowned breeders' lines of autumn calving females met encouraging demand, selling to a top of $1140 a head at the Euroa Black Friday female sale. As seen on www.farmonline.com.au From agricultural news, weather, classifieds and market reports to properties for sale, job vacancies and rural events, farmonline has it covered.



http://www.youtube.com/watch?v=jgLlemqGx6E&hl=en

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THANKSGIVING SALE (www.classyplussizediva.com)

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HD DVD Vs Bluray - Buy HD DVD

For some time now the hot news in the technology market has been HD DVD movies. Everyone is speculating which format will win, Blu-ray or HD DVD. It is like the vhs vs beta max debate of the 80's. The Blu-ray format is made by Sony and is incorporated into the new PS3, so they have an advantage there. HD DVD is made by Toshiba, and is much cheaper than Blu-ray. I believe that this will ultimately make the HD DVD the standard for high definition movies.

Many stores are dropping the prices on the Toshiba HD DVD for the holidays, and while some are just having black Friday sales on them many stores such as Wal-mart are dropping the price permanently. The trend is to drop the price right under $200, which is a very good price for technology this new. Because of the big difference in price between the two formats, I believe that after the holidays the HD DVD will slowly pull away from Blu-ray in sales. Once a lot of the players have sold on black Friday and other holiday promotions, people will begin to buy the movies in that format, which will be the deciding factor ultimately. The more movies that are bought in one format or the other, the better the chance that that format will win the battle.

So watch for these sales near you, as they will probably be selling out quickly, and I would stay away from wasting money on a Blu-ray player unless you are buying the PS3, in which case the price isn't that bad for what you get. Also, for those interested in stocks, watch for Toshiba. I'm not a big stock person, but I think there is a good chance that the Toshiba stock will take off during and right after the holiday shopping season. Also, if you are watching for a good deal on these keep your eye on Ebay, Amazon, Overstock, and other discount websites. You can sometimes get some great deals on these websites. Also, watch for coupons and promotional coupons from office depot, best buy, and other major retailers. Especially this time of year you can get some really good deals if you are willing to shop around a little bit.

Check out my blog for some great tips for saving money, ESPECIALLY for college students!

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Which GPS Brand Should I Buy?

The Black Friday/Cyber Monday shopping results are in and this year held no surprises as to which GPS brands remain at the top. The market remains dominated by three major brand names. If you're looking to get a new GPS device anytime soon, you may want to consider who's leading the pack. Once again, Garmin, TomTom and Magellan came out on top with a combined total of 95% of the GPS sales.

Why does that matter? It's not that the "lesser" brands are bad devices, some of them are impressive. In fact, there are several up and coming brands that are sure to be making an impact on the market soon. The numbers matter because of companies like CoolRVToyz.com, who produce enhanced products for GPS units. Their main product is a database of campgrounds, camping sites and RV parks that you download into your GPS as a Points-of-Interest (POI) list.

Unfortunately, there is no "standard" for producing add-on information to GPS devices in the form of POI data. This means each GPS brand must be developed separately. When companies develop these POI accessory products for GPS devices, they often can't afford to focus their resources on the smaller segments of the market. It's just good marketing strategy to put their resources into the majority of the market ... in this case that 95% represented by the three major brands.

So, as a consumer looking to purchase a new GPS, this is a big consideration. Sooner or later you may want additional POI's for your GPS. Your selection will be much larger if your GPS is one of the brands with the larger market share.

Happy RV'ing ...

Phil King

Phil & Karen King are full time RV'ers. They travel 12 months a year and have extensive RV'ing experience. They are the founders of CoolRVToyz, a web site dedicated to bringing the latest, and coolest gadgets to the RV lifestyle, including The Ultimate RV Parks List [http://www.coolrvtoyz.com/content/ultimate-rv-parks-campgrounds-directory] & Campgrounds Directory, the largest, most accurate and most complete camping Campgrounds Directory available. Best of all, it's fully downloadable into your favorite GPS or trip planning program.

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The Hypnotherapy Business: Build your Practice for Success

Being a Hypnotherapist is just part of it... In order to be successful we have to be business people too. Just yesterday I heard of another talented Hypnotherapist closing shop as his business was going nowhere - and fast. This is all too familiar and is a massive problem. It is not that there are not enough people wanting Hypnotherapy it is just that sometimes Hypnotherapists don't know how to go out there and grab those potential clients. I personally blame certain training institutes for this and believe that they should see it as there responsibly to train their students in the day to day running of a successful Hypnotherapy practice and marketing.

If you are a Hypnotherapist, then here are some tips to build your business! I hope that you find them useful and put them in to practice and get some great results.

1. Get a professional looking website. You can get this extremely cheaply if you outsource the project to a freelancer in another country. There are websites that will help you find the right designer. Your budget for this could be as low as $50-$100.

2. Having a website is good, however if no one ever visits then it isn't going to do you much good. If you are in Detroit for example then you would want your site to come up n Google for search terms like 'Hypnosis in Detroit' or 'Hypnotherapy in Detroit'. You can simply do this by getting more inbound text links. There are services that you can use to do this for you very cheaply or you can use tip number three to do it.

3. Write articles. Now this is simple, however you have to get in the routine. Right now I am writing this article and it is promoting my business - each article that I write links back to my site. Look at the author resource box at the bottom of this article. See that it has words that are linked back to my sites. Well these are inbound text links and these will push my listings up in Google for the term that I have used to link back with. So again, if you where in Detroit then you would link with the term 'Hypnotherapy in Detroit'. It is that simple. I do one article per day, Monday to Friday. Get in to a routine - even if it is just one a week to start with and you will soon see your site up there on Google. It is very important that you submit your article then to other websites so that it links back to yours. I use a company called Isnare to do this for me. You can find them by searching for them on Google. You can also submit it too HypnotherapistFinder.com.

Well I hope that you have enjoyed these tips and find them useful.

You can find out more about Richard MacKenzie and Hypnosis at his site. He is also the author of Self-Change Hypnosis.

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JCPenney Black Friday sale ad - 2005

For the After-Thanksgiving Sale, JCPenney opened at 5 and had doorbuster specials till noon. This ad ties in with the retailer's Christmas image campaign, which featured square shapes and the Electric Light Orchestra song "Livin' Thing."



http://www.youtube.com/watch?v=4TOi1bkPykc&hl=en

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Black Friday Sales 2009 Walmart MP3 Players

www.ChristmasBargainSecrets.com Black Friday Sales 2009 Walmart MP3 Players. The secrets that major retailers are keeping from you about 2009 Black Friday sales are costing you hundreds or even thousands of dollars. Save money on Apple iPod Touch, Ipod Nano, Ipod Classic, Ipod Shuffle,...



http://www.youtube.com/watch?v=zd4JDIpnDbI&hl=en

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Target line pre-dawn on Black Friday

video uploaded from my mobile phone on black friday at Target in Winston-Salem NC



http://www.youtube.com/watch?v=T_nVUcoKdvk&hl=en

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Christmas Shopping Ideas - Making an Early Start

As Christmas approaches every year many of us say "next year is going to be different; I'm starting my shopping earlier." Maybe this will be the year those of us who find themselves at the mall at the last minute on Christmas Eve will keep that promise.

In some areas of the country radio stations begin playing Christmas music long before Thanksgiving. Some have even wondered if we will hear carols before Halloween. I don't know about you but I would find hearing Christmas songs around Halloween a little bit weird, if not downright creepy.

Shopping, like Santa Claus, seems to be synonymous with Christmas. Now Santa certainly has to have a strategy to get all his gifts ready by Christmas Eve, but he doesn't seem inclined to share his plan. We know that he must be very organized to accomplish his yearly mission so maybe we can use that hint for our shopping this year.

Santa is not the only one who has a strategy for getting gifts together, so do retailers. They always hope that the upcoming Christmas sales will be huge. Their strategy is to get customers into their stores and to do so they advertise big time with such enticements as: pre-Christmas markdowns, early bird and night owl specials. Some stores feature rub off tickets, like those used in the lottery, for further markdowns.

Retailers advertise so much during the Christmas season because this is their big sales time each year. It is well-known that the sales generated from the day after Thanksgiving, known as Black Friday, until Christmas accounts for at least half - with some estimates of up to seventy per cent of retailers' annual revenue.

Now that I think about it the radio stations playing Christmas music earlier and earlier just may be another strategy retailers use. Think about it: when you start hearing carols you automatically think Christmas and gifts. Maybe the early shopper is one who acts when hearing these songs and begins shopping. I would call this person a savvy shopper.

There are two big sales periods during the early fall: Columbus Day and Veterans Day. For the early shopper these can be huge. The secret here is to have a gift list made and have already browsed the stores for those items before the sales. Knowing pre-sale prices lets the shopper know if the items are really marked down and if so by how much. If you already know that a particular item is a very popular one, you run the possibility of not being able to find it if you wait until late in the season before buying it.

As you know, there are always two sides to an issue and the downside to shopping early is that some retailers, particularly those whose primary business is toys, often wait until the official kick- off of the Christmas season, Black Friday, to place new or very popular older items, in the store.

Or you may experience what a friend of mine who shops early frequently does: she shops all year and hides her stash in a spare closet. Often in the rush of wrapping gifts she forgets about her early purchases and doesn't find them until she begins shopping and stashing the next year. I kid her and say soon she won't have to go out to shop, she can just select gifts from her stash.

Even with this knowledge, early shopping for those gifts that aren't in this category would still be a good idea if you are tired of the hurly burly if last minute shopping.

Toy makers and manufacturers of electronics manage to come up with a few new or improved items each year that are absolute "must haves" or your Christmas just won't be complete. These also always tend to be somewhat expensive and in limited in supply. To take advantage of this situation savvy retailers offer these items as specials to get shoppers into their stores. I know of people who leave the table as soon as the pumpkin pie is finished to camp out in parking lots of retailers to try to be the first in the store for those specials. Couples split and go to different stores so they can improve their chances of getting the "item(s) of the year."

The after Christmas sales are great for those who want to really get an early start on the next season. An aunt of mine is a huge catalog shopper and she buys many of her Christmas gifts in January-not as late presents but getting ready for the next year.

However you choose to shop, I hope you do so with joy in your heart!

Betsy R. Mclean loves Christmas and everything about it. She loves decorating the tree and house, buying those special presents for loved ones and friends and stitching throughout the year on needlework projects that celebrate Christmas. Visit her sites. Christmas is coming

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Black Friday Myths Exposed

Only a few days until Black Friday and the excitement is building rapidly. We've already seen some of the merchant deals and can say with confidence that consumers are going to be in for a treat as retailers compete for your dollars in this economy.

Below we expose the Top 5 Black Friday Myths so consumers like you can get your hands on the best deals of the year.

1. The Deals Are Mainly Hype: If you've been thinking about buying a specific item in the next 6 months, this is absolutely the time to do it. We monitor prices every day and can tell you that you will not see many of these items priced equal to or lower for the next 10 months. If in doubt, buy it. You can always return some of the items later that you don't want. In this case, patience is not a virtue.

2. All the Deals Are Gone Within an Hour: Many of the biggest deals do have extremely limited quantities. However, there are so many great deals to choose from that many last until Cyber Monday, when another slew of deals from merchants appear.

3. You Need to Wait In Line: This myth was true 5 years ago but the online channel has grown so large today that last year we saw that 95% of the in store deals were also available online. So while others are waiting outside in the cold, you'll be warm, cozy, and happy knowing that your amazing flat screen TV is on its way.

4. The Deals Are Cheaper In-Store: Rarely is this true. Driving to the store expends gas and most stores are offering free shipping during this time. Even if stores like Best Buy and Circuit City don't have the particular product deal online, chances are another online merchant will have a similarly priced deal. As a bonus, if the online merchant doesn't have physical operations in your state you could save on upfront sales tax - significant on large ticket items.

5. Black Friday Sales Begin on Friday after Thanksgiving: Despite the Black Friday name, most of the deals actually begin online in the early morning on Thursday.

Yung Trang leads the team behind, one of the most visited online shopping deal sites. Techbargains has been featured in the Chicago Tribune, PC World, and the Wall Street Journal. The site was founded in 1999 and is best known for the quality and breadth of its Dell Coupons, Newegg Coupons, and Staples Coupons.

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Friday the 13th Promo Video

Black Carpet Entertainment presents DJ Dean and Black Ice World Entertainment at OC's new craziest night club which is moving to El Adobe in San Juan Capistrano!!! The event is from 8:30pm to 1:00am . The club will NOT be shut down under any circumstances. DJ Dean is spinning in the center of the dance floor. Get there early lines will get big. Tickets: $15 pre-sale and before 10pm and $20 after 10pm Ages: 18+ to get in and 21+ to drink Sponsored by: MONSTER ENERGY DRINK!!! VIP limos available!!call Spencer Wampole (949)466-8593



http://www.youtube.com/watch?v=7M_gY1V4bCQ&hl=en

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Black Friday Deals

On Black Friday, I woke up at 3:00 AM so I could leave at 4:00 AM and stand in line at Best Buy and get things for my dad, one of my dad's customers, my mom, and myself. At 5:50, I ran over to Staples to get still more things for my dad and mom. This is the stuff I bought. Not mentioned in the video is an HD camcorder I got for my mother and brother to share. Enjoy!



http://www.youtube.com/watch?v=1JVgChkZFno&hl=en

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How the Ascension is Effecting Non Integrity

Before I get into what is going on with Tiger, Toyota, the Bankers, and British Petroleum, a little filler information is appropriate.

As you may or may not know, the the Earth is undergoing an ascension process. Meaning on this world, we have finished playing one game, the game of forgetting who we are, and we are going to play another game, the game of remembering who we are.

In the game we played for the last 13,000 years we have:

forgotten who we truly are

forgotten where we come from

forgotten that we are all connected

forgotten that there is one creator

Disregarded what the creator asked us not to do.

Like he asked us not to kill for example and presently, killing is a common professional occupation, legal and tax deductible. People graduate from collage and become professional killers. We are even encouraged to support the people who choose to do it. In fact we dedicate most of our tax dollars to support this killing. All we needed was a good excuse. And money was as good of an excuse as any. This can be considered being out of integrity.

Now as the old game is over we are waking up and remembering. This remembering is facilitated and accompanied by a little divine help which is in the form of waves of energy that are stripping away all that is out of integrity. This has to happen because anything out of integrity can not exist where we are headed.

In the times to come, past 2012 and beyond, the energy or vibratory resonance of the Earth will be raised so that it can support the new children coming in or incarnating. These are new souls who could not exist at our current vibration, but as the Earths vibration continues to rise during the ascension, they will be.

Tiger Woods:

Well he was a famous figure doing what many wealthy people are doing, lying and cheating big time. So his integrity issues were brought to light. I want to point out though that Tiger is an amazing spirit that chose to be the famous figure that reflected this type of action to us, so in a way he is providing a service to all of us and for that he should be commended, but that's from my POV.

Toyota:

Well, I guess we have too many cars on the road or something. Who knows. But what's clear is Toyota used to be the symbol for "customer Service" remember? They brought that guy over to train them how to put the customer first and it was a big success. I guess they no longer put the customer first. Funny how they can't seem to figure out what is going on with their cars computers. Its like there was a divine intervention or something.:-) last I checked, Toyota still has no idea why this is happening. I do know this, on the days after Toyota was embarrassed in front of congress and the huge media scandal, they were advertising sales on the same cars. And get this, people were buying them. I saw it with my own eyes. So I guess Toyota's integrity can be summed up in the fact that they are still trying to sell cars when they have no idea what is wrong with them.

The Bankers:

Where do you start? Banking on this planet is simply a big pansy scheme. It all originates at the federal reserves. The federal reserves is about as federal as Federal Express. It is a private organization. About 90% of the planet is not aware of that. A private corporation that lends money to the good old USA. Its America's ATM that charges us interest on all those trillions they lend. Now there is information you will never hear on CNN.

The reserve gets an order for dollars from our real government. They in turn enter that amount into a computer and by doing so create money. They then authorize our mint to print that amount. Money is printed after its put on the federal reserves books. Now here is the onion. After they create and authorize the new money, they are allowed, according to the banking laws that they wrote, to then lend that money out multiplied by 9. And each bank in turn gets to borrow from them and then they can also lend out 9 times what they borrow. Research it yourself. I do not want to spoil the surprise ending for you when you see who is behind this corporation. Who gets the money. They are out of integrity.

British Petroleum:

From my point of view they are at the top of the food chain, hence the term British, in the oil scheme that has been going on for the last hundred years or so. We are lied to, schemed and forced to use an out dated mode of energy that we have had the technology to replace years ago. All so a few greedy people/cartels/groups/corporations can have ATM machines that dispense gold. Exxon mobile who is not even the top player in this game makes about 120 billion in profits a year. They are out of integrity and now as easy as they took the money, they have to give it back.

Conclusion:

Now you can see that Tiger, Toyota, The Bankers and British Petroleum are being brought back into integrity. Think of it as someone turning on the lights in a roach infested kitchen. Anyone with eyes will be able to see if they have roaches, how many roaches, where the roaches are and they can address the situation appropriately. The energies of the ascension is bringing all our dirty laundry into plain sight for all to see. Anything out of integrity, any lies, any fraud, any cheating, any corruption, any greed or disrespect of any other persons will have to stop.

As we awaken and head to 2012, you will see many and massive changes. The world on 12-21-2012 will be greatly different than it is today, and I'm talking much more exciting, surprising, amazing, changes than the one change that has already happened, like a black president for the United States of America. If you think that is a huge change, wait until you see what is coming. I'm getting goose pimples just thinking about it.

Predictions to look for:

New Children refusing to fight wars like we did. In 20 years war will cease on this planet.

Dick Chaney's activities will come to light. You will be amazed at what all is revealed.

Huge revelations about the secret activities of our worlds Intelligence services like CIA and MI-12

Major Governments will admit to knowing about UFO's.

UFO's being seen by many. (As early as 2010. By 2017 everyone will believe)

History of Earth will be revealed to all. Specifically the Atlantean and UFO origin.

All humans will remember their spirit connection.

Many people passing away due to new energies. It will become more obvious.

People will become more loving and work together more for the good of all.

We will make huge strides in free energy. No more utility bills.(why do we charge ourselves for electricity and water? in a free society?)

Many things will be free.

We will replace the old systems with new systems that support the whole and not just a few

The new golden age on Earth will arrive. Love will be the new Democrat & Truth the new Republican.

Norman Bird is a writer and student of Metaphysics, Alchemy, Creation and Consciousness. He is the owner of http://www.CreationIsLove.com. You can subscribe at his blog & receive all his articles.

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Video Blog 6: Black Friday at Sanrio

http://www.youtube.com/watch?v=BHKgG5iXfus&hl=en

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Swan Valley Ranch 10th Annual "Made in the Valley" Bull Sale - March 19, 2010

Sale is happening Friday, March 19, 1:00 pm at Valley Livestock Sales, Minitonas, Manitoba. Contact Scott Tibble at 204-539-2570 or 204-734-0210 (cell) or email shranch@xplornet.com, Box 2471 Swan River, MB R0L 1Z0. Also check out www.hartsauctions.ca. Selling All Polled Red & Black Simmental, Red & Black Angus, Best Cross Sim/Angus, Fall-born & 2 year old Bulls, Calving Ease & Performance. No Bulls sold prior to sale, selected from over 200 cows. All bulls will have a complete exam and semen evaluation completed by Dr. Keith Immerkar, Swan Valley Vet Clinic. Sight unseen purchase program. Guest Consignors: Park-Dale (Simmental) and Jason Mullin (Simmental).



http://www.youtube.com/watch?v=leF6JXMAjeY&hl=en

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Lost Leaders Create a Lost Sales Belief For Service Professionals, Small Business Owners & SOHO

Many service professionals, small business owners and SOHO especially consultants and executive coaches engage in the marketing practice of lost leaders. This marketing strategy is to attract people to them with the belief that give them something free and they will buy. Unfortunately, the reality is unless the person receiving this "freebie" is a qualified potential customer (a.k.a. prospect) the likelihood of a sale is almost as far away as without the free offer. Sales Coaching Tip: Build it and they will come is not a viable strategy to increase sales.

Lost leaders can be seen in many retail stores from grocery to clothing to even restaurants. There are even some specific days such as Black Friday where the premise is all about giving something away at below cost.

The essential problem with this marketing strategy is that is creates a lost sale belief. If, I as a sales professional believe my service is a lost leader, then why should I be surprised when I do not earn the sale. Sales Coaching Tip: You receive what you believe.

For those who engage in this practice, a better way to think internally which is always reflected consciously or subconsciously externally is delayed billing. Yes you will give this individual something free that is value added laden. However, upon completion of whatever the free offering is, this person will become a client and thus you are only delaying the billing for your services.

Let me share with you one example in case you are confused. Many executive coaches and even some consultants provide a free coaching or consulting session. Some of these folks may actually throw in an assessment to sweeten the offer. This assessment may actually cost them some hard cash usually under $25. The conscious belief is so what it is just $20 bucks and I spend that on lunch while the unconscious belief is No big deal if I do not get the sale. This unconscious belief I believe is the sales killer because you as the salesperson are broadcasting this without even knowing it.

When you adopt the delayed billing belief, you are now broadcasting subconsciously to the other person that you believe he or she is a potential client. Your body language is now in congruency with that belief as is your verbal communications.

Within the education based marketing approach, lost leaders are one proven strategy provided the free offering has incredible value and is being offered to a potentially qualified customer. If you are engaged in this strategy, then stop thinking lost leaders and begin to think delayed billing and realize your goal to increase sales.

Are the sales behaviors of your team or even yourself where you want them to be? If not, then you may discover an easy read on how to increase sales in this book, Be the Red Jacket in the Sea of Gray Suits, the Keys to Unlocking Sales Success including looking at your individual behaviors.

Free sales skills assessment by Chicago Sales Coach Leanne Hoagland-Smith who helps with sales coaching, leadership to sales management development.

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3 Recession-Busting Ways of Making Money Online

Writing Jobs Online

Everyone could stand to make extra money, but fitting the work into our already busy schedules is where the problem comes in. Finding writing jobs is easy using one of many only job board sites, like Elance.com, Guru.com, or Freelancehomewriters.com.

These sites allow people who need work done to post information about it, then writers or other providers bid a price and completion date. Both the chosen party and the client accept business terms, before the project is started. The projects on these sites range from smaller, hour-long projects to larger on-going projects.

It is easy to break into getting jobs this way if you lower your prices initially and provide good, relevant samples. You can work on the projects on your own time as long as deadlines are met. These sites also host administrative jobs in the same manner. They are great for the young entrepreneur, college student, or active mature person.

Selling Merchandise

Selling merchandise on websites like Ebay.com or Amazon.com is another way to make money on your own time. People buy products at low prices, then sell them for profit on these sites. To find products at great low prices, buy when items are on sale, like on Black Friday, or buy in bulk.

The only thing you have to worry about is making sure items are sent in time and regulating payment. This is good for anyone who has the time to search for the items and stand in line when they are on sale.

Online Tutoring

There are numerous sites online where anyone with knowledge in an academic area can be paid to help others learn. You as a tutor will have to designate a few hours weekly to helping the student, but it is very worthwhile. This skill is very much in demand and its popularity is ever-growing. The fees tutors charge usually vary with their level of experience as a tutor, education level, and how often they are available.

The Internet is a great place to find work. It is very-widely used and thus provides great exposure for anyone willing to put work into providing a service. Almost seventy-five percent of Americans have internet access. It is the go-to place for questions, research, and services. Capitalizing on this is a great move!

Check out Terry's review site of used golf drivers at http://UsedGolfDrivers.org.

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Pre-Black Friday Sale!

www.senzigs.com $200 in Senzig's Cash to the first 200 Shoppers. Receive FREE Delivery, Set-up, & Removal Anywhere within 75 miles of Senzig's. At Wisconsin's Furniture GIANT, Senzig's in Shawano, WI.



http://www.youtube.com/watch?v=DOJmYNiZZR4&hl=en

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Flannel Shirts - Plaid is Bad? - Is There a Solid Contender?

Has the casual wear icon, the plaid flannel shirt, left the fashion stage again? Not by a long shot. The traditional favorite is anything but dead this winter. One only needs to turn on the Olympics to be reminded of the elevated status of the bold and colorful, old friend.

The USA's snowboard team led by the incomparable and enthusiastic Shaun White is a perfect example. The team wore a uniform during the men's and women's halfpipe competition designed by Burton to be the Gore-Tex equivalent of the quintessential piece of Americana... A bright plaid in red, white and blue cut in the bulky style of a flannel lumberjack or board shirt.

But despite the continuing popularity of the high voltage version, an undercurrent of interest is placing value on the standard flannel shirt with a few fashion adjustments. The go-to, warm and comfy shirt is showing up in simple, solid colors and fitted instead of the usual lumberjack mass. Sales have been brisk of this more subtle contender. It appears that the wardrobe of the casual is making room for a new, more classy alternative.

The shift seems to be more urban than rural and clearly involves the continuing interest in comfortable, casual, interchangeable, separates chosen with an eye toward style. The solid colors offer the benefit of a much more easily matched outfit, and the slightly more fitted cut leaves its wearer ready to layer either above or below.

In the opinion of the author, however, it could just as much be about ease of use! Flannel shirts in medium to heavy weight fabric are so versatile that they are equally good for class on Monday as they are for a date on Friday... just as pleasant under a jacket in winter as with sleeves rolled up on a summer's eve. So while there is no end in sight for the popularity of the classic plaid flannel shirt there is clearly a growing demand for a variety of cozy outerwear a touch more subdued than its criss-crossed and crazy cousin.

D. Scott Campbell is owner and proprietor of http://www.FlannelPlanet.com

Example: Flannel Shirts in Solid Colors.

Shaun White Taking Gold

Burton's Uniform for the US Snowboard Team

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Bed Bath and Beyond Coupons to Help Improve Your Home

Many will agree that we always feel pressured and having different forms of anxieties in our work and in the thousand of chores that we do at home. As time goes by, we get attuned to the rhythm of rushing things and complying with the demands of the city life. Above all the panics and irritations, we are able to adjust to the ever-changing times.         

Life should not be all work or it will turn out to be very dull. Health experts and enthusiasts are suggesting that in a day there should be some de-stressing exercises to loosen up an overloaded schedule. Planning your day is a great help with a list of targets to finish before the sun sets. Drinking at least 10 glasses of water or more may help you rejuvenate your body systems. Eating balanced diet helps you eliminate some free radicals stored in your tensed muscles. Never skip a meal to simply finish a deadline. Always keep in mind the adage, "health is wealth."

Meanwhile, if you are seeking visual comfort in your room, office or working area, it must be pleasant and comfortable. When retiring at work, you need to relax and have a good sleep. One of the options to take to get the full comfort of relaxing is to have a very conducive place to energize. If you are searching a merchandiser that offers good discounts when purchasing items for your bedroom, bathroom, kitchen or dining room, you can have Bed Bath and Beyond Coupons. Comfort need not to be always that expensive. With your coupons at Bed Bath and Beyond, you can have an affordable and reasonably priced pieces of equipment in your home or workplace.

Jonathan Lea is a part time writer for http://www.greenmediaconcepts.com

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How to See Bold Stars in the Philippines

A lot of celebrities hang out in different malls here in Manila and Makati. Because most celebrities are living up North, a lot of hot spots like clubs and bars, and upscale hangout places like Eastwood in Libis and Bonifacio High Street in Taguig are popping up like mushrooms on a rainy day.

In the city, the most usual place you can spot a celebrity is in the mall. Malls that celebrities usually hang out in are SM The Block, SM Mall of Asia, SM Megamall, TriNoma, SM North Edsa, Robinson's Galleria, and Robinson's Place Ermita. Usually they like these malls because these are more upscale, a lot bigger, and have a lot more choices from food to fashion to entertainment.

But during summer, celebrities leave the city life to go to the province and enjoy nature. Of course, the most common destination for the summer for celebrities and non-celebrities alike is Boracay. The white sand beaches, lots of hotels and restaurants, and different souvenir shops are what attract celebrities to go back to Boracay every summer.

But those who opt for a quieter summer are starting to go to destinations that are not that famous yet. Potipot Island in Zambales, Maribago Beach in Cebu, Laiya in Batangas, are just some of the few amazing spots to go to without subjecting yourself to the crowded and noisy beach resorts that people usually go to.

You can also spot Philippine celebrities during their show's tapings. Usually, they do it early in the morning and late in the evening to avoid too much crowd, so you might want to watch out for the locations of the TV soap operas today.

For more information on Philippine bold stars, just click on the link.

My name is Robin and I'm a full time writer for http://www.pinaycelebrities.org

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How Modern Portfolio Theory is a Secret Plot of the IRS

I hope I don't die in a mysterious accident for revealing this secret -- but I'm convinced that Harry Markowitz, whose work forms the foundation for Modern Portfolio Theory, was an undercover agent of the IRS.

Markowitz published the widely influential paper "Portfolio Selection" in the March 1952 issue of the Journal of Finance. This laid the foundation for what is now called Modern Portfolio Theory. He was the first to point out that a portfolio's risk could be reduced by including different types of assets, because different assets go up and down separately from each other.

Over time, Markowitz's ideas were incorporated into what's called asset allocation. This is a portfolio management technique where money is divided into separate types of assets, to take advantage of how their market prices could go up or down independently of each other.

Therefore, a portfolio consisting of both stocks and bonds was less volatile overall than a portfolio of either one or the other. Although diversification is not asset allocation itself, asset allocation is a plan for portfolio management which uses diversification to reduce risk.

The more types of assets, the less overall portfolio risk. Therefore, many asset allocation portfolios are very sophisticated combinations of equities, bonds, real estate investment trusts, stocks in many different sectors, of many differently sized companies, from many other countries, commodities, gold, Treasury bonds, corporate bonds, municipal bonds . . . and so on.

By now you're wondering how this makes Markowitz an undercover tool of the IRS. That's because of another aspect of asset allocation called rebalancing.

When a portfolio manager implements asset allocation, they split the money up into certain percentages of stocks, bonds, and the rest. Let's keep it simple, and say half bonds, half stocks.

Over time, these percentages will change. If stocks are in a bull market but bonds are going down, at the end of a year the portfolio might be 60% stocks, 40% bonds.

Since this combination does not optimize portfolio return for the degree of risk involved, the portfolio manager must sell some stocks and use the proceeds to buy some bonds. Then the overall portfolio will again be 50% stocks, 50% bonds.

The rebalancing aspect of asset allocation/Modern Portfolio Theory is why the IRS secretly awarded Markowitz its Medal of Honor.

Selling off securities that have appreciated in price means that you are realizing capital gains. That's a taxable event. Sell stocks or bonds that have gone up in price, and you owe the IRS more money at the end of the year.

To appreciate the IRS's debt to Markowitz, you have to think about the financial world in the early 1950s. It was nothing like today.

First of all, everybody old enough to buy stocks remembered 1929's Black Friday or at least its aftermath, The Great Depression that lasted until the U.S. entered World War 2 in 1942. Many Americans were still afraid to put their cash into banks, thanks to the bank failures of the 1930s. They sure weren't about to risk it in the stock market.

Those Americans who did own stocks, usually bought the shares of famous companies paying dividends, then held onto those shares, collecting dividends, until doomsday.

The average daily volume on the New York Stock Exchange was under 2 million shares traded. The Dow Jones Industrial Average in June 1952 when Markowitz's paper appeared was 280, still down about 25% from its 1929 high.

People just didn't have a speculative, buy and sell higher mentality. The last time that kind of mania hit Wall Street was the 1920s, and everybody remembered how that ended.

So those years were not a good period for the federal government collecting capital gains taxes from stock market investors. Investors bought and held . . . and held . . . and held. They didn't sell unless they had a desperate need for the money.

No sale of stock, no realization of capital gains, so no capital gains taxes due. The IRS understood that they had to convince Americans to buy and sell more shares of stocks.

Enter Markowitz and his paper, the eventual consequence of which was to establish the gospel of asset allocation and rebalancing. Instead of holding onto their stocks and bonds for dear life, and simply paying taxes on the interest and dividends they received, investors began to sell off a portion of their assets which had risen most in price.

Therefore, they realized capital gains, and therefore became liable for paying capital gains taxes. Some people do this once a year, but some actually perform this ritual quarterly.

Brokers also love rebalancing, because it also increases transaction costs -- that is, broker fees.

Nobody is telling the average investor that the large, professionally managed funds (pension funds, trust funds, endowment funds, and so on) whose asset allocation management techniques they are imitating are exempt from capital gains taxes. That means, they can chase after winning stocks without penalty, and sell their disappointments without penalty.

You and I have to pay capital gains taxes.

Everybody but lawyers has figured out that I'm exagerating about the "undercover IRS agent" part -- but not the effect of rebalancing on the check you have to write to the IRS in next April.

The next time your broker or financial planner advises you to rebalance your portfolio, remember this: rebalancing may not be a "secret plot" by the IRS, but it still enables the IRS to collect more money out of your pocket book.

Copyright 2007 by Richard Stooker

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