The Toll Men

Blue Skies Careers has amassed a great reputation towards issuing the best quality recruitment services. The company ensure every one of Blue Skies Careers’ clientele can enjoy access to a variety of the most skilled marketing personnel available at just the depression of a button.

The recruitment agents are specialised within lots of distinct sectors including marketing, PR and sales promotion. The company consider the business to be very different when examined against another personnel recruitment companies; they ensure that the recruitment agency regularly enjoy a transparent perception of just what said client is researching for, they are famous for their experience to inform both clients and candidates around their unique requirements. This rises in the fact that the recruitment agents hire talented recruitment consultants who have worked within the advertising market, bringing with them expertise and also experience.

Advertising has become one of the most fashionable job trades to join into after university and also every sort of further qualification. With a market such as marketing it can also be very hard to join instantly unless you are opportune enough to have the proper connections. This could also be the fact why marketing recruiters have become therefore favoured; their guidance could be necessary to join the sector and source out desirable attainable positions. Click here for marketing recruitment from the Blue Skies website.

Blue Skies source the company candidates both offline and also online via their website. The site makes it painless for marketing candidates to get possible vacancies and apply right away on the site. There have been various fundamental elements to the companies practice and these include; Developing a distinct realisation of Blue Skies’ clientele requirements, Supplying detailed reports for all retained assignments, issuing timely info for the rest of the marketing recruitment phase.

The business’ expertise of working along with a number of the worlds very best brands and also agency networks have helped 5 to become an industry leader. BlueSkiesCareers.co.uk recruit by both recognised sector figures and small independent start ups.

Though the Property Index is only a new kid on the block concern, (they were registered only in March of 2007), they were very swift to prove their expertise. They’re a extremely straightforward concern specialised in proposing expert advice to anyone who is meaning to let, sell, rent or buy property across the globe. What they assure you of is to help you discover precisely what you crave quick plus, obviously, straightforwardly.

Real estate is in most areas of the world currently, one of the most fashionable areas being property available in Dubai. It should really be simply to write a list of the tremendous real estate you can purchase in Dubai, one argument for choosing real estate here being the houses and apartments available and the possibility of being able to live amongst this keen and vibrant people.

It is one of the truly trendy areas currently, and with the gorgeous landscape and great climate surrounding you all year long, how could you ever say no… Real estate in Dubai is steeped in history, art and culture, this country has been and still is home to quite a few cultures.

About 25-30 years back there was just a trickle of Britishers looking for real estate in Dubai. Just ask anyone who has emigrated to Dubai and they will tell you the same thing. Well, some would are tagging it a brief fashion and others are tagging it a that’s more or less a compulsion! People keen on repairing here may range from young families looking for an exciting life perspective to older generations who are looking to enjoy themselves and loosen up.

Note that there could well be hindrances when attempting to buy real estate abroad: it stands to reason that there are hundreds of actions to care about whether organizing, sightseeing or signing up. If you only miss but a single minor action that may definitely engender insurmountable hindrances plus, more important, a failed investment.

Naturally, as is to be supposed with this trendy destination, real estate can be expensive in this region and this, of course, is unquestionably owing to the wide spread market pressure. Nonetheless property buyers are pretty much spoilt in an area so richly blessed by golden terrain and setting. It actually has practically all a buyer may possibly itch for, and plenty more.

PropertyIndex.com make it easy to find property in Dubai, whether you are looking for a villa or an apartment, they can help you find the right property.

Connect people’s dominating interests and you will uncover a craze that’s known as a sportsbook betting web property. And what could be more ingenious… Envisage a group of sports addicts cheering to support any local lineup, and frequently antes are fixed accompanying the bluster. Aiming to catch more of the anticipation, on-lookers will commonly seek to estimate who is the likeliest to win in the coming race. Put together, all of this will develop into a charming little race named sportsbook betting web property.

Get in on the best sports betting online web site action on the web!

Ok, so it may seem addicting but, instead, sports wagering is really purely for fun and to connect with your fellow sports fanatics. Here, you can bet a any small quantity of pesos and yet have an amazing time. Below, you’ll find some basic pieces of advice to help everyone get started sports wagering.

To wager, you should go to a sportsbook betting web property, i.e. a place which admits sportsbook betting web property. In the USA, you will find no less than four states where to go for sports wagering in a legitimate manner, but if legality is no concern, you may go for it practically anywhere assuming you find a bookie and if you are legally of age. Among the sports you’ll be able to wager on are professional including, in addition, college basketball plus football, professional hockey, professional hockey, including, in addition, horse and dog racing. You will be able to wager on the complete result of a game or fight, when exactly the opponent will go under, and even whether a given tossed coin in a game or fight comes out either heads or tails.

The betting establishment count on their figures to help you out arrive at a conclusion which lineup you feel is most likely is the likeliest to win. First, you’ll see distribution, which is a specific points advantage given to a the trailing club that is anticipated to take a licking by x number points. Of Course, this is the bookie’s formula of organizing balanced stakes for a sports book. As an example we could choose to risk money on a competitor that is anticipated to take a licking and and yet profit from the wager assuming the club is actually defeated by x number of points.

Why not just check it out and enjoy the recreation simultaneously… Only see to it that you won’t get gripped and deplete your complete retirement pension on a fancy… If you don’t you’re sure to catch yourself lamenting it till the end of your life…

STOP NOW! That’s right, where you are right now, in front of the screen. You can take this opportunity to choose, for the next 3 minutes or so, to be a human ‘being’ instead of a human ‘doing’. Just let yourself ‘be’.

How good are you at noticing when ’stress’ has taken its hold on you? Your mind and body are extremely good at giving you messages to say “It’s all getting too much, something needs to change.” When we ignore those messages, what happens? They get louder, and LOUDER! The messages comes in the guise of headaches, digestive problems, bad temper, aches, pains, depression and anxiety and the list goes on and on.

Close your eyes now, inhale deeply and exhale slowly through parted lips and then just ‘listen’ to your mind and body. This may seem a little odd to you at first, but I promise it is worth it. Just carry on.

• What kind of thoughts are going on in your mind?

• Do you find it possible to just ’still’ your mind and let go of your thoughts, so that you can think of absolutely nothing?

• How does your body feel right now? Spend a good few moments just seeing how your body reacts to you tuning in to it. What are you noticing, seeing, hearing and feeling?

Tune in to your jaw.
Inhale deeply and as you exhale repeat slowly to yourself: ‘It’s OK to relax my jaw now.’

Tune in to your neck and shoulders.
Inhale deeply and as you exhale repeat slowly to yourself: ‘It’s OK to relax my neck and shoulders now.’

Tune in to your back.
Inhale deeply and as you exhale repeat slowly to yourself: ‘It’s OK to relax my back now.’

Now notice your breathing. Put one hand on your chest and the other on your abdomen. Which one is moving the most? Begin to allow the lower hand to move forward as you inhale and backwards as you exhale.

Well done! So now you are getting to be more in tune with your mind and body and have already learnt some simple ways to ‘let go’.

Tools like the simple exercise above are invaluable when it comes to handling stress. Most Stress Management programmes look at ‘combating’ stress. This approach has never appealed to me because it sounds like one big fight. That actually would make me feel more stressed. And there is a much easier way, I can assure you.

Give Up The ‘Fight’!

Instead of fighting stress, clients on my Stress Management programme move into the field of ‘acceptance’. I teach quick and simple techniques that allow you to noticeably release tension in your mind and body in just a few seconds.

This is how it works… clients are encouraged to play with a whole tool box of techniques. They pick out the ones which they feel work best for them so creating a bank of resources to suit any ’stressful’ situation. Whether in the workplace, at home or out and about, they are now equipped with a choice of simple tools which they can use easily and effectively, whenever they feel symptoms of stress. Here’s how one lady describes the process,

“I began to tune in to a lightness in my body, my feelings of overwhelm started to recede, I was able to see what was really important to me and then I could more easily find ways through my problems. I have been practising the technique whenever I feel as though life is getting out of control again. People close to me have noticed how I am more laid back. Most importantly I am no longer suffering with the depression and anxiety which was beginning to really disable me.”

To find out how much stress you are under, take my free online Stress Assessment at www.BerylWhiting.com/stress.htm and then instead of ‘combating’ it, learn how to ‘handle’ it. Your body will thank you for it.
_____________________________________________________________________

NLP Coach and Personal Development Trainer, Beryl Whiting delivers professionally developed management training programmes to individuals and blue-chip organisations. You can contact Beryl via her website http://www.BerylWhiting.com.

Though almost every singles’ dating site allows people to register and create profiles for free, many of the other services offered by the site are limited to the subscribed customers. Some of the sites allow free access to the all services for limited periods; they then extend the services to individuals only with the subscription to the site. However, there are singles’ dating sites that allow absolutely free service to the members.

Americansingles.com is a noted dating service with a huge database that provides free services to the registered members. Another site, date.com, which was launched on Valentine’s Day, 1997, has a clientele that exceeds the two million mark. The site offers a convenient and safe way for singles to meet one another. Udate.com, another major singles’ dating site, offers a funny and safe way to meet other singles around. The site’s free registration allows members to search the database and provides sophisticated search methods.

Datingagency.com, one of the UK’s most preferred online dating sites, offers a free lifetime guest membership. The free services include a free profile, photo, searching, mobile alerts, and star matches. Singles911.com (www.singlesbbs.com) offers 100% free access to the all the services it provides. The site guarantees, unlike many others, that the free service will remain as such in the future. Connectingsingles.com is another singles’ dating site with a 100% free offer. The site gives free access to all the features absolutely free. Singles’ dating sites aimed at specific communities, sects, or regions also offer free services for their members.

A crisis the size of the TAT crisis, is, inevitably, political. It involves thousands of citizens, many decision makers from every walk of life and the very economic and financial fabric of the country.

But, the TAT crisis pales in comparison with other, similar, crises in other countries in the world.

In Israel in 1983, ALL the banks collapsed on ONE October day, for instance!

The biggest crisis of savings and loans institutions (=Stedilnicas) in history happened in the USA in the years 1986-1987.

A Savings and Loans Association (SLA), or a THRIFT, was a strange banking hybrid, very much akin to the Building Societies in Britain. On the one hand, it was a sort of a bank, allowed to take in deposits. On the other hand, it was allowed to land money only to current or prospective homeowners on the basis of a mortgage on their house. It was really a mortgage bank and only that. This limitation on the nature of their asset portfolio, increased the risk associated with their lending. The SLAs could not diversify their portfolio into other kinds of assets and so were exposed to the vicissitudes of the residential real estate markets in their respective regions. Sure enough, when the real estate markets experienced a normal business cycle slump, the SLAs were disproportionately affected. Regional economic shocks (such as down spiralling commodity prices) rocked the value of real estate and the stability of these lending institutions. The coup de grace was delivered through the inordinately volatile interest rates. SLAs had to pay short term depositors high interest - while collecting lower income, in the form of interest payments on their old loans. This negative spread between the cost of funds and the assets’ yield - eroded the operating margins of the SLAs. When they discovered that the securities that they were holding were much less valuable than the loans that they were intended to secure - panic ensued.

Hundreds of thousands of depositors crowded to draw their funds. Hundreds of SLAs (out of a total of more than 3,000) were rendered insolvent, unable to pay their depositors. They had to shut up their gates and were put to siege by angry - at times, violent - clients who lost their life savings.

The illiquidity spread like fire. One stedilnica after the other collapsed, leaving in their wake major financial crises, ruined businesses and homeowners, devastated communities. The crisis reached gigantic proportions and threatened the stability of the whole banking system all over the USA.

The Federal Savings and Loans Insurance Corporation (FSLIC) - which insured the deposits in SLAs - could no longer pay the claims and, in effect, went bankrupt. This single event had a chilling effect on the Federal government. True, the government did not guarantee the obligations of the FSLIC. Still, it was perceived to be an arm of the Federal Government and the public shock and outrage were beyond description.

So, the Federal Government was forced to step in. A hasty $300 billion (!) package was put in place to save what could still be saved. This was the first step, a right and proper reflex: the injection of liquidity through a special agency, the FHFB. Everyone involved postponed the mutual accusations, the criminal charges, the resignations and recriminations to a later stage. First and foremost the system had to be stabilized and it could be stabilized only through the restoration of public trust. Public trust could be restored only with money - and with a lot of it. The visible, unambiguous involvement of the top level authorities had a positive, long term effect. The “full faith and credit of the USA” was now behind the SLAs and that was good enough for everyone.

Now, that the storm was over, it was time for more farfetched, structural changes.

First, the supervision of banks and banking operations was taken from the Central Bank, the Federal Reserve. This separation of functions was long overdue: the Central Bank can hardly be expected to supervise a game the rules of which it dictates. There was bound to be a bias in its analysis of its “clients” (not to mention the close personal relationships fostered in years of common work).

Thus, the following complex structure emerged:

The Federal Deposit Insurance Corporation (FDIC) operates the Bank Insurance Fund (BIF) and the Savings Associations Insurance Fund (SAIF), separate insurance funds for banks and SLAs.

Banks pay premiums at one rate to BIF - SLAs pay at another to SAIF.

FDIC is designed to be independent in two ways. Its money comes from premiums and earnings of the two insurance funds, not from Congressional appropriations. Its board of directors has full authority to run the agency. The board has laws to follow, but no boss.

The FDIC regulates banks and SLAs with the aim to avoid insurance claims by depositors. When an institution becomes unsound, the FDIC can lend it money or take it over. If it takes over, it can run it and then sell it as a going concern. It has the authority to close it, pay off the depositors and try to collect the loans. Often the borrowers cannot pay, so the FDIC ends up owning collateral for loans, say real estate and trying to sell it.

The Resolution Trust Corporation (RTC) is a direct result of the SLAs scandal. Prior to 1989, SLAs were insured by the now-defunct FSLIC. The FDIC insured only banks. Congress had to eliminate FSLIC and put the insurance of SLAs under FDIC. Still, a great number of SLAs were regarded as “special risk” cases. They were given over to the jurisdiction of the RTC. It took over SLAs that failed under FSLIC and later - until August 1992. It operated and sold SLAs - or paid depositors and closed the relevant SLAs (just like the FDIC does). The money to finance the RTC came from bonds sold by a new government corporation (Resolution Fund Corporation, RefCorp). RTC ceased to effectively operate last year.

The Office of Thrift Supervision (OTS) was also established in 1989 and it also supervises SLAs.

This used to be the function of the Federal Home Loan Board (FHLB), which was dismantled by Congress in 1989. OTS is a department within the Treasury Department, but law and custom make it practically an independent agency. It supervises around 1500 thrifts with assets of circa 1 trillion Dollars.

The Federal Housing Finance Board (FHFB) regulates and examines SLAs - but with emphasis on their liquidity. It aids their financial stability through lines of credit from twelve regional Federal Home Loan Banks (FHLB). Those banks and the thrifts make up the Federal Home Loan Bank System (FHLBS). Many FHFB regulations are intended to make sure that SLAs lend for housing - the reason that Congress created this bank-like system, separated from the banks.

FHFB gets its funds from the System and is independent of executive branch supervision.

A host of other supervisory and regulatory agencies and treasury departments is involved in the American banking system. But at least one thing was achieved: a clear, streamlined, powerful regulatory hierarchy. SLAs (and banks, for this matter) utilized the confusion generated by the overlapping areas of activity and authority of the numerous previous agencies. No one agency had the full picture. Now, all became obvious: insurance was the FDIC’s job, supervision was the OTS’s and liquidity was the realm of the FHLB. This may, arguably, be the biggest benefit which stemmed from this, otherwise, nerve - wrecking crisis.

The process was not devoid of mistakes. Healthy thrifts were coaxed and cajoled to purchase less sturdy ones. This weakened their balance sheets considerably and the government reneged on its promises to allow them to amortize the goodwill element of the purchase over 40 years. Despite all this, the figures are unequivocal:

Thrifts numbered 2,898 in 1989. Six years later, their number shrank to 1,612 and it is forecast to go down to less than 1,000 at the turn of the millennium. A process of consolidation is evident: SLAs merge, become bigger, stronger, better capitalized. They resemble banks, in this sense.

This last development was so overwhelming, that Congress decided to demand that each SLAs should have a bank charter by the year 1998. Paradoxically, the very success of the SLAs in healing themselves led to their elimination. Why have two kinds of banks if all the operational parameters are equal? Why use two names, two separate insurance and supervision bureaucracies and two sets of regulations to monitor and regulate essentially the same kind of entities? This was absurd. While in the height of the crisis the ratio of the SLAs equity to their assets was less than 1% - it reached almost 10% (!) in 1994 - better even than banks.

This remarkable turnarounds (one of the most stunning in human financial history) was brought about by serendipity as much as by careful planning. Interest rate spreads became highly positive (SLAs were able to collect interest - for, instance, by investing in government securities - which was much higher than the interest that they paid for their sources). The stock exchanges soared and enabled the SLAs to offer new stock at excellent prices. This, together with the persistent pruning of the weeds in the field of good SLAs, with downsizing of the bloated bureaucracies of the SLAs and with the on going consolidation process - led to the revitalization of these banking institutions.

The overall banking markets shrank as other types of financial intermediaries joined the fray - but the health of the SLAs was guaranteed.

As this new found health became more and more evident, the legislative bodies eased up. Congress began to implement the gradual repeal of the draconian Glas-Steagall law (which forbade banks from dealing with a whole range of financial activities). They realized that the more diversified the financial institution is - the healthier it is likely to be. Limiting a bank to certain types of assets or to a certain geographical location was dangerous. Congress began, therefore, to lift these restrictions.

One element need not be neglected in this discourse: the relative absence of political intervention in the handling of the crisis. It was managed by the Federal Reserve - an able, utterly professional, blatantly a-political body. This is the most autonomous central bank in the world. It is never afraid to face the two biggest powers in the world: the President of the USA and Public Opinion - and it does this often. It thrives not on conflict but on the proper, impartial management of the economy.

This, by all means, is the biggest lesson to be learnt.

About The Author

Sam Vaknin is the author of “Malignant Self Love - Narcissism Revisited” and “After the Rain - How the West Lost the East”. He is a columnist in “Central Europe Review”, United Press International (UPI) and ebookweb.org and the editor of mental health and Central East Europe categories in The Open Directory, Suite101 and searcheurope.com. Until recently, he served as the Economic Advisor to the Government of Macedonia.

His web site: http://samvak.tripod.com

The toil of having to drive to a betting hall can be sufficient reason to drop it if it’s not inescapable. On a closer look those traffic jams, the toil, and task list called for cannot really justify the difficulties for the mere chance of gambling at betting hall, nonetheless, provided you’re the kind who is thoroughly fascinated by betting then having a try at card playing using the internet could be the more obvious option.

There’s no reason for anyone to leave your desk for online casino games as it’s easy to access from your bedroom assuming you have a functional laptop or pc plus, of course, a working internet connection. All the same, do note that there are quite a lot of recommendations which you’ll definitely want to train yourself in in regards to online casino games, the more so should you happen to be a tyro regarding this realm. OK, take it easy with those hormones of yours and pore over what follows here. Here is a trimmed down sketch which instructs you what to remember if you’re singling out a reliable online casino games establishment. The topmost thing which every well informed Web plunger definitely must target is an online casino games Web site of the category offering its patrons the best winning odds. See below for several supplementary prompts in regards to determining your online casino gambling Web site.

Always take care to make certain the online casino gambling Web site is actually licensed, e.g. by checking the government authorization as filed on the casino site’s About page. If you fail to ferret out any government authorization on a targeted online casino gambling Web site, don’t even endeavor to gamble with that webpage. After, you’d be well advised to review exhaustively the particular bonuses and promos that the online casino gambling Web site tenders.

Online Gambling 2007: The Best and the Worst

Going further, another major tip is to try your luck at the beginning with small amounts instead of using up too much straight off. First of all, check the functionality of this specific online casino gambling framework rather than daring to risk any serious injury, the more so financial ones… Finally, do mind this particular information in regards to virtual gambling casino. It is, expectably, never to neglect that all kinds of gaming houses is about fun and amusement rather than high winnings. Gambling isn’t a regular employment, rather, it is a diversion which is supposed to make you chipper and your overall life pleasurable.

If you have observed the sketched out tips, set off to give in to the wonders of online casino gambling!

The hassle of going to a offline gaming room makes it recommendable to drop the idea unless one must go there. All those miles of driving, the hassle, and tasks involved aren’t worth the incommodity for the mere opportunity of laying your bets at offline gaming room, but should you be a person who is quite frenetic about gambling casinos then going virtual is likely the way to go.

There’s no call for you to leave your desk to experiment with online poker for the reason that everything is done from your domestic environment assuming you have a functional laptop or pc and a functional Internet connection. But, before indulging yourself, there are quite a few guidelines which you will want to consider regarding online poker, particularly if you are lacking experience. Good, so calm down your exhilaration to mull over the suggestions below. Here’s my mini summary that describes what to attend to if you’re spotting a secure and honest online poker address. The top priority which a streetwise online player like me will certainly check is an online poker Web site of the type that will guarantee top winnings. Here are a number of additional prompts regarding picking your virtual card-playing Web site.

Always be sure to confirm that the virtual card-playing Web site has a verifiable license, such as by perusing the official authorization as corroborated on the casino site. Should it prove impossible to pinpoint any official authorization on that virtual card-playing Web site, don’t ever attempt to wager at that place. Subsequently you should investigate circumspectly the mix of premiums that the virtual card-playing Web site presents.

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Another central piece of advice could be to wager at first in small amounts instead of expending great amounts of money on the spot. Check first the health of this virtual card-playing framework rather than chancing any major hazard– particularly in regards to money… And now, my last most crucial piece of advice regarding online casino gaming. It is bound to be to call to mind always that wagering should be mainly about pleasurable entertainment and less about becoming rich. Gambling in online casinos is not a trade, on the contrary - it’s a hobby which should make you chipper and living enjoyable.

So, after having gone with all these recommendations, go and bow to the charms of virtual card-playing.

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The difficulties of having to drive to a gaming house can be sufficient reason to avoid going there altogether. All those long drives, the difficulties, and chores required seem not worth the hassle only for that prospect of taking your chances at gaming house, on the other hand, if you happen to be the kind of person who is simply frenetic about casino gambling then going virtual is likely the answer for you. You do not need to leave your house to try online poker etc since you will do everything from within your familial household provided you possess a pc plus access to the Internet. But, ^unique there are numerous instructions which you’ll want to recognize concerning online poker etc, the more so if you are still unseasoned regarding this subject. All right restrain all that testosterone of yours and mull over what follows here. Here is my framework that is intended to illuminate what to remember if you are unearthing a decent online poker etc webpage.

The top priority which any smart Internet risker will make certain to check is an online poker etc Web page of the type that will guarantee high winning odds. Be sure that the online poker etc Web page is monitored by a decent auditor so as to assay the quoted games’ pay-out percentages in a monthly manner. This may be extremely productive to ascertain the wampum you are prepared to gamble as a part of your prospective fling will justify the endeavor. Read on for a group of additional guidelines and details concerning picking your online roulette Web page.

Moreover, another important tip is obviously to test the odds for a start in insignificant amounts instead of exhausting big amounts of money on the spot. Check, first of all, the stability of this online roulette system rather than provoking some severe adversity– the more so money loss! The last significant piece of advice concerning online gambling casino. It is, expectably, this: to remind yourself always that online casino betting should merely be about enjoyment rather than making money. Casino gambling is certainly no vocation, but, rather a diversion which ought to make you jolly and your overall life delectable. Finally, after you have kept to all the guidelines outlined above, you’re free to yield to the appeal of online roulette!

Many in the Muslim community are in an uproar over a Muhammad cartoon appearing in newspapers across Europe. One such Muhammad cartoon depicts the Islamic prophet wearing a turban containing a bomb.

If you write for a living, you probably have made judgment calls regarding what you will write and how that information will be conveyed. Definitely, I am of the “free speech” mind, but I must tell you that there are enough fanatics in this world who would seek the death of others in the name of their beliefs. While I enjoy covering information of a religious nature I am loathe to printing or republishing anything that offends someone’s religion, no matter how much I may disagree with it.

Why is that? Because I don’t want to have any part in causing someone’s injury or death because of something I wrote or displayed on one of my sites. The Muhammad cartoons fall within this particular category.

Some have seen an element of truth in the Muhammad cartoon depictions. Interestingly, the leadership of Iran is now promoting a Holocaust cartoon contest as their response to the Muhammad cartoon controversy. Where will all of this stop? I am not sure, but let’s hope and pray that it doesn’t cost additional lives.

Free speech is fine, but when riots and death come out of it, you have to wonder. The Muhammad cartoon controversy will likely linger, but it may eventually point to deeper problems between the secular West and Islam.

Copyright 2006 - For additional information regarding Matt Keegan, The Article Writer, please visit his blog for wit, quips, and freelance writing tips.