Thursday, November 29, 2012

Types of Letters

A letter is a message written by a person to convey a message to another. Letters represent mutual friendship and a type of humanly communication, especially on a regular letter exchange between two people.

Letters had been existent through humanity since ancient history. Letters existed during the time of ancient Egypt, Sumer, and ancient India, through Greece, Rome, and China up to now. Furthermore, letters make up some of the books found on the bible. Archives of letters whether for diplomatic, business reasons or for personal purposes are apparent, making all servings as the primary source for historians.

The 19th century is the height of writing letters in paper because of increased businesses and social interaction among people.

Types of Letters

Due to the advent of technology however, wherein telephones, mobile phones and computers were produced, letters have become a less important routine for communication. The development of fax, telegraph, Internet, telephones, and other high tech communication gadgets posed a huge impact on the sending and writing of letters.

The art of exchanging letters became less common in modern industrialized countries and were replaced by e-mail. In addition, the invention of the cassette tape had encouraged people to send tape letters during the time when CDs were not yet available.

The term letter is often used in e-mail messages that follow the basic format of a rudimentary letter. Instead of papers, these messages are read on the monitor or screen of the computer.

Types of Letters

One type is the Letter of Inquiry. It is a general term used for different kinds of business letters. For instance, applicants send this kind of letter along with their curriculum vitae to employers of the companies where they would like to work. On the other hand, companies send this type of letter in their business partners whenever they need the necessary information about the products or raw materials that they have to order. This letter is usually written short and direct to the point. It only contains a short introduction with a phone number, address, and e-mail address of the sender. It also contains a simple and short introduction.

A Poison Pen Letter is a note that generally contains anything unpleasant, malicious, abusive accusations or statements about a third party or the recipient. This is typically sent anonymously. These are written with the intention to offend the recipient. It can be traced back to the days of Beethoven. He would constantly write poison pen letters to express is anger and as a release of his temper.

During the advent and popularity of e-mails, poison pen letters have now been considered as rare and probably an obsolete form of writing. This is also synonymous with hate mails or hate letters.

A Business Letter is formally written and used among two parties having business relations. This can also be writing as a form of correspondence between organizations and their clients, customers as well as external parties. The style of a business letter depends on the relationship of the concerned parties. It enforces a stricter and respectful tone and language.

A Personal Letter is the most common type, and also the most prevalent. These are written communication exchanges between friends, family members or any two people with close ties. It uses a more informal tone. It can be written just to say hello, to woo an important person, or express other personal matters.

Types of Letters
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Sunday, November 25, 2012

NFL Betting 101 - The Point Spread, Money Line and Over-Under

NFL football is perhaps the most heavily bet sport in America. When it comes to NFL sports betting, there are three basic types of wagers that gamblers can make. The first two, the point spread and moneyline, are based on the outcome of the game, while the over/under focuses on the total points scored by both teams.  

Point Spread  

The point spread is a fixed odds bet, which results in the odds remaining constant. It's also said to be an even wager, meaning if you win, you get back double the amount of the bet dollar-for-dollar. However, this is not true. The even odds are actually a little less than even. Commonly, for every .00 you bet on this fixed odds wager, you receive .00 back. If this were a true even wager, then betting .00 would result in the return of .00. The question is-what happened to the other dollar you put down?  

NFL Betting 101 - The Point Spread, Money Line and Over-Under

The missing dollar was what gamblers call vig or vigorish, which is a Yiddish term used in sports betting to describe the bookmaker's commission. In essence, it is how betting sites make their money, ensuring that they turn a profit on each and every bet. It's a fee that you pay to use the bookmaker's services. Thus, the point spread actually pays approximately 1: 0.90 and not 1:1.  

The point spread is used by bookies to help create an even playing field, making it more difficult for gamblers to pick the winner and encouraging betting on both sides of the ledger. The underdog is given points by the handicappers and the favorite has points taken away. Point spreads are often stated as fractions, which ensures that one NFL team or the other will win, negating a possible tie. Ties are usually discouraged due to the fact that they result in a push where all bets are returned.  

Here's a typical point spread:  

New England Patriots             - 7.5  

Cleveland Browns                   +7.5  

When the spread is listed in sports betting, the home team is on the bottom. Home field advantage amongst two evenly matched teams usually results in the home club being listed at minus-3.5 points. In our example, Cleveland is the decided underdog, being the home team and having been given 7.5 points. That means if you wager on the Browns and they win outright or lose by less than eight points, you win your wager. If you put your cash on the Pats, they must win by eight points or more for you to collect. If they win by less than eight, you lose. Thus, if the final score is Patriots 35 and Browns 30, Cleveland, at plus-7.5, pays-off as their adjusted score for the sake of sports betting is 37.5.  

Moneyline  

If you're new to the moneyline, you might find it confusing. Using the Pats and Browns again, here's what that NFL contest might look like when listed on a sports betting site.  

New England Patriots             - 140  

Cleveland Browns                   +135  

The first thing to realize is that a moneyline wager does not involve the giving or taking away of points. The actual winner of the game results in a payout. If you bet on New England and they take the contest by one or 100 points, you win your wager; the same is true for Cleveland.  

With the moneyline, the team that is at minus is the favorite and the club that is designated with a plus is the underdog. In our example, the Pats at minus-140 are considered the favorite and the Browns at plus-135 are thought to be at a disadvantage. To win 0 on New England, you must risk 0. On the other hand, if you take the underdog Cleveland Browns, a bet of 0 offers a payout of 5. The riskier wager costs less and pays more.  

Is there vig in the moneyline? It's there; already include in the calculated payouts. It's simply tougher to see. To collect their cut, bookies simply charge a bit more for you to bet on the favored club and pay out a bit less on the underdog.  

Over/Under  

The over/under wager basically pays the same as a moneyline bet. Often, you'll see it listed like this:     

New England Patriots              

O/U 36 -110  

Cleveland Browns        

If the game results in a total of 37 or more points scored and you bet the over, your 0 wager garners you a profit of 0. If the total points scored add up to 35 or fewer and you took that action, you'd win 0 for every 0 you put down. If the point totals come to 36, then it's a push and all over/under bets are returned. In order to avoid the push, you'll often see the over/under listed as a fraction.  

In sports betting, those are the basic NFL wagers and their payouts. A full NFL betting line at a sports book would look like this:  

Teams                                     Spread                         O/U                 Moneyline  

New England Patriots             - 7.5                                                     - 140  

O/U 36 -110  

Cleveland Browns                   +7.5                                                     +135  

NFL sports betting can be fun, exciting and profitable. Before making any wager always take time to research each team. In order to turn a consistent profit, sports bettors need to make intelligent decisions.

NFL Betting 101 - The Point Spread, Money Line and Over-Under
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Thursday, November 22, 2012

African Women For Marriage? Free Way To Find African Mail Order Brides!

Like many men, you are interested in African women for marriage. Unfortunately, you face a potential mine field of problems. The industry for African mail order brides has an utterly terrible reputation (and well deserved, I must say). Over the course of this article I will warn you of the potential problems and share with you a fantastic little method that has helped hundreds of other men to easily and safely find their dream African wife.

What Are The Dangers?

In recent years, sites for African mail order brides have received a poor reputation. Many of them use fake profile information. In other words, the women advertised on their pages are fake. The photographs will have been stolen and the information will have been fabricated. These sites also have a reputation for stealing credit card information. To top it all off, they also tend to charge massive membership fees. Some such sites have been known to charge more than to contact each woman. Use these sites and not only do you stand to lose money, but you will likely be wasting your time by trying to contact someone who does not exist!

African Women For Marriage? Free Way To Find African Mail Order Brides!

A Free Way, You Say?

So now you know the dangers when seeking out African women for marriage. I realized a long time ago - having actually lived on Victoria Island, Lagos, Nigeria for two years - that real African women do not use these websites for African mail order brides. They use, instead, international dating sites to find their foreign husbands. Many of these big sites are free or at least offer you a free membership to get you started.

Let me give you a method that should help you. Join one of these dating services. On the profile that you create just write down that you are here to meet African women for marriage. Now go to the search page where you can look for ladies. Select Africa as the country and then, of course, select females. What you have now is a potentially massive list of African women.

How do you find the ones wanting husbands? To be honest, MOST will actually want husbands. However, to narrow it down, just send friend invitations. Those women who get your request will read your profile. Those women who have shunned the sites for African mail order brides in favor of this site will see that you want a bride and accept your invitation.

If you do this for a short time each day, soon you will have a growing list of African women who are connected to your profile, all of whom may want to marry you. The beauty of these sites is you can chat via emails, instant messenger, even on webcams, so you can really get to know these women before you take anything further.

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Make A Free Profile here and put in a search for African ladies. This international dating community is the largest service I know for adults. You can try out my method in the site and I have strongly recommended the service to hundreds of other men over the years.

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Sunday, November 18, 2012

The Oz Principle - A Book Summary

In The Oz Principle, Connors, Smith, and Hickman brilliantly use the analogy of "The Wizard of Oz" to discuss a business philosophy aimed in propelling individuals and organizations to overcome unfavorable circumstances and achieve desired results. This philosophy can be encompassed in one word: ACCOUNTABILITY.

The eponymous principle builds upon the ethos of personal and organizational accountability. It explores the root cause of an organization's impediments to exceptional performance and productivity, and provides great insight on how to re-establish a business from the bottom up, emphasizing on the thin line that separates success from failure. The Above The Line, Below The Line methodology is the driving force behind The Oz Principle.

The Oz Principle: Getting Results through Accountability

The Oz Principle - A Book Summary

Just like Dorothy's search for the Wizard of Oz for enlightenment, individuals and organizations also seek out the wizard that will save them from the maladies that afflict their workplace. However, the wizard is just a distraction, bearing new-fangled business philosophies and management fads that will only create a layer atop the ugly truth that needs to be revealed. When the core problem is not addressed, the ills will
eventually resurface and the business is back to its sorry state.

Victim Thinking or Failed Accountability

When a company suffers from poor performance or unsatisfactory results, individuals from top management all the way to the front line begin finger-pointing, forming excuses, rationalizing, and justifying, instead of doing something to alleviate the situation. They foolishly profess that the circumstances have made victims of them, that the events are completely out of their control, and that they shouldn't be blamed for the company's current problems. It's always something or someone else, never themselves.

Above The Line, Below The Line

A thin line separates failure and success, greatness and mediocrity.

Above The Line, you'll find the Steps to Accountability which include in chronological order: See It, Own It, Solve It, and Do It. The first step, See It, means acknowledging the problem; to Own It is to assume responsibility for the problem and the results; Solve It means to formulate solutions to remedy the situation; and, as a culminating step, Do It commands the
practical application of the solutions identified.

Below The Line is where the self-professed victims play

The Blame Game. Here, crippling attitudes such as Wait and See, Confusion/Tell Me What To Do, It's Not My Job, Ignore/Deny, Finger Pointing, and Cover Your Tail are rampant. Though majority of the people found in this dimension are weak in accountability, this does not mean that very accountable individuals are exempt from falling Below The Line. They, too, slip every now and then. The only difference is that they know how to get out of the rut.

A Simple Solution to Victimization

Individuals and organizations Below The Line languish in
self-pity until they get trapped in the "I Am a Victim"
mind-set and find it hard to break free from the vicious cycle. Accountability offers a very simple choice to make, albeit a difficult one to act upon: "You can either get stuck or get results." So stark in its simplicity that most people fail to realize that the ball has always been in their court.

The Power of Individual Accountability: Moving Yourself
Above The Line

The first step to accountability is recognizing the problem.
It takes great courage to admit that you are stuck in a
difficult situation. Most people, however, fail to view
reality the way it is because they choose to ignore it or
they accept the situation as the status quo and go along
with it.

To commence the march up the Steps to Accountability, you must first muster the courage to: a) recognize when you fall Below The Line; b) realize that remaining Below The Line not only ignores the real problem but leads to increasingly poor results; and c) acknowledge and accept reality as the first step toward taking accountability.

Mustering the courage to See It will lead to the next step,
Owning It. Here, you must have the heart to own the
circumstances you've recognized in the See It step as well
as the results that will come from the course of action you
plan to take.

"What else can I do to rise above my circumstances and achieve the results I want?" That is the question to continually ask yourself when you find yourself stuck in a stubborn situation. Apart from creating solutions, Solving It also involves foresight in determining the worst possible scenario that can happen, and being prepared to battle it head on.

Having solutions is not enough if you neglect practical
application. You can't Do It unless you make yourself
accountable not only for immediate circumstances but also for future accomplishment. With this, you are empowering not only yourself but also your organization.

It's so easy to be pulled back Below The Line, especially if you don't accept full accountability for the situation and the future. A lot people are afraid to become accountable because they fear the risks associated with it. However, know that without taking the big leap, you will never get anywhere.

The Oz Principle - A Book Summary
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By: Regine P. Azurin and Yvette Pantilla

Regine Azurin is the President of BusinessSummaries.com, a company that provides business book summaries of the latest bestsellers for busy executives and entrepreneurs.

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(c) Copyright 2001- 2005 ,BusinessSummaries.com - Wisdom In A Nutshell

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Wednesday, November 14, 2012

Salt Water Swimming Pool Maintenance - Tips to Keep it Running Well

More and more people are learning the advantages of having a salt water swimming pool system. However, these types of pools have there own sets of issues that are fairly different from owning a typical pool. In addition, salt water swimming pool maintenance, or any type of pool for that matter, can be a very frustrating experience for the owner, because they're just not sure how to take care of it properly. Luckily, it doesn't need to be expensive or tiring any longer.

Common Problems Salt Water Pools Face

"Run Away" Chlorine If the water isn't tested and balanced properly we come across an issue called run away chlorine. The chlorine created by the salt can actually damage certain parts of your swimming pool. For example, if not kept an eye on, chlorine can dissolve the heat exchange in your heater. Testing and balancing is very important for this reason. Rain If you live in an area where rainfall is very high, you'll need to monitor the salt level more closely. Rain pushes the salt out of the pool water, and because of this you'll more than likely need to add more salt than what may have been originally recommended. Calcium Build Up Salt attracts calcium. This is especially true for plaster pools. Because of this scaling on the surface of the water is rather common.

Salt Water Swimming Pool Maintenance - Tips to Keep it Running Well

In addition to the problems above, because pools are an open water system they are highly susceptible to environmental influences such as algae, viruses, bacteria and so on.

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That's why I highly recommend getting your hands on a good salt water swimming pool maintenance guide. These guides take the guess work out of how to maintain a safe and healthy swimming environment for your friends and family.

A small investment could save you thousands in the long run because of how expensive outsourcing this work can be. In addition, you're given access to a whole host of tips and tricks most people are completely unaware of saving you time, money and energy.

So STOP wasting your time maintaining your pool, when you could be enjoying it! swimming pool maintenance doesn't need to be hard. You just need to know where to start!

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Sunday, November 11, 2012

My Husband Cheated and Had a Baby With the Other Woman - Is it Possible to Save the Marriage?

I actually hear this question on a relatively regular basis. Although most people would probably assume that a husband's conceiving a baby with someone else means the end of the marriage, this is not always the case. Sometimes, the wife has children of her own with this man and doesn't want for her children to lose their on site father because of one bad decision. Other times, the husband is begging for forgiveness and swearing that the two of them can make it work if they just get help. Finally, I have even had women tell me that they feel compassion and some responsibility for the innocent child involved who now needs for everyone to act in a healthy and responsible way.

Still, this is a very difficult situation. Getting over an affair and saving your marriage is difficult enough. But, having a constant reminder and a reason for the couple to have to interact with the other woman on a regular basis makes things even more difficult. I have seen a few instances where couples have been able to save their relationship and remain married in this situation. Many of them have similar characteristics and take similar actions. I will discuss this more in the following article.

It's Often Necessary To Put The Child First When A Baby Is The Result Of An Affair: This seems to be a pretty straight forward concept. The innocent child can not control the way in which he was conceived. It's not fair for him to feel the resentment and negative feelings that surround this issue. However, it's easy to say all of this but it's very difficult to put this into practice. The baby can be a constant reminder of what happened and the wife will often feel very guilty of the resentful feelings that she can't seem to help.

My Husband Cheated and Had a Baby With the Other Woman - Is it Possible to Save the Marriage?

However, I've seen couples who have been able to get help dealing with this and who have been able to turn the situation into a somewhat positive outcome. I've even seen couples who end up raising the child as their own. However, most people need outside help in order to be able to continuously do this in a healthy way.

I've also seen couples struggle greatly with this issue as they try to come up with a scenario that works best for and is bearable to everyone. The wife will often very much want to do the right thing, but there is a lot of resentment because she usually suspects that the other woman got pregnant on purpose or is using the baby to stay in the picture. There is also usually some resentment about the financial responsibilities that the family will now have to address. And the wife will often very much resent the husband's part in this and how his decisions have put them in this situation.

Saving The Marriage After A Baby Is Conceived During The Affair Almost Always Involves Including The Wife In The Healthiest Way Possible: It's not uncommon for wives to tell me that they very much want to keep the husband's baby with the other woman separate from their family. I will often hear things like "I know that this is his child and he must be responsible for it. But, he will have to do that on his own. This baby is not mine and I do not want for this to effect my family. He can do whatever he needs to do but he will have to keep that separate from us." This is understandable. It's often very painful for the wife to have to interact with the child and the other woman.

However, I have to tell you that I very rarely see this work out successfully. Usually, the wife will have serious trust issues every time the husband goes to spend time with the child. She will wonder what is going on between the husband and the other woman every time she isn't there to see what is happening. The husband will usually also struggle with conflicted, guilt feelings. It's natural for him to want to love the child and be a part of his life. But, he will often struggle greatly with the guilt that this invokes and he's very often caught in the middle between wanting to do right by his child and wanting to spare his wife and his family the pain that goes hand and hand with this.

That's why it's often necessary to involve the wife in a way that everyone can live with. Yes, the mistress or other woman may not like this. But, she is going to have to make compromises also. She is this situation because of the actions that she chose to take. The situation is not going to be a perfect one for any of the people involved. But, in order for this to work in a healthy way, every one is going to need to put in the effort to make it work.

The couple will often need to be very clear about every one's roles are going to be. It also helps to make it very clear to the other woman that the husband's relationship with her is limited to the needs of the child and that the couple will remain married and committed to one another. It's important that she understands that although the husband (and his family) will be there for the child, this commitment to the new child is not going to affect his commitment to his wife and his family. Often once the other woman completely understands and accepts this, she will begin to realize it's a waste of time to try to take advantage of the situation and she should now worry about the well being of her own child.

In short, the marriage can sometimes be saved when the husband's affair produces a child with the other woman. But, there are also often many issues to work out and every one will have to make a very conscious effort to put the child and his needs first and to try to interact in the healthiest way as is possible.

My Husband Cheated and Had a Baby With the Other Woman - Is it Possible to Save the Marriage?
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I struggled greatly with truly and completely getting over my husband's affair, but I am now myself again. Although I never would've believed this two years ago, my marriage is stronger than ever. It took a lot of work, and I had to play the game to win, but it was worth it. Our bond and intimacy is much stronger and because of all the work I did on myself, my self esteem is at an all time high. I no longer worry my husband will cheat again. You can read a very personal story on my blog at http://surviving-the-affair.com/

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Friday, November 9, 2012

3 Best Ways To Invest Your Money - Getting Outstanding Returns

The point of investment is to get a return on your capital within a given time frame. The shorter the time frame, the bigger the return, the bigger your compounding result will be each year. Investors focus on getting the biggest possible compounder each year with the least possible risk.

This factor risk defines the quality of an investment. A quality investment is of course an investment where you actually get back your seed capital as well as a percentage margin on top of that capital. So the best ways to invest money are ones where your risk is very low or nill.

There is no such thing as a nill risk investment, there is always some risk. Even the investment of putting your money in a bank has at least some small element of risk involved. This is considered by most investors as the safest investment of all because a bank is a certain kind of business that is actually backed and guaranteed by the government.

3 Best Ways To Invest Your Money - Getting Outstanding Returns

So a bank deposit is the best way to invest your money, if you have several million dollars. The single digit return makes it impractical as a source of passive income for investors with less than at least a million dollars because the returns are too small to live on. But for large capital accounts it is still the safest place to park money.

The next safest investment is real estate because unlike the stock market or mutual funds, your money leaves your hands but you receive something of tangible worth in exchange. This is a very significant thing, because if you compare it to the stock market, you receive nothing more than a receipt for an investment in shares. This receipt is an acknowledgment but it has no intrinsic value in and of itself. The actual paper document you receive has no value.

What this means is that the risk is out of your hands to control. You have passed on the money to someone else and the capacity to control risk is completely absent. Control and risk are very closely connected, so when that control is relinquished, then so the risk factor increases significantly.

The final best way to invest money is a variation on real estate, however it can be used even with small capital accounts. The entry costs of real estate are large, you need a deposit, you have legal costs and other associated expenses. However, you may also invest into investment objects that match your current level of seed capital. For example, you could quite easily buy common goods that are mis priced and sell them at a profit. This sort of transaction can happen as quickly as a week and the return can be quite high. This capacity to rapidly turn over an investment has powerful ramifications on a port folio. If you can buy something for 0 and sell it for 0 that is a 40% mark up, if you can do that in a week, you have quite an investment model if you can maintain those levels of compounding. 0 turns into a million dollars in only 28 such transaction.

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