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    Walkers can enjoy the Flint River Greenway in Madison County near Owens Cross Roads. The 1.8 mile paved trail runs through Hays Nature

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    On the average, you can see results faster if you exercise properly coupled with the right nutrition. Yes, professional swimmers do eat a

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Job Opportunities How to Handle Multiple Job Offers

A Guide to Evaluating Different Job Opportunities

Job Opportunities searches are tough—and we often feel lucky to land a single job offer, let alone multiple offers. But it happens. And when it does, it can be overwhelming, confusing, and stressful. This guide is here to walk you through what to do when not one but many companies make you an offer you may not want to refuse, from how to weigh each option to how to explain the situation to a recruiter and how to turn down the one offer (or offers) you don’t want. 

 

How to Weigh Multiple Job Offers 

When you receive multiple jobs offers—or believe that you will receive multiple offers—it’s important to tell any potential employer or recruiter you need time to consider their offer. And now, with that time bought, you can weigh each individual offer against one another.

You must be thorough: Start by researching the companies and compiling the information you find about their pay, benefits, company culture, location, flexibility, job responsibilities, and anything else you believe to be important into a document that makes it easy to weigh the companies against each other. Ask: Does one stand out? You may have your answer.

If it’s still not clear, consider your own career goals: What do you want to be doing not only now but in the future? Can one company help you meet your goals more than the other?

And if you find you have more questions than answers, don’t be afraid to reach back out to company employees and recruiters to get the information you need to make a decision.

If all else fails, trust your instincts. If you feel much more confident about one company or job than the other—but can’t put your finger on why—it’s OK to simply go with your gut. 

Job Opportunities

Talking to Recruiters About Multiple Offers

Should you ever reveal you’ve been offered multiple jobs? That’s a tricky question indeed. 

There are at least two situations you might reveal to a recruiter or potential employer that you have another option on the table. One is if the company you really want to work for has yet to make an offer. By telling the recruiter you’ve already received an offer from another company, he or she may push his or her hiring manager to make a decision and an offer

In this situation, you might say something like, “I’m so excited we’ve gotten this far in the interview process, and I’m confident I can make a strong contribution to the team. But, I do want to let you know that another company has offered me a job. I would truly rather work for you, but the other company has asked I make a decision by X date. Is there any chance you might arrive at a decision about my candidacy by or before that date? I’d appreciate it.”

The second reason you might reveal you’ve received another offer is as a tactic during a salary or benefits negotiation. If the other company’s offer gave better benefits or more pay, you can ask the company you’d like to work for to match (or beat) it in its own offer. 

Try something like, “I want to be transparent in that I’ve been offered another job. This job with your company is my top pick, and I am so very excited about this opportunity. But the other company’s offer includes X pay/benefit. So, is there any wiggle room in your offer to match that pay/vacation time/other added benefit? If so, I would really appreciate it.” 

But both these tactics come with some risk: You could certainly offend a recruiter or their company, who could decide to not give you an offer—or even rescind the one they gave. 

However, if you’re polite and respectful in your approach, a recruiter could value your honesty—and a company may even view you more favorably because you’re in demand. 

 

Learn More- The Advantages In Acquiring Real Estate

 

How to Negotiate the Salary

As we mentioned above, you may decide to use your other offer or offers to negotiate your salary and benefits. However, there are other tried-and-true ways to get a better salary. 

First things first: In order to negotiate your salary, you have to know your worth. You can use Glassdoor’s Know Your Worth tool, which gives you a personalized estimated market value, what others in your field are being paid, and available job listings. Once you have a ballpark for your market worth, you’ll be able to compare it with what the average salary for the position (or positions) for which you’re vying, using the research in the negotiation. 

 

Consider other benefits you can negotiate, too, in addition to your salary, such as vacation time, PTO, bonuses, and more. These things can add a lot of value to your ultimate offer.  

Then, be sure to practice your negotiation at least once—if not twice—before you do it for real. Find someone to listen to your proposal for a salary increase, so that you can feel the cadence of your speaking points out loud in a conversational setting. Much of a successful negotiation boils down to feeling comfortable and practiced—and, of course, confident.

 

How to Decline a Job Offer

You can’t accept all the jobs you’ve been offered. So, how do you say no to the other ones?

Most people choose to turn down a job offer over email, which in most cases is perfectly fine. But, if you really want to go the extra mile, try calling the company. While it’s not for everybody, a phone call offers a more personal touch—and it can also help you avoid the unfortunate miscommunications that sometimes arise from written messages. Also, putting in a little extra effort shows respect for the amount of time and resources the company took in interviewing you. Calling shows you care and are thankful and grateful for their time. 

 

You may be hesitant to explain why you’re turning the job down, but doing so will keep the company from wondering what went wrong, and may even help them improve their hiring process moving forward. Be careful with what exactly you share, though. Something too blunt, such as, “The hiring manager was a jerk,” won’t go over well. However, saying, “I really connected with the team at the other company I was interviewed with” is acceptable.

The Advantages In Acquiring Real Estate

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The world economy peaked with the dot com stock market orgasm blow-off top. Initial real estate tanked in 2006. Then stock markets the world over experienced a large 13 year top. Gold seems to have topped out with a reflation high of $1,912 per ounce. Next, bond prices will tank as the interest rate rises and the value of the U.S. dollar will soar. How can that be?

Overburden with EMI: Equated monthly installment is a commitment by you towards a bank or a financial institution promising them to pay an X amount monthly under any circumstance. EMI can be for a house, car, personal loan etc.. Please remember to get an EMI of more than 50% of your income. Your personal expenses are minimal when you are single but the expenses and responsibilities increase with an increase in every member in a child , perhaps a wife or the family. It is always logical to maintain your EMI’s in control so that in case of redundancy you can afford to pay the EMI for a couple months out of your emergency costs or savings until the time you’re re-employed. Protect your loved ones with an insurance equal to the whole sum of your liabilities that are outstanding.

I know that plastic has a certain time limit on how long it will last . But so does metal when you start seeing it rust. I guess it would depend on where, and how you use your car ramps. But out here in the yard, I like to have flat that wide base that is stitched . It helps hold the weight better than flat points that are.

Never enroll on chandigarh real estate that gives you an online beat. Theydo not give you the quality of audio that’s needed to be considered a specialist and’re time consuming to work with.

Allison finally stepped out of her little girl look to deliver what Tyra Banks would call a”ferocious” photo. That did not happen until the photographer provoked her and gave her instructions. This is a model that manages to deliver pictures week after week. However, she is not someone that photographers like to work with. That isn’t a good thing in the modeling world.

BT Digital TV is one of the leading companies in this field. They can offer BT Vision to start up your choices when it comes to watching television. If you just have Freeview – or worse, you have the major five channels to watch – you will be amazed at what BT Vision must show you.

Three Great Reasons To Wear A miniature Dress To The Club Tonight

On the average, you can see results faster if you exercise properly coupled with the right nutrition. Yes, professional swimmers do eat a lot. Michael Phelps once said he eats 12,000 calories a day. However, you aren’t an Olympic swimmer like him who swims and exercise 5 or more hours a day. So don’t eat as much as the skilled swimmers but just enough for you to receive the bodyshape which you desire.

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Sandra got married and never dreamed 10 years later she would be caught in a nightmare she was not able to escape. Not only did her husband become emotionally abusive, he developed a mental disorder that he refused to get help for. Sandra had spent those 10 years of her marriage being a fantastic spouse and Mother. She never thought about putting her own money aside for an emergency. She always believed that any emergency she’d would be one which she and her husband would face together.

Therefore the best way to construct a swimmer’s body is, guess what? Weight Training. Not any weight training, but specific training designed for you to get a swimmer’s body. This should be combined with interval training cardio exercises to lose body fat and to get the lean hard body appearance.

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It makes you think twice when the saying happens to you that cocktail dresses can only be worn at cocktail parties. The style is the form of semi-formal dress code. When cocktail dresses ends at knee-length, they will instantly give enough needed classy and an elegant look. If the formal occasion you are going to attend is called as evening dresses, a long dress would give you a hand. Match the dress with a Sexy pair of heels and you’re all set to make an indelible fashion statement.

Go slowly and get your prospect to the mood to buy. Do not rush in there and yell”Give me your money”. Take the time to ascertain what the motives are that someone will purchase your product and weave those reasons into a word picture that elevates the prospect’s curiosity and enhances their buying mood.

Overview of the United Arab Emirates (UAE)

By the early twentieth century, a leading source of economic activity was the pearl trade. However, World War I, the Great Depression, and the Japanese invention of the cultured pearl resulted in a significant weakening of the pearling industry. The heavy taxation on pearls imported from the Gulf following World War II by India caused its irreversible decline. As a result, some turned to fishing. But, with little education and no roads or hospitals, the future looked bleak. By the 1930s, the first oil company entered the region and began conducting surveys around Abu Dhabi. In 1962, Abu Dhabi exported its first cargo of crude oil that would play an essential role in the UAE’s development.

Since the 1820s, the English had maintained a presence in this region. In 1853, Britain intervened in the area due to pirate threats and made a permanent truce to provide protection and oversight of the foreign policy. It was explicitly understood that Britain would not colonize the area. This agreement was made with a group known as the Trucial States, which were a collection of sheikdoms in the Persian Gulf. The Trucial States, also referred to as the Trucial Colony, was composed of present-day Bahrain, Qatar, UAE and Oman. Following a period of Arab nationalism and anti-British activity beginning in the 1940s and 1950s, the British eventually relinquished administration of the region in 1971.

On December 2, 1971, the UAE was created by uniting seven of the Trucial States under a unified Constitution: Abu Dhabi, Dubai, Sharjah, Ajman, Umm al Qaiwain, Ras al-Khaimah and Fujairah. Abu Dhabi is the largest of the former territories and is the federal capital. Dubai is second largest of the emirates and is the main port, commercial center, and airport hub. The five other emirates are smaller areas that realize political and economic benefits through alliances with the larger neighbors, Abu Dhabi and Dubai. All seven states are ruled by Sunnis.

The UAE is considered by some to be an autocracy, which is a form of government in which one person possesses unlimited power. There has been even less political reform in this country than in other Gulf States, even Saudi Arabia. International non-governmental organizations (NGOs) have ranked the UAE as having among the least free political systems in the world. In particular, such studies have highlighted the existence of the ‘sheikh’s dilemma’ in the UAE, in which economic but not political reform is pursued. To maintain peace, a ‘ruling bargain’ is implemented where the UAE government distributes oil wealth equitably, while also carefully exploiting a range of ideological, religious, and cultural resources. Others simply state that the UAE exhibits a monarchical presidency led by ruling families on neo-patrimonial lines.

Following the British withdrawal, Sheikh Zayed bin Sultan Al Nahyan became the first president. Sheikh Zayed, once Emir (or ruler) of Abu Dhabi, ruled as UAE’s president for over thirty years until his death on November 2, 2004. Due to oil wealth, Sheikh Zayed became one of the richest individuals in the world with an estimated net worth in excess of $24 billion (USD). Following his death, the eldest son of Sheikh Zayed, Sheikh Khalifa bin Zayed Al Nahyan became President of the UAE. Sheikh Khalifa is the world’s third richest member of a royal family, with an estimated net worth of $19 billion (USD). The presidency of UAE is decided by a vote by the Federal Supreme Court (FSC), a governmental entity in the UAE rather than through an electoral or popular vote. Political parties are strictly prohibited.

The UAE’s highest authority is the Supreme Council of Rulers (SCR). The SCR is given power to initiate policy and reject laws that have been previously passed. Seven hereditary rulers and sometimes their crown princes and closest advisors have control of this governing body. Subordinate to the SCR is the Federal Council of Ministers (COM). The bulk of UAE’s policies and daily affairs are formulated by the COM, which meets more frequently and formally than the SCR. The judicial branch of government is run by the Union Supreme Court. Judges are appointed directly by the UAE president.

The FSC is the highest constitutional authority in the UAE and has both legislative and executive powers. Overseeing the FSC are the rulers from each of the seven emirates. In addition to the FSC, there are both secular and Islam courts in all seven emirates. The secular courts in the UAE rule on criminal, civil, and commercial matters. Family and religious disputes are heard in the Islamic courts. Each emirate has their own government with municipalities and departments.

There is a high degree of political stability in the UAE, and it is the only Arab state to have a working federal system that withstood the test of time. Furthermore, there are many women in all levels of government. This is a positive reflection on the UAE given its Middle East location.

Sheikh Zayed had a foreign policy to not use force over compromise and to become a major donor of overseas aid, such as infrastructure development and humanitarian relief.

Sheikh Kahlifa developed a foreign policy of non-interference in the internal affairs of other countries. He also supported the pursuit of peaceful resolutions of disputes. The UAE has provided support to the Iraqi Government in the form of debt forgiveness and is a strong advocate of instilling peace in the Middle East with help primarily from the USA. In addition, the UAE promotes intercultural and interfaith dialogues with the primary goal of mitigating misunderstanding between faiths and cultures with the belief that such misunderstandings are used as leverage by terrorists and those who harbor them.

There is strong support in the UAE for international institutions such as the United Nations. The UAE signed or ratified laws to protect the rights of people with disabilities and hosted conventions to eradicate torture and cruelty in punishment, suppression of nuclear terrorism and combating human trafficking. Illicit drugs are another problem, as its proximity to South Asia makes it a drug transshipment point for traffickers. Furthermore, being a major financial center, the UAE is at risk of harboring money laundering schemes. The international community is seeking the UAE government to implement controls to mitigate these problems. The UAE is also a supporter of peaceful resolutions in Palestinians with the support of the Gulf Cooperation Council (GCC).

Disputes have existed between the UAE and Iran over the ownership rights to three UAE-based islands. These disputes date back to 2003 when Oman and the UAE signed and ratified boundary agreements for the entire border. Failing to publish the agreement and detailed maps of alignment gave Iran the opportunity to dispute the Tunb and Abu Musa Islands. In October 2009, Iran signed a Memorandum of Understanding to establish a joint commission between itself and the UAE. Furthermore, the UAE has concern over Iran’s nuclear program. Once long-time tensions between Saudi Arabia and the UAE have also abated. The biggest threat to the UAE is an internal regime failure, which would collapse the GCC military.

The UAE’s foreign aid policy is based on the Islamic philosophy of extending a helping hand for the needy to fulfill a duty of all Muslims. Wealth from oil and gas provides the UAE with the means of helping less fortunate countries. Organizations such as the UAE Red Crescent, which provides emergency relief, play an important role in such efforts.

Relations with the USA have been well-maintained and unified with the goal of maintaining a strong alliance with security and economic interests, including stability in the Middle East and the reliable supply of energy to global markets. The UAE is the largest importer in the Arab World of US goods at $144 billion (USD) in 2008. Over 750 US firms have a presence in the UAE, including Bechtel, ExxonMobil, Starbucks and Cold Stone Creamery. (The World Factbook 2009, 15) Following the global recession, the UAE has tried to insulate the local economy while working with multilateral institutions, such as the International Monetary Fund (IMF) and on a bilateral basis to help countries most seriously impacted.

One setback for the UAE is the severe repression of freedom of speech. There are controls restricting the media from criticizing or questioning the actions of policy. The UAE government pushed new media laws past a first legislative hurdle on January 20, 2009, which would restrict the freedom of press. Any journalist who criticizes the royal family or publishes information that is damaging to the economy, Islam, or UAE citizens is fined up to 1,000,000 Emirati Dirhams (AED). The maximum fine is equivalent to about $270,000 USD. Imprisonment is also possible, but rarely enforced, as the industry practices self-censorship. Censorship has also been exercised by the UAE government. Censoring media on UAE’s prison affairs, democratization efforts, and criticism of the ruling family is seen as repressive to the rights of UAE citizens.

For instance, the UAE does not participate in a bankruptcy process as in many Western nations. Debtors unable to meet such obligations are sent to a debtor’s prison and this has been an increasingly occurring affair since the start of the global financial crisis. Many questions have been raised about the ethical nature of this practice, as well as the level of humane treatment at such facilities.

Property rights in the UAE are about forty percent below the global average, according to the Heritage Foundation, due to the considerable influence the ruling families exercise on the judiciary. Corruption and incompetence in the system is rarely challenged. All land in Abu Dhabi is government-owned. Foreigners may obtain mortgages in Dubai. The UAE leads the region in the protection of intellectual property rights.

The population of the UAE is expected to grow from 4.76 million in 2008 to 5.06 million in 2009, a 6.31 percent annual growth rate. The UAE is extremely reliant on expatriates in its workforce. As of 2007, there were an estimated 3.62 million non-UAE nationals versus 864,000 UAE-born nationals. Most labor issues concern expatriates, especially among the unskilled segment. Addressing these issues is an ongoing development.

In the same year there were an estimated 3.08 million males and 1.4 million females. While Arabic is the official language, English is preferred in the international business community of the UAE. Islam is the official religion of the UAE, but all religions are tolerated.

UAE nationals are described as being tolerant, forward-looking individuals who maintain a strong sense of tradition. There is a high standard of living that is shared by many, including a well-developed education system and health services. There are over sixty public and private universities in the UAE. The illiteracy rate is approximately seven percent.

The UAE government supports efforts to develop human services, especially to assist in the empowerment of women and for social welfare programs. Approximately thirty percent of the UAE workforce is comprised of women. While migrants primarily wear Western-style clothing outside of work, the UAE nationals primarily wear traditional clothing in most settings for cultural reasons and to distinguish themselves from foreigners. Rapid advancements in healthcare facilities have drastically reduced infant mortality (to approximately eight out of every 1,000 births in 2008) and raised the average life expectancy age in the UAE (to seventy-seven for men and eighty for women). Social security services amounted to over $600 million (USD) in 2008, providing financial assistance to nearly 38,000 people.

The UAE sought to modernize under President Sheikh Zayed. Today, the country benefits from a vibrant free economy with a significant annual trade surplus. Reform of property laws has led to a boom in real estate and tourism, especially within Dubai. Tourism is expected to increase to 11.2 million tourists to the UAE in 2010.

Using such efforts as free trade zones, the UAE has been able to successfully diversify away from dependence on oil and gas exports. Free trade zones attract significant foreign investment given the incentive of one-hundred percent foreign ownership and tax-free profits, creating thousands of jobs and facilitating a technology transfer. In 2007, the direct foreign investment (DFI) into the UAE was the highest in the region, at around $19 billion (USD). Two of the largest free trade zones in the UAE are the Dubai Media City and Jebel Ali Free Zone. For instance, Jebel Ali Free Zone, a container port terminal, transports over eight million containers of cargo each year and was expected to reach $180 million in profits in 2007. This is more than all of India’s ports combined.

The GDP in the UAE was approximately $199 billion (USD) in 2007 using current prices, which represented a 5.2 percent annual growth rate and is approximately 115 times larger than its GDP in 1971. Major industries are oil and gas, petrochemicals, aluminum, cement, ceramics, ship repair, pharmaceuticals, tourism, transport, real estate and financial services. While many private companies operate six days each week, the government institutions reserve Friday and Saturday as days off.

In 2007, the UAE economy was ranked the twenty-ninth most competitive economy out of forty advanced economies in a study. This puts the country well ahead of any other Middle Eastern nation. According to the study, some of the strengths of the UAE included a government surplus, low national debt and a high national savings rate. Some of the weaknesses include uneven performance, a lack of innovation and entrepreneurship and high inflation, which unofficially has been as high as fifteen percent. In fact, the UAE is now the second largest Arab economy, behind only Saudi Arabia.

Economic growth is anticipated to slow as the country continues to mature and stabilize. Several serious issues hinder the continued UAE economic expansion. The property market throughout the country has issues such as project delays and bank funding shortages. Partially finished commercial buildings can be found primarily in Dubai and Abu Dhabi, and to a lesser extent in the other five emirates The recent decline in fuel prices has had implications on the UAE budget despite efforts to diversify. Furthermore, the UAE government is implementing more stringent lending guidelines for individuals and companies, while UAE banks are reducing exposure to foreign debt. The UAE had a budget surplus in 2006 of 211.3 billion AED. In 2007, the budget surplus increased to 236.15 billion AED.

Despite the efforts by the UAE to become less dependent on natural resources as a source of revenue, petroleum and natural gas exports continue to play an important role in the economy. UAE main export partners are Japan, China, and Iran. Imports into the UAE are mostly machinery and transport equipment, chemicals and food. Its main import partners are the European Union (Germany, UK and Italy), China, India, the US, and Japan. In 2006, the UAE had a trade surplus of 132.38 billion AED and a trade surplus of 135.94 billion AED in 2007.

To support the banks, the government is working on establishing guarantees of banking deposits and supporting low interest rates. Also, major infrastructure projects are being initiated at this time to lock in savings due to the economic downturn. Corporate governance and transparency standards are rising in the UAE as of late to instill international investor confidence in its equity markets.

The AED is currently pegged to the USD at 3.673 AED to every USD. The peg was established in the late 1980s; the current peg was established in 2002. This strategy could work well for the UAE because one of the country’s major sources of revenue is oil, which is denominated in USD. However, this also makes the UAE subject to any and all currency movements in the USD relative to other currencies. One of the major drawbacks of this exchange rate policy is the effect of high inflation in the UAE.

There have been several lessons learned in the UAE following the most recent global recession. First, leaders in both the public and private sectors took note of the correlation and interconnectedness of global market players. Secondly, careful study was undertaken to evaluate the re-recessionary impact on the UAE economy of oil price declines. Despite slowing growth, the UAE still has one of the fastest growing economies in the world. One of the main drivers of economic growth and employment creation in this country has been the consistency of fixed capital investment from the government, public institutions, and private entities. Four primary sectors are attracting investment and providing economic expansion in the UAE: hydrocarbons, manufacturing, transportation and communications and real estate.

Dubai plays a strategic role in the future of the UAE. Since the beginning of the twentieth century, Dubai had become the premier trading post of the Persian Gulf. Today, it is a massive metropolis with a population in excess of two million people. The initial catalyst for the emirate was oil wealth, which was used to invest in infrastructure and facilitated rapid socioeconomic developments starting in the 1970s and 1980s. A pioneering model was then introduced to create a post-oil economy based on diverse industrialization and a variety of specialist free zones. The diverse industrialization included such sectors as commercial infrastructure, light import-substitution, promotion of luxury tourism and a freehold real estate market.

Abu Dhabi, UAE’s political capital, has at least ten percent of the world’s proven hydrocarbon deposits and over ninety percent of UAE oil exports. Through oil-based revenues flowing into the country, the Abu Dhabi Investment Authority (ADIA) has formed to become the largest sovereign wealth fund (SWF) in the world. ADIA has teams of foreign experts that scour the globe for a variety of investment opportunities in the developed world, such as a five-percent stake in Fiat-controlled Ferrari, Southeast Asian emerging markets, and other developing countries (such as investments in Libya’s tourist infrastructure) that are expected to have substantial future growth.

Over the next ten or more years, the UAE and GCC members as a whole are anticipated to receive a windfall from a strong demand-side energy stimulus due primarily to the rapid economic developments in Brazil, Russia, India and China (BRICs). The BRICs were first recognized by a team of economists and other researchers at Goldman Sachs and, according to their predictions, the BRICs will exert considerable pricing pressure on global energy markets over at least the next decade due to their rapid economic development. If this takes place, the UAE will be able to sustain high investment levels and strong welfare-enhancing economic growth. Due to current regional instability and periods of regional violence, which is among the worst in the world, the UAE’s full economic potential from this scenario will unlikely be reached. Nonetheless, the UAE and the rest of the GCC have an opportunity in the coming decades to become one of the most prosperous regions in the world.

Despite impressive economic growth and development, areas of vulnerability within the economic system of the UAE exist. Social welfare systems have tied the government to burdensome distributive practices, which can bread an unproductive mentality among the native population. Secondly, many new sectors are especially reliant on foreign investment and an expanding expatriate workforce. For instance, Dubai has succumbed to not only globalizing but also appears to be Westernizing. Taboo industries for the UAE have been established in Dubai to cater to foreign residents. They include night clubs, movie theaters and bars.

The other five emirates outside of Abu Dhabi and Dubai lack in economic development and growth potential. Ajman and Sharjah are both resided in by Dubai workers looking for cheaper accommodations. Ajman has great stability, with only four rulers since 1900. Sharjah is a city of learning and the arts, representing the cultural capital of the Arab World and has over twenty museums. Umm al-Qaiwain is the second smallest emirate and is relatively unproblematic and politically stable. However, the emirate’s stance on alcohol has created rifts with the UAE rulers. Umm al-Qaiwain licenses the right to sell and consume alcoholic products, like Dubai, but also operates hug shops at beach resorts. Residents in this emirate rely on fishing and cultivating palm trees as primary sources of income. Umm al-Qaiwain is undergoing an architectural renaissance and is rapidly developing. Fujairah is the only emirate on the eastern side of the UAE along the Gulf of Oman and has lowly status in the country’s development process. If it is able to overcome this situation, Fujairah has the potential to become an important alternative port of Dubai and the rest of the UAE.

The emirate benefits from great stability and good neighbor relations. Ras al-Khaimah has experienced instability over the last few decades and is expected to have more internal problems over the near future. It is not oil rich nor near Dubai, but is an important supply of labor into Dubai.

Financial regulation is somewhat complex in the UAE. The DIFC has its own regulator, the DFSA, and its own civil and commercial laws. The rest of the UAE financial system is regulated by the Central Bank of the UAE, The Emirates Securities and Commodities Authority (ESCA) and the Ministry of Economic Planning (MEP).

The Central Bank of the UAE is granted a general power to create rules governing all matters that fall within its authority. Most of the Central Bank’s power focuses on setting monetary policy and bank regulation, rather than regulating the securities market unless it regards anti-money laundering practices.

There is no formal bond market in the UAE. In order for companies to issue debt, they must list the bond offering on a different exchange (such as the London Stock Exchange), through bond dealers in commercial banks or through private placements directly to investors.

Of the seven emirates in the UAE, Dubai has been hit the hardest by the global financial crisis. The volatile situation in Dubai has affected the whole country and, coupled with a fall in oil prices, the IMF estimate a 3.3 percent contraction in the UAE in 2010. Alternatively, UAE officials have expressed optimism about the country’s future in an attempt to instill confidence in the UAE economy.

The GCC states, seek to become a regional financial hubs. Barriers to achieving this goal have risen as a result of the Dubai World crisis and the UAE’s response. International confidence in the ability of GCC to restructure their debts have been questioned as global investors express concern over issues of transparency, accountability and good corporate governance. At the heart of the issue is the region’s reputation for good governance. An even more serious development is whether such problems are symptomatic of a deeper trend. It is expected that international investors will subject the Gulf states to a far greater level of scrutiny in the future.

UAE government-produced research on the economic outlook in 2009 acknowledged that challenges lay ahead due to the financial crisis and global economic downturn, but emphasizes the country’s strong foundation in which to withstand such challenges. The large current account surplus, estimated at $285 billion (USD) in 2008, and the government’s large controlled overseas assets is expected to shield the UAE from a sharp downturn. However, trade and associated industries are anticipating a slowdown in exports in the future. One positive key prospect from this downturn is the expected decline in inflationary pressures in the UAE due to a fall in soft and hard commodity prices.

Liquidity in the banking sector is an issue that is receiving close attention by government officials in the UAE, as non-Abu Dhabi based banks appear to be undercapitalized following a series of profit falls. The property market, especially in Dubai, is very weak and precipitated by negative sentiment and a short supply of funding. Future construction projects are in doubt as leveraged property firms struggle to obtain new capital. Public-funded infrastructure projects, on the other hand, are expected to continue to experience robust growth. For instance, construction on Dubai’s Al Maktoum International Airport will be the world’s largest aviation hub when finished in 2015.

The UAE government literature emphasized that the government will not let any major firm fail. Furthermore, it was highlighted that most leading firms in major sectors such as property, banking and transport are either wholly or partially government-owned and, as such, their debts have an implicit government guarantee.



Source by David J Stone

Castle Drawing – How to Draw a Fantasy Castle

Fantasy castles are really just imaginative drawings based on real existing castles of the world and there are some great sites that feature some extensive photos of actual castles from all around the world. And this is what this article is about, drawing a fantasy inspired castle based upon real life castles.

Although it is best to take certain elements of existing castles and mix and match them to make your castles original, really though a fantasy castle drawing works best when you try to draw them against a fantasy landscape backdrop, as this frames your castle drawing and puts the focus to the viewer of the artwork piece right on the castle regardless where it is positioned in the picture.

Starting with a loose sketch, draw the size and the shape of your castle building and mark out a few of the towers and a bit of the mountain that the castle will be situated, by sketching lightly in draft, you are creating a sense of what you want to achieve, make sure you’re beginning pencil lines begin to lay the foundation of your overall drawing.

Now we need to develop the drawing even further, more sketching is required to work up more of the castle’s structure and the mountain side, a sketchier approach will bring out some wonderful random pencil lines that will help you to place more detail later on and the towers are sketched a little harder with the roofs all marked in, start to add windows at this point and a main entrance to make it more scaled down to a specific castle building.

Sometimes another pencil may be required so use a soft 2b pencil for adding darker lines and some shading where it is needed for the drawing to show some kind of light source and where the darkness falls, much of the details are also added now, like more brickwork detail and rock detail on the mountain side as well as what could be in the background landscape such as a few hills and the moon, you’ll see by now that the castle has come along way from that initial sketch that you did in the first step.

An optional inking of all of the dark areas could be used to make the black ink drawing lines contrast against the white of the papers surface, this is a comic book method that is not really required if you feel that your drawing looks okay the way it does in pencil, so feel free to draw a castle in your own way.



Source by Wayne A Tully

Waking Up On Time With a Timex Alarm Clock

An alarm clock is extremely important to have because it’s always important to get to work on time. However, it’s also important to buy the right alarm style clock. The right clock with an alarm for everyone is one that is durable, will work each and every time, and has nice sounds to wake up to as no one wants to wake up to that awful buzzing sound. Finding the right one could be hard, or it could be easy as long one just buys a Timex alarm clock. Alarm style clocks made by Timex are always a great buy, and that is why this article will discuss three different models offered by Timex.

A very inexpensive model is the Timex Extra Loud LED Alarm Clock, model number T101B. This Timex clock is made especially for deep sleepers who can’t seem to wake up to regular alarms. It allows people to choose between a soft buzzer and a loud buzzer, which can wake up people who tend to be deep sleepers. It has a large snooze button that will provide an extra five minutes of sleep. Also, this particular product can be easily reset with just the press of a button. The only downside to this product is that it only buzzes, which can be an annoying sound to wake up to. However, the price is right at only about $8.

The Timex Solar Powered Radio Controlled Atomic Alarm Clock, model number T065S, is another great model. This Timex alarm clock displays the time, the temperature, the date, and the day of the week on the display screen. The nice thing about this clock is that it has a radio, so one can wake up to his or her favorite radio station each and every day. This particular product is also quite inexpensive as it costs only about $15.

The Timex Color Changing Alarm Cock Radio with Bedtime Beats, model number T205W, is a very unique model. This Timex alarm clock actually changes colors! It displays the time and the radio station on the display screen. What makes this clock special, though, is that it allows people to wake up to the radio, a buzzer, or nature sounds! It looks great, it provides a lot of alarm options, and it’s very inexpensive as it costs only about $25 brand new. I hope this article has been beneficial to those looking for a high quality alarm style clock.



Source by Dave Gorski

Memory Foam Mattress Guide

We’ve all seen the commercials for memory foam showing how it forms to your body and gives support. But for the average consumer, there are more things to consider. What are the different types, what are the advantages and disadvantages, and of course, how much is it going to cost?

There are several factors consider when buying a visco elastic foam mattress. The first is the ILD (indentation load deflection). The ILD is the force required to make a 1in deep depression with a 50in disc in a piece of foam that measures 15 x 15 x 3in. Put more simply, it is the firmness of the memory foam. An ILD of 10-11 is soft, an ILD of 12-16 is firm, and an ILD of 16-20 is extra firm. Most mattresses fall between 12 and 16. Another term for this is IFD (indentation force deflection), but it is the same thing as ILD.

The density of the foam, measured in pounds per cubic foot, should also be considered. You should look for a mattress that measures at least 3 lbs density, as anything else won’t provide enough support. Denser foam is generally better for support and is more durable, but it will trap more heat.

Visco elastic foam mattresses are more expensive than spring mattresses. They range from around $300 to well over $1000. Some of this has to do with the size and features of the mattress, but some of it also has to do with quality. Beware of memory foam mattresses that seem unusually inexpensive, as these are often inferior products.

Advantages of Memory Foam

Memory foam mattresses relieve pressure points found in normal mattresses. They can ease joint pain and back aches, and make for more restful sleep. Since motion is not as easily transferred, you are also less likely to disturb your partner if you share a bed. Furthermore, memory foam generally houses fewer dust mites, which can be a benefit to allergy and asthma sufferers. They are also more durable than regular mattresses.

The Disadvantages

As mentioned above, memory foam traps heat much more than regular mattresses. This can be nice in the winter, but uncomfortable in the summer. New mattresses are often have a chemical smell and should be aired out to get rid of this smell. In some cases the smell causes respiratory irritation. Memory foam may also be unsafe for babies and small children as they could suffocate when the soft foam makes it more difficult to turn over. Also, while ILD ratings make a good reference point, temperature and humidity can alter the firmness of the foam. It is important to test out the mattress yourself before buying.



Source by Alison Wendel

The Dos and Don’ts of Shopping at the Dollar Retailers

As caregivers, we all appreciate a superior offer, primarily in this economy. Purchasing at one particular of the different dollar retailers (The Greenback Shop, The Greenback Tree, The 99 Cent Retailer, and so on.) can shave fairly a bit off your regular monthly house and care supplying funds.

The most important issue to retain in brain when buying at these low cost shops is that they are not held to the high specifications that the grocery merchants are. So you will have to be mindful what you obtain.

The Do Purchases:

Cleansing merchandise are explained to be a very good price at the greenback shops. And if you occur across a title model that you belief, go forward and obtain it. It can be protected.

Usually talking, bleach is bleach is bleach and most of other cleaning goods have the exact ingredients as the name manufacturers. (Veronica Bright of Hub Webpages states that she located a fantastic cleaner known as Indicate Eco-friendly at the Dollar Shop which she says is astounding!) Sponges are normally a superior get, as nicely.

Greeting playing cards are a fantastic greenback retail store find. Brand name title playing cards can price tag as a great deal as $5.00 a piece and at the dollar store, you can uncover properly made cards for as little as fifty cents a piece. I inventory up on the “homemade scrapbook-like” playing cards so that I’m never ever with no the ideal card. I have also observed some really rather and well created Present bags as nicely as paper shred. The ribbon did not look to be a lot of a bargain.

Food stuff storage containers, are considerably less high-priced and from my expertise, hold up as effectively as the grocery keep makes. I purchase the aluminum foil form casserole pans to use for pot lucks and shipped church foods. I’ve also observed tortilla heaters for a dollar.

Faculty Provides can be located more cost-effective at suppliers like Target and Wallmart in the course of again-to-faculty sales but when you discover that you need poster board in January, it’s considerably far better to pay out a dollar than the $3.79 it would price at other merchants. Two sets of tabbed dividers are $1.00 as when compared to $2.50 – $3.00 at business office source retailers.

Movie Evening Candies can be expensive primarily when purchased at the theatre. The dollar outlets have identify model candies in “movie-sized” containers. Although most sugars you should not deteriorate swiftly, it really is even now a superior idea to verify the experation day.

Children’s footwear are truly a superior purchase because their ft mature so speedily. Summer months sandals and flip flops are an especially very good cut price and can be a fun gift for the grandchildren.

Photograph frames can be instead highly-priced in department stores. If you are lucky, you can come across some respectable types now and then at the greenback retail store.

Wine goblets are a great obtain. For just a greenback, you can buy big (we detest people little 4 oz glasses that do not permit the wine to breath or be swirled) sturdy glasses for both red and white wines. Now I’m not advocating that you provide your treatment receiver huge eyeglasses of wine but very long into his 80s, my father beloved wine and continue to had an excellent palate. There shouldn’t be lead in these, but I might do a little bit of study about that.

In accordance to Jeff Yeager, author of “The Cheapskate Following Door”, Spices are a fantastic obtain. I would concur with that if you happen to be not tremendous picky. It’s hard to mess up pepper or parsley but there are other spices that need greater high quality. Bear in mind to check out expiration dates.

Publications and specialty CDs are two of my preferred finds. I’ve observed some excellent existing reads and some attractive inspirational guides for just a dollar every – excellent gift goods. CDs with calming music for mediatation or bubble baths can typically be observed together with getaway CDs – just really don’t be expecting well-identified artists.

Seasonal goods are superior buys if you have not shopped the prior years’ conclusion-of-period sale. Be cautious that just about anything painted (particularly ceramics) may well incorporate direct.

The Don’ts

About-the-counter medicines and nutritional vitamins – As tempting as these are to purchase, I would not do it. As I entioned prior to, the dollar shops are not as effectively controlled and Buyer Stories has said that some nutritional vitamins didn’t have the amount of vitamins that they claimed to have on the label.

Kid’s Toys (apart from for coloring guides). I just wouldn’t have faith in the excellent.

Batteries – Lots of of the battery solutions discovered at the greenback stores are made with carbon zinc, as opposed to lithium, so they do not very last as extended. Carbon zinc can also leak, consequently executing destruction to your electronics.

Plastic and Aluminum Wraps – 1 greenback for 25 feet of aluminum foil is just not a excellent deal.

Pet Foods and Pet Toys – Once again, this is owing to lack of regulation and in my view, shodiness of products.

Gum – Costco is less costly, Amazon even much more so.

Oven mits and kitchen area towels – They’re just also slim and may perhaps not shield you from getting burnt or be pretty absorbent.

Socks – I have located them to be inadequate top quality and NOT smooth. I will say that iVillage disagrees with me and suggests them as a very good purchase. (Shoe Shining blocks are a fantastic benefit at $1.00 for a pack of 2. I’ve seen these at Nordstrom for $5.95 just about every.) I maintain one particular in the automobile in order to promptly wipe off smudges in advance of doctors’ appointments or church provider.)

Electric power cords – Once more, in my feeling, they are poor top quality and could problems your electronics. Duct tape, sand paper, painter’s tape and bungee cords are superior though.

Sodas – Sodas can be found fewer costly in other places.

Child products – Keep away from them owing to deficiency of regulation. (I’ve in no way noticed diapers out there nevertheless.)

Perishables – Certainly and NO A bunch of green onions for a dollar is not a steal when they can be ordered for 79 cents in other places. But I once observed a giant package deal of ginger root for .99 cents – now which is a steal! I also observed some good connoisseur caramel popcorn with almonds and some chocolate lined pretzels (that I normally purchased wholesale for my giftbaskets at $3.00 a package). If you are aware of your normal grocery store price ranges, and there is a brand out there that you believe in, go forward and acquire. Once more, just be certain to verify expiration dates.

Grooming things are iffy but really worth checking out. Shampoo is a good uncover as are scrubbies/loofahs. Merchandise like Chapstick and Vaseline can frequently be discovered there and my incredibly beloved cleaning soap (Yardley oatmeal and almond) is just about generally readily available at the greenback retailer. Nail information, deals of combs, tooth flossing sticks are of benefit. Skip the cotton swabs (far too flimsy and could be dangerous), make-up (thanks to lack of regulation), and make-up remover pads (can I just say UGH!?).

Also remember that several dollar kind suppliers acknowledge coupon codes so do not fail to remember to carry those along.

What are YOUR favored finds?



Resource by Shelley Webb

Best 3 T-Shirts for Screen-Printing

1. Fruit of the Loom Weighty Cotton T-Shirt

Fruit of the Loom delivers a broad vary of promotional T-shirts for monitor-printing but their Hefty Cotton T lasts to be the most well-known in the Uk offering good quality and benefit backed by a recognizable manufacturer. Produced particularly for decoration with a great knit gauge and open up conclusion yarn this shirt can take care of repeat washes and intricate display-prints.

Fruit of the Loom are the only imprint manufacturer to use Belcoro licenced yarn for their materials, yarns that are developed on specialist spinning machines which have been mounted at their production plant in Morocco. This attention to quality fabric indicates the Hefty T offers a far more secure and restricted printing region with much less free fibers and a &#39comfortable hand&#39 sense. Fruit of the Loom are one of the earth&#39s premier vertically integrated producer (meaning they handle all features of production from cotton subject to finished garment), making around 1.9 million T-shirts every single week from their Moroccan primarily based facility by itself. The firm abides by their &#39Fruit Code&#39 – a code of perform that outlines Fruit of the Loom&#39s motivation to producing garments in an moral and environmentally pleasant way. The Fruit of the Loom Major Cotton T is Oeko-Tex accepted and is available in 8 colours and measurements from little to 3XL.

2. Gildan Large Cotton T-Shirt

Gildan is currently the major leisurewear manufacturer in the display-print sector in the US and Canada. Their hefty cotton T is designed from 100% pre-shrunk jersey cotton (apart from the activity and ash gray alternatives which incorporate smaller amounts of polyester for additional sturdiness). 100% United states of america cotton is used, cotton that has been developed and harvested ethically less than USDA and USEPA restrictions.

Other applaudable initiatives include Gildan&#39s progressive BIOTOP wastewater procedure which takes advantage of gravity, sunlight and micro-organisms to correctly eradicate the dyes and substances from the h2o. Gildan have been also the first global maker of primary attire to be accredited by the Truthful Labor Association for their labor compliance program and employ 30,000 folks globally and their significant scale remarkably productive facilities in Central The usa and the Caribbean Basin is shortly to be finished by a production hub in Bangladesh to help growth in Europe and Asia. The Gildan Heavy Cotton T is obtainable in a massive option of 35 shades and measurements modest to 3XL and when monitor-printed presents excellent results each and every time.

3. Starworld Significant T-Shirt

Starworld&#39s large cotton T-shirt is manufactured from 100% ring-spun Egyptian cotton. Ring-spun cotton is made by repeatedly twisting the strands of yarn making the brief hairs of cotton thrust out and offering a good duration of cotton fiber which is more powerful and noticeably softer to the touch. While the significant T has this softer &#39hand&#39 than its rivals arguments can be manufactured for extra trouble in making a easy graphic when display-printed.

Starworld is also a vertically built-in supplier and its creation facilities are monitored and licensed by the Egyptian Minister of Manpower. The firm is WRAP certified (Worldwide Responsible Accredited Production) which assures that personnel are properly trained and get the job done in risk-free environments. The Starworld Hefty T-shirt is out there in 21colors and measurements smaller to 3XL.

Fruit of the Loom T-shirts at the time once again appear out as the most in demand garment for T-shirt printing in our workshop, outselling the closest rivals by some way. This goes to display that the much more distinguished a model is the far more probable individuals are inclined to be attracted to it, risk-free in the understanding that you know what you&#39re finding &#39- even when pretty fantastic choices are offered.



Supply by Richard H Mather

4 Reasons Why Ear Plugs Will Enhance Your Rockstar Vocals

Every person wants to be a rocker these days and everybody needs to action in front of the microphone. Some folks essentially do it. They get the braveness, the follow, the gigs, and then they unleash their rockstar vocals.

Having said that, most untrained singers have a hard time figuring out pitch and balance within a band. It&#39s not actually popular feeling so you need to not expect to be an professional on it.

Having said that, sporting ear plugs in the course of displays, rehearsals, and performances can do miracles. Ear plugs are very simple, nonetheless great and I have 4 motives why you must don them the following time you conduct.

1. You&#39ll learn much better pitch.

Instantly, this is a very very good detail. Each individual very good singer really should sing in pitch. It&#39s like declaring just about every good batter must be in a position to hit the ball. So, why are you heading to create better pitch for your rockstar vocals? For the reason that you can listen to you now.

Have you ever discovered how substantially clearer your voice is when you plug 1 ear? Plug equally of them and see what happens. This is a purely natural reverberation that occurs within your cranium. Choose benefit of this. Soon, you&#39ll be listening to the pitches precisely as the audience does. With any luck ,, you&#39ll discover out that you&#39re not that far off.

2. Hearing other devices is simpler.

When I recommend ear plugs to musicians sometimes I get responses like “I can not listen to anybody” and “Every little thing is way too delicate now.” This is just baloney. The purpose items look that way is mainly because your ears are not employed to them. It&#39s like turning out the lights immediately after you&#39ve been starving at a radiating bulb. You&#39re gonna see all those loud light-weight circles for awhile.

If you wear ear plugs from now on, at every band rehearsal, your ears will change, and you&#39ll get started to notice the authentic melodies of the devices and not the piercing white sound from too much distortion on guitars. Right after your ears have altered you can permit your rockstar vocals lower by way of, making a much rounder, balanced sound.

3. You will not lose your voice as frequently or ever once again.

Getting rid of your voice ought to not be an option for a singer. Your human body is telling you that you&#39re executing a little something incorrect. You&#39re pushing your rockstar vocals way to really hard. If you use your ear plugs, you can develop a significantly greater attuned consciousness of how significantly energy you&#39re training when you complete. It&#39s due to that inner inner recovery I described prior to.

This also can help when you come about to complete in a club or bar with negative monitors. With your naked ears, you may perhaps not hear so great, so you overcompensate and kill your voice. Use your ear plugs and you&#39ll recognize just how a great deal hard work you truly will need to give to have rockstar vocals.

4. You will not shed your hearing.

This is the most noticeable reason to have on ear plugs. Confident, sporting them is heading to assist your consciousness of your personal voice. Nevertheless, your listening to is similarly if not extra significant than your voice. Have you ever occur house from a band rehearsal, or club, or rock display and hear that frequent ringing in your ears? That usually means you&#39ve experienced listening to loss.

I&#39m not saying you&#39re deaf now, but I am stating if your hearing was split into 100,000 partitions, each individual time you read that ringing that usually means you misplaced concerning 50 to 100 partitions each and every time.

Do your ears and your rockstar vocals a favor and get some plugs.

I know for a fact that I&#39ve misplaced fairly a little bit of my listening to given that I neglected to have on ear plugs when I 1st obtained into rock bands. I also know that my singing was pretty awful.

Weaving your ear plugs is likely to assistance establish better pitch, hear your band mates distinct, strengthen your rockstar vocals, and preserve your hearing.

If you come about to catch my band accomplish someday, check my ears. I don ear plugs each and every time and they&#39re blue. That&#39s for the girls.



Supply by Kyle Hoffman