<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> iesfrnd.info</title> <link rel="stylesheet" href="http://iesfrnd.info/wp-content/themes/tmp/style.css" type="text/css" media="all" /><!--[if IE 6]><link rel="stylesheet" href="http://iesfrnd.info/wp-content/themes/tmp/ie6.css" type="text/css" /><![endif]--> <meta name="robots" content="index,follow" /><link rel="pingback" href="http://iesfrnd.info/xmlrpc.php" /><link rel="shortcut icon" href="http://iesfrnd.info/wp-content/themes/tmp/favicon.ico" type="image/x-icon" /> <link rel="EditURI" type="application/rsd+xml" title="RSD" href="http://iesfrnd.info/xmlrpc.php?rsd" /><link rel="wlwmanifest" type="application/wlwmanifest+xml" href="http://iesfrnd.info/wp-includes/wlwmanifest.xml" /> <link rel='index' title='iesfrnd.info' href='http://iesfrnd.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://iesfrnd.info/" title="iesfrnd.info">iesfrnd.info</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://iesfrnd.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://iesfrnd.info/">Home</a></li> <li class="page_item page-item-6"><a href="http://iesfrnd.info/about/" title="About">About</a></li><li class="page_item page-item-10"><a href="http://iesfrnd.info/blog/" title="Blog">Blog</a></li><li class="page_item page-item-8"><a href="http://iesfrnd.info/contact/" title="Contact us">Contact us</a></li><li class="page_item page-item-68"><a href="http://iesfrnd.info/list/" title="list">list</a></li><li class="page_item page-item-21"><a href="http://iesfrnd.info/privacy-policy/" title="Privacy policy">Privacy policy</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-uncategorized" id="post-65"><h1><a href="http://iesfrnd.info/shopping-for-a-first-credit-card/" rel="bookmark" title="Permanent Link to Shopping For A First Credit Card">Shopping For A First Credit Card</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Long before we are old enough to carry credit cards ourselves, advertisers make sure we know about the power of plastic: “It’s everywhere you want to be.” “It pays to Discover.” “What’s in your wallet?”While using an ad campaign to choose a card is a terrible idea, the slogans have one thing right: A credit card can be a powerful thing. For teens and 20-somethings looking to pick a first card, taking the time to choose carefully can save money and offer a boost in establishing and building a credit history.An excellent credit score will be helpful when you start to think about buying a car or getting a mortgage. Even if you do not plan to take out a large loan in the near future, your credit information can be a factor in renting an apartment, obtaining a membership at a club or getting hired for certain jobs.Lenders use credit reports to determine how risky it is to give a borrower – that is, you – a loan. All in all, the lender just wants to know if the borrower will be able to pay back the loan. If the borrower has bad credit, then he or she probably made some major or ongoing financial mistakes and is more likely not to repay. On the other hand, if the borrower has good credit, then he or she has a history of paying back debt, and the lender will most likely grant the loan.Credit cards are effectively short-term loans that need to be paid back within a short grace period. Getting the first credit card can be tricky. Credit card companies do not have any basis for your credit history since you have not borrowed any money in the past. So how are you supposed to establish and build your credit rating without a history?One way is to apply for a secured credit card. Secured credit cards are backed by a deposit that you make upfront. Usually, the amount you deposit will be the same as the card’s credit limit. Everything else is like a regular unsecured credit card: You use the card to buy things; you make monthly payments; and you incur interest if you fail to pay off the full balance. A secured credit card should be only a temporary step to building credit. Try to pay off the total balance every month to show that you are financially responsible. After all, not only do you want to build a credit history, you want to build a good one.Another effective way to start your credit history is to become an authorized user on someone else’s card. Many parents will designate their children as authorized users on their credit cards so that the children can build credit without the legal obligation to pay the balance every month. However, if the person whose account you are authorized to use does not handle the account properly, their mistakes could end up hurting rather than helping your credit.Once you establish your credit history, you can shop for your first unsecured credit card. You will quickly discover that there are many to choose from. A number of factors can help narrow the search.The most important of these is how you intend to use the card. Are you going to use it only for emergencies? If not, will you pay in full each month, or will you carry a balance on the card? Once you decide how you will use the card, follow your self-imposed rules. It is very easy, and dangerous, to continually swipe the card and tell yourself it is for a good reason. But it is crucial to be stubborn about establishing good spending habits, even – or maybe especially – early in life.If you plan to carry a balance on your card, you must be aware of the interest rate of each card you are considering. The interest rate used by credit card companies is the annual percentage rate, or APR. There are cards with variable APRs, which are based on a certain index (such as the U.S. prime rate). There are also nonvariable APRs, which are usually fixed-rate credit cards. As a beginner, you will usually want a low-rate, nonvariable APR credit card, because knowing your interest rate will give you a sense of how much money you will need each month to pay at least the minimum amount due. A low-rate, nonvariable APR card will therefore help when you create a monthly budget.In addition to interest rates, pay attention to penalties and fees. Reading the fine print in a contract can save you from owing avoidable charges. The most common fees include balance transfer fees, cash advance fees, fees for requesting a credit limit increase and online or mobile payment fees. Many cards also impose penalties for not paying your bill on time or going over your credit limit. You should hold out for a card with minimal fees and reasonable penalties. Even if other features of a particular card seem attractive, avoid the potential for exorbitant fees and penalties that could hurt your cash flow and your credit history.Understanding your spending habits will help you determine which incentives will be important to you. Most cards offer rewards programs to their customers or offer cash back for certain purchases. Many cards offer 0 percent APR for the first six to 18 months that your credit card is open. These cards are great if you plan to carry a balance from month to month. Some cards even offer anywhere from 1 to 5 percent cash back on all or certain types of purchases. If you know how you plan to use your card, then certain cards’ rewards programs can save you a lot of money.As a first-time cardholder, once you have chosen the card that is right for you, you may find it exciting to be able to swipe the piece of plastic and not have to pay in cash. But while credit cards can be useful tools, it is important to not fall into the black hole of credit card debt, which can be all too easy for an inexperienced user. Make sure to know how your credit score works and how to avoid penalties so that you will be able to make larger purchases and secure loans in the future.Your payment history, the amount of credit you use and the number of negative marks on your credit history have the highest impact on your overall credit score. If you can, pay off your total balance on time each month, ensuring that you have a 100 percent payment history. Paying off your card every month comes with the added bonus of saving you from being charged any interest on a carried balance.You will also want to use as low a percentage of your credit limit as you can. This ratio is called credit card utilization, and most experts recommend that you try not to go over 30 percent at any time. Credit card companies want to know that you are responsible with your spending and that you will be able to pay off your balance each month. You can either spend less each month or increase the credit limit on your card to lower the percentage used. You can also pay more than once per month.Obviously, you should avoid any negative marks on your credit history. These can include collection accounts, bankruptcies, foreclosures, civil judgments or tax liens. Although someone applying for a first credit card typically will not have had time to worry about bankruptcies or foreclosures, keep in mind that such problems can severely damage your ability to secure credit in the future.As a first-time applicant, you may find that the length of your credit history, the total number of accounts open or closed in your name and the number of credit inquiries also have an adverse rating on your credit score. Your credit history will be short. You will not have many open or closed accounts. Your first credit inquiry will most likely be from the company where you applied for your first credit card. Be patient. Building a credit history takes time, but as a young adult, staying on top of your finances, and especially your credit cards, will help you in the long run.Credit cards can be both powerful and dangerous, but they are also a convenient part of everyday life for most of us. A first credit card offers a great opportunity to establish positive financial habits that will serve you well for a lifetime. </p><div class="mads-block"></div> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="post-63 post type-post status-publish format-standard hentry category-uncategorized" id="post-63"><h1><a href="http://iesfrnd.info/insurance-agents-name-choices-insurance-specialist-financial-planner-or-life-advisor/" rel="bookmark" title="Permanent Link to Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?">Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices to pick from.There is a lot more to a name then may realize. Calling yourself an agent or sales agent makes you sound run of the mill. It also projects the sound of a salesman trying to sell you something. Few people enjoy feeling a person is selling them anything, it stinks of pressure. This is why in this list of different terms you will see how high words like specialist, expert, and professional rank. The prospect gets a completely new perspective, just by the title you give yourself! Prospects closely take notice when an agent jointly works with them in reaching a decision on what is the best plan of action. Prospective clients want to feel like they are part of the decision process.Important internet search tip: to get an accurate count use quote marks around your term, “insurance specialist” will only give you that term in that exact order. Without the quotes you would also get all instances of people searching terms such as specialist insurance, specialist in writing insurance claims, specialist in automobile insurance sales, etc.To give this article value, in front of each of the insurance agents distinctions is the number of current Google listings. This way you can easily see how often internet views “insurance agent ” look-up terms like specialist, planner, representative, and. advisor. Please remember the Google count figures often change daily.1. 10,600,000 = financial advisor2. 6,690,000 = insurance agent3. 4,280,000 = financial planner4. 2,120,000 = investment advisor5. 1,780,000 = insurance agents brokers6. 1,600,000 = investment adviser7. 999,000 = insurance guide8. 735,000 = insurance specialist9. 638,000 = financial expert10. 604,000 = financial professional11. 590,000 = financial specialist12. 513,000 = life pro13. 433,000 = insurance professional14. 431,000 = health insurance agent15. 322,000 = insurance expert16. 271,500 = insurance salesman17. 269,000 = life professional18. 268,000 = life insurance agent19. 253,000 = insurance consultant20. 252,000 = insurance advisor21. 244,000 = insurance sales representative22. 219,000 = insurance manager23. 218,000 = estate advisor24. 217,000 = insurance executive25. 189,000 = estate planner26. 186,000 = independent insurance sale27. 179,000 = insurance sales agent28. 155,000 = insurance seller29. 130,000 = insurance producer30. 126,000 = investment representative29. 120,000 = insurance authority30. 119,000 = insurance representative31. 112,000 = life agent32. 107,000 = life insurance specialist32. 104,000 = life specialist33. 102,000 = insurance adviser34. 89,900 = insurance sales manager35. 86,200 = licensed insurance agent36. 85,200 = insurance manager37. 71,000 = health agent38. 66,600 = insurance pro39. 65,100 = insurance sales rep40. 60,000 = insurance designer41. 59,400 = insurance sales person42. 55,600 = life consultant43. 54,500 = group agent44. 52,200 = ins agent45. 50,100 = estate adviser46. 50,000 = insurance pros47. 46,800 = insurance counselor48. 43,800 = financial pro49. 43,400 = insurance salesperson50. 40,200 = insurance sales specialist51. 37,700 = life producer52. 37,000 = insurance sales executive53. 35,400 = independent insurance brokers54. 34,700 = long term care professional55. 34,500 = financial planning advisor56. 33,900 = medical insurance specialist57. 31,300 = health insurance professional58. 29,300 = life insurance expert59. 29,000 = insurance rep60. 28,900 = financial planning advisor61. 27,500 = health insurance specialist62. 26,000 = health insurance advisor63. 25,500 = independent insurance professional64. 24,700 = employee benefits specialist65. 24,000 = life advisor66. 22,900 = life insurance advisor67. 21,800 = life insurance sales specialist68. 19,900 = life insurance professional69. 19,300 = insurance producer70. 19,200 = licensed financial planner71. 16,200 = health insurance producer72. 14,900 = insurance sales consultant73. 14,000 = term life insurance broker74. 12,800 = long term care specialist75. 12,700 = annuity specialist76. 12,500 = estate planning specialist77. 12,200 = insurance marketer78. 11,950 = life insurance representative79. 11,900 = insurance planner80. 10,600 = insurance sales professional81. 10,400 = life insurance advisor82. 10,200 = insurance writer83. 9,650 = insurance recruiter84. 9,480 = financial planning advisor85. 9,030 = estate planning advisor86. 8,570 = annuity broker87. 7,520 = insurance general manager88. 7,070 = insurance trainee89. 6,800 = long term care insurance specialist90. 6,670 = term life insurance agent91. 6,440 = long term care insurance agent92. 5,870 = licensed life agent93. 5,300 = financial insurance agent94. 5,270 = annuity agent95. 5,080 = ins professional96. 5,030 = medical insurance professional97. 5,010 = disability insurance agent98. 4,990 = employee benefits professional99. 4,430 = mortgage insurance agent100. 4,200 = disability insurance specialist101. 3,900 = long term care agentFor your own sake, never tell prospective clients that you are one of 1,500,000 insurance agents licensed to sell life, health, annuities, and financial policies. The term insurance specialist or insurance professional immediately makes your prospect more confident of your abilities. However, please do not use the overused and abused terms of financial planner or estate planner unless you actually are qualified to be one.If case, you are interested, here are more titles with over 1,000 Google entry occurrences that did not make the top 101 list. They include group health professional, ins specialist, insurance marketing representative, health insurance adviser, ins representative, term life insurance specialist, mortgage life insurance agent, insurance marketing specialist, disability insurance broker, life ins agent, term life agent, senior market specialist, life investment adviser, MDRT insurance agent, and insurance saleswoman.Should you want to get more attention on major search engines like Google, Yahoo, and Ask, here are some tips. On the front of your website entry page, use the title and first line to put a more descriptive term about the services you provide. Rather than announcing “insurance agent for many products”, try this, “medical insurance professional and disability insurance specialist.” Both these titles only have about 5,000 competing entries, which could include 3,500 to 4,000 weak ones each. Now it depends on following the advice given, and internet search engine skills you possess. An internet searcher might now find you in the top 100 listings for each of the terms! On an “insurance agent” search, with well over 6,000,000 listings, it might take a 24/7 week to find you listed toward the end of the heap. </p> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="post-60 post type-post status-publish format-standard hentry category-uncategorized" id="post-60"><h1><a href="http://iesfrnd.info/updating-the-self-with-the-latest-health-news-in-different-ways/" rel="bookmark" title="Permanent Link to Updating the Self With the Latest Health News in Different Ways">Updating the Self With the Latest Health News in Different Ways</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Health is man’s lifetime wealth. Keeping the body healthy and strong must be part of every individual’s priority. As you can see, having a physically fit body enables an individual to do his tasks effectively without any delay. Moreover, it allows him to persevere and do his best towards the realization of his goals and dreams. Keep in mind that having a healthy body is the only key for survival and so it must be given with much attention.If the body is weak, the mind cannot do its task well. And if the mind is not working, the body becomes weak and seems to have lost its energy. These are just the effects if an individual’s body and mind is not coordinated. This is what happens if all the aspects that make up an individual are unhealthy. There has been health news of people experiencing health illnesses due to stress, over fatigue, depression, living a sedentary lifestyle and having habits that are hard to break. They are better known as people who are abusive and just takes for granted their health.When an individual experiences health illnesses, the body as well as the mind are not working well due to the rapid spread or attack of viruses and bacteria inside the body. If an individual has a weak immune system, definitely it will be easy for the unknown viruses to harbour inside the different body organs and thus will lead to death if left untreated. It is sad to hear that many have been left untreated with their illnesses due the reason that there is no cure for the disease or there are no enough financial resources that will fund for the hospital expenses.The problem with most individuals right now is that they take for granted the chances of making the body healthy. Aside from that, they do not take into consideration the consequences of their actions for instance when they smoke. Smoking brings different health illnesses and is one of the major factors that contribute to the development of a disease.If you are greatly concerned over your health, you must learn to value it. Be open to changes and open your doors for different health activities such as exercising, being actively involved in a certain sport and performing simple relaxation techniques. Another helpful tip that will make you achieve good health is through listening to health news and reading medical journals that way you will be informed the latest on how to effectively care for the self.There are plenty of ways wherein you can be updated with the latest medical news. You can be informed and be alarmed when you listen to breaking medical news when you watch television or when you listen to the radio. You can read magazines, newspapers and journals focusing on an individual’s health. There is even plenty of health news when you will simply surf the internet. One click and all sorts of health news and updates will be seen and laid right in front of you.As of this point, it is already very dangerous to get sick. It is more stressful when we deal about expenses and how we could ever find cure. It is really important that you pay attention to all the dimensions of your life. Do not just rely but rather be always on the go and move so you can survive. </p> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="post-58 post type-post status-publish format-standard hentry category-uncategorized tag-adidas-clothing tag-apparel tag-cat-shirt tag-designer tag-hunting-clothes tag-jordan-clothing tag-mens-clothing tag-sports-clothes" id="post-58"><h1><a href="http://iesfrnd.info/golf-clothing-how-to-look-your-best-on-the-course/" rel="bookmark" title="Permanent Link to Golf Clothing – How to Look Your Best on the Course">Golf Clothing – How to Look Your Best on the Course</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Gone are the days of goofy golf pants and socks. No more knickers with plaid socks. With more and more younger players on the course, in this day and age, what matters most is having great style on the golf course.New designers are racing to attract the young golfers to their brands with argyle sweaters, pastel polos, stylish plaid pants, and updated hats. While most young golfers seem to not pay attention and go out on the course with jeans and t-shirts, following these simple rules will keep you looking your best on the course.Here are a few of the designers at the forefront of the new designs:J. Lindeberg – From mild to wild, J. Lindeberg has a great selection<br />Travis Mathew<br />Sligo – An extremely popular manufacturer that has a huge selection of great designs.<br />Quagmire – Carries a good selection of unique designs<br />Hollas – A Canadian manufacturer, Hollas has a nice mix of mild shirts.<br />Puma – Puma is coming out with a lot of new, trendy shirts. They have a good selection of the mild to wild.<br />Ian Poulter – You really have to be comfortable with yourself here. Ian Poulter clothing is known for pastel colors and variation of pink.<br />Lacoste – One of your less risky choices. They have a good mix of striped and plain shirts<br />Pahr Fairway Essentials – Definitely for the fashion conscious. Has a good mix of plain and stylish shirts<br />Original Penguin – Funky colors and style<br />Dunning Sportswear – focuses on more of a clean aestheticsStep 1: Choose a shirt that fits your styleThere are thousands of different shirts out there, but which one fits you? Polo? Striped, solid, argyle, funky? Sweater? Long/short sleeved shirt? With so many choices, do your research to figure out which style best fits you.Step 2: Choose Pants or ShortsDon’t be afraid to choose plaid pants or shorts. While the old school pants are definitely gone, plaid pants and shorts are very much still in style.Step 3: SocksYes, socks. Don’t even think of wearing plain white socks with your new shirt or pants. It’s a simple addition that really counts when you’re on the course.Step 4: Hat or no hatThis one is very much up to you, and not a requirement. It might be a good choice to keep the sun out of your eyes on a very sunny day.Step 5: The buckleWhat? A special belt buckle for golfing? This isn’t your grandpa’s game anymore. Belt buckles are coming back with a vengeance, and can make or break your new wardrobe. </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://iesfrnd.info/tag/adidas-clothing/" rel="tag">adidas clothing</a> <a href="http://iesfrnd.info/tag/apparel/" rel="tag">apparel</a> <a href="http://iesfrnd.info/tag/cat-shirt/" rel="tag">cat shirt</a> <a href="http://iesfrnd.info/tag/designer/" rel="tag">designer</a> <a href="http://iesfrnd.info/tag/hunting-clothes/" rel="tag">hunting clothes</a> <a href="http://iesfrnd.info/tag/jordan-clothing/" rel="tag">jordan clothing</a> <a href="http://iesfrnd.info/tag/mens-clothing/" rel="tag">mens clothing</a> <a href="http://iesfrnd.info/tag/sports-clothes/" rel="tag">sports clothes</a></p> </div> <!-- --> </div> <div class="post-56 post type-post status-publish format-standard hentry category-uncategorized tag-beauty tag-cosmetics tag-face-care tag-face-products tag-serum tag-skin tag-skin-tonic tag-skincare tag-treatment" id="post-56"><h1><a href="http://iesfrnd.info/mary-kay-cosmetics-makeup-and-skin-care-product-use/" rel="bookmark" title="Permanent Link to Mary Kay Cosmetics Makeup and Skin Care Product Use">Mary Kay Cosmetics Makeup and Skin Care Product Use</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Fascination with makeup occurred at a young age. But when we start experimenting, we don’t always use the best face, body and cosmetic products. This is truly because we can only afford the stuff from the five and dime.As we mature, we learn that our skin requires special attention. It takes a little time and effort to maintain good skin that is glowing and totally flawless. Sometimes, based upon your skin type, special care needs to be taken. Such as a customized products for acne. So you should care for your skin as it asks you to. It shows you what needs to be done to keep it healthy. Mary Kay Cosmetics Makeup and Skin Care Product use enhances and helps maintain good skin.There are five essential steps when using Mary Kay Skin Care Products for good skin results:1. Cleanse: Removes makeup, impurities, excess oil and environmental pollutants2. Exfoliate: Exfoliates dead surface cells to re-texture and refine the skin’s surface3. Freshen: Completes the cleansing process as it helps tone, soothe and re-hydrate the skin4. Moisturize: Increases skin’s ability to retain moisture and forms a protective shield to reduce moisture evaporation and improve skin’s resilience and elasticity5. Protect: Evens skin tone for a flawless finish and shields from the environmentNote: A Moisturizer with Sunscreen SPF 15 helps protect skin from premature aging due to incidental sun exposure.Your skin may also require customized skin care and color products. For instance, you may need to:Smooth and softens fine facial lines, Minimizes the appearance of fine lines and wrinkles, Reduce puffiness under the eyes or have sensitive skin. Mary Kay Cosmetics offers customized products to care for skin that needs additional support in keeping the skin clear.Sensitive skin is defined as skin easily irritated by topically applied products or environmental factors. Be sure that you use a customized skin care and color product that says “suitable for sensitive skin”. Mary Kay Skin Care Product are made for sensitive skin.Blemish-Prone Skin – Acne or blemish-prone skin is a remarkably common skin condition. While many adolescents may experience acne, this condition also can appear for the first time in adults in their 20s or 30s or even later in life. Generally, however, if you had acne as a teenager, you are more likely to have it again as an adult. Eighty to 100 percent of all teenagers have acne to some degree, and an increasing number of adult women also have some acne. It may require a dermatologist’s care.Most Mary Kay Cosmetics Makeup and Skin Care Products have customized skin care products fit the specific skin care needs of most people. It takes a little time to determine what is actually needed by use. Symptoms of extremes in skin types, such as acne, overly dry or oily, can be improved through proper skin care use. It’s very important to remember that skin care products and cosmetics will help the skin look and feel good, but will not cure skin disorders. That’s when dermatology care is worth investigating.Note: In addition, once acne is present, excessive scrubbing or frequent cleansing will not control it, and any rough manipulation of the skin may further irritate and inflame the lesions or even lead to the formation of new acne lesions.When choosing a color cosmetics always go for the latest trends. It’s usually refreshing and fun to make the change. This also ensures assures freshness of the products.Pamper and care for your skin all over. Use the very best in body care. Layer your body care products on the skin before applying the fragrance because it can extend the wear time of the fragrance.Find a fragrance is completely unique and one with “staying power”. Different ingredients come into play in the fragrance at various stages of the perfume’s life on the skin.Perfumers distinguish between the various parts of the fragrance in the following way: The first impression of the fragrance. It is the initial impact of the scent on the sense of smell. The heart of the fragrance unfolds and develops a few minutes after the perfume is applied to the skin. The final impression of the fragrance . It is the most lasting part and can last several hours after the fragrance is applied.That’s because each one can include up to 1,000 different ingredients, which vary not only in how they smell but also in their “staying power” on the skin. Different ingredients come into play in the fragrance at various stages of the perfume’s life on the skin.Remember that the whole body needs care. And remember to make yourself feel special everyday! </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://iesfrnd.info/tag/beauty/" rel="tag">beauty</a> <a href="http://iesfrnd.info/tag/cosmetics/" rel="tag">cosmetics</a> <a href="http://iesfrnd.info/tag/face-care/" rel="tag">face care</a> <a href="http://iesfrnd.info/tag/face-products/" rel="tag">face products</a> <a href="http://iesfrnd.info/tag/serum/" rel="tag">serum</a> <a href="http://iesfrnd.info/tag/skin/" rel="tag">skin</a> <a href="http://iesfrnd.info/tag/skin-tonic/" rel="tag">skin tonic</a> <a href="http://iesfrnd.info/tag/skincare/" rel="tag">skincare</a> <a href="http://iesfrnd.info/tag/treatment/" rel="tag">treatment</a></p> </div> <!-- --> </div> <div class="post-54 post type-post status-publish format-standard hentry category-uncategorized tag-accounting tag-business tag-companies tag-google tag-near-me tag-offices tag-restaurant tag-sale tag-services" id="post-54"><h1><a href="http://iesfrnd.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region/" rel="bookmark" title="Permanent Link to There is an excessive amount of traffic coming from your Region.">There is an excessive amount of traffic coming from your Region.</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p>#EANF#</p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://iesfrnd.info/tag/accounting/" rel="tag">accounting</a> <a href="http://iesfrnd.info/tag/business/" rel="tag">Business</a> <a href="http://iesfrnd.info/tag/companies/" rel="tag">companies</a> <a href="http://iesfrnd.info/tag/google/" rel="tag">google</a> <a href="http://iesfrnd.info/tag/near-me/" rel="tag">near me</a> <a href="http://iesfrnd.info/tag/offices/" rel="tag">offices</a> <a href="http://iesfrnd.info/tag/restaurant/" rel="tag">restaurant</a> <a href="http://iesfrnd.info/tag/sale/" rel="tag">sale</a> <a href="http://iesfrnd.info/tag/services/" rel="tag">services</a></p> </div> <!-- --> </div> <div class="post-51 post type-post status-publish format-standard hentry category-uncategorized" id="post-51"><h1><a href="http://iesfrnd.info/the-splendor-of-world-travel-and-protection-via-immunization/" rel="bookmark" title="Permanent Link to The Splendor of World Travel and Protection Via Immunization">The Splendor of World Travel and Protection Via Immunization</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Worldwide travel is a hoot. If you haven’t done it yet, you really should! Sure it can wind up costing tons of cash-but it really doesn’t have to! No way, travel on a budget is totally possible and in some ways much more rewarding. For one thing, you are not artificially separated from the locals by expensive hotels and restaurants. There are bunch of things one must do before jetting off and visiting a certified travel clinic for an immunization or two is a great idea depending on where you are going.Immunization is another word for vaccination and they are administered to combat and protect against any diseases that may be lingering in your country of destination. Diseases, you say? Yeah, but they’re nothing to worry about-even if according to the World Health Organization there are at least six thousand rare diseases and over twelve thousand other categoriesof disease across the globe. Sure the numbers seem dire, but that shouldn’t keep you from beginning to travel-one need only worry about contracting a microscopic percentage of existing diseases while traveling-and an immunization is available for each one.Of course, we are being a tad light-hearted, but the facts are the facts, the world is a dangerous place, there’s no way around this. Yet, even though one may need a little extra protection against disease via an immunization while traveling, this no excuse to sit home and never experience the world in a first-person manner. Once you begin to travel, chances are you will never stop. It can be like an addiction; an addiction to other cultures, wondrous sites, delicious food, and friendly foreigners. These things all coalesce to make world travel one of the highlights of any fulfilling lifetime.So where to go? Is there a place on earth that is more dangerous in terms of indigenous disease than any other? Well, yes, that continent is probably the continent of Africa. Once again, however, with the help of a certified travel doctor and his immunization skills, one can behold the splendor of wild elephants at a watering hole bathing themselves with their spraying trunks or even take up residence with a tribe such as the Masai, whose Kenyan culture is fascinating and whose welcoming attitude is famous worldwide.One of the most dangerous diseases-and one for which an immunization is surely needed-is yellow fever. Yellow fever is a potentially deadly disease still a threat in many areas of the world, not just Africa. A yellow fever immunization is recommended if one is planning to travel to Africa, Central and South America, and/or parts of Asia. It is spread through the bite of an infected mosquito, thus making it difficult to halt its devastating path.Other travel related diseases that have an immunization available are malaria, typhoid and Japanese encephalitis. The process of immunization is commonly administered by a single injection. A rabies immunization, however, is up to five shots (though this is the exception rather than the rule). Receiving a travel immunization is very safe and affordable, and significantly lowers the risk of catching any disease while abroad. </p> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="post-49 post type-post status-publish format-standard hentry category-uncategorized" id="post-49"><h1><a href="http://iesfrnd.info/easy-online-payday-loans/" rel="bookmark" title="Permanent Link to Easy Online Payday Loans">Easy Online Payday Loans</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> It is a very fast and easy way to get the money you need. But you want to make this your last resort, so make sure you absolutely need it. Use easy online payday loan as an emergency only way to get money. Use easy online payday loan for unexpected reasons, and save up for your “you tine” with each paycheck. The best part of using easy online payday loan is it improves your credit. It shows that you pay off your debt, and that gives positive points on you credit history.You will have no paper work to fill out, and there is no need to fax anything to them. You do it all online in the comfort of your own home. All you have to do is go online and check it out. It does not take very much time at all to fill out the application. They ask some basic information, like your name, address, job, and phone number. You have to be eighteen years of age and older, with an active checking account.Easy online payday loan offers $100 minimum amount loan, all the way up to the maximum of $1,200. If you have bad credit, you should look for an Easy Online Payday Loan that has low interest rates. Some loan places do not have high interest rates, while others do. You should make sure to take your time in researching for easy online payday loan. Some of the places do not even do credit checks, and you would find that in your research.You do not have to wait long for easy online payday loan to approve you. You will find out within 30-60 minutes. Then once you are approved you will see the money in your account within 24 hours. Another great benefit in using easy online payday loan is you pay them back within a month or two. That way you have time to save up for that payment.So if you do not want to stress about your money problems, I would go online and see for your self. Like I said it is easy to qualify for and to pay off. Just go to a search engine and type in easy online payday loan. Some sites even have success stories; this helps you make a faster decision.Take your time in doing the research; there is no need to rush, since you are in your own home. It takes less time to do research from your home then it is searching around town. Now all you have left is to sit back and relax, now that your money problems have been resolved. There is no more running around like a chicken with its head cut off.Be responsible with your hard earned money and time. So go on and check out easy online payday loan online, it is safe and simple to do. I have even used them, it was not my payday week, and my gas was going to get shut off. I work hard everyday, and I can not afford a high price disconnect fee, and on top of that a reconnect fee. Not to mention the bill itself, the bill was over $100. So I looked online for easy online payday loan. I can afford the loan, plus interest and still have money left over. But there was no way I could afford all the fees from my gas bill, and have a penny left to my name. Plus my family would have been without gas for over a week, and gas heats the house, food, and much more.So do not sit on your laurels go on, and fill out the application, and find out for yourself on how easy it is to fill out. I did and I do not regret it one bit, and neither will you. </p> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="post-47 post type-post status-publish format-standard hentry category-uncategorized" id="post-47"><h1><a href="http://iesfrnd.info/every-great-bachelor-pad-should-have-a-great-garden/" rel="bookmark" title="Permanent Link to Every Great Bachelor Pad Should Have a Great Garden">Every Great Bachelor Pad Should Have a Great Garden</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Unless you’re under 35 or over 65 you might not have noticed that there’s been an explosion in city living. London apartment developments have been popping up all over the capital fed by a growing need for neat single living units and a desire to be where the action is, and at the most within a night bus home.In the UK some 50% of new homes are apartments, a trend that’s found worldwide, and this has led to some unusual trends in garden design and gardening. In particular it has led to gardens on a tiny scale with a new trend in micro gardening including vertical green walls and grow your own. Community gardening in these new neighbourhoods is a big trend that we’re hearing about. But one trend that has gone under the radar is the rise of slick independent male apartment living – old style bachelor pads with a new twist. They want a garden to match their stylish new homes.The rise of these new bachelor pad gardens is led by a few different influences. First of all there is a new sophistication for staying home and if you are entertaining your date then what better than taking them out into your stylish outdoor space, sitting around a fireplace at night time whatever the season. Second climate change in city centres has led to more exotic gardening, if you have a warm micro climate in your London garden then you can grow exotic plants like luxurious tree ferns and sexy jungle plants like canna lilies.The other big influence is technology, serious boys toys for the garden. New LED lighting technology gives a great atmosphere year round and even when it snows what better view than a snow lit landscape. But of course night time garden lighting allows busy city boys to relax in the garden when they get home, have a beer from their slick stainless steel cooling drawer and chill out. Add in a great sound system linked into the internal computerised music feed and an outdoor TV and you’ve got an extension to your small apartment for year round entertainment.A challenge for every small city garden is seclusion, especially if you’re a bachelor entertaining his latest girl or boyfriend. It doesn’t have to be the usual timber fence and the contemporary horizontal trellis that has sprung up in suburban gardens isn’t enough when your home displays your tastes to people you want to impress.And plants are just as important to create that secluded atmosphere. In small gardens every plant counts and it’s important to choose wisely. For the gardener he might sacrifice seating space for planting but for many it’s about low maintenance garden design that means occasional gardening whilst enjoying great simple planting schemes with a peak of interest for the summertime. For the minimalist bachelor pad it might mean a single great Japanese Maple but the clear white branches of multi-stem birches and black bamboo are a popular choice. For the single male interested in emanating Gordon Ramsey or Jamie Oliver there’s also an interest in planting more unusual exotic edibles like Szechuan pepper or Cocktail Kiwis that thrive in the warmth of the city.Whatever their taste for planting and gardening there seems to be a cool modern garden for every bachelor, whether it’s the city banker with his rooftop space for entertaining or the newly independent divorcee retiring into the city rather than out to the country and wanting a city garden to enjoy for gardening and relaxing in. So next time your London garden is looking a bit tired check out the garden of the single male living next door and get a few tips for a fab garden design. </p> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="post-42 post type-post status-publish format-standard hentry category-uncategorized tag-advertising tag-branding tag-business tag-business-travel tag-careers-employment tag-consulting tag-furnishings-and-supplies tag-industrial-mechanical tag-international-business tag-interviews tag-management tag-marketing tag-networking tag-sales-management tag-sales-training tag-security tag-small-business" id="post-42"><h1><a href="http://iesfrnd.info/sp-500-rallies-as-u-s-dollar-pulls-back-towards-weekly-lows/" rel="bookmark" title="Permanent Link to S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows">S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p>Key Insights<br />The strong pullback in the U.S. dollar provided significant support to stocks.<br />Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500.<br />A move above 3730 will push S&P 500 towards the resistance level at 3760.<br />Advertisement</p><p>Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines<br />S&P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.</p><p>The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.</p><p>Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.</p><p>Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.</p><p>Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.</p><p>From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.</p><p>S&P 500 Tests Resistance At 3730</p><p>S&P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.</p><p>If S&P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&P 500 will likely face strong resistance above the 3800 level.</p><p>On the support side, the previous resistance at 3700 will likely serve as the first support level for S&P 500. In case S&P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&P 500 towards the support at 3640.</p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="http://iesfrnd.info/tag/advertising/" rel="tag">Advertising</a> <a href="http://iesfrnd.info/tag/branding/" rel="tag">Branding</a> <a href="http://iesfrnd.info/tag/business/" rel="tag">Business</a> <a href="http://iesfrnd.info/tag/business-travel/" rel="tag">Business Travel</a> <a href="http://iesfrnd.info/tag/careers-employment/" rel="tag">Careers Employment</a> <a href="http://iesfrnd.info/tag/consulting/" rel="tag">Consulting</a> <a href="http://iesfrnd.info/tag/furnishings-and-supplies/" rel="tag">Furnishings and Supplies</a> <a href="http://iesfrnd.info/tag/industrial-mechanical/" rel="tag">Industrial Mechanical</a> <a href="http://iesfrnd.info/tag/international-business/" rel="tag">International Business</a> <a href="http://iesfrnd.info/tag/interviews/" rel="tag">Interviews</a> <a href="http://iesfrnd.info/tag/management/" 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