July 29th, 2010
Where US Travelers Are Headed in 2010

Market Wire, February, 2010

With US leisure and business travelers
factoring in value and price for their travel plans at the start of 2010,
London and European favorites — Rome and Paris lead hotel price comparison
site HotelsCombined.com ‘s 2010
top ten international destinations for US travelers.

Bangkok, Sydney, Dubai and Cancun add diversity to the international top
ten list for 2010; while domestically; US travelers are headed to New York
City, followed by Las Vegas, Miami Beach, Orlando, New Orleans and the city
of Miami.

HotelsCombined.com General Manager Michael Doubinski observed that both
vacationers and business travelers are taking advantage of competitive
deals in the current tourism environment before the industry rebounds: “In
the first months of 2010 consumers are looking for good deals on hotels and
flights that will make their dollar go further. The economy is still weak
and so are hotel rates, but we are tracking consistent increases in
pricing. If the economy continues this recovery, bargains will become
harder to find, so for travelers on the lookout for cheap rates, the best
time to book may in fact be now.”

Travelers are the beneficiaries of the 8.8 percent slump in room rates
recorded by data firm Smith Travel Research, with the rates drop still
presenting great deals for consumers before the northern summer months.

London is top choice for international trips out of the US

“London is the clear favorite for American travelers in 2010,” said
Doubinski. The city currently offers good value with average room rates of
US$166, heading off second-ranked Rome at an average rate of US$148 and
third-placed Paris at US$197.

Long-haul destinations Hong Kong and Sydney take 4th and 5th spots at a
competitive US$100 and higher US$171 respectively, with 6th ranked Bangkok
attracting international travelers with low US$77 nightly rates. Barcelona
is ranked 7th, offering average rates of US$154, with Playa del Carmen 8th
and most expensive in the top ten at US$240, 9th ranked Cancun offering
average rates of US$192; and 10th placed Dubai at US$227 costing US visitors
second highest nightly prices.

New York City visitors not deterred by second highest US room rates

Domestically, HotelsCombined.com data demonstrates the continued appeal of
New York City, the No. 1 US visitor choice, despite its US$180 average
rates, currently the country’s 2nd highest.

By comparison, second favorite city Las Vegas is valued at US$110 per
night
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July 29th, 2010

It is myth that only ?the extraverted? are the best in closing a sale. Why would it? Do you think that you can only persuade a prospect by a stream of words, by a constant flow of one-liners?
No, in fact, the best sales is done by a continuous conversation, where you as the sales rep. talks as much as the client does.

But what about the floodgates?

Sales is a bidirectional process. ?You are not someone who is giving information behind a desk,? was what I remembered a sales coach telling once. In the sales process, on your way to closing the sale, you need a continuous check whether your (potential) client is still with you or lost in the stream of words.

The ultimate goal in a sales conversation (or presentation, demonstration, etc) is to convince a client to buy a product or service. But before this, there are many steps in between that serve as a guide on your way. And behind each step you should close ?the floodgate,? because for those minor contributions to the end-goal you want to be sure that you both agree.

You close a floodgate when you agree with a client about a certain preference.
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July 29th, 2010

McKenzies frustrated with bankruptcy

0 Comments | Chattanooga Times Free Press, Apr 30, 2010 | by Mercer, Monica

By Monica Mercer

mmercer@timesfreepress.com

The wife of self-made millionaire Toby McKenzie, a Cleveland, Tenn., native who went from riches to rags after being forced into bankruptcy almost two years ago, expressed her frustration with the process and said it has made them learn who their real friends are.

“When my husband was handing out money right and left, everyone was there, weren’t they?” Rebecca Mc-Kenzie said through tears Thursday after a Bankruptcy Court hearing as Mr. Mc-Kenzie sat by her side.

She explained how the bankruptcy filed in 2008 has “paralyzed” their life, despite her husband’s history of philanthropy. Mr. McKenzie, a pioneer of the national payday loan business, donated millions of dollars to local schools and charities over the years.

“This man has literally donated millions to this community, but when he had such bad medical problems (after declaring bankruptcy), we couldn’t even get the trustee to help us pay his medical bills,” Mrs. McKenzie said.

In early 2009, just after Mr. McKenzie was forced into bankruptcy, a health scare put him in a coma for days, causing the court to put total control of his daily business operations in the hands of a bankruptcy trustee and independent accountant.

Mr. McKenzie seemed hopeful Thursday after the hearing, calling the handling of his bankruptcy case “sloppy” over the past year and a half and expressing confidence that the judge would allow him to carry out his plan to pay back his creditors.

After creditors nationwide filed documents showing Mr. McKenzie owed about $151 million, he initially wanted to reorganize his many businesses under the Chapter 11 bankruptcy code and try to repay as much debt as he could, documents indicate.

The sale of collateral drastically has reduced Mr. McKenzie’s debt since the initial bankruptcy filing, but the exact amount is not yet known, officials said. Mr. McKenzie’s plan calls for $1 million to settle all claims.

The court hearing Thursday marked the beginning of the struggle for Mr. McKenzie to regain control of his financial life, and some of U.S. District Bankruptcy Judge Shelley Rucker’s rulings seemed to go his way.

Judge Rucker ruled that Mr. McKenzie now must be allowed access to his accounting software in order to reacquaint himself with his financial records.

Mr. McKenzie’s lawyer, Richard Banks, complained in court that despite the businessman keeping that same post office box for 30 years, the trustee had neglected to send him his mail. The judge ruled that the bankruptcy trustee also must start forwarding Mr. McKenzie’s mail on a weekly basis
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July 29th, 2010

Imagine for example, adding a new e-mail address on you PC. It would sure be convenient if that e-mail address could also be added on the PC you use at work and on your PDA. How about adding a web page on your Favorites? The same synchronization issues occur, and although it has been promised many times in the past, total synchronization is far from automatic, and people who actually achieve it have spent long hours trying to make it work.

However, the set seems to be changing and we should prepare ourselves for a greater change. If all that we did were not even stored on a PC but somewhere on the Internet, then we could have access to our desktop, wherever we were, whatever PC we were using, ours or someone else’s. If all my MS Office documents, media files and settings were available like this and accessed by a username and a password then any PC could become my 100% Personal Computer. Of course, the idea of web applications through thin clients is not new. But today two major issues make it more feasible than ever before. First of all, there exists an infrastructure for fast and cheap Internet connections available in most places.
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July 29th, 2010

About children Vegan is not an eating disorder

0 Comments | Daily Record; Wooster, Ohio, Jul 24, 2010 | by Jeanine Kendle

Three times this summer I have had people mention concern for a teen who has become a vegan. The concern is the vegan lifestyle is an eating disorder. Absolutely not so.

Living the vegan lifestyle — eating only vegetables — is a choice that has no negative effects if done correctly. By that I mean making sure the individual eats enough vegetables, especially vegetable protein, for a healthy body. Protein is essential for good health, but it does not have to come from meat or fish.

There are a number of books and websites that can help vegans prepare meals that are protein-rich while being vegan appropriate. In addition, your family physician can help you with resources to help you in a healthy vegan life.

Unfortunately, eating disorders can cause not only harm to the body but, in extreme cases, can cause death. Eating disorders fall into three categories. The two main types are anorexia nervosa and bulimia nervosa. A third category is “eating disorders not otherwise specified,” also referred to as EDNOS.

Anorexia nervosa is exhibited by the appearance of emaciation, a constant pursuit of thinness, a refusal/unwillingness to maintain a healthy weight, an intense fear of gaining weight and a distorted view of the individual’s body.

The above are all in the extreme. Slimness is not a problem, but being slim to the point of emaciation is a problem. Becoming hysterical if someone says you need to gain weight, refusing to eat solid food and insisting you are fat when you are emaciated is a problem.

Paying attention to weight is appropriate — weighing yourself almost hourly to make sure you are not gaining weight is a problem. Exercising is good for you — exercising excessively, five-10 hours a day, is a problem. Laxatives, diuretics and enemas all have an appropriate medical use — using them to lose weight is a problem.

Bulimia nervosa is exhibited by eating large amounts of food followed by a compensating behavior — inducing vomiting, excessive use of laxatives and diuretics, fasting or excessive exercising.

The bulimic may have weight within what is considered normal for their age. Bulimics perceive their weight accurately, but fear gaining weight and are unhappy with their body size and shape.

The bulimic is secretive about their binging and purging. The bulimic often feels shame or disgust for their behaviors, but will repeat the binge/purge cycle several times a week.

While the potential for fatalities in bulimics is not as great as with anorexics there are still serious health concerns. Gastrointestinal problems, mouth and teeth problems and electrolyte imbalances can all cause serious problems.

Anorexics and bulimics often have other psychological problems, too. Very often they suffer from depression, anxiety and/or substance abuse.

The most frequently mentioned ENDOS is binge eating. People with binge eating disorder do not purge after a binge eating episode. Like bulimics they often feel guilt, shame or emotional distress that in turns leads to more binge eating.

Binge eaters feel a loss of control when they binge eat, but do not take action to correct their over-eating. As a result they are overweight or obese. Obese people with binge-eating disorder frequently have coexisting conditions such as depression, anxiety and personality disorders.

While eating disorders often become apparent in adolescence/ young adulthood, people of all ages can become affected.

While females are the majority of those affected by eating disorders, men and boys account for up to 15 percent of those affected by anorexia and bulimia and up to 35 percent of those with binge-eating disorder.

If you have concerns about your child having an eating disorder speak to your doctor and dentist

July 29th, 2010

For Sale By Owners:FSBO is a thriller/mystery novel with a message. Maybe, several messages?
If enough people buy it, it will become a best seller. I pray that you will consider ordering and reading my novel that I might derive the resourses to – once again – attempt to develop the still much needed medical product.

Please just do not let greed compromise your loving judgment.

Russ Miles is author of the novel, For Sale By Owners:FSBO. A ?Seasoned Real Estate NAR? Broker,? disabled by Multiple Sclerosis, writes books & articles on varied subjects. Google russ miles FOR SALE BY OWNERS:FSBO ISBN 0-595-28703-4,in trade paperback, is available by phone or Internet:1-800-Authors to order direct! Adobe e-book & hard cover editions also available FSBO at Amazon.com at Barnes and Noble and other fine booksellers. Comments: MilesRuss@Gmail.com.[Visit http://soulful-writer.com].
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July 28th, 2010

We didn?t have many, if any, choices as children. The sources of our well-being were our parents or parent-figures and we were entirely dependent on them to have our needs met. As we grow into adulthood, many people?in fact most people?tend to forget that with adult status comes choices. Apart from not realizing this fact and therefore not being able to get ?out of the rut? of feeling choice less and defeated and unloved, many adults were never taught about choices. They weren?t taught what they were, how to make them and how they influenced their lives. They weren?t taught how choices determined their ability to conduct their lives in a positive manner as well as how they were responsible for all of the choices that they made.
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July 28th, 2010

Make sure you have pulled off the road far enough to avoid traffic and turn the engine off. And don’t forget to turn on the hazard lights (flashers).

Get out of the trunk the spare tire, the lug nut wrench and the car jack. I pointed these out to her before hand.

Before jacking up the car, loosen the lug nuts, which hold the wheel in place. Turn the wrench counterclockwise to loosen the lug nut. Loosen every other lug nut first, then go back and loosen the others.

Carefully jack up the car and reference the owner’s manual for the correct and safe place to put the jack. Just Jack the car up a inch or so higher in order to remove the old tire and to be able to have room to put the new, full of air tire back on.

Continue by removing all of the lug nuts and set them aside in a place where you won’t lose them. The flat tire should be able to slide right off now.

Lift and place the new tire onto the wheel studs. Make sure that the valve, where you add air, is facing out.

Replace all of the lug nuts and tighten them by hand.
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July 28th, 2010
American Integrity Insurance Company Responds to Market Demand for Home Insurance Options

Business Wire, July 19, 2010

TAMPA, Fla. — American Integrity Insurance Company announced today its launch of a new
residential property insurance product which responds to demands for
affordable property insurance options in todays economic climate. As a
means to create more affordable policy options, marketplace demand has
increased for a policy to cover basic major perils. American Integritys
Dwelling Policy (DP-1) provides a solution for this need by providing a
no-frills policy to insure for catastrophic or large loss events.

Bob Ritchie, American Integritys CEO and President said, We have
expanded our product line because we recognize the economic challenges
of our customers. Florida homeowners have a variety of needs in the
current marketplace, and we want to give them viable choices. We have
always told Floridians and our customers we are here to stay. Part of
that promise involves listening to customers as their needs evolve, and
responding with productive ideas to help them find solutions.

Features of American Integritys DP-1 include coverage for a home or
condominium and can be occupied by the owner or another party. This
product is particularly well-suited for seasonal residents who live in
Florida part-time. Currently, the market for a DP-1 policy is limited
which has forced coverage to be placed with Citizens, the state run
insurer of last resort. American Integritys policy offers more coverage
options than its marketplace competitors and is attractively priced
throughout the state. American Integrity reports its call volume has
significantly increased with requests for this type of product which
underscores that the need is growing, and customers are seeking
affordable home insurance alternatives.

Richard Parniawski, a St.Petersburg homeowner said, I just want the
basics covered so I can sleep at night. Just give me coverage in case
there is a hurricane, a fire, or lightning hits the house. Thats all
the peace of mind I need. American Integritys basic dwelling policy is
sold through independent agents throughout Florida. To find an agent, a
homeowner may call American Integritys marketing department at
813-880-7000.

About American Integrity Insurance Company:

American Integrity insures over 90,000 Floridians including manufactured
homes. It carries an A rating from Demotech. Additionally, American
Integritys reinsurance program is financially strong in that no
reinsurer is rated less than A-(excellent) by A.M
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July 28th, 2010

Even so, we want to look our best after weight loss surgery and having someone draw attention to this residue of our obesity is disheartening.

There are some surgical options to tighten then neck skin: A neck lift is actually a set of procedures used to enhance the appearance of your neck:

? Cervicoplasty is the procedure used to remove excess skin

? Platysmaplasty removes or alters neck muscles

A plastic surgeon also can perform neck liposuction, which removes excess fat. In some cases, Botox injections may be the answer to your problems if you have fullness or “bands.”

A neck lift was out of the question for my friend, so we did some research and found a more holistic approach that yielded some improvement. From Bharti Vyas? book, ?Beauty Wisdom? we found the following advice:

? Give your neck a weekly massage

? Hold your head in proper alignment ? imagine that your head is being pulled upwards by a piece of string attached to the crown

? Cleanse your neck night and morning the same as you do your face, starting at the collarbones and working up to the jawline.

? Apply a rich-moisturizing cream at night and moisturize with sunscreen during the day.
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