Slate is formed through metamorphism, a process in which the tiny elements that make up a rock are pushed closer together to form a crystalline structure, also known as recrystallization of the stone. This all occurs while the stone is in a solid state, and the materials that make up the stone are not changed, they are merely repositioned to be closer to one another in a crystal pattern. Metamorphism can be caused by heat or pressure. The materials which undergo this transformation to form slate are generally a shale type sedimentary rock.

Slate forms in layers that easily cleave off in thin lines, generally known as Slaty Cleavage. During formation the original sedimentary rocks are forced down into these plains due to immense pressure. The resulting slate can be comprised of many different beds of sedimentary rock, all of which are now reoriented in the same direction.

Slc

While slate is generally a grey or grey-blue color, it can also have multicolored effects in its surface. These come from the various different beds of sedimentary rock of which it is comprised, often making this material a contrast of hues.

Slate is most commonly used for roofing because it can be sliced into thin layers. It is also very popular in flooring, countertops, and architectural applications, due to its durability, its natural beauty, and it's relatively low cost. Its clefted surface makes it slip resistant, causing it to be popular in kitchens, bathrooms, and restaurants, as well as public hallways and other high traffic areas. It is also used in decorative home furnishing, fish tanks, and even in novel accessories such as board games.

Slate is found naturally in mountains. When it is quarried, it is usually done so in large blocks known as slabs. These blocks are then chopped up into smaller slabs for distribution. The size of the slab they can make is dependent on the relative strength of the type of slate. The inherent layering of this material makes some rather large sizes difficult to maintain and keep from cracking.

In stores, slate is generally available in tiles of various sizes including 16X16, 12X12, 8X8 as well as in slabs of various sizes, usually running to about 80 inches in length. Installations are generally done with mortar backing to even out varying thicknesses. Then grout lines are run along the joints of the stones. It is important to adequately seal and protect all tiles before grouting them.

When PODS burst onto the moving scene in 1988 they totally transformed the self service moving industry. Up until this time the only alternative to full service moving was renting a moving truck. Moving pods offer many advantages such as quick loading at ground level and increased flexibility when it comes to the time your available loading time, but it is possible to hire cheap moving PODS? This article examines this point in detail and provides tips and advice on how you can achieve the cheapest possible price for your move using a PODS container.

So for the uninitiated what is a moving pods and what are the main advantages of this type of moving. The easiest way to explain things is to tell you what the word "PODS" means which is Portable On-Demand Storage. A pod is basically is storage container that is delivered to your home, you pack it at your leisure; it is then picked up again and taken to your new home. If necessary it can be stored in between your move at a warehouse. The main advantages over the other types of moving discussed in the introduction to this article are:

Apartments Slc

· You have up to a month to pack your pods and not a day

· There is no driving involved on your part

· There is a patented lifting system which prevent shifting of items once have been loaded into the container

Now onto the question of how to get a cheap moving pod for your move. As with any moving services, rates will vary at different times of the year. The summer months when demand is high are likely to be more expensive than the winter months. You can check this out by visiting the PODS site http://www.pods.com and simply requesting a quote. Therefore if you have the flexibility one way of reducing your overall moving cost is when you know that demand services will be at there lowest.

Make sure when you accept your quote you get the size of PODS container correct for your requirements. If you ending up requiring additional space it will cost you a lot more in the long run and you can kiss goodbye to the idea of a cheap moving POD.

PODS are relatively cheap and cost effective for local moves. However this is not the case for cross-country or Interstate moves. If you are moving over a long distance, compare the PODS quote carefully with other moving solutions and ask yourself whether the convenience of PODS is worth paying for.

One final way to get a reduction is to try and get a discount on your POD. Give them a call, you may get lucky if a container has been emptied in your area.

Conclusion

As you can probably appreciate by now PODS have a many advantages for you the mover and it is possible if your smart to get cheap moving pods. The main points to remember are to avoid hiring pods for long distance moves, move out of season to get a favourable rate if possible and finally get that discount!

So you want to know how much do home appraisals cost?  Well, the price of a home appraisal varies depending on the type of appraisal you want.  There is no doubt that getting an accurate home appraisal, if you are a buyer or seller of property, will save you money.  This article will explain the most popular types of home appraisals and how much they cost.

Professional Home Appraisal - When buying a home you will most likely have to get a professional property appraiser to appraise your home's value.  This is not to protect the buyer, but instead it is to protect the bank that is lending you money.  The appraisals normally cost between 0 to 0 dollars depending on where you live and the size of the home.  This type of appraisal is fairly accurate. The appraiser will come to the home for a couple of hours, take pictures and then provide a report in a day or two.

Slc

Real Estate Agents - You can sometimes get an agent to give you an estimate of your homes value.  The agent will hope to get your business and will be willing to provide a free estimate.  I recommend finding an experienced real estate agent who is familiar with your neighborhood.  I would also recommend that you get two or three agents to give you estimates.

Online Home Appraisals - There are companies on the internet that will provide home appraisals based on historical data.  These estimates range in price from free to around . Try using some of the free sites first to get an idea of the value of your home or the one you plan on buying.  Most of these websites will ask for general information about your home and give you an estimate within seconds.

Looking for a taxi license called a TLC license NYC? The taxi license referred to as a TLC license NYC means the license given by the Taxi and Limousine Commission of New York City that is required to drive a medallion yellow cab or a black car limousine in the five boros of New York City.

Getting the license to drive a yellow taxi in New York City is referred to as the hack license. Having this license provides you access to the famous New York City yellow taxi cabs. Work either the day shift or night shift. Do not feel like driving? No problem. Take the day off and show up the next day because you are your own boss. Job security is based on how good your driving record is. In other words, the better you drive, the more desirable you are for operating the yellow cab in NYC.

Slc

Here are the steps for getting the taxi license referred to as a TLC license NYC:

1. Defensive Driving Class - getting the taxi license starts with attending a six hour defensive driving course. This class can be can be taken at the Master Cabbie Taxi Academy, the largest of the New York City Taxi Institutes.

2. Medical Exam Form Completion - before filing an application with the TLC, a taxi driver applicant must have a simple medical exam done by a New York licensed doctor. Master Cabbie can schedule this inexpensive exam for you if you want.

3. Prepare Application Papers - the next step in getting the TLC license NYC is to file the application for the taxi license NYC with the licensing division of the Taxi and Limousine Commission. At the time of filing, fingerprints will be taken and a background search done by TLC. Once the application is submitted, a taxi license applicant is required to take a drug test at a laboratory designated by TLC.

4. Attend Taxi License School - the next step in getting the taxi license is to attend classes. The classes will cover subjects such as NYC geography, TLC regulations and customer relations for the taxi license driver.

5. Pass the Test - after the classes have been taken, the applicant needs to pass the New York City Taxi Operators written examination. The test has thirty questions related to English proficiency and fifty multiple choice questions about New York City taxi cab knowledge that has been learned in taxi school.

Why do New Yorkers and tourists alike take taxis in NYC? It is easy and convenient! There are more than 13,000 yellow cabs operating in NYC and the taxi license drivers give more than 225,000,000 rides a year at an average of about nine dollars per ride.

Having the TLC license NYC and driving a taxi is an excellent way to make a living. With the dollar at a low level against many other currencies, New York City is setting records each year with the number of visitors coming to enjoy the city.

Add the convention trade, the theater district and the newly expanding upper income neighborhoods outside Manhattan, it is easy to understand why holding a valid taxi license NYC can provide a meaningful income. Recent adjustments to the fare structure by the NYC Taxi & Limousine Commission have increased taxi driver income to the highest level in decades.

If you want to get the TLC license in NYC, Master Cabbie can help make it happen for you. If your English language skills are not the best, the Master Cabbie staff can support your preparation with the unlimited special class. If having the taxi license NYC appeals to you, contact the staff of Master Cabbie and get started today.

Copyright 2007 American Master Cabbie Taxi Academy

Are you moving to a new city? If you are then, finding affordable apartments for rent is probably one of your priorities. You can choose from plenty of options in your search these days. Finding the right rental property may not be as difficult as you imagine.

Your income is the first thing that you should consider if you are looking for an apartment. It may be possible to seek help from organizations like HUD if you fall within a certain yearly income. You can benefit from the affordable apartments for rent for low income tenants that these groups offer.

Apartments Slc

Do you fall within the state guidelines of programs like HUD? If you do, then you should make sure that you take advantage of the opportunity to find affordable apartments for rent according to your income. These organizations work with your specific level of income so you will only pay what you can actually afford.

Asking questions from the people I knew was the first thing I did, when I was looking for affordable apartments for rent. This turned out to be one of the most valuable resources available. I was lucky to have friends and family members who were willing to help me find a place that I could afford on my meager waitress income. I have to say that I was shocked when I discovered many cheap, unadvertised apartments for rent in my area.

An unadvertised rental that was behind a private home was one of the nicest options available to me. I found a cozy one bedroom suite that was perfect for me in that small building. I almost fell in love with the place, even though it wasn't one of the affordable apartments for rent that I put on my list. That wonderful apartment was just too far out of the way for me.

I had no choice but to try the other affordable apartments for rent on my list. I had my eye on a place that was located on a perfect location and I already knew the landlord. I talked to the owner and asked to be put on a waiting list because the current tenant was about to move. I would have never known that the apartment was going to be available if I hadn't networked with friends and family.

You can also find affordable apartments for rent by searching the newspaper. However, shopping around might be a better option. It's important that you become familiar with the neighborhood. It would also be wise to consider how far you want to drive to work each day. You can find the best cheap apartments for rent available by simply asking around.

Non-prescription colored contact lenses do not correct vision. These are cosmetic color contacts, which will only change the eye color.

Colored contacts are the most popular contact lenses because they look good and are fun to wear. Freshlook colored contact lenses can change the eye color and improve vision. If one is interested only in changing color, Freshlook cosmetic contact lenses are available without prescription. A number of other brands are also available. These soft, colored contacts are comfortable to wear, but one has to ensure that the lenses properly fit the eyes. These can be worn as extended wear or as one-week disposable. There are varieties which can be worn daily for up to two weeks and then be discarded. Extended wear colored contacts are sold by the pair, and disposable ones are often sold in six-packs.

Slc

Cosmetic Freshlook contact lenses that change eye color are on sale for .95 a pair. For even greater savings, there are special packages, like purchasing three or more pairs would entitle you to two free pairs, for a savings of .90. With each order, the customer is given a sample contact lens for trial purposes.

Non-prescription colored lenses are designed to be a fun accessory. One can change one's eye color based on mood, outfit, makeup or plans. The concept is to cover the iris with a new color. Both opaque colors and enhancement tints are available. The suitable one should be selected on the basis of the iris color they are covering.

Achieving the desired eye color using the non-prescription colored contact lenses gives a mesmerizing effect to one's appearance. The add-ons usually look completely natural.

The ability to change eye color simply by putting on an appropriate contact lens is becoming more popular. People have them for fun, as these normally do not have any side effects.

SDLC stands for Software Development Life Cycle. What is it all about? What are the various phases of it? Why should every client be aware of it? Here is the explanation to all these questions. As the name implies, it is primarily used to provide methodologies to develop computer software. It is a must to be aware of the guidelines and models in order to efficiently develop computer software.

Various phases of SDLC are to be pursued in order to gain a better view of how a project could be handled. The phases of SDLC include requirements gathering and analysis, system designing, development, testing, operations and maintenance.

Slc

Requirements gathering and analysis: Under this phase, the project's goal is determined and the functions are brought to focus. Gathering of information and analysis of the user's requirement is also done in this phase.

System design: A sample structure of the entire project is created in this phase and all necessary data are gathered.

Development: Coding of the whole project is done in this phase. Codes are easily generated if proper design is performed in the previous stage. According to the needs of the application, programming language is selected.

System testing: After the generation of codes, testing of all the modules is performed. All modules are integrated together and proper testing tools are selected for error checking.

Operations and maintenance: Under the final stage of SDLC, the developed software is given to the users. Maintenance is necessary after the development of a successful project. It is obvious that changes occur once the project is handed over to the end user. The developers must develop the project in such a way that it is adaptable to those changes. The main operation of the software must not be affected by those changes.

It is necessary for the client to be aware of all the phases of SDLC so that they can get to know about the status of the project under proposal. The client must also be aware of various operations performed under various stages. This would enable them to handle the project with ease. This also helps them to collect good quality products. Only when the clients are aware of the stages of SDLC, they can sort out the problems that arise while using the product. This would thus produce a good quality product.

The number markings on precious gold jewelry are a bit of confusion to lots of people. We are generally used to seeing a karat or silver mark like this: 10K, 14K, 18K, Sterling, etc. The numbers mean the same thing.

For 14k the number is technically 583 but most manufacturers adopted the European way and make 14k gold a tiny bit over 14k, so the mark is 585 in most 14k jewelry. 18K is marked 750. If the mark is valid and there is a makers mark also in the jewelry, the number means these items are 18k gold.

Slc

Here is where the numbers come from. Pure gold is called 24 karat. For 18k gold, there are 18 parts of pure gold mixed with other metals to make the metal suitable for use in jewelry. 24k is too soft alone to stand up or to hold stones well. 18 parts pure gold divided by 24, or 18/24 equals 750. That is where the number comes from. The jewelry is 75% pure gold, 750 parts gold with 250 parts other metals out of "1000" parts. It is easier to think of it as a percent which is pure gold in the recipe.

Sterling silver is marked 925. Sterling is 92.5% pure silver and the rest is other metal, generally copper.
What does it mean if the ring marked 14K PR? The 14K simply means it is 14K (Karat) gold and because of the K means it would have been made in either South East Asia or The United States. The PR marks are just the Maker or Store ID or even a design mark, and have no relevance to the Value.

The basic decimal formula to work out the quality of gold content is quite simple, as they are all measured in 'Parts per Thousand.' This means that 9ct gold is calculated like this: 9 (for 9ct) is divided by pure gold (24) and then multiplied by 1000 (for pure gold as a decimal). ie: 9/24*1000=375 That 375 is the decimal quality for 9ct gold and is sometimes shown with a decimal point in front - .375

The old Victorian standard of 15ct gold is calculated the same way - 15/24*1000 = 625 (Not quite the numbers you have on your jewelry. Dental gold is 16ct or 666 recurring. But you can also reverse this formula by starting with the decimal and working back. ie: 375/1000*24 = 9

In your case we can use 698/1000*24 = almost 17ct
I have a platinum engagement ring and found a wedding ring that I really like but the band is made of palladium. Is it safe to wear these two metals together without one damaging the other?

It will wear the softer metal OVER TIME but that could take many years. My Grandmothers wedding ring eventually wore away the band of her engagement ring but it took over 20 years to do.

Platinum and Palladium and quite good together but I would take the advice of your local friendly jeweler and have them check both rings. Sometimes the Platinum may be a lower grade in order to make it harder - so have that checked.

One of the things that works to keep relationships alive is spending quality time with each other. In this day of the information age, it is becoming increasingly difficult to carve out the necessary time to nurture our relationships. What with long work hours, helping kids with their homework, transporting them around to their extracurricular activities, getting dinner, cleaning up and going through the bedtime routine, what time is left?

Unless you orchestrate the time for your relationship, other less important things will crowd in and take what precious little time you do have. Pick a night that will be "date night" with your partner and make a game out of being as creative as you can be. Try to see how many things you can do without spending money.

Slc

To get you started, I've come up with some suggestions to help you for the next year. What follows are 52 ideas for how to spend creative time together without spending money. Feel free to add or modify any of the items on the list to suit your particular relationship and circumstances.

WINTER

1. Take a drive to look at the Christmas decorations.

2. Play cards---perhaps strip poker.

3. Watch a movie together.

4. Go outside and have a snowball fight.

5. Get some finger paints and create your own body art with each other as your canvass.

6. Go sleigh riding.

7. Go ice skating.

8. Work out or exercise together.

9. Stage your own improvisation show.

10. Sing to each other.

11. Review or create a photo album or scrapbook of your memories together.

12. Play a board game---perhaps chess, Scrabble or Twister.

13. Go to a book store, get coffee and read for hours.

SPRING

14. Work on a remodeling project together.

15. Plan and complete a yard work project together.

16. Do the spring cleaning together---room by room. When done, reward yourself by making love in the room you've cleaned.

17. Put on old clothes and mud wrestle after some drenching rain.

18. Give each other a massage.

19. Play catch---football, baseball, softball or Frisbee.

20. Go to a car dealer and test drive the car of your dreams.

21. Shoot basketball together.

22. Dance together.

23. Take a shower together and wash each other---everywhere.

24. Take a free adult education class together.

25. Go to a mall and have a contest to see which one of you can get the most free samples.

26. Go rollerblading or bike riding.

SUMMER

27. Build a campfire and roast marshmallows.

28. Go swimming or skinny dipping.

29. Give each other a manicure or pedicure.

30. Go somewhere crowded to people watch.

31. Go to a free outdoor event, perhaps a concert.

32. Lie on a blanket outside and watch the clouds or stars.

33. Go on a picnic.

34. Watch a fireworks display.

35. Be creative and engage in sexual role plays. Be anyone you'd like to be for the night who is also exciting for your partner.

36. Sit by the water somewhere.

37. Do a prolonged strip tease for each other.

38. Have a water balloon fight.

39. Sit outside and read poetry to each other.

FALL

40. Go for a drive together.

41. Go window shopping.

42. Incorporate food into your love making---chocolate syrup, whipped cream, fondue, strawberries---anything you and your partner enjoy.

43. Call or write to someone you haven't had contact with in a while.

44. Cook something together.

45. Spend an evening just talking with each other. Talk about the things you have done, plans you have for the future, important people in your lives or current events.

46. Take a bubble bath together.

47. Go to a free movie or museum.

48. Take a drive and find the potential in old houses and their properties.

49. Create an imaginary story together---either orally or in written form.

50. Take turns being each other's genie in a bottle by fulfilling your partner's every wish and fantasy.

51. Play in the fallen leaves.

52. Create an exciting scavenger hunt that ends in your bed.

Now you have 52 suggestions for things to do with your partner for every week of the year divided by season. Certainly you don't have to follow my suggestions. Feel free to add your own or to repeat your favorites as often as you'd like.

The main point is not to see how kinky you can get. The idea is to keep your relationship alive by making time together a priority. It is important that you find things to do as a couple that you can both enjoy. If you have vastly different interests then you can enter this with the spirit of taking turns and each agree to happily participate in the activity chosen by the one whose turn it is that week.

As long as you make a habit of making your relationship a priority and allocating time each week for rejuvenation of the feelings that attracted you in the first place, then you stand a good chance of staying together for the long haul.

Please don't let insidious boredom enter into your relationship through the back door. This is what frequently happens when we are busy placing other things ahead of our time for each other. You know what I mean---the job, the kids, our friend in crisis, etc. There will always be a competing interest for the time you've set aside for each other.

Other than natural disasters, threat of death or major crises, do not allow your time together to be invaded by any outside forces. Make sure to create opportunities for you to do things together without outside influence. With more than 50% of today's marriages ending in divorce, make this small investment in the longevity of your relationship. You have nothing to lose and everything to gain. What's stopping you? Start today.

One of the things that works to keep relationships alive is spending quality time with each other. In this day of the information age, it is becoming increasingly difficult to carve out the necessary time to nurture our relationships. What with long work hours, helping kids with their homework, transporting them around to their extracurricular activities, getting dinner, cleaning up and going through the bedtime routine, what time is left?

Unless you orchestrate the time for your relationship, other less important things will crowd in and take what precious little time you do have. Pick a night that will be "date night" with your partner and make a game out of being as creative as you can be. Try to see how many things you can do without spending money.

Slc

To get you started, I've come up with some suggestions to help you for the next year. What follows are 52 ideas for how to spend creative time together without spending money. Feel free to add or modify any of the items on the list to suit your particular relationship and circumstances.

WINTER

1. Take a drive to look at the Christmas decorations.

2. Play cards---perhaps strip poker.

3. Watch a movie together.

4. Go outside and have a snowball fight.

5. Get some finger paints and create your own body art with each other as your canvass.

6. Go sleigh riding.

7. Go ice skating.

8. Work out or exercise together.

9. Stage your own improvisation show.

10. Sing to each other.

11. Review or create a photo album or scrapbook of your memories together.

12. Play a board game---perhaps chess, Scrabble or Twister.

13. Go to a book store, get coffee and read for hours.

SPRING

14. Work on a remodeling project together.

15. Plan and complete a yard work project together.

16. Do the spring cleaning together---room by room. When done, reward yourself by making love in the room you've cleaned.

17. Put on old clothes and mud wrestle after some drenching rain.

18. Give each other a massage.

19. Play catch---football, baseball, softball or Frisbee.

20. Go to a car dealer and test drive the car of your dreams.

21. Shoot basketball together.

22. Dance together.

23. Take a shower together and wash each other---everywhere.

24. Take a free adult education class together.

25. Go to a mall and have a contest to see which one of you can get the most free samples.

26. Go rollerblading or bike riding.

SUMMER

27. Build a campfire and roast marshmallows.

28. Go swimming or skinny dipping.

29. Give each other a manicure or pedicure.

30. Go somewhere crowded to people watch.

31. Go to a free outdoor event, perhaps a concert.

32. Lie on a blanket outside and watch the clouds or stars.

33. Go on a picnic.

34. Watch a fireworks display.

35. Be creative and engage in sexual role plays. Be anyone you'd like to be for the night who is also exciting for your partner.

36. Sit by the water somewhere.

37. Do a prolonged strip tease for each other.

38. Have a water balloon fight.

39. Sit outside and read poetry to each other.

FALL

40. Go for a drive together.

41. Go window shopping.

42. Incorporate food into your love making---chocolate syrup, whipped cream, fondue, strawberries---anything you and your partner enjoy.

43. Call or write to someone you haven't had contact with in a while.

44. Cook something together.

45. Spend an evening just talking with each other. Talk about the things you have done, plans you have for the future, important people in your lives or current events.

46. Take a bubble bath together.

47. Go to a free movie or museum.

48. Take a drive and find the potential in old houses and their properties.

49. Create an imaginary story together---either orally or in written form.

50. Take turns being each other's genie in a bottle by fulfilling your partner's every wish and fantasy.

51. Play in the fallen leaves.

52. Create an exciting scavenger hunt that ends in your bed.

Now you have 52 suggestions for things to do with your partner for every week of the year divided by season. Certainly you don't have to follow my suggestions. Feel free to add your own or to repeat your favorites as often as you'd like.

The main point is not to see how kinky you can get. The idea is to keep your relationship alive by making time together a priority. It is important that you find things to do as a couple that you can both enjoy. If you have vastly different interests then you can enter this with the spirit of taking turns and each agree to happily participate in the activity chosen by the one whose turn it is that week.

As long as you make a habit of making your relationship a priority and allocating time each week for rejuvenation of the feelings that attracted you in the first place, then you stand a good chance of staying together for the long haul.

Please don't let insidious boredom enter into your relationship through the back door. This is what frequently happens when we are busy placing other things ahead of our time for each other. You know what I mean---the job, the kids, our friend in crisis, etc. There will always be a competing interest for the time you've set aside for each other.

Other than natural disasters, threat of death or major crises, do not allow your time together to be invaded by any outside forces. Make sure to create opportunities for you to do things together without outside influence. With more than 50% of today's marriages ending in divorce, make this small investment in the longevity of your relationship. You have nothing to lose and everything to gain. What's stopping you? Start today.

Syntek Global is a relatively new network marketing company that's headquartered out of Salt Lake City Utah (The MLM captital of the world).

It's possible that you have been approached by someone with this project Perhaps you're already a distributor.

Slc

In either case, you'll want to take a close look at the following 4 critical keys to any companies success so you can decide whether or not Syntek Global is the company for you.

1. Product Line

2. Management Team

3. Pay Plan

4. Marketing Plan

PRODUCT

Syntek Global is bringing to market a complete fuel treatment called Xtreme Fuel Treatment.

This is a product that works for both gasoline and diesel motors. It's proven to provide 3 key benefits.

Boost Fuel Economy

Extend Engine Life

Lessen Pollutants

Every time a company claims to do these things there is real cynicism and shouts of "snake oil salesman" tend to come soaring in from the bleachers.

Luckily, this product already has an extensive background.

When you look at the present state of the market with skyrocketing fuel prices and worlwide climate change scares, this product might just be what the market ordered.

MANAGEMENT TEAM

Now for the captain of the ship.

Mr. John Winterholler is the President and CEO of Syntek Global.

John brings extensive management and leadership know-how to the Syntek Global team.

Mr. Winterholler has executive management experience with prestegious corporationss like Goldman Sachs and American Express.

John is a co-creator of the Strategic Leadership Partners, a management consulting firm specially formed to assist companies in establishing and adjusting their business strategies to achieve optimal results in the areas of launching new ventures, identification of key success factors, design of business strategy, human resources and venture capital John's background also includes the introduction and roll out of new products and services.

I have actually met Mr. Winterholler and have found him to be a man of great integrity and talent.

Syntek Global has the right person at the helm.

COMPENSATION PLAN

Syntek Global pays it's business builders using what's known as a next-generation binary. "Binary" because you only build 2 legs and "next-generation" because it's actually a hybrid design that eliminates a few of the undesirable features of a conventional binary plan.

This compensation plan was modeled after a plan that has generated an unparalleled amount of wealth for many reps in the MoneVie Corporation (also a network marketing company).

In short, the plan is proven.

MARKETING PLAN

And finally the most critical aspect

Syntek does an outstanding job with developing eye-catching company literature and nice looking replicated websites.

One big downfall downside, as with all MLM companies, is the marketing methods preached by corporate headquarters Make a list of each person you're familiar with and call the names on those lists to spread the good word on Syntek.

Proficient marketers know that there are many ways to market a product/service, and some, perhaps much more effective than calling your friends and family.

In our age of worldwide connection through the internet, it's hard to imagine not teaching some of the low cost yet incredibly effective internet marketing techniques that are at your fingertips.

Most birthday parties for kids are held at the kid's home. If the party is planned right, that could be lots of fun. But there are many birthday party places for kids, and some aren't all that expensive.

For example, there are many indoor family centers that offer birthday group packages. Many have miniature golf and rides, and of course games to play. I'm frankly not crazy about these places, because there could be 10 parties going on at the same time. So if you want to have your kid's birthday party at one of these places, it's best to have it in the morning.

Slc

I think if it were my kid though, I'd rather have a party at a place where kids birthday parties are less common. That way the kids can get more attention. The exception of course is a theme park or something, where kids can be left alone to have fun.

Amusement parks are a lot of fun, especially theme parks. These amusement places with rides are great for all ages, because at the larger parks there are rides from babies to adults. In fact, these are great places for teens; you can take them all to a theme park and buy them all tickets and pick them up later.

If you'd want your kids to learn something on their birthday, you can also take them to a museum. Some museums are dusty and dull, but the ones that are best for parties are hands-on, where kids can play with the exhibits. Some museums offer special group tours for kids too.

Many places around the US are now featuring children's museums. These places would be great for a birthday party. Some have special theme parties they can host, which include admission to the museum.

Not only museums, but aquariums, planetariums (kids love those), zoos, arboretums, even forest preserves often plan parties for birthdays. Most of these places have special shows too, like playing with dolphins or feeding the sharks.

Water parks are a another good place to spend a happy birthday. The only problem is that, unless they are indoors, they are seasonal. But water parks are lots of fun, offer numerous rides, and are generally inexpensive and clean!

Bowling alleys can be good inexpensive fun too. Generally they are not the best party places for kids under 9 though, but again many alleys offer packages for birthday parties.

One great place to spend a happy birthday is on a boat ride. They have those large boats around here that serve lunch and go on sightseeing tours. They always organize food and games for kids. And the adults don't have to worry about the kids running off, because where are they gonna go? Once again
though, unless you live in a warm state, boat rides are seasonal.

So I hope this gave you some different ideas on places to have birthday parties. Wherever you plan them, the important thing is for the kids to have fun and not be bored. Good luck!

This is just a sample Business Analyst resume for freshers as well as for experienced job seekers in Finance domain of business analyst or system analyst. While this is only a sample resume, please use this only for reference purpose, do not copy the same client names or job duties for your own purpose. Always make your own resume with genuine experience.

Name: Justin Megha

Slc

Ph no: XXXXXXX

your email here.

Business Analyst, Business Systems Analyst

SUMMARY

Accomplished in Business Analysis, System Analysis, Quality Analysis and Project Management with extensive experience in business products, operations and Information Technology on the capital markets space specializing in Finance such as Trading, Fixed Income, Equities, Bonds, Derivatives(Swaps, Options, etc) and Mortgage with sound knowledge of broad range of financial instruments. Over 11+ Years of proven track record as value-adding, delivery-loaded project hardened professional with hands-on expertise spanning in System Analysis, Architecting Financial applications, Data warehousing, Data Migrations, Data Processing, ERP applications, SOX Implementation and Process Compliance Projects. Accomplishments in analysis of large-scale business systems, Project Charters, Business Requirement Documents, Business Overview Documents, Authoring Narrative Use Cases, Functional Specifications, and Technical Specifications, data warehousing, reporting and testing plans. Expertise in creating UML based Modelling views like Activity/ Use Case/Data Flow/Business Flow /Navigational Flow/Wire Frame diagrams using Rational Products & MS Visio. Proficient as long time liaison between business and technology with competence in Full Life Cycle of System (SLC) development with Waterfall, Agile, RUP methodology, IT Auditing and SOX Concepts as well as broad cross-functional experiences leveraging multiple frameworks. Extensively worked with the On-site and Off-shore Quality Assurance Groups by assisting the QA team to perform Black Box /GUI testing/ Functionality /Regression /System /Unit/Stress /Performance/ UAT's. Facilitated change management across entire process from project conceptualization to testing through project delivery, Software Development & Implementation Management in diverse business & technical environments, with demonstrated leadership abilities.

EDUCATION

Post Graduate Diploma (in Business Administration), USA Master's Degree (in Computer Applications), Bachelor's Degree (in Commerce),

TECHNICAL SKILLS

Documentation Tools UML, MS Office (Word, Excel, Power Point, Project), MS Visio, Erwin

SDLC Methodologies Waterfall, Iterative, Rational Unified Process (RUP), Spiral, Agile

Modeling Tools UML, MS Visio, Erwin, Power Designer, Metastrom Provision

Reporting Tools Business Objects X IR2, Crystal Reports, MS Office Suite

QA Tools Quality Center, Test Director, Win Runner, Load Runner, QTP, Rational Requisite Pro, Bugzilla, Clear Quest

Languages Java, VB, SQL, HTML, XML, UML, ASP, JSP

Databases & OS MS SQL Server, Oracle 10g, DB2, MS Access on Windows XP / 2000, Unix

Version Control Rational Clear Case, Visual Source Safe

PROFESSIONAL EXPERIENCE

SERVICE MASTER, Memphis, TN June 08 - Till Date

Senior Business Analyst

Terminix has approximately 800 customer service agents that reside in our branches in addition to approximately 150 agents in a centralized call center in Memphis, TN. Terminix customer service agents receive approximately 25 million calls from customers each year. Many of these customer's questions are not answered or their problems are not resolved on the first call. Currently these agents use an AS/400 based custom developed system called Mission to answer customer inquiries into branches and the Customer Communication Center. Mission - Terminix's operation system - provides functionality for sales, field service (routing & scheduling, work order management), accounts receivable, and payroll. This system is designed modularly and is difficult to navigate for customer service agents needing to assist the customer quickly and knowledgeably. The amount of effort and time needed to train a customer service representative using the Mission system is high. This combined with low agent and customer retention is costly.

Customer Service Console enables Customer Service Associates to provide consistent, enhanced service experience, support to the Customers across the Organization. CSC is aimed at providing easy navigation, easy learning process, reduced call time and first call resolution.

Responsibilities
Assisted in creating Project Plan, Road Map. Designed Requirements Planning and Management document. Performed Enterprise Analysis and actively participated in buying Tool Licenses. Identified subject-matter experts and drove the requirements gathering process through approval of the documents that convey their needs to management, developers, and quality assurance team. Performed technical project consultation, initiation, collection and documentation of client business and functional requirements, solution alternatives, functional design, testing and implementation support. Requirements Elicitation, Analysis, Communication, and Validation according to Six Sigma Standards. Captured Business Process Flows and Reengineered Process to achieve maximum outputs. Captured As-Is Process, designed TO-BE Process and performed Gap Analysis Developed and updated functional use cases and conducted business process modeling (PROVISION) to explain business requirements to development and QA teams. Created Business Requirements Documents, Functional and Software Requirements Specification Documents. Performed Requirements Elicitation through Use Cases, one to one meetings, Affinity Exercises, SIPOC's. Gathered and documented Use Cases, Business Rules, created and maintained Requirements/Test Traceability Matrices.

Client: The Dun & Bradstreet Corporation, Parsippany, NJ May' 2007 - Oct' 2007

Profile: Sr. Financial Business Analyst/ Systems Analyst.

Project Profile (1): D&B is the world's leading source of commercial information and insight on businesses. The Point of Arrival Project and the Data Maintenance (DM) Project are the future applications of the company that the company would transit into, providing an effective method & efficient report generation system for D&B's clients to be able purchase reports about companies they are trying to do business.

Project Profile (2): The overall purpose of this project was building a Self Awareness System(SAS) for the business community for buying SAS products and a Payment system was built for SAS. The system would provide certain combination of products (reports) for Self Monitoring report as a foundation for managing a company's credit.

Responsibilities:
Conducted GAP Analysis and documented the current state and future state, after understanding the Vision from the Business Group and the Technology Group. Conducted interviews with Process Owners, Administrators and Functional Heads to gather audit-related information and facilitated meetings to explain the impacts and effects of SOX compliance. Played an active and lead role in gathering, analyzing and documenting the Business Requirements, the business rules and Technical Requirements from the Business Group and the Technological Group. Co - Authored and prepared Graphical depictions of Narrative Use Cases, created UML Models such as Use Case Diagrams, Activity Diagrams and Flow Diagrams using MS Visio throughout the Agile methodology Documented the Business Requirement Document to get a better understanding of client's business processes of both the projects using the Agile methodology. Facilitating JRP and JAD sessions, brain storming sessions with the Business Group and the Technology Group. Documented the Requirement traceability matrix (RTM) and conducted UML Modelling such as creating Activity Diagrams, Flow Diagrams using MS Visio. Analysed test data to detect significant findings and recommended corrective measures Co-Managed the Change Control process for the entire project as a whole by facilitating group meetings, one-on-one interview sessions and email correspondence with work stream owners to discuss the impact of Change Request on the project. Worked with the Project Lead in setting realistic project expectations and in evaluating the impact of changes on the organization and plans accordingly and conducted project related presentations. Co-oordinated with the off shore QA Team members to explain and develop the Test Plans, Test cases, Test and Evaluation strategy and methods for unit testing, functional testing and usability testing

Environment: Windows XP/2000, SOX, Sharepoint, SQL, MS Visio, Oracle, MS Office Suite, Mercury ITG, Mercury Quality Center, XML, XHTML, Java, J2EE.

GATEWAY COMPUTERS, Irvine, CA, Jan 06 - Mar 07

Business Analyst

At Gateway, a Leading Computer, Laptop and Accessory Manufacturer, was involved in two projects,

Order Capture Application: Objective of this Project is to Develop Various Mediums of Sales with a Centralized Catalog. This project involves wide exposure towards Requirement Analysis, Creating, Executing and Maintaining of Test plans and Test Cases. Mentored and trained staff about Tech Guide & Company Standards; Gateway reporting system: was developed with Business Objects running against Oracle data warehouse with Sales, Inventory, and HR Data Marts. This DW serves the different needs of Sales Personnel and Management. Involved in the development of it utilized Full Client reports and Web Intelligence to deliver analytics to the Contract Administration group and Pricing groups. Reporting data mart included Wholesaler Sales, Contract Sales and Rebates data.

Responsibilities:
Product Manager for Enterprise Level Order Entry Systems - Phone, B2B, Gateway.com and Cataloging System. Modeled the Sales Order Entry process to eliminate bottleneck process steps using ERWIN. Adhered and practiced RUP for implementing software development life cycle. Gathered Requirements from different sources like Stakeholders, Documentation, Corporate Goals, Existing Systems, and Subject Matter Experts by conducting Workshops, Interviews, Use Cases, Prototypes, Reading Documents, Market Analysis, Observations Created Functional Requirement Specification documents - which include UMLUse case diagrams, Scenarios, activity, work Flow diagrams and data mapping. Process and Data modeling with MS VISIO. Worked with Technical Team to create Business Services (Web Services) that Application could leverage using SOA, to create System Architecture and CDM for common order platform. Designed Payment Authorization (Credit Card, Net Terms, and Pay Pal) for the transaction/order entry systems. Implemented A/B Testing, Customer Feedback Functionality to Gateway.com Worked with the DW, ETL teams to create Order entry systems Business Objects reports. (Full Client, Web I) Worked in a cross functional team of Business, Architects and Developers to implement new features. Program Managed Enterprise Order Entry Systems - Development and Deployment Schedule. Developed and maintained User Manuals, Application Documentation Manual, on Share Point tool. Created Test Plansand Test Strategies to define the Objective and Approach of testing. Used Quality Center to track and report system defects and bug fixes. Written modification requests for the bugs in the application and helped developers to track and resolve the problems. Developed and Executed Manual, Automated Functional, GUI, Regression, UAT Test cases using QTP. Gathered, documented and executed Requirements-based, Business process (workflow/user scenario), Data driven test cases for User Acceptance Testing. Created Test Matrix, Used Quality Center for Test Management, track & report system defects and bug fixes. Performed Load, stress Testing's & Analyzed Performance, Response Times. Designed approach, developed visual scripts in order to test client & server side performance under various conditions to identify bottlenecks. Created / developed SQL Queries (TOAD) with several parameters for Backend/DB testing Conducted meetings for project status, issue identification, and parent task review, Progress Reporting.

AMC MORTGAGE SERVICES, CA, USA Oct 04 - Dec 05

Business Analyst

The primary objective of this project is to replace the existing Internal Facing Client / Server Applications with a Web enabled Application System, which can be used across all the Business Channels. This project involves wide exposure towards Requirement Analysis, Creating, Executing and Maintaining of Test plans and Test Cases. Demands understanding and testing of Data Warehouse and Data Marts, thorough knowledge of ETL and Reporting, Enhancement of the Legacy System covered all of the business requirements related to Valuations from maintaining the panel of appraisers to ordering, receiving, and reviewing the valuations.

Responsibilities:
Gathered Analyzed, Validated, and Managed and documented the stated Requirements. Interacted with users for verifying requirements, managing change control process, updating existing documentation. Created Functional Requirement Specification documents - that include UML Use case diagrams, scenarios, activity diagrams and data mapping. Provided End User Consulting on Functionality and Business Process. Acted as a client liaison to review priorities and manage the overall client queue. Provided consultation services to clients, technicians and internal departments on basic to intricate functions of the applications. Identified business directions & objectives that may influence the required data and application architectures. Defined, prioritized business requirements, Determine which business subject areas provide the most needed information; prioritize and sequence implementation projects accordingly. Provide relevant test scenarios for the testing team. Work with test team to develop system integration test scripts and ensure the testing results correspond to the business expectations. Used Test Director, QTP, Load Runner for Test management, Functional, GUI, Performance, Stress Testing Perform Data Validation, Data Integration and Backend/DB testing using SQL Queries manually. Created Test input requirements and prepared the test data for data driven testing. Mentored, trained staff about Tech Guide & Company Standards. Set-up and Coordinate Onsite offshore teams, Conduct Knowledge Transfer sessions to the offshore team.

Lloyds Bank, UK Aug 03 - Sept 04
Business Analyst
Lloyds TSB is leader in Business, Personal and Corporate Banking. Noted financial provider for millions of customers with the financial resources to meet and manage their credit needs and to achieve their financial goals. The Project involves an applicant Information System, Loan Appraisal and Loan Sanction, Legal, Disbursements, Accounts, MIS and Report Modules of a Housing Finance System and Enhancements for their Internet Banking.

Responsibilities:
Translated stakeholder requirements into various documentation deliverables such as functional specifications, use cases, workflow / process diagrams, data flow / data model diagrams. Produced functional specifications and led weekly meetings with developers and business units to discuss outstanding technical issues and deadlines that had to be met. Coordinated project activities between clients and internal groups and information technology, including project portfolio management and project pipeline planning. Provided functional expertise to developers during the technical design and construction phases of the project. Documented and analyzed business workflows and processes. Present the studies to the client for approval Participated in Universe development - planning, designing, Building, distribution, and maintenance phases. Designed and developed Universes by defining Joins, Cardinalities between the tables. Created UML use case, activity diagrams for the interaction between report analyst and the reporting systems. Successfully implemented BPR and achieved improved Performance, Reduced Time and Cost. Developed test plans and scripts; performed client testing for routine to complex processes to ensure proper system functioning. Worked closely with UAT Testers and End Users during system validation, User Acceptance Testing to expose functionality/business logic problems that unit testing and system testing have missed out. Participated in Integration, System, Regression, Performance, and UAT - Using TD, WR, Load Runner Participated in defect review meetings with the team members. Worked closely with the project manager to record, track, prioritize and close bugs. Used CVS to maintain versions between various stages of SDLC.

Client: A.G. Edwards, St. Louis, MO May' 2005 - Feb' 2006

Profile: Sr. Business Analyst/System Analyst

Project Profile: A.G. Edwards is a full service Trading based brokerage firm in Internet-based futures, options and forex brokerage. This site allows Users (Financial Representative) to trade online. The main features of this site were: Users can open new account online to trade equitiies, bonds, derivatives and forex with the Trading system using DTCC's applications as a Clearing House agent. The user will get real-time streaming quotes for the currency pairs they selected, their current position in the forex market, summary of work orders, payments and current money balances, P & L Accounts and available trading power, all continuously updating in real time via live quotes. The site also facilitates users to Place, Change and Cancel an Entry Order, Placing a Market Order, Place/Modify/Delete/Close a Stop Loss Limit on an Open Position.

Responsibilities:
Gathered Business requirements pertaining to Trading, equities and Fixed Incomes like bonds, converted the same into functional requirements by implementing the RUP methodology and authored the same in Business Requirement Document (BRD). Designed and developed all Narrative Use Cases and conducted UML modeling like created Use Case Diagrams, Process Flow Diagrams and Activity Diagrams using MS Visio. Implemented the entire Rational Unified Process (RUP) methodology of application development with its various workflows, artifacts and activities. Developed business process models in RUP to document existing and future business processes. Established a business Analysis methodology around the Rational Unified Process. Analyzed user requirements, attended Change Request meetings to document changes and implemented procedures to test changes. Assisted in developing project timelines/deliverables/strategies for effective project management. Evaluated existing practices of storing and handling important financial data for compliance. Involved in developing the test strategy and assisted in developed Test scenarios, test conditions and test cases Partnered with the technical areas in the research, resolution of system and User Acceptance Testing (UAT).

Environment: Windows XP/2000/NT, SOX, MS Office Suite, SQL, MS SQL Server, XML, HTML, Java, J2EE, JSP, Oracle, WinRunner, Test Director

Beauty is very important to every woman. To enhance your beauty, all you need is the beauty supplies. It is very important that every woman must have their own beauty supply. Using beauty supplies is also one way of grooming your self. It is very important to always look good in the eyes of every people. Nowadays, there are so many beauty supplies that are available in market one of the beauty supplies that are very available in the market is the cosmoprof beauty supply.

The cosmoprof beauty supply is the right brand for you. You can see their products in any department stores or through online. The cosmoprof is known to be devoted to a partnership providing the biggest and trusted brands in the business that has lots of professional services. They offered "professional only" salon supply distribution. The cosmoprof also have professional sales consultants, convenient location of store, highly developed education, and a wide variety of salon supplies that has leasing option in order to expand and develop every ones business.

Slc

The company does not offer online transaction. So, if you want to order some of their products, all you have to do is to call in their store and they will freely deliver your order right in your door or ask the sales consultant to contact you. You can also register for CosmoProf® PROCLUB(TM) in their nearest store. It's for free and very easy to do. And they must confirm you as a licensed professional.

To be a salon account customer, you must meet three qualifications:

See the store listings if you want to set-up an account in the store and if you want through Customer service, you can call 1-800-544-9227.

If you want the Sales Consultant call in your salon, call 1-800-544-9227. There are some questions to be asked by the Customer Service Representative and ascertain your specific needs. Then the representative will inform you if there is an available Sales Consultant in your region and will call the consultant with the essential details.

These are just some of the important facts about the cosmoprof beauty supply and the ways to be an account customer. The products of cosmoprof are known to be durable and reasonably priced. You can certainly get the right supply in your salon in cosmoprof. You will be assured that you will get lots of benefit from their products.

Has married women looking for married men become the new social rage? Many women feel neglected in their marriage. The emptiness of being with a spouse who has turned cold and indifferent is a recipe for sheer misery.

Likewise, many married men looking for women are in the same boat. Sometimes, we see a nagging wife who is very critical of her husband's goals in life. The nagging brow beater will totally drain the love out of a marriage and suck the life from their partner.

Slc

However, criticism and coldness may not be the only cause if one is married looking for an affair. Sometimes the activity of married women looking for married men is the result of plain boredom and sexual dissatisfaction. In other cases, we often see and hear about a wife who has 'cut off' her husband's sexual needs. Female frigidity cuts the most vital connection of a healthy marriage. A man in such a position feels that something else has been 'cut off' too! (sorry, I couldn't resist the pun) In response, we see married men seeking women to discreetly fill the need.

Let's be frank. In most cases, physically healthy married women looking for married men need sex. They need a good emotional outlet too; a chance to feel the excitement of flirtation. If we are spiritually, mentally and physically healthy, then we have a normal desire for strong compatibility, emotional nurturing and good sex.

Men looking for women in this state can be a perfect alternative.

Why would married women looking for married men become such a new social phenomena? As we've all heard, there's "too many fish in the sea". Single young men and ladies abound. However, there's a problem with that.

The reason many married-looking-for-an-affair individuals seek other married individuals is the ability to create a discreet relationship based on mutual silence. There's a 'no strings attached' code that locks such an arrangement.

A divorce could cause the destruction of the family unit, relationships with children and financial stability.

Healthy married men looking for women do not want to pay half their salary to alimony or give the house away. Married women do not want to destroy the relationship with their children or their home.

In fact, in many cases they love their spouse! It is certain compatibility factors and the sexual fulfillment that they cannot get straight after, perhaps many years of trying.

People who are married looking for an affair may be doing so after many years of expensive professional counseling to no avail. Their spouse just does not want to "get with the program".

What is one to do after they give 100% and their partner is giving about 15 on their best day? Have you ever been in such a predicament?

There is an alternative. There is something to do when all else has failed.

There is someplace to go when you need to break the monotony and get relief without the danger of blowing up your life.

Most apartment complexes now conduct criminal background checks and this is in order to avoid discriminatory accusations of biased renting and also to protect their investments. Apartments also want to ensure that they keep their reputation as a safe neighborhood so existing tenants can renew their leases. All these factors weigh heavily into why apartments screen their prospective tenants. Another reason why apartments feel compelled to conduct criminal background checks is because they do not want their apartment to be a regular source of police activity and thereby drive rent prices down.

So if you have a criminal record, what are the tactics you can employ? There are a few tactics you can employ but one of the most effective is to get someone who is esteemed in society to vouch for your character. You can achieve this by getting someone like a pastor who knows you to write a letter to the apartment and state that he or she knows you and that you are a reformed person and an outstanding model citizen. To augment the letter, you can also write your own that also explains your side of the story.

Apartment Guide Slc

One other thing you can include in your letters is the any membership to any community volunteer services. These can be extremely helpful and can sway the apartment manager into granting you an approval.

Apartment managers are also employees who also have bosses and upper management monitoring their actions. Sometimes the apartment manager does not have the freedom to grant you an approval and he or she may have to go to his or her manager. In our experience, if you present yourself convincingly, you may be granted an approval.

Renting an apartment with a criminal record can be a frustrating ordeal especially if you do not know where to start. You may end up with numerous denials which can really wreak havoc on your self-esteem. One thing to remember is not to give up and to think strategically because there is a solution no matter how bleak the situation.

You can also seek more advanced publications which can give you more tips on how to get past an apartment criminal background check.

Los Montesinos is a charming Spanish town packed with character & tradition. Los Montesinos is one of the Vega Baja villages of the Southern Costa Blanca, Spain. It is located in the Alicante province within the Comunidad de Valencia,

A short drive away from Torrevieja where you can find many bars and restaurants and a buzzing nightlife, it is easily accessed from the AP7 motorway or the main dual carriageway, the CV-905. It is approximately a 20 minute drive from Murcia Airport and a 35 minute drive from Alicante airport which makes this a very popular destination on the Costa Blanca. The 'Blue Flag' beaches of Guardamar del Segura are only a 10 minute drive.
Los Montesinos has a calm and tranquil feel about. It sits on the edge of the beautiful salt lake which creates a microclimate that makes it one of the healthiest places in the world to live according to the World Health Organisation. It is surrounded by orange and lemon groves and in the springtime you can smell the gorgeous scent of the orange and lemon blossom and notice the many almond trees with their pinky-lilac blossom.

Apartments Slc

Los Montesinos was named after the noble family that governed the town and lands surrounding the village in past times. Further back in history, it has Roman origins including the main road in the direction of Jacarilla, Bigastro & Orihuela. Known as the Via Augusta, it was the most important road in Spain during the Roman occupation.

The village's main economy has mainly been agriculture, however in more recent times the industrial district has grown with many Spanish & British businesses offering a variety of services and industries.

There are two schools in Los Montesinos, the primary school is Virgen del Pilar and the secondary school is Los Montesinos les Antonio Sequeras. Both are very reputable, sought after schools.

Los Montesinos is a great place for retirement as the weather in this area is mostly dry and sunny all year round with hot summers and mild winters which is great for people suffering from arthritis, rheumatism and asthma.

Despite it's growth, the town has retained it's typical Spanish feel and has a very friendly community of Spanish and English. All essential facilities and amenities are within easy walking distance, from fresh food shops, supermarkets, 30+ bars, restaurants & tapas bars, schools, a music academy, medical centre, municipal sports centre, parks, and a whole host of other shops & facilities.

It is great to be in a friendly place where you can forget about the car and stroll to everything you need.

The town has numerous fiestas throughout the year, as do all of the local towns,
Although here the main fiesta is in October and lasts for a whole (Hectic) week.

The hamlet of La Marquesa is found just outside the town, and every September there is a fiesta in honour of the Virgin of Rosario.

The fiesta is open to everyone beginning at 11am and goes on into the evening. It is so nice to be able to spend the day in a real Spanish environment. Usually there are a few British people there for part of the day but mostly Spanish families enjoying their picnic style lunch. There is also huge, delicious paella free to all and is absolutely delicious. Some of the locals wear their National Costume, also horse riders trotting their beautiful horses around the grounds in readiness for the procession where they follow the statue of the Virgin through the fields behind the much photographed old church of La Marquesa.

There is a bar and a barbecue however most people take their cool boxes with their own food and drink, grab a seat at one of the tables and settle themselves down for the rest of the day while listening to the DJ playing a selection of music during the afternoon and the live band in the evening. It is such fun to dance with the local people and try to converse with them in our poor Spanish.

You will find that your Spanish becomes much better after the 1st few glasses of rioja, and fabulous when you are on the 2nd bottle!!
Welcome to the 'REAL' Spain!!

No credit check apartments seem like a dream to some people who have spent days on end searching for a place to rent, only to be turned down once the landlord checks out their credit rating. It's easy to get discouraged when looking for an apartment when this keeps happening to you, but take heart. There are ways to rent an apartment without having your credit be the only determining factor in the landlord or owner's decision.

There Is A Way

Apartments Slc

When you even think you might be interested in moving, get a copy of your credit report so you can see exactly what you are up against. If you spot any errors, take the steps needed to have them erased from your file, if possible. Once you have cleaned up your credit report as best you can, it is a good idea to prepare an open letter explaining the circumstances that caused you to have poor credit. This can be given to any of your potential landlords when you began to seriously hunt for a new place to live.

Landlords and leasing agents are people, too. You will surely be able to find several who can understand how you might have had a difficult period in life which negatively affected your credit. Most of them will be impressed with you because you took the time to try to patch up your credit and develop a plan of action before looking for an apartment. Your letter of explanation will be well received, too.

Basically, a landlord or property owner is interested in whether or not you are going to be able to pay the rent each month. They would also prefer that you did not own a 150 pound dog and throw loud parties every weekend, but let's face it... they are in the rental business for the money they can make. It's a good idea to have ready any sort of proof of your income you can come up with, as evidence that you will have no trouble paying the rent on time.

You can also get a letter of recommendation from your present landlord stating that your rent was always paid on time and in full each month to further plead your case. It wouldn't hurt if your landlord or property manager also mentioned that you took good care of his property while you were renting from him.

If all else fails, you can usually make points with the landlord if you offer to pay a few month's rent in advance. Also, make sure you are dressed appropriately when you go to look at the apartment. If you look neat and sincere, chances are you will walk out with the lease to your new apartment in hand. There really is such a thing as no credit check apartments, and one can be yours if you take the time to plan your approach so that you appear in a favorable light.

Good Homes Under ,000?

My wife Ana and I found cheap homes for sale all over the country during a seven-week drive, and we even bought one along the way. It was in a pretty little town in the mountains of western Montana, and it cost us ,500. We spent almost 00 to fix it up the way we liked it, and lived there for several months before selling it for ,000. You can see a photo of our little pink house on the homepage of our site www.HousesUnderFiftyThousand.com. This was not a fluke. There are still great towns where you can find cheap homes for sale.

Apartments Slc

Cheap Homes, Nice Towns: An Example

In Anaconda, Montana you can fly fish, go to a movie for three dollars in a beautiful old art-deco theatre (the 5th most beautiful theater in the country, according to the Smithsonian), drop some nickles in a slot machine (a dozen casinos), eat at a fine restaurant, stop by the bar for a dollar beer, and buy a house for sale under ,000 - all within a four block area! There are good schools and churches, a library with fast internet service, and wildlife (including bears) a few hundred yards from downtown.

Why Are There Cheap Homes For Sale?

The reason there are so many cheap homes for sale in Butte and Anaconda, is that there aren't many good jobs left. I personally found jobs in Anaconda easily-but not good ones. People left the area in the 80's especially, after the mines and smelters closed. This exodus has left one-in-seven "housing units" in Anaconda vacant, according to the U.S. census. This has driven down the prices of homes dramatically. Since both towns still have all the basic ammenities, are cleaner now, and are slowly recovering, they are great places to retire to or to move to if you have an internet or other non-location-based business.

The economic situation is the primary reason that you can buy a cheap house in many parts of the country. These are towns that have seen troubled times, but are often recovering, and with good reasons. Anaconda, an example we know well, now has a ski resort,a Jack Nicholas golf course, and beautiful mountain scenery. The houses cost four times as much if you go an hour in any direction, and those higher prices are bound to reach Anaconda eventually.

Cheap Houses You Don't Want To Buy

On the other hand, there are towns like the one in South Dakota where we stopped for lunch. The bulletin board had ads for cheap homes for sale, placed there by desperate home-sellers trying not to be the last to leave town. There was a photo of a beautiful old five-bedroom farmhouse for ,000. We looked up the deserted street as we ate, and noticed that most of the buildings were boarded-up. This was a town that was clearly dying, and didn't have anything to help revive it. Inexpensive homes are easy to find here, but I wouldn't take one for free.

Cheap Homes For Sale In Paradise

Maybe paradise is too much to expect, but there are many wonderful towns, from Florida to Oregon, where there are cheap homes for sale. So what does a town need in addition to inexpensive houses in order to make our list? Well, the criteria are certainly subjective, but include at least the following:

1. Population between 4,000 and 80,000.

2. A good library.

3. A good grocery store.

4. A movie theatre.

5. Cheap houses: at least six for sale under ,000.

6. The town "feels" good.

When we researched and built our website, we broke the towns up into two pages. One is for the towns with houses for sale for less than ,000. The other is for the towns with really cheap homes for sale - under ,000! Yes, they are still out there. Using a phone and the internet, searching for your affordable dream home is easier than ever. Good Luck!