godspeedyoublackelf

HEy Guys

ive recently finished my pct for hdrol and i weigh 13st 10 pounds and my height is 5.8ft . Point is ive added on abit of fat round my waist and stomach, plus overal since i been eating alot its increased my bodyfat to around 16-20% . I also want to look more leaner, right now in my mind theres no use being big if you aint LEAN!

I know i will need to increase cardio which i will be doing 15 mins after every workout , plus i will be hitting the local park on thursdays and jogging with a black bag on me for a hour atleast.

also i will need to lower carbs and fats and calories and increase protein.

I want to know whats the best way i can loose 5-8 pounds of fat from now till mid april without loosing all the muscle or strength gains i have gained?

also what supplements can i take to support me to loose fat.

diet fat loss plan.

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Russian pawnshops increased lending to individuals by 18% in 2009 as banks were unwilling to extend loans to citizens over the high risk of defaults, a respected business daily reported on Wednesday.

Kommersant cited a financial stability report prepared by the Russian Central Bank, which said interest rates on bank loans as high as 25% per month helped pawnshops step up their business last year amid the ongoing crisis.

The report said the pledged items largely involved highly liquid assets such as gold jewelry.

The volume of pawnshop business in Russia is hard to assess as pawnshops extend loans for a limited period - on average less than two months - and, therefore, demonstrate high turnover, Kommersant said, referring to Dmitry Terentyev, general director of United Lombard.

“Proceeding from this, the volume of lending in 2008 measured about $1 billion, although pawnshop business assets were estimated at $120-180 million. Last year, lending increased 15-20% to about $1.2 billion,” Terentyev said.

The pawnshop market develops reversely to the banking market. Pawnshops are particularly popular during times of crisis, when people need money urgently and without any checks, and when banks are curtailing their lending operations, the paper said citing analysts' opinion.

An advantage of pawnshops is that they do not have to make provisions for loan impairment, which cut bank profits last year and prevented them from developing their business, the paper said.

However, as the economic situation in Russia stabilized in the second half of 2009, the sharp growth in pawnshops' business came to halt, the paper said.

MOSCOW, March 3 (RIA Novosti)

I am considering a new type of real estate investment opportunity - private money lending. This email that I just sent to my grandfather explains it all:

,

I have an investment opportunity that I want to get your thoughts on.

The realtor I've been working with for several years ever since I bought my first rental property is also a real estate investor himself. He has been buying properties, fixing them up, and renting them out for years, and he now owns over 30 homes in the DFW area. His focus is buying under priced properties (often short sales or even foreclosures, especially in the last couple of years) which usually need some degree of work. He swoops in and spends a few weeks doing the rehab with a specialized team; then he rents them out and holds them for mid-to-long term appreciation (he has “flipped” a few, but that's not his primary exit strategy). There is usually a significant deal of equity created during the improvement process, and his target is to stay under a 70% loan-to-value ratio. He borrows 100% of the cost of the property, but doing the repairs increases the value significantly. Being a career long realtor, he has access and expertise to evaluate all the local comps and has a good understanding of the true before and after values of these properties as well as what rent they can command.

Over the last few years he has turned to private lending sources as opposed to bank financing, primarily because it is easier and cheaper to obtain (especially in today's lending environment). He pays 8% fixed for five years for a loan with a 30 year amortization schedule. The lender also gets the property as collateral. At the end of 5 years they either re-negotiate the terms of the loan or he sells the property and pays off the lender (this is part of the reason he likes to keep 30% equity in his projects, in case he is asked to pay back a loan and needs to do so quickly).

As you can tell, I'm considering this as a way to diversify my real estate investments. I have been considering a third rental purchase this year and have been to see a few properties with him lately. He has also been looking to buy another investment, and in the context of our discussions he told me about his private financing arrangements and offered me the opportunity to be his source of capital for his latest project. It would be a way for me to get a secured 8% interest rate on this money without the trouble of buying, fixing, leasing, and managing a property myself. Seeing that the money in my trust is currently earning 0.01% in the Vanguard Prime Money Market account, this seems like an alternative worth considering.

I have gotten to know this man pretty well since we've doing business together over the last few years, and I trust him to the extent that you can trust anybody who is not a close family member or friend. He is a solid business person with a proven track record and owns his own firm as well. [Here I added some personal info on him which I will omit for purposes of this post.] I certainly trust his ability to select and manage real estate above and beyond my own - so it doesn't seem unreasonable to loan him money to do that when I'm otherwise willing to put money on the line to invest in real estate myself.

Attached is a spreadsheet with the project details. He wants to borrow $77K total - $47K to buy the house and $30K for renovations and repair. The repairs will take under a month to complete, and after that the property should be worth around $110K. He should be able to rent it out for $1,350 a month at that time, which would be more than enough to pay the monthly $564 loan payment to me.

The biggest risk is that he defaults during the renovation period - after that the property value should be well over the loan amount so even if I have to foreclose I would be able to recoup my investment. To protect me from that risk he only receives the purchase price at closing; then he puts up his own money for the repairs. After a few weeks when I verify that all the proposed repairs have been done, I advance the rest of the loan to reimburse him for those repairs. In the end he ends up having borrowed 100% of the cost of the project, and I end up with a $77K loan against a property worth $110K. I get monthly payments of 8%, and he gets $30K in equity plus positive monthly cash flow on a rental property.

I've been to visit this proposed property and also toured some of his previously completed projects. I also verified the comps which were used to come up with the $110K after-renovation value. I'd like to consider this transaction. What do you think? I know you have lent money to various folks for similar ventures before, so I really value your opinion on the subject. Also I'm considering using trust funds for this, and I wouldn't do so without your approval.

So what do you all think? Are there other risks I need to consider? Do the terms of the deal seem fair? I also need to decide whether to lend the money from the trust directly (simpler structure but higher tax rates) or to take a trust disbursement and lend it personally (liability/ownership issues?) or to set up a separate entity from which to lend the money (an LLC I presume, but is it worth the money/hassle?).

If you initially look into the term WreckingBalm-tm, you would possibly believe it has to be undoubtedly some other at-home tattoo removal cream. But then a little bit of study proves it's a exclusive program that includes FDA authorized technology in the form of a hand-held tool which will safely escalate the two techniques of tattoo fading and also removal. Here's part of what I found out at this Wrecking Balm Reviews internet site.

To start with, you will find distinct methods to do away with tattoo ink. Tattoo ink removing might take place as a result of fading away the tattoo from the surface of the skin. Or a particular way that will remove tattoo ink works in the epidermis, by splitting apart the large beads of ink embedded inside your skin into small ink drops which are taken out by your body easily. Wrecking Ball tattoo remover works so you can get rid of tattoo ink with both top-layer fading plus within the actual skin techniques. And it succeeds to remove all of the tattoo ink colorings.

As a matter of fact, WreckingBalm appears to be the single at home tattoo removing cream that is a lot more than just a cream. Every one of the other in home tattoo removers simply call for applying lotions or else gels on the top-layer of tattoo skin in order to fade and lighten your tattoo. The real variations among the various other tattoo fading creams are really contents, quantity of steps or distinctive creams/gels you put on, and frequency or just how regularly to apply. You can pay a visit to this link to find out about the composition of Wrecking Balm.

Luckily you will find economical home tattoo removal methods sold for people to get rid of tattoos within the privacy of their own home. Also WreckingBalm sells for pennies in comparison to pricey laser sessions. There's a hyperlink above where people can get a discount worth 55% off Wrecking Balm-tm.

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Carnival Cruise deals provide holiday planners lots of activities, and are famous for the wide variety they feature - and also being a lot of enjoyment for All the family. A cruise holiday is a well-liked decision supplying the perfect alternate to driving a car and flying. Not everyone is charmed by the expectation of a long tedious flight or choosing a fly-drive holiday, especially with kids. Generally, the actual traveling involved is often much more traumatic as compared to staying at home. Naturally, Carnival Cruise bargains are certainly not reserved for families, they are well suited for single people and couples … actually, they'll appeal to practically any group size.

The exact time of year will certainly make a big difference to the buying price of all cruise deals on the market - irrespective of cruise line or extras. Touring early in the season or towards the close of the season will be cheaper in just about all instances.

These days a Carnival Cruise is usually one of the most popular cruising getaways in the USA. Many of the Carnival Cruise deals available stop by many ports along the way, adding towards the pleasure. A variety of destinations will have a different price — staying open minded regarding destination and checking out any special deals will ensure that your travel cash extends to the max. It may be that you could obtain an upgrade or visit a unique location that normally is outside of your budget. This is especially true in case you are able to take a last moment Carnival Cruise bargains which can be frequently available.

A majority of the voyage deals being offered incorporate dinners as well as a variety of extras - but not every one. Examine specifically what is bundled. It may be that a certain discount offer being offered is not going to really save as much as you imagined. It depends on exactly what you are searching for out of your getaway. You may possibly finish up paying a great deal more to get food along with additional recreation onboard than you might have when compared with booking a more inclusive package in the beginning.

Hence when it comes to various Carnival Cruise deals which can be purchased, it is important to think about this point: a few extra dollars in the beginning could in fact save a Large amount of additional expense during your vacation. Do your homework and also examine the small print.

By taking these things into account in picking from the Carnival Cruise deals available on the market will likely aim you to the right vacation. And a cruise is actually already a step in the correct direction.

Click Luxury Cruises & Eastern Caribbean Cruises & Carnival Cruise Dealsfor more info. Copyright 2010 Ron X King. Source: Go Articles.

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Kenya - Accounting Jobs

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Return to the World Jobs Kenya Forum Topic List
See Newest Kenya Messages• Page 1 (Original Post) •

Ronoh Hillary Kiprotich (212.49.85.2) - 03/01/10 03:16

What type of job are you looking for?

I am looking for job that suits my accounting career

What nationality are you?

I am a Kenyan by birth

What languages do you speak (and at what level)?

English & Swahili at national level

What country or area are you looking to work in and why?

I am looking to looking to work in any country since i think accounting as a profession is the same through out the world.

What countries have you worked in?

Kenya but as an attache e

What countries do you have a visa to work in?

I think i can work in Kenya since i am a Kenyan

What field do you currently work in?

At the moment i am not working

What fields have you worked in before?

I was once an attache e at Postal Corporation of Kenya in the Finance & Strategy Department.

What qualifications do you hold?

I am CPA Section 5 holder an have 2 credits in Section 6.

Which do you consider more valuable? Formal education or skills and why?

I can say skills is valuable since this is what most employers require.

Describe the benefits of working with others

Working with others is of great beneficial because you work as a team sharing knowledge ideas and skills for the benefit of the organisation.

Describe the benefits of working alone

working alone leads to high efficiency due to less time wastage in consulting others for there opinions

What is the most important lesson you have learnt throughout your career?

I have learn that accounting as a profession is a challenging one but also interesting. there are allot of ups an downs and it needs allot of determinations and perseverance.

What would you consider as your 'dream job'?

My dream job is being a CEO in one of the successful companies in the world

What are the most interesting aspects of your field?

The most interesting aspect is being professional, you are expected to give the accurate an meaningful decisions in an organisation

Wjat are the least interesting aspects of your field?

To pursue accounting as profession is not an easy task. it needs a determinant person.

what bad moments have you experience in your career

being jobless and looking for a job is the bad moments i have experience in my career.

How can potential employers contact you?

Potential employers can conduct me though my cell phone no. 0725-829-561.or postal address P.O Box 40328 NAIROBI Kenya. or E mail address  ronohhillary73 at yahoo.com

• Page 1 (Original Post) •

See: online data entry jobs

Source: So You Want To Build A Website?

Sponsor: Sell on eBay

Introduction

When I decided I needed a website for my business I had no idea of the planning involved. Like most people, I thought web design meant deciding on the graphics and the look of the pages and then by some magic it would all happen.I simply hadn’t had any exposure to the planning and build process which I now know to be extensive!

I have a friend who is in the business of SEO web design and website development so I approached him for a quote. As a complete novice who is computer literate up to a point, I was amazed at the depth of initial questioning required to find out exactly what my requirements were.

I had no idea about the various elements and the structure of the site and I found it mind blowing when I learnt about the amount of work involved. So I thought other people would be interested to know more about this complicated process particularly if you consider yourself a non computer person and have to get a website built. I have asked my SEO friend to supply the technical information for this article.In case you are wondering ‘SEO’ stands for search engine optimisation, and refers to the practise of getting your website ranked as close to the top of the results for a particular search term in a search engine. You see you’re learning already!

Stages in the Process

Target Audience

Before building a website there are important questions to consider. I was asked who would be my target audience. Who are my customers likely to be? Would they be children, businesses, home owners, sales people, parents or teenagers and so on? If you are not clear on your target audience then you are not going to be able to set the tone of the site correctly so this is a very important consideration.

The Objective of the Website

Then I was asked, what was the objective of my website? Did I want to sell services on line or use it to market my business and get more leads for potential customers? Maybe I would want to use the site as an online brochure to showcase my services. Another possibility was to use the website to foster a community so that I was in contact with other like-minded people, with chat rooms, online discussions and being supported by advertising on the site. This didn’t really apply to my business, although I did think about offering to advertise allied services!

I hadn’t quite realised the scope of a website but as I was asked these questions it became clear that a lot of careful thought went into the preparation before building a website.

Creating a Site Map

The importance of creating a site map is to get it clear in your mind of all the pages you will have on your website so you can prepare the content for each page and begin to design the flow through the website, such as when a user adds a product to their basket, then enters their delivery and billing address and makes the credit card payment in the correct order.

A sitemap is basically your blueprints or technical drawings from which all the other elements of building the site will stand, such as planning the navigation, SEO, copy writing and the flow through the site.

The aim is to make the site as simple to use as possible so that there are no barriers to getting into the website or making a purchase. For that reason often user name and passwords are set for the customer so that they are not put off making a purchase by having to register. How many times have you gone to buy something online and then been faced with having to choose a user name and password to create an account, and fill out all of your address details and decided not to bother in the end? Well they just lost a sale!

For a non e-commerce site things are simpler with a contact form which allows you to receive enquiries by email without publishing your email address on the website, thus avoiding junk email.Web forms can also validate the information before you receive it, so ensuring that the phone number provided does not contain words, and that the email address is in the correct format, for example. These things may sound very technical to us lay-folk but I assure you everything has to be decided on before starting on the construction of the site.

Your Domain Name

Choosing a domain name is often quite a challenge because every name you initially come up with will almost certainly have been taken. Domain names ending in .com are by far the most popular and internationally recognised; the snag is that it’s very popularity means that the majority of the shorter names have probably already been registered. However, you can usually think of some domain name that is available, which is much less time consuming than trying to purchase a previously registered domain name from its existing owner, most of the time just contacting them, and getting a reply is a challenge.

So looking at names with endings such as .net; .org .co.uk or .info may be able to provide you with the domain name you want. When choosing your domain name it is very important to include one or more of your keywords if possible as this can apparently help with search engine rankings. So although the name of your business is the obvious choice for a domain name, it is not necessarily the only option.

Copy

The next stage is preparing the content. This is not the design of your website – just the words and visuals you want to have one each of the pages.

Having gathered all the previous information you will need to decide what imagery you want to use within the website content. As we all know, a picture speaks a thousand words and remains in people’s memory far longer than just words.

For each image you could also have a caption, as the caption of an image is the next ‘most read’ words on the page after the page title. Images and their captions need to be clickable. When you click on a picture it should take you to the next stage of the process such as the sale page or placing an enquiry if your website is for lead generation. All images should also have alternative text or alt tags. Alt tags will display the hover text when you position your mouse over the picture, but also they are used by screen readers to assist visually impaired users know what the image is about. See the section below on Accessibility and Compliance.

Website Design

Finally we come to the design of your website.

I asked my friend in web design to comment about this and he says it is one of the most difficult stages of the process because it’s so subjective.

There are a number of ways to approach web design but ultimately you need to create a design brief for the designer(s) to work from. Look at other websites and your competitor’s websites to find out what you like or dislike. The design brief should give reference to the logo, any existing brand guidelines or schemes and fonts and colour schemes, and should also detail which pages of the website that the designer is being tasked with creating visuals for. See the Sitemap section below.

The very best results will be achieved by using a graphic designer, and beware – not all graphic designers are the same. A graphic designer who designs specifically for print is working in a different discipline than a graphic designer who designs for screen and specifically the web. So choose your designer carefully, look at other work that person has done and determine whether or not you like their style.

If you are working in the big time and budget allows, use multiple graphic designers who have all been given the same design brief and request three concept designs from each designer. If the client themselves also do a graphic design, even if it’s a back of the envelope scribble, you will then have 10 concept designs. The next step is to get them all together and select the preferred elements from each design. Then give the work to the selected graphic designer to work up as the final artwork. Once you have reviewed the final visuals the artwork files will then be provided to the developer, usually in layered Photoshop files.

The artwork should be finalised and agreed on by everybody before construction of the site begins. Otherwise it can lead to costly and time consuming changes and frustration for both the developer and the client.

Navigation

Another important consideration when building a website is how you want your navigation to work. You can have links within the content of your website, in the text, so there are not just links from the menu. You will need to decide whether the links will open into a new window, retaining your original page open or just change the page to the one clicked on. Next time you go online, you will realise how much thought has gone into the way in which a website works. You will may also have some ideas for improving how some of them work after reading all of this!

Production

Finally the preparation has been done and the site is ready to be built. Now for the more technical stuff! You will need to have decided which programming language to use to build the website. There are two main types for developing a website, one is Unix based, and the other is Windows based. Each one has advantages and disadvantages. If you are starting from scratch then it probably won’t matter, so you can go with the preference of your professional doing the work. My website is built on the Unix platform (apparently!) which is the same as many of the more well known websites such as Ebay, Facebook, Google and Amazon. Also your website hosting must be compatible with the development language with which your website is built.

Work In Progress

The best way to build a website and be able to monitor work in progress is on the web server where the site is ultimately going to live. This way, those involved in reviewing the work can see work in progress and provide feedback throughout the development process.

Launching Your New Website

The moment of excitement comes when your site finally goes live and you see the results of all the thought that has gone into the whole process.

Having put in many hours rewriting mission statements and demolition legislation texts for our demolitions website I was thrilled when the site eventually went live.

As soon as the site has gone live there is no substitute for real world testing though, so ask as many of your friends and colleagues to view the website from their own offices and give you their thoughts.

Accessibility and Compliance

The website has to meet the current standards for website coding and doing so insures that disabled users, such as the visually impaired, can still access the entire website if they are using a screen reader. It is also a good idea to also discuss conformance moving forward, particularly if you have a web content management system, because and accessible of compliant site may become un-accessible after six months of being edited by you if you do not add or edit the website content in an accessible manner.

Unforeseen Items

There are always things that arise in any project which you suddenly realise you have forgotten, so no matter how well the web designer prepares and asks the right questions, there is bound to be a last minute change of mind or addition to the site. The main aim is to minimise the number of glitches that might arise because they aren’t calculated in at the start and they could cause extra costs and delays on the date of the website going live.As a general rule it is always a good idea to get he site live to the original plans and then look at an update after it has gone live, unless it is a very small deviation from the initial plans.

Reporting and Monitoring

Once your website is up and running, you will want to know how many people visit your website and from that number how many actually buy the products or place an enquiry. From these statistics you can work out the ratio of visits to sales and gradually make changes to improve the ratios. There are some reliable statistics packages such as Google Analytics or Web-Stat.com which allow you to collect and review website visitor data in near real time. All you need to do this is to have a small block of code inserted into each web page on your site.

Another useful service that Web-stat.com provides is to monitor the website and warn you by email or text message if the site is offline.

Marketing

Once the website is live there are lots of things you can do to market your product or service. The first step is to submit it to the search engines and at the same time write articles, and press releases. Getting links to the site from forums, blogs and other social networking spaces are other options. For more on this subject ask your developer about SEO, remember that’s search engine optimisation.

How to be Found on the Web

One of the first questions I was asked was, ‘Do you want it to be found by Google the main search engine?’ If I did then there was a whole process of establishing Keywords. So finding the best keywords are vital if you want to be found in Google. He says there are two main types of keywords. The first is the trophy, or generic, keyword for the industry which in my industry is simply ‘demolition’. The second kind of keyword is the long tail keyword. These are not searched for as frequently but if you can get a match then they are much more likely to convert into customers. A good example of this in my industry is ‘factory demolition company Derby’. So it is very important to do a lot of research on keywords to find both those that are the most popular and the most specific. Generally most users only look at the top ten results so you will want to get your website promoted so as to get on this page for your chosen keywords. By using a keyword research tool such as the keyword lookup in the Google Web Master Tools kit you can find the single most popular keyword for your industry.

Conclusion

Wheww. What an amazing amount of work! I hadn’t realised when I started the process of getting a website up and running, how complicated it all is and how many factors you have to consider before even designing the website. The word web design is really a misnomer, as people often think it’s just about the graphic design on the home page, and the branding of the product. Unless you are a computer whizz, most people have no idea how much goes into designing and building a website and the systems that support the work you want it to do. I hope that this article gives you an understanding and insight into the whole process of website development from start to finish.Next time you type in a web address or click on a link to a website, remember all the above work that has probably gone into it!

Just about all rabid sports enthusiasts would enjoy showing support for their favorite team(s) — and putting on the colors of that team is one excellent manner of showing your loyalty. Putting on a team jersey with your favorite player’s name will be fashionable forever.

Stylish, flexible, comfy and presenting pure team spirit – perfect for a sports fan(atic)!

One thing to look for is authenticity, because that guarantees high quality; that the item has been carefully produced to be exactly the same as the teams' jerseys in material and style. So your sports jerseys look great and they keep you comfortable.

Look for serial numbers or holograms as indicators that the jerseys are legitimate. Also purchase from a reliable source to guarantee a genuine jersey.

Sports jerseys are available in many colors and designs. People do not always choose a jersey just because they follow that team. Many people have a favorite athlete they may have followed for years, across several teams.

Sport jerseys are highly fashionable and so even non sports fans often choose to wear them. Some people buy their jerseys purely because the jersey looks good, and they look good in it.

Customised jerseys are also available – you can create your own individual jersey with your own colors, name and number. Good if you are determined to make your own sporting 'fashion statement'. There are lots of customized options offered through the many reliable suppliers of sports jerseys, so it is easy to express your individuality.

Whether you are putting on your jersey to show fashion sense or to show team spirit, sports jerseys have become an essential clothing item. And, above all, sports jerseys will never go out of style.

Click Sports Jerseys & Sports Jersey & Sport Jersey for more info. Copyright 2010 Ron X King. Source: Go Articles.