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	<title>Ladders articles</title>
	<link>http://www.topladdershome.com</link>
	<description>Ladders articles</description>
	<language>en</language>
	<category>Ladders</category>
	<item>
		<title>Create Your Own Garage Storage Design with Storage Systems Solutions From Slide-Lok Garage Storage Cabinets. Get Organized Today in Texas, New York, and All Across the United States and Canada.</title>
		<link>http://www.topladdershome.com/Create_Your_Own_Garage_Storage_Design_with_Storage_Systems_Solutions_From_Slide-Lok_Garage_Storage_Cabinets._Get_Organized_Today_in_Texas%2C_New_York%2C_and_All_Across_the_United_States_and_Canada./articles/56771</link>
		<category>Create+Your+Own+Garage+Storage+Design+with+Storage+Systems+Solutions+From+Slide-Lok+Garage+Storage+Cabinets.+Get+Organized+Today+in+Texas%2C+New+York%2C+and+All+Across+the+United+States+and+Canada.</category>
		<guid>http://www.topladdershome.com/Create_Your_Own_Garage_Storage_Design_with_Storage_Systems_Solutions_From_Slide-Lok_Garage_Storage_Cabinets._Get_Organized_Today_in_Texas%2C_New_York%2C_and_All_Across_the_United_States_and_Canada./articles/56771</guid>
		<description><![CDATA[The Slide-Lok Garage Storage Cabinet Dealer Network, continues to expand in New York and Texas as well as across the U.S. and Canada.  "This is a direct result of increased sales," says President, Gary Smith, "and, since we make house calls, expansion ...]]></description>
		<content:encoded><![CDATA[<P>The Slide-Lok Garage Storage Cabinet Dealer Network, continues to expand in New York and Texas as well as across the U.S. and Canada.  "This is a direct result of increased sales," says President, Gary Smith, "and, since we make house calls, expansion is necessary to insure the perfect storage system for your home regardless of the configuration of your garage."  Smith asks the question, "Where do you put all the stuff that accumulates in the garage?"  "We have designed so many garage storage solutions that we remember to ask the questions that custom garage cabinet makers forget to ask.  This means the Slide-Lok Garage Storage Cabinet Systems that we design include all the things that the custom cabinets guys forget to include.""And what do the custom cabinets guys forget?"Clean Up Your Garage First - This means decide what you want to keep, and keep only what you use.  That which you do not use is just taking up space.Develope a Plan or Garage Guide - Think about your garage as another room in your home just like the kitchen, family room, or bedroom. </P><P> Measure; create a floor plan with Jack's Design Center, and recognize that the Slide-Lok modular system is a series of Modular Cabinets and Storage Cabinets that enable you to organize your garage, home or office. Regardless of the configuration the SLIDE-LOK System can be designed to fit any size, or shape.  Designing online at Jack's Design Center <a href="http://www.slide-lok.com/designctr.shtm" target="_blank">http://www.slide-lok.com/designctr.shtm</a> allows you to develop, save, and print several configurations for your garage, home, or office until you decide which one meets your unique and specific needs.Be Logical - Place the items that you use most often, like batteries, light bulbs, and in-home tools closest to the door.  Place the items that you use most often for the lawn and garden closest to the garage door for easy outside access.  Slide the lawn mover under a shelf unit to keep it from using floor space; plan on hanging things like ladders, and garden equipment from a wall unit, and most importantly, place seasonal items like Christmas ornaments on the top shelves, or hang these items from the wall or ceiling. </P><P> Invest in modular containers that stack like SLIDE-LOK, and keep these items clean and neat while conserving space.  Make sure that saws and shears, and paint and pest control cannot be reached by children.  Easy to Use - The Slide-Lok System is modular, and consists of 8 basic modular cabinets that are can be mixed, matched, and stacked. This means that even when your storage space looks like a jig saw puzzle, you can develop a SLIDE-LOK Storage Solution that combines all the pieces of your puzzle into the perfect storage solution. These are durable cabinets with a long lasting finish, plywood sides, face frames, and concealed European hinges. </P><P>All this is crafted with the strongest joint in the world ? the patented Slide-Lok Dovetail Joint. They slide together making them easy to assemble, and Slide-Lok Garage Storage Cabinets look like custom cabinets so they are often used in the non-common areas of business offices, ? the garage, in the pantry as pantry cabinets, in the hobby or craft room as well as in home offices throughout the U.S. and Canada.Due to increased demand, Slide-Lok Garage Storage Cabinets are seeking dealer applications in New York, Texas, the United States and Canada.  So whether you need a personal storage system for your garage, home, or office -- or if you are interested in becoming a dealer, or you just need a garage system that fits your 2 feet by 20 feet triangular storage area ? Slide-Lok is the Perfect Fit for Your Puzzle. - <a href="http://www.slide-lok.com/distributorships.shtm" target="_blank">http://www.slide-lok.com/distributorships.shtm</a>Locate Authorized Slide-LokDealers in Your Area Slide-Lok Authorized dealers are located throughout the U.S. </P><P>and Canada. Choose a state or province to view distributors in your areaSearch for dealers in the US and Canada:  <a href="http://www.slide-lok.com/search/" target="_blank">http://www.slide-lok.com/search/</a>or visit <a href="http://www.bobvila.com/ProductServices/Categories/Garages/" target="_blank">http://www.bobvila.com/ProductServices/Categories/Garages/</a> at BobVila.com, and click on "Products & Service Info Tab." and then click on Garages in the center of the page and open the new SLIDE-LOK Garage Storage Cabinets "Showroom" advertisement.To answer your storage systems questions today, you may even call us at 1-800-835-1759 for your storage solutions.About Slide-LokSince 1977 Bass Cabinets (manufacturer of Slide-Lok) <a href="http://www.basscabinet.com/" target="_blank">http://www.basscabinet.com/</a> has been providing high quality, durable cabinets to the multi-family housing industry. Our cabinets have been installed in all types of living environments throughout the U.S. and several locations overseas. The unique dovetail design and structure of our cabinets is based on providing our customers with a trouble-free, long lasting product that has proven itself in the toughest of conditions. </P><P>Slide-Lok, committed to quality and customer service.Contact Data:Gary SmithSlide-Lok Garage Storage CabinetsOffice: 1.800.835.1759Mail: e-mail protected from spam bots<a href="http://www.slide-lok.com/" target="_blank">http://www.slide-lok.com/</a>. </P>]]></content:encoded>
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		<title>Amazing New Digital Measuring System Saves Sign Shops Time, Effort And Money</title>
		<link>http://www.topladdershome.com/Amazing_New_Digital_Measuring_System_Saves_Sign_Shops_Time%2C_Effort_And_Money/articles/180326</link>
		<category>Ladders</category>
		<guid>http://www.topladdershome.com/Amazing_New_Digital_Measuring_System_Saves_Sign_Shops_Time%2C_Effort_And_Money/articles/180326</guid>
		<description><![CDATA[La Mesa, CA (ContentDesk) June 16, 2006 -- Commercial sign shop owners, operators, and graphic designers now have an innovative new tool to save time , effort and reduce costs when measuring projects.  Thanks to the Amazing Sticky Yard" Digital Measuring ...]]></description>
		<content:encoded><![CDATA[<P>La Mesa, CA (ContentDesk) June 16, 2006 -- Commercial sign shop owners, operators, and graphic designers now have an innovative new tool to save time , effort and reduce costs when measuring projects.  Thanks to the Amazing Sticky Yard" Digital Measuring System, sign makers can take measurements of any size object quickly and easily using a digital photo, their computer and the Amazing Sticky Yard software.  With the Sticky Yard <a href="http://www.stickyyard.com" title="www.stickyyard.com" target="_blank">www.stickyyard.com</a>  as a reference, measurements can be taken as often as neededwith just a few clicks of a mouse.  The Amazing Sticky Yard Digital Measuring System saves valuable time during the estimating phase of a new sign project.  Sticky Yard eliminates the need for ladders, clumsy measuring tapes that do not stay in place, and repeat measuring trips. </P><P> Graphic designers and sign makers can even forget about spending time sketching a project.  Users simply apply the Sticky Yard anywhere on the surface of the object, stand back and snap a photo of the object with the Sticky Yard in the image, and measure later.  The product makes it easy to take measurements later directly from the digital photo.According to Jeff Rose, owner of Sign Design Custom Graphics located in Vidor, Texas, The Sticky Yard Digital Measuring System works like a dream. At 85 feet away, measuring 30 feet wide it was in perfect synch with my old trusty tape measure.    Rose continued, I have a new Old Trusty now. </P><P>  Its so wonderful to show up on a job and take a few pictures and spend the rest of the time selling the job and not measuring.   I wish the Sticky Yard was available years ago.???? The Sticky Yard is an innovative solution that makes it easy for sign makers and graphics designers to work smarter from the estimating phase up through the installation of a project.  The complete Amazing Sticky Yard Digital Measuring System is available for $49.95.  Sticky Yard adhesive and magnetic tapesused to determine the correct size of a graphicbend to measure around vehicle curves and will not scratch paint.  Single adhesive tape refills can be ordered for $6.99 or 3-packs for $18.99. </P><P> Magnetic tapes are available from $8.99 for a single pack or $17.49 for a 2-pack.   A complete list of Sticky Yard tape refills and software is at <a href="http://www.stickyyard.com" title="www.stickyyard.com" target="_blank">www.stickyyard.com</a> or by calling 877-259-2173.About Emerge Industries:Emerge Industries, Inc. designs and develops innovative measuring solutions that save time, reduce costs and help professionals work smarter.  The Amazing Sticky Yard" Digital Measurement System, our flagship product, is available through fine distributors or on the Web at <a href="http://www.stickyyard.com" title="www.stickyyard.com" target="_blank">www.stickyyard.com</a>.  Emerge Industries, founded in 2000, is a privately held La Mesa, California-based company. </P><P>Visit us on the web at <a href="http://www.stickyyard.com" title="www.stickyyard.com" target="_blank">www.stickyyard.com</a>. </P>]]></content:encoded>
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		<title>Annuity Buyers Find Timing is Right on Fixed Annuities Treasury Bond Rate Reaches Six Month High</title>
		<link>http://www.topladdershome.com/Annuity_Buyers_Find_Timing_is_Right_on_Fixed_Annuities_Treasury_Bond_Rate_Reaches_Six_Month_High/articles/130180</link>
		<category>Find</category>
		<guid>http://www.topladdershome.com/Annuity_Buyers_Find_Timing_is_Right_on_Fixed_Annuities_Treasury_Bond_Rate_Reaches_Six_Month_High/articles/130180</guid>
		<description><![CDATA[Medford, OR (ContentDesk) November 3, 2005 -- For the first time since March 2005, the 10 year Treasury bond rate is over 4.5%, and as a leading indicator for fixed annuity rates, is pointing investors back to this fundamental, principal protected investment ...]]></description>
		<content:encoded><![CDATA[<P>Medford, OR (ContentDesk) November 3, 2005 -- For the first time since March 2005, the 10 year Treasury bond rate is over 4.5%, and as a leading indicator for fixed annuity rates, is pointing investors back to this fundamental, principal protected investment vehicle.The wide variety of guaranteed, rate-protected annuities that are now available to investors, free of charges and fees, let individuals take charge of their retirement funds, says Ken Nuss, CEO of AnnuityAdvantage.com  the Internets best known annuity research and sales site.  According to Nuss, Fixed annuities are an ideal way to keep retirement funds growing and working, while leaving the high fees, and market uncertainty behind.  One way former stock market investors are protecting their retirement funds is to create a modified annuity ladder, with guaranteed principal, increased liquidity, and interest-rate protection. A modified annuity ladder works like this:  Investors buy a ten year annuity that offers 10% annual liquidity, with no penalties after the first year. Then, review rates annually, and move the 10% into a shorter-term annuity as interest rates rise. No better interest rate? No problem, leave the funds in for another year, untouched, and check rates next year. </P><P>In this manner, investors can maximize their interest earnings, while leaving future options open.Two things have happened to make this strategy work for the individual annuity investor. One is the advent of web sites like AnnuityAdvantage.com, that allow the investor to determine top rates, and the general term they want to select. The second is the advent of new regulations which allow a partial 1035 exchange, meaning part of a single annuitys funds can be moved to another annuity, while keeping the tax benefits in place.Fixed annuities are the answer to a myriad of investor concerns, from keeping principal safe, to off-setting any Social Security shake up, adds Debi Dieterich, a Senior Annuity Specialist at AnnuityAdvantage.com. Ladders arent the answer for everyone. I suggest an investor have over $100,000 before laddering. </P><P>However, investors can start an annuity with amounts as low as $5,000.00, so there is a product for almost everybody.  Our clients manage their own money, free of fees and penalties, making the principle of compounded interest work decisively in their favor.Many of AnnuityAdvantage.coms clients have been investing in annuities for decades. Remember, you have to keep the principal intact before any investment strategy will be a winner, in the long run, says Kathy C., an AnnuityAdvantage.com client. A further surge in fixed annuity sales has been fueled by boomers who want to move out of the stock market, and into a tax-deferred, principal-protected investment vehicle. Investors are understandably disturbed by uncertainty in the stock market. </P><P> Now, the real estate bubble is coming under increased scrutiny  as experts wonder about how long high prices can be maintained in an era of increasing mortgage interest rates.  Add the current uncertainty about the future of Social Security and its no wonder investors are seeking to take charge of their retirement savings.  Savvy investors, in increasing numbers, are including the wide range of annuity products in their planning and strategy.Those interested in learning more about the role of fixed annuities in their investment portfolios can visit <a href="http://www.AnnuityAdvantage.com/" target="_blank">http://www.AnnuityAdvantage.com/</a> or call 1-800-239-0356.. </P>]]></content:encoded>
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		<title>Corporate America, the naked truth exposed in a brilliant book introducing the AQ Principle?</title>
		<link>http://www.topladdershome.com/Corporate_America%2C_the_naked_truth_exposed_in_a_brilliant_book_introducing_the_AQ_Principle%A9/articles/104809</link>
		<category>Ladders</category>
		<guid>http://www.topladdershome.com/Corporate_America%2C_the_naked_truth_exposed_in_a_brilliant_book_introducing_the_AQ_Principle%A9/articles/104809</guid>
		<description><![CDATA[(ContentDesk) February 12, 2004--How's Your AQ Today? offers a fresh, new humorous look at the business world we all live in. It takes you on an enlightening tour of corporate life through Ed Rychkun's view of his lifetime of climbing corporate ladders. ...]]></description>
		<content:encoded><![CDATA[<P>(ContentDesk) February 12, 2004--How's Your AQ Today? offers a fresh, new humorous look at the business world we all live in. It takes you on an enlightening tour of corporate life through Ed Rychkun's view of his lifetime of climbing corporate ladders. This provocative and hilarious expose' focuses on what really goes on behind those boardroom walls. It cleverly reveals the flip side of a company's naked underbelly by showing how people universally conform to laws on how they feel about each other? called AQ'ism. Ed examines the social behaviour of corporate citizens and develops universal laws about how this feeling is quantified as an AQ? a measurement that can have a direct impact on how fast you can climb or fall from the corporate ladder. </P><P>Ed tells it like it is, revealing how the real professionals? the executives, use a set of secret AQ Arsenals to hide their incompetence? and maintain their positions of power in the corporate hierarchy. You will immediately recognize a similarity with your own situation and derive humour from it. How's your AQ Today? features a completely new look at business antics using satire through the author's almost sardonic sense of humor that transports ideas in seconds, provoking a new look at our everyday working relationships. Using a fascinating satire of graphic wit, the author provocatively draws out the leading question of "How's Your AQ Today?" Revealing the management farce using dozens of cartoons and graphic illustrations, Ed introduces his executive playground, quantifying prototype behaviors that leaves no one exempt to his hilarious but brutal expose'. Yes, a new perspective of corporate life will unfold as you begin to understand the nature of this silly AQ phenomenon that insidiously creates productivity suffocation in so many companies. </P><P> The Author takes you on a journey through his own first hand experience, starting at the bottom and working his up the ladder in both small and large corporations over 30 years. Working through supervisory roles, into management, through executive positions and finally chairman, director, partner and owner, Ed Rychkun transcribes his experience from Fortune 500 companies to his own smaller enterprises revealing a common phenomenon he calls the AQ Principle. Using prototype characters and a corporation of 100 members, Ed Rychkun reveals the social interplay and behavioral characteristics he cleverly names AQ ?ism. Somewhat exaggerated but so humanly realistic, the portrayal is sure to keep you giggling as he exposes the hidden tactics he calls the AQ Arsenals. The books impact is best asserted in a critique written by a business executive: "This riveting non-fiction work deals with how corporations function, how the players treat each other and how one really climbs the corporate ladder. </P><P>Rychkun's question How's Your AQ Today? sets the stage for a great read. No one is exempt from Rychkun's inky dagger as he graphically tells us why many businesses and business people suffocate and lose their humanity. From the lowest man or women on the totem pole to the top of the heap, Rychkun's book provokes and invokes us with the thought and question - Are we all just a bunch of assholes? With his telltale scenarios, cartoons, and some real-life corporate experiences, Rychkun informs and entertains us while he bares the backside of the corporate world. A must read." Jim Green, CEO Challenge Entertainment Corp, Jan 2004"Never was the raw naked truth so aptly expressed as in this earthy examination of the blatantly exposed underbelly of the modern corporation. This incisive satire could one day become a ribald classic, so pick up your copy and join the enlightened.", Tom Scrase, January 2004How's Your AQ Today? can be ordered directly from the publisher by online at <a href="http://www.rrpbooks.com" title="test" target="_blank">www.rrpbooks.com</a> where you will find a full description of the book. </P><P>The price is US$14.95, plus shipping and handling of US$2.00 if ordered in Canada, US $4.00 in US or US$8.00 if ordered outside of North America. Alternatively, you may fill out an order form from the website at <a href="http://www.rrpbooks.com" title="test" target="_blank">www.rrpbooks.com</a> and fax it to the Publisher, then send a check or money order directly to Rychkun Recreation Publications, 23951 58A Place, Langley BC, Canada V2Z 1A5 for an autographed copy. The book is also found on <a href="http://www.amazon.com" title="test" target="_blank">www.amazon.com</a>. </P>]]></content:encoded>
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		<title>Be a Carenter for Uncle Sam - Part 1</title>
		<link>http://www.topladdershome.com/Be_a_Carenter_for_Uncle_Sam_-_Part_1/articles/99219</link>
		<category>Be+a+Carenter+for+Uncle+Sam+-+Part+1</category>
		<guid>http://www.topladdershome.com/Be_a_Carenter_for_Uncle_Sam_-_Part_1/articles/99219</guid>
		<description><![CDATA[Carpenter Grade 7General: Carpentry workers at this grade level measure, cut, construct, install, repair, and modify wood; composite, and wood substitute items where specific fit and accuracy are within allowable limits to produce a serviceable product. ...]]></description>
		<content:encoded><![CDATA[<P>Carpenter Grade 7General: Carpentry workers at this grade level measure, cut, construct, install, repair, and modify wood; composite, and wood substitute items where specific fit and accuracy are within allowable limits to produce a serviceable product. Finished appearance of work products is not the primary consideration at this grade level. Grade 7 carpentry workers apply standard measurements, specifications, and instructions when constructing, installing, or repairing items such as frame structures, decking, partitions, shelving, doors, forms, siding, and scaffolds. They apply a general knowledge of wood, composite materials, wood substitutes, and woodworking techniques, as well as basic shop mathematics to plan, measure, and lay out materials according to dimensional requirements and specifications. Workers at this level typically follow specific instructions and are aided through the use of templates, or preplanned, or precut materials. </P><P>Skill and Knowledge: Grade 7 carpentry workers have a working knowledge of woodworking techniques and basic shop mathematics and are skilled in using measuring tapes, squares, levels, and other carpentry tools to plan, lay out, measure, cut, construct and install materials according to dimensional requirements and specifications. Workers at this level have a basic knowledge of material strengths and applications. They are skilled in use and operation of a variety of hand and power tools such as hammers, handsaws, drills, planes, routers, screwdrivers, power nailers and fasteners, glue guns, metal shears, screw guns, power saws, and power sanders and planes. They are able to work from sketches, work orders, basic blueprints, and instructions, which are complete in terms of type of job required and materials and methods to be used. They are able to perform millwork, construct framing, and make items such as benches, partitions, frames, and tables. </P><P>They are able to perform limited repairs to office-type furniture such as re-gluing loose joints and replacing shelving and slide mechanisms. They are knowledgeable of woodworking techniques to prevent splitting, chipping, and splintering and of the types and uses of various nails, screws, specialized fasteners, and bonding materials. Responsibility: Grade 7 carpentry workers work under general supervision or with a higher graded worker and receive assignments orally or through work orders, sketches, or basic blueprints. They select the proper tools to be used and determine methods and techniques based on established practices or specific instructions from the supervisor or a higher grade worker. Deviations from standard practices and material substitutions generally require approval. </P><P>Work is spot-checked in progress and checked upon completion to insure requirements have been met in terms of fit, dimensions, structural integrity, and other required objectives. Physical Effort: Carpentry workers at this level work in wood shops and at job sites. When working in a shop, grade 7 carpentry workers stand for extended periods while operating machines such as bench planers, saws, and drill presses. The work requires considerable bending, kneeling, and stooping. When at a job site, strenuous physical exertion is sometimes required when handling heavy and bulky materials such as sheets of plywood, framing members, and other building and construction materials. </P><P>Grade 7 carpentry workers use manual or portable power tools for extended periods in uncomfortable positions. On-site work typically requires bending, stooping, crawling, and climbing on ladders, scaffolding, and rooftops. Workers may lift and move materials up to 18 kilograms (40 pounds), unassisted, and occasionally lift or move heavier items with the assistance of lifting devices or other workers. Working Conditions: Some work is performed in shop areas where the worker is exposed to moderate or high noise levels from operating machinery, sawdust in the air, glue fumes, and hazards associated with woodworking and related power equipment. When working at job sites, workers may be exposed to weather conditions and the hazards of working on and around scaffolds and ladders. </P><P>They are subject to cuts, bruises, and contusions. Carpentry workers may work in confined areas such as crawl spaces and attics, which may be dusty and dirty. They use protective devices such as earplugs, safety glasses, respirators, and gloves.. </P>]]></content:encoded>
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		<title>A Few Things Everyone Should Know About Disability</title>
		<link>http://www.topladdershome.com/A_Few_Things_Everyone_Should_Know_About_Disability/articles/78102</link>
		<category>Ladders</category>
		<guid>http://www.topladdershome.com/A_Few_Things_Everyone_Should_Know_About_Disability/articles/78102</guid>
		<description><![CDATA[ [NOTE: This article is on a niche consumer topic. It has nothing to do with business, marketing or opportunities. As far as I know, this area isn't restricted to just business/marketing articles, so I'm posting this. If I'm wrong, please remove this ...]]></description>
		<content:encoded><![CDATA[<P> [NOTE: This article is on a niche consumer topic. It has nothing to do with business, marketing or opportunities. As far as I know, this area isn't restricted to just business/marketing articles, so I'm posting this. If I'm wrong, please remove this and let me know.Thanks!- Kathy]This article is completely free to republish and distribute in any form other than unsolicited spam email. Minor adjustments/editing is allowed if needed. </P><P>You may also change the headline/title if you'd like. Please be sure to make the URLs at the bottom live.NOTE: Only this article excerpt is allowed to be published and distributed. You must link to the rest of the report. The report itself cannot be republished or distributed in full.-------- start article ----------Did you know? One year of disability can wipe out 10 year's worth of savings.Other interesting things to know about disability:- 7 out of 10 people between the ages of 35 and 65 become disabled for three months or longer.- The average length of disability lasting longer than 90-days is 36 Months.- Most American families have only enough money in savings to cover two months worth of bills.- In 2000, wage and productivity losses from unintential injuries was $259.8 billion (Statistical Abstract of the US: 2002)- The maximum Social Security disability payment for 30-yr old earning $70,000 per year is just $1600 per month.- To be eligible for Social Security disability, your disability must last at least 12 months.- Social Security Disability will only pay an approved claim after a minimum of 5 months have passed.So if you suddenly become disabled... how would you pay your bills?What is disability?The Random House Webster's Dictionary of American English defines disability as:"Lack of adequate strength or ability; incapacity; a physical or mental handicap; anything that disables or puts one at a disadvantage"The Social Security Administration defines disability this way:"The inability to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or has lasted or can be expected to last for a continuous period of not less than 12 months." Emphasis AddedSimply put: Disability generally means that you are unable to work. </P><P>And Social Security Disability means you are unable to work at anything.Disability can happen at any time, to anyone - regardless of race, religion, gender or profession.Sometimes people become disabled dur to injuries received in a car accident. And sometimes it's a simple matter of getting hurt while participating in sports, or improving your home in your off hours.A very common injury that can cause you to become unable to work, is a back injury. And back injuries can happen simply by moving furniture, working in a garden, or fixing a leak in your roof.Other people become unable to work due to an illness or the onset of a disease: Like diabetes, stroke, or heart attack. And even pregnancy can cause some females to become unable to work: If the pregnancy develops other complications that require the woman to stay in bed, she is unable to work.This Can Happen to You Too.Unfortunately, people often assume that just because they're healthy, they can't become disabled. And that's simply not true. </P><P>Accidents happen. So being healthy doesn't usually have anything to do with whether you become disabled.Let's look at some undeniable facts:- In 2000, wage and productivity losses from unintentional injuries was $259.8 billion (Statistical Abstract of the US: 2002)- In 1999: 338,000 people were injured in a fall- In 1999: 141,000 people were injured due to overexertion- In 1999: 338,000 people experienced sprains and strainsAnd just a few of the ways these injuries happened included:- Hand and power saws- Hammers- Kitchen flatware- Beds- Tables- Ladders- Rugs and Carpets- Footwear- Bicycles- Swimming PoolsIf you'd like to know more about disability and various ways you can protect yourself and your family, read the rest of this report online at: <a href="http://www.sasezpublications.com/Reports/Disability-Insurance/" target="_blank">http://www.sasezpublications.com/Reports/Disability-Insurance/</a>? 2004. Report Excerpt courtesy of Electronic Perceptions Marketing - <a href="http://www.ElectronicPerceptions.com" target="_blank">http://www.ElectronicPerceptions.com</a>----- End Article ------. </P>]]></content:encoded>
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		<title>Buying a Home - What is a Home Inspection?</title>
		<link>http://www.topladdershome.com/Buying_a_Home_-_What_is_a_Home_Inspection%3F/articles/116755</link>
		<category>Buying</category>
		<guid>http://www.topladdershome.com/Buying_a_Home_-_What_is_a_Home_Inspection%3F/articles/116755</guid>
		<description><![CDATA[Any Sally and Sam Homebuyer can look at a home and decide whether it is attractive. They might notice it is freshly painted in pleasing colors, has the requisite number of rooms, a cook's kitchen and is located in a location with top schools. But what ...]]></description>
		<content:encoded><![CDATA[<P>Any Sally and Sam Homebuyer can look at a home and decide whether it is attractive. They might notice it is freshly painted in pleasing colors, has the requisite number of rooms, a cook's kitchen and is located in a location with top schools. But what about less obvious parts of the house?It takes special expertise to determine if the functional parts of a home are in good shape. If you attend an open house, how do you determine if there are plumbing problems, electrical problems, structural problems, drainage problems, the condition of heating and air conditioning equipment and the condition of literally hundreds of other items that could cause concern? Enter the home inspector.  A home inspector is trained to be a detective in regard to the construction and working parts of homes. </P><P> It is not an exact science.  The home inspector cannot tear into things, so they can't always see everything they'd like to. They do, however, come equipped with ladders, strong flashlights, and devices to measure various things related to plumbing, electrical and other necessary home items.  Importantly, a home inspector will also typically bring a digital camera to photograph problems such as roof shingles not lying flat, signs of mildew from leaking pipes and construction that doesn't comply with building codes. They don't miss much.It's a good idea for the buyer to be present during the home inspection. </P><P> If you ask them to, home inspectors will usually explain how things work to you. This is important as they can show you where cut off valves are, how to remove filters for cleaning or replacement and tell you how often various maintenance chores need to be done. This information can be very valuable if you ultimately purchase the property.It's also a good idea to ask the home inspector if there are any particular tests they would perform if they were buying the home.  For example, radon gas (a colorless, odorless gas which is a carcinogen) can be a problem in some parts of the country. It can be detected, measured, and, if levels are above EPA standards, there are procedures to deal with it successfully. </P><P>A home inspector can help identify such issues for you.It's easy to see that a home inspection can provide a wealth of valuable information. While it is easy to fall in love with a listed home, a home inspector can be the key to avoiding disastrous discoveries down the line.. </P>]]></content:encoded>
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		<title>With Pretendables Young Careerseekers Research And Role-play A Range of Dream Professions</title>
		<link>http://www.topladdershome.com/</link>
		<category>Dream</category>
		<guid>http://www.topladdershome.com/</guid>
		<description><![CDATA[The Professional SeriesVictor & Vikki: VeterinarianLet Victor and Vikki Veterinarian take your pooch's pulse or check Miss Kitty's blood pressure.  Acting as kindhearted vets, kids don lab jackets and sling stethoscopes around their necks while playing ...]]></description>
		<content:encoded><![CDATA[<P>The Professional SeriesVictor & Vikki: VeterinarianLet Victor and Vikki Veterinarian take your pooch's pulse or check Miss Kitty's blood pressure.  Acting as kindhearted vets, kids don lab jackets and sling stethoscopes around their necks while playing along with an interactive CD-ROM featuring veterinarians Victor and Vikki.  The two tend to their feathered and four-legged patients in their very own hospital and along the way take care of Mister Bulldog, Miss Turtle, Miss Python, and even scary Mister Lion. Through Victor and Vikki, children learn about a variety of fascinating animals, medical tools, and the various responsibilities of a real veterinarian.Peter & Peggie: PilotWith Pretendables, children can opt for a more "lofty" experience: flying a Boeing Jet. With a pilot's shirt, toy headset and airplane, youngsters can play along with Peter & Peggie Pilot. </P><P>Through the interactive CD-ROM, children will attend flight school to learn to become pilots.  Together with their new friends, Floyd and Fawn Flight Attendant, Peter and Peggie learn about the numerous parts of a plane, the importance of weather conditions and how to navigate the skies while flying all around the world.The Safety SeriesSammy & Sharon: Safety Red light - Stop, green light - Go! Learn about the basic rules of safety with school crossing guards Sammy & Sharon. Children can join the characters' busy day with a Pretendables safety vest, working whistle, flashing reflector and interactive CD-ROM.  Kids will find out how to be careful and safe every day from Tony the Safety Teacher, Paul the Policeman and Frank and Filbert Firefighter. These characters will warn children about the hazards of fire, talking to strangers, how to avoid dangerous areas, stay away from stray pets, cross the street safely and much, much more.The Public Service SeriesFreddie & Fiona: FirefighterDon't strike that match! Spot the Dalmatian, along with Freddie & Fiona Firefighter and Foster the Fire Chief, will warn children about the dangers of playing with matches. </P><P>Freddie and Fiona, along with the interactive CD-ROM, teach invaluable lessons about fire safety, smoke detectors, fire extinguishers and escape ladders. The kit includes an authentic firefighter's jacket, a toy fire truck and a firefighter's best friend, Spot, a plush toy Dalmatian.Patrick & Pennie: Police OfficerIn need of immediate help? Patrick and Pennie Police Officer will come to your aid. Children will learn all about the contributions that police officers make to their communities. Kids can dress up with a special police badge, whistle, sunglasses, and a police baton made of sponge to play along with the interactive CD-ROM.  Patrick and Penny Police Officers help keep streets safe, protect people from danger, direct traffic and help lost kids find their parents.The Explorer SeriesEric & Ellie Explorer: Egypt Join Eric and Ellie as they explore all seven wonders of the world. </P><P> Dress up like Indiana Jones in a special vest and investigate the inner depths of a mummy's tomb with a compass and flashlight. The interactive CD-ROM teaches children about preparing for a journey, effective communication and puzzle solving. Eric & Ellie: Wild WestWant to become a buckin' buckaroo? Slip on a Western-style vest, belt buckle and bandana to visit the Old West, commune with Native Americans, search for gold, see a railroad being built, and meet rustic cattle herders. Also learn what a lasso, handkerchief, and horse gear are used for while meeting varmints like buzzards and coyotes. The Sports SeriesBilly & Bonnie: BasketballFor young sports aficionados with hoop dreams, Billy & Bonnie Basketball will teach kids the true essence of sportsmanship in this book and toy set series. </P><P> Kids can dress up with head and wristbands and play with a toy basketball. They will join Billy and Bonnie on the interactive CD-ROM to learn all the basic basketball shots from Cooper the Coach including how to dribble a ball, how to shoot a basket, dunk a ball and most importantly, about teamwork and the pure joy of playing for fun.  Special bonus: This book contains a cool special POP-UP basketball net so kids can dunk some baskets with their toy B-ball.The Make Believe SeriesMichael & Maggie Make Believe: MagicHarry Potter move over! Michael and Maggie Make Believe have much magic to share. With a magician's cloak and glowing, light up wand, Michael and Maggie invite children along on a spectacular trip to a land where imagination is the key to making dreams come true. Play along with them and the interactive CD-ROM to imagine a castle made of ice cream, a flying rug, and cotton candy clouds. </P><P>Michael and Maggie use their own special magic to make sick people and animals feel better, cause nightmares to go away and much, much more. Children learn that by using their imagination, magical things can and do happen. All book and toy set series are available on <a href="http://www.mogkids.com" title="test" target="_blank">www.mogkids.com</a> and can be purchased at the special introductory price of $29.95.. </P>]]></content:encoded>
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		<title>Boat Docks</title>
		<link>http://www.topladdershome.com/Boat_Docks/articles/178265</link>
		<category>Docks</category>
		<guid>http://www.topladdershome.com/Boat_Docks/articles/178265</guid>
		<description><![CDATA[If a person has waterfront property, "boat docks" are a great addition.  A boat dock, available in varying sizes and shapes, is a place to moor a boat and provides easy leisure access for swimming and fishing. There are aluminum docks, steel docks, floating ...]]></description>
		<content:encoded><![CDATA[<P>If a person has waterfront property, "boat docks" are a great addition.  A boat dock, available in varying sizes and shapes, is a place to moor a boat and provides easy leisure access for swimming and fishing. There are aluminum docks, steel docks, floating docks and post docks. These classifications depend on materials and style that are used to build the docks. All are designed to offer the best that one could possibly expect in a wet and dry storage facility. </P><P><br />
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Many accessories, which make it fun and functional, can be seen alongside a dock. Among the accessories are benches, boarding ramps, bumpers, cleats, boat lifts, deep water braces, dock boxes, flagpole holders, handrails, swing and straight ladders, light brackets, shore end wheel kits and storage sheds.<br />
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There are a variety of choices in residential lake dock and commercial dock systems. The residential dock is built to fit the location and recreational needs of a customer. Private or single-family docks belong to individual waterfront property owners, while shared docks are partially owned by the adjoining property owners. Community docks are used by many neighbors in a subdivision. </P><P>The commercial dock systems are constructed to specially fit the needs of a marina that allows access for a fee.<br />
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Along with the many positive aspects, boat docks do possess some negative effects. A dock can boost up property values along the waterfront, and consequently the tax base of the area. Other negative impacts are limiting access to publicly owned resources, obstructing navigation for different types of boats, and adversely affecting natural and living resources.. </P>]]></content:encoded>
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		<title>5 Ways To Protect Your Bond Portfolio From Rising Interest Rates</title>
		<link>http://www.topladdershome.com/5_Ways_To_Protect_Your_Bond_Portfolio_From_Rising_Interest_Rates/articles/49145</link>
		<category>Portfolio</category>
		<guid>http://www.topladdershome.com/5_Ways_To_Protect_Your_Bond_Portfolio_From_Rising_Interest_Rates/articles/49145</guid>
		<description><![CDATA[The Federal Reserve recently raised its target federal funds rate for the first time since March 2000.  This could be just the tip of the iceberg, though, as many experts believe rising inflation and a strengthening economy will spur continued rate hikes ...]]></description>
		<content:encoded><![CDATA[<P>The Federal Reserve recently raised its target federal funds rate for the first time since March 2000.  This could be just the tip of the iceberg, though, as many experts believe rising inflation and a strengthening economy will spur continued rate hikes for the foreseeable future.  This is bad news for bond investors, since bonds lose value as interest rates rise.  The reason stems from the fact coupon rates for most bonds are fixed when the bonds are issued.  So, as rates rise and new bonds with higher coupon rates become available, investors are willing to pay less for existing bonds with lower coupon rates. </P><P>   So what can you do to protect your fixed-income investments as rates rise?  Well, here are five ideas to help you, and your portfolio, weather the storm.Treasury Inflation Protected Securities (TIPS)First issued by the U.S. Treasury in 1997, TIPS are bonds with a portion of their value pegged to the inflation rate.  As a result, if inflation rises, so will the value of your TIPS.  Since interest rates rarely move higher unless accompanied by rising inflation, TIPS can be a good hedge against higher rates.  Because the Federal government issues TIPS, they carry no default risk and are easy to purchase, either through a broker or directly from the government at www.treasurydirect.gov.TIPS are not for everyone, though. </P><P> First, while inflation and interest rates often move in tandem, their correlation is not perfect.  As a result, it is possible rates could rise even without inflation moving higher.  Second, TIPS generally yield less than traditional Treasuries.  For example, the 10-year Treasury note recently yielded 4.75 percent, while the corresponding 10-year TIPS yielded just 2.0 percent.  And finally, because the principal of TIPS increases with inflation, not the coupon payments, you do not get any benefit from the inflation component of these bonds until they mature. </P><P> If you decide TIPS makes sense for you, try to hold them in a tax-sheltered account like a 401(k) or IRA. While TIPS are not subject to state or local taxes, you are required to pay annual federal taxes not only on the interest payments you receive, but also on the inflation-based principal gain, even though you receive no benefit from this gain until your bonds mature. Floating rate loan fundsFloating rate loan funds are mutual funds that invest in adjustable-rate commercial loans.  These are a bit like adjustable-rate mortgages, but the loans are issued to large corporations in need of short-term financing.  They are unique in that the yields on these loans, also called "senior secured" or "bank" loans, adjust periodically to mirror changes in market interest rates. </P><P> As rates rise, so do the coupon payments on these loans.  This helps bond investors in two ways:  (1) it provides them more income as rates rise, and (2) it keeps the principal value of these loans stable, so they don't suffer the same deterioration that afflicts most bond investments when rates increase.   Investors need to be careful, though.  Most floating rate loans are made to below-investment-grade companies.  While there are provisions in these loans to help ease the pain in case of a default, investors should still look for funds that have a broadly diversified portfolio and a good track record for avoiding troubled companies.Short-term bond funds  Another option for bond investors is to shift their holdings from intermediate and long-term bond funds into short-term bond funds (those with average maturities between 1 and 3 years). </P><P>While prices of short-term bond funds do fall when interest rates rise, they do not fall as fast or as far as their longer-term cousins.  And historically, the decline in value of these short-term bond funds is more than offset by their yields, which gradually increase as rates climb.   Money-market fundsIf capital preservation is your concern, money market funds are for you.  A money-market fund is a special type of mutual fund that invests only in very short-term money market instruments.  Since these instruments usually mature within 60 days, they are not affected by changes in market interest rates. </P><P> As a result, funds that invest in them are able to maintain a stable net asset value, usually $1.00 per share, even when interest rates climb.   While money-market funds are safe, their yields are so low they hardly qualify as investments.  In fact, the average seven-day yield on money-market funds is just 0.70 percent.  Since the average management fee for these funds is 0.60 percent, it does not take a genius to see that putting your capital in a money-market fund is only slightly better than stashing it under your mattress.  But, because the yields on money-market funds track changes in market rates with only a short lag, these funds could be yielding substantially more than 0.70 percent by the end of the year if the Federal Reserve continues to hike rates as expected. </P><P>Bond ladders"Laddering" your bond portfolio simply means buying individual bonds with staggered maturities and holding them until they mature.  Since you are holding these bonds for their full duration, you will be able to redeem them for face value regardless of their current market value.  This strategy allows you to not only avoid the ravages of higher rates, it also allows you to use these higher rates to your advantage by reinvesting the proceeds from your maturing bonds in newly-issued bonds with higher coupon rates.  Diversifying your bond portfolio among 2-year, 3-year, and 5-year Treasuries is a good start to a laddering strategy.  As rates rise, you can then broaden the ladder to include longer maturity bonds.. </P>]]></content:encoded>
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