Married Couples

By Ross Bainbridge Marriage between a man and woman is considered sacred by most societies, and is a legal union - an agreement to live together for a lifetime. Society favors marriage because of its positive effect on the family. Traditionally, it serves as a tool to preserve morality and civilization. Married couples commit themselves to each other throughout a marriage. In the past, the duty of the husband was to provide for his family and home. The duty of a wife was to serve the husband or family. The husband would provide the family with necessities and protect the family. The wife maintained the home and reared children. With changing times, roles have changed considerably. Women have increasingly joined the work force, and contribute a lot in terms of providing for the family. They are no longer chained to the home and are able to venture out and lead an economically productive life. There are instances where the man has taken the onus of maintaining the home or rearing children. Financial independence in women has brought about a lot of changes in the duties and status of married couples. There are married couples that enter into anti nuptial agreements in contemplation of a break up in the relationship. This is basically done when there is property involved in marriage. Separation agreements are entered into before marriage. This takes care of child rearing, visitation rights and alimony. The reason that these agreements are allowed by law is to protect the parties involved. In the US, marriage is governed by the state. It is not necessary for the couple to go through a marriage ceremony to be actually married. If the couple enters an agreement of marriage, they are considered married. A man and the woman have to be a marriageable age according to the law. Couples provides detailed information on Couples, Celebrity Couples, Interracial Couples, Couples Counseling and more. Couples is affiliated with Relationship Advice . Article Source: http://EzineArticles.com/?expert=Ross_Bainbridge http://EzineArticles.com/?Married-Couples&id=304438 sba loan for women
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Effective Marketing: 5 Tips TV's Apprentice Candidates Could Use to Win

By Debbie LaChusa I've watched the original Apprentice with Donald Trump's business overachievers since last season and I just caught my first episode of The Apprentice, Martha Stewart last night. And I must say I've noticed a common theme brewing. The tasks are usually lost, and an apprentice candidate fired, due to a lack of marketing and sales. These teams of bright, creative and talented people develop new products, put on events and face other very challenging assignments every week. They don't always work well together as a team (that's another story and another article altogether!), but they are generally very proficient at successfully completing their tasks. And they usually impress their high-powered, potential bosses, too. That is until they get to the results of the weekly contests. Even with all their smarts, talent and great new products and ideas, in the end it is revealed they are often missing THE most important ingredient in any successful business venture: an effective marketing plan. More often than not, the team that loses is the team that didn't market well; the team that didn't sell as much product. Because in the end that's what it's all about. It doesn't matter how great the product or event is. If no one buys or shows up, it's a bust. And Donald Trump and Martha Stewart, two of the most successful businesspeople in the U.S., know this. And they make decisions every week on national TV about who to fire because of it. So why is it that all these highly educated, talented people can't market well enough to get the job done and get themselves a job - which is ultimately what they're all striving for? My guess is because they were never taught how. And therein lies the reason many bright, talented and creative small business owners and entrepreneurs, with great products and services, also fail in business. In fact, according to Entrepreneur Magazine, 80% of all new businesses fail within the first five years. Ouch! So what's the solution? Does someone need a degree in marketing to succeed in business? Well, no. But some basic marketing know-how and the ability to put together a marketing plan is a must if a business is to succeed. So what are the marketing basics a new business owner or entrepreneur needs to know? Here are 5 marketing basics that are the cornerstone of any effective marketing plan: 1) Know and understand who you are marketing to, usually referred to as your target market. If you want your marketing message to be effective, it has to speak to YOUR audience. They have to connect with it. It has to be important and meaningful to them. 2) Know why this specific group of people would want to purchase your product or service - the old marketing acronym: WIIFM or "What's In It For Me?" Focus your marketing message on these key reasons or benefits. 3) What's your competition look like? You're not operating your business in a vacuum. Your potential customers have many choices. You need to be aware of and understand what those
choices are. 5) And last, but probably most important, you need to understand how your product or service stands out from the competition. How is it better, or different? Why should someone buy your product or service instead of any of their other choices. Give them a compelling reason that ties in with what's important to them, and you've got a much better chance of winning the marketing game. And in the case of The Apprentice candidates, winning the job. (C) 2005 Debbie LaChusa Debbie LaChusa created The 10stepmarketing System to make marketing your own business as simple as answering 10 questions. Learn more about this unique, step-by-step system and get a free 10-week Marketing E-Course when you subscribe to the free, weekly 10stepmarketing Ezine at
http://www.10stepmarketing.com Article Source: http://EzineArticles.com/?expert=Debbie_LaChusa http://EzineArticles.com/?Effective-Marketing:-5-Tips-TVs-Apprentice-Candidates-Could-Use-to-Win&id=84911 project payday login
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Is Your Legal Team On A Collision Course With GAAP?

By Richard Hall It seems as though the accounting rules that just a few short years ago seemed to be carved in stone and generally accepted by almost all businesses, are now more like accounting questions that are subject to ongoing challenge, discussion and debate. It also appears that rules governing the once sacrosanct relationships between corporate counsel and senior-level corporate executives are also now open to ongoing discussion. These new rules, established under the Sarbanes-Oxley Act of 2002 and enforced by the Securities and Exchange Commission, require both in-house and outside lawyers who see evidence of any "material" wrong-doing in businesses to report it up the corporate ladder. This rule is causing quite a stir in the executive ranks, where all business-related discussions between corporate executives and corporate counsel were previously considered protected under the attorney-client privilege. Senior-level executives, who were once comfortable discussing sensitive legal matters and tough business decisions with corporate counsel, arent quite as conversational anymore. These now tight-lipped corporate executives feel that frank and open discussions with their corporate counsel may not be in their best interest, and at some point could be used against them in a court of law. The fear of being dragged into court, or worse, being dragged in front of their Board of Directors, has many of them taking a vow of silence. The Securities and Exchange Commission meanwhile, contends that theres no need for concern over issues of attorney-client privilege between senior executives and corporate counsel, because the privilege never existed. The SECs position is that corporate counsel works for the corporation and shareholders, not the senior-level managers. Former SEC chairman Harvey L. Pitt left no doubt as to where corporate lawyers should pledge their allegiance. "Lawyers for public companies represent the company as a whole and its shareholder-owners, not the managers who hire and fire them. This tidbit of information comes as breaking news to many senior executives who for years have openly discussed sensitive legal matters acting under the belief that they were protected by the attorney-client privilege. Im sure that most corporate attorneys wouldnt argue against the idea of protecting shareholder interest. Its just that by placing attorneys in the role of corporate whistleblower, the SEC has created an adverse relationship between corporate counsel and the senior-level executives theyre hired to represent and advise. In addition to making waves in the corporate boardrooms, these new rules of attorney-client conduct also seem to directly challenge states rights governing attorney-client conduct. Some argue that Sarbanes-Oxley and the SEC have overstepped their bounds in an overzealous attempt to regulate business conduct, and in the process have taken regulation of corporations and their corporate counsel away from the states and turned it over to the federal government. That question is still open to debate, and will be for quite some time. But what is known, however, is that in the new Sarbanes-Oxley world, accounting rules and regulations are subject to change and should be considered an ongoing work in progress. You can expect new and revised rules to keep showing up every month or so at the federal, state and local levels, and while the SEC appears willing to consider some minor changes to existing regulations, possibly scaling back rules affecting smaller companies, dont expect any sweeping changes. And with the new rules being added and existing rules being revised, expect both legal spend and accounting costs to continue to soar for many years to come. Richard A. Hall is founder and President/CEO of LexTech, Inc., a legal information consulting company. Mr. Hall has a unique breadth of experience which has enabled him to meld technology and sophisticated statistical analysis to produce a technology driven analytical model of the practice of law. As a busy civil trial attorney, he was responsible for the design and implementation of a LAN based litigation database and fully automated document production system for a mid-sized civil defense firm. He developed a task based billing model built on extensive statistical analysis of hundreds of litigated civil matters. In 1994, Mr. Hall invented linguistic modeling software which automatically reads, applies budget codes, budget codes and analyzes legal bill content. He also served as California Director and lecturer for a nationwide bar review. Mr. Hall continues to practice law and perform pro bono services for several Northern California judicial districts. Article Source: http://EzineArticles.com/?expert=Richard_Hall http://EzineArticles.com/?Is-Your-Legal-Team-On-A-Collision-Course-With-GAAP?&id=360431 undecured personal loan
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Low Carb Diets: Craze or Crazy?

By James Watts Low carb diets, though popular, have met with much controversy. This type of diet simply doesnt fit with what the American Heart Association recommends. But the success that so many people have had with low carb diets can really make you wonder if the food pyramid that we all learned in grade school, has been wrong all along. Some carbohydrates give us energy while others actually make us more sluggish once we lose the sugar buzz. Those carbs also tend to make us crave more of the same thing and it becomes an unstoppable cycle. So where the food pyramid tells us that we need to eat carbs, it doesnt tell us which ones are going to be good for us. Some low carb diets go to the extreme and cut out all carbohydrates for extended periods of time. Our bodies were not designed to tolerate this deprivation and the response is ketosis. What happens is that your body metabolizes fats for energy instead of carbohydrates, just as someone whose diabetes goes untreated. It sounds logical though, right? Cut out the carbohydrates and your body is going to dig into that fat reserve for energy. But safety and long term health come into play here. You will certainly lose weight this way, but at what cost? Many people have tried every diet under the sun and finally found a satisfying and successful solution in low carb diets. That doesnt mean they are for everyone. You should always check with your doctor before beginning any new weight loss program. Your individual weight loss needs may warrant a low carb diet and your doctor should be able to help you find the one thats right for you. James is a published author at Fitness Freaks, a site dedicted to bringing you up to date information on Health and Fitness related topics. For more great articles, visit our Fitness Articles page. Article Source: http://EzineArticles.com/?expert=James_Watts http://EzineArticles.com/?Low-Carb-Diets:--Craze-or-Crazy?&id=33893 no credit check mortgage
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Samsung D600 - Let's Talk To The World

By [http://ezinearticles.com/?expert=Carly_Charu]Carly Charu Samsung mobile is known for its luxurious design. Most of the mobile phones from Samsung are sleek and compact. In the D series portfolio, Samsung has introduced a series of mobile phones that have been specifically designed to suit fashion conscious consumers and business professionals. One of the most popular D series handsets is the Samsung D600. This handset is more popular for its slider design, sensuous sleek black body and the multimedia features. The elegantly designed slide phone is packed with lots of functions such as TV output, business applications, mobile printing and a 2.0 mega-pixel camera with flash. Samsung is also popular for its leadership in LCD technology. The Samsung D900 also comes equipped with a wide 2 inch, 262k QVGA LCD screen with a resolution of 240 x 320 resolution allowing users to view documents, files and video with clarity. The Samsung D600 comes with TV output and Document Viewer enabling users to connect the mobile phone to a TV screen for viewing images and video clips. And with Document Viewer, users can present documents in PowerPoint presentations by connecting the phone to a projector. What's more, the phone supports all the Microsoft file types such as MS Word, PowerPoint, Excel, PDF and HTML. Users can view, send and receive documents like a PC. The Samsung D600 comes with superb sound quality. Featuring a digital music player, a speakerphone with dual speakers you can download and listen to your favourite music tracks on the move. And with stereo Bluetooth go wireless! This is the first phone from Samsung that supports wireless stereophonic sound. To store heavy documents and multimedia files, the Samsung D600 comes with 73MB of in-built memory and 64MB of Transflash card. The memory space can further be expanded up to 512MB for convenience. Weighing only 103g, the [http://www.mobilerainbow.org/Samsung/samsung-D600.html]Samsung D600 phone is very easy to hold. Hold it and enjoy all the features on the move. Carly charu is an expert author and the webmaster of [http://www.mobilerainbow.org]Mobile Phone Reviews The website having details of
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Breast Enhancement Surgery

By Eric Morris Breast enhancement surgery includes breast augmentation and breast implants. A few advantages of enhancement surgery are proven and predictable results. The surgery is one of the most expensive methods for breast enhancement and enlargement. The surgery generally consists of a surgical implantation of sacs filled with saline under the breast tissue. Currently, all women undergoing the surgery receive saline filled implants consisting of a silicone shell filled with saltwater. A small incision is needed for this surgery. The incision can be made either within the armpit, underneath the breast or at the lower edge of the areola (pigmented skin surrounding the nipple). The incision usually measures less than one inch. A pocket is then created either directly behind the breast tissue or under the pectoral muscle, which is located between the chest wall and breast tissue. Patients who decide to have breast enhancement surgery have the risk of asymmetry, visibility, palpability, rupture, deflation, infection and scarring. Other materials used for enhancement surgery are silicone shells filled with silicone gel. Silicone shells are currently not available in America because the FDA is conducting trials on a new type of silicone gel that is believed to decrease the instances of leakage. String Implants are a much less common type of implants, but they can help achieve the largest size of breasts possible. String implants continue to grow after surgery. Adult entertainers mostly favor this kind of surgery. A new form of implant is in progress called the Tissue Engineered Implant. This type of implant works on the principle that cells are taken from the body of the patient and are then combined with the proper scaffold material to prepare the Tissue Engineered Breast Implants. There are no risks of leakage or rupture in this process. Also, the size of the implants remains stable. Breast Enhancement provides detailed information about breast enhancement, breast enhancement creams, breast enhancement pills, and more. Breast Enhancement is affiliated with Breast Enlargement Cream. Article Source: http://EzineArticles.com/?expert=Eric_Morris http://EzineArticles.com/?Breast-Enhancement-Surgery&id=125413 1500 bad credit loan
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Flexible Spending Accounts- A Great Employee Benefit

By Kathy Swann If you are lucky enough to work for a company that offers Flexible Spending Accounts, be sure to take advantage of this great benefit that will put more money back into your pocket. If you or your dependents have any medical or dental expenses not covered under your health insurance during the year, you can use this benefit to pay for them with pre-tax dollars. Simply figure the amount of out-of-pocket medical expenses you will have for the year, sign up for your companys FSA by the deadline, save your receipts and submit them for reimbursement as you incur them. This will save you on taxes. In order to pay fewer taxes, you have to reduce your taxable income. Participating in an FSA can help you achieve this because its deducted from your paycheck before your taxes are calculated. This reduces your taxable income and therefore reduces the taxes taken from your paycheck. Examples of some medical expenses you can submit: Co-pays for office visits Dental check-ups & fillings (but not cosmetic dental work) Prescriptions Eyeglasses and contact lenses, including cleaning solutions Certain over the counter medicines such as for cough & cold Be sure to save your medical receipts during the year, and submit them regularly instead of waiting until year-end. This puts more money back in your pocket each month. The best advantage for using an FSA is that you can begin to use the balance before it has been deducted from your paycheck. One year I had extensive dental work done on the third of January, submitted the receipt and got my reimbursement before it had even been deducted from my first paycheck of the year! One caveat here- make sure to come up with a realistic dollar amount for your medical expenses when you sign up. With an FSA, you are allowed to submit the total amount you elected before it has been deducted from your paycheck, but you will lose those amounts you dont use. This is a very important point to understand- if you cannot spend your balance by the end of the year, you cannot carry that balance over into the new year and you forfeit that money. Another important tip to know- if you terminate your employment during the year, you can only submit expenses that were performed up to your last date of work. For this reason specifically, I recommend that you schedule your medical visits early in the year so you can begin to reap the benefit. If you were to be laid off during the year and hadnt used up your balance, you wind up losing the money that was left in your account. Find out if your employer offers Flexible Spending Accounts as part of their benefit package, and plan to take advantage of this terrific benefit next year. Ask your HR department for details. Copyright 2006 Kathy Swann Kathy Swann has over 25 years experience in office administration, payroll and Human Resources. Her e-book "How to Win When You Lose Your Job: A Handbook for Those Soon to Be Unemployed was written to help employees understand what benefits are available to them should they lose their job through no fault of their own. Purchase this e-book at http://www.suncatcherpress.com Article Source: http://EzineArticles.com/?expert=Kathy_Swann http://EzineArticles.com/?Flexible-Spending-Accounts--A-Great-Employee-Benefit&id=261082 paycheck income tax estimator
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