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www.cowayandhealth.com Malaysia Currently, more than 1 out of 4 Koreans use Coway water filtration devices, and 1 out of 10 uses Coway’s air purifiers. For more information on Coways’ water purifiers, air purifiers, and water softeners range of products in Malaysia, please visit www.cowayandhealth.com. Pay as low as RM50 per month with 0% interest for credit card installment. Get the lowest price of Coway products on promotion at http Coway places its customers first and has invested heavily in Research & Development to guarantee the finest, most advanced products in the world. We are proud to claim that we have one of the largest environment technology R&D center in Asia. We ensure a ‘quality first’ commitment to our technology-oriented management and culture. Currently, Coway operates three R&D centers with more than 210 R&D and quality management professionals on staff, which makes it possible for us to deliver the best quality air purifier products to our customers. We constantly test air filtration systems, air filters, efficiency for air cleaning, and technologies to reduce noise. Unlike other air purifier manufacturers, we manufacturer our own air filtration units, including the filters. Each and every unit is quality controlled and tested before leaving our factory. We have a world-class facility and equipments to meet the diverse international requirements, including United State’s CADR (Clean Air Delivery Rate) ratings. This is our commitment to our customers to …

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Have you seen 3d paper art effects on scrapbook pages and wondered how they were achieved? Sometimes it takes very little to add a lot to a page or a card. It can look as though you have spent hours making a special item when in reality, it may only have taken some well placed presses or a little knowledge of how to go about shaping your hand made or store bought embellishments.

Make 3D paper flowers

One of the best tools I know for shaping paper flowers is actually called a flower shaping tool. It looks like a plastic stick that is rounded on both ends. One end is tapered and the other end has a half circle shape that allows you to crease your paper flower art. When you buy a tool, also purchase a soft mat (like a more forgiving mouse pad) to use when shaping your flowers.

If you have some basic paper punches (circles, hearts) you are then in business for making shaped paper flowers. A flower with petals is really made up of repetitive shapes. Punch out several hearts to form the petals, then place your flat piece of heart shaped card stock on the flower shaping mat.

Have you noticed that petals have a slight cup shape towards the centre of the flower? Press on the pointy end of the heart and roll the tool to add a cup like shape.

Have you also noticed that many petals have a little lip on the edge, or a rounded shape? You can create both with a few presses of your tool. Then simply do the same to all of the rest of the petals and assemble your flower, using adhesive to keep the petals in place. Sometimes it helps to punch out a circle to act as a base to adhere the petals to.

Make 3d paper leaves

Need some 3d leaves? Flat leaves can look fine, but adding a 3d element to them makes them look almost real. To make a simple leaf, punch a heart shape and cut it down the centre lengthwise, then finish trimming the shape into a leaf. You will have a rounded end (the stem end) and a pointy end to your leaf.

If you want raggedy edges leaves, tear the edges or cut them with decal edged scissors. If you want a mottled look now is the time to sponge your leaf with ink or splash it with paints or other treatments.

When it is dry, fold the leaf in half lengthwise, then crumple the card stock leaf and flatten it out slightly. Again use your paper shaping tool and pad to form a cup like shape on the rounded end, and maybe curl the tip of the leaf slightly. You can also draw in the veins and stem line of the leaf and/or ink the edges. I like to use gold ink on the edges of many of my leaves. Then make as many leaves as you like and add them to your card or layout.

If you compare these leaves to projects with flat leaves, the difference can be stunning.

Quill it

Another way to add dimension to layouts and cards is the quilling technique. for those who have not tried it, it looks very impressive yet is not very hard to do. Quilled shapes are made with thin strips of paper tightly or loosely coiled around a needle like shape. There are also quilling trays that will help the coils you make to stay a uniform size so you can make exact ‘building blocks’ for your embellishments.

The end of the strip of paper is either anchored down while the coil is tight or the coil is allowed to relax and the loose end is adhered when it has finished uncoiling. You will get better adhesion if you tear the end of your strip of paper as a torn end adheres more invisibly than a straight cut one. You can buy quilling tools, or just start with a darning needle pushed into a cork and use the cork as a handle while you wrap thin strips of paper around the needle. You can buy special quilling paper packs, though I have heard of people using thin paper put through a shredder for some of their projects. I personally find a shredder makes the paper a little too wide for card embellishments, but you may like that effect, especially on a 12″ x 12″ scrapbook layout.

Quilled embellishments can be made by repeating certain shapes. For example, the basic coil can make a flower. All you need is a yellow coil for the centre of the bloom, then five coils in another colour for the petals. If you pinch one side of your coil, you will have a leaf shape. If you pinch both sides of a coil, you will have a double pointed shape. There are lots more shapes you could learn to make the embellishments you would like. And you can build all sorts of shapes with quilled components, from animals to buildings to food to just about anything!

Recycle it

Another effective way to add 3d elements to your projects is to add a 3d recycled element to the mix. Has your feather duster lost a feather? Scrap with it! Is there an interesting insert inside a box? See if it is just what you are looking for with a certain layout. Do you have some old packing boxes? Tear one open and see if the corrugated card inside inspires you to make an embellishment from it. There is so much you can add with recycled materials.

Ribbon, material and more

I am sure you know how to use ribbon on a page or card. You adhere it down flat with a piece of double sided tape, right? Yes, that adds a little 3d element, but you can do much more with ribbon. You have probably already tied bows on a card or layout. But have you pleated it, sewn over the pleats, looped or curled it? Have you ruffled it and used the ruffle to wind into a flower shape held together with a button centre? How about tying knots in the end of a bunch of ribbons and then tying the bunch together and adding that to your project?

Ribbons can mimic stems for flowers too. Experiment with ribbon and twine and cord and leather. Try using netting or other pieces of material to add interest. Use a piece of material from a special dress or room furnishing to add value to the subject you are scrapping about. Use it as a background for a photo, or gathered or tied or scrunched – the choices are only limited by your imagination.

Texturise it

Yet another wonderful 3d element can be added with texture paints or gesso (coloured or otherwise). Slather colour on to the object and use various objects to ‘work’ it such as spatulas, paint brushes, a fork, a toothpick, a cotton bud, the end of a bobby pin. Use anything you think will make an interesting texture. Dab at it with an old hair brush or toothbrush. Embed beads, buttons, sequins or crystals in it. Add little shells. Throw on some glitter. Have fun! You will make something truly original and interesting to add as a background for your projects.

Remember that Cuttlebug or Big Shot machines dry emboss card stock. Make it even more interesting by sanding the ridges of the embossed patterns, or chalking them, or swiping an ink pad over them or painting and removing some of the paint with a tissue before it is completely dry. Crumple up the paper and smooth it out again.

I hope these ideas have inspired you to experiment and move a little (or a lot) outside your comfort zone to add some lovely 3d paper art to your handmade papercrafting repertoire.

Have fun!

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If you have suspicions about your partner cheating on you then don’t just drive these thoughts away. It might be a good time to do a little investigation to be sure. Don’t tell your partner straight ahead that you’re doubtful about their actions and manners. Start your investigation by clearly following their tracks and then slowly and gradually making your way up to the final stage.

One way to tell if your partner is cheating on you is to catch them lying about a matter. You can follow eye movements to tell if they are lying. Ask more questions if you are not sure of their discomfort or uneasiness. If their answers are brief and clear, then they are telling the truth. If, however, they try to create stories out of nothing and don’t try to look at you while speaking then it’s time you started worrying about your relationship.

Partners who are cheating are often guilty of their actions. They try to apologize over small mistakes and go out of their way to make you happy or feel pampered. Keep an eye on this change of attitude or abnormal behavior. Some people also start showing that they have little interest in you or your activities and that they want to spend sometime alone. This kind of behavior is also alarming. Tell them you want to go with them even it’s a short trip to the mall.

When your partner is away frequently call them on their phone to see if it’s busy. You can track down credit card and phone bills to take into notice something unusual going on behind your back. Also check your partner’s closets and shirt pockets to look for scribbled-down phone numbers or meeting places. If you find an unknown number, call that number and see who picks up. If it’s not a familiar voice then ask questions to learn where they live and who they are. If your partner has got a cell phone then get your hands on it when they’re not looking and check the phonebook. Call a suspicious number and notice the tone of the other person when he/she picks up the phone.

Another way to catch a cheating partner is to follow them in a car. See where they go, what they buy and who they meet. If you can, try to show up suddenly somewhere and be surprised to see your partner there. Notice their reaction. If they are happy to see you then there’s nothing to worry about. If, however, they are perplexed, worried and wide-eyed, then they are surely hiding something. Ask them questions to clarify things up a bit. If nothing seems to work, go back and carry on with your investigation till you come up with something solid. Confront your partner only when you have enough evidence against them and then decide what should be done next.

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When looking to pay off credit card debt, one of the most overlooked options many people have are government grants. Many people do not look into these grants because they simply do not know about them. However, the government sets aside billions each year just for this purpose, to give them away. If you are one of the millions of people who are suffering from credit card debt, you definitely want to consider applying for a grant from the government.

Government grants are available, the key is finding them. If you are looking for debt relief, you should understand that there are ways to get out of this debt and it is up to you to seek the help you need and deserve. We all get into trouble now and then with our financial situation, however, if the help is available, why not take advantage of it.

Why do these grants make more sense when it comes to credit card debt elimination? Simply put, these grants are far easier to obtain than traditional loans. Traditional loans may require some form of collateral or security deposit, grants do not require these because they are provided by the government.

The key to grants is to be creative. The government is willing to jump-start the economy by providing small business grants. If you apply for and receive a grant for several thousand dollars, you can eliminate your debt by using the money earned in your business to pay them off.

In order to get the grant the people accepting your application will need to review your situation. In other words, they will be looking at many things. First, they will be looking at if you have the ability to pay the money you currently owe, then they will take a look at the debts you currently have, and finally your financial ability to repay what you owe and still maintain your current debt. If you can prove that you cannot pay back this money, the grant will likely be yours.

Government grants can do many things for you. First, they can provide you with the money you need for debt relief without having to provide security or collateral. Second, these grants can save you from having to file for bankruptcy. Third, no repayment is necessary, this is type of financial aid, and it cannot be taxed and does not accrue any interest. Finally, it can instantly make you debt free, which cannot be said about other types of debt relief solutions.

Overall, obtaining a government grant just makes sense when you are swimming in debt that you cannot get out of.

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www.cowayandhealth.com Malaysia Currently, more than 1 out of 4 Koreans use Coway water filtration devices, and 1 out of 10 uses Coway’s air purifiers. For more information on Coways’ water purifiers, air purifiers, and water softeners range of products in Malaysia, please visit www.cowayandhealth.com. Pay as low as RM50 per month with 0% interest for credit card installment. Get the lowest price of Coway products on promotion at http Coway places its customers first and has invested heavily in Research & Development to guarantee the finest, most advanced products in the world. We are proud to claim that we have one of the largest environment technology R&D center in Asia. We ensure a ‘quality first’ commitment to our technology-oriented management and culture. Currently, Coway operates three R&D centers with more than 210 R&D and quality management professionals on staff, which makes it possible for us to deliver the best quality air purifier products to our customers. We constantly test air filtration systems, air filters, efficiency for air cleaning, and technologies to reduce noise. Unlike other air purifier manufacturers, we manufacturer our own air filtration units, including the filters. Each and every unit is quality controlled and tested before leaving our factory. We have a world-class facility and equipments to meet the diverse international requirements, including United State’s CADR (Clean Air Delivery Rate) ratings. This is our commitment to our customers to …

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The United States fast food market has seen a healthy rise in growth within the last three years which forecasts can be sustained. The fast food market is forecast to maintain its current growth expectations, with an anticipated Compound Annual Growth Rate (CAGR) of 2.3% for the five-year period 2005-2010. This is expected to drive the market to a value of $57.6 billion by the end of 2010. Drivers of growth include increasing numbers of Americans in the workplace, which reduces the amount of time spent on preparing meals at home. In 2010, the United States fast food market is forecast to have a value of $57.6 billion, an increase of 12.1% since 2005.

Forecast Volume

In 2010, the United States fast food market is forecast to have a volume of 37 billion transactions (Figure 1). This represents an increase of 5.3% since 2005. The CAGR of the market volume in the period 2005-2010 is predicted to be 1%.

Success Factors

Success factors for fast food franchisees will include products and marketing targeted to healthier menu selections, brand consistency, low start-up costs, franchisee support, and consumer convenience. Subway ® represents a poignant example of a fast food franchisee ready for success in the future fast food market. Their strategies transcend the fast food market and apply to many other markets and products.

SWOT Analysis

Subway sandwich shops are well positioned to leverage their strengths and address reasonable threats, weaknesses, and opportunities. The table below highlights these Strengths, Weaknesses, Opportunities, and Threats.

Strengths

Size and number stores and channels

Menu reflects demand for fresh, healthy and fast.

Use of non-traditional channels.

Partnering with the American Heart Association.

Worldwide brand recognition.

Customizable menu offerings.

Low franchisee start up costs.

Franchisee training is structured, brief and designed to assure rapid start-up and success.

Weaknesses

Décor is outdated.

Some franchisees are unhappy.

Service delivery is inconsistent from store to store.

Employee turnover is high.

No control over franchise saturation in given market areas.

Opportunities

Continue to Grow Global Business.

Update décor to encourage more dine-in business.

Improve Customer Service Model.

Continue to expand channel opportunities to include event wagons.

Improve franchisee relations.

Experiment with drive-through business.

Expand packaged dessert offerings.

Continue to revise and refresh menu offerings.

Develop more partnerships with movie producers and toy manufacturers to promote new movie releases through children’s menu packaging and co-branding opportunities.

Threats

Franchisee unrest or litigation.

Food contamination (spinach).

Competition.

Interest Costs.

Economic downturn.

Sabotage.

Law Suits.

Competitive Analysis

Subway is not without competitive pressures. Chief competitors include Yum! Brands, McDonalds, Wendy’s, and Jack in the Box. Yum! Brands are the world’s largest, with 33,000 restaurants in over 100 countries. Four of the company’s highly recognizable brands, KFC, Pizza Hut, Long John Silver’s and Taco Bell, are global leaders of the Mexican, chicken, pizza, quick-service seafood categories. Yum! has a workforce of 272,000 employees and is headquartered in Louisville, Kentucky.

McDonald’s Corporation (McDonald’s) is the world’s largest foodservice retailing chain with 31,000 fast-food restaurants in 119 countries. The company also operates restaurants under the brand names ‘The Boston Market’ and ‘Chipotle Mexican Grill’. McDonalds operates largely in the US and the UK and is headquartered in Oak Brook, Illinois employing 447,000 people.

Wendy’s International (Wendy’s) operates three chains of fast food restaurants: Wendy’s (the third largest burger chain in the world), Tim Horton’s, and Baja Fresh. Wendy’s operates over 9700 restaurants in 20 countries, has been included in Fortune magazine’s list of top 500 US companies, is headquartered in Dublin, Ohio, and employs about 57,000 people.

Jack in the Box owns, operates, and franchises Jack in the Box quick-service hamburger restaurants and Qdoba Mexican Grill fast-casual restaurants and is headquartered in San Diego, California.

Target Markets

The increase in sales of the sandwiches has been a result of decreases in consumer interest in hamburgers and fries and increases in demand for healthier options. Sales of sandwiches are growing 15 percent annually, outpacing the 3 percent sales growth rate for burgers and steaks.

Current Marketing Program

A new breed of restaurant is making big gains against the market-saturated hamburger establishments. Termed “fast-casual,” these restaurants are dominated by Mexican chains, and sandwich restaurants offering fresh-baked breads and specialty sandwiches.

Responding to evolving consumer expectations for health, fresh, custom-made sandwiches; Subway’s marketing program addresses these expectations through a number of approaches. The most notable were the television commercials featuring Jared. These commercials emphasize the healthy aspects of a Subway sandwich by highlighting the 245 pounds Jared lost by eating a Subway sandwich diet. Subway also markets through a national sponsorship in events such as American Heart Association Heart Walks and local events such as triathlons, and children’s sports teams.

The Subway example represents marketing and product strategies that are classic examples of focusing on market demand, consumer trends, product leveraging, and innovation. The marketing strategies of creating clear brand recognition, brand and product association, and market demands, have strategically positioned Subway to advance market share into the near future. These marketing strategies are also repeatable fundamental marketing strategies transcending the fast food market. Does your marketing strategy bind brand recognition to products that support your market’s future direction?

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Anytime the majority of people find 0 percent credit card offers they want to jump ship on their own current provider and take advantage of what they consider is a wonderful offer. However, are these offers in reality such a good deal? Here are a few aspects to consider ahead of switching to that zero % card.

Each and every 0 percent credit cards impose interest charges sooner or later. Make the effort to learn to read the small print and understand how long the actual 0 annual percentage rate lasts and just what your interest rate is going to be as soon as the introductory period ends.

It won’t do much good to change bank cards in the event over an extended period of time you will in fact be having to pay a more costly APR after the discount offer concludes particularly when that time is for a considerably short timeframe like three months.

What does this 0 percent APR entail? Will the 0% interest rate cover purchases, balance transfer deals or perhaps each of those? In the event the credit card simply covers expenditures then switching the account balance belonging to alternative bank cards to the 0 percent credit card could possibly turn out costing you far more in interest rates in comparison with sticking with the old card.

What about transfer rates? Sometimes the 0 percent on that bank card is made for balance transfers exclusively but, then the provider charges a premium for shifting the account balance on their bank card. So whereas you may not be forking over interest on that balance for a short period of time the transfer charges these companies charge may well be as much as the interest fees you would have paid out had you stayed with the old company.

You’ll need to be certain that the service fees are payed off in time. Lots of 0 pct intro offers may be a good deal until you are tardy on a monthly payment. Once you are past due, you could wind up not simply sacrificing the zero percent interest rate and paying out a huge rate of interest but, could possibly be liable for a substantial premium on top of everything else as well.

Whereas 0 percent credit cards promotions can be a wonderful deal for a few, they aren’t for everybody. Take your time to learn as well as fully understand all stipulations before you take a credit card company up on one of these offers or you just might find that the excellent deal has turned into a bit of a dirty trick featuring you as the dupe.

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Most people advocate the case of credit cards, quoting the benefits and convenience that arises from them. However, there is another group/line-of-thought that strongly opposes credit cards. The reason being ‘Excessive Credit Card Debt’, which is one of the most serious problems faced by the credit card holders and credit card industry. However, you can’t pull the shutters on the credit card industry just because of a few irresponsible people (or even if it’s more than few). That is not a solution for beating excessive credit card debt. Moreover, you can’t overlook the benefits associated with the credit cards.
The issue of excessive credit card debt can be looked at from 2 angles. First is addressing of the excessive credit card debt problem at the industry level and second is the addressing of the excessive credit card debt problem at the individual’s level i.e. at the credit card holder level. The first method involves increasing awareness of the excessive credit card debt problem to the masses. This is more or less being done currently too. However, there should also be an effort to tackle this problem of excessive credit card debt at an even deeper level. This means trying to devise a mechanism to nip the problem (of excessive credit card debt) in the bud. This mechanism should actually be a part of the overall system. A lot of thought needs to go into devising such a mechanism. Case studies should be taken up, statistics gathered and a proper forum formed (with representatives from the credit card holders and from the credit card suppliers). As of now, the credit card suppliers just seem to be engaged in coming out with new products and getting customers enrolled to those products. There is little attention paid towards addressing the problem of excessive credit card debt in the real sense. Something like attending mandatory seminars on the root causes of excessive credit card debt could be made part of the credit card application process. Another way of dealing with the problem of excessive credit card debt could be: developing a system for calculation of applicable credit card limit at the individual level i.e. no standard/product-based credit limits. Then there could be mechanisms for proactively warning the users about excessive credit card debt (based on their credit card usage) or even imposition of early restrictions on noticing the first signs that lead to excessive credit card debt At the individual’s level, the treatment of the problem of excessive credit card debt would include following of best practices (on credit card usage and avoidance of excessive credit card debt) by the individuals themselves. A checklist or a set of questions could be provided to individuals for recognising the first signs of excessive credit card debt.
So, the problem of excessive credit card debt can surely be dealt with by putting together some serious thinking at a broader level together with discipline at the individual’s level.

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Deciding on a card that suits your requirements is considered a wise decision. There are different types of credit card that exist today. Some are better for individual users while others are geared towards small businesses. Let us find out what types of credit cards are there? And what different features they offer?

1. Business Credit Cards

As the name suggests a business credit card targets small business. This helps an individual to keep business and personal spending separate. The business credit card offer what an individual’s credit card can not. The business credit card may offer some incentives, economy and rewards to the businesses which possibly will facilitate the business beyond what simple cash could achieve. Money management is essential for running a business; business credit cards may offer a money management service which could help keep your expenses in check. To get higher credit limit, you could get your employees credit cards for travelling and other things. Through this they may get higher credit limit than they normally would have.

2. Student Credit Card

Many financial institutions or banks offer credit cards to students. Although students may not get the same privileges as a corporate employee or a business gets but it still works for a student. This card may have some credit limits so to keep the students spending in check. Even then some students spend too much and at the end of the month find themselves in deep trouble when they receive their monthly spending slip which also includes the interest rate. So it is recommended, that student should keep their credit card spending in strict check.

3. Prepaid Debit Cards

Prepaid debit cards are physically similar to the credit cards and they work somewhat similar but they have various different features and functions. A debit card is unlike credit card in the sense that you can spend only a limited amount of money. One can get a debit card from the bank in which he already has an account. Getting a debit card is relatively easier than a credit card. The spending through debit cards is dependent upon the money you have in your debit card issuing bank account. This card is recommended for those people who are not ready to take up the responsibilities that come along with a credit card, they are bad money mangers and as soon as they get a credit card they find themselves in a pile of debt.

4. Credit Cards for Bad Credit

To get a credit card, you must show the bank you credit history. But it is possible even with bad credit to get a credit card. The difference may be that you will have to pay a lot more interest and will get a limited credit. Once you have established you credit line history, you may get an opportunity to acquire a credit card.

5. Cash Back Credit Cards

Nowadays many bank offer cash back incentives to the customers for using their credit cards. Depending on how much balance you have and how many times you use their credit card, you can earn cash back for your purchases.

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