Creșteți iepuri

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Website creation

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The Crisis of Credit Visualized

The Crisis of Credit Visualized from Jonathan Jarvis on Vimeo.

INVISIBLE CHILDREN

www.lracrisistracker.com

KONY 2012 from INVISIBLE CHILDREN on Vimeo.

Getaway

getawayfilm.blogspot.com Videoclipul nu mai există.

Visuals 2

Visuals 2 from dan callahan on Vimeo.

Eye Macro

Eye Macro from BabaBC on Vimeo.

Cocoșul și găina

Săpam eu liniștit în grădină când mă trezesc cu găinile lângă mine,în săpătură.Nu le-am închis bine ușa,a bătut vântul a deschis-o și atât le-a trebuit găinilor și cocoșului.

This is pure beauty

www.thisisnotporn.net

POV of Stefan Häusl and his Recon Instruments

Tennessee's finest part 2 : iPAINTeveryday 446

Creating A Budget For Yourself Can Dramatically Improve Your Severe Debt Issues

Figuring out a budget is something that too many people have difficulty with and there is definitely no doubt about that. Unfortunately people, including myself, are just not educated enough about finding debt relief by having the ability to properly manage a well balanced budget. Following a strict budget each month or week, however you would want to do it, is no doubt the best way for everyone to improve their debt condition. This is something that you should all really have already started thinking about because knowing how to manage your money properly and being consistent with it, will drastically pay off down the road. You will finally be able to enjoy your life completely, without all of the worries that come along for anyone who is just totally overloaded with debt over debt over debt. Your budget will make it possible for you to recognize that you can survive every single month, not just survive though, much better than that, you could potentially have a little bit of extra money each and every month! How fabulous would that be people? You know you want it, you know you are exhausted thinking about your debt, so get up off that couch and stop pitying yourself, try fixing your debt problems instead of forgetting about them! Allow your budget to work for you, no matter what might come up unexpectedly. If you can do this month after month, I do believe that you are just really going to be shocked by the wonderful results. You will have so much more confidence each day just knowing that you can make it on your own, you are a responsible, mature and highly intelligent individual. Learning about managing your money and following strict budgets at an early age in life sure did pay off for you as an adult, aren't you so proud of yourself! Most of us do have a great deal in common unfortunately, whenever it comes to spending more money than we can truly afford to spend each month and it is definitely a very serious problem, or could eventually become a serious debt concern of yours. Creating this amazing budget for yourself can dramatically improve your severe debt issues for good, how fantastic does that sound? Take the time out of your busy and very hectic schedule, sit down, take a deep breath and prepare yourself for this fun and exciting learning experience. You will learn so much about yourself once you have prepared a budget for yourself, to follow each and everyday that passes, that is going to rid you from all your debt. It will definitely be an eye opener for many of you out there that tend to go a little overboard from time to time when you are out shopping around for things. Debt is your worst enemy so if you can do anything at all to prevent this from occurring with you all throughout your fun life, start at an early age figuring out how you will follow your budget each month and make it work.

Learn To Draw A Flame

Fire is one of the most beautiful subjects that artists of all medium can have. Being able to draw it with as much proximity, beauty and delicateness as with the real form is considered to be quite a challenge and achievement for many artists. In fact, a lot of people say that once you learn to draw a flame, you are somewhat equipped to draw furthermore complicated subjects. What most aspiring artists do not know is that drawing a flame could be simple. It just takes much precise observation compared to drawing still life objects like chairs or tables. So, here are the basics of what you should know in order to start drawing a flame. Get Some Inspiration Fire is one element of nature that is both magical and whimsical. It could really be addicting and relaxing by just staring at it; so if you want to draw it, then there’s no better way to start but by getting some inspiration. No, you do not have to burn the whole house and watch as the flames go up. A mere match or lighter would do. Light up the match and look at the flame for some time. Try to keep the image in your head, just like a movie that keeps on playing back. Get Shaped Up! You should first decide what shape you would want your flame to be. At this point, try not to delve too much on the details of your subject or other complicated elements. Just think about the shape. Start exercising your imagination and visualize a shape. Generally, most aspiring artists that want to master drawing this kind of subject start out by making use of the “S” shape. Thus, the term “S-shaped flame”. This is a favourite for beginners since it is one of the easiest to draw. If you decide on using this shape, then it would be your drawing’s outer shell. How About The Internal Structure? Next, you should think about the internal structure of your drawing. As soon as you have your chosen shape and you have drawn it on your paper, think about what you want to place inside. Visualize a design that you would want to place within your shape. There is basically no limit in choosing a design and there are different variations available for you to play and experiment with. For instance, you can draw a smaller version of your outer shell’s shape. So, if you have a S-shape for an outer shell, then you can place a smaller S-shape inside. You can place only one or even a number of smaller S-shaped flames with different sizes and shapes inside. It is all basically up to you. Add Some Color Although flames can be drawn in both black and white, and color, opting for the first one would require mastery of shading. For beginners coloring is recommended. Doing this would give life to your drawing. So, add some color to your flame. Recall what the flame looked like when you lit up the match or when you lit up the lighter. If possible try to light a fire again, just to see the actual colors. Observe closely. See the difference of the inside portion of the flame with the outside. If you look closely, you would see that the tip is colored blue, in most cases. The core also has this color. However, as you go farther out from the core, you would observe that hues of yellow, orange and red have appeared. Use your imagination and try to blend these said colors in your drawing. Arrange them as how your model flame looked like.

Reading RSS Feeds with an RSS Aggregator

RSS or Really Simple Syndication or Rich Site Summary is the latest information management tool that is gradually earning popularity among web users and website owners. With RSS technology, it is possible to get the latest postings from your favorite websites. But clicking on the RSS or XML button in a homepage is not enough to give you the service you need. An RSS feed or code displayed in the pop-up screen if not on the main page is composed of symbols and words that would only make sense to advanced RSS users and computer programmers and software enthusiasts. Another software tool called an RSS aggregator or reader is needed. An aggregator works by scanning the worldwide web with latest postings based on the RSS code (containing the website’s URL) provided or added by the user. When it finds a new posting, news, or update, it will publish the RSS feed on your home page containing the title of the posting, which also serves as a clickable link to the website source. This RSS feed may or may not contain the whole article, a summary, and photos, depending on what RSS aggregator you are using. Aggregators come in two types: the downloadable program or desktop-type and the online or web-based type. The desktop aggregator usually charges a certain amount for its services; this would include regular updating in the form of upgrades or patches to the original version. This type of RSS reader allows more customization of RSS feeds as well as page format or design over its on-line counterparts. But of course, price can be a drawback. On-line or web-based aggregators are free of charge. All you need to do is register an account with them then you can start enjoying their services. Depending on the “brand” of the aggregator, customization is more limited. Some even do not allow you to customize at all. Product and service advertisers are realizing the potential of RSS aggregators in internet marketing. In fact, several submit RSS codes to several popular web-based aggregators to reach the growing technophile and internet-based market. My Yahoo has been instrumental in popularizing RSS technology to both users and website owners and advertisers. At present, there are many aggregators to choose from and newer versions of the same aggregator are constantly developed by its programmers. Below are some of these desktop and online aggregators: Desktop Aggregators 1. AmphetaDesk Advantages: - free - supports Linux, Mac, and Windows - easy addition of RSS feeds Disadvantages: - not maximized use of screen display - few options for customizing 2. FeedDemon Advantages: - user friendly - free trial version - contains prepared popular feeds - allows filtering of RSS feeds - configurable “watch list” to manage junk RSS feeds - search channel feature that incorporates other RSS services e.g. Feedster - allows feed storage for future use - tabbed browsers for channel navigation - built-in podcast receiver Disadvantages: - supports only Internet Explorer (embedded) - paid software (`$29.95) Online Aggregators 1. Bloglines Advantages: - all major browsers supported (e.g. Netscape Navigator, Internet Explorer, Firefox) - user-friendly especially for beginners - free, web-based aggregator - easy registration - no advertisements - contains its own directory of RSS feeds of thousands of websites - personal email account for subscribing to newsletter emails (optional) - allows privacy adjustments for personal blogs - allows saved searches - mobile version available - 10 languages supported - Additional add-on tools for automated blogrolls and subscription buttons 2. NewsGator Advantages: - free (consumer-standard version) - provides personalized news channel - allows translation of RSS articles into email format - synchronization of feeds in several devices possible - browse and search feed capabilities save time on surfing - allows keyword filtering - blog headlines - button-click automatic subscription to news feeds Disadvantage: - Outlook-based thus limited to Windows 3. My Yahoo Advantages: - Free web-based aggregator - user-friendly - customizable home page design - button-click subscription to RSS feeds - built-in directory and search tool for feeds - wide variety of feeds e.g. news (science, technology, local), weather - connects to all Yahoo features and services Disadvantage - banner advertisements There are also lightweight RSS aggregator extensions which are actually plug-ins to existing internet browsers. An example of which is Sage aggregator. Advantages: - free of charge - beginner-friendly - reeds both RSS and Atom feeds - allows feed discovery - can be assimilated to Firefox bookmark (storage and live) - allows OPML feed lists imports and exports - customizable style sheets - supports a wide range of locales e.g. Catalan, Italian, Japanese, Spanish, Korean, Polish, Slovenian, etc. - easy installation Disadvantages: - good for about 12 RSS feeds - limited use to Mozilla-Firefox and Mozilla-Firefox supported browsers RSS developers promise better features in future versions of their aggregators. Microsoft is planning to include a built-in aggregator in their next Windows version. These developments are definitely something to look forward to by all internet aficionados.

Net

www.microsoft.com/net

Poze,peisaje,link

poze-peisaje.blogspot.com

Înfloresc magnoliile

S-a dus iarna.

Flori de câmp galbene

Motociclist pe deal

Și eu m-am plimbat pe dealul respectiv,dar cu bicicleta.E,a mai evoluat lumea,acum se plimbă cu motocicletele,și chiar cu mașinile.

Vitamin B2

Foto

Adevăruri despre viața de azi

Prezentate acum câți ani?Superb video,buni actori.Realitatea bate filmul?

All You Need To Know About Blog Hosts

Apart from the chat rooms, instant messengers and electronic mails created for communication and dialogue beyond turf are the emerging innovations that help man build opportunities for interaction. The need for a personalized and human face aspect of building online communities is slowly changing the technological landscape of the Internet.

 Blogs / “weblogs” or blogging are the newest gift of Internet technology to people all over the world. These are updated posts, crop up entries or personalized life snippets, of mundane or bizarre in nature. For most, a “blog” is a personal, unedited, and authentic journal meant to be shared in an online community. Blog site is a place where bloggers can publish anything; his thoughts, feelings, photos, special events, experiences, comments on issues and so on. It is more of an online diary with videos, links, documents, newsletters and opinions on just about any topics you are interested. Blogs are made to welcome the insights and opinions of all and therefore, should not be written to sound intimidating and too formal.
This kind of blog is a sure way to put off the readers. In the basics of blogging, conversational tone would be more appropriate to reach the desired audience. Blogging is all about individuals reaching out to other individuals. Having a blog has its own set of advantages:
 Freedom of Expression.

 If you want people to hear you out and give their own opinion, this is the best way to create a line of communication; ? Networking is at its best. Having a blog is a good platform for exchanging genuine ideas from consumers to you as marketer of a certain product. Sound opinion and point of view is better than just showing the price quote;
  Excellent advertising platform. Blogging is a new way to advertise products, a refreshing change from the traditional advertising outlets and it is cost-effective. ? Gauging public opinion on products and services. The key is nice and catchy titles with new ideas presented in your content. This is an assurance of quick and repeated responses from your readers. Blogs is an excellent spot for the exchange of ideas between the seller and the consumer. Good for measuring public opinion regarding services and products, even political and business matters alike.
 Useful tool for internal communication. This will help your company to build a knowledge-based community of employees. Also good for harnessing employee relations and identifying human resource issues in advance.

 Other benefits like search engine optimization (SEO) will help your blogs to be seen often by as many people as you wish. This is very good exposure for your products and services. Many blog hosting services are available on the Internet. But the basic question is which one of the services will be the best to start off your business blog program? Business people are usually clueless to recent technological innovations which would help them maximize their marketing potentials. For these beginners, it is best to study first the services offered by blog hosts. An ineffective business blogging program may damage marketing opportunities instead of enriching them. A company may decide to do the following depending on its capacity and needs:
1) Host their own blog service,
2) Pay someone else to host the service, or
3) Setup a “blog aggregator page” and ask the employees to select their blog hosting services individually.
There are paid and free services available for individuals. For business blogs, they are required to have the latest blogging features; if not, this will prevent them from maximizing their marketing, public relations and SEO potentials. Keep in mind that blogs should have the following basic essentials:
 COMMENTS.
 Welcoming comments provide opportunity for dialogue. In business blogs, they are a good customer feedback mechanism. This helps develop better customer relations based from loyalty and trust. Blogging is an innovative way to converse with your customers.
TRACKBACK.
This helps in maximizing company and product exposure. Through this service, consumers can get back to you for more posts and updates without the difficulty of locating you. If your blog is popular in a specific online community chances are links going back to your blog site are everywhere online, other blog sites or even websites.
CATEGORIES AND TAGS.
These both help in classifying blog searches for ease of navigation and on site search. Categories act as libraries because it classifies posts by subject matter such as business, distance learning, e-commerce, online auctions, etc. Tags, help in the classification, especially in the blog search engine Technorati. Possible customers and new clients locate blogs about certain topics of interest by just clicking the tags.
RSS FEED.
 Really Simple Syndication is the feed from your blog that is sent out over the internet, and collected through the various newsreaders and aggregators. If your company is to establish a business blogging program, considerable options should be made available by the hosting companies shortlisted for the services. Free blog hosting services are popular but they are much appropriate for individual online journals. Paid blog hosting services offer unlimited packages best for your company’s needs. You may want to suggest checking out some blogs that use the host first, read and examine their layout and design. Another important thing to consider is a reliable technical support the host has. After, choosing the blog host, a team should be ready to plan the design and structure of the blog: The team should:
- create a style that meets the needs of the audience;
- establish an open, credible tone;
- schedule weekly updating of blog - ideally, a few times a week;
- include weblinks of other website and blogs;
 - blog post should be in the “first person;”
- focus on the business blog objective; and,
 - maintain an honest, engaging conversational quality. Remember, whatever the look, style and content found on your blog is a reflection of you and your company.

Fabrika - gadalka

Superb!

Russian Song

Floricică galbenă

Flori de primăvară.De iarnă au fost destule.

Collection Harassment & Resolving Debt Pt. 2

In the last section we covered your rights against harassment and abuse by collectors. We also covered some options that your creditor may have to help you resolve your delinquent debt. Again I repeat that this is not legal advice but a guideline of your rights and options.

Before we begin I would like to share a little info about myself. I was a collector for about 10 years until health problems forced me to leave the profession in 2003. I was really proficient and often resolved account no one else could. My supervisors would sometimes have poor performers sit next to me and the next month they would be getting bonus money. With that experience I may have some insight to share.

If your account is in collections and you simply can’t catch them up you still have options. We will explore all of them.

1) Check with your creditor to see what programs they may have to assist.

2) Pay the furthest past due payment each month.-This doesn’t catch you up ever but it keeps the situation from getting worse

3) Consumer Credit Counseling--- there are many different organizations that do this. Some of them are businesses, some are not for profit. Check with the United Way. You simply pay them a set amount each month and they disperse it to your creditors. Most creditors will give special benefits to someone on this program. Typically they will bring the account current after 3 consecutive payments. (Similar to the cure program discussed in previous chapter) Since your account is current then, there are no late fees assessed. Additionally and perhaps even more beneficial is that most will reduce interest. Typically they drop the interest rate, usually to 6%-9%. Your creditors policy may be different. Your creditor will probably close your account for future charges with this option. In some case this option may save your creditor from being ruined by late payments.

4) Bankruptcy—This is also an option. Individual bankruptcy can be either 1 of 2 chapters.

7 is a straight liquidation. In other words, all of your unsecured debt is wiped out if the court approves your bankruptcy. You still must pay for your secured debts if you wish to keep them. The court MAY force you to sell some of your assets. But just because you file Chapter 7 doesn’t mean you will lose your home or car. If you are at this point I strongly advise you to consult an attorney on what filing would mean to you.

Chapter 13 is similar except that your delinquent payments are paid over a period of 3 to 5 years in addition to your current payments. You may have to pay all, none or a small percentage of your unsecured debt over the term of the plan. Again if you feel this is an option then consult an attorney. If you decide this is the option for you then be aware of these facts. Once you notify your creditor that you have retained an attorney for bankruptcy and give them the attorneys name and a way to contact them, the creditor MUST stop all collection activity for “ a reasonable time”. Once the case has been filed they must stop all collection activity against you.

FAQ Q I mentioned to the collectors that I may file bankruptcy. They said not to because my credit will be ruined for 10 years. Is this true. A. First lets look at who told you that. A collector. His/her job is to get you to pay the debt. He may or may not get a bonus off getting you to pay. What is true is that it will report on your credit bureau for up to 10 years. Maybe even less. Will you ever be able to get credit again? Most likely. It depends on many factors. What is true that it may be more difficult to get credit but not impossible. You may also pay a higher interest rate than you would if you had never went past due.

I personally had to file a chapter 7 in 1996 after my son was in accident with medical bills over ˝ million dollars. 30 days after the case was finalized I was able to get financed on a 1-year-old truck with no money down. 18 months later I had credit cards and had purchased a house and got it financed.

There are lenders whom will finance you but they charge higher interest rates This is called “sub-prime lending” Just because you are behind on your bills and cant catch up the past due payments doesn’t always mean you should file bankruptcy.

Communicate with your creditor first and see what options are available, look into credit counseling to see if they can help. New laws coming into effect may make that a requirement before bankruptcy can be filed.

Q I got 4 months behind on my bills when I lost my job. I got caught up but my creditor will not fix my credit. What can I do to make them remove the bad mark against me. An If you where 4 months past due and they are reporting that, they are following the law. If a creditor reports they must report accurately This quote is from the Fair Credit Reporting Act “Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. “ In other words, they can’t report that you weren’t past due if you where and vice versa. The only way they can change a report is if it was due to the fault of the creditor. (i.e. payments posted to wrong account)

However you can place a statement into your credit file that explains any derogatory info. (i.e I was behind because of unemployment) As long as that negative information is on file that statement must accompany it. It is up to the person with whom you applied to for credit who makes the decision of if you are granted credit or not. The credit bureaus do not determine if you get credit. They simply relay your score which is based a many factors such as payment history, recent inquiries, % of total credit available to you that you have used, and income to debt ratio.

Tot să ardă...

Fotografiile au fost făcute de la distanță mare,nu au ieșit foarte bine.Dar ce contează,foc să ardă,fum să iasă,din avion să se vadă.Să știe toată lumea cum se curăță pășunile în România.Pășuni,vorba vine,îs pline de mușuroaie și de scaieți...

May 13, 2011

Stop

Foc să ardă miriștea

Purificarea prin foc rămâne în continuare singura soluție a țăranului român în lupta cu uscăturile.

Repay Your Debts with Ease

A person opts for a loan when he doesn’t have sufficient finances to meet his necessities. There are a number of people who are poor at handling the finances. Over a period of time if the debts are not repaid it leads to the accumulation of debts. To avoid such a situation one should always repay any loans taken on time. If calculated properly one would get to know the high rates of interest and the huge late payment fees that are associated with any loan amount. One should try to avoid such a situation, but if one is already going through such a situation the best way out is the debt consolidation loan. If a person accumulates a huge amount of debt, then he is required to pay the debts at a very high rate of interest. Most people keep accumulating the debts by not paying the bills at the right time. The bill amount keeps appreciating due to the heavy interest that is levied on it and finally a financial crisis is reached. Thus to help such people get over the debts, the financial institutions have introduced the new loan schemes known as the debt consolidation loan. The main advantage of the debt consolidation loan is the low rate of interest that is charged as compared to the very high interest that a borrower is required to pay at the huge debts. The debt consolidation is very important because if the debt amount is not repaid on time the amount of debt keeps increasing and a person is never able to repay back the debt. There are various debt consolidation plans that have been introduced lately to help people recover from the bad credit. The main problem with bad credit is that a person carrying a bad credit history is never allowed to take a loan. Every financial institution enquires about the credit history of a person before lending the money. Under these conditions an individual should think over the debt consolidation. Debt consolidation includes the techniques to get rid of the debts accumulated over the number off years; the best way to get over the debt is to raise money to consolidate it. Also the earnings are considered for deciding the loan amount that can be issued to a person. Thus one can never get any loan unless the debts are consolidated. The debt consolidation is the only solution to help you recover from the accumulated debts. One must try to repay the debts as soon as possible by opting for the debt consolidation plans. It might sound silly if a person takes a loan to pay of the previous payments, but a profound thinking would lead to the truth. Generally the outstanding debts are charged heavy interests and also a huge amount of late payment fess is added, thus by opting for the loans which are provided at a lower rate of interest one can save some money. Thus it is the best way of getting out of debts.

Drug Detoxification Medical Programs

Drug use and abuse is a major problem in the borders of the United States. There are many people who are addicted to prescription drugs, marijuana, cocaine, crack cocaine, methamphetamine, ecstasy, heroin, along with pretty much any other illegal drug or substance you can think of. Fortunately, there are drug detoxification centers located around the United States in order for these people to get help. Also, if you are reading this then chances are that you or someone you know does have a drug problem. Before helping someone admit themselves to a drug therapy and rehab center, though, you may just want to consider all the benefits of a drug detoxification program. Here are some reasons why you should be involved in one and what these programs contain. Drug Detoxification Works The main reason that drug detoxification centers around the country are so popular is because they work. Of course, admitting yourself to one of these centers is not mandatory, but takes great courage to admit that you have a problem. Fortunately, though, once you do admit that you have a problem and acknowledge that drugs are a major problem in your life, only then can you begin to heal and start the detoxification process. What They Offer Popular drug detoxification centers around the United States offer a full line of services to those who are seeking help from the drugs that they have made their world. The first type of service that they will have patients undergo usually is withdrawal. There will definitely be a medical professional who will administer the withdrawal program, and this is the first step into the drug detox program. Everyone knows that withdrawal from drugs, legal or illegal, can have huge consequences. One of the major problems that people face when trying to rid themselves through the withdrawal process is the feelings, physical and emotional, that they feel during the process. Many of these feeling manifest themselves through the night also, which is why a medical professional will help the patient around-the-clock. Counseling Services Another service that drug detoxification centers usually offer and usually require of their patients is that they undergo counseling sessions. These counseling sessions are usually administered by a professional psychologist, and they are either group therapy sessions or individualized. Chances are that the patients who come to the drug rehab centers will need a little bit of both types of therapy, and both will definitely be offered. Another kind of service that these centers typically offer is career assessment and help. Patients usually do need some sort of path to follow after they leave, which is why this service is offered. When admitting yourself to a drug detoxification center one must realize that they are usually there to stay until they get better and can leave their dependency of drugs. Withdrawing from illegal drugs is a hard road to follow, but if one successfully overcomes illegal drugs then they will be headed down a more positive road in the future!

Veverița la grădină

Veverița se plimba prin grădină în timp ce eu munceam cu drag și spor.Dar cât a fost ea de iute de...coadă tot am reușit să-i fac poze.

Frunza de căpșun

Răsar narcisele

Încet dar sigur răsar și narcisele.

Mantis

Dieses Foto kam mir eben in die Finger und mein erster Gedanke war:

Das muss zu den Sweeties .. ;)))))))))))))Drăgălășenie...

2012 Március

Șopârla se bronzează.

Am câștigat bani folosind grebla

Vorba vine.Mi-am greblat grădina,nu m-a plătit nimeni,dar nici nu am plătit eu pe altcineva.Înseamnă că am câștigat,sau cel puțin am economisit.Dacă trebuia să plătesc pe cineva?Cu cât se mai plătește ziua de lucru?Noroc cu nepoata că s-a plictisit să mai stea,așa că am lăsat totul baltă și am venit acasă.Mai am un pic,o să termin pe luni,apoi foc la gunoaie.