Jul 29 2010

Buyers need to move fast to benefit from initiative

Buyers need to move fast to benefit from initiative

0 Comments | Nottingham Evening Post, Jul 8, 2010

MILLER Homes East Midlands has revealed that there is now only one chance left for buyers at its Mansfield development to take advantage of the HomeBuy Direct (HBD) scheme.

Sandhurst Gardens is close to the amenities of the town centre, near excellent commuter routes to Nottingham, Derby and the M1.

The development has now almost sold out of properties that have been for sale with HBD, a scheme that allows those who qualify, to purchase 100 per cent of a property by paying from just 70 per cent of the value – Miller Homes and the Government equally fund the remaining 30 per cent.

The 30 per cent equity loan will only become repayable after 25 years or when the customer sells their home, whichever comes first, and there is no interest payable for the first five years.

HBD is open to first-time buyers with a household income of less than Pounds 60,000 a year, key workers and current households who cannot afford to buy a property on the open market.

Joy Goodman, sales director for Miller Homes East Midlands, said: “HBD has been hugely successful.

“Its popularity is highlighted at Sandhurst Gardens, which now has just the one eligible property available, a semi-detached, three- bedroom Audenstyle townhouse which offers spacious living with its conservatory-style bay windows, with French doors.”

The property is priced at Pounds 189,950, which means that under HBD, the buyer could only have to find a mortgage for Pounds 132,965.

For more details, visit www.millerhomes.

co.uk. The sales centre is open Friday to Monday, 10.30am to 5.30pm and Thursday, 11.30am to 6.30pm. Call the sales centre on 0800 8408650.

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Jul 29 2010

CEIS – HK's securities watchdog says fund management industry records

HK’s securities watchdog says fund management industry records

0 Comments | Xinhua News Agency – CEIS, Jul 27, 2010

HK’s securities watchdog says fund management industry records strong growth in 2009

HONG KONG, July 27 (Xinhua) — Hong Kong’s Securities and Futures Commission (SFC) said Tuesday the combined fund management business in Hong Kong rebounded strongly to 8,507 billion HK dollars (1,095 billion U.S. dollars) by the end of 2009, representing an increase of 45.4 percent from 2008.

In its annual Fund Management Activities Survey, the securities watchdog said the latest survey indicated that international investors continued to use Hong Kong as the platform for investing in the East Asia region.

Overseas investors contributed 5,388 billion HK dollars, or nearly 64 percent, to Hong Kong’s fund management business, excluding real estate investment trusts. Meanwhile, an increasing number of Chinese mainland-related firms gained exposure to global investment practices via Hong Kong as a springboard, according to the survey.

Licensed asset management and fund advisory houses continued to contribute the largest proportion of the combined asset management business, recording the biggest year-on-year increase of 50.3 percent in the value of their aggregate asset management and fund advisory businesses to 6,447 billion HK dollars in 2009.

Registered institutions recorded a 29.8 percent increase in their aggregate asset management and other private banking businesses to 1,811 billion HK dollars in 2009. Insurance companies reported a 44.6-percent increase in their assets under management to 175 billion HK dollars in 2009.

The survey highlighted the growth of the exchange-traded-fund ( ETFs) market in Hong Kong and the first-time cross-listing of ETFs in Hong Kong and Taiwan.

By the end of June this year, 62 ETFs were listed in Hong Kong. The trading volume of the ETFs increased by 12.5 percent year on year to an average daily turnover of 1.97 billion HK dollars in the first half this year.

The market capitalization, which excludes the gold ETF, rose 29. 7 percent to 180 billion HK dollars in the same period, making Hong Kong the second largest ETF market in Asia.

The survey also noted an increasing number of Chinese mainland- related financial institutions set up operations in Hong Kong
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Jul 29 2010

The easiest and safest way to

The easiest and safest way to do it is to open the “brake bleeder screws” found behind each wheel (if in doubt ask your mechanic to point these out to you), or loosen the brake line behind each wheel which will allow the fluid to drip out slowly just with the power of gravity.

This might take an hour or two, so be patient. You need to remove the brake fluid reservoir cover on the brake master cylinder and DO NOT let the fluid level to so low that air will get in the lines!!!! Always keep the brake fluid reservoir cover off and filled with clean fluid until all the dirty fluid has drained out.

Once the old fluid has drained, re-tighten all the bleeder screws or brake lines that you loosened!!!

The other way to do this is to wait until your vehicle needs a brake job and have your mechanic do it while he is replacing the brake pads.
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Jul 29 2010

To swipe or to buy? When testing new creative, the question is moot if you don’t properly prepare

To swipe or to buy? When testing new creative, the question is moot if you don’t properly prepare

Circulation Management, July-August, 2008 by Patrick Hainault

In a beautiful late spring morning, two young friends entered the world of direct response marketing. Both had been better than average students, and both had ambitious dreams.

And both needed to decide how they’d reconcile shrinking creative budgets with demands for breakthrough direct response campaigns.

Here, the legendary “Two Young Men” Wall Street Journal acquisition letter would have our two friends take slightly different paths to achieve vastly different outcomes. One might decide that only working with famous (and expensive) copywriters and designers will do. After all, a lasting winner can be worth multiples of what it cost to produce and test.

The other, more thrifty (or shackled to a tighter budget), might decide to restrict his efforts to home-grown or bargain-price efforts, drawing inspiration from some of his swipe-file’s favorite hits. After all, why commit scarce resources to a package that’ll end up looking much like all the others and which, anyway, only has a lesser than 50 percent chance of winning?

Twenty-five years later, who might end up in the corner office? Neither if they fail to ask the right questions as they develop their plans–regardless of which creative strategy they favor. Here are two to get you started:

1. What are the underlying economics of this project?

This question is best answered by determining the yearly value of the control against which you will be testing versus the potential upside of each new test. To get there, start by assign ing an honest, reasonable probability that a new test might beat the control, and by how much. If the control is outdated, you may feel bold enough to ascribe a 50 percent chance of a win. By how much? That guesstimate is entirely up to you. You may give it a 30 percent chance of achieving a 5 percent lift and a 20 percent chance of a 10 percent lift. Hence, if the specific control you are trying to beat generates $50,000 in profit per year, and if you think you could hold on to a new winner for at least three years, you better not put out a test that costs more than $5,250 (3 years * $50,000 * (30% * 5% 20% * 10%)).

Factoring all test costs, if this little exercise doesn’t leave you with enough of a budget to afford a new, professionally designed package, skip the test altogether or do an in-house revamp of your existing packages. In the past few years, technology has radically brought down the cost and difficulty of making simple design changes–and writing your own copy has always been free.

2. What exactly am I trying to do?

The surest way to doom a test is to assign it a vague mission to “just beat the control.” Often, out of fear of losing assignments from busy (or sometimes lazy) clients, professional designers and copywriters proceed without creative briefs or formal reviews. That’s not doing anybody any favor. In fact, such briefs should be written before reaching out to anybody. Doing so will help you narrow down who should be commissioned for the work That’s because, despite their assertions, copywriters are rarely good at a vast range of endeavors
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Jul 29 2010

There is no

There is no need of special skills to access and take classes. The online courses are simple to understand and very user-friendly.

The online real estate education portals also cater to applicants who want to renew their licenses. If an applicant submits an application after 90 days of the previous license expiring, he will have to follow the reapplication process all over again, including all the documentation and the fees. However, the license board may exempt the person from re-examination if the application is received within two years of the first license expiring.

Today, an increasing number of people are opting for the online real estate license courses. These not only offer detailed study material and market knowledge but also provide home-based conveniences. With these online license courses, a rewarding career in real estate is just a click away.

Real Estate Licenses provides detailed information on Real Estate Licenses, Real Estate Broker License, How To Get A Real Estate License, Real Estate License Online and more.
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Jul 29 2010

Ask God for His help and guidance

Ask God for His help and guidance in the matter which is a source of trouble for you. Once you have established contact with God then you will see how the glacier of your troubles melts away. ?

Hifzur Rehman is the author of popular articles on self-improvement. He is also the editor of his?website: www.selfimprovement.ch which is a great source of self-improvement related information on various aspects of life. A visit to his site will open the doors of success for you!.
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Jul 29 2010

None of us wants

None of us wants to age. Even if that is inevitable, we all want to look young. That is also right because youth has a beauty that is absent in age. How anti oxidants can help you in fighting aged looks? Let us find out.

Anti-oxidants: what are they – our body is constantly attacked by pollution, sunrays and other damaging factors. While saving the body, we produce free radicals. They are oxygen molecules without an electron. These free radicals? search around the body for a free electron. They take it from a healthy cell and kill it. That is very damaging to body and accelerates aging. Anti oxidants give an electron to these free radicals and stop them from damaging healthy cells. That is how they protect us from aging.

Anti Oxidants: how to use them. Most of the Vitamins such as Vitamin C, Vitamin E are anti oxidants. You get them from food. Beta-carotene that is a type of Vitamin a is an excellent anti oxidant. You get it from foods such as carrots. You can also take supplements of these Vitamins under a doctor’s advice.
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Jul 29 2010

After the wax dries,

After the wax dries, you can buff it with a towel. One coat is enough to make it shine- but heck, you can add another coat or two of you want to make it really shine! The wax job can last about two months.

While the interior really doesn?t help maintain the car itself, it?s just nice to have a clean car inside out. After you are done washing and waxing, start by vacuuming the floors, mats and seats. You may need to use the attachments to be able to get in all the nooks and crannies. (Crumbs are everywhere!) If you have rubber mats, those can be washed along with the exterior and laid out to dry. Replace them after the car is cleaned inside. Next, wipe down all the interior surfaces with a damp cloth. Then, just like you did the outside windows, do the same for the inside.
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Jul 28 2010

Carpal Tunnel Syndrome has symptoms

Carpal Tunnel Syndrome has symptoms of tingling and numbness in the hands, fingers and wrists that is sometimes so painful that it is difficult to sleep. These are the symptoms of Carpal Tunnel Syndrome. CTS is almost always a consequence of some sort of repetitive movement, that is, some sort of movement that you have repeated several hundred to several thousand times in a day.

Relieving CTS in the wrists and other areas is not as difficult as the pain would suggest. Persons who experience CTS at its most extreme symptoms cannot be easily convinced to avoid the often-recommended surgical procedure. The surgical procedure itself is not necessarily dangerous. The problem with the surgery is that, should it not be successful, or should the condition relapse, and return to its full symptoms, this option is no longer as valid a solution. It is wiser to initially begin in a conservative care program.

Chiropractors, Massage therapists, and acupuncturists often offer successful treatment programs. There are also several herbs available on the market that offers a high level of success. Most importantly, there are a series of stretches and trigger point reductions that you should be made aware of.
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Jul 28 2010

A good example is the

A good example is the fruit on an apple tree ? the ripe fruit is sattvic, the ripening fruit is rajasic, and the overripe is tamasic. It is only in enlightenment ? ?Samadhi? ? that the Gunas are completely transcended.

Sattvic Food – This is the purest of foods ? and the perfect Yogi Diet to follow. It is nourishing to the body and mind, resulting in a peacefeul state. A sattvic diet will lead to pure, true health. Sattvic foods include fresh fruits and vegetables, nuts and seeds, wholegrains, legumes, sprouts, milk, butter and cheese, honey and herbal teas. (all should be organic and NOT tinned or frozen)

Rajasic Food – These foods are hot, bitter, sour, dry or salty. Too much of these foods will over stimulate the body, exciting the passions ? resulting in one feeling restless and uncomfortable. Rajasic foods include strong and hot herbs and spices, stimulants such as tea and coffee, fish, eggs and salt.
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