Effective Stock Rotation Increases ROI

/p> Every year is the same. Even leap years are the same as other years. Each January is followed by a February. There is always a November before December. Tuesday arrives after Monday. There are always twelve months to a year and three months to a quarter. There are four seasons: winter, spring, summer and fall. Since each year is the same it offers a retail business the opportunity to plan for ROI (Return on Investment). An effective policy to have is to never have the same merchandise in ...


Student Health Insurance

Students often wonder if they really need health insurance. It seems like a reasonable question when you are young and healthy and seemingly invincible. After all, almost everyone who knows how to access the health care system is provided with basic health care services and acute care (like emergency care) in the United States, regardless of whether or not they have health insurance. Young adults tend to use health care services less often than any other group. The odds are that a young adult ...


Ethical Finance

On one hand consumers are being universally criticised for running up significant amounts of debt on credit cards, yet conversely many companies are capitalising on the growing credit card debt, from charities and political organisations to football clubs, the Association of Surgeons and somewhat ironically ActionAid, an international development agency whose aim is to fight poverty worldwide. Financial comparison site moneynet.co.uk provided 226 credit cards in a general credit card search, ...


Health Insurance for International Travelers

If you are planning a trip overseas then you have probably wondered how your US medical plan will cover you outside of the U.S. If you have a managed care (HMO) plan, then you might not have any coverage outside of the US. Any coverage you do have with an HMO is likely to be significantly reduced when you travel, with greater out-of-pocket expense for treatment outside of your normal coverage area. Privately issued medical insurance usually does cover you during overseas travel, but the cost ...


Cooking Outdoor Utensils - Planning To Cook Outdoors

Cooking is something almost everyone encounters in his or her life but not everyone can cook. It makes the people healthy and alive because food is what the body needs. Of course when preparing and cooking the meal itself, you need a handy cooking outdoor utensil to make things easier. Just imagine doing it all manually, you will surely have hard time and it will take up too much time. There are electric appliances that do the work for you so you just dump everything in the pan when it is ...


The Challenge of Life

The Challenge of Life by H. Vanoy Barton Challenge is something we all face every day of our life. Without challenge none of us would have learned to walk, to talk or to get along with others. Simply put, challenge allows the opportunity to learn. Do not fear any challenge. Those words are easily written, easily said. But, truer words have never been written. Challenge is the force of life. Standing upright is overcoming the challenge presented by gravity. Smiling in the face of despair is ...


Changes in the Face of Fitness

Yes, there have been changes in the face of fitness. Literally… the changes, are on my face! This is, yet another true confession of a lifestyle fitness coach. During Augusts marginally sweltering heat, while most were off in vacation bliss and splendor, the heat of drums were heard in NYC. All who were in the know awaited the results of your trulys' LIPOSUCTION! What's that? Liposuction! you say! On a trainer, no less! Well, it wasn't your usual Nichole Smith kind of slimming program. No, ...


Professional Home Decorating Is In the Details

Home decorating. For countless people all across the globe, these two words bring out an inner turmoil that leaves them frustrated and longing. I don’t even know how many times I’ve heard men and women complain, •My house looks like I just threw a bunch of stuff into each room. It doesn’t look professional. It doesn’t seem to flow or blend. It’s just there.” This is an all-too-common problem. You’ll be glad to know, however, that there is a simple solution to this home ...


Changes to International Health Insurance

Those who travel overseas for business or vacation may want to know that two of the world's largest international health insurance plans - •Atlas Travel” and the •International Citizen Medical Plan” insured by Lloyds of London have changed coverage and rates effective January 1, 2002. The coverage levels are increased for the new policies and the premium cost is proportionately higher. These plans are specifically designed to deal with the language issues, currency ...


Connecticut Cracks Down on Illegal Health Insurance Plans

The state of Connecticut cracked down on a number of unlicensed health insurance plans and agents this month. The Insurance Department issued warnings to consumers to check the licensing of any firm before doing business. The targeted illegal heath plans were primarily offered to small businesses through their professional industry associations. The health plans claimed that since they were not fully insured and operated in multiple states Connecticut’s strict insurance regulations did not ...