Credit Unions Have Successful Year Thanks To Occupy
The Occupy Wall St. movement is about about many things, the haves and the have nots and the disparity between the two. It's also about personal action be it sitting in a park for a few months to tell multi national corporations you won't stand for it any more. Or shutting down the west coast ports of the United States to stop commerce.
Credit Unions
One of the things that Occupy did though was it adopted someones simple idea of a bank transfer day because let's face it occupy doesn't like big banks and they thrive on money so you deprive them of what they thrive on. So the date was set. November 05, 2011 and the Facebook page set up for bank transfer day got over 61,000 likes can you imagine that. So to turn those likes into action though is a tall order. But get action they did. CUNA the organization of Credit Unions reports that over 700,000 new members joined their member credit unions leading up to bank transfer day can you believe that number. So I think credit unions will have a very good year indeed they just have to capitalize on this opportunity that has been given to them by this black swan event. Treat these new customers right and give them good service and they will sing your praises to all of their Friends. If each of these new customers brings you one new customer from another bank you will be set.
So in my perception this is the biggest thing that Occupy Wall St. has accomplished and it seems like it was very simple, what else that's very simple that people could get behind could they accomplish if they set their minds and agenda to it.?
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Monday, December 19, 2011
Bank of America, Wells Fargo Stramline Refinance mortgage rates
Bank of America Wells Fargo Streamline Refinance
I have never seen lower mortgage rates than these. Who knows they may keep going down or they may pop up a little but either way they are still a good deal. If you have a mortgage through Bank of America or Wells Fargo then you should call them to try to do a streamline refinance deal. First before calling other mortgage companies. Why? well, when you go through your current lender in my case Wells Fargo they all ready know you and your accounts, they just sent me the package of paperwork in the mail and I filled it out and had it notarized and mailed it back to them. Total cost to me $10.00 for the Notary. Pretty great deal for a mortgage I couldn't believe it myself. So if you have a current mortgage through Wells Fargo or Bank of America and you are thinking of refinancing call them first and ask about a streamline refinance.
Mortgage Rates
Mortgage rates today are around 3.8% for a 30 year fixed rate loan and about 3.6% for a 15 year fixed rate loan. Those are fabulous rates for anyone out there. The question is should you refinance and can you refinance you home loan? Okay first of all should you? Well if you have a home loan that is more than one percent higher then the rates above then it might be a good idea for you to refinance. This will put more money in your pocket every month. However remember that you will be going back to a 30 year loan if that's what you choose. So if you only have 23 years left on your mortgage that might not be very palatable to you. Unless however you know that you are going to move in say five to seven years or so. Another option for you and this is one I really recommend is going to the 15 year fixed loan. For a couple of reasons. You get a lower interest rate right off the bat. But my main reason is that more of the money I pay in my mortgage goes straight to principal pay down in the 15 year loan than in the 30 year loan.
So for instance if I got a 30 year fixed 4% loan for 200,000 dollars my payment would be $954.83. Not bad, each month of that payment 294.83 of that payment would go to principal. At the end of the year I would have paid down my loan to $196,397.11. However if I would have gotten a 15 year fixed rate mortgage at say 3.8% for the same 200,000 dollars my payment would be $1459.00. That is quite a bit larger of a payment about $400.00 exactly but every month I have this loan I pay $819.41 in principal on my loan, now your thinking that's not such a bad deal right. At the end of the first year I still owe 189,992.18. Quite difference over the 30 year loan.
What if you owe more on your house than it's worth? that is the eternal question nowadays right. Well some people are doing what is called a cash in refinance.
What Is A Cash In Refinance
A cash in refinance is simply where you refinance your loan and remember the old days where people took cash out of their homes at refinancing well a cash in refinance is simply the opposite of that. It's bringing cash to the table when you refinance. So not only are you refinancing but bringing say 10 or 20 thousand dollars to pay down some of your outstanding mortgage. What do you get out of that. Lower payments and a few months closer to a paid off house.
I have never seen lower mortgage rates than these. Who knows they may keep going down or they may pop up a little but either way they are still a good deal. If you have a mortgage through Bank of America or Wells Fargo then you should call them to try to do a streamline refinance deal. First before calling other mortgage companies. Why? well, when you go through your current lender in my case Wells Fargo they all ready know you and your accounts, they just sent me the package of paperwork in the mail and I filled it out and had it notarized and mailed it back to them. Total cost to me $10.00 for the Notary. Pretty great deal for a mortgage I couldn't believe it myself. So if you have a current mortgage through Wells Fargo or Bank of America and you are thinking of refinancing call them first and ask about a streamline refinance.
Mortgage Rates
Mortgage rates today are around 3.8% for a 30 year fixed rate loan and about 3.6% for a 15 year fixed rate loan. Those are fabulous rates for anyone out there. The question is should you refinance and can you refinance you home loan? Okay first of all should you? Well if you have a home loan that is more than one percent higher then the rates above then it might be a good idea for you to refinance. This will put more money in your pocket every month. However remember that you will be going back to a 30 year loan if that's what you choose. So if you only have 23 years left on your mortgage that might not be very palatable to you. Unless however you know that you are going to move in say five to seven years or so. Another option for you and this is one I really recommend is going to the 15 year fixed loan. For a couple of reasons. You get a lower interest rate right off the bat. But my main reason is that more of the money I pay in my mortgage goes straight to principal pay down in the 15 year loan than in the 30 year loan.
So for instance if I got a 30 year fixed 4% loan for 200,000 dollars my payment would be $954.83. Not bad, each month of that payment 294.83 of that payment would go to principal. At the end of the year I would have paid down my loan to $196,397.11. However if I would have gotten a 15 year fixed rate mortgage at say 3.8% for the same 200,000 dollars my payment would be $1459.00. That is quite a bit larger of a payment about $400.00 exactly but every month I have this loan I pay $819.41 in principal on my loan, now your thinking that's not such a bad deal right. At the end of the first year I still owe 189,992.18. Quite difference over the 30 year loan.
What if you owe more on your house than it's worth? that is the eternal question nowadays right. Well some people are doing what is called a cash in refinance.
What Is A Cash In Refinance
A cash in refinance is simply where you refinance your loan and remember the old days where people took cash out of their homes at refinancing well a cash in refinance is simply the opposite of that. It's bringing cash to the table when you refinance. So not only are you refinancing but bringing say 10 or 20 thousand dollars to pay down some of your outstanding mortgage. What do you get out of that. Lower payments and a few months closer to a paid off house.
Saturday, December 10, 2011
Veena Malik Scandal
Venna Malik the Indian star who is caught in the scandal involving FHM magazine India and India and Pakistan's governments and social customs has even been disowned by her father. The scandal ensued when Veena posed for FHM Magazine India for what was supposed to be a normal cover photo shoot. However after the fact the India version of FHM magazine has on the cover a photo of Veena nude covering her breasts with her arms. Veena says the picture has been doctored and that that is not the picture she agreed to and she didn't take any nude photos. However she said she would consider doing a nude photo shoot in the future. See the picture to the right. There is another cover shot showing the same picture with Venna wearing green shorts. That was the picture that was supposed to appear on the magazine. Veena is suing FHM magazine for the photo coming out. There is also the letters ISI on her bicep which caused a political stir in Pakistan since ISI is the initials of the Pakistani Intelligence Agency much like our CIA.
If this was an American or any western country actress this almost would be a non story. Since these are the types of things actresses have done for decades to get publicity. However not Indian or Pakistani actresses. The societal rules in their respective countries do not allow for being nude in public and there are punishments that go along with that. A Pakistani High Court rejected a lawyers petition to file charges against for defamation obscene acts and not wearing clothes. The court rejected the charges since it didn't happen in Pakistan. That is how serious this can be for an Indian or Pakistani actress. Not to mention the fact that I'm sure if an American girl did the same thing her father might be disappointed or not but I'm pretty sure he wouldn't disown her for bringing shame on their country.
Women of Pakistan and India have a long way to go and maybe this is the crack that starts it all.
If this was an American or any western country actress this almost would be a non story. Since these are the types of things actresses have done for decades to get publicity. However not Indian or Pakistani actresses. The societal rules in their respective countries do not allow for being nude in public and there are punishments that go along with that. A Pakistani High Court rejected a lawyers petition to file charges against for defamation obscene acts and not wearing clothes. The court rejected the charges since it didn't happen in Pakistan. That is how serious this can be for an Indian or Pakistani actress. Not to mention the fact that I'm sure if an American girl did the same thing her father might be disappointed or not but I'm pretty sure he wouldn't disown her for bringing shame on their country.
Women of Pakistan and India have a long way to go and maybe this is the crack that starts it all.
Scarlett Johansson Hacked
Scarlett Johansson pictures hacked from her cell phone that is the headline of the day. Now it's not exactly big news that a beautifull celebrity will have her phone hacked and some NSFW Photos can be discovered and sent all over the Internet. When you search on www.Google.com for Scarlett Johansson pictures hacked there are 4 million results. I think Miss Johansson took this all pretty well and in stride considering what happened. She told Vanity Faire that the photos were for her then husband. It's not like I was shooting a porno and there is nothing wrong with that either. I think that is a very good way to take it and respond to all these people who are saying oh my god you took these photos of yourself and let them get out on the Internet.
Scarlett Johansson is not the first celebrity to get hacked and will definitely not be the last. In fact I foresee there being many more as technology becomes more and more a part of our lives and we adopt it into every facet of our lives. These tools can be great things to help us and they can also allow people into our homes when we don't want' them to be so those photos or texts that are secret are no longer secret. The main thing you can do to stop this type of thing is keep good informational security meaning different passwords for everything and change them up once in awhile. But none of us do this do we? That being said not many of us will be the target of such an attack the way Miss Johansson was simply because we are not stars however it could be to get to your bank account or something like that though that won't embarrass you but will cost you a lot of money.
Scarlett Johansson is not the first celebrity to get hacked and will definitely not be the last. In fact I foresee there being many more as technology becomes more and more a part of our lives and we adopt it into every facet of our lives. These tools can be great things to help us and they can also allow people into our homes when we don't want' them to be so those photos or texts that are secret are no longer secret. The main thing you can do to stop this type of thing is keep good informational security meaning different passwords for everything and change them up once in awhile. But none of us do this do we? That being said not many of us will be the target of such an attack the way Miss Johansson was simply because we are not stars however it could be to get to your bank account or something like that though that won't embarrass you but will cost you a lot of money.
Amy Winehouse Rehab
Play the video above and really listen to the words she is singing I have never done that before. It is almost foreshadowing what happened to her. Going through the rehab and then suddenly passing away at such a very young age. I can remember hearing on the radio that Amy Winehouse had passed away the day that it happened and then thinking how young she truly was. Her career was only just beginning. Now there are some new songs and a new album that she was working on coming out after her death they are going to be called Amy Winehouse Lioness Hidden Treasures. That's a good name for the new album. Hopefully this new album is a great success for the company that is selling it I just wish that Amy was around to celebrate her successful album. Because it is such a waste to lose a young upcoming star at such a young age.
Saturday, December 3, 2011
What Is An iCloud
How To iCloud that's an interesting subject line but I get a lot of questions about what is the iCloud? The answer to that is simple. The iCloud allows all your Data say songs you purchase videos or pictures you take or projects you are working on to be pushed to all of your Apple devices. Some people describe iCloud as a hard drive in the cloud but it's more than storage. It's about taking a picture with your iPhone and then being able to see it on your Mac book Pro. Or working on a project on your Mac book Pro and picking up your iPad 2 and finishing where you left off without missing a beat. The iCloud pushes all your pictures mail data videos whatever you tell it too to all the different devices that are iCloud compatible. So buying a song then having to load it on your computer done you don't need to do that anymore because you have the iCloud. You know those pictures you took and you want to download them to your computer so you can use them on your blog. That's all ready done as well thanks to the iCloud. Are you starting to get the idea here that the iCloud let's you do all the stuff you normally do but you just have to do a lot less of the minutiae to do it. What do you need to run iCloud? You need Apple IOS 5 and or a Mac running on OS X Lion 10.7.2 then you will be all set up for the iCloud. Then you just go into your phone and select what you want to share with the iCloud and you are set.
I all ready know how this is going to improve my efficiency even with this blog with pictures and video and things like that but how do you think it will help you? If you are already running the iCloud how has it helped you or have you had any problems with it so far? I haven't seen any yet other than some minor set up things but it was an easy fix more operator error on my part. I really think when this gets built out like into the full Apple ecosystem meaning it's the standard not just new users because let's face it right now you have to have some fairly new products to run it, this should be an amazing product. Not to mention the things that will be able to be done with it. Think an Apple TV running video over your iCloud or video of your kids soccer game. That's possible now. Take the soccer video with the iPhone and watch it at home on the iPad 2. The iCloud is a pretty amazing product I think it will be a hit for Apple.
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I all ready know how this is going to improve my efficiency even with this blog with pictures and video and things like that but how do you think it will help you? If you are already running the iCloud how has it helped you or have you had any problems with it so far? I haven't seen any yet other than some minor set up things but it was an easy fix more operator error on my part. I really think when this gets built out like into the full Apple ecosystem meaning it's the standard not just new users because let's face it right now you have to have some fairly new products to run it, this should be an amazing product. Not to mention the things that will be able to be done with it. Think an Apple TV running video over your iCloud or video of your kids soccer game. That's possible now. Take the soccer video with the iPhone and watch it at home on the iPad 2. The iCloud is a pretty amazing product I think it will be a hit for Apple.
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Jailbreaking the iPod Touch what do you think?
The iPod Touch is a another fabulous product put out by Apple Computer. It's basically an iPhone that can't call and it won't use any type of 3G only wifi networks for communications. But, you can get the full Internet and use all the tools in the Apple App store with the iPod Touch that you can with the iPhone. However people have found that they can make thier iPod touch do more things and they are able to have more control and use different apps and such by hacking the phone called Jailbreaking. However with all of that Apple keeps a tight rein on what can and can't be done with the iPhone or the iPod touch. So a cottage industry has built up around Jail breaking your iPhone or iPod touch and it allows your phone or your iPod touch to do more things than it could do than when it came with factory settings. If you Google jailbreak iPod touch you get over 40,000,000 results you read that right forty million results so this has become a pretty big industry. Everything from companies offering you their own jailbreaking services to ebooks to videos etc. All the way down to just directions on a web page on how to do it yourself. It's interesting how Apple has tried to combat this they have tried everything from patches to new OS's all to no avail. Recently when I bought my new iPhone 4S I was even asked to sign one of their electronic documents that basically says hey I won't hack their phone. Now I don't know about the whole their phone thing. I just paid a lot of money for that phone but I personally leave my iPhone stock from the factory. If you go on the different Apple or Mac forums when the new iPhone or iPod Touch comes out it's like a race to see who can be the first hacker to jailbreak it.
So, what do you think? Do you have an Apple phone or iPod that is jail broken? If so what other tools does it allow to have that the stock phone doesn't and are you happy you jailbroke your phone? Like I said earlier I don't like the whole Apple thing about this is our phone after someone just bought it how do you feel about that? Leave your answers in the comments area.
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So, what do you think? Do you have an Apple phone or iPod that is jail broken? If so what other tools does it allow to have that the stock phone doesn't and are you happy you jailbroke your phone? Like I said earlier I don't like the whole Apple thing about this is our phone after someone just bought it how do you feel about that? Leave your answers in the comments area.
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Thursday, December 1, 2011
Tech Innovation and The Game of Cricket
Tech Innovation and The Game of Cricket. I know your thinking what is Adapage thinking what does Tech Innovation have to do with the game of Cricket? Well, we have all probably played cricket a few times right? Raise your hand if you haven't. That's right I thought so most of you raised your hand. Okay so now how many of you have played the game of cricket after having one too many Guinness's or the beer of your choice? Less hands but still quite a few out there. So as most of you know the game of Cricket is a simple dart game
that is played as follows players take turns trying to be the first ones to get three 20's, three 19's, three 18's all the way down to 15's and then 3 bulls eyes. The first one to get three of everything wins if they also have the most points and you score points by hitting anything that your opponent doesn't have three of. Pretty fun game actually and the loser buys the Guinness. Not very smart huh give guys who are drinking sharp objects to throw. But that's the way it's been for eons. So, what does this have to do with tech innovation? Simple a long time ago when I was just a boy my brother taught me a valuable lesson in the game of Cricket "Don't Follow" which means simply this, if your opponent in Cricket just closed his 20's then you need to go to your 19's to get ahead of him to have something to make points on if you can close your 19's ahead of your opponent, then go back and close your 20's when you get a chance. If you simply follow your opponent you will follow them all the way down to bulls eyes and then lose the game.
Tech innovation lately has just been following what I mean by that is look at Apple. They were this company that hadn't really had a hit product in a long time. Then along comes the iPod so what does the rest of the tech world do they simply follow hoping to get a piece of the mp3 pie. They don't want to go out and make their own pie or god forbid aim for those 19's like in cricket.
Then we come to phones the iPhone broke all the rules of what a phone should or could be and the rest of the tech world didn't really innovate it pretty much just said how much of Apples market share can we take if we market lower priced touch screen phones?
The iPhone sold so well and people loved it so much Apple said why don't we make it bigger and the iPad was born and everyone followed. They didn't listen to my brothers advice. Don't follow, they just wanted a piece of that market share so now how many tablet are a no go? How many of your friends own a RIM tablet or a Samsung tablet? I thought so.
But there is someone out there not following. Amazon, they are shooting 19's all day long with the Kindle Fire. Yes it's a tablet and it will take market share but we are not talking a few percent here we are talking an actual competitor for the iPad. Not only did they take Google's operating system and retool it to serve their own products thereby basically not serving Google's services but their own but they are actually competing with the iPad 2 not bad considering that this is a company that sells books, oh yeah and everything else you could ever want. Heck even Apple products.
Sunday, November 27, 2011
Digital Marketing With QR Codes
Digital Marketing with QR Codes can be convenient and cost effective for all sizes of businesses no matter your advertising budget. The great thing about QR Codes is their adaptability to any medium. not to mention the fact anyone with an iPhone QR Code reader or an Android QR Code reader can read them and share them. From This one on my blog that just gives you my URL to QR Codes that you can put onto T- shirts or stickers or whatever else you can think of. Many of the QR Code companies out there are even offering analytics type software to see who saw your QR code and who shared it and who clicked back to your site etc.
How Is This Digital Marketing If It's On a T-Shirt
How is this digital marketing if it's on a T-Shirt? That's a good question. One of the great things about QR Codes that makes them really cool is that they take any type of marketing and make it digital based on user input. Hmm that sounds like a lot of work right. Well, not really. Could you see that QR Code above not being just a link to this blog but maybe a link to this blog and a funny video. So if that was on a t- and someone came by with their iPhone or Android Smart phone which are equipped with QR Code readers so they read the QR Code off your shirt and and then like it on Facebook and share it with all their Friends so that T- shirt that definitely isn't digital marketing just got shared how many times on Facebook or Twitter now that's definitely digital marketing. That is just one simple example there are many others. I think these QR Codes are going to be just part of normal marketing now that everyone has the iPhone QR Code reader and Android QR code readers in their pockets. Think of this from an SEO perspective for just getting your link out there in the world with things like videos and quotes and pictures etc. All geared to bring more search traffic to your website or blog.
Saturday, November 26, 2011
Avon Catalog Sales Prospects
Avon products and the Avon Catalog have been huge hits since they have been in business since 1886. They are the largest direct marketer of beauty products for women and now recently they have started a men's line as well. In 1886 the first Avon lady was actually a man and in the beginning he was actually selling books but then he saw perfumes were selling better than his books so he started the California Perfume Company. Avon came to be in 1939 when they changed the name from the California Perfume Co. to the Avon company
Avon has more than 2.6 million Avon team members supplying Avon products in homes and offices nationwide and Avon ranks first in sales nationwide despite huge competition from the other players in the cosmetics industry. The other part of Avon's growth plan is to expand to South America, Eastern Europe and Asia with Product lines and catalogs just for those markets. Where now in America 50% of sales are held at a work site because that's where ladies are in America in these other countries it can go back to the original door to door sales model since most women in some of these countries don't work outside the home. it will be interesting to see this global growth trend for Avon. One of the advantages especially for Avon products is that in some of these countries the ladies want their cosmetics to come from outside their country. Cosmetics that are imported have a higher intrinsic value to them.
MARK - Mark is just a boys name to you and me but to Avon it's their low cost products for teenage girls who are just getting into makeup according to Avon research there are about 320 million young ladies between 16-24 who spend over 200 billion dollars annually on consumer goods. This market is a huge opportunity for Avon. Mark is a brand for young ladies that are making their mark in the world
So, with the growth here in the United States and the growth in the overseas markets like South America, Asia, and Eastern Europe not to mention the whole Mark line of products Avon is looking like a true growth prospect. Because as these teenagers become women and start to buy more products and more expensive products they are the same customer number but they drive more profit to the Avon Company. Not bad for a little company that sells products door to door with a catalog.
Avon has more than 2.6 million Avon team members supplying Avon products in homes and offices nationwide and Avon ranks first in sales nationwide despite huge competition from the other players in the cosmetics industry. The other part of Avon's growth plan is to expand to South America, Eastern Europe and Asia with Product lines and catalogs just for those markets. Where now in America 50% of sales are held at a work site because that's where ladies are in America in these other countries it can go back to the original door to door sales model since most women in some of these countries don't work outside the home. it will be interesting to see this global growth trend for Avon. One of the advantages especially for Avon products is that in some of these countries the ladies want their cosmetics to come from outside their country. Cosmetics that are imported have a higher intrinsic value to them.
MARK - Mark is just a boys name to you and me but to Avon it's their low cost products for teenage girls who are just getting into makeup according to Avon research there are about 320 million young ladies between 16-24 who spend over 200 billion dollars annually on consumer goods. This market is a huge opportunity for Avon. Mark is a brand for young ladies that are making their mark in the world
So, with the growth here in the United States and the growth in the overseas markets like South America, Asia, and Eastern Europe not to mention the whole Mark line of products Avon is looking like a true growth prospect. Because as these teenagers become women and start to buy more products and more expensive products they are the same customer number but they drive more profit to the Avon Company. Not bad for a little company that sells products door to door with a catalog.
Mehndi Designs, Tattoo and Henna Body Art
Body Art
Tattoos
Body art now is mainstream. Where before it used to be just the biker or that guy that had been in prison that had body art now it's pretty much all age groups and socioeconomic classes who are enjoying body art. Many people now have at least one tattoo on their skin and others have many more. A lot of people when you see a peek of a tattoo sticking out of a sleeve or the top of a swimsuit the next question is how many tats do you have? More often than not it will be more than just the one. Since tattooing has joined the popular culture the growth of tattooing has been huge also with shows on TV like Miami Ink giving TV time to some very talented designers and artists it makes people think wow I want that or I wonder what that artist could do for me.
Henna Tattoos
Henna tattoos are much like regular tattoos except for one major thing they fade away from your skin in about two weeks time. Pretty cool right you get to try out your tattoo and see if you like it and if not it fades away in two weeks time and doesn't require a laser or anything to take it off. You see this a lot on students or kids under age to get a real tattoo just trying it out or trying to get their parents upset as a joke hey mom look at my new tattoo. That kind of thing.
Mehndi Designs
Mehndi Designs are very intricate henna tattoo designs on the hands usually done in Arabic countries or by Arabic people but this too will spread in America because they are beautiful designs around the hands and wrists. Most Mehndi designs start off as small paisley designs almost with ovals and circles and straight lines connecting them. They come out very beautifully with a good henna artist but this is something you could try yourself because if it goes wrong then it will disappear in 2 weeks.
These different types of body arts are coming from different places and popular culture is attaching to the different types of body art and making them more popular with different groups of people. So for instance with the Mehndi Designs they are Arabic but it will only be a matter of time before you see your average American kid sporting Mehndi because all his friends do. So that's how things grow and evolve and change
Tattoos
Body art now is mainstream. Where before it used to be just the biker or that guy that had been in prison that had body art now it's pretty much all age groups and socioeconomic classes who are enjoying body art. Many people now have at least one tattoo on their skin and others have many more. A lot of people when you see a peek of a tattoo sticking out of a sleeve or the top of a swimsuit the next question is how many tats do you have? More often than not it will be more than just the one. Since tattooing has joined the popular culture the growth of tattooing has been huge also with shows on TV like Miami Ink giving TV time to some very talented designers and artists it makes people think wow I want that or I wonder what that artist could do for me.
Henna Tattoos
Henna tattoos are much like regular tattoos except for one major thing they fade away from your skin in about two weeks time. Pretty cool right you get to try out your tattoo and see if you like it and if not it fades away in two weeks time and doesn't require a laser or anything to take it off. You see this a lot on students or kids under age to get a real tattoo just trying it out or trying to get their parents upset as a joke hey mom look at my new tattoo. That kind of thing.
Mehndi Designs
Mehndi Designs are very intricate henna tattoo designs on the hands usually done in Arabic countries or by Arabic people but this too will spread in America because they are beautiful designs around the hands and wrists. Most Mehndi designs start off as small paisley designs almost with ovals and circles and straight lines connecting them. They come out very beautifully with a good henna artist but this is something you could try yourself because if it goes wrong then it will disappear in 2 weeks.
These different types of body arts are coming from different places and popular culture is attaching to the different types of body art and making them more popular with different groups of people. So for instance with the Mehndi Designs they are Arabic but it will only be a matter of time before you see your average American kid sporting Mehndi because all his friends do. So that's how things grow and evolve and change
Hairstyles For Different Face Shapes
Different hairstyles for different faces, that is the key to your new hairstyle. Round, Square, Oval, Long, or Heart Shaped there are many there are many facial shapes. There are some hairstyles that will fit with your face and some that just don't go no matter how hard you try or how much your stylist charges you.
hairstyles for round faces- Long Hair looks great on a round face it tends to draw the eyes and lengthen the face a little bit much like pointy heels lengthen the leg. Your eyes are drawn to the long hair so the face seems a little longer. Gentle large waves work well for the round face as well. Simply use a large barreled iron to get the desired effect the larger barrel the better because it helps to look natural with your round face.
Hairstyles for Square faces-if you have a square face lucky you. You have a strong jaw line and can get away with long long hair that looks fabulous and ages well. You can also go with the simple long bob that will never go out of style or keep it long and flatiron part in the middle. Or just long long long and curly
Hairstyles for oval faces- If you have an oval face shape congratulations this face shape works with just about any hairstyle. When your girlfriends are thinking their new haircut just doesn't look right you won't be having those problems. You can try what you want.
Hairstyles for Long faces- Long faces can be challenging. The challenge is to get some width in your hairstyle to give your face that illusion of width. So the long bob is a classic for a woman with a long face. She should also stay away from long straight hair as it will only accentuate the longness of her face and chin. Bangs are also an option for the woman with a long face as it gives her that same sense of width.
Hairstyles for heart shaped faces- the heart shaped face is like the long face you need to create that illusion of width down low on the face. You can wear short hairstyles, long hairstyles, short bobs, but you will usually have those long side swept bangs to bring some weight to the bottom of your face since the heart shaped face is kind of top heavy.
Discovering your facial shape can help you discover the types of hairstyles that work perfect for you or even looking at the stars on TV or the awards shows and seeing what their hairstyle choices are to go with the shapes of their faces because let's face it even they have this problem picking out new hairstyles they just have a lot of people to help them do it.
hairstyles for round faces- Long Hair looks great on a round face it tends to draw the eyes and lengthen the face a little bit much like pointy heels lengthen the leg. Your eyes are drawn to the long hair so the face seems a little longer. Gentle large waves work well for the round face as well. Simply use a large barreled iron to get the desired effect the larger barrel the better because it helps to look natural with your round face.
Hairstyles for Square faces-if you have a square face lucky you. You have a strong jaw line and can get away with long long hair that looks fabulous and ages well. You can also go with the simple long bob that will never go out of style or keep it long and flatiron part in the middle. Or just long long long and curly
Hairstyles for oval faces- If you have an oval face shape congratulations this face shape works with just about any hairstyle. When your girlfriends are thinking their new haircut just doesn't look right you won't be having those problems. You can try what you want.
Hairstyles for Long faces- Long faces can be challenging. The challenge is to get some width in your hairstyle to give your face that illusion of width. So the long bob is a classic for a woman with a long face. She should also stay away from long straight hair as it will only accentuate the longness of her face and chin. Bangs are also an option for the woman with a long face as it gives her that same sense of width.
Hairstyles for heart shaped faces- the heart shaped face is like the long face you need to create that illusion of width down low on the face. You can wear short hairstyles, long hairstyles, short bobs, but you will usually have those long side swept bangs to bring some weight to the bottom of your face since the heart shaped face is kind of top heavy.
Discovering your facial shape can help you discover the types of hairstyles that work perfect for you or even looking at the stars on TV or the awards shows and seeing what their hairstyle choices are to go with the shapes of their faces because let's face it even they have this problem picking out new hairstyles they just have a lot of people to help them do it.
Monday, November 21, 2011
The Kelley Blue Book and Carfax Can Save You Money On a Used Car
Saving Money By Buying a Used Car
Practically everyone knows that you can save untold thousands of dollars by simply foregoing the new car smell and buying a used car. But, people always wonder about used cars, am I getting a good deal or has this car been in an accident before? Those are pretty serious things to think about when buying a used car.
Kelley Blue Book
The Kelley Blue Book is synonymous with car buying and selling and yes it is actually a blue book. But know these are modern times and if you want you can go online and there is a Kelley Blue Book online as well as several apps for smart phones like the iPhone 4s or the Droid Razr. So you are able to look at you model year and mileage and the shape the vehicle is in and get the blue book price. This can save you money by you knowing the actual value of the vehicle you won't be overpaying and you can also use it in negotiations by saying hey you want this much but the blue book value is a thousand dollars less let's come to an agreement somewhere in the middle.Carfax
Carfax is an online service that tells you information about a used vehicle you are buying before you buy it. It let's you know important things like did the owner keep up with maintenance was the car ever in a flood or a fire. Simple things like have the airbags ever deployed these things can make you think twice about purchasing a specific vehicle or consider the price you are willing to pay. So you can use this service to avoid specific cars or to just get a better deal. How Carfax works is you put the VIN number, you know that little number on the far left corner of the dash board into the website and register and it will give you all the information about the specific vehicle.
Kelley Blue Book and Carfax can help save money on a used car and at the same time give you piece of mind that your purchase is a sound one. Because buying used can save literally thousands over buying new so anything that takes that sense of not knowing anything about the vehicle will make you more informed in your purchase. Other ways that buying used saves you money besides just the outright price is through the car tax. The car tax is the yearly license which is much cheaper on a used vehicle than a new one. This car tax can be a few hundred dollars on a new car and size ably less on a used vehicle a couple years old. Another way to save money is that the original owner already paid for all those extra costs such as undercoating, what is that anyway and the tow package and other high cost items that you might want. But when your purchasing used that's all part of the deal it's not another $700.00 tacked onto the cost of the car for the two package and the nice stereo.
So, go out there with these tools Kelley Blue Book and Carfax and find you next used car with a little piece of mind and save some money.
Ford Focus and Fusion Contenders In Hybrid, EV Market
Ford, it's not a name you think of when talking about high mileage vehicles with their class leading F-150 pickup being a perennial bestseller in the truck market, despite great competition from the other companies.
But with the new Ford Focus all Electric vehicle coming out for 2012 and the all ready released Ford Fusion Hybrid the competition might want to take notice that Ford is stepping up to the plate in the Hybrid EV marketplace.
Ford Focus EV
The 2012 all Electric Ford Focus is being marketed and you can reserve your today this is an option for those people considering a hybrid but just want to get totally off gasoline. Or for those whose commutes fall within the 100 mile daily range of the Ford Focus EV. For those buyers who are not quite ready to take the electric plunge you can still get the Ford Focus in a gasoline model that gets 40 mpg which in itself is really good for a gasoline powered car considering the Toyota Prius gets about 54 mpg and it's a hybrid.
Ford Fusion Hybrid
Again for those not quite ready to take the electric car plunge or whose commutes daily are longer than 100 miles the For Fusion Hybrid is for you. This is the Hybrid model of the very popular Ford Fusion. Which is all ready a very fuel efficient vehicle and with the hybrid technology will only be more so.
There are still many naysayers to the whole hybrid and electric vehicle industry but to those people I simply say drive down to your local auto dealer and have a look around they are here and doing well and hybrid technology has been around for a long time now more than ten years in the Prius.
Electric Vehicles are starting to come online now with major manufacturers producing vehicles for an accepting public such as the Nissan Leaf and now the Ford Focus and the new Fiat just released this year. Now to the question of what comes first the infrastructure to charge all these vehicles or the vehicles I think the case has been made that once the vehicles are selling and they are that infrastructure will be built out.
But with the new Ford Focus all Electric vehicle coming out for 2012 and the all ready released Ford Fusion Hybrid the competition might want to take notice that Ford is stepping up to the plate in the Hybrid EV marketplace.
Ford Focus EV
The 2012 all Electric Ford Focus is being marketed and you can reserve your today this is an option for those people considering a hybrid but just want to get totally off gasoline. Or for those whose commutes fall within the 100 mile daily range of the Ford Focus EV. For those buyers who are not quite ready to take the electric plunge you can still get the Ford Focus in a gasoline model that gets 40 mpg which in itself is really good for a gasoline powered car considering the Toyota Prius gets about 54 mpg and it's a hybrid.
Ford Fusion Hybrid
Again for those not quite ready to take the electric car plunge or whose commutes daily are longer than 100 miles the For Fusion Hybrid is for you. This is the Hybrid model of the very popular Ford Fusion. Which is all ready a very fuel efficient vehicle and with the hybrid technology will only be more so.
There are still many naysayers to the whole hybrid and electric vehicle industry but to those people I simply say drive down to your local auto dealer and have a look around they are here and doing well and hybrid technology has been around for a long time now more than ten years in the Prius.
Electric Vehicles are starting to come online now with major manufacturers producing vehicles for an accepting public such as the Nissan Leaf and now the Ford Focus and the new Fiat just released this year. Now to the question of what comes first the infrastructure to charge all these vehicles or the vehicles I think the case has been made that once the vehicles are selling and they are that infrastructure will be built out.
Sunday, November 20, 2011
Where To Find Deviant Art
Deviant art takes many forms it can come in the form of photography or digital effects or even body art. We see deviant art in many places from t shirt designs to company logos which then are basically mass marketed so then is it deviant art? One place to find deviant art, in fact probably the best place is deviantart.com and there you will find many examples of deviant art and a whole group of deviant artists. Hey is that even a term? So if you are a producer of art of many different types from photography to digital to fractal to pen and ink you can put it up on deviantart.com and show it to people. Or if you are looking for a one of a kind t shirt or print or a design for a tattoo that will look different than every other guy or girl on the street then maybe you should check it out. With over 100 million subscribers and over 140,000 submissions per day I'm sure there is something for you on that site if you need some art for whatever purpose be it something for you wall or your website. If you don't know how to put it on you site there are even people that can help you with that. So this is a one stop shop for original art not cookie cutter things that you have seen everywhere else. For more information on deviant art and their history http://en.wikipedia.org/wiki/DeviantArt check this link out.
How Many Twilight Breaking Dawn Readers Will See Twilight Breaking Dawn Movie
Twilight Breaking Dawn was a fabulous success for Amazon. They sold one million three hundred thousand copies of Twilight Breaking Dawn the book on the first day of sales not bad for the first day huh. Breaking Dawn is the fourth novel in the Twilight series by the author Stephenie Meyer
Breaking Dawn the Movie distributed by Summit Entertainment grossed one hundred thirty five point nine million dollars this weekend driven by all those sales of books and the girls and moms that read them and want to see more, coming from the dreams of that author Stephenie Meyer. These stories are very universal of course they have the vampires and there is this otherworldly part to the stories but the universality pulls in the audiences from a large cross section of people. Mostly teenage girls and moms but many others as well because the stories are so universal they deal in love and hate and conquest and conquering out enemies and doing whatever it takes for love. Who hasn't been in that spot before. So this series may be over however Amazon and the producers of this film are still going to make boatloads of money from it. As you can see in the trailer this movie looks like it's going to be pretty interesting to the vampire lovers out there. This movie features a Honeymoon and pregnancy so it's pretty intense for the mostly female audience that saw it this weekend. So see the movie to follow the exploits of Bella, Edward, and Jacob as they continue their journey.
Breaking Dawn the Movie distributed by Summit Entertainment grossed one hundred thirty five point nine million dollars this weekend driven by all those sales of books and the girls and moms that read them and want to see more, coming from the dreams of that author Stephenie Meyer. These stories are very universal of course they have the vampires and there is this otherworldly part to the stories but the universality pulls in the audiences from a large cross section of people. Mostly teenage girls and moms but many others as well because the stories are so universal they deal in love and hate and conquest and conquering out enemies and doing whatever it takes for love. Who hasn't been in that spot before. So this series may be over however Amazon and the producers of this film are still going to make boatloads of money from it. As you can see in the trailer this movie looks like it's going to be pretty interesting to the vampire lovers out there. This movie features a Honeymoon and pregnancy so it's pretty intense for the mostly female audience that saw it this weekend. So see the movie to follow the exploits of Bella, Edward, and Jacob as they continue their journey.
Amazon Kindle Sales Drive Kindle Book Sales
Amazon's hit the Amazon Kindle and now the Amazon Kindle Fire have, I'm sure far surpassed the goals set for them by the people at Amazon. I think we all know that avid reader of regular books who was at first "I will never change to an amazon kindle" who now sits happily clicking to the next page and shows it off to their Friends and excitedly explains the virtues of the device to anyone who will listen.
That is one of the greatest aspects of the Amazon Kindle is the simplicity of use almost like a book itself. From simple pressing a button to turn a page to pressing a button to buy another book which has a large impact on Amazon's bottom line. One of the better features of the kindle is the ability to read a couple chapters of the book to see if you will like it before you buy it. This does two things it drives you to purchase the book. But also drives you to only purchase books you will like therefore giving you a better buying experience.
In July of 2010 Kindle book sales were larger than Amazon's Hardcover book sales that is a pretty good feat in itself. But then in January of this year they surpassed paperback sales and as of this time they have gone past both metrics in sales. So more kindle books are being sold than both hardcover and paperback from amazon. That is simply amazing. Part of it is driven by the simplicity of buying a book and the time it takes you don't have to turn on your computer and find the book and order it and check out and wait for UPS to bring it. You simply download the book to your Kindle and you can start reading right now.
Another part of the sales puzzle of Kindle Books is sales of the Kindle itself. Prices have been dramatically lowered from $259.00 originally to now you can buy one for $99.00 pretty much anywhere they are sold. That is another piece of the puzzle as well the fact that they are sold everywhere. Before you could only buy one at Amazon.com and now you can buy one at Office Max if you want to. So, simplicity of use, simplicity of purchasing, prices lowering, and availability of the product have all allowed the Kindle to be the leader of Ereader technology and a winner for Amazon for now the the Kindle Fire is only the future for them
That is one of the greatest aspects of the Amazon Kindle is the simplicity of use almost like a book itself. From simple pressing a button to turn a page to pressing a button to buy another book which has a large impact on Amazon's bottom line. One of the better features of the kindle is the ability to read a couple chapters of the book to see if you will like it before you buy it. This does two things it drives you to purchase the book. But also drives you to only purchase books you will like therefore giving you a better buying experience.
In July of 2010 Kindle book sales were larger than Amazon's Hardcover book sales that is a pretty good feat in itself. But then in January of this year they surpassed paperback sales and as of this time they have gone past both metrics in sales. So more kindle books are being sold than both hardcover and paperback from amazon. That is simply amazing. Part of it is driven by the simplicity of buying a book and the time it takes you don't have to turn on your computer and find the book and order it and check out and wait for UPS to bring it. You simply download the book to your Kindle and you can start reading right now.
Another part of the sales puzzle of Kindle Books is sales of the Kindle itself. Prices have been dramatically lowered from $259.00 originally to now you can buy one for $99.00 pretty much anywhere they are sold. That is another piece of the puzzle as well the fact that they are sold everywhere. Before you could only buy one at Amazon.com and now you can buy one at Office Max if you want to. So, simplicity of use, simplicity of purchasing, prices lowering, and availability of the product have all allowed the Kindle to be the leader of Ereader technology and a winner for Amazon for now the the Kindle Fire is only the future for them
First Post
Hello everyone this is the first post of the Adapage Blog I hope you see some things that interest you here and you come back over and over. If I'm saying something you disagree with great we will have something to comment and disagree over then it's just not me putting stuff out but you taking it in and thinking about it and coming to your own conclusion and disagreeing with it.
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