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Volume 3 Issue No. 10

Serving the Inland Empire and High Desert Communites

October 2012

Easy Halloween Recipes: What's on Your Halloween Menu?

Enterprise Funding Arranges Small Business Loan For Ontario Restaurant RIVERSIDE, Calif. ­ Enterprise Funding Corp., a for­profit business that helps arrange 504 loans through the U.S. Small Business Administration, will soon see some of its work pay off with the opening of a restaurant near Ontario Mills. Holiday Cafe is expected to open “any day now” at 931 N. Millken Ave., said Brianne Sceranka, closing officer with Enterprise Funding. The restaurant, a potential competitor to Farmer Boys, was developed with a $1.4 million loan, 40 percent of which – about $413,000 – was put up by Enterprise Funding. Fifty percent of the loan was put up by Capital Bank, with the remaining 10 percent provided by the borrower. That 50­40­10 formula is the standard breakdown with 504 loans, which are generally limited to $5 million, Sceranka said. The 504 loan program loans money to established businesses so they can buy fixed assets, usually a building that the business wants for expansion. Holiday Café qualified because its owner, the Kosmides family in Ontario, already owns a restaurant in San Pedro.“They’re exactly the kind of

business the 504 program is designed to help, a small, family­owned business that is looking to get bigger,” Sceranka said of Holiday Café, which will cover a little more than 3,000 square feet and employ up to 20 people. “It’s a good location, close to Ontario Mills. They should do very well there.” Enterprise Funding does an excellent job making a complicated easy for the borrower to understand, said Rick Abrego, vice president and business development officer with Capital Bank. “All SBA loans are difficult to process, but Enterprise Funding does a great job of getting people through the process,” Abrego. “I’ve worked with them on a number of loans and they’re always very helpful. You have to have a lot of respect for how they go about their business.” About Enterprise Funding Corp Enterprise Funding is a for­ profit company that specializes in 504 loans from the U.S. Small Business Administration. Founded in 1983, Enterprise Funding is one of about 260 community development companies in the United States that works with 504 loans.

Planning a Halloween feast? There is nothing more fun to have on hand than easy Halloween recipes. It’s great to watch partygoers partake in halloween treats such as brains, eyeballs, and toes. It not only makes the party fun, but it makes it memorable as well. Here’s one of my favorite Halloween recipes – Yummy Brains. What you'll need: 2 3 oz. packages Berry Blue flavored gelatin, 2 cups boiling water 1 16 oz. package frozen mixed berries, 1 cup crushed pineapple, with juice, 1 teaspoon black gel food coloring, 2 cups heavy whipping cream, whipped to stiff peaks, 2 brain molds (try WalMart) Dissolve the gelatin in the boiling water, stirring until no sugar crystals appear. Place the berries in a food processor and pulse until the berries are very fine. Stir in the pineapple and mix with the gelatin. Stir in the black food coloring and place in the refrigerator (or the freezer if you're in a hurry) until syrupy and beginning to set. Fold in the whipped cream. Spray the inside of the mold or bowl with non­stick spray and pour the gelatin mixture into the molds. Refrigerate 3­4 hours until set. To unmold, place the molds in a bowl of hot water; let sit a minute or two, then place a plate on top of the mold and invert. The brains will fall onto the plate and will be ready to serve. MMMM! You'll need a supporting cast for the brains. So how about trying out some deviled eyeballs? Basically, these are deviled eggs with a green or black olive in the middle. In the event you do not know how to make deviled eggs, here’s what you'll need: 12 eggs, hard­cooked,

cooled and peeled, 24 green or black olives stuffed with pimientos, Miracle Whip or mayonnaise, Mustard, Red food coloring, Tabasco (optional) Slice eggs in half lengthwise. Remove yolks and place in medium bowl. Use a pastry cutter to mash yolks well. Add Mustard and Miracle Whip in a 2­1 ratio to create a paste. Add drops of Tabasco to your heat comfort level, then a few more. Fill egg white halves with yolk mixture, rounding and smoothing the top of each. Push a whole pimiento­stuffed green or black olive into the center of each yolk well, stuffed side up. Use a toothpick dipped into red food coloring to draw tiny wiggly red lines on whites, to simulate capillaries. You now have some eyeballs ready to eat! Another of my favorite Halloween recipes is Monster Toes. This easy Halloween recipe should cover your table from head to toe. You’ll first need cocktail wieners. Cut a wedge into the end of each wiener to make a place for the toenail. Cut flour tortillas into 4 inch long by ¾ inch wide strips. Roll each wiener into a tortilla strip. Secure with a toothpick and place on a cookie sheet. Bake in a 350 degree oven for about 7 minutes. After removing from oven, fill the toenail with ketchup and serve. Ewww, but yummy – all at the same time! Halloween recipes are fun to make and even more fun to eat. There are a lot of creative ways to make easy Halloween recipes – just use your imagination and then enjoy watching your guests eat their scary treats!

ROSEMEAD, Calif.,— A new smartphone app from Southern California Edison (SCE) now makes reporting or checking on the status of an outage quick and simple. The “SCE Outages” application includes an interactive map that allows customers to quickly find outage information — including the location and size of outages and estimated power restoration times — all in a mobile­friendly and easy­to­use interface. "We heard our customers’ concerns loud and clear – reporting an outage via a mobile phone was extremely difficult and time­consuming,” said Erwin Furukawa, SCE senior vice president of customer services. “We need to be able to communicate quickly with our customers, not only to get their power restored as quickly as possible, but to make sure their safety is a priority at all times.” The new SCE outages app was developed in response to customers’ requests for improved communication regarding service

outages during past storms. This free mobile application for iPhone and Android devices now enables users to conveniently report power outages, street light outages, or check on the status of a planned or unplanned outage. As an important safety reminder, if you see a downed power line do not approach or touch it and call 911. Customers can download the app from the Apple App Store or the Google Play Store. For more information, visit Like us on Facebook ( and follow us on Twitter at About Southern California Edison An Edison International (NYSE:EIX) company, Southern California Edison is one of the nation’s largest electric utilities, serving a population of nearly 14 million via 4.9 million customer accounts in a 50,000­ square­mile service area within Central, Coastal and Southern California

SCE Has Launched A Mobile App For Easy Outage Reporting

Charity Wine Dinner Supports Chaffey College Fund­A­Dream

Proceeds will support local scholarships and job placements through business internships INLAND EMPIRE, Calif.– CREW (Commercial Real Estate Women) Inland Empire is hosting “The Glass Slipper” charity wine dinner on Thursday, October 11. The event will kick­off at 5:00pm with a tour of the new Sheraton Fairplex Conference Center in Pomona. The main event will start at 5:30pm and includes a full dinner, complimentary wine and a silent auction. This charity event was established two years ago to raise funds to provide scholarship opportunities to local young women pursuing careers in commercial real estate and this year will also support the Chaffey College Foundation Fund­A­Dream scholarship program. The Fund­A­Dream program provides individuals the opportunity to receive workforce prep training in specific trades, not just focus on earning a degree. “This program is a great way for businesses to invest in their own

workforce and help bridge the gap between basic education and actual career preparedness,” said Jeanne Batista, president of CREW Inland Empire. “Our event will allow attendees to network and share time with friends–while raising funds for the Chaffey College Foundation.” A portion of the proceeds will also go to CREW Inland Empire’s scholarship program, which aims to mentor and increase the number of women working in commercial real estate and related industries. “Combining networking, food and wine, and a chance to support scholarships for women in the real estate industry helped make last year’s fundraiser a sold out event,” said Iris Patronite, CREW Inland Empire special events board member. “We are again inviting the local community and business members to join us for good food, wine and a chance to give back. Basically a chance to – Sip, savor,

socialize and support.” Local business and community members are invited to support the cause. Attendance is $75 or a table sponsor is $500. Register at www.crew­ About CREW Inland Empire CREW Inland Empire is a member of CREW Network, the Commercial Real Estate Women Network, and is comprised of members serving local San Bernardino and Riverside County markets. CREW Network is the industry’s premier business networking organization with more than 8,000 commercial real estate professionals in 74 major markets across North America. It is dedicated to advancing the success of women in commercial real estate and commercial real estate related fields of study and provides networking, business development, leadership opportunities and professional education. For more information visit, www.crew­



October 2012

Is Your Computer Running Slow? Here are Some Tips To Speed It Up You have much space available in your PC hard disk. You have the latest available capacity of SDRAM installed in your PC. You have all the unnecessary programs deleted. You make systematically use of your partition of the hard disk. You have kept an external hard disk to store all the movies, videos and the songs. But even then you might feel that you are working on a slow PC. What went wrong? Apart from space and memory there are more factors that affect the speed of the PC’s. It is the way the information stored in the hard disk and the registry of the PC. Also are the virus and the spy ware programs that harm the internal process of the PC’s. Every time we work on the PC we save some files that we need. There are millions of empty blocks in the hard disk where data is stored. As you save more files the blocks space between data stored in file increases. Also as you delete the files the blocks in between becomes empty. This scattered data many times can slow down the PC. Fragmentation of the hard disk re­arranges the data in the blocks and also removes any error in the blocks improving speed of the slow PC. Registry keeps the track of all the software in your PC. Every time you run particular software or boot your PC registry is referred. We download

many programs, software and games from the Internet. When we do not need them we just delete the folder where they are stored. But what about the entries made in the registry? How do we delete them? Finally after a long time the registry gets loaded with numerous entries wanted, unwanted, corrupted and so on. This makes a huge effect on the working of your PC. So always delete the software using the uninstall option from the control panel­ Add/Remove Programs. One can also go for registry cleaners once in a month or two. This will maximize the working speed of your slow PC. There are many web sites which are unreliable. Especially those who allow free download for any software or games. The virus gets silently downloaded into your PC without your knowledge. These viruses can do damage to the system to any extend. Installing antivirus and always downloading from a trusted site is the best thing to protect your system from becoming a slow PC. Try these things to see the difference in performance of your system. 1. Use a self diagnostic registry cleaner­ Corrupt registry, problem in temp files, unused software applications, inadequate hardware configuration are some of the factors that actually slows down your system. A self diagnostic program can lead you to the core of your systems speed

crisis.2. Run a spyware sweep­ Spyware programs are major problem that a slow PC needs to deal with to improve its speed. They not only hamper your systems performance in terms of speed but also collect your personal information when you browse internet. They distribute it to many unknown advertisers on internet. 3. Update your antivirus and antimalware program regularly­ like spyware programs virus and malware programs can also be too troublesome for your PC. No doubt, they turn your computer into a Slow PC but they also use your resources to generate popup ads and also to send spams. Regular virus scans and maintenance of your system can help you to maintain the maximum speed for your computer. 4. Upgrade RAM­ Sometimes your computer is not able to run at its maximum speed because of inadequate memory space. Increasing RAM can help you in this case. Multitasking needs lot of programs to be loaded in RAM and insufficient RAM makes it difficult for your computer to work faster. Slow PC can really be a nuisance if you are really looking upon your computer to finish your important tasks as soon as possible. But few simple things like those mentioned above will always keep your system running at its highest speed.

Enterprise Social Networking Site Yammer Product Analysis

Yammer is a corporate social network service launched in September 2008, the growth is very rapid, and in less than three years time, it already has more than 100,000 corporate users in more than 160 countries and regions, including the wealth 85% of the 500 companies ... Cisco, Groupon, Adobe, AMD, Intuit and other

companies are Yammer Yammer website said user. ,7­11 this year, Ford Motor Company, Southern Company, Shell and SuperValu have become Yammer customers. Positioning determine success or failure: what Yammer positioning? Facebook positioning public groups, Yammer

positioning of enterprise groups. Facebook is no threshold, people can register. Yammer enterprise users via E­mail registration. It locked segments and corporate users. Viewed from this angle, Yammer overall closed, partially open, to provide personalized for each enterprise SNS platform, a working version of Facebook. The Yammer oriented colleagues at any time to express the state: what I am working on, what I'm working on. Yammer is essentially an SNS tool, and be able to make work easier, more efficient. Yammer function­oriented The Yammer theme What are you doing the work. This is a guide, let you publish state organizations colleagues to discuss the creative, ask questions, share links and other information. From this perspective, Yammer is equivalent to the establishment of an internal knowledge base for each enterprise KM, here to save all employee records and question­and­answer dialogue record. It does not have a character limit, you can add photos, documents and videos. Easy throughout the organization completed in a convenient platform for the sharing of knowledge, transfer of experience, wisdom upgrade. Companies often have different project team through the Yammer project­based time management, team members can be above the daily schedule, weekly plan, monthly plans. Daily work can be updated in real time, managers can keep abreast of the progress in the development of the developers. The full­text search and tagging features enhanced convenience and systematic knowledge management. By a different label, the employees can browse the different knowledge base classification system to learn the knowledge; through full­text search capabilities, you can search for the state of past users to publish and upload the document content. Yammer's full­text search, text search the contents of Word documents can easily find the relevant documents. The Yammer need the implementation of the Business Yammer the above characteristics also makes the corporate Yammer need a separate familiar with knowledge management staff to implement the operators and operations personnel all documentation tab "Q & A" tab "reasonable organization and management of uploaded documents to form an internal "knowledge­ based systems. In enterprise collaborative aspect of the work plan, the project manager should be forced to project personnel to use Yammer Entry "weekly plan" or "work plan", so as to facilitate the administrator at any time to view the work status of employees. Yammer's purpose is to make the work more efficient, if the user information is not standardized, are likely to lead to lower employee productivity, therefore Yammer operators need to implement in the enterprise. Yammer in the end do what things Yammer can bring enterprise rigid demand for enterprise use Yammer? 1. In the URL Favorites folder (like

Delicious) 2, and the e­mail exchange, released less urgent information 3, Knowledge Base, upload DOC, PPT files, the formation of knowledge precipitate and fast query text search. 4, the mobile office, by phone anytime, anywhere access. 5, the corporate address book 6, sharing, voting, quiz, Conference Management 7, project management, time management The domestic class Yammer enterprise social several development direction 1, the to Sina microblogging direction of development, highlight the convenience of communication exchange, this direction of development will eventually toward the nature of the microblogging platform development, the structure fundamentally biased in favor of sharing the Chat class information, for the enterprise, the enterprise Managers will consider how to guide employees issued and work­related information, which will increase or decrease the efficiency of the staff is a doubt. Enterprise social platform is a real name of the community, to facilitate communication between the user, can not have a lot of entertaining applications Sina microblogging, otherwise it will affect the efficiency of the office, the office type applications can include schedule management, time management, task management, e­mail communications, project management, customer relationship management ...2 to platform direction of development, to provide an open platform, the introduction of a large number of third­party applications, making it a large and enterprise information platform. The reason for this line of thinking is that internal exchange platform is not sufficient to attract users, so we need something rigid, such as project management tools, scheduling tools. The early stage of development of this model will be very difficult, because the basic function, if not attractive, its value­added features also difficult some people will use. Vertical development, basic functions focused on communication, at the same time to the development of additional features, such as: 1 KM to the corporate knowledge base and document management system development; 2, the internal HR and workflow development. Summary Rumored that Microsoft's $ 1.2 billion acquisition of Yammer, the other a lot of people surprised, at the same time you can see the value and potential of social networking sites is huge, in fact, Microsoft has long seen the trend of development of the enterprise social network, for which it also introduced own enterprise social tool SharePoint. But SharePoint is not a successful product deployment process is very cumbersome, and poor cooperation and interaction, Yammer can just replace SharePoint dysplasia products. Analysts believe that the use of enterprise social future will be very common, and Internet field is in a large change of the times, to cloud computing, moving into a unique enterprise social applications will play an active role in the new world.

Coming to America by Air and

How American Food


came to America in 1995 as an undergraduate student. My weight was one hundred and fifty (150) pounds. Over the next 16 or so years, I gained over 100 pounds because of food choices and a lavish lifestyle. In April of 2011, I got a medical scare that forced me to make a U-Turn in the way I was living my life. As of today, I have lost 70 pounds and I continue to lose weight. Read my book and follow my journey to weight loss and better health.

and a Western Lifestyle Led Me to

Gain Over 100 Pounds Rich Foods and American Lifestyle

By Ethel Martin­Miller| Publisher ISBN 978-1469942469

9 781469 942469

Betty Beatrice Akinyi Odak

Well, we are now approaching the last quarter of 2012 and looking back on some of the goals that most of us set for ourselves in January that will be pending in just a few months. Yes We Can Newspaper also had some goals planned for 2012, Our goals were to provide good content and positive stories to our reader in the community. We reach out on a daily basis to find individuals that are willing to share their stories with our readers. This month I thought I would capture our newspaper’s name and place it in front of

different goals which will encourage you to start today on your goals.

When in a race I have noticed that the runner starts off with a quick start and then starts to get tired, but when seeing the finish line he tries to find some more energy that will help him reach the finish line, even if he can’t get the energy to win he will keep running just to cross the finish line. The finish line of our goals are just a few months away, so I thought I would encourage all of you to dig deep to accomplish your goals.

Pre­Arranged Funeral Planning 738 East Highland Avenue San Bernardino, CA 92404 (909) 882­1288 (909) 883­4846

P l a ce Y ou r AD H er e Ca l l

Business Alliance Partner


Yes We Can Newspaper Staff

Publisher: Ethel Martin­Miller Managing Editor: Gary Martin Associate Copy Editor: Josephine Williams Associate Copy Editor: Karli Jayde Martin Staff Photographer: Sharron Thompson

Contributing Writers

Jim Hague Jo Anna Payne­Jones Ph.D

To Advertise Contact (909)278­7046

Letters, Articles, Personals replies and comments appearing in the Yes We Can Newspaper reflect the opinions of the writers, and do not constitute an endorsement by the Yes We Can Newspaper or staff. Yes We Can Newspaper assumes no responsibility for articles, letters or press releases and unsolicited material. Decisions as to the editing and publishing of materials are on a space availability basis. All rights are reserved on materials accepted for publication unless otherwise specified.

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October 2012

Small Business

Starting An Online Business From Home

By Jon Allo

The current ongoing recessionary climate and increasing unemployment levels mean many people have started to realise that they need to take control of their future and not rely on just one income stream. Setting up and earning from your own online business is not only exciting, but also will help with the monthly bills and expenses. But what are the things needed to be able to succeed with your own online home business? What must you have within yourself to succeed? There is a lot of competition and to be able to rise above the crowd, you must be equipped with just the right stuff necessary to move yourself forward. Here are five characteristics that you will need it you want to succeed with your online business. Invest Time and Effort in Your Online

Business If you treat your home online business like a hobby – that it is what it will be, and probably quite an expensive one! You have to invest time and effort even if direct results do not seem at all apparent. Several months may pass without any good news, but it is important to hold on, wait and to have patience. It will take time for your online home business to grow and for you to see positive results. It is this patience that will stop you from giving up after investing your time and money in the business.Online Entrepreneurs Need Self­determination You must possess self­determination. If you want to succeed in the online home business world you must have the ability to push yourself ahead. You must not be willing to give up at the first mistake (and you will make mistakes!). You need the ability to motivate yourself into scaling greater heights ­ after all you are an entrepreneur and sometimes it can be a lonely journey to success.Set Specific Daily Tasks for Your Online Business If you can set specific goals and tasks for yourself everyday to help build your home online business then you become closer to achieving your ambitions. It is easy to get distracted on the internet, but with self­discipline you can keep your focus rather than spending hours surfing the web and not really achieving anything. Be Optimistic with Your Online Business Negative attitudes should not discourage you building your online home business and pursuing what you have to do in order to make your life better. Associate yourself with like­minded online entrepreneurs who can encourage and help you. Ongoing Learning and Training For Your Online Business You must be wiling to learn and be trained. Trying to work you way through an unfamiliar industry is hard work and there is a lot of potential to make mistakes, waste time and loose money. As with any industry, learning the tricks of the trade is also an important aspect, and your willingness to learn will give you a far better advantage than just trying to guess your way forward. The ingredients to success in building a profitable and long­term online home business such as are diverse, but the most important thing you need to be able to make it successful is within yourself. It is you who has the capacity to do everything to be able to achieve your objectives and the desire which fuels your determination to success is the fuel which should keep the engine going.

Affordable Ways To Conduct Market Research By Simon Volkov

Conducting market research is one of the most important elements of running a profitable enterprise. Research lets owners know how consumers respond to the goods and services offered, as well as providing data as to how consumers find the business online. When it comes to obtaining online market research there are various techniques used dependent on the data required. As an example, online surveys can help owners identify common interests amongst their customers or find out if a new product will be well­received or rejected. Other types of research can be performed to acquire data about the performance of advertising or to identify which marketing methods are best suited for the demographic market. Having access to a variety of analysis data can help owners streamline promotional endeavors and capitalize on market trends. Regardless of the kind of statistics required, conducting research can reveal the answers. Let's briefly review a few of the most common research methods and the benefits they offer. Search

marketing is needed to learn about the various keywords that consumers use to locate information via the Internet. There are several approaches to search marketing, but the simplest method is using keyword search tools offered by Google, WordTracker, and WordPot, to name a few. Search marketing tools are especially beneficial for business owners that have a website. Learning which keywords are most frequently used by consumers helps owners optimize sales copy. Optimized content is needed so search engine providers can properly index content and help visitors find what they are looking for. Online surveys are a cost­ effective method to interact with website visitors. These forms can be customized to ask specific questions about products and services, business operations, or ease in using websites and shopping carts. An added bonus of using customer survey forms is they can be published in places other than a website. For instance, owners could put a survey form on their blog, social networking groups, or via email or electronic newsletters. Owners can take advantage of no­ or low­cost

services offered through established survey sites such as Zoomerang or SurveyBuilder. Consumer focus groups are ideal for business owners who want to obtain a more in­depth analysis. People who participate in focus groups generally receive compensation for their input. Groups can be organized to talk about products, try out prototype products, or discuss business operations. The nice thing about organizing focus groups is they can be conducted virtually in online chat rooms, as well as by phone or in person. Sessions generally last a few hours to acquire detailed information from participants. People who are considering starting a business will need to perform market research to evaluate competition and determine effective marketing strategies. It is recommended to obtain competitive analysis reports to find out if the market can support the new enterprise. Making the effort to engage in adequate market research will help owners avoid costly pitfalls. Those who aren't familiar with the various types of tools ought to hire a reputable marketing agency to help them establish a plan.

Self­Employment Tax Deductions

By Donald Brown

Being your own boss can be a richly rewarding experience, but many people put it off because they fear facing a complex tax system. In reality, the tax process for self­employed individuals can be fairly simple, and offers its own set of rewards.Self­ employment tax deductions are a blessing for those who run their own business, or are planning to set up a new enterprise. These individuals can claim tax benefits that were not available when they were working as employees. Self­employed professionals can use their Social Security numbers as business tax identification numbers, and file taxes under Schedule C or Schedule C­EZ. It is important to understand the two schedules, because each provides a different set of benefits. Schedule C­EZ is intended for use by those with relatively small

business expenses, who finish the year with a profit, have no employees, do not report depreciation and have no need to claim a home­office deduction. Schedule C is for more elaborate business enterprises. In addition to gross income, you will be asked to provide detailed information about your business expenses. Unlike Schedule C­EZ, with Schedule C it is possible to report a loss and realize a tax saving. If you are self­employed, the following tax deductions are available to you: Home Office If you use part of your home merely for bookkeeping and file storage, you may still claim a home office deduction. This is possible even if you spend a good deal of time conducting business outside of your home office. Equipment Expenditure Section 179 is a benefit that allows you to deduct the entire cost of equipment purchased for your business in the same year. This deduction includes costs incurred on purchasing a computer, office equipment, filing cabinet or any other item relevant to your business requirements. There is a limit to this claim, and the

How to Generate Sales Leads For Your Business By Ryan Pauline

What exactly are leads? Leads are basically people that show an interest in your business and have the potential to become paying customers. Gaining these leads is not easy and requires time and effort on your behalf. And, once you have your leads you have to turn them into paying customers and keep them! Below, we are going to tell you how to generate sales leads. Generating sales leads is probably one of the most important parts of your business. If you do not generate sales leads, your business will fail. So, how do you go about generating sales leads for your business? There are several methods that you can use; in fact if you do a search on the internet you will find literally hundreds of thousands of sites offering you the best way to do it. Many of these methods will not work, no matter how much effort you put into it. You can purchase your sales leads. There are a number of companies that will sell you these leads, just make sure you use a reputable and highly recommended company before parting with your cash. Advertising is the best way to generate sales leads. Create a website and a blog site. Write high quality targeted articles about your business and make sure you include links to your sites in your articles. The information must be up to date, highly relevant and written in such a way that people will want to visit your site to learn more. Writing one paragraph about your business and then a load of waffle and filler will turn people away instantly. Advertise your business everywhere, not just on the internet. Place ads in magazines and newspapers, join forums that are relevant to your business area and advertise your sites. Make your advert stunning and attractive and people will look at it. Offer freebies to draw people in, such as free samples, free video training or trial period subscriptions. Everybody wants what they perceive as something for nothing and that is one of the quickest was to draw people in. Make sure that your website looks professional and contains up to date and relevant information. It should be updated regularly to give people something new to hold their attention. Create weekly or monthly newsletters that you can send out to people who sign up to receive them. By providing their name and email address they are giving you permission to target them with email offers and newsletters. However, be careful to ensure that what you send out is relevant as there are very tough laws on spam emails. To generate sales lead, use Facebook, Twitter and MySpace to advertise your business on. These sites receive billions of visitors daily and are an excellent way of getting your message across. Plus, search engines tend to rank sites that have links to and from social networking sites much higher, thus moving your website quickly up the ranks. This makes it much more visible to people who are searching for your type of business and it is much more likely that you will gain genuine sales leads in this way.

allowable amount changes frequently. Check with IRS Publication 946 for the amount you are able to claim. Travel and Entertainment Business­related travel, mileage and a percentage of meal and entertainment expenses are also deductible. Be sure to keep all receipts and be prepared to explain the purpose of the expenditures in order to make these deductions. Health Insurance and Social Security Taxes Deductions are available for health insurance premiums paid for yourself and your family members. A part of the payment you make as social security tax can also be retrieved from your total income. This deduction is available on Form 1040. Self­managed Retirement Benefits Consider opening a Keogh or a Simplified Employee Pension plan to realize greater tax savings. When you file your Form 1040, the contributions that you make to either of these plans from your earnings can be subtracted from your adjusted gross income. If worries about the tax system keep you from realizing your self­employment dream, stop worrying. The process can be a simple one, and the tax breaks available to you can help your dream become reality.

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October 2012

Managing Your Anxieties at Your Current Job

By Stan Popovich

Does your job make you depressed and anxious? Many people get stressed out with their jobs but the key is to know how to manage that stress and

anxiety. Here are some suggestions on how you can manage this stress and anxiety at your job. If your job is very stressful and makes you miserable, this could be bad for your health. You might be able to handle the job at the

present time, but in the long run, it will catch up to you. Determine what your future goals are and start to make little changes now that will accomplish your goals. Do not sacrifice your health for your job.

Talk to the manager if you feel this will help solve your problem. Sometimes, the supervisor might have to step in and do something. You do not want to get into the habit of complaining to your boss so chose your battles carefully. Be flexible. There will always be that will give you a hard time. It could be a bad boss, lazy coworkers, or people that you just do not like. Learn to work with one another and do not complain about every little thing. Learn to go with the flow. A person should visualize a red stop sign in their mind when they encounter a fear provoking thought. When the negative thought comes, a person should think of a red stop sign that serves as a reminder to stop focusing on that thought and to think of something else. A person can then try to think of something positive to replace the negative thought. It is much easier to accomplish something if you know what you want and if you have a plan. Knowing what you want will help manage the stresses and anxieties of getting want you want. Having a sense of purpose can really help you in countering the stresses and anxieties of the situation. Developing goals will help you to be active during your stressful times. In every anxiety­related situation you experience, begin to learn what works, what doesn’t work, and what

you need to improve on in managing your fears and anxieties. For instance, you have a lot of anxiety and you decide to take a walk to help you feel better. The next time you feel anxious you can remind yourself that you got through it the last time by taking a walk. This will give you the confidence to manage your anxiety the next time around. Some places are more stressful than others. Determine the kind of place where you would like to work and go from there. For instance, try getting a job in the nonprofit or government sector. These kinds of jobs are not as stressful than your regular corporate jobs. Remember that your health is the most important thing in your life. Only you can decide if your high paying job is worth the stresses and anxieties that you have to deal with. Take advantage of the help that is available around you. If possible, talk to a professional who can help you manage your depression and anxieties. They will be able to provide you with additional advice and insights on how to deal with your current problem. By talking to a professional, a person will be helping themselves in the long run because they will become better able to deal with their problems in the future. Remember that it never hurts to ask for help.

5 Reasons Why You Didn’t Get the Job: How What You Wore Cost You the Job

By Aisha Jones

The job interview process can be summed up nicely by reviewing the words of the wise zen master that is Carrie Bradshaw, “A first date is just a job interview with cocktails.” However, there is one big difference, there are no beer goggles that can erase the image of a horrible first impression. So here are 5 reasons why your wardrobe may have cost you the job and how you can avoid being a Plain Jane on the next job interview. 1. “Put on your dancing shoes”. You didn’t get the job because you wore flip­flops, sneakers, too­tall stripper heels, scuffed up shoes, or you went barefoot. Yes your shoes do tell a story about you and that story should be that I am confident and want this job. Therefore ladies, you should always lean more conservative (this does not mean Plain Jane) for a job interview. This means that you must wear heels (non­negotiable unless you have a doctor’s note). The heels do not need to be really high. They can be a kitten heel with a one inch height, but they should not be over 3­4 inches. Additionally, your shoes should look like they are in good condition so you may need to take a shine to them. Some of you may be thinking, “Can I wear sneakers with my suit, Ellen Degeneres does it?” Well, until you have the #1 daytime talk show, a Cover Girl cosmetics deal, and are married to Portia De Rossi, you better steer clear of the sneakers during an interview. A plain jane wears flats that resemble house shoes. A well qualified job candidate wears heels ­ no matter how little they are. 2. “I can’t hear you. Your clothes are too loud”. You didn’t get the job because your clothes were too loud. Remember for a job interview, you want to be more conservative. That means you probably need to wear blacks, grays, navys, browns, or maybe ivory depending on time of year. You can have a bright­colored top, but you want to keep the overall outfit a little subdued with just a little pop of color. A plain jane would wear a black suit with a plain white top. A top­tier job candidate would wear the black suit, with a red and white print top and color coordinated

accessories.You might be thinking, “Well if I wear my yellow skirt suit. I’ll stand out from all the other candidates.” You are absolutely right Big Bird, you will stand out, but not for a good reason. If you want to add color to the outfit do it with your accessories. 3. “Is that a solar flare or the glare from your earrings.” You didn’t get the job because your earrings, bracelets, ring, or man­ hole cover sized brooch blinded the interviewer. The motto to follow is less is more, you should use accessories to dress up your outfit and bring out a little more of your personality because you don’t want to be a plain jane. However, your accessories should not overwhelm the outfit. You want them to remember you and your skill set, not the tambourine hanging from your earlobe. The interviewer may be so distracted by your earring that they will not hear your story of how you increased office productivity by 25%. A plain jane wears no earrings to a job interview. A job candidate with a job offer has simple but carefully coordinated accessories. 4. “The pen you can find is mightier than the sword” You didn’t get the job because when you went to get the pen out of your purse and it took you 10 minutes plus a water break due to exhaustion. A messy purse says a lot about you. It can say “I am so busy coming up with ideas that I can’t bother with such trivial matters as cleaning out my purse.” But most likely it is saying “If you think this is messy, you should see what my desk will look like after a working here a month!” As with your shoes, you should choose your best handbag and make sure that it is cleaned out so you can easily find a pen or a notepad. Avoid using a handbag that shows a lot of wear and tear. A plain jane uses a reusable grocery bag as her handbag. A must­have job candidate uses her best handbag for the job interview. 5. “You’re late, you’re late for a very important date” You didn’t get the job because you were late, even a minute late looks bad in the world of job interviews. To avoid this catastrophe, wear a watch. In the age of cell phones, this idea

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may seem old­fashioned. What’s next going to the job interview in a horse and buggy. However the watch is beneficial in two regards: 1) It will keep you on time, 2) It creates the perception that you are on time and responsible. Even you don’t normally wear a watch, this is the one occasion that you should. No need to go visit the Cartier website, you can just go to Target or Walmart to get a decent watch just for interviews and it will pay dividends. A plain jane has a bare wrist. A second round interview candidate wears a watch to the job interview. So you didn’t kill during the job interview and you didn’t get the job. As they say in the dating world, there are plenty of fish in the sea. However during a recession it’s more like sardines in a wading pool, so you need the right bait. Plain Jane equals unemployment check. Knowing what to wear during a job interview...priceless.



Finding God: What is Faith? By Jerry Pollock

A universal question of people of different ethnic backgrounds, languages and beliefs is, “How Does One Find God?” In my case God found me with Divine Miracles and Divine Providence, but in most instances it requires faith. If one’s heritage and upbringing is such that faith in God is strong, then believing and trusting in God is a given. However if one holds on to one’s rational logical mind or sours on God because of evil world events like the Holocaust, faith may never materialize or be lost. What is Faith? One of the best descriptions of faith was told to me ten years ago by a friend on Long Island. “Faith is the bird that feels the Light but chirps when the dawn is till dark.” Faith in God is believing before it actually happens. What happens? That God provides us with evidence of His existence. We believe without proof. Faith is not waiting to see if God makes His entrance on the world stage. Faith is believing that He will once more make Himself known to us as He did back in biblical times with the ancient Israelites. Being an agnostic means you don’t have faith. The same is true if you are a humanist. Your issue in either case is that you don’t see evidence in the world for God or your brain won’t allow you to temporarily give up your rational logical mind. However once you cross over and believe, you pick up your human intelligence on the other side so that your faith stands alongside your reason. The physicists Isaac Newton and Albert Einstein both had faith in very different personal ways. Nevertheless they both knew there was a more powerful Supreme force at work than the brilliance of their

physics theories of the universe. As one physicist puts it, “If we have to explain physics only by physics, we won’t be able to explain physics.” The Battle for Faith: The struggle for faith is therefore really a battle between our Divine Soul and our Human Brain. Faith is outside the realm of our body as it originates inside our soul. Very near our heart we have an innermost point of God’s electromagnetic energy called in Orthodox Judaism the pintele yid. This kinetic energy needs to be activated in order to initiate the sparks of faith within ourselves. In Buddhism this central point is referred to as kernal. If our left brain closes off this central point of energy which was placed in all human beings by God, we will choose not to believe in God although we can still lead a meaningful life without turning on our pintele yid. Humanists are perfect examples of beings who lead philanthropic and righteous lives without believing in God. Spirituality however by my definition requires belief in God. The more we activate our Divine sparks, the closer we come to God as we climb God’s spiritual ladder. Almost three thousand years ago, King David would wake up each night at midnight and strum his harp. The more intense the sounds of his harp, the more he was activating the sparks of his pintele yid. King David so valued God’s presence after committing an almost unpardonable sin. What David understood was that we human beings are imperfect but what God values most is that we have truth, honesty, goodness and fairness in our heart and that we repent for our sins. This sincerity of the heart is the core of spirituality and also of true love.

Christian Meditation

By Ryan Paulin

There are many different ways to seek a closer relationship with the Lord and His son, Jesus Christ. Some people chose to grow closer to their Heavenly Father through worship in a congregation, others through deep study of Holy Scriptures. Simply praying can also help people become more attuned to the deeper messages of God. Christian meditation can play a role in fostering an intimate relationship with their Father. The principal behind meditation is very easy to

understand; by relaxing in a calm environment and clearing the mind, a person is able to focus their entire attention on a single object or idea. Freedom from outside distractions allows one to attain a deeply relaxed, yet focused state of consciousness that is very close to that observed in hypnotized people. While in this frame of mind, the subconscious mind is able to devote its attention to the single idea the person wishes to gain fuller understanding of. Achieving a meditative state to receive the word of God is best approached through silent prayer, coupled with contemplation of a specific

Written By Pastor John Clark

A forgery is any the act or crime of imitating or counterfeiting documents, signatures,etc, to deceive. In order to understand what is meant by the RELIGIOUS FORGERY you must understand the difference between the OLD COVENANT and the NEW Will. The OLD COVENANT was between God and Israel Exodus 19:5­8 states: 'Now therefore, if you will indeed obey My voice and keep My covenant, then you shall be a special treasure to Me above all people; for all the earth is Mine. (6) And you shall be to Me a kingdom of priests and a holy nation.' These are the words which you shall speak to the children of Israel." (7) So moses came and called for the elders of the people, and laid before them all these words which the Lord commanded him. (8) Then all the people answered together and said, " All that the Lord has spoken we will do." So Moses brought back the words of the people to the Lord. Deuteronomy 4:13 "And he declared unto you his covenant, which he commanded you to perform, even

ten commandments; and he wrote them upon two tables of stone." Deuteronomy 5:1­3 " And Moses called all Israel, and said unto them, hear, O Israel, the statutes and judgments which I speaks in your ears this day. That ye may learn them, and keep, and do them. (2) The Lord our God made a covenant with us in Horeb. (3) The Lord made not this covenant with our fathers,but with us, even us, who are all of us here alive this day. This covenant was sealed by circumcision Genesis 17:9­14 (emphasis on verses 10 & 14)" (9) And God said unto Abraham, Thou shalt keep my covenant therefore, thou, and thy seed after thee in their generations. (10) This is my covenant, which ye shall keep, between me and you and thy seed after thee; Every manchild among you shall be circumcised. (11) And ye shall circumcise the flesh of your foreskin; and it shall be a token of the covenant betwixt me and you. (12) And he that is eight days old shall be circumcised among you, every man child in your generations, he that is in the house, or

When we trust in God and especially allow ourselves to be guided by God, we find life itself. As David’ son King Solomon said in his Book of Proverbs, “When you find God, you find life.” That doesn’t mean that you live a strictly spiritual life without enjoying our physical world. As my wife Marcia told me repeatedly while she was alive, “Life is a gift.” A quote that I heard that makes so much sense to me is, “Hang onto Heaven but keep both feet on the ground.” Finding GOD: Once we activate our Divine Sparks and begin our spiritual journey, we will no longer have to find God because He will find us. Because He gave us a Divine Soul, God is Omniscient and knows exactly what’s going on in each person, even in the nooks and crannies of the crevices of our thoughts. Our thoughts arise instantaneously in our souls but we can change a not so great thought with a new thought that will become our new Now in the present. The idea is not only to align our actions with our spirituality but also to move our thoughts into God’s realm where we synchronize how we think and how we behave with having truth, honesty, goodness and fairness in our heart, our spiritual core. We should not worry about the thoughts that come into our soul. We ought to just change them and get back on the spiritual path. We can’t help our thoughts. As King David wrote long ago in His Book of Psalms, “And He realized that we are but flesh.” God made human beings imperfect and we have to just accept ourselves. We can however improve our character. God gave us the Free Will to do so in our lifetime.

scriptural verse or verses. The choice of verse is entirely individual, and while a verse may be chosen before hand, often the appropriate passage will spontaneously come to mind during prayer. If a particular scriptural reference comes to mind, then focusing on that verse would most likely be beneficial, whether the immediate benefit is obvious or not. At this point, focus on measured breathing; allow the body to relax and the mind to still itself, and contemplate the deeper meaning behind the scriptures in general, or the particular passage or passages that have drawn attention to themselves. Enter into the quiet space that is within everyone, continuing to focus on the essence and nature of the relationship between the words of the Lord and their meaning to man. Many people, while engaged in this form of silent prayer, find themselves listening for the still, small voice of the Holy Spirit, that voice which comes to all who are open to receive its communications and counsel. The Holy Spirit enters into a person best when that person is in a state of deep contemplation, removed from the distractions of the physical world in which we move. Receiving the word of the Holy Spirit and drawing closer to our Father in Heaven and His son is the ultimate goal of Christian meditation. Unlike eastern forms of meditation, this form of communication is directed outward, seeking a stronger bond with the Lord, rather than inward to find an answer within ourselves. This is the central difference between prayer and mantra. Prayer leads the conscious and subconscious mind away from the bonds imposed by our earthly form, towards a higher state of being, while a mantra

Can You Handle The Truth? Religious Forgery

bought with money of any stranger, which is not of thy seed. (13) He that is born in thy house, and he that is bought with thy money, must needs be circumcised: and my covenant shall be in you flesh for an everlasting covenant. (14) And the uncircumcised man child whose flesh of his foreskin is not circumcised, the soul shall be cut off from his people; he hath broken my covenant." Malachi 3:9 Ye are cursed with a curse for ye have robbed me, even this whole nation: and Ephesians 2:11 & 12 you were uncircumcised, (12) says being aliens from the commonwealth (nation) of Israel. Remember in Genesis 17:14 Anyone not circumcised was not in this covenant. So when He spoke of being robbed by the nation, He was talking about the covenant people only. However there are four things and only four things that the HOLY SPIRIT allowed to be brought over from the Old Covenant to the New Covenant. This was only to keep from offending the godly Jews. Acts 15:28 &29 (1) That you abstain from meat offered to idols;(2) from blood (3) things strangled (4) from fornication.

October 2012

draws the mind inward, away from a true communion with the Holy Spirit. One should always be mindful of the difference between these two states, keeping thoughts focused on prayer and earnestly seeking guidance from the still small voice that will reveal the mysteries of the Lord.

Conk Ouch Blessing By Danada

Am I the only one with blessings? Here goes! We were cutting trees on Monday and one fell on my head when I wasn't looking...CONK...I'm wondering if my neck is shorter now? It must have slipped from my head to my shoulder...OUCH...I've got 10 nice staples in my scalp and a deeply bruised shoulder! This is day 2 so I think maybe I'm still stiffening up...I hear day 3 will be stiffest and then I'll be getting better each day! I'm looking forward to day 4! Romans 8:28 comes to mind regularly and I'm excited to understand WHAT GOOD things are coming out of this! Blessing 1: I've identified what it feels like to truly forgive "as if it never happened"...the way our Lord forgives us...I always knew I was forgiven that way but until this happened I must admit that even though I felt totally forgiven, I still felt SORRY for my historic sins...NOW I'm wondering if the Lord wants us to waste time feeling sorry for sins He has forgiven us of? I don't think so! So, that's ONE good

blessing I've discovered already! Next GREAT thing is Bill said maybe we did this so that he could feel closer to the Lord? I asked him if he feels closer and he says he does...WELL...that is ALWAYS worth a conk on the head! So that is 2nd blessing! I've also changed the words to a "Healing Song" I'm singing when I'm in PAIN. I sing it to the tune from "You've Lost That Lovin' Feeling" are my new words: I've got Your HEALING FEELING,Oh Lord, Your HEALING FEELING, I've got Your HEALING FEELING, And it's Strong Strong Strong, Thank You My Lord! I've considered all my pain to be a healing feeling for a very long friend Cindee set it to the music! My original lyrics didn't include the Lord...but after this experience I understand where the Healing Feeling is coming from and it's AMAZING how I can feel so much pain and sing the song and the pain simply goes away! I'd call this Blessing #3!I expect more blessings will continue showing up!

Welcome To The Well Of Riverside Community

Orange Terrace Community Church 20010 Orange Terrace Parkway Riverside, CA 92508 (951) 233­5887 Sunday Service 12:30PM "Where the healing waters flows"

Pastor Rodney & First Lady Lisa Brewer

Corona Community A.M.E. Church

Antioch Missionary Baptist Church 2343 North San Antonio Ave. Pomona, CA 91767 Office (909) 621­5369 Fax (909) 621­3796 Email Sunday School 9:00AM Sunday Worship Service 10:30AM Bible Study/Prayer Meeting 7:00PM

Pastor William E. Tyler & Mrs. Monee

"Because the Word Works, We’re Working the Word"

321 E. Sixth Street Corona, CA 92882 Telephone (951)371­9233 Email:

Sunday Services 9:00 AM & 12:00 PM Wednesday Bible Studies 12:00 PM & 7:00 PM

Grocery Give-Away Every SATURDAY

“A Heart to Work Rebuilding the Kingdom”

"We kept at it, repairing and rebuilding the wall, the whole wall was soon joined together and halfway to its intended height because the people had a heart for the work." Nehemiah 4:6

Reverend Charles Lee­Johnson & First Lady Monalisa Lee­Johnson



Pastor Ray and Stephanie Velez

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October 2012

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Legal & Finance

October 2012

What Are the Warning Signs of Bankruptcy?

By Jonathan Dawkins

Bankruptcy is essentially an inability to meets one's financial commitments as they become due. Public stereotypes of bankruptcy are often negative and associated with failure, poor financial management and can often lead to the individual being stigmatised by family and friends. It must be stressed however that many people face bankruptcy for a host of other reasons or unfortunate events which are not always entirely their own fault. Drawing upon my experience or dealing with individuals with serious financial difficulties, this article aims attempts to examine the warning signs associated with bankruptcy in the hope that it can be avoided. Warning signs to heed; 1. Ignoring the problem­ This by far one of the largest contributory factors because few individuals like to believe that they are in financial difficulties for a host of different reasons. For some they fear telling a husband, wife or partner that money is problematic for fear of losing credibility with the person they love or ultimately the relationship. Other individuals are unable to accept that they have an obsessive disorder that leads to over

extravagant spending. Still others have just never learnt to budget wisely in the first place. 2. Sleep Disorder/Anxiety­ Stress can often cause anxiety or sleep disorders even amongst the most calm and collected individual. We all suffer from difficulties sleeping or anxiety at some time in our life but if you discover that you regularly fret about your financial circumstances and have difficulties getting off to sleep or wake up in the night worrying about money then this is a sure sign that you need to seek some professional help to address your financial budgeting. 3. Always in Overdraft or maxed out on your credit cards­ It is now socially acceptable now to have significant credit card debts and whilst the use of credit is generally not a problem you should be concerned if you continually find yourself trapped in a cycle of debt where next month's wage packet only just meets last month's debt. 4. Hiding Bank Statements­ Loved one's are often best placed to identify warning signs of bankruptcy in their wife, husband or partner. If you observe the person you share your financial resources with getting to the post each morning it could be a sign of financial difficulties and they may be hiding financial information from you. Of course this conclusion could perhaps only be reached if some of the other warning signs discussed earlier are also apparent. 5. Regularly asking for a salary advance­ Whilst it's perfectly acceptable to occasionally get a cash advance from your employer to help you out of a tight spot should be concerned if you continually seek out your boss before your next pay day in order to obtain a salary advance. At this you should start to realise that you may be heading towards bankruptcy. 6. Language used to describe your financial circumstances­ What has language got to do with anything I hear you ask? Well quite a lot. At a cognitive level as human beings we often try to rationalise and justify our behaviour internally to ourselves and this can be used both positively and negatively in our lives. An example of a positive use of cognition in our financial undertakings would be "I really like those shoes, but I just can't afford them this month." You should however be concerned if you start using some of the following language to describe your financial habits, "I'm just in a tight spot right now", "I'm a bit strapped for cash right now but I'll pay you back", "can you lend me some money until next week". These can all be warning signs that you should listen to that you may be on the slippery slope to bankruptcy.

What Supreme Court Health Reform Rulings Means For California Residents By Dennis Jarvis

So we have a 5­4 decision in favor of most of the Health Reform law's provision with the biggest question mark...the individual mandate being upheld. Needless to say, all the pundits are out in force discussing the macro level effects of this outcome but the language rarely gets down to how the California health insurance consumer might be affected. That's where we come in so let's look at what we can expect now that Reform has passed Supreme Court muster. In the end, Californians want to know how the bill will affect their pocketbook and health insurance coverage. Many of the more popular and less costly features which have already been implemented will continue as is. In this camp, we include the preventative benefit coverage, guaranteed issue for children, and dependent children being able to remain on a family plan till age 26. These are pretty well received even within the health insurance industry so there's not much controversy there. Ultimately, the costs are built into the recent rate increases for most of these although the guaranteed issue for children will likely have a "longer tail" effect. Grandfathered plans are not affected by most of these changes which is why you will find it difficult to get lower rates on the market if your plan was started before 10/23/2010. Those plans do not have the mandates but also the resulting rate increases. Now, let's get into what the Health Reform ruling does affect. The bulk of HR reform's effects will not be felt until Jan 2014 when the Exchanges come on board. This is really the crux of the Supreme Court's ruling. A quick synopsis...starting Jan 1st, everyone will be able to get coverage through Exchanges (health insurance marketplaces) guaranteed issue which means they cannot be declined due to health. As an offset, everyone will be required to purchase health insurance (the so called mandate you'll hear about) or pay a penalty. That point is as the heart of the ruling and most contentious dialog on both sides of the issue. This is real can't have guaranteed issue coverage without some kind of mandate. It's either both or

neither. If someone can get health insurance when they suffer a major health issue, the whole insurance market will fall apart. It's akin to buying home insurance when your house is on fire. Premiums will explode and very quickly, the market unravels. Again, it's either you both a guaranteed issue market AND a mandate or you have neither. Our concern is that we're actually trying to straddle both since the penalty for not having coverage is so low. It's real simple. If you don't have coverage now, would you rather pay a $95 (first year of 2014) or roughly $3000/annually for health insurance premium. Most current uninsured and even many insured will take the penalty until something bad happens. They will then enroll guaranteed issue and you see where this goes. Badly. Congress wanted a penalty but they wanted it to be politically palatable. Yes, the penalty will go up with time but not nearly as fast as the premiums under siege from the above mentioned situation. It's a spiral down from there. So, what should the average California health insurance shopper/enrollee do? If you have a grandfathered plan, it probably makes sense to hold on to it until 2014. You probably won't find better rates. If you need to get coverage, we still have a bumpy (politically) year and half to go before the Exchanges show up. It makes sense to get individual coverage now to bide time till then. At that point, we can re­evaluate the options on the Exchange. Unless you are low income, the exchange plans probably will be very expensive since Congress mandates minimum benefits (which 80% of today's plans couldn't met). There's a huge cost to that. What does our gut say about 2014? In the end, the Reform bill has some good provisions but is almost devoid of items addressing cost. That's right...the one thing we hear every day...cost. If the costs explode (which they will...look at Massachusettes or Tennessee or Group health in California), things will have to change so hold tight, We're really just trying to protect our selves till Jan 2014 and re­ evaluating options then. Until then, prepare for a holding pattern.


Healthy Community

October 2012

Acupuncture As A Remedy for Back Pain By David A Griffiths

If you suffer from back pain you probably would not consider acupuncture as a treatment until you have exhausted many other alternatives. However, acupuncture is a type of ancient Chinese medicine that's been around for over 2,500 years and throughout this time it has been used for back pain relief, increasingly so in these modern times. While it is not traditionally a part of western medicine, nowadays your doctor is quite likely to send you for this treatment if you are suffering from back or neck pain either persistantly or due to accident or injury. If you are going to have this therapy you may want to know a little about how it works. The general belief is that the body has 20 energy flow patterns called meridians or pathways. Through these pathways it is thought that the life force or vital energy flows, this is known as the qi (it is pronounced chee) and is considered to be essential to maintain good health. There are over 2,000 points on our bodies that connect with these pathways and it is at these points which the hair­thin

needles are inserted, this is done in varying specific combinations depending on the treatment required. These actions are believed to either correct the flow of qi or to reinforce it. Even though it cannot be proven that this works as a type of pain relief, it is thought that as a result the central nervous system is stimulated. Most patients say that they get a pins and needles sensation on the insertion of the needles and indeed into the duration of the treatment, which usually lasts about 15 to 30 minutes. Some people report that they feel energised or even very relaxed so it appears as if the effect can be is somewhat different depending on the individual. The Acupuncturist will use up to 20 metallic needles during a treatment session and the depth they are inserted is dependent upon the area, deeper muscular or fatty areas need more penetration and the scalp for example would be just below the surface. The practitioner may turn the needles one way or another depending on what they are trying to achieve, in my personal experience they were turned on insertion, then again about half way

through the treatment. At no point is the treatment painful, there is a mere sensation of the needles going in and they do not feel sharp at all, this is because unlike needles used for injections, an acupuncture needle’s tip come to a smooth point without sharp edges. They are also very thin, about 20 times thinner than a hypodermic needle. In my experience the most troublesome part of the treatment is lying in the same position without moving for up to 30 minutes, especially if you suffer from back pain or similar. Although there are many medical experts who believe acupuncture is an effective way to treat certain conditions such as back pain, there is no true consensus. Some adhere to the theories of qi and meridians whilst others attribute acupunctures’ benefits to the biological changes that are brought about in the body as a result of treatment. Needless to say there will always be the sceptics who deny that acupuncture has any effect at all, but in my opinion if you are suffering from ongoing back pain it is certainly worth trying.

Remedies Which May Help Relieve Gout Pain By Meredith Walker

Gout affects a growing number worldwide with chronic inflammatory arthritis. Originally less common than it is now, the lifestyle of the modern world combined with the availability of foods that contribute to gout has led to more people having the disease. If an individual has gout, this means that they typically suffer from chronic arthritis brought about by the accumulation of uric acid crystals in the joints. These crystals are formed within the body because of high levels of uric acid in the blood, which is in turn caused by several factors, which include genetic predisposition, food intake and lifestyle. Arthritis attacks brought on by gout can vary in intensity, but is often chronic, lasting for days at a time. Without treatment, this can lead to constant pain, and eventually permanent damage that the body cannot recover from. There are a number of ways to treat gout, though the most common method is to deal with the current arthritis attack. Pain relief is possible through the use of a variety of anti­inflammatory medications and painkillers; should the person with gout choose, there are also more natural methods and gout remedies that can relieve the pain and lessen inflammation. Whichever specific gout remedy is used to deal with the gouty arthritis, the next step to treatment is to deal with the heightened levels of uric acid. Making sure the levels of uric acid are more normal is vital, in order to prevent future arthritic attacks. Even modern medicine recommends natural methods of doing this, through the use of diet and lifestyle modification to remove sources of uric acid, and encourage more efficient removal of excess uric acid in the blood. In some cases conventional medicine may prescribe medication to allow the uric acid levels to go down sooner, though this method is only prescribed for more extreme cases. Aside from medication, there are also natural gout remedies that are able to help reduce the levels of uric acid in the blood. These can be used in conjunction with the previously mentioned changes to diet and lifestyle that are recommended to people with gout. Those with gout may also choose to combine both conventional and alternative natural methods and gout remedies to manage their gout. Generally speaking, natural gout remedies are safe to be combined with conventional medications, though it is still best to get advice from your medical practitioner before doing so. With proper use of different gout remedies, arthritic pain from gout can be alleviated and avoided.


EveryDay Living

October 2012

H el p f u l T i p s F o r E v er y d a y L i v i n g : - )

Who Says Building a Garden Shed Can’t Be Fun? Some Ideas and Steps By Doyle Christensen

A Garden shed is normally depicted as a single­story structure where people keep their various gardening tools and equipment. However, homeowners can always add certain features that can make their garden sheds stand out. One of the easiest ways to do this is to add landscaping, such as rows of flowers and a small cement walkway that leads to the shed. Homeowners may also install plant boxes where they can grow vegetables and ornamental plants. Another good idea for a creative Garden shed is to design it like a mini cottage, complete with a tiled roof and medium­sized glass windows. One can also design an open­door shed, which lets homeowners easily access the garden tools that are stored inside. These garden sheds can also feature Gothic arched windows, have a second story for extra storage space, or be as large as a small mountain cabin. Homeowners can easily find a plethora of ideas on the Internet and infuse their own ideas and creativity into the

mix. Once a homeowner knows what his/her lean­to is going to look like, the time has come to prepare the materials he/she would need to build it. The most common material that is used to build this structure is wood, although there are some homeowners who might want to use galvanized steel or vinyl. One would also need concrete and crushed stone for the foundation, roofing materials such as shingles and plywood, the door and windows, the drip cap, and vents. One should take note of the needed materials that they would have to buy to give their lean­to a more polished look, may it be paving stones for the small pathway, the weather vane, flower boxes, and other decorations. Of course one should also prepare the needed tools, which include a hammer, nail gun, nails, roofing tar, and the door hinges. Homeowners should make a complete list of the tools and materials and check this before starting the construction project. A Garden shed is normally built

from the bottom up, starting with the foundations. One should lay the concrete foundation first before preparing the floor frames. The floor frames are held together by a series of equally distances wooden planks, which are then nailed onto the frame. This is covered by thick plywood boards that are nailed in place. Each of the walls is prepared using a “skeleton,” or a specific arrangement of wooden beams. The roof is one of the last parts to be assembled and installed, followed by the shed’s doors, windows, and interior storage facilities. Finally, homeowners can arrange the different decorations that can turn their simple shack into a multipurpose structure. Those who don’t have a lot of time to build their own sheds can buy a pre­packaged kit, but these kits normally use the manufacturer’s own designs and dimensions. These are just some ideas and steps on making a Garden shed. Now that you have an idea of how to build one, have you imagined what yours would look like?

Why You Should Add A Fence to Your Residence

By Lawrence Reaves

a fence is a standard fixture in people’s backyards, you should look at the cohesion of the fences. Are they all made People put in fences for different reasons. If you decide of the same material? Are they all the same color? If this is you want a fence, then you have to figure out how much the case and you are putting in a fence, you should follow the privacy you really want. Whether you want a high fence or standard of the neighborhood, even if it costs more. something that you cannot see through, you need to figure out why you want the fence and which one will best meet Safety your needs. A fence does not have to be an eyesore. It can Having the right fence offers safety as well. With a high add charm and character to your house while also increasing enough secure fence, you will have less of a chance of an intruder coming into your backyard. This means keeping the the value of your home. fence locked, but it does give a homeowner a sense of safety Privacy by having a fence. Some people are more private than others and there is The reasons for putting in a fence are numerous. Whether nothing wrong with that. A fence can give the privacy that you are looking for privacy or a place to keep pets, a fence people are looking for. This might be because the has many uses. A fence does not just have to be a fence. It homeowners spend a lot of time in their backyard or have should be an extension of your home and should add neighbors that can see in the house at night. Whatever the something to your house. It can add cohesion to the look and reason, fences are a good option to offer privacy. architecture of your home. Not only is a fence functional, but Boundaries it can be more decorative, especially in the front yard. It can A fence is a good way to distinguish property lines. Some be a small picket fence that offers an inviting entrance for people want to know exactly where their property starts and visitors. Depending on your needs, the right fence can meet ends. They want to leave no question in people’s minds and those needs and more. achieve this by building a fence. This establishes a boundary for everyone who shares a side of the fence.


If you have a pet that will spend any time outdoors, many homeowners find that having a fence is a necessity. A fence means your pet can run in your backyard without getting out or needing to be tied up. This allows the homeowner and animal to have more freedom, while also staying safe. Having a fence for a pet is sometimes a must for homeowners. So if a house does not already have a fence, the homeowner will put one in.

The Norm

Have you ever walked into a neighborhood and everyone has a fence? In some parts of the country, it is considered normal to have a fence. Without one, you are standing out. If

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