Monday, June 16, 2008

The Boutique Hotel Manager

By Kurt Bjorkman Boutique Hotel. Just the words get the imagination going. Even before I dog eared the pages of Herbert Ypmas first Hip Hotels book I was fascinated by the world of boutique hotel properties. How cool would it be to be the general manager of a cool boutique hotel? I often found asking myself as I flipped through the pages of his magnificent photos. Working hard to make a career out of the hotel industry, I was convinced that I just had to be involved with a boutique hotel someday. That someday came true, when in 2004 I was invited to be the general manager of what was and still is one of Palm Springs most hip boutique hotels. I left another huge opportunity just to be a part of this amazing world. The art, the design, the vibe. I had never really worked anywhere with a vibe. A year later and I knew, I knew what many in the hotel business do notwhat it is really like to be the gm of a hip, cool boutique hotel. Its not for everyone and amazing for many. There is a mini storm brewing in the boutique hotel world, one I dont think most involved in this industry are aware of. With more and more boutique hotel operators entering the playground, more and more bad hiring decisions are being made. The right General Mangers are working at the wrong hotels. Like a square peg and a round hole, some things just do not work. Who is to blame and what can be done? The Boutique Hotel First let me first tell you that I have a very narrow view of what really constitutes a boutique hotel. I think that the term Boutique when used to describe a hotel is often misapplied. A boutique hotel is not defined by simply a hot design, as many would argue. In my opinion, a boutique hotel is a property that is uniquely significant in four ways: 1. Architecture and Design. 2. A high level of service. A property must not exceed 150 guest rooms, enhancing the guest to staff ratio. 3. Sell to a specific demographic. 4. Are independently owned and operated (this is where some will disagree with me). A boutique hotel must be an independent operation. The hotel must not be part of a collection that is more than say, 10 properties. Beyond this you get into having a corporate hierarchical management style that is required in running a large company and maintaining brand consistency. Take W Hotels for example. In my opinion these are not boutique hotels. They look like a boutique hotel, even feel like one. Many boutique hotels would strive to be as great as a W. But a W Hotel is run and managed by a massive corporation. The property level management makes very few decisions about what services are offered and how the property is run. A boutique hotel must be operated as close to the actual physical operation as possible. Ws and the like are amazing, but in my opinion dont fit the definition of a boutique hotel. Boutique hotels are also constantly re-inventing themselves, making sure that their fickle guest never get bored and look to stay at the latest new, hip and cool property. Boutique Hotel Guest Travelers chose to stay at a boutique hotel because of the story, or the experience. The experience is very important and must be unique and somewhat cutting edge. The general demographics are individuals 20 to 50 years of age, work in more creative fields like advertising or entertainment and appreciate a higher level of service. When Ian Schrager entered the market with what many consider to be the first boutique hotel, this demographic discovered that they could use their travel budget get them a room at a cool, hip hotel rather than a generic mid-level branded property. And the boom started. Boutique hotel guests enjoy experiences, unique architecture, cutting edge interior design and in some cases an urban location. The market is expanding and the demographic model explained earlier is beginning to bleed into others. You might very well find a Fortune 500 CEO staying at a boutique hotel. It is hard to ignore the hype. Brands vs. Boutiques Luxury hotel operators are scrambling to avoid losing market share to the boutique world. Some hotels are actually taking the brand off their marketing and streamlining their operations so that their properties are authentically boutique. Take the Kahala Mandarin Oriental for example. This famous luxury property recently took Mandarin Oriental away so that they could operate and compete in the new marketplace of more independent hotels. They are now simply The Kahala and are working hard to be authentically local and independent of a major brand identification. I think others will follow. The Boutique Hotel General Manager For the sake of this publication, I will use the luxury hotel as the comparison to the boutique since most closely associate a boutique hotel with luxury travel. So what is so different about being a general manager at a luxury hotel versus a boutique hotel? Can it really be that different? The basics are the same. The general manager is responsible for the entire day to day operation, hiring decisions, marketing, budgets, forecasting, rate strategy, facility maintenance etc The key for both types of properties is guest service and guest interaction. The guest at a high end luxury hotel expects to be able to interact with the hotel general manager, as do the guests at a boutique property. It is all high touch. The difference is that a boutique hotel general manager wears just a few more hats than the luxury general manager. A boutique general manager might be preparing complex budget forecasting spreadsheets at 10am and at 10:30 am be clearing the pool towels from around the hotels salt water plunge. When was the last time you saw the general manager of the Peninsula Beverly Hills with an arm full of towels? Dont get me wrong, I know that the general manager of the Peninsula would do this in a second, if they had to. The general manager of a boutique hotel HAS to, because there is nobody else. The one server working the restaurant is also probably responsible for taking care of the pool, taking room service orders, delivering the orders and on and on. The general manager of a boutique hotel is sometimes also the HR director and breaks the front desk agents. If the gm is in California then the gm might find themselves breaking just about every position just to avoid getting sued and fined! Take this example; you are the GM of a hot boutique property in the desert. The temperature is pushing 118 degrees. Since occupancy during the summer is very low, you encourage a lot of your team to take their vacations so you can get that vacation accrual off your books. One of those who takes you up on this is your chief engineer, one of two engineers for your entire five acre property. He goes home to the motherland, Germany for a week. Now just because its hot does not mean that you dont have customers. Some tourists seem to love the heat, and so it was with this particular steamy day in August. As the sun begins to set, your guests make their way from the pool to their bungalows. Dusk and 100 degrees, everyone turns on their aged air conditioners full blast so they can cool down. Your only other engineer has gone home for the day. It is at about this time that the calls start coming in. The ac units are freezing up. The old units freeze up when they are turned on full blast. Many blow the circuit breakers. So there you are, in your office doing the forecast for your weekly corporate status report call when the front desk calls you in a panic, the guests are flipping out cries your new front desk agent. You check out the calls and see that you need your engineer back on property, but his pre-paid cell phone (you cant afford to pay for a cell phone for him) is out of time you cant reach him! So what do you do? You head to the rooms to see if you can fix them. Room by room you tackle the challenge of explaining to your sweaty and angry guests why they cant turn their ac on full and that it will take at least two hours for the ice built up around the coils to melt. Then you start looking for the circuit breakers, which are scattered all over the 60 year old property. By the time you reach the last room the guest who answers the door almost screams at the sight of the sweaty, dirty general manager holding a tool box with a dazed look on his face. Wasnt this the same guy who was pouring us Mimosas at the pool this morning honey? asks the guest as you begin your repairs. Once the craziness is over you get a call on your cell phone. Yes, it is your engineer returning your call. You trying to reach me boss?. The next day, while on your conference call you listen to a speech about how general managers need to spend more time with their guests rather than in their offices. Duh, you think as you try to scrub the grit out from under your fingernails. The financial realities of a boutique hotel are unique. The appearance of three to five star service with a two star budget is the norm, and the gms get caught in the middle. The boutique hotel just does not have the budget to staff like a true luxury property and everyone has to pull their weight. The gm who does not will not be there long and hate every second of their lives. Along with the additional sweat and frustration of being a boutique hotel gm are the rewards. For the right individual, they will find that the entrepreneurial management style required of them is highly empowering. The gm can make a lot of decisions on their own, decisions that in a larger corporate hotel would require an approval or worse.committee discussion! The fact that some towels need to be picked up and maybe a drink or two be mixed and served is actually fun to them. The rewards of always being in front of your guests are what most gms want anyway, but many are not really ready for it when they are tasked to make that happen every day. So what kind of person would do well as a general manager of a boutique hotel? Answer these questions, if you can say yes to each answer then you will probably really like the challenge. Please note that I am assuming that you are already an experienced manager and qualified to be a general manager. The 51 Questions 1. You do not need routines to feel successful at work. 2. You can delegate without concern. 3. You can make decisions without committee recommendation. 4. You can spend long hours at work. By long I mean sometimes up to 14 hours at a time. 5. You have no problem spending the night at the property to make sure everything is ok. 6. You dont have a problem delivering luggage to guest rooms (you probably wont have a bellman to do this for you). 7. You can valet park a car. 8. You can re-program guest keys using the key card system. 9. You really enjoy speaking with your guests.REALLY. 10. You can mix a drink and you know who Mr. Boston is. 11. You can run a commercial washing machine. 12. You can re-set a circuit breaker. 13. You can change a flat tire, jump start a car. 14. You can re-set your router. If you dont know what a router is then stop now and re-think any thoughts you have of being a boutique hotel gm. You will not have an on site IT manager to help you! 15. You can check in/ out a guest using the front office system. 16. You can process credit cards and split payments to various folios. 17. You can run the switchboard at the front desk. 18. You can ring in an order using the restaurants POS. 19. You can re-set the restaurant POS. 20. You can program a digital surveillance system. 21. You can type your own memos, send your own e-mails and answer your own phones (this should be true of ANY gm nowadays). 22. You can jump from one project to the next without hesitation. 23. You know what to do when someone has a heart attack in your lobby. 24. You know what to do when someone chokes in your restaurant. 25. You can explain your restaurant menu items as well or better than your servers. 26. You can brew coffee using a commercial coffee machine. 27. You can draw a good cup of espresso. 28. You know the difference between a latte and a cappuccino. 29. You know the temperature requirements for your walk-in and refrigerators. If you dont know what a walk-in is, stop here and think about your career choice. 30. You know what to do when the health inspector shows up. Hint, it is not to grab a handful of cash! 31. You know who to call if your phone system suddenly stops working. 32. You know how to read the history off an electronic guest room lock. 33. You know how to make a bed as well as your best housekeeper. 34. You know what the ph level should be in your wash rinse. 35. You know how to check the chemicals in you pool and Jacuzzi. 36. You know what the interfaces are for each of your hotel software systems. 37. You know how to get guests online using your wireless internet service. 38. You know the difference between an p&l and a balance sheet. 39. You can run a commercial dishwasher. 40. You know your receivables and payables. 41. You know where your housekeeper buys their supplies. 42. You know local city ordinances as they apply to your property. 43. You can deliver a room service order. 44. You can clean a bathroom to 5 star standards. 45. You can fold a towel like your housekeepers. 46. You know where the water and gas mains are, and how to shut them off. 47. You know each of your guest room types. 48. You have no problem befriending your neighboring business and residents. 49. You can write a well researched and accurate month end report. 50. You know how to calculate flow through. 51. Have a number two person who can answer these questions as well. I task the many boutique hotel companies to ask these questions to gm candidates during the interview process. I know that you will save a lot of time, frustration and lower your turnover rates (higher for general manager positions in boutique hotels). If you are a boutique hotel company I would also ask you to make sure that you do the following for your hotel general managers, ensuring their success and lowering your gm turnover: 1. Dont hire an experience luxury (non-boutique hotel) general manger unless they can answer yes or actually commit to learning the answer to each of the prior 51 questions. 2. Train, train and train your new gms on the property they are going to. Make sure they know everything before you turn them loose. 3. Pay them a fair wage, maybe even a bit more than fair. Boutique hotel companies seem to think they can attract new gms who maybe were a number two at a larger property, convince them that it is cool to be a part of your company and pay them less than the industry standard. This just makes your new gm start listening to those headhunter calls (they call hotel gms a lot!) with offers of much higher salaries back in the comfort zone of a branded hotel. 4. Understand what goes on in the life of a boutique hotel gm. Most boutique hotel corporate staff have never been a gm at a real boutique hotel and have no idea what it is like. Get to know what happens on property. 5. Insist that your gms take time off. It is easy for your gm to get wrapped up in the operation and start working 7 days a week. This will just burn them out. Figure out a way to get them the time with their families they need to stay sane, married etc 6. Dont call them on their day off unless it is an emergency. If you dont know what days your gms are off then shame on you. 7. Dont be double minded. Dont show up one day and berate the gm for the pool deck needing re-surfacing and then two days later come down on them for requesting the funds to make property repairs. 8. Give them realistic budgets, and if you sell a bonus during the interview process, make sure it is realistic. 9. Give them the same perks that gms in large hotel properties get. You can skip the car allowance, but at least offer dry cleaning and travel privileges at your other properties. 10. Talk to them often. Really talk to them, dont talk at them. Listen to what is going on. 11. If you tell them that we are an entrepreneurial company and that gms can make their own decisions and then second guess every decision they make you need to re-think your message. 12. Make sure you give them the ability to hire a strong #2. One of the reasons your gms leave for other companies is because most boutique hotel companies dont give their properties the budgets to have a number two, so they have nobody to take their place if other in-company opportunities come up. This is the old and very tired to move up you have to move out dynamic that kills us in the hotel industry. 13. That takes me to this point—set out to develop bench strength. Have leaders waiting in the wings to take positions as you grow. If you dont you will end up borrowing leaders from each of your properties to open your newest. This leaves your existing properties, already running lean on management with an over worked and stressed out group of leaders and staff. Make this a priority. 14. Thank your gms. This is a no-brainer but a much forgot important task as a hotel company. THANK YOUR GMs. This goes for any hotel company. Your general managers get beat up a lot. By unhappy staff, guests and you. You hit them with constant notes on how to perform better. Make sure to balance the coaching with praise. The point? So what is the point to all of this? The boutique hotel general manager, in my opinion is a completely different job than a general manager at a full service luxury property. But unfortunately the two are muddled together in a basket full of un-attainable expectations. I think that the boutique hotel general manager should have a new title I leave this up to the boutique hotel companies and the creative genius that drives their brands. At the end of the day, a title is really not important, but the expectations are. Make sure you understand your role as a boutique hotel general manager or the role your general managers play at your boutique hotels. Make certain that as you take a job or when hire them, they know what a boutique hotel manager really is. The author, Kurt Bjorkman is the CEO of ver5, a hotel consulting firm based in La Quinta California. Kurt has 20 years of front line hospitality experience in both full service branded and boutique properties. For comments on this article or if you have questions please contact Kurt at kurt@over5consulting.com. Article Source: http://EzineArticles.com/?expert=Kurt_Bjorkman http://EzineArticles.com/?The-Boutique-Hotel-Manager&id=159118 yes personal loans reviews poor credit home equity loan florida car loan for people with bad credit project pay day
Posted by marsha in 11:43:53 | Permalink | Comments Off

Thursday, June 12, 2008

Auto Loan – How to Get a Car Loan Quote?

By [http://ezinearticles.com/?expert=Carrie_Reeder]Carrie Reeder Before accepting an auto loan from a bank, credit union, or dealership, buyers should take advantage of comparative shopping and acquire various auto loan quotes from different sources. Because of the variety of lenders, it is possible to obtain higher or lower rates from different lenders. For this matter, smart buyers recognize the importance of shopping around for the best deal. Getting a car quote is easy. Here are a few tips for finding the lowest quote. What are Auto Loan Quotes? Auto loan quotes are often overlooked by car buyers. Usually, persons buying a car are eager and neglect to compare different lender offers. On the contrary, some people purchase cars on the spur of the moment, in which they typically accept dealership financing. On the other hand, savvy or experienced car buyers do not accept a lender’s offer without first comparing their quote with at least three other quotes. Auto loan quotes serve a useful purpose. When a lender prepares a quote for a potential borrower, they include information pertaining to terms, interest rate, monthly payment, payoff time, etc. Applicants have the option of accepting a lender’s terms, or rejecting the quote. Applying with Multiple Lenders When applying for an auto loan quote, buyers should submit a quote request with more than one lender. Lending sources might include a credit union, bank, auto dealership, or other finance company. Contacting each individual company and submitting a quote request is time consuming. For this reason, many people obtain quotes from an auto loan broker. Auto loan brokers are not lending sources. Rather, brokers behave as the middleman, connecting borrowers with lenders. Because brokers have a huge database of auto loan lenders, they can help a car buyer locate a fitting lender. Furthermore, upon completion of a quote request with a broker, applicants receive up to four different offers. Choosing an Auto Loan Quote Once a borrower obtains the quotes from different lenders or an auto loan broker, the next step involves carefully reviewing each quote and deciding on an offer. In most situations, borrowers choose the quote offering the lowest rate. After selecting an auto loan offer, the last step entails submitting a formal application with the chosen lender. Here is a list of recommended target=_new [http://www.abcloanguide.com/autoloans.shtml]Auto Loan Lenders online. It’s important to use a reputable lender online to make sure your personal information is secure. Even without perfect credit you can still obtain multiple auto loan quotes, and ABC Loan Guide can provide you with lists of target=_new [http://www.abcloanguide.com/badcreditcarloans.shtml]Bad Credit Auto Lenders in your loan search. Also, check out their related links for target=_new [http://www.abcloanguide.com/refinancecarloan.shtml]Car Loan Refinancing as well. Article Source: http://EzineArticles.com/?expert=Carrie_Reeder http://EzineArticles.com/?Auto-Loan—How-to-Get-a-Car-Loan-Quote?&id=222446 need a gauranteed payday loan today what is an unsecured loan fast cash vermont cash now loan
Posted by marsha in 10:47:40 | Permalink | Comments Off

Sunday, June 8, 2008

America’s Problems Foreign and Domestic � The Combined Speeds Factor

By Michael Bresciani If an automobile is approaching another car and both cars are traveling at fifty miles an hour the combined rate of speed they are approaching is one hundred miles per hour. This means virtually nothing unless of course they should collide. More important is the amount of reaction time it takes to avoid a collision. At a combined speed of about fifty miles per hour a driver might have three seconds to avoid a collision in the last one hundred feet of distance. Now lets say that each car is flying at eighty miles an hour. At the combined speed of one hundred and sixty miles an hour the reaction time in the last one hundred feet would be a fraction of a second. The chance of a serious collision rises exponentially. Although less tangible the fall in Americas morality and the rise in global anti American sentiment is speeding down historys highway on a sure collision course. The problem it creates is that when crises occurs (the oncoming accident) our national reaction time will be degraded and that is where mistakes are made. To say America is falling headlong into gross immorality and violence would have been a bit panicky and excessive only a quarter century ago. We have long since crossed the threshold and now those who still retain an ounce of propriety, civility or just basic humanity are panicky for good reasons. Only those living in a cocoon could not see that Americas penchant for sex, blood and sleaze now has a life of its own, a momentum like a fast moving freight train with an engineer who isnt looking for his brakes. The headlines tell the story and there is not enough room here to mention even a fraction of the insanity that has occurred this year alone. Anyone with a TV or radio has heard it all. In Louisiana a fifteen month old baby sexually assaulted. Several high schools have been attacked by disgruntled students and outsiders as well. Five harmless primary school aged children were brutally slain in the Amish community. A family of four was found slain and lying on the side of the road in Florida. The myriad of crime programs on television have enough real life crime and gore to keep them going for years to come. Sex, violence, and bad behavior in general are the medias single best selling product. Our children look like they have all just been released from a mental institution where they mutilated and marked themselves in a delusional stupor. The language of the rappers and other segments of pop culture flow like acid out of the mouths of our kids with words, attitudes and dissent that would make Sartre, Lenny Bruce or Carlin look like Charlie Chaplin. Parents pound their children to get good grades while every part of their character and personality is besieged with a cultural blast of death and perversion unequalled in the history of the world. Getting As and Bs is a small price to pay for losing their entire mind to a life with so little purpose or gravity as to make feathers look heavy. Battles over placards of the Ten Commandments, Chaplains praying in Jesus name, Christmas nativity scenes and school children going to prayer meetings have come to the forefront almost as much as the wars in the middle east. Secular liberalism has snatched the minds of Hollywood actors, academics and politicians who then allow it to trickle down all the way to school aged children. If they werent being hit hard enough from the top they are then inundated from the bottom. The internet regurgitates schemes, scum and sexual perversion to millions of kids cloistered in their dens and bedrooms while parents scarcely know what could possibly be so interesting on line other than a quaint chat room blog or IM Collective American debauchery is up to a figurative one hundred miles an hour and coming up the road at the same speed is world opinion, unsteady, swerving in and out and ready to play chicken. The day of Americas isolation and insulation from world events has long passed. This is the most educated generation in our history yet the average college freshman doesnt even know where Kentucky is much less Kabul or Bagdad. But others around the world know exactly where Kentucky is geographically and they seem to know where America is morally. They dont have the trees obscuring their vision of the forest. Americans have never given much credence to world opinion but they have been surprised of late by world behavior as in, actions speak louder than words. Starting with the tragic events of 9/11 the world has been sending a strong signal. Anti Americanism has capitulated so fast that George Washingtons alleged vision of an invasion of our shores by a large pact of Eurasian nations doesnt seem all that far fetched. But even if it did not ever come to that, other equally frightening portents are now casting long shadows on the future horizon. Old friends in Europe like Britain and France are distancing themselves in one way or another from the U.S. Venezuelan dictator Hugo Chavez insulted the President while on American soil. Iran and Korea are posturing against the U.S. with open defiance while building and testing nuclear devices. Anti American rallies complete with burning U.S. leaders in effigy are erupting like California wildfires throughout the world mostly in Muslim nations but not limited to them. Saying the world is a powder keg has gone beyond a cursory assessment of world affairs. The volatility of the present world is hardly the question anymore. A more realistic question is why have so many countries around the world taken to playing with matches? To the secularist the combined speeds factor has only two elements, car one is the US and car two is the rest of the world. The decisions of either driver will affect the outcome of the two approaching vehicles. America is driving recklessly down the road fueled by a mixture of self indulgence, isolationism and a long history of being the biggest and best ride in the neighborhood. World opinion is barreling up the other lane with a car full of screaming multi-culturists and dissidents aching for a single chance to play chicken with the big boy on the block. The decision made in fractions of a second will decide the outcome of the contest. Everything from a close call to serious damage or death is on the menu. It is not really quite this simpleor is it? To those who have faith in God and are guided by the Bible there is a third element. Three factors are always in play for the believer, us, them and God. The deeper a believer has gone into scripture the more likely they are to conclude that the key factor is God alone. All human history is guided by the Almighty, from whole nations, right down to the individual. Yes, even kings and presidents, whether they know it or notwhether they like it or not. The king’s heart is in the hand of the LORD, as the rivers of water: he turneth it whithersoever he will. Proverbs 21:1 While democracy may be the best form of government to date in world history and the preservation of personal freedoms the noblest endeavor, it is not the salvation of the world. Put simply governments and ideologies do not a savior make. Religion doesnt do much for the world either. Faith in Christ and adherence to his word was never meant to be a religion but a way of life. Democracy is a form of government not truly a way of life. If democracy has provided us with the freedoms we know up to now it will be our misuse of those freedoms that will spell our doom tomorrow. The bottom line is that the U. S. and the world still need a savior. Let us hope they find Him before there is a crash that no one can recover from. Rev Bresciani is the author of two Christian books one that is entirely on the second coming of Christ. He is a contributing columnist for several online news and commentary sites. His articles are read throughout the world. Please enjoy a visit to http://www.americanprophet.org Article Source: http://EzineArticles.com/?expert=Michael_Bresciani http://EzineArticles.com/?Americas-Problems-Foreign-and-Domestic—The-Combined-Speeds-Factor&id=332926 paycheck calculators gaurenteed money to pay off nursing student loans can i use a pension plan as colateral for a personal loan cash advance located in san diego
Posted by marsha in 03:08:25 | Permalink | Comments Off

Friday, May 30, 2008

Short is in � See Short Term Loans

By [http://ezinearticles.com/?expert=Alec_Recce]Alec Recce For some financial needs of yours, you would certainly not require a long term burden. For an individual, the funds would cover expenditures like paying grocery bills, credit card debts etc. A business will need such funds for buying an immediate consignment of raw materials, paying employees their wages, etc. In the financial world, such loans are known as short term loans. The term of the short term loans is actually very short; thus giving them the name. It will range from a week to around a year. The needs that we just talked of are such that arise from a temporary lack of funds. So as soon as the funds are retrieved, the short term loans would be easily repaid. Short term loans while putting off the obligation very fast also raise the risk in the lending. The increased risk in short term loans is the primary reason for the very high rates of interest charged by lenders. For many borrowers, such high rates of interest would be a repelling factor. No there is also a much sought after advantage in using short term loans. This is the fast approval of short term loans. Is there any other loan, which offers as fast an approval as this loan? If not then short term loans increased rate of interest will not be as inconvenient; at least for the people who want the funds in urgency. With a short term loan, an individual borrower will only be advanced smaller sums in the range of 50 to 500. This sum is best used for the petty expenses. How do I get short term loans? This is the most obvious question that will come to a borrowers mind. For the convenience of borrowers, lending agencies are now advancing short term loans online. Yes, with online short term loans you need not to come out of the comforts of your home and yet apply for them. This is through the online application that is available on websites. Moreover, when applying online for the loans, a borrower gets access to loan deals with several lenders, most of them which you had ever wanted to process your loan deal. Short term loans are risky. Since a very high interest rate is charged from the lenders, it means that non payment of the loan amount within the specified term, the interest rate will continue to accumulate. So proper advice will be a must when taking short term loans. Alec Reece has a way with dealing with loans for a long time. Writing articles is just a way to extend this to consumers and provide empowerment through information. To find Cash loans,same day cash loans,easy cash loans visit [http://www.easycashloans.co.uk]www.easycashloans.co.uk Article Source: http://EzineArticles.com/?expert=Alec_Recce http://EzineArticles.com/?Short-is-in—See-Short-Term-Loans&id=358098 same day loans uma thurman paycheck mpegs western union payday loans short term loan legal in new york
Posted by marsha in 11:46:16 | Permalink | Comments Off

Wednesday, May 28, 2008

Rhinoplasty � The Most Common Of Nose Jobs

By Ricardo Silva There is no denying that the nose is a defining feature on the human face. This brings us to the subject of the most common form of rhinoplasty. Rhinoplasty The Most Common Of Nose Jobs Besides liposuction, the cosmetic reformation of the nose, known as rhinoplasty, is a hugely popular cosmetic surgical procedure. Many people, both male and female, are unhappy with the look of their nose. Whether it is an inherited flaw or a crooked nose from an accident, plastic surgeons are able to correct abnormalities in your nose and make you feel better about how it looks. This, of course, translates to more confidence on your part. One of the biggest complaints that plastic surgeons hear from patients is not the size of breasts, butts or stomachs, it is the size and appearance of the tip on the nose. Rhinoplasty is the method used to correct the tip. If you feel that the tip of your nose is too round and full, you may think that it detracts from the rest of your face. Rhinoplasty can work to correct this and refine it so that the tip of your nose looks in proportion to the rest of the nose and therefore, to the rest of your face. If you have complaints about your nose and rhinoplasty is your choice to correct it, there are different techniques that your plastic surgeon may use. Some doctors choose to use sutures, as they do not require the cutting and removal of any tissue. The tip is literally sewn together to make a skinnier, more refined looking end of the nose. Another technique that your surgeon might use is cephalic resection; where a portion of the cartilage in the tip of the nose is removed to make it smaller and less full looking. No surgical procedure is without risk, and that includes the various surgical methods of correcting the tip of your nose. Anesthesia will need to be used in these procedures, and there is the risk of bruising, swelling and infection at the incision site, just as there is with any surgical procedure. Be sure to consult thoroughly with your doctor and surgeon before deciding to have any rhinoplasty procedure done. The only way to correct the tip is rhinoplasty. If you feel that the tip of your nose is really off-balance, and you think that a change in your appearance would make you feel better, speak to a board certified plastic surgeon. They will know the best course of treatment for your nose, and if you will be able to get a more aesthetically pleasing look by having rhinoplasty performed. Ricardo de Silva is with PlasticSurgeonPractices.com – a directory of plastic surgeons. Visit us to read more plastic surgery articles. Article Source: http://EzineArticles.com/?expert=Ricardo_Silva http://EzineArticles.com/?Rhinoplasty—The-Most-Common-Of-Nose-Jobs&id=219402 online auto loan bank construction loans legal bad credit cash advance loans easy loans with no credit check baton rouge online car loan application
Posted by marsha in 01:34:09 | Permalink | Comments Off

Saturday, May 24, 2008

Zen Shiatsu And The Life Cycle Of The Amoeba

By Tony JD Brown Shiatsu is about balancing the energy flowing in the human body. The skilled practitioner is able to feel this energy under their hands but at the same time relate that to the emotional and spiritual needs of the client. This sounds like a complex task but thanks to Zen Shiatsu’s founder Shizuto Masunaga beautiful distillation of his theory all of this complexity disappears. Shizuto Masunaga was not only a master of Shiatsu but a professor of psychology at Tokyo University. He developed his Zen Shiatsu style by combining his extensive research into the ancient traditions of Chinese and Japanese medicine and his Western medical training. His theory of human energetics was eventually simplified into what is now known as the Life Cycle of the Amoeba. Stage 1 – Vitality through exchange For an amoeba to be an amoeba it has to distinguish itself from the surrounding chemical soup. It has to create a border. All cells have a border that contain the nucleus and this border is permeable to allow nutrients in and to let waste products out. Humans have their border too, the skin. We also have the Lungs where we allow oxygen to enter our bloodstream and the Large Intestine where we let waste products go out of the body. This is our identity, our structure; but like the amoeba we need it to be permeable to let energy in and waste out. Stage 2 – Hunger and satisfaction Once the border has been identified the amoeba has to feed itself. It must identify food and reach out to grab it and digest it. Humans have hungers for food but also for more complex morsels like money, power and material goods. If we cannot attain them, sometimes we just satisfy our needs in other ways. Stage 3 – Central control and conversion Having digested that tasty particle, the amoeba has to process it to make it part of its own structure. This is where that hamburger magically transforms from being a MacDonald’s to muscle, bone or fat. We have to do this with knowledge and information too. We may be able to swallow an idea but can we understand and use it in our own way? Can we sort out the good ideology from the bad? Stage 4 – Impetus away from danger Amoebas are potential food for more complex creatures and so need a way of detecting dangers and escaping. We may no longer live in a world of Sabre Tooth Tigers but we still have a fight or flight response. Our dangers may be a pressing deadline at work or a spider in the bath but we need to respond appropriately to the threat. Stage 5 – Circulation and protection The amoeba lives in a watery world full of other amoeba. It needs to respond to the changing environment and live in harmony with its neighbours. Humans too need to respond to changing weather conditions, bugs, bacteria and pollution. A healthy circulation has long been recognised as a way to keep the doctor away. We also have to live with other people. This is another border to our body that extends outside of the skin. Call it the energetic border or personal space but we all recognise it and don’t like people violating it. We only allow someone into that space when we grow to trust and love them. Stage 6 – Choice of direction Our amoeba is now well fed and can cope with bigger creatures and the environment. It can build up reserves of energy and start to make decisions about its future. The human world is full of decisions and we are expected to make them constantly draining our energy reserves. Sometimes we get stuck and are unable to decide what to do or can decide but unable to act on that decision. All of these energies are present in the body and are represented in the different meridians on the body. The trained practitioner feeling the qualities of this energy and comparing it to others can start to make decisions about what is going on in the client. Tony Brown is currently studying with the Shiatsu College in Brighton. He started www.ShiatsuBlogger.co.uk to share his experiences of learning Shiatsu with fellow students. Article Source: http://EzineArticles.com/?expert=Tony_JD_Brown http://EzineArticles.com/?Zen-Shiatsu-And-The-Life-Cycle-Of-The-Amoeba&id=371651 loan payday short term military loans bad credit auto lenders advance america cash advance loans til payday
Posted by marsha in 06:10:39 | Permalink | Comments Off

Wednesday, May 21, 2008

Work in the Company That Suits You

By Denis Glover All of us want to make a glorious, fantastic and stunning career. We dream of earning a lot of money and at some definite moment delegating our business to our children. We plan spending the rest of our lives somewhere at the sea shore, in the country of the bright sun, warm climate, delicious fruit and cheerful people. Each of us has a desire to work and progress, we are full of ambitions, we are patient enough, we are fast learners, smart, energetic With all these qualities we are a dream of every employer. But never make hasty decisions about joining a new company. First of all you should find out if your work in this company will be rewarding, harmonious and convenient for you, in brief, how well this company suits you. Psychologists distinguish four main managing styles: authoritative, marketing, bureaucratic and participative. Being aware of the peculiarities of every style will help you to play cards right when sending out your curriculum vitae to this or that company. The company with authoritative style has a strictly hierarchical structure: relations between the directors and subordinates are predetermined. This is a company for those who like fulfilling particular orders, those who prefer fixed system of relations and count on long term growth perspective. This is your world if you are used to take into account the slightest details and be satisfied with a definite position in the company. In marketing oriented staff everyone pursues his own benefits. Units of brokers, associations of managers refer to this category. These organizations are temporary and their aim is to make the highest possible profit in the shortest period of time. The basic law here is efficiency and the main aim is profitability. An employee should be independent, self- confident and have his own ideas for making money. Not everyone can stand such a tension. In these companies they value the opinion of every person but only in the sphere of his project. Sometimes your ideas can be stolen with out your permission. Bureaucratic organizations offer paradise for petty tyrants. It suggests heaps of useless paperwork. You can play either a role of tyrant or of a victim. But both of them are so repulsive, as for me. Participative managing style is the most well balanced of the four. Every member of staff contributes to the development of the organization. They value your opinion just because a fresh idea is at times better than advice of the professional with thousands of problems. The company works according to the principles of an ideal team: everyone does what he is best at, besides he adds up to building up the ideal pyramid with small bricks. It is not always better for a person to work in an ideal company than to have his own business or follow the instructions. Before writing your resume objective, think if you will be able to become an independent and indispensable unit of such company. Before taking over a position in the new company, make a preliminary analysis of the company managing style. If you rely on long term employment in this company, dont think you will adapt to its rules if they contradict your nature. Only working in harmony with your inner world will bring you positive results instead of constant fatigue and self dissatisfaction. Denis Glover is a senior writer at ResumesExperts.com – Resume writing service. He has 14 experiences in business writing. He applies his expertise in helping job seekers compose all the documents necessary for application for a job from stating the resume objective to writing professional curriculum vitae. Article Source: http://EzineArticles.com/?expert=Denis_Glover http://EzineArticles.com/?Work-in-the-Company-That-Suits-You&id=149307 loan money to friend for something in return hard money lenders in tn wal-mart paycheck stub cash advance jsaper texas
Posted by marsha in 07:49:07 | Permalink | Comments Off

Tuesday, May 13, 2008

Passover Gifts – Now This One Meaning You Don’t Want To Miss

By Dale Pindling What is the purpose of the the Matzah Cover and Matzah Plate? To understand the purpose of the Matzah Cover an Matzah plate, one must first think consider the meaning of Matzah.Matzah is the only type of bread which Jews can eat during Passover and it is made from Flour and water. On the night that the Pharaoh let the children of Israel go , the children of Isreal had no time to bake their bread. They had to get out of Egypt as fast as they could before the pharaoh changed his mind, so they could not bake their bread. If you know anything about bread then you know the result of not baking your bread, the yeast in the bread does not get an opportunity to rise. So here you have the Children of Israel fleeing Egypt in the broiling sun with the bread that has not risen If you know anything about the broiling sun when it makes extended contact with bread then you would know that the bread slowly turned into flat unleavened bread. And as the Children of Israel had no other food they ate this flat unleavened bread. Now fast forward many generations and all Jews celebrating Passover eat this Matzah. The Jews eat this Matzah in memory of all of those who ate the Matzah on their way out of Egypt thousands of years ago. Called the bread of affiliationMatzah is eaten during the Seder feast. 3 portions of Matzah placed are placed on Matzah plate which is then placed next to the seder plate. The three Matzahs are in specifically in place to remember the Isrealite, Levite and Kohanim tribe of Jews from the past. Our Matzah cover then comes into use in covering the Matzah while it is not in use. A cloth is placed over the Matzah plate and matzah and then the required Matzah cover is placed on top. At a point in the meal, the seder leader takes and hides one portion of Matzah for the children to find in a sort of game. The Matzah is then eaten a few more times, by itself and/or mixed with other foods during specific sections of the seder feast. *The Matzah cover has threes opening which can also be called pockets. Each pocket is used for one of the three Matzah used in the Passover feast. Learn more and more about religion at Allaboutreligion Article Source: http://EzineArticles.com/?expert=Dale_Pindling http://EzineArticles.com/?Passover-Gifts—Now-This-One-Meaning-You-Dont-Want-To-Miss&id=491836 need a gauranteed payday loan today instant approval personal loans faxlesss payday lenders jackson cash no teletrack payday loan
Posted by marsha in 03:37:33 | Permalink | Comments Off

Sunday, April 27, 2008

What is the Number One Way to Avoid Holiday Weight Gain – Without Deprivation?

By Monica Shah SLOW DOWN. Yes, I know youve heard it many times, stress is the precursor behind so many diseases some would even say that it is the cause of all disease. But did you know that stress; even small amounts of chronic low level stress can stop digestion all-together, and in effect slow down your metabolism? Here is how it works. In the moments of stress, heart rate speeds up, blood pressure increases, respiration quickens, hormones such as adrenalin are released and blood flow is routed away from the midsection and into the arms and legs which allows you to run away. The sympathetic nervous system which is in charge of this stress fighting response is also in charge of shutting down your digestive system. It does not matter whether you are eating a plate of greens or a hamburger the food will just sit in your stomach like a brick until minutes or hours later when the body kicks back into normal digestive functioning. Regularly slowing down digestion in this way also slows down metabolism. Think of every time youve run out of the house with your breakfast in hand, or scarfed down your salad in front of your computer. Did you ever feel like the food just sat in your stomach or caused fatigue? Weve all been there. The most poignant example in my life is one about pizza. I can easily enjoy a few slices of pizza with my friends in a relaxed restaurant on a Friday night and still have plenty of energy to party for a couple of hours after the meal. But when I eat a slice of pizza on the run, it seems to take more time and energy to completely digest my meal. Even at 4:00, I feel heavy and sleepy. Has this ever happened to you? Burn more calories while you relax. I just met with a college student who had just returned from a semester abroad in Italy. Though she made no changes to her diet, she shed fifteen pounds on the trip. Her only explanation was I was just happier there. She had significantly reduced her mental and emotional stress. Not only does stress prevent proper digestion, but it also increases cortisol production in the body. Cortisol is one of the hormones responsible for signaling the body to store fat and not build muscle. So this holiday season take a few minutes to slow down and take deep breaths before any piece of food crosses your lips. Be aware of how quickly you are eating and take an extra five minutes at your meals. Chew your food and relish every morsel. Avoid the mental stress of guilt and shame that we all have around holiday treats. Allow your body to digest and relax and you just may get through the holiday season without having to loosen your pants. Founder of Ideal Balance, Monica Shah is a holistic nutrition and life balance expert. She helps busy professionals find simple ways to eat better, exercise and find more balance in their lives. Often called the irreverent nutritionist, Monicas approach to being healthy is simple, fun and long-lasting. To find out more about her program and to sign up for her FREE initial consultation and FREE nutrition tips please visit http://www.idealbalanceinc.com Article Source: http://EzineArticles.com/?expert=Monica_Shah http://EzineArticles.com/?What-is-the-Number-One-Way-to-Avoid-Holiday-Weight-Gain—Without-Deprivation?&id=480223 how to add rent to credit report credit cards for poor cre home mortgage refinance with poor credit tips for improving credit scores
Posted by marsha in 10:32:58 | Permalink | Comments Off

Monday, April 21, 2008

Secured Loans: Risky But Full of Lucrative Benefits

By [http://ezinearticles.com/?expert=Daniel_Johns]Daniel Johns Secured loans are highly risky for the borrowers. In this loan the borrowers need to offer their home as collateral. This means that the lender can take possession of the collateral in the event of failure from the borrowers side. There is every possibility for the home to be lost because of the uncertain nature of financial Market. In spite of that people in large number are taking secured loans to fulfill their various needs. To speak the truth, a secured loan offers some lucrative benefits which the borrowers find highly useful. So a good number of people do not hesitate to risk their property. First of all, a secured loan provides the borrower with the benefit of low interest which every borrower hankers after. Secondly, it gives him a chance to take out a large amount; so he can initiate a big financial venture. Then there is the provision of repaying the loan in small monthly installments. Thus the benefits provided by a secured loan outdo the risk factor involved in it. Whats more, being sure of getting his loaned amount back the lender keeps all the terms and conditions in favour of the borrower. So it becomes rather easy for the borrower to manage the loan; so the risk of losing the collateral eliminates to a larger extent. Yet, it is necessary to explore the loan market in search of a [http://www.e-secured-loans.co.uk]secured loan which provides the borrower with easily manageable terms. After all, washing your hands off your home is a great loss. It will cause trouble not only for you but also for your wards. So compare various packages offered by different lenders and opt for the one which suits your repayment abilities in the best manner. Daniel Johns is the webmaster of http://unsecured-loan.loans11.co.uk deals in all kind of loans such as unsecured loans, [http://unsecured-home-improvement-loans.co.uk]unsecured home improvement loans, bad credit unsecured loans, secured personal loans, bad credit secured loans, etc. Article Source: http://EzineArticles.com/?expert=Daniel_Johns http://EzineArticles.com/?Secured-Loans:-Risky-But-Full-of-Lucrative-Benefits&id=239107 totally free credit report whats the lowest credit score i could have and obtain a mortgage lancaster county bad credit cars free credit score gov
Posted by marsha in 21:16:06 | Permalink | Comments Off