<html xmlns="http://www.w3.org/1999/xhtml" dir="ltr" lang="en-US"><head profile="http://gmpg.org/xfn/11"><meta http-equiv="X-UA-Compatible" content="IE=8" /><meta http-equiv="Content-Type" content="text/html; charset=UTF-8" /> <title> Ethical Consumerism</title> <link rel="stylesheet" href="http://addszmj.info/wp-content/themes/tmp/style.css" type="text/css" media="all" /><!--[if IE 6]><link rel="stylesheet" href="http://addszmj.info/wp-content/themes/tmp/ie6.css" type="text/css" /><![endif]--> <meta name="robots" content="index,follow" /><link rel="pingback" href="http://addszmj.info/xmlrpc.php" /><link rel="shortcut icon" href="http://addszmj.info/wp-content/themes/tmp/favicon.ico" type="image/x-icon" /> <link rel="EditURI" type="application/rsd+xml" title="RSD" href="http://addszmj.info/xmlrpc.php?rsd" /><link rel="wlwmanifest" type="application/wlwmanifest+xml" href="http://addszmj.info/wp-includes/wlwmanifest.xml" /> <link rel='index' title='Ethical Consumerism' href='http://addszmj.info/' /><meta name="generator" content="WordPress 3.1.3" /></head><body id="home"> <div id="header" class="clearfix"> <div id="branding"> <h1 id="logo"><a href="http://addszmj.info/" title="Ethical Consumerism">Ethical Consumerism</a></h1> <div class="description"> </div> </div> <div id="nav" class="clearfix"> <div id="nav-search"> <form role="search" method="get" id="searchform" action="http://addszmj.info/" > <div><label class="screen-reader-text" for="s">Search for:</label> <input type="text" value="" name="s" id="s" /> <input type="submit" id="searchsubmit" value="Search" /> </div> </form> </div> <ul id="menu"> <li class="page-item-home current_page_item "><a href="http://addszmj.info/">Home</a></li> <li class="page_item page-item-5"><a href="http://addszmj.info/about/" title="About">About</a></li><li class="page_item page-item-7"><a href="http://addszmj.info/blog/" title="Blog">Blog</a></li><li class="page_item page-item-9"><a href="http://addszmj.info/contact/" title="Contact">Contact</a></li><li class="page_item page-item-11"><a href="http://addszmj.info/faq/" title="faq">faq</a></li><li class="page_item page-item-88"><a href="http://addszmj.info/game/" title="Game">Game</a></li> </ul> <div id="submenu-bg"> </div> </div> </div> <div id="main" class="clearfix"> <div id="container"> <div id="content"> <div class="post-65 post type-post status-publish format-standard hentry category-videos tag-aarthi-short-videos tag-comedy-videos tag-fail-videos tag-family-video tag-family-videos tag-full-video tag-funny-animal-videos tag-funny-fail-video tag-funny-fails-videos tag-funny-video tag-funny-videos tag-funny-videos-2022 tag-funny-videos-2023 tag-kids-video tag-music-video-shoot tag-race-video tag-racing-video tag-sad-video tag-shorts-story-videos tag-shorts-video tag-shorts-videos tag-story-video tag-travel-videos tag-videos-de-comida tag-videos-de-horror tag-videos-de-miedo tag-videos-interesantes tag-videos-paranormales" id="post-65"><h1><a href="http://addszmj.info/corporate-video-production-advantages/" rel="bookmark" title="Permanent Link to Corporate Video Production Advantages">Corporate Video Production Advantages</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <div id="article-content"><p>Using high-quality video production can prove to be advantageous to a corporation. To do this, you will need to hire a professional and experienced video production company. There are several reasons that a company will need some sort of video production. These types of video include training videos, service promotion, product promotion and also informational videos that are intended for a certain audience. The target audience is usually employees, the newly hired and other businesses.</p><p>The more specific videos are staff safety, training, promotional and financial results. Most everyone that has viewed one of these videos agree that they can get really boring and thus not be effective. If you want to ensure that you have a creative and professional video, you must hire a professional video production company. They will have the knowledge and the tools available to provide you with an effective video. A corporation benefits from quality videos versus one that has no video production at all.</p><p>There are various advantages to having corporate videos. They are an exceptionally valuable training device. You can even train employees that live across the country. It is easy for a company to upload a video for specific audiences; this includes providing employees with a log-in or password. They can also be used to deliver important safety training or offer further education in the company. By making these videos available to your employees is important because in the end, you will save time and money. This is because a corporation won’t have to fly out its company’s leader to various places just to be able to provide a training seminar or hold an informative meeting. This can dramatically reduce a company’s bottom line as well as being able to access their employees.</p><p>Another advantage to hiring a professional <a target="_new" rel="nofollow" href="http://www.killerproductions.net">video production company</a> is the fact that you can also use it to expand your business online. When someone is searching online for information related to your field, you can draw attention by using your corporate video. Studies have shown that using a web video on your website will get a visitor to spend ten more minutes on your page versus a page that did not contain a video. Also you have a better rate of conversion. Conversion occurs when a visitor to your site decides that they are going to purchase the product or service that you are offering them.</p><p>These sort of videos are affordable and can be optimized for search engine purposes. This is a collection of key terms that are related to your video in order for it to properly show up when someone is searching for a specific topic. These videos can help a company sell a product in a creative and informative manner so that you can pique your audience’s interest. Videos are an opportunity to market across the internet and around the world but also stays within a reasonable price range.</p><p>Videos are essential to any successful corporation by providing training and information to employees and also to market a company on the internet. These videos need to be produced by an experienced and professional production company in order to have the maximum effect.</p></p></div><div class="mads-block"></div> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://addszmj.info/tag/aarthi-short-videos/" rel="tag">aarthi short videos</a> <a href="http://addszmj.info/tag/comedy-videos/" rel="tag">comedy videos</a> <a href="http://addszmj.info/tag/fail-videos/" rel="tag">fail videos</a> <a href="http://addszmj.info/tag/family-video/" rel="tag">family video</a> <a href="http://addszmj.info/tag/family-videos/" rel="tag">family videos</a> <a href="http://addszmj.info/tag/full-video/" rel="tag">full video</a> <a href="http://addszmj.info/tag/funny-animal-videos/" rel="tag">funny animal videos</a> <a href="http://addszmj.info/tag/funny-fail-video/" rel="tag">funny fail video</a> <a href="http://addszmj.info/tag/funny-fails-videos/" rel="tag">funny fails videos</a> <a href="http://addszmj.info/tag/funny-video/" rel="tag">funny video</a> <a href="http://addszmj.info/tag/funny-videos/" rel="tag">funny videos</a> <a href="http://addszmj.info/tag/funny-videos-2022/" rel="tag">funny videos 2022</a> <a href="http://addszmj.info/tag/funny-videos-2023/" rel="tag">funny videos 2023</a> <a href="http://addszmj.info/tag/kids-video/" rel="tag">kids video</a> <a href="http://addszmj.info/tag/music-video-shoot/" rel="tag">music video shoot</a> <a href="http://addszmj.info/tag/race-video/" rel="tag">race video</a> <a href="http://addszmj.info/tag/racing-video/" rel="tag">racing video</a> <a href="http://addszmj.info/tag/sad-video/" rel="tag">sad video</a> <a href="http://addszmj.info/tag/shorts-story-videos/" rel="tag">shorts story videos</a> <a href="http://addszmj.info/tag/shorts-video/" rel="tag">shorts video</a> <a href="http://addszmj.info/tag/shorts-videos/" rel="tag">shorts videos</a> <a href="http://addszmj.info/tag/story-video/" rel="tag">story video</a> <a href="http://addszmj.info/tag/travel-videos/" rel="tag">travel videos</a> <a href="http://addszmj.info/tag/videos-de-comida/" rel="tag">videos de comida</a> <a href="http://addszmj.info/tag/videos-de-horror/" rel="tag">videos de horror</a> <a href="http://addszmj.info/tag/videos-de-miedo/" rel="tag">videos de miedo</a> <a href="http://addszmj.info/tag/videos-interesantes/" rel="tag">videos interesantes</a> <a href="http://addszmj.info/tag/videos-paranormales/" rel="tag">videos paranormales</a></p> </div> <!-- --> </div> <div class="post-63 post type-post status-publish format-standard hentry category-employment-work tag-employment-work" id="post-63"><h1><a href="http://addszmj.info/how-to-identify-an-unethical-employer/" rel="bookmark" title="Permanent Link to How To Identify An Unethical Employer">How To Identify An Unethical Employer</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> It is very difficult for a job applicant to judge a prospective employer for adhering to ethical standards and providing a positive working environment. Especially, since, an interview, most questions are being asked by the future employer.This article lists the two extremes types, at opposite ends of the psychological scale, with most superiors and bosses placed somewhere between. Like in most facets of life, nobody is entirely bad or good – most are somewhere between.THE BENEVOLENT EMPLOYER.There is a group of bosses who resume a fatherly and benevolent position towards those who work for them. Work is fairly distributed and the boss himself does not mind pitching-in and helping out. The tempo of work is guided by his own good example, as is quality, and the general prevalent mood in the workplace.Should there be a sudden over-demand or a surge of workload, this employer will recognise this and take steps that nobody overworks and that the workload is evenly and fairly distributed with the boss himself sharing an extra duty. His temper is very even, with a reassuring calmness that uplifts everybody working around him. He has no sanctuary that is off-limits to employees and his own office or workplace would not be distinguishable from that of his co-workers.He is genuinely concerned for his staff and workers and, should some body be ill, the pay cheque gets delivered home punctually and regardless of the length of illness. In one case I know of personally, an employee had a heart-bypass operation with a lengthy stay in hospital and the boss himself called on the wife regularly with the pay and enquired whether she would need anything else done around her house.For the duration of this employee’s sick-leave, this boss worked on the shop floor in person, mingling with the other employees and being practically indistinguishable in work and manners from anybody else.All this is done with the before-mentioned even temper and an air of teamwork. When this employee finally returned from his long sick leave, he resumed his position with ease, whilst the boss returned into his office to resume his task of running his business. Little weaknesses and transgressions are overlooked or, at it’s worst, the person is reprimanded a day later in a fatherly fashion.They do not seem to have the misfortune of employing a bad worker as they either instinctively select the right person or simply lead with positivism and good example. There is a noticeable absence of fear or working-anxiety as each employee knows that he or she is a member of a smooth-running team!THE IMTIMIDATORThis type of person is basing the smooth-running of his business on fear. His demeanour is reserved to the point of haughtiness, his appearance is impeccable, his voice is artificially low andstentoric. He has an on-stage personality, geared to impress. His common phrases are peppered with ‘however’, ‘furthermore’, ‘if you only knew what we know!’ ‘I thought of that!’ is the common reply to a valuable suggestions put forward by a willing employee. Reports by an employees are interrupted with: ‘I know exactly what you want to say!’ or a ‘We know all about that!’ are uttered with a reprimanding stare.When real problems arise, he would give the harbinger of bad news a penetrating look and bark: ‘I thought that has been taken care of!’ When in a difficult situation, he has the habit of staring straight ahead, at a spot on the opposite wall as if in deep concentration and utters words like: ‘that is not on!’ ‘No, we don’t do that!’ instilling fear and intimidation in his workers.Without the presence of the fear factor, he believes, an organisation has no incentive to work efficiently and to achieve things for him. He feels, he must constantly instil this anxiety by destabilising people around him!For example, when conversing with people who speak fast and have a quick mind, he slows down in his speech to the point of unnerving the other person. This is done with the help of slowly uttered phrases like: ‘What I said was…’ when, in fact, he had said nothing before on this particular subject. Therefore, this sentence is invariable followed-up by the biggest lie possible, putting the other person hopelessly in a depressed mood and increasing his fear of working for him.Alternatively, with people who are taciturn in their speaking manner, he rattles-off his question fast and furiously. By the time this good worker answered one question, he has already asked him two more, throwing that person out of his concentration and ending with stammering and stutter. Upon which this employer leaves with an attitude of total satisfaction of having fear and the feeling of inadequacy re-enforced in a worker.Should such an employer meet with an employee who is not afraid of him or at least an honest worker with a clean conscience, this is unacceptable to him. A situation will then have to be created where this decent worker becomes afraid of something……In one case, such a worker received the constant warning: ‘If you make us the slightest trouble……’ Often this tactic is then perpetuated by the top boss’ immediate underlings who then continue to talk to this person in a manner of ‘If you think you can get away with……’ There are other repercussions for honest persons. When it is found out that an employee, for example, studies evenings, he is then considered an open threat. ‘You are wasting your time….’ He is then told often.Alternatively, high achievements are being downgraded with disparaging remarks till such a person feels totally inadequate despite his achievements whilst the instilled fear keeps him in excellent performance. We have now dealt with two diametrically opposite type of employers and in subsequent articles more and different bosses and their operations will be illuminated.By researching the company we are trying to join, a lot of shortcomings are being identified and frustration, hardship and overwork can be avoided.Peter Frederick </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://addszmj.info/tag/employment-work/" rel="tag">Employment Work</a></p> </div> <!-- --> </div> <div class="post-60 post type-post status-publish format-standard hentry category-health-and-fitness tag-acne tag-anti-aging tag-beauty tag-cosmetic-surgery tag-diabetes tag-drug-abuse tag-health-and-fitness tag-massage tag-meditation tag-nutrition tag-personal-training tag-popular-diets tag-skin-care tag-spa-and-wellness tag-speech-pathology tag-weight-loss tag-yoga" id="post-60"><h1><a href="http://addszmj.info/five-greatest-myths-about-food-health-and-fitness-busted/" rel="bookmark" title="Permanent Link to Five Greatest Myths About Food, Health And Fitness Busted">Five Greatest Myths About Food, Health And Fitness Busted</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> There have been countless suggestions and theories regarding health and fitness over the centuries. In fact health and fitness is the only topic where so many contradictions exist at the same time. Every few years, a new diet system or exercise regime is introduced to the world and it quickly becomes the fad only to be thwarted by experts after sometime. But during their short-lived glory these fitness fads give birth to lots of false beliefs and information. This article will try to clear up some of the confusions and myths so that people around the globe can develop healthy eating and living habits and stop repeating ineffective or dangerous fitness routines.1) Packaged Fruit Juices Are Good For HealthWhen bottled or packaged fruit juices were first introduced to the commercial market, people immediately became big fans of these beverages. Eating fruit is a healthy habit but people become impatient very quickly when they have to buy, wash, peel and juice each fruit before getting the nutrients inside their body. The bottled juice was the perfect solution for them. Now-a-days, people believe that gulping down a bottle of Real Grape juice is the quickest and best way to make up for their otherwise unhealthy lifestyles. Unfortunately, this is not entirely true. Yes, there is no harm in drinking these juices but there are hardly any benefits either.The manufacturers extract a large volume of juice from the fruits and store them in tanks. This stored juice is then packed and sold throughout the year. This is the reason you can easily find orange juice during summer and Pineapple juice during fall. All the Oxygen from the stored juice is taken out to keep it fresh for months. But as the Oxygen is sucked out, almost all nutrients, vitamins and minerals of the juice are lost as well. So next time you feel like grabbing a bottle of juice, buy some fresh fruits instead. That will give you a lot more benefits at a fraction of the cost.2) Crash Diet Is Great For Losing Weight QuicklyNo matter how much the fitness experts try to preach otherwise, there are still a lot of people who believe that the best way to shed off extra pounds is to go on random diets. Yes these crash diets can help in shorter term but cause much more damage to the digestive system and the body in the longer run. When people eat very less for a month or two, they lose some weight pretty quickly but their body becomes increasingly weak from the lack of electrolytes, vitamins and other nutrients. A month or so in the crash diet, most people often feel tired, dizzy and weak.A greater danger of crash diet is weight gain instead of weight loss. Our body has several defense mechanisms that trigger under different circumstances. When you are eating very less each day, your body can mistake it for famine. It then stores almost all the calorie from the ingested food and spends very less for daily activities. Once this cycle sets in, you will be gaining weight instead of losing. A well planned diet with lots of vegetables and fruits is still the best way to lose fat.3) Certain Fruits Can Give You A Cold If Ingested At NightSome people believe that certain fruits are cold in nature and they can give a person cold or flu if eaten during night. Banana, Sweet Lime, Pineapple and Apple are considered the main culprits behind this phenomena. This theory, however, is absolutely wrong. Cold and flu are caused by viruses and the viruses can spread from anywhere. Coldness of these fruits have nothing do with you catching cold. So next time you feel like grabbing an apple after dinner, do so happily.4) Gluten Free Foods Give More EnergyYes, they do. But only to the people who are Gluten intolerant or suffering from Celiac disease. These people can feel fatigued, tired and sick after eating food that contains Gluten. Once they start ingesting Gluten free food, they feel more energetic and vivacious in all aspects of life. The best example of this phenomenon is tennis star Novac Djokovic. After he started his Gluten free diet, his game improved manifolds and today he is one of the top four tennis players of the world.But for regular people, Gluten free food offers no incentives at all. They might feel more energy after eating Gluten free food but the reason for that is more mental than physical. Also these special diets cost much more than regular food. So before you go munch on Gluten free food, get yourself checked for Gluten intolerance. If you are not Gluten intolerant, stick to your regular diet.5) You Can Eat As Much As You Want As Long As You Exercise RegularlyThis is true to a very small extent. If you are eating a cheese sandwich and expecting your workouts will cancel out the extra calories, it probably would. But if you are ingesting too much carbohydrate and fat, then your exercise routine may not be enough to shed off the calories unless you exercise like professional athletes. Getting calorie inside the body is much easier than driving it off. So do not set any wrong expectations.I sincerely hope that these tips will help bust some long-lasting myths about food and diets. There are tons more that can be written on this topic but that is for another article. </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://addszmj.info/tag/acne/" rel="tag">Acne</a> <a href="http://addszmj.info/tag/anti-aging/" rel="tag">Anti Aging</a> <a href="http://addszmj.info/tag/beauty/" rel="tag">Beauty</a> <a href="http://addszmj.info/tag/cosmetic-surgery/" rel="tag">Cosmetic Surgery</a> <a href="http://addszmj.info/tag/diabetes/" rel="tag">Diabetes</a> <a href="http://addszmj.info/tag/drug-abuse/" rel="tag">Drug Abuse</a> <a href="http://addszmj.info/tag/health-and-fitness/" rel="tag">Health and Fitness</a> <a href="http://addszmj.info/tag/massage/" rel="tag">Massage</a> <a href="http://addszmj.info/tag/meditation/" rel="tag">Meditation</a> <a href="http://addszmj.info/tag/nutrition/" rel="tag">Nutrition</a> <a href="http://addszmj.info/tag/personal-training/" rel="tag">Personal Training</a> <a href="http://addszmj.info/tag/popular-diets/" rel="tag">Popular Diets</a> <a href="http://addszmj.info/tag/skin-care/" rel="tag">Skin Care</a> <a href="http://addszmj.info/tag/spa-and-wellness/" rel="tag">Spa and Wellness</a> <a href="http://addszmj.info/tag/speech-pathology/" rel="tag">Speech Pathology</a> <a href="http://addszmj.info/tag/weight-loss/" rel="tag">Weight Loss</a> <a href="http://addszmj.info/tag/yoga/" rel="tag">Yoga</a></p> </div> <!-- --> </div> <div class="post-56 post type-post status-publish format-standard hentry category-uncategorized tag-ai-photography tag-digital-photography tag-ed-sheeran-photograph tag-film-photography tag-landscape-photography tag-landscape-photography-tips tag-landscape-photography-tutorial tag-learn-photography tag-lyrics-photograph tag-outdoor-photography tag-photograph tag-photograph-lyrics tag-photography tag-photography-for-beginners tag-photography-ideas tag-photography-lessons tag-photography-tips tag-photography-tutorial tag-street-photography tag-street-photography-basics tag-street-photography-tips tag-travel-photography" id="post-56"><h1><a href="http://addszmj.info/successful-digital-photography-slr-tips/" rel="bookmark" title="Permanent Link to Successful Digital Photography SLR Tips">Successful Digital Photography SLR Tips</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> If you are interested in digital photography and want top quality photographs you could do worse than look at purchasing a single lens reflex (SLR) camera. Successful digital photography with SLR cameras is achievable even by those relatively new to the medium. Firstly you should understand how this type of camera operates and how you can influence the outcome by choosing the exposure rather than using the auto function. It may take a little more work at first but the images that a digital single lens reflex (DSLR) can produce far outweigh those produced by a point and shoot compact digital camera.A DSLR has a mirror that directs the light entering the lens up onto a prism for you to view the image. Once you press the shutter release the mirror pivots up out of the way just as the exposure is made. This is the same movement used in a traditional film SLR. To aide viewing the image the aperture remains at its maximum, for example f2.8 this allows the maximum amount of light to enter the lens. However, when you press the shutter the aperture will stop down to the required calibration (pre-adjusted) so that the combination of the aperture and the amount of time the shutter is open (speed) is combined to make the exposure. You have control over how the image will be recorded. for example, a larger aperture in combination with the required speed may throw the background out of focus and make the main subject of the shot more prominent.The different camera manufacturers provide a wide variety of interchangeable lenses from which to choose. However, it is not usually possible to use a lens from one manufacturer on a different camera. There are lens manufacturers that do produce different fittings for various cameras. A dedicated lens from a specific manufacturer such as Canon or Nikon will usually be more expensive than a lens from this type of manufacture but the quality is often comparable today.With an SLR you are easily able to view the scene in front of you as is. This means that if you place a filter over the front of the lens you will be able to view how this alters the image, you will also be able to see if you have left the lens cap on!There are some disadvantages to using a single lens reflex camera, notably the weight. The prism and the optics do add to the overall weight of the camera and you may need to have a strong camera bag and even a tripod to use it if you are using a long telephoto lens. These cameras can also be noisy when the prism lifts up out of the way when you are taking your shot.For successful digital photography with an SLR you need to get to know your camera as well as possible so that you can easily use all the options available rather than have to keep looking at the instruction book. If you put some little time into doing this the results you achieve will far outweigh your best shots taken with a digital compact camera. </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://addszmj.info/tag/ai-photography/" rel="tag">ai photography</a> <a href="http://addszmj.info/tag/digital-photography/" rel="tag">digital photography</a> <a href="http://addszmj.info/tag/ed-sheeran-photograph/" rel="tag">ed sheeran photograph</a> <a href="http://addszmj.info/tag/film-photography/" rel="tag">film photography</a> <a href="http://addszmj.info/tag/landscape-photography/" rel="tag">landscape photography</a> <a href="http://addszmj.info/tag/landscape-photography-tips/" rel="tag">landscape photography tips</a> <a href="http://addszmj.info/tag/landscape-photography-tutorial/" rel="tag">landscape photography tutorial</a> <a href="http://addszmj.info/tag/learn-photography/" rel="tag">learn photography</a> <a href="http://addszmj.info/tag/lyrics-photograph/" rel="tag">lyrics photograph</a> <a href="http://addszmj.info/tag/outdoor-photography/" rel="tag">outdoor photography</a> <a href="http://addszmj.info/tag/photograph/" rel="tag">photograph</a> <a href="http://addszmj.info/tag/photograph-lyrics/" rel="tag">photograph lyrics</a> <a href="http://addszmj.info/tag/photography/" rel="tag">photography</a> <a href="http://addszmj.info/tag/photography-for-beginners/" rel="tag">photography for beginners</a> <a href="http://addszmj.info/tag/photography-ideas/" rel="tag">photography ideas</a> <a href="http://addszmj.info/tag/photography-lessons/" rel="tag">photography lessons</a> <a href="http://addszmj.info/tag/photography-tips/" rel="tag">photography tips</a> <a href="http://addszmj.info/tag/photography-tutorial/" rel="tag">photography tutorial</a> <a href="http://addszmj.info/tag/street-photography/" rel="tag">street photography</a> <a href="http://addszmj.info/tag/street-photography-basics/" rel="tag">street photography basics</a> <a href="http://addszmj.info/tag/street-photography-tips/" rel="tag">street photography tips</a> <a href="http://addszmj.info/tag/travel-photography/" rel="tag">travel photography</a></p> </div> <!-- --> </div> <div class="post-54 post type-post status-publish format-standard hentry category-insurance tag-auto-insurance tag-car-insurance tag-car-insurance-quotes tag-cheap-car-insurance tag-delta-dental-insurance tag-dental-insurance tag-farmer-insurance tag-health-insurance tag-home-insurance tag-homeowners-insurance tag-insurance-2 tag-insurance-companies tag-life-insurance tag-medi-care tag-metlife-dental tag-quotes tag-renters-insurance tag-travel-insurance" id="post-54"><h1><a href="http://addszmj.info/when-it-comes-to-life-insurance-less-is-more/" rel="bookmark" title="Permanent Link to When It Comes To Life Insurance, Less Is More">When It Comes To Life Insurance, Less Is More</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Let’s face it, not everyone needs life insurance. Determining whether you really need it is the first step towards making the right decisions regarding the types and amounts of coverage to choose. And, to be blunt, life insurance is really meant for your family and loved ones, or anyone else who relies on your income. That being said, the type of insurance that you need the most just happens to be the least expensive.Reasons You Buy Life InsuranceLife insurance was originally created so that, if you die, your loved ones could continue to live the same kind of lifestyle that they currently have. That being said, life insurance is simply a means of replacing your income if you die. Period. That is all it is really meant to do. If you don’t have anyone who depends on you to provide for them, or you don’t have earnings, you don’t have nearly the same need for protection as someone who is working and might be supporting a young family for example. The need may still be there due to other financial obligations, but again, it is not necessarily so great.Two Flavors To Choose FromOnce you have decided that you need coverage, you have to select the type that best suits your needs. Life insurance comes in two basic forms: term and permanent (also called “whole life”). The overwhelming majority of cases that I write consist of term coverage as it is the type of protection that fits most people’s needs.Keep It Super SimpleTerm life insurance is insurance against the risk of your dying during the term of the policy. As a policy holder, you pay your premiums regualrly and if you die during the time frame, or “term”, that your insurance is in force, your beneficiaries will receive a payout equal to the face amount of insurance you bought. The ‘term’ is the length of time the policy is guaranteed to remain in force at the premium you have been approved for. Policies are typically issued for 10, 20, or 30 year terms. At the end of the guaranteed term period you can renew your policy, let it lapse, or buy another policy. The major benefit of term insurance is that it’s very inexpensive in most cases and is very simple to understand.Permanent, or cash-value insuranceThe other choice is cash-value insurance. People are initially attracted to cash-value insurance because it can allow them to save a small amount of their premium and can ultimately be “paid up,” which means the insurance will have enough cash value that the policy will remain in force without further premium payments. The theory behind this type is that, if you pay for life insurance for 20, 30, or 40 years, you might as well get some of your money back.Sounds good, right? The problem is that cash-value insurance usually isn’t a very good investment, even if you hold the policy for many years due to the higher fees associated with it and the relatively low rates of return you will earn. It’s and even worse option if you only keep the policy for a few years and have to drop it due to job loss or some other financial hardship. These policies build value very slowly and it takes years to amount to much.While permanent policies do have their place in financial planning on rare occasions, they do not suit the needs of most people. If your financial planner is recommending you to take this type of coverage I suggest that your financial planner not be the same person from whom you are buying the insurance.The Bottom LineThe bottom line is that you need to simplify your financial plan as much as possible, and cash-value insurance is complex and is not properly suited for the needs of the vast majority of people. Instead, opt for an affordable term life insurance policy and use the money that you would’ve otherwise spent on he high premiums of a cash-value policy to invest in an option that’s tax favored. Investment accounts such as your employer’s 401(k), or an IRA are good options to consider.Hopefully you consider my advice when it comes to shopping for your life insurance, and you will consider a term life policy. Be sure to verify with your agent that the policy cannot be canceled as long as you are current on your premiums. Also, only choose policy that is guaranteed renewable. You have no way of knowing what your health will be like at the end of your term and it is comforting to know that you can keep the policy should you need to, without having to under go a medical exam. </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://addszmj.info/tag/auto-insurance/" rel="tag">auto insurance</a> <a href="http://addszmj.info/tag/car-insurance/" rel="tag">car insurance</a> <a href="http://addszmj.info/tag/car-insurance-quotes/" rel="tag">car insurance quotes</a> <a href="http://addszmj.info/tag/cheap-car-insurance/" rel="tag">cheap car insurance</a> <a href="http://addszmj.info/tag/delta-dental-insurance/" rel="tag">delta dental insurance</a> <a href="http://addszmj.info/tag/dental-insurance/" rel="tag">dental insurance</a> <a href="http://addszmj.info/tag/farmer-insurance/" rel="tag">farmer insurance</a> <a href="http://addszmj.info/tag/health-insurance/" rel="tag">health insurance</a> <a href="http://addszmj.info/tag/home-insurance/" rel="tag">home insurance</a> <a href="http://addszmj.info/tag/homeowners-insurance/" rel="tag">homeowners insurance</a> <a href="http://addszmj.info/tag/insurance-2/" rel="tag">insurance</a> <a href="http://addszmj.info/tag/insurance-companies/" rel="tag">insurance companies</a> <a href="http://addszmj.info/tag/life-insurance/" rel="tag">life insurance</a> <a href="http://addszmj.info/tag/medi-care/" rel="tag">medi care</a> <a href="http://addszmj.info/tag/metlife-dental/" rel="tag">metlife dental</a> <a href="http://addszmj.info/tag/quotes/" rel="tag">quotes</a> <a href="http://addszmj.info/tag/renters-insurance/" rel="tag">renters insurance</a> <a href="http://addszmj.info/tag/travel-insurance/" rel="tag">travel insurance</a></p> </div> <!-- --> </div> <div class="post-49 post type-post status-publish format-standard hentry category-education tag-astronomy tag-biology tag-college-university tag-education tag-future-concepts tag-home-schooling tag-languages tag-nature tag-online-education tag-psychology tag-reference-and-education tag-schools tag-teaching" id="post-49"><h1><a href="http://addszmj.info/continuing-education-for-nurses/" rel="bookmark" title="Permanent Link to Continuing Education for Nurses">Continuing Education for Nurses</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> The following article relates not only to nurses but also to those aspiring to enter the noble profession of nursing. We hope you will get some insight into this field.Although we have used the female reference for nurses throughout this article (“she”, “her”), this is done purely for convenience and in no way reflects the gender status of nurses in today’s society.Most people assume that once a nurse has completed her education and has become registered, that is the “end” and that no more learning or education is required. This couldn’t be further from the truth. There’s more to nursing then just tending and looking after patients.It is highly critical that a nurse maintain and continue her ongoing education and is kept current on her profession. This is an integral part of maintaining her registration.A nurse’s life in the 21st century is extremely fast paced. There are medical advances in precedures almost on a daily basis and it is essential that a nurse is kept abreast and is at the forefront of these improvements. This requires a high level of time management and dedication to improve oneself in addition to spending long hours in clinics and hospitals. Of course this is much easier said than done.It is in the best interests of a good hospital to provide everything needed for nurses to continue their education. A good hospital will also more than likely pay for the education of their nurses. A lack of funds should not be a deterrent to a nurse continuing her education.Many nurses regularly subscribe to nursing periodicals and magazines to keep up to date with their ongoing education.. Nurses are encouraged to go through the relavent published journals on a regular basis.Of course let’s not forget that just as important to success is the keeping of portfolios and timely documentation detailing all the training and education received throughout the nursing career. This written journal also serves as a method of organizing in an orderly manner, all the continuing education undertaken.Admittedly, there exists a challenge with regards to access to this education for nurses, namely the expense, since nursing is still not considered to be among the better paid professions. This challenge to accessibility can perhaps be met by employers coming forward and funding the continuing education of registered nurses.Please be sure to check out the many additional resources available on this topic online. </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://addszmj.info/tag/astronomy/" rel="tag">Astronomy</a> <a href="http://addszmj.info/tag/biology/" rel="tag">Biology</a> <a href="http://addszmj.info/tag/college-university/" rel="tag">College University</a> <a href="http://addszmj.info/tag/education/" rel="tag">Education</a> <a href="http://addszmj.info/tag/future-concepts/" rel="tag">Future Concepts</a> <a href="http://addszmj.info/tag/home-schooling/" rel="tag">Home Schooling</a> <a href="http://addszmj.info/tag/languages/" rel="tag">Languages</a> <a href="http://addszmj.info/tag/nature/" rel="tag">Nature</a> <a href="http://addszmj.info/tag/online-education/" rel="tag">Online Education</a> <a href="http://addszmj.info/tag/psychology/" rel="tag">Psychology</a> <a href="http://addszmj.info/tag/reference-and-education/" rel="tag">Reference and Education</a> <a href="http://addszmj.info/tag/schools/" rel="tag">Schools</a> <a href="http://addszmj.info/tag/teaching/" rel="tag">teaching</a></p> </div> <!-- --> </div> <div class="post-46 post type-post status-publish format-standard hentry category-uncategorized" id="post-46"><h1><a href="http://addszmj.info/internet-gambling/" rel="bookmark" title="Permanent Link to Internet Gambling">Internet Gambling</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p>Looking it from a large perspective, that is pretty much what people do all the time with their own lives. Businessmen for example are always analyzing profitable situations where they could lose a lot of money but also a win a lot. It is almost like regular casinos or sports gambling (for example the ones that could be done on Internet) with the difference that they have been developing financial tools to help them analyze the pros and cons. Differently from Internet gambling sports events, in the traditional investments there are always insurance policies to cover their backs. Something internet gambling works in a similar way of traditional investments, the bigger the stake, the bigger the financial outcome will be.</p><p>Life itself is uncertain. All the time we risk our lives. We do it when we get in a car or when we practice sports. Sometimes when practicing sports players take risky decisions so they could win the game; it happens just the same with internet gambling games. Every one analyzes if the reward is worth the risk and based on that analysis we chose to go on or not. However, there is a world of difference between a sensible Internets gambling and a foolish Internet gambling. There are people who risk their money on Internet sports gambling without knowing very well their deeds. For that purposes, allow me to tell you that we have the best information on the web about sports. And as you probably already know information is the keystone of internet sports gambling as well as any other kind of sports gambling.</p><p>Let’s check the most important things needed to concrete successful sports bets. Those aspects necessary to count with the relevant and timely information, the ones that build us well-founded criteria to chose wisely our internet gambling picks. We could mention the following ones:</p><p>- The judge or professional handicappers</p><p>- Live scores</p><p>- Sports news</p><p>- Team injuries</p><p>- Sports matches schedules</p><p>- Background information about sports and gambling</p> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="post-44 post type-post status-publish format-standard hentry category-uncategorized tag-management" id="post-44"><h1><a href="http://addszmj.info/risk-management-policies-in-financial-services-hedge-funds/" rel="bookmark" title="Permanent Link to Risk Management Policies In Financial Services: Hedge Funds">Risk Management Policies In Financial Services: Hedge Funds</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Many financial services make use of a well-structured risk management policy to manage their day-to-day exposure to risk, including exclusive investment entities such as hedge funds. For many years hedge funds were considered the high-stakes bad boys of the investing world; an image that the industry despised and rejected in the public eye, yet celebrated behind the closed doors of their high-rise offices and their swanky exclusive nightclubs. Over the past 36 months the hedge fund community has stepped up their efforts to shed the negativity and weariness that is often associated with them. Of course in some ways this “risky market gambler” perception was always unfounded, especially considering hedge funds use complex strategies and investment vehicles to hedge away systemic and market risk.Due to their size and unique capital structure, hedge funds were previously allowed to operate outside the stringent oversight of investment regulators, but this has changed over the past decade. While hedge funds continue to abstain from using the comprehensive risk management ‘best-practices’ of other financial services such as banks and large fund managers, they have certainly increased their use of risk management policies. These processes have evolved to monitor not only how their range of investments mitigate inherent market risk for their investors, but also how they conduct their business in general.The organizational risk philosophy at any particular hedge fund typically reflects the interest-level and commitment of that fund’s top traders and officials. The greater these managers believe in not chasing greater return at the expense of risk compliance, the stronger the fund’s risk policy is embedded throughout the entire fund’s other personnel. Many hedge funds now employ a Chief Risk Officer and have doubled their expenditures on risk management processes and risk compliance. They are increasingly seeking individuals who have obtained at least one risk management certification, focusing on credit and financial risk. These changes are the result of not only clearer minds within the hedge fund management community, but also from changing investor expectations. While hedge fund have always used complex quantitative risk management models to quell investor fears, most managers will tell you that in the past few investors know, or cared to know, how they worked. While this sentiment has not dramatically changed during these past few months, there are changing expectations from investors, especially large institutional money managers, in regards to transparency, risk analysis processes, and how business is conducted. Fund managers typically benefit from long investment time-horizons and leeway from their investors, but even traditionally ‘sticky’ investors are demonstrating a willingness to pull assets out of hedge funds if managers do not comply with the changing risk expectations.As a consequence of the 2008 financial upheaval the fund community has witnesses the creation of a series of private oversight groups, such as the ‘Hedge Fund Standards Board’. These self-regulatory bodies are creating industry benchmarks and best-practices in risk management, and from which the community can develop their own risk policies.Hedge funds of all sizes have developed and incorporated risk management policies into their operational and trading strategies. These processes include limits on acceptable losses per trader, controls and limits on the types of investments made, and formal communication and internal policing procedures. These funds offer limited transparency on how they conduct business to anyone outside their inner circle of investors, and thus individual firms are expected to internally police themselves. An predominant precursor of risk in this business is the overuse of leverage, and risk management in this area has become a hot-button issue within the fund community. Many fund managers use borrowed money (funds borrowed against the assets provided by their investors) to maximize the return on their positions, and achieve the above-market gains the industry is famous for. However, this practice leaves the firm and its investors assets exposed to unforeseen market risks. The majority of funds now have risk assessment policies in place that monitor their liabilities-to-assets ratios and prevent individual traders from exceeding leverage limits.Due diligence in many aspects of the hedge fund business has increased since the 2008 financial crisis. Fund managers are now acutely mindful of their brokerage trading connections, as well as the structure of asset-custody with transaction partners. Since the 2008 financial crisis hedge funds have learned the hard way that counter-party risks certainly do exist in the financial services sector, and the domino effect resulting from the collapse of Lehman Brothers demonstrated that even the best and brightest can be left exposed. </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://addszmj.info/tag/management/" rel="tag">Management</a></p> </div> <!-- --> </div> <div class="post-42 post type-post status-publish format-standard hentry category-uncategorized tag-marketing" id="post-42"><h1><a href="http://addszmj.info/why-your-business-needs-digital-marketing-services/" rel="bookmark" title="Permanent Link to Why Your Business Needs Digital Marketing Services">Why Your Business Needs Digital Marketing Services</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Modern world screams technology from every angle, people are well occupied with their busy and demanding schedules, and don’t have time to look out for different brands, products and upcoming projects through the means of offline marketing, such as: paper-based newspapers, books, communication methods and traditional TV and radio broadcasts. In the current scenario internet and mobile phones are the most picked method to share any information, so when the term Digital Marketing is discussed, customers can access the information any time and any place as per their convenience. Internet and globalization have shrunk the world to an axis point, where people from all over the globe can access the information via computers, tablets or mobiles. Digital marketing is indeed a blessing for the business owners, where they can influence the image of their companies via digital marketing and can reach up to a larger chunk of customers globally.You Should Do Digital MarketingIn the era of technology, where Smartphone rules our life, we feel bound to access the product details online only through, mobiles, computers or tablets. A business turns does not mean the huge traffic on the product website, but that traffic converting to leads or boosting the sales. Online Marketing, is a tool which works on your customer’s psychology with the attractive content, ads followed by various other marketing tactics, Digital Marketing tools and techniques provide business owners the best chances for competition, survival and even for the business boost.Asking Price The first and the foremost reason to opt for digital marketing is, but obviously the cost-factor, which is quite economical, being compared to traditional offline marketing methods. To illustrate the fact a TV ad or newspaper advertisement can cost huge and with no guarantee of being noticed by everybody, on the contrary an email or social media campaign, can reach out to a mass population globally. Reliable Customer’s FeedbackAnother benefit, which really suits the need of the business, is the real-time and reliable customer feedback and reviews to upgrade the services with time. With digital marketing pattern business owners don’t need to spend excessively on surveys and customers’ feedback, but the unbiased information can be attained through internet marketing and ultimately win the customer’s trust. The better revenue growth expectancy of either small or medium enterprises can extend to 4 times much better by using digital marketing techniques, since it lets the product available to go larger and farther reaching markets both locally and abroad.Brand RecognitionOnline Marketing proves beneficial for the brand reputation, with satisfied customers and their real-time feedback, business owners can reach to other potential set of customers. This helps the business owners to make the brand reputation go viral as expected, further opening new doors of opportunities for reaching bigger markets and attain business growth.Conversion OptimizationSince the current era is turning more digital, than people do have the access over their gadgets at every time and business owners can remain available with their product, regardless of their time-zone restrictions and ultimately a larger reach to the consumers would lead to conversion, because the consumer would get what they are looking for a per their convenience. Without conversion, all the traffic would mean nothing and all the other marketing efforts would end in despair. This is the sole reason, why business owners put more efforts towards the digital marketing campaigns.Key Digital Marketing ToolsDigital Marketing can be done in various ways, below mentioned are a few of the major keys, although with the upcoming innovative technology methods, more would be added to this list.</p><p>Websites and SEO content</p><p>Blogs</p><p>Internet banner ads</p><p>Online video content</p><p>Pay-per-click (PPC) advertising</p><p>Email marketing</p><p>Social media marketing (Facebook, Twitter, LinkedIn, etc.)</p><p>Mobile marketing (SMS, MMS, etc.)<br />When a customer walks into a shop, the first step he/she follows is to inspect the product and then might leave without buying anything. Undeniably a larger number only come and go and very small groups make a buy. Even if the product website receives tons of website visitors daily or weekly, but none of them ever convert, then it’s alarming, because it leads to clear indication that the business will also cease to exist. Digital Marketing helps the business owners to utilize the tried and tested marketing tactics, which not just attract the superfluous traffic, but highly potential target traffic and would ensure the survival of the business. </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://addszmj.info/tag/marketing/" rel="tag">Marketing</a></p> </div> <!-- --> </div> <div class="post-39 post type-post status-publish format-standard hentry category-uncategorized tag-marketing" id="post-39"><h1><a href="http://addszmj.info/why-marketing-automation-boosts-sales-by-220-for-start-ups-smbs/" rel="bookmark" title="Permanent Link to Why Marketing Automation Boosts Sales by 220% for Start-Ups & Smbs?">Why Marketing Automation Boosts Sales by 220% for Start-Ups & Smbs?</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> The Marketing Automation market is swelling at an incredible pace. Thanks to its affordability and key features of being an enabler and accelerator, now more and more start-ups and small businesses are signing up to its benefits.Need more reasons?Run through these quick FAQs to know just why Marketing Automation is the undisputed armour in a start-up’s kitty.Q. As a start-up founder, I am willing to go for the free-trial, but why would I want to use it thereafter?A. More than two-thirds of the companies that sign up for a free trial of Marketing Automation, end up realizing they should continue using it.Q. How long does it take to see the initial ROI after automating my marketing system?A. Of all the businesses that use marketing automation, nearly 3.75% witness a progressive ROI within the first year. For a start-up, this is insane!Moreover, start-ups can boost their ROI by using marketing automation and stand to gain from prominent features like zigihub’s micro-segmentation which can enhance campaign efficacy by 40-50%.Q. What is the biggest benefit of using marketing automation for my start-up?A. The biggest benefit is “saved time” as reported by most marketers. Marketers have expressed their delight for the amount of time they have been able to save with marketing automation. It is tremendous time… time that can be efficiently utilized in performing other equally important tasks.Q. What would my lead management be like after using it?A. Marketing Automation (MA) automatically captures twice as many leads as companies generate with a basic email system.Q. How does marketing automation help scale up my small business?A. Small businesses using MA outgrow their competitors by 63%, according to a finding by Lenskold Group.And what’s more?A whopping 451% surge in qualified leads have been reported by companies using MA system, as per a Wishpond study.To top it all, start-ups have seen their sales increase by 220% after using Marketing Automation.That for one, is quite a number!In a nutshell, your start-up or business journey can be best viewed through this flowchart… which points out the role and significance of marketing automation and what it can do for the success of your business.Voila! That is some challenging job!<br />Yes, but there are trusted experts like zigihub who can do this job for you effortlessly with its in-built intelligent algorithms.zigihub is a marketing automation platform for businesses and sales and marketing professionals to integrate all their marketing efforts under one umbrella. Using data science and machine learning algorithms, this CRM platform eases the job of marketers and makes the entire process of marketing a cakewalk. For small businesses, MA is full of advantages, as it literally sweeps away a large chunk of time-consuming efforts allowing businesses to scale up faster.The Enablers of Marketing AutomationCampaign ManagementCreate, run and evaluate campaigns across various channels; micro-segmentation of customers based on behaviour, buying patterns, demographics, etc. for executing targeted campaigns.Event Driven MarketingTriggered responses are generated based on customer-specific personal events like birthday or after payments, subscriptions, signing up for free trials, website visits, etc.Website MonitoringIntegrated website monitoring system uses intelligent analytics to increase website traffic and lead conversion rate.Social Media IntegrationIntegrates various social media channels into your marketing strategy by engaging customers in the digital world, thereby identifying and obtaining a holistic view of your existing customers.zigihub’s social media integration efficiently works towards 360? understanding of customer’s social behaviour. It uses fuzzy logic algorithms to match active social media users in the customer base.Email MarketingOn-the-fly segmentation of customers and leads to send personalized marketing messages through templates for increasing open rates.The Accelerators of Marketing AutomationPersonalized CommunicationFor engaging customers, segmented lists are created on the basis of their behaviour, interests and activities for sending personalized messages.Customer ProfilingSummarizing your customers and creating individual profiles from their specific purchasing patterns, demographics, etc. is known as customer profiling.Reference EngineThe Marketing Automation and CRM platform zigihub uses more than 60 algorithms through predictive analytics and machine learning to identify most promising deals and leads.Customers are increasingly looking forward to receiving product recommendations that match their preferences, buying history and likes.Campaign EffectivenessMonitoring and evaluating campaigns closely to improve its effectiveness is crucial to the success of any campaign. It includes detailed insights into analytics like opened, read, deleted, etc.MA platforms are retaining existing customer base with strategic development of their tools in line with the customer’s tastes and preferences. This helps in offering novelty, safeguarding the interests of customers and making them feel valued.These attributes of MA work in perfect harmony to drive a start-up engine and help small businesses scale up.So, if you are planning to start your own business or already have a start-up or SMB, you will find all your marketing related synergies being taken care of by Marketing Automation.As most marketers using it say, it is a silver bullet for start-ups and SMBs. </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://addszmj.info/tag/marketing/" rel="tag">Marketing</a></p> </div> <!-- --> </div> <div class="pagination navigation clearfix"> <div class="alignleft"><a href="http://addszmj.info/page/2/" >« Older Entries</a></div> <div class="alignright"></div> </div> </div><!-- #content --> </div><!-- #container --> <div id="sidebar"> <ul class="sb-list clearfix"> <li id="recent-posts-3" class="widget widget_recent_entries"> <div class="sb-title widgettitle">Recent Posts</div> <ul> <li><a href="http://addszmj.info/corporate-video-production-advantages/" title="Corporate Video Production Advantages">Corporate Video Production Advantages</a></li> <li><a href="http://addszmj.info/how-to-identify-an-unethical-employer/" title="How To Identify An Unethical Employer">How To Identify An Unethical Employer</a></li> <li><a href="http://addszmj.info/five-greatest-myths-about-food-health-and-fitness-busted/" title="Five Greatest Myths About Food, Health And Fitness Busted">Five Greatest Myths About Food, Health And Fitness Busted</a></li> <li><a href="http://addszmj.info/successful-digital-photography-slr-tips/" title="Successful Digital Photography SLR Tips">Successful Digital Photography SLR Tips</a></li> <li><a href="http://addszmj.info/when-it-comes-to-life-insurance-less-is-more/" title="When It Comes To Life Insurance, Less Is More">When It Comes To Life Insurance, Less Is More</a></li> </ul> </li><li id="execphp-4" class="widget widget_execphp"><div class="sb-title widgettitle">Partner Links</div> <div class="execphpwidget"></div> </li> </div> <!-- #sidebar --><!-- wmm d --></div> <!-- #main --> <div id="footer" class="clearfix"><p class="alignright"> <a href="#home" class="top-link">Back to Top</a></p> <p> © 2024 <a href="http://addszmj.info/" title="Ethical Consumerism">Ethical Consumerism</a> - All rights reserved </p> </div> </body></html>
