Sterling Silver: The Practical and the Beautiful

What is the feature of “sterling” silver? Sterling silver is the best balance of practicality and beauty. Let’s say you filled the jug to the brim. If it was made of pure 99.9% silver, the handle would most likely bend when serving your guests and arrange a messy dinner. Silver is a soft metal and needs to be strengthened for its functionality. Silver jewelry can also be accidentally changed if the metal is not strong enough to prevent bending.

Instead of pure silver, the metal is mixed with an alloy that makes it stronger. Copper is usually used. Sometimes other additives are used to reduce the formation of tartar. Germanium, zinc and platinum are sometimes used as alloys. This is the basis of the standard of sterling silver. The sterling standard is 92.5% pure silver and 7.5% of other metals or other metals. This can also be expressed as a minimum sample harvest sample of 925.

Sterling silver is the most common silver variety used to make jewellery and home accessories. To qualify a sterling silver coin, look for one of the following marks:

about sterling

o sterling silver

about the star

o .925

In many countries, a postmark of the analytical office should be stamped for sterling silver sold for commercial purposes after a clean inspection. This is also necessary for other metal objects. In the UK, the Branding Act 1973 made it illegal to describe anything, such as platinum, gold or silver, if it did not have the right brand. This is a historical reference because the first test centre in the UK was Goldsmiths’ Hall, which was founded in 1300. This is where the term “stamping” comes from. Marked items in the jeweler’s room.

There are a number of other established silver standards based on different applications. In addition to pure silver (purity 99.9%) and sterling silver (purity 92.5%) Mexico is the only country that has remained to use silver in its coins in circulation.

Mint silver in the United States is prescribed by the Federal Trade Commission and currently consists of 90% of silver and 10% copper. The original standard for silver coins was introduced in the United States in the 1820s, but the way coins were used and used changed as e-commerce became increasingly popular.

History and culture have set many other standards for money. In the 12th century there were five German cities, which were called Easterlings and formed the so-called Hanseatic Union. He was involved in the trade with England. They used their local currency to do business, and it turned out to be silver at 92.5%. Most of all, the British were impressed by Easterling’s products with their quality and durability. Eventually, King Henry II of England brought silver Easter affinars to England, and in 1158 the “penny of Tilby” became the standard currency for sterling silver.

In addition to the currency, the popularity of sterling silver has been perpetuated by cutlery and jewelry. In the United States and Europe, society itself strictly insisted on serving the table between about 1840 and 1940. This has retained a number of silver companies. Each company produced a wide range of intricate designs that were truly works of art and design. After the Second World War, the cost of labour and simpler alternatives led to a drop in the price of sterling silver cutlery.

Have you ever polished money? This should be done regularly to remove sediment. Have you ever wondered what spoils your grandparents’ money? It’s not about the money. Silver does not chemically react with water or oxygen. It is an alloy that oxidizes and provides the formation of black silver sulfide (Ag2S) / tartar on silver. Two products are usually used to remove it: Twinkle Cream and Wright’s Silver Cream.

Today, the artistic use of silver is widely practiced in jewelry. Everything from pearl jewelry to jewelry is made of pure silver or cleaner silver. Soldiers who returned from World War II brought amulets and pendants to their families and friends. The use of silver dates back to ancient Egypt, when it was used symbolically, as it is today, to celebrate everything from wedding anniversaries to birthdays, faith and religious expressions. It is often combined with precious and semi-precious stones to enhance the design, beauty and elegance of jewelry in some of the best jewelry of our time, as well as to deliver the pleasure of everyday decorations and expressions. For example, the following site combines beads and finds of sterling silver with semi-precious stones:
Thin tiger’s eye and silver jewelry.

Sterling silver is a practical and beautiful tool that will help you celebrate your life.

Authors’ biography

Janet K. Nelson has studied and written articles on topics from cultural to technical. She is an author known for combining information and giving a fresh, clear and comprehensive perspective on her subjects. She has written articles, guides and ideas for marketing, cultural, media and distribution organizations.

How to Gracefully Go From 6 Figure Salary to WIC in 90 Days

“There are blessings in the storm.”

“There is always the best hope.”

“It can’t get any worse.”

“At least you have health.”

That’s all people tell you when you’re going through a crisis and trying to fill in an awkward silence. I’m not the kind of person who complained or complained. I usually keep smiling and moving when I’m facing adversity. But lately I have been learning a humble lesson in which my good-nature is at the heart of the main castle. Today’s lesson for students is how to move stylishly from a six-figure salary to a WIC program in 90 days.

Let me begin by saying that this story is not to tell you how I feel about myself, but rather to say that I sympathize with all who have experienced it, who have experienced it, or who will experience it. After all, no one can understand your ordeal better than someone who was there?

So that’s where my story begins.

Three months ago, I (reluctantly) quit my job at PayPal. I knew it was a dangerous situation, given the number of people I was going to work for in the unemployment queue. At the time, it seemed that the daily cuts were from hundreds to thousands of people each week.

Lesson Number 1: How to keep your mouth shut and smile gracefully

Friends and family will ask you the same questions during this busy process. “Are you looking for another job?” “Do you have enough savings to kiss on time?” “Why are you moving?”

My advice to you is, if you are stunned by the obvious, do not bother to explain it, it will only confuse them. Although you may be tempted not to say, “No, I’m not looking for another job, I hate paying bills, eating out and driving.” You’ll probably look at those who know you like crazy people and want to say, “Yes, I’ve had enough to kiss me for a while, but I screwed up and thought I could live with you for a while,” yelling at your neighbors, “I’m moving because you’re making too much noise!”

But stop. Wait, don’t do that to those who are just trying to help. They don’t know what they’re saying. I received similar questions, kissed and hugged everyone, kindly taking their advice and condolences. Losing a job should not mean losing friends and family. I packed my bags and moved south to live with my mom.

It’s nice to know they have to take you home. A few weeks after moving in, my son has just had a novelty “vacation” and wants to know when he will be able to return home. Back to the Montessori ABC. Go back to Budd Avenue. I tell her, “We live with my grandmother now.” She has a great new school, but her best friend and favorite teacher is not. I heard that Isaiah’s best friend’s mother is going through the same problems as me, so unfortunately her friend wouldn’t be there if we’d come back anyway.

Finding a job is a job in itself, especially since you have to report your bold efforts in EDD to get a check in time (fighting the EDD monster is a very different lesson). Today I went online to apply for a job on hot vacancies. For every vacancy I applied for, I received a response saying “you’ve already applied for it.” Doh!

Lesson number 2: keep trying or make sure it still looks good

Those who rely on you should SEE that you make an effort every day. Complacency and laziness can quickly go away, followed by depression and anger if you do not keep trying. Yes, sometimes it seems unnecessary to perform another search on monster to get the same list of works from the home scam that you saw yesterday, but you never know that today may be something new.

Some time ago I called the program “Women, Babies and Children” which issues receipts for the purchase of food for low-income mothers. They set me up for a six-week meeting and told me the system was so busy with needy women that it was the fastest I could get. Finally, the meeting arrived, and I was gripped by a wave of emotions when I was paid only a few months ago

Lesson 3: Where there is a desire, there is a way

I focused on my business with Mary Kay with the tenacity and strength of a hungry lioness. Wrinkles under my eyes, shiny lips and red cheeks – 45 minutes I drove to another networking event. Even though I was tired and disappointed that every woman at the event already had a mary Kay consultant, I triumphantly returned home after receiving a phone number from a waiter who “LOVES Mary Kay” and needed a new lipstick.

I feel like networking works, and while I’m determined to look for “office work” in the rankings every day, I’ll continue to grow my business with Mary Kay® in the hope that it will give me stability and flexibility. to support myself and never worry about being fired again.

Don’t Buy Another “Make Money Online” Product Until You Read This!

Although there are many scams on the network, most people with “Earn on the Internet” products offer legitimate ways to make money online. But listen carefully – don’t buy another product online to make money until you know if it’s right for you.

Yes, there are a lot of options on the Internet. Yes, you can generate passive income streams from a variety of sources, but it’s not about “creating a website” and just waiting for people to pay you. As in everything else in life, there is work.

Once your money-making program brings you money, it’s easier to maintain than a full-time job. The advantage of working online is that you don’t need to spend your time on money, as many do within 8-5 boxes.

Why can’t so many people make a living online?

It’s a sad truth, people buy a product that “earns money online” and it will collect dust on their hard drive. Then they will buy the next product to make money and it will stay there. If you do not implement the procedures described in the product, you will not earn any money. Period!

And just because you buy a “How to make money online” product doesn’t mean you’re going to succeed.

To succeed both online and offline as an independent entrepreneur, you need to be at least halfway interested in what you do. If you’re not interested, it’s not going to work. Reason: You have no motivation to do anything

Before the Internet appeared, I tried everything: Amway, Weekenders, BeautiControl, etc. All these products are great products and many people enjoy them very successfully, but if it doesn’t trigger your triggers, how much can you be excited about what you’re doing? I just couldn’t study these products or try to promote them to someone else. It wasn’t mine.

For someone who wants to make money online and be able to do it well, you need to meet the following requirements:

1. You have a burning desire to make money online.
2. You really enjoy working at the computer.
3. You are not afraid to write.
4. You are not afraid to learn new things.
5. You are ready to take on the challenge.

Like everything new, at first it can be overwhelming and you have to overcome the learning curve.

But if you are ready to accept the challenge you love to write, you are not afraid to try new things; The Internet can be a safe way to make money online.

The bottom line is that if you don’t like what a “money making program” does to make money online, don’t buy the product. Explore the product before you buy it, find feedback from people who actually use the product, not just those who hypnotize it.

Just because it sounds good doesn’t mean it’s right for you.

If you’re willing to take up the challenge, you can learn how to make money online in about a week,” and show something for that in a few weeks. This program comes with a 60-day money back guarantee, so there is no risk.

This program immediately started working for me and costs 29 dollars not so expensive. The advantage is that after buying this program you don’t need to spend any more money because it involves using free internet resources to promote your business.

You don’t even need to know how to create a web page or something. You also don’t need to be a “techie,” you get all the shortcuts and shorten the learning curve by about a year. Excellent program, works for ordinary people.

How to Find That Perfect Domain Name

You start a new business, start a new brand or product, or just want to do more business online, right? To do this, you’ll need a new domain name. And because it’s instantly believable, and more than 90% of all internet traffic goes to names ending up in .com, that’s what you need. He is the king of the mountain, and it will be a long time.

With 135 million registered domains, finding an effective name is not an easy task. Looks like all the right names are already occupied! Most people throw this towel too early and agree to a long, hard-to-remember name or name with a secondary domain ending at .info, .cc, .biz or .co.

It’s like opening a new store with the main entrance in the alley, not on a busy street! Now you wouldn’t do it for a new store, so don’t do it for your domain name.

Here are some tips on how to find the perfect domain name perfect and avoid some serious mistakes.

First, make a list of short names easy-to-remember and try them out on GoDaddy or from another name registrar. Yes, they will probably appear as unavailable, but check to see if the website is working. If he’s alive, how do you use it? It can still be available to you. If your potential name is not currently in use, check out more popular alternative sites such as Sedo to see if it is for sale. A few thousand dollars may seem like a lot of money to invest in a name, but think of it as a signage charge above your store. You won’t learn anything unintelligible or incomprehensible to save money.

Here are some ways to simplify your search by spelling:

– add a suffix, for example -ster, or -able, or -ize, or -eez, or -ful. So the journey turns into a traveler or traveler.
– remove the vowel or add a double consonant at the end or at the beginning. So, digging becomes digging, and the baker becomes a bakr.
Use a hyphen. Turning cookbooks into cookbooks
– Change similar-sounding letters, such as z to s, so that the cruise becomes a cruise, and the eggs become eggz. The same goes for f for ph, x for cs, etc.

Avoid long names at all costs. A name of more than 15 letters is too easy to write and difficult to remember. If you opened a consulting firm in New York instead of, you’d be better off using a unique secondary market name, such as You should also make sure that no spelling mistakes or divorce can be as unpleasant as, which can also be

Finally, check to see if your name violates someone’s trademark, trademark, or similar service mark. Find a brand search system for your country and do a simple search. As soon as you have this domain name, buy another extension.

An Isotonix Review – Implementing Isotonix And Isotonic Solutions By NutraMetrix Into Your Practice

Did you know that the world’s best-selling vitamin Centrum® contains hydrogenated oil and many other “antichemicals” that your body is not genetically programmed to absorb?

We’re going to start with an accent, because if I don’t tell you what’s holding back Proctor and Gamble, what can you imagine they’re not telling you? It’s really scary!

Personally, I’ve never cared about being a real star of hype, but if you want to know more about how the manipulative world of food additive marketing takes advantage of the uneducated mind of the “typical” consumer, I highly recommend that. Keep reading.

Remember these 3 things by participating in this review of Isotonix® and NutraMetrix®:

  1. Experienced knowledge is needed in any direction of research, but when it comes to isotonic solutions, Isotonix® really is unparalleled when it comes to their bioavailability.

If you have ambitions to work with NutraMetrix®, I need to tell you about the availability of health products so you can talk intelligently about marketing Isotonix® the way it deserves.

There is an old adage: “You don’t know what you don’t know,” and when you talk about incorporating dietary supplements into your patients’ lives, you MUST know that by introducing Isotonix® into your practice through the commercial System nutraMetrix®, something you don’t know will cost you and your patients.

You may not know this, but most publications (usually magazines) advertising food on their pages are ambiguous. Too often, the creators of these health and fitness journals also own the rights to distribute the products advertised in them.

Bill Phillips, author of “Body For Life”, owns E.A.S. (food additive giant) and Joe Vader, owner of Muscle and Fitness magazine, have a huge impact on the food additive industry; But there are still many such stories!

Again, ALL “GOOD” consumers and health care providers who want to use Isotonix® don’t realize it. So be sure to ALWAYS cross-refer and exercise due diligence with regard to scientific sensitivity and tangible efficacy to confirm any claims about health and wellness products, especially Isotonix®.

What types of comparable products and distribution channels exist?

Most products are pills, pills, capsules and even some liquids, but there is only one company that owns the brand name nutrametrix® and isotonic solutions – Market America, Inc.

  1. The final step in evaluating these great isotonic drinks and the distribution-supporting business model is to analyze and analyze the professionalism of the team you work with.

Market America employs more than 3,000 growing health professionals who currently use Isotonix® and NutraMetrix® in their practice.

I want to assure you that I have personally invested thousands of dollars and thousands of hours in the study of the best options for introducing the wellness solutions program in the search offices of in-demand health professionals in practice. Privately, just know that my findings have left me with a clear conclusion.

What Isotonix®, NutraMetrix® and the rest of the US market have to offer is amazing! Today’s patients demand a natural alternative to health. They are tired of the same old treatment regimens that lead to nothing in their quest for optimal well-being!

As a licensed dietitian with exceptional personal training and an internet marketing coach for many experienced healthcare professionals, owners of Market America UnFranchise® and dozens of offline businesses, I strongly recommend learning about the introduction of Isotonix® and nutraMetrix® of the .com company.

How To Pick The Right Network Marketing Team

I once had an incredible opportunity to listen to a man named Eric Venmeyer. Eric is the only blind man who has ever visited Mt. Everest and the highest mountain. Peaks on all other major continents.

To the question: “Eric … How did you do that?”

Network marketing works the same way. You will only reach the top of the mountain if you surround yourself with the best team. So how do you choose the right team?

There is a simple and understandable test to determine if you have found the right command.

  1. First, you must pay attention to the energy of the voice of the person you are talking to. Do they have a lot of energy? Do they feel nice, sympathetic, honest, caring, in a good mood? This person seems sincere to you, and you feel that he cares not only about money?

Making sure you are surrounded by positive people is absolutely essential in this industry. Positive people attract more positive people, and people in general will move on to the positive rather than the negative. If you are negative … you better start thinking about how to get rid of all your negativity, because if you want to earn a dime on network marketing, you will.

  1. Second, pay attention to what qualities or characteristics you DO NOT want to be. Is the team you’re talking to assertive, desperate, negative, shy or insecure? Lacking sincerity, humility and warmth?

When creating a network marketing organization, we should always remember that these are our main partners, to whom we present our perspectives and receive our advice. Does the person you speak to look like the person you want to introduce to a potential client you’re talking to?

The qualities that succeed in this industry are leadership, confidence, compassion, thoroughness, good communication, likable, friendly, cheerful, sociable, passionate, energetic and more. These qualities will ALWAYS attract people to you or your partners.

If you don’t have all these qualities… find the team that implements them, or develop them yourself. If your team has a very balanced set of personalities, you can still pick up people who could communicate better, and the whole business is built on relationships and trust.

  1. You definitely want to pay attention to what this new team seems to be teaching you. If you think that they will learn something … then it’s a good choice. If you think it sounds like the same thing you’ve heard before, or if you intuitively feel you have nothing to teach on a personal level, find people you can learn from on a personal level. and who can grow.

Our industry is the driving force behind growth. The more we grow, the more our business will grow. Network marketing is so unique because the whole business is made up of relationships, and as you grow as a person, you gain more value in attracting other people to yourself. And people are pulling it because I think we all want to grow deep inside.

  1. Notice what the team has to offer you in terms of support, guidance, and leadership. Are they available to you? Do they have calls for leadership development, training or team launch calls? To what extent does an active leadership role play in a company or in its organization? All the important questions to ask.
  2. Finally … What type of marketing system do they have? This is the area where you’ll find the greatest shortage of network marketing teams today. Many teams still believe that traditional network marketing strategies work for everyone, even if 95% of people fail.

Actually, no. 95% of people trying network marketing are defeated because they don’t do network marketing, thinking that this is a REAL business that requires real business tactics.

The most successful network marketers to date have mastered the art of marketing and know how to attract highly qualified and targeted customers. I wouldn’t even consider joining an organization if it wasn’t a marketing-focused group that had a solid marketing plan so I could generate my own potential customers.

Ask your potential team what their marketing plan is. Ask them what they have to offer to help all types of people who want to join, not just what they offer to those with huge networks of caring people.

Most people don’t have big hot networks, and eventually all the hot networks will be exhausted if you don’t put more people in this hot web.

By themselves, these ideas were supposed to give you a solid impression on how to choose a successful network marketing organization. Trust yourself, trust your instincts of the people you deal with. Ask these questions and actively search for answers, and you’ll get a good idea of what to expect from your new network marketing team.

Ultimately, your success comes down to one and one… And to you. But with the right team you can get to the top of the mountain much faster and with less effort. Stop reading … Begin!

Mr Universe The Road To – III

Last moments behind the scenes … Showtime

Crazy pumping and posing then turned into an almost serene silence when our class settled in a niche behind the scenes. We were eagerly waiting in the dark for a hand signal on stage that would lead us under the bright lights under the howls and cries of an uncontrollable crowd desperate to cheer, laugh or bow to the last generation of bodybuilding hopefuls.

My mind remembered what must have been thousands of years ago, when Christians were thrown into the Roman Colosseum to be pierced and eaten by lions, while the bloodthirsty crowd roared with joy. It turns out that after almost 2000 years, little has changed.

The race and time spent on stage are almost surreal. Food exhaustion, dehydration and diuretics confuse athletes on stage, and the noise of the crowd drowns out the orders of the chief judge, who shouts various obligatory poses. The burning sensation in my muscles reached an almost excruciating level, my muscles s gathered, bent and shrivelled under the blinding light of light.

It seems that time has stopped when I hold every pose in the statue for silence, struggling to avoid shivering from intense muscle contractions. My breasts roll between positions, my lungs breathe heavily, and I feel the taste of my own blood in my parched mouth. I draw a well-trained smile on my face as I move from one skin-splitting pose to another, feeling as if I’m strolling on a cool spring morning for the morning newspaper.

Half of the crowd howled with joy, while the other half tries to muffle the cries of a chorus of whistling while the judges make decisions. Tough judges, all experienced athletes themselves, look at the line of bodybuilders with the slightest movement of pencils, deciding for them the fate of several.

Before you know it, the voice of MS echoes through the speakers, and we are breathlessly carried away from the stage, stumbling in search of sports bags, where we hurriedly take a tiny sip of water.

Months of dieting, exhaustion and drug use – it all squeered and turned into fleeting moments on stage, but in the end, when the last participants leave the stage, the lights go out, the music turns off and the curtain closes.

The competition is largely over, and the ensuing evening spectacle will be more or less a parade for handing out trophies, T-shirts and a few buckets of protein to the new champions. The winners like the attention of photographers who are in a hurry to take some photos of each of the winners. Perhaps one of the winners will be lucky that the editor of the magazine with a set deadline will fill the empty section of 2×2 on the last pages of the script of the story about the events of the day.

Killed shyly gather with their friends and families and chew cookies, candy and the most expensive “taboo treats” that have been avoided like the plague in the months leading up to the show. Faithful friends immediately point out how each athlete was robbed or how unfair the appeals were. Almost everyone agrees that the show should be rigged, as they all mumble in agreement, closely following the promoters, judges and staff.

Absolute irony of bodybuilding

The irony, for the most part, is lost in athletes who have spent countless years of training, effort and unspeakable insecurities to get to this point, only to blow it up when most people need a Bag Eat Doritos.

Testosterone nourished the body and minds, filled with the relentless desire to become the maximum possible, with an almost insane amount of effort, sacrifice and discipline to develop you in the latest version of Hercules, not at the peak of the Father’s time.

The moment of glory goes back to history, as it should be, and the hopes and dreams of most participants rush into the rocks of reality. These few are the lucky ones, as the winners often win, supported by the illusory glory that a temporary victory can bring.

In the end, even the greatest bodybuilders will turn into mere mortals before the Dark Reaper calls their souls home. Unfortunately, this is happening faster and faster with today’s bodybuilding participants.

Additional show on bodybuilding revealed

Of course, in between the morning and evening shows, the well-known “competitive scene” is outside the hall in all the stands. Anyway, I can see what the “real world of bodybuilding” looks like, and it’s like a circus show filled with jumbled quirks that drive Mark Twain crazy.

Bloated stomach, swollen suitors, in a dense spandex, strewn with a pair of professionals with glazed eyes, signing autographs in various kiosks with additives. Meanwhile, spectators in “cartoon proportions” go out and bend with flared planks, arms outstretched and extended breasts like frogs ready to mate. It really is a sight when everyone struggles to get the attention of others.

After the game I met the winner outside the game, who was depressed. Congratulating him, he said to me, “And now,” how can I compete with the pros?

I trained with this guy a few weeks before the show, and he told me how many drugs he had been taking for 3 years to “be in the winners” circle. Now that he has really won, he has realized that he has no heart, no genetics, no money to make the leap into professional bodybuilding.

It was great to see him on the sidewalk that night and his words echoed in my head for many months after the game.

Razor blade

Current competition requirements can be a dangerous game that can lead to ultimate disaster. Most people don’t know how many emaciated bodybuilders are behind the scenes in oxygen tanks or, at worst, rushed to the emergency room because of drug overdoses and diuretics. I call these methods razor sharpness, because at any moment everything can turn into a disaster. Wins and losses seem to be determined by the level of risk a competitor is willing to take.

Obviously I was lucky because I didn’t need medical attention, even though I was abusing water, juice, etc. Coca-Cola. after the show in a very dehydrated state. I lay on a bench while walking on a boat for about 2 hours, trying to calm my parents, as “knife” pain ran through my kidneys.

Debt Settlement WARNING! (Plus 3 Rules to Avoid Trouble)

Buy debt relief programs?
Receiving quotes from different debt settlement companies?
Filling out forms online and looking for help with credit card debt?
Seduced by lower payouts?

Don’t be fooled …


Citibank, Discover or Bank of America? (Are you sure?)

UPDATE MARCH 2012: Target and Kohl’s have become very aggressive. Your program should take into account the higher costs and the possibility of a successful trial. Collaborate only with a professional law firm with a lawyer in your country who will represent you who have successfully passed the following tests…


If you get a quote from someone who doesn’t ask you who your lenders are, you better escape!
Today, when so many people are experiencing financial difficulties, there are many unscrupulous, untrained or ignorant people who jump into the basket to pay off debts… Unfortunately, this can mean big problems for you!

Did you know that Citibank, Discover and Bank of America are much more likely to sue you if you make a mistake by signing up for the wrong program for 24 to 30 months? Or, in some cases, even if it’s over 12 months?

It all depends on how much you owe to “aggressive lenders” such as Citibank, Discover and Bank of America.

You may have accounts disguised as other lenders, but in fact they belong to the same pesky lenders as…

At’T Universal (Citibank)

Most petrol cards (Exxon, BP, Citgo, Chevron … ALL Citibank)

Sears (Citibank)

Sometimes Lowes and Sams (learn)

FIA (Bank of America)

Plus a plethora of other common names that you may know all too well but never knew are putting time bombs in your financial plan.

In fact, if you are in arrears to Citibank, Discover or Bank of America, debt settlement may not work at all for you!

UPDATE MARCH 2012: Citibank has recently become much easier to manage, which is much smaller and comes down to lawsuits. In fact, many creditors are relaxed. I think it has to do with savings. Lenders want something as soon as possible, not nothing. This is GOOD NEWS for you!

Indeed, these hard economic times are the best time to get rid of debts as little as possible and as soon as possible! A friend of mine recently repaid $75,000 of his personal credit card debt to Bank of America for just 10% ($7,500).

Take advantage now if you have suffered from the economy and have serious debts.

What if you signed up for one of those debt settlement programs that DO NOT address these “aggressive creditors” (like most debt settlement companies that offer today)?

If you’re one of the many clients I tried to help when they came to me after leaving one of the many bad debt settlement programs, you’ll be robbed and dumped with bad creditors.

You would have spent a year or two on a program that was doomed from the start, with MUCH more debt (higher balances due to interest accumulation and commissions), ‘a lot of nothing’ for paid big money on an insensitive debt settlement with a long list of complaints… and your bills will go too far for a legitimate debt settlement to do everything you can afford. Usually at this stage it takes a large lump sum, about 65% of your total debt, to avoid bankruptcy or worse…
Beware of the “smoke and mirrors” that most debt companies are trying to reach today.

Literally thousands of debt repayment companies have jumped out of the basket in recent years. Most of them come from bankrupt subprime mortgage companies that were the cause of a series of bad loans that went through our economy before the collapse in which we found ourselves.

RULE 1. Ask for quotes only to settle a debt that requires a discharge.

Beware of sellers and newbies who try to sell you for a minimum monthly fee without even looking at your specific situation. Stay away from companies or suppliers that try to sign up for the program without referring to anything listed in TASC’s Standard Disclosure.

RULE No.2. Work only with the repayment of debt, valid for more than 5 years.

If 90% of enterprises fail in the first five years, why do you trust your financial future to an unverified startup? Stay away from startups or companies whose “business date” was in their BBB report less than five years ago. Choose a company that has proven itself over time.

RULE no.3. Only work with companies with a clean BBB reliability report.

Stay away from businesses with a long list of complaints… especially “unresolved” complaints. This is a sure sign that they are too promising and poorly working and may needlessly sue their clients. You need a company and a consultant who will be there for you throughout your program to make sure you get support and succeed in debt servicing.

In short, find out what a “good track record” means with BBB, and demand it from any company you plan to entrust to your financial future.

UPDATE FOR MARCH 2012: Due to numerous unscrupulous operators in the industry, as noted above, BBB has refused membership in many debt settlement companies in most regions of the country. This is the case when a few bad apples spoiled the barrel. Some parts of the country are still members. In addition, the BBB gave companies a “D” rating simply because they are active in debt settlement, even without having any complaints or problems with consumers in the past.

Currently, BBB does not recognize any criteria to distinguish good companies from bad ones other than the length of existence and the number of complaints.

LED Lighting Advantages and Disadvantages

LED lighting is not a new technology; In fact, he’s been working with us since 1960. LED bulbs were originally used to replace incandescent bulbs and displays in laboratory equipment and eventually in televisions, watches, radios and calculators. The prices of LEDs have only recently fallen enough to make them viable for the housing and commercial market. LED home lighting can be anything from street lighting to Christmas lights. With the looming energy crisis in South Africa and pressure on governments and businesses to make more sustainable energy solutions, LED bulbs have a bright future in space lighting.

The main benefits of using LED bulbs

First of all, LED lights are much more efficient than any other alternative lighting sources currently available on the market. LED bulbs have a lifespan of 100,000 hours and last 11 years with continuous use or 22 years when working at 50%. Compare this to the estimated lifespan of 5,000 hours for an incandescent bulb and 10,000 hours for a fluorescent lamp. Many companies find the life of LED bulbs very attractive – imagine that signs in a commercial building are replaced only once every 11 years. In the case of incandescent and fluorescent bulbs, the actual cost of the lamp should include the labor costs and time it takes to replace them. LED bulbs virtually eliminate the cost of lighting maintenance.

The second important advantage and advantage of using LED lighting over conventional lighting is low power consumption. An LED lamp is capable of converting 80% of the electricity consumed into light energy. The remaining 20% of electricity is lost in the form of thermal energy. Incandescent bulbs convert only 20% of the electricity used into actual light energy, which means that up to 80% of electricity is lost in the form of thermal energy. If you compare the efficiency of 80% of LED bulbs  with the efficiency of 20% incandescent bulbs, the best choice would be a bright enough lamp. Light.

The main drawbacks of using LED bulbs

The main limitation is the current high cost of LED bulbs. While the cost of LED bulbs in South Africa is steadily declining, replacing an incandescent bulb with a capacity of 100 watt another LED can cost about 5,000 rand. The cost of starting may seem discouraging, but LED bulbs pay off over time as they last up to 11 years and save a lot of money in terms of electricity consumption. For businesses, the use of LED lighting makes a lot of sense because lower maintenance costs more than outweigh the high initial costs.

This is what big companies do.

Several leading companies and hotels in South Africa, such as Woolworths, CFC, Sasol, Caltex, Protea Hotel Group and Ster Kinekor, are currently using LED lighting solutions. LED lighting is used from step lighting, linear lighting, wall lighting and signage lighting to color-changing cash registers and controls, architectural lighting and freezer lighting. These companies have recognized LEDs as the preferred light solution of the future. As the initial cost of LED bulbs plummets, more and more companies will follow these business leaders and discover a painless lighting solution that will last ten years and save money.

Sterling Silver Bracelets – Great Gift For Your Sister’s Birthday

Is your sister’s birthday coming? If so, I really think you think it’s the perfect gift for her on her special day.

You really want your sister to be happy and surprised on this special day, then you want to give her a gift that she will like. You can see what she likes to collect. You can look into her jewelry box, she likes to collect items from sterling silver, such as chains, bracelets made of sterling silver, etc.

Knowing that you have a lot in common, that you have happy and exciting times when you are together, you want her to feel loved and special on her birthday. That’s the reason; You would like to find the perfect sterling silver bracelet that you could give her to add to her collection.

There are many stores that sell bracelets made of sterling silver, moving from one local store to another can take a long time and tire, especially if you have a busy schedule, it may not work for you. Fortunately, now you can find many stores that sell such bracelets, so you can easily find different bracelets for your sister. With just a few clicks, you’ll be offered a variety of options. You can browse through the various options until you find the perfect decoration for your sister’s birthday.

See the different designs of sterling silver bracelets; Of course, when choosing the right design, you need to take into account the preferences and tastes of the sister. You can search several stores, you will need to buy it from a trusted seller to make sure that the item will be delivered to your sister’s address on your sister’s exact birthday to make sure she feels like a special day.