The Help Tabloid

On December 2008 e-lottery brought the Spanish National lotto to its product range, granting participants globally a immensely improved chance of partaking in this immense Spanish lottery prize fund.

If its the first time you have come across the Spanish Lotto, let me highlight just how all-important this lotto is to the vast majority of the Spanish population. The Spanish lottery has been a public obsession in Spain for a very long time with immense interest generated by the Christmas draw each year. Its a fact that 98% of the population play this Spanish National lotto each and every Christmas.

There are a couple of central reasons why lots of Spanish nationals join in the Christmas Elgordo lottery draw.

Firstly, on that point is the incentive of the largest lottery prize fund of any world-wide lottery game - 2.20 Billion Euros! Second, there are in excess of 13 thousand money prizes to be won. Lastly, the probability of accumulating a cash prize on the Christmas draw is a extremely achievable - one : six.

With the quantity of interest that’s given to the Christmas Elgordo lotto draw, a good deal of people are unaware that there is 5 additional Spanish Lottery draws annually as well. These lotto games take place on November, March, May, July and January. Even though these 5 lottery games do not boast the enormous prize fund of the Christmas draw, they are big nonetheless, ranging from seventy eight million Euros to six hundred and sixty six million Euros. Plus, these games offer virtually 3 times as many prizes as the Christmas lotto draw plus betting odds of collecting a money prize of an impressive one in three.

The Christmas Spanish lottery works in a different way to nearly all other world lotteries. A whole lottery ticket ‘billete’ is very costly, costing two hundred Euros. However, these tickets are broken up into ten ‘decimos’ (tenths) costing twenty Euros apiece.

When buying your lotto tickets you have the option of buying one decimo, a complete lotto ticket, or a share of a lottery ticket. If you do not purchase the full lottery ticket, someone else will buy the rest of your ticket. For example, when you buy two decimos, someone else buys three decimos and somebody else purchases 5 and your lotto ticket wins one thousand Euros, then you will collect two hundred Euros, 300 Euros and five hundred Euros respectively. Owing to the expense of buying a whole ticket, it is not unusual for families and friends to incorporate their lottery cash and all purchase a separate ‘decimo’ (tenth).

The ninja were a military order in Japan. Most people have seen them in movies and fictional books.

They are the guys dressed in the black suits that seem to have amazing powers, such as climbing the outside of buildings with no rope, or seeming to disappear instantly.

Behind ninjutsu you will sometimes see reference to ‘hidden powers’ or ninja magic. Learning what this is exactly is part of the journey of the ninja master. All of us have the ability to tap into a greater force than we usually display. With training you can master this.

But behind all that mystery is the true story of the ninja master, who has very definite training. The actual martial art has a name, which is ninjutsu. Jutsu is a Japanese word for way.

There is also another Japanese word for way, which is do(pronounced doh)

So you have karate-do, which means the way of the empty hand.

Ninja Training in the US

There are various training schools in the US but before you start I suggest you read up on it. A great resource I have found is by Ninja Fanatic, John Lee.

Cover the ground in his book - Ninja Secrets Revealed - and then you will be more prepared to take your training further.

All such training starts from a desire, which gradually develops into mastery.

Today could be the start of your journey to mastering the ninja art and all its secrets.

Good Luck.

Or as they say in Japanese: “Gunbatte Kudasai”

Graeme Sprigge is a tae-kwon-do exponent with the rank of blue belt and brown tip. One of his hobbies is martial arts. He is currently studying Taijiquan (tai chi), using reference material from Master Wang Peisheng one of the Beijing Masters More Ninja Info Here

Copyright 2005 Graeme Sprigge

Although whiplash symptoms are understood to only be caused in motor accidents this isn’t the case. As any solicitor will tell you there are numerous other ways that people attain whiplash symptoms. The damage caused to the neck from injured tendons and ligaments can have serious long term effects. Whiplash symptoms sound far less serious than can be imagined.

Mild whiplash symptoms can evaporate within a week but those that result in accident claims are a very different matter. When the injury occurs in a serious traffic incident it will take up to a month to regain full health, the whiplash symptoms can be reasonably managed. In exceptional cases the whiplash symptoms, sometimes caused by a head trauma and also by repetitive straining of the neck, can have debilitating consequences.

Thankfully the whiplash symptoms that a solicitor has to deal with occur from a common jolt of the head during a car collision. If the whiplash symptoms are mild a bit of tautness in the joints is all that will really take place. Whatever way the head has moved the whiplash symptoms are the same. Repeatedly whiplash symptoms require only anti inflammatory drugs and plenty of rest, an accident claim can’t really be justified, although often they are pursued.

There are more than 39 million Hispanics live in the United States making it the fifth largest Spanish-speaking nation in the world. It is estimated that within five years, only Mexico will have more Spanish-speakers than the U.S. Schools are offering bilingual courses and fully integrated bilingual curriculum. In some areas of the country , Spanish even exceeds English as the first language of the residents. Families are integrating languages into their neighborhoods regularly.

We propose bridging the language gap with bilingual picture books that both educate and entertain. The presence of both English and Spanish in the same book allows cross-cultural access and language development. Reading is a wonderful family experience which allows children to explore character development, expanding imagination and develop problem solving skills. The addition of another language educates and the illustrations in a picture book support the learning in an entertaining way.

Raven Tree Press offer bilingual books in a variety of styles and choices.

Full text translationFull text translation means the text of the story is presented in English and then again in Spanish. Both texts are generally placed on the page with an icon separating the two for ease of reading. A different ink color is also generally used to further offset the two languages.

Embedded textTake a story in English and sprinkle in a little Spanish. We call it embedded text. The word that will be embedded is usually first introduced in English and then reiterated in the sentence, or at least in the same paragraph in Spanish later. Once the word is introduced, it can be used again and again in context of the story. The context of the story and the illustrations are of utmost importance when using embedded text as they aid in making the leap from one language to another.

WordlessCan a wordless book be effective in learning language? Definitely! Wordless picture books and picture books with limited words are both beautiful and educational. They help children develop language, creative thinking and enhance future reading and writing skills. Using wordless picture books, children learn that reading follows a left-to-right pattern. They learn that stories generally have a beginning, a middle section and an ending. They also learn to identify details, see cause and effect, make judgements and draw conclusions. We present an instruction page in both English and Spanish for creative uses of our books.

Concept BilingualIn concept bilingual books, we take one concept of language and focus strictly on that. Counting, for example. The story is presented in English, but the concept (numbers in this case) are presented in both English and Spanish. Keywords are easily learned using this format.

Raven Tree Press includes an English/Spanish vocabulary page to help readers with keywords in either language.

Raven Tree Press children’s bilingual picture books are available at favorite bookstores, online booksellers and at the publisher’s web site www.raventreepress.com.

Publisher Note: Book excerpts and artwork can be imbedded in this article easily to clarify points if interested. Please contact me for further details.

Raven Tree Press is an independent book publisher specializing in bilingual picture books in English and Spanish.

Contact: Raven Tree Press
Dawn Jeffers, Publisher
www.raventreepress.com
dawn@raventreepress.com
920-438-1605 phone
920-438-1607 fax

Regardless the fact that the Property Index service is really a rather young house, having been founded in March 2007, they were very fast to gain in reputation. They’re a rather unpretentious house specialized in proposing expert advice to anyone determined to rent, buy, sell or let real estate no matter where. They promise to assist you locate bang-on what’s looked for quick plus painlessly.

Real estate is easily available everwhere presently, one of the high-class areas being real estate available in America. It should be easy as pie to list some of the marvelous estate for sale in America, one explanation for choosing properties here being properties you can purchase and the superb chance of living right amid such a energetic, keen and active populace. It’s one of the truly sought after property markets presently, and considering the gorgeous landscape and sunshine surrounding you, how could you conceivably be wrong? Real estate in America is immersed in culture, art and history, this country is home to lots of indigenous civilizations.

There are a range of properties in America for sale on Property Index, from villas to apartments.

About 25 or 30 years ago you’d find just a dribble of British people who are looking for estate in America. Ask any individual who has emigrated to America and they will substantiate it. Some people would descry it as a simple rage and others descry it as a almost a fixation! People who remove here may range from young well to do couples in search of an exciting challenge in life to older generations meaning to enjoy themselves and chill out. Note, however, that you may have to deal with situations when attempting to acquire estate abroad — there’ll be dozens of heterogeneous, occasionally conflicting, actions when organising, touring or actually purchasing. Even if a single action is missed this may trigger sizable situations not to forget, most importantly, a financial hammering.

As is to be expected with this fashionable location, estate may well be fairly pricey in this region which is simply a result of the great buyer demand. Notwithstanding the buyer is spoilt in terms of choice in such a location so rich in happy geography and fabulous setting. It certainly has the whole ball of wax a patron could want, and plenty more.

Health insurance costs have risen dramatically in the past few years - whether you’re insuring only yourself or your family, you have most likely experienced this yourself. There are some alternatives to the traditional employer sponsored health plans that may be able to save you money.

First, there are what are known as ‘Medical Savings Accounts,’ which allow you to put money into an account specifically for health related expenses, tax free. You also use it tax free, which means - you pay no taxes on that money at all! There are downsides, though. You have to ‘predict’ how much money you’ll need to put away, and you have to use it all up by the end of the year, otherwise that money is gone for good. It is typically distributed to everyone else who has medical savings accounts at your employer, so I advise only using these accounts if you know you will incur medical costs in the next year, and know the approximate amount of money you’ll be spending on medical expenses.

In addition to this, there are now being plans introduced in certain states which allow you, the patient, access to prices that only insurance companies had access to. See, hospitals and doctors charge certain prices to insurance companies, and different prices to individuals without insurance.
Of course, the insurance companies are charged a fraction of what someone without insurance is. Under these new plans, you can access the same prices without having to go through your insurer. There is a ‘monthly access fee’
that applies, but it is usually much cheaper than the monthly premiums charged by an insurance company.

Finally, an individual always has the option to take the cheapest option available on their health insurance. This means, of course, that you are ‘gambling’ on the fact that you or your family will not get sick or need care. This usually involves taking the highest possible deductible and selecting the plan with the least freedom in choosing your doctors. When selecting this option, a person is ’self-insuring,’ or choosing to take the responsibility of most of the charges on him or herself, instead of shifting the responsibility to the insurance company. This may be the cheapest way, but it’s not recommended for someone who needs to visit the doctor often or families with children.

View our Recommended Health Insurance Company, a simple site that has an easy to fill out application. It also has a lot of great info about Home Insurance and Car Insurance

There are three main types of car insurance available, starting with the cheapest and least common:

Third Party

This is the minimum level of insurance required by law - all drivers must take out at least this kind of policy. It covers damage caused to someone else’s car, or injury to them, in the event of an accident that is your fault. With this kind of insurance you won’t be able to claim for any injuries or losses sustained by yourself for any reason.

Third Party, Fire and Theft

This is a step above basic third party cover. If your car is stolen and not recovered, or destroyed by fire, you’ll be able to make a claim. You’ll still be insured against damage or injury to someone else in an accident blamed on you.

Comprehensive

With comprehensive insurance, you can claim for damage to your car even if the damage was caused in an incident that was your responsibility. This kind of insurance also covers the same things as third party, fire, and theft. Comprehensive cover usually allows you to drive someone else’s vehicle with their permission under 3rd party cover, though you should check your policy specifically for this.

Extra Features

So those are the basic kinds of insurance, but policies from different insurers can offer different extra features that you can take into account when choosing who to insure with. This is especially true of comprehensive policies, which can have quite a few added extras. When comparing policies you should bear in mind that nothing is ‘free’, no matter what the advertisments say. If you don’t need a specific feature, you might be able to get a lower price by getting a policy that doesn’t offer unnecessary frills.

No Claims Bonus

If your insurance cover includes a No Claims Bonus or No Claims Discount, then for every insured year that you don’t make a claim, your premiums will be reduced by a percentage, to reflect the fact that you’re showing you’re not a big risk to your insurance company. The discount will grow year by year until you hit the upper limit available, which is generally 60-70% depending on your insurer. If you make a claim, your bonus will usually be reduced, either back to it’s previous level or even cancelled completely.
Some policies offer a ‘no claims bonus for life’ option which locks your bonus at its current level, even if you make a claim. This can be a good option if you’ve already reached a maximum discount as this will be protected no matter what happens in the future. Finally on this topic, many insurers will allow you to transfer over your discount level built up on a policy from a different company. You’d obviously be less likely to switch insurance companies if it meant losing your discount, so this will be an option in almost all cases.

Named Drivers

You can also add named drivers onto your policy, so that they will be covered when driving your car. This is popular with parents, who often add their children who have just passed their driving test to their policies. Quite often this is the only economical way to get a new driver insured in today’s insurance market.

Courtesy Car

If your car needs repairing after an accident and is off the road, with this feature you’ll get free use of a hire car to keep you mobile until you get your own car back.

Windscreen Replacement

Broken windscreens will usually be replaced for free under a roadside assistance scheme, but if you don’t have that kind of cover or windscreens aren’t included, make sure you can get a free replacement from your insurance.

Audio equipment

If you plan to install expensive in-car audio equipment, check that the policy will cover replacing it if it’s stolen from your car. Some policies have limits on the value of audio equipment they are prepared to cover.

Roadside Assistance

Some policies come with an element of breakdown and recovery cover included, or will offer discounts on such cover. If you already have breakdown cover, you may find this saves you money by letting you cancel your separate policy.

George McGonigal
QuoteMeNow.biz

George is webmaster of an online insurance resource for Northern Ireland motorists and homeowners. We bring under one roof insurers who cover Northern Ireland that can offer online quotations to allow our visitors to compare rates in the comfort of their own homes. Visit Car Insurance Northern Ireland: for competitive insurance quotes online. Fast quotes for Home Insurance Northern Ireland: without obligation. Fast quotes for Motor Insurance Northern Ireland: from a panel of top insurers.

The Terrorism Insurance Act of Nov. 26, 2002. This helps businesses who must have insurance from being denied, which would kill those businesses. Our General Liability Insurance Numbers have jumped about $100-300 depending on the market area. But if you consider that there have been no terrorist attacks since 9-11 this is high. For instance you are 500 times more likely to incur hail damage in Colorado than you are to get car jacked by a terrorist if you are driving a fuel truck. The trucker would probably get out and fill you full of buckshot in 2 seconds anyway rendering the terrorist quite incapacitated and/or dead. And if he had been listening to any country singer on the radio at the time, he would probably keep reloading until he ran out of ammo for his 12 gauge. In CO, NE, SD, ND and WY insurance companies paid out over 2 billion in hail damage in 2002.

In my company our franchisees have general liability insurance to wash on properties even if it is just cars.

http://www.carwashguys.com

and also if we are steam cleaning concrete;

http://www.concretewashguys.com

so these are serious issues and since the insurance companies cannot deny insurance to any business for International or Domestic Terrorism you have to ask yourself something. Why are insurance companies spreading the risk to all business liability policies if those other businesses are at no risk? For instance, you can assume places like the Sears Towers in IL, Disney World in Orlando and Las Vegas Strip may be potentially viable high risk locations for possible increased costs, however a franchisee in North East Chattanooga, TN who washes cars should hardly have to pay that additional $300 per year? Reality does not warrant it at all. it is not right, it is not fair and our team and all small businesses are being penalized for no reason and in the middle of a slowly recovering economy too.

Small Business has taken a hit either way in insurance costs after 9-11. Insurance costs have gone up 30% in the last three years, some is due to excessive lawsuits and too many attorneys and a society which thinks it has the right to be irresponsible, yet 9-11 was a huge turning point and it has been going up ever sense, some say as much as 50% in certain sectors.

“Lance Winslow” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

A month or two back I was in an online discussion with someone who had had an article of theirs printed and quoted from without their permission, and without the proper copyright notice. The author was up in arms and was wondering what to do about it.

No matter how much inventory you have, or how large your customer base, the viability of your business depends on the flow of your thinking, your creativity, your presence. What do you do when someone steals your hard work?

Send a thank-you note.

Remember the Grateful Dead? I was never a big fan, more into punk myself, but I was always intrigued by friends who had dozens and dozens of “bootlegs” of Dead shows- recordings they personally made, or bought from someone else.

What many people don’t know about the Grateful Dead is that early on they made a decision to treat the band as a business, and made many decisions to leverage their success, without compromising their values.

They noticed that their fans were recording their shows. Unlike many other bands and industries that tried to stop this nefarious activity (remember Napster?), the Dead encouraged it. Why?

Have you ever tried to act like someone else? How long could you keep it up? The last time I unconciously started writing like someone I admired, I started getting unsubscribes and complaints like crazy, and I had to come back to my own authenticity in a hurry.

The Dead, by smiling at bootleggers who were making “unofficial” copies of the shows, were actually encouraging the growth of community. More people attended their shows just to record bootlegs. It created a “collection” mindset. It was a big deal to say that you had a particular bootleg, and even more of coup to say that you had been at that show.

And, their official records, more than 50 live and studio releases, were a part of the ‘collection mania’ and had strong, profitable sales over 30+ years.

Instead of spending your time and energy trying to police your “intellectual property rights,” put your attention on your heart and your authenticity, and encourage others to make the best use of your materials and ideas. Trust that your customers can tell your authentic presence from someone else who is just riding in your draft.

Are there times when it’s worth it to protect your stuff?

Keys to Hippie Protectionism

• It’s not thieving to be in the morphic field.

Biologist Rupert Sheldrake originated the “morphic field” theory in modern science (something that has been observed spiritually for eons). The basic theory is this: genetics alone doesn’t explain why a plant grows in a particular form. Why do oak leaves all have basically the same shape?

Sheldrake advanced a holistic theory that “morphic fields” hold the pattern for structures. In a similar way, it’s not uncommon to find scientists, writers, researchers all working independently on similar ideas, remote from each other. Read his article.

If you are “inspired” by a particular idea, and you notice others taking up the flag as well, don’t fret about being stolen from, or someone getting “there” faster than you. Instead, rejoice that the morphic field is making your inspiration more accessible and understandable to the general public.

• Creative Commons Licensing

Instead of a regular strict copyright, you can use the Creative Commons licensing approach to be more flexible and generous in approaching your “intellectual property.”

In their own words: “Creative Commons offers a flexible range of protections and freedoms for authors and artists. We have built upon the ‘all rights reserved’ of traditional copyright to create a voluntary ’some rights reserved’ copyright. We’re a nonprofit. All of our tools are free.”

For more information, check them out. http://creativecommons.org/

• Wholesale stealing of your entire show.

I have seen instances when someone has copied a website completely, word-for-word, including the free give-aways and bonuses. I always feel a little sad the very, very few times I’ve seen or heard of this, because someone is so clearly shut-down in their heart, and feeling desperate. Their business won’t last sustainably like that, but it is good to take official notice so you don’t have problems later on.

In these instances it’s often easy to send a note to them telling them you’ve noticed them and they need to cease and desist. If they don’t respond, you can look up their website registration on Whois.

Generally, an email sent to the company where they have registered their domain name will result in some action.

If you want to track certain words and phrases on the web, you can use Google Alerts.

However, this is an extreme case, and you will probably not encounter it.

Let your heart rest easy about “borrowers.” Stay in your authenticity, keep letting your heart move you forward, and rejoice that what you are inspired by is resonating so strongly with other people. This means you probably have a very viable and profitable market for your business.

Mark Silver, founder of Heart of Business, is author of Unveiling the Heart of Your Business: How money, marketing and sales can deepen your heart, heal the world, and still add to your bottom line. Get three free chapters of the book online: http://www.heartofbusiness.com

Every year it’s the unvaried story. Despite running to work, and an occasional trek, every skiing season kicks off on those torturous first few trips when one is left in the paths of younger and fitter ski touring chums. If you’re not match fit whilst skiing it’s unenjoyable, and could be very unsafe. To descend one needs to have spare capability. A tired skier is more than likely to suffer skiing injuries and tiredness can be a contributing element to accidents, for example falls and avalanches.

There must be a nicer manner in which to start the winter, and a lately brought out 306 page account by Brenda Parks, who previously seems to tender a resolution. Whilst aimed at climbers the information is mostly practical to skiing, with its energetic ascents besides other games. Climbing, training for peak results is well detailed and easy to read. It is a acceptable comprehensive manual that assembles some good research. One may develop a precise exercise regime or improve your existing one. Afforded that it is mainly for mountaineers, thus much of the report will be irrelevant for ski touring, it’s by all odds a guide to buy if you want to do some of the long 24 hour or multi-day classic routes on your snowboarding holidays.