Finding the Right Travel Nursing Placement Agency

Travel nursing is becoming one of our nation’s fastest growing professions, and it’s no surprise. If you love seeing new places and enjoy exciting new experiences that evoke the feeling of taking an extended vacation, then the career of a traveling nurse might be just what the doctor ordered! Travel nursing enables many people to stay on vacation for two to six months in free luxury accommodations while earning high hourly wages at the same time.

Yet despite all these advantages, many nurses describe to me that they’ve shied away from the traveling profession. Why? Because bad experiences with placement agencies have left them with nothing but a negative impression. They’ve been underpaid or lacked benefits, and I can’t tell you how many nurses have complained to me about inadequate housing or recruiters who were unkind, uncaring, and just plain unavailable. The sad result is that nurses end up jumping from one agency to the next, always in search of the perfect package that’s never there.

In this light, choosing the right staffing agency requires a nurse to consider everything that is offered. Some nurses emphasize pay as their top priority. Others require an excellent benefits package. Many travel RNs are location-specific and want to experience the lifestyle in the country’s hot spots. Career flexibility is often a pivotal factor, along with customer service. The bottom line is, your agency choice depends largely upon one of the four following criteria.

SALARY

No question about it, there are some agencies that offer more money than others. So the first thing to remember is that agencies may base salaries upon things like location availability, need-to-fill assignments, and cost of living.

Some agencies must offer noticeably higher rates if they expect to fill certain assignments where nurse-to-patient ratios are very low, or where a facility has extreme patient needs. If you’re a nurse who is attracted by very high dollars, be alert for a potentially desperate situation you might be entering, and the workload it could bring. You may make more money, but you’ll earn every dollar and more.

Location also factors into salary. The California bay area and many larger east coast cities definitely offer more lucrative pay rates. It’s also much more expensive to live in those places, so recognize the relationship that exists between salary dollars and cost of living. I’ve seen nurses return from Hawaii saying they had a great vacation and made a lot of friends–but their purses were lighter, not heavier from the experience. You might get less money in an exotic location and come back with more money from a not-so-exotic location. My point is, your criteria will determine your priorities.

BENEFITS

What some companies may lack in salary, they make up for with benefits. Many agencies offer benefits programs that revolve around monetary bonuses or discounted luxury housing; and I have even observed a trend with several newer companies that offer entirely free housing to all their nurses. Take note, however, that those agencies may not ante up the really high salaries. It’s a trade-off, so they compensate you with benefits to save you daily, monthly, and annual expenses. Every nurse should be aware of what benefits they need the most, and then ask their recruiters to assist in developing a package that is tailored to their individual needs.

CUSTOMER SERVICE

To many traveling nurses, customer service and aid are the most important attributes a placement agency possesses. If you called ten agencies and only talked with one live recruiter, it’s probably best to narrow it down to the agency where individual placement specialists were easily available. After all, if you’re ready to proceed with a new assignment you’ll want an agency that can make it happen fast and has recruiters available who already understand your criteria. In fact, your criteria may change from one assignment to another, so customer service is paramount. Determine what you want and then find out which agencies can make it happen.

FEATURED LOCATIONS AND HOT SPOTS

While for some nurses, salary, benefits, and career flexibility might be the number-one interest, many others just want the obvious–to travel and see the world. If you’re an adventurer who cares more about the travel experience than the money, then you’ll need an agency that can offer you the locations you want.

Not every agency can send you just anywhere. Figure out where you want to go, and then call around to discover who can send you there.

A travel nursing career is absolutely one of the best, most rewarding choices any nurse can make, but it’s important to select a company who will partner with you every step of the way. Before you jump in, do your homework and research all the best placement agencies. Finding the agency that fits your unique wants and needs will drastically increase your chances of success and happiness in your career.

A Resource Buying Guide For Internet Marketers

The “make money online” crowd is probably the most actively targeted niche market on the internet. Which is quite ironic when you think about it; “The hunters become the hunted.” And it’s not surprising we are so serviced with offers continually, the truth is we are, on the whole, information junkies. We are suckers for a good ebook, report, or video.

The problem is that an over supply of internet marketing tools (even good ones) can leave you feeling overwhelmed, unproductive (too busy reading about internet marketing to actually DO any), and flat broke!

So how do we filter the offers we are bombarded with, so that we invest sanely in our education and resources?  Let me offer this simple “buying guide” to help.

When you boil it all down there are basically 4 different kinds of products on the market, and you have to be able to recognize them so you don’t waste your time and money:

1) Basic training guides & tools. Everyone needs some of these, but you don’t need to be buying 10 versions of the exact same information.

2) Advanced techniques. These are the “Shazaam!” products.  The ones with truly unique and creative ideas. If I can identify which ones these are, I’ll buy them all day long. If I can get ONE really good, repeatable idea, it is money in the bank.  The caveat, though, is you’ve got to actually implement them – otherwise you’re just wasting your money, and spinning your wheels.

3) Tools that make life easier.  These are OK if you’ve got disposable money to spend on them, but if you’ve got a limited budget (like most marketers that are still getting going) you’re probably better off spending it where it can be best leveraged for the most effectiveness.

Case in point: At the time that I’m writing this article I’ve been getting emails all week — I’ve had at least 15 just today – promoting a particular hot product.  The free teaser report is great — it includes a couple of really exciting ideas (see point 2).  However, when I looked at what is actually being offered in the main package – 8 software programs that collate information in various forms from around the internet — they’re all really cool tools, but they are nothing that you can’t already do yourself for free. Cool, but not necessary. Convenient, but not essential.

4) Snake oil. These are the products that are thrown together to make sales to newbies, but they do not work. They are bad advice. You’ll discover that usually the author hasn’t had any success with the method he’s teaching at all, but he can make a few bucks wasting other people’s time with it.

So, when you’re considering buying resources to help you build your online business, read the sales copy discerningly.  Honestly evaluate the product and classify it in one of the above 4 categories.  Then it’s a simple decision to make the appropriate response:

Category 1:  Buy it if you don’t already have a product covering the same topic, or if you are reasonably convinced that your understanding is going to be increased sufficiently to justify the investment.

Category 2:  Buy it, and DO something with it! Don’t procrastinate — take action.  Winners are taking imperfection actions while others are still formulating their “perfect” plans.

Category 3:  Buy it only if you have surplus cash, and don’t mind blowing some on a luxury — because that’s what it is.  Ask yourself, “Could I leverage the money I’m about to spend on this to better effect in my business?”

Category 4:  Click that little “x” button at the top of the browser window, and be proud of yourself that you’ve developed the wisdom and experience to stop wasting time with that kind of rubbish.  If you already bought it before you figured out that its “snake oil”, ask for a refund and chalk it up to experience.

Buying is far more an emotional decision for us than we “savvy entrepreneurs” would care to admit. Anything we can do to take pause and inject some thought into the process will save us time and money. This buying guide offers a place to start.

Discount Car Rental Deals – Tips For Finding The Best Rates Online

The start of the season has already been an excellent start for any search regarding discount car rental deals. As it would be simple to end up being stressed by the whole set of offer within the web-based business, follow this advice intended for simpler look up amongst providers.

For starters, you have to be aware of that you can find a couple of types of providers which are supplying discount car hire deals. In order to save you valuable time, it’s not a secret to expert renters the fact that major worldwide businesses cost more whereas broker agents that team up with them are certainly more low-priced and simpler to acquire large bargains from suppliers.

Therefore the broker agents have the ability to offer the equivalent vehicle class at a lower price. Focus on broker agents in search for the purpose of best offers. Next, there are particular nations which are normally less costly than others. Greece, Cyprus, Slovenia, Malta, Spain, Croatia, Serbia, Bosnia and Herzegovina, Hungary, Italy, Germany, Austria, Switzerland as well as Turkey are among the most cost-effective rental car marketplaces throughout Europe.

At the same time Scandinavian regions tend to be famous for much higher starting fees in European union in default in comparison with previously discussed nations Renting a car in Norway, Sweden, Finland or Iceland will never be as cheep as renting a vehicle in Greece. Arranging beforehand is by no means too early.The second the holiday, business travel schedules are identified to you, reserve a vehicle straight away.

Using this method you will enjoy a couple of critical goals: find discount car rental deals effortlessly as last-minute booking and even you will have much more choices to select from in terms of vehicle class diversity.

Finest discount car rental deals in this year are incredibly excellent valued furthermore in Middle East locations together with several European popular area favored by British and Russian as well as German travelers. In order to find out more which places tend to be this year car rental deals supreme destinations check out car rental deals web page and check the rates.

In addition, iPhone and android phone owners can download an application developed to help you find the best car rental deals online. By having an application on your phone you have ability to check out the prices just when you need to without using computer and having an internet connection.

Fast Cash Payday Loan – A Boon Or Bane?

What Are Fast Cash Payday Loans?

Fast cash payday loans are short-term cash advances, which are very useful to tide over situations of emergency cash requirements, faced before payday. Such loans usually involve less paperwork and take only a day for approval. These loans are generally made for amounts less than $1000 and will usually have a fee of $15 to $30 per $100. In most cases, all that is needed to qualify for such faxless payday loans are a checking account and a proof of employment. Cash is usually electronically deposited into the lender’s checking account within 24 hours of approval. This helps in quick management of financial emergencies and it is this ease of operation that has led to the huge popularity of fast cash payday loans.

Pros And Cons Of Fast Cash Payday Loans

One of the most important reasons leading to the phenomenal success of a payday loan has been the availability of cash at such short notice. One is faced with a genuine emergency like an unforeseen medical bill, unexpected travel plans and so on in several situations. In such circumstances, fast cash payday loans are a real boon as it is possible to meet such expenses with the cash advance received promptly. Other advantages of such faxless payday loans are the

  • Ease of operation with no credit checks involved.
  • Easy to apply either online, in person or even through telephone.
  • Assured security as minimal financial details are disclosed,
  • And availability of cash within a day.
  • Although the availability of ready money at your fingertips may seem like a dream come true, there are certain disadvantages or drawbacks to such short-term cash advances. The main drawback associated with fast cash payday loans is the phenomenally high interest rates or fees associated with these loans. It is always wiser to repay your faxless payday loan by the next payday or else the interest could pile up and accumulate into a prohibitive amount. The APR (annual percentage rate) on a fast cash payday loan is liable to become very high if the loan is not repaid soon. Hence, it is always wiser to pay back these loans by the next payday. After all, the main intention of such loans is to tide over emergencies, quick money for financial crises.

    Ultimately, a fast cash payday loan can be seen as a lifesaver to deal with emergency cash requirements.

    Windscreen Essentials

    A windscreen’s or a windshield’s main function is to serve as a wind and debris cover for people inside and sometimes even supports the vehicle’s frame. Manufacturers configure the screens aerodynamically to not affect the vehicle’s performance. Some even have special substances integrated into them to protect the eyes of the passengers from UV rays. Without windshields, a driver can have difficulty controlling the vehicle. Here some things you need to know in taking care of your windscreens.

    Causes of Damage

    There are different reasons for your vehicle’s windshield to crack. Here are some of the most common ones:

    – Direct Collision: This is the number one cause of shield cracks in road travel. There are small particles and debris that may be invisible to the eye due to your speed in highways. These particles can be gravel, tiny rocks and stones. A car in front of you can propel a small stone strong enough the chip the windscreen glass. The cracks leave room for moisture to accumulate and spread the cracks to the whole windshield gradually.

    – Structural Flaw: This reason comes with the vehicle’s old age. When manufacturers make windshields, they unconsciously create weak points at the glass edges. This is because the particles at the edge have no stable gripping. Additionally, builders designed the middle part of the glass to stretch and absorb shock while the edges endure the heavy load.

    – Cold Weather: The windscreen reacts to temperature whether it is hot or cold. The difference between the outside and inside temperature can cause distortions to the class that lead to small cracks.

    – Hail Storm: Although these events are rare. A windshield suffering damage from a hailstorm renders it to be irreparable.

    The small fissures that these factors can cause are unnoticeable. It can make the fracture spread, however, if unaddressed, causing danger to the passengers.

    Dangers of Cracks

    The most apparent drawback of having cracked windscreens is reduced visibility. One cannot drive without proper vision thus this proves very dangerous to anyone riding the vehicle. Additionally, if the damage becomes significant, the car’s structure might fail, causing the front of the vehicle to cave in unsuspecting passengers. It can also cause the airbags not to release properly, turning simple injuries to fatal ones. windscreen repair is important to continue using the vehicle.

    Repairing the Dent

    You can buy windscreen repair kits that you can actually use to repair the damage yourself. Bear in mind that these kits are good only for one-time use and may not be applicable to older cracks so repair the dents as soon as you notice them. Be mindful that these kits provide repair for inch long fractures, not the ones that cover the windshield already. Clean the screen before you try to apply the repair kit. Using it on a surface full of dirt and debris can make the resin less effective. Inspect the repair when you are done to make sure you did it correctly.

    Installing a New One

    There are times when windscreen repair are no longer possible. You can purchase quality windshield glasses from certain dealers but be sure not to do the installation by yourself.

    Interrelated Tip About Commercial Loan Broker- Commercial Loans

    Finding the right commercial loan for your business is kind of like finding the right pair of black pants to wear. How do you know what your options are? How do you differentiate between your options? How do you know that may also fit you best?

    You see, we should be very thankful that we are born in this modern generation because of the existence of the Internet. With the Internet, every information (whether about Commercial Loans or any other such as commercial lender, government business loans, sba commercial real estate loans or even commercial business loan) can be found with ease on the Internet, with great articles like this.

    A worse scenario would be to have your rate increase during process. Rate locks are rare in the commercial mortgage industry hence it is possible for the funding bank to call you with the bad news that your rate will be higher. In reality, as of this writing 5/8/8, it’s not that uncommon at all, as banks are constantly rethinking what they can and what they want to lend on – due to the credit crisis. And many will have the attitude of, take it or leave it. More to the point though if the margin and index are not clearly known the lender could mention any margin or index when challenge to “cover” his story.

    For the first time in several years, nonetheless , we are generally seeing widespread refunds in both residential and commercial property values throughout much of the United States, with some areas of the country exhibiting more volatility than others. A severe recession will result in decreasing revenue for many businesses over an extended period of time, and it is very difficult for either lenders or borrowers to project when this downward trend will reverse.

    INTERLUDE– Are you finding this article related to Commercial Loans so far helpful? I hope so because that’s the purpose of this article – to get you better educated on Commercial Loans and other related hard money lender, jackson real estate, sba commercial loan servicing center or commercial real estate loan information.

    The financial capacity of the corporate requesting the commercial loan is properly evaluated therefore as to choose what plans are more appropriate for it. The financial plans are offered according to the conditions and financial status of the corporate. After thorough assessment the financial institution determines whether the commercial financing is granted or not.

    Investors will should have a down payment to invest in property. At a minimum it is at least twenty percent plus adequate reserves, closing costs, title, and lender charges. Lenders do wan to finance you but feel much better when you share the risk because well as it demonstrates you have confidence in the investment.

    Many folks seeking online for articles related to Commercial Loans also sought for articles about commercial loan application, commercial mortgages, watertown savings bank, and even small commercial real estate loan.

    If you are looking for a commercial loan, you’ll consider the name Fuss Free Finance. Their qualified approach to handling your loan will leave you hysteria-free and relaxed.

    Internet Marketing Tip – Do You Grade Your Work?

    When you were in school, your teacher graded every paper you did. Sometimes you got an A, sometimes your might have failed. Your internet content should be subjected to the same scrutiny, if you want success. Only by giving your content an accurate test and grade, can you determine your next steps. This is one of the basic steps you must learn to succeed.

    Not all content and sales pages are created equal. Sometimes it takes only minor changes to give your site dramatic changes in performance. If you’re not testing, you’ll never know the success or failure of your efforts. This is one area most beginning internet marketers fail to implement, and may never know the reason for their failure.

    One of the first things you must monitor and test is traffic to your site. You need to know if your efforts in creating backlinks, and spreading content around the internet is working. One of the best tools for accomplishing this task is Google Analytics. You will need a Google account to setup for Analytics. The instructions on Google’s site are very simple, and you should be able to easily add the code to your website.

    If you are using a blog, you should be able to install a simple plug-in to activate Google Analytics, and just add your unique account code for this test. With Google Analytics installed, you will be able to get a daily report of changes in traffic, explore where your traffic comes from, and even see what keywords were used while searching. This information is invaluable. When you learn you are getting traffic on a specific phrase, you can optimize for it, and draw in even more traffic.

    Google analytics will also allow you to track conversions or actions. By setting up properly you can test if your visitors are following the path you intended, and taking the actions you desire. This makes it very easy to adjust your offers, and then to analyze if the changes are increasing your conversion rates or not.

    On free content sites you may not be able to use Analytics. A good example would be EzineArticles. In this case you need to rely on the articles views reported by EzineArticles, and to monitor incoming traffic to your primary site. You’ll be able to see the traffic being generated from EzineArticles and evaluate your effectiveness. You can even drill down and see specifically which articles are sending the traffic to your primary site.

    This level of feedback from your traffic generating sites can be very beneficial. You can then test by changing titles, and changing your resource box to see exactly what contributes to higher traffic to your offers.

    As you can see, your website, blogs and content all need to be graded just as thoroughly as your teachers did in school. Only by measuring your results can you make adjustments, keep the winners, and quit working on the losers. This internet marketing tip can be the difference between increasing your income every month, or watching your profit wither away. Start testing today, and soon you’ll be a statistics junkie, when you see the power of knowing your real results.

    Life After Death

    Following my accident when I was severely burnt, my last memory was being injected morphine at Staincliffe Hospital, Dewsbury, the place I was born and nearly died; following this I was rushed to Pinderfields Hospital at Wakefield where I was to spend the most painful 13 weeks of my life.

    My next memory was awakening and finding me stood in a darkened room and in the far corner was a bed, to which all sorts of electronic equipment were attached beeping away and in the bed seemed to be a person but I just wanted to get away from the place.

    Strangely all the pain I had previously suffered was gone like one big nightmare, I remember in my disorientated state somehow leaving the room, into a long deserted corridor, illuminated sparsely with a few night lights.

    As I approached the end of the corridor a nurse came out of a nearby staff room, laughing merrily at some joke her and the rest of the staff must have been sharing, as she turned and walked towards me I just froze, however, her eyes showed no acknowledgement of my physical presence as she passed by me.

    I called out to her when she was about 15 feet past me but she showed no signs of either seeing me or hearing me, I thought this was a little weird by now, but my instincts told me to find an outside door and get away from this strange place.

    After a while travelling through the maze of corridors I found a locked exit, upon trying the door to my amazement I found my hand just passed right through it and to my utter bewilderment I found I could walk right through it, I could feel no warmth or cold, I seemed to myself what I can only describe as a physical point in space that could see and hear but could not interact.

    With further astonishment I now found myself perhaps 150 foot up in the air and heading through the night, below I could see the tops of the street lamps and a few cars wondering around, I distinctly remember flying over a railway viaduct and towards the city of Wakefield.

    The neon sign over the nightclub called Rooftop Gardens drew me like a magnet being familiar with the place during my many nights out with my friends The Gangster and The Savage One, I must of thought in retrospect that a familiar place would relieve me of all this craziness but I was flying for Gods sake.

    I came down to land near the entrance to the club in front of two of the bouncers I remembered from yesteryear I had on many occasions in the past greeted these two individuals however on this occasion they just continued their small talk oblivious to my sudden appearance from the night sky.

    I paused to think and reached out with my hand to touch a nearby wall that was adjacent to the clubs entrance but my hand appeared to have no physical substance and just passed into the fabric of the wall.

    It was now that the awful truth finally dawned on me… The people unable to see or hear me, The wall, The doors to the hospital, just suppose they were perfectly normal? Just suppose that it was me who had changed? What if for example I had somehow lost my ‘hardness’, my ability to grasp things, even, to make contact with the world – even to be seen?

    I mean what is the point in going anywhere if as the final shreds of my rational mind pointed out if you cannot be seen, and what was that mound in that bed in the little hospital room I had left could that have been my physical body?

    I didn’t like this line of thought a human being is not separated from his body unless he is dead, then what state was I in now.

    It can go through doors without opening them, it can fly like a bird, it does not feel cold or warmth and remarkable these qualities are, they are no good if one cannot be seen. I decided at this point to go back to Pinderfields and see if I could reacquaint myself with my body, surely pain is better than this.

    No sooner had this thought occurred to me I found myself moving at incredible speed through the night back to the doors of Pinderfields, it seems in this strange state you travel by thought alone, handy this may be but the novelty soon wears off rapidly.

    Now Pinderfields is a big hospital and in my rush to get out of there I had forgotten just where I had left my body (or indeed what was left of it by now)

    I just didn’t have a clue which room it was in. I rationalised that it must be somewhere in the burns unit but it was no use asking the doctors or nurses because they couldn’t see me or hear me.

    After an extensive search I managed to find the burns unit and by wondering from room to room I finally found the room I had left earlier and there I was lying unconscious, wired up to an whole variety of strange gadgets.

    At this point out of pure desperation for something to do, I decided to recite the lord’s prayer something I had learnt many years ago at school.

    The very next moment the absolute impossible happened; a tiny pinprick of light at the side of the bed began to grow brighter and brighter, at first not noticing the pin prick of light I thought it was a tiny night light that was the rooms only illumination that was getting brighter.

    But then I saw it was coming from beside the white bedside table at the head of the bed, it continued to brighten as I watched, it brightened to such an extent that had it been any ordinary light I would most certainly of been blinded.

    The next moment there flooded directly into my mind the words “Stand Up… you are now in the presence of the Son of God”, whereupon out of the light stepped what I could only describe as the most magnificent being I have ever known.

    Thankful at last for a little company in this strange situation I joked “That’s it! Just like that… I am with the Son of God… Isn’t there a reception area or something before we meet?”

    I felt a presence of Power and pure love that was older than time but yet more modern than anyone I have ever met.

    In the first stage of my experience, what I can only refer to as the earthbound state I had lost three of my senses; smell, taste and touch, however in this further stage in the light, time disappeared completely, a bit like in a dream and I was aware of all my thoughts and actions in my life up to the present day as on big whole.

    Every moment in my life was recurring before me at one and the same instant as part of some enormous four dimensional sight and sound mural.

    I guessed this was my life review.

    But emanating from the being projected pure love, up to that point in my life I had come across much laid back always blaming anyone and everyone for the results of my actions

    I also saw from a further dimension an observation of my interactions with others from the other persons point.. I also saw parts of the future which was hazy however I distinctly remember being told that a girl I had met but would never marry had an important role in the creation of my son who was very special. I saw all of my educational achievements so far were purely superfluous but it was the way I treated others that was important and I could see the consequence of my lack of interactions with my fellow students at York University (which I had luckily just graduated a month before).

    I could see how the other students saw me as weird and very anti social and they tried to avoid me where possible so that they could avoid the negative effect I had on them hence leading to a deeper feeling of depression thus increasing my isolation.

    An endless viscous circle that had dominated my life.

    I even could see the hurt on my best friend – The Gangsters emotions when he pulled a bird called Cherelle at Rooftop Gardens, but, I had done my best to split them up by pouring a pint of lager on her head and being very rude.

    The tapestry of life was in front of me and I could see how my decisions now would effect the future all of my ambitions of being wealthy and having many material possessions was regarded by the being of light with has much distaste as was my lack of enthusiasm for interacting with
    my fellow men.

    I could see how my life would change and where I had once sought money and possessions I now treasured simply making other peoples lives more pleasurable at the expense of my own wellbeing.

    The being of light then turned to me and said via thought dynamics “Michael, What have you done with your life so far?” I replied using my mind “Why didn’t someone tell me this was what life is about?” the being replied “Somebody did nearly 2000 years ago in your linear time – me!”

    I suddenly found myself on the move again, this time we didn’t bother about doors it was straight up through the hospital roof, then we flew at incredible speeds across the surface of the earth however there was no wind to slow us and just a few moments later I found myself approaching a city beside a huge expanse of water.

    In the city all the streets and offices were unbelievably crowded, and I could see people passing through other people like they wasn’t there.

    We walked into a factory and I saw assembly line workers who were putting together lawnmowers enjoying a coffee break while behind them a woman was pleading for a drag of their cigarette as through she wanted it more than anything in the world.

    When one of the workers clearly blind and deaf to the women behind him actually took a cigarette out of his packet and began to smoke it, the woman repeatedly snatched at it but, it was as if she was clawing at thin air.

    I came to the conclusion that those people must be ghosts, even though they were dead, they remained chained to the material world by the very things they had deemed most important during their lifetimes their jobs, their cigarette smoking their material possessions.

    Myself and the being of light moved from city to city visiting endless places he had to show to me, in one house I remember a younger man followed an older man from room to room “I am sorry dad!” he kept saying repeatedly “I did not know it would do this to my mum – I just didn’t understand!”

    The older man was carrying a tray filled with tea and toast into a room where a clearly unwell elderly lady was sat up in bed “I AM SORRY” the younger man cried in frustration over and over again but, clearly his agony fell on deaf ears.

    “Why is he so sorry?” I enquired to the being of light, referring to the younger mans pleas “He committed the ultimate selfish act” said the being touching his long beard “suicide” he continued with tears welling in the corner of his eyes “and chained to every consequence of their act of cowardice they are well and truly earthbound” he finished but I knew the answer before I asked.

    My next visit was back to the night club in Wakefield called Rooftop Gardens where I had visited earlier in my disorientated state, but, without the concept of time earlier and later were meaningless it is a bit like telling someone bind from birth what is like to see.

    Inside the nightclub was an impossibly crowded place where I watched ghost alcoholics mingling with living drunks and whenever a drunk lapsed into a drunken stupor a desperately thirsty ghost sprang inside his body so that the two became one.

    The living could be distinguished from the ghosts by a faint cocoon of light around him, however when any living being became inebriated their light cocoon faded, enabling one of the many hovering ghosts to take over their body and literally possess the person.

    S horrific was the scene that the only words in my mind that could describe this was “hell”

    The mingling ghosts with their eyes so set on alcohol desperately clutching at real life beer glasses had blinded themselves to the magnificent being that accompanied me – Indeed the being told me to keep my eyes firmly on him – probably he was aware of my past record.

    In this world of thought far beyond space and time (Thought is a more fundamental principle than the illusion of space or time which pale into mere shadows) it can seemingly be either heaven or hell of your own making.

    Earthbound ghosts destroyed by hatred, lust and destructive thought patterns find that whatever they think however fleetingly or unwittingly became instantly apparent to all those who was around him and more completely than words could of expressed it and much faster than sound waves could of carried it.

    The thought most commonly communicated amongst earthbound spirits was usually selfish thoughts and this by its very act kept the being earthbound, the being it seemed felt only compassion for these unfortunate souls but he knew it was their will not his that kept them there.

    I felt like scrooge in The Christmas Carol having this wise being accompany me back to the hospital for the final time, I wanted to start my life again a fresh when I would care far more about other people and not myself.

    No longer would money and possessions be my supreme objective but I would live my life with a desire to make other people happy – the old Mad Mick was truly dead and the new one ready for a reincarnation.

    We entered the hospital room for the final time and the image of the being and the bed before me faded – the walls that surrounded my little room at Pinderfields became solid again it was early morning and I was informed by a nurse who had come into open the curtains that it was two days since my accident.

    The pain was still there but somewhat dulled by the drugs I had been given, It was to be another thirteen weeks before I was released and I had many more strange experiences in there but nothing that could be compared to the one I have shared with you all.

    After subsequent research into my favourite subject Physics I have found that with the merging of two theories of the universe Quantum Mechanics and General Relativity it appears that the 3 dimensions of space and one dimension of time is in fact an illusion created by the world of thought.

    Spirits who remain earthbound do eventually find that the hatred and envy are the very emotions that keep them there but wouldn’t it be easier to help our fellow human beings while we are alive.

    “Lay not up for yourselves treasures on earth” Jesus…

    Fixing Solutions for Automotive Industry

    Automotive industry demands high strength fasteners and precision components such as nuts, bolts, studs, screws, rivets, tie rods, shims etc. that are applied to various parts and components to hold and connect two or more surfaces or objects together in a structure.

    Automotive industry uses fixing components coming in a huge variety of materials ranging from common steel to aluminum, brass, copper, titanium and plastic to other exotic materials. Choosing the material to manufacture these fixing components is essential due to difference between each material’s strength, corrosion resistance, brittleness, galvanic corrosion properties, and of course cost. Materials are basically selected on considerations of environment, corrosive or thermal extremes, magnetic properties, weight, re usability, stresses, and expected life time.

    Depending on these specifications materials are classified into grades & quality standards to produce specific quality alloy mixtures that are then used to produce the fixing components. In addition to this, materials are further processed through a variety of coating, plating and hardening processes to form different specified grades of the alloy mixtures.

    The various stages to enhance the metal corrosion resistance and appearance increase the cost of production that leads to expensive parts and fixing components. To keep costs within control, it is always advisable to use standardized materials. As specifying the material with specific chemical analysis adds time & cost to the whole process of manufacturing of fixing components. In a common practice, using standard materials only needs heat treating, cold working and coating to manufacture ready to use fixing components.

    Quality is the primary concern for every manufacturing process and hence in order to manufacture high quality fixing tools and apply best industry practices that ensure timely deliverables, companies apply quality control methods such as computerized statistical process control archival documentation and various other approaches.

    Inspection process involves utilizing tri-roll gages, hardness testers and optical comparators to ensure optimum performance. Automated sorting technologies are applied for assurance of contaminant free product for use in automated feeding equipment. Other than this, third party inspection, verification and certifications testify quality process on the go.

    Used in a variety of application areas, replacing fasteners is quite tedious. It is generally best to match them while replacing. Replacing a bolt or screw with a stronger one is always now a good practice as harder bolts tends to be more brittle and may not work for specific applications. In some environments, applying galvanic corrosion methodology may result better.

    Are There Alternatives to Pay Day or Cash Advance Loans?

    Negative government reports, consumer advocate studies, and investigative journalists for newspapers and television, have all taken pay day and cash advance lenders to task for their so-called loan shark activities. These protectors of the common good do have their points, but they offer few alternatives. When folks are in desperate need of cash, when they need the money quickly, there are no viable alternatives. Credit card companies, banks, and other traditional financial institutions are not too interested in loaning $500 to $1,000 to folks in dire need and often with less than stellar credit ratings.

    Banning Pay Day or Cash Advance Loans

    A market exists for lending money to people who need cash fast, and a legal market is the best answer. What would happen if pay day or cash advance lenders were banned? Law enforcement authorities would soon discover that back alley lenders, organized crime lenders, and other loan sharks will have stepped in to fill the void, exposing otherwise law-abiding citizens to the world of crime. And the enforcement wings of these loan sharks do not just break legs when a borrower cannot repay them on time. Whole families could be practically held hostage for a $500 loan.

    Loans Are Interest Rate Heavy

    Indeed, pay day and cash advance loans to carry substantial interest rates, far higher than those from traditional lenders with credit scores and collateral to underwrite the loans. But many of these folks do not have valuable property or acceptable credit histories. The fact is, the alternative to not being able to come up with cast in an expedient manner, could cause the borrower a lot more than just footing a high interest loan for a short period of time.

    Interest Rates Vs. Financial Relief and Peace of Mind

    Lack of cash can mean utility services being interrupted, going without medications or medical treatments, inability to purchase equipment for a business, job, or home necessity,and late payments along with further blemishes on credit reports. The interest rates, while high, are probably a small price to pay for financial relief and peace of mind. Because of the great risks a lender assumes offering these loans, the interest rates may be somewhat justified.

    Improvements Needed

    Perhaps the biggest problem, next to the high interest rates, is the short term requirements regarding repayment. Often, the very next pay check the borrower receives is eaten up by the repayment. One pay period is often not enough for a borrower to regain their financial bearings. They may have to keep extending the loan and that is where the real interest rates start to go into the loan shark realm. Often, a borrower can get so overwhelmed that they soon are making payments only on the interest.

    Last Word on Pay Day or Cash Advance Loans

    Many companies, in the onslaught of borrowers needing pay day or cash advance loans, are starting to change the terms of their loans so that they allow up to three months for repayment. They are responsibly addressing the needs of folks in these recessionary times. Three months is often long enough for people to get back on track financially. Unless someone can come up with a better legal alternative, a market exists for pay day and cash advance loans. That market, of course, should be carefully monitored.