What Your Home Furniture Says About You

We all have different tastes in many things. It would be a boring staid world if we all liked the same things. Your taste in home furniture is a very personal individual thing and that is why your choices give away a lot about you as a person. My own personal choice of furniture probably says I love comfort. I like lazy days but also like color and can be a little quirky. People that come into my home can make those assumptions simply by looking at the home furniture I choose.

Its easy to stamp your personality on your home, all you need to do is choose home furniture that speaks volumes about you. When choosing your furniture you will automatically have an idea of the kind of thing, you want in your home. There is a massive array of choices you can get in home furniture and there are ranges to suit all tastes. If you want plain and simple you can find that, but if you want statement and individuality then you can also get that.

Most retailers offer many different ranges, and you can get all matching home furniture for any room in the house. If you have taste that is, more eclectic there is some fantastic pieces you can mix in with your other home furniture. When choosing pieces for your home you really can get something that makes it stand out and show your personality or even your eccentricity. So if you want quirky and individual then just go for it.

Nowadays some of our homes double up as work places, and there is home furniture that reflects this change. There is an array of desks and office furniture that will fit into your home/office work-space and you can get ranges to match your other home furniture. If you do have a work-space in your home then why not choose the furniture for it just as carefully as you would any other furniture for your home. There is absolutely no reason why your work-space cant be just as stylish as any other room or area in your house.

Whatever you want, your home to say about you can be expressed in the home furniture you choose for it. Be bold, be different and get some unique pieces. Regardless of what ever you have in your home, a few key pieces can really make the difference between your home being ordinary or extraordinary. Many of us do express our personality in our homes, and the choices you make in your home furniture can help you do that. Our homes are an extension of ourselves and as such should show people your personality.

The Differences Between Drug Addiction and Drug Abuse

A drug problem is an everyday struggle of not only the user, although some users haven’t realized yet that it is a problem, but the users family, friends, or special loved one. You may not instantly determine or realize that someone you care about is having problem with drugs.

People involved with drug problems or know someone who has at times thinks that drug addiction and drug abuse are basically the same thing, and should just be used interchangeably. But actually they are both different terms with different meanings. Complexity revolving drug abuse and definition has become increasingly clear and several efforts have been done to look of the right meaning both terms.

Drug Addiction:

The World Health Organization committee (WHO) had collected numerous of definitions concerning drug abuse and addiction and had suggested a generic term “drug dependence”. This addiction is defined as a disorder wherein the drug user’s behavior is being strongly influenced and dominated by the drug. It is a condition of recurring intoxication that happens when there is constant consumption of drug. It has characteristics of intense need or desire of continuous use, tendency of increasing dosage, unfavorable effects on both individual and society, and dependence on effects.

Drug Abuse:

Drug abuse is defined as the misuse of the drug or substance according the culturally acceptable standard. It is simply an abuse usage of substance which may involve excessive and habitual use in order to attain a certain effect. These so-called substances may be illegal, can be taken from streets and syndicates against the law, or can be legal as well in a form of prescription that are used in a pleasurable manner rather than medical.

Causes of Drug Addiction and Drug Abuse:

As both terms have different definition, their causes are different as well. Drug abuse is more complicated than drug addiction, although drug addiction has more forceful motivational condition. With drug addiction, it comprises the drug’s effect on the brain wherein it can become a strong motivational factor to use the drug again. On the other hand, drug abuse as a misuse of a substance, may or may not go together with a strong motivational factor to continue the use of the drug. In many cases, therefore, drug abuse does not necessarily make drug addiction, but drug addiction can constitute drug abuse.

Patterns of Behavior:

Drug addiction and Drug abuse have basically the same effects. Both have unwanted or unfavorable consequences both to society and the individual. Some symptoms and patterns of behavior of drug addiction and abuse comprise an abnormally slow in speech, reaction or movement, cycles of restlessness, inability of sleep or intensified energy, sudden gain or loss of weight, series of excessive sleep, sudden constant wearing of long-sleeved tops even under high temperature just to hide scars of injection points, loss of physical control, sudden impulse and confidence in doing risky activities, and withdrawal symptoms when trying to stop drug use.

Knowing the fact that drug users are prone to deny their drug-related symptoms and behavior, the family, friends, and loved ones must be sensitive and be more aware of these signs.

Being with a Drug Abuse or Addiction Problem:

At times it is not easily recognizable that someone so important to you is struggling with drug problem. It could be that it has started very early but not noticeable since the progression is slow, and that person might have been good in hiding the level of drug use from you. Or since that drug has been used early on and slowly, you might have easily adapted to the users behavior to the point that it seems normal still. It can be that the realization that someone so important to you is a victim of drugs is painful. You should never feel embarrassed. There are so many people who are in the same position as you. Drug abuse and addiction have affected millions of families all over the world.

There are available help and support everywhere. You can start by looking for support groups locally. Support groups can be in your very own religious area, private or government institutions, and small communities. By just listening to others who share the same experiences and dilemmas can be a very good way of support and give comfort. Other sources to find support and help would include a therapist, spiritual leader, a trusted friend or family member.

Do Travel Agents Get Free Trips? Part 2

Yes: travel agents DO travel for free

There are several scenarios that could allow travel professionals to travel for free. In a previous article, I discussed 4 ways that travel agents do come out of their pocket to pay for their trips. This time around I will explain how they also save and even travel for free.

Booking Groups Could Get You a Free Pass

There are incentives for booking groups (the fact that group travel is the most lucrative bookings in the travel industry should be incentive enough). If an agent books so many rooms (hotel) or cabins (on a cruise), they cold get a free room or cabin or money (not counting the commission) that they could use toward their room or cabin. Of course this all depends on the vendor’s group policy, quantity needed and who is assigned as group leader.

Actually you do not have to be a travel agent to get this benefit I am described above. If you are not a travel agent and you decide to book a group, if you are the group leader, you could very well get these benefits (ask your travel agent they should tell you that up front). This is the only way (outside of a frequent guest program) that a non-travel agent could get perks extended to them… so if you want to get some perks out of your trip…think in groups!

Travel Contests

Another way an agent could go free could be based on sales volume for a specific property or destination in a particular niche. Some travel vendors and agencies may offer free trips to top agents as incentive or awards for sales performance. These kinds of awards are offered as contents too! I’ve seen some really exotic destinations, life a fully expense paid trip to Costa Rica (wow!) offered to contest winners in my agency, which makes it really worth trying to get your sales

Travel Perks can be Good

Agents can sometimes take advantage of extended ‘courtesies’ or perks, which is an added benefit of being in the travel industry. We call them courtesies because no vendor is obligated to extend perks just because a travel professional identifies themselves as such. If an option for a room upgrade or car rental upgrade is available, agents will ask first if of course, and it’s up to the vendor to extend free services, amenities or perks to agents up presentation of valid credentials. These perks may also include shows, attraction tickets, tours and much more.

Agents Travel Free in the Long Run

This is the part I love about being a home-based travel professional! It really is all free in the long run! How is that? Travel professionals are allowed to legitimately write off their travel 100%. Yes, they can, so regardless if you are an agent who paid for their trip, you are in the business of travel, which makes all your travel 100% tax deductable. So if you are a travel agent, the key is to document your trip and save your receipts so you can legally write off your trips at the end of the tax year!

Just to recap, there are 4 main ways travel agents can travel for free:

1. Booking groups and getting room, cabin, or monetary credit
2. Agency and Vendor Contests
3. Perks & upgrades
4. Write-off your travel 100%

Attention All Agents: save those receipts and document, document, document!

How To Travel Vacation And Grow Rich Part 2 of 5

This is about taking advantage of the travel industry’s secrets. Taking that dream vacation at wholesale and making money!

Remember that Expedia was sold for $5.1 Billion Dollars! Wonder why?

I really wondered why such a high price was paid for an internet travel store until researching some important facts.

People love to travel. It is the number one (1) thing that people say that they would do if they had the money and the time to do it. Because of the major trends that are taking place, more and more people now have the time and the money to travel.

So They Are Traveling!!

82% of all travel is booked online meaning, through the internet. 79 million Americans booked their travel on line in 2005.

In the last decade, more than 200,000 travel agents have lost their jobs. By 2004 there were only 103,000 travel agents left in the United States.

People like you and me were buying travel from the Internet Travel Stores.

The travel industry today is a 1.3 Trillion dollar business here in the US.

7 Trillion worldwide. Wouldn’t you like a piece of that! That amounts to $56 million a minute spent on travel in the U.S. alone.

The travel industry is growing 23% faster than the global economy.

Of that economy, tourism accounts for 11% of all consumers spending worldwide.

The travel industry is bigger than the oil business.

There is continued growth of Internet e-commerce. Consumers spend billions on the Internet, and travel is the fastest growing segment of that trend.

Consumers are comfortable buying things such as cars, homes, and, of course travel online.

Baby boomers are retiring at the rate of 1 every 8 seconds and what do they want to do? That’s right, Travel.

Because of this the travel industry is about to experience an explosive boom: it is expected to double to $14 Trillion worldwide in the next 10 years.

Why Would You Or Anyone, Not Want to Own An Internet Travel Store!

Let’s See Why:

You and the people you know are going to travel anyway, so, doesn’t it just make sense to…

1.Get paid for that travel?

2.Make a substantial amount of your personal travel tax deductible rather than paying for it with after tax dollars?

3.Travel as an insider, with potential perks and benefits, rather than as an outsider?

WHY WOULD ANYONE WANT TO THROW MONEY AWAY FOR NO REASON? This Is So Unique—It Has Two Opportunities in one!

1. You own your own travel business with a company supported website and Earn 60% of the commissions from all travel booked on your site!

2. You benefit from the greatest referral compensation plan in the industry and Make money every time you and your Rep team refer someone to the travel business. Just like I am showing you!

I don’t want you to be confused, so the first one is an Online Travel Agency where you have travel credentials and are referred to as a referring travel agent. This is where you make 60% of all commissions on all travel booked on your travel site. You, your friends and family do the booking on your site.

The second is as an Independent Marketing Representative showing your friends about this opportunity. The Company Is Financially Solid

The company was founded in January 2001 and is a wholly owned subsidiary of YTB International, a publicly-traded company (YTB.PK) The last three years the company has gotten the highest award from Carnival Cruise line for travel bookings. WOW

Fashion Style Guide For Men

I’m sure you’ve noticed that all over magazines, TV and the internet lately, the focus is on fall, fall, fall. We’re starting to think about football, Thanksgiving and all of the other terrific things that autumn brings. This also means that you should start to think about transitioning the items in your closet. Although the weather may not yet feel cooler in your corner of the country, it will get there soon. And you will want to be ready to approach the season in style.

When it comes to men’s fashion, the area where a lot of men fall short is in assembling a wardrobe with variety. You’ll notice that any time a male celebrity is cited in the news for his great style, he has a visually interesting, varied, and often colorful outfit. In putting together a stylish wardrobe, you’ll need to include elements of color, pattern and texture.

If you are one who normally has a difficult time assembling a wardrobe that you feel good in, start from the bottom and work up. It can be a lot less intimidating to shop for shoes than other items of clothing, such as pants and suits. Plus, depending on what types of shoes you prefer, this can help to dictate the rest of your stylish look.

A great shoe style for fall of 2011 is a brown suede or leather derby shoe. This is shoe style is truly classic, and can easily be dressed up or down. A good suede shoe will also add the crucial element of texture to your outfit. Now, continue to build up. Your wardrobe of pants should include dark wash denim, flat front khakis, and corduroys. Cord is an excellent fabric for fall, and can be found in all sorts of interesting colors. Don’t be afraid to try something different, such as olive green, burnt orange, plum, or mustard. This would, of course, bring in your element of color.

Now for your top half, an excellent and stylish look for fall is to dress in layers. A look that is great for this fall is to layer a cardigan sweater over a button down shirt or a ribbed cotton tee shirt. Are you cringing at the word “cardigan” because it makes you think of Mr. Rogers? Just look for a cardigan that fits snuggly and isn’t bulky to avoid looking dated. If you find a material, whether it is cotton or wool, that bulges, place the sweater back on the shelf and keep looking. If you are more of a jacket person, look for a cotton and wool sports jacket, and a great faux or real leather jacket in a shade of brown, camel, or reddish brown. These are staples that can be layered over nearly any outfit.

As you shop for shirts, resist the urge to buy the same plain tee shirt in a whole stack of different colors. Your shirt wardrobe definitely needs variety. Plus, ties are an essential for a stylish wardrobe, and you can’t try out a variety of interesting tie knotsif all you wear is tee shirts. Don’t be afraid to wear a patterned dress shirt with a tie of a different pattern. It will work as long as the patterns are in the same color family. This goes for patterns such as paisley and stripes; Glen-Plaid and polka dots; and even polka dots and stripes, which was traditionally thought of as a faux pas. Just anchor the look with neutral pants and perhaps a neutral colored jacket. If you prefer to use pattern in a more subtle way, stick to just one patterned element, such as an argyle scarf looped around your neck.

Remember, the key to building a stylish wardrobe is to include color, pattern, and texture. Don’t be afraid to experiment with new fabrics and looks this fall.

Southern California Travel Agent Location Highlight

Northern California travel agents just aren’t as busy as those who work in LA, mainly because when hearing “California”, most people quickly think about Metropolitan Los Angeles which is recognized for the theme parks, entertainment industry, classy accommodations, busy beaches, superstars, movies and the like.

A Northern California travel agent seldom experiences the hustle and bustle of the agencies in the heart of Los Angeles because their place isn’t so daring and fancy. LA is the residence of the rich and famous along with Hollywood, the Walk of Fame, Grauman’s Chinese Theater, Disneyland, Universal Studios, water parks, Beverly Hills, Kodak Theater and the list goes on. Visiting the residences of stars and their lifestyle is fascinating and watching the shooting of a live TV show is just as exciting. It’s a no shocker that many tourists flock Los Angeles for these purposes.

Shopping additionally draws crowds to LA. Melrose Avenue presents retro stores while the Grove is a superb site to hang out and enjoy the outdoors. Obviously, Rodeo Drive tops the list, if you have the budget for it. Fun destinations such as theme parks, Santa Monica Pier, beaches and boardwalks could all be found in Los Angeles as well. So that is why take you should take the time to visit down south. An instant call to a Southern California travel agent will surely encourage you to take a drive because it is really worth the travel. The Southern part has a lot to offer which Metropolitan Los Angeles can no longer offer since it’s too packed and busy.

Fun in the sun is one of the main attraction of Southern California. It is filled with beautiful and not too busy seashores. Coronado Beach, Black’s Beach and Imperial Beach are only few of the many beach locations with broad sandy shores and crystal clear water. Other water activities draw people to this section of California like Knott’s Soak City Water Park and Sea World in San Diego. For those with little ones, visiting San Diego Zoo is a good idea, having its central African rainforest feel. The zoo recreated the natural home of the animals so children can picture how they live in the wild, furthermore, there’s a petting zoo where children can freely socialize with animals that area safe to be around. A Southern California travel agent offers passes for these fun-filled places.

Apart from “fun in the sun”, heritage lovers drive down south for some museum hopping. A lot of the more popular ones would be the Women’s Hall of Fame, Marston House, Junipero Serra Museum, Museum of Modern Art and the list goes on. What makes the south appealing to tourists is the fact that if offers pleasure from the hustle and bustle in the city. Peaceful respite and quiet leisure is one thing we need from time to time. Though LA is glamorous, it doesn’t capture the whole essence of California. Contact a Southern California travel agent now to explore other exciting places in California.

White Blouse Adds A Fresh Look to Fashion Styles From Professional to Sporty

A white blouse almost never goes out of style. Every woman should own at least one, and probably several, of this example of classic women’s clothing.

A white silk blouse is appropriate for women’s career clothes. It moves with ease from executive suite to evening social event. A white cotton blouse can look as good with jeans as with a business suit. Look for a bit of Dacron or Spandex in the cotton blend to cut down on ironing.

A nice blouse in crisp white can add a fresh look to many outfits. A good-fitting, flattering blouse is an effective way to stretch our clothing dollars and update our wardrobes. Make sure that your white blouse fits properly and flatters your body type. Here are some basics for making sure this classic women’s clothing wardrobe purchase fits properly and is right for you.

  • The shoulder seam should line up with the edge of your shoulder. This seam should not be lower than the place where the shoulder curves steeply downward. If the shoulder seam is higher than your armpit, you will almost certainly feel the shirt binding up uncomfortably when you try it on.
  • The poet’s shirt may comes in many colors but is at its finest as a white cotton blouse. It usually is worn outside of your slacks or skirt. It may even be used as a light jacket, with a T-shirt or tank top underneath. It’s especially easy to buy this style too big, because it is billowy anyway. Check your side image in a mirror. If you look like you are pregnant, try a smaller size shirt.
  • Shirts look neater and flatter the waist when tucked in. Look for a shirt with enough fabric past the waistline so that it won’t pop out of waistbands. Conversely, too much tucked-in fabric can be bulky and spoil the smooth line around our hips.
  • Make sure that long-sleeve shirts cover the wrist bone without covering part of the hand. If you work at a desk, you may want to roll your sleeves to keep them from becoming dirty and frayed. Safari style shirts, with buttons to hold up the sleeves, are ideal.
  • Pockets, ruffles, pleated fronts, and embroidery flatter a woman who wants to enhance her bustline. All of these features are best avoided by a full figured woman who wants to draw attention away from her cleavage.

A new classic in women’s clothing is the fitted silk T-shirt or knit top. This is a fine alternative to a white silk blouse. A ribbed pattern adds a sporty touch. Flat silk knits finishes are more upscale. These come in many sleeve lengths and necklines, including mock turtleneck, crew, V, and sweetheart.

It’s not too much to own more than one white blouse. Choose several so you have this perennial fashion favorite in different styles, fabrics, and sleeve lengths. A sparkling white shirt is crisp, trim, and may be worn with diverse outfits and in many different contexts. Versatility is the definition of a good wardrobe investment, so never hesitate to add a white shirt to your wardrobe.

Are You Looking for Kitchen Furniture?

There is generally one common thread that dominates the criteria for kitchen furniture. It must be attractively functional. Almost anyone can use additional storage or work space in a kitchen. Therefore, if one piece of furniture can serve a dual purpose, it is probably a smart buy.

When shopping for furniture, for your kitchen, you want to buy items that are durable, practical, attractive, and multi- functional. A dining set is a frequently used item so it needs to be well constructed with comfortable chairs. Before buying any piece of furniture, you need to be certain it will fit in the space you have available. It is also important that you stay within your budget. Taking time to do some comparison shopping will enable you to find the best prices on the style of furniture you desire.

Kitchen furniture styles range from rustic to modern. The size of your kitchen will play a vital role in determining the style in which you decorate. Large rustic pieces need to be in a large kitchen. Contemporary and traditional style wooden tables vary greatly in size. You can easily find a wooden table and various other matching pieces of kitchen furniture such as a buffet, side board, baker’s rack, or hutch to match your table. Extension or drop leaf tables are excellent for small kitchens.

Modern style tables such as the bistro style, bar height design, and bar pub table are relatively new designs that are ideal for small kitchens. Many designs include some extra storage space such as a rack for wine bottles and storage for glasses. Kitchen islands that function as work-space and dining space are quite popular among condominium owners and for young singles or couples living in small apartments.

You can mix various styles of furniture to create a functional and attractive kitchen. A retro kitchen bar pub table could effectively be incorporated into a modern style kitchen. Espresso colored furniture is a popular choice for a modern style kitchen. A kitchen is an area that needs to be functional. You don’t want to forfeit function for fashion and you certainly don’t have to.

Must Check Out the New Fashion Styles This Season

During summers, one has got a lot of options but in winters you need to take care about feeling warm as well. So, the options get a bit limited. But still you can flaunt out, all you need is a bit of creativity and fashion sense.

Especially in winters you get these pastel colors like warm caramels, creams, olives, butterscotch, grey and the all time favorite black. You can experiment a lot with these colors and designs available. With this chilly season you need to keep yourself fresh and warm. The most important thing in your wardrobe in winters is jeans. They are available in different colors, patterns and designs. The fashion changes every season and it is completely worth to invest in a nice pair of jeans every season. Skinny jeans are in trend this fall and are likely to remain for quite some time. Also, peg-leg denims along with high heel stilettos are in fashion this season.

If you are working from day to evening then you can definitely opt for dark wash. And if you have got the right attitude then you can also try out bold designs and patterns. Floral, stripes and dots will look amazing if you are brave enough to carry them. Leggings are doing a miracle this winter. They keep you warm as well as make you look stylish. They are available in a wide range of colors from sparkling red to pastel grays. So just try out something new from the basket like golden leggings with a black top. Contrast is one thing that you should remember this season, it is definitely inn. You can also try out a military inspired jacket with royal blue leggings underneath a denim mini-skirt.

Military designs are one of the trendiest designs this season. Crisp shirts, anoraks, vests, canvas skirts, classic khaki design, beige and drab olive will look extremely fabulous if worn in a right manner. You can team them up with some dazzling accessories like bangles, necklace, a wrist band, a watch or some bracelet.

Last but not the least comes the shoes. A nice pair of high boots is compulsory for winters. Next thing which comes up are the mars and converse shoes. For a casual look you can wear converse and for a more feminine and formal look, you can stick to boots.

So, now you are ready to face the winters in a stylish manner.

How to Get a SBA Loan

For our next article we wanted to talk about How to get SBA Loans. Several of our clients purchase SBA ready business plans and are not 100% sure how the process work. We though we should help shed some light on what they are, how they work and the steps in getting the loan.

What is an SBA loan?

SBA loans are term loans from a bank or commercial lending institution of up to 10 years, with the Small Business Administration (SBA) guaranteeing as much as 80 percent of the loan principal.

Who are SBA loans for?

SBA loans are for established small businesses capable of repaying a loan from cash flow, but whose principals may be looking for a longer term to reduce payments or may have inadequate corporate or personal assets to collateralize the loan.

How many loans are available?

Vast. The Small Business Administration guarantees some $12 billion per year in loans.

Best Use of Loans

Purchasing equipment, financing the purchase of a business and in certain instances, working capital. The Small Business Administration guarantee can help borrowers overcome the problems of a weak loan application associated with inadequate collateral or limited operating history.

What are the fees or cost?

Comparatively inexpensive when looking at other loan sources. Maximum allowed interest rates range from highs of prime plus 6.5 percentage points to prime plus 2.75 percentage points, though lenders can and often do charge less. These rates may be higher or lower than rates on non-guaranteed loans. What’s more, banks making SBA loans cannot charge “commitment fees” for agreeing to make a loan, or prepayment fees on loans under 15 year (a prepayment penalty kicks in for longer loans), which means the effective rates for these loans may be, in some instances, superior to those for conventional loans.

Ease of Acquisition

Challenging. Although The Small Business Administration has created streamlined approaches to loan applications, conventional SBA guarantee procedures and protocols pose a significant documentation and administrative challenge for most borrowers.

Range of Funds Typically Available

The Small Business Administration guarantees up to $1 million of loan principal.

Steps in Getting an SBA Loan

While most banks, as well as select commercial finance companies, offer SBA loans, there are two specialized categories worth knowing about. These are Certified Lenders and Preferred Lenders, both of which have entered into contractual relationships with the SBA and officially participate in the Certified Lender/Preferred Lender programs (CLP/PLP).

These lender programs were designed to provide better response to borrowers; they accomplish this goal by placing additional responsibilities on the lenders for analysis, structuring, approval, servicing and liquidation of loans, within The Small Business Administration’s guidelines. About 850 lenders qualify for the SBA’s Certified Lender Program, having met certain criteria, the most important of which, from the borrower’s perspective, is extensive experience in SBA loan-guarantee processing. Certified lenders account for about 4 percent of all SBA business-loan guarantees. Since the certified bank does much of the SBA’s work, the agency offers turnaround times of three business days for processing the application.

Approximately 450 lenders meet preferred lender standards. This group processes approximately 21 percent of loans. Preferred lenders have full lending authority and as a result can offer a one-day turnaround on completed loan applications.

If you are seeking a loan, your best bet is to work with a certified or preferred lender. The SBA-guarantee process is tricky at best, and you want a lender who has been through it more than once