Benefits Of Eating Healthier And How To Incorporate Healthy Foods In Your Diet

Creating healthy recipes involves the combination of good nutrition and good taste. Menus can be easy to prepare and fun to make. Recipes can take 30 minutes or less to prepare. Eating healthy is important but with hectic life styles, menus must be convenient and fit the the time schedules of today's busy lifestyles.

Over 100 Healthy Recipes provides dozens of healthy recipes each with detailed directions for preparation and tips to make sure your meals are a success.

the greater the variety of fresh whole foods you eat, the more essential nutrients you'll get and the healthier you're likely to be. So, in the Healthy Way of Eating,

Creating fast, easy, convenient and delicious ways to enjoy a full variety of foods and healthy cooking methods is just a matter of obtaining recipes that combine all of these essential components.

Searching the web for recipes and menu plans that cross geographic area or culture. Instead, they combine the best methods and ingredients from around the world. blending the tastes of the Mediterranean region with those of Asia by using beneficial Asian seasonings with healthy Mediterranean ingredients for the best of both worlds. The result is both familiar and comfortable, but also unique and exciting.

it?s about being healthy and living a productive and comfortable life. Above all, it is about avoiding the terrible health consequences of carrying around excessive weight.

There are "good" fats and "bad" ones, just like there's good and bad blood cholesterol. Saturated fats and trans fat have bad effects on cholesterol levels. Polyunsaturated fats and monounsaturated fats (such as olive oil, canola oil, soybean oil, and corn oil) have good effects.

The latest studies show that by losing as little as 10 to 20 pounds you can dramatically improve your overall health status, whilst significantly diminishing your risk of disease.

There are certain foods that will provide specific benefits. If you need quick energy you might want to have some carbohydrates, honey is a good choice for quick energy. If your are starting an exercise regimen, you might want peas, oat bran or some past. fresh, organic foods. To find these recipes on the website, follow this link to our recipe assistant, which can be a tremendous help in meal planning.

For more information on healthy eating visit http://www.healthymenumailer.com/articles/ and browse through these articles on healthy eating. If you are ready to make a positive change in your eating habits consider the free trial for our healthy menu mailer

A Financial Analysis of Pantry Incorporated

I truly believe that there are gems found in every sector and industry, regardless of the economic situation. Relative to the grocery store industry, while giants such as Safeway and Kroger hold a large market share in terms of capitalization over the industry, I have found a smaller, middle capitalization stock which has support to be understood as undervalued. This company, Pantry Incorporated (PTRY), after examining its fundamentals and technical features, regardless of recent news, has the capacity, as it has illustrated over the past few years, to continue its momentum and allow investors to claim strong capital gains.

I mentioned that Pantry is still a strong buy regardless of its recent news. Unfortunately, during this previous week, Pantry reported its quarterly earnings. Falling significantly short on its quarterly EPS estimates, Pantry increased cautionary emotions among investors when it claimed that its guidance for 2007 will be slightly lower than first understood. While some investors may claim this piece of news is very pessimistic, regarding the share price Pantry currently trades at, there should not be too much commotion activated among investors. Stating that the tail end of the year?s EPS should sit around 2.75, at Pantry?s current price, the company would maintain a forward looking P/E ratio of about 17 which is significantly below the multiple of both the industry of 22 and near the multiples of large cap rivals of Kroger at 16 and Safeway at 18. While of course investors and shareholders are always looking for growth in a company and having an EPS estimate which is 25% lower than the current reading is not favorable, as an investor, it is important to understand that the economy is slowing declining in terms of growth and most all companies will begin to feel the impact on their respective earnings.

During such times, it is vital for investors to look for value stocks, rather than growth, in defensive areas to maintain a strong and positive portfolio. In addition, because Pantry takes control over numerous convenience stores which supply inelastic goods such as tobacco, alcohol, and grocery items, investing in Pantry may be a wise decision for the next few months when uncertainty is placed on the final outcome of the US economy.

While I mentioned that Pantry is undervalued relative to the industry, it is also important to note that this company has only recently begun trading publicly and has strong growth potential relative to its share price. Examining more closely on the basis of figures, Capital IQ has suggested over the next five years at predetermined growth rate that Pantry, at its current share price, has a PEG ratio of 0.96. Comparing this number to the 1.82 PEG ratio found at both Safeway and Kroger adds extra emphasis that this company is still growing and has the potential, at its current price, to become even more undervalued. Taking a closer look at more unconventional multiple valuations, Pantry has done extraordinary well in reference to sales and revenue as illustrated with its astonishing 0.21 P/S ratio and 0.35 EV/R ratio over the past twelve months. Comparing these numbers to Kroger?s 0.27 and 0.35 respective numbers or even Safeway?s 0.39 and 0.53 respective numbers, Pantry, even as a middle capitalization stock seems to be performing quite well relative to the industry giants. In addition, Pantry also has been producing cash at excellent rates with an EBITDA, a proxy of cash flow, of near 280 million over the past twelve months and a solid profit margin of near 2%. Furthermore, Pantry?s ROE of about 30% is substantially higher than Kroger?s 23% and Safeway?s 14% which again signals that Pantry is taking appropriate measures with the funds it is receiving. Such analysis also acquiesces with the strong current ratio of 1.4 which Pantry holds, which is the only company out of Kroger and Safeway to post more current assets than current liabilities. Overall, when compared to the rest of the industry and the selected leaders, Pantry has lots of potential to improve relative to share price and possibly can continue its strong rally held from the previous six years.

In addition to the numbers, as stated prior, Pantry has grown relative to share price in dramatic fashion since its IPO debut in 1999 and has the strong technical support to advise further growth. Growing over 66% over the past two years and more than 150% over the past three years, Pantry, currently trading near 50 is below the simple moving average for the past 50 days, signaling strong growth potential. In addition, during the most recent quarterly report when the lackluster earnings picture worried some buyers, on high volume, the share price only fell marginally which signals some fairly bullish sentiment from shareholders. Thus, after examining the US economy, the fundamentals, and the technical outlook for Pantry, there is strong evidence to support that this company has all the right pieces to provide shareholders with the opportunity to take in a nice wealth of capital gains.

Dennis Biray presents advice on all kinds of topics ranging from finance and investing to fitness to sports. For more information email him at dbiray@gmail.com, or to view other articles written by him visit http://www.biraynetworks.co.nr

A Financial Analysis of Cenveo Incorporated

In every industry I believe there are a few select stocks, regardless of the economic condition in the nation, which reserve the right to be highly noted as buy recommendations. When looking at the profound but interesting industry of paper products, while there are some excellent choices in the large capitalization range such as with International Paper and Kimberly-Clark, I have found another, more subtle middle capitalization company which contains the fundamentals for potential success. Thus, through not only the fundamentals, but through the charts and economic relevance to profile, I believe Cenveo Incorporated (CVO) provides optimistic sentiments for all investors.

Specifically detailing what Cenveo actually produces, according to Yahoo! Finance?s profile, Cenveo is involved with two major segments relative to ?Envelopes, Forms, and Labels and Commercial Printing? Looking at the former component, while some argument may be presented that such business will decline with the advancement in technology, as a short term investment there will be ample need for these office-required products. I say such sentiment because as companies continue to expand and require official hardcopies of evidence, since Cenveo takes an active role in as a third party supplier of such instruments, there should be no problem, with expanding industries and business, to locate specific firms across North America to deliver service too. In addition, Cenveo?s second segment of business and revenue can be attributed to commercial printing. With use of products such as ?annual reports, car brochures, brand marketing collateral, specialty packaging, and general commercial printing,? because advertising plays such a large role to all companies, having proper hard copied printouts to distribute will always be necessary and effective to lure in more consumers. Furthermore, since the business Cenveo is in does not completely comply with cyclical forces, as printing and paper service will be required during all kinds of economic environments, with a possible economic slowdown approaching, there should not be too much concern of being defensive with your shares of this company.

Nevertheless, as I mention such notable attributes, there may be some concerns relative to fundamentals. While such tentativeness conveys the strength of an intelligent investor, relative to the industry, there should not be too much concern when speaking of Cenveo. When examining the top line over the past few years, revenue growth, while not extraordinary, has illustrated an upward potential for further growth. In addition, some criticism may be placed on unaccomplished earning growth over the past three years, resulting in a loss of 135 million in the fiscal year of 2005. However, because of some high nonrecurring costs, there should be ample evidence over the previous fiscal year to illustrate a much stronger return and EPS for this company. This EPS growth has been extremely positive for this company, as the current P/E ratio of 24.31 and the more important forward P/E ratio of 19.12 are significantly below the industry?s trailing multiple average of 119 (Capital IQ).

While the forward ratio is still higher than industry giants Kimberly Clark or International Paper, there are other more substantial multiples and figures arguing for the case of Cenveo. One of these arguments can be identified after looking at the PEG ratio. Cenveo?s PEG multiple, using growth over the next five years, is substantially lower with a number of 1.28 when compared to Kimberly Clark?s 2.24 or International Paper?s 4.25. In addition Cenveo?s price to sales ratio, enterprise value to revenue ratio, and enterprise value to EBITDA ratio of 0.78, 1.28, and 11.61 respectively for the last twelve months are all lower, signifying value when compared to Kimberly Clark?s 1.89, 2.08, and 9.28 respective numbers. In addition, probably the best attribute for the suggestion of this company can be attested to the amazing ROE number. With a percentage return of close to 490%, it is clear Cenveo is taking advantage of the equity released in terms of helping its company which comes in part from a strong management team. When there are leaders such as Mr. Robert Burton (CEO) and Mr. Sean Sullivan (CFO), the potential for future growth looks favorable with a management team able to make competent decisions.

The ROE handily beats out all other competitors in the industry and most companies in general, and the management team also has a strong return on assets effectiveness of more than 7% which easily beats rivals found with International Paper and large cap stock UPM-Kymmene. Furthermore, Cenveo?s current ratio of 1.6 is also another positive indicator of success as the ratio beats out International Paper?s number of 1.35 and UPM-Kymmene?s respective 1.48. The EBITDA, a cash proxy, for Cenveo also looks quite strong near 170 million over the past twelve months, and while operating cash flow is in the red, the nonrecurring expenses play a large role with such number as more emphasis should be played on the leveraged free cash flow growth amounting to near 40 million dollars over the past twelve months. Thus, after examining the fundamentals, while it may be true that there are other competitors who may have more value attached to their respective price, with a strong management team as illustrated with Cenveo, there is absolutely a strong possibility of upside for this company, regardless the current share price.

However, after looking at the share price, there still may be some negative sentiment when looking at a number near its 52 week high. However, the company, near its 50 and 100 day simple moving average coupled with strong growth to follow the S&P 500 relative to its beta last year allows for strong conviction of a share price rallying in 2007 as history points out a positive year for broad based indexes. Therefore, with a strong profile engaged with a terrific management team allowing for strong fundamentals to occur, I would highly advise researching this company a bit more and making a move to purchase a few shares in the process.

Dennis Biray presents advice on all kinds of topics ranging from finance and investing to fitness to sports. For more information email him at dbiray@gmail.com, or to view other articles written by him visit http://www.biraynetworks.co.nr

A Financial Analysis of MedcoHealth Solutions Incorporated

Like many other industries, drug store companies have been doing quite well for the past six months. With stores like Walgreens, CVS, and Rite Aid all near their respective 52 week highs, there may be some reluctance on the part of investors to commit new capital to these service-sector stocks. Nevertheless, I am firm believer that there is always money and profit to be made, regardless the industry, and I foresee, relative to the drug store business, the company MedcoHealth Solutions (MHS) having the fundamentals and economic support to put capital gains in the banks of shareholders.

As stated on the profile from Yahoo! Finance, MedcoHealth engages in a variety of different services. While only located primarily in the United States, as the baby-boomer generation continues to grow older and becomes more dependent on medical products, there is ample opportunity, especially during times of coming economic slowdown, for profits to remain high relative to the rest of the market. As most of the products and services offered by MedcoHealth are fairly inelastic, as the economy worsens, earnings should not fall in dramatic fashion as the services provided by this company are almost always required, regardless the amount of discretionary income.

When such is the case, earnings do not fall, multiples remain low, and many institutional investors will become overweight on the industries MedcoHealth falls under and send a ripple effect of continued optimism from both the institutional and retail side. In addition after looking at the services provided by MedcoHealth in relation to "plan design, clinical management, pharmacy management, health management, physician services, and Web-based services," because there will never be a decline in the foreseeable future of clients in need of medical services, MedcoHealth will continue to see further share price growth as already indicated with nearly a 150% growth rate over the past four years.

After examining the previous paragraph, many may wonder that other companies in this industry also support such economical sensitive fluctuation patters, and what would make MedcoHealth a better purchase relative to these more well-known companies such as Walgreen or CVS. Looking at MedcoHealth from a historical view, there is strong evidence to support how this company has grown over the past few years. With revenue growth at 7% and 4% over the past two respective fiscal years in chronological order coupled with earnings growth of net income slotted at 25% and 13% during the same time period, MedcoHealth seems to be continuing its strong fundamental growth, supporting the recent run-up in share price over the past few months. Nevertheless, while the recent spike may be a signal for investors to take some profit, the future looks very solid for this company in 2007 as well.

Over the past twelve months the P/E ratio 32, when compared to the industry average of 20, may be considered quite high, and it is possible that this company is overbought. Nevertheless, with MedcoHealth's continued strong earning forecast, the forward looking multiple relative to earnings is closer to 18, below the industry's average. In addition, MedcoHealth's forward multiple is also below industry giants Walgreen's 20 P/E ration and Rite Aid's astonishing 102 ration when examining the next twelve months. Moreover, when looking at some of the more profound multiples, MedcoHealth, over the past twelve months has had a price to sales multiple of 0.41, an enterprise value to revenue ratio of 0.44, and an enterprise value to EBITDA ratio of 11.55 as per Capital IQ. When compared to rivals Walgreen's respective numbers of 0.93, 0.91, and 12.60 and CVS's respective 0.62, 0.74, and 10.14, there is some clear advantage MedcoHealth has, especially in the form of revenue. However, as some may argue, the respective numbers Rite Aid has of 0.19, 0.39, and 10.84 are all below MedcoHealth's, and more superiority should be placed on purchasing shares of the former company. However, it is important to understand that the numbers reported here are trailing, and because Rite Aid is expecting earnings to drop significantly, as a result of the high forward EPS multiple, coupled with MedcoHealth's decreasing P/E ratio of almost 50%, over the next twelve months, if predictions are accurate, there should be more favor placed with MedcoHealth's fundamentals. In addition, the debt to equity ratio for MedcoHealth is astonishing low at a number below 0.20 and below Rite Aid's near 1.5 ration. As such is the case, Rite Aid is responsible for now having a higher enterprise value which will drastically configure the enterprise calculations in disfavor of long term shareholders.

Furthermore, excluding Walgreens, MedcoHealth is the only company out of the other two mentioned to have positive leveraged free cash flow, and also MedcoHealth is the only company in the entire industry to have a positive price to cash flow multiple below 100. While some emphasis may be placed on MedcoHealth's poor ROE and ROA of 7.56%, and 5.5% respectively, both which are below industry averages, if the management team, lead by CEO Mr. David B. Snow, can find a way in improving upon the assets and equity received in terms of more productive use, there is a significant prospective MedcoHealth, relative to share price, skyrockets even further. Thus, after looking at the fundamentals, and comparing these numbers to this company's rivals and industry, there is strong potential in 2007 for MedcoHealth to render some unexpected profit for investors.

Nevertheless, looking at the charts and the more technical side, some negative sentiment may be placed with the stagnant price movement over the past year. With a beta near 0 and a 52 week return of 8.97%, falling short of the S&P 500's phenonomenal 14% return and a current share price trading above the 50 and 200 day moving average, some of the fundamental optimism presented in the previous paragraph may be downgraded. Nevertheless, even at the current price of near 60, I still feel MedcoHealth be a steal for investors, as the fundamentals are the most important indicator in driving the share price for this company. Thus, while it may be wise to begin buy shares a dollar or two cheaper, putting money, even at its current share price, will have amazing potential to be maximized over the course of 2007.

Dennis Biray presents advice on all kinds of topics ranging from finance and investing to fitness to sports. For more information email him at dbiray@gmail.com, or to view other articles written by him visit http://www.biraynetworks.co.nr

Business Loans - Incorporate Them In Your Business Strategy

Business is nothing but a rational use of money with an objective to earn more out of it. Therefore, financial planning assumes a significant proportion. You need good financial planning right from the coming into existence of your business entity. Very often, business plans are there to implement but financial constraints hold you back. In such situations, you can rely on business loans.

Financial planning is a continuous activity. You need to assess your business and formulate financial strategies on a regular basis. Budgetary constraints sometimes push you towards business loans. If you use business finance as a tool to help you grow, then you are in game for a lot of positive results. But, do not over rely on business loans. Your liabilities should never exceed your assets. A sound business should always have the capability to meet its liabilities.

Exploring further on business Loans, it can be said that they are meant to supplement your reserves. Suppose that you have a plan to expand and enter into the overseas market. For this, you need more raw material, more human resource, latest equipment and technology, etc., but your surplus and reserves, as they stand, are inadequate to actualise your plans. In such a situation, business loans will prove a great help.

Business loans can be secured or unsecured. To make a good choice, you should have all the knowledge about these types of loans. Their advantages and disadvantages should be seen in the context of your requirements, preferences, financial status and other circumstances. You cannot decide for a type of loan in isolation. If your preference is that you do not want to give security to the lender, then you should apply for unsecured business loans. Again, if the circumstances demand a huge loan then you may have to rely on secured business loans. Anyhow, take a well-informed decision and carry on with your business plans with conviction.

The author is a business writer specializing in finance. and credit products and has written authoritative articles on the finance industry. He has done his masters in business administration and is currently assisting Adverse-Credit-Business-Loans as a finance specialist. For more information please visit at: http://www.adverse-credit-business-loans.co.uk

Should I Incorporate Fundamental Analysis When Trading a System?

There's a common misconception about "Fundamental Analysis": People tend to think that the market should react in a certain way to news. Example: "Unemployment Rate goes down", which means that the economy is doing better, therefore companies should make more profits and stock prices will move up.

Conclusion: If the unemployment report is positive, the market moves up.

But in reality the markets are driven by greed and fear, and not by supply and demand or anything like this. A report itself is meaningless: It's the traders reaction to the report that moves the market.

Here's a perfect example: On Friday, April 7th 2006 the unemployment rate for March was published. The market expected an unemployment rate of 4.8%, and the numbers came in better than expected:
Only 4.7% (for details see http://biz.yahoo.com/c/ec/200614.html).

That's good news, isn't it? The market should move up, right?
WRONG! On that day the e-mini S&P dropped 20 points. Why?

Well, here are some comments I got from a news-service:
"Not surprisingly, Friday?s equity trade was dictated by the March employment report. More specifically, it was the Treasury market?s reaction to it that set the stage for stocks." ...
"A lack of negative surprise caused the stock market to breathe a sigh of relief."...

"The Treasury market had a very divergent reaction to the data, and it took the stock market down with it. For Treasury traders, the in-line data essentially provided no evidence that the Fed will be inclined to soon end its monetary tightening cycle."

Oups. So the stock traders thought it's good news and the market was moving up, but the treasury trader in the other room thought it's bad data. So treasury instruments were rallying, causing the stock market to drop like a rock. But don't stocks lead the treasuries? Or do treasuries lead stocks? ...

As I am writing these lines another news hits the ticker: Oil prices trading above $69 per barrel. But what does it mean? Should the stock market move up or down? Here's a discussion that I heard this morning:
"As crude oil prices continue to plug higher the debate over what it all really means will begin again. The questions that will be batted back & forth are "Are sky-high oil prices indicative of a coming economic slowdown or looming inflation?"

And more important: How will the Fed react? Will they cease increasing interest rates or even lower the rates again? This would provide a boost for the stock market. Or will traders fear that there's an economic slowdown which might result in lower company earnings? This would move the market down.

As you can see, it's not the news that move the market; it's the reaction of the traders to news that let prices jump up and down.

Now, how should a computer model take these emotions into consideration?

In my opinion there's no way, and I haven't seen any models (incl. artificial intelligence) that is coming somewhat close to this (sometimes really weird) human behavior.

That's why I for one don't incorporate Fundamental Analysis into my trading systems.

Markus Heitkoetter is a 15 year veteran of the markets and the CEO of Rockwell Trading. For more free information and a free eBook "How to make money with trading systems" visit

http://www.rockwelltrading.com and

http://www.futures-trading-systems.net

Incorporate A Disaster Recovery Plan

Nordural ehf's backup system needed to incorporate a Disaster Recovery plan that would reduce the backup window from ten hours to two-three hours.

A Disaster Recovery Plan is a coordinated activity to enable the recovery of IT/business systems due to a disruption. Disaster Recovery can be achieved by restoring IT/business operations at an alternate location, recovering IT/business operations using alternate equipment, and/or performing some or all of the affected business processes using manual methods.

It was essential that Nordural's backup system incorporate a trustworthy Disaster Recovery plan that would reduce its backup window from ten hours to two-three hours. In addition to this, Nordural wanted a Disaster Recovery plan that restored the company's most critical servers to bare metal restore in less than two hours.

Nordural's decision to select the SecurStore Remote Backup Service highlights the strength and flexibility of managed services.

Remote backup (sometimes also referred to as online backup) is a service that provides users with an online system for backing up and storing computer files. Remote backup service providers are companies that provide a software program and space on a server that their client's data is stored on. The software program will run on a client?s computer and (typically) once a day; compress, encrypt and then send the client's data to the remote backup service providers' servers to be stored.

With SecurStore, Nordural had the assurance that all their requirements would be met - from a fast critical restore, to remote backup at multiple locations, to a simple and effective interface for the IT people at Nordural.

"We chose the SecurStore Remote Backup Service because it gives us all round backup and recovery services for our needs, with 24x7x365 support" said Emil Hilmarsson, IT Manager Nordural. SecurStore also provided Nordural with the option of assigning which data is 'critical; and which is 'important' data by using Long Term Storage with the use of Backup Lifecycle Management system that manages data during all backing up and archiving processes.

Backup Lifecycle Management differentiates data into varying levels of protected data: current critical data, which is stored on-line for fast recovery; and archivable data that may be needed at a later time but is not likely to be accessed in the near future.

Alexander Eir?ksson, President of SecurStore Ltd, a remote data backup specialist. http://www.securstore.com

Incorporated - But Are Your Personal Assets Safe

Many small business owners understand the benefit of incorporating, but they don't realize how easy it is to lose their "corporate status" if they get sued or end up in bankruptcy. This is dangerous because then the court can come after their PERSONAL assets (like their house, car, savings, etc)!

Today, I will review a little bit of why incorporating is so important for small business owners, and then tell you five simple steps you can follow to protect your personal assets, even if your business gets sued or goes through bankruptcy.

It makes sense to incorporate for a couple of reasons. First, because it protects you from personal liability, and second, because it offers you some great tax advantages. For today, we're going to just focus on the personal liability part.

When you incorporate, your business becomes like another person. This other person has it's own bank account, it can own things like property, and it can take risks. Even if that "other person" (your business) goes completely bankrupt or gets sued, YOU are safe (assuming you do everything correctly).

This is important because many new businesses fail, but you as the entrepreneur don't want to fail. You want to pick yourself back up and start your NEXT business which will be even more successful. Failure is a necessary way to learn, so we want it to be as painless as possible.

When everything works like it should, then yes, you PERSONALLY are protected. But there are certain situations where your corporate status doesn't help you out, and every business owner should be aware of them!

You see, setting up a company gives you so much protection from liability, that unethical people in the past have tried to take advantage of it. They have created "shell corporations", or businesses just for the purpose of liability protection, to help them get away with various crimes.

Of course, the law had to be modified to weed out these people and make sure they were appropriately prosecuted. But in the process, the requirements for honest small business owners became TOUGHER. Some extra steps are now required to make sure your corporate status stays intact.

By the way, whenever a court decides to waive the corporate protection and actually prosecute the owners behind the company PERSONALLY, they call it "piercing the corporate veil". (Lawyers always like to come up with fancy names for things.)

Following are the top five ways to protect you personal assets then starting a business. Make sure you do these correctly, and you can be sure that even if your business experiences a colossal failure, or gets sued out of existence, at least your personal assets are safe and you can start over.

1. Never Engage in Fraud or any Criminal Act

   This sounds simple, but many small businesses owners unknowingly break the law. Never sell a product you know is defective or doesn't work, misrepresent something in your advertising, forge any signatures, or pull a bait and switch (offer a great deal to get people in the door only to tell them it is out of stock so you can sell a substitute.) Run your business HONESTLY and with INTEGRITY every day, and it will pay off in the long run.

2. Never Misrepresent Your Corporate Officers or Members

   Don't ever lie about who is involved in your company. When it comes time to ask for investors, or get people to support you, you may be tempted to exaggerate about who is actually working with you. If they haven't actually SIGNED your operating agreement, then they aren't your partner.

3. Make Sure Your Follow All Corporate Formalities

   If you are going to claim you are a company, then you'd better act like a company. That means you have to file all important documents and keep them on file (your operating agreement, articles of incorporation, and DBA for example). You also have to keep detailed financial records. In Breaking Free, I provide samples of these documents and show you exactly how to create them yourself. This will literally save you thousands of dollars in legal expense because you won't have to pay a lawyer to create them for you. (Read more below)

4. Keep Your Business and Personal Assets Separate

   The business has to have it's own bank account. The money in that bank account is not YOUR money. It belongs to the business. In fact, if you decide one day come along and take some money out to buy yourself a Hawaiian vacation, that is called embezzlement (a crime)! Many first time business owners (especially if they are the sole owner) don't understand this concept. The money in the company is not theirs. The company is like a separate person, and all assets must be treated as such.

5. Never Treat the Business' Assets as if They Were Your Own

   Don't deposit your personal checks into the corporate account. Don't use company money to finance your personal life and hobbies. Don't lend the company car to your buddy for a weekend excursion. Don't set up a cot in the back of the office and start living there! Again, the business and yourself are two separate people. Treat them accordingly.

With these five basic steps, you will be well on your way to protecting your personal assets in the event your business goes under.

Many successful business people, from Donald Trump to John D. Rockefeller, went through periods of ups and downs in their life. Not every company they bet on was a success. But they managed to survive and lived to fight another day because they where smart enough to INCORPORATE correctly. They followed the above five steps to make sure they wouldn't lose their corporate status in the event of a lawsuit. They made sure that their PERSONAL assets were safe, even if the COMPANY went bankrupt.

Brian Armstrong is the author of Breaking Free, and is an authority on How to Start a Business Learn how to incorporate the easy way and protect your assets in his FREE Online Course Click Now!

Papers Needed To Incorporate A Business In USA

Incorporating a business means separating the business entity from the owner. A legal entity separate from its owner and authorized to have much number of shareholders is called a corporation. It is a form of business in which the owner has limited liability and the business entity has unlimited life, extending it beyond the life of the owner. Unlike sole proprietorship and partnership it protects the owner from having his private properties at risk if anything goes wrong with the business.

There are three incorporation options available for a business owner:

(a) C ? corporation:
A regular corporation or C-corporation facilitates limited personal liability to the owner and he doesn't use his personal income tax return to pay tax on the profit from the corporation. Rather the corporation itself pays out the cash to the government at the lower rate than what the owners of other forms of businesses pay. Setting up a corporation means a fair amount of paper work. Lots of legal formalities are to be rendered before starting a corporation.

(b) LLC- Limited Liability Company:
Like corporations, LLCs facilitate limited liabilities to the owners but as far as tax payment is concerned, LLCs are more like partnership firms as owners report business income on their personal tax returns. This type of business arrangement does not require as much legal formalities as other forms of business require. This is a reason why it can be a good choice for a new business.

(c) S-Corporation:
An S corporation is a corporation that has elected a special tax status with the IRS (Internal Revenue Services). This tax treatment allows the income of the corporation to be treated like the income of a partnership or sole proprietorship; the income is transferred to the shareholders. Thus, shareholder's individual tax returns report the income or loss generated by an S corporation. Like an LLC, an S-corporation provides all the limited liability of a regular corporation, while the owners are also taxed for business income. But unlike an LLC, S-corporations must first be regular corporations before applying for this unique tax-paying status?and continue following all other corporate regulations. All of this indicates that an S-Corporation business structure requires careful consideration and even expert advice before starting.

In order to qualify for S corporation status, the corporation must be a U.S. corporation with not more than 75 of shareholders. It can have only one class of stock. The shareholders must be individuals, estates or certain qualified trusts, who consent in writing to the S corporation election. The shareholders can not be non-resident aliens.

The exact papers needed to be files to form a corporation depend on the laws of the state of incorporation. But the most common and demanded paper is the Article of Incorporation.

(1) Article of Incorporation:
The Article of Incorporation state the primary rules that governs the management of a corporation .A corporation becomes active on the date that the applicable governmental office in the state of incorporation accepts the Article for filing. Filing an Article of Corporation may cost between USD 80 to 800.

(2) Proof of working officers:
Proof to show that the company is run by officers having positions of President, Vice-President and Secretary, is required.

(3) Fictitious Business Name Statement:
Fictitious Business name statement is required to be files. This is also known as DBA which is a short form of "Doing Business As". The governments rule to file DBA is based on the reason that in case of any dispute, legal problems it is easy to keep track of companies by the government authorities. But it also helps to have other licenses and permits like opening a business checking account. This is to be filed to the county clerk of the county where the incorporation is to be started.

It is wise to have a registered agent who provides a registered address for the receipt of legal papers. A registered agent also serves as a local contact for the Secretary of State and other government agencies. The registered agent receives notice of any suits, tax notices, etc. and then forwards them to the corporation. However one can become his own registered agent as long as his address is within the state in which the incorporation is to be established. Additionally, there are various sites which help incorporating online without having an attorney

Why Incorporate Your Business?

If you're like many small business owners, right now you're operating as a sole proprietorship. That's probably not because you've chosen to, but because you've never considered your business as being large or sophisticated enough to need to incorporate in any one of the forms readily available to you ? or maybe you've never thought about it at all. If you're lucky, you'll never have to pay the price for putting off that crucial next step? but that's a very dangerous ?if.?

Sole Proprietors Are Rolling The Dice

Anyone who operates a business, alone or with others, may incorporate. Under the right circumstances, the owner of any size business can benefit.

In today's competitive and unfortunately litigious business climate, you can't afford to throw the dice with your most valuable asset. Your exposure is greater than you may think, both personally and professionally.

This is by far the biggest reason to incorporate or form an LLC. It makes no sense to be a sole proprietorship unless you have no assets or future assets coming. Unfortunately many CPAs advise their clients not to incorporate until they reach a certain profit level. Overall we strongly disagree with this advice because getting sued is so very costly, regardless of whether they win or lose the case. If you are sued as a sole proprietorship, you could lose your personal assets. How?

As a sole proprietor, you personally have unlimited liability if your business is sued.

Insurance Isn't A Fool-Proof Safety Net

Some people consider insurance to be the solution. Insurance will provide some level of protection, but worst case, that protection may be only as good as the legal representation you can afford. True, you can get Errors and Omissions (or ?E&O), business liability, and even officers' and directors' insurance, and a good policy should provide some protection. But NONE of those will help you with protecting the corporate veil. In fact, there is NO insurance policy in existence that can do that.

If you have an insurance claim of $10,000 your insurance company will usually pay it. However, if you have a claim for $900,000, you can expect a visit from your insurance company's attorney. Why? To find a loophole in your policy so they don't have to cover you. And of course, even if they do cover you, your rates will skyrocket ? if your policy isn't cancelled!

Consider these insurance statistics:

? In 1999, 40 insurance companies defaulted and are now out of business.

? By the year 2000, 56 more companies defaulted.

? In fact, according to Standard & Poor, 456 insurers are now considered ? at risk .? Could one of them be yours?

Even those that have stayed in business?

? Have been forced to raise their rates dramatically.

? Other industries such as the construction industry are seeing liability increases from a low of 15% to a high of 100% in a single year. (Source: McGraw Hill)

? In one case, a group home saw their insurance increase from $3,500 to an incredible $35,000 in a single year .

What would that rate hike do to your company?

And here's another problem. If you haven't recently applied for a home loan, a second, or financing for a car, you may not be aware of how times have changed. Five years ago, financial forms asked a very important question: ?Do you have any judgments against you?? That meant, ?Have you been sued, lost the suit, and had a judgment levied against you??

But financial institutions have gotten smarter. They now use a very formalized system to rate levels of risk for loan applicants. One result of that system is that loan application forms today ask a very different question: ?Are you currently involved in a lawsuit?? That means that anyone can try to sue you, for any reason ? frivolous or not ? and if you're in the middle of applying for a new home or car loan you're rated as a much higher risk. And that translates to a lot of money out of your pocket!

Are you willing to forego that dream home, that new car, because of some irresponsible, irrelevant lawsuit? You may not even be able to lease office space. Imagine what that could do to your business.

For more information pertaining to incorporating your business or filing for an LLC, please visit us at http://nvinc.com

Why Incorporate in California?

Incorporating in California is one of the best ways to protect personal assets from creditors and litigators. By operating a business as an incorporated entity in California, the risk of entangling in lawsuits can be diminished. The chances for having an IRS audit can be lowered. Business operating losses may also be deducted.

The primary advantage of forming a corporation in California is personal liability protection. Incorporation in California helps to separate personal assets from that of the business. There is the possibility of law suits against a California Corporation. If so, there are legal provisions and UCC codes to protect owners, shareholders, directors and employees from personal liability. In a sole proprietorship or general partnership, the owners are directly responsible for the debts and obligations of the company. The California Corporation has a separate legal entity from its owners. So if the company has a debt or claim from a law suit, the California Corporation is responsible for it, not the owner.

Another advantage of incorporation is easily transferable ownership, as long as it does not conflict with securities law. A corporation in California works as an independent body, and continues its operations after the owner's demise. The death of an owner or the desire of the owner to sell his interest will be incorporated by the California Corporation.

Tax reduction is possible under certain circumstances. Corporations in California are eligible for more tax deductions than businesses that are not incorporated. An exemption from annual minimum franchise tax is available for newly incorporated or qualified corporations during their first year of business. When compared to the self-employed, the audit rate for Corporations in California is also much lower.

California is corporate-friendly and promotes all kinds of businesses. The conditions in other states are not as strong or favorable to business owners and corporate officers as in California.

California Corporations provides detailed information on California Corporations, California Department Of Corporations, California Corporation Commissions, California Corporation Searches and more. California Corporations is affiliated with Delaware Division Of Corporations

Why Incorporate? What Every Business Owner Should Know

Business has never been better. Word of mouth finally seems to be spreading, every seat in the restaurant is full, you?ve even hired extra staff. So, what now?

If you?re like a lot of small business owners, you?ve been wondering about the benefits of incorporating. But is it really necessary? While things may be going smoothly now, the main reason most people form a legal business entity is to safeguard their personal assets. When you incorporate your business, or form a Limited Liability Company (LLC), you're free to conduct your business without worrying that you might lose your home, car, or personal savings because of a business liability. This is, in fact, one of the best moves you can make to protect your personal property when you own your own business.

Let?s take a closer look at all the benefits of incorporating or forming an LLC:

? Peace of Mind. As I mentioned above, if you operate as a sole proprietorship or general partnership, you're personally responsible for any business debts or lawsuits against your business. Almost anything you own can be at risk! But owners of corporations maintain separate business and personal identities. So if you incorporate your business, your personal assets are protected from any liability incurred.

? Uncle Sam. Corporations are taxed at a lower rate than you are. And when you're incorporated or an LLC, expenses like insurance or travel and entertainment, both for you and your employees, can be tax deductible as business expenses.

? The Name Game. Put simply, an Inc. or LLC after your company name implies a real legitimacy to your business that will impress potential customers, vendors and lenders. It essentially says you're for real, you're committed, and you should command respect. It?s truly one of the big benefits of incorporating.

? Catch the Eye of Investors. When you incorporate your business, you?ll be allowed to attract investors through sale of stock. And investors will feel much more comfortable if they're protected from any liability, too.

? Life Expectancy. Corporations have a business life that extends beyond an owner, principal or partner. So, another of the benefits of incorporating is that it wards off any legal entanglements or even termination of the business in the event of long-term disability or death.

? Trouble-free Transfer. Incorporation allows you to transfer ownership through simple sale of stock.

? Shared Responsibility. While you or a partner may be the ones making the day-to-day decisions, your board of directors (a requirement when you incorporate your business) allows other major investors to review the business periodically and buy into decisions. This lessens the danger of any one or two individuals making a bad decision that could seriously hurt the business.

Still asking, ?Why incorporate?? Well, these are just a few of the benefits of incorporating. Of course, not all that glitters is gold. There may be some drawbacks, too. If you?re still undecided, talk to an attorney, accountant or an online incorporation firm. They can answer your questions and, if you decide to give it a whirl, they can also assist you in setting up your LLC or corporation for a pretty reasonable price.

Samantha Fishman is a web-based investor and entrepreneur. She operates dozens of sites and has an MBA in Technology Management

At What Point In Your Business Should You Incorporate?

If you have been doing business, and are wondering about when you should become incorporated, you should know that at any time, you can make your business official. Perhaps you are a representative for a company, and have been selling their products? Maybe you have a lawn mowing service and are worried about doing business and being incorporated? There is no special time in the business world that you should become a legal business. However, if you see that your business is taking off, and you are wanting to become a LLC or incorporated, there is no reason to put it off.

Becoming a legal business, and having a license to do business in the state you are operating in makes total sense. Especially if your business has really taken off. Being incorporated can protect you and your personal assets. If your business were to be sued, or go into debt, having that LLC at the end of your name would definitely pay off.

With the many different entities to choose from when you become incorporated, you will have some decisions to make. All of the entities offer personal protection to the owners except for one, and that is DBA, also known as Doing Business As. This entity requires that the owners are personally held responsible for all legal matters, as well as debt. However, the other entities all off coverage for the owners, or members of the business.

Whether you are just starting out in business, or have been operating under your personal name for a while, it is never too late to become incorporated. Just be sure that you understand the entities and choose the one that is best for you and your business. If you need some help choosing and understanding the entities, a business attorney will be able to help you with those.

Find out more about Business Incorporation

Who Can Become A LLC, Or Incorporated?

If you are thinking about starting a business, and are wondering just who qualifies for LLC, or becoming incorporated, you will be glad to know that anyone can. Becoming incorporated or a LLC definitely has its advantages over operating in your own personal name, and doing business without a business license.

Are you an Independent Contractor that completes projects and does work for others? If so, you may want to look at becoming incorporated, or a LLC. While the entities that you can choose from are all a little different, most of them give you some protection when you make your business a legal one. All of the different entities except for one will protect your personal money as well as assets. Which is great in the event that the business were to go bankrupt, or to be sued. No one ever wants either of these things to happen. However, being prepared in the best way is ideal when you are working for others.

Yes, it is true, anyone can become a LLC, or incorporated. Depending mostly on the level of protection that you are looking for, for yourself and your company you may choose one over the other. Here are some good questions to ask yourself: Will you have a partner? Do you want to separate your business finances from your personal finances? By answering these simple questions, you should be able to choose the type of entity that you are looking for.

How do you go about becoming an LLC or incorporated? It is truly very easy. You can find all of the paperwork online that you will need for either. Depending on which state you are doing business in, you will need to make sure that the name that you want for your company is not taken, and the state will also tell you how much it will cost to you. If you are not looking to do it all yourself, by hiring a business lawyer, he can sit you down, walk you through it, and do all of the paperwork for you.

Find out more about Becoming a LLC or Incorporated

The Creativity Incorporated In Preschool Teaching

For children under the age of five ? and prior to the start of kindergarten ? there is the option of preschool programs. Preschool may sometimes be offered through the public school system but most often preschool programs are offered through private or religious institutions. The benefits of preschool teaching are numerous; and the ways in which such lessons can be infused with creativity are just as numerous.

The goals of a preschool program are to foster a love of learning and prepare young children for their future school experience; the way that this is accomplished is through creative preschool teaching. Young children of this age are receptive to a variety of information; their brains eagerly absorb all they see, hear, and touch. Subsequently, preschoolers learn best through play-based programs. Through play, children practice social skills such as respecting each other, working together, and taking turns, as well as taking in the fundamental lessons without being aware of doing so.

Creative preschool teaching means successfully and effectively incorporating core lessons into play-based curriculum. Such preschool teaching may include ball play that promotes hand-eye coordination, physical games that sharpen gross motor skills, card games that practice memory retention, writing games that hone fine motor skills, and books and storytelling to further a love for reading and language. The role of the preschool teacher in this capacity is that of facilitator; to creatively present fundamentals in a way that engages students.

Of course, preschool teaching in this modern time often means the integration of computer-based lessons into the classroom environment. Computer learning games spark the interest of children with the use of color, sound, and interactive play.

Preschool teaching requires patience, creativity, energy, and a love of educating children. It requires an ability to take ordinary lessons and make them extraordinary; to take core learning and make it fun; and to make school a place of joy and achievement. Ultimately, the success of preschool teaching will be reflected in a child?s lifelong love of school and learning.

For easy to understand, in depth information about preschool teaching visit our ezGuide 2 Preschool

Should You Incorporate Your Business?

More than likely, at some point you are going to be asking yourself whether or not you should incorporate your business. Many people start out as sole proprietors and then incorporate later. However, there are a variety of pros and cons in deciding to incorporate. Before you take the big step to incorporate, it is important that you fully explore and understand the pros and cons of this decision so you make the best choice for you and your business.

There are a variety of great advantages to incorporating, and probably the biggest one is limited liability. As a sole proprietor, anyone who sues your company is essentially suing you as a person, and your personal assets may be at risk. Once you incorporate, you are only liable for the amount that you have actually invested into the company. This is a great way to protect yourself and your assets as well.

There are various other advantages of incorporating as well. Once you become a corporation you will be eligible for small business tax deductions. You may also see an increase in business once you incorporate as well. Incorporating also opens the door for the continuance of your company, instead of it ending with you.

While there are many great advantages, there are some disadvantages to incorporating as well. One very big disadvantage of incorporating is that it can take a good deal of money to do so. Some people find that the cost is prohibitive and decide to continue on as a sole proprietor. There is also a great deal more paperwork to deal with after you incorporate as well, and this can make things a bit hectic for the small business owner. You will also be required to fill out more tax forms every year and will have to file both for yourself and your business. At times, this can lead to a hike in your accounting fees, since many people need the help of an accountant to deal with business taxes.

Although there are disadvantages and advantages, usually the decision will depend on your unique situation. If the advantages outweigh the disadvantages, then you may benefit from incorporating. Take your time and work through the pros and cons and make sure that you understand the incorporation process and how it can help or hurt your business. Once you have done your research on the topic, then you can make an decision for your individual business.

Learn more about Minnesota Business Law at Minnesota lawyer

Your Business Is Incorporated - But Are Your Personal Assets Safe?

Many small business owners understand the benefit of incorporating, but they don't realize how easy it is to lose their "corporate status" if they get sued or end up in bankruptcy. This is dangerous because then the court can come after their PERSONAL assets (like their house, car, savings, etc)!

Today, I will review a little bit of why incorporating is so important for small business owners, and then tell you five simple steps you can follow to protect your personal assets, even if your business gets sued or goes through bankruptcy.

It makes sense to incorporate for a couple of reasons. First, because it protects you from personal liability, and second, because it offers you some great tax advantages. For today, we're going to just focus on the personal liability part.

When you incorporate, your business becomes like another person. This other person has it's own bank account, it can own things like property, and it can take risks. Even if that "other person" (your business) goes completely bankrupt or gets sued, YOU are safe (assuming you do everything correctly).

This is important because many new businesses fail, but you as the entrepreneur don't want to fail. You want to pick yourself back up and start your NEXT business which will be even more successful. Failure is a necessary way to learn, so we want it to be as painless as possible.

When everything works like it should, then yes, you PERSONALLY are protected. But there are certain situations where your corporate status doesn't help you out, and every business owner should be aware of them!

You see, setting up a company gives you so much protection from liability, that unethical people in the past have tried to take advantage of it. They have created "shell corporations", or businesses just for the purpose of liability protection, to help them get away with various crimes.

Of course, the law had to be modified to weed out these people and make sure they were appropriately prosecuted. But in the process, the requirements for honest small business owners became TOUGHER. Some extra steps are now required to make sure your corporate status stays intact.

By the way, whenever a court decides to waive the corporate protection and actually prosecute the owners behind the company PERSONALLY, they call it "piercing the corporate veil". (Lawyers always like to come up with fancy names for things.)

Following are the top five ways to protect you personal assets then starting a business. Make sure you do these correctly, and you can be sure that even if your business experiences a colossal failure, or gets sued out of existence, at least your personal assets are safe and you can start over.

1. Never Engage in Fraud or any Criminal Act

This sounds simple, but many small businesses owners unknowingly break the law. Never sell a product you know is defective or doesn't work, misrepresent something in your advertising, forge any signatures, or pull a bait and switch (offer a great deal to get people in the door only to tell them it is out of stock so you can sell a substitute.) Run your business HONESTLY and with INTEGRITY every day, and it will pay off in the long run.

2. Never Misrepresent Your Corporate Officers or Members

Don't ever lie about who is involved in your company. When it comes time to ask for investors, or get people to support you, you may be templed to exaggerate about who is actually working with you. If they haven't actually SIGNED your operating agreement, then they aren't your partner.

3. Make Sure Your Follow All Corporate Formalities

If you are going to claim you are a company, then you'd better act like a company. That means you have to file all important documents and keep them on file (your operating agreement, articles of incorporation, and DBA for example). You also have to keep detailed financial records. In Breaking Free, I provide samples of these documents and show you exactly how to create them yourself. This will literally save you thousands of dollars in legal expense because you won't have to pay a lawyer to create them for you. (Read more below)

4. Keep Your Business and Personal Assets Separate

The business has to have it's own bank account. The money in that bank account is not YOUR money. It belongs to the business. In fact, if you decide one day come along and take some money out to buy yourself a Hawaiian vacation, that is called embezzlement (a crime)! Many first time business owners (especially if they are the sole owner) don't understand this concept. The money in the company is not theirs. The company is like a separate person, and all assets must be treated as such.

5. Never Treat the Business' Assets as if They Were Your Own

Don't deposit your personal checks into the corporate account. Don't use company money to finance your personal life and hobbies. Don't lend the company car to your buddy for a weekend excursion. Don't set up a cot in the back of the office and start living there! Again, the business and yourself are two separate people. Treat them accordingly.

With these five basic steps, you will be well on your way to protecting your personal assets in the event your business goes under.

Many successful business people, from Donald Trump to John D. Rockefeller, went through periods of ups and downs in their life. Not every company they bet on was a success. But they managed to survive and lived to fight another day because they where smart enough to INCORPORATE correctly. They followed the above five steps to make sure they wouldn't lose their corporate status in the event of a lawsuit. They made sure that their PERSONAL assets were safe, even if the COMPANY went bankrupt.

Brian Armstrong is the author of Breaking Free, and is an authority on How to Start a Business. Learn how to incorporate the easy way and protect your assets in our FREE Online Course. Click Now!

How To Incorporate New Trends Into Your Home

Another year has gone. The industry trade shows are over, and the home improvement shows are starting. Every new year introduces new design trends, and 2007 is no different.

This year has truly introduces some innovative ideas that combine Oriental and retro styles, effervescent colors, and patterns that are guaranteed to create a strong emotional impact on anyone who enters the room. Forget buying a $5 000 chair to impress your boss. This year?s theme is about renewing the ?hearth and home? feeling, without actually going back and bringing forward the designs, colors, and motifs of our childhood.

The newest trend is DIY, Do It Yourself. Hand made furniture, accessories, and walls are the ?new? sophistication. This year?s decorator does not need to invest in a professional designer to create the room right.

Floral art is important, but it needs to stray away from the bold prints of the English Country style and take on a more Oriental look, full of earth and natural colors, muted pastels, and Oriental shapes or lines.

DYI home decorators need to avoid the temptation of going overboard and create a tropical or Feng Shui design. The new trends can blend some of these factors, but they should never dominate. The focus is on furniture ? not art, walls, or lighting.

The most important decorating skill that DYI decorators need to develop is the ability to mineralize. Home decorators who grab this year?s theme and overpower a room, or home, with the one design will have a home that is ?out of style? within a year.

The best way to incorporate themes into a home is to choose those elements that speak to your emotions and lifestyle needs. Then, add a few pieces or wall treatments. This lets home designers update their home each year, keeping their home up to date.

Home decorating themes build on each other, year after year. Remember the deep coppers and burnished gold tones from 2005. Take these elements and dry brush a deep plumb over them, or sponge a rich gold brown fabric paint to the trim on drapes, furniture, or lampshades, and you?ve updated your accents and artwork to match the new design.

One way the home owner can bring the 2007 trend to their home is by adding grasscloth to walls, instead of wall paper. This heavy weave type of wallpaper is not for everyone. It looks like colored grass, woven and pasted to wall paper. This means that seams will remain very visible. The lines can overpower a room, so they are best for a smaller area.

If this is too much, then adding wallpaper with a silk sheen and mottled pin stripe, will bring the 2007 theme to a room, without creating a home decorating blunder that is difficult to remove. One way to prevent this is by finding a short wall, and use a single strip to turn the wall segment into a piece of art. This can be done on a full size wall, dividing the wall into strips. However, before doing this, make sure you learn the technique well.

One last tip, never install the ?Real McCoy?, hand painted silk panel wallpaper. Do not even use the local wall paper company. Phone around and ask for someone who has already installed silk wallpaper. Silk wallpaper is totally unforgiving. It is not sold in rolls but panels. If one panel is ruined, then the whole wall needs to be replaced, at a cost of $1 ? 7 000.00.

However, if you wait until March, the market will release paper wallpaper that mimics the Oriental hand painted, or embroidered, designs.

Patricia Taylor advises on home furnishings and decor from her web site at http://www.exteriorshuttershere.com She invites you to get her FREE home decorating guide here http://www.fireplacescreenshere.com

Why Incorporate your Business in Nevada

Once you've decided to incorporate, the question becomes, "Where?" For many, the best choice is Nevada . Why?

The corporate veil in Nevada has only been pierced twice in the last 29 years, and both cases involved outright fraud.

In fact, there were other Nevada cases where the corporation did not do resolutions, minutes and meetings, they had thinly capitalized the company, commingled funds - and still Nevada protected the corporate veil! Nevada is a pro-business state, meaning they strongly protect the business owners.

"But My Business Is Halfway Across The Country..."

You may be wondering how this applies to your business when your business operations are NOT in Nevada . The answer is that you don't have to.

Here is how it works: First, incorporate your business in Nevada (in whatever form of corporation or LLC you determine to be best for you.) This makes Nevada your domicile. Then register your new corporation (this is called "foreign registration") in your state of business.

If your company is sued it will most likely be in your home state. If the plaintiff (the person suing you) wants to go beyond the corporation (or LLC) and after you personally, the case will most likely go back to the state of domicile, which is in this case Nevada - where you get the most protection.

However, if you incorporate in a weaker state (without Nevada 's protection) and your veil is pierced, you are right back where you did not want to be. You will be held personally liable. You might lose the lawsuit - and lose your personal assets.

The Best Investment You Can Make

The next important question is how much will does it cost to incorporate in Nevada first, versus incorporating in your home state? Without being dismissive, the answer is that you can't afford not to.

You've put in a lot of hours, blood, sweat and tears to develop your business into your major asset and a significant part of your net worth, and no doubt will continue to do so. If you are like most successful people you probably work 10, 12, 14 hours per day. Your goal is to protect all your hard work and the asset you are developing.

It will cost you $895 to incorporate in Nevada first, a $500 Nevada fee for foreign registration (plus whatever your home state charges for registration) and only $400 annually for Nevada renewal. Does that sound like too much money to protect not only the most important asset you have for you and your family, but also the wellbeing of all the employees, contractors, and clients that depend on you? I would think that if it does, not only are you shortsightedly exposing yourself, but that you do not fully revere the contribution you make to the lives of those around you.

Nevada Corporate Planners has set up over 4,300 business entities in Nevada , providing them with a barrier that protects them from devastating legal repercussions. And just in case you think this risk seems overblown, consider this:

? In 1990 there were 655,191 lawyers in this country.

? Today, just fourteen years later, there are currently 1,000,440 lawyers in this country. And don't kid yourself. They're not sitting on their hands.

For more information regarding Incorporating your business in Nevada or incorporating in all 50 states, please visit our site at http://nvinc.com

Incorporate New Appliances Into Your Bathroom Remodeling Project

How often, when you visit the bathroom, are you imagining, planning or mentally measuring for d?cor changes, improvements and new fittings? Home magazines are full of bathroom renovation ideas that the do-it-yourself homeowner can accomplish over the weekend, although more ambitious projects relating to new plumbing or electrical wiring usually require the assistance of a professional. Whatever the scope of the renovation project, most people are looking for something unusual and extraordinary that their neighbours will not already have. We often assume that this is difficult to achieve in the bathroom, probably the most functional and generic part of the home. However, with a few original remodeling ideas you can produce an extraordinary effect and in a bathroom that resembles your own personal spa and which will be the envy of your friends and neighbours.

There are a variety of modern inventions that can be incorporated into your perfect bathroom, but perhaps the most brilliant is the heated floor. Imagine stepping out of relaxing hot bath or shower on a chilly winter evening, and finding warm tiles under your feet instead of stone cold ones. This is now possible with electric floor heating technology. If you are considering replacing your bathroom floor why not consider adding this luxurious feature, and for a very reasonable cost you can heat your floor to a comfortable temperature that you control.

If the heated floor is the most brilliant development in bathroom design, the most unusual has to be the chromatherapy tub. Holistic healers have long believed that color can have a huge impact on a person?s psyche and this colorful bathtub is aimed at translating this effect onto the human body. The suggestion is that certain colors placed close to the body can actually penetrate the skin, causing alterations in physiology and healing illness and regenerating the cells of the body. Some vendors, in addition to selling chromatherapy bathtubs, are offering LED light ports which produce a heightened effect. If you are considering including a chromatherapy bath in your new bathroom design it is safe to say you will probably be the first in your neighborhood to embrace this technology.

There are many other, more conventional, bathroom remodeling ideas that will nevertheless add greatly to the luxury of your home. These include the installation of a multiple water jet body spa, to reward yourself with an invigorating massage in the shower, or a simple steam shower which is ideal for relaxing after a stressful day at the office. The options available to you when remodeling your bathroom are no longer restricted to a standard shower and bathtub; you can really let your imagination run wild on what you would like to see in your ideal bathroom and most of these possibilities are available within a reasonable budget.

Focusing on latest news in cabinets, Jack Blacksmith is writing primarily for http://www.kitchencabinetstips.com . His contributions on kitchen remodeling can be found on http://www.kitchencabinetstips.com/remodeling.html

14 Steps You Can Take To Prevent Identity Theft

The Fair and Accurate Credit Transaction Act, known commonly as FACTA, was put into law in the United States to help to protect consumers from identity theft and to help in its prevention. FACTA ensures that all citizens are treated fairly when they apply for a mortgage or other form of credit and it entitles them to a free annual credit report to verify its accuracy.

Becoming a major epidemic, Identity Theft occurs when a criminal uses another person's personal information to take on that person's identity. Identity theft includes the misuse of a Social Security number, credit cards, mail fraud, scam, schemes, frauds, or any other form of misuse or abuse of a victim?s identity.

There is no guarantee that you will never be a victim; however, there are steps you can take to minimize your risk. Here is a list of 14 steps you can take to prevent or at least minimize its occurrence:

1. Manage your personal information cautiously and with a new awareness that identity theft can occur anytime anywhere and when you least expect it.

2. Ask about security procedures in your workplace, doctor's office, or other business or organization that routinely collects relevant and personal identifying information as part of doing business or providing a service. Find out who has access to your personal information and verify that it is handled securely. Inquire about their disposal procedures and if your information will be shared with anyone else (namely third parties such as mailing list companies, marketing and survey companies, etc.).

3. Instead of giving your Social Security Number, inquire if you can use other types of identification. Use your Social Security Number with caution and only when absolutely necessary.

"Your Chances of becoming victimized by some form of identity theft is one in ten," according to the Federal Trade Commission.

4. If you find that you have been victimized, immediately file a complaint with the Federal Trade Commission. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint helps the FTC learn more about identity theft and the problems victims are having. This knowledge helps them to assist you better.

5. Carry only the identification and the number of credit and debit cards that you will actually use. Leave extra cards in a safe place at home, in a safety deposit box, or any other secured location.

6. Avoid giving out personal information on the phone, through the mail, or on the internet unless you are absolutely sure you know and can trust with whom you are communicating. Caution: Before you share personal information, be sure you are dealing with a legitimate business or organization. (If you are unsure about an online communication, check the organization?s website by typing its URL in the address line. Most large companies post alerts on their sites when they are aware of a scam when their name is used improperly.)

Identity thieves usually pose as representatives of banks, lotteries, sweepstakes, internet service providers, or some other officially-sounding-entity. They will use any means possible to try to get you to reveal your valuable information.

7. Call the Customer Service Department of companies or organizations with whom you do business using the number listed on your account statement or in the telephone book.

8. Do not place passwords on your credit card, bank, or telephone accounts.

9. When choosing a password, avoid using obvious information like your mother's maiden name, your birth date, a series of consecutive numbers, or the last four digits of your Social Security Number or your phone number.

10. Pay attention to your billing cycles. A missing bill could mean an identity thief has gotten their hands on it.

"9.9 million people were victims of identity theft in 2002", according to the Federal Trade Commission. Don't wait until it happens to you.

11. Be wary of promotional scams or phony offers to get you to give them your personal information such as lottery and sweepstakes? that you have never entered and ones asking for an "administration" fee.

12. If your job requires you to suit up in special clothing at work, never leave your purse or wallet in your personal clothes. Always keep them in a safe and secured place.

13. When reordering checks, pick them up at the bank instead of having them sent to your mailbox.

14. Obtain a current credit report by contacting any of these major credit bureaus:

Equifax: P.O. Box 740241 Atlanta, GA 30374-0241
For Fraud Alerts, call: 800-525-6285

Experian: P.O. Box 2002 Allen TX 75013
For Fraud Alerts, call: 888-EXPERIAN (397-3742)

Trans Union: P.O. Box 1000, Chester, PA 19022
For Fraud Alerts, call: 800-680-7289

Known as The Master Blog Builder, Etienne A. Gibbs, MSW, is in the business of helping small business owners and non-profit organizations improve their customer relationship marketing. Often he comes across cases that are red flags calling identity thieves to come in. Hence, he started the "Protecting Your Identity" blog. Contact him at: http://www.MasterBlogBuilder.com

Identity Theft - How to Cope With It

I receive a demand for overdue payments on a credit card I never had. What does it mean? It could mean identity theft. Someone somewhere has been using my identity to run up bills. Identity theft would have a considerable negative influence on my credit score and at the same time, creditors would be demanding payment for debts I have not incurred. What would I do if I become a victim of identity theft?

What I Would Do if It Happens to Me The moment I realize I am a victim of identity theft, I would act fast to try to minimize the damage:

Notify Credit Bureaus - I would immediately inform the fraud units of one of the three credit bureaus - Experian (formerly TRW), Texas (www.experian.com), Equifax, Atlanta (www.equifax.com), and TransUnion, California (www.transunion.com). On notifying one, they will automatically inform the other two. I would report that I am a victim of identity theft and that another person is using my identity information to obtain credit fraudulently in my name.

Make a Crime Report - I would report the crime to my local police department. If the frauds have occurred in areas other than where I live, I would inform the police of those areas too. I would ensure the fraud accounts are listed in the police report, and keep a copy of this 'Identity Theft Report'.

Federal Trade Commission - I can report the fraud to the FTC on its online identity theft complaint form (www.consumer.gov/idtheft ). FTC shares all such information with investigators who are fighting identity theft nationwide.

I still need to sort out the problems of:

* New credit accounts opened by the impostor

* My existing credit/debit accounts

* Debt collectors, trying to collect fraudulent bills

There are many similar problems to sort out and cope with.

Do you know how scamsters use personal information for identity theft? Let us how, in the next article of this series.

Jon Sterling tries to help you overcome Identity Theft problems through informative articles to help you reach your personal financial goals

A Financial Analysis of Cowen Group Incorporated

As far as IPOs go, any financial analyst will tell you, as an investor, that investment banks, or other financial companies will be your best bet for higher capital gains. When examining the services that investment bank, Cowen Group Incorporated (COWN) can provide as a newly publicly traded company, the evidence presented prima facie seems to acquiesce with the prevailing sentiment. After looking at the fundamental and technical analysis of this company coupled with the ideology of investing with newly established financial corporations, as an investor, you will come to understand the multitude of benefits associated with purchasing shares early in such an industry.

As reported in one of my other articles regarding investment bank IPOs, after examining 32 random investment banking IPOs, only four or 12% of these companies which have been in the market for more than one year had posted capital losses and only marginal ones relative to other IPOs. Furthermore, including all the IPOs in the market regardless of file date, only seven out of the 32 have seen any kind of capital loss regardless of any kind of fundamental or technical analysis. Juxtaposing such data to companies in industries such as technology or healthcare, and investors will find out how great a difference there is between the financial industry and the rest of the market. When examining Cowen, I absolutely can spot notable indicators to support such reasoning which will lead to a very favorable upward potential for investors of this company. In addition, because 2007 has the possibility for interest rate cuts which is favorable to investment banks and has historical data to support an upward market movement, next year has the possibility to become a tremendously optimistic one in terms of share price for Cowen.

When looking at the limited fundamentals that Cowen provides, an investor should immediately spot the growing revenue associated with this company. Over the past year, while revenue margins are not terribly shocking, the modest increase, coupled with lower revenue costs, has situated a promising margin growth relative to gross profit. While Cowen?s EBIT has decreased on a year to year basis, such is a result of becoming publicly traded and having the financing portion of its cash flow statement under fire because of the initial costs associated when a company trades publicly. Nevertheless, more importantly, operating income has rose in dramatic fashion, and operating margins in general have grown nearly 10% over the past trailing twelve months. In addition, like many other investment banks, Cowen supports a negative enterprise value which means that it provides a tremendously higher number relative to total cash when juxtaposed to total debt which, when added to the market value of this company, yields a negative output. Furthermore, the debt Cowen has incurred can continued to be exploited in a positive manner as the current ratio Cowen provided of about 5 is not only significantly lower relative to bulge bracket companies such as Merrill Lynch, but exemplifies that Cowen has a lot of potential to incur more liabilities to help finance further growth without the added expenses of not having enough assets to cover its debt. Thus, the potential looks extremely bright for this company in this regard if liquidation is a priority. In addition, the PEG remains relatively strong, and coupled with an extremely valuable enterprise value to revenue number and price to sales number, this company has the possibility to perform extremely well. Such is said because the low numbers recorded signifies both value juxtaposed to the rest of the industry and the potential for the share price to grow to further levels, disregarding its six month high: a situation very few companies can boast about. Its true the forward P/E ratio is a bit high relative to what it is currently, but such was made on the basis of a smaller 52 week expectation, and since Cowen is a new firm, a slightly higher multiple is to be expected. Thus, the limited fundamentals that are provided help the reasoning that investing in this company, especially since it is an investment banking IPO, will provide solid capital gains for investors for at least another five years.

As this company has only recently been put on the public market, no significant technical analysis can be made to signify upward potential. As volume (excluding the opening day) has been relatively stable throughout the five month duration, the only indicator I can use is the slow upward trend that has occurred when looking at a 50 day price average. If such continues with the favorable conditions in 2007, such evidence should be enough to connate a year rally. Therefore, while technical analysis is limited for a company which has recently been trading publicly, because of the surprising strong fundamentals and the positive economic conditions supportive in 2007, investors need to look closely at Cowen and think about purchasing some shares before this company starts its proposed rally.

Dennis Biray presents advice on all kinds of topics ranging from finance and investing to fitness to sports. For more information email him at dbiray@gmail.com, or to view other articles written by him visit http://www.biraynetworks.co.nr

A Financial Analysis of WESCO International Incorporated

After a tremendous rally in terms of share price over the past few years and a recent initiation to outperform the market from Wachovia, WESCO International (WCC) has sparked many investors? interests in the form of potential capital gains. While the stock price, after such a rally, may seem high and overbought to many investors, after examining both the charts and fundamentals of WESCO, I believe there is still much optimism to be regarded upon when balancing your options of buying or not.

Located in Pittsburgh Pennsylvania, WESCO International, part of the electronics wholesale industry and service sector, provides ?electrical supplies, such as wiring devices, fuses, and terminals? as well as ?industrial supplies, including tools and testers, personal protection, and consumables (Yahoo! Finance).? While basic in nature, all such products are heavily required for everyday activities, regardless of complexity, and barring a strong innovated revolution in such an industry, the supplies WESCO produces will continue to have a strong importance for its consumers. Saying this, many investors may argue that a multiple of companies supply the same products, and those same competitors even have stronger fundamentals in some cases. While such a claim is valid, looking more closely at the basic idea of what a company does, a corporation like WW Grainger or Arrow Electronics, while producing similar products, does not have the same global impact that WESCO International has. Since, the global market in both the emerging markets such as India and China and the relatively developed nations such as found in Europe, are growing, economically, even more rapidly when juxtaposed to the United States, a strong argument can be made for such multinational corporations. With liquidity flowing from new jobs and growing discretionary income, while it may be true that WESCO supplies inelastic products, there still will be a strong regard for higher prices for such normal goods, and consumers, especially businesses, will be less reluctant to purchase these goods relative to as recent as three years ago. As such is the case, while Grainger or Arrow may have a nice market share in terms of the electronic wholesale industry in America, I foresee a global corporation, such as WESCO, will have a more dramatic effect on its fundamentals in the future.

While future growth is desirable for current and potential shareholders, it is not to say that WESCO does not already produce strong fundamentals. Examining the top line, revenue growth has been excellent, growing 18% over the past year which is a strong percentage growth compared to competitor Arrow Electronics? 5% revenue growth. Consequently, gross margins have increased modestly, which has produced a 4% net profit growth and a 7% operating income growth over the past twelve months compared to Arrow?s 3% and 5% respective growth rates. In addition, while the current ratio or debt to equity ratio may be negatively favored juxtaposed to competitors such as Arrow or Grainger, WESCO is still a relatively new company and will need to take some time to accrue more growing assets relative to liabilities. Furthermore, out of the three mentioned corporations, WESCO has the smallest PEG ratio, and while Arrow Electronics does have a slight edge with a lower forward and trailing P/E ratio compared to WESCO, I suspect, because of WESCO?s global influence, such statistic will be negligible this time next year. The one area that does concern me would be the negative leveraged free cash flow, but nevertheless, operating cash flow still remains high, and both the EBITDA and EBIT, proxies of cash flow, have been growing at substantial margins over the past few years. Therefore, after examining such fundamentals, while WESCO does not have a complete domination over its competitors regarding the numbers, because of its rival?s lack of global influence, already having a fairly strong pull in many of these categories can only be beneficial to where WESCO will aim for in the long run.

When looking at a five year chart of WESCO?s share price performance, many investors will be surprised at the run this company had from April of 2003 to April of 2006. During this three year time period, the share price of WESCO rose in dramatic fashion, yielding a gain of almost 2000% to lucky investors. As the share price has retracted from such highs to a more modest 60 dollars per share, some investors may believe that this company has reached its high and is on the verge of a declination. Nevertheless, taking a more detailed approach when examining the charts, I believe there is good indication to tell that WESCO may be on the spurt of an upside rally in the coming months. Looking at a one month chart of the share price of WESCO, it is evident that after the 80 dollar peak in April, some stalemate occurred the following months as WESCO fluctuated in a short resistance and support level. However, I noticed one significant change during October which should indicate a strong resurgence in share price. In early October there were two successive days with high volume when the share price rose both these days. In addition to such finding, in mid-October, there was another indication illustrating strong volume but only a modest decline in share price. Such would let me believe that investors, both retail and institutional, were more bullish on WESCO?s upside than bearish for this company. In addition, since WESCO recently fell on unusually small volume over the last week, now may be a perfect opportunity to maximize your capital gains by investing at a price below 60. If such a process is accomplished, there will be a strong case to be made regarding large capital gains earned for shareholders of this company.

Thus, after reviewing the fundamentals and charts of this company, because of its global presence in relation to its competitors, I would strongly argue to purchase shares of WESCO to earn capital gains. It may be true that WESCO has hit a stoppage point after its three year incredible rally, but after reviewing the necessarily indicators, I believe there is still a strong upside for this company.

Dennis Biray presents advice on all kinds of topics ranging from finance and investing to fitness to sports. For more information email him at dbiray@gmail.com, or to view other articles written by him visit http://www.biraynetworks.co.nr

A Financial Analysis of Global Payments Incorporated

As the great Warren Buffet alluded to when asked how he became such an enormously successful trader, he acknowledged using simple means to choose certain corporations based on characteristics he was familiar with. While it is fair to say many traders contain the necessary skills required to do analysis of companies they are knowledgeable of, such a process may either involve a too rudimentary process to seem explosive on the upside or may contain profound virtues such as patience, which, unfortunately, not many traders can be attributive of. Nevertheless, after compiling some careful research, I have found a company, Global Payments Incorporated (GPN), which encompasses the ideals presented by Mr. Buffet in terms of providing a simple, but rewarding, procedure to accrue a copious amount of new capital.

When examining the profile listed under Yahoo Finance of what Global Payments does, a simple analysis will lead many investors to believe this company to be involved with the transfer of money regarding credit and debit card transactions and consumer movements as well. Understanding what this company does is crucial, because, as an investor, you are always desiring to look for companies which control a large percentage of the market and has the capabilities to provide not only growth for the short run but value for the long run as well. With Global Payments, after looking for other competitors of the same services, I have located specific companies such as Thomson Corporation which is involved in the same sector as Global but does not necessarily provide the exact same services. When such a comparison is made, it is evident that Global controls a large market share, at least publicly, of what it produces, and should be favored in terms of amassing larger revenue and earnings data coupled with higher positive margins regarding each category. Furthermore, because this corporation engages in a service which is fairly solidified of how it will hold up in terms of business for the next 20 years or so, there should not be too much question of how long such a company will be able to compete in the battle of innovation. In addition, because Global Payments is a worldwide corporation as suggested by its name, with liquidity spreading throughout the world, there is tremendous opportunity, with growing markets in China and India and a strong economic presence in already developed nations such as found in Europe, of the money transferring process to expand and provide more than adequate service for Global Payments to handle. Thus, because of the large concentration ratio Global encompasses, as well as the opportunities which can be traced in the future, there is strong potential for this company to provide shareholders with continuous capital gains.

While the future may look bright for any company relative to the service Global Payments provide, with out a strong fundamental foundation, regardless of the outputted products, a company will not be able to compete. Fortunately such ineptitude is not found with Global. Looking over the past two years, Global has increased its revenue, chronologically, 24 and 16 percent, while maintaining its costs by garnering a gross profit growth of 32 and 23 percent respective to the revenue numbers. The EBIDA has also not diminished in value after taxes and interest, among others, which calculated as net income, regarding its cash flow, has gone up 50% from 2004 to 2005 and 35% the subsequent years. Such cash allows Global Payments, to invest into more capital which will lead to more economies of scale, providing lower costs, higher revenue, and larger capital gains: a process undeniably important when considering the tremendous changes regarding the online and global portion of this business. In addition, one of the best indicators I have found is the current ratio continuing to rapidly increase, as assets, both current and total, continue to rise in dramatic fashion, while both total and current liabilities have actually decreased over the previous two years. All these fundamentals lead to a P/E ratio of near 28 which may seem a bit high in relation to its PEG ratio, but with a forward multiple near 22 and growth expected regarding its placement in terms of world expansion, both ratios should fall in the near future with my expectations of the PEG to fall below one shortly. In addition the price to book ratio, because of the fall liabilities and strong assets remains low which should, coupled with all the other positive fundamental inquiries help this stock to reach new historical records in the foreseeable future.

When I mention Global being close to a record high, it may seem foolish for such a statement to be made as this company is less than five dollars, or about 8%, away from such a number. Nevertheless, by examining the charts, there are definite indicators which illustrate the rising possibilities that Global Payments will provide for its shareholders. Opening in 2001, over the last five years, Global Payments, trading publicly, has provided its shareholders much rejoice after climbing more than nearly 450%. Many investors may claim that such growth, regarding share price, has leveled off after breaking even in 2006, but I foresee, because of the growing liquidity in the growing market, a strong rebound in 2007, as many analysts have predicated, based on historical data, to be a strong year for the stock market. In addition, since October, when Global had a strong share price growth relative to high volume, this company, along with the market in general, has grown fairly well during the past three months. I expect, for the short run, for this growth to sustain, as no high level volume sell offs have occurred, providing short term shareholders some profit. In relation to the long run, because Global has historically had an amazing boost during its history, because of its concentration ratio and its global presence, there is tremendous opportunity for capital gains to be earned over the next few decades, allowing for strong shareholder support in the future.

Therefore, after examining the charts, fundamentals, and strong control Global Payments has in relation to the rest of its specific sector, there is strong potential for this company to provide shareholders with significant capital gains in both the long and short run. Once again, Warren Buffet attributes much of his success to choosing stocks based on rudimentary products and services which have a large control over its respective market. When looking at what Global Payments does, such thought process, in relation to Buffet?s ideal becomes amazingly apparent when buying shares of this company.

Dennis Biray presents advice on all kinds of topics ranging from finance and investing to fitness to sports. For more information email him at dbiray@gmail.com, or to view other articles written by him visit http://www.biraynetworks.co.nr