Carmon

Charitable donations are needed to support many worthy causes that reach out to the underprivileged, the sick, victims of disaster or hate, and those working in various research projects. There are many opportunities to give and there are many organizations that need financial support to continue to grow and minister to the objects of their ministries and services. But, with so many charitable donation organizations to give to, donors can become confused, not knowing which charity or ministry is in the most need, or what organization will use funding wisely. There are some guidelines to follow when making a charitable donation, making sure that your charitable donations are utilized by organizations that will make the most of the money you give.

When you want to make a charitable donation, but don't know where to turn first, there are some definite steps that can help you eliminate several charities and narrow your charitable donation target group. Before making charitable donations, first determine that the agency you are considering has a 501(c)(3) non-profit status with the Federal Government. This determination not only offers you a tax deduction for your charitable donations, but also ensure that the government is overseeing bookkeeping records and that the charitable organization in question is operating within the boundaries of the law. You can also ask agencies receiving your charitable donations for a breakdown of where funding is spent and for a copy of the agencies' goals and objectives for the future.

Many charitable organizations market to thousands with daily requests presented to donors. Some of the attempts to receive a charitable donation are fraud, however. Not every need that is presented to the public is a true need, and not all money given on behalf of a need gets directly to that need. Make sure that the charity receiving your charitable donation is legal and make sure that your charitable donation will be used for the purpose stated. Often, giving to large well-known charities is safe, knowing that these charities fall under the scrutiny of the public and the government. But, often the large charities have expensive employment and administrative costs, so portions of charitable donations are spent on labor.

The Bible tells us to give to the poor and to help each other when problems arise. Charities in the United States support many causes that could not accomplish great feats without the charitable donations of the giving spirit of Americans. "Give to him that asketh thee, and from him that would borrow of thee turn not thou away." (Matthew 6:42) Often, a worthy cause that speaks to your own experiences or close to your heart is a gift that will be meaningful. Pray and ask for God's guidance and direction when giving.

For more information, visit:
http://www.christianet.com/articles/
http://www.christianet.com/

W-O-R-K is a four-letter word. It can be one that makes you smile. It can be one that makes you proud when you accomplish a goal or earn a great income. It can also make you frown. You can become tired or bored of what you do for a living. You may not be earning what you deserve or you may be looking for greater challenges and opportunities. When you work for someone else you have few options, but when you work for yourself from home, the opportunities are endless.

When you work from home, the opportunities are limitless. Here are 6 reasons why a home-based business may be just what you are looking for:

1. You can say Good-Bye! to cubicles with prying managers and cluttered office space with noisy neighbors. Say Hello! instead to a comfortable space you design yourself - with a chair of your choice, no boss roaming around, and no nosey workers looking over your cubicle walls.

2. An end to forced labor! There are hundreds of ways to earn money from home and you can pick and choose the type of work you like. Earn more money, set your own hours, work split shifts, part-time or full-time - it's your choice based on your needs!

3. More time to do what you want instead of spending hours every week just in drive or travel time to and from the office. And more money saved from travel-related expenses can be used for other things.

4. Improved meals and snacks plus a healthier work and exercise environment are more perks to working at home. No more eating out with coworkers, vending machine snacks or other unhealthy, fattening foodstuffs. Instead you can choose to eat what you want, when you want from your own refrigerator. Jump on your elliptical machine or enjoy a healthy walk around the block during lunch. Take time-outs to stretch your legs for 15-20 minutes every couple hours. Your body will thank you for it!

5. Outsourcing! When you work for yourself from home, you dont need to ask permission to hire help. Outsource work that you prefer not to do, and focus on those tasks you enjoy instead. It's scary at first to give up control, but you'll get used to it and it will be a great time-saver for you. Just do it!

6. Wonderful business opportunities are everywhere! Find a great product to sell and get some training to market and sell it, or outsource some of your business to a professional call center so that 90 percent or more of your work is actually done for you. This combo means more time and money for the things you want do to most.

So you can see, theres no place like home for an opportunity. You get free time, more fun, a healthy environment, improved income, work choices and so much more!

Dawn Orbeck is a former technical professional who now enjoys more time with her family as a home-based entrepreneur.

As a member of the Coastal Vacations Call Center, Dawn has significantly reduced her time prospecting and is able to spend more time supporting and training her team. Most importantly, Dawn and her family have more time together to enjoy vacationing with the discounts available through Coastal Vacations.

Visit Dawn at http://www.CoastalVacations-Blog or call the Coastal Vacations Call Center at 1-800-378-1169 ID# 5802DO for more information.

There are numerous details to monitor in online No Limit Holdem Tournaments. Some of them may be as unique and challenging as the chat you try to decipher coming from your opponents. When playing online though, you do have tools and indicators available which can help you make a solid decision, at least mathematically based on calculable conditions at any given time.

Two of those conditions are often used by professional players at live tournaments and are critical to success online as well. The indicators are M and Q.

M stands for M ratio which is basically a stack comparison between yourself and the size of the current minimum pot. A minimum pot is made up of a combination of blinds and antes which constantly escalate as a tournament progresses. As your stack (or M) gets lower, other players with better Ms will start to steal your blinds and risk losing a pot in order to eliminate you from competition.

Q is a comparison of your stack to other players stacks by determining the average of stack size of all players left in the tournament and affixing a representative comparison value of one to your stack. So if your stack is half the size of the average stack, then you would have a Q of .5. If on the other hand you had 3 times the average stack, your Q would be 3.

You should know both of these numbers at all times in the tournament, and depending on the structure and/or dynamics of play, either the Q or the M may be more important as an indicator at any given time.

M is usually more relevant than Q within normally structured tournament and should always be known as well as its corresponding color zone. Green is for an M of 20 or more, yellow will be from 15 to 20, while orange is from 10 to 15. The lower mzones are red which is from 1 to 5 and the all but out grey mzone which means your M ratio is actually below 1. However, M isnt always the main indicator to consider. You may indeed be more compelled to act a certain way in a tournament based on your Q.

The reason why Q may be more relevant than the M is because of stack parity at a game critical intersect. In other words, if most of the players at your table have similar (low) M ratios that put them in Orange or red Mzones, then the Mzone really dont matter much at all. You need to know what that strength of your hole cards are and use position to take down as many pots preflop as possible.

Knowing the difference between M and Q in poker tournaments can be critical to your success in moving up the money and playing mathematically correct at game critical intersects.

Marty Smith is webmaster and a regular online poker player. He has a FREE Multi-Table Tournament Video Strategy Series on his website at http://www.MZoneReport.com He also has a free poker tournament calculator you can download at http://www.QMCalculator.com

We are in the 21st Centuryand here the life is BusyVery Busy. We dont have time that is what we say to others. Lets see, if we dont have time or if we dont know how to manage our time or our intentions are not right.

We all carry mobile phones (also known as Hand Phones and Cell Phones in other parts of the world)all the time, walking, eating, working, travelingeven also at the time of sleeping, but we dont have time to send a message or give a call to our parents or relatives.

In this era, it is impossible to think about a life without Internet (Earlier having internet at home was status symbolbut now it is a need)we have Internet in officewe have Internet at home, but we dont find even few minutes in a day to write few words for our friends.

We are living in Jet-Agewe can reach anywhereany part of the world, in less than 24 hours. But we dont have time to see our siblingsbrothers or sisterswho are living in same city, probably in the same colony.

We never forget to read newspaper or watch television to keep ourselves updated with the latest newslatest happening in the worldbut we hardly get time to know as what is happening in our colony or in our family.

We have time to go to Movie Theaters, Picnics, Shopping malls but we dont have time to visit our kids in their school or college and enquire about their performancetheir strengths and areas of improvements and if we dont have timethen of course, they will be Arrogant, Egoistic, ill-mannered and will behave in the same manner as I mentioned in my last write-up Learning from experience. (You can read the whole article at: http://ezinearticles.com/?Case-Study:-A-Great-Company-Plus-A-Great-Recruitment-Consultancy-Firm
...And-A-Great-Goof&id=291674 )

In this fast paced worldas we are growing; growing in terms of wealth, recognition, fame, rewards etcbut what we are loosing isthese Human Relations.

Time is moving fastpeople are growing fast. The mantra of life is The more I get the more I want. Gone are the days when people use to say, Saayian Itna Deejeye jaamey kutumb samaye. Mein bhi Bhukha na rahoon, Sadhu na Bhukha Jaaye (Oh God, I dont need anything extra I just need to be enough for to take care of my guests and my family.

I have seen, couples staying in the same house or probably in the same roombut they only meet on weekends. It is only on weekends that they get time to speak to each other.

For years togetherwe dont see our siblings and then when we meet, we say Oh my lovely neiceItni si thi jab dekhi thi. Kitni Badi ho gayi hai (When I last saw youyou were just a kid, now you have grown so much). If you dont get timeyour niece will not stop growing, right?

Friendsthe purpose and emotions involved in this relation have gone for the toss. We only call our friendswhen we are in need. I knowsome of my known friends who call only at the time when they need any jobor any advice or suggestion.

So, where are we actually going? Where are we heading for? Is this what we all want in our life? Are we willing to pay this cost for what we want in our life? We need to look within to find the answer. Are we so poor in managing our time? Or we are so poor in understanding the importance of Human Relations.

No one likesopportunistic relations or Just in need relationspeople want to be in touch. Spending time for these relationsis not wastage of timebut PROPER INVESTMENT OF TIME.

Well, these are my views on Human Relations and their importance. You can have different perceptiondifferent thinking and beliefs. Let me have your comments and feedback on this.

Looking forward to your feedbacks and comments.

Have a great day and stay in touch. Take very good care of yourselfbecause you are differentyou are special.

Regards

Sanjeev Himachali

(Mobile: +91-9876328841)

(E-mail: ss_himachali@yahoo.com; sanjeev.himachali@gmail.com)

(Blog: http://sanjeevhimachali.blogspot.com/)

Online or Internet Fax Services are becoming extremely popular with our ever increasingly mobile workplace and workforce. As we become more mobile, we want the ability to receive and send faxes through our email and the Internet. It's as simple as that!

Receive and send your faxes anywhere, anytime.

Plus, you have no more paper jams, no more bulky fax machines, no more busy signals and no more return trips to the office to pick up that important fax at 10 o'clock at night!

If you need more convincing about the advantages of using or switching to an Internet Fax Service, here's a short list of reasons:

Convenience

There's a great deal of convenience to receiving and sending your faxes through your email. You can access it anywhere and anytime; wherever and whenever you access your computer and the Internet.

Your faxes are right at your fingertips -- just one click away.

You receive a local or toll-free fax number that you can give out to all your contacts. You can also store all your faxes online or on your computer's hard-drive, so you know exactly where your faxes are. You know exactly where to find that important fax when you need it. No more scrambling through files or garbage bends to find your faxes. No more missed faxes because of busy signals, not to mention the decrease in all that foul language as there are no more paper jams.

Mobility

Perhaps, the most important feature or selling point for using an Internet or email fax service is mobility. Since you receive and send faxes through your email system and the Internet you can access them anywhere, anytime.

This is great for mobile professionals, traveling sales people, real estate agents, onsite builders, etc. Our workplaces and workers are becoming very mobile at a very fast rate; just in the last five or ten years we have seen the explosion in the popularity of cell phones, PDAs, Wi-Fi, VoIP, Wireless Broadband, and portable laptop computers. All these new technologies have changed how we do business and how we communicate.

Internet or email fax fits perfectly into this mix and gives us the means to take our work on the road.

Easy To Use

Internet fax is as easy as using your email. How hard can that be? Most, if not all email fax providers have a Web Interface (online site) where you can log onto and do all your faxing chores. Send and receive your faxes. Most fax services also allow you to store your faxes online for easy access.

Most Internet fax services will work with Windows Outlook and Windows Office. Some have free desktop applications that you can download and place on your desktop which allows you to send and receive your faxes.

Finally, most services let you send a fax by just sending an email, i.e. (destination number)@yourfaxservice.com -- It doesn't get any easier than that.

Inexpensive

Internet fax can be very inexpensive, especially if you only have modest faxing needs. If you send or receive just a few faxes each month you can purchase a very inexpensive monthly or yearly plan from many of the major fax providers. Many of these Internet fax services have various plans and fees; finding one that matches your faxing needs can save you a lot of money in the long run.

Really modest fax users can get an Internet fax service for a few dollars a month. One of the major service providers, eFax will even let you have a Free account where you can receive up to 20 faxes a month for free, but be aware that you will have to upgrade to a paid service to send faxes. Another service, Send2Fax Prepaid charges you $0.15 for every fax and a $20 deposit along with a very low $1.95 monthly fee.

For a person starting a home business or office, using an online fax service will save you the extra cost of purchasing a fax machine and an extra phone line. Actually, online faxing may save your company or organization around 85% on up front costs and 34% on monthly costs of traditional fax servers. This is a great plus.

Most online fax services are business-ready, and are completely flexible and scalable to meet all your company's faxing requirements. Fax broadcasting to a large number of recipients can also be more cost-effective with these online services. There's usually special custom pricing for companies.

Compatibility

Lastly, in a world that's constantly changing, having a faxing system that's compatible to all the latest gadgets and gizmos, is more important than it may seem at first glance. As our communication and business tools keep changing with the introduction of new hardware and services, Internet or email fax will work with all of these new inventions: Laptops, PDAs, Cell Phones, Wi-Fi, VoIP, Wireless Broadband, Satellite Internet, come what may...

Choosing an Internet fax service will meet all your present and future personal and business faxing needs. It is the right choice at the right time. Discover the advantages of an email fax service for yourself. Easy to use, affordable, mobile, accessible and compatible.

For more information on Internet Fax Services try this handy online
Guide:Internet Fax Service Guide
Titus Hoskins Copyright 2006. For the latest Marketing Tools visit Internet Marketing Tools
This article may be freely distributed if this resource box stays attached.

Shopping for mortgage lenders is just as important as shopping for the right home. You want a lender who is working for your best interest and goals. There are so many lenders that are available and many different types of loans. So what's best for you?

First you want to figure out your goals, situation, and preference. Are you a first time homeowner? If so, you want to find lenders who offer FHA loans and who are willing to work with you step by step to understand the home buying process. It may better serve you to find a local lender with a physical location to better accommodate your needs by meeting with you in person and discussing any of your questions and explain the application process step by step, as you are filling out the paperwork.

Online lenders often have more competitive rates and could be a better option for borrowers who are familiar or are comfortable with financing their mortgage with a lender that does not have a physical location. Online lenders are great sources for equity loans with low interest rates. Online lenders are usually a little faster because everything is at the touch of key instead of pushing paper through a process.

Mortgage brokers are a great source for connecting borrowers to the right lenders. They can help you find a lender if you have poor credit or other rare circumstances. Mortgage brokers work off of commission and therefore are more likely to make the near impossible possible.

The important thing is to find a lender that offers the type of loan you want such as FHA and VA loans, as well as offer the best interest rate for your situation. But you have to be reasonable. If your credit is not so good, you can't expect the same competitive interest rate as someone with perfect credit. But some lenders are willing to loan money to risky investments and some are not.nSo shop around and see what lenders are out there for you.

Milos Pesic is a mortgage agent and owner of a highly popular and comprehensive Loans and Mortgages informational web site. For more articles and resources on different types of mortgages and loans, mortgage refinancing, mortgage lenders and brokers and much more, visit his site at:

=>http://mortgage.need-to-know.net/

Before you jump into an Internet business, look to yourself first. If you are not putting your time and effort in something you truly enjoy, whats the point? Starting your business and then realizing is not your passion, is the main reason new businesses fail. We start on something just because it sounds good, or we think it has a financial potential, and-boom-your business is dead.

Look at yourself first. By understanding yourself first you can pick a niche that identify with your emotions and your interests. This will definitely bring joy along the way and will guarantee that the work you do, will not seem like work.

-What is your passion?
-What are your hobbies?
-In what industries or jobs have you worked on before?
-What kind of training do you have?
-What have you always wanted to do but never had the time to pursue?

The answers to those questions will give you a niche to chase and target. When I started to get involve in the Internet world, I was eager to find a business line that will provide me with enough income to retire early. That was my main goal. What I was missing in my simple plan was the fact that I was omitting the concept of passion and interest from the equation. Hopefully I realized soon enough that nothing motivated me in a powerful way to make it my new business.

My answers to the questions above clearly guided me to find a way to work with artists. By being an actor myself, I felt compelled to help other artists find freedom to express themselves and financial freedom as well. So, I started a business that people could operate at their own time and without restrictions. I started an affiliate home business.

My niche was arts, my clients were artists, and ever since, the work I do every day doesnt seem like work to me. Helping artists and people in general to find their own enjoyment, makes the journey a pleasant ride. And when the ride is pleasant, the financial burdens will die.

Alfonso DiLuca is a professional actor with an International Film, TV, and Stage career. His entrepreneur ideas have helped actors, artists, and people in general achieve their freedom and financial success.

To find the best home based business ideas and opportunities so you can work from home visit: http://www.SimpleGlobalCash.com

Putting together your own preschool curriculum can be accomplished in a variety of ways. In the broad sense there is the option of purchasing a homeschool preschool program from one of the many preschool curriculum providers.

Take on the approach of an everyday life experience with your preschooler. This is accomplished in a much less structured avenue. Lots of reading to your preschooler and exploring life and their world together emphasizing what they enjoy doing while they are learning. If youre a bit stuck in the middle with what you prefer being a bit more on the structured side of a packaged preschool curriculum but your budget is definitely more in line with the latter, then why not design your own preschool curriculum!

Start with a rough outline of what your learning goals are for your preschooler. There are websites available with criteria that will help you with evaluating your childs strengths and weaknesses. Just do a bit of searching on early childhood educational development evaluation criteria and youll find checklists that you can use.

After you have determined your learning objectives for your preschooler it is now time to search the web for some ideas for the upcoming school year. At this young age a great tool to use for your topics and focus is right on the calendar! Use the various seasons and holidays to develop broad theme type of learning material. At this age the learning is much more fun for the child and easy for you if you keep the overall environment colorful and relevant to what is going on in their life.

Outside the calendar or even in conjunction with it, plan on and set up a few topical field trips around your community. Learning by experiencing life at the preschool age is extremely important and it is a great way to keep your preschoolers attention.

As you work with your calendar and do a little brainstorming as you check out each month and the topical days or seasons they have to offer, begin making a rough draft or list(s) of all the materials that will need to support your preschool educational goals that you have established. You can refine the list later.

As you begin to stockpile your material that has come from your lists, dont forget to use any and all of the items that you can around the house. Save boxes, plastic jars, lids, cans, anything colorful that you think you might use. Dont limit your imagination. There are ideas galore out on the web! Use it. Have fun and enjoy the journey.

Mary Joyce is a former educator, successful homeschool parent, and the primary contributor to the Homeschool-Curriculum-4u website. Please visit (http://www.homeschool-curriculum-4u.com) for a complete list of Mary's articles, resources on homeschool, ideas, and curriculum information. Also tips guides and how-to's to help you successfully teach your child at home.

For todays 34 to 38 million adults in the US who didnt graduate from high school, the GED credential is the best available diploma to demonstrate skills and proficiency levels that are necessary to progress in education or career.

Developed in 1942, the first GED Tests were designed to help military veterans finish their basic education. Military service members are still eligible for the General Education Development test. However, the GED credential is awarded to others who can pass the full test series that measures academic knowledge and proficiency in science, social studies, math, reading and writing.

Whos eligible to take the GED test?

• You arent currently enrolled in high school;
• You havent graduated from high school;
• You are at least 16 years old or older; and
• You meet state, provincial, or territorial requirements regarding age, residency, and the length of time since leaving school.

• Some candidates elect to take the test when they have a high school diploma from an unaccredited high school or theyve been home-schooled.
• Candidates who graduated from a non-US high school are eligible to take the GED test if they meet all other state and federal requirements.
• US citizenship is not a requirement to take the GED test.

No, the GED is not available online. The GED is administered by the American Council of Education, which oversees and monitors GED testing regulations and the tests. Official GED tests are ONLY given at designated test centers throughout the U.S., U.S. Territories and Canada. To locate official testing centers, visit http://www.passged.com/test_state.php.

What makes a GED credential equivalent to a high school diploma?

The GED test is a rigorous 7.5-hour exam, equal to or exceeding high school proficiency. Tests are standardized and normed using a national random sample of graduating high school seniors. To pass the GED tests, a candidate must demonstrate a level of skill that meets or exceeds that demonstrated by 60% of graduating high school seniors. This means that 40% of graduating high school seniors wouldnt pass the GED tests.

Approximately 97 percent of colleges and universities in the U.S., and 95 percent of employers accept the GED credential.

More GED Resources:

- Free resources and information on GED testing, official testing sites, financial aid and student support are available at http://www.passGED.com/. The website also provides links to federal agencies and nonprofits that serve GED students, instructors and workforce development programs.

- The American Council on Education and most local libraries and community colleges will also have additional resources designed specifically for GED students and adult learners.

About the Author: Leonard Williams, an e-learning instructor with http://www.passGED.com, is also a curriculum specialist who focuses on research and development, implementation and assessment of best-practice learning solutions for adult learners and people with educational challenges. Leonards email is LeonardWilliams@passGED.com. He invites feedback and questions from GED students and instructors.

With a body of a man, but a face of a boy, its not hard to believe how this 19 year old actor has made women fall to their feet with a little glimpse of his smile. Zac Efron was born in San Luis Obispo, California on October 18, 1987 and lived a fairly normal life, until he began taking acting lessons at age 11. From then on Zac Efrons life would never be the same. Quickly he became immersed in theater with his first acting job in Gypsy. He became hooked and after a few more theater roles he made it to the small screen with parts on ER, and The Guardian. He even guest starred in the short lived Summerland which was what really brought him into the spotlight of the teen girls hearts.

Zac Efron had definitely caught the acting bug by this point and was destined to become a star. He was cast in the movie that eventually put him into the big time. High School Musical, a teen movie musical shown on the Disney Channel, became incredibly popular among the teen scene, and with it, so did Zac Efron. As Troy Bolton in the movie, he sure made his mark in the Hollywood crowd as well. Teen girls loved him, and the paparazzi have even called him the Tom Hanks of teenage Hollywood. Zac Efron is considered one of the nicest teen actors in the business right now.

Shortly after High School Musical showed its staying power, he was cast with John Travolta in Hairspray which is out now. He made it to the big screen, and even he says that he isnt ready to leave anytime in the near future. He is also featured in the series of high school musical 2 ringtones. Zac Efron, with his good looks, and his boyish charm, is certainly going to be an actor you will hear a lot more about in the future.

Jeff Sims is an entertainment and gossip blogger. He runs a site about High School Musical where you can download high school musical 2 ringtones.