Homeowners Insurance Policies Explained.

Tim Gorman

Shopping for home insurance can be a real pain if you don't know what you're looking for and it can also end up costing you more money then it should. For starters you need to make sure you purchase the right insurance coverage for you particular situation. Making sure you have the correct protection to adequately cover your needs is important. Don't forget about special provisions for high-dollar items such as jewelry, your computer equipment and other possessions. Do you live in an earthquake region or flood zone? If so you might also need additional home insurance coverage for those special circumstances.
Moneylenders such as banks or online loan lenders usually require mortgage customers to purchase homeowners insurance. Don't rely on the coverage levels mandated by your bank or mortgage company. Those levels are designed to protect the house itself, but not necessarily your possessions. You can always trust your insurance agent to inform you what the correct coverage is for you.
Homeowners Insurance Policies - There are several basic types of home insurance policies:
HO-1 - Basic homeowners policy which covers your house and possessions against 11 different perils.
HO-2 - Broad homeowners policy which offers coverage on your house and contents against 17 perils, with premiums running about 5 percent to 10 percent more than an HO-1 policy.
HO-3 - Special homeowners policy, which covers all perils, except those specifically excluded by the policy. Costs 10 percent to 15 percent more than an HO-1 policy.
HO-4 - Renters policy, which is of course for renters and covers 17 named perils and includes liability coverage. It does not insure the dwelling itself.
HO-5 - Extensive homeowners policy, which covers damage from practically everything except earthquakes, wars and floods.

HO-6 - Designed for owners of co-ops or condominiums this policy provides personal property coverage, liability coverage and specific coverage of improvements to the owner's unit. Insurance provided by the owner's association normally covers most of the actual structure.
HO-8 - Home insurance policy for older homes that covers the same perils as HO-1 but pays only for repair costs or actual cash value, since replacement cost could make the policy costly.
You will find that all of the above home insurance policies are the norm except for in Texas, where three types of additional policies can be purchased. They include:
HO-A - Covers your home and possessions against named perils only, for actual cash value.
HO-B - Covers the dwelling for all perils unless excluded against all risks and contents against named perils. The house is covered for replacement cost up to policy limits, while contents are covered for actual cash value unless you buy additional replacement cost coverage.
HO-C - Covers house and contents against all risks not specifically excluded by the policy. Again, the house is insured for replacement cost up to policy limits, while contents are covered for actual cash value unless you buy additional coverage.


Timothy Gorman is a successful Webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers free money saving auto, home, health and life insurance quotes that you can research in your pajamas on his website.

Art Deco and Its Enduring Popularity
Rosana Hart

Elegance and geometrical shapes are among the hallmarks of many of the art deco objects which are still popular today. The art deco movement was at its height during the years between World War I and World War II, roughly 1920 to 1939. The style took its name from the 1925 Exposition Internationale des Arts Decoratifs in Paris, so "deco" is short for "decorative."

Art deco became widespread in architecture, interior design including furniture and dishes, clothing, jewelry, poster art, and practically any art form. It started in Europe, but was used even more in the United States.

It drew widely on the many forms of art from the past: Oriental and Middle Eastern art (including Egyptian), Greek and Roman works, Mayan shapes and designs. But it was considered extremely modern and used many machine and automobile design elements like wheels and gears. Rooted in some of the avant-garde painting styles of the era, art deco is characterized by abstraction, distortion, and simplification. Very intense colors were common, as were geometric shapes.

Above all, art deco was a celebration of modern life, an elegant and sophisticated look which was available in many ways. There were luxurious items for the wealthy, and mass-produced items for the middle class. In architecture, there were theaters, restaurants, hotels, ocean liners, and even World's Fair exhibitions. It may seem bittersweet to us so much later, but it represented a joyous delight in the rise of commerce, technology, and speed.

Some design elements were stepped forms, rounded corners, triple-striped decorative elements, vivid colors, and black decoration. The overall format had a clean simplicity to it. For book and poster printing, type faces such as Futura and Broadway were simple and geometrical.

In poster art, the sense of sophistication and suave elegance are often strong elements, as is sensuality. Art deco posters, printed using our modern techniques, are still widely used for decorating today. Art deco posters go well with virtually any style of furnishings, as they themselves draw on so many different things and there is such a wide variety available.


Rosana Hart is a reference librarian turned webmaster. Visit her site at http://www.infoandhelp.com/posters/ for a selection of popular posters and articles about their subjects.

Anti-Terrorism Business

Paul Siegel

Why do terrorists hate us so much that they are willing, even
eager, to die while inflicting upon us tremendous strife and
devastation? Many are asking this question. Most answers I hear
are related to religion, ethnicity and perceived victimization.

All these, no doubt, play a role. But I believe that the main
cause of terrorism is resentment. Most terrorists come from extremely
poor countries. They see how we in rich countries live, and are
resentful. Resentment turns into frustration and eventually despair.
A despairing person is easy prey to radical fanatics.

If resentment is the cause, reducing resentment should decrease
the number of terrorists and thus help win the fight against
terrorism. How do we do this? We need a multi-prong strategy.
But for people in business, the answer is: By building an anti-terrorism
economy featuring anti-terrorism businesses. What will anti-terrorism
businesses be like? They will enshrine the concept of helpfulness
and apply it in a big way to individuals and companies in the
poor countries of the world. This is not idealism. This is a
practical way for business people to fight terrorism while at
the same time strengthening their own bottom line.

Resentment Breeds Terrorism

In the free world we have the richest countries in the world.
Their peoples have mastered the arts and the sciences. They have
developed sophisticated technologies, products, systems and services
that fuel their vibrant economies. They have produced millionaires
and billionaires. They live in big houses and have a plethora
of gadgets to reduce drudgery, keep them mobile, and supply entertainment.
Life is good!

In contrast, people in poor countries, are not too gainfully
employed, live in thatched or mud huts (if they have a home at
all), don't have enough money to buy food, and are subject to
floods, disease, AIDS, and brutal neighbors. Life is fiendish.

The rich countries have perhaps 15% of the Earth's population.
Yet they produce 88% of the users of the Internet. Many of the
remaining 85% of the people in the world have never used a telephone.

Religion is not the primary cause of terrorism. Poor, frustrated
people turn to religion for solace. However, there is a limit
to the amount of solace they may get if they have nothing to
eat. So they become radicals. They become terrorists. What do
they have to lose? They become martyrs.

How to Reduce Resentment

There will always be some resentment of rich and powerful people
and of rich and powerful nations. But the amount and intensity
of resentment may be reduced greatly if poor people and countries
become more prosperous.

Yes, rich countries have established the IMF and the World Bank
to help the poor countries. But every time these financial institutions
offer a loan it comes with such tough conditions that rarely
can a country abide by them and still grow its economy.

The trouble with these financial institutions is that they are
based on the principle:

> The rich should help the poor

The implication is that the rich know best what to do and how
to do it. They feel superior because they are helping these inferior
people. For poor countries to be made more prosperous we must
use the following principle:

> The rich should enable the poor to help themselves

Instead of making plans, allow them to make their own plans.
Instead of teaching them how to do things, set up an environment
that enables them to learn. Instead of selling them sophisticated
technology, help them develop their own technology.

Anti-Terrorism Economy

Build a world economy that fights terrorism by making the economy
as inclusive as possible, thus enabling poor countries to grow
and prosper. This will produce more optimistic people, people
less eager to become terrorists and martyrs.

Take a look at our recent economies;

1 - INDUSTRIAL ECONOMY - We had an industrial economy only
in rich countries. Poor countries were used primarily to obtain
raw materials for use in industrial products for the rich. Colonialism
subjugated and impoverished poor countries further.

2 - NEW ECONOMY - Some called it the Information Economy. I
called it the Learning Economy. But again, primarily the rich
were part of this economy. Poor countries, who were hungering
for information and learning, did not have the wherewithal to
participate.

The main focus of companies has been on serving the rich market.
The reasoning has been: Rich people have money to spend, so let
us dream up gadgets and services to sell them. They forget, however,
that poor countries represent a vast untapped market.

Globalization has been touted as a boon to all. But in practice,
Globalization has meant the ascendance of multi-national corporations,
not the growth of many small companies in all countries.

So I think we should start building an

3 - ANTI-TERRORISM ECONOMY - The purpose of this economy should
be to replace terrorism candidates with peace candidates, illiterates
with doctorates, and starving nations with booming nations. This
can be done by infusing our efforts toward Globalization with
the spirit of helpfulness:

> Globalization with a Local Face

Anti-Terrorism Business

An anti-terrorism business markets to the world, not merely to
rich countries. It does its marketing by following the 3 principles
of Helpfulness Marketing:

1 - LEARNING - Help poor countries learn. They need to learn
about agriculture, small business, and about AIDS. We talk a
great deal about distance learning. Why not go the distance to
poor countries?

2 - COOPERATION - Help them build their infrastructure, so
they may use the Internet. Leap frog their telephone systems
to wireless technology. The poor need wireless for fundamental
learning tasks, not for talking to their refrigerators, as the
rich are planning to do.

3 - COMMUNITY - Make the poor part of your community. Form
alliances and partnerships. Work together on common projects.

Anti-Terrorism Business Examples

Examples of anti-terrorism businesses do exist. Here are 3:

1 - NOVICA - http://www.novica.com - This company travels all
over the world in search of local crafts: ceramics, jewelry,
paintings, clothing, games, sculptures, music, dolls, basketry,
lacquerware, etc. Beautiful items from developing countries are
offered for sale. Novica makes a fair profit and so do poor artisans.

2 - RAINTREE - http://www.rain-tree.com - Raintree works in
partnership with indigenous Amazon tribes to develop sustainable
resources to advance their income as well as the income of Raintree.
According to Raintree, the following statistics show the gain:

Raising Cattle $ 60/acre

Timber $ 240/acre

Sustainable Resources $2400/acre

The sustainable resources they work on are medicinal plants,
from which Raintree obtains all sorts of pharmacological products.
Raintree is stopping the destruction of rainforests, increasing
the income of indigenous people, and making a good profit!

3 - WORLD E-INCLUSION - http://www.hp.com/e-inclusion - Hewlett-Packard
is investing a billion dollars to search for "local knowledge"
and "creative genius" all over the poor areas of the world. The
company wants to help the developing countries develop. It says
it will choose projects based on the needs of local people, develop
them in partnership with local people, and offer sustainability
and fair value. HP plans to do well by doing good.

It is instructive to quote Carly Fiorina, CEO of HP, with regard
to the World E-Inclusion program:

"HP has always believed that we can do well economically and
do good socially at the same time. In other words, invent for
the common good. We believe World e-Inclusion is a great example.

As part of a long-term HP effort to find new revenues one, three,
five and ten years down the line, World e-Inclusion targets the
4 billion people that are seldom, if ever, served by traditional
information technology companies. By providing people with the
social and economic opportunities of the new information economy,
World e-Inclusion is setting the stage for tremendous growth,
both for HP and for developing countries."

Hooray for HP! It is a model for the rest of us.

Summary

Fight terrorism by reducing the number of poor people that fuel
terrorism. Reduce resentment and despair by building an anti-terrorism
economy consisting of anti-terrorism businesses like HP, that
aim to use the principles of Helpfulness Marketing - LEARNING,
COOPERATION and COMMUNITY - to bring prosperity to the poor as
well as to themselves.

Paul -the soarING- Siegel is a provocative Internet speaker and
author of HELPFULNESS MARKETNG, an ebook stressing learning,
cooperation and community. Learn about it at http://www.learningfountain.com/.
Subscribe to newsletter, LearningFOUNT, by sending blank email
to: mailto:LearningFOUNT-subscribe@topica.com.

Jewelry and Gemstone Care & Cleaning Tips
Sam Serio

Diamond earrings, emerald rings, ruby bracelets, sapphire pendants; no doubt about it everybody loves beautiful gem stone jewelry. Gemstones are quite literally hard as rock, buy they can be damaged from careless handling and negligence. Here are some tips for keeping your gems and jewelry looking fabulous for years to come.

1.Remember, even the hardest gemstone variety can be vulnerable to breakage if it has inclusions that weaken the crystal structure. Exercise common sense: if you have a ring set with a softer gem variety or an included stone, take it off before strenuous exercise. Even the hardest gem of them all, diamond, can shatter in two with a single well-placed blow. Never remove rings by pulling on the stone: that habit may result in a loose, then lost, gem.
2.Most importantly, store each piece of gemstone jewelry separately so that harder stones don't scratch softer ones. Almost every gemstone is much harder than the metal it is set in. Gems can scratch the finish on your gold, silver or platinum if you throw your jewelry in a heap in a drawer or jewelry box.
3.Rings in particular tend to collect dust and soap behind the gem, particularly if you wear them all the time. You need to clean them regularly to let the light in so your gems can shine. To clean transparent crystalline gemstones, simply soak them in water with a touch of gentle dish soap. Use a bowl of water rather than the sink to eliminate the risk of anything going down the drain. If necessary, use a soft toothbrush to scrub behind the stone. Rinse the soap off and pat dry with a lint-free cloth (you want to make sure threads won't catch on the prongs) For diamond, ruby or sapphire, a touch of ammonia in the rinse water won't hurt a bit and can add extra sparkle (for platinum and gold only, not silver!). Think twice before putting gems in an ultrasonic cleaner. Diamonds and rubies and sapphires will be fine but many other gems many not be, in particular emerald, opal, pearls, peridot: when in doubt, leave it out.
4.Organic gems like pearls, coral, and amber should only be wiped clean with moist cloth. Due to their organic nature, these gems are both soft and porous. Be careful about chemicals in hairspray, cosmetics, or perfume: they can, over time, damage pearls in particular. Opals also require special care. Never use an ultrasonic, never use ammonia, and avoid heat and strong light.
5.Opaque gemstones like lapis lazuli, turquoise, malachite, require special care because they are rocks, not crystals of a single mineral like transparent gems. There gem materials should just be wiped clean gently with a moist cloth. These gemstones can be porous and may absorb chemicals, even soap, and they may build up inside the stone and discolor it. Never use and ultrasonic cleaner and never use ammonia or any chemical solution.

A little care and common sense can add life, luster and longevity to your precious jewelry and gems. Protect your investment by following the above guidelines.


The Authors of the above Article, Sam and Tami Serio have been passionately involved with Jewelry and Gemstones for over fifteen-years. You are cordially invited to visit http://www.morninglightjewelry.com for a wealth of information about the fascinating world of Jewelry and Gemstones. Together they also shelter 20 abandoned and abused dogs & cats. A portion of their profits goes to the care and feeding of the animals.

The Sterling Silver Story

Sam Serio

Silver is the most common of the Precious Metals. It's working qualities are very similar to gold. Pure silver, which is seldom used for jewelry because it is too soft. Silver weighs about half as much as gold and has greater flexibility. Though silver is not as malleable as gold it can achieve a more brilliant polish. In fact, silver shines above all other metals in this respect.
Silver has been used for many centuries, going back to ancient times, but because it tarnishes and decomposes; it has not survived as well as gold. Periodically, however, silver enjoys great popularity as it does currently.
As far as the price goes, silver generally lags behind gold by about four or five times.
The price of silver jewelry follows the price of gold jewelry, however, so as gold rises, silver inevitably does too.
The words silver or sterling silver describe a product that contains 92.5% silver.
Silver products sometimes may be marked 925, which means that 925 parts per thousand are pure silver. Some jewelry may be described as silver plate: a layer of silver is bonded to a base metal. The mark coin silver is used for compounds that contain 90% silver.

The fashion trend toward Black clothing has made Sterling silver more popular the ever
but it looks best when it is clean and has a brilliant shine.

Care and Cleaning of Sterling Silver

Silver likes to be worn! It stays cleaner and shinier through the friction of movement. This makes it the perfect accessory for today's fast-paced lifestyles.
Nevertheless, it still needs to be cleaned.
Here's how.

Thoroughly rub sterling silver with a good silver polish



The Authors of the above Article, Sam and Tami Serio have been passionately involved with Jewelry and Gemstones for over fifteen-years. You are cordially invited to visit http://www.morninglightjewelry.com for a wealth of information about the fascinating world of Jewelry and Gemstones. Together they also shelter 20 abandoned and abused dogs & cats. A portion of their profits goes to the care and feeding of the animals.

Gas Prices Too High? Save on Everything Else
Gary Gray

As you know, gas prices are way up right now, and could hit all-time highs this summer. Since gas is a necessary commodity, the high prices may give us a good reason to complain. But instead of slamming your fist on the steering wheel the next time you
fill up, try saving money in other ways to make up the difference.

Now, I'm not talking about clipping newspaper coupons for your next visit to the grocery store (though that might be a good idea.) I'm talking about deals and discounts that are easy to find and easy to use--no cutting required.

Coupon sites on the World Wide Web provide a very valuable and FREE resource that can save consumers a lot of money. A lot of people don't think about looking at coupon sites before they shop for something online, but if they do, they'll find special coupons, discounts, or promotions. And we're not talking 5% off at Harry's House of Hairpieces. We're talking about great discounts from retailers like Target, PetsMart, Buy.com, Overstock.com, Home Depot, and many more.

Before you go shopping for a gift or something essential for yourself, I'd urge everyone to visit online coupon sites and see what you've been missing. Chances are, you'll find something that will save you a good amount of money on that purchase.

So what kind of deals can you get? These sites offer discounts, coupons, and promotions from retailers in any category, such as pet supplies, jewelry, apparel, toys, books and magazines, flowers and gifts, home and garden, sports and recreation, shoes, luggage, office supplies, and more. Many of them also feature a search function where users can look for deals on specific items or from specific retailers.

A lot of coupon-site promotions include free shipping, big "dollars-off" discounts on purchases from certain retailers or on certain items, and more. Many of the merchants featured on coupon sites provide "affiliate only" links to discounts, meaning shoppers would be unable to find those deals elsewhere. Some sites even offer a mailing list users can join to be notified of great deals when they come up.

These sites are usually updated frequently, sometimes even hourly, meaning you can be sure to get that one day only or weekend special. So before you go to make your next purchase on anything, remember that coupons sites can ensure you have the best deal you can possibly get.


Author Gary Gray is co-founder of CouponChief.com which currently offers over 1400 discounts and deals from over 800 well-known, reputable retailers. This discount shopping site is updated with new coupons and deals daily, many of them not available anywhere else. Don't get frustrated by high prices! Save at http://www.CouponChief.com

Pearl is June's Birthstone

Sam Serio

If you're still young enough to remember your birthday, you probably also remember the special birthstone assigned to it. But at your age, we bet you don't really know the SIGNIFICANCE of your birthstone and what power the ancients felt would be bestowed about you by wearing it.
June's Birthstone: Pearl Birthstone Properties: Truth and beauty Alternative Birthstones: Moonstone and Alexandrite
Pearl is the official birthstone of the month of June. It is also the accepted anniversary gemstone for the 3rd and 30th years of marriage. Pearls have adorned crowns, clothing, and temples, and were said to be a favorite of Cleopatra, yet there are perfectly suited to young girls and are a popular gift for first communion.
Pearls come in a wide range of colors from delicate rose white to black. The higher the luster or "orient," the more valuable the specimen. Greeks believed that pearls were the hardened tears of joy that the Love Goddess shook from her eyes as she was born from the sea. In Arab legend, pearls were formed when oysters were lured from the depths of the ocean by the beautiful moon and then swallowed moonlit dewdrops. Ancient Chinese thought that these gems originated from the brains of dragons.
Whatever their origins, pearls are magnificent!
Round Pearl-and Her Shapely Sisters It's hard to believe that the coveted pearl comes naturally from one of the humblest of life forms -- the mollusk. Divers find natural pearls in The Persian Gulf as well as in the waters off Japan, the South Pacific Islands off northern Australia, and the coasts of Panama, Venezuela, and California.
Besides the popular round shape most people associate with pearls, there are also large hemispherical cultured pearls (called mabe), fresh water pearls (elongated in interesting shapes and colors) and South Sea cultured pearls (from Australia and Indonesian waters) that grow to 10 mm and up!
Gems of unsurpassed beauty and elegance, pearls have been a passion and even an obsession of people throughout the ages. They have been ground up and used in cosmetics and as a medicine to treat heart and stomach conditions. Some cultures swear by pearls as an aphrodisiac.
Only those with royal status once wore pearl jewelry, but eventually these gems were seen among all classes of people. They continue to be viewed as a mark of taste and refinement as well as a symbol of purity, and they are often given to celebrate a marriage or the birth of a child. Pearls are nature's perfect gift, suitable for all ages, and elegantly worn with everything from jeans to an evening gown.
Alternate Birthstones
Moonstone is a type of feldspar that earned its name because of its resemblance to the iridescent sheen of the moon. Varying in color from clear to blue-white or peach, it was believed to endow the wearer with great spiritual understanding. A gift of this stone is symbolic of health and longevity.
Alexandrite. A yellowish or brownish green in color, this gemstone has the unique characteristic of changing color to a red hue when exposed to a glowing light source, such as candlelight. Because of this quality, it has been characterized by poets as "an emerald by day, a ruby by night."


For more information on jewelry and gemstones, we cordially invite you to visit www.morninglightjewelry.com to pick up your FREE copy of "How To Buy Jewelry And Gemstones Without Being Ripped Off." This concise, informative special report reveals almost everything you ever wanted to know about jewelry and gemstones, but were afraid to ask. Get your FREE report at www.morninglightjewelry.com.

Getting the Goods on Starting a Small Goods E-Business
John Evans

When you begin to think about beginning you own small
business, think about starting a small goods e-business.
These entities are excellent ways to join the world of
entrepreneurs and work from the comfort of your own home.
Whether you are interested in starting small and making
some extra cash to cushion your budget or want to plan a
large-scale business that will be your main source of
income, many entrepreneurs choose to start businesses
dealing with small goods.

A small goods business deals with just that-small goods.
These goods can range from trendy trinkets and fun toys to
high-fashion jewelry and beautiful home d�cor. Whatever
you choose to sell, this type of business may be right up
your alley. With the popularity of online auction websites
such as eBay, many Entrepreneur small businesses choose
to sell their small goods in an online format. Selling
your small goods online versus in a traditional brick and
mortar environment can save you a good bit of time, money,
and work. Instead of having to rent a space for selling
your items, outfitting the space, and manning the store,
you can run your business out of your home. With a
traditional business, you will need a great deal of money
upfront to cover start up costs such as rent, utilities,
and display elements. When you decide to start an
internet-based e-business, these costs are non-existent, so
you can begin your company without taking out a loan or
going in debt. You can elect to develop your own website
to promote and sell your goods or join a pre-existing
marketplace. Granted joining a marketplace may cost a
nominal fee, you are paying for the name, advertisement,
and high-volume access of potential customers. Many
entrepreneurs who start a small goods web-based business
also choose to utilize their own website in addition to
joining an online marketplace. In doing so, you can cover
more virtual territory by covering all your bases.

When you decide to start a small goods business, think
about your passions. If you create artwork or crafts, you
may want to market those goods on the World Wide Web. Many
individuals choose to sell their own creations, varying
from original jewelry, hand-thrown pottery,
specially-designed clothing, or handmade needle crafts,
among other items. Additionally, many entrepreneurs choose
to serve as a "middle man" by selling products manufactured
by another company. Furthermore, traditional "at home"
products such as Avon, Mary Kay, Pampered Chef, and
Tupperware, are often sold by intuitive business
entrepreneurs in a virtual environment as opposed to
conventional approach. In this case, individuals selling
such items have experienced booming business without
having the hassle of packing their sample cases and
traveling to the individual customer.

Starting your own business has a great deal of perks.
Perhaps the largest perk of owning your own business is
the flexibility. Since you work from home, many
individuals begin an e-business in order to stay home
with children but still have a viable income. Others
choose to run an e-business on top of their current work
schedule. Of course successfully running an e-business is
not an easy task. Any entrepreneur can attest starting a
web-based business out of your home is a time-consuming and
difficult task. The hard work is well worth the rewards as
your business develops. Whatever products you decide to
sell, this method of business is an excellent opportunity
for anyone willing to invest the time and effort into this
task. At the end of the day, you can be proud as your
hard work has culminated into a successful business and a
profitable forum for selling your small goods.

John Evans runs http://www.SuccessAlert.com,
and wrote the book Success Alert - Conversations with Successful Internet
Entrepreneurs which has been widely acclaimed in a variety of media. If you want to hear about Starting
A Small Goods e-Business this book
is a must-read!

The Difference Between Investing and Trading

Rob Hall

Investing and Trading are not the same thing. The returns you seek, the length of time it takes to achieve those returns, the amount of risk
one is prepared to take, and the commitment one can make to monitor
the investments dictate the strategy of whether to invest or trade.

Investing

Investing is holding an asset for a longer term, expecting it to increase in value. The most common example is investing in equity mutual funds through a retirement plan. Many of these funds are held for years and are expected to show a substantial
appreciation over the long term.

You can also invest in individual stocks and hold them for 6 to 18 months or longer, sometimes much longer. This is referred to as the "buy and hold" strategy.

Real estate would be another example of investing, unless the property is purchased for quick flipping.

Jewelry, art, stamps, and collectibles are still other examples of investing where they are kept for a long time in the hope their value appreciates.

Trading

Trading is also investing but the time frame for a return on that investment is a much shorter period, usually a matter of a few days or weeks.

The most obvious example would be day trading where a trader is in and out of a market the same day.

Still other trading takes place over a period from a few days to a few weeks.

Most trading takes place with individual stocks and commodities, with commodity markets being the most predominant vehicle.



Rob Hall is a successful futures trader, President & CEO of his own investment firm,
and international author. His books on learning to trade futures markets
are distributed through Sumas International Sales Ltd. View them at
http://www.futuresopps.com/Comm.htm


Mohican County Rambles in Ohio
Melody Schubert

Mohican County Rambles in Ohio

Read Jetsetters Magazine at www.jetsettersmagazine.com
To read this entire feature FREE with photos cut and paste this link:
http://www.jetsettersmagazine.com/archive/jetezine/hotels/midwest/ohio/loundsville/castle.html

On our drive along I-71 to the Mohican State Park Resort and Conference Center in North-Central Ohio, near Loudonville, dark clouds loom in the distance. The storm passed ahead of Leroy and I, although a chilly wind follows in its wake, stirring up the earthy scents of the forest to greet us when we arrive at the Resort. Fall temperatures for the Perrysville- Loudonville area in Ohio normally ranges in the upper 50s at night. In the winter when guests visit the Mohican Memorial State Forest adjacent to the park to cruise the snowy trails on their snowmobiles temperatures drop to a high 20 degrees.

A bit tired, we can't resist slipping into our jackets and taking a brisk walk to admire the bright moon rising in the sky over Pleasant Hill Lake below the Mohican State Park Resort. The 6,000-acre Mohican State Park and Forest is peaceful except for the rustling of tree limbs and the distant hoot of an owl. For a brief moment I imagine the Delaware Indians huddled around a camp fire after a day of hunting before they were driven from the area during the War of 1812. The Mohican State Park, Resort, and Camp Grounds are packed throughout the year with those who love hunting, fishing on Pleasant Hill Lake, and camping at one of 123 sites in the park. Leroy draws me back from my thoughts to retire to our recently renovated and spacious guestroom where we relax with a cup of hot tea on a private balcony.

In the morning the lobby is filled with aroma of fresh baked muffins. While we dined on our selections of fresh fruits and baked goods from the wonderful buffet at the Bromfield Restaurant outside the window the squirrels and blue jays shared a meal. Afterwards, Leroy challenges me to a quick game of pool while a family tests their skills at table tennis. Of course, he wins, but there's always later when I'm sure to win at checkers, chess, or a number of other games available for entertainment in the lobby. For now we're headed out to admire the fall foliage, shop, and catch a parade in Loudonville on our first day out.

Fall leaves skitter across the road while we drive through the beautiful forests and over a scenic river below a covered bridge. On our way to Loudonville we find the historic Pine Run Grist Mill where festivals are held annually. There is also a wonderful assortment of outdoor activities like horse back riding, canoeing, and go-carts for our family to enjoy on our summer camping trip next year.

Ahead, we spot the cars and crowds headed toward downtown Loudonville for the parade. While waiting for the floats and bands to pass we chat with our new friend, Paula. Almost like magic, she waves her hand and who should appear walking down the sidewalk . . . Sylvester, the cat.

It's these unexpected moments in small towns I've come to enjoy most on our trips after growing up in the big city of Los Angeles. Loudonville has fabulous shops like the Books, Bangles, and Brews, offering dining, hand-dipped ice cream, homemade desserts, and previously read books. I love books, but before I could get too close Leroy quickly steered me toward the door and gently reminded me I have plenty at home on my shelf to finishing reading first. That's all right; I also like Southwest d�cor and found a great selection of gifts, Indian art, and jewelry in the Creative Outlet, which also has a wonderful Relaxation Center . Across the street I discovered unique gifts for family and friends and heavenly scented homemade bath products by Grandma's Cupboard and at a precious shop called The Extraordinary Shoppe.

To complete our day we took a trip to Landoll's Mohican Castle located seven miles from Loudonville. We climb a tree-lined drive and take in an amazed breath of awe; here stands a German-style castle from a fairy tale with turrets and oriels, right in Ohio. It is not the castle that makes the man, but his compassion and kindness. We knew this was true when we shook Mr. Jim Landoll's hand.

The castle is a reflection of hard work and dedication to his family who work with him on site to make the dreams of guests come true. We listen while he describes the preparations for the fairy tale wedding. His eyes light up when this humble man speaks about past weddings when the bride becomes a princess standing on the balcony of his castle and waves down at her prince below. In addition to weddings, Landoll's Mohican Castle also host conferences and banquets. Guests staying at one of the eleven elegant suites or luxury cottage at the castle can wander the 30 miles of trails throughout the 1,100 acre woodlands, or work out in the fitness center adjacent to the pool with sauna rooms,and a cascading waterfall. The elegant suites have convenient kitchens, luxury Jacuzzi's, and inviting fireplaces.

Legends At The Castle Restaurant.

After a tour of the grounds, which are held daily, we stop for a

To read this entire feature FREE with photos cut and paste this link:
http://www.jetsettersmagazine.com/archive/jetezine/hotels/midwest/ohio/loundsville/castle.html

Melody Schubert, Jetsetters Magazine Correspondent - Read Jetsetters Magazine at www.jetsettersmagazine.com To book travel visit Jetstreams.com at www.jetstreams.com and for Beach Resorts visit Beach Booker at www.beachbooker.com



Melody Schubert, Jetsetters Magazine Correspondent. Join the Travel Writers Network in the logo at www.jetsettersmagazine.com Leave your email next to the logo for FREE e travel newsletter.

How to Prepare your Mind/Body to Give Great Speeches

Sandra Schrift

Publishing Guidelines: You are welcome to publish this
article in its entirety, electronically, or in print fre*e
of charge, as long as you include my full signature file
for ezines, and my Web site address(http://www.schrift.com)
in hyperlink for other sites. Please send a courtesy link
or email where you publish to sandra@schrift.com Thank you.
___________________________________________________________

TITLE: How to Prepare your Mind/Body to Give Great Speeches
AUTHOR: Sandra Schrift
CONTACT: sandra@schrift.com
COPYRIGHT: ©2004 by Sandra Schrift. All rights reserved
___________________________________________________________

How to Prepare your Mind/Body to Give Great Speeches

Sure you have catecholamines - all speakers do. (including
Sir Winston Churchill and Presidents Kennedy, Carter, and
Reagan.) Those are the chemicals that make you sweat, make
your heart beat fast and make your hands shake. Get rid of
those chemical and psychological reactions by becoming
message-centered and audience-centered, not self-centered.

1 Replace fear and negative noise with positive
affirmations. Create new beliefs that nurture you and
support you with new ways of thinking. The New Adult You!
example: "I am well prepared, and the audience wants me to
succeed."

2. Do a quiet meditation, visualization, or exercise before
you speak. Breathe deeply. Deep breathing sends a message to
your brain that you have nothing to fear. It calms you
down.

3 Who cares if you're nervous? Researchers have found that
most people report noticing little or no anxiety in a
speaker. If you are thoroughly prepared, your internal
nervousness seldom shows. Prepare 150%.

4.Rehearse, rehearse, rehearse. Talk out loud, and walk
around while you practice. Use the same physical energy you
plan to use on the day of your presentation.

The Coach sez. . . practice in front of your mirror
.Practice in the car. If you can concentrate while driving,
you will be able to pull it from your unconscious when are
you in front of the group. Make your points sound
spontaneous and conversational.

5. Exercise is an antidote to stress. Arrive early and take
a brisk walk for at least five minutes. If it is raining or
snowing outside, you can still do some body stretches.

6. Abstain from caffeine and alcohol before you speak. You
don't need more jitters. Always wear your favorite outfit
and use attractive colors. Women, go simple on the jewelry.
Avoid too much black and white.

7. For trembling hands, place your hands on the side of your
chair, and, count to 10 as you try to lift the seat. This is
an isometric exercise that works and nobody will notice you
doing it.

8. Don't be perfect. Give yourself permission to make
mistakes. No one is perfect in real life. Get the
butterflies in your stomach to fly in formation. That's how
you convert your stress into speaking power!

9. Reduce your nervousness by taking several deep breaths
immediately
before you 're introduced. And for you chocoholics, eat some
chocolate to
relax your vocal chords.

11 If you experience dry mouth, chew your tongue to increase
saliva flow. Singers do this. Close your lips and bite down
on the entire surface. Always have a glass of tepid (not
cold) water nearby.

12 Focus on a friendly face in the audience. Pretend you are
having a conversation, rather than giving a speech. Just be
yourself.

13 The Coach sez. . .Most of all, enjoy yourself and have
fun. SMILE. After all, aren't you glad to be there? The
sign of a mature adult is one who does not take himself too
seriously.

14 Here is a vocal warm-up exercise used at the Ryal Academy
of Dramatic Arts in London.
Say:PaPaPaPa, BaBaBaBa, TaTaTaTa, DaDaDaDa, KaKaKaKa,
GaGaGaGa Then do it backwards. (from Robert and Rande
Gedaliah)

Get more speaking skills at our "Summer Sizzle" webpage:
http://www.schrift.com/summer_sizzle.htm


Sandra Schrift 13 year speaker bureau owner and career
coach to emerging and veteran public speakers who want to
"grow" a profitable speaking business. I also work with
business professionals and organizations who want to
master their presentations.
To find out How to Become a Highly Paid Professional
Speaker, go to http://www.schrift.com/ProfessionalSpeaker/
Join complimentary bi-weekly Monday Morning Mindfulness
ezine http://www.schrift.com/monday.htm


Write a Better Online Personal Ad
Tracy Brant at Datreable.com

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Write a Better Online Personal Ad
By Tracy Brant at Dateable.com

If you are going to invest time or money in using a
matchmaking website, you should really pay some attention to
writing a profile that will get you some responses. People
will not be interested in emailing you if you do not do
something to make yourself stand out from the masses of
people using personal ads.

I administer several dating websites. People frequently
write in saying, "I never get any replies to my ad." And
when I go look at the ad, I find that they have not filled
out the profile, or added a photo. Who can tell if they want
to email you if there is no information? Not quite as bad,
but still ineffective, is a profile that says, "Email me for
details" or "looking for a nice person." You can't bother
to write a paragraph to find the love of your life? Or even
a fun date for the weekend?

Here are some guidelines for writing effective personal ad
blurbs:

INVESTMENT. Decide that this is worth spending some time
on, or don't bother. You wouldn't submit a sloppy resume,
would you? This is about making a good first impression,
because there will be no second chance once someone clicks
to the next ad.

MARKETING. You are marketing yourself... trying to stand
out in a crowd. You are the "product." and the people you
want to meet are your customers. Think about who you want to
meet, and then think about who THEY want to meet! How can
you tell them that YOU are the person they want to meet?
Magazine ads, for example, grab your attention, make you
laugh, they make you think "wow, what a great thing... I
want to buy it." They can be short, but pack a punch. If
they are long, they tell a good story. Marketers test their
different ad campaigns, and you should, too. Try placing
different ads to see what gets you a better result.

PREPARATION. Before you log in anywhere, do some thinking
and writing. Don't wait until you are faced with a blinking
cursor to write your blurb. Give serious thought to how you
will describe yourself and the person you hope to find.
Write at least two paragraphs, one about yourself, and one
about the person you seek. Ask someone you trust to read
those paragraphs and comment on how well they reflect who
you are and what you want. Save that text to cut and paste
into dating website forms. Have a digital photo or two
ready.

OPENING LINES. Use your username... don't be Bob3456... be
PaintBallPrincess or SecretSuperHero or something else that
reflects your sense of humor and yourself. If the ad allows
you a "subject line" also use that well... "Need woman in
Atlanta" doesn't cut it. "Atlanta man on a mission" sounds
more interesting. "Atlanta Knight seeks his Queen" tells a
different story about who you are seeking. Use your username
and subject line to hook people into your ad. Use humor,
drama, a funky metaphor. Then, like any good ad, you want to
show them you are what they need, show them why you are
unique, and invite them to take action... by emailing you!

DETAILS. Write in complete sentences. Spelling and grammar
DO count. We have modern tools to help with that. You want
to look like you find this task important enough to spell
out the words. Unless you are 15 years old, writing "If u r
inrested n me, wrt 2 me" makes you LOOK 15 years old. ALL
CAPS IS LIKE SHOUTING... don't. It is actually harder to
read.

HONESTY. If you are not honest with yourself and others,
you will not find happiness in the personals. Are you
married? You know, people CAN figure that out and will
resent the lie more than the wedding ring. Without making
any value judgements, putting down "married" will not
necessarily stop you from finding matches. If you are just
looking for a casual date, don't imply that you are looking
for marriage just to get more email... it wastes everyone's
time. If you are looking for a long-term thing, don't think
you can "convince" a casual date to spend more time with
you. You are asking for disappointment. Try completing this
sentence: "In a year, I'd like to see us doing...."

STRINGS. Guys, I see many you making a crucial mistake in
your profiles. You will find that women are seldom looking
for a "no strings relationship." There simply is no such
thing... if it is a relationship, it has strings of SOME
sort. If you don't want strings, you are looking for an
escort service. Women of any description can find casual
physical relationships without lifting a finger to a
keyboard. Don't lie, but think about which "strings" are
okay with you. "Seeking Torrid Summer Romance" is fine and
honest. So is, "I am not eager to move in or get married. I
want to have a regular date for parties and cookouts with my
friends." Ladies, this counts for you, too. If your
personal ad sounds like you might be offering paid sexual
services, you are going to get some rude offers. You might
avoid phrases like, "looking for a wealthy man with good
taste in jewelry."

BEYOND PHYSICAL. Have you ever really dated someone just
for their eye color? OK, maybe you have spectacular
eyeballs. But ads tend to reel off personal stats... and
then stop there, as though there were nothing but a body.
Most personal sites let you click things to describe your
eyes, hair, and height... don't waste valuable profile space
on your hair. Talk about who you are first, and what you
look like at the end. Want to know the number one thing
surveyed women look for in a guy? A sense of humor.

AVOID NEGATIVES. This is not the place to list all the
things that drove you crazy about your ex and how you won't
put up with that again. Don't list what you don't want...
discuss what you DO want. Turn your own lifestyle quirks
into positives, not obstacles. Workaholic? Try, "My career
keeps me very busy, so I need someone with a flexible
schedule for spontaneous one-day adventures." Frugal to a
fault? Try "I find it amusing to squeeze a nickel 'til it
screams... help me research for my web column "CheapDates
for CheapSkates." Worried people will regard your children
as an obstacle? "My family is very important to me and I
hope to find someone that will enjoy the attention of a warm
family circle."

POST A PHOTO. Website statistics show that an ad with a
photo is 80% more likely to get a response. A photo that
shows you relaxed and having fun, no matter what you look
like, is even better. Don't use a photo that isn't current..
it isn't worth looking so insecure, or being rejected later.
Don't rush to ask for a photo... you may look like a "pic
trader," someone who is collecting photos rather than
looking for a real date. Don't stress about your looks...
attraction is about more than looks. Yes, we often are first
attracted to someone by looks, when we meet in person. But
on the Internet, if you seem like a jerk, you won't get the
chance to meet in person.

LIFE STAGES. People often say that "age" is not as
important as "life stage." Where are you in your life? Just
starting out in a new career? Settled into life with kids?
Empty-nesting? Exploring new interests? These are things
that matter. Talk about what is important in your life. "I
am established in my career and now turning my attention to
the great books I never had time to read." "I moved to this
state for a job after college, and I am looking for dates
with a lot of outdoors-loving friends to help me build a
sporty new social circle."

FAVORITE THINGS. Listing ALL your favorite things is
dizzying.. Choose one good example and talk about why you
like it. Choose something that gives the reader an insight
into what you enjoy. You want people to be able to spot
things you have in common, but also feel that there is
something new and interesting to learn about you. Interest
them in learning more with a "teaser" about something
fascinating about you. Ask a question for them to answer in
the reply email.

RULES. Never... NEVER include your last name, phone number
or address. Observe the rules of the various websites...
some do not allow you to post web addresses or email
addresses. Many prohibit crude language or sexual
references. Getting your ad removed by breaking rules is a
waste of time.

So... let your personality be shown in a tasteful way, take
the time to do a good job, and have a good photo. Those
things alone will put you far ahead of the misspelled
anonymous pack. Best of luck!

© Dateable.com LLC 2002

Dateable.com is an exciting online community for singles,
couples and romance lovers. Dateable.com has romantic
resources, advice, poetry, greeting cards, and more.
Dateable.com also features specialty matchmaking services.
Whether you are looking for a soulmate or a playmate, visit
http://dateable.com

Buying Gemstones Without Being Ripped-Off

Sam Serio

Buying gemstone jewelry can be fun, exciting and confusing. Whether you're considering a gift of gemstone jewelry for someone special or as a treat for yourself, take some time to learn the terms used in the industry. Here's some information to help you get the best quality gemstone jewelry for your money, whether you're shopping in a traditional brick and mortar store or online.

Gemstones
Natural gemstones are found in nature. Laboratory-created stones, as the name implies, are made in a laboratory. These stones, which also are referred to as laboratory-grown, {name of manufacturer} - created, or synthetic, have essentially the same chemical, physical and visual properties as natural gemstones. Laboratory-created stones do not have the rarity of naturally colored stones and they are less expensive than naturally mined stones. By contrast, imitation stones look like natural stones in appearance only, and may be glass, plastic, or less costly stones. Laboratory-created and imitation stones should be clearly identified as such.

Gemstones may be measured by weight, size, or both. The basic unit for weighing gemstones is the carat, which is equal to one-fifth 91/5th) of a gram. Carats are divided into 100 units, called points. For example, a half-carat gemstone would weigh .50 carats or 50 points. When gemstones are measured by dimensions, the size is expressed in millimeters (for example,
7x5 millimeters).

Gemstone treatments or enhancements refer to the way some gems are treated to improve their appearance or durability, or even change their color. Many gemstones are treated in some way. The effects of some treatments may lessen or change over time and some treated stones may require special care. Some enhancements also affect the value of a stone, when measured against a comparable untreated stone.

Jewelers should tell you whether the gemstone you're considering has been treated when: the treatment is not permanent; the treated stone requires special care; or the treatment significantly affects the value of the gemstone.

Some common treatments that you may be told about and their effects include:
� Heating can lighten, darken or change the color of some gems, or improve a gemstone's clarity.
� Irradiation can add more color to colored diamonds, certain other gemstones and pearls.
� Impregnating some gems with colorless oils, wax or resins makes a variety of imperfections less visible and can improve the gemstones' clarity and appearance.
� Fracture filling hides cracks or fractures in gems by injecting colorless plastic or glass into the cracks and improves the gemstones' appearance and durability.
� Diffusion treatment adds color to the surface of colorless gems; the center of the stone remains colorless.
� Dyeing adds color and improves color uniformity in some gemstones and pearls.
� Bleaching lightens and whitens some gems, including jade and pearls.


The Authors of the above Article, Sam and Tami Serio have been passionately involved with Jewelry and Gemstones for over fifteen-years. You are cordially invited to visit http://www.morninglightjewelry.com for a wealth of information about the fascinating world of Jewelry and Gemstones. Together they also shelter 20 abandoned and abused dogs & cats. A portion of their profits goes to the care and feeding of the animals.

Gas Prices Too High? Save on Everything Else
Gary Gray

As you know, gas prices are way up right now, and could hit all-time highs this summer. Since gas is a necessary commodity, the high prices may give us a good reason to complain. But instead of slamming your fist on the steering wheel the next time you
fill up, try saving money in other ways to make up the difference.

Now, I'm not talking about clipping newspaper coupons for your next visit to the grocery store (though that might be a good idea.) I'm talking about deals and discounts that are easy to find and easy to use--no cutting required.

Coupon sites on the World Wide Web provide a very valuable and FREE resource that can save consumers a lot of money. A lot of people don't think about looking at coupon sites before they shop for something online, but if they do, they'll find special coupons, discounts, or promotions. And we're not talking 5% off at Harry's House of Hairpieces. We're talking about great discounts from retailers like Target, PetsMart, Buy.com, Overstock.com, Home Depot, and many more.

Before you go shopping for a gift or something essential for yourself, I'd urge everyone to visit online coupon sites and see what you've been missing. Chances are, you'll find something that will save you a good amount of money on that purchase.

So what kind of deals can you get? These sites offer discounts, coupons, and promotions from retailers in any category, such as pet supplies, jewelry, apparel, toys, books and magazines, flowers and gifts, home and garden, sports and recreation, shoes, luggage, office supplies, and more. Many of them also feature a search function where users can look for deals on specific items or from specific retailers.

A lot of coupon-site promotions include free shipping, big "dollars-off" discounts on purchases from certain retailers or on certain items, and more. Many of the merchants featured on coupon sites provide "affiliate only" links to discounts, meaning shoppers would be unable to find those deals elsewhere. Some sites even offer a mailing list users can join to be notified of great deals when they come up.

These sites are usually updated frequently, sometimes even hourly, meaning you can be sure to get that one day only or weekend special. So before you go to make your next purchase on anything, remember that coupons sites can ensure you have the best deal you can possibly get.


Author Gary Gray is co-founder of CouponChief.com which currently offers over 1400 discounts and deals from over 800 well-known, reputable retailers. This discount shopping site is updated with new coupons and deals daily, many of them not available anywhere else. Don't get frustrated by high prices! Save at http://www.CouponChief.com

How to build an Italian Charm Bracelet for a friend!

Rhonda Percell

Italian charm bracelets make great gift ideas for all your family, friends, and co-workers. First, choose either an all silver starter bracelet or a gold trim starter bracelet. Next, choose a few italian charms that describe the gift recipient. Finally, give the completed bracelet as a gift in a nice gift box.

There are a number of different styles of Italian starter bracelets to choose from. Most starter bracelets come with 18 stainless steel italian links. The most popular style is the matte silver bracelet. The matte links don't show the scratches as much while the owner is in the process of building the bracelet. The next popular style is the matte gold-trim bracelet. A shiny version is also available in either the silver or gold trimmed styles. The type of starter bracelet is really just your personal preference. ( To see examples of these starter bracelets go to http://www.mogollonworks.com/italianstarterbracelets.html)

Next, you will want to choose a few Italian charms to place on the starter bracelet. Many people start with the
person's birth stone or zodiac sign. You can also put the person's initials or name on the bracelet using gold letters. If the person is interested in sports or has a hobby, those are also great charms to choose. The possibilities are endless when it comes to designing a special bracelet as a gift.

After you design the bracelet for that special someone, give it as a gift in a nice jewelry gift box. Anyone would love to get an Italian charm bracelet designed just for them. What a great
way to make them feel special on their birthday or any other occasion.

Rhonda Percell is the owner of JRK Enterprises in Payson, Arizona.
She sells italian charms, bracelets, and offers online charm parties at http://www.mogollonworks.com/italiancharms.html
If you would like more information she can be contacted at
jrkenter@cybertrails.com Sign up for her Italian Charm newsletter
at italiancharms@aweber.com and receive a free report on
How to Build Italian Charm Theme Bracelets!

The Gift Shopping Blues
Carolyn Schweitzer

When it comes to great gift ideas, I have about as much imagination as a hamster. (If they were imaginative, hamsters wouldn't run endlessly in those little wheels). It's odd, really. I'm what you'd call a "natural" when it comes to shopping. I LOVE to shop. Give me an entire day at Filene's Basement and I'm in Heaven.

For the uninitiated, Filene's Basement is one of the most famous bargain basements in the United States. Lurking beneath Filene's Department store in Downtown Boston, "The Basement" is a place where merchandise is continually marked down and competition for the best buys is fierce. There's even a day each Spring when wedding dresses sell so cheaply that scuffles break out in the aisles.

I prefer my shopping nonviolent. But still, the prospect of a great big store full of unexplored "stuff" is more exciting to me than a giant Easter Egg hunt is to the average five year old. I know I'm going to find Easter Eggs (i.e., "hidden treasures"). I just have to uncover their secret little hiding places. That's part of the fun!

I have one small problem, though...

Shopping is only fun if I'm not looking for anything in particular. As soon as there's a "list" involved, it starts to feel like work! Add in the idea that I'm looking for some very special (yet unspecified) item for someone else, and the pressure's really on. If someone says to me, "You must go forth and find something for less than $100 that will make your mother-in-law ecstatically happy", it stops me cold. I become as helpless as a man (Sorry guys!).

Gift Shopping. Arrrghh!

"What", I ask myself, "is my Mother-in-Law's version of an Easter Egg ?" Where are all those clever gift ideas when I need them? Where are they ever?

Panic sets in. Procrastination comes next. Pretty soon I've buried the whole thing in my subconscious, hoping it will "just go away". It doesn't, of course. Like school exams and work deadlines, gift-giving occasions keep on coming -- inevitably and way too often. And those great gift ideas remain as elusive as ever.

So what's a person to do?

My answer was always to get a big pot of coffee and pull an all-nighter.

Umm, I mean, I'd wait until the last minute and then shop until the stores closed. Sure, I'd manage to come up with a few decent gift ideas and some passable gifts. But it's no way to live. And I always knew I could have done better.

I knew things had to change. I knew I had to uncover the secrets possessed by the expert gift-givers...

You know the type. They're the people who smugly announce that they've been done with their Holiday shopping for weeks, when you haven't even started yours -- much less given it any serious thought. They're never at a loss for great gift ideas and they can produce the perfect greeting card at a moment's notice. You won't catch them dashing out to the Quickie Mart for wrapping paper or ribbon; and they have an uncanny knack for finding gifts that are clever, original, and appropriate for any and every occasion. Most distressing of all, their gifts are always heartwarmingly thoughtful!

I pondered my situation for a long time (years), and finally I knew what I had to do. My mission was to transform myself into the sort of magician who could produce great gift ideas and fabulous gifts at the drop of a hat. It's been a long and painful journey, but I'm happy to report a measure of success. Finally, I can look a gift-giving occasion straight in the eye and say, "Hah!! You're not so tough!"

My two most formidable weapons are my "gift closet" and my "little black book". The gift closet is stocked with a variety of gift boxes, gift bags, wrapping paper, tissue paper, and colorful ribbons and bows. There are plenty of little gift cards, as well as greeting cards ranging from Holiday themes to Sympathy to New Baby. Additionally, I've amassed quite an assortment of gifts-for-any-occasion. Some are purchased with people in mind and others because I know they'd be perfect for something.

The "little black book" is just what it sounds like, only it's not filled with phone numbers. Instead I jot down brief notes based on what I learn about people. If someone mentions a hobby or collection, it goes in the black book. If they hint at something they're just dying to have, it goes in the book. If I notice a fondness for a certain type of jewelry or style of dress, I'll make a note of it. Sometimes I even ask leading questions, waiting for a moment when the future "giftee" is distracted, and therefore unsuspecting. I might even ply the giftee's friends for information, admitting only that "I'm curious". All of this has turned me into a bit of a detective -- a secret agent, if you will. And it's actually kind of fun.

In fact, I think I've found a whole new kind of Easter Egg hunt. The hidden treasures are now the little pearls of wisdom I pick up by spying on the experts, and the tidbits I gather on "giftees" during my covert operations. Once I've gathered enough "eggs", I'm armed and ready. I know exactly where to go and what to do. So now, when everyone else around me is in a panic over gift ideas for the coming holiday season -- or for tomorrow's office party-- I'm one of the smug ones. It's a wonderful feeling. And it sure beats running in that little wheel.



Carolyn Schweitzer is owner and editor of "Great-Dog-Gift.com" Check out "The Dog Gift Shopper's Guide for Dog Lovers" at http://www.great-dog-gift.com/dog_gift_3.html , where you'll learn to hone your skills no matter what you're shopping for. If it's jewelry, stop by http://www.thejewelrymine.com and if you like great bargains, visit http://www.netbrainer.com to learn how to find great deals on eBay.

My Needs are Simple and Few!

M J Plaster

My dear owner,

Thank you once again for giving me shelter. (Lick, slurp, lick, slurp) Aside from food, shelter and love, my needs are simple and few! Since I am dependent upon you to provide for me, we should discuss my basic needs. I can lend you the canine insight that you may lack as a human, particularly if I am your first canine companion pet.

Of course, I require a steady supply of food and fresh water, and while I long for the same quality of culinary delight that you routinely enjoy, I know that's an unrealistic expectation. As long as you feed me something that's nutritionally suited for my species, I'll happily devour whatever little morsels of people food you throw my way. I'm not particularly fond of that stuff that comes from the tap, but it'll do in a pinch. I draw the line at drinking from toilets.

Splish splash

In addition to my regular veterinary care, I'll need a flea and tick collar at a bare minimum. How would you like those critters crawling all over you? Please help me to prevent them from crawling on me.

If you want to show me off for company, how about you pick up some grooming aids so I can look my sexy best? I SO look forward to weekly shampoos. Who needs rubber duckies when you get to splash at humans at bath time? I understand that humans multitask, and I love those massages with the grooming gloves, so we could watch TV together while you give my coat a nightly massage. I cannot vacuum after myself (but maybe you could suggest that as an advanced course at obedience school), so you might want to pick up some of those hair pickup tools for yourself.

A bowl of my very own

I could use a doggie bowl or two, something simple, yet elegant, perhaps something with my name on it. It's not that I mind sharing your everyday bowls, but it would be nice to have something that's all mine when it comes to feeding and watering troughs. I'll need one for food and one for water, and an everyday pattern will suffice-no need for an expensive china pattern.

Collars and other jewelry

I look forward to our walks together, but it's just too tempting for me to stray when you walk me without a leash. I think the government suits must be on to us doggies, since they've enacted those pesky leash laws everywhere. So, if you want to continue spending this quality time with me, you'll need to find a leash that fits me properly, is strong enough to hold me, and is the proper length. If it's too long, I'll trip all over myself, but if it's not long enough, I won't have the room I need to roam. I know that there is a dizzying array of leashes available, but please use a little discretion and choose one with the right "look" for my breed so that all the other doggies don't make fun of me. They can be so darn cruel!

Creature comforts

I was told that most humans have jobs, so I understand that you'll be spending time away from me. If you could see your way clear to leaving a few creature comforts behind, it would really help. First, I don't want to hog your people furniture-it's too big for me anyway. I could use one of those nice, comfy doggie beds. Floors are meant to be walked on, not lounged upon. I know that there are a number of places that I should not go when you're gone, so spray that indoor repellent, and I'll learn the first time. I'm a quick study-something about Pavlov!

Dogs in toyland

Toys will help me pass the time, assist me in my development, and most importantly, distract me from the fact that you're not here. I could have some REAL fun if you'd get me my very own cat, but I realize that is not likely. Here is a list of things that I would really, really enjoy if you cannot get me my own cat:

 A nice supply of those rubber, chewy thingies
 Squishy, squeaky, talking toys
 Rawhide chews, dental chews, anything that I will mistake for a bone
 Treats, treats, and more treats - a never-ending supply of treats

Special occasion gifts

You humans have your porches, your patios and your tree houses. I would give my doggie eye teeth for my very own dog house. You could have Santa deliver it in time for the holidays, or you save it for a birthday treat. Either way, it'll give me my own little hideaway and protect me from the elements, should you take temporary leave of your human senses and leave me outside while you run one of your many errands. If you can't swing the canine estate just yet, maybe we could negotiate a doggie door?

Above all, I require the same devotion and attention that you expect from me. Treat me right, and I'll be your best friend for life.

Love and kisses,

Your beloved doggie


M J Plaster is a successful author who provides information on shopping online for http://www.dogs-n-u.com/pet-supplies.htm, http://www.dogs-n-u.com/dog-collars.htm, and http://www.dogs-n-u.com/dog-food.htm. M J Plaster has been a commercial freelance writer for almost two decades, most recently specializing in home and garden, the low-carb lifestyle, investing, and anything that defines la dolce vita.


Rafferty Rose Fine Jewelry
Rose Hayes

We bring the very best jewelry, watches, miscellaneous items, and antiques (or as I'd prefer to call them heirlooms and collectibles) to all price ranges and to all age groups. We have decided to fill a niche group by offering a variety of price ranges to fit everyone's needs and desires. Some of our items are our of the ordinary, ornate and estate items. Truly amazing!

We started in November, 2001, on a wing and a prayer in the hopes that our business would make it. With the help of my daughter, Shana, she helped me with road shows, and people came liked our items, we we decided to give it our very best shot on the web.

Gemstone Treatments

If you're still young enough to remember your birthday, you probably also remember the special birthstone assigned to it. But at your age, we bet you don't really know the SIGNIFICANCE of your birthstone and what power the ancients felt would be bestowed about you by wearing it.
February's birthstone: Amethyst
Birthstone powers: Brings peace and calm to your life
Alternative Birthstone: Bloodstone
Amethyst is the birthstone for the month of February and the traditional anniversary gemstone for the sixth of marriage. Once considered more valuable than diamonds, this member of the quartz member occurs naturally as crystals within rocks. The stones are mined in Brazil, Uruguay, Sri Lanka, Madagascar, Zambia, Australia and in the mountains of Russia
American amethysts are mined in Maine, Pennsylvania, North Carolina, Montana and Colorado. Amethyst from Maine is usually dark with North Carolina amethyst having a bluish tint unique to that area. Amethyst can lighten if exposed to strong sunlight for a long time. When heated to 550-560 Centigrade, the color changes to dark yellow or reddish brown. (They are then called citrines. These are more richly colored and more expensive then natural citrines)
Ideally deep medium purple with rose-colored flashes, amethysts generally range in hue from pale lilac to nearly black purple. Since purple has always been the color of royalty, amethysts abound in the ornaments of in the British Crown Jewels and in the adornments of the ancient Greeks and Egyptians, as well. They have been found in ruins dating as far back as the ninth century, adorning royal jewelry, scepters, and crowns.
The intense violet hue of February's birthstone appealed to early monarchs, perhaps because they often wore this color�as a symbol of their elevated position. Purple dye was once scarce and expensive, so it was reserved for the garments of royalty, and the color came to symbolize power and status.
Sobering Thoughts with Amethyst
The Greeks believed that whoever wore an amethyst or drank from an amethyst cup would not become intoxicated. In fact, the word amethyst is derived from the Greek word "amethystos," meaning sober. In ancient Greece, the gemstone was associated with the god of wine, and it was common practice to serve this beverage from Amethyst goblets in the belief that this would prevent overindulgence. It was also claimed that amethyst had a sobering effect on those "drunk" on love�s passion.
Even today, amethyst is considered a stabilizing force for those struggling to overcome addictive behaviors. In general, the gemstone is believed to be a calming, tranquil influence that symbolizes peace.
Amethyst and Prayer
Amethyst is symbolic of piety, spirituality, and a devotion to God. The rich purple gemstones are used worldwide to ornament churches and crosses used in religious ceremony, and they frequently found in the rings and on the rosaries worn by bishops and priests.
It is also believed that amethysts bring on pleasant dreams because they allow you to "channel" positive universal energy. As a result many people place an amethyst under their pillow before going to sleep at night to enjoy "sweet dreams" throughout the night.

Amethyst is February's Birthstone
Sam Serio

If you're still young enough to remember your birthday, you probably also remember the special birthstone assigned to it. But at your age, we bet you don't really know the SIGNIFICANCE of your birthstone and what power the ancients felt would be bestowed about you by wearing it.
February's birthstone: Amethyst
Birthstone powers: Brings peace and calm to your life
Alternative Birthstone: Bloodstone
Amethyst is the birthstone for the month of February and the traditional anniversary gemstone for the sixth of marriage. Once considered more valuable than diamonds, this member of the quartz member occurs naturally as crystals within rocks. The stones are mined in Brazil, Uruguay, Sri Lanka, Madagascar, Zambia, Australia and in the mountains of Russia
American amethysts are mined in Maine, Pennsylvania, North Carolina, Montana and Colorado. Amethyst from Maine is usually dark with North Carolina amethyst having a bluish tint unique to that area. Amethyst can lighten if exposed to strong sunlight for a long time. When heated to 550-560 Centigrade, the color changes to dark yellow or reddish brown. (They are then called citrines. These are more richly colored and more expensive then natural citrines)
Ideally deep medium purple with rose-colored flashes, amethysts generally range in hue from pale lilac to nearly black purple. Since purple has always been the color of royalty, amethysts abound in the ornaments of in the British Crown Jewels and in the adornments of the ancient Greeks and Egyptians, as well. They have been found in ruins dating as far back as the ninth century, adorning royal jewelry, scepters, and crowns.
The intense violet hue of February's birthstone appealed to early monarchs, perhaps because they often wore this color�as a symbol of their elevated position. Purple dye was once scarce and expensive, so it was reserved for the garments of royalty, and the color came to symbolize power and status.
Sobering Thoughts with Amethyst
The Greeks believed that whoever wore an amethyst or drank from an amethyst cup would not become intoxicated. In fact, the word amethyst is derived from the Greek word "amethystos," meaning sober. In ancient Greece, the gemstone was associated with the god of wine, and it was common practice to serve this beverage from Amethyst goblets in the belief that this would prevent overindulgence. It was also claimed that amethyst had a sobering effect on those "drunk" on love�s passion.
Even today, amethyst is considered a stabilizing force for those struggling to overcome addictive behaviors. In general, the gemstone is believed to be a calming, tranquil influence that symbolizes peace.
Amethyst and Prayer
Amethyst is symbolic of piety, spirituality, and a devotion to God. The rich purple gemstones are used worldwide to ornament churches and crosses used in religious ceremony, and they frequently found in the rings and on the rosaries worn by bishops and priests.
It is also believed that amethysts bring on pleasant dreams because they allow you to "channel" positive universal energy. As a result many people place an amethyst under their pillow before going to sleep at night to enjoy "sweet dreams" throughout the night.


For more information on jewelry and gemstones, we cordially invite you to visit www.morninglightjewelry.com to pick up your FREE copy of �How To Buy Jewelry And Gemstones Without Being Ripped Off.� This concise, informative special report reveals almost everything you ever wanted to know about jewelry and gemstones, but were afraid to ask. Get your FREE report at www.morninglightjewelry.com.